Every night we aggregate live SARFAESI & bank e-auction listings from across India. This is the shape of that market right now — how much distressed property is on the block, who's selling it, where it sits, and what it costs.
Who carries the risk
Distressed-asset risk isn't spread evenly across the financial system. One class of lender is doing almost all the visible liquidating.
Where the risk is concentrated
Each state is shaded by how much distressed value sits there — a heat map of where the country's bad loans are turning into auctions.
How concentrated is the risk
Credit-risk desks measure concentration with the Herfindahl-Hirschman Index (HHI) — the sum of squared market shares. Below ~1,500 is competitive; above 2,500 is "highly concentrated" and a systemic-risk flag.
Concentration, lender by lender
Each lender's live exposure, its share of the market, and its contribution to the HHI (share², in points — these sum to the lender index). Tap a column to sort.
| Lender | Type | Listings | Value at risk | Share | HHI pts ▼ |
|---|
The 80 / 20 of distress
Reserve values are wildly skewed: most listings are modest homes and shops, while a few enormous industrial and commercial lots dominate the rupees.
Reserve-price distribution · box = middle 50% of assets
Where the distress sits
A few states carry the bulk of the country's distressed property.
Who's offloading
Public-sector banks are clearing their books through auctions — but the volume is far from evenly spread.
What's actually on the block
Residential property dominates the count, yet the average industrial or commercial lot is worth several times the average home.
Average reserve, by type
The affordability ladder
Contrary to the reputation, most auctioned assets are within reach of ordinary buyers.
The auction wave
Bidding windows are clustered — a lot of these assets go under the hammer within weeks, not months.
Biggest assets on the block
The trophy end of the market — the single largest reserve prices in the live set. Tap any row to open the listing.
| Asset | Lender | Auction opens | Reserve |
|---|
District hotspots
Zooming past states to the districts with the most live listings.
Browse every live listing