Documents to obtain from the bank
- Auction notice with reserve price and EMD amount.
- Copy of the borrower's title deed.
- 13(2) demand notice and 13(4) possession notice.
- Latest bank valuation report (if shareable).
- Possession status confirmation (symbolic vs physical) in writing.
Site and locality checks
- Physical site visit — take photos and note occupancy.
- Compare reserve to portal listings on 99acres / MagicBricks.
- Talk to neighbours about the borrower and any disputes.
- Check road access, water, electricity.
- Check locality master plan / zoning.
Legal and title checks
- 30-year title search opinion from a property lawyer.
- Encumbrance certificate from the sub-registrar's office.
- Pending litigation search on ecourts.gov.in and drt.gov.in.
- RERA registration check (if applicable).
- Society / association NOC for flats.
Money and process checks
- Total budget = reserve + 8–15% costs (see /tools/auction-cost).
- Home loan in-principle sanction if funding.
- EMD paid via RTGS with UTR captured.
- Portal registration + DSC ready.
- Bidding strategy — max bid decided in advance.
Statutory dues discovery
- Property tax dues from municipal corp portal.
- Electricity and water bills.
- Society maintenance arrears.
- Development / conversion / betterment charges (plots).
- Pending capital gains TDS on prior sale (if any).