Flats in Kadodara: Grihum Housing Finance auction

The reserve is ₹4,93,500 and the earnest-money deposit (EMD) is ₹49,350. 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.

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.

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.

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.

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.

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.

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.