Property Opinion · Powered by LexRam TSR
Legal scrutiny is the slowest step in disbursal. It is also where the liability now sits.
RBI inspections begin with the legal verification folder: is the scrutiny report present, is it signed by the panel advocate, does it predate disbursal, is the evidence trail attached.
The exposure is no longer institutional alone. Panel advocates have faced personal — and in documented cases, criminal — consequences for what a scrutiny report missed. Meanwhile, turnaround expectations have only tightened. Depth and speed have been traded against each other for years.
Property Opinion separates them.
The structure
- Full ownership chain with per-deed findings, each linked to its source document
- Encumbrance, litigation, and statutory-approval checks across documents in every Indian language
- Checks passed listed alongside findings — the file shows what was examined
- Search depth stated in years and offices searched
- Limitations stated in writing: records can be incomplete; disputes can be unregistered; the report states what the record shows
SERVICE LINES
Named deliverables, priced above or scoped in the pilot.
Screening reports
— chain trace + gap flags at volume
Full scrutiny reports
— AI Title Scrutiny Report, evidence trail attached
Due-diligence query packs
— the upload-by-query cycle; each gap names the document, the check it unlocks, and the office holding it
Document retrieval
— missing ECs and certified copies, fetched and filed into the file
Chain refresh
— re-verification to today when the record has moved
Commercial structure
| Price | |
|---|---|
| Screening report — chain trace + gap flags, at volume | ₹500 + GST per report |
| Full scrutiny report — AI Title Scrutiny Report, at volume | ₹2,000–2,500 + GST per report — against a prevailing panel fee of ~₹3,000 |
| Pilot | First 25 reports at cost — your files, your formats, your audit team's judgment |
Volume tiers and API/batch integration are scoped in the pilot. The objective of the pilot is not adoption; it is your audit function attempting to find a gap.
FAQ
What does the engine not do?
It does not exercise judgment, and it does not sign. Records can be incomplete and disputes unregistered; every report states its limitations in writing rather than implying a guarantee.
We have an existing LSR format. Can you match it?
Formats are configured in the pilot. The underlying content — chain, findings, evidence, limitations — remains constant.
It's the property check where you see everything it checked. Powered by the LexRam TSR engine.