Property Valuation
Nepal's Standard
NRB-compliant property valuation reports trusted by 30+ banking institutions. Site inspection within 24 hours, report delivery within 3 days.
Trusted Partners
Authorized Valuator For
Our valuation reports are accepted by leading financial institutions across Nepal for secure lending and compliance.
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What is Valuation?
Understanding Property Valuation in Nepal
Property valuation is the professional assessment of a property's market value by a certified expert using recognized methodologies. In Nepal, it plays a critical role in banking, real estate, legal proceedings, and taxation.
A certified valuation report determines how much a property is worth based on location, size, condition, market trends, and government rates — providing an objective basis for financial and legal decisions.
Nepal Rastra Bank (NRB) mandates that all collateral valuations for bank loans must be conducted by registered valuators following specific guidelines, making professional valuation essential for loan processing.
Why Nepal Banks Require Professional Valuation
- NRB Unified Directive 2080 mandates certified valuation for all mortgage loans
- Prevents over-lending against inflated property prices
- Provides an independent check on collateral adequacy
- Establishes both market value and distress/forced sale value
- Serves as legal documentation for dispute resolution
- Required for loan review, renewal, and monitoring
Our Process
How We Conduct Valuation
A transparent, step-by-step process that ensures accuracy, compliance, and timely delivery.
1
Day 1
Submit Documents
Provide ownership documents (Lal Purja), field book, tax clearance, and construction permit to our team.
2
Day 1–2
Site Inspection
Our certified valuator visits the property for physical measurement, condition assessment, and photographic documentation.
3
Day 2–3
Market Analysis
We analyze recent comparable sales, government rates, and market trends to determine accurate market value.
4
Day 3–4
Report Preparation
A certified valuation report is prepared following NRB directives and the specific bank's guidelines.
5
Day 4
Review & Certification
Senior valuation expert reviews and certifies the report for accuracy and compliance.
6
Day 4–5
Report Delivery
Certified report delivered in both hard copy (for bank) and digital format (for client records).
Who Needs It?
Valuation Services For Everyone
Whether you're a bank, individual property owner, business, or government agency — our valuation services are tailored to your specific needs.
Banks & Financial Institutions
NRB-compliant collateral valuation reports accepted by all major banks and financial institutions for mortgage and business loan processing.
- Home loan mortgage
- Business loan collateral
- Overdraft facility
- Project financing
Individuals & Property Owners
Accurate market value determination for buying, selling, gifting, inheritance, and legal settlement purposes.
- Pre-sale valuation
- Inheritance distribution
- Legal dispute resolution
- Rental income determination
Businesses & Corporations
Corporate property valuations for balance sheet reporting, asset management, mergers, acquisitions, and investment decisions.
- Balance sheet valuation
- Mergers & acquisitions
- Lease vs. buy analysis
- Insurance sum insured
Insurance Companies
Reinstatement cost assessments and market value determination for property insurance underwriting and claims processing.
- Sum insured determination
- Damage assessment
- Loss of rent valuation
- Post-disaster claims
Courts & Legal Proceedings
Independent expert valuation for court proceedings, arbitration, divorce settlements, and property disputes.
- Property dispute cases
- Divorce settlements
- Compulsory acquisition
- Partnership dissolution
Government & Municipality
Property valuations for land acquisition, compensation determination, property tax assessment, and public interest projects.
- Road widening compensation
- Government project land acquisition
- Municipal tax assessment
- Public utility acquisition
Documents Required
What You Need to Provide
Prepare these documents before requesting a valuation to ensure a smooth and timely process.
Land Ownership Documents
- Lal Purja (Land Ownership Certificate)
- Naapi Field Book (Cadastral Survey Map)
- Unified Property Tax (Eakarit Sampati Kar)
Building Documents
- Building Construction Permit (Naksaa Pass)
- Approved Architectural / Structural Drawings
- Completion Certificate (if available)
- Building Tax Payment Receipt
Identity Documents
- Copy of Citizenship Certificate
- Company Registration Certificate (for corporate clients)
- Power of Attorney (if applicable)
Additional Documents (if applicable)
- Tenancy Agreement / Lease Deed
- Previous Valuation Reports
- Court Orders or Succession Documents
- Joint Ownership Consent Letter
Valuation Factors
What Affects Property Value?
Understanding these key factors can help you better interpret your valuation report.
Location & Accessibility
Proximity to main roads, markets, schools, hospitals, and public transportation significantly impacts property value.
Land Area & Shape
Total area, frontage width, depth ratio, and shape of the land parcel directly affect its market value and development potential.
Building Age & Condition
Year of construction, construction quality, maintenance condition, and structural integrity all factor into building value.
Infrastructure & Utilities
Availability of road access, electricity, water supply, sewerage, and internet connectivity affects property desirability.
Land Use Zoning
Municipal zoning classification (residential, commercial, industrial) determines allowed use and significantly impacts market value.
Market Conditions
Current real estate market trends, recent transaction prices in the locality, and overall economic conditions influence valuation.
FAQ
Valuation Questions Answered
How long does a property valuation take?
For standard residential properties, we typically deliver the report within 3–5 working days from the date of site inspection. For complex commercial properties or urgent bank requirements, we offer expedited services within 1–2 working days.
What documents are required for property valuation?
You will typically need: (1) Lal Purja (Land Ownership Certificate), (2) Naapi Field Book (Cadastral Survey Map), (3) Tax Clearance Certificate, (4) Building Construction Permit, (5) Approved Drawing (if applicable), and (6) Property Tax Receipt. Additional documents may be required depending on the property type.
Which banks accept your valuation reports?
We are panel valuers for 30+ banking and financial institutions including Nepal Investment Mega Bank, Nabil Bank, NIC Asia Bank, Himalayan Bank, Standard Chartered Bank Nepal, Sanima Bank, and most development banks and finance companies licensed by NRB.
What is the difference between market value and distress value?
Market value is the price a willing buyer would pay to a willing seller in an open and competitive market under normal conditions. Distress value (also called Forced Sale Value or Liquidation Value) is typically 60–80% of market value and represents what a property would fetch in a quick forced sale. Banks use distress value to calculate the maximum loan amount.
Request Your Property Valuation Today
Get a certified NRB-compliant valuation report in 3 working days. Our team is ready to assist you.