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LegiScore legiscore.in

The credit bureau for property.

A CIBIL-style score for property. AAA to C out of 1000, with the record behind every point.

Book a demoSee the grade scale
Turnaround
15 minutes
Model
29 risk checks, 5 pillars
Coverage
Live in 14 Indian states

The scale

Five bands a credit committee can defend.

India’s property risk standard. One grade carries the whole file.

Lowest title riskHighest title riskLowest to highest title risk
AAAPristine

Records reconcile end to end. Nothing outstanding on the file.

AASafe

Clean title. Minor items noted, none of them blocking.

AModerate

Sound title with routine conditions to satisfy before disbursal.

BBBHigh risk

Material exceptions on record. Credit review before sanction.

CCritical

Findings that put the security interest at risk.

Under the grade

29 risk checks across five pillars.

No single black-box number. Each check is computed on its own, then rolled up.

1000pt
Headline score
Risk checks
29
Pillars
5
Scale
AAA to C
Report
15 min

Every point decomposes into the check that produced it, and every check opens into the record underneath.

  1. P1

    Ownership History

    Who has owned it, in an unbroken line, and whether every transfer sits on record.

    • 7/12 Extract
    • Jamabandi
    • Khatauni
    • Property Card
    • BHU-Abhilekh
  2. P2

    Loans & Charges

    Mortgages, attachments and arrears still subsisting against the property.

    • Encumbrance certificate
    • Prohibitory orders
    • Tax records
    • Sub-registrar office
  3. P3

    Court Cases

    What civil and revenue courts already hold against the property or its owner.

    • Court search, 700+ courts
    • District and high courts
    • Lis pendens
  4. P4

    Approvals & Permits

    The registrations and sanctions a transfer has to survive.

    • RERA
    • Municipal bodies, 100+
  5. P5

    Market Conditions

    Registered value read against guideline value, and the market the asset sits in.

    • Guideline value
    • Index II

How it runs

Address in. Bank-ready report out.

Five stages, run in parallel where they can be. Exceptions surface, they never hide.

  1. 01

    Address in

    A survey number, an address or the document set.

    One input
  2. 02

    Records pulled

    EC, 7/12 extract, Index II, Jamabandi. Vernacular OCR normalises the scans.

    70+ searches
  3. 03

    Chain walked

    Every transfer becomes a node, and every link is checked whole.

    30-year trace
  4. 04

    Courts scanned

    Suits, lis pendens and attachments across 700+ courts.

    100+ searches
  5. 05

    Report out

    Grade, score, exceptions, and the record behind each line.

    15 minutes

Coverage

14 Indian states live

New states are added on a rolling basis.

DPDPSOC 2 alignedISO 27001 alignedGDPR: DPA available
Government searches70+
Courts covered700+
Parallel court searches100+
Turnaround15 to 30 minutes
Data residencyIndia
EncryptionIn transit and at rest

Demo requestLegiScore by LawyerDesk Advocacy

Bring a property. See its grade.

We run a real asset of yours live, in the 15 minutes it takes.

Book a demoSee the security posture