Cases / NOI-2026-03067
Vilas Ganapat Engle
LAN HOU/NSK/0926/5217650
Challan paid · waiting on the branch
Waiting for the Index IISend the draft 1All documentsMails & papers 3Mail 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
the challan is done — these are for the IGR filing / KYC
✓Sanction letteropen
✓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
All files (4)A label is wrong? Fix it under All documents.
MoneyAll of it is in
₹15,680.24CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹15,640 receivedmatches the branch's receipt
Stamp duty 0.3%5,200
Registration fee 0.5%8,660
Government handling320
Our service fee1,500.24
Total we ask for15,680.24
the branch’s receipt claims ₹15,640 122048437560
paid 30 Sep 21:01:46 · verified 30 Sep 21:46:59 · 45 min later
How we know
Our own bank told us — 30 Sep 21:01
₹15,640 · UTR AXNGG27330003647 · from JK-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.15640.00,30-09-2026 21:01:46 thru NEFT from AXNGG27330003647/GOOGLE INDIA DIGITAL. Aval Bal 193580.45 CR Helpline 18001800/18002021-PNB”
Matched by: the screenshot's amount equals this credit
Paid the bank's own ₹15,640. ₹40.24 under our ask = our margin. Accepted as full.
By law ₹15,660. We ask ₹15,680 (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.
Bank's table ₹15,640 — accept as full (₹40.24 = our margin).
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 12 minour time (made after working hours) · 30 Sep 21:54
Index II —not yet
the NOI team 14 d 20 htotal 14 d 20 h so far
Now with the NOI team — e-filing on IGR
since 30 Sep 21:54 — 14 d 20 h of working time
Day by day — every step and who held it
30 Sep 21:42Your branch's mail
30 Sep 21:42Payment landedat once
30 Sep 21:46Fee quoted+3 min · the NOI team
30 Sep 21:46Papers readat once
30 Sep 21:46Property readat once
30 Sep 21:46Payment verified+1 min · the NOI team
30 Sep 21:47Ready for the challanat once
30 Sep 21:54Challan made+8 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹17,30,000
Loan account no.
HOU/NSK/0926/5217650
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
CONFIRM THE PROPERTY — then file
Area is empty — the portal will not take a blank.
See the boxes — read from the sanction letter
District
Nashik
Taluka
Nashik
Village
Adgaon
Number type
SURVEY
Number
239/1/2/25/26
Building
Shivsundar Heights
Floor
2nd Floor
Flat / shop no
206
Area
(empty)
Hadd
Nashik
Read from the sanction letter, not the Index II. Sanction letter (82).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 14d ago — all agree.
To look first, or to fix a box, open the verification page — the document beside every box.
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. EzDocs 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, EzDocs sees:
• Mortgagor pages: JYOTI VILAS ENGALE is named on the sanction letter (Sanction letter (82).pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card
• 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.
• 13 property box(es) not from the Index II / worked out / unsure — shown in orange 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
• changed — road: the case held SARSWATI NAGAR, DHATRAK PHATA; filled SARSWATI NAGAR — EzDocs (reading the whole file), from the sanction letter, reads it so
• changed — block/sector: the case held PANCHAVATI, ADGAON; filled PANCHAVATI — EzDocs (reading the whole file), from the 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.
⚠ 3 differences 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
CHECKBorrower name spelling difference
| The sanction letter | VILAS GANAPAT ENGLE |
| The branch's mail | VILAS GANPAT INGALE |
| The Aadhaar card | Vilas Ganapat Engle |
Why it matters: The borrower's surname is spelled ENGLE in the sanction letter and PAN card, but the branch's request mail spells it as INGALE. The Aadhaar card has Vilas Ganapat Engle.
What to do: Verify the correct spelling of the borrower's surname with the branch before filing.
CHECKCo-applicant name spelling difference
| The sanction letter | JYOTI VILAS ENGALE |
| The PAN card | JYOTI VILAS INGALE |
| The Aadhaar card | Jyoti Vilas Ingale |
Why it matters: The co-applicant's surname is spelled ENGALE in the sanction letter, but her PAN and Aadhaar cards spell it as INGALE.
What to do: Confirm which surname spelling should be used for the co-applicant on the notice.
CHECKThe name of person 2
| The PAN card | JYOTI VILAS INGALE |
| The sanction letter DIFFERS | JYOTI VILAS ENGALE |
What to do: The name is spelt differently on the two papers. The person's name is typed as the PAN card prints it; read both once — if they are not the same person, stop and ask the branch.
Compared: the sanction letter; and EzDocs (reading the whole file). Nothing here is typed or changed by itself.
Where this case stands — the whole trailread by EzDocs as one conversation
The team has received the documents and payment, and has generated and shared the challan. The team is waiting for the branch to send the Index II copy to proceed with the NOI filing.
the history says the next move is with the branch — the Index II
✓ loan papers sent — done, mail 1 (2026-09-30) “Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of p”
✓ fee paid — the branch's words — done, mail 1 (2026-09-30) “Payment details attached”
✓ challan made — done, mail 3 (2026-09-30) “PFA challan for your reference..”
✓ challan shared — done, mail 3 (2026-09-30) “PFA challan for your reference..”
? Index II asked for — asked, mail 2 (2026-09-30) “For NOI filing, We need an index 2 copy..”
read over 3 mail(s), last mail 2026-09-30 · read 14d 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). 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.
✓ EzDocs checked every box against the document’s own words 14d ago — all agree.
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 | MH011195816202627E | — | pending |
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.
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. Your own words, or a paper of the case with it? Reply on Mails & papers →
DRAFT — written by EzDocs, not sent
Re: Process 0.3 & 0.5 Challan in case of Loan No: HOU/NSK/0926/5217650 Applicant Name: VILAS GANPAT INGALE
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
AK
abhijeet.kale@phfl.com phfl.com
30 Sep, 21:42 · 14d ago THE FIRST MAIL — how this case began
30 Sep, 21:42 · 14d ago THE FIRST MAIL — how this case began
Process 0.3 & 0.5 Challan in case of Loan No: HOU/NSK/0926/5217650 Applicant Name: VILAS GANPAT INGALE
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case
Customer nameVILAS GANAPAT ENGLE
Loan account (LAN)HOU/NSK/0926/5217650
Loan amount₹17,30,000
Stamp duty 0.30%₹5,190
Registration fee 0.50%₹8,650
DHC₹300
Service / vendor fees₹1,500
Total₹15,640
- ✓ Sanction Letter — attached
- ✓ Customer Aadhar Card / co applicant — attached
- ✓ Customer pan Card / co applicant — attached
- ✓ Form A2 or Soft copy of photograph — attached
- ✓ Payment details — attached
*Index II CopyOTC.
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
earlier mails quoted below
From: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Date: 30-09-2026 09:37 pm
To: piyush.aher (piyush.aher@phfl.com)
Subject: Fw: DocScanner Sep 30, 2026 20-46.pdf
pfa
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
From: Sharad Pandurang Ghandge (sharad.ghandge@phfl.com)
Date: 30-09-2026 08:48 pm
To: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Subject: DocScanner Sep 30, 2026 20-46.pdf
Noi vilas engle
🤖 read: documents attached
OL
The NOI teamTYPED IN GMAIL
30 Sep, 21:50 · 14d ago
30 Sep, 21:50 · 14d ago
Team,
We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, We need an index 2 copy..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 30 Sept 2026 at 21:45, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case
Customer Name VILAS GANAPAT ENGLE
Lan No HOU/NSK/0926/5217650
Loan Amount 1730000
LOAN AMOUNT 1730000
0.30% 5190
0.50% 8650
FEES 1500
DHC 300
TOTAL 15,640
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
From: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Date: 30-09-2026 09:37 pm
To: piyush.aher (piyush.aher@phfl.com)
Subject: Fw: DocScanner Sep 30, 2026 20-46.pdf
pfa
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
From: Sharad Pandurang Ghandge (sharad.ghandge@phfl.com)
Date: 30-09-2026 08:48 pm
To: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Subject: DocScanner Sep 30, 2026 20-46.pdf
Noi vilas engle
🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
30 Sep, 21:57 · 14d ago
30 Sep, 21:57 · 14d ago
Team,
PFA challan for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 30 Sept 2026 at 21:50, 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. For NOI filing, We need an index 2 copy..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 30 Sept 2026 at 21:45, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case
Customer Name VILAS GANAPAT ENGLE
Lan No HOU/NSK/0926/5217650
Loan Amount 1730000
LOAN AMOUNT 1730000
0.30% 5190
0.50% 8650
FEES 1500
DHC 300
TOTAL 15,640
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
From: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Date: 30-09-2026 09:37 pm
To: piyush.aher (piyush.aher@phfl.com)
Subject: Fw: DocScanner Sep 30, 2026 20-46.pdf
pfa
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
From: Sharad Pandurang Ghandge (sharad.ghandge@phfl.com)
Date: 30-09-2026 08:48 pm
To: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Subject: DocScanner Sep 30, 2026 20-46.pdf
Noi vilas engle
🤖 read: challan shared ✓ — “PFA challan for your reference..”
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 |
|---|---|---|---|
| Other | image001.jpg | filed | 14d ago |
| Sanction letter | Sanction letter (82).pdf | filed | 14d ago |
| Payment screenshot+ Selfie / photo inside+ Aadhaar card inside+ PAN card inside | DocScanner Sep 30, 2026 20-46.pdf | filed | 14d ago |
| Paid challan (GRAS) | VILAS GANAPAT ENGLE EchallanMH011195816202627E.pdf | filed | 14d 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
₹15,680.24
₹15,680.24
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹15,640 122048437560
₹15,640 122048437560
Paid at
30 Sep 21:01:46
30 Sep 21:01:46
Verified on
30 Sep 21:47:00
30 Sep 21:47:00
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹5,200 | ₹8,660 | ₹320 | ₹1,500 | ₹15,680 |
By law ₹15,660. We ask ₹15,680 (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.
Property (must be perfect)
38 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Area, Area unit (Sq.mt. / Sq.ft.), Title deed held by the bank (Agreement to Sale / Sale Deed …), Title deed no / year / SRO, Mobile (person 1) …
18 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, worked out, 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 checked every box against the document’s own words 14d ago — all agree.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
Sanction letter (82).pdf
as printed
FLAT NO 206, 2ND FLOOR, SHIVSUNDAR HEIGHTS, S NO 239/1/2/25/26, PLOT NO 24 AND 25, PANCHAVATI, ADGAON, SARSWATI NAGAR, NASHIK, DHATRAK PHATA, NASHIK, MAHARASHTRA, INDIA, 422003
FLAT NO 206, 2ND FLOOR, SHIVSUNDAR HEIGHTS, S NO 239/1/2/25/26, PLOT NO 24 AND 25, PANCHAVATI, ADGAON, SARSWATI NAGAR, NASHIK, DHATRAK PHATA, NASHIK, MAHARASHTRA, INDIA, 422003
PIN
422003
422003
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO 206 2ND FLOOR SHIVSUNDAR HEIGHTS SURVEY NO 239/1/2/25/26 PLOT NO 24 AND 25
FLAT NO 206 2ND FLOOR SHIVSUNDAR HEIGHTS SURVEY NO 239/1/2/25/26 PLOT NO 24 AND 25
Locality/Road
PANCHAVATI ADGAON SARSWATI NAGAR DHATRAK PHATA
PANCHAVATI ADGAON SARSWATI NAGAR DHATRAK PHATA
Area/City
NASHIK
check or correct a box, the papers beside it →NASHIK
Every paper prints the same words as the main paper.
Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main 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 |
|---|---|---|---|
| co_mortgagor | JYOTI VILAS INGALE | ADIPI4998Q | …4985 |
| mortgagor | VILAS GANAPAT ENGLE | ABCPI7000B | …0521 |
All mail records (for Abhijit — safe to ignore)
1 mail(s) written and held — read and send them on Draft mails.
| Template | To | When |
|---|---|---|
| acknowledgement | abhijeet.kale@phfl.com | 14d ago |
| Index II chase | abhijeet.kale@phfl.com | 8h ago |
What EzDocs read from each document — check anything marked in red
Other image001.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Sanction letter Sanction letter (82).pdf needs your check
lan
HOU/NSK/0926/5217650
HOU/NSK/0926/5217650
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'VILAS GANAPAT ENGLE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'JYOTI VILAS ENGALE', 'role': 'co_applicant', 'label': 'Applicant'}
{'name': 'VILAS GANAPAT ENGLE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'JYOTI VILAS ENGALE', 'role': 'co_applicant', 'label': 'Applicant'}
loan type
Housing Loan
Housing Loan
confidence
1.0
1.0
rate words
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
loan amount
1650000.0
1650000.0
rate spread
-4.65
-4.65
final amount
1730000.0
1730000.0
interest rate
8.5
8.5
sanction date
30-Sep-2026
30-Sep-2026
letter version
5
5
reference rate
13.15
13.15
applicant email
vilashsingle855@gmail.com
vilashsingle855@gmail.com
applicant names
VILAS GANAPAT ENGLE, JYOTI VILAS ENGALE
VILAS GANAPAT ENGLE, JYOTI VILAS ENGALE
printed altered
False
False
applicant mobile
9834575600
9834575600
balance transfer
False
False
property address
pin: 422003; road: Sarswati Nagar, Dhatrak Phata; state: MAHARASHTRA; taluka: Nashik; Flat no: 206; district: Nashik; Floor: 2nd Floor; Address: Flat No 206, 2nd Floor, Shivsundar Heights, S No 239/1/2/25/26, Plo
pin: 422003; road: Sarswati Nagar, Dhatrak Phata; state: MAHARASHTRA; taluka: Nashik; Flat no: 206; district: Nashik; Floor: 2nd Floor; Address: Flat No 206, 2nd Floor, Shivsundar Heights, S No 239/1/2/25/26, Plo
insurance premium
80000.0
80000.0
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
1730000.0
1730000.0
security address verbatim
Flat No 206, 2nd Floor, Shivsundar Heights, S No 239/1/2/25/26, Plot No 24 And 25, Panchavati, Adgaon, Sarswati Nagar, Nashik, Dhatrak Phata, Nashik, MAHARASHTRA, India, 422003
Flat No 206, 2nd Floor, Shivsundar Heights, S No 239/1/2/25/26, Plot No 24 And 25, Panchavati, Adgaon, Sarswati Nagar, Nashik, Dhatrak Phata, Nashik, MAHARASHTRA, India, 422003
applicant address verbatim
HOME NO. 4568, PANKAJ BHAVAN, VISHNU NAGAR, NEW GANESH WADI, PANCHAVATI NASHIK, Nashik, MAHARASHTRA, 422003, India
HOME NO. 4568, PANKAJ BHAVAN, VISHNU NAGAR, NEW GANESH WADI, PANCHAVATI NASHIK, Nashik, MAHARASHTRA, 422003, India
raw reading (for Abhijit)
{'lan': 'HOU/NSK/0926/5217650', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'VILAS GANAPAT ENGLE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'JYOTI VILAS ENGALE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan', 'confidence': 1.0, 'rate_words': 'PNBRRR * 13.15% per annum\nApplicable Rate of Interest * 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1650000.0, 'rate_spread': -4.65, 'final_amount': 1730000.0, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '30-Sep-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'vilashsingle855@gmail.com', 'applicant_names': ['VILAS GANAPAT ENGLE', 'JYOTI VILAS ENGALE'], 'printed_altered': False, 'applicant_mobile': '9834575600', 'balance_transfer': False, 'property_address': {'pin': '422003', 'road': 'Sarswati Nagar, Dhatrak Phata', 'state': 'MAHARASHTRA', 'taluka': 'Nashik', 'flat_no': '206', 'district': 'Nashik', 'floor_no': '2nd Floor', 'landmark': None, 'full_address': 'Flat No 206, 2nd Floor, Shivsundar Heights, S No 239/1/2/25/26, Plot No 24 And 25, Panchavati, Adgaon, Sarswati Nagar, Nashik, Dhatrak Phata, Nashik, MAHARASHTRA, India, 422003', 'village_city': 'Adgaon', 'building_name': 'Shivsundar Heights', 'survey_or_cts_no': 'S No 239/1/2/25/26, Plot No 24 And 25'}, 'insurance_premium': 80000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1730000.0, 'security_address_verbatim': 'Flat No 206, 2nd Floor, Shivsundar Heights, S No 239/1/2/25/26, Plot No 24 And 25, Panchavati, Adgaon, Sarswati Nagar, Nashik, Dhatrak Phata, Nashik, MAHARASHTRA, India, 422003', 'applicant_address_verbatim': 'HOME NO. 4568, PANKAJ BHAVAN, VISHNU NAGAR, NEW GANESH WADI, PANCHAVATI NASHIK,\nNashik, MAHARASHTRA, 422003, India'}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
utr
122048437560
122048437560
date
2026-09-30
2026-09-30
time
20:46
20:46
amount
15640
15640
method
PhonePe
PhonePe
payee upi
9892834356-2@okbizaxis
9892834356-2@okbizaxis
payee name
THINKBIGZ INITIATIVE PVT LTD
THINKBIGZ INITIATIVE PVT LTD
raw reading (for Abhijit)
{'utr': '122048437560', 'date': '2026-09-30', 'time': '20:46', 'amount': 15640, 'method': 'PhonePe', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
dob
1984-09-26
1984-09-26
legible
True
True
raw reading (for Abhijit)
{'dob': '1984-09-26', 'pan': None, 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
dob
1984-09-26
1984-09-26
name
Vilas Ganapat Engle
Vilas Ganapat Engle
address
pin: 422003; flat: Home No. 4568; road: Vishnu Nagar, New Ganesh Wadi; state: Maharashtra; building: Pankaj Bhuvan; district: Nashik; post_office: Panchvati; Village: Nashik
pin: 422003; flat: Home No. 4568; road: Vishnu Nagar, New Ganesh Wadi; state: Maharashtra; building: Pankaj Bhuvan; district: Nashik; post_office: Panchvati; Village: Nashik
legible
True
True
aadhaar last4
0521
0521
raw reading (for Abhijit)
{'dob': '1984-09-26', 'pan': None, 'name': 'Vilas Ganapat Engle', 'mobile': None, 'address': {'pin': '422003', 'area': None, 'flat': 'Home No. 4568', 'road': 'Vishnu Nagar, New Ganesh Wadi', 'floor': None, 'state': 'Maharashtra', 'building': 'Pankaj Bhuvan', 'district': 'Nashik', 'post_office': 'Panchvati', 'village_city': 'Nashik'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '0521', 'quality_issue': None}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
dob
1984-09-26
1984-09-26
pan
ABCPI7000B
ABCPI7000B
name
VILAS GANAPAT ENGLE
VILAS GANAPAT ENGLE
page
5
5
legible
True
True
card kind
pan
pan
father name
GANPAT PANDHARINATH ENGLE
GANPAT PANDHARINATH ENGLE
card of many
1
1
raw reading (for Abhijit)
{'dob': '1984-09-26', 'pan': 'ABCPI7000B', 'name': 'VILAS GANAPAT ENGLE', 'page': 5, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'GANPAT PANDHARINATH ENGLE', 'card_of_many': 1, 'aadhaar_last4': None, 'quality_issue': None}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
dob
1984-09-26
1984-09-26
name
Vilas Ganapat Engle
Vilas Ganapat Engle
page
4
4
address
pin: 422003; flat: Home No. 4568; road: Vishnu Nagar, New Ganesh Wadi; state: Maharashtra; building: Pankaj Bhuvan; district: Nashik; post_office: Panchvati; Village: Nashik
pin: 422003; flat: Home No. 4568; road: Vishnu Nagar, New Ganesh Wadi; state: Maharashtra; building: Pankaj Bhuvan; district: Nashik; post_office: Panchvati; Village: Nashik
legible
True
True
card kind
aadhaar
aadhaar
card of many
2
2
aadhaar last4
0521
0521
raw reading (for Abhijit)
{'dob': '1984-09-26', 'pan': None, 'name': 'Vilas Ganapat Engle', 'page': 4, 'mobile': None, 'address': {'pin': '422003', 'area': None, 'flat': 'Home No. 4568', 'road': 'Vishnu Nagar, New Ganesh Wadi', 'floor': None, 'state': 'Maharashtra', 'building': 'Pankaj Bhuvan', 'district': 'Nashik', 'post_office': 'Panchvati', 'village_city': 'Nashik'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 2, 'aadhaar_last4': '0521', 'quality_issue': None}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
dob
1990-05-02
1990-05-02
pan
ADIPI4998Q
ADIPI4998Q
name
JYOTI VILAS INGALE
JYOTI VILAS INGALE
page
6
6
legible
True
True
card kind
pan
pan
father name
SUKDEV RAMA NATH
SUKDEV RAMA NATH
card of many
3
3
raw reading (for Abhijit)
{'dob': '1990-05-02', 'pan': 'ADIPI4998Q', 'name': 'JYOTI VILAS INGALE', 'page': 6, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'SUKDEV RAMA NATH', 'card_of_many': 3, 'aadhaar_last4': None, 'quality_issue': None}Payment screenshot DocScanner Sep 30, 2026 20-46.pdf needs your check
dob
1990-05-02
1990-05-02
name
Jyoti Vilas Ingale
Jyoti Vilas Ingale
page
7
7
address
pin: 422003; road: vishnu nagar, new ganesh wadi; state: Maharashtra; building: pankaj bhuwan; district: Nashik; post_office: Panchvati; Village: Nashik
pin: 422003; road: vishnu nagar, new ganesh wadi; state: Maharashtra; building: pankaj bhuwan; district: Nashik; post_office: Panchvati; Village: Nashik
legible
True
True
card kind
aadhaar
aadhaar
card of many
4
4
aadhaar last4
4985
4985
raw reading (for Abhijit)
{'dob': '1990-05-02', 'pan': None, 'name': 'Jyoti Vilas Ingale', 'page': 7, 'mobile': None, 'address': {'pin': '422003', 'area': None, 'flat': None, 'road': 'vishnu nagar, new ganesh wadi', 'floor': None, 'state': 'Maharashtra', 'building': 'pankaj bhuwan', 'district': 'Nashik', 'post_office': 'Panchvati', 'village_city': 'Nashik'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 4, 'aadhaar_last4': '4985', 'quality_issue': None}Paid challan (GRAS) VILAS GANAPAT ENGLE EchallanMH011195816202627E.pdf needs your check
grn
MH011195816202627E
MH011195816202627E
pin
422003
422003
total
13860.0
13860.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100100295
03006172026100100295
district
NASHIK
NASHIK
area city
NASHIK
NASHIK
payer pan
ABCXXXXXXB
ABCXXXXXXB
flat block
FLAT NO 206 2ND FLOOR SHIVSUNDAR HEIGHTS S NO 239/1/2/25/26 PLOT NO 24 AND 25
FLAT NO 206 2ND FLOOR SHIVSUNDAR HEIGHTS S NO 239/1/2/25/26 PLOT NO 24 AND 25
payer name
VILAS GANAPAT ENGLE
VILAS GANAPAT ENGLE
sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR
NSK5_NASHIK 5 JOINT SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1730000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1730000
scheme rows
{'amount': 5200.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8660.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 5200.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8660.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX5600
XXXXXX5600
payment date
30/09/2026-21:54:51
30/09/2026-21:54:51
road locality
PANCHAVATI ADGAON SARSWATI NAGAR DHATRAK PHATA NASHIK MAHARASHTRA
PANCHAVATI ADGAON SARSWATI NAGAR DHATRAK PHATA NASHIK MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
1730000
1730000
raw reading (for Abhijit)
{'grn': 'MH011195816202627E', 'pin': '422003', 'total': 13860.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100100295', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'ABCXXXXXXB', 'flat_block': 'FLAT NO 206 2ND FLOOR SHIVSUNDAR HEIGHTS S NO 239/1/2/25/26 PLOT NO 24 AND 25', 'payer_name': 'VILAS GANAPAT ENGLE', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1730000', 'scheme_rows': [{'amount': 5200.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8660.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX5600', 'payment_date': '30/09/2026-21:54:51', 'road_locality': 'PANCHAVATI ADGAON SARSWATI NAGAR DHATRAK PHATA NASHIK MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1730000'}Technical record (for Abhijit — safe to ignore)
| 2h ago | EzDocs | reader_efiling_verdict | {'fp': '093cfde179f8baea', 'asked': True, 'findings': [{'do': 'Ask branch for the MOTD or mortgage date.', 'box': 'Date of Mortgage', 'why': 'Date of mortgage is required but missing from the filing.', 'page': 'Start pag |
| 4h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 30 Sep, 21:50 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack']} |
| 8h ago | EzDocs | email_shadowed:index2_chase | {'to': 'abhijeet.kale@phfl.com', 'body': 'Team,\n\nKindly share the index 2 copy for the NOI process.\n\nRegards,\nNOI Coordinator (PNB)\nThinkBigz\nM:-8097244974\n', 'subject': 'Re: Process 0.3 & 0.5 Challan in case of |
| 14d ago | EzDocs | case_read | {'how': 'uri', 'tag': 'a80b473e7c3f6a04', 'docs': ['Sanction letter (82).pdf', 'DocScanner Sep 30, 2026 20-46.pdf'], 'loan': {'amount': 1730000, 'made_of': [{'what': 'sanctioned loan amount', 'paper': 'the sanction lette |
| 14d ago | EzDocs | case_read | {'how': 'uri', 'tag': 'a80b473e7c3f6a04', 'docs': ['Sanction letter (82).pdf', 'DocScanner Sep 30, 2026 20-46.pdf'], 'loan': {'amount': 1730000, 'made_of': [{'what': 'sanctioned loan amount', 'paper': 'the sanction lette |
| 14d ago | EzDocs | case_read_started | {'tag': 'a80b473e7c3f6a04', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'} |
| 14d ago | EzDocs | case_read_started | {'tag': 'a80b473e7c3f6a04', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'} |
| 14d ago | EzDocs | quoted_history_checked | {} |
| 14d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 14d ago | EzDocs | trail_read | {'why': 'EzDocs 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_sha |
| 14d ago | EzDocs | 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 ABxxxxxxXB — no paper on the |
| 14d ago | EzDocs | filing_waits_on_title_doc | {'was': 'VENDOR', '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 |
| 14d ago | EzDocs | challan_found_on_case | {'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'VILAS GANAPAT ENGLE EchallanMH011195816202627E.pdf', 'kind': |
| 14d 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': 'VILAS GANAPAT ENGLE |
| 14d ago | EzDocs | challan_verified_against_case | {'grn': 'MH011195816202627E', 'file': 'VILAS GANAPAT ENGLE EchallanMH011195816202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 14d ago | EzDocs | challan_extracted | {'grn': 'MH011195816202627E', 'file': 'VILAS GANAPAT ENGLE EchallanMH011195816202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 13860.0} |
| 14d ago | EzDocs | lesson456 | {'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '394826', 'lessons': [{'box': 'Property box 2', 'words': 'Property box 2: the |
| 14d ago | DARBAR | 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': |
| 14d ago | EzDocs | trail_read | {'why': 'EzDocs 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'], 'mails': 2, 'summary': |
| 14d ago | copilot | copilot_check_ok | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 16, 'differs': []} |
| 14d ago | the co-pilot | challan_boxes_not_the_papers_words | {'why': "check — the boxes carry words the main paper does not print (SURVEY) — read box 1 once against the paper's own words"} |
| 14d ago | EzDocs | reader_home_address | {'fp': 'd2f851d202b83b56', 'from': 'the sanction letter (Sanction letter (82).pdf)', 'home': {'pin': '422003', 'area': 'VISHNU NAGAR, NEW GANESH WADI', 'flat': 'HOME NO. 4568', 'state': 'MAHARASHTRA', 'building': 'PANKAJ |
| 14d ago | EzDocs | roles_from_letter | {'why': "the sanction letter LABELS who is the applicant and who is the co-applicant — GRAS's first party is the BORROWER, and this is the paper that says which of them that is", 'changed': ['VILAS GANAPAT ENGLE -> mortg |
| 14d ago | EzDocs | applicant_name_by_reading455 | {'now': 'Vilas Ganapat Engle', 'was': 'Vilas Ganpat Ingale', 'why': "EzDocs (reading the whole file) says the branch's request is for Vilas Ganapat Engle (loan HOU/NSK/0926/5217650); the request's own words print that name |
| 14d ago | EzDocs | case_read | {'how': 'uri', 'tag': 'e69a0404c64db491', 'docs': ['Sanction letter (82).pdf', 'DocScanner Sep 30, 2026 20-46.pdf'], 'loan': {'amount': 1730000, 'made_of': [{'paper': 'the sanction letter', 'quote': 'Loan Amount INR 1650 |
| 14d ago | EzDocs | trail_read | {'why': 'EzDocs 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', 'index2_sent'], 'mails': 1, 'summar |
| 14d ago | EzDocs | cards_read | {'why': 'this file holds several identity cards — every one read and put on its own person', 'file': 'DocScanner Sep 30, 2026 20-46.pdf', 'cards': 4, 'doc_id': '24fa995c-08a9-4d1e-a6c9-7f02487b0eec', 'applied': 3} |
| 14d ago | EzDocs | kyc_names_match | {'sig': 'JYOTI VILAS INGALE|Jyoti Vilas Ingale|same', 'why': 'the PAN and the Aadhaar name the same person — the same words, in either order', 'score': 1.0, 'pan_file': 'DocScanner Sep 30, 2026 20-46.pdf', 'pan_name': 'J |
| 14d ago | EzDocs | id_doc_filed | {'doc': 'aadhaar', 'file': 'DocScanner Sep 30, 2026 20-46.pdf', 'doc_id': '24fa995c-08a9-4d1e-a6c9-7f02487b0eec', 'person': 'JYOTI VILAS INGALE', 'party_id': 'cd38d43b-bb3f-4b1e-94a7-4cd26ad247b2', 'name_on_doc': 'Jyoti |
| 14d ago | EzDocs | kyc_address_read | {'doc': 'aadhaar', 'pin': '422003', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Nashik', 'doc_id': '24fa995c-08a9- |
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
₹15,640 received — verified
Seen in the account (credit SMS or a person's Verify).
Challan & filing
Challan paid
The challan is paid; the filing is under way.
Next — whose move
Us
file on the IGR site
Today · 15 Oct3 things
EzDocs checked the e-filing boxes against the papers
An old draft withdrew itself — its asks were already answered
Wrote the Index II chase mail — held, silent mode
Re: Process 0.3 & 0.5 Challan in case of Loan No: HOU/NSK/0926/5217650 Applicant Name: VILAS GANPAT INGALE
1 Oct2 things — 2 steps
EzDocs read the whole file
EzDocs read the whole file
30 Sep30 things — 4 documents received · 3 letters written · 2 money steps · 21 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
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
Challan re-read against the case — matches exactly
Received: Challan
VILAS GANAPAT ENGLE EchallanMH011195816202627E.pdf
DARBAR pressed Proceed on the challan — what was changed is kept
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs took 29 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
EzDocs read the whole file
EzDocs read the whole trail as one conversation — where the case stands is on the page
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
Co-applicant added
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
Everything for the challan is in — queued
Papers and money are in — the challan is next.
Wrote the acknowledgement mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No: HOU/NSK/0926/5217650 Applicant Name: VILAS GANPAT INGALE
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.
The payment proof already on the case was applied
The challan's address boxes were written from the papers
A box the papers had not filled was read off a paper and corrected
The loan amount was worked out from the papers
Payment proof arrived before the case was quoted — held
Property address read from the sanction letter
A sanction letter naming someone else was not allowed to rename this case
Received: Payment screenshot
DocScanner Sep 30, 2026 20-46.pdf
Received: Sanction letter
Sanction letter (82).pdf
Received: other
image001.jpg
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.
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