Introduction

In visa, banking, and institutional submissions, Net Worth Certificates must be fast, consistent, and defensible. Traditional Word/Excel workflows force repeated data entry, inconsistent annexures, scattered proofs, and time-consuming review cycles that invite version errors and compliance gaps.

SMART CERTIFY transforms this into a single, structured workflow: capture once → compute Net Worth (INR + FX) → generate professional documents (Certificate with annexures, Engagement Letter, Representation Letter) → hand reviewers a portable case they can re-create in one click. The tool runs locally; client data remains private.

## Core Features & Capabilities

This tool is designed from the ground up for day-to-day CA practice.

✅ Unified Client & Case Setup

· One-time capture of applicant context (purpose, destination, certificate date, currency/rate).

· Assets & liabilities with owner, valuation method, and basis of verification per line item.

✅ Clean, Guided Data Entry

· Structured tabs: Immovable (A); Movable—B1 Deposits, B2 Gold, B3 Vehicles (WDV), B4 Other Assets; Loans (C).

· Date-safe inputs and live totals reduce manual formula and typing errors.

✅ Automatic & Transparent Computation

· Net Worth in INR + foreign currency, with explicit exchange-rate disclosure tied to certificate date.

· WDV up to the certificate date for vehicles (and other depreciables if configured), summarized in annexures.

· Consistent rounding and presentation across outputs.

✅ Practitioner-Grade Outputs

· CA’s Net Worth Certificate (.docx) with annexures (Immovable, Movable breakups, Loans) and valuation notes.

· Engagement Letter & Client Representation Letter using ICAI-style language (scope, responsibilities, restriction on use).

· Optional working-paper summary to support review and filing.

✅ Evidence Management that Travels with the Case

· Attach proofs to items (FD receipts, deeds, RC, loan statements).

· Export a reviewer-ready ZIP: Word outputs + data.json + proofs in tidy folders.

· Reviewer can import a single JSON to rehydrate data & proofs and regenerate documents—no re-attachment needed.

✅ Offline, Private, Consistent

· Local/desktop use by default—no cloud upload.

· Fixed templates, clear headings, UDIN placeholder, and restriction-on-use clause ensure repeatable quality.

## A Practical Use Case Scenario

Scenario: A student-visa case with scattered proofs and tight timelines.

1. Fast Intake: Staff capture applicant details, assets (land, deposits, gold, vehicle with DoP) and loans; set certificate date & FX rate.

2. Evidence Attached: FD receipts, deed copies, RC, and loan statements are linked at item level; basis of verification recorded.

3. One-Click Compute: The tool calculates totals, WDV up to the certificate date, and Net Worth in INR + FX, inserting a clear exchange-rate note.

4. Professional Outputs: Generate the CA Certificate with annexures, Engagement Letter, and Representation Letter—all formatted and ready.

5. Reviewer-Ready: Export a ZIP. The partner imports the JSON, instantly sees the same data and proofs, and regenerates documents for sign-off.

6. Deliver: Share the final certificate pack with the client—accurate, consistent, and defensible—without the usual rework.

Outcome: What typically takes hours of back-and-forth is completed cleanly in under 30 minutes, with a full documentation trail for future reference.

Technology Used

· Python (core logic & computations)

· Streamlit (simple, office-friendly UI)

· python-docx (professional Word outputs)

· pandas (tabular data handling)

· JSON + base64 + zipfile (portable reviewer pack