⚠The PNB mailbox has used 155% of what Google lets it send in 24 hours (776 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-00233

Sanmeet Gujrathi Dear Mam

LAN — Needs documents · waiting on the branch Send the draft 1 All documents Mails & papers 11

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).

Papers for the challan6 still to come

1 of 7 in hand.
everything the challan needs, and where each one stands

Still needed for the challan: Sanction Letter, Applicant's Aadhaar Card, Applicant's PAN Card, the property address — no file carries it; ask the branch for the technical report

For the e-filing visit later (not for the challan): Applicant's Selfie / Photo, Index II copy / Title document

✓Payment screenshot — shows ₹46,255; money not verified yetopen

Sanction Letter — still needed

Applicant's Aadhaar Card — still needed

Applicant's PAN Card — still needed

Property address — no document on file carries it; ask the branch for the technical report or Index II

Applicant's Selfie / Photo — for the e-filing visit later

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

Aadhaar and PAN come before the challan: the NOI team checks the name is the same on both.

All files (2)A label is wrong? Fix it under All documents.

Moneynot worked out yet

No fee computed yet — it appears the moment the loan amount is known.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan —not made yet

Index II —not yet

the NOI team 3 h 45 minthe branch 46 d 21 htotal 47 d 1 h so far

Now with the branch — waiting for your documents

since 29 Aug 21:54 — 46 d 18 h of working time

Day by day — every step and who held it

29 Aug 14:35Your branch's mail

29 Aug 18:10Papers from your branch+3 h 34 min · the branch

29 Aug 21:54Papers read+3 h 45 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

—

Loan account no.

—

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

Waiting on the branch

Outstanding: Sanction Letter, Applicant's Aadhaar Card, Applicant's PAN Card. EzDocs has asked — nothing to do here unless you want to phone the branch.

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

The customer's NOI payment has been refunded by the NOI team. The case is now closed as the refund has been processed.

the history says the next move is with no one — the case is finished — The refund has been processed.

the branch last asked: REFUND NOT YET RECEIVED BY THE CUSTOMER...WHY IS THIS TAKING SO LONG TIME??

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

✓ fee paid — the branch's words — done, mail 1 (2026-08-29) “customer has cancelled the loan disbursement process and has already paid the NOI amount.”

read over 11 mail(s), last mail 2026-09-18 · read 27d 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 here

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.

2File the NOI on the IGR site, then tell the branch

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
no filing yet

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 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

NOI case NOI-2026-00233 — pending documents

how it will look to the branch

Dear Team,

With reference to the captioned case, the following is pending from your end:

Sanction Letter — not received yet
Applicant's Aadhaar Card — not received yet
Applicant's PAN Card — not received yet

Already received with thanks, no need to resend:

Payment Screenshot with UTR

These are needed for the GRAS challan; the challan is what your disbursement waits on, so it helps to send them together.

Kindly share the above on this same email thread. The NOI filing timeline (30 days from the date of mortgage) applies, so early documents help us protect it.

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 thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.

📑 Open mails & papers — each mail beside its papers, ← → the next paper

AA aman.agrawal@phfl.com phfl.com
29 Aug, 14:35 · 47d ago THE APP JOINED HERE — earlier mails are on Gmail

NOI payment refund in case of Sanmeet Gujrathi

📎 IMG-20260829-WA0006.jpg ↗

Dear mam,

In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount.

However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer. please find the attached receipt of payment

Regards,  Aman Agrawal  Warje       ​

🤖 read: says the fee is paid ₹46,255 ✓; documents attached; note: Request for refund due to loan cancellation and no challan initiation. — “customer has cancelled the loan disbursement process and has already paid the NOI amount.”

8 more mails in between — open

OL The NOI teamTYPED IN GMAIL
29 Aug, 14:58 · 47d ago

Dear Team,

We will refund the amount in 4 to 5 working days..

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

earlier mails quoted below

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal < aman.agrawal@phfl.com > wrote: 
 Dear mam, In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount. However, NO challan was initiated. Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer. please find the attached receipt of payment Regards, Aman Agrawal Warje ​ 

 

Dear Team,

We will refund the amount in 4 to 5 working days..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal <aman.agrawal@phfl.com>
wrote:

Dear mam,
In the caption case customer has cancelled the loan disbursement process
and has already paid the NOI amount.
However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.

please find the attached receipt of payment

Regards,
Aman Agrawal
Warje

​

🤖 read: The NOI team informs that a refund will be processed in 4 to 5 working days.

OL The NOI teamTYPED IN GMAIL
29 Aug, 15:01 · 47d ago

Dear team kindly shared cancelled check for refund process

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

earlier mails quoted below

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Dear Team, We will refund the amount in 4 to 5 working days.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal < aman.agrawal@phfl.com > wrote: 
 Dear mam, In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount. However, NO challan was initiated. Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer. please find the attached receipt of payment Regards, Aman Agrawal Warje ​ 

Dear team

kindly shared cancelled check for refund process

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

Dear Team,

We will refund the amount in 4 to 5 working days..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal <aman.agrawal@phfl.com>
wrote:

> Dear mam,
> In the caption case customer has cancelled the loan disbursement process
> and has already paid the NOI amount.
> However, NO challan was initiated.
>
>
>
> Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.
>
> please find the attached receipt of payment
>
> Regards,
> Aman Agrawal
> Warje
>
> ​
>
>

🤖 read: asks the branch for documents — “kindly shared cancelled check for refund process”

AA aman.agrawal@phfl.com phfl.com
29 Aug, 18:10 · 46d ago

📎 IMG-20260829-WA0014.jpg ↗

please find the cancelled cheque in the attachment

earlier mails quoted below

From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 08/29/26 14:37
To: pnb.noifilling (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: NOI payment refund in case of Sanmeet Gujrathi

Dear mam,
In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount.
However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.

please find the attached receipt of payment

Regards,
Aman Agrawal
Warje

​

🤖 read: says the fee is paid ₹46,255 ✓; documents attached; note: Customer cancelled loan, paid NOI amount, but no challan initiated, requests refund of Rs 46,255. — “Rs 46,255 paid by customer”

AA aman.agrawal@phfl.com phfl.com
02 Sep, 17:05 · 42d ago

Re[2]: NOI payment refund in case of Sanmeet Gujrathi

Please find the attachment

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)

Date: 08/29/26 15:03

To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)

Cc:chetan.tambade@pnbhousing.com

Subject:Re: NOI payment refund in case of Sanmeet Gujrathi

ExerciseSecured by Check Point

Dear team

kindly shared cancelled check for refund process

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear Team,

We will refund the amount in 4 to 5 working days..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal < aman.agrawal@phfl.com > wrote:
Dear mam,
In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount.
However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.

please find the attached receipt of payment

Regards,
Aman Agrawal
Warje

​

🤖 read: documents attached; note: Providing a document for a refund process.

AA aman.agrawal@phfl.com phfl.com
09 Sep, 15:48 · 36d ago

Dear team,

Please find the attached cheque image and kindly initiate the refund process as a priority

earlier mails quoted below

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 15:03
To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re: NOI payment refund in case of Sanmeet Gujrathi

 Exercise Secured by Check Point

Dear team

kindly shared cancelled check for refund process

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear Team,

We will refund the amount in 4 to 5 working days..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal < aman.agrawal@phfl.com > wrote:
Dear mam,
In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount.
However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.

please find the attached receipt of payment

Regards,
Aman Agrawal
Warje

​

🤖 read: documents attached; note: initiate the refund process as a priority

AA aman.agrawal@phfl.com phfl.com
10 Sep, 10:26 · 35d ago

Re[3]: NOI payment refund in case of Sanmeet Gujrathi

Dear Team,

kindly update

From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)

Date: 09/09/26 15:50

To: THINKBIGZ NOI (pnb.noifilling@gmail.com)

Cc:chetan.tambade@pnbhousing.com

Subject:Re[2]: NOI payment refund in case of Sanmeet Gujrathi

Dear team,

Please find the attached cheque image and kindly initiate the refund process as a priority

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)

Date: 08/29/26 15:03

To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)

Cc:chetan.tambade@pnbhousing.com

Subject:Re: NOI payment refund in case of Sanmeet Gujrathi

ExerciseSecured by Check Point

Dear team

kindly shared cancelled check for refund process

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear Team,

We will refund the amount in 4 to 5 working days..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal < aman.agrawal@phfl.com > wrote:
Dear mam,
In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount.
However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.

please find the attached receipt of payment

Regards,
Aman Agrawal
Warje

​

🤖 read: asks for a status; note: Asks for an update on the refund process. — “kindly update”

OL The NOI teamTYPED IN GMAIL
10 Sep, 11:36 · 35d ago

Dear Team

We will process the refund 1n 2 to 4 working days.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 10 Sept 2026 at 10:29, Aman Jagdish Agrawal <aman.agrawal@phfl.com>

wrote:

earlier mails quoted below

Dear Team,
kindly update

​

----- Original Message -----
------------------------------
From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/09/26 15:50
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[2]: NOI payment refund in case of Sanmeet Gujrathi

Dear team,
Please find the attached cheque image and kindly initiate the refund
process as a priority

​

----- Original Message -----
------------------------------
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 15:03
To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re: NOI payment refund in case of Sanmeet Gujrathi

 Secured by Check Point
Dear team

kindly shared cancelled check for refund process

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Dear Team,
>
> We will refund the amount in 4 to 5 working days..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal <aman.agrawal@phfl.com>
> wrote:
>
>> Dear mam,
>> In the caption case customer has cancelled the loan disbursement process
>> and has already paid the NOI amount.
>> However, NO challan was initiated.
>>
>>
>>
>> Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.
>>
>> please find the attached receipt of payment
>>
>> Regards,
>> Aman Agrawal
>> Warje
>>
>> ​
>>
>>

🤖 read: The NOI team states they will process the refund in 2 to 4 working days.

AA aman.agrawal@phfl.com phfl.com
17 Sep, 11:14 · 28d ago

Re[4]: NOI payment refund in case of Sanmeet Gujrathi

Dear Team,

REFUND NOT YET RECEIVED BY THE CUSTOMER...WHY IS THIS TAKING SO LONG TIME??

earlier mails quoted below

From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/10/26 10:28
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[3]: NOI payment refund in case of Sanmeet Gujrathi

Dear Team,
kindly update

​

From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/09/26 15:50
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[2]: NOI payment refund in case of Sanmeet Gujrathi

Dear team,
Please find the attached cheque image and kindly initiate the refund process as a priority

​

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 15:03
To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re: NOI payment refund in case of Sanmeet Gujrathi

 Exercise Secured by Check Point

Dear team

kindly shared cancelled check for refund process

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear Team,

We will refund the amount in 4 to 5 working days..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal < aman.agrawal@phfl.com > wrote:
Dear mam,
In the caption case customer has cancelled the loan disbursement process and has already paid the NOI amount.
However, NO challan was initiated.

Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.

please find the attached receipt of payment

Regards,
Aman Agrawal
Warje

​

🤖 read: asks for a status; note: Refund not yet received by the customer. — “REFUND NOT YET RECEIVED BY THE CUSTOMER...WHY IS THIS TAKING SO LONG TIME??”

OL The NOI teamTYPED IN GMAIL
18 Sep, 14:08 · 27d ago

Dear Team,

Refund Done..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 17 Sept 2026 at 11:22, Aman Jagdish Agrawal <aman.agrawal@phfl.com>

wrote:

earlier mails quoted below

Dear Team,
REFUND NOT YET RECEIVED BY THE CUSTOMER...WHY IS THIS TAKING SO LONG TIME??

​

----- Original Message -----
------------------------------
From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/10/26 10:28
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[3]: NOI payment refund in case of Sanmeet Gujrathi

Dear Team,
kindly update

​

----- Original Message -----
------------------------------
From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/09/26 15:50
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[2]: NOI payment refund in case of Sanmeet Gujrathi

Dear team,
Please find the attached cheque image and kindly initiate the refund 
process as a priority

​

----- Original Message -----
------------------------------
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 15:03
To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re: NOI payment refund in case of Sanmeet Gujrathi

 Secured by Check Point
Dear team

kindly shared cancelled check for refund process

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI <pnb.noifilling@gmail.com> 
wrote:

> Dear Team,
>
> We will refund the amount in 4 to 5 working days..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal <aman.agrawal@phfl.com> 
> wrote:
>
>> Dear mam,
>> In the caption case customer has cancelled the loan disbursement process 
>> and has already paid the NOI amount.
>> However, NO challan was initiated.
>>
>>
>>
>> Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.
>>
>> please find the attached receipt of payment
>>
>> Regards,
>> Aman Agrawal
>> Warje
>>
>> ​
>>
>>

🤖 read: The team confirms that a refund has been processed.

OL The NOI teamTYPED IN GMAIL
18 Sep, 14:09 · 27d ago

Dear Team,

Refund Done..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 17 Sept 2026 at 11:22, Aman Jagdish Agrawal <aman.agrawal@phfl.com>

wrote:

earlier mails quoted below

Dear Team,
REFUND NOT YET RECEIVED BY THE CUSTOMER...WHY IS THIS TAKING SO LONG TIME??

​

----- Original Message -----
------------------------------
From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/10/26 10:28
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[3]: NOI payment refund in case of Sanmeet Gujrathi

Dear Team,
kindly update

​

----- Original Message -----
------------------------------
From: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Date: 09/09/26 15:50
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re[2]: NOI payment refund in case of Sanmeet Gujrathi

Dear team,
Please find the attached cheque image and kindly initiate the refund
process as a priority

​

----- Original Message -----
------------------------------
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 15:03
To: Aman Jagdish Agrawal (aman.agrawal@phfl.com)
Cc: chetan.tambade@pnbhousing.com
Subject: Re: NOI payment refund in case of Sanmeet Gujrathi

 Secured by Check Point
Dear team

kindly shared cancelled check for refund process

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Sat, 29 Aug 2026 at 14:58, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Dear Team,
>
> We will refund the amount in 4 to 5 working days..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Sat, 29 Aug 2026 at 14:38, Aman Jagdish Agrawal <aman.agrawal@phfl.com>
> wrote:
>
>> Dear mam,
>> In the caption case customer has cancelled the loan disbursement process
>> and has already paid the NOI amount.
>> However, NO challan was initiated.
>>
>>
>>
>> Kindly help in REFUND of the NOI amount Rs 46,255 paid by customer.
>>
>> please find the attached receipt of payment
>>
>> Regards,
>> Aman Agrawal
>> Warje
>>
>> ​
>>
>>

🤖 read: The team confirms that a refund has been processed.

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.

Still needed for the challan: Sanction Letter, Applicant's Aadhaar Card, Applicant's PAN Card, the property address — no file carries it; ask the branch for the technical report

For the e-filing visit later (not for the challan): Applicant's Selfie / Photo, Index II copy / Title document

Document	File — click to open	Status	When
Other	IMG-20260829-WA0014.jpg	filed	46d ago
Payment screenshot	IMG-20260829-WA0006.jpg	filed	46d 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 (our working)
—

Screenshot claims
₹46,255

Where it stands
not verified — no credit seen

This payment is from the Vyapar QR (HDFC) at 2026-08-13 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓

Fee working (ours)

No fee computed yet — it appears the moment the loan amount is known.

Property (must be perfect)

No property read yet — it fills itself from the sanction letter, the legal report, the technical report, the mail, or the Index II.

Parties

Role	Name	PAN	Aadhaar
none extracted yet

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
document chase	aman.agrawal@phfl.com	46d ago
document chase	aman.agrawal@phfl.com	44d ago
document chase	aman.agrawal@phfl.com	42d ago
document chase	aman.agrawal@phfl.com	40d ago
document chase	aman.agrawal@phfl.com	37d ago

What EzDocs read from each document — check anything marked in red

Payment screenshot IMG-20260829-WA0006.jpg needs your check

utr
110429387304

date
2026-08-13

amount
46255

method
UPI

payee upi
Vyapar.169705262080@hdfcbank

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
HANUMANT SITARAM KUDALE

raw reading (for Abhijit)

{'utr': '110429387304', 'date': '2026-08-13', 'amount': 46255, 'method': 'UPI', 'payee_upi': 'Vyapar.169705262080@hdfcbank', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'HANUMANT SITARAM KUDALE', 'debit_notification_text': None}

Payment screenshot IMG-20260829-WA0006.jpg needs your check

payments inside
bank: ICICI Bank; kind: payment_screenshot; payments: [{'utr': '110429387304', 'date': '2026-08-13', 'page': 1, 'time': '16:29', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 46255.0, 'direction': 'debit', 'narrati

raw reading (for Abhijit)

{'payments_inside': {'bank': 'ICICI Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '110429387304', 'date': '2026-08-13', 'page': 1, 'time': '16:29', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 46255.0, 'direction': 'debit', 'narration': 'Vyapar.169705262080@hdfcbank', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '7123', 'account_holder': 'HANUMANT SITARAM KUDALE'}}

Other IMG-20260829-WA0014.jpg needs your check

payments inside
bank: ICICI Bank; kind: other; payments: []; rows_read: 0; account_last4: 7129

raw reading (for Abhijit)

{'payments_inside': {'bank': 'ICICI Bank', 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': '7129', 'account_holder': None}}

Technical record (for Abhijit — safe to ignore)

18d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
18d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
18d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
19d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
19d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
22d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260829-WA0014.jpg', 'kind': 'other', 'found': 0, 'doc_id': '2b55f5d2-bc73-420c-9e76-7f6de3211e79', 'fetched': True}
22d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card", "Applicant's PAN Card", 'Loan amount (with insurance, if any)', 'Sanction Letter']}
22d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260829-WA0006.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '5ae22aa1-0f7f-40d5-b362-97991fa8e75f', 'fetched': True}
22d ago	EzDocs	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260829-WA0006
22d ago	EzDocs	claim_held_until_quote	{'utr': '110429387304', 'why': 'payment proof arrived before the case was quoted; held on the case and applied the moment the receivable exists', 'date': '2026-08-13', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount':
27d 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': ['fee_paid'], 'mails': 11, 'summary': "The custom
28d ago	EzDocs	trail_read	{'why': 'the model 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': 9, 'summar
30d ago	EzDocs	trail_read	{'why': 'the model 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': [], 'mails': 8, 'summary': 'The case involves
36d ago	EzDocs	old_thread_stored_only	{'why': 'this thread began before go-live — its mails are stored for the history; nothing is read or drafted; the team works it by hand', 'cutoff': '2026-09-01', 'thread_started': '2026-08-29 09:05:56'}
37d ago	EzDocs	email_shadowed:doc_chase	{'to': 'aman.agrawal@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case, the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant's Aadhaar Card — not receive
37d ago	EzDocs	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
40d ago	EzDocs	email_shadowed:doc_chase	{'to': 'aman.agrawal@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case, the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant's Aadhaar Card — not receive
40d ago	EzDocs	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
42d ago	EzDocs	email_shadowed:doc_chase	{'to': 'aman.agrawal@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case, the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant's Aadhaar Card — not receive
42d ago	EzDocs	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
42d ago	EzDocs	mail_instruction_understood	{'amount': None, 'phrase': None, 'reason': None, 'instructions': ['refund_requested', 'cancel_case'], 'urgent_disbursement': False}
44d ago	EzDocs	email_shadowed:doc_chase	{'to': 'aman.agrawal@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case, the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant's Aadhaar Card — not receive
46d ago	EzDocs	document_received	{'file': 'IMG-20260829-WA0006.jpg', 'doc_type': 'payment_screenshot', 'confidence': 1.0}
46d ago	EzDocs	email_shadowed:doc_chase	{'to': 'aman.agrawal@phfl.com', 'subject': 'Re: NOI payment refund in case of Sanmeet Gujrathi', 'body_preview': "Dear Team,\n\nGreetings from ICICIHFCNOI NOI Desk.\n\nWith reference to the captioned case, the following
46d ago	EzDocs	document_received	{'file': 'IMG-20260829-WA0014.jpg', 'doc_type': 'other', 'confidence': 0.95}
46d ago	EzDocs	case_created	{'lan': None, 'bank': 'PNB_HFL', 'thread_id': '1a04cc6dda2fab06'}

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

Papers

3 still needed for the challan

Sanction Letter, Applicant's Aadhaar Card, Applicant's PAN Card

Money

No figure yet

It appears the moment the loan amount is known.

Challan & filing

Not yet

The challan waits on the papers and the money above.

Next — whose move

The branch

papers pending

27 Sep1 thing

EzDocs took 4 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records