Certified Valuation
for Every Purpose

Who needs this: Home loan borrowers, banks, co-operative banks, housing finance companies

The most critical valuation in lending: a bank-grade certified report that determines how much a financial institution can safely lend against a property. Er. B.P. Singh applies the "Only White Money" methodology — valuing only the component recoverable in an open-market, fully white-money transaction. This protects lenders from NPA risk caused by over-valuation, and has been the basis of his advocacy for Realizable Value (Market Value minus costs of sale, publicity, and brokerage). Every report includes a physical site visit, boundary verification using a magnetic compass, and photographs.

Who needs this: Banks, Asset Reconstruction Companies (ARCs), Debt Recovery Tribunals (DRT)

Under SARFAESI Act 2002, financial institutions must obtain a fresh valuation before fixing the reserve price for sale under Rule 8(5) of the Security Interest (Enforcement) Rules 2002. This is one of the most specialised forms of valuation — requiring a clear distinction between Fair Market Value, Distress Sale Value, and Mortgage Value (white-money realizable value only). Er. B.P. Singh authored the definitive paper on this subject ("Mortgage Valuation After the Advent of SARFAESI Act, 2002", Indian Valuer, 2008) and has been quoted extensively in national media on how "symbolic possession" — not a legal term — leads banks to write off crores. He has appeared as expert valuer in Delhi High Court and DRT proceedings.

Who needs this: Non-Resident Indians (NRIs) and Overseas Citizens of India (OCIs)

Properties owned by NRIs in Delhi-NCR require certified valuation for multiple purposes: sale and capital gains computation, inheritance / succession matters, NRI home loans from Indian banks, gift deed to relatives, or repatriation of funds. A physical site visit cannot be substituted by photographs or Google Maps — the condition, boundaries, encroachments, and market micro-conditions must be assessed in person. Er. B.P. Singh’s firm is a MSME valuation service exporter with experience serving European and transnational clients; reports are prepared in a format accepted by Indian banks, FEMA authorities, and international embassies.

Who needs this: Visa applicants (USA, UK, Canada, Schengen), immigration applicants, embassy submissions

Embassies and immigration authorities require a certified government-approved property valuation as part of net worth or proof-of-funds documentation. The valuation must be on official letterhead, signed by a registered government-approved valuer, and in some cases must reference specific property details that match title documents exactly. Er. B.P. Singh is registered under the Black Money Act 2015 (Sec 77(1)) — one of the rare valuers with this specific registration — making his reports especially credible for international compliance purposes. Typically turnaround within 2–3 working days.

Who needs this: Property sellers, income tax assessees, chartered accountants, CBDT matters

When a property is sold, capital gains tax is computed on the difference between sale consideration and cost of acquisition (indexed). For properties acquired before April 2001, the "Fair Market Value as on 01.04.2001" must be certified by a registered valuer for Section 55(2)(b) of the Income Tax Act. Er. B.P. Singh is registered under Income Tax Act 1961 (Sec 132) and has been empanelled with CBDT. Reports are prepared in the format accepted by Assessing Officers and the Income Tax Appellate Tribunal. Also covers valuations for gift tax, wealth tax, and section 50C disputes.

Who needs this: High-net-worth individuals (HNIs), families dividing assets, private lenders, wealth planners

Family partitions, gift deeds, succession matters, and private lending often require a neutral, certified property valuation to establish fair value among parties. Er. B.P. Singh’s reports are prepared in a court-ready format that can be submitted to family courts, civil courts, or used as the basis for registered documents. For HNIs, the firm provides comprehensive net worth valuation covering multiple properties across Delhi-NCR, with a consolidated report suitable for private banking, estate planning, or legal proceedings.

Who needs this: Delhi High Court, Debt Recovery Tribunal (DRT), arbitration panels, divorce proceedings

Court-appointed and court-submitted valuation reports demand the highest standard of documentation, methodology disclosure, and professional independence. Er. B.P. Singh served as a valuation specialist at ITCOT Consultancy (a JV with ICICI, IDBI, IFCI) handling valuations for the Honourable High Court of Delhi, and has appeared as expert witness (PW-20) in CBI cases involving property valuation. His reports include full methodology statements — comparable transactions, income capitalisation or cost approach as applicable — and are structured to withstand cross-examination by opposing counsel.

Who needs this: Income Tax Department, assessees under scrutiny, search & seizure cases (Sec 132)

Under Section 132 of the Income Tax Act 1961, when the IT Department conducts a search and seizure operation, an authorised registered valuer must be present or called upon to value immovable assets discovered. Er. B.P. Singh holds this specific registration (Sec 132, Income Tax Act 1961) — one of the most specialised credentials in property valuation. He has also been empanelled with CBDT for assessment-related valuations. Reports distinguish between fair market value, circle rate, and white-money realizable value — critical in black money investigations.

Who needs this: Insurance companies, property owners seeking home insurance, insurance claim disputes

Property insurance requires a Reinstatement Value (cost to rebuild from scratch at current construction costs) — a very different figure from market value or mortgage value. Under-insuring a property leaves owners exposed to shortfall claims; over-insuring wastes premium. Er. B.P. Singh prepares reinstatement cost valuations for home insurance, building insurance, and insurance claim assessments. The physical site visit is essential: construction quality, building materials, current condition, and remaining life of structure all determine reinstatement cost and depreciated replacement value.

Who needs this: NBFCs, housing finance companies, Loan Against Property (LAP) applicants

Non-Banking Financial Companies and Housing Finance Companies extend Loan Against Property (LAP) and other mortgage-backed products that require independent certified valuations. Unlike bank mortgage valuations, NBFC clients often have more complex structures — mixed-use properties, partly constructed assets, or properties with encumbrances. Er. B.P. Singh’s white-money realizable value methodology directly serves the risk-management needs of lenders: determining what the institution can actually recover in the open market in the event of default. Reports reference current circle rates, comparable market data, and physical condition.