Cases / NOI-2026-01484
Ramesh Motiram Choudhari
LAN NHL/NSK/0826/5191836
Challan paid · our move
File on IGRAll documentsMails & papers 4Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needsall in
8 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
✓PAN cardopen
✓Sanction letteropen
✓Aadhaar cardopen
✓Selfie / photoopen
✓Paid challan (GRAS)open
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
All files (12)A label is wrong? Fix it under All documents.
MoneyAll of it is in
₹886TOP-UP
The whole amount reached our account. Nothing is pending on this case.
₹886 receivedmatches the branch's receipt
Stamp duty 0.3% — the top-up challan786
Top-up challan charge100
Total we ask for886
the branch’s receipt claims ₹886 129259729995
paid 8 Sep 19:03:31 · verified 8 Sep 22:31:45 · 3 h 28 min later
How we know
Our own bank told us — 8 Sep 19:03
₹886 · UTR AXNGG25153806462 · from VM-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.886.00,08-09-2026 19:03:31 thru NEFT from AXNGG25153806462/GOOGLE INDIA DIGITAL. Aval Bal 55565.95 CR Helpline 18001800/18002021-PNB”
Matched by: the screenshot's amount equals this credit
BANK'S TABLE — INSIDE OUR BUFFER
Bank table matches our ₹886. Nothing to collect.
Their own rows add to ₹1,772, their total says ₹886 — a ₹886 slip in their sheet. Not ours to fix.
why?
Their DHC is ₹300 on the sheet, ours ₹320 (Avinash's policy margin); their rows are rounded. By the Koli ruling (3 Sep) a total inside ₹60 / 0.25% of our ask is paid in full.
the branch's own words
The branch's mail said: service fee + DHC: bank says Rs.886, computed Rs.100 (difference Rs.786); the bank's own rows sum to Rs.1,772 but its total says Rs.886See the full workingevery row, and the property
Time takennot shown to the bank
Challan 21 minour time · 8 Sep 20:24
Index II —not yet
the NOI team 37 d 1 htotal 37 d 1 h so far
Now with the NOI team — e-filing on IGR
since 8 Sep 22:31 — 36 d 22 h of working time
Day by day — every step and who held it
8 Sep 19:08Your branch's mail
8 Sep 19:08Payment landedat once
8 Sep 19:13Fee quoted+5 min · the NOI team
8 Sep 19:13Papers readat once
8 Sep 19:13Property readat once
8 Sep 19:14Papers readat once
8 Sep 20:24Challan made+1 h 10 min · the NOI team
8 Sep 22:31Payment verified+2 h 07 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹2,62,000
Loan account no.
NHL/NSK/0826/5191836
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
The 0.3% challan is paid — nothing is filed on this kind
This case asked for the 0.3% challan alone (the stamp duty and ₹100) — a top-up, or a stand-alone 0.3% challan. There is no e-filing and no Index II to wait for. Share the challan with the branch (the mail is ready in Draft mails), then close the case. If the branch asks for the NOI filing too, set the kind to NOI under Case facts first.
✓ The papers agree — compared: the sanction letter, the Index II. No number of the property and no name differs.
Where this case stands — the whole trailread by EzDocs as one conversation
The branch has provided all necessary documents and paid the required fee, and the NOI team has generated and shared the challan. The NOI team is now expected to file the NOI on the IGR site.
the history says the next move is with the NOI team — filing the NOI
the branch last asked: Kindly process 0.3 & 0.5 Challan in below case.
✓ loan papers sent — done, mail 1 (2026-09-08) “Sanction Letter attached”
✓ fee paid — the branch's words — done, mail 1 (2026-09-08) “Payment details attached”
✓ challan made — done, mail 4 (2026-09-08) “PFA challan for your reference..”
✓ challan shared — done, mail 4 (2026-09-08) “PFA challan for your reference..”
✓ Index II / sale deed sent by the branch — done, mail 1 (2026-09-08) “Index II Copy attached.”
read over 4 mail(s), last mail 2026-09-08 · read 30d 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 found boxes that do NOT agree with the document (30d ago) — open the verification page; they are marked in red.
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 |
|---|---|---|---|---|
| no filing yet |
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
PA
piyush.aher@phfl.com phfl.com
08 Sep, 19:08 · 37d ago THE FIRST MAIL — how this case began
08 Sep, 19:08 · 37d ago THE FIRST MAIL — how this case began
Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0826/5191836 Applicant Name : RAMESH MOTIRAM CHOUDHARI
📎 IMG-20260805-WA0008.jpg↗📎 IMG-20260805-WA0006.jpg↗📎 Sanction letter - 2026-09-08T190623.128.pd↗📎 Index II -12.pdf↗📎 IMG-20260805-WA0007.jpg↗📎 IMG-20260805-WA0005.jpg↗📎 Screenshot_20260908_184716_GPay.jpg↗📎 20260908_184937.jpg↗📎 IMG-20260908-WA0014.jpg↗📎 image002.jpg↗📎 image001.jpg↗
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case.
Customer nameRAMESH MOTIRAM CHOUDHARI
Loan account (LAN)NHL/NSK/0826/5191836
Loan amount₹2,62,000
Stamp duty 0.30%₹786
Service / vendor fees₹100
Total₹886
- ✓ Sanction Letter — attached
- ✓ Customer Aadhar Card / co applicant — attached
- ✓ Customer pan Card / co applicant — attached
- ✓ Index II Copy — attached
- ✓ Form A2 or Soft copy of photograph — attached
- ✓ Payment details — attached
0.50%0
DHC0
Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
earlier mails quoted below
From: Chetan Deepak Moule (chetan.moule@phfl.com)
Date: 08-09-2026 06:55 pm
To: Piyush Santosh Aher (piyush.aher@phfl.com)
Subject: Ramesh motiram choudhari NOI
🤖 read: asks for the challan; says the fee is paid ✓; documents attached; note: Process 0.3 & 0.5 Challan — “Kindly process 0.3 & 0.5 Challan in below case.”
OL
The NOI teamTYPED IN GMAIL
08 Sep, 20:15 · 37d ago
08 Sep, 20:15 · 37d ago
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 8 Sept 2026 at 19:13, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
earlier mails quoted below
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case.
Customer Name
RAMESH MOTIRAM CHOUDHARI
Lan No
NHL/NSK/0826/5191836
Loan Amount 262000
LOAN AMOUNT 262000
0.30% 786
0.50% 0
FEES 100
DHC 0
TOTAL 886
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy attached.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
*Piyush S Aher*
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672 <+91%20253%20231%201672>
Toll Free: 1800 120 8800
Website-www.pnbhousing.com
*PHFL Home Loans and Services Limited*
----- Forwarded Message -----
------------------------------
From: Chetan Deepak Moule (chetan.moule@phfl.com)
Date: 08-09-2026 06:55 pm
To: Piyush Santosh Aher (piyush.aher@phfl.com)
Subject: Ramesh motiram choudhari NOI
🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
08 Sep, 20:24 · 37d ago
08 Sep, 20:24 · 37d ago
Team,
PFA challan for your reference..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 8 Sept 2026 at 20:15, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Tue, 8 Sept 2026 at 19:13, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> RAMESH MOTIRAM CHOUDHARI
>
> Lan No
> NHL/NSK/0826/5191836
>
> Loan Amount 262000
>
>
> LOAN AMOUNT 262000
> 0.30% 786
> 0.50% 0
> FEES 100
> DHC 0
> TOTAL 886
>
>
> *Sanction Letter attached
> *Customer Aadhar Card / co applicant attached
> *Customer pan Card / co applicant attached
> *Index II Copy attached.
> *Form A2 or Soft copy of photograph attached
> *Payment details attached
>
>
> SRO No
>
> Thanks & Regards,
>
> *Piyush S Aher*
>
> Branch Operation Executive
>
> Nashik Branch
>
> Direct: +91-253-2311672 <+91%20253%20231%201672>
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: Chetan Deepak Moule (chetan.moule@phfl.com)
> Date: 08-09-2026 06:55 pm
> To: Piyush Santosh Aher (piyush.aher@phfl.com)
> Subject: Ramesh motiram choudhari NOI
>
>
>
🤖 read: challan shared ✓ — “PFA challan for your reference..”
OL
The NOI teamTYPED IN GMAIL
08 Sep, 20:24 · 37d ago
08 Sep, 20:24 · 37d ago
Team,
PFA challan for your reference..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 8 Sept 2026 at 20:15, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Tue, 8 Sept 2026 at 19:13, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> RAMESH MOTIRAM CHOUDHARI
>
> Lan No
> NHL/NSK/0826/5191836
>
> Loan Amount 262000
>
>
> LOAN AMOUNT 262000
> 0.30% 786
> 0.50% 0
> FEES 100
> DHC 0
> TOTAL 886
>
>
> *Sanction Letter attached
> *Customer Aadhar Card / co applicant attached
> *Customer pan Card / co applicant attached
> *Index II Copy attached.
> *Form A2 or Soft copy of photograph attached
> *Payment details attached
>
>
> SRO No
>
> Thanks & Regards,
>
> *Piyush S Aher*
>
> Branch Operation Executive
>
> Nashik Branch
>
> Direct: +91-253-2311672 <+91%20253%20231%201672>
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: Chetan Deepak Moule (chetan.moule@phfl.com)
> Date: 08-09-2026 06:55 pm
> To: Piyush Santosh Aher (piyush.aher@phfl.com)
> Subject: Ramesh motiram choudhari NOI
>
>
>
🤖 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 |
|---|---|---|---|
| PAN card | IMG-20260805-WA0008.jpg | filed | 37d ago |
| PAN card | IMG-20260805-WA0006.jpg | filed | 37d ago |
| Sanction letter | Sanction letter - 2026-09-08T190623.128.pdf | filed | 37d ago |
| Index IIthe branch sent this — an input | Index II -12.pdf | filed | 37d ago |
| Aadhaar card | IMG-20260805-WA0007.jpg | filed | 37d ago |
| Aadhaar card | IMG-20260805-WA0005.jpg | filed | 37d ago |
| Payment screenshot | Screenshot_20260908_184716_GPay.jpg | filed | 37d ago |
| Selfie / photo | 20260908_184937.jpg | filed | 37d ago |
| Selfie / photo | IMG-20260908-WA0014.jpg | CANNOT BE READ — clear copy asked | 37d ago |
| Other | image002.jpg | filed | 37d ago |
| Other | image001.jpg | filed | 37d ago |
| Paid challan (GRAS) | RAMESH MOTIRAM CHOUDHARI EchallanMH009880696202627E.pdf | filed | 36d 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
₹886
₹886
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹886 129259729995
₹886 129259729995
Paid at
8 Sep 19:03:31
8 Sep 19:03:31
Verified on
8 Sep 22:31:45
8 Sep 22:31:45
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹786 | ₹0 | ₹0 | ₹100 | ₹886 |
Property (must be perfect)
37 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Floor, Property type (Open / Building / Open + Building), Floor (person 1), Mobile (person 2), Floor (person 2) …
21 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Second number type, Second number, Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1), Area / sector (person 1), PIN (person 1) …
✗ EzDocs found boxes that do NOT agree with the document (30d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
Sanction letter - 2026-09-08T190623.128.pdf
as printed
ROW HOUSE NO 01, RAJ MANDIR ROW HOUSE, PLOT NO 10, S NO 47/8/10, MAKHMALABAD, BEHIND NYASA BUSINESS CENTER44, NASHIK, CLOSE TO MAKHMALABAD ROAD, NASHIK, MAHARASHTRA, INDIA, 422003
ROW HOUSE NO 01, RAJ MANDIR ROW HOUSE, PLOT NO 10, S NO 47/8/10, MAKHMALABAD, BEHIND NYASA BUSINESS CENTER44, NASHIK, CLOSE TO MAKHMALABAD ROAD, NASHIK, MAHARASHTRA, INDIA, 422003
PIN
422003
422003
the Index II
Index II -12.pdf
the property
1) paalikeche naavah naashika ma.na.paa. itara varnana, itara maahitih tukadi jilhaa naashika pota tukadi taalukaa naashika paiki naashika mahaanagarapaalikaa hadditila mauje makhamalaabaada yethila sarvhe nambara 47/8/10 yaamadhila plota nambara 10 yaansi ekuna kshetra 189.00 chau.mi. tyaamadhuna rastaa rundikaranaache kshetra vajaa karuna yenaare urvarita kshetra 178.87 chau.mi.yaa milakativara baandhanyaata aalelyaa raajamandira ro-haausa yaa imaaratimadhila ro-haausa nambara 01 yaansi plotache kshetra 66.25 chau. mi. va tyaavarila baandhiva majalyaache ekuna kaarapeta kshetra 55.86 chau.mi. arthaata baandhiva kshetra 67.032 chau.mi. + teresache kshetra 5.20 chau.mi. hi milakata. ((SURVEY NUMBER: 47/8/10/ plota/10;))
1) paalikeche naavah naashika ma.na.paa. itara varnana, itara maahitih tukadi jilhaa naashika pota tukadi taalukaa naashika paiki naashika mahaanagarapaalikaa hadditila mauje makhamalaabaada yethila sarvhe nambara 47/8/10 yaamadhila plota nambara 10 yaansi ekuna kshetra 189.00 chau.mi. tyaamadhuna rastaa rundikaranaache kshetra vajaa karuna yenaare urvarita kshetra 178.87 chau.mi.yaa milakativara baandhanyaata aalelyaa raajamandira ro-haausa yaa imaaratimadhila ro-haausa nambara 01 yaansi plotache kshetra 66.25 chau. mi. va tyaavarila baandhiva majalyaache ekuna kaarapeta kshetra 55.86 chau.mi. arthaata baandhiva kshetra 67.032 chau.mi. + teresache kshetra 5.20 chau.mi. hi milakata. ((SURVEY NUMBER: 47/8/10/ plota/10;))
THE CHALLAN, as it will be typed
Flat/Survey Number
ROW HOUSE NO 01 RAJMANDIR ROW HOUSE SURVEY NO 47/8/10 PLOT NO 10
ROW HOUSE NO 01 RAJMANDIR ROW HOUSE SURVEY NO 47/8/10 PLOT NO 10
Locality/Road
BEHIND NYASA BUSINESS CENTER44 CLOSE TO MAKHMALABAD ROAD MAKHMALABAD
BEHIND NYASA BUSINESS CENTER44 CLOSE TO MAKHMALABAD ROAD MAKHMALABAD
Area/City
MAKHMALABAD
check or correct a box, the papers beside it →MAKHMALABAD
the Index II also prints: 00, 032, 1, 178, 189, 20, 25, 47/8/10/, AALELYAA, ARTHAATA, BAANDHANYAATA, BAANDHIVA, CHAU, EKUNA, HAAUSA, HADDITILA, HI, IMAARATIMADHILA
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 |
|---|---|---|---|
| mortgagor | RAMESH MOTIRAM CHOUDHARI | BBYPC8733Q | …6938 |
| co_mortgagor | SAPANA RAMESH CHAUDHARI | CPKPC1161D | …8620 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| fee quote | piyush.aher@phfl.com | 37d ago |
| document chase | piyush.aher@phfl.com | 37d ago |
What EzDocs read from each document — check anything marked in red
PAN card IMG-20260805-WA0008.jpg needs your check
dob
1985-08-24
1985-08-24
pan
BBYPC8733Q
BBYPC8733Q
name
RAMESH MOTIRAM CHOUDHARI
RAMESH MOTIRAM CHOUDHARI
legible
True
True
raw reading (for Abhijit)
{'dob': '1985-08-24', 'pan': 'BBYPC8733Q', 'name': 'RAMESH MOTIRAM CHOUDHARI', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}PAN card IMG-20260805-WA0006.jpg needs your check
dob
1986-02-03
1986-02-03
pan
CPKPC1161D
CPKPC1161D
name
SAPANA RAMESH CHAUDHARI
SAPANA RAMESH CHAUDHARI
legible
True
True
raw reading (for Abhijit)
{'dob': '1986-02-03', 'pan': 'CPKPC1161D', 'name': 'SAPANA RAMESH CHAUDHARI', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}Aadhaar card IMG-20260805-WA0007.jpg needs your check
dob
1986-01-01
1986-01-01
name
Sapana Ramesh Chaudhari
Sapana Ramesh Chaudhari
legible
True
True
aadhaar last4
8620
8620
raw reading (for Abhijit)
{'dob': '1986-01-01', 'pan': None, 'name': 'Sapana Ramesh Chaudhari', 'legible': True, 'aadhaar_last4': '8620', 'quality_issue': None}Aadhaar card IMG-20260805-WA0005.jpg needs your check
dob
1985-08-24
1985-08-24
name
Ramesh Motiram Choudhari
Ramesh Motiram Choudhari
legible
True
True
aadhaar last4
6938
6938
raw reading (for Abhijit)
{'dob': '1985-08-24', 'pan': None, 'name': 'Ramesh Motiram Choudhari', 'legible': True, 'aadhaar_last4': '6938', 'quality_issue': None}Sanction letter Sanction letter - 2026-09-08T190623.128.pdf needs your check
lan
NHL/NSK/0826/5191836
NHL/NSK/0826/5191836
legible
True
True
loan type
Non Housing Loan, Personal use
Non Housing Loan, Personal use
confidence
1
1
loan amount
250000
250000
interest rate
9.65
9.65
sanction date
11-Aug-2026
11-Aug-2026
letter version
3
3
applicant names
RAMESH MOTIRAM CHOUDHARI, SAPANA RAMESH CHAUDHARI
RAMESH MOTIRAM CHOUDHARI, SAPANA RAMESH CHAUDHARI
applicant mobile
9561360200
9561360200
property address
pin: 422003; road: Makhmalabad Road; state: MAHARASHTRA; Flat no: Row House No 01; district: Nashik; landmark: Behind Nyasa Business Center44, Close To Makhmalabad Road; Address: Row House No 01, Raj Mandir Row Hous
pin: 422003; road: Makhmalabad Road; state: MAHARASHTRA; Flat no: Row House No 01; district: Nashik; landmark: Behind Nyasa Business Center44, Close To Makhmalabad Road; Address: Row House No 01, Raj Mandir Row Hous
insurance premium
12000
12000
includes insurance
True
True
total with insurance
262000
262000
applicant address from462
read again off the letter's pages (page 1, the Address row)
read again off the letter's pages (page 1, the Address row)
security address verbatim
Row House No 01, Raj Mandir Row House, Plot No 10, S No 47/8/10, Makhmalabad, Behind Nyasa Business Center44, Nashik, Close To Makhmalabad Road, Nashik, MAHARASHTRA, India, 422003
Row House No 01, Raj Mandir Row House, Plot No 10, S No 47/8/10, Makhmalabad, Behind Nyasa Business Center44, Nashik, Close To Makhmalabad Road, Nashik, MAHARASHTRA, India, 422003
applicant address verbatim
RAJMANDIR ROW HOUSE NO 1, SR NO 47/8/10-10 GHADGE MALA, MAKHAMALABAD ROAD NASHIK, GHADGE MALA, Nashik, MAHARASHTRA, 422003, India
RAJMANDIR ROW HOUSE NO 1, SR NO 47/8/10-10 GHADGE MALA, MAKHAMALABAD ROAD NASHIK, GHADGE MALA, Nashik, MAHARASHTRA, 422003, India
raw reading (for Abhijit)
{'lan': 'NHL/NSK/0826/5191836', 'legible': True, 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1, 'loan_amount': 250000, 'interest_rate': 9.65, 'quality_issue': None, 'sanction_date': '11-Aug-2026', 'letter_version': '3', 'applicant_names': ['RAMESH MOTIRAM CHOUDHARI', 'SAPANA RAMESH CHAUDHARI'], 'applicant_mobile': '9561360200', 'property_address': {'pin': '422003', 'road': 'Makhmalabad Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'Row House No 01', 'district': 'Nashik', 'floor_no': None, 'landmark': 'Behind Nyasa Business Center44, Close To Makhmalabad Road', 'full_address': 'Row House No 01, Raj Mandir Row House, Plot No 10, S No 47/8/10, Makhmalabad, Behind Nyasa Business Center44, Nashik, Close To Makhmalabad Road, Nashik, MAHARASHTRA, India, 422003', 'village_city': 'Nashik', 'building_name': 'Raj Mandir Row House', 'survey_or_cts_no': 'S No 47/8/10'}, 'insurance_premium': 12000, 'includes_insurance': True, 'total_with_insurance': 262000, 'applicant_address_from462': "read again off the letter's pages (page 1, the Address row)", 'security_address_verbatim': 'Row House No 01, Raj Mandir Row House, Plot No 10, S No 47/8/10, Makhmalabad, Behind Nyasa Business Center44, Nashik, Close To Makhmalabad Road, Nashik, MAHARASHTRA, India, 422003', 'applicant_address_verbatim': 'RAJMANDIR ROW HOUSE NO 1, SR NO 47/8/10-10 GHADGE MALA, MAKHAMALABAD ROAD NASHIK, GHADGE MALA, Nashik, MAHARASHTRA, 422003, India'}Selfie / photo 20260908_184937.jpg needs your check
kind
live_selfie
live_selfie
legible
True
True
confidence
1.0
1.0
face visible
True
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 1.0, 'face_visible': True, 'quality_issue': None}Payment screenshot Screenshot_20260908_184716_GPay.jpg needs your check
utr
129259729995
129259729995
date
2026-09-08
2026-09-08
time
18:46
18:46
amount
886
886
method
Google Pay
Google Pay
payee upi
••••56-2@okbizaxis
••••56-2@okbizaxis
payer upi
••••95-2@okhdfcbank
••••95-2@okhdfcbank
payee name
THINKBIGZ INITIATIVE PVT LTD
THINKBIGZ INITIATIVE PVT LTD
payer name
CHETAN DEEPAK MOULE
CHETAN DEEPAK MOULE
raw reading (for Abhijit)
{'utr': '129259729995', 'date': '2026-09-08', 'time': '18:46', 'amount': 886, 'method': 'Google Pay', 'payee_upi': '••••56-2@okbizaxis', 'payer_upi': '••••95-2@okhdfcbank', 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': 'CHETAN DEEPAK MOULE', 'debit_notification_text': None}Selfie / photo IMG-20260908-WA0014.jpg needs your check
kind
group_or_other
group_or_other
legible
False
False
confidence
0.9
0.9
face visible
True
True
quality issue
this is a posed photograph, not a live selfie
this is a posed photograph, not a live selfie
raw reading (for Abhijit)
{'kind': 'group_or_other', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a posed photograph, not a live selfie'}Other image002.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Index II Index II -12.pdf needs your check
kind
index2_input
index2_input
extracted
doc_no: 8890; village: मखमलाबाद; doc_kind: सूची क्र.2; doc_year: 2025; sro_name: सह दु.नि. नाशिक 1; area_text: 0.6625 आर.चौ. मीटर; mortgagee: रमेश मोतीराम चौधरी; filing_fee: 100; mortgagors: ['वाळू पांडुरंग गावीत', 'भारत
doc_no: 8890; village: मखमलाबाद; doc_kind: सूची क्र.2; doc_year: 2025; sro_name: सह दु.नि. नाशिक 1; area_text: 0.6625 आर.चौ. मीटर; mortgagee: रमेश मोतीराम चौधरी; filing_fee: 100; mortgagors: ['वाळू पांडुरंग गावीत', 'भारत
raw reading (for Abhijit)
{'kind': 'index2_input', 'extracted': {'doc_no': '8890', 'village': 'मखमलाबाद', 'doc_kind': 'सूची क्र.2', 'doc_year': '2025', 'sro_name': 'सह दु.नि. नाशिक 1', 'area_text': '0.6625 आर.चौ. मीटर', 'mortgagee': 'रमेश मोतीराम चौधरी', 'filing_fee': 100, 'mortgagors': ['वाळू पांडुरंग गावीत', 'भारती वाळू गावित'], 'stamp_duty': 500, 'filing_date': '2025-08-26', 'loan_amount': 2600000, 'property_text': '1) पालिकेचे नावः नाशिक म.न.पा. इतर वर्णन, इतर माहितीः तुकडी जिल्हा नाशिक पोट तुकडी तालुका नाशिक पैकी नाशिक महानगरपालिका हद्दीतील मौजे मखमलाबाद येथील सर्व्हे नंबर 47/8/10 यामधील प्लॉट नंबर 10 यांसी एकुण क्षेत्र 189.00 चौ.मी. त्यामधून रस्ता रुंदीकरणाचे क्षेत्र वजा करून येणारे उर्वरीत क्षेत्र 178.87 चौ.मी.या मिळकतीवर बांधण्यात आलेल्या राजमंदिर रो-हाऊस या इमारतीमधील रो-हाऊस नंबर 01 यांसी प्लॉटचे क्षेत्र 66.25 चौ. मी. व त्यावरील बांधीव मजल्याचे एकूण कारपेट क्षेत्र 55.86 चौ.मी. अर्थात बांधीव क्षेत्र 67.032 चौ.मी. + टेरेसचे क्षेत्र 5.20 चौ.मी. हि मिळकत. ( (Survey Number: 47/8/10/ प्लॉट/10;))', 'survey_numbers': ['47/8/10', '10'], 'header_doc_number': '8890/2025'}}Other image001.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Other image001.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Other image002.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Technical record (for Abhijit — safe to ignore)
| 43m ago | EzDocs | reader_home_address | {'fp': 'ddaf99c5ff136189', 'from': 'the sanction letter (Sanction letter - 2026-09-08T190623.128.pdf)', 'home': {'pin': '422003', 'area': 'GHADGE MALA', 'flat': 'ROW HOUSE NO 1', 'road': 'MAKHAMALABAD ROAD', 'state': 'MA |
| 9h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 08 Sep, 20:15 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']} |
| 16d ago | EzDocs | letter_home_read462 | {'fp': 'doc:0a2e0067-f88e-4265-9d49-18ae08d0b62b', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'Sanction letter - 2026-09-08T190623.128.pdf', 'asked' |
| 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 | index2_docno_read | {'why': "the title deed box takes the page's OWN number, as its header prints it — never a number it quotes for an earlier sale", 'file': 'Index II -12.pdf', 'doc_id': '7f6eef53-2446-4c95-8000-b20b4fd3e222', 'header_sro' |
| 30d ago | EzDocs | challan_boxes_gathered | {'why': "the challan's boxes (locality, city, PIN) were empty on the case while a paper on it carries them — EzDocs was asked for exactly those; a person checks them on the verification page", 'filled': ['pin'], 'sti |
| 30d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['Index II -12.pdf', 'Sanction letter - 2026-09-08T190623.128.pdf', 'IMG-20260805-WA0007.jpg', 'IMG-20260805-WA0005.jpg', 'IMG-2026080 |
| 30d ago | EzDocs | address_compared | {'sig': '1bfd2bb1fe1067ea', 'why': 'after gather', 'people': [{'home': '', 'person': 'RAMESH MOTIRAM CHOUDHARI', 'against': [], 'home_src': '', 'party_id': '2e61d063-7dfc-479d-802f-af74d22f29b7'}, {'home': '', 'person': |
| 30d ago | EzDocs | challan_boxes_composed | {'fp': '949cd1b6b551c00a', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'ROW HOUSE NO 01 RAJMANDIR ROW HOUSE SURVEY NO |
| 30d ago | EzDocs | box_disagreement | {'box': 'party.dob', 'src': 'aadhaar', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': '1986-02-03', 'page': 1, 'party': 'SAPANA RAMES |
| 30d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'box': 'Village', 'why': "The type |
| 30d ago | EzDocs | property_from_index2 | {'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'Index II -12.pdf', 'changed': {'taluka': {'was': None, 'index2': 'Nashik'} |
| 30d ago | EzDocs | index2_people_checked | {'doc_id': '7f6eef53-2446-4c95-8000-b20b4fd3e222', 'differs': 0, 'matched': [{'score': 0.96, 'person': 'RAMESH MOTIRAM CHOUDHARI', 'pan_agrees': True}, {'score': 1.0, 'person': 'SAPANA RAMESH CHAUDHARI', 'pan_agrees': Tr |
| 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': ['documents', 'fee_paid', 'challan', 'challan_ |
| 30d ago | EzDocs | title_doc_on_case_filing_open | {'was': 'BANK', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'Index II -12.pdf', 'kind': 'index2'} |
| 30d ago | EzDocs | kyc_address_missing | {'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': 'SAPANA RAMESH CHAUDHARI', 'party_id': '46acc8da-24f3-44 |
| 30d ago | EzDocs | kyc_address_missing | {'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': 'RAMESH MOTIRAM CHOUDHARI', 'party_id': '2e61d063-7dfc-4 |
| 31d 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': 10, 'trigger': 'quick sweep'} |
| 34d ago | EzDocs | property_from_index2 | {'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'Index II -12.pdf', 'changed': {'pin': {'was': '422003', 'index2': None}, ' |
| 36d ago | EzDocs | quoted_history_checked | {} |
| 36d ago | EzDocs | desk_documents_backfill | {'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 1, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re: |
| 36d 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': 'RAMESH MOTIRAM CHOU |
| 36d ago | EzDocs | case_reevaluated | {'stage_after': 'CHALLAN_PAID'} |
| 36d ago | EzDocs | challan_found_on_case | {'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing'} |
| 36d ago | EzDocs | challan_inferred_from_desk_mail | {'why': "the NOI team's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread"} |
| 36d ago | EzDocs | payment_verified | {'why': 'the ask was corrected (the case type / the amount) — the money already received covers it', 'amount': 886.0, 'expected': 886.0} |
| 36d ago | ops:Abhijit | case_type_set | {'now': 'TOPUP', 'was': 'NOI', 'why': 'a top-up: only the 0.3 challan and the ₹100 top-up charge are asked'} |
| 37d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 37d ago | EzDocs | draft_withdrawn | {'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ['Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NSK/0826/5191 |
| 37d ago | EzDocs | hidden_payment_scan | {'file': 'image002.jpg', 'kind': 'other', 'found': 0, 'doc_id': 'ad47f83b-75e1-4080-bede-de0e4f483539', 'fetched': True} |
Case diary the case’s history — what happened, newest day first
Papers
All 7 in hand
Selfie re-sent — an earlier one was a photo of a print
Money
₹886 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 Oct1 thing
An old draft withdrew itself — its asks were already answered
26 Sep1 thing — 1 step
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
15 Sep3 things — 3 steps
EzDocs took 7 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
The challan's address boxes were written from the papers
EzDocs read the whole trail as one conversation — where the case stands is on the page
14 Sep2 things — 2 steps
The branch's title document is on the case — the filing is the NOI team's move
EzDocs took 3 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
8 Sep31 things — 12 documents received · 4 letters written · 3 cautions · 12 steps
EzDocs took 9 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Challan
RAMESH MOTIRAM CHOUDHARI EchallanMH009880696202627E.pdf
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
Case type set by a person — the ask follows it — by Abhijit
An old draft withdrew itself — its asks were already answered
Wrote the document chase mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0826/5191836 Applicant Name : RAMESH MOTIRAM CHOUDHARI
Wrote the fee quote mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0826/5191836 Applicant Name : RAMESH MOTIRAM CHOUDHARI
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment short of what the case needs
The balance must come before the challan.
The payment proof already on the case was applied
The branch's own fee working disagrees with the law
Index II (title document) received from the branch
Received: other
image001.jpg
Document could not be read — a clear copy was asked for
this is a posed photograph, not a live selfie
Payment proof arrived before the case was quoted — held
Received: other
image002.jpg
Received: Selfie — not usable
IMG-20260908-WA0014.jpg — this is a posed photograph, not a live selfie
Selfie checked — a live one
A real selfie — usable for the e-filing.
Property address read from the sanction letter
Received: Selfie
20260908_184937.jpg
Received: Payment screenshot
Screenshot_20260908_184716_GPay.jpg
Received: Aadhaar
IMG-20260805-WA0005.jpg
Co-applicant added
Received: Aadhaar
IMG-20260805-WA0007.jpg
Received: Index II
Index II -12.pdf
Received: Sanction letter
Sanction letter - 2026-09-08T190623.128.pdf
Received: PAN card
IMG-20260805-WA0006.jpg
Received: PAN card
IMG-20260805-WA0008.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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