⚠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-2026-03132
Aruna Vilas Karpe
LAN HOU/ARNG/0926/5210154
Challan paid · waiting on the branch
Waiting for the Index IISend the draft 2All documentsMails & papers 3Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs2 still to come
7 of 9 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
The challan was paid on another loan figure. The file adds up to ₹19,550; it reads: ₹7,330 (stamp-duty head), ₹12,220 (registration head), ₹7,330 (stamp-duty head), ₹12,220 (registration head); this case’s figures say ₹12,610 (0.3% ₹4,730 + 0.5% ₹7,880 on a loan of ₹15,75,000); the challan itself says a loan of ₹24,41,250. No sanction letter on this file prints ₹24,41,001–₹24,41,668, alone or with another — is it this customer’s challan? Open it before pressing either button. The NOI team paid it, so the case is past the challan — but the e-filing must carry the challan’s figure. Settle the loan amount before filing.
✓MOTDopen
✓Paid challan (GRAS)open
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Index II copy / Title document — for the e-filing visit later
All files (3)A label is wrong? Fix it under All documents.
Needs your eyes
- Challan on file does not agree with the case. Open it before paying or sharing.
MoneyAll of it is in
₹14,430.88CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹21,400 receivedthe receipt's amount and minute agree
Stamp duty 0.3%4,730
Registration fee 0.5%7,880
Government handling320
Our service fee1,500.88
Total we ask for14,430.88
the branch’s receipt claims ₹21,400 052425075420
paid 29 Sep 23:30:27 · verified 5 Oct 10:51:38 · 5 d 11 h later
How we know
Our own bank told us — 29 Sep 23:30
₹21,400 · UTR 052425075420 · from JM-HDFCBN-S
“Successful! You have received Rs. 21400.00 via HDFC Bank SmartHub Vyapar from ARUNA VILA . RRN-052425075420 , Check: https://1.hdfc.bank.in/HDFCBK/s/PxWdNx9q”
Matched by: the screenshot's amount AND its minute agree with this credit
By law ₹14,420. We ask ₹14,430 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 1 h 10 minour time · 5 Oct 11:59
Index II —not yet
the NOI team 8 d 13 htotal 8 d 13 h so far
Now with the NOI team — e-filing on IGR
since 5 Oct 11:59 — 8 d 11 h of working time
Day by day — every step and who held it
5 Oct 10:48Your branch's mail
5 Oct 10:48Payment landedat once
5 Oct 10:50Papers read+2 min · the NOI team
5 Oct 10:51Property readat once
5 Oct 10:51Fee quotedat once
5 Oct 10:51Payment verifiedat once
5 Oct 10:51Ready for the challanat once
5 Oct 11:59Challan made+1 h 08 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹15,75,000
Loan account no.
HOU/ARNG/0926/5210154
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
The engine read these from the sanction letter. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.
District
Aurangabad
Taluka
Aurangabad
Village
Chikalthana
Number type
PLOT
Number
03 B-Part, 374/P
Building
ABC Grand 40
Floor
(empty)
Flat / shop no
(empty)
Area
(empty)
Hadd
Aurangabad
Read from the sanction letter, not the Index II. aruna karpe.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 8d ago — all agree.
Floor, Flat / shop no, Area are empty — the portal will not take a blank. Fill it on the verification page first →
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. The engine 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, the engine sees:
• DO NOT SAVE — the loan: the paid challan (₹19,550, GRN MH011359557202627E) was worked on a loan of ₹24,41,001–₹24,41,668; this case holds ₹15,75,000, and no sanction letter on the file prints that figure, alone or with another. Open the challan: is it this customer's, and which figure is the loan? On the case page, set the loan to the challan's figure if it is right, or mark the challan wrong — this clears then.
• 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.
• VILAS DEVIDAS KARPE: PAN missing — VILAS DEVIDAS KARPE's own Aadhaar (aruna karpe.pdf) is read but no PAN comes off it — read it off the card beside the form
• person 2's mobile: the case's 9765222327 came off a card — not typed; copy it from the sanction letter / KFS or the branch's mail
• 14 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road
• Build Up Area not on file — read it off the Index II / sale deed
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.
Where this case stands — the whole trailread by EzDocs as one conversation
The branch has sent the loan documents and requested assistance with the challan and NOI filing. The team needs to provide a fee quote to the branch.
the trail says the next move is with the NOI team — the fee quote
the branch last asked: Pls help with challan & NOI for the mentioned case.
✓ loan papers sent — done, mail 1 (2026-10-05) “PFA & Pls help with challan & NOI for the mentioned case.”
read over 1 mail(s), last mail 2026-10-05 · read 8d 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). 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.
✓ EzDocs checked every box against the document’s own words 8d 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 | MH011359557202627E | — | 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 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
FW: PFA & Pls help for challan &NOI for the mentioned case. ARUNA VILAS KARPE HOU/ARNG/0926/5210154 & NHL/ARNG
DRAFT — written by the engine, not sent
Index II pending — NOI NOI-2026-03132 | HOU/ARNG/0926/5210154
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
asmita.kulkarni@pnbhousing.com pnbhousing.com
05 Oct, 10:48 · 8d ago THE FIRST MAIL — how this case began
05 Oct, 10:48 · 8d ago THE FIRST MAIL — how this case began
FW: PFA & Pls help for challan &NOI for the mentioned case. ARUNA VILAS KARPE HOU/ARNG/0926/5210154 & NHL/ARNG/0926/5229
Dear Team
PFA & Pls help with challan & NOI for the mentioned case.
SRO2
HOU/ARNG/0926/5210154 & NHL/ARNG/0926/5229992
Thanks & Regards,
Asmita Kulkarni.
Customer Service Manager – Loans
pnb
Housing Finance Limited
Ch.Sambhajinagar.-431001
Mob. No. 7972988248
Internal
From: Pawan Bhagwan Patil 1 <pawan.patil1@phfl.com>
Sent: Wednesday, September 30, 2026 1:07 PM
To: Asmita Kulkarni <asmita.kulkarni@pnbhousing.com>
Subject: PFA & Pls help for challan &NOI for the mentioned case. ARUNA VILAS KARPE HOU/ARNG/0926/5210154
PFA & Pls help for challan & NOI for the mentioned case . ARUNA VILAS KARPE HOU/ARNG/0926/5210154
🤖 read: asks for the challan, the e-filing copy; documents attached — “Pls help with challan & NOI for the mentioned case.”
OL
The NOI teamTYPED IN GMAIL
05 Oct, 11:29 · 8d ago
05 Oct, 11:29 · 8d ago
Re: FW: PFA & Pls help for challan &NOI for the mentioned case. ARUNA VILAS KARPE HOU/ARNG/0926/5210154 & NHL/ARNG/0926/
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 Mon, 5 Oct 2026 at 10:50, Asmita Kulkarni <asmita.kulkarni@pnbhousing.com>
wrote:
earlier mails quoted below
Dear Team
PFA & Pls help with challan & NOI for the mentioned case.
SRO-2
HOU/ARNG/0926/5210154 & NHL/ARNG/0926/5229992
Thanks & Regards,
*Asmita Kulkarni.*
Customer Service Manager – Loans
pnb *Housing Finance Limited*
Ch.Sambhajinagar.-431001
Mob. No. 7972988248
[image: Email Signature]
Internal
*From:* Pawan Bhagwan Patil 1 <pawan.patil1@phfl.com>
*Sent:* Wednesday, September 30, 2026 1:07 PM
*To:* Asmita Kulkarni <asmita.kulkarni@pnbhousing.com>
*Subject:* PFA & Pls help for challan &NOI for the mentioned case. ARUNA
VILAS KARPE HOU/ARNG/0926/5210154
PFA & Pls help for challan &NOI for the mentioned case*. ARUNA VILAS
KARPE HOU/ARNG/0926/5210154***
🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
05 Oct, 11:59 · 8d ago
05 Oct, 11:59 · 8d ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Mon, 5 Oct 2026 at 11:29, 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 Mon, 5 Oct 2026 at 10:50, Asmita Kulkarni < asmita.kulkarni@pnbhousing.com > wrote:
Dear Team
PFA & Pls help with challan & NOI for the mentioned case.
SRO-2
HOU/ARNG/0926/5210154 & NHL/ARNG/0926/5229992
Thanks & Regards,
Asmita Kulkarni.
Customer Service Manager – Loans
pnb
Housing Finance Limited
Ch.Sambhajinagar.-431001
Mob. No. 7972988248
Internal
From: Pawan Bhagwan Patil 1 < pawan.patil1@phfl.com >
Sent: Wednesday, September 30, 2026 1:07 PM
To: Asmita Kulkarni < asmita.kulkarni@pnbhousing.com >
Subject: PFA & Pls help for challan &NOI for the mentioned case. ARUNA VILAS KARPE HOU/ARNG/0926/5210154
PFA & Pls help for challan & NOI for the mentioned case . ARUNA VILAS KARPE HOU/ARNG/0926/5210154
🤖 read: challan shared ✓ — “PFA challan for your reference.”
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.
| Document | File — click to open | Status | When |
|---|---|---|---|
| Other | image001.jpg | filed | 8d ago |
| MOTD+ Sanction letter inside+ Payment screenshot inside+ Selfie / photo inside+ Aadhaar card inside+ PAN card inside | aruna karpe.pdf | filed | 8d ago |
| Paid challan (GRAS) | ARUNA VILAS KARPE EchallanMH011359557202627E.pdf | filed | 8d 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
₹14,430.88
₹14,430.88
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹21,400 052425075420
₹21,400 052425075420
Paid at
29 Sep 23:30:27
29 Sep 23:30:27
Verified on
5 Oct 10:51:38
5 Oct 10:51:38
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹4,730 | ₹7,880 | ₹320 | ₹1,500 | ₹14,430 |
By law ₹14,420. We ask ₹14,430 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Property (must be perfect)
36 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Floor, Flat / shop no, Area, Area unit (Sq.mt. / Sq.ft.), Title deed no / year / SRO …
15 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, derived, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …
✓ EzDocs checked every box against the document’s own words 8d ago — all agree.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
aruna karpe.pdf
as printed
PLOT NO. 03 B-PART, ABC GRAND 40, GUT NO. 374/P, MAUJE CHIKALTHANA, AURANGABAD, AURANGABAD, MAHARASHTRA, INDIA, 431001
PLOT NO. 03 B-PART, ABC GRAND 40, GUT NO. 374/P, MAUJE CHIKALTHANA, AURANGABAD, AURANGABAD, MAHARASHTRA, INDIA, 431001
PIN
431001
431001
THE CHALLAN, as it will be typed
Flat/Survey Number
PLOT NO 03 B-PART ABC GRAND 40 GUT NO 374/P MAUJE CHIKALTHANA AURANGABAD MAHARASHTRA
PLOT NO 03 B-PART ABC GRAND 40 GUT NO 374/P MAUJE CHIKALTHANA AURANGABAD MAHARASHTRA
Locality/Road
Area/City
AURANGABAD
check or correct a box, the papers beside it →AURANGABAD
Every paper prints the same words as the base paper.
Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base 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 | VILAS DEVIDAS KARPE | …5491 | |
| mortgagor | ARUNA VILAS KARPE | HOSPK6611E |
All mail records (for Abhijit — safe to ignore)
2 mail(s) written and held — read and send them on Draft mails.
| Template | To | When |
|---|---|---|
| acknowledgement | asmita.kulkarni@pnbhousing.com | 8d ago |
| Index II chase | asmita.kulkarni@pnbhousing.com | 7d ago |
| Index II chase | asmita.kulkarni@pnbhousing.com | 4d ago |
| Index II chase | asmita.kulkarni@pnbhousing.com | 13h ago |
What the engine read from each document — check anything marked in red
Other image001.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}MOTD aruna karpe.pdf needs your check
amount words
INR 2441280 (Rupees /wenty Four Twenty Four Lakh Forty OneTi "One Thov sam two Hundred fifty ONLY.
INR 2441280 (Rupees /wenty Four Twenty Four Lakh Forty OneTi "One Thov sam two Hundred fifty ONLY.
secured amount
2441280.0
2441280.0
raw reading (for Abhijit)
{'amount_words': 'INR 2441280 (Rupees /wenty Four Twenty Four Lakh Forty OneTi "One Thov sam two Hundred fifty ONLY.', 'secured_amount': 2441280.0}MOTD aruna karpe.pdf needs your check
dob
1991-11-22
1991-11-22
pan
HOSPK6611E
HOSPK6611E
name
ARUNA VILAS KARPE
ARUNA VILAS KARPE
legible
True
True
father name
NARAYAN GADEKAR
NARAYAN GADEKAR
raw reading (for Abhijit)
{'dob': '1991-11-22', 'pan': 'HOSPK6611E', 'name': 'ARUNA VILAS KARPE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'NARAYAN GADEKAR', 'aadhaar_last4': None, 'quality_issue': None}MOTD aruna karpe.pdf needs your check
dob
1987-12-31
1987-12-31
name
VILAS DEVIDAS KARPE
VILAS DEVIDAS KARPE
mobile
9765222327
9765222327
address
pin: 431001; flat: PLOT NO 45; road: NEAR GANESH TEMPLE, CIDCO N 4; state: Maharashtra; building: JAY BHAWANI NAGAR, CIDCO N 4; district: Aurangabad; post_office: Aurangabad (mh); village_city: Aurangabad
pin: 431001; flat: PLOT NO 45; road: NEAR GANESH TEMPLE, CIDCO N 4; state: Maharashtra; building: JAY BHAWANI NAGAR, CIDCO N 4; district: Aurangabad; post_office: Aurangabad (mh); village_city: Aurangabad
legible
True
True
aadhaar last4
5491
5491
raw reading (for Abhijit)
{'dob': '1987-12-31', 'pan': None, 'name': 'VILAS DEVIDAS KARPE', 'mobile': '9765222327', 'address': {'pin': '431001', 'area': None, 'flat': 'PLOT NO 45', 'road': 'NEAR GANESH TEMPLE, CIDCO N 4', 'floor': None, 'state': 'Maharashtra', 'building': 'JAY BHAWANI NAGAR, CIDCO N 4', 'district': 'Aurangabad', 'post_office': 'Aurangabad (mh)', 'village_city': 'Aurangabad'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '5491', 'quality_issue': None}MOTD aruna karpe.pdf needs your check
lan
HOU/ARNG/0926/5210154
HOU/ARNG/0926/5210154
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'ARUNA VILAS KARPE', 'role': 'applicant', 'label': 'Borrower'}, {'name': 'ARUNA VILAS KARPE', 'role': 'applicant', 'label': 'Borrower'}
{'name': 'ARUNA VILAS KARPE', 'role': 'applicant', 'label': 'Borrower'}, {'name': 'ARUNA VILAS KARPE', 'role': 'applicant', 'label': 'Borrower'}
confidence
5
5
rate words
13.15% per annum 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
13.15% per annum 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
handwritten
{'says': 'Twenty Four lakh Forty one th hov sam two Hundred fifty ONLY.', 'where': 'page 1, loan amount', 'touches': 'amount', 'printed_was': '2441280'}, {'says': 'ARUNA KARPE', 'where': 'page 1, Mortgagor(s) name', 'tou
{'says': 'Twenty Four lakh Forty one th hov sam two Hundred fifty ONLY.', 'where': 'page 1, loan amount', 'touches': 'amount', 'printed_was': '2441280'}, {'says': 'ARUNA KARPE', 'where': 'page 1, Mortgagor(s) name', 'tou
loan amount
1500000.0
1500000.0
rate spread
-4.65
-4.65
final amount
1575000.0
1575000.0
interest rate
8.5
8.5
letter version
5
5
reference rate
13.15
13.15
applicant email
vkmarketing2020@gmail.com
vkmarketing2020@gmail.com
applicant names
ARUNA VILAS KARPE, VILAS DEVIDAS KARPE
ARUNA VILAS KARPE, VILAS DEVIDAS KARPE
printed altered
True
True
applicant mobile
9890523112
9890523112
balance transfer
False
False
property address
pin: 431001; state: MAHARASHTRA; taluka: Aurangabad; district: Aurangabad; full_address: Plot No. 03 B-Part, ABC Grand 40, Gut No. 374/P, Mauje Chikalthana, Aurangabad, Aurangabad, MAHARASHTRA, India, 431001; village_cit
pin: 431001; state: MAHARASHTRA; taluka: Aurangabad; district: Aurangabad; full_address: Plot No. 03 B-Part, ABC Grand 40, Gut No. 374/P, Mauje Chikalthana, Aurangabad, Aurangabad, MAHARASHTRA, India, 431001; village_cit
insurance premium
75000.0
75000.0
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
1575000.0
1575000.0
security address verbatim
Plot No. 03 B-Part, ABC Grand 40, Gut No. 374/P, Mauje Chikalthana, Aurangabad, Aurangabad, MAHARASHTRA, India, 431001
Plot No. 03 B-Part, ABC Grand 40, Gut No. 374/P, Mauje Chikalthana, Aurangabad, Aurangabad, MAHARASHTRA, India, 431001
applicant address verbatim
PLOT NO 45 S NO 68, JAY BHAWANI NAGAR NEAR GANESH TEMPLE, CIDCO N-4 AURANGABAD, Aurangabad, MAHARASHTRA, 431001, Aurangabad, India
PLOT NO 45 S NO 68, JAY BHAWANI NAGAR NEAR GANESH TEMPLE, CIDCO N-4 AURANGABAD, Aurangabad, MAHARASHTRA, 431001, Aurangabad, India
raw reading (for Abhijit)
{'lan': 'HOU/ARNG/0926/5210154', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'ARUNA VILAS KARPE', 'role': 'applicant', 'label': 'Borrower'}, {'name': 'ARUNA VILAS KARPE', 'role': 'applicant', 'label': 'Borrower'}], 'loan_type': None, 'confidence': 5, 'rate_words': '13.15% per annum\n13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement', 'handwritten': [{'says': 'Twenty Four lakh Forty one th hov sam two Hundred fifty ONLY.', 'where': 'page 1, loan amount', 'touches': 'amount', 'printed_was': '2441280'}, {'says': 'ARUNA KARPE', 'where': 'page 1, Mortgagor(s) name', 'touches': 'name', 'printed_was': None}, {'says': 'RAHUL MAHAJAN', 'where': 'page 1, Mr./Ms. name', 'touches': 'name', 'printed_was': None}, {'says': 'Aurangaboq', 'where': 'page 1, Aurangabad', 'touches': 'other', 'printed_was': None}, {'says': 'Amor wakekut', 'where': 'page 1, Mr./Ms. name', 'touches': 'name', 'printed_was': None}, {'says': 'Asmita kulkami.', 'where': 'page 1, Mr./Mrs. name', 'touches': 'name', 'printed_was': None}, {'says': '२१६१०२५', 'where': 'page 1, signature', 'touches': 'other', 'printed_was': None}, {'says': 'ARUNA VILAS KARPE', 'where': 'page 2, Mortgagor(s) name', 'touches': 'name', 'printed_was': None}, {'says': 'PLOT NO 45 570.48 JAY BHAWANI Nagar Near Ganesh temple, CIDCON -4 Autangabad 431001.', 'where': 'page 2, Mortgagor(s) address', 'touches': 'property', 'printed_was': None}, {'says': 'ARUNG karpe', 'where': 'page 2, Borrower name', 'touches': 'name', 'printed_was': None}, {'says': 'PLOTNO 3B-Part', 'where': 'page 2, Property No.', 'touches': 'property', 'printed_was': None}, {'says': 'GUT NO 374;', 'where': 'page 2, Municipal No.', 'touches': 'property', 'printed_was': None}, {'says': 'Chikalthana', 'where': 'page 2, Situated at', 'touches': 'property', 'printed_was&#MOTD aruna karpe.pdf needs your check
payments inside
payments: [{'utr': '052425075420', 'date': '2026-09-29', 'page': 5, 'time': '23:30', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 21400.0, 'direction': 'debit', 'narration': 'Plot NOI chalan', 'proof_kind': 'succe
payments: [{'utr': '052425075420', 'date': '2026-09-29', 'page': 5, 'time': '23:30', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 21400.0, 'direction': 'debit', 'narration': 'Plot NOI chalan', 'proof_kind': 'succe
raw reading (for Abhijit)
{'payments_inside': {'payments': [{'utr': '052425075420', 'date': '2026-09-29', 'page': 5, 'time': '23:30', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 21400.0, 'direction': 'debit', 'narration': 'Plot NOI chalan', 'proof_kind': 'success_screen'}]}}Paid challan (GRAS) ARUNA VILAS KARPE EchallanMH011359557202627E.pdf needs your check
grn
MH011359557202627E
MH011359557202627E
pin
431001
431001
total
19550
19550
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100500241
03006172026100500241
district
CHHATRAPATI SAMBHAJINAGAR
CHHATRAPATI SAMBHAJINAGAR
area city
AURANGABAD
AURANGABAD
payer pan
HOSXXXXXXE
HOSXXXXXXE
flat block
PLOT NO 3 B PART ABC GRAND 40 GUT NO
PLOT NO 3 B PART ABC GRAND 40 GUT NO
payer name
ARUNA VILAS KARPE
ARUNA VILAS KARPE
sro office
CSN2_JT SUB REGI CH_SAMBHAJINAGAR
CSN2_JT SUB REGI CH_SAMBHAJINAGAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2441250
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2441250
scheme rows
{'amount': 7330, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 12220, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 7330, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 12220, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX3112
XXXXXX3112
payment date
05/10/2026-11:59:30
05/10/2026-11:59:30
road locality
374 P MAUJE CHIKALTHANA DIST AURANGABAD MAHARASHTRA
374 P MAUJE CHIKALTHANA DIST AURANGABAD MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
2441250
2441250
raw reading (for Abhijit)
{'grn': 'MH011359557202627E', 'pin': '431001', 'total': 19550, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100500241', 'district': 'CHHATRAPATI SAMBHAJINAGAR', 'area_city': 'AURANGABAD', 'payer_pan': 'HOSXXXXXXE', 'flat_block': 'PLOT NO 3 B PART ABC GRAND 40 GUT NO', 'payer_name': 'ARUNA VILAS KARPE', 'sro_office': 'CSN2_JT SUB REGI CH_SAMBHAJINAGAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2441250', 'scheme_rows': [{'amount': 7330, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 12220, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3112', 'payment_date': '05/10/2026-11:59:30', 'road_locality': '374 P MAUJE CHIKALTHANA DIST AURANGABAD MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2441250'}Paid challan (GRAS) ARUNA VILAS KARPE EchallanMH011359557202627E.pdf needs your check
grn
MH011359557202627E
MH011359557202627E
pin
431001
431001
total
19550
19550
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100500241
03006172026100500241
district
CHHATRAPATI SAMBHAJINAGAR
CHHATRAPATI SAMBHAJINAGAR
area city
AURANGABAD
AURANGABAD
payer pan
HOSXXXXXXE
HOSXXXXXXE
flat block
PLOT NO 3 B PART ABC GRAND 40 GUT NO
PLOT NO 3 B PART ABC GRAND 40 GUT NO
payer name
ARUNA VILAS KARPE
ARUNA VILAS KARPE
sro office
CSN2_JT SUB REGI CH_SAMBHAJINAGAR
CSN2_JT SUB REGI CH_SAMBHAJINAGAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2441250
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2441250
scheme rows
{'amount': 7330, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 12220, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 7330, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 12220, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX3112
XXXXXX3112
payment date
05/10/2026-11:59:30
05/10/2026-11:59:30
road locality
374 P MAUJE CHIKALTHANA DIST AURANGABAD MAHARASHTRA
374 P MAUJE CHIKALTHANA DIST AURANGABAD MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
2441250
2441250
raw reading (for Abhijit)
{'grn': 'MH011359557202627E', 'pin': '431001', 'total': 19550, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100500241', 'district': 'CHHATRAPATI SAMBHAJINAGAR', 'area_city': 'AURANGABAD', 'payer_pan': 'HOSXXXXXXE', 'flat_block': 'PLOT NO 3 B PART ABC GRAND 40 GUT NO', 'payer_name': 'ARUNA VILAS KARPE', 'sro_office': 'CSN2_JT SUB REGI CH_SAMBHAJINAGAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2441250', 'scheme_rows': [{'amount': 7330, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 12220, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3112', 'payment_date': '05/10/2026-11:59:30', 'road_locality': '374 P MAUJE CHIKALTHANA DIST AURANGABAD MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2441250'}Technical record (for Abhijit — safe to ignore)
| 13h ago | system:emails | email_shadowed:index2_chase | {'to': 'asmita.kulkarni@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/ARNG/0926/5210154) is paid and the case is ready for NOI e-filing. The only thing pending from your end is |
| 13h ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 4d ago | system:emails | email_shadowed:index2_chase | {'to': 'asmita.kulkarni@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/ARNG/0926/5210154) is paid and the case is ready for NOI e-filing. The only thing pending from your end is |
| 4d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 7d ago | system:emails | email_shadowed:index2_chase | {'to': 'asmita.kulkarni@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/ARNG/0926/5210154) is paid and the case is ready for NOI e-filing. The only thing pending from your end is |
| 8d ago | system:reconcile | challan_mismatch_kept | {'why': "judged again with today's rules — the difference is real; a person opens the challan", 'problems': ['stamp duty on the challan is 7330/12220 — the case works out Rs.4730', 'registration fee on the challan is 733 |
| 8d ago | system:learn | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Loan Amount', 'words': 'Loan Amount: the team typed 2441250 — no paper on th |
| 8d ago | system:learn | lesson456 | {'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '434465', 'lessons': [{'box': 'Stamp duty', 'words': 'Stamp duty: the team typ |
| 8d ago | system:extract | document_reread | {'now': ['challan'], 'was': ['challan'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'doc_id': '7e9279d4-19 |
| 8d ago | system:ingest | two_stamp_duty_challans | {'why': 'the IGR banking portal accepts ONE challan carrying both 0.3% and 0.5%, or one 0.3% for the WHOLE amount plus a separate 0.5% — two different 0.3% challans cannot be added. On a BT + top-up the 0.3% must be ONE |
| 8d ago | system:extract | challan_mismatch | {'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'problems': ['stamp duty on the challan is 7330/12220 — the case works out Rs.4730', 'registration fee on the challan is 7330/12220 — the case works out Rs.788 |
| 8d ago | system:extract | challan_extracted | {'grn': 'MH011359557202627E', 'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 19550} |
| 8d ago | system:learn | reading_error456 | {'box': 'Stamp duty', 'why': 'the team typed what this paper prints; this desk typed what no paper prints — this desk read the paper wrong; read again', 'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'ours': |
| 8d ago | system:ingest | challan_figures_differ | {'why': "the team's challan is the fact and the case is past the challan on it; its figures are not the case's arithmetic, so the loan amount must be settled by a person before the e-filing, which must carry the challan' |
| 8d ago | system:reconcile | challan_other_case_checked | {'why': "the same borrower's other loans do not carry this challan's figure", 'doc_id': '7e9279d4-1988-4046-98b8-3308e8c91044'} |
| 8d ago | system:ingest | 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': 'ARUNA VILAS KARPE E |
| 8d ago | system:extract | challan_mismatch | {'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'problems': ['stamp duty on the challan is 7330/12220 — the case works out Rs.4730', 'registration fee on the challan is 7330/12220 — the case works out Rs.788 |
| 8d ago | system:extract | challan_extracted | {'grn': 'MH011359557202627E', 'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 19550} |
| 8d ago | system:ingest | filing_waits_on_title_doc | {'was': 'VENDOR', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the |
| 8d ago | system:ingest | challan_found_on_case | {'was': 'CHALLAN_PENDING', 'why': 'a challan is on the case — it counts; a challan is on file; its amounts could not be read — check it by eye', 'file': 'ARUNA VILAS KARPE EchallanMH011359557202627E.pdf', 'kind': 'unread |
| 8d ago | copilot: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': |
| 8d 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': [{'by': 'papers', 'box': 'Property box 1', 'why': "The sanction letter prints |
| 8d ago | system:copilot | form_checked489 | {'ok': False, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 2, 'case_no': 'NOI-2026-03132'} |
| 8d ago | copilot | copilot_pick | {'why': "The source text mentions 'Aurangabad' as the taluka. The district is also Aurangabad. The options list 'CHHATRAPATI SAMBHAJINAGAR' which is the renamed 'Aurangabad' district and taluka. This is the co", 'field': |
| 8d ago | copilot | copilot_pick | {'why': "the portal calls AURANGABAD 'CHHATRAPATI SAMBHAJINAGAR'", 'field': 'District', 'value': '3101', 'method': 'alias', 'picked': 'CHHATRAPATI SAMBHAJINAGAR', 'wanted': 'AURANGABAD', 'why_audit': "EzDocs chose from t |
| 8d ago | system:extract | challan_boxes_by_rules | {'fp': '25b5de42f413a55f', 'why': 'EzDocs left a box empty', 'anew': 'first'} |
| 8d ago | ezdocs:reader | reader_mail_addition | {'fp': 'cc7ba8de0191e53b', 'add': {}, 'why': 'The mail does not describe a property. The paper describes a property in Aurangabad. The mail mentions Ch.Sambhajinagar, which is the same district as Aurangabad, but does no |
| 8d ago | system:reconcile | quoted_history_checked | {} |
| 8d ago | system:reconcile | extra_challan_scanned | {'found': 0} |
| 8d ago | ezdocs:reader | allotment_read | {'fp': 'fe7e76da1937b2ac', 'file': 'image001.jpg', 'asked': True, 'doc_id': 'fdd1509d-2163-4de9-bd89-478b637d2ec1', 'is_allotment_letter': False} |
Case diary the case’s history — what happened, newest day first
Papers
Challan papers in; e-filing papers pending
For the visit later: Index II copy / Title document
Money
₹21,400 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
Needs your eyes: Challan on file does not agree with the case. Open it before paying or sharing.
Today · 13 Oct2 things
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03132 | HOU/ARNG/0926/5210154
An old draft withdrew itself — its asks were already answered
9 Oct2 things — 1 letter written · 1 step
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03132 | HOU/ARNG/0926/5210154
An old draft withdrew itself — its asks were already answered
6 Oct1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03132 | HOU/ARNG/0926/5210154
5 Oct63 things — 3 documents received · 3 letters written · 1 money step · 4 cautions · 52 steps
Judged again with today's rules, the challan still does not match the case — a person opens it
A file was read again from the start — everything inside it now counts
TWO 0.3% challans on this case — the portal takes only one; the 0.3% must be a single challan for the whole amount
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
reading error456
The challan on the case was paid on another loan figure — it counts, and the loan amount is to be settled before the e-filing
Checked: this challan is not another case's
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
Received: Challan
ARUNA VILAS KARPE EchallanMH011359557202627E.pdf
copilot edit — by copilot:SANDEEP
copilot check issues — by copilot
form checked489
copilot pick — by copilot
copilot pick — by copilot
challan boxes by rules
reader mail addition — by ezdocs:reader
quoted history checked
extra challan scanned
allotment read — by ezdocs:reader
The home address was read off the papers — by ezdocs:reader
property self check
EzDocs read the whole trail as one conversation — where the case stands is on the page
file note490
case read — by ezdocs:reader
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
FW: PFA & Pls help for challan &NOI for the mentioned case. ARUNA VILAS KARPE HOU/ARNG/0926/5210154 & NHL/ARNG
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.
receivable snapshot
The payment proof already on the case was applied
boxes gathered
challan boxes by rules
property attrs split
documents read together
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
Payment proof arrived before the case was quoted — held
money settled — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
roles from letter
sanction handwritten
Sanction letter read from inside a bundle — the loan amount and LAN taken from there
boxes gathered
pages trimmed480
Co-applicant added
card mobile not taken
kyc address read
Nothing new to ask for — stayed quiet
money settled — by ezdocs:reader
money not settled
mortgage date unclear
case read started — by ezdocs:reader
motd secured amount
Received: MOTD
aruna karpe.pdf
Received: other
image001.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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