To,
CA Ravinder Kapoor
Kapoor & Associates, Chartered Accountants
SCO 12, Sector 34-A, Chandigarh
Date: 2 April 2026
Dear Sir/Madam,
I, Harbans Singh, of House No. 88, Sector 40-B, Chandigarh, request you to examine my papers and, if you find them in order, issue a certificate of my net worth as on 1 April 2026. The certificate is needed for my son's study permit application for Canada, as a sponsor's proof of means.
My statement of assets and liabilities as on 1 April 2026
Land and buildings: 12 acres agricultural land, Village Bhagta, in my name, Rs 1,80,00,000 at the collector rate; residential house, Sector 40-B Chandigarh, Rs 1,20,00,000 per valuer's report
Bank balances and fixed deposits: State Bank of India, savings, Rs 4,50,000; Punjab National Bank, fixed deposit, Rs 20,00,000
Investments: Mutual funds Rs 8,00,000; gold 200 grams at market value Rs 14,00,000
Vehicles, business interests and other assets: Tractor and car, Rs 11,00,000 together; partner in Singh Agro Traders, share valued at Rs 15,00,000
Liabilities: Tractor loan from a bank, Rs 2,40,000 outstanding; no other loans
Main sources of income behind these assets: Farming income, rent from a shop in Faridkot, and savings from past employment
Papers handed over for your examination: Jamabandi, registered title deeds, bank statements for 12 months, FD receipts, demat statement, loan statements, income-tax returns for the last three years
I confirm that the statement above is my own, that it is true and complete to the best of my knowledge, and that I have disclosed all my liabilities. I understand that you will certify only what you are able to verify from the papers and the information I give you, that you may ask for more papers, and that any certificate you issue is yours and not mine. I will pay your professional fee as agreed with you.
Yours faithfully,
_________________
Harbans Singh