The Gulmohar engine

Every score is earned, not guessed.

A deterministic, rules-based engine — not an AI making probabilistic guesses. Every number has a reason. Every reason is visible. Same inputs, same score, every time.

Evaluate a property →
Deterministic. Auditable. Published methodology.
How the score is built
67Gulmohar score
Deal score60% of final
Is it a good buy?
81
Financial fit40% of final
Right for you?
35
Q2Proceed with caution
What you bring

Three things.
Twenty minutes.

Real numbers give you a real verdict. Approximations give you noise.

🏠
The property

Location, price, size, type, and whether it's ready to move in.

💰
Your finances

Income, existing obligations, and how much you have liquid.

🏦
The loan

Down payment, tenure, rate — how you plan to fund the purchase.

How it scores

One number. Two independent layers.

A great deal at the wrong financial moment is still a bad decision. Both sides are scored independently — then combined.

Deal score · 60% of final

Is this a good property?

Scored independent of you. Same property gets the same score regardless of who's buying.

Entry (45%)
82

Price vs P25 / Median / P75 for this cluster

Liquidity (25%)
61

Listing density, pipeline supply, RTM premium

Risk (20%)
74

Developer tier, RERA status, legal flags

Income (10%)
55

Rent yield vs cluster benchmark

Weights shift for investment, commercial, or land purchases.

Financial fit · 40% of final

Can you handle this?

Scored against your specific numbers. Changes if your income, savings, or obligations change.

FOIR (30%)
45

Total EMI burden vs income. Hard cap at 35 if FOIR > 50%

Runway (30%)
58

Months of buffer at current outflow. Target: 12 months

LTV (20%)
70

Loan as % of price — lower LTV means stronger equity

Debt / NW (10%)
55

Total loan ÷ net worth. Balance-sheet leverage.

Liquidity (10%)
42

Post-purchase investable assets vs monthly outflow

FOIR above 50% hard-caps the Financial Fit score at 35 — regardless of other sub-scores.
What comes out

A score isn't enough. You get a verdict.

The quadrant answers two questions at once: is the deal good, and are you the right buyer for it right now?

Q3Weak deal,comfortable buyerQ1Strong deal,strong buyerQ4Weak deal,stretched buyerQ2Good deal,stretched buyerDEAL QUALITY →FINANCIAL FIT ↑You

The dot below shows Q2 — a real example. Deal scores well (81), but the buyer's financial fit is stretched (35). Same property, different buyer, different quadrant.

0–100
Gulmohar Score
Weighted blend of deal quality and fit
Q1–Q4
Quadrant
Your position in plain language
Negotiation anchor
Where to open the counteroffer
Shock Simulator
How your position shifts under stress
Q1
Proceed

Good deal. Finances are solid. Go in with confidence.

Q2
Negotiate first

Good deal — but FOIR, runway, or LTV needs fixing before you sign.

Q3
Find a better deal

You can afford it. The property is overpriced for its cluster.

Q4
Avoid

Weak deal and stretched finances. Risk is compounded.

You've read how it works.
Now see it on your property.

Free snapshot. No broker. No pressure. Full report unlocks from ₹499 when you're ready.

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₹499 is the cost of knowing. The cost of not knowing is the rest of the EMI.