Yes, a bank auction of mortgaged property under the SARFAESI Act, 2002, can potentially be stopped or challenged in Ahmedabad if the underlying loan amount, the classification of the account as a Non-Performing Asset, or the procedure followed by the bank is genuinely disputed — though the law provides a specific forum and procedure for such challenges rather than allowing an ordinary civil suit to interfere with the auction process directly. Under Section 13(4) of the SARFAESI Act, 2002, once a borrower defaults and the loan account is classified as a Non-Performing Asset, the secured creditor (bank) can proceed to take possession of and sell the secured asset without first approaching a civil court, but this power is subject to specific safeguards and challenge mechanisms built into the Act itself.

If you dispute the loan amount, the NPA classification, or believe the bank has not followed proper procedure — such as failing to issue a proper notice under Section 13(2) of the Act, or improperly rejecting a valid representation made under Section 13(3-A) — the appropriate remedy is to file an application before the Debts Recovery Tribunal (DRT) under Section 17 of the SARFAESI Act, 2002, which has exclusive jurisdiction to examine the legality of measures taken by the bank under the Act, including the right to direct that the auction be stayed pending its examination of your dispute, provided you can show a genuine, substantial ground for challenge rather than a mere delaying tactic.

Courts have generally held that civil courts have limited jurisdiction to interfere with SARFAESI proceedings, given the specific bar under Section 34 of the Act directing that only the DRT (and subsequently, on appeal, the Debts Recovery Appellate Tribunal) has jurisdiction over such matters — approaching a civil court directly to stop a SARFAESI auction is therefore generally not the correct or effective route, and the DRT under Section 17 remains your primary and most effective forum.

Given that these applications often involve tight timelines relative to the scheduled auction date, prompt action — ideally engaging counsel the moment a Section 13(2) notice is received, rather than waiting until the auction is imminent — significantly improves your chances of a genuine hearing on your dispute before the property is actually sold.

For representation before the DRT and Ahmedabad's courts on loan and property matters, the Top Property Lawyers in Ahmedabad | Aapka Legal Advice directory can connect you with suitable counsel, and reach out via Aapka Legal Advice for urgent guidance if you're facing an imminent auction.

In conclusion, yes, a bank auction can potentially be stopped in Ahmedabad if the loan amount or NPA classification is genuinely disputed, but the correct forum is an application before the Debts Recovery Tribunal under Section 17 of the SARFAESI Act, 2002, rather than an ordinary civil suit — acting promptly upon receiving the initial default notice gives you the strongest chance of a meaningful hearing before the auction proceeds.