⚠The PNB mailbox has used 149% of what Google lets it send in 24 hours (744 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-03275

Sachin Gopinath Rathod

LAN 77000359051 Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

Papers for our fileworked by hand

9 of 9 in hand.
this case was worked by hand before the app saw the thread — the challan and the filing are already done; nothing below is blocking anyone

The made challan does not match the case: district on the challan 'CHHATRAPATI SAMBHAJINAGAR' — the case says 'Aurangabad' — open the challan file and check before anything is shared.

✓Payment screenshot — shows ₹28,750; money not verified yetopen

✓Technical reportopen

✓LSR (search report)open

✓Sanction letteropen

✓Selfie / photoopen

✓Aadhaar cardopen

✓PAN cardopen

✓Paid challan (GRAS)open

✓Property address — verified by EzDocs, from the technical report (correct below if anything is off)

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

For you to check

Challan on file does not agree with the case. Open it before paying or sharing.

Moneynot worked out yet

No fee computed yet — it appears the moment the loan amount is known.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 19 minour time · 8 Oct 13:07

Index II —not yet

the NOI team 7 d 3 htotal 7 d 3 h so far

Now with the NOI team — e-filing on IGR

since 8 Oct 13:07 — 7 d 3 h of working time

Day by day — every step and who held it

8 Oct 12:48Your branch's mail

8 Oct 12:55Papers read+7 min · the NOI team

8 Oct 12:55Property readat once

8 Oct 12:55Papers readat once

8 Oct 13:07Challan made+12 min · the NOI team

Case facts

Bank

ICICI_HFC

Loan amount

—

Loan account no.

77000359051

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

Wait for the branch's Index II, then file the NOI

The challan is paid. Open the e-filing portal — log in, and the NOI Co-pilot takes it from there: it types the Date of Mortgage (the portal creates the token right then, and it is written on this case), opens each page as the portal turns it yellow, picks every list with EzDocs and reads every page back against the case before it says “filled”. You check, do photo/thumb, and press each Save and the final submit. Then press this so the branch knows — it is what they chase when they ask for the token.

The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. EzDocs asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.

Before opening the portal, EzDocs sees:

• DO NOT SAVE — Property Owner mismatch with Applicants: Legal Scrutiny Report says Name of the Property Owner/s: Shri Rajendra Narayan Giri; Sanction Letter says Applicants are Sachin Gopinath Rathod and Vandana Sachin Rathod. The notice of intimation must be executed by the legal owner who deposits the title deeds. The legal report states the owner is Shri Rajendra Narayan Giri, whereas the loan applicants are Sachin and Vandana Rathod, and no registered sale deed transferring ownership to the applicants is yet executed. Confirm with the branch whether Shri Rajendra Narayan Giri must be joined as a mortgagor on the challan and e-filing, or if a registered sale deed/assignment has been completed.

• payment NOT verified — office rule: no filing before credit

• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save

• 17 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: district, taluka, village, Hadd type, Hadd name, road

• Loan Amount: 39,00,000 — the figure the paid challan prints (SACHIN GOPINATH RATHOD EchallanMH0116083, GRN MH011608358202627E); the case holds nothing. The notice is filed on the challan that was paid.

• changed — district: the case held AURANGABAD; filled CHHATRAPATI SAMBHAJINAGAR — EzDocs (reading the whole file), from Technical Report and Legal Scrutiny Report, reads it so

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 — 1 stops the challan and the filing the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

STOPProperty Owner mismatch with Applicants

Legal Scrutiny Report	Name of the Property Owner/s: Shri Rajendra Narayan Giri
Sanction Letter	Applicants are Sachin Gopinath Rathod and Vandana Sachin Rathod Customer Name: SACHIN GOPINATH RATHOD, VANDANA SACHIN RATHOD

Why it matters: The notice of intimation must be executed by the legal owner who deposits the title deeds. The legal report states the owner is Shri Rajendra Narayan Giri, whereas the loan applicants are Sachin and Vandana Rathod, and no registered sale deed transferring ownership to the applicants is yet executed.

What to do: Confirm with the branch whether Shri Rajendra Narayan Giri must be joined as a mortgagor on the challan and e-filing, or if a registered sale deed/assignment has been completed.

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

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

The bank branch has sent the loan documents. The NOI team needs to review these documents and ask for the fee.

the history says the next move is with the NOI team — fee_asked

✓ loan papers sent — done, mail 1 (2026-10-08) “Please Find Attachment”

read over 1 mail(s), last mail 2026-10-08 · read 7d 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 found boxes that do NOT agree with the document (7d 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	MH011608358202627E	—	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 EzDocs 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 EzDocs, not sent

Index II pending — NOI NOI-2026-03275 | 77000359051

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: 77000359051) 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 4 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,
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969

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

AK aniket.kayasth@icicihfc.com icicihfc.com
08 Oct, 12:48 · 7d ago THE FIRST MAIL — how this case began

NOI Application No 77000359051, 77000359050//SACHIN GOPINATH RATHOD

📎 IMG-20261008-WA0020.jpg ↗📎 IMG-20261008-WA0019.jpg ↗📎 tec rathod.pdf ↗📎 LSR (Sachin Rathod-Aniket Kayasth) MIDC Wa ↗📎 Rathod Letter.pdf ↗📎 SR.jpg ↗📎 VR.jpg ↗📎 Sachin kyc.pdf ↗📎 Vandana Kyc.pdf ↗

Please Find Attachment

Get Outlook for Android<https://aka.ms/AAb9ysg>

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
08 Oct, 13:08 · 7d ago

📎 SACHIN GOPINATH RATHOD EchallanMH011608358 ↗

Team

PFA Challan for your reference.

Aradhana Rai

NOI Coordinator | One Legal

+91 8888706969

earlier mails quoted below

On Thu, 8 Oct 2026 at 12:49, Aniket Kayasth /DIST/ICICIHFC/ARBD <
aniket.kayasth@icicihfc.com> wrote:

Please Find Attachment

Get Outlook for Android <https://aka.ms/AAb9ysg>

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

OL The NOI teamTYPED IN GMAIL
08 Oct, 13:08 · 7d ago

Team

Kindly share the index 2 copy for the NOI Process

Aradhana Rai

NOI Coordinator | One Legal +91 8888706969

earlier mails quoted below

On Thu, 8 Oct 2026 at 13:08, NOI ICICIHFC < icicihfcnoi@ezdocs.co.in > wrote:

Team

PFA Challan for your reference.

Aradhana Rai
NOI Coordinator | One Legal +91 8888706969

On Thu, 8 Oct 2026 at 12:49, Aniket Kayasth /DIST/ICICIHFC/ARBD < aniket.kayasth@icicihfc.com > wrote:

Please Find Attachment

Get
Outlook for Android

🤖 read: asks the branch for documents — “Kindly share the index 2 copy for the NOI Process”

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	IMG-20261008-WA0020.jpg	filed	7d ago
Payment screenshot	IMG-20261008-WA0019.jpg	filed	7d ago
Technical report	tec rathod.pdf	filed	7d ago
LSR (search report)	LSR (Sachin Rathod-Aniket Kayasth) MIDC Walunj Wadgaon K_Sign.pdf	filed	7d ago
Sanction letter	Rathod Letter.pdf	filed	7d ago
Selfie / photo	SR.jpg	filed	7d ago
Selfie / photo	VR.jpg	filed	7d ago
Aadhaar card+ PAN card inside+ Selfie / photo inside	Sachin kyc.pdf	filed	7d ago
PAN card+ Aadhaar card inside	Vandana Kyc.pdf	filed	7d ago
Paid challan (GRAS)	SACHIN GOPINATH RATHOD EchallanMH011608358202627E.pdf	filed	7d 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 (our working)
—

Screenshot claims
₹28,750

Where it stands
not verified — no credit seen

This payment went to Adv Rashmi Singh's account at 2026-10-08 — no office phone hears that account. Please verify manually. Verify manually ↓

Fee working (ours)

No fee computed yet — it appears the moment the loan amount is known.

Property (must be perfect)

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

Empty: Date of Mortgage, Loan (Rs.), Title deed no / year / SRO, Floor (person 1), Road (person 1), Floor (person 2)

21 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 (7d ago) — open the verification page; they are marked in red.

CHECKED by EzDocs, from the technical report — correct any box that is off; a correction clears thissource: the technical report (tec rathod.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

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

⚠ not 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.

House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad)

saving a change clears verification until someone verifies again

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

the technical report BASE — the challan follows this

tec rathod.pdf

Property Address line
HOUSE NO.2, PLOT NO. RM-101 PART 2, WALUJ INDUSTRIAL AREA, NEAR BHAGWAN MAHAVEER SCHOOL, AT WADGAONKOLHATI, TAL AND DIST CHH SAMBHAJINAGAR (AURANGABAD)

PIN
431133

the legal report (TSR)

LSR (Sachin Rathod-Aniket Kayasth) MIDC Walunj Wadgaon K_Sig

as printed
HOUSE NO. 2, ADMEASURING 123.2 SQUARE METERS, ON PLOT NO. R.M. 101/PART, SITUATED ON THE PROJECT NAMED 'WALUJ MIDC AREA', SITUATED ON LAND MAUJE WADGAON KO, TALUKA AND DISTRICT CHHATRAPATI SAMBHAJINAGAR

THE CHALLAN, as it will be typed

Flat/Survey Number
HOUSE NO 2 PLOT NO RM-101 PART 2 WALUJ INDUSTRIAL AREA NEAR BHAGWAN MAHAVEER SCHOOL

Locality/Road
AT WADGAONKOLHATI TAL AND DIST CHH SAMBHAJINAGAR AURANGABAD

Area/City
AURANGABAD

check or correct a box, the papers beside it →

the legal report (TSR) also prints: 101/PART, 123, CHHATRAPATI, KO, MIDC, NAMED, 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
mortgagor	SACHIN GOPINATH RATHOD	BKHPR5271A	…0198
co_mortgagor	VANDANA SACHIN RATHOD	CYRPP9999L	…9661

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
document chase	aniket.kayasth@icicihfc.com	7d ago
document chase	aniket.kayasth@icicihfc.com	7d ago
questions for the branch — what the papers leave open	aniket.kayasth@icicihfc.com	7d ago
Index II chase	aniket.kayasth@icicihfc.com	2d ago

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

Payment screenshot IMG-20261008-WA0020.jpg needs your check

utr
969225265368

date
2026-10-08

time
12:17

amount
50

method
PhonePe

payee upi
9594998979m@pnb

payee name
ADV RASHMI SINGH ASSOCIATES

debit notification text
Transaction Successful

raw reading (for Abhijit)

{'utr': '969225265368', 'date': '2026-10-08', 'time': '12:17', 'amount': 50, 'method': 'PhonePe', 'payee_upi': '9594998979m@pnb', 'payer_upi': None, 'payee_name': 'ADV RASHMI SINGH ASSOCIATES', 'payer_name': None, 'debit_notification_text': 'Transaction Successful'}

Payment screenshot IMG-20261008-WA0019.jpg needs your check

utr
841768629005

date
2026-10-08

time
12:15

amount
28700

method
UPI

payee upi
9594998979m@pnb

payee name
ADV RASHMI SINGH ASSOCIATES

raw reading (for Abhijit)

{'utr': '841768629005', 'date': '2026-10-08', 'time': '12:15', 'amount': 28700, 'method': 'UPI', 'payee_upi': '9594998979m@pnb', 'payer_upi': None, 'payee_name': 'ADV RASHMI SINGH ASSOCIATES', 'payer_name': None, 'debit_notification_text': None}

Technical report tec rathod.pdf needs your check

found
True

found in
INDIVIDUAL TECHNICAL REPORT

paper for
loan_ref: 77000359050; report_id: HRQ-26-170187; customer_name: Sachin Gopinath Rathod

confidence
1.0

reading486
property

address lines
taken: both the same; legal_address: House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad); property_address: House No.2,

property address
pin: 431133; state: Maharashtra; taluka: Chh Sambhajinagar; Flat no: House No.2; district: Aurangabad; landmark: Near Bhagwan Mahaveer School, Waluj; Address: House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Are

security address verbatim
House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad)

raw reading (for Abhijit)

{'found': True, 'found_in': 'INDIVIDUAL TECHNICAL REPORT', 'area_sq_m': None, 'paper_for': {'loan_ref': '77000359050', 'report_id': 'HRQ-26-170187', 'customer_name': 'Sachin Gopinath Rathod'}, 'pin_other': None, 'confidence': 1.0, '_reading486': 'property', 'address_lines': {'taken': 'both the same', 'legal_address': 'House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad)', 'property_address': 'House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad)'}, 'property_address': {'pin': '431133', 'road': None, 'state': 'Maharashtra', 'taluka': 'Chh Sambhajinagar', 'flat_no': 'House No.2', 'district': 'Aurangabad', 'floor_no': None, 'landmark': 'Near Bhagwan Mahaveer School, Waluj', 'full_address': 'House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad)', 'village_city': 'Wadgaonkolhati', 'building_name': None, 'survey_or_cts_no': 'Plot No. Rm-101 Part 2'}, 'security_address_verbatim': 'House No.2, Plot No. Rm-101 Part 2, Waluj Industrial Area, Near Bhagwan Mahaveer School, At Wadgaonkolhati, Tal And Dist Chh Sambhajinagar (Aurangabad)'}

LSR (search report) LSR (Sachin Rathod-Aniket Kayasth) MIDC Walunj Wadgaon K_Sign.pdf needs your check

found
True

found in
PART I: PROPERTY DETAILS

area sq m
123.2

paper for
loan_ref: 77000359050; customer_name: Shri Sachin Gopinath Rathod and Smt Vandana Sachin Rathod

confidence
0.95

reading486
property

property address
taluka: Chhatrapati Sambhajinagar; Flat no: House No. 2; district: Chhatrapati Sambhajinagar; Address: House No. 2, on Plot No. R.M. 101/Part, Waluj MIDC Area, Mauje Wadgaon Ko, Taluka and District Chhatrapati Sambh

security address verbatim
House No. 2, admeasuring 123.2 Square Meters, on Plot No. R.M. 101/Part, situated on the project named 'Waluj MIDC Area', situated on Land Mauje Wadgaon Ko, Taluka and District Chhatrapati Sambhajinagar

raw reading (for Abhijit)

{'found': True, 'found_in': 'PART I: PROPERTY DETAILS', 'area_sq_m': 123.2, 'paper_for': {'loan_ref': '77000359050', 'report_id': None, 'customer_name': 'Shri Sachin Gopinath Rathod and Smt Vandana Sachin Rathod'}, 'pin_other': None, 'confidence': 0.95, '_reading486': 'property', 'address_lines': None, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': 'Chhatrapati Sambhajinagar', 'flat_no': 'House No. 2', 'district': 'Chhatrapati Sambhajinagar', 'floor_no': None, 'landmark': None, 'full_address': 'House No. 2, on Plot No. R.M. 101/Part, Waluj MIDC Area, Mauje Wadgaon Ko, Taluka and District Chhatrapati Sambhajinagar', 'village_city': 'Wadgaon Ko', 'building_name': 'Waluj MIDC Area', 'survey_or_cts_no': 'Plot No. R.M. 101/Part'}, 'security_address_verbatim': "House No. 2, admeasuring 123.2 Square Meters, on Plot No. R.M. 101/Part, situated on the project named 'Waluj MIDC Area', situated on Land Mauje Wadgaon Ko, Taluka and District Chhatrapati Sambhajinagar"}

Selfie / photo SR.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}

Selfie / photo VR.jpg needs your check

kind
live_selfie

legible
True

confidence
1.0

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1.0, 'face_visible': True, 'quality_issue': None}

Sanction letter Rathod Letter.pdf needs your check

lan
77000359050

legible
True

purpose
Home Loan and Purchase/Improvement of Property

borrowers
{'name': 'SACHIN GOPINATH RATHOD', 'role': 'applicant', 'label': 'Customer Name'}, {'name': 'VANDANA SACHIN RATHOD', 'role': 'co_applicant', 'label': 'Customer Name'}

loan type
Home Loan

confidence
1

rate words
IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)10.60% 8.30 %p.a

linked refs
77000359051

loan amount
3900000

rate spread
-10.6

final amount
3900000

interest rate
8.3

sanction date
07/10/2026

letter version
HF-38-VER-14-01072026/KFS

reference rate
18.9

applicant email
sachinrathod2224@gmail.com

applicant names
SACHIN GOPINATH RATHOD, VANDANA SACHIN RATHOD

printed altered
False

applicant mobile
9637168866

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
RH NO A-10 Balaji Nagari, Wadgaon Kolhati Aurangabad Balaji Nagar, Bajaj Nagar Midc Waluj, Aurangabad, AURANGABAD, MAHARASHTRA, IN, 431136

raw reading (for Abhijit)

{'lan': '77000359050', 'legible': True, 'purpose': 'Home Loan and Purchase/Improvement of Property', 'borrowers': [{'name': 'SACHIN GOPINATH RATHOD', 'role': 'applicant', 'label': 'Customer Name'}, {'name': 'VANDANA SACHIN RATHOD', 'role': 'co_applicant', 'label': 'Customer Name'}], 'loan_type': 'Home Loan', 'confidence': 1, 'rate_words': 'IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)10.60% 8.30 %p.a', 'handwritten': [], 'linked_refs': ['77000359051'], 'loan_amount': 3900000, 'rate_spread': -10.6, 'final_amount': 3900000, 'interest_rate': 8.3, 'quality_issue': None, 'sanction_date': '07/10/2026', 'letter_version': 'HF-38-VER-14-01072026/KFS', 'reference_rate': 18.9, 'applicant_email': 'sachinrathod2224@gmail.com', 'applicant_names': ['SACHIN GOPINATH RATHOD', 'VANDANA SACHIN RATHOD'], 'printed_altered': False, 'applicant_mobile': '9637168866', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'RH NO A-10 Balaji Nagari, Wadgaon Kolhati Aurangabad Balaji Nagar, Bajaj Nagar Midc Waluj, Aurangabad, AURANGABAD, MAHARASHTRA, IN, 431136'}

Aadhaar card Sachin kyc.pdf needs your check

dob
1989-05-11

pan
BKHPR5271A

name
SACHIN GOPINATH RATHOD

address
pin: 431136; area: AT.WADGAON KO, TQ.AURANGABAD, WADGAON KOLHATI; flat: RH NO A-10; state: MAHARASHTRA; building: BALAJI NAGARI; district: AURANGABAD; Village: AURANGABAD

legible
True

father name
GOPINATH RATHOD

aadhaar last4
0198

raw reading (for Abhijit)

{'dob': '1989-05-11', 'pan': 'BKHPR5271A', 'name': 'SACHIN GOPINATH RATHOD', 'mobile': None, 'address': {'pin': '431136', 'area': 'AT.WADGAON KO, TQ.AURANGABAD, WADGAON KOLHATI', 'flat': 'RH NO A-10', 'road': None, 'floor': None, 'state': 'MAHARASHTRA', 'building': 'BALAJI NAGARI', 'district': 'AURANGABAD', 'post_office': None, 'village_city': 'AURANGABAD'}, 'legible': True, 'father_name': 'GOPINATH RATHOD', 'aadhaar_last4': '0198', 'quality_issue': None}

PAN card Vandana Kyc.pdf needs your check

dob
1992-05-30

pan
CYRPP9999L

name
VANDANA SACHIN RATHOD

address
pin: 431136; area: Balaji Nagar, Wadgaon Kolhati; flat: RH No A-10; road: Gut No 48; state: Maharashtra; district: Aurangabad; Village: Aurangabad

legible
True

father name
GABBU PAWAR

aadhaar last4
9661

raw reading (for Abhijit)

{'dob': '1992-05-30', 'pan': 'CYRPP9999L', 'name': 'VANDANA SACHIN RATHOD', 'mobile': None, 'address': {'pin': '431136', 'area': 'Balaji Nagar, Wadgaon Kolhati', 'flat': 'RH No A-10', 'road': 'Gut No 48', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Aurangabad', 'post_office': None, 'village_city': 'Aurangabad'}, 'legible': True, 'father_name': 'GABBU PAWAR', 'aadhaar_last4': '9661', 'quality_issue': None}

Aadhaar card Sachin kyc.pdf needs your check

dob
1989-05-11

pan
BKHPR5271A

name
SACHIN GOPINATH RATHOD

address
pin: 431136; area: at.wadgaon ko tq.aurangabad, balaji nagari, Wadgaon Kolhati; flat: RH NO A-10; state: Maharashtra; district: Aurangabad; Village: Aurangabad

legible
True

father name
GOPINATH RATHOD

aadhaar last4
0198

raw reading (for Abhijit)

{'dob': '1989-05-11', 'pan': 'BKHPR5271A', 'name': 'SACHIN GOPINATH RATHOD', 'mobile': None, 'address': {'pin': '431136', 'area': 'at.wadgaon ko tq.aurangabad, balaji nagari, Wadgaon Kolhati', 'flat': 'RH NO A-10', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Aurangabad', 'post_office': None, 'village_city': 'Aurangabad'}, 'legible': True, 'father_name': 'GOPINATH RATHOD', 'aadhaar_last4': '0198', 'quality_issue': None}

PAN card Vandana Kyc.pdf needs your check

dob
1992-05-30

pan
CYRPP9999L

name
VANDANA SACHIN RATHOD

address
pin: 431136; area: Wadgaon Kolhati, Wadgaon Kolhati; flat: RH No A-10; road: Gut No 48, Balaji Nagar; state: Maharashtra; district: Aurangabad; Village: Aurangabad

legible
True

father name
GABBU PAWAR

aadhaar last4
9661

raw reading (for Abhijit)

{'dob': '1992-05-30', 'pan': 'CYRPP9999L', 'name': 'VANDANA SACHIN RATHOD', 'mobile': None, 'address': {'pin': '431136', 'area': 'Wadgaon Kolhati, Wadgaon Kolhati', 'flat': 'RH No A-10', 'road': 'Gut No 48, Balaji Nagar', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Aurangabad', 'post_office': None, 'village_city': 'Aurangabad'}, 'legible': True, 'father_name': 'GABBU PAWAR', 'aadhaar_last4': '9661', 'quality_issue': None}

Payment screenshot IMG-20261008-WA0019.jpg needs your check

payments inside
payments: [{'utr': '841768629005', 'date': '2026-10-08', 'page': 1, 'time': '12:15', 'payee': 'ADV RASHMI SINGH ASSOCIATES', 'amount': 28700.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2610081215109415

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': '841768629005', 'date': '2026-10-08', 'page': 1, 'time': '12:15', 'payee': 'ADV RASHMI SINGH ASSOCIATES', 'amount': 28700.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2610081215109415902041', 'proof_kind': 'success_screen'}]}}

Payment screenshot IMG-20261008-WA0020.jpg needs your check

payments inside
payments: [{'utr': '969225265368', 'date': '2026-10-08', 'page': 1, 'time': '12:17', 'payee': 'ADV RASHMI SINGH ASSOCIATES', 'amount': 50.0, 'direction': 'debit', 'narration': 'T2610081216593356063160', 'proof_kind': 'su

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': '969225265368', 'date': '2026-10-08', 'page': 1, 'time': '12:17', 'payee': 'ADV RASHMI SINGH ASSOCIATES', 'amount': 50.0, 'direction': 'debit', 'narration': 'T2610081216593356063160', 'proof_kind': 'success_screen'}]}}

Paid challan (GRAS) SACHIN GOPINATH RATHOD EchallanMH011608358202627E.pdf needs your check

grn
MH011608358202627E

pin
431133

total
26710.0

article
6(1)

defaced
False

bank cin
03006172026100800440

district
CHHATRAPATI SAMBHAJINAGAR

area city
AURANGABAD

payer pan
BKHXXXXXXA

flat block
HOUSE NO.2, PLOT NO. RM-101 PART 2, WALUJ INDUSTRIAL AREA, NEAR BHAGWAN MAHAVEER SCHOOL

payer name
SACHIN GOPINATH RATHOD

sro office
CSN2_JT SUB REGI CH_SAMBHAJINAGAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=3900000

scheme rows
{'amount': 11710.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX8866

payment date
08/10/2026-13:07:44

road locality
AT WADGAONKOLHATI, TAL AND DIST CHH SAMBHAJINAGAR (AURANGABAD)

second party pan
AAACI6285N

second party name
ICICI HOME FINANCE COMPANY LTD

consideration amount
3900000

raw reading (for Abhijit)

{'grn': 'MH011608358202627E', 'pin': '431133', 'total': 26710.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100800440', 'district': 'CHHATRAPATI SAMBHAJINAGAR', 'area_city': 'AURANGABAD', 'payer_pan': 'BKHXXXXXXA', 'flat_block': 'HOUSE NO.2, PLOT NO. RM-101 PART 2, WALUJ INDUSTRIAL AREA, NEAR BHAGWAN MAHAVEER SCHOOL', 'payer_name': 'SACHIN GOPINATH RATHOD', 'sro_office': 'CSN2_JT SUB REGI CH_SAMBHAJINAGAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=3900000', 'scheme_rows': [{'amount': 11710.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX8866', 'payment_date': '08/10/2026-13:07:44', 'road_locality': 'AT WADGAONKOLHATI, TAL AND DIST CHH SAMBHAJINAGAR (AURANGABAD)', 'second_party_pan': 'AAACI6285N', 'second_party_name': 'ICICI HOME FINANCE COMPANY LTD', 'consideration_amount': '3900000'}

Technical record (for Abhijit — safe to ignore)

1h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 08 Oct, 13:08 shared the paid challan — the draft it answers is taken off", 'count': 1, 'kinds': ['branch_questions']}
1d ago	EzDocs	challan_boxes_by_rules	{'fp': '5e31690f5bf127f9', 'why': "EzDocs' city is not the case's district (CHHATRAPATI SAMBHAJINAGAR)", 'anew': 'first'}
1d ago	EzDocs	reader_efiling_verdict	{'fp': 'b781793f3381a450', 'asked': True, 'findings': [{'do': 'Ask the branch for the Date of Mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is required but is empty.',
2d ago	EzDocs	email_shadowed:index2_chase	{'to': 'aniket.kayasth@icicihfc.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: 77000359051) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Inde
7d ago	EzDocs	challan_mismatch_kept	{'why': "checked again with today's rules — the difference is real; a person opens the challan", 'problems': ["district on the challan 'CHHATRAPATI SAMBHAJINAGAR' — the case says 'Aurangabad'"]}
7d ago	EzDocs	challan_other_case_checked	{'why': "the same borrower's other loans do not carry this challan's figure", 'doc_id': 'e7e722a9-7f2d-4eb0-b65b-37525bc200fb'}
7d ago	EzDocs	property_self_check	{'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': "The source is the technical report's address line.", 'iss
7d 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 3900000 from the sanction
7d ago	EzDocs	challan_found_on_case	{'was': 'AWAITING_DOCS', 'why': 'a challan is on the case — it counts; a challan is on file; the case has no loan amount to judge it against', 'file': 'SACHIN GOPINATH RATHOD EchallanMH011608358202627E.pdf', 'kind': 'unr
7d 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': 'SACHIN GOPINATH RAT
7d 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': 'CSN2_JT SUB REGI CH_SAMBHAJINAGAR', 'district': 'CHHATRAPATI SAMBHAJINAGAR'}
7d ago	EzDocs	challan_mismatch	{'file': 'SACHIN GOPINATH RATHOD EchallanMH011608358202627E.pdf', 'problems': ["district on the challan 'CHHATRAPATI SAMBHAJINAGAR' — the case says 'Aurangabad'"]}
7d ago	EzDocs	challan_extracted	{'grn': 'MH011608358202627E', 'file': 'SACHIN GOPINATH RATHOD EchallanMH011608358202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 26710.0}
7d 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': '460088', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the
7d ago	Nikhil	copilot_edit	{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'ICICI_HFC', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours'
7d ago	EzDocs	quoted_history_checked	{}
7d ago	EzDocs	extra_challan_scanned	{'found': 0}
7d 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: 77000359051), the
7d ago	EzDocs	paper_locate	{'fp': 'a9da96918bea5df3', 'box': [146, 482, 172, 760], 'why': "The 'Sanctioned Loan amount (in Rupees)' is in row 2 of the table on page 2.", 'page': 2, 'what': 'letter_loan', 'asked': True, 'found': True, 'doc_id': 'bf
7d ago	EzDocs	paper_locate	{'fp': '0d76bd495ebeb2fd', 'box': [456, 160, 709, 923], 'why': "The property address is found in the 'PROPERTY ADDRESS' section, including 'Property Address', 'Legal Address', 'Location', 'City', 'State', 'Pin Code', 'Co
7d ago	EzDocs	paper_locate	{'fp': 'ab928cae611fd500', 'box': [60, 43, 940, 969], 'why': "The PAN card is on page 3, identified by 'Permanent Account Number Card' and the PAN BKHPR5271A.", 'page': 3, 'what': 'pan_card', 'asked': True, 'found': True
7d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed City 'AURANGABAD' is acceptable as it is a renamed district for 'CHHATRAPATI SAM
7d ago	EzDocs	form_checked489	{'ok': False, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 2, 'case_no': 'NOI-2026-03275'}
7d ago	copilot	copilot_pick	{'why': "the portal calls AURANGABAD 'CHHATRAPATI SAMBHAJINAGAR'", 'field': 'District', 'value': '3101', 'method': 'alias', 'picked': 'CHHATRAPATI SAMBHAJINAGAR', 'wanted': 'AURANGABAD', 'why_audit': "EzDocs chose from t
7d ago	the co-pilot	whole_file_hold	{'why': 'EzDocs read the whole file and found two papers that disagree on something the challan would carry', 'stops': ['Property Owner mismatch with Applicants']}
7d ago	EzDocs	challan_boxes_by_rules	{'fp': '5e31690f5bf127f9', 'why': "EzDocs' city is not the case's district (CHHATRAPATI SAMBHAJINAGAR)", 'anew': 'first'}
7d ago	EzDocs	reader_mail_addition	{'fp': '61dc76d5cbfcf0ae', 'add': {}, 'why': 'The mail does not add any missing address details for the property.', 'asked': True, 'quote': '', 'same_property': True}
7d ago	EzDocs	reader_home_address	{'fp': 'f330776033b45dd8', 'from': 'the sanction letter (Rathod Letter.pdf)', 'home': {'pin': '431136', 'area': 'WADGAON KOLHATI AURANGABAD BALAJI NAGAR', 'flat': 'A-10', 'state': 'MAHARASHTRA', 'building': 'BALAJI NAGAR
7d ago	EzDocs	file_note490	{'v': '1', 'at': '2026-10-08T07:26:52', 'why': 'reading', 'open': 5, 'mails': [{'at': '2026-10-08 07:18', 'id': '1a11a61466729ede', 'from': 'branch', 'gist': 'Please find attached documents.', 'subject': 'NOI Application
7d ago	EzDocs	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ['Property Owner mismatch with Applicants — Legal Scrutiny Report says Name of the Property Owner/s: Shri Raje

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

Papers

All 8 in hand

Nothing more to ask the branch for

Money

No figure yet

It appears the moment the loan amount is known.

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: Challan on file does not agree with the case. Open it before paying or sharing.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered

14:50

Yesterday · 14 Oct1 thing — 1 step

EzDocs checked the e-filing boxes against the papers

01:34

13 Oct1 thing — 1 letter written

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03275 | 77000359051