Axis 1 · Legal & Title Cleanliness
Weight 18% · 100 sub-points
- EC clean for 30 years, no encumbrance — 40 pts
- Past mortgage discharged with proof — 24 pts
- No NCLT/IBBI admission against promoter — 20 pts
- No pending litigation on parent land — 12 pts
- Khata/patta in builder name — 4 pts
- Unresolved encumbrance — HARD CAP 4.4 — 0 pts
Axis 2 · RERA Disclosure Quality
Weight 12% · 100 sub-points
- QPRs filed on time, last 4 quarters — 35 pts
- Form-3 CA certificate current — 25 pts
- Zero RERA complaints upheld — 20 pts
- No more than one extension — 15 pts
- Financial disclosures match MCA filings — 5 pts
- No valid RERA — HARD CAP 4.9 — 0 pts
Axis 3 · Builder Financial Health
Weight 14% · 100 sub-points
- CRISIL/ICRA rating A or above (or equivalent) — 30 pts
- SPV net-worth covers cost-to-complete — 28 pts
- CIBIL Commercial — no defaults 24m — 22 pts
- Listed parent or audited financials current — 15 pts
- Debt-to-equity within segment norm — 5 pts
- NCLT admission — HARD CAP 3.9 — 0 pts
Axis 4 · Verified Buyer Sentiment
Weight 10% · 100 sub-points
- Possession cohort 12-month NPS positive — 35 pts
- Site-visit survey n>=30 with positive lean — 30 pts
- RWA confirms no major unresolved grievance — 20 pts
- Google Reviews bot-filtered rating >= 4.0 — 15 pts
Axis 5 · Bank Loan-Approval Depth
Weight 8% · 100 sub-points
- Three or more nationalised + private banks in APF — 50 pts
- SBI APF present — 25 pts
- HDFC or ICICI APF present — 15 pts
- LIC HF or other HFC APF present — 10 pts
- Zero banks post 12m — HARD CAP 5.4 — 0 pts
Axis 6 · Location & Infrastructure
Weight 12% · 100 sub-points
- Within sanctioned master plan, residential zone — 30 pts
- Metro/MRT line within 2 km — DPR funded — 25 pts
- Commute isochrone <45 min to CBD — 20 pts
- Social infra (school/hospital) within 3 km — 15 pts
- No NGT/CRZ/buffer overlap — 10 pts
Axis 7 · Value & Price Trajectory
Weight 10% · 100 sub-points
- Segment-normalised CAGR positive last 3 yr — 35 pts
- Sub-registrar deal velocity above micromarket median — 30 pts
- Price within 10% of comp-set median — 20 pts
- No artificial discount/cashback masking — 15 pts
Axis 8 · Construction & Delivery Risk
Weight 10% · 100 sub-points
- Satellite progress matches or beats QPR — 40 pts
- OC/CC valid (RTM) or on-schedule (UC) — 30 pts
- Snag-list density below segment median — 20 pts
- No labour/material default in last 6m — 10 pts
- Stalled >18m — HARD CAP 4.4 — 0 pts
Axis 9 · Governance & Approvals Depth
Weight 6% · 100 sub-points
- Environment clearance current and matches built-up — 30 pts
- Fire NOC current — 25 pts
- AAI height NOC where applicable — 20 pts
- Water and sewage NOC current — 15 pts
- Plan-sanction validity not expired — 10 pts
See also: Score overview · Changelog · Plots Score.