Documents Required for Bank & NCLT Valuation: Complete Checklist
Gathering the right documents before a valuer's site visit shortens the assignment and avoids delays. This checklist covers what banks, resolution professionals and valuers typically ask for, organised by document type.
Quick reference table
| Category | Examples |
|---|---|
| Title & ownership | Sale deed, title deed, patta, khata extract |
| Approved plans | Sanctioned building plan, occupancy certificate |
| Asset register | Fixed asset register with description, cost, date of purchase |
| Financial records | Latest audited financials, depreciation schedule |
| Statutory approvals | Environmental clearance, factory licence, pollution control approvals |
| Insurance & encumbrance | Insurance policy, encumbrance certificate, loan sanction letter |
1. Real estate & land documents
- Title deed / sale deed, see real estate & infrastructure valuation
- Approved building plan
- Occupancy certificate
- Property tax receipts
- Encumbrance certificate
2. Plant & machinery documents
- Fixed asset register with make, model, capacity, serial number, see plant & machinery valuation
- Purchase invoices
- Maintenance records
- Import/customs documents, where applicable
3. Corporate & financial documents
- Latest audited financial statements
- Board resolution authorising the valuation
- Loan sanction letter (for bank valuations)
- Insolvency order / CoC resolution (for NCLT/IBC valuations)
4. Site access & inspection
- Site access arrangement for physical inspection
- Point of contact for the site visit
- Any existing valuation reports for reference
Frequently asked questions
How long does it take to gather these documents?
For a straightforward bank lending case with a single property, most companies can assemble the documents within 2 to 3 working days. NCLT cases with multiple sites or missing title records can take longer, so it pays to start early.
What if I'm missing a document, like an Occupancy Certificate?
Missing documents don't necessarily stop a valuation, but they must be disclosed and may affect the valuer's conclusions or require additional assumptions to be stated in the report. Flag any gaps to your valuer upfront.
Do I need to provide documents in physical or digital form?
Digital (scanned PDF) is sufficient for review before inspection. Originals should be available for verification during the physical site visit.
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