⚠The PNB mailbox has used 155% of what Google lets it send in 24 hours (776 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
Jyoti Nilesh Acharya
LAN MH/MRD/MRAD/A000000814Loan ₹10,70,000BT + top-upMails & papers 8
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
8 Oct, 11:43
Documents
Payment
done 8 Oct, 11:45
Challan
took 1h 14m · GRAS ↗
Filing
took 1h 35m · IGR e-filing ↗
E-filing copy
done 8 Oct, 14:35
Index II
took 21h 59m
doneIndex II shared · the history says: The branch has sent the loan documents and asked to initiate the NOI filing. The team needs to provide a fee quote.whole case so far 7d 4h
For you to check2
Sanction letter of another loan account — sanction letter MHMRDMRADA000000803 says loan amount 20,00,000 under LAN MH/MRD/MRAD/A000000803; branch's request mail says requests filing for LAN MH/MRD/MRAD/. See the papers →
Challan on file does not agree with the case. Open it before paying or sharing.
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
The challan was paid on another loan figure. The file adds up to ₹24,220; it reads: ₹9,220 (stamp-duty head), ₹15,000 (registration head); this case’s figures say ₹8,580 (0.3% ₹3,220 + 0.5% ₹5,360 on a loan of ₹10,70,000); the challan itself says a loan of ₹30,70,000. It is ₹30,70,000 = ₹10,70,000 (the case's own loan amount) + ₹20,00,000 (letter 2 (MHMRDMRADA000000803 (3).PDF)'s FINAL amount) — the challan was paid on both together. The NOI team paid it, so the case is past the challan — but the e-filing must carry the challan’s figure. Settle the loan amount before filing.
Historywhat happened on this case, newest first
Today · 15 Oct2 things
An old draft withdrew itself — its asks were already answered
An old draft withdrew itself — its asks were already answered
9 Oct4 things — 1 document received · 1 letter written · 2 steps
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9990810260389.pdf
8 Oct65 things — 16 documents received · 5 letters written · 3 money steps · 6 cautions · 35 steps
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
EzDocs took 102 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
The draft e-filing copy went to the bank — waiting for its approval
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9990810260389.pdf
A file was read again from the start — everything inside it now counts
A paper was read again — the team's value showed the first reading was wrong
A file was read again from the start — everything inside it now counts
A paper was read again — the team's value showed the first reading was wrong
ANJU pressed Save on the e-filing (property page) — what was changed is kept
EzDocs found something to check before the form is saved
ANJU pressed Save on the e-filing (mortgagor page) — what was changed is kept
ANJU pressed Save on the e-filing (mortgagor page) — what was changed is kept
ANJU pressed Save on the e-filing (mortgagor page) — what was changed is kept
ANJU pressed Save on the e-filing (mortgagor page) — what was changed is kept
ANJU pressed Save on the e-filing (mortgagee page) — what was changed is kept
Judged again with today's rules, the challan still does not match the case — a person opens it
Checked: this challan is not another case's
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The challan on the case was paid on another loan figure — it counts, and the loan amount is to be settled before the e-filing
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
Received: Challan
JYOTI NILESH ACHARYA EchallanMH011606662202627E.pdf
DARBAR pressed Proceed on the challan — what was changed is kept
EzDocs found something to check before the form is saved
EzDocs found something to check before the form is saved
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: PAN card
pancard.pdf
Received: Selfie
selfies (1).pdf
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
Request to initiate Noi Filing in case of Jyoti Nilesh Acharya Lan No - MH/MRD/MRAD/A000000814 (BT topup case)
EzDocs read the whole file
EzDocs read the whole trail as one conversation — where the case stands is on the page
Co-applicant added
Document could not be read — a clear copy was asked for
the image is a photograph of a screen, not a live selfie
Co-applicant added
Received: Selfie — not usable
Nilesh Acharya Selfie.pdf — the image is a photograph of a screen, not a live selfie
Everything for the challan is in — queued
Papers and money are in — the challan is next.
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-03270
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
Selfie checked — a live one
A real selfie — usable for the e-filing.
The payment proof already on the case was applied
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
Received: PAN card
Nilesh Acharya Pan Card PDF.pdf
Received: Aadhaar
Nilesh Acharya Aadhar card PDF.pdf
Received: Selfie
Harshil PDF.pdf
Co-applicant added
Property checked by EzDocs — read from the report, every box that names the flat is there
Received: PAN card
Harshil Pancard (3).pdf
The loan amount was worked out from the papers
Index II (title document) received from the branch
Property read from the legal / technical report (the sanction letter had none)
Received: Aadhaar
Harshil Aadhar card (3).pdf
The loan amount was worked out from the papers
Received: Aadhaar
Jyoti Acharya Aadhaar Card.pdf
Received: LSR
JyotiAcharyaTopUpReport (1).pdf
Received: Sanction letter
SANCTION_202033MHMRDMRADA00000081408082026150916Sanction (2) (1).PDF
Received: Index II
Index 2 (1).pdf
Payment proof arrived before the case was quoted — held
Received: Sanction letter
MHMRDMRADA000000803 (3).PDF
Received: Payment screenshot
payment slip.pdf
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
sent by the team from Gmail, 09 Oct, 12:26 · token 9990810260389
What the e-filing still needs1 still to come
12 of 13 in hand · the challan is done — these are for the filing / KYC
Applicant's PAN Card — still needed
Mails & papers →every paper, beside its mail · 17 files
The file, as EzDocs remembers it17 open
File verified for Hinduja Housing Finance under LAN MH/MRD/MRAD/A000000814. The borrower is Jyoti Nilesh Acharya and co-mortgagor is Nilesh P Acharya. Property is Flat No. C-1505, Sunteck-West World-1 Tower 7 CHSL, Village Tivri, Vasai, Palghar. Loan amount for challan is Rs. 10,70,000 as per the co
✗the photo could not be read (Nilesh Acharya Selfie.pdf) — the branch — the image is a photograph of a screen, not a live selfie
✗the papers disagree on Sanction letter of another loan account (sanction letter MHMRDMRADA0000: loan amount 20,00,000 under LAN MH/MRD/MRAD/A000000803; the branch's request mail: requests filing for LAN MH/MRD/MRAD/A000000814) — a person — Set aside sanction letter MHMRDMRADA000000803 as belonging to another loan; use only documents matching LAN MH/MRD/MRAD/A000000814.
○Mrs. JYOTI NILESH ACHARYA — e-mail — the branch
8 more
○Mrs. JYOTI NILESH ACHARYA — home road — the branch
○Mrs. JYOTI NILESH ACHARYA — home village / city — the branch
○Harshil Nilesh Acharya — mobile — the branch
○Harshil Nilesh Acharya — e-mail — the branch
○Harshil Nilesh Acharya — home village / city — the branch
○NILESH P ACHARYA — mobile — the branch
○NILESH P ACHARYA — e-mail — the branch
… and 7 more
?pancard.pdf may be another customer's (it prints a name) — This PAN card does not belong to any person on this file. The PAN card is for a person named AQPPA7263G, born on 2003-04-12. None of the peo
the branch's last mail (2026-10-08): The branch is asking for the NOI token, e-filing, Index II, and status for the loan. · brought: a PAN card; a selfie
read once, kept; every new mail and paper is read against this note · kept 2026-10-08T07:04 UTC
Moneyall of it is in
₹10,500.57
Reached our account 8 Oct 10:35:06.
How we know
Our own bank told us — 8 Oct 10:35
₹26,140 · UTR 130913636502 · from VM-HDFCBK-S · a/c …6969
“Credit Alert!
Rs.26140.00 credited to HDFC Bank A/c XX6969 on 08-10-26 from VPA nikhilacharya2004@okhdfcbank (UPI 130913636502)”
Matched by: the screenshot's amount AND its minute agree with this credit
✓✓ Matched — sure
| Bank message | Screenshot | Case | ||
|---|---|---|---|---|
| Transaction number | …636502 | — | – | |
| Amount | ₹26,140 | ₹26,140 | fee ₹10,500.57 | ✓ |
| Time | Thu 8 Oct, 10:35 | Thu 8 Oct, 10:34 | ✓ | |
| Paid by | nikhilacharya2004@okhdfcbank | — | Jyoti Nilesh Acharya | – |
PDF
the screenshot: ₹26,140 · Thu 8 Oct, 10:34 · to EZDOCS
The working
Stamp duty 0.3%3,220
Registration fee 0.5%5,360
Government handling320
Our service fee1,600
Total we ask for10,500.57
Propertyby EzDocs, from the Index II
1505, 15th, Sunteck West World-2, Building No. 7, C Wing, SURVEY, 45, Tivri, 401208
read from the Index II · e-filing boxes 59 of 70 ready
Check the property →the boxes beside the paper
People
NILESH P ACHARYA · co-applicantAEJPA2721HHarshil Nilesh Acharya · co-applicantAQPPA7263GMrs. JYOTI NILESH ACHARYA · applicantAQPPA2787BNilesh Pranshankar Acharya · co-applicantAEJPA2721H
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