Mortgage verification, simplified & secure.
BUMI is the digital infrastructure that connects banks with their own empanelled advocates and valuers. Manage panels, generate and eSign legal and valuation reports, and approve property loans, all in one secure platform.
Property-loan verification is slow, scattered & risky.
Legal scrutiny and valuation still run on phone calls, emails, couriered files and hand typed reports, with no single source of truth.
The problem
- Lengthy turnaround times across disconnected parties
- Fragmented communication across calls, email, WhatsApp and courier
- Verification errors & risk of valuation forgery
- No central MIS, no TAT tracking, weak audit trail
The solution
- One platform connecting bank, advocate and valuer, with bank SSO
- Standardized digital report builder, generated and eSigned
- In-house geo verification app that stops valuation fraud
- Query management, TAT tracking, panel metrics and live dashboards
You bring the panel. BUMI connects everyone.
Banks and NBFCs onboard their own empanelled advocates and valuers and manage them end-to-end through a single MIS.
Bank / NBFC
Initiate property loan cases, upload documents, assign panel advocates and valuers, track TAT and approve, all digitally.
Empanelled Advocate
Review documents and complete the Legal Scrutiny covering title, chain, encumbrance and compliance on standardized digital forms.
Empanelled Valuer
Conduct GPS verified site visits via the field app and submit valuation with geotagged photos and market analysis.
Two standardized, e-signed verification reports.
Every case produces audit ready documents, generated inside the platform, digitally signed by the professional and stamped under BUMI.
Legal Scrutiny Report
- Schedule of property: classification, location, survey number, extent and boundaries
- Title integrity validation & chain of title
- Mortgage liability search across Encumbrance Certificate and CERSAI
- Legal compliance checklist and SARFAESI enforceability
- Final legal opinion on marketable title
Valuation Report
- Property identification with GPS latitude, longitude and geotagged site photos
- Plot and built up area, FSI checks and building specifications
- Three methods: Guideline, Prevailing Market and Distress value
- Govt guideline lookup with EB, TANGEDCO and map attachments
- Valuer declaration and final market value
From case initiation to approval in four steps.
Initiate
The bank creates a loan case, uploads documents and assigns advocates & valuers from its panel.
Verify
Advocate runs legal scrutiny while the valuer completes a GPS verified site visit, both digitally and in parallel.
Collaborate
Queries, follow ups and reports are managed in the app, fully encrypted and activity logged.
Approve
The bank reviews the eSigned reports, approves and shares the final loan decision, all digitally.
Everything the verification workflow needs.
Purpose built for regulated mortgage operations that are secure, auditable and scalable.
Centralized Report Builder
Standardized digital legal and valuation forms that generate consistent, error free reports every time.
Query Management System
Raise, route and resolve queries with advocates, valuers and stakeholders on each case, with full threaded history.
TAT Management
Set, track and enforce turnaround times at every stage, with SLA timers and automatic alerts.
Panel Management & Metrics
Onboard your empanelled advocates and valuers, then measure, manage and collaborate using performance metrics.
In-house Geo Verification App
Our own geo tagging app for valuers captures live, location stamped site evidence that stops valuation fraud.
SSO Integration
Plug directly into your bank or NBFC single sign on for secure, seamless access with no new credentials.
Secure Collaboration & eSign
Internal chat, document sharing and legally binding eSignatures on every report.
Audit & Compliance
Immutable activity logs, role based access and RBI compliant data localization in India data centres.
Live Dashboards
Complete status for every case with management analytics on volume, TAT and panel performance.
Valuation, verified on the ground.
Our own geo tagging application for empanelled valuers captures tamper proof, location stamped evidence directly from the property site, putting an end to valuation fraud.
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GPS verified site capture
Latitude & longitude recorded at the property, with TNGIS map integration.
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Tamper proof geotagged photos
Captured live on site and authenticated, so they cannot be faked or reused.
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Stops valuation fraud
Every valuation is backed by verifiable, location stamped site evidence.
Faster approvals. Lower risk. Better experience.
Book a demo
See how BUMI connects your bank with its empanelled advocates and valuers and delivers rapid, error free and audit ready approvals.