Institution workspace
Institution
- Create and assign cases
- Manage panel professionals
- Track queries and turnaround
- Review professional reports
- Maintain case-level oversight
Mortgage verification infrastructure
Bring legal scrutiny and valuation into one controlled mortgage workflow.
BUMI gives banks, NBFCs and HFCs one operating layer to assign work to their existing panel, track progress, resolve queries and review structured legal and valuation reports.
Mortgage verification case · HL-002148
Property Verification
Ready for bank review
Legal scrutiny
Panel Advocate
Completed ✓
Title chainReviewed
EncumbranceRecorded
Compliance checklistCompleted
ReportSigned ✓
Valuation
Panel Valuer
Completed ✓
Site visitVerified
Geo evidenceCaptured
Boundary checkCompleted
ReportSigned ✓
Case output
Legal and valuation reports
2 reports
Legal Scrutiny ReportAdvocate
Title integrityStatus
Chain of titleReviewed
Mortgage liabilityRecorded
Final opinionSigned
⌖
11.0561° N · 79.4672° E
Field evidence attached to valuation case
Recognised & backed by
The operating problem
When property verification sits outside the lending system, control breaks down.
Legal scrutiny and valuation depend on different professionals, documents and field activity. When those interactions happen across disconnected channels, lenders lose visibility into progress, exceptions and turnaround time.
01
Disconnected communicationCase updates move across calls, email, messaging and manual follow-up.
02
Inconsistent report preparationDifferent formats make review, comparison and governance harder.
03
Limited operational visibilityTeams struggle to see where a case is held up, by whom, and for how long.
Fragmented operating model
Email
Calls
Messaging
Spreadsheets
Lender
Advocate
Valuer
Consolidate the operating process↓
BUMI
One case record · connected processes · professional reports
One case record · connected processes · professional reports
Legal scrutinyField valuationQueriesTAT visibilityLender review
Institution-led model
Keep your panel. Bring every case into one controlled process.
Advocates and valuers continue to perform their professional responsibilities. BUMI gives the lender one controlled environment for assignment, queries, progress tracking and report review.
Professional workspace
Empanelled Advocate
- Review title documents
- Record chain of title
- Capture encumbrance findings
- Complete legal controls
- Issue the legal opinion
Field + professional workspace
Empanelled Valuer
- Accept valuation cases
- Capture location-linked evidence
- Record measurements and checks
- Prepare valuation calculations
- Issue the valuation report
Structured outputs
Two professional reports. One consistent review experience.
Legal opinions remain with the advocate. Property valuations remain with the valuer. BUMI structures how information is captured and presented for lender review.
Report 01
Legal Scrutiny Report
Prepared by the empanelled advocate.
Legal Scrutiny ReportSample view
Chain of title
1983
Partition deed
→
Partition deed
2004
Legal heirship
→
Legal heirship
2013
Sale deed
→
Sale deed
2024
Patta transfer
Patta transfer
Title integrity validationRecorded ✓
Mortgage liability searchRecorded ✓
Legal compliance checklistCompleted ✓
Final legal opinionAdvocate
Property schedule & boundaries
Title integrity validation
Chain of title
EC / mortgage liability
Compliance controls
Final legal opinion
Report 02
Valuation Report
Prepared by the empanelled valuer.
Valuation ReportSample view
Property identifiedYes ✓
Boundary matchYes ✓
Geo coordinatesCaptured
Site evidenceAttached
Guideline valueRecorded
Market valueRecorded
Site visit → property checks → valuation inputs → professional report
Property identification
GPS & site evidence
Plot / built-up details
Guideline valuation
Market valuation
Distress valuation
Case lifecycle
Every case follows a visible path from assignment to review.
Legal scrutiny and valuation can move in parallel, while operations teams can see progress, queries and pending actions from one place.
01
Initiate
Create the property-verification case and attach required documents.
02
Assign
Route the case to advocates and valuers from the institution’s panel.
03
Verify
Legal scrutiny and field valuation progress through their respective professional processes.
04
Resolve
Raise and close queries against the relevant case and professional.
05
Issue
Advocate and valuer complete their respective professional reports.
06
Review
The lender reviews outputs with the complete case history in one place.
BUMI · Field Verification
Location captured ✓
Evidence attached to valuation case
Evidence attached to valuation case
Coordinates11.0561° N, 79.4672° E
Boundary checkCompleted
Land measurementRecorded
Site photographsAttached
Field verification
Field evidence should travel with the valuation case.
Location data, site photographs, measurements and property observations stay connected to the same valuation record, giving reviewers context without chasing separate evidence.
Location-linked captureLatitude and longitude are recorded against the valuation visit.
Case-linked site evidenceSite photographs and field inputs stay connected to the relevant case.
Property checksMeasurements, boundaries and property observations feed the valuation workflow.
Operational governance
Operational visibility without changing professional responsibility.
The lender can govern assignments, turnaround, documents and access while advocates and valuers remain accountable for their professional outputs.
Case governance
Case & TAT visibility
Track stage, owner, pending action and turnaround across legal scrutiny, valuation, queries and review.
Panel governance
Panel management
Manage institution-empanelled advocates and valuers, assignments and case participation from one environment.
Information governance
Documents & queries
Keep supporting records, clarifications, findings and professional outputs linked to the relevant case.
Access & auditability
Roles & activity history
Separate user responsibilities and retain visibility into key case actions and report progress.
Enterprise architecture
Fit BUMI into the lending stack, not around it.
BUMI is designed as an integration layer between the lender’s operating environment, professional users and property-verification processes.
Bank / NBFC / HFC · Lending environment
↕
BUMI
Case workflow
Panel management
Query management
Report engine
TAT visibility
Activity history
↕
Empanelled Advocate
Empanelled Valuer + Field App
Institution-controlled accessRoles and permissions can be aligned to lender, advocate and valuer responsibilities.
Institutional integrationDesigned for API, authentication and enterprise-system integration patterns.
Report infrastructureLegal and valuation data is captured through defined report structures for lender review.
Institutional demo
See BUMI on your own mortgage verification workflow.
Walk through a complete mortgage-verification case across assignment, legal scrutiny, field valuation, queries, reports and lender review.
Review the end-to-end case flow
See legal, valuation and field-verification processes
Discuss pilot scope and institutional integration