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Legal Intelligence
We pull RERA registration data in real time — project status, approved plans, completion certificates and complaint history surfaced instantly. For deeper verification, 9o9 connects you with empanelled lawyers who run the full suite on your behalf as a paid add-on. That covers three critical checks. RTC (Record of Rights, Tenancy and Crop Information) pulled from Bhoomi — shows the landowner name, survey number, land type, nature of possession and any stay order numbers filed against the property. Encumbrance Certificate from Kaveri Online Services — if issued in Form 15 the property carries a mortgage, court case or partition dispute; only Form 16 means NIL encumbrance and a clear marketable title. Khata verification from BBMP — an A-Khata confirms the building complies with approved plans; a B-Khata or Form B extract flags deviations, safety violations or construction on reclassified agricultural land. Digital checks return within minutes for linked records. Physical verification of site, documents and possession takes two to five working days. You decide how deep you want to go before you sign.
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Price Intelligence — Circle Rate, True Value and Comparable Transactions
Three layers of price truth stacked into one view. The first is the government-declared guidance value (circle rate) for that micro-locality, ward and street — this sets the floor on stamp duty and tells you the state's own assessment of the land. The second is what properties in that building and radius have actually registered at over the past 36 months — sale deed data from the sub-registrar office, updated monthly, clustered by unit type, floor band, age of construction and facing orientation. The third is the listed ask price. The spread across these three numbers tells you everything: how much room to negotiate, whether the seller is pricing above actual market, and whether the declared transaction value will attract excess stamp duty. They answer different questions. Circle rate tells you what the government thinks it is worth. Comparable transactions tell you what a real buyer actually paid. True price tells you what you should pay today.
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Price History and Velocity
A 10-year price appreciation curve for every micromarket, plotted quarterly. We track how fast prices are moving, in which direction and why — mapping supply launches, infrastructure announcements, IT corridor expansions and school openings to price inflection points. Stagnation zones are flagged. Markets where price velocity is accelerating are ranked. You see not just where the price is today but where the curve is heading and what is driving it.
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The 9o9 Score — Unit Level Valuation
Inspired by Carfax for cars. Every individual unit in every project gets a proprietary score computed across 47 variables — floor, facing, ventilation, shadow from adjacent buildings, distance from lift lobby, common area quality, maintenance corpus health, parking ratio, density of the project, builder net worth, legal cleanliness and 36 more. No two units in the same tower score identically. The 9o9 Score is what fair value means at the unit level, not just the project level.
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Return on Investment Engine
We model each property as a financial instrument. Gross rental yield computed from comparable active rental listings in a 500 metre radius. Net yield adjusted for society maintenance, property tax, vacancy rate and management costs. Capital appreciation modelled across a 3, 5 and 10 year horizon using regression on historical price curves and infrastructure pipeline data. IRR computed at current ask price. Compares every shortlisted property side by side as a portfolio, exactly as an institutional investor would evaluate it.
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Builder Credibility Score
Every developer in our database is scored on delivery track record across all their past projects — on-time completion rate, number of delayed handovers, average delay in months, number of active RERA complaints filed against them and resolution rate. Financial health proxies including debt-to-equity and promoter pledge data from public filings. Construction quality from buyer community ratings. One number from 0 to 100 — the probability that this builder delivers what they promised, when they promised it.
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Possession Probability Model
A machine learning model trained on 4,200 RERA-registered projects in Bangalore tracks construction completion percentage against time elapsed, compares against the approved construction schedule and builder's past delivery velocity. It outputs a probability score for on-time possession. A project at 40% construction with 8 months to promised delivery that this builder typically takes 18 months to complete gets a very different score than a project where the builder has 14 consecutive on-time deliveries. We tell you the number. You make the call.
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Neighbourhood Life Quality Index
Five dimensions computed for every pincode. Education — ranked schools within 2km, CBSE and ICSE board results, teacher-to-student ratios from public data. Healthcare — nearest hospitals with bed capacity, 24-hour emergency availability, specialty care. Commute — peak hour travel time to the top 10 IT parks and CBDs in the city, BMTC and metro coverage, walkability score. Environment — flood inundation zone maps overlaid on property coordinates, green cover percentage, recorded air quality index. Civic — road quality index, power outage frequency, water board supply consistency. All visible before you visit.
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GST, Stamp Duty and TDS Calculator
The real cost of a property is never the sticker price. We compute the complete acquisition cost — GST at 5% for under-construction, stamp duty at 5.6% on guidance value or agreement value whichever is higher, registration fees, legal fees, home loan processing charges, pre-EMI interest during construction. For investors we compute TDS deduction obligations on rent above ₹50,000 per month, advance tax obligations and long-term capital gains tax on exit at different hold periods. You walk in knowing the full number, not just the brochure price.
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Natural Language Ask
You do not need to know which filters to use. Describe what you want in one sentence — your budget, location preference, family size, school requirement, commute constraint, investment horizon. The model parses your intent, maps it to all 47 scoring variables and returns a ranked list of units that fit. Not projects. Units. Sorted by how well each one matches your actual life, not by who paid for placement.
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The 9o9 Property Intelligence Report — Read This Before You Invest in Anything
One document that contains every layer of intelligence 9o9 has assembled on a property. Legal status across RTC, EC form type, Khata classification and RERA standing. Price benchmarking across circle rate, comparable registered transactions and current ask. The 9o9 Score with a variable-by-variable breakdown of how that unit was evaluated. Builder Credibility Score and full delivery track record. Possession Probability with the construction progress timeline. Return on investment across 3, 5 and 10 year horizons with gross and net rental yield. Neighbourhood Life Quality Index across education, healthcare, commute, environment and civic infrastructure. GST, stamp duty, registration, TDS and total acquisition cost computed at the agreed price. Written in plain language. Shareable with your family, your home loan advisor and your lawyer. What a full team of specialists — a property lawyer, a chartered accountant, a market analyst and a neighbourhood researcher — would charge ₹1.5 lakhs and four weeks to produce. 9o9 delivers it in under 12 minutes. If you are spending more than ₹30 lakhs on a property and you do not have this report, you are guessing.