Banking Asset Recovery Desk
Liquidation Discount
Up to35%Below Mkt
SARFAESI Cleared Freehold Title
Min. Investment₹ 5 Cr
Tenure12 Months
🏷️ SARFAESI Act Verified · 20% to 40% Below Circle Rates
Institutional Bank Auctions: Prime Properties at Deep Market Discounts.
Access verified bank-auctioned residential, commercial, and industrial properties with complete title clearance and physical possession guidance.
Due Diligence Protocol
5-Stage Auction Due Diligence Protocol
We eliminate the legal and physical possession risks typical of distressed assets.
Stage 1
Physical Inspection
On-ground verification of property status, current occupants, physical encumbrances, and municipal boundaries.
Stage 2
Municipal Dues Audit
Forensic audit of unpaid property taxes, electricity arrears, and society maintenance charges.
Stage 3
SARFAESI Order Check
Validation of Section 13(4) possession notices and confirmation of zero stay orders in DRT/High Courts.
Stage 4
Sale Certificate
Assistance in obtaining absolute Sale Certificate from authorized bank officer and formal municipal mutation.
Financial Alpha
Distress Asset Valuation Advantage
Acquire prime residential and commercial real estate significantly below prevailing circle and market rates.
01
20% to 40% Discount
Banks price distressed assets at reserve prices calculated to recover debt exposure rather than capture full market margins.
✓ Substantial Capital Discount02
Statutory SARFAESI Protection
Securitisation and Reconstruction of Financial Assets Act gives statutory finality to auction sales under Section 13(4).
✓ Statutory Legal Backing03
Pre-Approved Bank Financing
Most auction properties qualify for priority institutional balance-sheet funding and pre-approved mortgage loans.
✓ Priority Debt FinancingAuction Notices
Active Bank Auction Mandates
Explore verified offerings with indicative yields, institutional terms, and direct digital application portals.
Auction Intelligence
Distress Asset Calculators & Legal Protocols
Model true acquisition costs and evaluate Section 13(4) statutory notices.
Valuation Tool🏷️ SARFAESI Desk
SARFAESI Circle Rate & Valuation Screener
Evaluate the delta between reserve auction price and prevailing municipal circle rates to calculate net discount.
Bidding Guidelines📄 Bidding Manual
E-Auction Tender & DSC Setup Guide
Step-by-step procedural manual for E-Auction portal registration, DSC verification, and earnest money deposit (EMD).
Possession Desk🔒 Possession Team
Physical Possession & Police Assistance Desk
Connect with our distress asset desk to verify physical possession status under Chief Metropolitan Magistrate orders.
Clarity & Governance
Frequently Asked Questions
Clear, straightforward answers regarding process, safety, tax treatment, and liquidity.
What is the difference between Physical Possession and Symbolic Possession?
Symbolic Possession means the bank has legal right on paper, but the borrower or tenant still physically occupies the property. Physical Possession means the bank has physically evicted the borrower with court/magistrate assistance and holds the actual physical keys. MFeasy strongly recommends bidding only on Physical Possession properties.
What is the payment timeline after winning an auction bid?
As per SARFAESI rules: (1) You deposit 10% EMD to participate, (2) If you win, you must pay another 15% immediately (total 25% on the auction day), and (3) The remaining 75% balance must be paid within 15 days (extendable up to 90 days with bank written approval).
Who is responsible for past unpaid electricity, society, or municipal dues?
Properties are typically sold on an 'As is where is' basis. While banks recover loan dues, past municipal property tax or society dues may attach to the property. Our legal due diligence identifies these liabilities prior to bidding so you factor them into your bid calculation.
Can the original defaulting borrower challenge the auction in court?
Borrowers can appeal to the Debt Recovery Tribunal (DRT) under Section 17 within 45 days. However, recent Supreme Court rulings have severely restricted frivolous appeals once the bank completes proper procedure and issues the statutory Sale Certificate.
Regulatory Disclosure & Risk Notice: Bank auction properties are sold by financial institutions under the SARFAESI Act, 2002 or Insolvency and Bankruptcy Code (IBC) on an 'As is where is, whatever there is' basis. Acquisition involves strict settlement timelines and potential legal delays. KS Finoleg Services Pvt Ltd (MFeasy) provides legal research, property due diligence, and advisory facilitation.