English notice: 3 December, 4:00 PM IST. Platform/signed letter: 5:00 PM. Use the earlier cutoff and confirm the discrepancy.
Reserve price
₹46,22,400
Bidding
See the bidding rules below for increments and extensions
Inspection
3 December, during office hours
Earnest money (EMD)
₹4,62,240, 10% of the reserve
Listed under
Land
Official source
HDB Financial Services listing 244923 on bankeauctions.com
Last verified
3 Nov 2026
Compiled from HDB Financial Services Limited’s listing 244923 and its linked sale documents on bankeauctions.com, checked on 3 Nov 2026. BiddingPulse is independent research, not affiliated with the lender or bankeauctions.com; follow the lender’s registration and payment instructions. The sale follows the lender’s published process.
On the numbers
What the “₹46,22,400 reserve” means
What HDB Financial Services’s sale documents say
The reserve is ₹46,22,400, with an EMD of ₹4,62,240. English notice: 3 December, 4:00 PM IST. Platform/signed letter: 5:00 PM. Use the earlier cutoff and confirm the discrepancy. The highest bid is subject to acceptance under the sale notice.
What BiddingPulse covers
The property, dates, possession, participation requirements, payments and material risks in the linked sale documents, read on 3 Nov 2026. Any conflict or missing detail is identified below. This is not a title or occupancy verification. Names of borrowers and other people are left out.
Auction summary
Source: HDB Financial Services listing on bankeauctions.com; lender’s sale documents
HDB Financial Services Limited is selling a 1st floor flat in Ahmedabad, Gujarat. Its sale notice says the lender has taken symbolic possession. The property is security for a loan, and the lender is selling it under the SARFAESI Act, 2002, which lets a lender sell a defaulted loan’s security without going to court.
The reserve is ₹46,22,400 and the notice EMD is ₹4,62,240. English notice: 3 December, 4:00 PM IST. Platform/signed letter: 5:00 PM. Use the earlier cutoff and confirm the discrepancy. The online auction is scheduled for 4 Dec 2026, 10:30 AM–4:00 PM IST. See the bidding rules below for increments and extensions.
Use the official listing below to read the sale notice, register, pay the EMD and bid. Check every figure here against it first.
Auction & payment timeline
Source: HDB Financial Services listing on bankeauctions.com; lender’s sale documents; SARFAESI sale rules
Stage
Date
What it means
Source
Platform press date
31 Oct 2026
Publication date shown by the official listing. First coverage is dated separately.
Listing 244923
Listing seen
3 Nov 2026
First seen on bankeauctions.com
Listing 244923
Inspection
3 December, during office hours
The English notice permits inspection on 3 December during office hours, without a precise appointment window. Arrange access.
Sale notice
Submission / EMD timing
3 Dec 2026, 4:00 PM IST / 5:00 PM IST
English notice: 3 December, 4:00 PM IST. Platform/signed letter: 5:00 PM. Use the earlier cutoff and confirm the discrepancy.
Listing 244923
Online auction
4 Dec 2026, 10:30 AM–4:00 PM IST
The signed letter and English notice give a scheduled 4:00 PM close, not the shorter platform session. See the bidding rules below for bid increments, extensions and any conflicting instructions.
Read the requirements and risks from this lot’s sale documents, checked on 3 Nov 2026. Follow the lender’s originals and any later amendment before paying.
The English notice closes EMD/documents on 3 December at 4:00 PM, earlier than the platform/letter’s 5:00 PM. Its sale window is 4 December, 10:30 AM–4:00 PM. The payment table specifies demand draft only, but general clause 4 also mentions NEFT; confirm the accepted route.
Personal names left out for privacy.
What are the reserve price and EMD for this flat?
The reserve is ₹46,22,400 and the earnest-money deposit (EMD) is ₹4,62,240. English notice: 3 December, 4:00 PM IST. Platform/signed letter: 5:00 PM. Use the earlier cutoff and confirm the discrepancy.
Who can bid for this flat, and how do I register?
Use the earlier English-notice cutoff: 3 December 2026, 4:00 PM IST, for EMD and signed Annexures II/III, PAN and identity/address evidence. The notice’s table and signed letter say demand draft only; general clause 4 also mentions NEFT.
Resolve the accepted payment route and delivery location with HDB before remitting. The platform/letter’s 5:00 PM must not be relied upon as permission to enter later.
Does the bank have possession, and can I inspect it?
The lender’s sale notice says it has taken symbolic possession: on paper, without moving anyone out. The English notice permits inspection on 3 December during office hours, without a precise appointment window.
Arrange access. Symbolic possession can leave an occupant in place.
Ask HDB Financial Services’s authorised officer before you pay the EMD.
What do I pay if my bid is accepted?
The English notice requires 25% including EMD within 24 hours of acceptance of the bid price, then the remaining 75% on or before the 15th day of sale, unless a written extension is granted. Default can forfeit all amounts paid.
Unsuccessful EMD is refundable without interest; no fixed refund date is promised. These are this notice’s clocks, not the next-working-day / sale-confirmation wording used by some other HDB notices.
What other charges or claims could I face?
The buyer bears stamp duty, registration and transfer costs, applicable taxes, municipal and utility dues and other liabilities affecting the property. Verify title, access, permitted use and outstanding charges independently before bidding.
What are the withdrawal, payment and sale risks?
The sale is on as-is terms and remains subject to the authorised officer’s acceptance. The lender may reject bids, postpone or cancel the sale under its notice.
Possession wording is not a guarantee of vacant access or clear title. The buyer must deal with any occupant or tenancy through lawful procedures.
The bank disclaims responsibility for obtaining permissions/NOCs or clearing outstanding authority and utility dues.
What are the bidding rules?
Bids rise in increments of ₹10,000. The scheduled closing time may extend under the notice’s late-bid rules.
Check the latest notice and any amendments before paying. Follow the registration, payment and bidding instructions above and in the lender’s documents. BiddingPulse accepts no registrations, deposits or bids.