Faster sanctions. Stronger collateral.

Property values, valuer QC and the full workflow – in the blink of AI.

valzy.in

Demo: a banker types a property description, Valzy checks comparables, the guideline rate and location, then shows the fair market, realisable and distress values and checks the valuer's report against them.

property data points from across India
10M+ property data points from across India
cities and towns covered
300+ cities and towns covered
AI engines checking every value independently
5 AI engines checking every value independently
workflow from request to final report
1 workflow from request to final report

Valuation today

A valuation, passed hand to hand.

This is what one collateral valuation looks like across branch, agency, valuer and credit today.

Every hand-off costs you time, quality, business and risk.

  • TAT

    Turnaround stretches into weeks

    Every hand-off between branch, agency, valuer and credit waits on a call, a courier or a reply-all. Days pass before anyone sees a value.

  • FTR

    Reports come back for rework

    Missing pages, mismatched survey numbers and copy-paste errors send reports back. First-time-right suffers and every query restarts the clock.

  • Sanctions

    Good borrowers go elsewhere

    While the valuation sits in a queue, a faster lender issues the sanction letter. Pipelines leak at the step borrowers cannot see.

  • NPA

    Collateral risk stays hidden

    A single unchecked figure becomes the security behind the loan. Overvaluation surfaces only at recovery, when the shortfall is already a loss.

See how Valzy puts it in one place

Every loan against property, secured by a value you can defend.

Source faster, sanction with confidence and keep every collateral decision audit-ready, from first enquiry to final report.

More leads at origination

Give borrowers a property value upfront.

Put an instant valuation on your website, app or branch tablet. Borrowers see what their property is worth and how much they could borrow, so more enquiries become applications.

  • Instant value from a plain-words description or a map pin
  • Indicative loan amount at your LTV norms
  • Every enquiry captured as a lead in your workflow

A Arcadia Bank · Home loans

What is your property worth?

2 BHK, 1,150 sq ft, Hinjewadi Phase 1, Pune

Estimated value

₹88 L – ₹96 L

You could borrow up to ₹72 L
Apply for a home loan

QC every valuation

Every valuation independently verified before sanction.

Each valuer's report is benchmarked against an independent AI value and live market comparables. Variances beyond your tolerance are flagged with reasons, so credit can act before sanction, not after the account turns stressed.

  • Variance to the AI benchmark on every report
  • Comparables with photo, address and adjustments
  • Guideline (SR) rate as a floor under the value

Valuer's report

₹1.20 Cr

LTV 75%

Valzy AI benchmark

₹1.02 Cr

Range ₹0.95–1.08 Cr

AI range Valuer +18%
Valuer 18% above benchmark. Re-check before sanction.

Comparables used

  • Same project · 3 BHK, 1,420 sq ft ₹7,050/sq ft
  • 350 m · 3 BHK, 1,510 sq ft ₹6,880/sq ft
  • 600 m · 3 BHK, 1,390 sq ft ₹7,120/sq ft

One workflow

Run your entire valuation desk on one platform.

From order to valuer payment, every step follows your credit policy, is tracked against SLA and stays on record for audit.

Every pending approval, open order and SLA at a glance.

  • Action queue, longest waiting first
  • Pipeline by stage: approval, valuers, lawyers
  • Pipeline value, turnaround and vendor FTR

Value in minutes

A few words in. A defensible value out.

Comparables, guideline rates and location intelligence combined into one value, with every step and reason on record.

  1. 01

    Describe

    Type the property in plain words or drop the sale deed. AI reads type, BHK, area, floor, age and PIN.

  2. 02

    Locate

    Valzy finds it on the map and recognises the project. The banker confirms the pin.

  3. 03

    Analyse

    Comparables, guideline rate and location intelligence run in parallel.

  4. 04

    Adjust

    Suggested adjustments for floor, age and amenities, each with its reason.

  5. 05

    Value

    Fair market, realisable and distress value, with pros, cons and risk flags.

Market comparables

Same project first, outliers removed, asking price adjusted to deal price

Guideline (SR) rate

Map pin to survey number to sub-registrar office to rate

Location intelligence

Night lights, roads, building density, water bodies and amenities

Document AI

Sale deeds read for you, not retyped.

Drop in the property papers, scanned or photographed, stamps and all. India-tuned OCR and AI pull out the facts your credit team needs and place them in the valuation, ready for review.

  • Reads scanned PDFs and phone photos of property papers
  • Captures parties, survey and khata numbers, area, boundaries and registration details
  • Facts land in the report with no retyping, so reviewers check instead of key in
Sale deedSale agreementEncumbrance certificateKhata

Sample document. Extracted facts go into the valuation for review.

10M+ data points

Property data from across India, not just the metros.

Over 10 million market data points from 300+ cities and towns, including more than 15 lakh from tier-2 and tier-3 cities, where valuations are hardest to check.

Delhi NCRMumbaiBengaluruPuneHyderabadKolkataChennaiAhmedabadLucknowJaipurChandigarh

Data points by city (in lakh)

  • Delhi NCR 23.9
  • Mumbai 18.7
  • Bengaluru 16.1
  • Pune 12.5
  • Hyderabad 8.7
  • Kolkata 3.8
  • Chennai 3.4
  • Ahmedabad 3.3
  • 250+ others 15.5

Bubble size shows data points. Dots mark tier-2 and tier-3 cities.

Intelligent allocation engine

Like Uber, but for property valuations.

Every new request is matched to the best empanelled valuer in seconds, the way a ride finds the nearest driver. No phone calls, spreadsheets or files sitting in a queue, so the TAT clock starts working for you from the first minute.

  • 1 Distance to the property

    Nearest valuers first, so site visits happen the same day.

  • 2 Live workload

    Orders go to valuers with capacity, not to whoever answers the phone.

  • 3 Expertise and track record

    Ranked by property type, locality, past TAT and QC variance.

  • 4 Your rules

    Empanelment, rotation and caps per valuer are always respected.

Manual allocation Hours
Valzy engine Seconds
Site visit booked for today, 4:30 pm
RISKAM
RI

R. Iyer

2.1 km away

2 active orders

97% match Assigned
SK

S. Khan

3.4 km away

4 active orders

88% match
AM

A. Mehta

2.8 km away

5 active orders

81% match

Sample allocation. Weights and rules are set by your credit team.

FAQ

Questions lenders ask about Valzy

What is Valzy?

Valzy is an AI property valuation and valuation management platform for Indian lenders. Banks, NBFCs and housing finance companies use it to give borrowers a property value upfront, independently check every valuer's report before sanction, and run valuations from request to final report in one workflow.

How does Valzy value a property?

Describe the property in plain words or upload the sale deed. Valzy locates it on the map, then runs market comparables, the guideline (SR) rate and location intelligence in parallel. It suggests adjustments for floor, age and amenities, each with its reason, and returns a fair market, realisable and distress value with risk flags.

How does Valzy check valuation reports from empanelled valuers?

Each valuer's report is benchmarked against an independent AI value and live market comparables. Variances beyond your tolerance are flagged with reasons, so credit teams can act before sanction rather than after an account turns stressed.

What data does Valzy use?

Valzy draws on more than 10 million property data points covering 300+ cities and towns across India, including metros and tier-2 and tier-3 markets. It combines market comparables, sub-registrar guideline (SR) rates and location signals such as roads, building density, water bodies and amenities.

Can Valzy read property documents such as sale deeds?

Yes. Document AI reads scanned PDFs and phone photos of sale deeds, sale agreements, encumbrance certificates and khata documents. It captures parties, survey and khata numbers, area, boundaries and registration details and places them in the valuation for review.

Does Valzy integrate with our loan origination system?

Yes. Valzy connects to your LOS through APIs and can be deployed on-premise or in a private cloud in India, with two-step login, a full audit log and VAPT testing.

How can a lender evaluate Valzy?

Start with a back-test: Valzy runs on 100 of your sanctioned files and shows its variance against your valuers' reports, with no integration or process change. Book a free demo to begin.

Every property. Every value. Every reason on record.

Start with a back-test: we run Valzy on 100 of your sanctioned files and show you our variance against your valuers' reports. No integration, no process change.

Book a free demo
  • APIs into your LOS
  • On-prem or private cloud in India
  • Two-step login and full audit log
  • VAPT tested