the challan is done — these are for the IGR filing / KYC
- Branch wrote ₹3,73,000; sanction letter says ₹37,30,000. We quoted on ₹37,30,000. Confirm the mortgage amount before the challan.
why?
the branch's own words
The branch's mail said: total payable: bank says Rs.28,400, computed Rs.28,240 (difference Rs.160); the bank's own rows sum to Rs.28,240 but its total says Rs.28,400Day by day — every step and who held it
Next step
Nothing — this case is done
Index II shared with the branch and the case is closed.
Where this case stands — the whole trailread by EzDocs as one conversation
Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail
Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.
then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.
When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.
These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.
No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.
Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.
Filing record (attempts, GRN, token)
| Attempt | GRN | Token | Status | Submitted |
|---|---|---|---|---|
| no filing yet |
Fix something every change is recorded with your name
Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.
Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once
Advanced — move the case by hand (ask Abhijit first)
Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.
The reply EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.
No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →
The conversation, word for word — attachments open on click. Mail thread, oldest first.
This is the case's own Gmail thread, oldest first — the first mail is how the case began, and every later mail lands here the moment it arrives. Search on the Cases page finds any words written below.
📑 Open mails & papers — each mail beside its papers, ← → the next paper08 Sep, 18:15 · 37d ago THE FIRST MAIL — how this case began
NITIATION
- ✓ SANCTION LETTER — attached
- ✓ APPLICANT/S AADHAR CARD — attached
- ✓ APPLICANT/S PAN CARD — attached
- ✗ IINDEX II COPY — pending
- ✓ APPLICANT SELFIE — attached
- ✓ PAYMENT SCREENSHOT WITH UTR — attached
LAN NO REF #
77000345845
CASE INITIATION BRANCH NAME
AHILYANAGAR/AHMEDNAGAR
CASE TYPE
HL builder purchase
SRO No
AHILYANAGAR/AHMEDNAGAR
Thanks
7 more mails in between — open
08 Sep, 18:31 · 36d ago
Team
- ✗ Aradha — na
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
08 Sep, 18:36 · 36d ago
Thanks
earlier mails quoted below
08 Sep, 18:40 · 36d ago
Team
- ✗ Aradha — na
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
08 Sep, 18:42 · 36d ago
Cc: Vaibhav Jadhav /DISTP/ICICIHFC/AMDR <vaibhav.jadhav@icicihfc.com>; Omkar Deshmukh /DISTP/ICICIHFC/ARBD <omkar.deshmukh@icicihfc.com>; Manish Raniwal /DIST/ICICIHFC/AMDR <manish.raniwal@icicihfc.com>
Team
Kindly confirm the loan amount to process the challan.
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
08 Sep, 18:56 · 36d ago
Team
PFA Challan for your reference.
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
08 Sep, 18:57 · 36d ago
Team
Kindly share the index 2 copy for the NOI Process
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
10 Sep, 17:41 · 35d ago
PROCESS NOI FILING
To: Santosh Jadhav /DIST/ICICIHFC/AMDR <santosh.jadhav@icicihfc.com>; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER <vijay.wahul@icicihfc.com>; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER <akshay.kamerkar@icicihfc.com>; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC
TOWER <siddesh.ajvilkar@icicihfc.com>; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER <parshuram.kandurakar@ext.icicihfc.com>
Cc: Vaibhav Jadhav /DISTP/ICICIHFC/AMDR <vaibhav.jadhav@icicihfc.com>; Omkar Deshmukh /DISTP/ICICIHFC/ARBD <omkar.deshmukh@icicihfc.com>; Manish Raniwal /DIST/ICICIHFC/AMDR <manish.raniwal@icicihfc.com>
Team
PFA Challan for your reference.
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
11 Sep, 13:12 · 34d ago
TEAM
PFA DOWNLOADED E FILING FOR YOUR REFERENCE
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969
earlier mails quoted below
12 Sep, 11:51 · 33d ago
TEAM,
PFA: NOI Index 2 for case closure.
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969
On Fri, 11 Sept 2026 at 13:12, NOI ICICIHFC <icicihfcnoi@ezdocs.co.in>
wrote:
earlier mails quoted below
Every file the branch sent, and what EzDocs read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.
| Document | File — click to open | Status | When |
|---|---|---|---|
| Payment screenshot | chaure payment screenshot.pdf | filed | 36d ago |
| Technical report | sandip chaure technical.pdf | filed | 36d ago |
| PAN card+ Aadhaar card inside+ Selfie / photo inside | chaure kyc and photo.pdf | filed | 36d ago |
| Other | image.png | filed | 36d ago |
| Sanction letter | chaure sanction letter.pdf | filed | 36d ago |
| Paid challan (GRAS) | CHAURE SANDIP POPAT EchallanMH009876227202627E.pdf | filed | 36d ago |
| Index IIthe branch sent this — an input | Sale deed Chaure.pdf | filed | 35d ago |
| E-filing copy (token) | eFilingDoc9991109260158.pdf | filed | 33d ago |
| Index IIthe registered copy we filed | IndexII9991109260158.pdf | filed | 33d ago |
a label is wrong? open the file above, then correct it here
The checklist and the next mail follow the corrected label. Recorded with your name.
Details & records the money working, the property exactly as it will be filed, the people, and what was read from each document
The records come first. The Property card below is the one to check before filing day.
Payment
₹28,250
VERIFIED — money received
₹28,400 625141398695
8 Sep 18:04:35
9 Sep 10:31:48
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹11,200 | ₹15,000 | ₹350 | ₹1,700 | ₹28,250 |
why?
Property (must be perfect)
The property, paper by paper side by side, the main paper first
ROW BUNGALOW UNIT NO B (SOUTH SIDE), PLOT NO 12 P, (PLOT NO 12/B/2 AS PER PLAN), SR NO 52/2, BESIDE SADGURU TOWERS, MADHAV NAGAR, LINK ROAD, AT KEDGAON, TAL AND DIST AHILYANAGAR (AHMEDNAGAR).
414001
1) itara varnanah, itara maahitih, itara maahitih mauje kedagaava yethila sarvhe nan 52/2 madhila plota nan 12 che kshetra 224.00 vi mi yaapaiki lihuna denaara yaanchyaa maalakiche pashchima baajuchyaa plotache sampurna kshetra 140.00 chau mi yaavara baandhalelyaa ro bangalo skima madhila dakshina baajuchyaa ge bangalo yunita vi yaanche plotache kshetra 77.50 chau mi va yaavarila talamajalyaavarila aara si si madhila baandhakaama kshetra 38.402 chi mi va pahilyaa majalyaavarila baandhakaama kshetra 46.016 chau mi ase ekuna baandhakaama kshetra 84.418 chau mi hi milakata lihuna ghenaara yaasa kharedi dili ame (SURVEY NUMBER: 52/2/ plota 12:)) - sthaanika svaraajya sansthaah ahilyaanagara ma.na.paa.
414001
FLAT NO RB UNIT B G 1 FLOOR ROW BUNGALOW UNIT NO B SOUTH SIDE SURVEY NO 52/2 PLOT NO 12/B/2
LINK ROAD BESIDE SADGURU TOWERS MADHAV NAGAR
KEDAGANV
Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| mortgagor | CHAURE SANDIP POPAT | AMAPC1829M | …9023 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| fee quote | santosh.jadhav@icicihfc.com | 36d ago |
| documents acknowledged | santosh.jadhav@icicihfc.com | 36d ago |
What EzDocs read from each document — check anything marked in red
625141398695
2026-09-08
18:04
28400
UPI
....535m@pnb
....10-2@okicici
EZDOCS
Mahesh Balasaheb Yadav
raw reading (for Abhijit)
{'utr': '625141398695', 'date': '2026-09-08', 'time': '18:04', 'amount': 28400, 'method': 'UPI', 'payee_upi': '....535m@pnb', 'payer_upi': '....10-2@okicici', 'payee_name': 'EZDOCS', 'payer_name': 'Mahesh Balasaheb Yadav', 'debit_notification_text': None}bank: ICICI Home Finance; kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': 'ICICI Home Finance', 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}1986-09-02
AMAPC1829M
CHAURE SANDIP POPAT
True
raw reading (for Abhijit)
{'dob': '1986-09-02', 'pan': 'AMAPC1829M', 'name': 'CHAURE SANDIP POPAT', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}True
Legal Address
77.57
1
pin: 414001; road: Link Road; state: Maharashtra; taluka: Ahilyanagar; Flat no: Unit No B (South Side); district: Ahilyanagar; landmark: Beside Sadguru Towers, Madhav Nagar, At Kedgaon; Address: Row Bungalow Unit No
Row Bungalow Unit No B (South Side), Plot No 12 P, (Plot No 12/B/2 As Per Plan), Sr No 52/2, Beside Sadguru Towers, Madhav Nagar, Link Road, At Kedgaon, Tal And Dist Ahilyanagar (Ahmednagar).
raw reading (for Abhijit)
{'found': True, 'found_in': 'Legal Address', 'area_sq_m': 77.57, 'confidence': 1, 'property_address': {'pin': '414001', 'road': 'Link Road', 'state': 'Maharashtra', 'taluka': 'Ahilyanagar', 'flat_no': 'Unit No B (South Side)', 'district': 'Ahilyanagar', 'floor_no': None, 'landmark': 'Beside Sadguru Towers, Madhav Nagar, At Kedgaon', 'full_address': 'Row Bungalow Unit No B (South Side), Link Road, Beside Sadguru Towers, Madhav Nagar, At Kedgaon, Ahmednagar, Tal Ahilyanagar, Dist Ahilyanagar, Maharashtra - 414001. Sr No 52/2, Plot No 12 P (Plot No 12/B/2 As Per Plan).', 'village_city': 'Ahmednagar', 'building_name': 'Row Bungalow', 'survey_or_cts_no': 'Sr No 52/2, Plot No 12 P (Plot No 12/B/2 As Per Plan)'}, 'security_address_verbatim': 'Row Bungalow Unit No B (South Side), Plot No 12 P, (Plot No 12/B/2 As Per Plan), Sr No 52/2, Beside Sadguru Towers, Madhav Nagar, Link Road, At Kedgaon, Tal And Dist Ahilyanagar (Ahmednagar).'}77000345845
True
Home Loan
1
3730000
8.55
08/09/2026
HF-38-VER-14-01072026/KFS
SANDIP POPAT CHAURE, JAYASHRI SANDIP CHAURE
9922894516
False
raw reading (for Abhijit)
{'lan': '77000345845', 'legible': True, 'loan_type': 'Home Loan', 'confidence': 1, 'loan_amount': 3730000, 'interest_rate': 8.55, 'quality_issue': None, 'sanction_date': '08/09/2026', 'letter_version': 'HF-38-VER-14-01072026/KFS', 'applicant_names': ['SANDIP POPAT CHAURE', 'JAYASHRI SANDIP CHAURE'], 'applicant_mobile': '9922894516', 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None}1986-09-02
AMAPC1829M
Sandip Popat Chaure
True
9023
raw reading (for Abhijit)
{'dob': '1986-09-02', 'pan': 'AMAPC1829M', 'name': 'Sandip Popat Chaure', 'legible': True, 'aadhaar_last4': '9023', 'quality_issue': None}kind: other; payments: []
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': None, 'account_last4': None, 'account_holder': None}}index2_input
pin: 414001; doc_no: ALR2-8703-2026; village: केडगाव; doc_kind: सूची क्र. २ Index II; doc_year: 2026; sro_name: सह ६. नि. अहिल्यानगर 2; area_text: 0.7750 आर.चौ. मीटर; mortgagee: संदिप पोपट चौरे, जयश्री संदिप चौरे; filing
raw reading (for Abhijit)
{'kind': 'index2_input', 'extracted': {'pin': '414001', 'doc_no': 'ALR2-8703-2026', 'village': 'केडगाव', 'doc_kind': 'सूची क्र. २ Index II', 'doc_year': '2026', 'sro_name': 'सह ६. नि. अहिल्यानगर 2', 'area_text': '0.7750 आर.चौ. मीटर', 'mortgagee': 'संदिप पोपट चौरे, जयश्री संदिप चौरे', 'filing_fee': 24000, 'mortgagors': ['अशोक शिवाजी रोकडे'], 'stamp_duty': 144000, 'filing_date': '2026-09-09', 'loan_amount': 2400000, 'property_text': '1) इतर वर्णनः, इतर माहितीः, इतर माहितीः मौजे केडगाव येथील सर्व्हे नं 52/2 मधील प्लॉट नं 12 चे क्षेत्र 224.00 वी मी यापैकी लिहून देणार यांच्या मालकीचे पश्चिम बाजुच्या प्लॉटचे संपुर्ण क्षेत्र 140.00 चौ मी यावर बांधलेल्या रो बंगलो स्किम मधील दक्षिण बाजुच्या गे बंगलो युनिट वी यांचे प्लॉटचे क्षेत्र 77.50 चौ मी व यावरील तळमजल्यावरील आर सी सी मधील बांधकाम क्षेत्र 38.402 ची मी व पहिल्या मजल्यावरील बांधकाम क्षेत्र 46.016 चौ मी असे एकुण बांधकाम क्षेत्र 84.418 चौ मी ही मिळकत लिहून घेणार यास खरेदी दिली अमे (Survey Number: 52/2/ प्लॉट 12:)) - स्थानिक स्वराज्य संस्थाः अहिल्यानगर म.न.पा.', 'survey_numbers': ['52/2', '12']}}Technical record (for Abhijit — safe to ignore)
| 6h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 08 Sep, 18:56 shared the paid challan — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']} |
| 6h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 08 Sep, 18:31 asked the branch to confirm — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']} |
| 18d ago | EzDocs | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 19d ago | EzDocs | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 30d ago | EzDocs | trail_read | {'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_ |
| 30d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'quick sweep', 'docs': ['Sale deed Chaure.pdf', 'IndexII9991109260158.pdf', 'sandip chaure technical.pdf', 'chaure sanction letter.pdf', 'chaure kyc and photo.pdf', 'image.png'], 'after': {'addresse |
| 30d ago | EzDocs | address_compared | {'sig': 'f689c509414436a5', 'why': 'after gather', 'people': [{'home': 'G, G, NEAR POST OFFICE, AHILYANAGAR, AHMEDNAGAR KAMARGAON, AHMEDNAGAR, AHILYANAGAR, 414005', 'person': 'CHAURE SANDIP POPAT', 'against': [], 'home_s |
| 30d ago | EzDocs | challan_boxes_composed | {'fp': '606e626b2334091e', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'FLAT NO RB UNIT B G 1 FLOOR ROW BUNGALOW UNIT |
| 30d ago | EzDocs | box_disagreement | {'box': 'property.Area', 'src': 'index2', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': '77.57', 'page': 1, 'party': None, 'qu |
| 30d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'box': 'District', 'why': "The typ |
| 30d ago | EzDocs | property_from_index2 | {'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'IndexII9991109260158.pdf', 'changed': {'Flat no': {'was': '12', 'index2': |
| 30d ago | EzDocs | closed_from_desk_words | {'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"} |
| 31d ago | EzDocs | efiling_found_on_case | {'now': 'AWAITING_INDEX2', 'was': 'CHALLAN_PAID', 'why': 'the paper is the fact and the stage follows it — the case was standing at an earlier step than the people working it. The money is untouched by this.', 'trigger': |
| 33d ago | EzDocs | desk_documents_backfill | {'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 1, 'mailbox': 'icicihfcnoi@ezdocs.co.in', 'subject': 'Re: |
| 33d ago | EzDocs | desk_document_shared | {'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'IndexII999110926015 |
| 33d ago | EzDocs | desk_documents_backfill | {'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 1, 'mailbox': 'icicihfcnoi@ezdocs.co.in', 'subject': 'Re: |
| 33d ago | EzDocs | desk_document_shared | {'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'eFilingDoc999110926 |
| 34d ago | EzDocs | property_from_index2 | {'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'Sale deed Chaure.pdf', 'changed': {'pin': {'was': '414001', 'index2': None |
| 35d ago | EzDocs | documents_read_together | {'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 3, 'seconds': 39.3, 'workers': 3} |
| 35d ago | EzDocs | property_english_extracted | {'note': '', 'village': 'Kedgaon', 'building': 'Row Bungalow Scheme, Bungalow Unit V', 'specific_unit_found': True} |
| 35d ago | EzDocs | index2_input_received | {'file': 'Sale deed Chaure.pdf'} |
| 35d ago | EzDocs | document_received | {'file': 'Sale deed Chaure.pdf', 'doc_type': 'index2', 'confidence': 1.0} |
| 36d ago | EzDocs | case_reevaluated | {'stage_after': 'CHALLAN_PAID'} |
| 36d ago | EzDocs | payment_verified | {'utr': '625141398695', 'why': "paid ₹28,400, ₹150 MORE than our ask of ₹28,250 — the branch's own working; paid in full, nothing to chase (the excess stays on record)", 'delta': 150.0, 'method': 'utr_exact', 'paid_at': |
| 36d ago | EzDocs | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': [], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, 's |
| 36d ago | EzDocs | sms_matched_late | {'ref': '625141398695', 'why': 'this credit had arrived before the case could be matched (no bill yet, or the screenshot came later) — matched now on the same evidence as a live SMS', 'amount': 28400.0, 'method': 'screen |
| 36d ago | EzDocs | payment_verified | {'utr': '625141398695', 'why': "paid ₹28,400, ₹150 MORE than our ask of ₹28,250 — the branch's own working; paid in full, nothing to chase (the excess stays on record)", 'delta': 150.0, 'method': 'screenshot_amount_time' |
| 36d ago | EzDocs | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': [], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, 's |
| 36d ago | EzDocs | desk_documents_backfill | {'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 1, 'mailbox': 'icicihfcnoi@ezdocs.co.in', 'subject': 'Re: |
| 36d ago | EzDocs | desk_document_shared | {'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'CHAURE SANDIP POPAT |