DIGITISING THE ENTIRE MORTGAGE LENDING PROCESS
A proven platform supporting over Cr7.5m dollars in lending decisions globally
Transforming the Property Ecosystem
Increasing regulatory compliance and heightened customer expectations are two growing pressures Valocity solves.
Our award winning Valuation Ordering Platform transforms the valuation process enabling improved portfolio and risk management in parallel with improved customer experience and digital efficiency.
Valocity delivers digitisation, automation and future proof solutions for the end-to-end property valuation ecosystem in India, resulting in reduced operating costs and a faster speed to yes.
Valocity is not a lender, a Valuer, an aggregator or a broker. We enable the property valuation and lending ecosystem to communicate digitally, enhancing efficiency.
Think of Valocity as a digital highway for the efficient transportation of valuation orders and their delivery.
We work in partnership to benefit both the valuation and the banking communities.

Banks and HFCs
One Smart Platform
- Transform the mortgage and valuation process with the best technology, data and analytics
- Automate workflow with digital processes to enable efficiency and scale
- Gain significant operational efficiencies and minimise costs on infrastructure, cloud storage and training

Property Valuers
Valocity Connect
- Simplify valuations with an end to end digital solution for property valuers nationwide
- Digitally connect with lenders for easy communication, data and secure document sharing
- Gain efficiency and speed with standardised valuation templates, mobile Apps and customised workflow
Innovative Solutions

End to end Valuation Ordering Platform
Digitally connecting the entire valuation ecosystem for the first time with digital end to end workflow management for the bank’s nationwide valuation panel.
- Easily integrate with bank branding, credit rules and work-flow
- Advanced rules engines for alerts and real time policy changes
- Digitally onboard, manage and connect to your valuer panel
- Property identification and validation
- Property reports, portfolio analytics/trends, bench-marking, quality control
- Enhanced customer insights to manage risk, drive next best credit conversations and increase customer retention
Digital in field tools
Enabling valuers to leverage bespoke bank secure, on-site valuation tools to capture data infield accurately and seamlessly.
Valuers are able to share this information securely with the bank as well as capture unique geospatial data and time stamped photos all in a bank customised report template.

Remote
Valuer can complete their Market Valuation Report data capture tools all available in App

Digital Security
Hosted securely via Microsoft Azure for bank grade security and regulatory compliance

Accurate
Time stamp property images, geo-tag location, attach plans and confirm authenticity for data quality control

Hear from Esteemed Industry Leaders
Listen and learn as esteemed speakers from Valocity’s webinar, ‘Transforming Mortgage Lending for a Digital India,’ share their deep understanding of the mortgage valuation industry in India and their vision on how collaboration, digital technology and data innovation will solve the challenges of the industry, enabling us to be future ready for the immense growth opportunities that await.

Mr. Amitabh Kant
Chief Executive Officer
NITI Aayog
“The use of technology, and data intelligence will enable the end-to-end property ecosystem and enable transparency. The rich experience of the New Zealand-based Valocity company will add a lot of value to the market. Amidst the unique advantages offered by India, this is an incredible opportunity for everyone in the property and valuation ecosystem.”
Mr. Amitabh Kant
Chief Executive Officer
NITI Aayog

Dr. M.S. Sahoo
Chairman
NITI Aayog
“I see technology is making a difference in three spheres in the context of today’s seminar.
1. Digitalisation of records of ownership of property,
2. Technology assisting in the valuation of property, and
3. Automation of the loan contracts
The efficacy of AVMs will improve and would be replaced by newer tools using Artificial Intelligence. But we can’t hold the technology or the provider of such technology liable for faulty valuations, nor can we license them as valuers. Therefore, we want to build capacity of valuers to use technology that assist in valuation.”

Ms. Shanti Ekambaram
Group President – Consumer Banking
Kotak Mahindra Bank
“The Government of India has been aggressively driving digitisation, and the COVID-19 pandemic has leapfrogged Digital by 5 years. Mortgage is one of the core needs in India, and it is important to create an ecosystem of all players powered by technology. With Valocity’s mortgage valuation model, we will be able to digitise mortgage valuation which will bring efficiency in the whole process and enhance customer experience. I see a future where we will digitise everything in property transactions and digital mortgage valuation is a core part of it.”
Ms. Shanti Ekambaram
Group President – Consumer Banking
Kotak Mahindra Bank

Mr. Rahul Bhave
Executive Director
National Housing Bank
“In India, mortgage lending has increased from 1% of GDP in 1990 to almost 11% of GDP now, with a total value of approximately ₹ 27 lakh crore. According to the CAGR of over 30% over the last five years, the development potential is enormous. The sector has performed admirably even throughout COVID. In comparison to the previous year, distribution increased by 185 % in FY 2021. Banks provided over 65% of these loans, while HFCs provided the rest. In the housing sector the entire game has changed, and technology is influencing the industry.”
Mr. Rahul Bhave
Executive Director
National Housing Bank

Ms. Carmen Vicelich
Founder and Global CEO
Valocity
“Valocity delivers innovation for lenders by combining the best of technology, data, and human-centred design to efficiently transform the valuation loan for property experience. We empower lenders to take advantage of cutting-edge technology, make data-driven decisions, and implement solutions swiftly and easily to deliver customer centricity. Valocity is neither a bank, a valuation company, an aggregator, or a broker. We are a technology fintech that make it possible for the property valuation and financing ecosystems to communicate digitally, track workflow and securely share information increasing efficiency and improving client satisfaction.”
Ms. Carmen Vicelich
Founder and Global CEO
Valocity

Mr. R.V. Verma
Non-Executive Chairman
Valocity
“Purchasing a property is a complex issue in India. The market infrastructure development, transparency and standardisation are a key aspect of the stability of the mortgage industry – which is increasingly demand and consumer driven.
Digitization will add a lot of value and enhance efficiency to this growth sector and will be a win-win situation for everyone. Valocity offers state-of-the-art technology that transforms the mortgage valuation process by digitally connecting the lenders and valuers in a quick, easy and smart way. “
Mr. R.V. Verma
Non-Executive Chairman
Valocity

Mr. David Pine
New Zealand High Commissioner to India, Bangladesh and Nepal
MFAT
“New Zealand’s reputation for probity and good governance is evident from Transparency International’s ‘anti-corruption index’ to the World Bank’s ‘index of ease of doing business’. Kiwi tech companies have proven themselves in an area of the economy that requires both high tech and high trust. Valocity itself, it seems to me, is a natural partner for India. The products and capabilities are directly relevant to this government’s ‘Digital India’ strategy, as well as its ‘Housing for All’ strategy”.
Mr. David Pine
New Zealand High Commissioner to India, Bangladesh and Nepal
MFAT

Valocity India
Digitising Mortgage Lending
COVID has leapfrogged digital by at least 5 years, and this has made it imperative for the Indian Mortgage Valuation ecosystem to adopt technologies and digital workflows that add efficiency, transparency and accuracy to the valuation process.
Valocity India
Digitising Mortage Lending
From Manual to Digital
Harnesses technology and data to deliver digital transformation that delivers significant organisational value
Before Valocity: Manual
After Valocity: Digital Transformation














Recognised for World Class Technology and Innovation
IFTA Fintech Award Winner

At Valocity we’re committed to continuous innovation, to solve customer problems better than ever before. We focus on building customisable fintech and proptech solutions to make your life easier.
We’re proud to globally recognised for innovation, working with some of the largest lenders and valuers across New Zealand, Australia, India, and Asia.
Recent awards include:
- Runner Up Global Fintech of the Year – at the world-renowned Singapore Fintech Festival 2022
- Scale Up of the Year – at the prestigious India Fintech Forum Awards (IFTA) 2022
- Excellence in Innovation Technology Award – ASSOCHAM Fintech Awards 2022
- MAS’ Finalists – Global Fintech Hackcelerator Fintech Awards 2021
- Microsoft ISV Partner of the Year 2020
Internationally Recognised

Fintech Scale Up of the Year, India Fintech Forum Awards (IFTA) 2022

Runner Up Global Fintech of the Year, Singapore Fintech Festival 2022

Excellence in Innovation Technology Award 2022

Microsoft ISV Partner Award 2020

Winner of The Search NZ, Abu Dhabi Fintech 2020

Fintech Startup of the Year Award, India Fintech Forum 2019

Finalist Global Fintech Hackcelerator Awards, Singapore Fintech Festival 2019

Finalist Excellence in Innovation, Export NZ Awards 2018

Finalist, IFTA India Fintech Award for Innovation 2019

Finalist Global Fintech Awards, Singapore Fintech Festival 2018

2017 CIO award for ‘Best Business Transformation using Digital and IT’

Finalist Best Medium Business, Export NZ Awards 2018

Innovation Award 2016, Property Institute NZ

NZDM Nexus Supreme Winner Award 2015
Meet the Team

Sovan Mandal
CEO - Valocity India

Vikas Arora
Head of Technology - India

Manesh Kumar
Director of Business Development
