House in Sapnavat, Hapur district: Hinduja Housing Finance auction

The reserve is ₹19,72,000 and the earnest-money deposit (EMD) is ₹1,97,200. The published submission deadline is 7 Dec 2026, 5:00 PM IST. The online auction is a separate event; follow the notice’s payment and document instructions.

Register on bankeauctions.com and obtain activation after the lender verifies the EMD and complete signed bid form. Supply PAN, identity/address evidence and the documents required for your applicant type; carry originals for verification.

The lender’s documents disagree on how to pay the EMD: the Financial Express notice says all payment is by demand draft in favour of Hinduja Housing Finance Limited, payable at Delhi; the Jansatta notice allows a demand draft or RTGS/NEFT; and the e-auction tender document says the EMD is payable only by NEFT/RTGS and that cheques or drafts will not be accepted.

Confirm the accepted route with the authorised officer in writing before paying. The checked materials do not establish complete age, nationality, residency or category eligibility.

Confirm those conditions and local transfer restrictions with the lender before paying; platform registration alone does not establish eligibility.

The notice directs the sealed bid and DD to the authorised officer at Office 286, second floor, Pocket 1, Sector 25, Rohini, New Delhi 110085, although its branch header is in Hapur. Confirm delivery to the receiving office before sending it.

The lender’s sale notice doesn’t say whether its possession is physical or symbolic. The listing gives no inspection date. Ask Hinduja Housing Finance’s authorised officer before you pay the EMD.

The notice requires 25% of the bid, including EMD, on the same day or next working day and the remaining 75% by the 15th day after sale confirmation. Any extension requires the lender’s written agreement.

Default can forfeit the EMD and all other sums paid, with no claim on the property or resale proceeds. Unsuccessful EMD is refundable without interest, but a fixed refund period is not established in the checked notice.

The buyer bears statutory and other property dues, taxes, electricity and water charges, maintenance, stamp duty, registration and transfer expenses, including arrears where the notice requires them.

Verify title, encumbrances and the payable amounts independently; the bank’s known-encumbrance statement is not a clearance certificate. Arrange applicable tax deduction at source and transfer of utilities as required by the lender.

The property is sold as-is, without a warranty of vacant possession, title or permitted use. Inspect the property, access, occupation, title documents and approvals before bidding.

The highest bid remains subject to lender confirmation; the lender can reject, postpone or cancel the sale. A bid cannot be withdrawn after submission.

Bids must exceed the reserve price and increase by ₹10,000. The newspaper notice allows unlimited ten-minute extensions, but the e-auction tender document gives five-minute extensions: unlimited on its cover and in clause 8(ii), and three in clause 16.

Confirm the controlling rule before bidding; the printed end is scheduled, not a final closing guarantee.