Cases / NOI-2026-03619
Balaji Govind Harnule
LAN HOU/NSK/0926/5217334
Challan paid · waiting on the branch
Waiting for the Index IIAll documentsMails & papers 4Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs5 still to come
5 of 10 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓PAN cardopen
✓Sanction letteropen
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a passport-size print, not a live selfie)open
✓A mail's picture (a signature logo, a banner) — not a paperopen
✓Paid challan (GRAS)open
Applicant's Aadhaar Card — still needed
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED. (मालमत्तेचा पत्ता — the sanction letter मधून वाचला आहे; काही कमी नाही. माणसाने रकाने तपासून VERIFIED करावे.)
Applicant's Selfie / Photo — for the e-filing visit later
Index II copy / Title document — for the e-filing visit later
All files (8)A label is wrong? Fix it under All documents.
For you to check
- Selfie / photo: copy on file cannot be used. A usable one is being asked for.Selfie / photo: फाईलमधील प्रत वापरता येत नाही. वापरण्याजोगी प्रत मागितली आहे.
MoneyAll of it is in
₹19,920.74CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹19,880 receivedthe receipt's amount and minute agree
Stamp duty 0.3%6,790
Registration fee 0.5%11,310
Government handling320
Our service fee1,500.74
Total we ask for19,920.74
the branch’s receipt claims ₹19,880
paid 15 Oct 17:26:02 · verified 16 Oct 11:52:05 · 18 h 26 min later
How we know (आपल्याला कसे कळले)
Our own bank told us — 15 Oct 17:26 (आपल्याच बँकेने कळवले — 15 Oct 17:26)
₹19,880 · UTR 546083682886 · from VD-HDFCBN-S
“Successful! You have received Rs. 19880.00 via HDFC Bank SmartHub Vyapar from BALAJI GOV. RRN-546083682886, Check: https://1.hdfc.bank.in/HDFCBK/s/VAxEvRm3”
Matched by: the screenshot's amount AND its minute agree with this credit (कसे जुळले: the screenshot's amount AND its minute agree with this credit)
Paid the bank's own ₹19,880. ₹40.74 under our ask = our margin. Accepted as full.
बँकेचे स्वतःचे ₹19,880 भरले. आपल्या मागणीपेक्षा ₹40.74 कमी = NOI टीम मार्जिन. पूर्ण भरणा.
By law ₹19,900. We ask ₹19,920 (rounded up to ₹10 — our rule).
कायद्याप्रमाणे ₹19,900. आपण मागतो ₹19,920 (₹10 पर्यंत वर — NOI टीमचा नियम).
why? (का?)
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 ₹19,880 — accept as full (₹40.74 = our margin).
बँकेचा तक्ता ₹19,880 — पूर्ण भरणा म्हणून स्वीकारा (₹40.74 = NOI टीम मार्जिन).
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 21 minour time · 16 Oct 12:09
Index II —not yet
the NOI team 2 d 11 htotal 2 d 11 h so far
Now with the NOI team — e-filing on IGR
since 16 Oct 12:09 — 2 d 11 h of working time
Day by day — every step and who held it
16 Oct 11:48Your branch's mail
16 Oct 11:48Payment landedat once
16 Oct 11:51Fee quoted+3 min · the NOI team
16 Oct 11:51Papers readat once
16 Oct 11:51Property readat once
16 Oct 11:52Papers readat once
16 Oct 11:52Payment verifiedat once
16 Oct 12:09Challan made+18 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹22,60,000
Loan account no.
HOU/NSK/0926/5217334
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
Pimpalgoan Bahula Shiwar
Number type
SURVEY
Number
182/2/1(Part)
Building
BRAHMGIRI PARK II
Floor
Ground Floor
Flat / shop no
76
Area
(empty)
Hadd
(empty)
Read from the sanction letter, not the Index II. Sanction letter (6).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 2d 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:
• 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.
• 12 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: district, taluka, village, road, Number type, Number
• Build Up Area not on file — read it off the Index II / sale deed
• check — EzDocs' box2 was set aside: longer than the portal's box (116 > 100)
• check — EzDocs' box1 was set aside: words the main paper does not print — read the box once against the paper's own words
• EzDocs read the whole file — every paper and every mail — and filled from it: property block sector.
New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.
⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box
NOTEThe name of person 2
| The PAN card | SANJAVANA BALAJI HARNULE |
| The sanction letter DIFFERS | SNAJAVANA BALAJI HARNULE |
What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.
Compared: the sanction letter; and EzDocs (reading the whole file). Nothing here is typed or changed by itself.
Where this case stands — the whole trailEzDocs has not read this trail yet — the regular check reads every case whose mails grew, a few at a time
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 2d 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 | MH012160533202627E | — | 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.
No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →
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
16 Oct, 11:48 · 2d ago THE FIRST MAIL — how this case began
16 Oct, 11:48 · 2d ago THE FIRST MAIL — how this case began
Process 0.3 & 0.5 Challan in case of "BALAJI GOVIND HARNULE " "HOU/NSK/0926/5217334 "
📎 IMG-20261015-WA0010.jpg↗📎 20261016_114055.jpg↗📎 20261016_114051.jpg↗📎 Sanction letter (6).pdf↗📎 20261015_172201.jpg↗📎 image001.jpg↗📎 20261015_172157.jpg↗
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case
Customer nameBALAJI GOVIND HARNULE
Loan account (LAN)HOU/NSK/0926/5217334
Loan amount₹22,60,000
Stamp duty 0.30%₹6,780
Registration fee 0.50%₹11,300
DHC₹300
Service / vendor fees₹1,500
Total₹19,880
- ✓ 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
🤖 read: asks for the challan, a payment receipt, the token / NOI confirmation, the e-filing copy, the Index II; documents attached — “Kindly process 0.3 & 0.5 Challan in below case”
OL
The NOI teamTYPED IN GMAIL
16 Oct, 11:55 · 2d ago
16 Oct, 11:55 · 2d ago
Dear Team,
Regards,NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Fri, 16 Oct 2026 at 11:51, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name BALAJI GOVIND HARNULE
Lan No HOU/NSK/0926/5217334
Loan Amount 2260000
LOAN AMOUNT 2260000
0.30% 6780
0.50% 11300
FEES 1500
DHC 300
TOTAL 19,880
*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
🤖 read: The NOI Coordinator is sending a mail with no specific request or update.
OL
The NOI teamTYPED IN GMAIL
16 Oct, 11:55 · 2d ago
16 Oct, 11:55 · 2d 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 Fri, 16 Oct 2026 at 11:51, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name BALAJI GOVIND HARNULE
Lan No HOU/NSK/0926/5217334
Loan Amount 2260000
LOAN AMOUNT 2260000
0.30% 6780
0.50% 11300
FEES 1500
DHC 300
TOTAL 19,880
*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
🤖 read: asks the branch for documents, the payment — “For NOI filing, We need an index 2 copy.”
OL
The NOI teamTYPED IN GMAIL
16 Oct, 12:12 · 2d ago
16 Oct, 12:12 · 2d ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Fri, 16 Oct 2026 at 11:55, 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 Fri, 16 Oct 2026 at 11:51, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name BALAJI GOVIND HARNULE
Lan No HOU/NSK/0926/5217334
Loan Amount 2260000
LOAN AMOUNT 2260000
0.30% 6780
0.50% 11300
FEES 1500
DHC 300
TOTAL 19,880
*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
🤖 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 |
|---|---|---|---|
| Payment screenshot | IMG-20261015-WA0010.jpg | filed | 2d ago |
| PAN card | 20261016_114055.jpg | filed | 2d ago |
| PAN card | 20261016_114051.jpg | filed | 2d ago |
| Sanction letter | Sanction letter (6).pdf | filed | 2d ago |
| Selfie / photo | 20261015_172201.jpg | CANNOT BE READ — clear copy asked | 2d ago |
| A mail's picture (a signature logo, a banner) — not a paper | image001.jpg | filed | 2d ago |
| Selfie / photo | 20261015_172157.jpg | CANNOT BE READ — clear copy asked | 2d ago |
| Paid challan (GRAS) | BALAJI GOVIND HARNULE EchallanMH012160533202627E.pdf | filed | 2d 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
₹19,920.74
₹19,920.74
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹19,880
₹19,880
Paid at
15 Oct 17:26:02
15 Oct 17:26:02
Verified on
16 Oct 11:52:05
16 Oct 11:52:05
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹6,790 | ₹11,310 | ₹320 | ₹1,500 | ₹19,920 |
By law ₹19,900. We ask ₹19,920 (rounded up to ₹10 — our rule).
कायद्याप्रमाणे ₹19,900. आपण मागतो ₹19,920 (₹10 पर्यंत वर — NOI टीमचा नियम).
why? (का?)
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)
36 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Area, Area unit (Sq.mt. / Sq.ft.), Title deed held by the bank (Agreement to Sale / Sale Deed …) …
31 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, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number type, Second number …
✓ EzDocs checked every box against the document’s own words 2d 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 (6).pdf
as printed
UNIT ROW HOUSE NO 76, FLOOR GROUND FLOOR, BLOCK TYPE B ROW HOUSES, PROJECT BRAHMGIRI PARK II, S.NO. 182/2/1(PART),SHRAMIK NAGAR, SATPUR GANGAPUR LINK ROAD, NEAR MAHADEV MANDIR,PIMPALGOAN BAHULA SHIWAR, NASHIK, NASHIK, MAHARASHTRA, INDIA, 422012
UNIT ROW HOUSE NO 76, FLOOR GROUND FLOOR, BLOCK TYPE B ROW HOUSES, PROJECT BRAHMGIRI PARK II, S.NO. 182/2/1(PART),SHRAMIK NAGAR, SATPUR GANGAPUR LINK ROAD, NEAR MAHADEV MANDIR,PIMPALGOAN BAHULA SHIWAR, NASHIK, NASHIK, MAHARASHTRA, INDIA, 422012
PIN
422012
422012
THE CHALLAN, as it will be typed
Flat/Survey Number
ROW HOUSE NO 76 GROUND FLOOR BLOCK TYPE B ROW HOUSES BRAHMGIRI PARK II SURVEY NO 182/2/1 PART
ROW HOUSE NO 76 GROUND FLOOR BLOCK TYPE B ROW HOUSES BRAHMGIRI PARK II SURVEY NO 182/2/1 PART
Locality/Road
SHRAMIK NAGAR SATPUR GANGAPUR LINK ROAD NEAR MAHADEV MANDIR PIMPALGOAN BAHULA SHIWAR
SHRAMIK NAGAR SATPUR GANGAPUR LINK ROAD NEAR MAHADEV MANDIR PIMPALGOAN BAHULA SHIWAR
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 | SANJAVANA BALAJI HARNULE | BEDPH4190E | |
| mortgagor | BALAJI GOVIND HARNULE | AFVPH7537K |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| document chase | abhijeet.kale@phfl.com | 2d ago |
What EzDocs read from each document — check anything marked in red
Sanction letter Sanction letter (6).pdf needs your check
lan
HOU/NSK/0926/5217334
HOU/NSK/0926/5217334
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
loan type
Housing Loan, Housing
Housing Loan, Housing
confidence
1.0
1.0
print rule
how: read by a rule from the paper's own print; no reader asked; bank: PNB_HFL; form: PNB Housing sanction letter; checks: ["the loan amount's digits and words agree (2160000)", "the insurance premium's digits and words
how: read by a rule from the paper's own print; no reader asked; bank: PNB_HFL; form: PNB Housing sanction letter; checks: ["the loan amount's digits and words agree (2160000)", "the insurance premium's digits and words
rate words
PNBRRR 13.15% per annum; 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
PNBRRR 13.15% per annum; 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
bank branch
NASHIK
NASHIK
loan amount
2160000.0
2160000.0
rate spread
-4.65
-4.65
final amount
2260000.0
2260000.0
interest rate
8.5
8.5
sanction date
15-Sep-2026
15-Sep-2026
letter version
4
4
reference rate
13.15
13.15
applicant email
balajiharnule2017@gmail.com
balajiharnule2017@gmail.com
applicant names
BALAJI GOVIND HARNULE, SNAJAVANA BALAJI HARNULE
BALAJI GOVIND HARNULE, SNAJAVANA BALAJI HARNULE
printed altered
False
False
applicant mobile
9764366714
9764366714
balance transfer
False
False
property address
pin: 422012; state: MAHARASHTRA; Address: Unit Row House No 76, Floor Ground Floor, Block Type B Row Houses, Project BRAHMGIRI PARK II, S.No. 182/2/1(Part),Shramik Nagar, Satpur Gangapur Link Road, Near Mahadev Mand
pin: 422012; state: MAHARASHTRA; Address: Unit Row House No 76, Floor Ground Floor, Block Type B Row Houses, Project BRAHMGIRI PARK II, S.No. 182/2/1(Part),Shramik Nagar, Satpur Gangapur Link Road, Near Mahadev Mand
insurance premium
100000.0
100000.0
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
2260000.0
2260000.0
security address verbatim
Unit Row House No 76, Floor Ground Floor, Block Type B Row Houses, Project BRAHMGIRI PARK II, S.No. 182/2/1(Part),Shramik Nagar, Satpur Gangapur Link Road, Near Mahadev Mandir,Pimpalgoan Bahula Shiwar, Nashik, Nashik, MA
Unit Row House No 76, Floor Ground Floor, Block Type B Row Houses, Project BRAHMGIRI PARK II, S.No. 182/2/1(Part),Shramik Nagar, Satpur Gangapur Link Road, Near Mahadev Mandir,Pimpalgoan Bahula Shiwar, Nashik, Nashik, MA
applicant address verbatim
BALAJI GARDEN ROW HOUSE, NO C 110 NR BALAJI PARK, PATIL PARK CHUNCHALE, NASHIK, Nashik, MAHARASHTRA, 422010, India
BALAJI GARDEN ROW HOUSE, NO C 110 NR BALAJI PARK, PATIL PARK CHUNCHALE, NASHIK, Nashik, MAHARASHTRA, 422010, India
raw reading (for Abhijit)
{'lan': 'HOU/NSK/0926/5217334', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [], 'loan_type': 'Housing Loan, Housing', 'confidence': 1.0, 'print_rule': {'how': "read by a rule from the paper's own print; no reader asked", 'bank': 'PNB_HFL', 'form': 'PNB Housing sanction letter', 'checks': ["the loan amount's digits and words agree (2160000)", "the insurance premium's digits and words agree (100000)", 'loan + insurance = total (2160000 + 100000 = 2260000)', 'the rate arithmetic holds (13.15 - 4.65 = 8.50)'], 'case_bank': 'PNB_HFL'}, 'rate_words': 'PNBRRR 13.15% per annum; 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement', 'bank_branch': 'NASHIK', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2160000.0, 'rate_spread': -4.65, 'final_amount': 2260000.0, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '15-Sep-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'balajiharnule2017@gmail.com', 'applicant_names': ['BALAJI GOVIND HARNULE', 'SNAJAVANA BALAJI HARNULE'], 'printed_altered': False, 'applicant_mobile': '9764366714', 'balance_transfer': False, 'property_address': {'pin': '422012', 'state': 'MAHARASHTRA', 'full_address': 'Unit Row House No 76, Floor Ground Floor, Block Type B Row Houses, Project BRAHMGIRI PARK II, S.No. 182/2/1(Part),Shramik Nagar, Satpur Gangapur Link Road, Near Mahadev Mandir,Pimpalgoan Bahula Shiwar, Nashik, Nashik, MAHARASHTRA, India, 422012'}, 'insurance_premium': 100000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 2260000.0, 'security_address_verbatim': 'Unit Row House No 76, Floor Ground Floor, Block Type B Row Houses, Project BRAHMGIRI PARK II, S.No. 182/2/1(Part),Shramik Nagar, Satpur Gangapur Link Road, Near Mahadev Mandir,Pimpalgoan Bahula Shiwar, Nashik, Nashik, MAHARASHTRA, India, 422012', 'applicant_address_verbatim': 'BALAJI GARDEN ROW HOUSE, NO C 110 NR BALAJI PARK, PATIL PARK CHUNCHALE, NASHIK, Nashik, MAHARASHTRA, 422010, India'}Payment screenshot IMG-20261015-WA0010.jpg needs your check
date
2026-10-15
2026-10-15
time
17:25
17:25
amount
19880.0
19880.0
method
UPI
UPI
payee upi
Vyapar.********2080@hdfcbank
Vyapar.********2080@hdfcbank
payee name
Think Bigz Initiative Pvt Ltd
Think Bigz Initiative Pvt Ltd
raw reading (for Abhijit)
{'utr': None, 'date': '2026-10-15', 'time': '17:25', 'amount': 19880.0, 'method': 'UPI', 'payee_upi': 'Vyapar.********2080@hdfcbank', 'payer_upi': None, 'payee_name': 'Think Bigz Initiative Pvt Ltd', 'payer_name': None, 'debit_notification_text': None}Selfie / photo 20261015_172201.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
0.9
0.9
quality issue
this is a photograph of a passport-size print, not a live selfie
this is a photograph of a passport-size print, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}PAN card 20261016_114055.jpg needs your check
dob
1997-06-05
1997-06-05
pan
BEDPH4190E
BEDPH4190E
name
SANJAVANA BALAJI HARNULE
SANJAVANA BALAJI HARNULE
legible
True
True
father name
HANUMANTRAO VYANKATRAM IMADE
HANUMANTRAO VYANKATRAM IMADE
raw reading (for Abhijit)
{'dob': '1997-06-05', 'pan': 'BEDPH4190E', 'name': 'SANJAVANA BALAJI HARNULE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'HANUMANTRAO VYANKATRAM IMADE', 'aadhaar_last4': None, 'quality_issue': None}PAN card 20261016_114051.jpg needs your check
dob
1987-06-01
1987-06-01
pan
AFVPH7537K
AFVPH7537K
name
BALAJI GOVIND HARNULE
BALAJI GOVIND HARNULE
legible
True
True
father name
GOVIND HARANULE
GOVIND HARANULE
raw reading (for Abhijit)
{'dob': '1987-06-01', 'pan': 'AFVPH7537K', 'name': 'BALAJI GOVIND HARNULE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'GOVIND HARANULE', 'aadhaar_last4': None, 'quality_issue': None}Selfie / photo 20261015_172157.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
0.9
0.9
face visible
True
True
quality issue
this is a photograph of a passport-size print, not a live selfie
this is a photograph of a passport-size print, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}Paid challan (GRAS) BALAJI GOVIND HARNULE EchallanMH012160533202627E.pdf needs your check
grn
MH012160533202627E
MH012160533202627E
pin
422012
422012
total
18100.0
18100.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026101600505
03006172026101600505
district
NASHIK
NASHIK
area city
NASHIK
NASHIK
payer pan
AFVXXXXXXK
AFVXXXXXXK
flat block
UNIT ROW HOUSE NO 76 GROUND FLOOR BLOCK TYPE B ROW HOUSES PROJECT
UNIT ROW HOUSE NO 76 GROUND FLOOR BLOCK TYPE B ROW HOUSES PROJECT
payer name
BALAJI GOVIND HARNULE
BALAJI GOVIND HARNULE
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=2260000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2260000
scheme rows
{'amount': 6790.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 6790.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX6714
XXXXXX6714
payment date
16/10/2026-12:09:45
16/10/2026-12:09:45
road locality
BRAHMGIRI PARK II SHRAMIK NAGAR S NO 182/2/1 PART SATPUR GANGAPUR LINK ROAD NEAR MAHADEV MANDIR PIMPALGOAN RASHIKA SHIWAR
BRAHMGIRI PARK II SHRAMIK NAGAR S NO 182/2/1 PART SATPUR GANGAPUR LINK ROAD NEAR MAHADEV MANDIR PIMPALGOAN RASHIKA SHIWAR
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
2260000
2260000
raw reading (for Abhijit)
{'grn': 'MH012160533202627E', 'pin': '422012', 'total': 18100.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101600505', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'AFVXXXXXXK', 'flat_block': 'UNIT ROW HOUSE NO 76 GROUND FLOOR BLOCK TYPE B ROW HOUSES PROJECT', 'payer_name': 'BALAJI GOVIND HARNULE', 'sro_office': 'NSK5 NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2260000', 'scheme_rows': [{'amount': 6790.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX6714', 'payment_date': '16/10/2026-12:09:45', 'road_locality': 'BRAHMGIRI PARK II SHRAMIK NAGAR S NO 182/2/1 PART SATPUR GANGAPUR LINK ROAD NEAR MAHADEV MANDIR PIMPALGOAN RASHIKA SHIWAR', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2260000'}Technical record (for Abhijit — safe to ignore)
| 1d ago | EzDocs | reader_efiling_verdict | {'fp': '5e5e27b526e9ffd7', 'asked': True, 'findings': [{'do': 'Ask branch for Date of Mortgage from MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'Date of Mortgage is a required field and is missing from the |
| 2d ago | EzDocs | property_self_check | {'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 11, 'trigger': 'quick sweep'} |
| 2d ago | EzDocs | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [], 'challan_doc': 'd8b018c2-e0f0-4399-a60c-5b9e2e506d85'} |
| 2d ago | EzDocs | challan_found_on_case | {'was': 'AWAITING_DOCS', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'BALAJI GOVIND HARNULE EchallanMH012160533202627E.pdf', 'kind': |
| 2d 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': 'BALAJI GOVIND HARNU |
| 2d ago | EzDocs | sro_office_learned | {'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'NSK5 NASHIK 5 JOINT SUB REGISTRAR', 'district': 'NASHIK'} |
| 2d ago | EzDocs | challan_verified_against_case | {'grn': 'MH012160533202627E', 'file': 'BALAJI GOVIND HARNULE EchallanMH012160533202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 2d ago | EzDocs | challan_extracted | {'grn': 'MH012160533202627E', 'file': 'BALAJI GOVIND HARNULE EchallanMH012160533202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 18100.0} |
| 2d 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': '536443', 'lessons': [{'box': 'Property box 1', 'words': "Property box 1: the |
| 2d ago | SANDEEP | copilot_edit | {'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours': |
| 2d ago | EzDocs | quoted_history_checked | {} |
| 2d 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': []} |
| 2d ago | EzDocs | form_checked489 | {'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03619'} |
| 2d ago | the co-pilot | reading_boxes_made_up | {'why': ": a word no paper on the file prints, or a unit number the paper prints left out — the paper's own words are typed", 'file': 'Sanction letter (6).pdf', 'paper': 'the sanction letter', 'typed': 'UNIT ROW HOUS |
| 2d 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"} |
| 2d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 2d 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': '536070', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the |
| 2d ago | SANDEEP | copilot_edit | {'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours': |
| 2d ago | copilot | copilot_check_issues | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'box': 'Property box 1', 'why': "the paper's address line prints no '76 FLO |
| 2d ago | EzDocs | form_checked489 | {'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03619'} |
| 2d ago | EzDocs | case_reevaluated | {'stage_after': 'AWAITING_DOCS'} |
| 2d ago | the co-pilot | reading_boxes_made_up | {'why': ": a word no paper on the file prints, or a unit number the paper prints left out — the paper's own words are typed", 'file': 'Sanction letter (6).pdf', 'paper': 'the sanction letter', 'typed': 'UNIT ROW HOUS |
| 2d ago | EzDocs | challan_boxes_composed | {'fp': 'b0cf19d59f5a993b', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'papers', 'box1': 'ROW HOUSE NO 76 GROUND FLOOR BL |
| 2d ago | EzDocs | second_ask_held522 | {'why': 'EzDocs was asked once more for these very words on this case before and left them out again — not asked a second time; the first answer stands', 'left_out': ['PROJECT']} |
| 2d 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"} |
| 2d ago | EzDocs | reader_home_address | {'fp': 'e78bd500f739923c', 'from': 'the sanction letter (Sanction letter (6).pdf)', 'home': {'pin': '422010', 'area': 'PATIL PARK CHUNCHALE', 'flat': 'NO C 110', 'road': 'NR BALAJI PARK', 'state': 'MAHARASHTRA', 'buildin |
| 2d ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 16 Oct, 11:55 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['doc_chase']} |
| 2d ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-16T06:23:04', 'why': 'reading', 'open': 20, 'mails': [{'at': '2026-10-16 06:18', 'id': '1a1435fa83d5086b', 'from': 'branch', 'gist': 'The branch asks the team to process the challan for the give |
| 2d ago | EzDocs | branch_from_reading501 | {'why': "the branch's mail named no branch; the papers print this one — the bank's branch-wise summary places the case by it", 'branch': 'NASHIK'} |
| 2d ago | EzDocs | case_read | {'how': 'uri', 'tag': 'b4f006061466426a', 'docs': ['Sanction letter (6).pdf', '20261016_114055.jpg', '20261016_114051.jpg'], 'loan': {'amount': 2260000, 'made_of': [{'what': 'Housing Loan', 'paper': 'Sanction letter (6). |
Case diary the case’s history — what happened, newest day first
Papers (कागद)
1 still needed for the challan
चलनासाठी अजून 1 हवे
Applicant's Aadhaar Card
Money (पैसे)
₹19,880 received — verified
₹19,880 आले — पडताळले
Seen in the account (credit SMS or a person's Verify).
खात्यात दिसले (बँक SMS किंवा Verify).
Challan & filing (चलन व फायलिंग)
Challan paid
The challan is paid; the filing is under way.
चलन भरले; फायलिंग सुरू.
Next — whose move (पुढे — कोणाची पाळी)
Us
file on the IGR site
For you to check: Selfie / photo: copy on file cannot be used. A usable one is being asked for.
Selfie / photo: फाईलमधील प्रत वापरता येत नाही. वापरण्याजोगी प्रत मागितली आहे.
Yesterday · 17 Oct1 thing
EzDocs checked the e-filing boxes against the papers
16 Oct33 things — 8 documents received · 3 letters written · 1 money step · 3 cautions · 18 steps
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
Received: Challan
BALAJI GOVIND HARNULE EchallanMH012160533202627E.pdf
SANDEEP pressed Proceed on the challan — what was changed is kept
EzDocs took 29 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
SANDEEP pressed Proceed on the challan — what was changed is kept
EzDocs found something to check before the form is saved
The challan's address boxes were written from the papers
An old draft withdrew itself — its asks were already answered
EzDocs read the whole file
Nothing new to ask for — stayed quiet
The challan's address boxes were written from the papers
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Wrote the document chase mail — held, silent mode
Re: Process 0.3 & 0.5 Challan in case of "BALAJI GOVIND HARNULE " "HOU/NSK/0926/5217334 "
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
Received: Selfie — not usable
20261015_172157.jpg — this is a photograph of a passport-size print, not a live selfie
Co-applicant added
The loan amount was worked out from the papers
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: logo
image001.jpg
Payment proof arrived before the case was quoted — held
Property address read from the sanction letter
Received: Selfie — not usable
20261015_172201.jpg — this is a photograph of a passport-size print, not a live selfie
Received: Sanction letter
Sanction letter (6).pdf
Received: PAN card
20261016_114051.jpg
Received: PAN card
20261016_114055.jpg
Received: Payment screenshot
IMG-20261015-WA0010.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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