ancillary document

Valuation Report

Also called: Valuer's report, Bank valuation

An empanelled valuer's assessment of the property's market value — typically for bank loan / insurance.

What it is

When a buyer takes a home loan, the bank's empanelled valuer inspects the property and issues a valuation report stating the fair market value, government guidance value, and distress (forced-sale) value.

Who issues it

IBBI-registered valuers / bank's empanelled valuers.

Where to obtain

Commissioned by the bank during loan processing.

Validity

Typically 3–6 months from issue.

What to check

Valuer's IBBI registration / empanelment
Inspection date and methodology
Fair market value vs government guidance value
Distress sale value (typically 80–85% of FMV)
Comparable sales used for valuation

Common red flags on a Valuation Report

Valuation materially exceeds guidance value (over-valuation by inflated comparables)
Valuer hasn't inspected the property in person
Distress value matches FMV (no margin for risk)

How PropertyRisk handles Valuation Report

PropertyRisk extracts every field from your uploaded Valuation Report using multilingual OCR (English, Kannada, Hindi, Tamil, Telugu) and a Karnataka-specific schema for this document type. Each finding cites the exact page and clause it came from in the original document.

On every case where this document is uploaded, PropertyRisk reconciles its contents against the rest of the document chain — sale deeds, RTC, mutation extracts, khata — and against live government portal records to surface inconsistencies a non-expert would miss.

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