Built for Housing Finance
Accelerate Home Loan Approvals with Standardized Property Ratings
Replace slow, inconsistent property verification with AI-powered LegiScore ratings. Screen properties in minutes, not days, while meeting NHB regulatory requirements.
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
HFC Challenges
Property Verification Shouldn't Slow Down Home Loans
Slow property verification
Manual title searches and physical checks delay disbursement, and customers move to faster lenders.
About 15 minutes, documents to decision
Searches run in parallel and the report is ready for your credit team the same sitting.
Title defects turn into NPAs
Thin due diligence lets loans through on disputed or encumbered properties.
29 risk signals on every property
Ownership, charges, court cases and approvals are checked and rated AAA to C before sanction.
Inconsistent lawyer opinions
Each empaneled lawyer writes in a different format and applies a different standard.
One format in your bank template
Every report comes out as a DOCX or PDF in your own template, with each finding cited to its source.
The LegiScore Advantage
One Rating. Complete Property Intelligence.
The LegiScore rates every property from AAA (Pristine) to C (Critical) across 5 risk dimensions, giving your credit team a standardized, auditable basis for every home loan decision.
- 01Pillar
Ownership History
Validates complete chain of title, succession records, and power of attorney documents.
- 02Pillar
Loans & Charges
Real-time EC search across SRO portals to detect existing loans, liens, and charges.
- 03Pillar
Court Cases
Scans e-Courts for pending or historical disputes involving the property or owners.
- 04Pillar
Approvals & Permits
Checks RERA registration, building permits, land use conversion, and layout approvals.
- 05Pillar
Market Conditions
Assesses property value trends, comparable sales, and market liquidity in the area.
Before and after
Manual Verification vs LegiScore-Powered Due Diligence
| Dimension | Manual Process | With LegiScore |
|---|---|---|
| Verification Time | 7-14 days per property | 15 minutes with instant LegiScore rating |
| Consistency | Varies by lawyer and branch | Standardized AAA-to-C rating |
| NHB Compliance | Manual documentation, audit risk | Auto-generated audit trail |
| Scale | Limited by empaneled lawyer availability | Unlimited parallel processing |
| Risk Detection | Depends on lawyer thoroughness | 7 government databases checked automatically |
Platform Features
Everything Housing Finance Companies Need
AAA
Pristine
AA
Safe
A
Moderate
BBB
High Risk
C
Critical
Instant Property Ratings
Get AAA-to-C LegiScore ratings within minutes. AI analyzes title, encumbrance, litigation, compliance, and market risk simultaneously.
Portfolio Risk Dashboard
Monitor property risk across your entire lending portfolio. Identify concentration risks and properties needing re-verification.
NHB-Ready Reports
Generate compliance-ready documentation that meets National Housing Bank audit requirements and RBI guidelines.
Government Database Integration
Direct integration with EC portals, e-Courts, RERA, revenue records, and property tax databases across states.
Branch-Level Access
Role-based access for branch managers, credit officers, and legal teams with centralized oversight.
Automated Report Generation
White-labeled property verification reports for borrower communication and internal documentation.
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