⚠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.
KUNAL DILIP GIRNAR
LAN HOU/KRDI/0826/5196851Loan ₹37,96,440NOIWaiting for the Index IIMails & papers 11 5 drafts to send
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
18 Sep, 14:03
Documents
Payment
Challan
done 30 Sep, 10:00 · GRAS ↗
Filing
waiting 13d 14h · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
waiting on the branchChallan paid · the trail says: The bank has provided initial documents and the loan amount, and the NOI team has generated and shared the challan. The NOI team is now waiting for the bank to…whole case so far 25d 10h
Needs your eyes1
1 difference(s) between the papers to look at once — none stops the challan. See them →
CONFIRM THE PROPERTY — then file
The engine read these from the sanction letter. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.
District
PUNE
Taluka
WAGHOLI
Village
WAGHOLI
Number type
PLOT
Number
40
Building
Vrindavan Garden Real Pearl Society
Floor
1ST
Flat / shop no
101
Area
(empty)
Hadd
Wagholi
Read from the sanction letter, not the Index II. Adobe Scan 18 Sep 2026 (1).pdf open it · If an Index II is on file, read the property from it.
✓ EzDocs checked every box against the document’s own words 25d ago — all agree.
Area is empty — the portal will not take a blank. Fill it on the verification page first →
NEXT STEPwaiting on the branch
Wait for the branch's Index II, then file the NOI
The challan is paid.
The branch has not sent the title document (the Index II of the sale deed, or the sale deed) — the e-filing starts from its document number. The engine asked for it with the challan mail and asks again every few days. In hand? Upload it under ⋯ → Papers.
Before opening the portal, the engine sees:
• PROPERTY NOT VERIFIED — open the case's Details & records, check the English boxes against the title document, save a correction if needed. e-filing makes this a government record.
• Manisha Kunal Gimar: PAN missing — Manisha Kunal Gimar's own Aadhaar (ID card 18 Sep 2026 (1).pdf) is read but no PAN comes off it — read it off the card beside the form
• person 2's mobile: the case's 7499876978 came off a card — not typed; copy it from the sanction letter / KFS or the branch's mail
• 14 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road
• Build Up Area not on file — read it off the Index II / sale deed
How — one e-filing tab, the co-pilot fills
Press the button; 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. Not logged in yet today? open the portal. The co-pilot creates the token from the Date of Mortgage, opens each page and fills it, checked by EzDocs; you check, do photo and thumb, press each Save and the final submit. Then press Filed on IGR so the branch hears it. New to it? Rehearse on the practice copy.
Historywhat happened on this case, newest first
1 Oct6 things
cards read
roles from letter
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
cards read
30 Sep1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01959 | HOU/KRDI/0826/5196851
27 Sep4 things — 4 steps
mail read as shown
mail read as shown
mail read as shown
mail read as shown
25 Sep6 things — 1 letter written · 5 steps
This payment is counted on another case too — a person must say whose it is
This payment is counted on another case too — a person must say whose it is
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The home address was read off the papers — by ezdocs:reader
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01959 | HOU/KRDI/0826/5196851
22 Sep1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01959 | HOU/KRDI/0826/5196851
19 Sep5 things — 1 letter written · 4 steps
challan boxes gathered
boxes gathered
address compared
challan boxes composed
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01959 | HOU/KRDI/0826/5196851
18 Sep87 things — 7 documents received · 3 letters written · 77 steps
half read mail reread
boxes gathered
documents read together
half read mail reread
boxes gathered
documents read together
half read mail reread
boxes gathered
documents read together
half read mail reread
boxes gathered
documents read together
half read mail reread
boxes gathered
challan boxes composed
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
challan boxes gathered
boxes gathered
address compared
challan boxes by rules
kyc address read
boxes gathered
address compared
challan boxes by rules
box disagreement
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
half read mail reread
boxes gathered
documents read together
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
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
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
KUNAL DILEEP GIRNAR EchallanMH010434951202627E.pdf
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
address compared
challan boxes composed
documents read together
copilot check ok — by copilot
copilot pick — by copilot
The home address was read off the papers — by ezdocs:reader
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
address compared
challan boxes by rules
box disagreement
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
quoted history checked
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
property self check
boxes gathered
address compared
challan boxes composed
box disagreement
box disagreement
box disagreement
box disagreement
documents read together
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
box disagreement
kyc address read
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
screenshot claim recorded
Received: other
real earl- girnar (2).docx
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-01959
acknowledged with advice
No fee quote sent — the branch's own figures were right
Co-applicant added
party not merged
Co-applicant added
kyc address read
Received: other
image003.jpg
applicant email captured
Property address read from the sanction letter
Received: Aadhaar
ID card 18 Sep 2026.pdf
Received: Aadhaar
ID card 18 Sep 2026 (1).pdf
Received: other
image004.jpg
Received: Sanction letter
Adobe Scan 18 Sep 2026 (1).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.
What the e-filing still needs2 still to come
6 of 8 in hand · the challan is done — these are for the filing / KYC
✓Sanction letteropen
✓Aadhaar cardopen
✓Paid challan (GRAS)open
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
Mails & papers →every paper, beside its mail · 7 files
The whole file has not been read yet7 papers on file
Moneyall of it is in
₹27,890.86
Reached our account 25 Sep 17:23:37.
How we know
Our own bank told us — 25 Sep 17:23
₹28,000 · UTR 130215764167 · from BP-HDFCBN-S
“Successful! You have received Rs. 28000.00 via HDFC Bank SmartHub Vyapar from GANESH SHA . RRN-130215764167 , Check: https://1.hdfc.bank.in/HDFCBK/s/yoyomVp5”
Matched by: AMOUNT ALONE — a little over our ask · BUT the screenshot on this case shows another time / transaction id than this credit — an earlier try, or another payment: open the case, compare the screenshot with this SMS, then press Yes or release it
The working
Stamp duty 0.3%11,400
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for27,890.86
By law ₹27,876.32. We ask ₹28,220 (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.
Propertynot verified yet
101, 1ST, Vrindavan Garden Real Pearl Society, PLOT, 40, WAGHOLI, 412207
read from the sanction letter · e-filing boxes 49 of 58 ready
Check the property →the boxes beside the paper
People
Kunal Dilip Girnar · applicantBEFPG0866JManisha Kunal Gimar · co-applicant…6818MANISHA KUNAL GIRNAR · co-applicantCWTPG4842F
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