GIFT IFSC · IFSCA · Guided tool

Accredited investor checker

Check whether an investor meets IFSCA's eligibility criteria for an accredited investor, see which test they pass, and what the FME must still do before treating them as one.

Investing in a SEBI-registered AIF instead? Use the SEBI AIF checker

Who is investing?

Pick the legal form of the investor. Each form has its own tests.

An individualAlso a sole proprietorship, One Person Company or any other form made up of only one natural person.Spouses investing jointlyTheir combined income or net assets are tested.Parent and child investing jointlyIncludes stepchildren, adopted and ex-nuptial children.An HUF or similar family structureSet up only for the members of a single family, in India or abroad.A partnership firmA trustA company, LLP or other body corporateA government body, regulated fund or regulated financial firmAccredited by default if it falls in the list.

How to use this checker

Pick the investor. An individual, a joint investment, a family structure, a firm, a trust, a company or an institution.
Enter the figures. Income, net assets and financial assets in USD, or net worth for an entity. The tool applies the deposit cap and the 6-month rule.
Read the result. It names the test passed, shows the working and lists what the FME must still do before treating the investor as accredited.

Worked example

Ms Rao, a senior executive

Income last year USD 180,000; net assets USD 1.4 million without her flat; USD 420,000 in listed shares and funds; USD 250,000 in fixed deposits; figures as at last month.

Result: The income test fails (below USD 200,000). For the net assets test only USD 100,000 of her deposits is counted, so financial assets are USD 520,000. With net assets of USD 1.4 million she passes the net assets test.

Onboarding an accredited investor?

Policy, certificates and investor confirmations: get them checked by CS Prashant Kumar.

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Source

IFSCA circular dated 25 January 2024 (Accredited Investors in IFSC), paras 1–7; Reg 2(1)(b), IFSCA (Fund Management) Regulations, 2025.

Indicative only. The FME decides whether to onboard an investor as accredited (circular para 2(b)). This tool is not legal or regulatory advice and does not replace the circular or the notified text of the IFSCA (Fund Management) Regulations, 2025. The circular is dated 25 January 2024 and is kept in force by Reg 148(5) of the 2025 Regulations; check IFSCA's website for any later change.

Meet the expert

CS Prashant Kumar

Company Secretary & Compliance Officer
Global Horizons Capital Advisors (IFSC) Private Limited — an IFSCA-licensed investment banker

13+ years of experienceFCS Fellow member, ICSIAuthor Audit Under Fire

Published in The Chartered Accountant (Jun 2025, Jan 2025, Mar 2024) and Chartered Secretary (Aug 2023)

Prashant Kumar is a seasoned Company Secretary and corporate governance strategist with more than 13 years of experience advising large corporates, promoter-led groups and global businesses on compliance, regulatory risk and board governance. In GIFT IFSC, the IFSCA regime is his day job rather than a research topic.

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