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

Cases / NOI-2026-01547

Santosh Ramji Vishwakarma

LAN HOU/NSK/0826/5194119 Index II shared · done Send the draft 7 All documents Mails & papers 7

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needsall in

10 of 10 in hand.
the challan is done — these are for the IGR filing / KYC

✓Payment screenshot — shows ₹18,600; money not verified yetopen

✓Selfie / photoopen

✓Aadhaar cardopen

✓PAN cardopen

✓Sanction letteropen

✓Paid challan (GRAS)open

✓Index II — the branch's own title copy, an input; the address was read from itopen

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

✓E-filing copy (token)open

✓Property address — verified by the engine, from the Index II (correct below if anything is off)

All files (14)A label is wrong? Fix it under All documents.

Needs your eyes

Payment needs a person to check (see Money).
The work is done — our fee of ₹18,640.45 is still not in our account. Chase the branch for it.
This UTR already verified case NOI-2026-00220.

MoneySomeone must look

₹18,640.45CASE MARK

A credit came that nobody can place with certainty — a person must look.

₹18,600 receivedthe figure the branch wrote

Stamp duty 0.3%6,310

Registration fee 0.5%10,510

Government handling320

Our service fee1,500.45

Total we ask for18,640.45

Screenshot ₹18,600 — ₹40 under our ask, not below the real calculation ₹18,600. Counts as full. Nothing to ask.
Screenshot ₹18,600 — verified by itself the moment the bank credit is heard.

why?

The branch paid the bank's own written total. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.

Paid by UPI to 9892834356m@pnb at 2026-09-09 — the PNB SMS verifies it within minutes.

Paid the bank's own ₹18,600. ₹40.45 under our ask = our margin. Accepted as full.

By law ₹18,620. We ask ₹18,640 (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 ₹18,600 — accept as full (₹40.45 = our margin).

BANK'S TABLE — INSIDE OUR BUFFER

Bank table ₹18,600. We ask ₹18,640. Difference ₹40 — OK (our margin). Accept ₹18,600 as full. Nothing to collect.

Their own rows add to ₹17,100, their total says ₹18,600 — a ₹1,500 slip in their sheet. Not ours to fix.

why?

Their DHC is ₹300 on the sheet, ours ₹320 (Avinash's policy margin); their rows are rounded. By the Koli ruling (3 Sep) a total inside ₹60 / 0.25% of our ask is paid in full.

the branch's own words

The branch's mail said: the bank's own rows sum to Rs.17,100 but its total says Rs.18,600

The money may already be here — 1 credit(s) our bank showed us that no case has taken

Credits 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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 1 h 51 minour time · 9 Sep 19:10

Index II 30 h 28 minour time · 10 Oct 12:04

the NOI team 3 dthe branch 27 d 18 htotal 30 d 18 h

Complete.

Day by day — every step and who held it

9 Sep 17:19Your branch's mail

9 Sep 18:16Fee quoted+57 min · the NOI team

9 Sep 18:16Papers readat once

9 Sep 18:16Property readat once

9 Sep 19:10Challan made+54 min · the NOI team

7 Oct 13:27Papers from your branch+27 d 18 h · the branch

7 Oct 13:33Papers read+6 min · the NOI team

9 Oct 13:10Filed on IGR — e-filing shared+1 d 23 h · the NOI team

10 Oct 12:04Index II sent+22 h 53 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹21,00,000

Loan account no.

HOU/NSK/0826/5194119

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

Nothing — this case is done

Index II shared with the branch and the case is closed.

⚠ 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

NOTEThe name of person 1

The PAN card	SARITA S VISHWAKARMA
The sanction letter DIFFERS	SARITA SANTOSH VISHWAKARMA

What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.

Compared: the sanction letter. Nothing here is typed or changed by itself.

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

The branch has provided all necessary documents and paid the fee. The NOI team has shared the challan and is now waiting to file the NOI after receiving the Index II, which has now been provided by the branch.

the trail says the next move is with the NOI team — the NOI filing

the NOI team last promised: We will initiate the challan for the same.

the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen

✓ loan papers sent — done, mail 1 (2026-09-09) “Sanction Letter attached”

✓ fee asked — done, mail 1 (2026-09-09) “Kindly process 0.3 & 0.5 Challan in below case.”

✓ fee paid — the branch's words — done, mail 1 (2026-09-09) “Payment details attached”

✓ challan made — done, mail 3 (2026-09-09) “PFA Challan for your reference.”

✓ challan shared — done, mail 3 (2026-09-09) “PFA Challan for your reference.”

✓ Index II asked for — done, mail 2 (2026-09-09) “For NOI filing, We need an index 2 copy.”

✓ Index II / sale deed sent by the branch — done, mail 4 (2026-10-07) “PFA Index II.”

read over 4 mail(s), last mail 2026-10-07 · read 6d ago · what EzDocs says informs the page; the step moves by the papers and the checked facts

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

1Pay the challan on GRAS, then upload it here

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

✗ EzDocs found boxes that do NOT agree with the document (6d ago) — open the verification page; they are marked in red.

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 1026088812302 · ₹300 · paid 08/10/2026 — read off the filed notice

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	MH009961044202627E	—	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.

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

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

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

The reply the engine wrote on this thread — yours to edit; nothing leaves until you press Send. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

Index II pending — NOI NOI-2026-01547 | HOU/NSK/0826/5194119

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NSK/0826/5194119) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 3 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

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

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

DRAFT — written by the engine, not sent

Index II pending — NOI NOI-2026-01547 | HOU/NSK/0826/5194119

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NSK/0826/5194119) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 3 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

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

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

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

This is the case's own Gmail thread, oldest first — the first mail is how the case began, and every later mail lands here the moment it arrives. Search on the Cases page finds any words written below.

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

PA piyush.aher@phfl.com phfl.com
09 Sep, 17:19 · 34d ago THE FIRST MAIL — how this case began

Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5194119 Applicant Name : SANTOSH RAMJI VISHWAKARMA

📎 DocScanner 09-Sep-2026 05-07 PM (1).pdf ↗📎 DocScanner 09-Sep-2026 05-06 PM (1).pdf ↗📎 Co App Adhar.pdf ↗📎 Co App Pan.pdf ↗📎 DocScanner 09-Sep-2026 05-06 PM.pdf ↗📎 DocScanner 10-Aug-2026 11-50 AM.pdf ↗📎 App Adhar.pdf ↗📎 image002.jpg ↗📎 DocScanner 09-Sep-2026 05-07 PM.pdf ↗📎 image001.jpg ↗

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer nameSANTOSH RAMJI VISHWAKARMA

Loan account (LAN)HOU/NSK/0826/5194119

Loan amount₹21,00,000

Stamp duty 0.30%₹6,300

Registration fee 0.50%₹10,500

DHC₹300

Service / vendor fees₹1,500

Total₹18,600

✓ 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:  pavan.suryawanshi@phfl.com
Date: 09-09-2026 05:08 pm
To:  piyush.aher@phfl.com
Subject:  NOI- SANTOSH RAMJI VISHWAKARMA

Sent from  OfficeMail

🤖 read: says the fee is paid ✓; documents attached; note: Process two separate challans for 0.3% and 0.5%. — “Payment details attached”

4 more mails in between — open

OL The NOI teamTYPED IN GMAIL
09 Sep, 18:35 · 34d 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*

On Wed, 9 Sept 2026 at 17:24, Piyush Santosh Aher <piyush.aher@phfl.com>

wrote:

earlier mails quoted below

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name
SANTOSH RAMJI VISHWAKARMA

Lan No
HOU/NSK/0826/5194119

Loan Amount  2100000

LOAN AMOUNT 2100000
0.30% 6300
0.50% 10500
FEES 1500
DHC 300
TOTAL 18,600

*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 <+91%20253%20231%201672>

Toll Free: 1800 120 8800

Website-www.pnbhousing.com

*PHFL Home Loans and Services Limited*

----- Forwarded Message -----
------------------------------
From: pavan.suryawanshi@phfl.com
Date: 09-09-2026 05:08 pm
To: piyush.aher@phfl.com
Subject: NOI- SANTOSH RAMJI VISHWAKARMA

Sent from OfficeMail <http://www.officemail.app/>

🤖 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
09 Sep, 19:10 · 34d ago

📎 SANTOSH RAMJI VISHWAKARMA EchallanMH009961 ↗

Team,

PFA Challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Wed, 9 Sept 2026 at 18:35, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

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 <(809)%20724-4974>*

On Wed, 9 Sept 2026 at 17:24, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:

> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> SANTOSH RAMJI VISHWAKARMA
>
> Lan No
> HOU/NSK/0826/5194119
>
> Loan Amount  2100000
>
>
> LOAN AMOUNT 2100000
> 0.30% 6300
> 0.50% 10500
> FEES 1500
> DHC 300
> TOTAL 18,600
>
>
> *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 <+91%20253%20231%201672>
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: pavan.suryawanshi@phfl.com
> Date: 09-09-2026 05:08 pm
> To: piyush.aher@phfl.com
> Subject: NOI- SANTOSH RAMJI VISHWAKARMA
>
>
>
> Sent from OfficeMail <http://www.officemail.app/>
>

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

PA piyush.aher@phfl.com phfl.com
07 Oct, 13:27 · 6d ago

Re[2]: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5194119 Applicant Name : SANTOSH RAMJI VISHWAKARMA

📎 3. Index II.pdf ↗

Dear Team,

PFA Index II.

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: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09-09-2026 06:37 pm
To: Piyush Santosh Aher ( piyush.aher@phfl.com )
Cc: Prashant Padhye ( prashant.padhye@pnbhousing.com ), nasik.branch ( nasik.branch@pnbhousing.com ), pavan.suryawanshi ( pavan.suryawanshi@phfl.com )
Subject:  Re: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5194119 Applicant Name : SANTOSH RAMJI VISHWAKARMA

 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 Wed, 9 Sept 2026 at 17:24, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANTOSH RAMJI VISHWAKARMA

Lan No  HOU/NSK/0826/5194119

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*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

From:  pavan.suryawanshi@phfl.com
Date: 09-09-2026 05:08 pm
To:  piyush.aher@phfl.com
Subject:  NOI- SANTOSH RAMJI VISHWAKARMA

Sent from  OfficeMail

🤖 read: asks for the Index II — “We need an index 2 copy.”

OL The NOI teamTYPED IN GMAIL
07 Oct, 14:08 · 6d ago

Team

we will process the NOI for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 7 Oct 2026 at 13:32, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

PFA Index II.

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

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09-09-2026 06:37 pm
To: Piyush Santosh Aher ( piyush.aher@phfl.com )
Cc: Prashant Padhye ( prashant.padhye@pnbhousing.com ), nasik.branch ( nasik.branch@pnbhousing.com ), pavan.suryawanshi ( pavan.suryawanshi@phfl.com )
Subject:  Re: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5194119 Applicant Name : SANTOSH RAMJI VISHWAKARMA

 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 Wed, 9 Sept 2026 at 17:24, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANTOSH RAMJI VISHWAKARMA

Lan No  HOU/NSK/0826/5194119

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*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

From:  pavan.suryawanshi@phfl.com
Date: 09-09-2026 05:08 pm
To:  piyush.aher@phfl.com
Subject:  NOI- SANTOSH RAMJI VISHWAKARMA

Sent from  OfficeMail

🤖 read: The team will process the NOI.

OL The NOI teamTYPED IN GMAIL
09 Oct, 13:10 · 4d ago

📎 eFilingDoc9990810260582.pdf ↗

TEAM,

PFA: Downloaded e-filing for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 7 Oct 2026 at 14:08, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team

we will process the NOI for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 7 Oct 2026 at 13:32, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

PFA Index II.

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

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09-09-2026 06:37 pm
To: Piyush Santosh Aher ( piyush.aher@phfl.com )
Cc: Prashant Padhye ( prashant.padhye@pnbhousing.com ), nasik.branch ( nasik.branch@pnbhousing.com ), pavan.suryawanshi ( pavan.suryawanshi@phfl.com )
Subject:  Re: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5194119 Applicant Name : SANTOSH RAMJI VISHWAKARMA

 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 Wed, 9 Sept 2026 at 17:24, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANTOSH RAMJI VISHWAKARMA

Lan No  HOU/NSK/0826/5194119

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*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

From:  pavan.suryawanshi@phfl.com
Date: 09-09-2026 05:08 pm
To:  piyush.aher@phfl.com
Subject:  NOI- SANTOSH RAMJI VISHWAKARMA

Sent from  OfficeMail

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

OL The NOI teamTYPED IN GMAIL
10 Oct, 12:04 · 3d ago

📎 IndexII9990810260582.pdf ↗

Dear Team,

PFA index 2 copy for case closure..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Fri, 9 Oct 2026 at 13:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

TEAM,

PFA: Downloaded e-filing for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 7 Oct 2026 at 14:08, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team

we will process the NOI for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 7 Oct 2026 at 13:32, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

PFA Index II.

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

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09-09-2026 06:37 pm
To: Piyush Santosh Aher ( piyush.aher@phfl.com )
Cc: Prashant Padhye ( prashant.padhye@pnbhousing.com ), nasik.branch ( nasik.branch@pnbhousing.com ), pavan.suryawanshi ( pavan.suryawanshi@phfl.com )
Subject:  Re: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5194119 Applicant Name : SANTOSH RAMJI VISHWAKARMA

 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 Wed, 9 Sept 2026 at 17:24, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANTOSH RAMJI VISHWAKARMA

Lan No  HOU/NSK/0826/5194119

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*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

From:  pavan.suryawanshi@phfl.com
Date: 09-09-2026 05:08 pm
To:  piyush.aher@phfl.com
Subject:  NOI- SANTOSH RAMJI VISHWAKARMA

Sent from  OfficeMail

🤖 read: Index II shared ✓ — “PFA index 2 copy for case closure..”

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

Document	File — click to open	Status	When
Payment screenshot	DocScanner 09-Sep-2026 05-07 PM (1).pdf	filed	34d ago
Selfie / photo	DocScanner 09-Sep-2026 05-06 PM (1).pdf	filed	34d ago
Aadhaar card	Co App Adhar.pdf	filed	34d ago
PAN card	Co App Pan.pdf	filed	34d ago
Selfie / photo	DocScanner 09-Sep-2026 05-06 PM.pdf	filed	34d ago
PAN card	DocScanner 10-Aug-2026 11-50 AM.pdf	filed	34d ago
Aadhaar card	App Adhar.pdf	filed	34d ago
Other	image002.jpg	filed	34d ago
Sanction letter	DocScanner 09-Sep-2026 05-07 PM.pdf	filed	34d ago
Other	image001.jpg	filed	34d ago
Paid challan (GRAS)	SANTOSH RAMJI VISHWAKARMA EchallanMH009961044202627E.pdf	filed	33d ago
Index IIthe branch sent this — an input	3. Index II.pdf	filed	6d ago
E-filing copy (token)	eFilingDoc9990810260582.pdf	filed	4d ago
Index IIthe registered copy we filed	IndexII9990810260582.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
₹18,640.45

Where it stands
needs a person to check

Screenshot claims
₹18,600 026791440008

why?

Paid by UPI to 9892834356m@pnb at 2026-09-09 — the PNB SMS verifies it within minutes.

Paid at
—

Verified on
not yet

utr_already_used:NOI-2026-00220

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹6,310	₹10,510	₹320	₹1,500	₹18,640

By law ₹18,620. We ask ₹18,640 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

40 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Title deed held by the bank (Agreement to Sale / Sale Deed …), E-mail (person 1), Floor (person 1), Floor (person 2), Challan date

5 box(es) highlighted — not from the Index II / the Aadhaar, derived, or EzDocs was not sure: Road, Second number, Property type (Open / Building / Open + Building), Floor (person 1), Floor (person 2)

✗ EzDocs found boxes that do NOT agree with the document (6d ago) — open the verification page; they are marked in red.

CHECKED by the engine, from the Index II — correct any box that is off; a correction clears thissource: the Index II (3. Index II.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

⚠ not in the document

Village / City

⚠ not in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

⚠ not in the document

Area (sq.mt, carpet)

✓ 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.

इतर वर्णनः, इतर माहितीः तुकडी जिल्हा नाशिक,पोट तुकडी तालुका नाशिक पैकी, नाशिक महानगरपालिका हद्दीतील मौजे नाशिक शहर 4 ह्या गांवचे शिवारातील बिनशेती प्लॉट मिळकत सर्व्हे नं. 893/5/2/9/प्लॉट 9 (लेआऊट प्लॉट नं 9) यांसी क्षेत्र 361.20 चौ.मी. यांसी बिनशेती आकार रु. 174.00 पै. या प्लॉट मिळकतीवर बांधकाम केलेल्या लक्ष्मी कुबेर अपार्टमेंट मधील पहिल्या मजल्यावरील फ्लॅट नं 1(101) यांसी कार्पेट क्षेत्र 66.71 चौ.मी. व पार्किंग चे क्षेत्र 4.64 चौ.मी. ही बांधीव फ्लॅट मिळकत ( ( Survey Number: 893/5/2/9/प्लॉट 9 ;) ) - स्थानिक स्वराज्य संस्थाः नाशिक म.न.पा.

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

DocScanner 09-Sep-2026 05-07 PM.pdf

as printed
FLAT NO 1(101), 1ST FLOOR, LAXMI KUBER APARTMENT, PLOT NO 9, S NO 893/5/2/9, INDIRA NAGAR, NASHIK, BEHIND KUBER PARK APARTMENT, NASHIK, NEAR GURUGOVIND SINGH COLLAGE ROAD, NASHIK, MAHARASHTRA, INDIA, 422009

PIN
422009

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 1 101 1ST FLOOR LAXMI KUBER APARTMENT PLOT NO 9 SURVEY NO 893/5/2/9

Locality/Road
INDIRA NAGAR WADALA PATHARDI ROAD BEHIND KUBER PARK APARTMENT NEAR GURUGOWIND SINGH COLLAGE ROAD

Area/City
NASHIK

check or correct a box, the papers beside it →

Every paper prints the same words as the base paper.

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

Parties

Role	Name	PAN	Aadhaar
mortgagor	SARITA S VISHWAKARMA	BOKPV0850C	…2337
co_mortgagor	SANTOSH RAMJI VISHWAKARMA	ACVPV3458J	…0361

All mail records (for Abhijit — safe to ignore)

7 mail(s) written and held — read and send them on Draft mails.

Template	To	When
fee quote	piyush.aher@phfl.com	34d ago
documents acknowledged	piyush.aher@phfl.com	34d ago
Index II chase	piyush.aher@phfl.com	29d ago
Index II chase	piyush.aher@phfl.com	26d ago
Index II chase	piyush.aher@phfl.com	22d ago
Index II chase	piyush.aher@phfl.com	19d ago
Index II chase	piyush.aher@phfl.com	15d ago

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

Payment screenshot DocScanner 09-Sep-2026 05-07 PM (1).pdf needs your check

utr
026791440008

date
2026-09-09

time
16:49

amount
18600

method
UPI

payee upi
9892834356m@pnb

payee name
THINKBIGZ INITIATIVE PRIVATE LIMITED

raw reading (for Abhijit)

{'utr': '026791440008', 'date': '2026-09-09', 'time': '16:49', 'amount': 18600, 'method': 'UPI', 'payee_upi': '9892834356m@pnb', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PRIVATE LIMITED', 'payer_name': None, 'debit_notification_text': None}

PAN card Co App Pan.pdf needs your check

dob
1986-04-18

pan
BOKPV0850C

name
SARITA S VISHWAKARMA

legible
True

raw reading (for Abhijit)

{'dob': '1986-04-18', 'pan': 'BOKPV0850C', 'name': 'SARITA S VISHWAKARMA', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card Co App Adhar.pdf needs your check

dob
1986-04-18

name
Sarita Santosh Vishwakarma

legible
True

aadhaar last4
2337

raw reading (for Abhijit)

{'dob': '1986-04-18', 'pan': None, 'name': 'Sarita Santosh Vishwakarma', 'legible': True, 'aadhaar_last4': '2337', 'quality_issue': None}

Selfie / photo DocScanner 09-Sep-2026 05-06 PM.pdf needs your check

kind
live_selfie

legible
True

confidence
0.95

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.95, 'face_visible': True, 'quality_issue': None}

Selfie / photo DocScanner 09-Sep-2026 05-06 PM (1).pdf 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}

PAN card DocScanner 10-Aug-2026 11-50 AM.pdf needs your check

dob
1980-02-07

pan
ACVPV3458J

name
SANTOSH RAMJI VISHWAKARMA

legible
True

raw reading (for Abhijit)

{'dob': '1980-02-07', 'pan': 'ACVPV3458J', 'name': 'SANTOSH RAMJI VISHWAKARMA', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card App Adhar.pdf needs your check

dob
1980-02-07

name
Santosh Ramji Vishwakarma

legible
True

aadhaar last4
0361

raw reading (for Abhijit)

{'dob': '1980-02-07', 'pan': None, 'name': 'Santosh Ramji Vishwakarma', 'legible': True, 'aadhaar_last4': '0361', 'quality_issue': None}

Other image002.jpg needs your check

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

raw reading (for Abhijit)

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

Other image001.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}}

Sanction letter DocScanner 09-Sep-2026 05-07 PM.pdf needs your check

lan
HOU/NSK/0826/5194119

legible
True

loan type
Housing Loan

confidence
1.0

loan amount
2000000

interest rate
8.5

sanction date
12-Aug-2026

letter version
4

applicant names
SANTOSH RAMJI VISHWAKARMA, SARITA SANTOSH VISHWAKARMA

applicant mobile
9423257018

property address
pin: 422009; road: Indira Nagar, Behind Kuber Park Apartment, Near Gurugovind Singh Collage Road; state: MAHARASHTRA; flat_no: Flat No 1(101); district: Nashik; floor_no: 1st Floor; landmark: Behind Kuber Park Apartment,

insurance premium
100000

includes insurance
True

total with insurance
2100000

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

security address verbatim
Flat No 1(101), 1st Floor, Laxmi Kuber Apartment, Plot No 9, S No 893/5/2/9, Indira Nagar, Nashik, Behind Kuber Park Apartment, Nashik, Near Gurugovind Singh Collage Road, Nashik, MAHARASHTRA, India, 422009

applicant address verbatim
GHAR NO 323/174/4, RAJSARTHI SOCIETY, NAGAI CORNER,, INDIRA NAGAR NASHIK, NASHIK, Nashik, MAHARASHTRA, 422009, India

raw reading (for Abhijit)

{'lan': 'HOU/NSK/0826/5194119', 'legible': True, 'loan_type': 'Housing Loan', 'confidence': 1.0, 'loan_amount': 2000000, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '12-Aug-2026', 'letter_version': '4', 'applicant_names': ['SANTOSH RAMJI VISHWAKARMA', 'SARITA SANTOSH VISHWAKARMA'], 'applicant_mobile': '9423257018', 'property_address': {'pin': '422009', 'road': 'Indira Nagar, Behind Kuber Park Apartment, Near Gurugovind Singh Collage Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'Flat No 1(101)', 'district': 'Nashik', 'floor_no': '1st Floor', 'landmark': 'Behind Kuber Park Apartment, Near Gurugovind Singh Collage Road', 'full_address': 'Flat No 1(101), 1st Floor, Laxmi Kuber Apartment, Plot No 9, S No 893/5/2/9, Indira Nagar, Nashik, Behind Kuber Park Apartment, Nashik, Near Gurugovind Singh Collage Road, Nashik, MAHARASHTRA, India, 422009', 'village_city': 'Nashik', 'building_name': 'Laxmi Kuber Apartment', 'survey_or_cts_no': 'S No 893/5/2/9'}, 'insurance_premium': 100000, 'includes_insurance': True, 'total_with_insurance': 2100000, 'applicant_address_from462': "read again off the letter's pages (page 1, Applicant Address block)", 'security_address_verbatim': 'Flat No 1(101), 1st Floor, Laxmi Kuber Apartment, Plot No 9, S No 893/5/2/9, Indira Nagar, Nashik, Behind Kuber Park Apartment, Nashik, Near Gurugovind Singh Collage Road, Nashik, MAHARASHTRA, India, 422009', 'applicant_address_verbatim': 'GHAR NO 323/174/4, RAJSARTHI SOCIETY, NAGAI CORNER,, INDIRA NAGAR NASHIK, NASHIK, Nashik, MAHARASHTRA, 422009, India'}

Paid challan (GRAS) SANTOSH RAMJI VISHWAKARMA EchallanMH009961044202627E.pdf needs your check

grn
MH009961044202627E

pin
422009

total
16820.0

article
Registration Fee

defaced
False

bank cin
03006172026090901573

district
NASHIK

area city
NAGAR NASHIK

payer pan
ACVXXXXXXJ

flat block
FLAT NO 1 101 1ST FLOOR LAXMI KUBER

payer name
SANTOSH RAMJI VISHWAKARMA

sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2100000

scheme rows
{'amount': 6310.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10510.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7018

payment date
09/09/2026-19:1015

road locality
BEHIND KUBER PARK APARTMENT NASHIK NEAR GURUGOVIND SINGH COLLAGE ROAD

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
2100000

raw reading (for Abhijit)

{'grn': 'MH009961044202627E', 'pin': '422009', 'total': 16820.0, 'article': 'Registration Fee', 'defaced': False, 'bank_cin': '03006172026090901573', 'district': 'NASHIK', 'area_city': 'NAGAR NASHIK', 'payer_pan': 'ACVXXXXXXJ', 'flat_block': 'FLAT NO 1 101 1ST FLOOR LAXMI KUBER', 'payer_name': 'SANTOSH RAMJI VISHWAKARMA', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2100000', 'scheme_rows': [{'amount': 6310.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10510.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7018', 'payment_date': '09/09/2026-19:1015', 'road_locality': 'BEHIND KUBER PARK APARTMENT NASHIK NEAR GURUGOVIND SINGH COLLAGE ROAD', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2100000'}

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

Payment screenshot DocScanner 09-Sep-2026 05-07 PM (1).pdf needs your check

payments inside
kind: payment_screenshot; payments: [{'utr': '026791440008', 'date': '2026-09-09', 'page': 1, 'time': '16:49', 'payee': 'THINKBIGZ INITIATIVE PRIVATE LIMITED', 'amount': 18600.0, 'direction': 'debit', 'narration': 'THINK

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': '026791440008', 'date': '2026-09-09', 'page': 1, 'time': '16:49', 'payee': 'THINKBIGZ INITIATIVE PRIVATE LIMITED', 'amount': 18600.0, 'direction': 'debit', 'narration': 'THINKBIGZ INITIATIVE PRIVATE LIMITED', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '0392', 'account_holder': None}}

E-filing copy (token) eFilingDoc9990810260582.pdf needs your check

sro
NSK7

kind
efiling_copy

token
9990810260582

legible
True

property
road: NEAR GURUGOVIND SINGH COLLAGE ROAD; unit: 1 (101); floor: 1ST; taluka: Nashik; numbers: [{'type': 'Survey Number', 'value': '893/5/2'}, {'type': 'PLOT', 'value': '9'}, {'type': 'LAYOUT PLOT NO', 'value': '9'}]; vil

mortgagee
PNB HOUSING FINANCE LTD

mortgagors
{'pan': 'ACVPV3458J', 'name': 'SANTOSH RAMJI VISHWAKARMA', 'address': 'Flat No:G, Floor No:G, Building Name:GHAR NO 323/174/4,RAJSARTHI SOCIETY, Road:NAGAR CORNER INDIRA NAGAR NASHIK, City:NASHIK, State: MAHARASHTRA, Dis

title deed
Index II : 11013/2026 SRO NASHIK-6

filing date
2026-10-09

loan amount
2100000.0

payment lines
{'ref': 'MH009961044202627E', 'head': 'Stamp Duty', 'dated': '09/09/2026', 'amount': 6300.0, 'ref_kind': 'GRN'}, {'ref': 'MH009961044202627E', 'head': 'Filing Fee', 'dated': '09/09/2026', 'amount': 10500.0, 'ref_kind': '

date of mortgage
2026-10-08

raw reading (for Abhijit)

{'sro': 'NSK7', 'kind': 'efiling_copy', 'token': '9990810260582', 'legible': True, 'property': {'pin': None, 'road': 'NEAR GURUGOVIND SINGH COLLAGE ROAD', 'unit': '1 (101)', 'floor': '1ST', 'taluka': 'Nashik', 'numbers': [{'type': 'Survey Number', 'value': '893/5/2'}, {'type': 'PLOT', 'value': '9'}, {'type': 'LAYOUT PLOT NO', 'value': '9'}], 'village': 'Nashik Shahar', 'building': 'LAXMI KUBER APARTMENT', 'district': 'Nashik', 'area_text': 'Carpet : 66.71 Sq.mt.', 'local_body': None, 'description': 'Block Sector: INDIRA NAGAR, MOUJE NASHIK SHAHAR-4, Landmark:BEHIND KUBER PARK APARTMENT', 'property_type': None}, 'mortgagee': 'PNB HOUSING FINANCE LTD', 'mortgagors': [{'pan': 'ACVPV3458J', 'name': 'SANTOSH RAMJI VISHWAKARMA', 'address': 'Flat No:G, Floor No:G, Building Name:GHAR NO 323/174/4,RAJSARTHI SOCIETY, Road:NAGAR CORNER INDIRA NAGAR NASHIK, City:NASHIK, State: MAHARASHTRA, District:NASHIK, Pin:422009'}, {'pan': 'BOKPV0850C', 'name': 'SARITA S VISHWAKARMA', 'address': 'Flat No:G, Floor No:G, Building Name:GHAR NO 323/174/4,RAJSARTHI SOCIETY, Road:NAGAR CORNER INDIRA NAGAR NASHIK, City:NASHIK, State: MAHARASHTRA, District:NASHIK, Pin:422009'}], 'title_deed': 'Index II : 11013/2026 SRO NASHIK-6', 'filing_date': '2026-10-09', 'loan_amount': 2100000.0, 'payment_lines': [{'ref': 'MH009961044202627E', 'head': 'Stamp Duty', 'dated': '09/09/2026', 'amount': 6300.0, 'ref_kind': 'GRN'}, {'ref': 'MH009961044202627E', 'head': 'Filing Fee', 'dated': '09/09/2026', 'amount': 10500.0, 'ref_kind': 'GRN'}, {'ref': '1026088812302', 'head': 'Document Handling Charges', 'dated': '08/10/2026', 'amount': 300.0, 'ref_kind': 'PRN'}], 'date_of_mortgage': '2026-10-08'}

Technical record (for Abhijit — safe to ignore)

3d ago	system:reconcile	closed_from_desk_words	{'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"}
3d ago	system:ingest	desk_document_shared	{'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'IndexII999081026058
4d ago	system:extract	dhc_prn_read	{'prn': '1026088812302', 'why': "the Document Handling Charges' PRN, as the filed notice prints it — beside the challan's GRN in the MIS", 'file': 'eFilingDoc9990810260582.pdf', 'from': "the filed notice's own text", 'gr
4d ago	system:extract	efiling_copy_read	{'why': "the filed notice, read back as this desk's own e-filing sample for the bank", 'file': 'eFilingDoc9990810260582.pdf', 'token': '9990810260582', 'doc_id': '7e191348-d985-4282-8f71-e4c4c6784880', 'mortgagors': 2}
4d ago	system:ingest	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':
4d ago	system:ingest	desk_document_shared	{'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'eFilingDoc999081026
6d ago	system:extract	document_read_again	{'why': 'this file was stored but its reading never finished (EzDocs was busy, or it timed out) — read again by the quick job, the same way it arrived', 'file': '3. Index II.pdf', 'type': 'index2', 'doc_id': 'f386e0f3-fb
6d ago	system:ingest	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_asked', 'fee_paid', 'challan',
6d ago	system:ingest	title_doc_on_case_filing_open	{'was': 'BANK', 'why': "the sweep — the branch's title document is on the case — the filing is the NOI team's move", 'file': '3. Index II.pdf', 'kind': 'index2'}
6d ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'new mail', 'docs': ['3. Index II.pdf', 'DocScanner 09-Sep-2026 05-07 PM.pdf', 'Co App Adhar.pdf', 'App Adhar.pdf', 'Co App Pan.pdf', 'DocScanner 10-Aug-2026 11-50 AM.pdf'], 'after': {'addresses': {
6d ago	system:extract	address_compared	{'sig': '08a0dd100d4e30d0', 'why': 'after gather', 'people': [{'home': 'Flat No 1, Plot No 9 Sr No 893/5/2/9 Laxmi Kuber App Guru, Givind Singh School Wadala Pathardi Road Nashik Nashik, Cidco Colony Nashik Nashik, Nashi
6d ago	system:extract	challan_boxes_composed	{'fp': '70bfab5598f0e04c', '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': 'boxes', 'box1': 'FLAT NO 1 101 1ST FLOOR LAXMI KU
6d ago	system:extract	box_taken_over_by_paper	{'box': 'property.road', 'now': 'Wadala Pathardi Road', 'src': 'sanction_letter', 'was': 'Indira Nagar, Behind Kuber Park Apartment, Near Gurugovind Singh Collage Road', 'why': "no paper put the old value there — it came
6d ago	system:extract	box_taken_over_by_paper	{'box': 'party.mobile#1', 'now': '9405357618', 'src': 'aadhaar', 'was': '9423257018', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. aadhaar prints this, and the pri
6d ago	system:extract	property_self_check	{'ok': False, 'why': "EzDocs judged every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Road', 'why': 'The
6d ago	system:extract	property_from_index2	{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': '3. Index II.pdf', 'changed': {'flat_no': {'was': 'Flat No 1(101)', 'index2
6d ago	system:extract	index2_people_checked	{'doc_id': 'f386e0f3-fb4f-4fac-857c-22cadde3f1ea', 'differs': 2, 'matched': [{'score': 0.98, 'person': 'SANTOSH RAMJI VISHWAKARMA', 'pan_agrees': False}, {'score': 0.86, 'person': 'SARITA S VISHWAKARMA', 'pan_agrees': Fa
6d ago	system:extract	index2_pan_differs	{'why': "the Index II's purchaser row prints a different PAN from the card on the case — either the KYC is someone else's or the registrar typed it wrong; a person decides", 'doc_id': 'f386e0f3-fb4f-4fac-857c-22cadde3f1e
6d ago	system:extract	index2_pan_differs	{'why': "the Index II's purchaser row prints a different PAN from the card on the case — either the KYC is someone else's or the registrar typed it wrong; a person decides", 'doc_id': 'f386e0f3-fb4f-4fac-857c-22cadde3f1e
6d ago	system:ingest	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': 12.1, 'workers': 3}
6d ago	system:ingest	document_received	{'file': '3. Index II.pdf', 'doc_type': 'index2', 'confidence': 0.99}
12d ago	ezdocs:reader	reader_home_address	{'fp': 'bc3543ab8b412317', 'from': 'the sanction letter (DocScanner 09-Sep-2026 05-07 PM.pdf)', 'home': {'pin': '422009', 'area': 'NAGAI CORNER, INDIRA NAGAR NASHIK', 'flat': 'GHAR NO 323/174/4', 'state': 'MAHARASHTRA',
14d ago	ezdocs:reader	letter_home_read462	{'fp': 'doc:7aa4c301-2086-43a6-9d4b-f697f8fba294', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'DocScanner 09-Sep-2026 05-07 PM.pdf', 'asked': True,
14d ago	system:learn	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed ACxxxxxxXJ — no paper on the
15d ago	system:emails	email_shadowed:index2_chase	{'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5194119) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
17d ago	system:ingest	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
19d ago	system:reconcile	challan_other_case_checked	{'why': "the same borrower's other loans do not carry this challan's figure", 'doc_id': '722f6a81-94a0-4eb1-a3f9-2400cf5d1533'}
19d ago	system:emails	email_shadowed:index2_chase	{'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5194119) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
22d ago	system:emails	email_shadowed:index2_chase	{'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5194119) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
25d ago	system:payments	credit_on_another_case	{'how': 'utr', 'utr': '662758962075', 'why': 'NOI-2026-01937 has a receipt naming this same credit (the same UTR) — a person must say whose money it is', 'amount': 18600.0, 'other_case': 'NOI-2026-01937'}

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

Papers

All 8 in hand

Nothing more to ask the branch for

Money

₹18,600 claimed · credit not seen

Counts as received only on the credit SMS or a person's Verify.

Challan & filing

Done — Index II shared

The case is closed.

Next — whose move

No one

done

Needs your eyes: Payment needs a person to check (see Money). The work is done — our fee of ₹18,640.45 is still not in our account. Chase the branch for it. This UTR already verified case NOI-2026-00220.

10 Oct3 things

Closed from the NOI team's own words — the Index II was already shared with the branch

Nothing more to do on this case.