Built for Asset Reconstruction Companies

Know the Real Recovery Value Before You Bid on the Portfolio

Portfolio pricing assumes the underlying collateral is clean and enforceable. LegiScore re-verifies title on every property securing every loan in the pool — so a defective mortgage or missing security document doesn't erode your recovery after the assignment closes.

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72%

Faster Collateral Screening

500+

Properties Rated

18,000+

Courts & Tribunals Scanned

The Problem

Portfolio Pricing Is Only as Good as the Collateral Behind It

Risk Factors · Identified4 SIGNALS

Missing Security Documents Surface After the Assignment Closes

Loan files transferred from the originating bank or NBFC often have incomplete security documentation — an unregistered mortgage, a missing title-deed original, or a gap in the chain of security. By the time you discover it, the assignment is done and your recovery leverage is already weaker.

1 in 5 NPA files show incomplete security documentation

SARFAESI Enforceability Varies Asset by Asset

Not every asset in a stressed portfolio is equally enforceable under SARFAESI. Agricultural land exemptions, procedural defects in the original mortgage creation, or borrower entities structured to resist enforcement can turn a 'secured' loan into a contested one.

Bad Title Erodes Recovery Value After You've Already Priced the Bid

ARC bids are built on assumed recovery value per asset. If the underlying property has a disputed title, an undischarged prior charge, or litigation the seller didn't disclose, your realized recovery falls well short of the price you paid for the pool.

Portfolio Bid Timelines Don't Allow for Asset-by-Asset Legal Review

Bid windows for stressed-asset portfolios are typically 2-4 weeks. Commissioning individual title opinions on every collateral property in a 50-500 loan pool within that window is rarely feasible with traditional legal review.

50-500+ assets typical per portfolio bid

Assessment PillarsSCORED

Title Integrity300 pts

Re-verifies the borrower's ownership chain and the mortgage-creation documentation, checking whether the security interest was properly registered and whether the chain of title has any gaps that predate the original loan.

Encumbrance Status250 pts

Cross-checks CERSAI, sub-registrar, and ROC records for prior or competing charges on the same collateral — a common source of priority disputes in stressed-asset recoveries.

Litigation Risk200 pts

Scans DRTs, DRATs, NCLT, and civil courts for pending proceedings involving the borrower, guarantor, or the property itself, including challenges to the original mortgage or SARFAESI action already initiated.

Regulatory Compliance150 pts

Flags SARFAESI-exempt categories such as certain agricultural land, and checks whether procedural requirements for enforcement — demand notice, possession notice, valuation — were correctly followed on each asset.

Market Risk100 pts

Benchmarks the collateral's current market value against comparable transactions, giving your team a realistic recovery estimate independent of the book value carried on the seller's balance sheet.

The LegiScore Approach

One Standardized Rating for Every Asset in the Pool

LegiScore re-verifies title, encumbrance, and SARFAESI enforceability status for every property securing every loan in the portfolio, giving your investment committee a per-asset risk view before you finalize your bid price — not after.

See a Sample Portfolio Report →

Before vs. After

Manual Portfolio Review vs. LegiScore for ARC Acquisitions

Traditional Process

With LegiScore

Per-Asset Turnaround

Days to weeks per property via panel counsel

Under 15 minutes per asset

Portfolio-Wide Screening

Sample-based review of a subset of assets

Full-portfolio screening, every asset in the pool

Security Document Gaps

Discovered post-assignment during recovery action

Flagged during bid diligence, before pricing

SARFAESI Enforceability

Assumed clean unless flagged by seller

Independently checked per asset, including procedural compliance

Bid Timeline Fit

2-4 week windows rarely allow full legal review

Full-portfolio ratings deliverable within the bid window

Recovery Value Estimation

Based on seller-provided book value

Benchmarked against comparable market transactions

Per-Asset Turnaround

Days to weeks per property via panel counsel

Under 15 minutes per asset

Portfolio-Wide Screening

Sample-based review of a subset of assets

Full-portfolio screening, every asset in the pool

Security Document Gaps

Discovered post-assignment during recovery action

Flagged during bid diligence, before pricing

SARFAESI Enforceability

Assumed clean unless flagged by seller

Independently checked per asset, including procedural compliance

Bid Timeline Fit

2-4 week windows rarely allow full legal review

Full-portfolio ratings deliverable within the bid window

Recovery Value Estimation

Based on seller-provided book value

Benchmarked against comparable market transactions

Platform Capabilities

Everything Your Portfolio Bid Team Needs

Full-Portfolio Collateral Screening

Screens every property securing every loan in the pool, not a sample — so pricing decisions are based on complete portfolio risk, not extrapolation.

Security Document Gap Detection

Flags missing or defective mortgage registration, incomplete chain-of-security documentation, and title-deed gaps inherited from the originating lender's files.

SARFAESI Enforceability Check

Checks each asset for SARFAESI-exempt categories and procedural compliance in the original enforcement steps, so you know which assets are genuinely recovery-ready.

Recovery Value Benchmarking

Compares the collateral's likely market value against comparable transactions, giving your bid team a realistic recovery estimate independent of the seller's book value.

Portfolio Risk Dashboard

View every asset's AAA-to-C rating on one dashboard, filterable by branch, geography, or risk grade — prioritize legal remediation on the assets that matter most to your recovery plan.

API for Deal-Room Integration

Integrate collateral screening directly into your data-room or deal-evaluation platform, so title status updates as new loan files are added during the bid process.

500+

Properties Rated

95%

Rating Accuracy

72%

Faster Collateral Screening

18,000+

Courts & Tribunals Scanned

Before you decide

Frequently Asked Questions

Can LegiScore screen an entire NPA portfolio before a bid deadline?

Yes. LegiScore is built for full-portfolio screening — upload the property and loan details for the entire pool and receive standardized title reports across all assets, typically within your bid diligence window.

Does LegiScore check SARFAESI enforceability?

Yes. Each report checks for SARFAESI-exempt categories such as certain agricultural land and reviews whether procedural steps in the original enforcement action — demand notice, possession notice, valuation — appear to have been correctly followed.

How does LegiScore detect gaps in security documentation?

We verify the mortgage-creation documentation against sub-registrar and CERSAI records, checking whether the security interest was properly registered and flagging any gaps in the chain of title that predate the original loan.

Can LegiScore help estimate realistic recovery value on collateral?

Yes. Market Risk scoring benchmarks each collateral property against comparable transactions in its micro-market, giving your team a value estimate independent of the book value carried by the seller.

Do you check for competing or prior charges on the same collateral?

Yes. We cross-check CERSAI, sub-registrar, and ROC records for prior or competing charges — a frequent source of priority disputes when multiple lenders have claims on the same asset.

Can we integrate LegiScore into our deal-room or portfolio-evaluation platform?

Yes. Our REST API integrates with data-room and deal-evaluation platforms, so collateral title status updates in real time as new loan files are added during the bid process.

Ready to get started?

Price the Portfolio on Verified Collateral, Not Assumed Collateral

Every unverified asset in a stressed-asset pool is a pricing risk. LegiScore re-verifies title, encumbrance, and SARFAESI enforceability on every property before you finalize your bid.

Request a Demo →Contact for Enterprise Pricing

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Know the Real Recovery Value Before You Bid on the Portfolio

72%

Faster Collateral Screening

500+

Properties Rated

18,000+

Courts & Tribunals Scanned