Standardize Property Due Diligence Across Your Lending Portfolio
One standardized property score for every mortgage in your portfolio. No more branch-to-branch variance, no more week-long verification delays.
Manual Due Diligence Costs You More Than You Think
Inconsistent Valuations Across Branches
Each branch uses different lawyers, different checklists, and different standards. A property that passes due diligence in one branch gets rejected in another — creating portfolio-wide blind spots.
34% variance across branch assessmentsManual Processes Delay Loan Disbursement
Lawyers take 7-14 days for a single property report. Multiply that across hundreds of applications and your pipeline stalls while borrowers walk to faster competitors.
11 days average turnaroundNPA Risk from Undetected Title Defects
Properties with hidden encumbrances, disputed ownership, or pending litigation slip through manual review. When borrowers default, recovery becomes impossible on these assets.
18% of NPAs trace to title issuesRegulatory Compliance is a Moving Target
RBI and NHB guidelines for property collateral assessment keep evolving. Maintaining audit-ready documentation across thousands of properties is a full-time job.
One Score That Captures Every Property Risk
LegiScore analyzes properties across five independently verified pillars, producing a standardized AAA-to-C rating that every branch, every loan officer, and every auditor can rely on.
Title Integrity — Verifies complete ownership chain, identifies gaps, confirms succession records and registered sale deeds across 30+ years.
Encumbrance Status — Detects active mortgages, liens, charges, and attachments from sub-registrar records and CERSAI data.
Litigation Risk — Scans district courts, high courts, and tribunals for pending or historical cases involving the property, owners, or adjacent parcels.
Regulatory Compliance — Checks building approvals, land-use conversion, layout permissions, and occupancy certificates against municipal records.
Market Risk — Evaluates valuation stability, comparable sales data, and micro-market trends to flag overvalued collateral.
Manual Due Diligence vs. LegiScore-Powered Verification
Everything Your Lending Team Needs
Bulk Property Screening
Upload hundreds of property addresses and receive standardized LegiScore ratings in a single batch. Ideal for portfolio acquisition and stress-testing exercises.
Core Banking API Integration
REST APIs that plug directly into your LOS, LMS, or core banking system. Trigger property scoring automatically at application intake.
Audit-Ready Compliance Trail
Every score is backed by timestamped source documents, methodology notes, and version history — ready for RBI inspections and internal audits.
Portfolio Risk Dashboard
Real-time visibility into property risk distribution across your lending book. Filter by branch, product, geography, or risk grade.
Continuous Monitoring & Alerts
Get notified when a collateral property's risk profile changes — new litigation filed, ownership transfer, or encumbrance registered.
Secure Document Collection
Send borrowers a Collector link. They upload documents with OTP verification — no email chains, no WhatsApp, no missing pages.
Auto-Start Reports
Reports start automatically when borrower documents arrive. Configure document minimums and let the STP pipeline handle the rest.
Team Accounts
Shared org credits, centralized GSTIN billing, case sharing across your credit team.
“Case Study: How a private sector bank standardized property scoring across 45 branches — eliminating branch-to-branch variance and catching 3 at-risk properties in the first quarter.”
“Case Study: How a top-10 bank's portfolio monitoring caught three properties with newly filed litigation that would have become problem assets — saving crores in potential NPAs.”
Frequently Asked Questions
LegiScore offers REST APIs with pre-built connectors for major LOS and core banking platforms. Integration typically takes 2-4 weeks. We provide sandbox environments, technical documentation, and dedicated integration support throughout the process.
LegiScore is designed to complement and strengthen your existing due diligence framework. The rating consolidates data from official government sources — sub-registrar offices, courts, municipal authorities — into a structured format that aligns with RBI guidelines for property collateral documentation.
Yes. While the default LegiScore model provides balanced scoring across all five pillars, enterprise clients can adjust pillar weights, set custom thresholds for auto-approval or escalation, and define branch-specific policies.
Individual properties are scored in under 15 minutes. For bulk uploads, we process up to 500 properties per batch with results delivered progressively. Priority processing is available for time-sensitive portfolio acquisitions.
Our litigation risk engine scans records across 18,000+ courts including district courts, high courts, the Supreme Court, debt recovery tribunals, and consumer forums. We cover cases filed in the last 20+ years involving the property address, survey numbers, and current or historical owners.
Continuous monitoring checks for new court filings, ownership transfers, encumbrance registrations, and regulatory changes. When a change is detected, the property is re-scored and your designated team receives an alert via email, dashboard notification, or webhook — depending on your integration setup.
Yes. You send borrowers a secure Collector link. They upload property documents with OTP verification — no app download, no WhatsApp back-and-forth. Documents arrive organized and ready for processing.
Yes. Org accounts let your credit team share credits, view cases across the team, and receive centralized GSTIN billing. Role-based access ensures each team member sees what they need.
Transform Your Lending Portfolio Risk Management
Join leading banks that use LegiScore to standardize property due diligence, reduce NPAs, and accelerate loan processing.
India's property rating standard. Get your property's risk score in 15 minutes.