Shop in Surat: PNB Housing Finance auction

The reserve is ₹9,13,000 and the earnest-money deposit (EMD) is ₹91,300. The published submission deadline is 12 Nov 2026, 5:00 PM IST. The online auction is a separate event; follow the notice’s payment and document instructions.

Submit the signed bid form, 10% EMD and self-attested PAN, identity and residence proof by 12 November 2026; the platform supplies a 5:00 PM IST cutoff, while the newspaper gives the date only. Produce originals for verification and obtain portal credentials.

The bid kit uses a demand draft/pay order; confirm the branch’s accepted payment and document-delivery route before remitting.

The lender’s sale notice says it has taken physical possession. This is the date and noon–4:00 PM IST window in this property’s own notice row. Arrange access with the bank; a passed appointment is not proof the auction was cancelled. Ask PNB Housing Finance’s authorised officer before you pay the EMD.

Pay 25% of the price, including EMD, on the sale day or the next working day. The newspaper gives 15 days from acknowledgement of the sale-confirmation letter for the remaining 75%; the bid kit instead says on or before the 15th day of sale confirmation.

Obtain written confirmation of the applicable clock. Any extension is discretionary and must be written.

Payment default can forfeit the deposit and all sums paid. EMD carries no interest; the reviewed pack does not promise a fixed unsuccessful-bid refund date.

The buyer bears stamp duty, registration and transfer costs, applicable taxes, municipal and utility dues and other liabilities affecting the property. Verify title, access, permitted use and outstanding charges independently before bidding.

The sale is on as-is terms and remains subject to the authorised officer’s acceptance. The lender may reject bids, postpone or cancel the sale under its notice.

Possession wording is not a guarantee of vacant access or clear title. The bid kit requires an undertaking that the buyer has inspected the available title documents and will not demand unavailable documents.

The sale certificate is issued only in the successful bidder’s name; no nomination facility is offered.

Bids rise in increments of ₹10,000. The scheduled closing time may extend under the notice’s late-bid rules.