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India's PropFinTech Operating System
● Pre-launch preview · launching Mumbai first

The price they ask.
The price it officially registered for.
Finally, both.

SETUVIA brings every property's official registered transaction value — straight from government records, alongside the area's ready-reckoner rate — so every Indian can buy, rent, and finance a home with a verified benchmark, not just the asking price.

▶ See the OS — request preview access
Built on
IGR Govt. Data MahaRERA RBI FREE-AI DPDPA 2023
⚡
SetuviaScore
742 · Loan ready
Residential towers by the lake — sample Thane West property
✓ RERA Verified Sample Listing · Thane West
₹1.95 Crore
2 BHK · 720 sq.ft carpet · Asking price
Market Context Band● IGR Government Data
₹1,78,00,000₹2,15,00,000
⊹ Representative sample · 183 registered transactions · May 2026 · 91% confidence
🏦
Pre-approved
₹1.56 Cr @ 7.60%
Property SearchCredit ScoringHome LoansDigital AgreementsEscrow PaymentsDue DiligenceInsurance Property SearchCredit ScoringHome LoansDigital AgreementsEscrow PaymentsDue DiligenceInsurance
The Information Gap

Buy a home knowing both numbers, not just one.

Across India, the asking price is everywhere — but the official registered value, the government benchmark for what a home changed hands at, has always been hard to find. SETUVIA brings it into the open, alongside the area's ready-reckoner rate, so buyers and sellers can negotiate from the same verified ground.

Searching the old way

One number, half the picture.

– You see the asking price, but not the registered one
– Comparable sale data is scattered and hard to access
– Pricing, paperwork and loans live in different places
– You negotiate on instinct, not on evidence
With SETUVIA

The full picture, in one place.

✓ Official registered values, straight from government records
✓ Each listing shown against the area's ready-reckoner rate
✓ Pricing, score, loan and agreement on one platform
✓ A verified benchmark to negotiate from, for buyer and seller alike
The SETUVIA OS

One wedge, live first. One platform behind it.

We start where it matters most — a verified property, its real value, and a fast home loan. The rest of the operating system rolls out as we earn the right to each layer.

First wave — in build & early access
🔍

SetuviaSearch AI

Property discovery where every listing is anchored to real government transaction data — so everyone starts from the same verified ground.

● Early access
📊

SetuviaInsight

The Market Context Band — a fair-value range built from registered transactions and the ready-reckoner rate, powered by our in-house AVM.

● Early access
🏦

SetuviaFinance

A 48-hour home loan decision, matched across partner banks using your real income — powered by SetuviaScore, our property credit engine.

● Early access
Rolling out across the SETUVIA OS
⚡ SetuviaScore 📝 SetuviaRent 🛡️ SetuviaTrust 💳 SetuviaPay 👥 SetuviaAgent CRM 🌏 SetuviaNRI 📈 SetuviaPortfolio ＋ more

Every product earns its place on one data spine — released as we prove the one before it. This is how the operating system gets built: one trusted layer at a time.

The Opportunity

A market this large, this untouched.

$431B
India home-loan market — USD ($431B / ₹33 lakh crore)
270M+
Creditworthy Indians who still can't get a home loan
ZERO
Portals showing official registered transaction values today
10L+
Maharashtra registrations / year — our launch market

Sources: India home-loan market — Mordor Intelligence (2026). Creditworthy-but-underserved borrowers — TransUnion CIBIL. Registrations — IGR Maharashtra. National opportunity; Maharashtra (Mumbai MMR) is our launch market. SETUVIA targets the white space no incumbent can structurally fill.

Why It Can't Be Copied

A moat made of government data.

01

Register the rentals

SetuviaRent puts SETUVIA on the path to authorised government service-provider status.

02

Unlock the transaction data

That status opens access to official registered transaction values — the benchmark no portal has.

03

Train the valuation engine

An explainable AI model turns millions of transactions into a fair-price band.

04

Compound, every single day

Every new agreement deepens the data. The lead widens with time — it can't be bought.

“Technology can be copied in a weekend. Government data access and years of compounding transactions cannot.”
— The structural advantage behind SETUVIA
🏛️
Built for
IGR Maharashtra · MahaRERA · Account Aggregator frameworks
Built For Everyone In The Deal

A friend to every side of the table.

SETUVIA works for everyone in the deal. The same trusted data that gives buyers confidence helps sellers close at a fair price, rewards good agents, and brings developers and lenders ready, qualified customers.

Make the biggest decision with confidence.

Know the official registered range for the area, confirm the home is clear and legal, and arrive with your loan already approved — so you and the seller can move quickly toward a fair, well-informed agreement.

✓ Government-backed Market Context Band on every listing
✓ 60-second loan pre-qualification across partner banks
✓ Instant title, RERA and litigation check for peace of mind
Full clarity
on price, legal status & loan — before you commit
Loan pre-approval60 seconds
Due diligence30 seconds
Market rangeIn view

Sell or rent faster, to serious people.

When buyers and tenants can see the official registered range up front, they arrive already trusting your price — so you spend less time on doubters and reach a fair agreement sooner, with people who are ready and verified.

✓ Your fair price is backed by neutral government data buyers trust
✓ Meet pre-qualified, loan-ready buyers — fewer time-wasters
✓ Landlords get verified tenants with a rent-payment track record
✓ Registered agreement, escrow and paperwork handled end to end
Less haggling
when your price arrives already trusted
BuyersPre-qualified
Your priceData-backed
PaperworkDone for you

Close more deals, earn more on each one.

A free CRM that organises your pipeline, government-backed data that helps every deal close faster, and a brand-new income stream — earn commission on every home loan you arrange for your clients.

✓ Free Kanban lead pipeline & WhatsApp automation
✓ Earn ₹18,000–₹90,000 per home loan originated
✓ Build trust with both sides using neutral market data
₹42,500
illustrative loan commission per closed deal
CRM costFree
Lead pipelineBuilt in
New incomeDSA loans

Sell faster, to buyers who are ready.

SETUVIA brings you pre-qualified, loan-ready buyers — and gives them the government-backed confidence to act. Your projects reach serious buyers, and real-time demand data helps you price and time every launch with precision.

✓ Free listings that reach pre-qualified, loan-ready buyers
✓ Government-backed buyer confidence that shortens your sales cycle
✓ Live demand analytics for pricing and launch timing
✓ An optional trust badge that signals credibility to buyers
Pre-qualified
loan-ready buyers delivered to your projects
Listing costFree
Trust badgeOptional
Demand dataReal-time

Turn your rent into a home loan.

Get a legal rental agreement in fifteen minutes — and watch every on-time payment build your SetuviaScore, the credit identity that turns years of renting into a real path to owning.

✓ Registered rental agreement in 15 minutes
✓ Rent history becomes a bankable credit score
✓ The bridge from renting to owning
300M+
renters who get zero credit for years of payments
Agreement15 minutes
Credit identityFrom rent
Path to owningUnlocked

Lend with lower risk, to ready borrowers.

For banks, NBFCs and housing-finance companies, SETUVIA sits at the top of your funnel — delivering pre-screened, income- and consent-verified borrowers alongside collateral data grounded in real registered transactions. You underwrite faster, price risk more accurately, and reach an entire market of creditworthy customers that thin-file scoring has always missed.

✓ A steady pipeline of pre-qualified borrowers, income-verified via Account Aggregator with full consent
✓ Collateral valued against registered transaction data — sharper LTV decisions, not broker estimates
✓ Explainable, RBI FREE-AI-aligned credit inputs that shorten turnaround and stand up to audit
✓ Reach 300M+ thin-file renters via SetuviaScore — an alternative score built from verified rent history
✓ Title, RERA and encumbrance checks via SetuviaTrust complete before disbursal — lower fraud and legal risk
✓ Co-lending and DSA-ready origination — qualified leads at a fraction of typical acquisition cost
$431B
India home-loan market — underwritten with verified data, not guesswork
BorrowersPre-screened
CollateralTransaction-priced
UnderwritingFaster & auditable
New segment300M+ thin-file
Know Before You Buy

The true cost, before you commit.

EMI, stamp duty and registration in one honest picture — the numbers most portals never show together. A working taste of the engine behind SetuviaFinance.

Your monthly EMI
₹62,024 / month
Loan amount—
Down payment—
Stamp duty—
Registration fee—
Cash needed upfront—
Total interest over tenure—
Indicative, FY 2026–27 Maharashtra rates: stamp duty incl. cess/LBT, registration 1% capped at ₹30,000, best home-loan rates from ~7.5% p.a. Verify with IGR Maharashtra and your lender — SetuviaFinance will do this for you, live.
One OS, Whole Journey

Different by design.

Portals end at the lead. SETUVIA is built for the whole life of a property — and for every side of the table.

🔍
01 · Discover
SetuviaSearch AI
→
🛡️
02 · Verify
Insight + Trust
→
🏦
03 · Finance
Score + Finance
→
💳
04 · Transact
Pay · Escrow
→
🏠
05 · Own & Grow
Rent · Portfolio
What matters to youSETUVIA OSTypical portals
Price shown✓Asking price and the official registered band✗Asking price only — negotiate blind
Listings✓RERA & registry-anchored, deduplicated✗Unverified, duplicates and bait listings
Whose side✓Advisor-side — success-aligned, zero kickbacks✗Your enquiry is sold to brokers as a lead
Your data✓DPDPA consent-first · never sold✗Resold to calling lists
Financing✓48-hour decision, matched across partner banks✗Redirect banner ads
The transaction✓RERA-linked escrow rail (SetuviaPay)✗You're on your own after the lead
After the keys✓Rent, manage, insure, resell — one OS✗Journey ends at the enquiry form
The People

Built by a builder. Guarded by a lawyer.

KK

Kunal Kumar

Founder & Chief Executive Officer

Building the operating system for India's property economy — starting with the market he knows street by street: Thane and the wider Mumbai MMR.

GS

Gautam Kumar Singh

Co-founder & Chief Legal Officer · Advocate, Bombay High Court

A practising High Court advocate leading title verification, RERA compliance and every government integration — legal rigour as a product feature, not a checkbox.

Straight Answers

Honest questions, honest answers.

What exactly is the Market Context Band?

A fair-value range for a property, built from officially registered transactions in the same micro-market plus the government ready-reckoner rate. It is the official benchmark — the same records used for stamp duty and bank lending — shown in plain sight for the first time.

Is the registered value the "real" price of a property?

It is the official record — a government benchmark, not a claim about any private negotiation. Asking prices and deals vary; the Band gives you the official anchor no portal shows, so you negotiate from evidence instead of guesswork.

Are SETUVIA's products live today?

We are pre-launch — in build and early access, launching Mumbai first — starting across Thane. Joining the waitlist gets you first access as each product goes live, and we will never mark something "live" before it truly is.

Is my data sold to brokers or advertisers?

Never. SETUVIA is designed around DPDPA 2023 — consent-first, minimum data, no resale. Trust is the product.

When does my city get SETUVIA?

Mumbai first — rolling out across Thane and the wider MMR — then India's major metros. Depth before breadth. Request early access and we'll notify you the moment your area goes live.

Join The Beginning

Be among the first to buy
from the truth.

SETUVIA is launching Mumbai first — rolling out across Thane, Navi Mumbai and the wider MMR. Request early access and we'll bring the truth to your neighbourhood.