⚠The PNB mailbox has used 133% of what Google lets it send in 24 hours (663 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-03024

Manohar Natha Chavare

LAN HOU/NAV/0926/5213939 Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 6

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs2 still to come

6 of 8 in hand.
the challan is done — these are for the IGR filing / KYC

✓Sanction letteropen

✓PAN cardopen

✓Paid challan (GRAS)open

✓Payment screenshot — proof received; money not verified yet — inside NOI MANOHAR CHAVARE.pdfopen

✓Aadhaar card — inside NOI MANOHAR CHAVARE.pdfopen

✓Selfie / photo — inside NOI MANOHAR CHAVARE.pdfopen

Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.

Index II copy / Title document — for the e-filing visit later

All files (5)A label is wrong? Fix it under All documents.

Needs your eyes

The work is done — our fee of ₹12,990.50 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹12,990.50CASE MARK

Nothing has reached our account yet. Only a credit our bank shows us counts.

₹0 of ₹12,990.50 — we only count a credit our bank shows us.

Ask for the exact ₹12,990.50. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%4,190

Registration fee 0.5%6,980

Government handling320

Our service fee1,500.50

Total we ask for12,990.50

By law ₹12,968.80. We ask ₹12,990 (rounded up to ₹10 — our rule).

why?

The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.

The money may already be here — 1 credit(s) our bank showed us that no case has taken

Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 45 minour time · 6 Oct 12:28

Index II —not yet

the NOI team 7 d 11 hthe branch 5 d 17 htotal 13 d 4 h so far

Now with the NOI team — e-filing on IGR

since 6 Oct 12:28 — 7 d 10 h of working time

Day by day — every step and who held it

30 Sep 18:43Your branch's mail

30 Sep 18:45Papers read+2 min · the NOI team

30 Sep 18:45Property readat once

30 Sep 18:46Fee quoted+1 min · the NOI team

6 Oct 11:46Papers from your branch+5 d 17 h · the branch

6 Oct 11:48Papers read+2 min · the NOI team

6 Oct 12:28Challan made+40 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹13,93,600

Loan account no.

HOU/NAV/0926/5213939

Bank’s own ref

—

Kind of case — the amount follows this

0.3% only / top-up: the branch asks for the 0.3% challan alone (a top-up, or a stand-alone 0.3% challan) — the stamp duty and ₹100, nothing is filed. Change this and the amount re-works itself.

Who paid the challan

The ask carries the stamp duty and registration fee we will pay on GRAS. If their own vendor already paid the challans, switch this — the ask re-works to our fee alone.

Open the filing pack all the challan needs

Next step

Wait for the branch's Index II, then file the NOI

The challan is paid. Open the e-filing portal — log in, and the NOI Co-pilot takes it from there: it types the Date of Mortgage (the portal creates the token right then, and it is written on this case), opens each page as the portal turns it yellow, picks every list with EzDocs and reads every page back against the case before it says “filled”. You check, do photo/thumb, and press each Save and the final submit. Then press this so the branch knows — it is what they chase when they ask for the token.

The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. The engine asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.

Before opening the portal, the engine sees:

• payment NOT verified — office rule: no filing before credit

• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save

• Sarubai Natha Chavare: PAN missing — Sarubai Natha Chavare's own Aadhaar (NOI MANOHAR CHAVARE.pdf) is read but no PAN comes off it — read it off the card beside the form

• 19 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road

• changed — village: the case held TALOJA NAVI MUMBAI; filled TALOJA — the whole-file reading, from sanction letter, reads it so

• changed — block/sector: the case held SECTOR 39; filled SECTOR NO 39 — the whole-file reading, from sanction letter, reads it so

New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

NOTEThe name of person 2

The PAN card	SARUBAI NATHA CHAVARE
The sanction letter DIFFERS	SARUBAI CHAVARE

What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.

Compared: the sanction letter; and the whole-file reading. Nothing here is typed or changed by itself.

Where this case stands — the whole trailread by EzDocs as one conversation

The branch has sent the loan documents and confirmed payment. The team is waiting for the PAN card to initiate the challan process.

the trail says the next move is with the branch — the PAN card for challan process

the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen

✓ loan papers sent — done, mail 1 (2026-09-30) “Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.”

✓ fee paid — the branch's words — done, mail 1 (2026-09-30) “Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.”

⏳ challan made — promised, mail 2 (2026-09-30) “We will initiate the challan for the same.”

read over 3 mail(s), last mail 2026-09-30 · read 13d ago · what EzDocs says informs the page; the step moves by the papers and the checked facts

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

1Pay the challan on GRAS, then upload it hereDONE

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). The engine 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.

✗ EzDocs found boxes that do NOT agree with the document (7d ago) — open the verification page; they are marked in red.

2File the NOI on the IGR site, then tell the branchYOU ARE HERE

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”.

3Send the downloaded e-filing copy

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.

DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt

4Bank approval snip (Sammaan & Hinduja only)

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
#1 principal	MH011445815202627E	—	pending

Open filing pack →

Fix something every change is recorded with your name

Where did you see the money? One tap is the same record, in 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.

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 the engine wrote on this thread — yours to edit; nothing leaves until you press Send. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

Index II pending — NOI NOI-2026-03024 | HOU/NAV/0926/5213939

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NAV/0926/5213939) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 5 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

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 paper

KT kavita.tambe@pnbhousing.com pnbhousing.com
30 Sep, 18:43 · 13d ago THE FIRST MAIL — how this case began

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213

📎 image002.jpg ↗📎 image001.png ↗📎 NOI MANOHAR CHAVARE.pdf ↗

Dear Team,

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.

Thanks & Regards,
Kavita Tambe
Area Sales Manger
9372500692
pnb Housing Finance Limited
5th Floor, Flat No. 508-509, Persipolis BuildingSector -17, Vashi, Navi Mumbai-400703
[cid:image001.png@01DD510B.17A3E510]
[cid:image002.jpg@01DD510B.17A3E510]





Internal

🤖 read: says the fee is paid ✓; documents attached — “Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939”

3 more mails in between — open

OL The NOI teamTYPED IN GMAIL
30 Sep, 18:48 · 13d ago

Team,

We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 18:44, Kavita Tambe < kavita.tambe@pnbhousing.com > wrote:

Dear Team,

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.

Thanks & Regards,

Kavita Tambe

Area Sales Manger

9372500692

pnb
Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector - 17, Vashi, Navi Mumbai-400703

Internal

🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”

OL The NOI teamTYPED IN GMAIL
30 Sep, 19:21 · 13d ago

Team,

Kindly share pancard for challan process.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 18:48, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 30 Sept 2026 at 18:44, Kavita Tambe < kavita.tambe@pnbhousing.com > wrote:

Dear Team,

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.

Thanks & Regards,

Kavita Tambe

Area Sales Manger

9372500692

pnb
Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector - 17, Vashi, Navi Mumbai-400703

Internal

🤖 read: asks the branch for documents — “Kindly share pancard for challan process.”

KT kavita.tambe@pnbhousing.com pnbhousing.com
06 Oct, 11:46 · 7d ago

📎 IMG-20260903-WA0023.jpg ↗

Dear Team,

Pfa

Thanks & Regards,

Kavita Tambe

Area Sales Manger9372500692

pnb Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector -17, Vashi, Navi Mumbai-400703

[cid:image001.png@01DD5587.B9698870]

[cid:image002.jpg@01DD5587.B9698870]

Internal

earlier mails quoted below

From: Kavita Tambe
Sent: 30 September 2026 18:44
To: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Cc: Praveen Omprakash Gupta <praveen.gupta@phfl.com>; Vinay Devrao Gawai <vinay.gawai@phfl.com>; Umesh Ramchandra Borade <umesh.borade@phfl.com>; Samson Silveira <samson.silveira@pnbhousing.com>; Hemant Kumar 3 <hemant.kumar3@pnbhousing.com>; Pooja Mijar <pooja.mijar@pnbhousing.com>; Sadashiva Shetty <sadashiva.shetty@pnbhousing.com>
Subject: Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939

Dear Team,

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.

Thanks & Regards,
Kavita Tambe
Area Sales Manger
9372500692
pnb Housing Finance Limited
5th Floor, Flat No. 508-509, Persipolis BuildingSector -17, Vashi, Navi Mumbai-400703
[cid:image001.png@01DD5587.B9698870]
[cid:image002.jpg@01DD5587.B9698870]

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
06 Oct, 12:29 · 7d ago

📎 MANOHAR NATHA CHAVRE EchallanMH01144581520 ↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 6 Oct 2026 at 11:48, Kavita Tambe < kavita.tambe@pnbhousing.com > wrote:

Dear Team,

Pfa

Thanks & Regards,

Kavita Tambe

Area Sales Manger

9372500692

pnb
Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector - 17, Vashi, Navi Mumbai-400703

Internal

From:
Kavita Tambe

Sent:  30 September 2026 18:44

To:  THINKBIGZ NOI < pnb.noifilling@gmail.com >

Cc:  Praveen Omprakash Gupta < praveen.gupta@phfl.com >; Vinay Devrao Gawai < vinay.gawai@phfl.com >; Umesh Ramchandra Borade < umesh.borade@phfl.com >; Samson Silveira < samson.silveira@pnbhousing.com >; Hemant Kumar 3 < hemant.kumar3@pnbhousing.com >; Pooja Mijar
< pooja.mijar@pnbhousing.com >; Sadashiva Shetty < sadashiva.shetty@pnbhousing.com >

Subject:  Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939

Dear Team,

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.

Thanks & Regards,

Kavita Tambe

Area Sales Manger

9372500692

pnb
Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector - 17, Vashi, Navi Mumbai-400703

🤖 read: challan shared ✓ — “PFA challan for your reference.”

OL The NOI teamTYPED IN GMAIL
10 Oct, 17:13 · 3d ago

DEAR TEAM

PLEASE PROVIDE INDEX 2 FOR NOI FILING

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 6 Oct 2026 at 12:29, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,
PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 6 Oct 2026 at 11:48, Kavita Tambe < kavita.tambe@pnbhousing.com > wrote:

Dear Team,

Pfa

Thanks & Regards,

Kavita Tambe

Area Sales Manger

9372500692

pnb
Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector - 17, Vashi, Navi Mumbai-400703

Internal

From:
Kavita Tambe

Sent:  30 September 2026 18:44

To:  THINKBIGZ NOI < pnb.noifilling@gmail.com >

Cc:  Praveen Omprakash Gupta < praveen.gupta@phfl.com >; Vinay Devrao Gawai < vinay.gawai@phfl.com >; Umesh Ramchandra Borade < umesh.borade@phfl.com >; Samson Silveira < samson.silveira@pnbhousing.com >; Hemant Kumar 3 < hemant.kumar3@pnbhousing.com >; Pooja Mijar
< pooja.mijar@pnbhousing.com >; Sadashiva Shetty < sadashiva.shetty@pnbhousing.com >

Subject:  Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939

Dear Team,

Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of -MANOHAR NATHA CHAVARE - HOU/NAV/0926/5213939.

Thanks & Regards,

Kavita Tambe

Area Sales Manger

9372500692

pnb
Housing Finance Limited

5th Floor, Flat No. 508-509, Persipolis BuildingSector - 17, Vashi, Navi Mumbai-400703

🤖 read: asks the branch for documents — “PLEASE PROVIDE INDEX 2 FOR NOI FILING”

Every file the branch sent, and what the engine 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
Other	image002.jpg	filed	13d ago
Other	image001.png	filed	13d ago
Sanction letter+ Payment screenshot inside+ Aadhaar card inside+ Selfie / photo inside+ Other inside	NOI MANOHAR CHAVARE.pdf	filed	13d ago
PAN card	IMG-20260903-WA0023.jpg	filed	7d ago
Paid challan (GRAS)	MANOHAR NATHA CHAVRE EchallanMH011445815202627E.pdf	filed	7d 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

We need
₹12,990.50

Where it stands
waiting for the credit

Screenshot claims
—

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹4,190	₹6,980	₹320	₹1,500	₹12,990

By law ₹12,968.80. We ask ₹12,990 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

41 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Floor (person 1), PAN (person 2), Mobile (person 2), Floor (person 2)

27 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, derived, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …

✗ EzDocs found boxes that do NOT agree with the document (7d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (NOI MANOHAR CHAVARE.pdf) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

✓ in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

Area (sq.mt, carpet)

⚠ not in the document

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

FLAT NO 1204, BUILDING NO EC11, 12TH FLOOR, PLOT NO 1, SECTOR NO 39, TALOJA NAVI MUMBAI, Panvel, Raigad, MAHARASHTRA, 410208

saving a change clears verification until someone verifies again

The property, paper by paper side by side, the base paper first

the sanction letter BASE — the challan follows this

NOI MANOHAR CHAVARE.pdf

the address
{'PIN': '410206', 'AREA': 'KALAMBOLI', 'FLAT': 'ROOM NO H 34', 'ROAD': 'SEC 3', 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'LIG 2', 'DISTRICT': 'RAIGAD', 'POST_OFFICE': NONE, 'VILLAGE_CITY': 'PANVEL'}

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 1204 12TH FLOOR BUILDING NO EC11 PLOT NO 1

Locality/Road
MY PREFERRED CIDCO HOME SCHEME MH-01/OCT 2024 SECTOR 39 TALOJA NAVI MUMBAI TAL PANVEL DIST RAIGAD

Area/City
RAIGAD

check or correct a box, the papers beside it →

Every paper prints the same words as the base paper.

Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.

Parties

Role	Name	PAN	Aadhaar
mortgagor	MANOHAR NATHA CHAVARE	BPBPC5717F	…5576
co_mortgagor	Sarubai Natha Chavare		…3835

All mail records (for Abhijit — safe to ignore)

1 mail(s) written and held — read and send them on Draft mails.

Template	To	When
document chase	kavita.tambe@pnbhousing.com	13d ago
document chase	kavita.tambe@pnbhousing.com	10d ago
documents acknowledged	kavita.tambe@pnbhousing.com	7d ago
Index II chase	kavita.tambe@pnbhousing.com	4d ago
Index II chase	kavita.tambe@pnbhousing.com	1d ago

What the engine read from each document — check anything marked in red

Other image002.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image001.png needs your check

payments inside
payments: []; rows_read: 0

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': None, 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}

Sanction letter NOI MANOHAR CHAVARE.pdf needs your check

lan
HOU/NAV/0926/5213939

legible
True

purpose
Housing Loan

borrowers
{'name': 'MANOHAR NATHA CHAVARE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SARUBAI CHAVARE', 'role': 'co_applicant', 'label': 'Applicant'}

loan type
Housing Loan

confidence
1

rate words
13.15% per annum 13.15% -3.00% = 10.15% per annum as on the date of execution of the loan agreement

loan amount
1340000

rate spread
-3.0

final amount
1393600

interest rate
10.15

sanction date
12-Sep-2026

letter version
3

reference rate
13.15

applicant email
manoharchavare4396@gmail.com

applicant names
MANOHAR NATHA CHAVARE, SARUBAI CHAVARE

printed altered
False

applicant mobile
9766687761

balance transfer
False

property address
pin: 410208; state: MAHARASHTRA; taluka: Panvel; flat_no: 1204; district: Raigad; floor_no: 12TH FLOOR; full_address: FLAT NO 1204, BUILDING NO EC11, 12TH FLOOR, PLOT NO 1, SECTOR NO 39, TALOJA NAVI MUMBAI, Panvel, Raiga

insurance premium
53600

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1393600

security address verbatim
FLAT NO 1204, PLOT NO 1, BUILDING NO EC11, 12TH FLOOR, TYPE EWS, MY PREFERRED CIDCO HOME SCHEME MH-01/OCT 2024, TYPE EWS, TALOJA NAVI MUMBAI, Panvel, SECTOR NO 39, Raigad, MAHARASHTRA, India, 410208

applicant address verbatim
FLAT NO 506 TOWER, NO E02 KEDAR SOCIETY, TALOJA PHASE 2, ., Uran, MAHARASHTRA, 410208, India

raw reading (for Abhijit)

{'lan': 'HOU/NAV/0926/5213939', 'legible': True, 'purpose': 'Housing Loan', 'borrowers': [{'name': 'MANOHAR NATHA CHAVARE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SARUBAI CHAVARE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan', 'confidence': 1, 'rate_words': '13.15% per annum\n13.15% -3.00% = 10.15% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1340000, 'rate_spread': -3.0, 'final_amount': 1393600, 'interest_rate': 10.15, 'quality_issue': None, 'sanction_date': '12-Sep-2026', 'letter_version': '3', 'reference_rate': 13.15, 'applicant_email': 'manoharchavare4396@gmail.com', 'applicant_names': ['MANOHAR NATHA CHAVARE', 'SARUBAI CHAVARE'], 'printed_altered': False, 'applicant_mobile': '9766687761', 'balance_transfer': False, 'property_address': {'pin': '410208', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Panvel', 'flat_no': '1204', 'district': 'Raigad', 'floor_no': '12TH FLOOR', 'landmark': None, 'full_address': 'FLAT NO 1204, BUILDING NO EC11, 12TH FLOOR, PLOT NO 1, SECTOR NO 39, TALOJA NAVI MUMBAI, Panvel, Raigad, MAHARASHTRA, 410208', 'village_city': 'TALOJA NAVI MUMBAI', 'building_name': 'BUILDING NO EC11', 'survey_or_cts_no': 'PLOT NO 1'}, 'insurance_premium': 53600, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1393600, 'security_address_verbatim': 'FLAT NO 1204, PLOT NO 1, BUILDING NO EC11, 12TH FLOOR, TYPE EWS, MY PREFERRED CIDCO HOME SCHEME MH-01/OCT 2024, TYPE EWS, TALOJA NAVI MUMBAI, Panvel, SECTOR NO 39, Raigad, MAHARASHTRA, India, 410208', 'applicant_address_verbatim': 'FLAT NO 506 TOWER, NO E02 KEDAR SOCIETY, TALOJA PHASE 2, ., Uran, MAHARASHTRA, 410208, India'}

Sanction letter NOI MANOHAR CHAVARE.pdf needs your check

dob
1963-01-01

name
Sarubai Natha Chavare

address
pin: 415509; area: Gaonthan; road: Shirtav TAL MAN; state: Maharashtra; district: Satara; post_office: Pulkoti; village_city: Shirtav

legible
True

aadhaar last4
3835

raw reading (for Abhijit)

{'dob': '1963-01-01', 'pan': None, 'name': 'Sarubai Natha Chavare', 'mobile': None, 'address': {'pin': '415509', 'area': 'Gaonthan', 'flat': None, 'road': 'Shirtav TAL MAN', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Satara', 'post_office': 'Pulkoti', 'village_city': 'Shirtav'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3835', 'quality_issue': None}

Sanction letter NOI MANOHAR CHAVARE.pdf needs your check

payments inside
kind: bundle; payments: [{'utr': '998043980551', 'date': '2026-09-28', 'page': 2, 'time': '13:37', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 12950.0, 'direction': 'credit', 'narration': 'PhonePe Transaction ID T

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'bundle', 'payments': [{'utr': '998043980551', 'date': '2026-09-28', 'page': 2, 'time': '13:37', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 12950.0, 'direction': 'credit', 'narration': 'PhonePe Transaction ID T2609281337336698151665', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': None, 'account_holder': None}}

Sanction letter NOI MANOHAR CHAVARE.pdf needs your check

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'bundle', 'payments': [{'utr': '998043980551', 'date': '2026-09-28', 'page': 2, 'time': '13:37', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 12950.0, 'direction': 'credit', 'narration': 'PhonePe Transaction ID T2609281337336698151665', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': None, 'account_holder': None}}

Other image001.png needs your check

payments inside
payments: []; rows_read: 0

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': None, 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}

Other image002.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Sanction letter NOI MANOHAR CHAVARE.pdf needs your check

dob
1963-01-01

name
Sarubai Natha Chavare

page
3

address
pin: 415509; state: Maharashtra; district: Satara; post_office: Pulkoti; village_city: Gaonthan, Shirtav

legible
True

card kind
aadhaar

card of many
1

aadhaar last4
3835

raw reading (for Abhijit)

{'dob': '1963-01-01', 'pan': None, 'name': 'Sarubai Natha Chavare', 'page': 3, 'mobile': None, 'address': {'pin': '415509', 'area': None, 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Satara', 'post_office': 'Pulkoti', 'village_city': 'Gaonthan, Shirtav'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 1, 'aadhaar_last4': '3835', 'quality_issue': None}

Sanction letter NOI MANOHAR CHAVARE.pdf needs your check

dob
1996-03-04

name
Manohar Natha Chavare

page
6

address
pin: 410206; area: KALAMBOLI; flat: ROOM NO H 34; road: SEC 3; state: Maharashtra; building: LIG 2; district: Raigad; village_city: Panvel

legible
True

card kind
aadhaar

card of many
2

aadhaar last4
5576

raw reading (for Abhijit)

{'dob': '1996-03-04', 'pan': None, 'name': 'Manohar Natha Chavare', 'page': 6, 'mobile': None, 'address': {'pin': '410206', 'area': 'KALAMBOLI', 'flat': 'ROOM NO H 34', 'road': 'SEC 3', 'floor': None, 'state': 'Maharashtra', 'building': 'LIG 2', 'district': 'Raigad', 'post_office': None, 'village_city': 'Panvel'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 2, 'aadhaar_last4': '5576', 'quality_issue': None}

PAN card IMG-20260903-WA0023.jpg needs your check

dob
1996-03-04

pan
BPBPC5717F

name
MANOHAR NATHA CHAVRE

legible
True

father name
NATHA BALU CHAVRE

raw reading (for Abhijit)

{'dob': '1996-03-04', 'pan': 'BPBPC5717F', 'name': 'MANOHAR NATHA CHAVRE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'NATHA BALU CHAVRE', 'aadhaar_last4': None, 'quality_issue': None}

Paid challan (GRAS) MANOHAR NATHA CHAVRE EchallanMH011445815202627E.pdf needs your check

grn
MH011445815202627E

pin
410208

total
11170.0

article
6(1)

defaced
False

bank cin
03006172026100600409

district
RAIGAD

area city
RANYAH

payer pan
BPBXXXXXXF

flat block
FLAT NO 1204 12TH FLOOR BUILDING NO EC11 PLOT NO 1 SECTOR NO 39

payer name
MANOHAR NATHA CHAVRE

sro office
PNL1_PANVEL NO 1 SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA-1393600

scheme rows
{'amount': 4190.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 6980.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7761

payment date
06/10/2026-12:28:35

road locality
MY PREFERRED CIDCO HOME SCHEME MH-01/OCT 2024 TALOJA NAVI MUMBAI

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1393600

raw reading (for Abhijit)

{'grn': 'MH011445815202627E', 'pin': '410208', 'total': 11170.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100600409', 'district': 'RAIGAD', 'area_city': 'RANYAH', 'payer_pan': 'BPBXXXXXXF', 'flat_block': 'FLAT NO 1204 12TH FLOOR BUILDING NO EC11 PLOT NO 1 SECTOR NO 39', 'payer_name': 'MANOHAR NATHA CHAVRE', 'sro_office': 'PNL1_PANVEL NO 1 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA-1393600', 'scheme_rows': [{'amount': 4190.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 6980.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7761', 'payment_date': '06/10/2026-12:28:35', 'road_locality': 'MY PREFERRED CIDCO HOME SCHEME MH-01/OCT 2024 TALOJA NAVI MUMBAI', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1393600'}

Technical record (for Abhijit — safe to ignore)

1d ago	system:emails	email_shadowed:index2_chase	{'to': 'kavita.tambe@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAV/0926/5213939) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\
1d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
4d ago	system:emails	email_shadowed:index2_chase	{'to': 'kavita.tambe@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAV/0926/5213939) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\
4d ago	system:emails	draft_withdrawn	{'why': 'the index2 chase makes it pointless — it would ask for what the case already has', 'count': 1, 'kinds': ['ack_docs']}
7d ago	system:learn	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed BPxxxxxxXF — no paper on the
7d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '444087', 'lessons': []}
7d ago	system:ingest	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': 'MANOHAR NATHA CHAVR
7d ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'PNL1_PANVEL NO 1 SUB REGISTRAR', 'district': 'RAIGAD'}
7d ago	system:extract	challan_verified_against_case	{'grn': 'MH011445815202627E', 'file': 'MANOHAR NATHA CHAVRE EchallanMH011445815202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
7d ago	system:extract	challan_extracted	{'grn': 'MH011445815202627E', 'file': 'MANOHAR NATHA CHAVRE EchallanMH011445815202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 11170.0}
7d ago	system:ingest	filing_waits_on_title_doc	{'was': 'US', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the bran
7d ago	system:ingest	challan_found_on_case	{'was': 'ACKNOWLEDGED', 'why': 'a challan is on the case — it counts; a challan is on file; its amounts could not be read — check it by eye', 'file': 'MANOHAR NATHA CHAVRE EchallanMH011445815202627E.pdf', 'kind': 'unread
7d ago	copilot:SANDEEP	copilot_edit	{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
7d ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed Property box 1 and Property box 2 match the base paper's address line, split acc
7d ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03024'}
7d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '444054', 'lessons': [{'box': 'Payer', 'words': 'Payer: the team took MANOHAR
7d ago	copilot:SANDEEP	copilot_edit	{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
7d ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed property boxes match the expected values and are consistent with the base paper
7d ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': False, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03024'}
7d ago	system:extract	challan_boxes_composed	{'fp': '22e3a9113b44e4f8', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'papers', 'box1': 'FLAT NO 1204 12TH FLOOR BUILDIN
7d ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed property boxes match the expected values and are consistent with the base paper
7d ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03024'}
7d ago	ezdocs:reader	allotment_read	{'fp': 'f01504f3ee9e7f08', 'city': 'Navi Mumbai', 'file': 'NOI MANOHAR CHAVARE.pdf', 'node': 'TALOJA', 'wing': None, 'asked': True, 'doc_id': '60e824f8-25f1-4137-a676-af863aec0986', 'issuer': 'CITY AND INDUSTRIAL DEVELOP
7d ago	system:extract	property_self_check	{'ok': False, 'why': "EzDocs judged every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Road', 'why': "The
7d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-06T06:18:59', 'why': 'mail', 'open': 7, 'mails': [{'at': '2026-09-30 13:13', 'id': '1a0f2743adbed2aa', 'from': 'branch', 'gist': "The branch says it has attached documents and a payment receipt
7d ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-06T06:18:59', 'asks': [], 'gist': 'The branch has resent the same mail with the same attachments as before.', 'next': None, 'brought': [], 'rectified': [], 'message_id': '1a10fdd43ee4fc49', 'still_open':
7d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-06T06:18:58', 'why': 'paper', 'open': 7, 'mails': [{'at': '2026-09-30 13:13', 'id': '1a0f2743adbed2aa', 'from': 'branch', 'gist': "The branch says it has attached documents and a payment receipt
7d ago	ezdocs:reader	paper_against_file490	{'at': '2026-10-06T06:18:58', 'why': 'The PAN card belongs to Manohar Natha Chavare and supplies his PAN and date of birth.', 'file': 'IMG-20260903-WA0023.jpg', 'kinds': ['pan', 'pan'], 'doc_id': '83ef0e8d-744f-4fd1-ba9d
7d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-06T06:18:56', 'why': 'first note', 'open': 7, 'mails': [{'at': '2026-09-30 13:13', 'id': '1a0f2743adbed2aa', 'from': 'branch', 'gist': "The branch says it has attached documents and a payment re
7d ago	system:emails	email_shadowed:ack_docs	{'to': 'kavita.tambe@pnbhousing.com', 'body': "Dear Team,\n\nWe acknowledge receipt of your documents for the captioned case (LAN: HOU/NAV/0926/5213939).\n\n Applicant : Manohar Natha Chavare\n LAN : HOU/NAV/0926

Case diary the case’s history — what happened, newest day first

Papers

Challan papers in; e-filing papers pending

For the visit later: Index II copy / Title document

Money

₹12,990.50 to come

No screenshot and no credit yet.

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

Needs your eyes: The work is done — our fee of ₹12,990.50 is still not in our account. Chase the branch for it.

Yesterday · 12 Oct2 things

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03024 | HOU/NAV/0926/5213939

10:00

An old draft withdrew itself — its asks were already answered

10:00

9 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03024 | HOU/NAV/0926/5213939