Bank Loan and Mortgage Valuation Reports
Your bank has asked for a valuation report before it will release your loan. We prepare it in the bank's own format, with a site visit, usually within 48 to 72 hours.
- Working since 1995
- Government approved valuer
- ISO 9001 certified
- Reports in 48 to 72 hours
- Trusted by 800 plus chartered accountants, CPAs and lawyers
Why the bank wants this
The bank is lending you money against your property. If you cannot repay, the property is what they fall back on. So before they lend, they want an independent person to confirm what it is really worth.
They will not accept your estimate, and they will not accept the price a broker mentioned. It has to come from a valuer, in their format.
The two numbers in a bank report
A bank valuation contains two figures, and the difference confuses people.
- Market value. What the property would fetch in a normal sale, with a willing buyer and enough time.
- Forced sale value. What it would fetch if it had to be sold quickly. This is always lower, often noticeably.
Your loan amount is normally worked out from the lower figure. That is deliberate. The bank is protecting itself against a bad day, not predicting a good one.
Why bank valuations feel low
Almost everyone thinks their property is worth more than the bank report says. Often they are right about the market, and the report is still correct.
A bank valuation is conservative on purpose. It ignores the best case. It does not count improvements that were built without approval. It leans on documented evidence rather than what the neighbour is asking for his flat.
The same property can honestly carry a higher figure in a sale valuation and a lower one in a bank valuation, because they answer different questions. We explain this properly here.
Loans we prepare reports for
- Home loans, for a purchase or for construction
- Loan against property, where you borrow against something you already own
- Mortgage and top up loans
- Business loans backed by commercial or industrial property
- Revaluation, where the bank wants a fresh figure on an existing loan
What we need from you
- The sale deed or title papers
- The approved building plan, if there is one
- Property tax receipts
- The bank's format, if they have given you one. If not, tell us the bank's name and we will use theirs.
- Access to the property for the inspection
If your construction does not match the sanctioned plan
This comes up constantly. An extra room at the back, a covered terrace, a floor added later. It does not stop the valuation. We record what actually exists and note clearly what was and was not part of the approved plan. Banks expect this and would rather see it stated plainly than hidden.
Questions people ask us
- How fast can you do it? My sanction is waiting.
Normally 48 to 72 hours from the site visit, and we can often inspect the same day or the next day within Delhi. Tell us it is urgent and we will treat it that way.
- Is your firm on my bank's panel?
We are empanelled with several banks and finance companies. Tell us which bank and we will confirm immediately, before you pay anything.
- The bank valued it lower than I expected. Can you redo it higher?
We cannot inflate a figure, and you would not want a report that could be challenged. What we can do is check whether anything was missed, such as an area not measured or an improvement not counted. If there is a genuine error, that is worth raising with the bank.
- Do I need to be there for the inspection?
Someone needs to open the property. It does not have to be you.
- Can you value a property that is still under construction?
Yes. We record the stage of construction and value accordingly. Banks release money in stages against exactly this kind of report.
Checked by Parish Rao, Chartered Engineer and Government Approved Valuer.
Page last checked on 23 August 2026.
If the property is in Delhi, see our Delhi page.
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