⚠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.
Jyotiba Vasant Gaikwad
LAN 77000356344Loan ₹36,24,989BT + top-upMails & papers 8 1 draft 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
30 Sep, 13:19
Documents
Payment
Challan
done 30 Sep, 18:45 · GRAS ↗
Filing
took 22h 29m · IGR e-filing ↗
E-filing copy
done 1 Oct, 17:15
Index II
took 5d 20h
doneIndex II shared · the trail says: The NOI has been filed and the e-filing copy shared. The team is now waiting for the government to issue the Index II of the NOI.whole case so far 13d 11h
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
7 Oct4 things
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
desk documents backfill
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9990110260535.pdf
1 Oct6 things — 1 document received · 1 letter written · 4 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
dhc prn read
efiling copy read
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9990110260535.pdf
30 Sep74 things — 11 documents received · 3 letters written · 60 steps
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
quoted history checked
pan card name set aside — by copilot
pan card name set aside — by copilot
pan card name set aside — by copilot
pan card name set aside — by copilot
copilot check issues — by copilot
pan card name set aside — by copilot
EzDocs read the whole trail as one conversation — where the case stands is on the page
pan card name set aside — by copilot
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
JOTIBA VASANT GAYAKWAD EchallanMH011148225202627E.pdf
copilot edit — by copilot:NIKHIL
copilot check issues — by copilot
pan card name set aside — by copilot
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
claim part duplicate
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
The home address was read off the papers — by ezdocs:reader
case read — by ezdocs:reader
boxes gathered
address compared
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-02945
challan boxes composed
acknowledged with advice
No fee quote sent — the branch's own figures were right
box disagreement
The payment proof already on the case was applied
property self check
property from index2
index2 people checked
money settled — by ezdocs:reader
money not settled
documents read together
property self check
property from index2
index2 people checked
case read started — by ezdocs:reader
applicant email captured
roles from letter
Payment proof arrived before the case was quoted — held
Received: Sanction letter
KFSLetter_77000356344.pdf
property english extracted
Property checked by the engine — read from the report, every box that names the flat is there
index2 people checked
Property read from the legal / technical report (the sanction letter had none)
Index II (title document) received from the branch
Received: Payment screenshot
IMG-20260930-WA0012.jpg
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
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
Received: Index II
INDEX 2.jpg
Received: Technical report
Gaikwad Technical.pdf
Co-applicant added
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
Pooja photo.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: PAN card
Pooja gaikwad pan.pdf
Received: Aadhaar
EAadhaar_POOJA (1).pdf
Received: PAN card
JOTIBA PAN CARD.pdf
Received: Aadhaar
JYOTIBA ADHAR.pdf
Received: Selfie
Jyotiba Photo.jpg
case type guessed from mail
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 needsall in
11 of 11 in hand · the challan is done — these are for the filing / KYC
✓Selfie / photoopen
✓Aadhaar cardopen
✓PAN cardopen
✓Technical reportopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 13 files
Moneyall of it is in
₹27,930.03
Reached our account 27 Sep 12:31:28.
How we know
Our own bank told us — 27 Sep 12:31
₹54,360 · UTR AXNGG27005399681 · from VA-PNBSMS-S · a/c …0581
“Ac XX0581 Credited with Rs.54360.00,27-09-2026 12:31:28 thru NEFT from AXNGG27005399681/GOOGLE INDIA DIGITAL . Aval Bal 133188.04 CR Helpline 18001800/18002021-PNB”
Matched by: part of one Google settlement split over several cases
The working
Stamp duty 0.3%10,880
Registration fee 0.5%15,000
Government handling350
Our service fee1,700
Total we ask for27,930.03
By law ₹27,924.97. We ask ₹27,930 (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.
Propertyby the engine, from the Index II
401, 4th, Kemer Valley D Wing Sahakari Gruh Rachana Sanstha Maryadit, Wing D, GAT, 1643, 1644, 1645, Vishwali, 411062
read from the Index II · e-filing boxes 44 of 46 ready
Check the property →the boxes beside the paper
People
JOTIBA VASANT GAYAKWAD · applicantBCJPG7495MPOOJA JOTIBA GAYAKWAD · co-applicantMFTPS5901L
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