A ground floor flat in Nungi, Maheshtala, West Bengal, listed by Aadhar Housing Finance Ltd. under the SARFAESI Act, 2002. This is its second listing since Sep 2026, with the reserve down 8.8% on the first.
Registration is open now. Reserve ₹6.50 L, EMD ₹65,000. Registration and EMD close 2 Nov 2026, 5:00 PM IST.
First seen · Source: Aadhar Housing Finance listing on bankeauctions.com
Compiled from Aadhar Housing Finance Ltd.’s listing 243257 on bankeauctions.com, as BiddingPulse’s records held it on 28 Oct 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.
The lowest bid the lender will accept is ₹6,50,000, with a ₹65,000 EMD due by 2 Nov 2026, 5:00 PM IST. It is the second listing we have recorded; the first asked ₹7,12,800.
All 2 listings we have recorded and their reserves, the property as the listing describes it, and what the SARFAESI sale rules require after the auction. BiddingPulse reads the sale notice only for the type of possession; inspection and dues are for you to check there. Names of borrowers and other people are left out.
Aadhar Housing Finance Ltd. is selling a ground floor flat in Nungi, Maheshtala, West Bengal. Its sale notice doesn’t say whether the lender’s possession is physical or symbolic. 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.
Bidding starts at the reserve price of ₹6,50,000. To take part you pay an earnest-money deposit (EMD) of ₹65,000, 10% of the reserve, by 2 Nov 2026, 5:00 PM IST. The online auction is scheduled for 3 Nov 2026, 3:00 PM–4:00 PM IST. Bids rise in steps of ₹10,000, and a late bid extends the auction by 5 minutes, with no limit.
The lender has listed this property 2 times since 1 Sep 2026. The reserve is down 8.8% on the first listing.
Use the official listing below to read the sale notice, register, pay the EMD and bid. Check every figure here against it first.
Aadhar Housing Finance has listed this property 2 times in our records, which start in May 2026. A listing counts as the same property when the lender, the city and nearly all of the description match. Banks don’t publish auction results, so the listings don’t say whether earlier rounds drew bids.
| Listing | Registration deadline | Reserve and EMD | Source |
|---|---|---|---|
| First listing | 1 Oct 2026 | Reserve ₹7,12,800 · EMD ₹71,280 | Listing 239419 |
| Current listing | 2 Nov 2026 | Reserve ₹6,50,000, down 8.8% · EMD ₹65,000 | Listing 243257 |
| Stage | Date | What it means | Source |
|---|---|---|---|
| Sale notice published | 13 Oct 2026 | The listing’s press-release date for the lender’s sale notice | Listing 243257 |
| Second listing seen | 15 Oct 2026 | First seen on bankeauctions.com | Listing 243257 |
| Inspection | In the sale notice | The listing sets no date; the notice says whether and when you can visit | Sale notice |
| Registration and EMD close | 2 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 243257 |
| Online auction | 3 Nov 2026, 3:00 PM–4:00 PM IST | On bankeauctions.com. Bids rise in steps of ₹10,000, and a late bid extends the auction by 5 minutes, with no limit | Listing 243257 |
| 25% of the price | Sale day or next working day | The EMD counts toward it | SARFAESI Rule 9(3) |
| The other 75% | Within 15 days | From the bank’s confirmation of the sale; up to three months if the bank agrees in writing. The sale notice can set an earlier date, such as the 15th day from the auction; confirm the date with the authorised officer. | SARFAESI Rule 9(4) |
| Sale certificate | Once paid in full | Issued by the bank’s authorised officer | SARFAESI Rule 9(6) |
The listing gives the property, the reserve, the EMD and the deadline. Possession, inspection, dues and the exact payment terms are in the lender’s sale notice, so read it before you pay the EMD.
A flat on the ground floor of Pratiksha Apartment, Holding B5-190/182/1-4, Kashimuddin Road, village Nungi, Ward 33, Maheshtala police station, Maheshtala, South 24 Parganas district, West Bengal. Its super built-up area is 360 sq ft, about 33.4 sq m. It is recorded under J.L. No. 43, R.S. dag No. 165, R.S. khatian No. 598, L.R. dag No. 190, and L.R. khatian Nos. 5361 and 5362.
Neighbours’ names left out for privacy.
A dag is a plot’s number in the mouza map and a khatian the record of rights that lists it; R.S. and L.R. are the older and newer surveys. A super built-up area adds a share of the building’s common areas, so the flat itself is smaller.
The listing sets no category of bidder. Bidding needs registration on bankeauctions.com with KYC documents and the EMD paid before the deadline, as the sale notice says. Registering or paying does not by itself make you eligible: the sale notice sets who may bid and on what terms, and BiddingPulse has not checked it for this listing.
The lender’s sale notice doesn’t say whether its possession is physical or symbolic. The listing gives no inspection date. Symbolic possession can leave an occupant in place. Ask Aadhar Housing Finance’s authorised officer before you pay the EMD.
None in the listing. Unpaid property tax, society maintenance, electricity or water charges, and any other claim on the property can pass to the buyer. Ask the authorised officer in writing what the lender knows of, and check the sale notice.
25% of the price, EMD included, on the sale day or the next working day, then the other 75% within 15 days of the bank confirming the sale; the bank can agree in writing to up to three months. The sale notice can set an earlier date, such as the 15th day from the auction; confirm the date with the authorised officer. The sale certificate follows full payment. Stamp duty and registration are extra and usually the buyer’s.
Bank sales are usually “as is where is”, with no recourse for defects found later. Under the sale rules a buyer who misses a payment loses the deposit already paid. The sale notice states the terms that apply.
Check the reserve, EMD, dates and terms on the lender’s listing before you act. Bid on bankeauctions.com, and register and pay the EMD as the sale notice says: online for some lenders, by demand draft at a branch for others.
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