Built for NBFCs & Housing Finance
Faster Mortgage Approvals with Standardized Property Ratings
Scale your housing finance portfolio without scaling risk. AI-powered property scores that meet RBI compliance requirements and cut approval cycles from weeks to days.
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
Industry Challenges
Growing Your Loan Book Shouldn't Mean Growing Your Risk
Slow approvals lose borrowers
Borrowers do not wait. A slow legal check sends them to the lender who answers first.
A finished report in about 15 minutes
Upload the documents and the searches start at once. Your team reviews a finished report, not a queue.
RBI scrutiny on asset quality
Auditors ask how each property was verified. Scattered opinions and emails are hard to defend.
A cited, consistent file for every loan
Every finding is cited to its source page and rated AAA to C on five pillars. Data is stored in India, and we are ISO/IEC 27001:2022 certified.
Fraud exposure in Tier-2 and Tier-3 markets
Local records are hard to reach and easy to fake. Fraud hides where checks are thinnest.
Government sources, not just documents
Searches go to the registry and court sources directly, across 14 states. Documents in any Indian language are read.
How LegiScore Helps
Standardized Ratings That Scale With Your Ambition
LegiScore gives NBFCs and HFCs an institutional-grade property rating system, the same analytical rigor that large banks use, available at a fraction of the cost and delivered in under 15 minutes.
- 01Pillar
Ownership History
Full ownership chain verification with succession and mutation records across registrar databases.
- 02Pillar
Loans & Charges
Cross-references sub-registrar encumbrance certificates with CERSAI records to detect hidden charges.
- 03Pillar
Court Cases
Automated scanning of district courts, high courts, and tribunals for cases involving the property or its owners.
- 04Pillar
Approvals & Permits
Validates approvals, NOCs, conversion orders, and occupancy certificates against local authority records.
- 05Pillar
Market Conditions
Evaluates collateral adequacy using comparable transactions, market trends, and valuation benchmarks.
Before and after
Before and After LegiScore
| Dimension | Current NBFC Process | With LegiScore |
|---|---|---|
| Verification Speed | 10-15 days via empaneled lawyers | Under 15 minutes with AI-powered analysis |
| Geographic Coverage | Limited to cities with empaneled lawyers | Pan-India coverage across all districts |
| Quality Consistency | Depends on individual lawyer capability | Standardized scoring methodology |
| RBI Compliance | Manual documentation, audit risk | Audit-ready reports with source citations |
| Fraud Detection | Reactive, discovered post-default | Proactive, flagged before disbursement |
| Scalability | Linear, scales with headcount | Exponential, API-driven batch processing |
NBFC-Specific Features
Designed for Housing Finance Scale
AAA
Pristine
AA
Safe
A
Moderate
BBB
High Risk
C
Critical
Express Property Assessment
Get a preliminary LegiScore rating in under 15 minutes for pre-approval decisions. Full detailed reports available immediately for final disbursement approval.
Pan-India Coverage
Verify properties in Tier-1, Tier-2, and Tier-3 cities. Our data network covers 70+ government record sources across 14 states, no empaneled lawyer dependency.
RBI-Aligned Reporting
Reports structured to meet NHB and RBI disclosure requirements for property collateral. Includes all data points auditors expect to see.
Portfolio Risk Analytics
Aggregate risk view across your entire loan book. Identify concentration risk by geography, property type, or risk grade. Export data for board reporting.
LOS/LMS API Integration
Pre-built connectors for popular NBFC loan management systems. Trigger property scoring automatically when applications move to the verification stage.
Custom Risk Policies
Configure auto-approval thresholds, escalation rules, and product-specific scoring criteria. Different policies for home loans, LAP, and construction finance.
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