Cases / NOI-2026-02133

SAGAR KACHARU DHATRAK

LAN HOU/NSK/0826/5193415 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

What the e-filing still needs3 still to come

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

The challan was paid on another loan figure. The file adds up to ₹61,570; it reads: ₹46,570 (stamp-duty head), ₹15,000 (registration head); this case’s figures say ₹40,830 (0.3% ₹25,830 + 0.5% ₹15,000 on a loan of ₹86,06,000); the challan itself says a loan of ₹1,55,20,000. No sanction letter on this file prints ₹1,55,18,335–₹1,55,21,668, alone or with another — is it this customer’s challan? Open it before pressing either button. The NOI team paid it, so the case is past the challan — but the e-filing must carry the challan’s figure. Settle the loan amount before filing.

✓Sanction letteropen

✓Paid challan (GRAS)open

✓Payment screenshot — money verified — inside Sagar Dhatrak NOI Set.pdfopen

✓Selfie / photo — inside Sagar Dhatrak NOI Set.pdfopen

✓PAN card — inside Sagar Dhatrak NOI Set.pdfopen

Applicant's Aadhaar Card — still needed

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 (3)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.

MoneyAll of it is in

₹42,650.73CASE MARK

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

₹63,400 receivedmatches the branch's receipt

Stamp duty 0.3%25,830

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.73

Total we ask for42,650.73

the branch’s receipt claims ₹63,400 429307934412

paid 21 Sep 17:02:42 · verified 21 Sep 18:16:49 · 1 h 14 min later

How we know

Our own bank told us — 21 Sep 17:02

₹63,400 · UTR AXNGG26459602314 · from VA-PNBSMS-S · a/c …3164

“Ac XX3164 Credited with Rs.63400.00,21-09-2026 17:02:42 thru NEFT from AXNGG26459602314/GOOGLE INDIA DIGITAL. Aval Bal 115676.65 CR Helpline 18001800/18002021-PNB”

Matched by: the screenshot's amount equals this credit

By law ₹42,638. We ask ₹42,650 (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 ₹63,360 — accept as full (₹20,709.27 = our margin).

BANK ARITHMETIC — its own rows don't add up

The branch's mail adds up wrong: its rows come to Rs.61,860 against a stated total of Rs.63,360. Collect Rs.42,638.

the branch's own words

The branch's mail said: stamp duty (0.30%): bank says Rs.46,560, computed Rs.25,818 (difference Rs.20,742); total payable: bank says Rs.63,360, computed Rs.42,638 (difference Rs.20,722); the bank's own rows sum to Rs.61,860 but its total says Rs.63,360

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 43 minour time · 21 Sep 18:46

Index II —not yet

the NOI team 24 d 1 htotal 24 d 1 h so far

Now with the NOI team — e-filing on IGR

since 21 Sep 18:46 — 24 d 1 h of working time

Day by day — every step and who held it

21 Sep 18:03Your branch's mail

21 Sep 18:03Payment landedat once

21 Sep 18:06Papers read+3 min · the NOI team

21 Sep 18:06Property readat once

21 Sep 18:07Fee quotedat once

21 Sep 18:16Payment verified+10 min · the NOI team

21 Sep 18:46Challan made+30 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹86,06,000

Loan account no.

HOU/NSK/0826/5193415

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

CONFIRM THE PROPERTY — then file

Taluka, Building, Floor, Area are empty — the portal will not take a blank.

✗ EzDocs found boxes that do NOT agree with the document (24d ago) — open the verification page; they are marked in red.

Fill it on the verification page first →

See the boxes — read from the sanction letter

District

Nashik

Taluka

(empty)

Village

Nashik

Number type

SURVEY

Number

33/1/A/2

Building

(empty)

Floor

(empty)

Flat / shop no

Area

(empty)

Hadd

(empty)

Read from the sanction letter, not the Index II. Sagar Dhatrak NOI Set.pdf open it · If an Index II is on file, read the property from it.

To look first, or to fix a box, open the verification page — the document beside every box.

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 — the loan: the paid challan (₹61,570, GRN MH010573773202627E) was worked on a loan of ₹1,55,18,335–₹1,55,21,668; this case holds ₹86,06,000, and no sanction letter on the file prints that figure, alone or with another. Open the challan: is it this customer's, and which figure is the loan? On the case page, set the loan to the challan's figure if it is right, or mark the challan wrong — this clears then.

• DO NOT SAVE — the last reading of this whole file found: loan amount; multiple loan accounts in mail. A fresh reading is being made; press Fill again in a minute — the blue Fill button at the top of the co-pilot, beside the case number.

• Mortgagor pages: MAYURI SAGAR DHATRAK is named on the sanction letter (Sagar Dhatrak NOI Set.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

• Mortgagor pages: DHATRAK SANTOSH KACHARU is named on the sanction letter (Sagar Dhatrak NOI Set.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

• Mortgagor pages: PRAVIN TRADING COMPANY is named on the sanction letter (Sagar Dhatrak NOI Set.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

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

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.

⚠ 2 differences between the papers — 2 stop 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

STOPLoan amount (the last reading of the file — the papers changed since)

The sanction letter	INR 8606000 Total Loan Amount INR 8606000 (INR Eighty Six Lakh Six Thousand Only)
The branch's mail	15520000 Loan Amount 15520000

Why it matters: The challan fee is calculated on the loan amount. A wrong amount means a wrong fee and potential rejection.

What to do: The branch must clarify which loan amount is correct for this specific NOI filing. The Sanction Letter's amount is used as the primary source for this NOI.

STOPMultiple loan accounts in mail (the last reading of the file — the papers changed since)

The sanction letter	HOU/NSK/0826/5193415 (Housing Loan) Ref No.: HOU/NSK/0826/5193415
The sanction letter	NHL/NSK/0926/5217699 (Non Housing Loan, Personal use) Ref No.: NHL/NSK/0926/5217699
The branch's mail	HOU/NSK/0826/5193415 & NHL/NSK/0926/5217699 Lan No HOU/NSK/0826/5193415 & NHL/NSK/0926/5217699

Why it matters: An NOI is filed for a specific mortgage. If the mail implies a combined filing or refers to a non-housing loan, it needs clarification.

What to do: Confirm with the branch that the NOI is only for the housing loan (HOU/NSK/0826/5193415) and not the personal loan.

Compared: the sanction letter; 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 branch has sent all the required documents and paid the fees. The team has shared the challan and is now waiting to file the NOI.

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

the history says the branch sent the Index II / sale deed, but no such paper is on the case — the attachment may not have been stored or read; open that mail and upload it under All documents

✓ loan papers sent — done, mail 1 the sentence it relies on is not in that mail — not counted

✓ fee paid — the branch's words — done, mail 1 (2026-09-21) “Payment details attached”

⏳ challan made — promised, mail 2 (2026-09-21) “We will initiate the challan for the same.”

✓ challan shared — done, mail 3 (2026-09-21) “PFA challan for your reference.”

✓ Index II asked for — done, mail 2 (2026-09-21) “For NOI filing, We need an index 2 copy.”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-09-21) “Index II Copy OTC.”

read over 3 mail(s), last mail 2026-09-21 · read 24d 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 (24d 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	MH010573773202627E	—	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-2026-02133 | HOU/NSK/0826/5193415

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) 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 21 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

AK abhijeet.kale@phfl.com phfl.com
21 Sep, 18:03 · 24d ago THE FIRST MAIL — how this case began

Process 0.3 & 0.5 Challan in case of SAGAR KACHARU DHATRAК "HOU/NSK/0826/5193415 & NHL/NSK/0926/5217699 "

📎 image001.jpg ↗📎 Sagar Dhatrak NOI Set.pdf ↗

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case

Loan account (LAN)HOU/NSK/0826/5193415

Loan amount₹1,55,20,000

Stamp duty 0.30%₹46,560

Registration fee 0.50%₹15,000

DHC₹300

Service / vendor fees₹1,500

Total₹63,360

✓ 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

Customer NameSAGAR KACHARU DHATRAК

& NHL/NSK/0926/5217699

*Index II CopyOTC.

Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
21 Sep, 18:26 · 24d 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 Mon, 21 Sept 2026 at 18:06, Abhijeet Anil Kale <abhijeet.kale@phfl.com>

wrote:

earlier mails quoted below

Dear Team, Kindly process 0.3 & 0.5 Challan in below case

Customer Name  SAGAR KACHARU DHATRAК
Lan No  HOU/NSK/0826/5193415 & NHL/NSK/0926/5217699
Loan Amount  15520000

LOAN AMOUNT 15520000
0.30% 46560
0.50% 15000
FEES 1500
DHC 300
TOTAL 63,360

*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,

*Abhijeet Anil Kale *

Branch Operation Executive

Nashik Branch
Mobile - 7798119942 <(779)%20811-9942>

----- Forwarded Message ----

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

🤖 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
21 Sep, 18:49 · 24d ago

📎 SAGAR KACHARU DHATHAK.pdf ↗

Team,

PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Mon, 21 Sept 2026 at 18:26, 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 Mon, 21 Sept 2026 at 18:06, Abhijeet Anil Kale <abhijeet.kale@phfl.com>
wrote:

>
> Dear Team, Kindly process 0.3 & 0.5 Challan in below case
>
>
> Customer Name SAGAR KACHARU DHATRAК
> Lan No HOU/NSK/0826/5193415 & NHL/NSK/0926/5217699
> Loan Amount 15520000
>
>
> LOAN AMOUNT 15520000
> 0.30% 46560
> 0.50% 15000
> FEES 1500
> DHC 300
> TOTAL 63,360
>
>
> *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,
>
> *Abhijeet Anil Kale *
>
> Branch Operation Executive
>
> Nashik Branch
> Mobile - 7798119942 <(779)%20811-9942>
>
>
> ----- Forwarded Message ----
>
> ----- Forwarded Message -----
> ------------------------------
>
>
>
>

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

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

Document	File — click to open	Status	When
Other	image001.jpg	filed	24d ago
Sanction letter+ Payment screenshot inside+ Selfie / photo inside+ PAN card inside	Sagar Dhatrak NOI Set.pdf	filed	24d ago
Paid challan (GRAS)	SAGAR KACHARU DHATHAK.pdf	filed	24d 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
₹42,650.73

Where it stands
VERIFIED — money received

Screenshot claims
₹63,400 429307934412

Paid at
21 Sep 17:02:42

Verified on
21 Sep 18:16:49

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹25,830	₹15,000	₹320	₹1,500	₹42,650

By law ₹42,638. We ask ₹42,650 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

21 of 34 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Taluka, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Building (with wing), Floor …

17 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, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Flat / shop no, Property type (Open / Building / Open + Building) …

✗ EzDocs found boxes that do NOT agree with the document (24d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (Sagar Dhatrak NOI Set.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)

empty

Flat / shop no

✓ in the document

Floor

empty

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not 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 15, S No 33/1/A/2, CTS No 1003, Anandvalli, Near Gulmohar Colony, Nashik, Pipeline Road, Nashik, MAHARASHTRA, India, 422013

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

Sagar Dhatrak NOI Set.pdf

as printed
PLOT NO 15, S NO 33/1/A/2, CTS NO 1003, ANANDVALLI, NEAR GULMOHAR COLONY, NASHIK, PIPELINE ROAD, NASHIK, MAHARASHTRA, INDIA, 422013

PIN
422013

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 15 SURVEY NO 33/1/A/2 CTS NO 1003

Locality/Road
PIPELINE ROAD NEAR GULMOHAR COLONY NASHIK

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	SAGAR KACHARU DHATRAK	BCUPD3897H

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	abhijeet.kale@phfl.com	24d ago
fee quote	abhijeet.kale@phfl.com	24d ago
document chase	abhijeet.kale@phfl.com	24d ago
Index II chase	abhijeet.kale@phfl.com	21d ago
Index II chase	abhijeet.kale@phfl.com	15d ago
Index II chase	abhijeet.kale@phfl.com	13d ago
Index II chase	abhijeet.kale@phfl.com	10d ago
Index II chase	abhijeet.kale@phfl.com	7d ago
Index II chase	abhijeet.kale@phfl.com	2d ago

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

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 Sagar Dhatrak NOI Set.pdf needs your check

lan
HOU/NSK/0826/5193415

legible
True

borrowers
{'name': 'SAGAR KACHARU DHATRAK', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MAYURI SAGAR DHATRAK', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'DHATRAK SANTOSH KACHARU', 'role': 'applicant', 'label':

loan type
Housing Loan, Housing

confidence
1

loan amount
8316000

final amount
8606000

interest rate
8.5

sanction date
29-Aug-2026

letter version
7

applicant email
sagardhatrak0001@gmail.com

applicant names
SAGAR KACHARU DHATRAK, MAYURI SAGAR DHATRAK, DHATRAK SANTOSH KACHARU, PRAVIN TRADING COMPANY

printed altered
False

applicant mobile
7774001322

property address
pin: 422013; road: Pipeline Road; state: MAHARASHTRA; district: Nashik; landmark: Near Gulmohar Colony; Address: Plot No 15, S No 33/1/A/2, CTS No 1003, Anandvalli, Near Gulmohar Colony, Nashik, Pipeline Road, Nashi

insurance premium
290000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
8606000

security address verbatim
Plot No 15, S No 33/1/A/2, CTS No 1003, Anandvalli, Near Gulmohar Colony, Nashik, Pipeline Road, Nashik, MAHARASHTRA, India, 422013

applicant address verbatim
HOTEL SANTOSH, PLOT NO P 21, MIDC SATPUR NASHIK, NASHIK, Nashik, MAHARASHTRA, 422007, India

raw reading (for Abhijit)

{'lan': 'HOU/NSK/0826/5193415', 'legible': True, 'borrowers': [{'name': 'SAGAR KACHARU DHATRAK', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MAYURI SAGAR DHATRAK', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'DHATRAK SANTOSH KACHARU', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PRAVIN TRADING COMPANY', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan, Housing', 'confidence': 1, 'handwritten': [], 'loan_amount': 8316000, 'final_amount': 8606000, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '29-Aug-2026', 'letter_version': '7', 'applicant_email': 'sagardhatrak0001@gmail.com', 'applicant_names': ['SAGAR KACHARU DHATRAK', 'MAYURI SAGAR DHATRAK', 'DHATRAK SANTOSH KACHARU', 'PRAVIN TRADING COMPANY'], 'printed_altered': False, 'applicant_mobile': '7774001322', 'property_address': {'pin': '422013', 'road': 'Pipeline Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': None, 'district': 'Nashik', 'floor_no': None, 'landmark': 'Near Gulmohar Colony', 'full_address': 'Plot No 15, S No 33/1/A/2, CTS No 1003, Anandvalli, Near Gulmohar Colony, Nashik, Pipeline Road, Nashik, MAHARASHTRA, India, 422013', 'village_city': 'Nashik', 'building_name': None, 'survey_or_cts_no': 'S No 33/1/A/2, CTS No 1003'}, 'insurance_premium': 290000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 8606000, 'security_address_verbatim': 'Plot No 15, S No 33/1/A/2, CTS No 1003, Anandvalli, Near Gulmohar Colony, Nashik, Pipeline Road, Nashik, MAHARASHTRA, India, 422013', 'applicant_address_verbatim': 'HOTEL SANTOSH, PLOT NO P 21, MIDC SATPUR NASHIK, NASHIK, Nashik, MAHARASHTRA, 422007, India'}

Sanction letter Sagar Dhatrak NOI Set.pdf needs your check

dob
1992-12-01

pan
BCUPD3897H

name
SAGAR KACHARU DHATHAK

legible
True

father name
KACHARU DAGADU DHATRAK

raw reading (for Abhijit)

{'dob': '1992-12-01', 'pan': 'BCUPD3897H', 'name': 'SAGAR KACHARU DHATHAK', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'KACHARU DAGADU DHATRAK', 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter Sagar Dhatrak NOI Set.pdf needs your check

payments inside
kind: bundle; payments: [{'utr': '429307934412', 'date': '2026-09-21', 'page': 2, 'time': '16:35', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 63400.0, 'direction': 'credit', 'narration': 'Pnb loan notice of intim

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'bundle', 'payments': [{'utr': '429307934412', 'date': '2026-09-21', 'page': 2, 'time': '16:35', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 63400.0, 'direction': 'credit', 'narration': 'Pnb loan notice of intimation', 'proof_kind': 'success_screen'}], 'rows_read': None, 'account_last4': None, 'account_holder': None}}

Sanction letter Sagar Dhatrak NOI Set.pdf needs your check

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'bundle', 'payments': [{'utr': '429307934412', 'date': '2026-09-21', 'page': 2, 'time': '16:35', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 63400.0, 'direction': 'debit', 'narration': 'Pnb loan notice of intimation', 'proof_kind': 'success_screen'}], 'rows_read': 0, 'account_last4': '4701', '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}}

Paid challan (GRAS) SAGAR KACHARU DHATHAK.pdf needs your check

grn
MH010573773202627E

pin
422013

total
61570

article
6(1)

defaced
False

bank cin
03006172026092101457

district
NASHIK

area city
NASHIK

payer pan
BCUXXXXXXH

flat block
PLOT NO 15 SURVEY NO 33/1/A/2 CTS NO 1003 NEAR GULMOHAR COLONY

payer name
SAGAR KACHARU DHATHAK

sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=15520000

scheme rows
{'amount': 46570, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX1322

payment date
21/09/2026-18:46:45

road locality
PIPELINE ROAD MOUJE ANANDVALLI DIST NASHIK

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
15520000

raw reading (for Abhijit)

{'grn': 'MH010573773202627E', 'pin': '422013', 'total': 61570, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026092101457', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'BCUXXXXXXH', 'flat_block': 'PLOT NO 15 SURVEY NO 33/1/A/2 CTS NO 1003 NEAR GULMOHAR COLONY', 'payer_name': 'SAGAR KACHARU DHATHAK', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=15520000', 'scheme_rows': [{'amount': 46570, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX1322', 'payment_date': '21/09/2026-18:46:45', 'road_locality': 'PIPELINE ROAD MOUJE ANANDVALLI DIST NASHIK', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '15520000'}

Technical record (for Abhijit — safe to ignore)

2d ago	EzDocs	email_shadowed:index2_chase	{'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
2d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
7d ago	EzDocs	email_shadowed:index2_chase	{'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
7d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
10d ago	EzDocs	email_shadowed:index2_chase	{'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
10d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
13d ago	EzDocs	email_shadowed:index2_chase	{'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
13d ago	EzDocs	draft_withdrawn	{'why': 'the index2 chase makes it pointless — it would ask for what the case already has', 'count': 1, 'kinds': ['fee_quote']}
13d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 2, 'kinds': ['index2_chase']}
15d ago	EzDocs	reader_home_address	{'fp': '482bf02d8dab4825', 'from': 'the sanction letter (Sagar Dhatrak NOI Set.pdf)', 'home': {'pin': '422007', 'area': 'MIDC SATPUR NASHIK', 'state': 'MAHARASHTRA', 'building': 'HOTEL SANTOSH', 'district': 'NASHIK', 'vi
15d ago	EzDocs	email_shadowed:index2_chase	{'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
16d 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 typed 15520000 — the branch's
18d 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",
21d ago	EzDocs	challan_other_case_checked	{'why': "the same borrower's other loans do not carry this challan's figure", 'doc_id': 'e403c307-611c-494e-b46e-dc58b5d37a13'}
21d ago	EzDocs	email_shadowed:index2_chase	{'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0826/5193415) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
24d ago	EzDocs	challan_mismatch_kept	{'why': "checked again with today's rules — the difference is real; a person opens the challan", 'problems': ['consideration (CA) on the challan Rs.15520000 — the loan amount is Rs.8606000']}
24d 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': ['fee_paid', 'challan_shared', 'index2_asked', 'i
24d 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': '', 'issues': [{'by': 'papers', 'box': 'Village',
24d ago	EzDocs	challan_found_on_case	{'was': 'AWAITING_DOCS', 'why': "a challan is on the case — it counts; the challan file adds up to Rs.61570 but this case's figures say Rs.40830 (0.3% Rs.25830 + 0.5% Rs.15000) — the challan was paid on a loan of Rs.1552
24d ago	EzDocs	challan_figures_differ	{'why': "the team's challan is the fact and the case is past the challan on it; its figures are not the case's arithmetic, so the loan amount must be settled by a person before the e-filing, which must carry the challan'
24d ago	EzDocs	draft_withdrawn	{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ["Dear Team,\n\nWith reference to the captioned case (LAN: HOU/NSK/0826/5193
24d 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': 'SAGAR KACHARU DHATH
24d ago	EzDocs	challan_mismatch	{'file': 'SAGAR KACHARU DHATHAK.pdf', 'problems': ['consideration (CA) on the challan Rs.15520000 — the loan amount is Rs.8606000']}
24d ago	EzDocs	challan_extracted	{'grn': 'MH010573773202627E', 'file': 'SAGAR KACHARU DHATHAK.pdf', 'heads': ['0030046401', '0030063301'], 'total': 61570}
24d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card"]}
24d ago	EzDocs	stuck_after_payment_healed	{'why': 'the fee is verified but the case never left this stage — the regular check that verified it could not ask EzDocs to move it (fixed in); rethinking the case now', 'stage': 'AWAITING_DOCS'}
24d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card"]}
24d ago	EzDocs	stuck_after_payment_healed	{'why': 'the fee is verified but the case never left this stage — the regular check that verified it could not ask EzDocs to move it (fixed in); rethinking the case now', 'stage': 'AWAITING_DOCS'}
24d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card"]}
24d ago	EzDocs	stuck_after_payment_healed	{'why': 'the fee is verified but the case never left this stage — the regular check that verified it could not ask EzDocs to move it (fixed in); rethinking the case now', 'stage': 'AWAITING_DOCS'}

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

Papers

1 still needed for the challan

Applicant's Aadhaar Card

Money

₹63,400 received — verified

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

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.

13 Oct2 things

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02133 | HOU/NSK/0826/5193415

10:00

An old draft withdrew itself — its asks were already answered

10:00

8 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02133 | HOU/NSK/0826/5193415

10:00

An old draft withdrew itself — its asks were already answered

10:00

5 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02133 | HOU/NSK/0826/5193415

10:00

An old draft withdrew itself — its asks were already answered

10:00

2 Oct3 things — 1 letter written · 2 steps

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02133 | HOU/NSK/0826/5193415

10:00

An old draft withdrew itself — its asks were already answered

10:00

An old draft withdrew itself — its asks were already answered