Accreditation
Are you an accredited investor in India?
In India you count as an accredited investor when your income or your net worth clears one of SEBI’s three tests, and this page shows you which one you meet. Anyone can join Xuvian and look through the early-stage companies we have already worked through. To put money into one you need the certificate, so it helps to know where you stand first.
- General information
- Not legal or tax advice
Last updated 8 October 2026.
The three ways an individual qualifies
Meeting any one of these is enough. The same three tests cover individuals, Hindu undivided families, family trusts and sole proprietors. Watch one thing: the home you live in does not count toward your net worth.
- Income of at least Rs 2 crore a year.
- Net worth of at least Rs 7.5 crore, with at least Rs 3.75 crore of it in financial assets.
- Income of at least Rs 1 crore a year, together with net worth of at least Rs 5 crore, half of it in financial assets.
Thresholds from SEBI’s accredited investor framework at sebi.gov.in, where you can check each figure.
Work out which test you meet
Type in your income, your net worth, and how much of that sits in financial assets. We tell you which of the three tests you clear, or how far short you are. Nothing you enter is saved.
How to get accredited
Two agencies issue accreditation: CDSL Ventures and NSDL Database Management, known as NDML. You apply online and send your proof. There are four steps.
- Gather your PAN and KYC, plus proof of income or net worth: tax returns or a chartered accountant’s certificate.
- Apply online to CDSL Ventures or NDML.
- Pay the agency fee. CDSL Ventures publishes a fee of about Rs 10,000 to Rs 14,500 plus GST.
- Get your certificate, then come back and commit on Xuvian when you are ready.
The fee comes from CDSL Ventures’ published schedule, which you can check on their site.
If you live outside India
If you live outside India you can still get accredited today, through the same two agencies, CDSL Ventures or NDML, as long as you hold a PAN. On 24 September 2026 SEBI’s board approved treating people living abroad as accredited without a certificate. That change does not take effect until SEBI notifies it, so for now the certificate is the route that works.
Questions people ask
The same handful of questions come up on the tests above. Here they are, answered plainly.
Does the home I live in count toward net worth?
No. The home you live in is left out of the net worth tests.
Can I look on Xuvian before I am accredited?
Yes. Anyone can join and see the companies we have worked through. You need the certificate only to commit money to one.
I invest through a company or trust. Does it qualify?
A company, or a trust other than a family trust, qualifies with net worth of at least Rs 50 crore. A partnership firm is judged partner by partner, each on their own.
What proof do the agencies want?
Your PAN and KYC, and proof of income or net worth, which is either your tax returns or a chartered accountant’s certificate.
See the companies, then decide
Finding early-stage companies and checking them out yourself takes weeks on each one: the calls, the documents, the people you chase for answers. On Xuvian you look through companies we have already worked through, so you start from the questions already asked and answered rather than a blank page. Fair question: why trust someone else’s work? You see what we found and what we could not confirm, you make your own call, and you invest directly. Companies move while you wait, so having the certificate in hand means you can act the day one fits. Once you know you qualify, join as an investor and start looking.
Early-stage investing is risky and you can lose the whole amount. General information, not legal or tax advice. Formal contact and grievance details are on the Contact page.