Mortgage & Loan Security Valuation
Bank-ready valuation reports for secured lending, home loans, and loans against property.
What this valuation covers
Defensible security valuations that satisfy the lender's risk and audit requirements — prepared to the format and turnaround time banks and NBFCs expect for sanction and disbursement.
Every report is prepared and signed by Er. Shivam Verma, Chartered Engineer and IBBI Registered Valuer (Land & Building), registration no. IBBI/RV/02/2023/15442, from offices in Agra and Noida.
- Home loans & LAP security cover
- Realisable & distress value assessment
- Bank-format reporting & TAT compliance
Common reasons for this valuation
- Home loan sanction and disbursement
- Loan against property (LAP) and top-up loans
- Periodic revaluation of existing security by the bank
- Balance transfer of a loan to another bank or HFC
Documents usually required
- Sale deed / title deed and the chain of previous title documents
- Approved building plan or map sanctioned by the development authority
- Allotment letter or builder-buyer agreement (for flats under construction)
- Latest property tax / house tax receipt
- Khasra–khatauni or other revenue records (for land and plots)
The exact list depends on the property and the lender. We confirm it when the assignment is received.
Our valuation process
- 01
Share details & documents
Send the property type, location, purpose of valuation and the available title and plan documents.
- 02
Site inspection
The property is inspected in person — measured, photographed and GPS-tagged, with boundaries and construction checked against the documents.
- 03
Market & circle-rate research
Comparable sale and rental evidence, the applicable circle rate and local factors are analysed.
- 04
Report & review
The report is prepared in the required bank or independent format, then checked before signing.
- 05
Delivery
The signed report with fair market, realisable and distress values (as applicable) is delivered to the bank or client.
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. View all empanelments
Mortgage & Loan Security Valuation — FAQs
What values does a bank mortgage valuation report contain?
A bank valuation report normally states the fair market value, the realisable value and the distress (forced-sale) value of the property, along with the government guideline (circle) rate, so the lender can decide the eligible loan amount and margin.
Who appoints the valuer for a home loan — the bank or the borrower?
The bank or housing finance company assigns the valuation to a valuer on its approved panel. V.N.V Engineers is empanelled with Punjab National Bank, Indian Bank, Canara Bank, Uttar Pradesh Gramin Bank, City Union Bank, AU Small Finance Bank and several housing finance companies.
Is a site visit required for a mortgage valuation?
Yes. Every mortgage valuation includes a physical inspection of the property, measurement, photographs and verification of boundaries and construction against the approved plan and title documents.
Need a mortgage & loan security valuation?
Tell us the property type, location and purpose — we'll confirm the scope, documents and turnaround.