Valuation
Defensible valuation for sale, loan, partition, insurance and internal approvals — worked from registered comparables and the collector rate, and written so a bank or a board can act on it.
- Service:
- 05 of 08
- Accountable to:
- The advisory desk
What this covers
A method that is stated, not assumed
The report says which approach was used and why, what was assumed, and what would change the number. That is what makes it usable by a bank or a board rather than just reassuring to read.
Registered comparables, not asking prices
We work from transactions that actually completed. Asking prices on portals are an aspiration, and a valuer who uses them produces a number nobody will lend against.
Partition and family settlement
Where a property is being divided, the valuation has to be defensible to every party at once. We do this work knowing it may be read by people who disagree with each other.
Why the number may disappoint
A bank valuation answers 'what could this be sold for if we had to sell it', not 'what will someone pay'. We explain the gap up front rather than let it surprise you.
How the engagement runs
Scope and fee are agreed in writing before any work starts, and you get a short status update every week.
01
Purpose
Sale, loan, partition, insurance or internal approval — this decides the basis of value.
02
Inspection
Measured on site, with condition and legal position recorded.
03
Evidence
Registered comparables and the current circle rate for the pocket.
04
Report
Written with method, assumptions and limitations stated.
05
Support
We stand behind it if the recipient has questions.
Included as standard
- Site measurement and condition assessment
- Comparable transactions and circle rates
- Written report with method and assumptions
- Partition and family-settlement support
Who does this work
The advisory desk. A town belongs to a state and a state belongs to a desk, so the person who replies already knows the tehsil your file will be registered at.
- Mohali · main desk
- Punjab · sales@racoho.com
- Hamirpur · Himachal desk
- Himachal Pradesh · sales@racoho.com
Often taken with this
04 · Property Management
Rent collected, tenants handled, dues paid and the building watched — for a second home in Kasauli or Shimla and let-out property across the tri-city, with dated photographs after every visit.
Hand over upkeep →06 · Site Visits
For buyers outside the state: we stand in for you and send measured photographs, a video walkthrough, the road and water position, and honest neighbourhood notes the same day.
Book a visit →01 · Buying Advisory
Shortlists matched to your budget and to what the property has to do, with the jamabandi read and the title settled before you commit a rupee — Section 118 in Himachal, GMADA sanction in Punjab.
Discuss a purchase →Request a valuation
Describe the situation in two lines. We reply within a working day, with a written scope and fee before anything starts.