botminds.aiRequest a demo
WorkflowMortgage & HELOC

Loan Against Property

Title chain, legal and technical reports and income read together, so LAP files reach sanction in days.

Book a demoMore in Mortgage & HELOC
Film coming soonSee it working, liveWe’ll walk you through Loan Against Property on your own documents.
Book a demo
WorkflowDocuments in; a checked, signed result out.
6specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

LAP files carry decades of title deeds, encumbrance certificates, legal and valuation reports and self-employed income; credit teams read them all by hand and charges are filed late.

What it does

How the solution handles it

Agents read the deeds and encumbrance certificate into a title chain, cross-check the legal and technical reports and assess income from ITRs, GST returns and bank statements. A tracker watches the CERSAI filing. The credit manager sanctions the loan.

How it works

How a LAP file moves

Six specialist agents read the deeds, build the title chain, cross-check reports, assess income, track CERSAI and draft the note; a credit manager sanctions.

What comes in
Property file in5 kinds of record · deeds, EC, reports, income, tax
Agents at work
Property document readerdeeds, EC, tax
Then
Title chain builderowner to owner
Legal-technical checkerreport vs report
Income assessorITR, GST, bank
Then
CERSAI trackerfiled within 30 days
Then
Sanction note writerevery fact cited
A person decides
Credit managersanctions the loan
What comes out
Sanction note
Title chain
CERSAI filed
In and out

What it reads, and what it hands back.

What goes in

  • Sale deeds and title chain
  • Encumbrance certificate
  • Legal scrutiny and technical valuation reports
  • ITRs, GST returns, bank statements
  • Property tax and approved plan

What comes out

  • Cited sanction note
  • Title-chain summary with gaps
  • Legal vs technical mismatches
  • CERSAI and charge-filing tracker

Who uses it

CMCredit managersLALegal and technical teamsBSBranch sales managersOOperations
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
2days
from complete file to a cited sanction note
By hand2–3 weeks
With agents≈ 2 days
target
Day 5
CERSAI filing watched against the 30-day window
Filed by day 5
of the 30-day window
estimated
2×
LAP files per credit manager, with the same team
TodayWith agents

Source: SARFAESI Act s.23 and CERSAI Rules 2011, r.5 (30-day filing) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration

Built on the engine

6 specialist agents. One person decides.

Property document readerdeeds, EC, tax and plan, with page
Title chain builderevery transfer, gaps flagged
Legal-technical checkerarea, address, owner must agree
Income assessorITR, GST and bank inflows
CERSAI trackercharge filed within 30 days
Sanction note writercited note for the credit manager
Credit managersanctions the loan
Mortgage & HELOC

More in this division.

All 8 solutions →
Loan File Review

A full loan package classified, split, extracted and bookmarked, every field cited to its page.

Income Calculation

Wage, self-employed and rental income calculated to agency rules, every figure traced to its page.

Condition Clearing

Every PTD and PTF condition matched to the document that clears it, the same day it arrives.

Build this
for your team.

We’ll show Loan Against Property running on your own documents.

Book a demoBrowse solutions