Safeguard Your Indian Real Estate Capital Before You Sign or Transfer Funds.
Independent, Lender-Grade Property Title Diligence, Builder Contract Redlining, and Encumbrance Audits for Global NRIs and High-Value Investors.
Executive Verdict
- Occupancy CertificateNot produced
- Delay-interest asymmetryDefect
- Forfeiture above 10%Defect
- Chain of title, 2006–2019Verified
Illustrative specimen · not a real client file
Four defects that cost overseas buyers their capital.
Brokers and builders hand you a checklist. None of them is answerable if the title fails. These are the defects we find most often in files sent from abroad, and none is visible from a brochure or a site visit.
Broken chain of title
A missing link deed, a sale through an unregistered power of attorney, or an heir who never signed. Any one leaves you owning a lawsuit instead of a property.
Exposure: title can be challenged years after you pay in full.
One-sided builder penalties
You pay 18% interest for a late instalment; the builder pays a token sum per square foot for a two-year delay, and can keep up to 20% if you cancel.
Exposure: forfeiture and delay losses are written into what you sign.
Missing sanctions — no OC / CC
A finished building without an Occupancy or Completion Certificate, or a layout on agricultural land never converted for residential use.
Exposure: no permanent utilities, no loan, regularisation penalties or demolition.
Concealed bank mortgages
Original title deeds deposited with a lender create a charge that may never appear in a registered document — and it follows the property to you.
Exposure: SARFAESI recovery action against the asset you just bought.
A checklist is not a legal opinion.
Start with the diagnostic to learn within 48 hours whether the deal is worth pursuing. Continue to the full search when you are ready to close, with your fee fully credited. See a full sample report.
| Feature | Standard Broker / Builder Checklist“Free” — prepared by an interested party | Start hereFinLex Property Legal Health & Contract Risk Diagnostic$499 USD · 48 hoursSee a sample report (PDF) | Full 30-Year Title Search$2,500 – $4,500 USD · less $499 credit |
|---|---|---|---|
| Who is accountable | Seller’s agent or developer | Independent FinLex analysis for you | Independent counsel acting for you |
| How documents are reviewed | —Not reviewed | ✓Automated analysis on a lender-grade method | ✓Personally by an advocate |
| Chain-of-title reconstruction | —Not performed | ✓From documents produced | ✓30 years, at the Sub-Registrar |
| Builder-Buyer Agreement redline | —No | ✓Clause matrix with counter-clauses | ✓Negotiated on your behalf |
| RERA, OC / CC & sanction audit | ~Copies listed, not tested | ✓Tested against each approval | ✓Verified with the authority |
| Encumbrance & mortgage risk | —Seller’s word | ~Risk analysis from file | ✓EC, CERSAI & court searches |
| Quantified risk score | —No | ✓FPSI 0–100 with verdict | ✓Updated after search |
| Requisition letter to seller | —No | ✓Ready to send | ✓Issued and followed up by counsel |
| Signed Advocate Title Certificate | —No | —Desk audit only | ✓Yes — lender-grade opinion |
| Consultation with counsel | —No | —Not included | ✓Through to closing |
From upload to verdict in 48 hours.
Built for clients in another time zone. You never need to be in India, and every step is handled in writing.
Upload
Send the agreement, title deeds, revenue extracts and approvals you hold, then pay securely by card.
Automated analysis
The FinLex engine reads each document and tests it against 13 weighted risk factors and three instant dealbreakers, using a methodology built on 25+ years of bank mortgage-underwriting and loan-closing diligence.
Dossier
Usually within hours, and always within 48, you receive a 12-page dossier, your FPSI score, and a requisition letter ready to send.
Decide
Follow the action plan and send the requisition letter. Proceed, renegotiate, or go ahead with the full 30-year title search, signed by an independent advocate.
- 1 · Details
- 2 · Risk profile
- 3 · Documents
- 4 · Payment