A house in Kasumpti, Shimla district, Himachal Pradesh, listed by HDB Financial Services Limited under the SARFAESI Act, 2002. This is its second listing since Aug 2026, at the same reserve.
Registration is open now. Reserve ₹1,07,72,532, EMD ₹10,77,253. Registration and EMD close 13 Nov 2026, 5:00 PM IST.
First seen · Source: HDB Financial Services listing on bankeauctions.com
Compiled from HDB Financial Services Limited’s listing 243858 on bankeauctions.com, as BiddingPulse’s records held it on 28 Oct 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.
The lowest bid the lender will accept is ₹1,07,72,532, with a ₹10,77,253 EMD due by 13 Nov 2026, 5:00 PM IST. It is the second listing we have recorded; the first asked ₹1,07,72,532.
All 2 listings we have recorded and their reserves, the property as the listing describes it, and what the SARFAESI sale rules require after the auction. BiddingPulse reads the sale notice only for the type of possession; dues are for you to check there. Names of borrowers and other people are left out.
HDB Financial Services Limited is selling a house in Kasumpti, Shimla district, Himachal Pradesh. 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.
Bidding starts at the reserve price of ₹1,07,72,532. To take part you pay an earnest-money deposit (EMD) of ₹10,77,253, 10% of the reserve, by 13 Nov 2026, 5:00 PM IST. The online auction is scheduled for 16 Nov 2026, 10:30 AM–11:30 AM IST. Bids rise in steps of ₹10,000, and a late bid extends the auction by 5 minutes, with no limit. Inspection is set for 11 Nov 2026, 1:00 PM–2:00 PM IST.
The lender has listed this property 2 times since 5 Aug 2026. The reserve has not changed.
Use the official listing below to read the sale notice, register, pay the EMD and bid. Check every figure here against it first.
HDB Financial Services has listed this property 2 times in our records, which start in May 2026. A listing counts as the same property when the lender, the city and nearly all of the description match. Banks don’t publish auction results, so the listings don’t say whether earlier rounds drew bids.
| Listing | Registration deadline | Reserve and EMD | Source |
|---|---|---|---|
| First listing | 17 Aug 2026 | Reserve ₹1,07,72,532 · EMD ₹10,77,253 | Listing 236377 |
| Current listing | 13 Nov 2026 | Reserve ₹1,07,72,532, unchanged · EMD ₹10,77,253 | Listing 243858 |
| Stage | Date | What it means | Source |
|---|---|---|---|
| Sale notice published | 19 Oct 2026 | The listing’s press-release date for the lender’s sale notice | Listing 243858 |
| Second listing seen | 23 Oct 2026 | First seen on bankeauctions.com | Listing 243858 |
| Inspection | 11 Nov 2026, 1:00 PM–2:00 PM IST | The window the listing gives to see the property; arrange it with the lender | Listing 243858 |
| Registration and EMD close | 13 Nov 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 243858 |
| Online auction | 16 Nov 2026, 10:30 AM–11:30 AM IST | On bankeauctions.com. Bids rise in steps of ₹10,000, and a late bid extends the auction by 5 minutes, with no limit | Listing 243858 |
| 25% of the price | Sale day or next working day | The EMD counts toward it | SARFAESI Rule 9(3) |
| The other 75% | Within 15 days | From the bank’s confirmation of the sale; up to three months if the bank agrees in writing. The sale notice can set an earlier date, such as the 15th day from the auction; confirm the date with the authorised officer. | SARFAESI Rule 9(4) |
| Sale certificate | Once paid in full | Issued by the bank’s authorised officer | SARFAESI Rule 9(6) |
The listing gives the property, the reserve, the EMD and the deadline. Possession, inspection, dues and the exact payment terms are in the lender’s sale notice, so read it before you pay the EMD.
House 9 on 62 sq m of land, about 667 sq ft, in village Kasumpti Koti, Shimla tehsil and district, Himachal Pradesh. It is recorded under khatoni 177/209 and 4 khasra numbers, as per mutation 328.
Owner’s name left out for privacy.
A khewat is the owners’ account of a holding in the village record, and a khatoni the cultivators’ account within it. A khasra number is a field’s number in the village map. The jamabandi is the village record of rights, revised every five years; a mutation enters a change of owner in it.
The listing sets no category of bidder. Bidding needs registration on bankeauctions.com with KYC documents and the EMD paid before the deadline, as the sale notice says. Registering or paying does not by itself make you eligible: the sale notice sets who may bid and on what terms, and BiddingPulse has not checked it for this listing.
The lender’s sale notice says it has taken physical possession. The listing sets inspection for 11 Nov 2026, 1:00 PM–2:00 PM IST. Ask HDB Financial Services’s authorised officer before you pay the EMD.
None in the listing. Unpaid property tax, society maintenance, electricity or water charges, and any other claim on the property can pass to the buyer. Ask the authorised officer in writing what the lender knows of, and check the sale notice.
25% of the price, EMD included, on the sale day or the next working day, then the other 75% within 15 days of the bank confirming the sale; the bank can agree in writing to up to three months. The sale notice can set an earlier date, such as the 15th day from the auction; confirm the date with the authorised officer. The sale certificate follows full payment. Stamp duty and registration are extra and usually the buyer’s.
Bank sales are usually “as is where is”, with no recourse for defects found later. Under the sale rules a buyer who misses a payment loses the deposit already paid. The sale notice states the terms that apply.
Check the reserve, EMD, dates and terms on the lender’s listing before you act. Bid on bankeauctions.com, and register and pay the EMD as the sale notice says: online for some lenders, by demand draft at a branch for others.
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