Bids rise in steps of ₹50,000, and a late bid extends the auction by 5 minutes, with no limit
Inspection
The Anand newspaper permits inspection on 27–28 November 2026 during office hours, without exact hours. Confirm an appointment with HDB.
Earnest money (EMD)
₹9,51,975, 10% of the reserve — The property table states EMD of ₹9,51,975. The Anand newspaper’s submission clause instead says the EMD must not be below the reserve price. Those instructions conflict; the table amount is retained here. Obtain written confirmation of the required deposit before paying.
Official source
HDB Financial Services listing 244690 on bankeauctions.com
Last verified
1 Nov 2026
Compiled from HDB Financial Services Limited’s listing 244690 and its linked sale documents on bankeauctions.com, checked on 1 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 “₹95,19,745 reserve” means
What HDB Financial Services’s sale documents say
The reserve is ₹95,19,745, with an EMD of ₹9,51,975. The property table states EMD of ₹9,51,975. The Anand newspaper’s submission clause instead says the EMD must not be below the reserve price. Those instructions conflict; the table amount is retained here. Obtain written confirmation of the required deposit before paying. 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 1 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 plot in Anand, Gujarat. 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 ₹95,19,745 and the notice EMD is ₹9,51,975. The property table states EMD of ₹9,51,975. The Anand newspaper’s submission clause instead says the EMD must not be below the reserve price. Those instructions conflict; the table amount is retained here. Obtain written confirmation of the required deposit before paying. The online auction is scheduled for 2 Dec 2026, 11:00 AM–4:00 PM IST. Bids rise in steps of ₹50,000, and a late bid extends the auction by 5 minutes, with no limit.
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
Platform press date
30 Oct 2026
The listing’s press-release date for the lender’s sale notice
Listing 244690
Listing seen
31 Oct 2026
First seen on bankeauctions.com
Listing 244690
Inspection
In the sale notice
The Anand newspaper permits inspection on 27–28 November 2026 during office hours, without exact hours. Confirm an appointment with HDB.
Sale notice
Registration and EMD close
1 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 244690
Online auction
2 Dec 2026, 11:00 AM–4:00 PM IST
On bankeauctions.com. Bids rise in steps of ₹50,000, and a late bid extends the auction by 5 minutes, with no limit
Read the requirements and risks from this lot’s sale documents, checked on 1 Nov 2026. Follow the lender’s originals and any later amendment before paying.
Sale documents
What exactly is being sold?
Residential sub-plot 1 measures 164.83 sq m within a 989 sq m parent final plot, in town-planning scheme 3, Anand, Gujarat 388001. Only the sub-plot is offered. Revenue survey 328/3; final plot 326; city survey 401, Mouje Anand, Anand sub-district. The parent final plot is 989 sq m; only the 164.83 sq msub-plot is offered. The notice describes residential property but gives no separate building area. North: 3.40 m margin and final plot 327; south: 20-foot scheme road; east: sub-plot 2; west: 1.50 m margin and final plot 323/2.
What are the reserve price and EMD for this plot?
The reserve is ₹95,19,745 and the earnest-money deposit (EMD) is ₹9,51,975. The property table states EMD of ₹9,51,975. The Anand newspaper’s submission clause instead says the EMD must not be below the reserve price. Those instructions conflict; the table amount is retained here. Obtain written confirmation of the required deposit before paying. The published submission deadline is 1 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 plot, and how do I register?
Register on bankeauctions.com and upload the signed bidder form and declaration, PAN card, identity and address proof, and a copy of the EMD demand draft. This Anand notice requires payment by demand draft.
Submit the required documents by 1 December at 5 PM IST. The authorised officer must verify them. Confirm the draft payee and delivery instructions with HDB Financial Services before payment.
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. The Anand newspaper permits inspection on 27–28 November 2026 during office hours, without exact hours. Confirm an appointment with HDB. 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?
The Anand newspaper requires 25% of the sale price including EMD within 24 hours after the authorised officer accepts the bid. The remaining 75% is due by the fifteenth day of sale, unless an extension is agreed in writing. Default may forfeit deposits and lead to re-auction.
Unsuccessful EMD is refundable without interest; the bidder declaration links return to successful conclusion and gives no fixed period.
What other charges or claims could I face?
The purchaser bears stamp duty, registration, tax deducted at source (TDS) where applicable, development-authority dues, municipal taxes, utility arrears and other charges. HDB does not undertake to obtain permissions or no-objection certificates (NOCs). Check title, permitted use, occupants and encumbrances independently; unknown dues are not a promise of clear title.
What are the withdrawal, payment and sale risks?
The signed notice records symbolic possession. Obtaining physical possession, including any lawful tenant-eviction process, remains a material buyer risk. HDB can reject bids or stop the sale. Payment default can forfeit deposits; full payment does not remove the need to verify title and possession.
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.