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SEBI's Accredited Investor framework (§4.1.1) recognises three independent eligibility paths for individuals. Satisfying any one of them is sufficient.
Annual income of ₹2 crore or above, as reported in your Income Tax Return for the preceding financial year.
Simplest routeNet worth of ₹7.5 crore or above — of which at least ₹3.75 crore must be held in financial assets such as equity, mutual funds, or bonds.
Wealth-led routeAnnual income ≥ ₹1 crore plus net worth ≥ ₹5 crore, of which at least ₹2.5 crore must be in financial assets.
Most flexibleAccredited Investor status grants access to a regulation-light investment universe not available to retail participants.
No. This is an independent self-assessment tool built using the publicly available SEBI Board Memorandum on the Introduction of Framework for Accredited Investors (2021). It has no affiliation with SEBI, BSE, NSE, NSDL, or CDSL. Formal accreditation must be obtained from a SEBI-recognised Accreditation Agency.
Only your email address and optional name — used solely to send your eligibility report. No PAN, Aadhaar, income documents, or financial account details are collected or stored. All eligibility calculations run in your browser.
For the formal process with an Accreditation Agency, you will need a self-certified copy of your Income Tax Return for the preceding financial year (FY 2025–26). If applying for 2-year validity, ITRs for the three preceding years are required. Real estate valuations should be at ready reckoner (circle) rates, not market value. Your primary residence is excluded from net worth.
Accreditation based on a single preceding year's financials is valid for 1 year from the date of issue. If you can demonstrate that you met the eligibility criteria for each of the 3 preceding financial years, accreditation is valid for 2 years. Renewal requires a fresh application with updated documents.
Your eligibility report will include a personalised improvement plan showing exactly how much more income, net worth, or financial assets you need — and which path is closest. The most common lever is shifting a larger portion of total wealth into financial assets (equity, mutual funds, bonds), which counts toward all three eligibility paths. Re-assess after your next ITR filing.
This tool currently covers individual investors only. Joint account eligibility (spouse or parent-child combinations) will be added in a future update. Under SEBI rules, spouse joint accounts may use combined income and net worth, while parent-child accounts require at least one holder to qualify independently.
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