HouseReserve ₹77.91 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 Pirubanda, Ludhiana
Lender
HDB Financial Services Limited
Status
Registration open
Property
House 1308/3
Address
House 1308/3, Sewakpura, village Pirubanda, Ludhiana 141003, Punjab
Land area
150 sq yd
Possession
Symbolic
Sold under
SARFAESI Act, 2002
Online auction
11 Dec 2026, 10:30 AM–12:30 PM IST
Registration and EMD close
9 Dec 2026, 5:00 PM IST
Reserve price
₹77,91,000
Bidding
See the bidding rules below for increments and extensions
Inspection
8 Dec 2026, 11:00 AM–1:00 PM IST — confirm access; see the auction and payment timeline
Earnest money (EMD)
₹7,79,100, 10% of the reserve
Official source
HDB Financial Services listing 245261 on bankeauctions.com
Last verified
6 Nov 2026
Compiled from HDB Financial Services Limited’s listing 245261 and its linked sale documents on bankeauctions.com, checked on 6 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 “₹77.91 L reserve” means
What HDB Financial Services’s sale documents say
The reserve is ₹77,91,000, with an EMD of ₹7,79,100. 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 6 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 Pirubanda, 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 ₹77,91,000 and the notice EMD is ₹7,79,100. Submission closes 9 Dec 2026, 5:00 PM IST. The online auction is scheduled for 11 Dec 2026, 10:30 AM–12:30 PM IST. See the bidding rules below for increments and extensions. Inspection is set for 8 Dec 2026, 11:00 AM–1:00 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
3 Nov 2026
The signed letter is dated 31 October 2026 and the newspaper sale notice 3 November. This page uses the newspaper publication date; BiddingPulse first saw the listing on 6 November.
Sale notice
Listing seen
6 Nov 2026
First seen on bankeauctions.com
Listing 245261
Inspection
8 Dec 2026, 11:00 AM–1:00 PM IST
Inspection times conflict: the 31 October signed letter gives 8 December, 1:00–2:00 PM IST; the 3 November English newspaper gives 11:00 AM–1:00 PM. Confirm an appointment with HDB; the earlier newspaper window is displayed.
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 245261
Online auction
11 Dec 2026, 10:30 AM–12:30 PM IST
The signed 31 October letter prints 11 December, 10:30 AM–11:30 PM IST. The 3 November English newspaper and platform show 10:30 AM–12:30 PM. The later newspaper window is displayed; an explicit correction to the signed letter has not been verified. 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 6 Nov 2026. Follow the lender’s originals and any later amendment before paying.
Sale documents
What exactly is being sold?
House 1308/3 on 150 sq yd of land, Sewakpura, village Pirubanda, Hadbast 167, Ludhiana tehsil and district, Punjab 141003. The building’s floor area is not stated.
Records: Khasra 2821/112 and 121, Khewat 2259 and 2262, Khatauni 2659 and 2662, Jamabandi 2006–07; transfer deed 1572 dated 20 April 2016. The east and west sides are 60 ft and north and south sides 22½ ft.
Public boundary: a 20-foot-wide street on the north; the remaining sides identify private properties.
Personal names left out for privacy.
What are the reserve price and EMD for this house?
The reserve is ₹77,91,000 and the earnest-money deposit (EMD) is ₹7,79,100. 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 and upload EMD proof, PAN, self-attested identification and address proof, and signed Annexures I and II. Submit the bid form, enclosure copies and UTR to the lender by 9 December 2026, 5:00 PM IST.
The signed letter gives first floor, SCO 70, Sector 47, Chandigarh; the newspaper’s hand-delivery clause instead gives SCO 277, first floor, Sector 47 D, Chandigarh 160047. Confirm the delivery office before sending documents.
The notice permits NEFT/RTGS and also DD/pay order in later clauses. Full age, nationality, residency and entity-eligibility conditions are not stated.
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?
Pay 25% of the sale price, including EMD, immediately and no later than the next working day. The remaining 75% is due within 15 days of sale confirmation by HDB.
Default can forfeit the EMD or 25% paid; non-participation after submitting a bid can also forfeit EMD. Unsuccessful-bidder EMD is returned without interest, with no fixed refund day stated.
The sale certificate follows compliance and payment.
What other charges or claims could I face?
The buyer bears stamp duty, registration, conveyance, applicable TDS, all property taxes and authority dues, water and electricity arrears and other charges. HDB does not undertake to obtain permissions or NOCs, or clear third-party interests.
What are the withdrawal, payment and sale risks?
The notice states symbolic possession. The purchaser may need to obtain possession or address tenants under the applicable process.
Inspect title, occupation, extent, access and all encumbrances before committing. Sale is as-is; HDB may reject offers, alter terms, postpone or cancel, and may allow further inter-se bidding.
No title or fitness guarantee is given.
What are the bidding rules?
The offer must be above reserve, with ₹10,000 increases. The newspaper provides unlimited five-minute extensions.
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. Match Sewakpura, reserve ₹77,91,000, EMD ₹7,79,100 and the 11 December 2026 auction. Yugmarg, 3 November 2026, PDF p. 1, second HDB property row and complete conditions; Hindi companion. Signed HDB letter dated 31 October 2026, pp. 1–3, property annexure and timetable.