Built for Banking & Lending

Standardize Property Due Diligence Across Your Lending Portfolio

Q: How does LegiScore integrate with our existing loan origination system?

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.

Q: Is the LegiScore rating accepted by RBI for collateral assessment?

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.

Q: Can we customize the scoring weights for our risk appetite?

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.

Q: What is the turnaround time for bulk property assessments?

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.

Q: How far back does the litigation screening go?

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.

Q: What happens when a monitored property's risk changes?

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.

Q: Can borrowers upload documents themselves?

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.

Q: Can my team share one account?

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.

One standardized property score for every mortgage in your portfolio. No more branch-to-branch variance, no more week-long verification delays.

Request a Demo Book a demo

legiscore.in/v2/cases/LS-24817/rating

Rating (example)

Safe. Kondapur, Rangareddy

Reviewed

Ownership HistoryChain verified
Loans & ChargesNo active mortgage
Court CasesSearched across 700+ courts
Approvals & PermitsOccupancy certificate pending
Market ConditionsIn line with comparables

For the committee

Every finding links to its source page.

Documents to decision: <15 min
Risk signals checked: 29
Courts searched: 700+
States live: 14

The Problem

Manual Due Diligence Costs You More Than You Think

Inconsistent legal checks across branches

Each branch uses its own lawyers and checklists. The same property passes in one branch and fails in another.

One AAA to C rating, every branch

Every property is scored on the same five pillars, and the output follows your bank template, so branches stop disagreeing.

Manual processes delay disbursement

Collecting records and waiting on opinions stretches a file over days while the borrower waits.

Documents to decision in about 15 minutes

70+ government searches and 100+ courts run in parallel. Batch mode and LOS webhooks keep whole queues moving.

NPA risk from undetected title defects

A hidden charge, a pending suit or a broken chain of title surfaces only after the loan is disbursed.

29 risk signals, each cited to its source

Loans and charges, court cases and ownership history are checked on every file. Every finding links to the source page.

Your workflow

From first document to a grade you can act on.

01Collected
Collect documents
Borrowers upload through a secure collector link with OTP, or your LOS pushes the case through the API.
02Running
Searches run
Government registries across 14 states and 700+ courts are searched. Documents in any Indian language are read.
03Needs you
Review flagged items
Credit or legal reviews the risk signals that matter and decides what needs a condition or a fix.
04Queued
Report and rating delivered
The 29-section report arrives in your bank-template DOCX or PDF with the rating, and a webhook updates your LOS.

The Solution

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.

01Pillar
Ownership History
Verifies complete ownership chain, identifies gaps, confirms succession records and registered sale deeds across 30+ years.
02Pillar
Loans & Charges
Detects active mortgages, liens, charges, and attachments from sub-registrar records and CERSAI data.
03Pillar
Court Cases
Scans district courts, high courts, and tribunals for pending or historical cases involving the property, owners, or adjacent parcels.
04Pillar
Approvals & Permits
Checks building approvals, land-use conversion, layout permissions, and occupancy certificates against municipal records.
05Pillar
Market Conditions
Evaluates valuation stability, comparable sales data, and micro-market trends to flag overvalued collateral.

See a Sample Rating

Before and after

Manual Due Diligence vs. LegiScore-Powered Verification

Dimension	Traditional Process	With LegiScore
Turnaround Time	7-14 days per property	Under 15 minutes per property
Consistency	Varies by lawyer and branch	Standardized AAA-to-C rating
Litigation Screening	Manual court record checks	Automated scan across 700+ courts
Audit Trail	Paper files, scattered emails	Timestamped digital reports with source links
Portfolio Monitoring	One-time check at origination	Continuous monitoring with risk alerts

Platform Capabilities

Everything Your Lending Team Needs

AAA

Pristine

Safe

Moderate

BBB

High Risk

Critical

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.

Questions

What teams ask first.

How does LegiScore integrate with our existing loan origination system?

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.

Is the LegiScore rating accepted by RBI for collateral assessment?

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.

Can we customize the scoring weights for our risk appetite?

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.

What is the turnaround time for bulk property assessments?

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.

How far back does the litigation screening go?

Our litigation risk engine scans records across 700+ 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.

What happens when a monitored property's risk changes?

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.

Can borrowers upload documents themselves?

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.

Can my team share one account?

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.

Request a Demo Book a demo

Built for Banking & Lending

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.

Request a Demo Book a demo

legiscore.in/v2/cases/LS-24817/rating

Rating (example)

Safe. Kondapur, Rangareddy

Reviewed

Ownership HistoryChain verified
Loans & ChargesNo active mortgage
Court CasesSearched across 700+ courts
Approvals & PermitsOccupancy certificate pending
Market ConditionsIn line with comparables

For the committee

Every finding links to its source page.

Documents to decision: <15 min
Risk signals checked: 29
Courts searched: 700+
States live: 14

The Problem

Manual Due Diligence Costs You More Than You Think

Inconsistent legal checks across branches

Each branch uses its own lawyers and checklists. The same property passes in one branch and fails in another.

One AAA to C rating, every branch

Every property is scored on the same five pillars, and the output follows your bank template, so branches stop disagreeing.

Manual processes delay disbursement

Collecting records and waiting on opinions stretches a file over days while the borrower waits.

Documents to decision in about 15 minutes

70+ government searches and 100+ courts run in parallel. Batch mode and LOS webhooks keep whole queues moving.

NPA risk from undetected title defects

A hidden charge, a pending suit or a broken chain of title surfaces only after the loan is disbursed.

29 risk signals, each cited to its source

Loans and charges, court cases and ownership history are checked on every file. Every finding links to the source page.

Your workflow

From first document to a grade you can act on.

01Collected
Collect documents
Borrowers upload through a secure collector link with OTP, or your LOS pushes the case through the API.
02Running
Searches run
Government registries across 14 states and 700+ courts are searched. Documents in any Indian language are read.
03Needs you
Review flagged items
Credit or legal reviews the risk signals that matter and decides what needs a condition or a fix.
04Queued
Report and rating delivered
The 29-section report arrives in your bank-template DOCX or PDF with the rating, and a webhook updates your LOS.

The Solution

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.

01Pillar
Ownership History
Verifies complete ownership chain, identifies gaps, confirms succession records and registered sale deeds across 30+ years.
02Pillar
Loans & Charges
Detects active mortgages, liens, charges, and attachments from sub-registrar records and CERSAI data.
03Pillar
Court Cases
Scans district courts, high courts, and tribunals for pending or historical cases involving the property, owners, or adjacent parcels.
04Pillar
Approvals & Permits
Checks building approvals, land-use conversion, layout permissions, and occupancy certificates against municipal records.
05Pillar
Market Conditions
Evaluates valuation stability, comparable sales data, and micro-market trends to flag overvalued collateral.

See a Sample Rating

Before and after

Manual Due Diligence vs. LegiScore-Powered Verification

Dimension	Traditional Process	With LegiScore
Turnaround Time	7-14 days per property	Under 15 minutes per property
Consistency	Varies by lawyer and branch	Standardized AAA-to-C rating
Litigation Screening	Manual court record checks	Automated scan across 700+ courts
Audit Trail	Paper files, scattered emails	Timestamped digital reports with source links
Portfolio Monitoring	One-time check at origination	Continuous monitoring with risk alerts

Platform Capabilities

Everything Your Lending Team Needs

AAA

Pristine

Safe

Moderate

BBB

High Risk

Critical

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.

Questions

What teams ask first.

How does LegiScore integrate with our existing loan origination system?

Is the LegiScore rating accepted by RBI for collateral assessment?

Can we customize the scoring weights for our risk appetite?

What is the turnaround time for bulk property assessments?

How far back does the litigation screening go?

What happens when a monitored property's risk changes?

Can borrowers upload documents themselves?

Can my team share one account?

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.

Request a Demo Book a demo