The Haryana Shahari Vikas Pradhikaran (HSVP) has revolutionized property transactions in the state through its online auction platform. Participating in an HSVP e-Auction is not just about placing the highest bid — it’s also about understanding the financial steps involved, the mandatory payments, and the refund mechanisms that come into play depending on the outcome of the auction.
Whether you’re a first-time bidder or a seasoned investor, it’s crucial to familiarize yourself with how the e-Service Fee, Earnest Money Deposit (EMD), 10% property payment, and final installment structure work. Equally important is knowing how and when refunds are processed — especially if you’re not the successful bidder. This guide walks you through the entire financial journey, step-by-step, with clear explanations for each stage.
🧾 Step 1: Pre-Bidding Payments — What You Must Pay to Participate
Before you’re even allowed to enter the e-auction room and begin bidding, HSVP requires two initial payments — an e-Service Fee and an Earnest Money Deposit (EMD). These payments serve two distinct purposes and are processed in different ways.
🔹 A. e-Service Fee (Portal Access Fee)
The e-Service Fee is a nominal charge that every participant must pay to access the auction system. Think of it as a platform usage fee, similar to a service charge when booking tickets online.
Amount: ₹1,000 (One Thousand Rupees Only)
Mandatory for: All registered bidders, regardless of their bid intent or experience.
Payment Method: This payment is made only via online mode — you can use a debit card or internet banking.
Timing: It must be paid immediately after logging in and accepting the auction terms and conditions.
Once this fee is paid, it opens the door for you to proceed with the next steps of the auction process. However, it’s important to note that:
🚫 This amount is non-refundable. It is a fixed fee for using the digital platform and is not returned under any circumstances — even if you choose not to place a bid or if you lose the auction.
So, consider it the cost of entry into a highly regulated, transparent, and secure bidding ecosystem.
🔹 B. Earnest Money Deposit (EMD)
The Earnest Money Deposit, or EMD, is a far more significant payment. It serves as a security amount to show that you’re a genuine bidder. Without paying the EMD, you are not allowed to participate in the auction.
Amount: Varies from auction to auction. For residential plots, it could be ₹50,000 or more. For commercial properties or larger parcels of land, it might go into lakhs.
Purpose: This amount is a temporary deposit that ensures only serious and financially capable individuals or firms enter the auction.
Modes of Payment:
Online (instant): Debit card / Net Banking.
Offline (delayed): RTGS or NEFT via bank transfer using a system-generated challan.
If you choose RTGS/NEFT, you will be required to:
Generate a pre-filled challan from the e-Auction portal.
Take a printout of this challan and deposit the EMD amount through your bank.
Ensure that the amount reaches HSVP’s bank account at least one working day before the auction closes (T+1).
✅ Once the EMD is received and verified, you will be granted access to the auction room.
⚠️ Failure to deposit the EMD in time will mean disqualification from bidding, even if you’ve completed other formalities.
🔁 Step 2: Refund of EMD — For Unsuccessful Bidders
Not everyone who pays the EMD wins the auction. In fact, most auctions will have many bidders but only one winner. If you participate in an auction but are not the highest bidder, you are entitled to a full refund of your EMD.
🕒 Refund Timeline & Processing:
Refunds are automatically processed within 7 to 15 working days after the auction ends.
The system initiates the refund back to the same bank account from which the EMD was originally paid.
No manual request is required — the refund is triggered based on the system’s result once the auction concludes and final rankings are recorded.
🔍 If your EMD was paid using RTGS or NEFT, it is critical that your bank details were correctly entered in the challan before making the deposit. Mistakes or incorrect account numbers could lead to delays or failed refunds.
❗Refund of e-Service Fee:
Unlike the EMD, the e-Service Fee of ₹1,000 is non-refundable.
This applies in all scenarios, including cases where the auction is cancelled, postponed, or you choose not to place a bid after registration.
🏆 Step 3: Payments After Winning the Auction
Winning an auction on HSVP’s platform is a moment of triumph — but it also comes with immediate financial responsibilities. Once declared the highest bidder, you must proceed with the next phase of payments to secure your allotment.
🔹 A. 10% of the Final Bid Amount
This is the first and most crucial post-auction payment. The 10% is calculated on the total bid amount that you submitted and were accepted as the highest.
Deadline: This payment typically must be made within a few working days (as per the auction terms).
Purpose: It acts as the initial booking amount to confirm your intent to purchase the property.
Mode of Payment:
Go to your dashboard and select “Pay 10% of Highest Bid”.
Choose RTGS/NEFT as the mode.
Enter your bank details again — especially your refund account number, just in case.
The system will generate a challan. Print it and make the payment from your bank.
Return to the portal and click “Verify Payment” to confirm your transaction.
⚠️ Missing the deadline or failing to verify the payment can result in cancellation of allotment and forfeiture of your EMD.
🔹 B. Remaining 90% — Payment Structure Options
After paying the 10% booking amount, you’re expected to complete the remaining 90% of the total bid amount. HSVP gives you two payment structure options:
Option 1: Lump Sum Payment
You can pay the full 90% amount in one single transaction.
In some cases, HSVP may provide incentives or interest rebates for early or lump sum payment (subject to policy).
This option is ideal for buyers with liquid funds who want quick allotment and possession.
Option 2: Installment Plan
Alternatively, HSVP allows you to pay the 90% in installments (usually quarterly or half-yearly).
The number of installments and their duration depend on the category of the property and the specific auction terms.
These installments usually attract interest at prevailing government rates, which will be detailed in your letter of allotment.
📝 You must strictly follow the installment schedule. Any default or delay in payment could lead to penalty interest or even cancellation of the allotment.
🔄 Step 4: Refunds for Successful Bidders (in Special Cases)
Normally, successful bidders don’t receive any refund, as their EMD and 10% amounts are adjusted in the total cost of the property. However, under exceptional circumstances, you may be eligible for a refund even after winning:
Examples of Such Scenarios:
If HSVP later cancels the auction due to legal, technical, or administrative issues.
If there is a dispute or litigation related to the property after the auction ends.
If you voluntarily withdraw your bid before allotment is finalized, and HSVP permits the cancellation based on valid reasons.
Refund Procedure for Winners (if applicable):
You must submit a formal refund request to HSVP along with all supporting documents.
The authority may deduct administrative or processing fees from the refund.
Approved refunds are credited to the bank account you specified during payment.
⚠️ These cases are rare and are considered on a case-by-case basis by HSVP. They are not guaranteed and depend heavily on the department’s discretion.
📌 Final Tips to Ensure Smooth Transactions
🔍 Double-check account details before submitting payments.
📤 Always save payment receipts, challans, and transaction IDs.
🗓️ Follow deadlines strictly to avoid penalties or disqualification.
📩 Monitor your email and dashboard for updates, payment notices, and refund confirmations.
📞 Contact HSVP helpdesk immediately if refund doesn’t reflect within the expected time.
