Signed & reviewed by CA Rinky Vishwakarma View LinkedIn profile ICAI No.: 177507
Stock Certificate by CA — ₹1,999, Signed in 1 Working Day
A statement of your stock and book debts on a date, for your bank, the GST portal or an insurer, signed by a practising Chartered Accountant with a UDIN.
Reviewed by CA Rinky Vishwakarma, ICAI 177507 · Last updated 24 September 2026
Quick answer
A stock certificate by a CA is a document signed by a practising Chartered Accountant confirming the quantity and value of a business's stock, and often its debtors and creditors, on a stated date. Banks use it to set drawing power on CC/OD limits, and GST ITC-01 claims above ₹2 lakh require one.
Get Your Stock Certificate
Share your details. Our CA checks your bank or GST format and calls you back.
From ₹1,999 + GST · UDIN included · Reconciled with your books
Ask a CA FirstYou pay only once the CA confirms the scope
Find the Exact Stock Certificate You Need
12 city pages, 7 purpose pages and 8 industry pages, each written for its own situation.
By city
Mumbai
Mumbai's warehouse-and-wholesale trade
Delhi NCR
Delhi's wholesale markets and multi-state NCR businesses
Ahmedabad
Ahmedabad's textile, chemical and pharma units
Surat
Surat's diamond and man-made fabric businesses
Rajkot
Rajkot engineering units and the Morbi ceramic cluster
Ludhiana
Ludhiana's knitwear, bicycle and parts makers
Tiruppur
Tiruppur knitwear exporters and job-work units
Coimbatore
Coimbatore spinning mills and pump makers
Pune
Pune's automotive supply chain
Chennai
Chennai's auto, electronics and import-led businesses
Kolkata
Burrabazar traders, jute mills and Howrah steel units
Hyderabad
Hyderabad's bulk-drug and pharma businesses
By purpose
Bank CC/OD Stock Statement
A stock certificate for a bank CC or OD account is a CA-signed statement of stock, unpaid …
CC Limit Renewal & Enhancement
A stock certificate for CC limit renewal is a CA-signed statement of stock and debtors as …
GST ITC-01 (New Registration)
A stock certificate for GST ITC-01 is a CA or cost accountant's certification of the input…
GST Composition to Regular
A stock certificate for moving from GST composition to the regular scheme is a CA or cost …
Insurance Claim (Stock Loss)
A stock certificate for an insurance claim is a CA-signed statement of the stock a busines…
Bank Stock Audit Preparation
Preparing for a bank stock audit means reconciling stock, debtors and creditors with the b…
Business Sale or Firm Dissolution
A stock certificate for a business sale, partner retirement or firm dissolution is a CA-si…
By industry
Textile & Garment
Textile stock moves through many hands
Pharma & Healthcare
Expiry dates and QC status decide what counts
Auto Components & Engineering
Engineering stock is mostly raw material and WIP
FMCG Distributors
Scheme claims, damages and fast-moving stock
Electronics & Mobile Dealers
Electronics stock loses value with every launch
Jewellers & Gems
Grams, purity and carats before rupees
Steel & Hardware Traders
Tonnes, grades and fast-moving prices
Agri Commodities & Rice Mills
Seasonal stock, warehouses and goods held for others
Stock Certificate Rules at a Glance
4 Kinds of Stock Certificate
Same stock, different purpose. The format, the cut-off date and who can sign change with each one.
Bank Stock Statement Certificate
For CC/OD borrowers. Certifies stock, unpaid creditors and debtors in your bank's format so the bank can set drawing power.
Read moreStock & Book Debts Certificate for Renewal
Stock position and debtor ageing as on the balance sheet date or a recent date, matched with your CMA data.
Read moreGST ITC-01 Stock Certificate
For new registration, leaving composition, or an exempt supply becoming taxable, when the ITC claim on stock is above ₹2 lakh.
Read moreBank Stock Audit
Appointed and paid for by the bank, usually from its own panel. We don't act as your bank's auditor, but we prepare your records so the audit goes smoothly.
Read moreWho Needs a Stock Certificate?
CC / OD borrowers
Monthly or quarterly stock statements for drawing power.
Limit renewal or enhancement
Year-end stock and debtors matched with audited accounts and CMA data.
New GST registrants
ITC-01 on opening stock when the claim is above ₹2 lakh.
Leaving GST composition
Credit on stock and capital goods when moving to the regular scheme.
Insurance claimants
Stock on the date of a fire, flood or theft, rebuilt from the books.
Business sale or dissolution
One agreed stock figure for buyers, sellers and partners.
Check Your Drawing Power in 30 Seconds
Enter figures in ₹ lakh. Margins default to 25% on stock and 40% on debtors; replace them with the margins in your sanction letter.
Your drawing power (₹ lakh)
Formula: (stock − unpaid creditors) × (1 − stock margin) + eligible debtors × (1 − debtor margin). An estimate only; your bank's sanction terms decide the final drawing power.
Documents Required for a Stock Certificate
- ☐ Stock register or Tally stock summary
- ☐ Purchase and sales registers for the period
- ☐ Debtors ageing list
- ☐ List of unpaid creditors for goods
- ☐ Bank's stock statement format
- ☐ Sanction letter (margins and debtor age limit)
- ☐ Stock insurance policy
- ☐ Last audited balance sheet
- ☐ For GST ITC-01: purchase invoices with supplier GSTINs
How to Get a Stock Certificate: 4 Steps
- 1
Share purpose and records
Tell us the purpose and share the bank or GST format and your stock data.
Day 0 · about 10 minutes
- 2
CA reconciles and sends a draft
Stock is tied to the books, ineligible items removed, and a draft shared.
Within 1 working day
- 3
Review the draft, then pay
You check the figures. You pay only once you agree with the scope.
Same day
- 4
Signed certificate with UDIN
Signed PDF on letterhead, sent by email and WhatsApp.
Within 1 working day of complete documents
Sample Stock Certificate Format
A sample layout with the details banks and the GST portal check first, highlighted.
Everything Else Stays Confidential
Values and your business name are blurred here; this is a sample. On your certificate, every figure is visible to you and to your bank or GST officer.
What matters before you submit: stock split by category, unpaid creditors deducted, old debtors excluded, a genuine UDIN, and your bank's own format.
Download the free stock statement format
Ask for Your Bank's FormatStock Certificate Fees
Firm fee and government fee shown on separate lines. No hidden charges.
| Plan | What's covered | CA professional fee | Government fee | Turnaround |
|---|---|---|---|---|
| Standard | One location, one statement date, books up to date | ₹1,999 | Nil | 1 working day |
| Urgent | Same scope as Standard, signed the same day | ₹2,999 | Nil | Same day |
| Monthly retainer | 12 monthly bank stock statements a year | ₹1,499 per statement | Nil | 1 working day each |
All CA fees are exclusive of GST at 18%. Physical stock verification, stock at more than one location, and manual records are quoted in writing before work starts. You pay only after the CA confirms the scope.
What You Get With Every Stock Certificate
- ✓CA-Signed & Stamped CertificateOn firm letterhead, with UDIN
- ✓Stock Reconciled With BooksPurchases, sales and closing stock tallied
- ✓Ineligible Items RemovedUnpaid stock, obsolete stock and over-age debtors excluded
- ✓Your Bank's Own FormatPublic, private and co-operative bank formats, or ITC-01
- ✓Pay-After-Review ModelSee the draft figures before you pay
Verify It Yourself, Before You Submit
Every certificate carries a UDIN generated through ICAI. Your bank can confirm it came from a practising CA, not a document mill.
Why Stock Certificates Get Rejected
| Reason for rejection | What we check first |
|---|---|
| Closing stock doesn't tally with purchases and sales | Stock reconciled with the books before certifying |
| Wrong format for the bank | Your bank's own format and sections used |
| Unpaid creditors not deducted | Paid stock worked out separately |
| Old debtors counted as eligible | Debtor ageing matched to your sanction terms |
| Statement older than three months | Dated to your current statement cut-off |
| Insurance lower than stock value | Shortfall in insurance cover flagged to you |
| Missing or invalid UDIN | Every certificate carries a UDIN, verifiable on udin.icai.org |
The Rules Behind a Stock Certificate
Where each requirement comes from, so you can check it yourself.
| Rule | What it says | Source |
|---|---|---|
| Three-month stock statement rule | Drawing power based on stock statements older than three months is irregular; irregular drawings for 90 days can make a working capital account an NPA. | RBI prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) |
| Limit review | An account whose limit is not reviewed or renewed within 180 days of the due date can be treated as an NPA. | RBI prudential norms (IRACP) |
| ITC-01 certification | ITC-01 details must be certified by a practising CA or cost accountant if the total claim exceeds ₹2 lakh. | Rule 40(1)(d), CGST Rules, 2017 |
| ITC-01 time limit and invoice age | File within 30 days of becoming eligible; no credit on invoices more than one year old. | Rule 40(1)(b) CGST Rules; Section 18(2) CGST Act |
| UDIN on certificates | UDIN is mandatory on all certificates issued by Chartered Accountants from 1 February 2019. | ICAI; udin.icai.org |
Signed by a Practising Chartered Accountant
Not a back office. Every stock figure is reconciled with your books before it carries a signature.
CA Rinky Vishwakarma LinkedIn ICAI No.: 177507
Fellow Chartered Accountant with experience across Big 4, investment banking and independent practice. Checks stock against purchase and sales data, removes ineligible stock and old debtors, and matches your bank's format before signing.
Frequently Asked Questions
Related Pages
By purpose
By industry
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Share your bank format and stock data. We'll confirm the scope and fee before you pay.
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