A plot in Hira Nagar, Ludhiana district, Punjab, listed by HDB Financial Services Limited under the SARFAESI Act, 2002.
Registration is open now. Reserve ₹35.76 L, EMD ₹3,57,600. Registration and EMD close 2 Dec 2026, 5:00 PM IST.
Confirm before paying. Auction end time conflicts: newspaper 12:30 PM, signed letter 11:30 PM, bankeauctions.com 11:30 AM. Obtain confirmation from HDB.
First seen · Source: HDB Financial Services listing on bankeauctions.com; lender’s sale documents
Compiled from HDB Financial Services Limited’s listing 244679 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.
The reserve is ₹35,76,000, with an EMD of ₹3,57,600. All sources start the 4 December auction at 10:30 AM IST. The 29 October newspaper ends it at 12:30 PM; the 28 October signed letter prints 11:30 PM, while bankeauctions.com says 11:30 AM. The later newspaper window is shown with this unresolved conflict. Submission agrees at 2 December, 5 PM IST; the inspection time also differs between sources. The newspaper gives inspection on 1 December, 11 AM–1 PM IST; bankeauctions.com gives 1–2 PM. This page follows the newspaper inspection window. The highest bid is subject to acceptance under the sale notice.
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.
HDB Financial Services Limited is selling a plot in Hira Nagar, Ludhiana district, 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 ₹35,76,000 and the notice EMD is ₹3,57,600. All sources start the 4 December auction at 10:30 AM IST. The 29 October newspaper ends it at 12:30 PM; the 28 October signed letter prints 11:30 PM, while bankeauctions.com says 11:30 AM. The later newspaper window is shown with this unresolved conflict. Submission agrees at 2 December, 5 PM IST; the inspection time also differs between sources. The newspaper gives inspection on 1 December, 11 AM–1 PM IST; bankeauctions.com gives 1–2 PM. This page follows the newspaper inspection window. The online auction is scheduled for 4 Dec 2026, 10:30 AM–12:30 PM 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 1 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.
| Stage | Date | What it means | Source |
|---|---|---|---|
| Platform press date | 29 Oct 2026 | The listing’s press-release date for the lender’s sale notice | Listing 244679 |
| Listing seen | 31 Oct 2026 | First seen on bankeauctions.com | Listing 244679 |
| Inspection | 1 Dec 2026, 11:00 AM–1:00 PM IST | The window the sale notice gives to see the property; arrange it with the lender | Sale notice |
| Submission / EMD timing | 2 Dec 2026, 5:00 PM IST | All sources start the 4 December auction at 10:30 AM IST. The 29 October newspaper ends it at 12:30 PM; the 28 October signed letter prints 11:30 PM, while bankeauctions.com says 11:30 AM. The later newspaper window is shown with this unresolved conflict. Submission agrees at 2 December, 5 PM IST; the inspection time also differs between sources. The newspaper gives inspection on 1 December, 11 AM–1 PM IST; bankeauctions.com gives 1–2 PM. This page follows the newspaper inspection window. | Listing 244679 |
| Online auction | 4 Dec 2026, 10:30 AM–12:30 PM IST | On bankeauctions.com. Bids rise in steps of ₹10,000, and a late bid extends the auction by 5 minutes, with no limit | Sale notice |
| Payment after acceptance | Notice-specific deadlines | Read the payment deadlines and conditions below; the lender’s documents set the dates. | Sale documents |
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.
Plot 52, 100 sq yd, at Hira Nagar, Taraf Gehlewal village, hadbast 166, Ludhiana tehsil and district, Punjab, PIN 141007.
Khasras 388, 389, 390 and 391; khatta 778/879–782/882; jamabandi 2008–09; transfer deed 2019-20/106/1/25512 dated 13 February 2020. The notice prints two sides of 45 ft and two of 20 ft; a 20-foot-wide street is on the south.
The reserve is ₹35,76,000 and the earnest-money deposit (EMD) is ₹3,57,600. All sources start the 4 December auction at 10:30 AM IST. The 29 October newspaper ends it at 12:30 PM; the 28 October signed letter prints 11:30 PM, while bankeauctions.com says 11:30 AM. The later newspaper window is shown with this unresolved conflict. Submission agrees at 2 December, 5 PM IST; the inspection time also differs between sources. The newspaper gives inspection on 1 December, 11 AM–1 PM IST; bankeauctions.com gives 1–2 PM. This page follows the newspaper inspection window.
Register on bankeauctions.com and upload the signed bidder form and declaration, PAN card, identity and address proof, and proof of the EMD payment. The Punjab notice permits a bank transfer (NEFT/RTGS) or a demand draft/pay order. Printed copies must also be delivered.
The notice gives conflicting instructions: some clauses say drafts must be payable at Ludhiana, others at Chandigarh. The signed letters name SCO 70, Sector 47, Chandigarh; the newspaper gives SCO 277, Sector 47-D. Confirm the receiving office, payment instructions and acceptance of your application with HDB Financial Services before sending documents or 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 1 Dec 2026, 11:00 AM–1:00 PM IST. Symbolic possession can leave an occupant in place. Ask HDB Financial Services’s authorised officer before you pay the EMD.
The Punjab newspaper notice requires 25% including EMD immediately, no later than the next working day. The remaining 75% is due within 15 days from confirmation of sale by HDB. Failure to comply can forfeit money paid.
Unsuccessful EMD is refundable without interest; the attached declaration says it may be retained until successful conclusion of the sale, with no fixed refund period.
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.
The signed notice records symbolic possession. Obtaining physical possession, including any lawful tenant-eviction process, remains a material buyer risk. Submitted bids cannot be withdrawn, and the Punjab notice also risks forfeiture if an accepted applicant fails to participate. HDB can reject bids or stop the sale; full payment does not remove the need to verify title and possession.
New to bank auctions? Risks, costs and checks before a bank auction — the full guide.
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.
6 bank auctions in Ludhiana are open for registration now.
Ludhiana district, Punjab · first listing
Ludhiana district, Punjab · first listing
Ludhiana district, Punjab · first listing
Ludhiana district, Punjab · first listing