Bank Auctions

Home - Bank Auctions

Bank Auctions

1,26,040 listings · updated continuously from bank & portal sources.

Favourites
1,26,040 auctions found
Flat for sale in Dadar Mumbai
Closed
15 1

Flat for sale in Dadar Mumbai

📍 Mumbai
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARB25850458
Reserve Price ₹1.5 Cr
EMD ₹15 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 5:30 pm
Inspection 22 Oct 2026, 11:00 am – 1:00 pm
Possession Physical
750 square feet Flat for sale in HARIDEVPUR KOLKATA Kolkata
Closed
24 3

750 square feet Flat for sale in HARIDEVPUR KOLKATA Kolkata

📍 Kolkata
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARB622720260004
Reserve Price ₹27.35 L
EMD ₹2.74 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 6–29 Oct 2026
Possession Physical
850 square feet Flat for sale in VIJALPORE Navsari
Closed
2 3

850 square feet Flat for sale in VIJALPORE Navsari

📍 Navsari
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARB06193199
Reserve Price ₹11.02 L
EMD ₹1.1 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 26 Oct 2026, 1:00 pm – 4:00 pm
Possession Physical
CAR for sale in Bhandoo Charnan, Jodhpur Jodhpur
Closed
5 2

CAR for sale in Bhandoo Charnan, Jodhpur Jodhpur

📍 Jodhpur
🏦 Bank of Baroda
🏷 Vehicle · Car · Lot BARB0CAR2267
Reserve Price ₹24.2 L
EMD ₹2.42 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 29 Oct 2026, 4:00 pm
Inspection 28 Oct 2026, 10:00 am – 12:00 pm
Possession Physical
608 square feet Flat for sale in Andul, Howrah Andul
Closed
17 3

608 square feet Flat for sale in Andul, Howrah Andul

📍 Howrah
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARB622720250003
Reserve Price ₹13.81 L
EMD ₹1.38 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 6–29 Oct 2026
Possession Physical
59.28 square meter Individual House for sale in Navsari
Closed
1 3

59.28 square meter Individual House for sale in Navsari

📍 Navsari
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARBDABHELDIPAKKOLI
Reserve Price ₹15.12 L
EMD ₹1.51 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 26 Oct 2026, 1:00 pm – 4:00 pm
Possession Physical
2016 Tata Winger Staff 9 Seater Van 194955 km 10 years for sale in pHOENIX ENTERPRISES Devanahalli
Closed
3 2

2016 Tata Winger Staff 9 Seater Van 194955 km 10 years for sale in pHOENIX ENTERPRISES Devanahalli

📍 Bangalore
🏦 Bank of Baroda
🏷 Vehicle · Van · Lot BARBMADHUSUDHAN
Reserve Price ₹72,000
EMD ₹7,200
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 2:00 pm
Inspection 23–29 Oct 2026
Possession Physical
350 square feet Office for sale in Rajpur Sonarpur Municipality within Mouza- Laskarpur Kolkata
Closed
17 3

350 square feet Office for sale in Rajpur Sonarpur Municipality within Mouza- Laskarpur Kolkata

📍 Kolkata
🏦 Bank of Baroda
🏷 Commercial · Office · Lot BARB622720260007
Reserve Price ₹27.95 L
EMD ₹2.8 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 6–29 Oct 2026
Possession Physical
629 square feet Flat for sale in Shibpur howrah Howrah
Closed
21 3

629 square feet Flat for sale in Shibpur howrah Howrah

📍 Howrah
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARB622720260010
Reserve Price ₹16.54 L
EMD ₹1.65 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 2:00 pm
Inspection 9–29 Oct 2026
Possession Physical
53.69 square meter Individual House for sale in lakeview residency vijalpore tal jalalpore navsari Navsari
Closed
1 3

53.69 square meter Individual House for sale in lakeview residency vijalpore tal jalalpore navsari Navsari

📍 Navsari
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARBDABHELPOOJAPAWAR
Reserve Price ₹10.8 L
EMD ₹1.08 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 26 Oct 2026, 1:00 pm – 4:00 pm
Possession Physical
54.88 square meter Individual House for sale in ADHA RESIDENCY,OPP SURABHI SOCIETY, NIJALPORE, NAVSARI-396445 Navsari
Closed
26 3

54.88 square meter Individual House for sale in ADHA RESIDENCY,OPP SURABHI SOCIETY, NIJALPORE, NAVSARI-396445 Navsari

📍 Navsari
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARBMAROLIHEMLATANAIKA
Reserve Price ₹16.38 L
EMD ₹1.64 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 26 Oct 2026, 1:00 pm – 4:00 pm
Possession Physical
500 square feet Flat for sale in , Laskarpur Road, Kamdahari Kolkata
Closed
22 3

500 square feet Flat for sale in , Laskarpur Road, Kamdahari Kolkata

📍 Kolkata
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARBbarb622720260006
Reserve Price ₹16.4 L
EMD ₹1.64 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 6–29 Oct 2026
Possession Physical
750 square feet Flat for sale in Liluah Chamrail
Closed
18 3

750 square feet Flat for sale in Liluah Chamrail

📍 Howrah
🏦 Bank of Baroda
🏷 Residential · Flat · Lot BARB622720260011
Reserve Price ₹16.22 L
EMD ₹1.62 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 2:00 pm
Inspection 9–29 Oct 2026
Possession Physical
44.14 square meter Individual House for sale in Navsari
Closed
3 2

44.14 square meter Individual House for sale in Navsari

📍 Navsari
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARB93410571
Reserve Price ₹10.35 L
EMD ₹1.04 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 26 Oct 2026, 1:00 pm – 4:00 pm
Possession Physical
1946 square feet Individual House for sale in Maheshtala Kolkata
Closed
11 3

1946 square feet Individual House for sale in Maheshtala Kolkata

📍 Kolkata
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARB622720260012
Reserve Price ₹36.52 L
EMD ₹3.65 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 6–29 Oct 2026
Possession Physical
2023 Mahindra Scorpio / Scorpio Classic S11 SUV 50000 km 3 years for sale in BROADWAY VENTURE Vadodara
Closed
3 3

2023 Mahindra Scorpio / Scorpio Classic S11 SUV 50000 km 3 years for sale in BROADWAY VENTURE Vadodara

📍 Vadodara
🏦 Bank of Baroda
🏷 Vehicle · Car · Lot BARB051245416
Reserve Price ₹6.86 L
EMD ₹68,600
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 5:00 pm
Inspection 28 Oct 2026, 10:00 am – 4:00 pm
Possession Physical
152.18 square meter Individual House for sale in VISNAGAR Visnagar
Closed
4 4

152.18 square meter Individual House for sale in VISNAGAR Visnagar

📍 Visnagar
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARB015001
Reserve Price ₹19.87 L
EMD ₹1.99 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 28 Oct 2026, 11:00 am – 2:00 pm
Possession Physical
Individual House for sale in Delhi New Delhi
Closed
21 1

Individual House for sale in Delhi New Delhi

📍 New Delhi
🏦 Central Bank of India
🏷 Residential · Individual House · Lot CBINROHTRO12
Reserve Price ₹17.21 L
EMD ₹1.72 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 12:00 pm
Inspection 17–29 Oct 2026
Possession Physical
14641 square meter Shed with Plant and Machinery for sale in KANDLA SEZ Kandla
Closed
14 3

14641 square meter Shed with Plant and Machinery for sale in KANDLA SEZ Kandla

📍 Kandla
🏦 Bank of Baroda
🏷 Industrial · Shed With Plant And Machinery · Lot BARBOSWALAGRIMPEX2
Reserve Price ₹4.5 Cr
EMD ₹45 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 11:00 am
Inspection 15 Oct 2026, 11:00 am – 1:00 pm
Possession Symbolic
1237 square yard Individual House for sale in PILLUKHERA Bhuran
Closed
17 1

1237 square yard Individual House for sale in PILLUKHERA Bhuran

📍 Jind
🏦 Central Bank of India
🏷 Residential · Individual House · Lot CBINROHTAK19
Reserve Price ₹50.77 L
EMD ₹5.08 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 12:00 pm
Inspection 17–29 Oct 2026
Possession Physical
14641 square meter Industrial Plot with Factory Building for sale in KANDLA SEZ Kandla
Closed
25 3

14641 square meter Industrial Plot with Factory Building for sale in KANDLA SEZ Kandla

📍 Kandla
🏦 Bank of Baroda
🏷 Industrial · Industrial Plot With Factory Building · Lot BARBOSWALAGRIMPEX1
Reserve Price ₹4.33 Cr
EMD ₹43.29 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 11:00 am
Inspection 15 Oct 2026, 11:00 am – 1:00 pm
Possession Symbolic
1200 square feet Individual House for sale in BANGALORE Bengaluru
Closed
3 6

1200 square feet Individual House for sale in BANGALORE Bengaluru

📍 Bangalore
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARBSARBESDIGITRANSIT
Reserve Price ₹2.06 Cr
EMD ₹20.6 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 28 Sep – 29 Oct 2026
Possession Symbolic
167.17 square meter Individual House for sale in Navsari
Closed
25 3

167.17 square meter Individual House for sale in Navsari

📍 Navsari
🏦 Bank of Baroda
🏷 Residential · Individual House · Lot BARB55570685
Reserve Price ₹28.65 L
EMD ₹2.87 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 6:00 pm
Inspection 26 Oct 2026, 3:00 pm – 6:00 pm
Possession Physical
1130 square feet Flat for sale in NUNNA Vijayawada
Closed
3 1

1130 square feet Flat for sale in NUNNA Vijayawada

📍 Vijayawada
🏦 Canara Bank
🏷 Residential · Flat · Lot CNRB324923751
Reserve Price ₹35.09 L
EMD ₹3.51 L
Auction date 30 Oct 2026, 2:00 pm
EMD deadline 30 Oct 2026, 12:00 pm
Inspection 26 Oct 2026, 11:00 am – 4:00 pm
Possession Symbolic
Browse 126,040 live and upcoming Bank Auctions on E-Auctions India. Every listing shows the reserve price, EMD amount, auction and inspection dates, the seller bank and a link to the official sale notice. Reserve prices currently range from ₹72,000 to ₹4,50,00,000. Use the filters to narrow by city, bank, asset type, possession status and price.

Directory

Auctions by bank

Browse every bank with a live or upcoming auction — total, live and upcoming counts at a glance.

Canara Bank
2512
Total
1970
Live
542
Upcoming
Punjab National Bank
1420
Total
1141
Live
279
Upcoming
Indian Bank
1107
Total
1026
Live
81
Upcoming
State Bank of India
760
Total
574
Live
186
Upcoming
Bank of Baroda
746
Total
550
Live
196
Upcoming
Bank of Maharashtra
679
Total
625
Live
54
Upcoming
UCO Bank
403
Total
389
Live
14
Upcoming
Union Bank of India
389
Total
342
Live
47
Upcoming
Hinduja Housing Finance Limited
362
Total
319
Live
43
Upcoming
Bank of India
333
Total
256
Live
77
Upcoming
Indian Overseas Bank
195
Total
157
Live
38
Upcoming
Muthoot Fincorp Limited
141
Total
22
Live
119
Upcoming
Maharashtra Gramin Bank
132
Total
132
Live
0
Upcoming
Central Bank of India
128
Total
103
Live
25
Upcoming
Aadhar Housing Finance Ltd.
124
Total
48
Live
76
Upcoming
Equitas Small Finance Bank
122
Total
116
Live
6
Upcoming
Punjab & Sind Bank
114
Total
112
Live
2
Upcoming
Manappuram Finance Limited
92
Total
86
Live
6
Upcoming
Adroit Technical Services Limited
88
Total
1
Live
87
Upcoming
Assets Care And Reconstruction Enterprise Limited
76
Total
76
Live
0
Upcoming
HDB Financial Services Limited
72
Total
18
Live
54
Upcoming
Muthoot Finance Ltd
61
Total
18
Live
43
Upcoming
IDFC FIRST Bank Limited
51
Total
13
Live
38
Upcoming
Indel Money Private Limited
51
Total
13
Live
38
Upcoming
Hero Housing Finance Limited
47
Total
44
Live
3
Upcoming
PNB Housing Finance Limited
44
Total
42
Live
2
Upcoming
LIC HOUSING FINANCE LIMITED
42
Total
17
Live
25
Upcoming
Indusind Bank
41
Total
33
Live
8
Upcoming
Ujjivan Small Finance Bank
41
Total
27
Live
14
Upcoming
The Kerala State Co-operative Bank Ltd.
41
Total
32
Live
9
Upcoming
CSB Bank
38
Total
28
Live
10
Upcoming
HDFC Bank
38
Total
21
Live
17
Upcoming
IDBI Bank Ltd
37
Total
24
Live
13
Upcoming
Grihum Housing Finance Limited
36
Total
36
Live
0
Upcoming
Authum Investment & Infrastructure Ltd
34
Total
23
Live
11
Upcoming
Kerala Gramin Bank
30
Total
21
Live
9
Upcoming
Axis Bank
26
Total
26
Live
0
Upcoming
Muthoot MCred Limited
25
Total
0
Live
25
Upcoming
RBL Bank
23
Total
8
Live
15
Upcoming
ICICI Bank
22
Total
21
Live
1
Upcoming
DBS Bank India Ltd
21
Total
21
Live
0
Upcoming
CFM Asset Reconstruction Pvt Limited
20
Total
9
Live
11
Upcoming
Kotak Mahindra Bank
20
Total
17
Live
3
Upcoming
Religare Housing Development Finance Corporation Limited
16
Total
16
Live
0
Upcoming
Ummeed Housing Finance Private Limited
15
Total
12
Live
3
Upcoming
Federal Bank
14
Total
6
Live
8
Upcoming
Encore Asset Reconstruction Company Private Limited
14
Total
10
Live
4
Upcoming
Gujarat Gramin Bank
13
Total
12
Live
1
Upcoming
MANAPPURAM ASSET FINANCE LTD
13
Total
9
Live
4
Upcoming
Asirvad Micro Finance Ltd
11
Total
11
Live
0
Upcoming
ISARC
11
Total
11
Live
0
Upcoming
South Indian Bank
10
Total
7
Live
3
Upcoming
Chhattisgarh Rajya Gramin Bank
9
Total
9
Live
0
Upcoming
ESAF SMALL FINANCE BANK
9
Total
8
Live
1
Upcoming
FedBank Financial Services Ltd
8
Total
0
Live
8
Upcoming
Liquidator
8
Total
8
Live
0
Upcoming
PRASADITYA ARC LIMITED
8
Total
7
Live
1
Upcoming
THE ARYAPURAM CO-OPERATIVE URBAN BANK LIMITED
7
Total
2
Live
5
Upcoming
Omkara Assets Reconstruction Private Limited
7
Total
4
Live
3
Upcoming
Deutsche Bank
7
Total
4
Live
3
Upcoming
Anand Rathi Global Finance Limited
7
Total
6
Live
1
Upcoming
Suryoday Small Finance Bank Limited
7
Total
7
Live
0
Upcoming
Muthoot Money Limited
6
Total
0
Live
6
Upcoming
NCLT ordered assets
6
Total
6
Live
0
Upcoming
Justice (Retd.) R. M. Lodha Committee
6
Total
6
Live
0
Upcoming
Repco Home Finance Ltd
6
Total
4
Live
2
Upcoming
Housing and Urban Development Corporation
5
Total
0
Live
5
Upcoming
SBFC Finance Limited
5
Total
5
Live
0
Upcoming
Unity Small Finance Bank Ltd
5
Total
4
Live
1
Upcoming
Phoenix ARC Private Limited.
5
Total
4
Live
1
Upcoming
Religare Finvest Limited
5
Total
3
Live
2
Upcoming
The Tamil Nadu Industrial Investment Corporation Limited
5
Total
4
Live
1
Upcoming
Jana Small Finance Bank
4
Total
0
Live
4
Upcoming
Kosamattam Finance Ltd
4
Total
4
Live
0
Upcoming
Shriram Finance Ltd
4
Total
3
Live
1
Upcoming
TruCap Finance Limited
4
Total
3
Live
1
Upcoming
NeoGrowth Credit Pvt. Ltd.
4
Total
2
Live
2
Upcoming
DMI Housing Finance Pvt Ltd
4
Total
4
Live
0
Upcoming
Dombivli Nagari Sahakari Bank Limited
4
Total
4
Live
0
Upcoming
The Visakhapatnam Co-operative Bank Ltd
4
Total
4
Live
0
Upcoming
Piramal Finance Ltd
4
Total
2
Live
2
Upcoming
ITI GOLD LOANS LIMITED
3
Total
2
Live
1
Upcoming
Karnataka Bank
3
Total
1
Live
2
Upcoming
Manipal Housing Finance Syndicate Limited
3
Total
3
Live
0
Upcoming
TruHome Finance Limited
3
Total
3
Live
0
Upcoming
NKGSB CO-OP BANK LTD
3
Total
3
Live
0
Upcoming
Utkarsh Small Finance Bank
3
Total
1
Live
2
Upcoming
The Kangra Central Co-Operative Bank Ltd
3
Total
3
Live
0
Upcoming
Indian Renewable Energy Development Agency Limited (IREDA)
3
Total
0
Live
3
Upcoming
The Bathinda Central Cooperative Bank Ltd.
3
Total
3
Live
0
Upcoming
IFCI Limited
2
Total
1
Live
1
Upcoming
Asset Reconstruction Company (India) Ltd
2
Total
2
Live
0
Upcoming
Karnataka Grameena Bank
2
Total
0
Live
2
Upcoming
Tamilnad Mercantile Bank Limited
2
Total
0
Live
2
Upcoming
Yogakshemam Loans Limited
2
Total
2
Live
0
Upcoming
INTEC Capital Limited
2
Total
1
Live
1
Upcoming
ASREC (India) Limited
2
Total
2
Live
0
Upcoming
Sitaara Housing Finance Limited
2
Total
2
Live
0
Upcoming
J.C. Flowers Asset Reconstruction Pvt. Ltd.
2
Total
2
Live
0
Upcoming
Andhra Pradesh Grameena Bank
1
Total
1
Live
0
Upcoming
Cholamandalam Investment And Finance Company Limited
1
Total
0
Live
1
Upcoming
IFL FINANCE LIMITED
1
Total
1
Live
0
Upcoming
IIFL Finance Ltd
1
Total
1
Live
0
Upcoming
Jammu and Kashmir Grameen Bank
1
Total
1
Live
0
Upcoming
Karur Vysya Bank
1
Total
1
Live
0
Upcoming
Maxvalue Credits and Investments Ltd., Bangalore
1
Total
1
Live
0
Upcoming
Tamil Nadu Grama Bank
1
Total
1
Live
0
Upcoming
UV Asset Reconstruction Company Limited
1
Total
0
Live
1
Upcoming
Namdev Finvest Private Limited
1
Total
1
Live
0
Upcoming
Indiabulls Asset Reconstruction Company Limited
1
Total
0
Live
1
Upcoming
Mahindra & Mahindra Financial Services Limited
1
Total
1
Live
0
Upcoming
Justice (Retd.) R. M. Lodha Committee (PACL)
1
Total
1
Live
0
Upcoming
Rajasthan Gramin Bank
1
Total
1
Live
0
Upcoming
Sarva Haryana Gramin Bank
1
Total
1
Live
0
Upcoming
SBM Bank (India) Ltd.
1
Total
1
Live
0
Upcoming
Adarsh Mahila Mercantile Cooperative Bank Ltd
1
Total
1
Live
0
Upcoming
Canara Bank - Gold Auction
1
Total
1
Live
0
Upcoming
Competent Authority and Administrator (Ministry of Finance), Delhi
1
Total
1
Live
0
Upcoming
Pochampally Co-Op. Urban Bank Ltd
1
Total
1
Live
0
Upcoming
The Hongkong and Shanghai Banking Corporation Limited
1
Total
0
Live
1
Upcoming
Alchemist Asset Reconstructions Co Ltd
1
Total
1
Live
0
Upcoming
Dvara Kshetriya Gramin Financial Services Private Limited
1
Total
0
Live
1
Upcoming
Tamilnadu Grama Bank
1
Total
0
Live
1
Upcoming

No banks match your search.

How it works

How bank auctions in India work

When a borrower defaults on a secured loan, the lender — a bank, NBFC or Asset Reconstruction Company — takes possession of the mortgaged asset under the SARFAESI Act and sells it by public e-auction to recover its dues. E-Auctions India aggregates these auction notices from banks across India so you can track every lender in one place.

Notice is published

The bank publishes a sale notice with the reserve price, EMD, inspection window and auction date.

Register & pay EMD

Register on the bank’s e-auction portal and pay the Earnest Money Deposit before the deadline.

Bid on the day

Bid online from the reserve price upward; the highest bidder gets the sale certificate.

Good to know

Frequently asked questions

Which banks hold e-auctions in India?

Public and private sector banks, small finance banks, NBFCs and Asset Reconstruction Companies all auction secured assets under the SARFAESI Act. E-Auctions India aggregates their notices from across India.

How do I find auctions from a specific bank?

Use the bank directory on this page, or the Bank filter in search, to see every live and upcoming auction from that lender.

Are all bank auctions conducted online?

Almost all are now held on e-auction portals — the bank's own platform or a government portal named in each sale notice.

Does E-Auctions India conduct the auction?

No. E-Auctions India is a discovery platform that aggregates public auction notices. Registration, EMD payment and bidding all happen on the bank's official e-auction portal.

⚠️ E-Auctions India never requests cash or transfers to personal accounts. Pay EMD only as directed in the official bank auction notice. Report suspicious requests to [email protected]. Full disclaimer