Cases / NOI-2026-03410

Santosh Sawalaram Sapkal

LAN HOU/PUN/0926/5232928 Challan paid · our move SHORT ₹4,350.97 File on IGR All documents Mails & papers 5

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs1 still to come

8 of 9 in hand.
the challan is done — these are for the IGR filing / KYC

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.

✓Payment screenshot — SHORT ₹4,350.97 (shows ₹1,25,880 of ₹1,30,230.97)open

✓Aadhaar cardopen

✓Sale deedopen

✓Sanction letteropen

✓PAN cardopen

✓Selfie / photoopen

✓Paid challan (GRAS)open

✓LSR (search report) — inside DRAFT DEED OF ASSIGNMENT.pdfopen

Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.

All files (12)A label is wrong? Fix it under All documents.

For you to check

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 Facts.
The work is done — our fee of ₹1,30,230.97 is still not in our account. Chase the branch for it.

MoneyLess money came

₹1,25,880of ₹1,30,230.97CASE MARK

₹4,350.97 of our ask has not arrived yet.

₹1,25,880 receivedthe receipt's amount and minute agree

The branch sent 2 receipts — 2 of 2 have reached our account:

✓₹25,880seen in our account · 12 Oct 13:59 · by its UTR8513808471

✓₹1,00,000seen in our account · 12 Oct 13:56 · by its UTR8513805996

Ask for the exact ₹1,30,230.97. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%1,13,410

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.97

Total we ask for1,30,230.97

Screenshot ₹1,25,880. Case needs ₹1,30,230.97. SHORT by ₹4,350.97. Ask the branch for the balance.

why?

A screenshot is the branch's claim, not money seen — and this claim is short of what the case needs. It is ₹4,320 below the real calculation of ₹1,30,200 (government + DHC + our fee) — so it is short whatever the buffer. The NOI team's 'short amount' letter asks for the balance with the table.

paid 12 Oct 13:59:26

How we know

Our own bank told us — 12 Oct 13:59

₹25,880 · UTR 628513808471 · from BP-HDFCBN-S

“Successful! You have received Rs. 25880.00 via HDFC Bank SmartHub Vyapar from SAPKAL CON. RRN-628513808471, Check: https://1.hdfc.bank.in/HDFCBK/s/M4g3wnEK”

Matched by: the screenshot's amount AND its minute agree with this credit · one of several parts

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.

Bank's table ₹1,25,880 — ₹4,350.97 under our ask: the branch's working is short (see Facts).

BANK UNDER-COLLECTED — money at risk

Bank table ₹1,25,880. Case needs ₹1,30,230. SHORT by ₹4,350. Do NOT accept ₹1,25,880 — ask the branch for ₹1,30,230.

why?

The branch is asking the borrower for Rs.1,25,880 where the duty and fees come to Rs.1,30,220 — Rs.4,340 short. Collect Rs.1,30,220; a short challan is refused at the SRO counter.

the branch's own words

The branch's mail said: total payable: bank says Rs.125,880, computed Rs.130,220 (difference Rs.-4,340)

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 24 minour time · 12 Oct 15:18

Index II —not yet

the NOI team 3 d 2 hthe branch 52 mintotal 3 d 3 h so far

Now with the NOI team — e-filing on IGR

since 12 Oct 15:18 — 3 d 2 h of working time

Day by day — every step and who held it

12 Oct 14:02Your branch's mail

12 Oct 14:02Payment landedat once

12 Oct 14:03Fee quoted+2 min · the NOI team

12 Oct 14:03Papers readat once

12 Oct 14:03Property readat once

12 Oct 14:03Papers readat once

12 Oct 14:56Papers from your branch+52 min · the branch

12 Oct 14:57Papers read+1 min · the NOI team

12 Oct 15:18Challan made+21 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹3,78,00,000

Loan account no.

HOU/PUN/0926/5232928

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

File the NOI on the IGR site

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.

Before opening the portal, EzDocs 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

• Ankita Santosh Sapkal is on the case twice (two rows, the same PAN) — one Mortgagor page is typed for them; the rows are one person

• 17 property box(es) not from the Index II / worked out / unsure — shown in orange 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.

New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

CHECKPAN card name vs Sanction letter name for co-applicant

Sanction letter	ANKITA SANTOSH SAPKAL
PAN card	ANKITA M SHARMA

Why it matters: The PAN card spells the co-applicant's name as ANKITA M SHARMA while the sanction letter spells it as ANKITA SANTOSH SAPKAL. The PAN card spelling is used for challan and e-filing.

What to do: Use ANKITA M SHARMA for official portal entries as per her PAN card.

Compared: the sanction letter, the legal report (TSR); and EzDocs (reading the whole file). Nothing here is typed or changed by itself.

Where this case stands — the whole trailEzDocs has not read this trail yet — the regular check reads every case whose mails grew, a few at a time

Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail

1Pay the challan on GRAS, then upload it hereDONE

Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.

✗ EzDocs found boxes that do NOT agree with the document (3d 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
#1 principal	MH011826380202627E	—	pending

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 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

SG shubham.gaikwad@pnbhousing.com pnbhousing.com
12 Oct, 14:02 · 3d ago THE FIRST MAIL — how this case began

Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

📎 PHOTO-2026-10-12-14-00-03.jpg ↗📎 PHOTO-2026-10-12-13-56-22.jpg ↗📎 CO APP ADHAAR - ANKITA SAPKAL.pdf ↗📎 DRAFT DEED OF ASSIGNMENT.pdf ↗📎 PHOTO-2026-10-12-13-58-35.jpg ↗📎 APP PAN - SANTOSH SAPKAL.pdf ↗📎 APP ADHAAR - SANTOSH SAPKAL.pdf ↗📎 image001.png ↗📎 CO APP PAN - ANKITA SAPKAL.pdf ↗

Dear Team,

Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

NOI Charges & Service Fees Calculator - Nestly.in

Loan amount₹3,63,60,000

Stamp duty 0.30%₹1,09,080

Registration fee 0.50%₹15,000

DHC₹300

Documents required for NOI Filing

Remark

Loan sanction letter✓ Attached

Index 2/ Draft✓ Attached

Aadhar copy of the applicant/s✓ Attached

PAN copy of the applicant/s✓ Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.✓ Attached

Payment details screenshot with Transaction ID & Date of payment mentioned✓ Attached

Challan Date:- 12/10/2026

NOI Govt Fees300

Nestly.in

Service Fees for NOI Filling1500

1500.00

Total Amount to be Paid to Nestly.in for NOI125880.00

THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
 [cid:image001.png@01DD5A52.0ECB5E50]




Internal

🤖 read: asks for the challan, a payment receipt; documents attached; note: The branch has attached documents and provided a breakdown of fees, but has not confirmed payment or provided a UTR. — “Loan Amount Including Insurance 3,63,60,000”

2 more mails in between — open

OL The NOI teamTYPED IN GMAIL
12 Oct, 14:29 · 3d ago

Team,

We acknowledge the receipt of your mail documents and payment. We will

initiate the challan for the same. For NOI filing, We need an index 2 copy

and a colour live selfie photo of the applicants..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Mon, 12 Oct 2026 at 14:03, Shubham Gaikwad <
shubham.gaikwad@pnbhousing.com> wrote:

Dear Team,

Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM
SAPKAL - HOU/PUN/0926/5232928.

*Documents required for NOI Filing*

Remark

Loan sanction letter

*Attached*

Index 2/ Draft

*Attached*

Aadhar copy of the applicant/s

*Attached*

PAN copy of the applicant/s

*Attached*

Form A2 with Photograph of applicant/s affixed or Passport size
photographs scan copy.

*Attached*

Payment details screenshot with Transaction ID & Date of payment mentioned

*Attached*

*Challan Date:- 12/10/2026*

*NOI Charges & Service Fees Calculator - Nestly.in*

*Loan Amount Including Insurance*

3,63,60,000

NOI Govt Fees

Stamp Duty

0.30%

109080.00

Registration Fees

0.50%

15000.00

Document Handling Charges

300

300

Nestly.in

Service Fees for NOI Filling

1500

1500.00

*Total Amount to be Paid to Nestly.in for NOI*

*125880.00*

THANKS & REGARDS,

SHUBHAM GAIKWAD

AREA SALES MANAGER

MOB-8237335213

Internal

🤖 read: asks the branch for documents, a clarification — “We acknowledge the receipt of your mail documents and payment.”

SG shubham.gaikwad@pnbhousing.com pnbhousing.com
12 Oct, 14:56 · 3d ago

📎 PHOTO-2026-10-12-14-03-35.jpg ↗📎 PHOTO-2026-10-12-14-10-43.jpg ↗

Dear Team,

Please find attached colour photos of applicants

THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
 [cid:image001.png@01DD5A59.E1148330]




Internal

earlier mails quoted below

From: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Sent: 12 October 2026 2:29 PM
To: Shubham Gaikwad <shubham.gaikwad@pnbhousing.com>
Cc: Yogesh Date <yogesh.date@pnbhousing.com>; Santosh Gujar <santosh.gujar@pnbhousing.com>; Vishal Patil <vishal.patil@pnbhousing.com>; Ganesh Manohar Lande <ganesh.lande@phfl.com>; Rakesh Gange <rakesh.gange@pnbhousing.com>; Ankush Dhote <ankush.dhote@pnbhousing.com>; Jaspreet Singh 3 <jaspreet.singh3@pnbhousing.com>
Subject: Re: Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

 Exercise Secured by Check Point

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 and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

On Mon, 12 Oct 2026 at 14:03, Shubham Gaikwad <shubham.gaikwad@pnbhousing.com<mailto:shubham.gaikwad@pnbhousing.com>> wrote:

Dear Team,

Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

Documents required for NOI Filing

Remark

Loan sanction letter

Attached

Index 2/ Draft

Attached

Aadhar copy of the applicant/s

Attached

PAN copy of the applicant/s

Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.

Attached

Payment details screenshot with Transaction ID & Date of payment mentioned

Attached

Challan Date:- 12/10/2026

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance
3,63,60,000

NOI Govt Fees
Stamp Duty
0.30%
109080.00

Registration Fees
0.50%
15000.00

Document Handling Charges
300
300

Nestly.in
Service Fees for NOI Filling
1500
1500.00

Total Amount to be Paid to Nestly.in for NOI
125880.00

THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
 [cid:image001.png@01DD5A59.E1148330]

Internal

🤖 read: asks for the challan, the fee / a quote; documents attached

OL The NOI teamTYPED IN GMAIL
12 Oct, 15:22 · 3d ago

📎 SAPKAL SANTOSH SAWALARAM EchallanMH0118263 ↗

Team,

PFA challan for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Mon, 12 Oct 2026 at 14:57, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:

Dear Team,

Please find attached colour photos of applicants

THANKS & REGARDS,

SHUBHAM GAIKWAD

AREA SALES MANAGER

MOB-8237335213

Internal

From: THINKBIGZ NOI < pnb.noifilling@gmail.com >

Sent: 12 October 2026 2:29 PM

To: Shubham Gaikwad < shubham.gaikwad@pnbhousing.com >

Cc: Yogesh Date < yogesh.date@pnbhousing.com >; Santosh Gujar < santosh.gujar@pnbhousing.com >; Vishal Patil < vishal.patil@pnbhousing.com >; Ganesh Manohar Lande < ganesh.lande@phfl.com >; Rakesh Gange < rakesh.gange@pnbhousing.com >; Ankush Dhote < ankush.dhote@pnbhousing.com >;
Jaspreet Singh 3 < jaspreet.singh3@pnbhousing.com >

Subject: Re: Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

 Exercise Secured by Check Point

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
and a colour live selfie photo of the applicants..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Mon, 12 Oct 2026 at 14:03, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:

Dear Team,

Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

Documents required for NOI Filing

Remark

Loan sanction letter

Attached

Index 2/ Draft

Attached

Aadhar copy of the applicant/s

Attached

PAN copy of the applicant/s

Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.

Attached

Payment details screenshot with Transaction ID & Date of payment mentioned

Attached

Challan Date:- 12/10/2026

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance

3,63,60,000

NOI Govt Fees

Stamp Duty

0.30%

109080.00

Registration Fees

0.50%

15000.00

Document Handling Charges

300

300

Nestly.in

Service Fees for NOI Filling

1500

1500.00

Total Amount to be Paid to Nestly.in for NOI

125880.00

THANKS & REGARDS,

SHUBHAM GAIKWAD

AREA SALES MANAGER

MOB-8237335213

Internal

🤖 read: challan shared ✓ — “PFA challan for your reference..”

OL The NOI teamTYPED IN GMAIL
12 Oct, 15:22 · 3d ago

Team,

PFA challan for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Mon, 12 Oct 2026 at 14:57, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:

Dear Team,

Please find attached colour photos of applicants

THANKS & REGARDS,

SHUBHAM GAIKWAD

AREA SALES MANAGER

MOB-8237335213

Internal

From: THINKBIGZ NOI < pnb.noifilling@gmail.com >

Sent: 12 October 2026 2:29 PM

To: Shubham Gaikwad < shubham.gaikwad@pnbhousing.com >

Cc: Yogesh Date < yogesh.date@pnbhousing.com >; Santosh Gujar < santosh.gujar@pnbhousing.com >; Vishal Patil < vishal.patil@pnbhousing.com >; Ganesh Manohar Lande < ganesh.lande@phfl.com >; Rakesh Gange < rakesh.gange@pnbhousing.com >; Ankush Dhote < ankush.dhote@pnbhousing.com >;
Jaspreet Singh 3 < jaspreet.singh3@pnbhousing.com >

Subject: Re: Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

 Exercise Secured by Check Point

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
and a colour live selfie photo of the applicants..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Mon, 12 Oct 2026 at 14:03, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:

Dear Team,

Kindly provide MOE + NOI Challan in captioned case SANTOSH SAWALARAM SAPKAL - HOU/PUN/0926/5232928.

Documents required for NOI Filing

Remark

Loan sanction letter

Attached

Index 2/ Draft

Attached

Aadhar copy of the applicant/s

Attached

PAN copy of the applicant/s

Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.

Attached

Payment details screenshot with Transaction ID & Date of payment mentioned

Attached

Challan Date:- 12/10/2026

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance

3,63,60,000

NOI Govt Fees

Stamp Duty

0.30%

109080.00

Registration Fees

0.50%

15000.00

Document Handling Charges

300

300

Nestly.in

Service Fees for NOI Filling

1500

1500.00

Total Amount to be Paid to Nestly.in for NOI

125880.00

THANKS & REGARDS,

SHUBHAM GAIKWAD

AREA SALES MANAGER

MOB-8237335213

Internal

🤖 read: challan shared ✓ — “PFA challan for your reference..”

Every file the branch sent, and what EzDocs read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.

Document	File — click to open	Status	When
Payment screenshot	PHOTO-2026-10-12-14-00-03.jpg	filed	3d ago
Payment screenshot	PHOTO-2026-10-12-13-56-22.jpg	filed	3d ago
Aadhaar card+ PAN card inside	CO APP ADHAAR - ANKITA SAPKAL.pdf	filed	3d ago
Sale deed+ LSR (search report) inside	DRAFT DEED OF ASSIGNMENT.pdf	filed	3d ago
Sanction letter	PHOTO-2026-10-12-13-58-35.jpg	filed	3d ago
PAN card	APP PAN - SANTOSH SAPKAL.pdf	filed	3d ago
Aadhaar card+ PAN card inside	APP ADHAAR - SANTOSH SAPKAL.pdf	filed	3d ago
Other	image001.png	filed	3d ago
PAN card	CO APP PAN - ANKITA SAPKAL.pdf	filed	3d ago
Selfie / photo	PHOTO-2026-10-12-14-03-35.jpg	filed	3d ago
Selfie / photo	PHOTO-2026-10-12-14-10-43.jpg	filed	3d ago
Paid challan (GRAS)	SAPKAL SANTOSH SAWALARAM EchallanMH011826380202627E.pdf	filed	3d 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
₹1,30,230.97

Where it stands
SHORT — less arrived than needed

Screenshot claims
₹1,25,880 628513805996,628513808471

Screenshot ₹1,25,880. Case needs ₹1,30,230.97. SHORT by ₹4,350.97. Ask the branch for the balance.

why?

Paid at
12 Oct 13:59:26

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹1,13,410	₹15,000	₹320	₹1,500	₹1,30,230

By law ₹1,30,220. We ask ₹1,30,230 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

48 of 58 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Title deed no / year / SRO, Mobile (person 1), E-mail (person 1), Floor (person 1), Road (person 1) …

29 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …

✗ EzDocs found boxes that do NOT agree with the document (3d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (PHOTO-2026-10-12-13-58-35.jpg) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

✓ in the document

Flat / shop no

✓ in the document

Floor

⚠ not in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

Area (sq.mt, carpet)

⚠ not in the document

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

TWIN HOUSE NO. 4, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS NO. – 1398TO1402, SRNO. 67, WANOWRI, Pune, Pune, MAHARASHTRA, India, 411040

saving a change clears verification until someone verifies again

The property, paper by paper side by side, the main paper first

the sanction letter BASE — the challan follows this

PHOTO-2026-10-12-13-58-35.jpg

as printed
TWIN HOUSE NO. 4, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS NO. – 1398TO1402, SRNO. 67, WANOWRI, PUNE, PUNE, MAHARASHTRA, INDIA, 411040

PIN
411040

the legal report (TSR)

DRAFT DEED OF ASSIGNMENT.pdf

Property Address line
TWIN HOUSE NO. 4, SANDOWN HOUSE, CLOVER VILLAGE PHASE I, WANWADI, PUNE

Legal Address line
TWIN HOUSE NO. 4 ADMEASURING AN AREA OF 218.31 SQ. MTRS. BUILT UP, WITH RIGHT TO CAR PORT OF 18.50 SQ.MTRS APPROX. AND WITH RIGHT TO APPURTENANT OPEN SPACE OF 1700 SQ,MTRS AT THE GROUND FLOOR/GROUND LEVEL AND FROM THE BUILDING NAMED AS “SANDOWN HOUSE”, FROM THE PROJECT NAMELY “CLOVER VILLAGE PHASE I ” AND WHICH IS STANDING IN AND UPON THE PROPERTY DESCRIBED IN THE SCHEDULE (II) WRITTEN HEREUNDER

THE CHALLAN, as it will be typed

Flat/Survey Number
TWIN HOUSE NO 4 SANDON HOUSE EPSOM AND SANDON HOUSE CTS NO 1398TO1402 SRNO 67 WANOWRI

Locality/Road
CLOVER VILLAGE 1

Area/City
PUNE

check or correct a box, the papers beside it →

the legal report (TSR) also prints: 1700, 18, 218, 31, 50, AN, APPURTENANT, CAR, FLOOR/GROUND, II, LEVEL, NAMED, NAMELY, PORT, PROJECT

Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.

Parties

Role	Name	PAN	Aadhaar
co_mortgagor	ANKITA M SHARMA	BALPS2047B
co_mortgagor	Ankita Santosh Sapkal	BALPS2047B	…3942
mortgagor	SAPKAL SANTOSH SAWALARAM	APSPS5748A	…4220

All mail records (for Abhijit — safe to ignore)

Template	To	When
fee quote	shubham.gaikwad@pnbhousing.com	3d ago
document chase	shubham.gaikwad@pnbhousing.com	3d ago

What EzDocs read from each document — check anything marked in red

Payment screenshot PHOTO-2026-10-12-14-00-03.jpg needs your check

utr
628513808471

date
2026-10-12

time
13:59

amount
25880

payee upi
Vyapar.169705262080@hdfcbank

payer upi
santosh.sapkal..@kotak

payee name
Think Bigz Initiative Pvt Ltd

payer name
Sapkal Construction

raw reading (for Abhijit)

{'utr': '628513808471', 'date': '2026-10-12', 'time': '13:59', 'amount': 25880, 'method': None, 'payee_upi': 'Vyapar.169705262080@hdfcbank', 'payer_upi': 'santosh.sapkal..@kotak', 'payee_name': 'Think Bigz Initiative Pvt Ltd', 'payer_name': 'Sapkal Construction', 'debit_notification_text': None}

Payment screenshot PHOTO-2026-10-12-13-56-22.jpg needs your check

utr
628513805996

date
2026-10-12

time
13:56

amount
100000

payee upi
Vyapar.169705262080@hdfcbank

payer upi
santosh.sapkal..@kotak

payee name
Think Bigz Initiative Pvt Ltd

payer name
Santosh Sawalaram Sapkal

raw reading (for Abhijit)

{'utr': '628513805996', 'date': '2026-10-12', 'time': '13:56', 'amount': 100000, 'method': None, 'payee_upi': 'Vyapar.169705262080@hdfcbank', 'payer_upi': 'santosh.sapkal..@kotak', 'payee_name': 'Think Bigz Initiative Pvt Ltd', 'payer_name': 'Santosh Sawalaram Sapkal', 'debit_notification_text': None}

Aadhaar card CO APP ADHAAR - ANKITA SAPKAL.pdf needs your check

dob
1984-07-25

name
Ankita Santosh Sapkal

mobile
8007659393

address
pin: 411040; area: Wanwadi; flat: Row House No-6; state: Maharashtra; building: Good Wood Terrace, Colver Village Phase 2; district: Pune; post_office: Wanowarie; Village: Pune City

legible
True

aadhaar last4
3942

raw reading (for Abhijit)

{'dob': '1984-07-25', 'pan': None, 'name': 'Ankita Santosh Sapkal', 'mobile': '8007659393', 'address': {'pin': '411040', 'area': 'Wanwadi', 'flat': 'Row House No-6', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Good Wood Terrace, Colver Village Phase 2', 'district': 'Pune', 'post_office': 'Wanowarie', 'village_city': 'Pune City'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3942', 'quality_issue': None}

Aadhaar card CO APP ADHAAR - ANKITA SAPKAL.pdf needs your check

dob
1984-07-25

name
Ankita Santosh Sapkal

mobile
8007659393

address
pin: 411040; area: Wanwadi; flat: Row House No-6; road: Colver Village Phase 2; state: Maharashtra; building: Good Wood Terrace; district: Pune; post_office: Wanowarie; Village: Pune City

legible
True

aadhaar last4
3942

raw reading (for Abhijit)

{'dob': '1984-07-25', 'pan': None, 'name': 'Ankita Santosh Sapkal', 'mobile': '8007659393', 'address': {'pin': '411040', 'area': 'Wanwadi', 'flat': 'Row House No-6', 'road': 'Colver Village Phase 2', 'floor': None, 'state': 'Maharashtra', 'building': 'Good Wood Terrace', 'district': 'Pune', 'post_office': 'Wanowarie', 'village_city': 'Pune City'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3942', 'quality_issue': None}

PAN card APP PAN - SANTOSH SAPKAL.pdf needs your check

dob
1979-11-07

pan
APSPS5748A

name
SAPKAL SANTOSH SAWALARAM

legible
True

father name
SAWALARAM HARIBA SAPKAL

raw reading (for Abhijit)

{'dob': '1979-11-07', 'pan': 'APSPS5748A', 'name': 'SAPKAL SANTOSH SAWALARAM', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'SAWALARAM HARIBA SAPKAL', 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter PHOTO-2026-10-12-13-58-35.jpg needs your check

lan
HOU/PUN/0926/5232928

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'SANTOSH SAWALARAM SAPKAL', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'ANKITA SANTOSH SAPKAL', 'role': 'co_applicant', 'label': 'Applicant'}

confidence
1

rate words
13.15% per annum 13.15% -4.15% = 9.00% per annum as on the date of execution of the loan agreement

loan amount
36000000

rate spread
-4.15

final amount
37800000

interest rate
9

sanction date
09-Oct-2026

letter version
3

reference rate
13.15

applicant email
sapkalconstructions@gmail.com

applicant names
SANTOSH SAWALARAM SAPKAL, ANKITA SANTOSH SAPKAL

printed altered
False

applicant mobile
9850059393

balance transfer
False

property address
pin: 411040; state: MAHARASHTRA; Flat no: 4; district: Pune; Address: TWIN HOUSE NO. 4, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS NO. – 1398TO1402, SRNO. 67, WANOWRI, Pune, Pune, MAHARASHTRA, India,

insurance premium
1800000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
37800000

security address verbatim
TWIN HOUSE NO. 4, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS NO. – 1398TO1402, SRNO. 67, WANOWRI, Pune, Pune, MAHARASHTRA, India, 411040

applicant address verbatim
ROW HOUSE NO-6, GOOD WOOD TERRACE, COLVER VILLAGE PHASE 2,, WANWADI, ., Pune, MAHARASHTRA, 411040, Pune, India

raw reading (for Abhijit)

{'lan': 'HOU/PUN/0926/5232928', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'SANTOSH SAWALARAM SAPKAL', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'ANKITA SANTOSH SAPKAL', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': '13.15% per annum\n13.15% -4.15% = 9.00% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 36000000, 'rate_spread': -4.15, 'final_amount': 37800000, 'interest_rate': 9, 'quality_issue': None, 'sanction_date': '09-Oct-2026', 'letter_version': '3', 'reference_rate': 13.15, 'applicant_email': 'sapkalconstructions@gmail.com', 'applicant_names': ['SANTOSH SAWALARAM SAPKAL', 'ANKITA SANTOSH SAPKAL'], 'printed_altered': False, 'applicant_mobile': '9850059393', 'balance_transfer': False, 'property_address': {'pin': '411040', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '4', 'district': 'Pune', 'floor_no': None, 'landmark': None, 'full_address': 'TWIN HOUSE NO. 4, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS NO. – 1398TO1402, SRNO. 67, WANOWRI, Pune, Pune, MAHARASHTRA, India, 411040', 'village_city': 'WANOWRI', 'building_name': 'SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1', 'survey_or_cts_no': 'CTS NO. – 1398TO1402, SRNO. 67'}, 'insurance_premium': 1800000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 37800000, 'security_address_verbatim': 'TWIN HOUSE NO. 4, SANDON HOUSE, EPSOM & SANDON HOUSE, CLOVER VILLAGE 1, CTS NO. – 1398TO1402, SRNO. 67, WANOWRI, Pune, Pune, MAHARASHTRA, India, 411040', 'applicant_address_verbatim': 'ROW HOUSE NO-6, GOOD WOOD TERRACE, COLVER VILLAGE PHASE 2,, WANWADI, ., Pune, MAHARASHTRA, 411040, Pune, India'}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Aadhaar card APP ADHAAR - SANTOSH SAPKAL.pdf needs your check

dob
1979-11-07

name
Santosh Sawalaram Sapkal

mobile
9850059393

address
pin: 411040; area: Wanwadi; flat: Row House No-6; state: Maharashtra; building: Good Wood Terrace, Colver Village Phase 2; district: Pune; post_office: Wanowarie; Village: Pune City

legible
True

aadhaar last4
4220

raw reading (for Abhijit)

{'dob': '1979-11-07', 'pan': None, 'name': 'Santosh Sawalaram Sapkal', 'mobile': '9850059393', 'address': {'pin': '411040', 'area': 'Wanwadi', 'flat': 'Row House No-6', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Good Wood Terrace, Colver Village Phase 2', 'district': 'Pune', 'post_office': 'Wanowarie', 'village_city': 'Pune City'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '4220', 'quality_issue': None}

PAN card CO APP PAN - ANKITA SAPKAL.pdf needs your check

dob
1984-07-25

pan
BALPS2047B

name
ANKITA M SHARMA

legible
True

father name
MAHENDRA KAILASH SHARMA

raw reading (for Abhijit)

{'dob': '1984-07-25', 'pan': 'BALPS2047B', 'name': 'ANKITA M SHARMA', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'MAHENDRA KAILASH SHARMA', 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card APP ADHAAR - SANTOSH SAPKAL.pdf needs your check

dob
1979-11-07

name
Santosh Sawalaram Sapkal

mobile
9850059393

address
pin: 411040; area: Colver Village Phase 2, Wanwadi; flat: Row House No-6; state: Maharashtra; building: Good Wood Terrace; district: Pune; post_office: Wanowarie; Village: Pune City

legible
True

aadhaar last4
4220

raw reading (for Abhijit)

{'dob': '1979-11-07', 'pan': None, 'name': 'Santosh Sawalaram Sapkal', 'mobile': '9850059393', 'address': {'pin': '411040', 'area': 'Colver Village Phase 2, Wanwadi', 'flat': 'Row House No-6', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Good Wood Terrace', 'district': 'Pune', 'post_office': 'Wanowarie', 'village_city': 'Pune City'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '4220', 'quality_issue': None}

Sale deed DRAFT DEED OF ASSIGNMENT.pdf needs your check

found
True

found in
SCHEDULE (III) ABOVE REFERRED TO

area sq m
218.31

paper for
loan_ref: HOU/PUN/0926/5232928; customer_name: SHRI. SANTOSH SAVALARAM SAPKAL AND MRS. ANITA SANTOSH SAPKAL

confidence
0.95

reading486
property

address lines
taken: legal; legal_address: Twin House No. 4 admeasuring an area of 218.31 sq. mtrs. built up, with right to car port of 18.50 sq.mtrs approx. and with right to appurtenant open space of 1700 sq,mtrs at the Ground Floor

property address
state: Maharashtra; taluka: Haveli; Flat no: Twin House No. 4; district: Pune; Floor: Ground; landmark: Clover Village Phase I; Address: Twin House No. 4, Sandown House, Clover Village Phase I, Wanwadi, Haveli, P

security address verbatim
Twin House No. 4 admeasuring an area of 218.31 sq. mtrs. built up, with right to car port of 18.50 sq.mtrs approx. and with right to appurtenant open space of 1700 sq,mtrs at the Ground Floor/Ground Level and from the bu

raw reading (for Abhijit)

{'found': True, 'found_in': 'SCHEDULE (III) ABOVE REFERRED TO', 'area_sq_m': 218.31, 'paper_for': {'loan_ref': 'HOU/PUN/0926/5232928', 'report_id': None, 'customer_name': 'SHRI. SANTOSH SAVALARAM SAPKAL AND MRS. ANITA SANTOSH SAPKAL'}, 'pin_other': None, 'confidence': 0.95, '_reading486': 'property', 'address_lines': {'taken': 'legal', 'legal_address': 'Twin House No. 4 admeasuring an area of 218.31 sq. mtrs. built up, with right to car port of 18.50 sq.mtrs approx. and with right to appurtenant open space of 1700 sq,mtrs at the Ground Floor/Ground Level and from the building named as “SANDOWN HOUSE”, from the project namely “Clover Village Phase I ” and which is standing in and upon the property described in the Schedule (II) written hereunder', 'property_address': 'Twin House No. 4, Sandown House, Clover Village Phase I, Wanwadi, Pune'}, 'property_address': {'pin': None, 'road': None, 'state': 'Maharashtra', 'taluka': 'Haveli', 'flat_no': 'Twin House No. 4', 'district': 'Pune', 'floor_no': 'Ground', 'landmark': 'Clover Village Phase I', 'full_address': 'Twin House No. 4, Sandown House, Clover Village Phase I, Wanwadi, Haveli, Pune, Maharashtra', 'village_city': 'Wanwadi', 'building_name': 'SANDOWN HOUSE', 'survey_or_cts_no': 'S. No. 67/1, 67/2A, 66/1A, 66/1B, CTS Nos. 1398 to 1402'}, 'security_address_verbatim': 'Twin House No. 4 admeasuring an area of 218.31 sq. mtrs. built up, with right to car port of 18.50 sq.mtrs approx. and with right to appurtenant open space of 1700 sq,mtrs at the Ground Floor/Ground Level and from the building named as “SANDOWN HOUSE”, from the project namely “Clover Village Phase I ” and which is standing in and upon the property described in the Schedule (II) written hereunder, together with the shares, share certificate and the rights of membership of “Epsom and Sandown House Co Operative Housing Society”.'}

Sale deed DRAFT DEED OF ASSIGNMENT.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Payment screenshot PHOTO-2026-10-12-13-56-22.jpg needs your check

payments inside
payments: [{'utr': '628513805996', 'date': '2026-10-12', 'page': 1, 'time': '01:56', 'payee': 'Think Bigz Initiative Pvt Ltd', 'amount': 100000.0, 'direction': 'debit', 'narration': 'Vyapar.169705262080@hdfcbank', 'proof

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': '628513805996', 'date': '2026-10-12', 'page': 1, 'time': '01:56', 'payee': 'Think Bigz Initiative Pvt Ltd', 'amount': 100000.0, 'direction': 'debit', 'narration': 'Vyapar.169705262080@hdfcbank', 'proof_kind': 'success_screen'}]}}

Payment screenshot PHOTO-2026-10-12-14-00-03.jpg needs your check

payments inside
payments: [{'utr': '628513808471', 'date': '2026-10-12', 'page': 1, 'time': '13:59', 'payee': 'Think Bigz Initiative Pvt Ltd', 'amount': 25880.0, 'direction': 'credit', 'narration': 'Vyapar.169705262080@hdfcbank', 'proof

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': '628513808471', 'date': '2026-10-12', 'page': 1, 'time': '13:59', 'payee': 'Think Bigz Initiative Pvt Ltd', 'amount': 25880.0, 'direction': 'credit', 'narration': 'Vyapar.169705262080@hdfcbank', 'proof_kind': 'success_screen'}]}}

Selfie / photo PHOTO-2026-10-12-14-03-35.jpg needs your check

kind
live_selfie

legible
True

confidence
1

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1, 'face_visible': True, 'quality_issue': None}

Selfie / photo PHOTO-2026-10-12-14-10-43.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

Paid challan (GRAS) SAPKAL SANTOSH SAWALARAM EchallanMH011826380202627E.pdf needs your check

grn
MH011826380202627E

pin
411040

total
124090

article
6(1)

defaced
False

bank cin
03006172026101200876

district
PUNE

area city
WANWADI PUNE

payer pan
APSXXXXXXA

flat block
TWIN HOUSE NO 4 GROUND FLOOR

payer name
SAPKAL SANTOSH SAWALARAM

sro office
HVL11 HAVELI 11 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=36360000

scheme rows
{'amount': 109090, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX9393

payment date
12/10/2026-15:18:19

road locality
SANDOWN HOUSE CLOVER VILLAGE PHASE I EPSOM AND SANDOWN HOUSE CO OPERATIVE HOUSING SOCIETY S NO 67/1 67/2A CTS NO 1398 TO 1402 VILLAGE

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
36360000

raw reading (for Abhijit)

{'grn': 'MH011826380202627E', 'pin': '411040', 'total': 124090, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101200876', 'district': 'PUNE', 'area_city': 'WANWADI PUNE', 'payer_pan': 'APSXXXXXXA', 'flat_block': 'TWIN HOUSE NO 4 GROUND FLOOR', 'payer_name': 'SAPKAL SANTOSH SAWALARAM', 'sro_office': 'HVL11 HAVELI 11 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=36360000', 'scheme_rows': [{'amount': 109090, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX9393', 'payment_date': '12/10/2026-15:18:19', 'road_locality': 'SANDOWN HOUSE CLOVER VILLAGE PHASE I EPSOM AND SANDOWN HOUSE CO OPERATIVE HOUSING SOCIETY S NO 67/1 67/2A CTS NO 1398 TO 1402 VILLAGE', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '36360000'}

Technical record (for Abhijit — safe to ignore)

1h ago	EzDocs	reader_efiling_verdict	{'fp': 'beba8f428a4a2c68', 'asked': True, 'findings': [{'do': 'Ask the branch for the MOTD or the mortgage date.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is a required field and is missing from the paper
2h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 12 Oct, 14:29 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']}
1d ago	the branch (pay link)	payment_page_opened	{'ua': 'Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +c', 'why': "someone opened the pay link from the NOI team's mail — on the record only; it ties no money", 'amount': 4350.970000000001
3d ago	EzDocs	challan_mismatch_kept	{'why': "checked again with today's rules — the difference is real; a person opens the challan", 'problems': ['consideration (CA) on the challan Rs.36360000 — the loan amount is Rs.37800000']}
3d ago	EzDocs	challan_other_case_checked	{'why': "the same borrower's other loans do not carry this challan's figure", 'doc_id': '9b86eae3-16ac-42ed-96e0-44cf1a493780'}
3d 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': 'ANKITA M SHARMA', 'party_id': '5cc8dcbd-4907-456c-ba51-
3d ago	EzDocs	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 took 36360000 from the branch'
3d 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': 0, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re:
3d 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': 'DRAFT DEED OF ASSIGNMENT.pdf', 'kind': 'sale_deed'}
3d ago	EzDocs	challan_found_on_case	{'was': 'AWAITING_PAYMENT', 'why': "a challan is on the case — it counts; the challan file adds up to Rs.124090 but this case's figures say Rs.128410 (0.3% Rs.113410 + 0.5% Rs.15000) — the challan was paid on a loan of R
3d ago	EzDocs	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'
3d 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: HOU/PUN/0926/5232
3d 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': 'SAPKAL SANTOSH SAWA
3d ago	EzDocs	sro_office_learned	{'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'HVL11 HAVELI 11 JOINT SUB REGISTRAR', 'district': 'PUNE'}
3d ago	EzDocs	challan_mismatch	{'file': 'SAPKAL SANTOSH SAWALARAM EchallanMH011826380202627E.pdf', 'problems': ['consideration (CA) on the challan Rs.36360000 — the loan amount is Rs.37800000']}
3d ago	EzDocs	challan_extracted	{'grn': 'MH011826380202627E', 'file': 'SAPKAL SANTOSH SAWALARAM EchallanMH011826380202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 124090}
3d ago	EzDocs	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '498842', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed HVL11
3d ago	DARBAR	copilot_edit	{'n': 15, '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':
3d ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 15, 'differs': [{'by': 'papers', 'box': 'Prope
3d ago	EzDocs	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 15, 'issues': 1, 'case_no': 'NOI-2026-03410'}
3d ago	copilot	copilot_pick	{'why': "The hint explicitly states 'HAVELI 3 JOINT SUB REGISTRAR' and the options contain an exact match for we.", 'field': 'Office (SRO)', 'value': 'IGR010-HVL3_HAVELI 3 JOINT SUB REGISTRAR', 'method': 'ai', '
3d ago	the co-pilot	money_check_hold	{'why': 'the papers on this file do not support the figure the challan was about to be a percentage of', 'held': 37800000.0, 'findings': ["The branch paid ₹1,25,880 — the fee on ₹3,63,60,000 (the branch's mail's figure),
3d ago	EzDocs	challan_boxes_composed	{'fp': '1dc1d7c9d7e22cc4', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'first', 'box1': 'TWIN HOUSE NO 4 SANDON HOUSE EPS
3d ago	EzDocs	reader_mail_addition	{'fp': '1218cf759fae4c3d', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True}
3d ago	EzDocs	extra_challan_scanned	{'found': 0}
3d ago	EzDocs	draft_put_right475	{'why': 'the chase waiting for Send said what is no longer so — put right in its own words', 'kind': 'doc_chase', 'before': 'eb05f646c96aadb406ea3dc2597f022d095675e5680f4bb01920425271c56275', 'changes': ["the later list:
3d ago	EzDocs	file_note490	{'v': '1', 'at': '2026-10-12T09:27:29', 'why': 'mail', 'open': 10, 'mails': [{'at': '2026-10-12 08:32', 'id': '1a12f3eea23db809', 'from': 'branch', 'gist': 'The branch is asking for the MOE + NOI Challan and payment deta
3d ago	EzDocs	mail_against_file490	{'at': '2026-10-12T09:27:27', 'asks': [], 'gist': 'The branch sent a selfie of the applicants.', 'next': 'Ask the branch for the remaining missing details for Ankita Santosh Sapkal and Ankita M Sharma, and for the balanc
3d ago	EzDocs	documents_read_together	{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 3, 'seconds': 4.5, 'workers': 3}
3d ago	EzDocs	selfie_accepted	{'kind': 'live_selfie', 'doc_id': 'd3e7c2c7-77d7-4cca-8032-e1697ffc1cd7', 'confidence': 0.9}

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

Papers

All 7 in hand

Nothing more to ask the branch for

Money

SHORT — ₹1,25,880 of ₹1,30,230.97 received

₹4,350.97 still to come before the challan.

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

For you to check: 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 Facts.

Today · 15 Oct2 things

EzDocs checked the e-filing boxes against the papers