Land in Araipura, Karnal district: Hinduja Housing Finance auction

The reserve is ₹47,45,500 and the earnest-money deposit (EMD) is ₹47,45,500. The notice prints ₹47,45,500 as both reserve and EMD. bankeauctions.com shows ₹4,74,550 EMD, and the general terms say 10%. This page preserves the printed notice figure; obtain written clarification before paying. The published submission deadline is 27 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 and submit the signed bidder form and declaration, PAN card, and identity and address proof. The highest bidder must also send a signed confirmation of the final bid price. Confirm acceptance of your application with Hinduja Housing Finance.

The Haryana newspaper requires a sealed bid with an EMD demand draft payable to Hinduja Housing Finance at Karnal. The linked general tender instead requires a bank transfer (NEFT/RTGS) and rejects drafts. These instructions conflict. Obtain written confirmation of the accepted payment and delivery method before sending money.

The lender’s sale notice says it has taken symbolic possession: on paper, without moving anyone out. The lender’s sale notice sets inspection for 25 Nov 2026, 2:00 PM–5:00 PM IST. Symbolic possession can leave an occupant in place. Ask Hinduja Housing Finance’s authorised officer before you pay the EMD.

The Haryana notice requires 25% of the price, including EMD, on the sale day or the next working day; the balance is due by the fifteenth day after confirmation of sale, unless Hinduja Housing Finance agrees an extension in writing. Default can forfeit the deposit and lead to resale.

Unsuccessful EMD is refundable without interest; no fixed refund period is stated.

The purchaser bears stamp duty, registration, applicable tax deducted at source (TDS), property taxes, utility bills and other statutory or non-statutory charges. The notice requires charges to be cleared before the sale certificate. Obtain a written statement of dues and check title, permissions and the precise share independently; an absence of known encumbrances is not a title guarantee.

The property is offered as-is and without recourse. The notice gives no assurance of condition, permissions or exact measurement, and Hinduja Housing Finance may reject bids or postpone the sale. A submitted bid cannot be withdrawn. Symbolic possession is not delivery of a vacant property; inspect the site and establish the possession process before bidding.

The Haryana notice and lot page specify ₹10,000 steps and ten-minute extensions. The generic tender describes five-minute extensions and also conflicts over whether these are unlimited or limited to three. Confirm the applicable extension rules with Hinduja Housing Finance.