FlatReserve ₹8,73,180Register and pay the EMD by 20 Nov 2026
First seen · Source: Grihum Housing Finance listing on bankeauctions.com; lender’s sale documents
Key facts Grihum Housing Finance auction of a 3rd flat in Bamroli, Surat
Lender
Grihum Housing Finance
Status
Registration open
Property
Flat E/2/301
Address
Flat E/2/301, 3rd, Bamroli, Building E, Surat, Gujarat
Floor
3rd
Super built-up area
567 sq ft (52.67 sq m)
Built-up area
372 sq ft (34.55 sq m)
Possession
Physical
Sold under
SARFAESI Act, 2002
Online auction
23 Nov 2026, 11:00 AM–2:00 PM IST
Registration and EMD close
20 Nov 2026, 5:00 PM IST
Reserve price
₹8,73,180
Bidding
See the bidding rules below for increments and extensions
Inspection
16 Nov 2026, 11:00 AM–4:00 PM IST — confirm access; see the auction and payment timeline
Earnest money (EMD)
₹87,318, 10% of the reserve
Official source
Grihum Housing Finance listing 245550 on bankeauctions.com
Last verified
10 Nov 2026
Compiled from Grihum Housing Finance’s listing 245550 and its linked sale documents on bankeauctions.com, checked on 10 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 “₹8,73,180 reserve” means
What Grihum Housing Finance’s sale documents say
The reserve is ₹8,73,180, with an EMD of ₹87,318. The published submission deadline is 20 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 10 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: Grihum Housing Finance listing on bankeauctions.com; lender’s sale documents
Grihum Housing Finance is selling a 3rd flat in Bamroli, Surat, Gujarat. 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 ₹8,73,180 and the notice EMD is ₹87,318. Submission closes 20 Nov 2026, 5:00 PM IST. The online auction is scheduled for 23 Nov 2026, 11:00 AM–2:00 PM IST. See the bidding rules below for increments and extensions. Inspection is set for 16 Nov 2026, 11:00 AM–4:00 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: Grihum Housing Finance listing on bankeauctions.com; lender’s sale documents; SARFAESI sale rules
Stage
Date
What it means
Source
Sale notice dated
7 Nov 2026
The inspected notice is dated 7 November 2026. BiddingPulse first recorded this listing on 10 November; that is later discovery, not a new sale launch.
Sale notice
Listing seen
10 Nov 2026
First seen on bankeauctions.com
Listing 245550
Inspection
16 Nov 2026, 11:00 AM–4:00 PM IST
The matched newspaper row gives 16 November, 11:00 AM–4:00 PM IST. Arrange and confirm access with Grihum in advance.
Sale notice
Registration and EMD close
20 Nov 2026, 5:00 PM IST
The matched newspaper row requires submission before 5:00 PM IST on 20 November. Grihum’s older general terms mention 6:30 PM; they do not extend this property’s earlier notice-specific cutoff.
Listing 245550
Online auction
23 Nov 2026, 11:00 AM–2:00 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 10 Nov 2026. Follow the lender’s originals and any later amendment before paying.
Sale documents
What exactly is being sold?
Flat E/2/301 on the third floor of Building E, at the development printed as “Shlok Om P Dentity As Shlok Arced”, Bamroli village, Surat City taluka, Surat district, Gujarat. Super built-up area 567 sq ft (52.67 sq m); built-up area 372 sq ft (34.55 sq m).
The building name is garbled in the notice; verify it against the title records. Parent Revenue Survey 211, Block 292, Town Planning Scheme 58 (Bamroli), Original Plot 135, Final Plots 135-A and 135-B; the northern 7,814.39 sq m out of Final Plot 135-B’s9,465 sq m.
Boundaries: open-to-sky space north and east, Flat E-2-302 south, passage then Flat E-2-304 west.
Personal names left out for privacy.
BiddingPulse explainer
What do the listing’s terms mean?
A super built-up area adds a share of the building’s common areas, so the flat itself is smaller.
What are the reserve price and EMD for this flat?
The reserve is ₹8,73,180 and the earnest-money deposit (EMD) is ₹87,318. The published submission deadline is 20 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 bankeauctions.com, obtain login credentials and complete training. Submit the signed bid documents, PAN, identity and address evidence, EMD proof and self-attested copies online, by email and to the branch stated in the notice; originals may be required for verification.
A representative needs authority and identity proof. The newspaper accepts NEFT/RTGS or demand draft, while the five-page platform terms say NEFT/RTGS only.
Confirm the accepted method with Grihum before payment. The checked documents do not give a complete age, citizenship or residency eligibility test; registration alone does not establish eligibility.
Does the bank have possession, and can I inspect it?
The lender’s sale notice says it has taken physical possession. Arrange and confirm inspection with the authorised officer; see the auction and payment timeline for the full inspection note. Ask Grihum Housing Finance’s authorised officer before you pay the EMD.
What do I pay if my bid is accepted?
Pay 25% of the sale price, including EMD, on the same day or the next working day after acceptance. Pay the remaining 75% within 15 days of sale confirmation.
Any extension needs written agreement; the eight-page conditions cap it at three months from auction. Default may forfeit the EMD and other amounts paid and lead to resale.
Unsuccessful EMD is returned without interest; no fixed refund day is stated. The issuer’s general terms allow 30 business days for a refund after its own cancellation following confirmation.
What other charges or claims could I face?
The buyer bears property taxes, society charges, electricity and water dues, stamp duty, registration, transfer costs and other encumbrances. The notice row says NIL known encumbrances/court cases; that is a statement of the lender’s knowledge, not a clear-title or no-dues assurance.
What are the withdrawal, payment and sale risks?
The matched newspaper row states physical possession. It does not establish vacancy, condition, title or permitted use.
Inspect the property and title documents before bidding. The sale is on an as-is basis and needs the lender’s acceptance.
The bid undertaking says the buyer accepts the title papers held by the lender; additional copies it does not hold are not promised.
What are the bidding rules?
The linked documents differ: five-minute extensions are described as unlimited in one clause and limited to three in another; the eight-page terms also allow a 15-minute extension at the authorised officer’s discretion. Obtain the applicable rule from Grihum. The scheduled close is not a guaranteed final end.
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.
Open this property’s public listing and choose View NIT to read the sale notice and attached bid documents.