# V.N.V Engineers

> V.N.V Engineers is a firm of Chartered Engineers and IBBI Registered Valuers (Land & Building) with offices in Agra and Noida, Uttar Pradesh, India. It prepares property valuation reports for banks, NBFCs, housing finance companies, government agencies, courts and private clients. The firm is led by Er. Shivam Verma (IBBI registration no. IBBI/RV/02/2023/15442) and has delivered 3,000+ valuations over 7+ years.

## Key facts

- Lead valuer: Er. Shivam Verma — Chartered Engineer & IBBI Registered Valuer (Land & Building)
- IBBI Registered Valuer, asset class Land & Building: IBBI/RV/02/2023/15442
- Institution of Valuers (IOV) member no. A-31744; IOV RVF no. IOVRVF/M/L&B/10726
- Institution of Engineers (India) member no. AM1864656; Chartered Engineer
- Education: B.Tech (Civil Engineering), IIMT Meerut, 2012–2016
- Experience: 7+ years; 3,000+ valuations delivered
- Empanelled with: Punjab National Bank, Indian Bank, Canara Bank, Uttar Pradesh Gramin Bank, City Union Bank Limited, AU Small Finance Bank, Cent Bank Home Finance Limited, Grihum Housing Finance Limited, Vastu Housing Finance Limited, Wonder Home Finance Limited
- Reports conform to RBI guidelines, IBBI regulations and ICAI valuation standards
- Methods: market comparison, cost approach, income approach and discounted cash flow (DCF)

## Contact

- Phone / WhatsApp: +91 94585 63975
- Email: info@vnvengineers.com
- Agra office: Shop No. 10, Block-C25, IInd Floor, Cloth Market, Near Corporate Park, Sanjay Palace, Agra – 282002 — Google Maps: https://maps.google.com/?cid=5381188938559594106
- Noida office: Sunworld Vanalika, Sector 107, Noida, UP
- Office hours: Mon – Sat · 10:00 AM – 7:00 PM (Sunday closed)
- Enquiry form: https://vnvengineers.com/contact

## Services

- [Mortgage & Loan Security Valuation](https://vnvengineers.com/services/mortgage-loan-security-valuation): Bank-format property valuation reports for home loans, loans against property (LAP) and secured lending by an IBBI Registered Valuer empanelled with PNB, Canara Bank, Indian Bank and more.
- [Residential, Commercial & Industrial Valuation](https://vnvengineers.com/services/residential-commercial-industrial-valuation): Valuation of flats, independent houses, shops, offices, warehouses, factories and cold storages using cost, income and market comparison approaches — by an IBBI Registered Valuer in Agra and Noida.
- [Legal Disputes & Arbitration Valuation](https://vnvengineers.com/services/legal-dispute-arbitration-valuation): Independent, court-ready property valuation reports for litigation, arbitration, partition and family settlements, prepared by an IBBI Registered Valuer (Land & Building).
- [Agricultural & Land Appraisal](https://vnvengineers.com/services/agricultural-land-valuation): Valuation of agricultural land, farmland, vacant plots and land parcels based on circle rates, zoning and development potential, by an IBBI Registered Valuer in Agra and Noida.
- [Market Research & Feasibility Studies](https://vnvengineers.com/services/market-research-feasibility-study): Investment-grade real estate feasibility and highest-and-best-use studies using Income, Cost, Market Comparison and Discounted Cash Flow (DCF) methods for lenders and investors.
- [RBI / IBBI / Banking Norm Compliance](https://vnvengineers.com/services/rbi-ibbi-compliance-valuation): Valuation reports prepared in conformity with RBI guidelines, IBBI regulations and ICAI valuation standards — audit-ready for bank credit, NPA and recovery decisions.

## Locations

- [Property valuer in Agra](https://vnvengineers.com/property-valuer-in-agra): V.N.V Engineers is an Agra-based firm of Chartered Engineers and IBBI Registered Valuers, with its office at Sanjay Palace. Er. Shivam Verma (IBBI/RV/02/2023/15442) prepares bank-format and independent valuation reports for residential, commercial, industrial and agricultural property in Agra.
- [Property valuer in Noida](https://vnvengineers.com/property-valuer-in-noida): V.N.V Engineers has an office at Sector 107, Noida, serving banks, housing finance companies and private clients in Noida. Er. Shivam Verma (IBBI/RV/02/2023/15442) values apartments in group housing societies, commercial spaces, industrial plots and land for secured lending and independent purposes.

## Pages

- [About Er. Shivam Verma](https://vnvengineers.com/about): credentials and qualifications
- [Empanelled banks](https://vnvengineers.com/empanelled-banks): banks and housing finance companies the firm is approved with
- [Property valuation FAQs](https://vnvengineers.com/faq): answers on registered valuers, documents, methods and costs
- [VNV ValuPro](https://vnvengineers.com/valupro): the firm's digital valuation workflow with GPS-verified site visits

## Frequently asked questions

### What is an IBBI Registered Valuer?

An IBBI Registered Valuer is a professional registered with the Insolvency and Bankruptcy Board of India under the Companies (Registered Valuers and Valuation) Rules, 2017, after passing the IBBI valuation examination in a specific asset class. Er. Shivam Verma of V.N.V Engineers is registered in the Land & Building class with registration number IBBI/RV/02/2023/15442.

### Why does a bank need a property valuation before giving a loan?

The property is the bank's security for the loan. An independent valuation tells the bank what the property is worth and what it could realise if sold, which decides the loan amount, the margin and the risk the bank is taking.

### What is the difference between fair market value, realisable value and distress value?

Fair market value is the price a property would fetch between a willing buyer and willing seller. Realisable value is what the bank expects to recover on sale, usually a little below market value. Distress (forced-sale) value is the lower amount expected in a quick sale, such as a recovery auction.

### What is the difference between circle rate and market value?

The circle rate (guideline value) is the minimum rate fixed by the district administration for stamp duty and registration. Market value is the realistic price of the property in the open market. Valuation reports for banks record both figures.

### Which documents are required for property valuation?

Usually the sale deed or title deed with the previous chain of documents, the approved building plan, the allotment letter or builder-buyer agreement for flats, the latest property tax receipt, and revenue records such as khatauni for land. Additional documents may be needed depending on the property and the purpose.

### How is a property valuation carried out?

The valuer studies the documents, inspects the property in person, measures it, records photographs and GPS location, checks construction against the approved plan, researches comparable sale prices and circle rates, and then prepares a report stating the method, assumptions and values.

### How long does a property valuation take?

It depends on the property type, its location and how complete the documents are. Bank valuations are prepared within the turnaround time set by the lender. Contact V.N.V Engineers with the property details for a timeline on your specific case.

### How much does a property valuation cost?

For bank loans the valuation fee is set by the bank's schedule. For private, legal or tax valuations the fee depends on the property type, size, location and purpose of the report. Send the property details through the contact page or call +91 94585 63975 for a quote.

### Which banks is V.N.V Engineers empanelled with?

Punjab National Bank, Indian Bank, Canara Bank, Uttar Pradesh Gramin Bank, City Union Bank, AU Small Finance Bank, Cent Bank Home Finance, Grihum Housing Finance, Vastu Housing Finance and Wonder Home Finance.

### Where does V.N.V Engineers provide valuation services?

The firm has offices in Agra (Sanjay Palace) and Noida (Sector 107), Uttar Pradesh, and takes up valuation assignments in and around these cities for banks, NBFCs, government agencies and private clients.

### Can individuals get a property valued, or only banks?

Both. Besides bank assignments, V.N.V Engineers prepares valuation reports for individuals and businesses for sale or purchase, family partition, legal disputes, capital-gains tax, visa and net-worth purposes.

### Which valuation methods are used?

The market comparison (sales comparison) approach, the cost approach (land value plus depreciated cost of construction), the income approach for rented property, and Discounted Cash Flow (DCF) for projects and income-producing assets. The method is chosen to suit the property and the purpose of valuation.