Legal ReportStudio

For banks & NBFCs

A decision-ready property risk grade on every loan file.

One case covers the title chain, encumbrance review, pan-India litigation and criminal-record checks, live land records and ULPIN — returned as an advocate-signed opinion and an AAA-C grade your credit system can read.

Explore bank integration See a sample reportTalk to the team

Intake that fits your process

Push cases from the loan origination system over REST, or simply forward the banker’s email with applicant, branch, loan account and property details. No middleware to install.

Decision-ready output

An AAA-C risk grade with reason codes, plus the full title opinion, chain of title, encumbrance review and pending requirements in one lender-ready document.

Advocate sign-off and audit trail

Every chain-of-title event is confirmed by an advocate. Allocation, analyst queries, field-search exceptions and delivery stay on record for audit and TAT review.

Callbacks into your stack

Webhooks fire on case milestones with the risk grade and ULPIN attached, so the credit file updates itself while the team keeps working in email.

What the AAA-C grade means

The grade is a composite of the title chain, litigation exposure and land-record verification. It travels with the case over API and webhook, so branches and credit teams read the same signal.

AAA / AA

Low risk

Clean chain, no material litigation, records verified. Proceed on standard terms.

A / BBB

Watch

Minor gaps or documentation pending. Sanction with conditions and a re-check.

BB / B

Medium risk

Chain break, unresolved encumbrance or live litigation touching the asset or owner.

C

High risk

Material adverse findings. Escalate to legal before the credit decision.

Everything a lender needs on one file

Legal verification, court exposure, land records, asset identity, decisioning and integration — covered in a single engagement instead of four separate vendors.

Title & documents

  • Chain of title reconstructed from the deed set
  • Encumbrance certificate review
  • Sale, parent, gift and partition deed checks
  • Mutation and revenue-record cross-check
  • Pending-requirement list for the branch

Litigation & criminal exposure

  • Pan-India eCourts search across states and districts
  • Supreme Court, High Courts, district and taluka courts
  • Search by owner, seller, borrower or property locality
  • Counsel-name and geography noise filtered out
  • Case-type glossary attached to every result

Land records & asset identity

  • Live state land-record portals where available
  • Karnataka, Madhya Pradesh, Gujarat, Uttarakhand and UP Bhulekh
  • ULPIN / Bhu-Aadhaar capture and validation
  • Village, khasra and survey-number level lookup
  • Field search receipts from SROs where ordered

Decisioning

  • AAA-C composite property risk grade
  • Separate title, litigation and records components
  • Reason codes behind every grade
  • Advocate-confirmed findings, not raw model output
  • Consistent grading across branches and vendors

Integration

  • REST API for case create, document upload and report pull
  • Webhook callbacks on every milestone
  • Email intake with your external reference preserved
  • LOS-ready JSON payload with grade and ULPIN
  • Sandbox keys and published API documentation

Governance & delivery

  • Word and PDF on letterhead for the credit file
  • Full audit trail of allocation, queries and delivery
  • TAT tracking per case and per branch
  • Role-based access for operations and reviewers
  • GST invoicing with lender and loan-account detail

Need to validate the evidence before the lender review? Start with the property document verification guide or the full title-search workflow.

Verify documentsRead resources

A practical case flow

  1. 1

    Create the case

    Send external reference, applicant, loan account, branch, state and property details.

  2. 2

    Attach the evidence

    Add sale deeds, parent deeds, EC, mutation records, bank documents or later SRO receipts.

  3. 3

    Review and resolve

    Operations allocates the file; analysts review the chain and raise queries when something is missing.

  4. 4

    Deliver and reconcile

    Download the final report, receive the status callback and retain the case history for audit.

Questions lenders ask

Do we have to change our loan origination system?
No. You can push cases over our REST API, or simply forward the banker's email with the property documents. Both routes create the same case and return the same report.
Is the report advocate-signed or machine-generated?
Both. Our engine drafts the title opinion and computes the risk grade; an advocate reviews and confirms the chain of title before the report is delivered on letterhead.
Which searches are included in one case?
Chain of title and document review, encumbrance review, pan-India litigation and criminal-record checks through eCourts, and live land-record verification in the states we support.
How do we receive the outcome?
Word and PDF on letterhead for the credit file, plus a machine-readable payload with the AAA-C risk grade and reason codes over API or webhook callback.

Start with one branch, one pincode or one product line. Pricing is per delivered report — no licence and no seat fees.

Read the API docsSee pricingTalk to the team