⚠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.
Santosh Sawalaram Sapkal
LAN HOU/PUN/0926/5232928Loan ₹3,78,00,000NOI SHORT ₹4,350.97File on IGRMails & papers 5 2 new 1 draft to send
Correct a detail
Payment seen with your own eyes
A note for the history
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
yesterday 14:02
Documents
done yesterday 14:04
Payment
took 1h 20m
Challan
done yesterday 15:25 · GRAS ↗
Filing
in the tray 1d 8h · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
our moveChallan paidwhole case so far 1d 9h
Needs your eyes6
Payment SHORT by ₹4,350.97 (₹1,25,880 of ₹1,30,230.97).
Money received is short — ₹4,350.97 still to come.
Challan on file does not agree with the case. Open it before paying or sharing.
Bank under-collected — money at risk — see Money.
The work is done — our fee of ₹1,30,230.97 is still not in our account. Chase the branch for it.
1 difference(s) between the papers to look at once — none stops the challan. See them →
NEXT STEPour move
File the NOI on the IGR site
The challan is paid. The co-pilot fills the portal from the case; you check and submit.
Before opening the portal, the engine sees:
• DO NOT SAVE — the loan: the paid challan (₹1,24,090, GRN MH011826380202627E) was worked on a loan of ₹3,63,58,335–₹3,63,61,668; this case holds ₹3,78,00,000, 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.
• payment NOT verified — office rule: no filing before credit
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• 17 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road
• Payment page: NO paid challan on this case fits its loan of 3,78,00,000 — GRN MH011826380202627E pays 1,09,090 + 15,000 (that is a loan of about 3,63,63,000): another customer's challan, or the loan on the file is wrong. The GRN, the amount and the date are left for a person.
• challan paid-date not on file — it is printed on the challan
How — one e-filing tab, the co-pilot fills
Press the button; 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. Not logged in yet today? open the portal. The co-pilot creates the token from the Date of Mortgage, opens each page and fills it, checked by EzDocs; you check, do photo and thumb, press each Save and the final submit. Then press Filed on IGR so the branch hears it. New to it? Rehearse on the practice copy.
The challan was paid on another loan figure. The file adds up to ₹1,24,090; it reads: ₹1,09,090 (stamp-duty head), ₹15,000 (registration head); this case’s figures say ₹1,28,410 (0.3% ₹1,13,410 + 0.5% ₹15,000 on a loan of ₹3,78,00,000); the challan itself says a loan of ₹3,63,60,000. the case's figure is the sanction letter's total with insurance. No sanction letter on this file prints ₹3,63,58,335–₹3,63,61,668, 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.
Historywhat happened on this case, newest first
Today · 13 Oct1 thing
The pay link from the fee mail was opened — on the record only; it ties no money — by bank-pay:pnb_hfl
Yesterday · 12 Oct87 things — 12 documents received · 4 letters written · 2 money steps · 5 cautions · 64 steps
Judged again with today's rules, the challan still does not match the case — a person opens it
Checked: this challan is not another case's
kyc address missing
desk documents backfill
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
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
An old draft withdrew itself — its asks were already answered
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
Received: Challan
SAPKAL SANTOSH SAWALARAM EchallanMH011826380202627E.pdf
copilot edit — by copilot:DARBAR
copilot check ok — by copilot
form checked489
copilot pick — by copilot
money check hold — by copilot
challan boxes composed
reader mail addition — by ezdocs:reader
extra challan scanned
A mail waiting for Send was put right to what is true now
file note490
mail against file490 — by ezdocs:reader
documents read together
Selfie checked — a live one
A real selfie — usable for the e-filing.
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
PHOTO-2026-10-12-14-10-43.jpg
Received: Selfie
PHOTO-2026-10-12-14-03-35.jpg
property self check
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
claim part duplicate
The home address was read off the papers — by ezdocs:reader
file note490
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
Nothing new to ask for — stayed quiet
boxes gathered
address compared
challan boxes by rules
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03410
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03410
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.
A second credit was added to the first
Two credits for one case — added up, the sum is judged.
receivable snapshot
property numbers completed
documents read together
The file seems to show a payment to us but no row could be read — open it
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.
receivable snapshot
The payment proof already on the case was applied
The branch's own fee working disagrees with the law
Property read from the legal / technical report (the sanction letter had none)
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
money settled — by ezdocs:reader
Co-applicant added
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Received: PAN card
CO APP PAN - ANKITA SAPKAL.pdf
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
roles from letter
The loan base was corrected to the sanction letter's with-insurance total — every figure re-worked itself
Every fee figure re-worked itself on the new base.
Received: other
image001.png
Received: Aadhaar
APP ADHAAR - SANTOSH SAPKAL.pdf
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Received: PAN card
APP PAN - SANTOSH SAPKAL.pdf
Co-applicant added
card mobile not taken
kyc address read
Received: Sanction letter
PHOTO-2026-10-12-13-58-35.jpg
credit seen before bill
Payment proof arrived before the case was quoted — held
credit seen before bill
Payment proof arrived before the case was quoted — held
Received: Sale deed
DRAFT DEED OF ASSIGNMENT.pdf
Received: Aadhaar
CO APP ADHAAR - ANKITA SAPKAL.pdf
Received: Payment screenshot
PHOTO-2026-10-12-13-56-22.jpg
Received: Payment screenshot
PHOTO-2026-10-12-14-00-03.jpg
quoted history checked
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.
What the e-filing still needs1 still to come
8 of 9 in hand · the challan is done — these are for the filing / KYC
✓Aadhaar cardopen
✓Sale deedopen
✓Sanction letteropen
✓PAN cardopen
✓Selfie / photoopen
✓Paid challan (GRAS)open
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Mails & papers →every paper, beside its mail · 12 files
The file, as the engine remembers it10 open
The file contains a sanction letter from PNB Housing Finance Ltd for a loan of Rs. 3,63,60,000 including insurance, naming Santosh Sawalaram Sapkal as applicant and Ankita Santosh Sapkal as co-applicant. The property is Twin House No. 4, Sandon House, Epsom and Sandon House, Clover Village 1, Pune.
○Ankita Santosh Sapkal — mobile — the branch
○Ankita Santosh Sapkal — e-mail — the branch
○ANKITA M SHARMA — mobile — the branch
○ANKITA M SHARMA — e-mail — the branch
○ANKITA M SHARMA — home building — the branch
○ANKITA M SHARMA — home flat — the branch
○ANKITA M SHARMA — home road — the branch
○ANKITA M SHARMA — home PIN — the branch
○ANKITA M SHARMA — home village / city — the branch
○the balance of this desk's fee — the branch
?the papers disagree on PAN card name vs Sanction letter name for co-applicant (sanction letter: ANKITA SANTOSH SAPKAL; PAN card: ANKITA M SHARMA) — Use ANKITA M SHARMA for official portal entries as per her PAN card.
the branch's last mail (2026-10-12): The branch is asking for the MOE + NOI Challan for a specific case and has attached applicant photos. · brought: the photo · settled: paper:selfie
read once, kept; every new mail and paper is read against this note · kept 2026-10-12T09:27 UTC
Moneyless money came
₹1,30,230.97₹1,25,880 received
₹4,350.97 of our ask has not arrived yet.
The money may already be here — 1 credit(s) our bank showed us that no case has taken
Check the amount, the minute and the payer before you press — your name goes on it.
The working
Stamp duty 0.3%1,13,410
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for1,30,230.97
By law ₹1,30,220. We ask ₹1,30,230 (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.
Propertynot verified yet
4, Ground, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS, 1398TO1402, WANOWRI, 411040
read from the sanction letter · e-filing boxes 48 of 58 ready
Check the property →the boxes beside the paper
People
ANKITA M SHARMA · co-applicantBALPS2047BAnkita Santosh Sapkal · co-applicantBALPS2047BSAPKAL SANTOSH SAWALARAM · applicantAPSPS5748A
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