BOI Koyra Flat Auction: Flat in Vicky Housing Complex (320 sq ft) – Reserve ₹9.03 Lakh (9 Oct 2026)
Verified Listing Auction Closed
Property ID: BKN-366642
Property Description
The BOI Koyra flat auction listed by Bank of India on the BAANKNET e-auction portal is one of the upcoming flat opportunities in West Bengal. On offer is a flat in Vicky Housing Complex in Koyra, North Twenty Four Parganas (PIN 700125), with 320 sq ft built-up and 320 sq ft carpet area. The online auction runs on 9 October 2026 (11:00 AM to 5:00 PM) with a reserve price of ₹9,03,000.
The property is being sold under SARFAESI on an “as is where is, as is what is and whatever there is” basis. Below are the reserve price, EMD, key dates, location details, bidding steps and a due diligence checklist for this auction.
Table of Contents
Table of Contents
BOI Koyra Flat Auction: Key Highlights
- Reserve price: ₹9,03,000 (₹9.03 Lakh)
- EMD: ₹90,300
- Bid increment: ₹10,000
- Auction: 9 October 2026, 11:00 AM to 5:00 PM
- Last date for EMD: 9 October 2026, 5:00 PM
- Location: Koyra, North Twenty Four Parganas, West Bengal
- Possession: Physical
BOI Koyra Flat Auction – Complete Details
| Auction ID | 366642 |
| Bank property ID | BKIDKZO126 |
| Bank | Bank of India |
| Branch | C.i.t. New Road |
| Property type | Residential – Flat |
| Project / building | Vicky Housing Complex |
| Built-up area | 320 sq ft |
| Carpet area | 320 sq ft |
| Furnishing | Unfurnished |
| Locality | Madhyamgram |
| City / District | Koyra, North Twenty Four Parganas |
| State | West Bengal |
| PIN code | 700125 |
| Type of possession | Physical |
| Type of action | Under SARFAESI |
| Reserve price | ₹9,03,000 |
| EMD | ₹90,300 |
| Bid increment | ₹10,000 |
| Auto-extension | 10 minutes per late bid |
About the Location – Koyra
Koyra is in North Twenty Four Parganas district of West Bengal, under PIN code 700125. West Bengal’s property market centres on Kolkata and its suburbs, with growing demand in Howrah, Hooghly and North 24 Parganas as metro and road links improve. The handling branch is C.i.t. New Road, which is usually the best contact for site visits and local queries.
Is the BOI Koyra Flat Auction Worth It?
At the reserve price, the property works out to about ₹2,822 per sq ft of built-up area – compare this with recent resale rates in Koyra before you bid. The EMD of ₹90,300 is 10% of the reserve price and is refunded to unsuccessful bidders. Because the reserve price is fixed from a registered valuer’s report, it is often below the market rate – but factor in transfer costs and any dues before deciding your maximum bid. The bank holds physical possession, which usually makes handover after the sale smoother.
Important Dates for the BOI Koyra Flat Auction
- EMD submission opens: 29 September 2026
- Last date for EMD: 9 October 2026, 5:00 PM
- E-auction: 9 October 2026, 11:00 AM to 5:00 PM
- Auto-extension: 10 minutes for every bid in the last minutes
How to Bid on BAANKNET
- Register as a bidder on BAANKNET and complete e-KYC with PAN and Aadhaar.
- Search for Auction ID 366642 and download the sale notice and terms.
- Inspect the property during the inspection window by calling the branch contact on 9123320972.
- Pay the EMD of ₹90,300 through the BAANKNET wallet before 9 October 2026, 5:00 PM.
- Log in on 9 October 2026 and bid above the reserve in steps of ₹10,000; each late bid extends the auction by 10 minutes.
The successful bidder usually pays 25% of the bid amount (including EMD) immediately and the balance 75% within 15 days, unless the bank states otherwise. Stamp duty, registration charges, GST/TDS where applicable and any statutory dues are borne by the buyer.
Due Diligence Checklist Before Bidding
- Verify the title documents and the society or builder NOC.
- Check pending maintenance, property tax and utility dues.
- Confirm the possession status and whether the flat is occupied.
- Check the approved plan and occupancy certificate for the building.
- Read our tips for buying bank auction flats before you bid.
BOI Koyra Flat Auction: FAQs
What is the reserve price in the BOI Koyra flat auction?
The reserve price is ₹9,03,000. Bids below the reserve price are not accepted.
When is the BOI Koyra flat auction scheduled?
The e-auction is on 9 October 2026 from 11:00 AM to 5:00 PM. The last date for EMD is 9 October 2026, 5:00 PM.
How much EMD is required?
The earnest money deposit is ₹90,300. It is refunded to unsuccessful bidders.
Where is the property located?
It is in Koyra, North Twenty Four Parganas, West Bengal – 700125.
Where can I see the official sale notice?
Search Auction ID 366642 on the BAANKNET portal of the PSB Alliance to view the sale notice and bid.
More BOI and West Bengal Auctions
- All Bank of India auction listings
- More flat auctions
- Bank auctions in West Bengal
- Guide: home loan for auction property
Source: Auction ID 366642 on BAANKNET (PSB Alliance). eBankAuctions is an information platform and does not conduct auctions; details may change, so verify with Bank of India before bidding.
“The asset is being sold on “As is where is”, “As is what is” and “Whatever there is” basis through e-auction by Bank of India. Interested bidders are advised to inspect the asset and verify all details before participating.”
Property Details
| Type | Flats & Apartments |
|---|---|
| Built-up Area | 320 sq ft |
| Location | Koyra, North Twenty Four Parganas, North Twenty Four Parganas, West Bengal |
| Possession | Physical |
| Encumbrances | Please refer to the sale notice |
Location Map
Auction Timeline
- 29 Sep 2026Auction Notice Published
- 9 Oct 2026Last Date for EMD Submission
- 9 Oct 2026, 11:00 AM to 5:00 PMe-Auction (Online Bidding)
- Post AuctionHighest Bidder Intimation
- Within Specified TimePayment & Documentation
Important Information
- The asset will be sold to the highest bidder subject to confirmation by the bank.
- Bidders must remit the EMD before the last date mentioned in the sale notice.
- The successful bidder usually pays 25% of the bid amount (including EMD) immediately and the balance within 15 days, unless the bank specifies otherwise.
- For detailed terms and conditions, please refer to the official bank sale notice.
- This is a bank e-auction and not a private sale.
- eBankAuctions is a directory platform and does not conduct the auction. Please contact the respective bank for all auction-related queries.