⚠The PNB mailbox has used 133% of what Google lets it send in 24 hours (663 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-02412

PRAKASH BHAGWANDAS SETPAL

LAN NHL/NAV/0725/1417551 Needs documents · waiting on the branch Send the draft 2 All documents Mails & papers 2

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

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, Payment Screenshot with UTR, the property address (being read from the Index II (PRAKASH BHAGWANDAS SETPAL.pdf))

For the e-filing visit later (not for the challan): Applicant's Selfie / Photo

✓Index II — the registered copy of our filing, from the governmentopen download

Sanction Letter — still needed

Applicant's Aadhaar Card — still needed

Applicant's PAN Card — still needed

Payment Screenshot with UTR — still needed

Property address — being read from the Index II (PRAKASH BHAGWANDAS SETPAL.pdf); the engine retries within 5 minutes

Applicant's Selfie / Photo — 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 (4)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 3 minour time · 24 Sep 19:45

the NOI team 18 mintotal 18 min

Complete.

Day by day — every step and who held it

24 Sep 19:27Your branch's mail

24 Sep 19:27Papers readat once

24 Sep 19:45Index II sent+18 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

—

Loan account no.

NHL/NAV/0725/1417551

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, Payment Screenshot with UTR. The engine has asked — nothing to do here unless you want to phone the branch.

⚠ 2 differences between the papers — 2 stop the challan and the filing the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

STOPPreferred property papers missing

This case (the branch's mail)	PRAKASH BHAGWANDAS SETPAL, loan NHL/NAV/0725/1417551 (TOP UP - BT)
The file	no sanction letter, legal report, or technical report is on the file

Why it matters: The file is opened for a Top Up - BT loan but contains no current sanction letter, technical report, or legal report. Only the Index II of the previous Notice of Intimation from 2025 is on the file.

What to do: Ask the branch to send the current sanction letter, legal report, or technical report for the TOP UP loan; do not file until they are received.

STOPLoan amount missing for top-up

This case (the branch's mail)	loan NHL/NAV/0725/1417551 (TOP UP - BT)
The Index II of 22 Sep 2025	Rs. 73,50,000

Why it matters: The only loan amount on the file is from the 2025 Index II of the previous Notice of Intimation. The current transaction is a top-up, but the new loan amount is not printed on any paper.

What to do: Request the current sanction letter or calculation sheet from the branch to confirm the top-up loan amount.

Compared: the papers on the case; and the whole-file reading. Nothing here is typed or changed by itself.

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

The branch has asked for the NOI Index II. The NOI team has not yet responded to this request. The team is waiting for the branch to provide the Index II / sale deed to start the process.

the trail says the next move is with the branch — the Index II

the branch last asked: Please provide NOI Index II asap.

read over 2 mail(s), last mail 2026-09-24 · read 19d 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). The engine 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 the engine 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 the engine, not sent

NOI case NOI-2026-02412 — pending documents

how it will look to the branch

Dear Team,

With reference to the captioned case (LAN: NHL/NAV/0725/1417551), 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
Payment Screenshot with UTR — not received yet

Already received with thanks, no need to resend:

Index II copy / Title document

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.

DRAFT — written by the engine, not sent

Re: FW: RE[2]: Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP

how it will look to the branch

Dear Team,

With reference to the captioned case (LAN: NHL/NAV/0725/1417551), the papers on file leave the following open, and we cannot make the challan until it is settled:

Preferred property papers missing — this case (the branch's mail) says PRAKASH BHAGWANDAS SETPAL, loan NHL/NAV/0725/1417551 (TOP UP - BT); the file says no sanction letter, legal report, or technical report is on the file. Kindly confirm which is right for this NOI.
Loan amount missing for top-up — this case (the branch's mail) says loan NHL/NAV/0725/1417551 (TOP UP - BT); the Index II of 22 Sep 2025 says Rs. 73,50,000. Kindly confirm which is right for this NOI.

Kindly confirm on this same email thread, and share the paper that settles each point where one exists. The NOI filing timeline (30 days from the date of mortgage) applies.

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 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

UB umesh.borade@phfl.com phfl.com
24 Sep, 19:27 · 19d ago THE FIRST MAIL — how this case began

Re: FW: RE[2]: Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

📎 image001.png ↗📎 image002.jpg ↗📎 image003.jpg ↗

Dear Team,

Please provide NOI Index II asap.

Thanks & Regards,
Umesh Borade
Senior Branch Operation Executive
PNB Housing Finance Ltd.
5th Floor, Flat No. 508-509,
Persipolis BuildingSector -17,
Vashi, Navi Mumbai-400703
Mobile: 7709905686
Website- www.pnbhousing.com

earlier mails quoted below

From: Samson Silveira ( samson.silveira@pnbhousing.com )
Date: 09/24/26 18:16
To: Umesh Ramchandra Borade ( umesh.borade@phfl.com )
Subject:  FW: RE[2]: Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Kindly update PDD in kastle.
Thanks & Regards,
Samson Silveira
Navi Mumbai Branch
A 508/509, Persipolis Premises Ltd
Plot No 74, Sec 17 Vashi,
Navi Mumbai - 400703
Mobile:  7291053937
Toll Free: 1800 120 8800
Website-  www.pnbhousing.com

Internal
From:  Umesh Ramchandra Borade < umesh.borade@phfl.com >
Sent:  07 August 2025 16:18
To:  Bhavana Krishna Sawant < Bhavana.Sawant@pnbhousing.com >
Cc:  Aniket Lad < aniket.lad@pnbhousing.com >; Samson Silveira < samson.silveira@pnbhousing.com >; Pooja Mijar < pooja.mijar@pnbhousing.com >; Hemant Kumar 3 < hemant.kumar3@pnbhousing.com >; Merajuddin Khan < Merajuddin.Khan@pnbhousing.com >; Rahul Ajay Singh 9 < rahul.singh9@phfl.com >; Kavita Tambe < kavita.tambe@pnbhousing.com >
Subject:  RE[2]: Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Dear Madam,

Please check, NOI receipt.

Thanks & Regards,
Umesh Borade
Senior Branch Operation Executive
PNB Housing Finance Ltd.
5th Floor, Flat No. 508-509,
Persipolis BuildingSector -17,
Vashi, Navi Mumbai-400703
Mobile: 7709905686
Website-  www.pnbhousing.com

----- Original Message -----

From: Bhavana Krishna Sawant (  Bhavana.Sawant@pnbhousing.com  )

Date: 08/07/25 10:41

To: Umesh Ramchandra Borade (  umesh.borade@phfl.com  )

Cc: Aniket Lad (  aniket.lad@pnbhousing.com  ), Samson Silveira (  samson.silveira@pnbhousing.com ), Pooja Mijar (  pooja.mijar@pnbhousing.com ), Hemant Kumar 3 (  hemant.kumar3@pnbhousing.com ), Merajuddin Khan (  Merajuddin.Khan@pnbhousing.com ), Rahul Ajay Singh 9 (  rahul.singh9@phfl.com ), Kavita Tambe (  kavita.tambe@pnbhousing.com )

Subject: RE: Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Dear Umesh,
Please share NOI and challan filed earlier.
Regards,
Bhavana Sawant.
Ph. No. 9892872670
Internal
From:  Umesh Ramchandra Borade < umesh.borade@phfl.com >
Sent:  06 August 2025 19:32
To:  Nimisha Nandan < nimisha.nandan@pnbhousing.com >; Bhavana Krishna Sawant < Bhavana.Sawant@pnbhousing.com >
Cc:  Aniket Lad < aniket.lad@pnbhousing.com >; Samson Silveira < samson.silveira@pnbhousing.com >; Pooja Mijar < pooja.mijar@pnbhousing.com >; Hemant Kumar 3 < hemant.kumar3@pnbhousing.com >; Merajuddin Khan < Merajuddin.Khan@pnbhousing.com >; Rahul Ajay Singh 9 < rahul.singh9@phfl.com >; Kavita Tambe < kavita.tambe@pnbhousing.com >
Subject:  Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Dear Madam,

Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Thanks & Regards,
Umesh Borade
Senior Branch Operation Executive
PNB Housing Finance Ltd.
5th Floor, Flat No. 508-509,
Persipolis BuildingSector -17,
Vashi, Navi Mumbai-400703
Mobile: 7709905686
Website-  www.pnbhousing.com

🤖 read: asks for the Index II — “Please provide NOI Index II asap.”

OL The NOI teamTYPED IN GMAIL
24 Sep, 19:45 · 19d ago

📎 PRAKASH BHAGWANDAS SETPAL.pdf ↗

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Thu, 24 Sept 2026 at 19:25, Umesh Ramchandra Borade <
umesh.borade@phfl.com> wrote:

Dear Team,

Please provide NOI Index II asap.

Thanks & Regards,

Umesh Borade

*Senior Branch Operation Executive*

*PNB Housing Finance Ltd.*

5th Floor, Flat No. 508-509,

Persipolis BuildingSector -17,

Vashi, Navi Mumbai-400703

Mobile: 7709905686 <(770)%20990-5686>

Website- www.pnbhousing.com <http://www.pnbhousing.com/>

----- Original Message -----
------------------------------
From: Samson Silveira (samson.silveira@pnbhousing.com)
Date: 09/24/26 18:16
To: Umesh Ramchandra Borade (umesh.borade@phfl.com)
Subject: FW: RE[2]: Please approve Legal checker in system – PRAKASH
BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Kindly update PDD in kastle.

Thanks & Regards,

*Samson Silveira*

Navi Mumbai Branch

A 508/509, Persipolis Premises Ltd

Plot No 74, Sec 17 Vashi,
<https://www.google.com/maps/search/No+74,+Sec+17+Vashi,+Navi+Mumbai+-+400703?entry=gmail&source=g>

Navi Mumbai - 400703
<https://www.google.com/maps/search/No+74,+Sec+17+Vashi,+Navi+Mumbai+-+400703?entry=gmail&source=g>

Mobile:7291053937

Toll Free: 1800 120 8800

Website- <http://www.pnbhousing.com/>www.pnbhousing.com

[image: Email Signature]

Internal

*From:* Umesh Ramchandra Borade <umesh.borade@phfl.com>
*Sent:* 07 August 2025 16:18
*To:* Bhavana Krishna Sawant <Bhavana.Sawant@pnbhousing.com>
*Cc:* Aniket Lad <aniket.lad@pnbhousing.com>; Samson Silveira <
samson.silveira@pnbhousing.com>; Pooja Mijar <pooja.mijar@pnbhousing.com>;
Hemant Kumar 3 <hemant.kumar3@pnbhousing.com>; Merajuddin Khan <
Merajuddin.Khan@pnbhousing.com>; Rahul Ajay Singh 9 <rahul.singh9@phfl.com>;
Kavita Tambe <kavita.tambe@pnbhousing.com>
*Subject:* RE[2]: Please approve Legal checker in system – PRAKASH
BHAGWANDAS SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Dear Madam,

Please check, NOI receipt.

Thanks & Regards,

Umesh Borade

*Senior Branch Operation Executive*

*PNB Housing Finance Ltd.*

5th Floor, Flat No. 508-509,

Persipolis BuildingSector -17,

Vashi, Navi Mumbai-400703

Mobile: 7709905686 <(770)%20990-5686>

Website- <http://www.pnbhousing.com/>www.pnbhousing.com

----- Original Message -----
------------------------------

From: Bhavana Krishna Sawant ( <Bhavana.Sawant@pnbhousing.com>
Bhavana.Sawant@pnbhousing.com)

Date: 08/07/25 10:41

To: Umesh Ramchandra Borade ( <umesh.borade@phfl.com>umesh.borade@phfl.com
)

Cc: Aniket Lad ( <aniket.lad@pnbhousing.com>aniket.lad@pnbhousing.com),
Samson Silveira ( <samson.silveira@pnbhousing.com>
samson.silveira@pnbhousing.com), Pooja Mijar (
<pooja.mijar@pnbhousing.com>pooja.mijar@pnbhousing.com), Hemant Kumar 3 (
<hemant.kumar3@pnbhousing.com>hemant.kumar3@pnbhousing.com), Merajuddin
Khan ( <Merajuddin.Khan@pnbhousing.com>Merajuddin.Khan@pnbhousing.com),
Rahul Ajay Singh 9 ( <rahul.singh9@phfl.com>rahul.singh9@phfl.com),
Kavita Tambe ( <kavita.tambe@pnbhousing.com>kavita.tambe@pnbhousing.com)

Subject:*RE: Please approve Legal checker in system – PRAKASH BHAGWANDAS
SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)*

Dear Umesh,

Please share NOI and challan filed earlier.

Regards,

Bhavana Sawant.

Ph. No. 9892872670 <(989)%20287-2670>

Internal

*From:* Umesh Ramchandra Borade <umesh.borade@phfl.com>
*Sent:* 06 August 2025 19:32
*To:* Nimisha Nandan <nimisha.nandan@pnbhousing.com>; Bhavana Krishna
Sawant <Bhavana.Sawant@pnbhousing.com>
*Cc:* Aniket Lad <aniket.lad@pnbhousing.com>; Samson Silveira <
samson.silveira@pnbhousing.com>; Pooja Mijar <pooja.mijar@pnbhousing.com>;
Hemant Kumar 3 <hemant.kumar3@pnbhousing.com>; Merajuddin Khan <
Merajuddin.Khan@pnbhousing.com>; Rahul Ajay Singh 9 <rahul.singh9@phfl.com>;
Kavita Tambe <kavita.tambe@pnbhousing.com>
*Subject:* Please approve Legal checker in system – PRAKASH BHAGWANDAS
SETPAL - NHL/NAV/0725/1417551 (TOP UP - BT)

Dear Madam,

Please approve Legal checker in system – PRAKASH BHAGWANDAS SETPAL -
NHL/NAV/0725/1417551 (TOP UP - BT)

Thanks & Regards,

Umesh Borade

*Senior Branch Operation Executive*

*PNB Housing Finance Ltd.*

5th Floor, Flat No. 508-509,

Persipolis BuildingSector -17,

Vashi, Navi Mumbai-400703

Mobile: 7709905686 <(770)%20990-5686>

Website-  <http://www.pnbhousing.com/>www.pnbhousing.com

🤖 read: The sender has sent a mail with attachments but no text.

Every file the branch sent, and what the engine 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.

For the e-filing visit later (not for the challan): Applicant's Selfie / Photo

Document	File — click to open	Status	When
Other	image001.png	filed	19d ago
Other	image002.jpg	filed	19d ago
Other	image003.jpg	filed	19d ago
Index IIthe registered copy we filed	PRAKASH BHAGWANDAS SETPAL.pdf	filed	19d 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

No payment recorded yet. When money reaches our account (or the branch sends a screenshot), it shows here.

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
mortgagor	PRAKASH BHAGWANDAS SETPAL	CALPS1919R

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	umesh.borade@phfl.com	19d ago
questions for the branch — what the papers leave open	umesh.borade@phfl.com	19d ago
questions for the branch — what the papers leave open	umesh.borade@phfl.com	16d ago
questions for the branch — what the papers leave open	umesh.borade@phfl.com	15d ago
document chase	umesh.borade@phfl.com	15d ago
questions for the branch — what the papers leave open	umesh.borade@phfl.com	12d ago
questions for the branch — what the papers leave open	umesh.borade@phfl.com	11d ago
questions for the branch — what the papers leave open	umesh.borade@phfl.com	11d ago

What the engine read from each document — check anything marked in red

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image002.jpg needs your check

payments inside
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 image003.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image003.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image002.jpg needs your check

payments inside
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.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Index II PRAKASH BHAGWANDAS SETPAL.pdf needs your check

payments inside
kind: other; payments: []

raw reading (for Abhijit)

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

Technical record (for Abhijit — safe to ignore)

5d ago	system:emails	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)', 'Payment Screenshot
8d ago	system:emails	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)', 'Payment Screenshot
11d ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ["Preferred property papers missing — this case (the branch's mail) says PRAKASH BHAGWANDAS SETPAL, loan NHL/N
11d ago	system:emails	email_shadowed:branch_questions	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAV/0725/1417551), the papers on file leave the following open, and we cannot make the challan until it is settled:\n\
11d ago	system:emails	draft_withdrawn	{'why': 'a fresher branch questions replaces it — the words changed', 'count': 1, 'kinds': ['branch_questions']}
11d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '67f4a2192002bb1a', 'docs': ['PRAKASH BHAGWANDAS SETPAL.pdf'], 'loan': {'amount': None, 'made_of': [], 'not_ours': [], 'arithmetic': None, 'confidence': 'low'}, 'asked': True, 'checks': [{'box': "th
11d ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ['No property papers on file — the case says Awaiting property papers to verify and draft the challan; documen
11d ago	system:emails	email_shadowed:branch_questions	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAV/0725/1417551), the papers on file leave the following open, and we cannot make the challan until it is settled:\n\
11d ago	system:emails	draft_withdrawn	{'why': 'a fresher branch questions replaces it — the words changed', 'count': 1, 'kinds': ['branch_questions']}
11d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '67f4a2192002bb1a', 'docs': ['PRAKASH BHAGWANDAS SETPAL.pdf'], 'loan': {'amount': 7350000, 'made_of': [{'paper': 'the Index II of Notice of Intimation', 'quote': 'Rs.7350000/-', 'amount': 7350000}],
11d ago	ezdocs:reader	case_read_started	{'tag': '67f4a2192002bb1a', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'}
11d ago	ezdocs:reader	case_read_started	{'tag': '67f4a2192002bb1a', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'}
12d ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ["Index II provided is for a past filing, not current request — the branch's request mail of 2026-09-24 says P
12d ago	system:emails	email_shadowed:branch_questions	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAV/0725/1417551), the papers on file leave the following open, and we cannot make the challan until it is settled:\n\
12d ago	system:emails	draft_withdrawn	{'why': 'the questions were put through the test again: they no longer stand', 'count': 1, 'kinds': ['branch_questions']}
12d ago	system:emails	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)', 'Payment Screenshot
15d ago	system:emails	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)', 'Payment Screenshot
15d ago	system:emails	email_shadowed:doc_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAV/0725/1417551), the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant'
15d ago	system:emails	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
15d ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ["Index II provided is for a past filing, not current request — the branch's request mail of 2026-09-24 says P
15d ago	system:emails	email_shadowed:branch_questions	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAV/0725/1417551), the papers on file leave the following open, and we cannot make the challan until it is settled:\n\
15d ago	system:emails	draft_withdrawn	{'why': 'a fresher set of questions for the branch replaces it', 'count': 1}
15d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'ddcf7c7d05d1ff33', 'docs': ['PRAKASH BHAGWANDAS SETPAL.pdf'], 'loan': {}, 'asked': True, 'checks': [], 'read_v': '441.aa44537302', 'unsure': [{'box': 'borrower.first', 'why': 'PAN card missing to c
16d ago	system:ingest	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",
16d ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ["The provided Index II is for a previous Notice of Intimation, not the current transaction's property details
16d ago	system:emails	email_shadowed:branch_questions	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAV/0725/1417551), the papers on file leave the following open, and we cannot make the challan until it is settled:\n\
16d ago	system:emails	draft_withdrawn	{'why': 'a fresher set of questions for the branch replaces it', 'count': 1}
16d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '95426c1b730455cb', 'docs': ['PRAKASH BHAGWANDAS SETPAL.pdf'], 'loan': {'amount': None, 'made_of': [], 'not_ours': [], 'arithmetic': None, 'confidence': None}, 'asked': True, 'checks': [], 'read_v':
16d ago	system:ingest	pan_by_reading443	{'now': 'CALPS1919R', 'was': None, 'why': 'the reading of the whole file — which knows whose card a PAN is — puts this PAN on the borrower; the row follows the reading', 'card': None, 'person': 'PRAKASH BHAGWANDAS SETPAL
19d ago	system:payments	hidden_payment_scan	{'file': 'PRAKASH BHAGWANDAS SETPAL.pdf', 'kind': 'other', 'found': 0, 'doc_id': 'cb4b18c7-0e27-4d57-a168-f94368986968', 'fetched': True}

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

Papers

4 still needed for the challan

Sanction Letter, Applicant's Aadhaar Card, Applicant's PAN Card, Payment Screenshot with UTR

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

8 Oct1 thing

Nothing new to ask for — stayed quiet