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.
Rating (example)
AA
Safe. Kondapur, Rangareddy
- Ownership HistoryChain verified
- Loans & ChargesNo active mortgage
- Court CasesSearched across 700+ courts
- Approvals & PermitsOccupancy certificate pending
- Market ConditionsIn line with comparables
- Documents to decision
- <15 min
- Risk signals checked
- 29
- Courts searched
- 700+
- States live
- 14
The Problem
Portfolio Pricing Is Only as Good as the Collateral Behind It
Security gaps found after assignment
Transferred loan files often lack a registered mortgage or a link in the chain of security. You learn it after closing.
Title and charges checked before you bid
Loans and Charges is a rated pillar. Registered charges and prior mortgages appear with the source page.
Enforceability differs asset by asset
Exemptions and defects in the original mortgage can turn a secured loan into a weak one.
Risk signals on every asset
Twenty-nine risk signals and an AAA to C rating sort collateral by title risk. Each signal is cited.
Bid windows are too short
A pool of hundreds of loans cannot get individual title opinions inside a bid window.
Whole pool screened in a batch
Batch mode runs the collateral list together. The report for each asset takes about 15 minutes.
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.
- 01Pillar
Ownership History
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.
- 02Pillar
Loans & Charges
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.
- 03Pillar
Court Cases
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.
- 04Pillar
Approvals & Permits
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.
- 05Pillar
Market Conditions
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.
Before and after
Manual Portfolio Review vs. LegiScore for ARC Acquisitions
| Dimension | 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 |
Platform Capabilities
Everything Your Portfolio Bid Team Needs
AAA
Pristine
AA
Safe
A
Moderate
BBB
High Risk
C
Critical
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.
Questions