Cases / NOI-2026-00300

Swapnil Kailas Bangar

LAN NHL/NSK/0726/5162029 Index II pending · with the government All documents Mails & papers 6

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).

What the e-filing still needs2 still to come

5 of 7 in hand.
the challan is done — these are for the IGR filing / KYC

✓Sanction letteropen

✓Aadhaar cardopen

✓PAN cardopen

✓Selfie / photoopen

✓Payment screenshot — money verifiedopen

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

For you to check

GPay ₹13,120 announced at 07:36 has not settled into the PNB account (due 11:36). Paste PNB statement (SMS page) or Check Settlements in GPay Business.

MoneyAll of it is in

₹13,150

The whole amount reached our account. Nothing is pending on this case.

₹13,120 receivedmatches the branch's receipt

Stamp duty 0.3%4,250

Registration fee 0.5%7,080

Government handling320

Our service fee1,500

Total we ask for13,150

the branch’s receipt claims ₹13,120 624086816276

paid 5 Oct 13:06:00 · verified 5 Oct 13:06:49 · 50 s later

How we know

Our own bank told us — 5 Oct 13:06

₹13,120 · from GPAY-BIZ

“₹13,120.00 received from DIPAK H P at 1:06 PM The amount will settle in your bank account via NEFT.”

Matched by: the screenshot's amount equals this credit · Google's alert; the NEFT is awaited

Paid the bank's own ₹13,120. ₹30 under our ask = our margin. Accepted as full.

By law ₹13,140. We ask ₹13,150 (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 ₹13,120 — accept as full (₹30 = our margin).

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 26 h 29 minour time · 1 Sep 10:01

Index II —not yet

the NOI team 3 d 20 hthe branch 34 d 3 hthe SRO 10 d 4 htotal 48 d 4 h so far

Now with the SRO — waiting for the SRO's Index II

since 5 Oct 13:06 — 10 d 4 h of working time

Day by day — every step and who held it

28 Aug 13:33Your branch's mail

29 Aug 22:02Papers read+1 d 8 h · the NOI team

29 Aug 22:02Property readat once

29 Aug 22:03Papers read+1 min · the NOI team

29 Aug 22:03Fee quotedat once

1 Sep 10:01Challan made+2 d 11 h · the NOI team

5 Oct 13:06Payment landed+34 d 3 h · the branch

5 Oct 13:06Payment verified+1 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹14,15,000

Loan account no.

NHL/NSK/0726/5162029

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

Send the Index II when it arrives

The e-filing copy is with the branch. This case closes when the government's Index II is shared.

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

The NOI has been filed and the e-filing copy shared with the branch. The team is now waiting for the government's Index II of the NOI to share with the branch.

the history says the next move is with the NOI team — the government's Index II

✓ loan papers sent — done, mail 1 (2026-08-28) “Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name SWAPNIL KAILAS BANGAR Lan No NHL/NSK/0726/5162029 Loan Amount 1415000 LOAN AMOUNT ”

✓ fee paid — the branch's words — done, mail 1 (2026-08-28) “*Payment details attached”

✓ challan made — done, mail 2 (2026-08-28) “Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same.”

✓ challan shared — done, mail 3 (2026-08-28) “Team, PFA challan for your reference.”

✓ Index II asked for — done, mail 2 (2026-08-28) “For NOI filing, We need an index 2 copy..”

✓ Index II / sale deed sent by the branch — done, mail 4 (2026-09-22) “Please find attached the copy of index 2 for NOI filing.”

✓ filed on the IGR site — done, mail 5 (2026-09-26) “PFA: Downloaded e-filing for your reference..”

✓ e-filing copy shared — done, mail 6 (2026-09-26) “PFA: Downloaded e-filing for your reference..”

read over 6 mail(s), last mail 2026-09-26 · read 19d ago · what EzDocs says informs the page; the step moves by the papers and the checked facts

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

1Pay the challan on GRAS, then upload it 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 checked every box against the document’s own words 30d ago — all agree.

2File the NOI on the IGR site, then tell the branch

then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.

3Send the downloaded e-filing copy

When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.

DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt

4Bank approval snip (Sammaan & Hinduja only)

These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.

No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.

Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.

Filing record (attempts, GRN, token)

Attempt	GRN	Token	Status	Submitted
no filing yet

Open filing pack →

Fix something every change is recorded with your name

Where did you see the money? One tap is the same record, in your name:

Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.

Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once

Advanced — move the case by hand (ask Abhijit first)

Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.

The reply EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.

No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →

The conversation, word for word — attachments open on click. Mail thread, oldest first.

This thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.

📑 Open mails & papers — each mail beside its papers, ← → the next paper

PA piyush.aher@phfl.com phfl.com
28 Aug, 13:33 · 48d ago THE APP JOINED HERE — earlier mails are on Gmail

Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0726/5162029 Applicant Name : SWAPNIL KAILAS BANGAR

📎 Sanction letter - 24.pdf ↗📎 520566.jpg ↗📎 517266.jpg ↗📎 517265.jpg ↗📎 520575.jpg ↗📎 1787894851790.jpg ↗📎 IMG-20260828-WA0005.jpg ↗📎 IMG-20260827-WA0014.jpg ↗📎 image002.jpg ↗📎 image001.jpg ↗

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer nameSWAPNIL KAILAS BANGAR

Loan account (LAN)NHL/NSK/0726/5162029

Loan amount₹14,15,000

Stamp duty 0.30%₹4,245

Registration fee 0.50%₹7,075

DHC₹300

Service / vendor fees₹1,500

Total₹13,120

✓ Sanction Letter — attached
✓ Customer Aadhar Card / co applicant — attached
✓ Customer pan Card / co applicant — attached
✓ Form A2 or Soft copy of photograph — attached
✓ Payment details — attached

*Index II CopyOTC

Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited

earlier mails quoted below

From: Rameshwar Mathure (rammathure@gmail.com)
Date: 28-08-2026 01:25 pm
To: piyush.aher@phfl.com
Cc: abhijeet.kale@phfl.com
Subject: Swapnil kailas Bangar NOI Pement

 Exercise Secured by Check Point

Dear Teem PFA

🤖 read: asks for the challan; says the fee is paid ₹13,120 ✓; documents attached; note: Process 0.3 & 0.5 Challan. — “Kindly process 0.3 & 0.5 Challan in below case.”

3 more mails in between — open

OL The NOI teamTYPED IN GMAIL
28 Aug, 14:07 · 48d 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..

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974

earlier mails quoted below

On Fri, 28 Aug 2026 at 13:38, Piyush Santosh Aher < piyush.aher@phfl.com > wrote: 
 Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name SWAPNIL KAILAS BANGAR Lan No NHL/NSK/0726/5162029 Loan Amount 1415000 LOAN AMOUNT 1415000 0.30% 4245 0.50% 7075 FEES 1500 DHC 300 TOTAL 13,120 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: Rameshwar Mathure (rammathure@gmail.com) Date: 28-08-2026 01:25 pm To: piyush.aher@phfl.com Cc: abhijeet.kale@phfl.com Subject: Swapnil kailas Bangar NOI Pement Exercise Secured by Check Point Dear Teem PFA

🤖 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
28 Aug, 14:17 · 48d ago

Team,PFA challan for your reference.

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974

earlier mails quoted below

On Fri, 28 Aug 2026 at 14:07, 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 Fri, 28 Aug 2026 at 13:38, Piyush Santosh Aher < piyush.aher@phfl.com > wrote: 
 Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name SWAPNIL KAILAS BANGAR Lan No NHL/NSK/0726/5162029 Loan Amount 1415000 LOAN AMOUNT 1415000 0.30% 4245 0.50% 7075 FEES 1500 DHC 300 TOTAL 13,120 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: Rameshwar Mathure (rammathure@gmail.com) Date: 28-08-2026 01:25 pm To: piyush.aher@phfl.com Cc: abhijeet.kale@phfl.com Subject: Swapnil kailas Bangar NOI Pement Exercise Secured by Check Point Dear Teem PFA 

Team,
PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 28 Aug 2026 at 14:07, 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 Fri, 28 Aug 2026 at 13:38, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:

> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> SWAPNIL KAILAS BANGAR
>
> Lan No
> NHL/NSK/0726/5162029
>
> Loan Amount 1415000
>
>
> LOAN AMOUNT 1415000
> 0.30% 4245
> 0.50% 7075
> FEES 1500
> DHC 300
> TOTAL 13,120
>
>
> *Sanction Letter attached
> *Customer Aadhar Card / co applicant attached
> *Customer pan Card / co applicant attached
> *Index II Copy OTC
> *Form A2 or Soft copy of photograph attached
> *Payment details attached
>
>
> SRO No
>
> Thanks & Regards,
>
> *Piyush S Aher*
>
> Branch Operation Executive
>
> Nashik Branch
>
> Direct: +91-253-2311672
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: Rameshwar Mathure (rammathure@gmail.com)
> Date: 28-08-2026 01:25 pm
> To: piyush.aher@phfl.com
> Cc: abhijeet.kale@phfl.com
> Subject: Swapnil kailas Bangar NOI Pement
>
> > Secured by Check Point
> Dear Teem
> PFA
>
>
>

🤖 read: challan shared ✓ — “PFA challan”

HB hirachand.b@pnbhousing.com pnbhousing.com
22 Sep, 13:51 · 23d ago

Dear Team,

Please find attached the copy of index 2 for NOI filing.

Thanks & Regards,
Hirachand B. Nipane.
Area Operations and Service Manager.
407 & 408, 4th Floor, Padma Vishwa Landmark,
Near Tanishq Showroom, Above Axis Bank,
Racca Colony,Sharanpur Road, Nashik 422002.
Landline Number : 0253-2311671/2311672
Mobile: 8600400491
Toll Free Number: 1800 120 8800
Website- www.pnbhousing.com<http://www.pnbhousing.com/>
[cid:image001.jpg@01DD4A99.70464CD0]



Internal

earlier mails quoted below

From: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Sent: 28 August 2026 14:08
To: Piyush Santosh Aher <piyush.aher@phfl.com>
Cc: Prashant Padhye <prashant.padhye@pnbhousing.com>; nasik.branch <nasik.branch@pnbhousing.com>; Rameshwar Prakash Mathure <rameshwar.mathure@phfl.com>
Subject: Re: Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0726/5162029 Applicant Name : SWAPNIL KAILAS BANGAR

 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..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

On Fri, 28 Aug 2026 at 13:38, Piyush Santosh Aher <piyush.aher@phfl.com<mailto:piyush.aher@phfl.com>> wrote:
Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name
SWAPNIL KAILAS BANGAR
Lan No
NHL/NSK/0726/5162029
Loan Amount
1415000
LOAN AMOUNT
1415000
0.30%
4245
0.50%
7075
FEES
1500
DHC
300
TOTAL
13,120
*Sanction Letter
attached
*Customer Aadhar Card / co applicant
attached
*Customer pan Card / co applicant
attached
*Index II Copy
OTC
*Form A2 or Soft copy of photograph
attached
*Payment details
attached
SRO No

Thanks & Regards,

Piyush S Aher

Branch Operation Executive

Nashik Branch

Direct: +91-253-2311672

Toll Free: 1800 120 8800

Website-www.pnbhousing.com<https://protect.checkpoint.com/v2/r05/___http://www.pnbhousing.com/___.YXBzMTpwbmJob3VzaW5nOmM6bzowNWVhOTE1OWVmZjk1YzBlZjRhZjUzNzMwMzI3MzBkOTo3OjRkMzA6ZDllZDRkMjNhNWQ2ODQ5ZmQzODgxNmEzN2MwZmM2NWI2MzcyNjYxYTc4MDA5ZDY3NDg3NDIyNmJjZGVkYTIyOTpoOkY6Rg>

PHFL Home Loans and Services Limited

[cid:image002.jpg@01DD4A99.70464CD0]

[cid:image003.jpg@01DD4A99.70464CD0]

----- Forwarded Message -----
________________________________
From: Rameshwar Mathure (rammathure@gmail.com<mailto:rammathure@gmail.com>)
Date: 28-08-2026 01:25 pm
To: piyush.aher@phfl.com<mailto:piyush.aher@phfl.com>
Cc: abhijeet.kale@phfl.com<mailto:abhijeet.kale@phfl.com>
Subject: Swapnil kailas Bangar NOI Pement

 Exercise Secured by Check Point

Dear Teem
PFA
[https://pnbhousing.icewarpcloud.in/webmail/cid%3Aii_1a046dafbc1576ce3b51]

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
26 Sep, 13:42 · 19d ago

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 22 Sept 2026 at 13:52, Hirachand Nipane < hirachand.b@pnbhousing.com > wrote:

Dear Team,

Please find attached the copy of index 2 for NOI filing.

Thanks & Regards,

Hirachand B. Nipane.

Area Operations and Service Manager.

407 & 408, 4th Floor, Padma Vishwa Landmark,

Near Tanishq Showroom, Above Axis Bank,

Racca Colony,Sharanpur Road, Nashik 422002.

Landline Number : 0253-2311671/2311672

Mobile: 8600400491

Toll Free Number: 1800 120 8800

Website- www.pnbhousing.com

Internal

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

Sent: 28 August 2026 14:08

To: Piyush Santosh Aher < piyush.aher@phfl.com >

Cc: Prashant Padhye < prashant.padhye@pnbhousing.com >; nasik.branch < nasik.branch@pnbhousing.com >; Rameshwar Prakash Mathure < rameshwar.mathure@phfl.com >

Subject: Re: Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0726/5162029 Applicant Name : SWAPNIL KAILAS BANGAR

 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..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Fri, 28 Aug 2026 at 13:38, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name

SWAPNIL KAILAS BANGAR

Lan No

NHL/NSK/0726/5162029

Loan Amount

1415000

LOAN AMOUNT

1415000

0.30%

4245

0.50%

7075

FEES

1500

DHC

300

TOTAL

13,120

*Sanction Letter

attached

*Customer Aadhar Card / co applicant

attached

*Customer pan Card / co applicant

attached

*Index II Copy

OTC

*Form A2 or Soft copy of photograph

attached

*Payment details

attached

SRO No

Thanks & Regards,

Piyush S Aher

Branch Operation Executive

Nashik Branch

Direct: +91-253-2311672

Toll Free: 1800 120 8800

Website- www.pnbhousing.com

PHFL Home Loans and Services Limited

----- Forwarded Message -----

From: Rameshwar Mathure (rammathure@gmail.com)

Date: 28-08-2026 01:25 pm

To:
piyush.aher@phfl.com

Cc:
abhijeet.kale@phfl.com

Subject:
Swapnil kailas Bangar NOI Pement

 Exercise Secured by Check Point

Dear Teem

PFA

🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference..”

OL The NOI teamTYPED IN GMAIL
26 Sep, 13:43 · 19d ago

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 22 Sept 2026 at 13:52, Hirachand Nipane < hirachand.b@pnbhousing.com > wrote:

Dear Team,

Please find attached the copy of index 2 for NOI filing.

Thanks & Regards,

Hirachand B. Nipane.

Area Operations and Service Manager.

407 & 408, 4th Floor, Padma Vishwa Landmark,

Near Tanishq Showroom, Above Axis Bank,

Racca Colony,Sharanpur Road, Nashik 422002.

Landline Number : 0253-2311671/2311672

Mobile: 8600400491

Toll Free Number: 1800 120 8800

Website- www.pnbhousing.com

Internal

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

Sent: 28 August 2026 14:08

To: Piyush Santosh Aher < piyush.aher@phfl.com >

Cc: Prashant Padhye < prashant.padhye@pnbhousing.com >; nasik.branch < nasik.branch@pnbhousing.com >; Rameshwar Prakash Mathure < rameshwar.mathure@phfl.com >

Subject: Re: Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0726/5162029 Applicant Name : SWAPNIL KAILAS BANGAR

 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..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Fri, 28 Aug 2026 at 13:38, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name

SWAPNIL KAILAS BANGAR

Lan No

NHL/NSK/0726/5162029

Loan Amount

1415000

LOAN AMOUNT

1415000

0.30%

4245

0.50%

7075

FEES

1500

DHC

300

TOTAL

13,120

*Sanction Letter

attached

*Customer Aadhar Card / co applicant

attached

*Customer pan Card / co applicant

attached

*Index II Copy

OTC

*Form A2 or Soft copy of photograph

attached

*Payment details

attached

SRO No

Thanks & Regards,

Piyush S Aher

Branch Operation Executive

Nashik Branch

Direct: +91-253-2311672

Toll Free: 1800 120 8800

Website- www.pnbhousing.com

PHFL Home Loans and Services Limited

----- Forwarded Message -----

From: Rameshwar Mathure (rammathure@gmail.com)

Date: 28-08-2026 01:25 pm

To:
piyush.aher@phfl.com

Cc:
abhijeet.kale@phfl.com

Subject:
Swapnil kailas Bangar NOI Pement

 Exercise Secured by Check Point

Dear Teem

PFA

🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing 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
Sanction letter	Sanction letter - 24.pdf	filed	46d ago
Aadhaar card	520566.jpg	filed	46d ago
Aadhaar card	517266.jpg	filed	46d ago
PAN card	517265.jpg	filed	46d ago
PAN card	520575.jpg	filed	46d ago
Selfie / photo	1787894851790.jpg	filed	46d ago
Payment screenshot	IMG-20260828-WA0005.jpg	filed	46d ago
Selfie / photo	IMG-20260827-WA0014.jpg	filed	46d ago
Other	image002.jpg	filed	46d ago
Other	image001.jpg	filed	46d 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
₹13,150

Where it stands
VERIFIED — money received

Screenshot claims
₹13,120 624086816276

Paid at
5 Oct 13:06:00

Verified on
5 Oct 13:06:50

Paid by GPay ₹13,120 at 5 Oct 13:06 — Google's alert. Its NEFT into the PNB account is due by 5 Oct 17:06; confirmed when it lands.

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹4,250	₹7,080	₹320	₹1,500	₹13,150

By law ₹13,140. We ask ₹13,150 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

Challan: 13 of 13 boxes on the caseOpen the verification page →

Highlighted: District, Property box 1 (flat, floor, building, survey / gat / CTS), Property box 2 (the road), City / village

The e-filing’s boxes (32 of 46 ready) come up once the challan is paid.

✓ EzDocs checked every box against the document’s own words 30d ago — all agree.

not verified yetsource: the sanction letter (Sanction letter - 24.pdf) 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)

⚠ not in the document

Flat / shop no

✓ in the document

Floor

empty

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

Area (sq.mt, carpet)

empty

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.

Plot No 64, S No 52/3, Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar, Nashik, MAHARASHTRA, India, 422012

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

Sanction letter - 24.pdf

as printed
PLOT NO 64, S NO 52/3, DHRUV NAGAR, DHRUV NAGAR, GANGAPUR SHIWAR, NASHIK, MAHARASHTRA, INDIA, 422012

PIN
422012

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 64 SURVEY NO 52/3

Locality/Road
DHRUV NAGAR GANGAPUR SHIWAR

Area/City
NASHIK

check or correct a box, the papers beside it →

Every paper prints the same words as the main paper.

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

Parties

Role	Name	PAN	Aadhaar
mortgagor	Swapnil Kailas Bangar	BOIPB1664Q	…7990
co_mortgagor	Kailas Suryakant Bangar	ITSPB3953E	…4823

All mail records (for Abhijit — safe to ignore)

Template	To	When
fee quote	piyush.aher@phfl.com	46d ago
document chase	piyush.aher@phfl.com	46d ago

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

Sanction letter Sanction letter - 24.pdf needs your check

lan
NHL/NSK/0726/5162029

loan type
Non Housing Loan, Personal use

confidence
1

loan amount
1350000

interest rate
9.75

sanction date
24-Jul-2026

letter version
3

applicant names
SWAPNIL KAILAS BANGAR, KAILAS SURYAKANT BANGAR

property address
pin: 422012; road: Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar; state: MAHARASHTRA; Flat no: 64; Address: Plot No 64, S No 52/3, Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar, Nashik, MAHARASHTRA, India, 422012; village_c

insurance premium
65000

includes insurance
True

total with insurance
1415000

applicant address from462
read again off the letter's pages (page 1, the To, block)

security address verbatim
Plot No 64, S No 52/3, Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar, Nashik, MAHARASHTRA, India, 422012

applicant address verbatim
KOMAL ROW HOUSE NO 1, HOUSES, NEAR SAI PETROL PUMP DHRUV NAGAR, GANGAPUR ROAD NASHIK, NASHIK, Nashik, MAHARASHTRA, 422012, India

raw reading (for Abhijit)

{'lan': 'NHL/NSK/0726/5162029', 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1, 'loan_amount': 1350000, 'interest_rate': 9.75, 'sanction_date': '24-Jul-2026', 'letter_version': '3', 'applicant_names': ['SWAPNIL KAILAS BANGAR', 'KAILAS SURYAKANT BANGAR'], 'property_address': {'pin': '422012', 'road': 'Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '64', 'district': None, 'floor_no': None, 'landmark': None, 'full_address': 'Plot No 64, S No 52/3, Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar, Nashik, MAHARASHTRA, India, 422012', 'village_city': 'Nashik', 'building_name': None, 'survey_or_cts_no': '52/3'}, 'insurance_premium': 65000, 'includes_insurance': True, 'total_with_insurance': 1415000, 'applicant_address_from462': "read again off the letter's pages (page 1, the To, block)", 'security_address_verbatim': 'Plot No 64, S No 52/3, Dhruv Nagar, Dhruv Nagar, Gangapur Shiwar, Nashik, MAHARASHTRA, India, 422012', 'applicant_address_verbatim': 'KOMAL ROW HOUSE NO 1, HOUSES, NEAR SAI PETROL PUMP DHRUV NAGAR, GANGAPUR ROAD NASHIK, NASHIK, Nashik, MAHARASHTRA, 422012, India'}

Aadhaar card 520566.jpg needs your check

dob
1989-06-01

name
Swapnil Kailas Bangar

aadhaar last4
7990

raw reading (for Abhijit)

{'dob': '1989-06-01', 'pan': None, 'name': 'Swapnil Kailas Bangar', 'aadhaar_last4': '7990'}

Aadhaar card 517266.jpg needs your check

dob
1965-06-01

name
Kailas Suryakant Bangar

aadhaar last4
4823

raw reading (for Abhijit)

{'dob': '1965-06-01', 'pan': None, 'name': 'Kailas Suryakant Bangar', 'aadhaar_last4': '4823'}

PAN card 517265.jpg needs your check

dob
1965-06-01

pan
ITSPB3953E

name
KAILAS SURYAKANT BANGAR

raw reading (for Abhijit)

{'dob': '1965-06-01', 'pan': 'ITSPB3953E', 'name': 'KAILAS SURYAKANT BANGAR', 'aadhaar_last4': None}

PAN card 520575.jpg needs your check

dob
1989-06-01

pan
BOIPB1664Q

name
SWAPNIL KAILAS BANGAR

raw reading (for Abhijit)

{'dob': '1989-06-01', 'pan': 'BOIPB1664Q', 'name': 'SWAPNIL KAILAS BANGAR', 'aadhaar_last4': None}

Payment screenshot IMG-20260828-WA0005.jpg needs your check

utr
624086816276

date
2023-08-28

amount
13120

method
Paytm

payee upi
9892834356m@pnb

payee name
Thinkbigz Initiative Private Li...

payer name
Swapnil Kailas Bangar

raw reading (for Abhijit)

{'utr': '624086816276', 'date': '2023-08-28', 'amount': 13120, 'method': 'Paytm', 'payee_upi': '9892834356m@pnb', 'payee_name': 'Thinkbigz Initiative Private Li...', 'payer_name': 'Swapnil Kailas Bangar', 'debit_notification_text': None}

Other image001.jpg needs your check

payments inside
kind: other; payments: []; rows_read: 0

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}

Other image002.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Payment screenshot IMG-20260828-WA0005.jpg needs your check

payments inside
bank: HDFC Bank; kind: payment_screenshot; payments: [{'utr': '624086816276', 'date': '2023-08-28', 'page': 1, 'time': '10:55', 'payee': 'Thinkbigz Initiative Private Li...', 'amount': 13120.0, 'direction': 'debit', 'nar

raw reading (for Abhijit)

{'payments_inside': {'bank': 'HDFC Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '624086816276', 'date': '2023-08-28', 'page': 1, 'time': '10:55', 'payee': 'Thinkbigz Initiative Private Li...', 'amount': 13120.0, 'direction': 'debit', 'narration': 'Paid Successfully', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '5608', 'account_holder': 'Swapnil Kailas Bangar'}}

Technical record (for Abhijit — safe to ignore)

1h ago	EzDocs	reader_home_address	{'fp': '2a0017bf450967be', 'from': 'the sanction letter (Sanction letter - 24.pdf)', 'home': {'pin': '422012', 'area': 'NEAR SAI PETROL PUMP DHRUV NAGAR', 'flat': 'ROW HOUSE NO 1', 'road': 'GANGAPUR ROAD', 'state': 'MAHA
7h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 26 Sep, 13:42 shared the e-filing copy — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']}
19h ago	EzDocs	screenshot_year_fixed524	{'now': '2026-08-28', 'why': 'the screenshot prints the day and the month; the year was read wrong (2023) — put right', 'read': '2023-08-28'}
10d ago	EzDocs	gpay_not_settled_yet	{'why': "the GPay Business app announced this money, but Google's NEFT into the PNB account has not been heard by its own deadline — PNB texts only some credits into the EZDOCS account: paste the day's PNB statement on t
10d ago	EzDocs	boxes_gathered	{'how': 'uri', 'why': 'quick sweep', 'docs': ['Sanction letter - 24.pdf', '520566.jpg', '517266.jpg', '517265.jpg', '520575.jpg'], 'after': {'addresses': {'people': [['Swapnil Kailas Bangar', [['sanction_letter', 'differ
10d ago	EzDocs	address_compared	{'sig': 'dcc81c9997bdf600', 'why': 'after gather', 'people': [{'home': 'KOMAL ROW HOUSE NO 1, Komal Row Houses, GANGAPUR ROAD, Near Sai Petrol Pump, Dhruvnagar, Nashik, Nashik, 422222', 'person': 'Swapnil Kailas Bangar',
10d ago	EzDocs	challan_boxes_composed	{'fp': 'ddb93c5d7bad89f4', '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': 'PLOT NO 64 SURVEY NO 52/3', 'box
10d ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Number', 'now': '64', 'src': 'sanction_letter', 'was': '52/3, DHRUV NAGAR, GANGAPUR SHIWAR, NASHIK, MAHARASHTRA, INDIA, 422012', 'why': "no paper put the old value there — it came from the branch's
10d ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Number type', 'now': 'PLOT', 'src': 'sanction_letter', 'was': 'SURVEY', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. sanction_letter prints this,
10d ago	EzDocs	property_numbers_completed	{'now': {'Number': '52/3, DHRUV NAGAR, GANGAPUR SHIWAR, NASHIK, MAHARASHTRA, INDIA, 422012'}, 'was': {'Number': '52/3'}, 'why': "the property's own words print more numbers of this kind than the box held; the b
10d ago	EzDocs	case_reevaluated	{'stage_after': 'AWAITING_INDEX2'}
10d ago	EzDocs	efiling_found_on_case	{'now': 'AWAITING_INDEX2', 'was': 'CHALLAN_PAID', 'why': 'the paper is the fact and the stage follows it — the case was standing at an earlier step than the people working it. The money is untouched by this.', 'trigger':
10d ago	EzDocs	payment_verified	{'utr': '624086816276', 'why': "paid ₹13,120, ₹30 under our ask of ₹13,150 — the bank's own written total — the gap to our rounded-up ask is the NOI team's buffer; accepted as full", 'delta': -30.0, 'method': 'screenshot
10d ago	EzDocs	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': ['stale_claim:2023-08-28:1121d'], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None,
15d ago	EzDocs	letter_home_read462	{'fp': 'doc:a3325fa1-7a71-4e2c-be1f-20412e2ce387', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'Sanction letter - 24.pdf', 'asked': True, 'found': Tr
19d ago	EzDocs	trail_read	{'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_sha
19d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
22d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260828-WA0005.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '08b5203f-54b9-4643-852c-db66a8df7983', 'fetched': True}
22d ago	EzDocs	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260828-WA0005
22d ago	EzDocs	stale_claim_flagged	{'age_days': 1121, 'claim_date': '2023-08-28'}
22d ago	EzDocs	claim_part_duplicate	{'utr': '624086816276', 'date': '2023-08-28', 'parts': 1, 'amount': 13120.0, 'claimed_total': 13120.0}
22d ago	EzDocs	hidden_payment_scan	{'file': 'image002.jpg', 'kind': None, 'found': 0, 'doc_id': '719a6e3c-7713-4e9b-a68e-b57a4385673a', 'fetched': True}
22d ago	EzDocs	hidden_payment_scan	{'file': 'image001.jpg', 'kind': 'other', 'found': 0, 'doc_id': 'eb3fe121-47af-4938-9d86-081596793863', 'fetched': True}
23d ago	EzDocs	trail_read	{'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_sha
23d ago	EzDocs	old_thread_stored_only	{'why': 'this thread began before go-live — its mails are stored for the history; nothing is read or drafted; the team works it by hand', 'cutoff': '2026-09-01', 'thread_started': '2026-08-28 08:03:03'}
29d ago	EzDocs	trail_read	{'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_
30d ago	EzDocs	kyc_address_read	{'doc': 'aadhaar', 'pin': '422222', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Nashik', 'doc_id': '6b8ef6d5-caf3-
30d ago	EzDocs	kyc_address_read	{'doc': 'aadhaar', 'pin': '422222', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Govart han', 'doc_id': '417388df-0
30d ago	EzDocs	property_self_check	{'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 6, 'trigger': 'quick sweep'}
31d ago	EzDocs	property_attrs_split	{'now': {'Number type': 'SURVEY', 'Second number type': '', 'Number': '52/3', 'Second number': ''}, 'was': {'Number type': '', 'Second number type': '', 'Number': '52/3', 'Second number': ''}, 'why': "the number boxes hold the type

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

₹13,120 received — verified

Seen in the account (credit SMS or a person's Verify).

Challan & filing

Index II pending

Waiting on the government.

Next — whose move

The government

Index II

For you to check: GPay ₹13,120 announced at 07:36 has not settled into the PNB account (due 11:36). Paste PNB statement (SMS page) or Check Settlements in GPay Business.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered