— Field Notes & Analysis

Valuation Knowledge, From the Site Up

Articles written from documented inspections — covering residential, commercial, under-construction, and legal-dispute valuation as Indian property law requires.

Close-up of a valuer's hands holding a steel measuring tape against a concrete boundary wall on a property site, natural morning daylight, dust and texture visible on the surface
Close-up of a valuer's hands holding a steel measuring tape against a concrete boundary wall on a property site, natural morning daylight, dust and texture visible on the surface
Wide shot of a valuer photographing a mid-construction residential building frame from ground level, scaffolding and exposed brick visible, overcast natural daylight
Wide shot of a valuer photographing a mid-construction residential building frame from ground level, scaffolding and exposed brick visible, overcast natural daylight
Overhead view of a printed valuation report spread open on a wooden desk alongside a site floor plan, natural window light from the left, a pen resting across the pages
Overhead view of a printed valuation report spread open on a wooden desk alongside a site floor plan, natural window light from the left, a pen resting across the pages
Valuer crouching at the corner of a commercial plot boundary, measuring tape extended across dry earth, urban skyline softly out of focus in the background, afternoon daylight
Valuer crouching at the corner of a commercial plot boundary, measuring tape extended across dry earth, urban skyline softly out of focus in the background, afternoon daylight

Browse by Topic

Home Loans · SARFAESI · Commercial · Land

Home Loan Valuation
Under-Construction Property

Why Your Bank's Valuation Differs from the Sale Price

Valuing Under-Construction Property: Stage-by-Stage Inspection

Sale price and loan valuation are measured differently. This article documents the four site factors — construction quality, legal encumbrances, market comparables, and depreciation — that shift the certified figure.

Lenders disburse in tranches. Each tranche requires a fresh site inspection confirming the completed stage. Here is what each inspection documents and how it maps to the disbursement schedule.

SARFAESI & Legal
Land & Commercial

SARFAESI Inspection Reports: What Banks Require and Why

Land Valuation: How Site Area, Zone, and Use Affect the Figure

SARFAESI proceedings demand an independent inspection report before a bank enforces a security. This article outlines the mandatory documentation, site-visit protocol, and the legal thresholds the report must satisfy.

Land valuations are not calculated by area alone. Zoning classification, FSI entitlement, and approach road width all move the certified value. This article walks through each factor with documented examples.

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