Journey • Loan Against Property

Property to payout,
disbursed in record time.

Automate legal and technical valuation, cash-flow underwriting, CERSAI charge creation, and title deed custody on one unified lending platform.

Every step connected.
Every decision visible.

  1. Faster sanction turnaround

    Cut file login to sanction time drastically with instant eKYC, automated financial spreading, and parallel legal-technical workflows.

  2. Smart collateral & LTV control

    Unify borrower cash flows, technical market valuation, clear title checks, and property-wise LTV guardrails in one guided workflow.

  3. Complete visibility

    Track every vendor valuation report, CERSAI filing, original title deed packet, and tranche disbursal across branches from one place.

From login to release,
connected at every step.

01 Borrower & Co-Applicant Onboarding

Verify individuals, co-applicants, and corporate entities in seconds with Aadhaar eKYC, CKYC lookup, PAN, Udyam/GST validation, and cross-branch deduplication.

  • AI Lead Capture
  • Loan Origination System
  • Application Management

02 Cash-Flow & Financial Assessment

Ingest consented bank statements via Account Aggregator (AA), GST returns, and ITR filings alongside digital field Personal Discussion (PD) scorecards to assess true repayment capacity.

  • AI Document Intelligence
  • KYC
  • Document Management

03 Legal Title & Technical Valuation

Assign empanelled lawyers and engineers digitally to capture Title Search Reports (TSR), 13-to-30-year encumbrance checks, geo-tagged site photos, and fair market versus distress valuations.

  • Asset Valuation
  • LTV Calculation
  • Policy Rules

04 Credit Underwriting & Scheme Structuring

Run multi-tier credit workflows to compute FOIR, DSCR, and LTV caps across residential, commercial, or industrial properties for standard EMI, Balance Transfer (BT), or Dropline Overdraft (DOD) schemes.

  • AI Credit Assessment
  • Credit Engine
  • Risk Analytics

05 Sanction, MODT & CERSAI Registration

Generate multi-language Key Facts Statements (KFS) and sanction letters, verify original property papers against the List of Documents (LOD), and automate MODT execution and CERSAI charge filing.

  • Workflow Orchestration
  • Approval Matrix
  • Digital Documentation

06 Instant Verification & Tranche Disbursal

Validate borrower or takeover-lender accounts via penny-drop, register eNACH mandates, and trigger single, multi-tranche, or BT + Top-Up payouts across RTGS/NEFT with live ledger posting.

  • Loan Management System
  • Disbursement Workflow
  • Integrations

07 Deed Vaulting, Servicing & Closure

Track barcoded title deed packets in dual-custody central vaults, manage repo-linked EBLR rate resets and part-prepayments, and automate NOC issuance, CERSAI charge satisfaction, and property release upon closure.

  • Loan Management
  • Collections & Recovery
  • Portfolio Monitoring

Everything your
loan against property operation needs.

  • Capture and organize application information with less manual effort.

  • Collect, extract and verify customer documents as part of the application workflow.

  • Route applications through configured approval rules, exceptions and documentation workflows.

  • Bring customer, financial and credit information together to assess eligibility against configured lending policies.

  • Manage active loans, repayments, collections and account activity beyond disbursement.

One connected platform
behind every step.

Built for every
lending institution.

Connect the systems you already use.

Bring the data, services and systems behind your property-backed lending operation together through a connected ecosystem.

Credit bureaus

CIBILExperianEquifaxCRIF High Mark

Banking & payments

NACH / eNACHIMPSNEFTCore Banking APIs

Frequently
asked questions

Still unsure? Our lending specialists are happy to walk through the specifics for your institution.

Talk to our team

Rewafin connects lead capture, application processing, KYC, document verification and credit assessment within a configurable origination workflow.

Ready to modernize property-backed lending?

See how Rewafin can connect your loan against property operations from application to repayment.