See the bidding rules below for increments and extensions
Inspection
13 Nov 2026, 11:00 AM–5:00 PM IST
Earnest money (EMD)
₹2,75,400, 10% of the reserve
Listed under
Land
Official source
ISARC listing 244918 on bankeauctions.com
Last verified
3 Nov 2026
Compiled from ISARC’s listing 244918 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 “₹27.54 L reserve” means
What ISARC’s sale documents say
The reserve is ₹27,54,000, with an EMD of ₹2,75,400. The published submission deadline is 19 Nov 2026, 5:00 PM IST. 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: ISARC listing on bankeauctions.com; lender’s sale documents
ISARC is selling a 3rd floor flat in Guntur, Andhra Pradesh. Its sale notice says the lender has taken physical 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 ₹27,54,000 and the notice EMD is ₹2,75,400. Submission closes 19 Nov 2026, 5:00 PM IST. The online auction is scheduled for 20 Nov 2026, 11:00 AM–1:00 PM IST. See the bidding rules below for increments and extensions. Inspection is set for 13 Nov 2026, 11:00 AM–5:00 PM IST.
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: ISARC listing on bankeauctions.com; lender’s sale documents; SARFAESI sale rules
Stage
Date
What it means
Source
Platform press date
24 Oct 2026
Publication date shown by the official listing. First coverage is dated separately.
Listing 244918
Listing seen
3 Nov 2026
First seen on bankeauctions.com
Listing 244918
Inspection
13 Nov 2026, 11:00 AM–5:00 PM IST
The window the listing gives to see the property; arrange it with the lender
Listing 244918
Registration and EMD close
19 Nov 2026, 5:00 PM IST
Register, pay the EMD and submit your opening offer (usually at least the reserve); bidding itself is in the online auction
Listing 244918
Online auction
20 Nov 2026, 11:00 AM–1:00 PM IST
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.
Sale documents
What exactly is being sold?
Flat 401 on the third floor, Krishna Chaitanya Enclave, Bharathpet First Line, Guntur, Andhra Pradesh. The notice gives 851 sq ft plinth area including common area and car parking, with terrace/easement rights and one car space.
Old Ward 1, new Ward 2, Block 8, TS 521/3, Door 4-16-146, assessment 11232, Koritepadu SRO. The land paragraph prints 274.7/9 sq yd (229 sq m) and 27.5 sq yd (22.99 sq m) with confusing share/parent wording; obtain the deed to establish the undivided interest.
The parent-land and undivided-share wording is inconsistent. The flat’s 851 sq ft plinth figure must not be treated as exclusive carpet area.
Personal names left out for privacy.
What are the reserve price and EMD for this flat?
The reserve is ₹27,54,000 and the earnest-money deposit (EMD) is ₹2,75,400. The published submission deadline is 19 Nov 2026, 5:00 PM IST. The online auction is a separate event; follow the notice’s payment and document instructions.
Who can bid for this flat, and how do I register?
Register on the auction portal and pay EMD by NEFT/RTGS; this booklet does not accept cash, cheque or demand draft. Supply the bid form, photo, PAN, address proof and transfer reference.
The original notarised indemnity on ₹500 stamp paper must reach ISARC’s registered office before the auction. A sole bidder must improve the reserve by at least one bid increment; no nominee substitution is allowed.
Does the bank have possession, and can I inspect it?
The lender’s sale notice says it has taken physical possession. The listing sets inspection for 13 Nov 2026, 11:00 AM–5:00 PM IST. Ask ISARC’s authorised officer before you pay the EMD.
What do I pay if my bid is accepted?
Pay 25% of the accepted price, including EMD, on the sale day or the next working day, and the balance 75% within 15 days under the booklet, without awaiting a further reminder. Default can forfeit the deposit and all amounts paid.
The main terms say unsuccessful EMD is returned within seven working days without interest, while the declaration ties refund to conclusion of a successful sale. Obtain written clarification of that refund trigger.
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 indemnity requires the bidder to investigate title and encumbrances over the preceding 50 years and accept broad claims/waiver provisions.
ISARC does not undertake to clear third-party interests for the purchaser.
What are the bidding rules?
Bids rise in increments of ₹30,000. 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.