Updated for 2026 · For Tamil Nadu residents. Confirm current fees and steps on the official e-Sevai portal.
- Certifies your assets exceed liabilities (financial surety).
- Apply on e-Sevai (Revenue Dept) with your CAN.
- Fee about ₹60; valid 6 months.
- Needs asset proof (property/patta, bank balance) — a field enquiry values it.
- Used for tenders, loans, auctions, and some college admissions.
What a solvency certificate is
A solvency certificate is issued by the Revenue Department and certifies that a person's assets are worth more than their liabilities up to a stated value — in effect, official proof that you can financially back an obligation. Unlike an income certificate (which shows annual income), a solvency certificate is about your net worth / creditworthiness, usually tied to a specific amount you need to demonstrate.
What it's used for
- Government and semi-government tenders and contracts — as proof of surety.
- Bank loans — where the lender wants evidence of assets.
- Auctions — to show you can back your bid.
- Legal matters requiring a surety.
- Admission to some government medical and engineering colleges.
Documents you need
| Purpose | Documents |
|---|---|
| Identity & address | Aadhaar / government photo ID |
| Asset proof | Property documents / patta & chitta, building/land valuation |
| Financial proof | Bank passbook / balance, fixed-deposit details |
| Other | The purpose/amount for which solvency is required |
How to apply — step by step
- Log in to the e-Sevai portal with your CAN.
- Open Revenue Department and select the Solvency Certificate service.
- Enter your details and the amount / purpose, and upload asset and ID/address proof.
- Pay the ₹60 fee and submit; note the application number.
- A Revenue Inspector / VAO does a field enquiry to value your assets, and the Tahsildar issues the certificate.
You can also apply at any e-Sevai centre with the same documents.
Fee, validity and processing
| Item | Detail |
|---|---|
| Fee | About ₹60 |
| Validity | 6 months from issue |
| Processing | After a field enquiry valuing your assets |
Because it's only valid for 6 months, apply close to when you need it — a tender or admission usually wants a recent certificate.
How the enquiry values your assets
Unlike an income certificate, a solvency certificate isn't issued on documents alone — a Revenue Inspector or VAO physically verifies what you own before the Tahsildar signs. They look mainly at immovable property (land and buildings) valued at the government guideline value, plus supporting bank balances and fixed deposits. Liabilities such as existing loans are set against that. The certificate then states a solvency value up to which you're certified sound — so it isn't an open-ended statement of wealth, it's tied to a figure. This is why strong, current asset proof matters: if the enquiry can't substantiate the value you've claimed, the certificate is issued for a lower amount or held up.
How much solvency should you ask for?
Ask for the amount the tender, loan or admission actually requires — no more. A tender document usually states the solvency figure it wants (for example, a percentage of the contract value); a bank will tell you the surety amount. Requesting a value far above what your assets support only slows the enquiry, while requesting too little means the certificate won't satisfy the requirement and you'll have to re-apply. Check the exact figure in the notice or application before you file, and make sure your property and bank proof clearly cover it. Because the certificate is only valid for six months, time your application so it's still current on the submission date.
Common mistakes
- Weak asset proof — the value you claim must be backed by property/bank documents for the enquiry.
- Applying too early — it expires in 6 months.
- Wrong amount — state the solvency value the tender/loan actually requires.
- Name/address mismatches across documents.
Solvency certificate vs income certificate — don't confuse them
These two are requested for very different things, and people often apply for the wrong one. An income certificate states your annual family income and is used for scholarships, fee concessions and reservation-linked benefits — it's about how much you earn. A solvency certificate states that your assets exceed your liabilities up to a value and is used for tenders, loans, auctions and surety — it's about what you own. A tender or bank asking for "proof of solvency" or "net worth" wants the solvency certificate, not an income certificate; a college scholarship asking for "income proof" wants the income certificate. Read the requirement carefully so you apply for the right document the first time — the two have different documents, different fees and different validity, and one won't substitute for the other.
Related Tamil Nadu guides
See the e-Sevai services list, the income certificate, and Patta & Chitta (for the property proof).
Frequently asked questions
What is a solvency certificate?
Proof from the Revenue Department that your assets exceed your liabilities — your financial surety.
How do I apply in TN?
On e-Sevai (Revenue Dept) with your CAN, upload asset + ID proof, pay ₹60, submit; a field enquiry values your assets.
What's the fee and validity?
About ₹60; valid 6 months.
What's it used for?
Tenders, loans, auctions, legal surety and some college admissions.
About ComplyKraft. Built by Dinesh Kumar S in Chennai — B.Sc. Mathematics, M.Sc. IT. Plain-language guides to Tamil Nadu government services.
Disclaimer: Informational guide, updated 2026. e-Sevai fees, documents and validity are set by the Government of Tamil Nadu and can change — confirm at tnesevai.tn.gov.in.