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Compliance · KYC

Source of Funds

Documentary evidence proving where the specific money used in a transaction originated. A core component of due diligence for every investment-migration application.

Also known as:SoFSoFSource of wealthSoW

Definition

Documentary evidence proving where the specific money used in a transaction originated. A core component of due diligence for every investment-migration application.

Source of Funds (SoF) is the evidentiary trail showing where the specific funds being invested in a CBI / RBI programme actually came from. Acceptable sources include salary income (evidenced by employment contracts and payslips), business profits (evidenced by audited accounts and dividend resolutions), the sale of a property or business (sale agreement plus bank-statement reconciliation), inheritance (probate documents plus bank trail), and investment returns.

SoF is distinct from Source of Wealth (SoW), which is the broader origin of the applicant's total net worth — including assets not used in the transaction. Most programmes require SoW for high-net-worth applicants in addition to SoF on the transaction-specific funds.

The most common SoF rejection ground is "unexplained gap" — funds that appear in an account without a traceable origin from a legitimate source.

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Frequently asked questions

Where can I see this term in practice?

Follow the related programme and guide links on this page to see how the term applies to live programmes.

Who can explain how this applies to me?

An adviser can explain how the term affects your application. Book a consultation or send us a message.

What is investment migration?

Investment migration is the legal process of obtaining citizenship or residency in a foreign country through a qualifying financial contribution — such as a government fund donation, real estate purchase, or business investment. Programmes are offered by sovereign governments and are fully legal, internationally recognised, and increasingly common among UHNW and HNW individuals and families.

What is the difference between residency and citizenship by investment?

Residence by investment gives you the right to live in a country; citizenship by investment makes you a national with a passport and full civic rights.

Residence permits usually need renewing and may carry stay requirements, while citizenship is generally permanent. Many families combine the two to cover different needs.

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