Bank Loan Valuation in Rohini
Rohini lends well because there is plenty of comparable evidence, but the question a lender always comes back to here is leasehold. Whether the plot has been converted to freehold changes both the valuation and how quickly the file moves.
Leasehold, freehold and what the bank is really asking
A great deal of land in Rohini was allotted by the authority on a leasehold basis. Conversion to freehold is routine, but it is not automatic, and a bank looks at the position before it lends.
An unconverted leasehold plot is not unlendable. It does mean the lender wants the conversion status stated plainly, and it can affect the margin they are willing to offer. We record the position as we find it in the papers rather than assuming.
Three floors, three owners, one plot
Most original Rohini plots now carry three or four separately owned floors. That is the single most important thing about valuing here, because you are rarely valuing a whole property.
The undivided land share attaching to your floor has to be established from the documents, not estimated. Get that wrong and the figure is wrong by a wide margin, in either direction. Ground floors with parking and independent access consistently sell above middle floors, and the report has to reflect the specific floor being financed.
Sector position inside Rohini
Rohini is large enough that treating it as one market produces a misleading number. Sector position and distance from the metro create real differences in the sale evidence.
Category D applies across the colony under the circle rate schedule, which is exactly why the notified figure cannot do the work here. Two properties in the same band, several sectors apart, do not fetch the same money.
Documents that come up in North West Delhi files
The allotment and conversion papers, the sanctioned plan where the floors were built after the original construction, and the mutation record showing the current owner. Registration for a North West Delhi property is handled by the sub registrar office for that district.
Where floors were added without a sanctioned plan, we say so in the report. Lenders would much rather read that than discover it later.
Questions we get in Rohini
- Our plot is still leasehold. Will the bank refuse?
Generally no, but it will want the position documented and it may lend at a lower margin. Conversion is a known process and many owners complete it during the loan application. We state the position as the papers show it on the date of the report.
- We own only the second floor. What exactly is being valued?
Your floor plus its undivided share of the land beneath it. We establish that share from the documents and show the land and structure separately, so you and the lender can both see how the total was reached.
- Does the fourth floor value less?
Usually, and lift availability is the reason. A top floor without a lift has a smaller buyer pool, which shows up in the forced sale value a bank works from. Terrace rights, if properly documented, pull the other way.
- Is a Rohini valuation quicker than elsewhere?
Often, because comparable evidence is easy to find. The inspection is the same day either way, and the signed report follows in the usual turnaround.
Checked by Parish Rao, Chartered Engineer and Government Approved Valuer (Registration number CAT-I/443/117/2000-01).
Page last checked on 7 October 2026.