HouseReserve ₹46.80 LRegister and pay the EMD by 9 Dec 2026
First seen · Source: HDB Financial Services listing on bankeauctions.com; lender’s sale documents
Key facts HDB Financial Services auction of a house in Dholewal, Ludhiana
Lender
HDB Financial Services Limited
Status
Registration open
Property
House B-21/10568/26/1
Address
House B-21/10568/26/1, abadi known as S.A.S. Nagar, village Dholewal, Ludhiana, Punjab
Plot area
100 sq yd
Possession
Symbolic
Sold under
SARFAESI Act, 2002
Online auction
11 Dec 2026, 10:30 AM–11:30 AM IST
Registration and EMD close
9 Dec 2026, 5:00 PM IST
Reserve price
₹46,80,000
Bidding
See the bidding rules below for increments and extensions
Inspection
8 Dec 2026, 1:00 PM–2:00 PM IST — confirm access; see the auction and payment timeline
Earnest money (EMD)
₹4,68,000, 10% of the reserve
Official source
HDB Financial Services listing 245291 on bankeauctions.com
Last verified
7 Nov 2026
Compiled from HDB Financial Services Limited’s listing 245291 and its linked sale documents on bankeauctions.com, checked on 7 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 “₹46.80 L reserve” means
What HDB Financial Services’s sale documents say
The reserve is ₹46,80,000, with an EMD of ₹4,68,000. The published submission deadline is 9 Dec 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 7 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: HDB Financial Services listing on bankeauctions.com; lender’s sale documents
HDB Financial Services Limited is selling a house in Dholewal, Ludhiana, Punjab. Its sale notice says the lender has taken symbolic 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 ₹46,80,000 and the notice EMD is ₹4,68,000. Submission closes 9 Dec 2026, 5:00 PM IST. The online auction is scheduled for 11 Dec 2026, 10:30 AM–11:30 AM IST. See the bidding rules below for increments and extensions. Inspection is set for 8 Dec 2026, 1:00 PM–2:00 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: HDB Financial Services listing on bankeauctions.com; lender’s sale documents; SARFAESI sale rules
Stage
Date
What it means
Source
Sale notice dated
31 Oct 2026
The signed notice is dated 31 October 2026; bankeauctions.com gives 3 November 2026 as its publication date. BiddingPulse first saw the listing on 6 November 2026.
Sale notice
Listing seen
6 Nov 2026
First seen on bankeauctions.com
Listing 245291
Inspection
8 Dec 2026, 1:00 PM–2:00 PM IST
The notice gives 8 December 2026, 1:00–2:00 PM IST, for inspection.
Sale notice
Registration and EMD close
9 Dec 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 245291
Online auction
11 Dec 2026, 10:30 AM–11:30 AM IST
The notice prints the auction time as “10.30 AM TO 11.30 PM”; bankeauctions.com lists 10:30–11:30 AM IST. The PM end looks like a misprint but is not confirmed; check the closing time with HDB before the auction. 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 7 Nov 2026. Follow the lender’s originals and any later amendment before paying.
Sale documents
What exactly is being sold?
House No. B-21/10568/26/1 on 100 sq yd, in village Dholewal, in the abadi known as S.A.S. Nagar, Ludhiana tehsil and district, Punjab, registered under transfer deed No. 2020-21/106/1/8033 of 29 October 2020.
A 20-foot street is on the east and a 12-foot street on the north, each with 18 feet of frontage; neighbours’ houses are on the west and south. The notice gives no built-up area.
This S.A.S. Nagar is a locality in Ludhiana, not Mohali district.
Personal names left out for privacy.
What are the reserve price and EMD for this house?
The reserve is ₹46,80,000 and the earnest-money deposit (EMD) is ₹4,68,000. The published submission deadline is 9 Dec 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 house, and how do I register?
Register on bankeauctions.com for the e-auction. Deposit the EMD and documents by 9 December 2026, 5:00 PM IST; the notice names HDB Financial Services, First Floor, SCO No. 70, Sector 47, Chandigarh, as the place to submit documents.
The notice does not list the KYC documents, the EMD payment method or any age, nationality, residency or entity requirement; confirm them with the authorised officer before paying. 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 symbolic possession: on paper, without moving anyone out. Arrange and confirm inspection with the authorised officer; see the auction and payment timeline for the full inspection note.
Symbolic possession can leave an occupant in place. Ask HDB Financial Services’s authorised officer before you pay the EMD.
What do I pay if my bid is accepted?
This three-page notice does not state the payment schedule after the auction, a refund date or forfeiture terms. Obtain HDB’s complete terms of sale in writing before bidding; do not assume a 15-day balance period.
What other charges or claims could I face?
The notice does not list dues or encumbrances. Check property tax, electricity and other dues, stamp duty and registration costs independently; BiddingPulse has not read a clause that assigns them.
What are the withdrawal, payment and sale risks?
HDB’s authorised officer states that symbolic possession has been taken; the notice does not say the house is vacant. The sale is on as-is,where-is and whatever-there-is terms. Check title, occupation and access before bidding.
What are the bidding rules?
bankeauctions.com shows a ₹10,000 increment. The notice allows further five-minute extensions without a stated limit.
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 bankeauctions.com page, then View NIT. The public download works from the ordinary page session; it failed when opened without that session. Match reserve ₹46,80,000 and EMD ₹4,68,000.