4.8 Google rating 20 years combined CA experience

RERA Form 3 Certificate for Withdrawal

Fee confirmed upfront 📍 Goregaon West, Mumbai

The CA certificate your bank needs before it releases money from the RERA separate account — filed with the architect's Form 1 and engineer's Form 2.

What it does: certifies project cost incurred and the amount you can withdraw from the separate (70%) account.

Limit: only in proportion to the percentage of completion, less amounts already withdrawn.

CA Rinky Vishwakarma

Signed & reviewed by CA Rinky Vishwakarma View LinkedIn profile ICAI No.: 177507
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Withdrawal Form 1 + 2 + 3 Bank Release UDIN
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UDIN on every certificate · figures matched to your books

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Fee is confirmed before any work starts

withdrawal

How the Withdrawal Limit Works

The separate account can only be drawn down as the project progresses. Form 3 shows the bank how much is eligible right now.

Step 1Total estimated cost of land + construction
Step 2Cost actually incurred so far, from your books
Step 3Proportion of completion (cost incurred ÷ estimated cost)
Step 4Eligible amount, less what you've already withdrawn
IllustrationEstimated cost ₹50 cr, incurred ₹20 cr → 40%. Eligible so far ₹20 cr. Already withdrawn ₹15 cr → ₹5 cr can be withdrawn now.
Related: Withdrawal Calculation — How much you can withdraw.
pick your form

Which RERA Certificate Do You Need?

Tap a form to see who signs it, when it's needed, and what we check.

Who we certify for

Residential Developers
Commercial Project Promoters
Redevelopment Projects
SRA Projects
JV & Landowner Promoters
Plotted Developments
Residential Developers
Commercial Project Promoters
Redevelopment Projects
SRA Projects
JV & Landowner Promoters
Plotted Developments
see before you apply

See Exactly What You'll Receive

A sample Form 3 layout, with the parts that get it accepted by the bank and MahaRERA highlighted.

SVT & Associates Chartered Accountants FORM 3 — CHARTERED ACCOUNTANT'S CERTIFICATE For withdrawal of money from the separate RERA account MahaRERA Regn No.: P518000XXXXX UDIN: 26177507BMXXXX1234 Chartered Accountant · Promoter CHARTERED ACCOUNTANT MEMBERSHIP NO.
UDIN, verifiable on the ICAI portal
MahaRERA registration no.
CA and promoter signature
official CA stamp

Figures Stay Confidential

Project cost, collections and withdrawal amounts are blurred here — this is a sample. Your certificate shows every figure in full.

What matters before it goes to the bank: the correct MahaRERA number, figures that match your books and the architect's completion %, a genuine UDIN, and signatures from both the CA and the promoter.

Ask a CA First
70%
Collections kept in separate account
30 Sep
Annual Form 5 due date
4.8 ★
Google rating — see reviews
📍 Mumbai
Goregaon West — open map
what is it

What is a RERA CA Certificate?

Under Section 4(2)(l)(D) of the RERA Act, a promoter must keep 70% of money collected from buyers in a separate bank account, and use it only for land and construction cost. A CA certificate proves the money moved out only as the building actually progressed.

each withdrawal + registration

Form 3 — CA Certificate

Certifies project cost incurred and the amount you can withdraw from the separate account.

  • Filed with Form 1 (architect) and Form 2 (engineer)
  • Signed by the CA and the promoter
  • Submitted to the bank at withdrawal; copy uploaded to MahaRERA
once a year

Form 5 — Annual Audit Report

Issued by the promoter's statutory auditor, project by project.

  • Confirms project money was used only for that project
  • Confirms withdrawals matched % of completion
  • Due by 30 September for the previous financial year
who needs this

Who Needs This?

New Project PromotersForm 3 at MahaRERA registration
Ongoing ProjectsForm 3 for every withdrawal cycle
All Registered ProjectsForm 5 every year till completion
Redevelopment & SRARehab cost treatment in Form 3
JV / Multiple PromotersRevenue-share and master account setups
Projects Seeking ExtensionUpdated financials for MahaRERA
before you apply

Documents You'll Need

MahaRERA registration certificate RERA account bank statements (collection, separate, transaction) Form 1 (architect) & Form 2 (engineer) for the period Project cost estimate & land cost papers Construction bills & contractor ledgers Sales register / allottee receipts Previous Form 3 / Form 5, if any
Not sure what applies to your project stage? Share your MahaRERA number on WhatsApp — we'll tell you exactly which documents to send.

Form 3 and Form 5 Need Two Different CAs

MahaRERA requires separate Chartered Accountants for Form 3 and Form 5. If we're your statutory auditor, we issue Form 5 and you need another CA for Form 3 — and the other way round. We'll check this before we start.

Check on WhatsApp
your CA

Signed by a Practising Chartered Accountant

Not a back office. Every project file is reviewed personally before it carries a signature.

CA Rinky Vishwakarma

CA Rinky Vishwakarma LinkedIn ICAI No.: 177507

Partner, SVT & Associates

Fellow Chartered Accountant with Big 4 and investment banking background. Matches every Form 3 figure to your RERA bank statements, cost ledgers and the architect's completion %, so the annual Form 5 audit doesn't throw up a mismatch later.
what you get

Built to Pass the Annual Audit

A Form 3 that doesn't match the books shows up in Form 5. We prepare it so it holds up.

  • ✓
    CA-Signed Certificate in MahaRERA FormatOn firm letterhead, with UDIN
  • ✓
    Withdrawal Limit Worked OutProportion to % completion, less earlier withdrawals
  • ✓
    Cost Checked Against BooksLand cost, construction cost and bills reconciled
  • ✓
    Account-Structure CheckCollection, separate (70%) and transaction (30%) accounts
  • ✓
    Two-CA Rule Checked FirstWe confirm we're allowed to sign before you pay

Verify It Yourself

Every certificate carries a UDIN generated through ICAI. Your bank and MahaRERA can confirm it came from a practising CA.

Search any UDIN at udin.icai.org — it shows our CA's name and registration.
Check your project's uploaded forms on the MahaRERA website.
how it works

Documents In, Certificate Out

1

Share Your MahaRERA Number

Tell us the form you need and the period it covers.

2

CA Checks the Numbers

Bank statements, cost ledgers and Form 1/2 matched.

3

Review the Draft

See the withdrawal figure or audit findings before signing.

4

Signed & Delivered

UDIN-verified certificate, ready for the bank and MahaRERA upload.

Figures don't support the withdrawal you wanted? We tell you the correct eligible amount before signing — not after the bank or the auditor catches it.

Fee depends on project size and the form needed — confirmed in writing before we start.

MahaRERA CA Certificate

One clear quote per project. No surprise add-ons.

  • Form 3 or Form 5 with UDIN
  • Figures reconciled with RERA bank accounts
  • Withdrawal eligibility worked out
  • Direct CA contact on WhatsApp
Quote in writingbefore any work starts
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Why No Flat Price Here?

A 12-unit building and a 400-unit township don't take the same work. We look at your project size, number of withdrawal periods and account setup, then give you one fixed quote.

common situations

Where Promoters Usually Get Stuck

withdrawal

Bank won't release funds

The bank needs Form 1, 2 and 3 together for each withdrawal. We prepare Form 3 so the figures line up with the architect's and engineer's certificates.

redevelopment

Rehab cost treatment

In redevelopment and SRA projects, rehab building cost counts as project cost. We show it correctly so eligible withdrawals aren't understated.

annual audit

Form 5 deadline close

Form 5 is due by 30 September. Late or missing uploads count as a compliance lapse against the promoter. Start early — bank statements take time.

avoid this

Why RERA Certificates Cause Trouble

ProblemWhat We Check First
Withdrawal more than % completion allowsEligible amount worked out from Form 1 % and earlier withdrawals
Land cost paid from the separate account where not allowedNature of each payment checked before it's counted
Form 3 figures don't match Form 5 auditEvery figure tied back to the books and bank statements
Same CA signing Form 3 and Form 5Two-CA rule confirmed before we accept the work
Wrong project name or registration numberMatched exactly to the MahaRERA registration certificate
Missing or invalid UDINUDIN on every certificate, verifiable on udin.icai.org

20+ Years Combined CA Experience · 4.8 Google Rating ★ · ICAI-Registered Practising CAs · Office in Goregaon West, Mumbai

questions

Frequently Asked Questions

Is Form 3 needed for every withdrawal? +
Yes. Each withdrawal from the separate account needs Form 1 from the architect, Form 2 from the engineer and Form 3 from the CA, submitted to the bank.
How much can I withdraw? +
Only an amount in proportion to the percentage of completion of the project, less amounts already withdrawn.
Who signs Form 3? +
The Chartered Accountant and the promoter both sign it.
Can the same CA issue Form 3 and Form 5? +
No. MahaRERA requires Form 3 and Form 5 to be issued by two separate Chartered Accountants. If we are your statutory auditor, we issue Form 5 and another CA issues Form 3, and the other way round.
When is MahaRERA Form 5 due? +
Form 5 must be obtained within 6 months from the end of the financial year, that is, by 30 September, for every registered project.
related

More RERA Help

See all RERA CA certificate pages, or pick a related topic.

📋

Transaction Account (30%)

What the 30% can be used for

Free scope check →
📋

Form 5 for Part Year

First year or completion year

Free scope check →
📋

Form 3 at Registration

New project on MahaRERA

Free scope check →
📄

Withdrawal Calculation

How much you can withdraw

Free scope check →
📋

Form 5 Annual Audit

Yearly project accounts report

Free scope check →
🏙️

Mumbai

Form 3 & Form 5 for Mumbai projects

Free scope check →

Get a RERA Certificate That Holds Up at Audit

Share your MahaRERA number and the form you need — we'll confirm scope and fee before we start.

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visit or contact us

Based in Goregaon West, Mumbai

We work with promoters across Maharashtra. Walk in, call, or WhatsApp — whichever's easiest.

📍 Topiwala Centre, Goregaon West, Mumbai – 400104
⭐ 4.8 on Google — read reviews
📱 +91 99878 83492
✉️ admin@svtandassociates.com
🕐 Mon–Sat: 9:00 AM – 7:00 PM
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