⚠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-2026-02565

Amol Gulabrao Sonawane

LAN HOU/NSK/0926/5223043 Challan paid · waiting on the branch Waiting for the Index II Send the draft 2 All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs4 still to come

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

✓Aadhaar cardopen

Selfie / photo (CANNOT BE READ — clear copy asked — this is not a live selfie)open

✓Sanction letteropen

✓Payment screenshot — money verifiedopen

✓PAN cardopen

✓MOTDopen

✓Paid challan (GRAS)open

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

Applicant's Selfie / Photo — for the e-filing visit later

Index II copy / Title document — for the e-filing visit later

All files (13)A label is wrong? Fix it under All documents.

Needs your eyes

Selfie / photo: copy on file cannot be used. A usable one is being asked for.

MoneyAll of it is in

₹11,040.83CASE MARK

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

₹11,000 receivedmatches the branch's receipt

Stamp duty 0.3%3,460

Registration fee 0.5%5,760

Government handling320

Our service fee1,500.83

Total we ask for11,040.83

the branch’s receipt claims ₹11,000 217676825420

paid 25 Sep 14:32:20 · verified 26 Sep 18:25:12 · 1 d 3 h later

How we know

Our own bank told us — 25 Sep 14:32

₹11,000 · UTR AXNGG26890714240 · from VA-PNBSMS-S · a/c …3164

“Ac XX3164 Credited with Rs.11000.00,25-09-2026 14:32:20 thru NEFT from AXNGG26890714240/GOOGLE INDIA DIGITAL . Aval Bal 229397.75 CR Helpline 18001800/18002021-PNB”

Matched by: the screenshot's amount equals this credit

Paid the bank's own ₹11,000. ₹40.83 under our ask = our margin. Accepted as full.

By law ₹11,020. We ask ₹11,040 (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 ₹11,000 — accept as full (₹40.83 = our margin).

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 31 minour time · 26 Sep 18:50

Index II —not yet

the NOI team 17 d 7 htotal 17 d 7 h so far

Now with the NOI team — e-filing on IGR

since 26 Sep 18:50 — 17 d 6 h of working time

Day by day — every step and who held it

26 Sep 18:18Your branch's mail

26 Sep 18:18Payment landedat once

26 Sep 18:24Fee quoted+6 min · the NOI team

26 Sep 18:24Papers readat once

26 Sep 18:24Property readat once

26 Sep 18:24Papers readat once

26 Sep 18:25Payment verifiedat once

26 Sep 18:25Ready for the challanat once

26 Sep 18:50Challan made+25 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹11,50,000

Loan account no.

HOU/NSK/0926/5223043

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

The engine read these from the sanction letter. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.

District

Nashik

Taluka

Nashik

Village

Nashik

Number type

SURVEY

Number

372/1A1B373/1/2/374/382/1/2

Building

(empty)

Floor

(empty)

Flat / shop no

1/34

Area

(empty)

Hadd

(empty)

Read from the sanction letter, not the Index II. PHOTO-2026-09-26-13-50-39.jpg open it · If an Index II is on file, read the property from it.

✗ EzDocs found boxes that do NOT agree with the document (17d ago) — open the verification page; they are marked in red.

Building, Floor, Area are empty — the portal will not take a blank. Fill it on the verification page first →

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. The engine 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, the engine sees:

• Mortgagor pages: TUKARAM GHANSHYAM NIKAM is named on the sanction letter (PHOTO-26 Sep 2026-13-50-39.jpg) 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

• Priya Amol Sonawane: PAN missing — Priya Amol Sonawane's own Aadhaar (PHOTO-26 Sep 2026-13-50-14.jpg) is read but no PAN comes off it — read it off the card beside the form

• TUKARAM GHANSHYAM NIKAM: PAN missing — no PAN card of TUKARAM GHANSHYAM NIKAM is read on the file — the PAN cards on it (SONAWANE AMOL GULABRAO, PHOTO-26 Sep 2026-13-50-14.jpg) are beside the form; type the PAN off the person's own card

• TUKARAM GHANSHYAM NIKAM: birth date missing — no PAN card of TUKARAM GHANSHYAM NIKAM is read on the file — the PAN cards on it (SONAWANE AMOL GULABRAO, PHOTO-26 Sep 2026-13-50-14.jpg) are beside the form; type the birth date off the person's own card

• 12 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, road, attr1_type, attr1_value

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

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

NOTEThe name of person 2

The PAN card	PRIYA AMOL SONAWANE
The sanction letter DIFFERS	PRIYA AMOL SONWANE

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; and the whole-file reading. Nothing here is typed or changed by itself.

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

The NOI team has received the documents and payment, and has shared the challan. The team is waiting for the branch to send the Index II copy to proceed with the NOI filing.

the trail says the next move is with the branch — the Index II

✓ 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 2 (2026-09-26) “We acknowledge the receipt of your mail documents and payment.”

✓ challan made — done, mail 2 (2026-09-26) “We will initiate the challan for the same.”

✓ challan shared — done, mail 3 (2026-09-26) “PFA challan for your reference.”

? Index II asked for — asked, mail 2 (2026-09-26) “For NOI filing, We need an index 2 copy.”

read over 3 mail(s), last mail 2026-09-26 · read 17d 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). 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 (17d 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	MH010914996202627E	—	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

NOI case NOI-2026-02565

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents and payment for the captioned case. We will initiate the challan for the same.

ApplicantAmol Gulabrao Sonawane

LANHOU/NSK/0926/5223043

Loan AmtRs. 11,50,000

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, MOTD (Memorandum of Deposit of Title Deed), Payment Screenshot with UTR, Sanction Letter

Payment of Rs. 11,000.00 stands VERIFIED against the credit in our account on 26-Sep-2026 (UTR: AXNGG26890714240). Nothing further is due on this case.

Still needed to complete the NOI e-filing (this does NOT hold up the challan or your disbursement):

Applicant's Selfie / Photo
Index II copy / Title document

Next: we generate the GRAS challan and share the paid challan on this same thread. Our TAT of 24 working hours starts now.

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-2026-02565 | HOU/NSK/0926/5223043

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NSK/0926/5223043) 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 9 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
26 Sep, 18:18 · 17d ago THE FIRST MAIL — how this case began

Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0926/5223043 Applicant Name : AMOL GULABRAO SONAWANE.

📎 PHOTO-2026-09-26-13-50-14.jpg ↗📎 PHOTO-2026-09-26-13-50-49.jpg ↗📎 PHOTO-2026-09-26-13-50-39.jpg ↗📎 PHOTO-2026-09-26-13-50-14.jpg ↗📎 PHOTO-2026-09-26-13-50-26.jpg ↗📎 PHOTO-2026-09-26-13-50-14.jpg ↗📎 PHOTO-2026-09-26-13-50-14.jpg ↗📎 PHOTO-2026-09-26-13-50-14.jpg ↗📎 PHOTO-2026-09-26-13-50-14.jpg ↗📎 IN_IMAGE_0.PNG ↗📎 image002.jpg ↗📎 image001.jpg ↗

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer nameAMOL GULABRAO SONAWANE

Loan account (LAN)HOU/NSK/0926/5223043

Loan amount₹11,50,000

Stamp duty 0.30%₹3,450

Registration fee 0.50%₹5,750

DHC₹300

Service / vendor fees₹1,500

Total₹11,000

✓ 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: avinash shermale ( avinash.shermale@phfl.com )
Date: 26-09-2026 01:51 pm
To:  piyush.aher@phfl.com
Subject:  Noi for amol gulabrao sonwane

Thanks & Regards,
AVINASH SHERMALE
Territory Relationship Officer
Mob-7709481111
PHFL HOME LOANS AND SERVICES LIMITED

🤖 read: documents attached; note: Process two challans, 0.3% and 0.5%.

OL The NOI teamTYPED IN GMAIL
26 Sep, 18:44 · 17d ago

Team,

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

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

copy.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Sat, 26 Sept 2026 at 18:24, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  AMOL GULABRAO SONAWANE

Lan No  HOU/NSK/0926/5223043

Loan Amount  1150000

LOAN AMOUNT  1150000
0.30%  3450
0.50%  5750
FEES  1500
DHC  300
TOTAL  11,000

*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: avinash shermale ( avinash.shermale@phfl.com )
Date: 26-09-2026 01:51 pm
To:  piyush.aher@phfl.com
Subject:  Noi for amol gulabrao sonwane

Thanks & Regards,
AVINASH SHERMALE
Territory Relationship Officer
Mob- 7709481111
PHFL HOME LOANS AND SERVICES LIMITED

🤖 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
26 Sep, 18:52 · 17d ago

📎 SONAWANE AMOL GULABRAO EchallanMH010914996 ↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Sat, 26 Sept 2026 at 18:44, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For NOI filing, We need an index 2
copy.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 26 Sept 2026 at 18:24, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  AMOL GULABRAO SONAWANE

Lan No  HOU/NSK/0926/5223043

Loan Amount  1150000

LOAN AMOUNT  1150000
0.30%  3450
0.50%  5750
FEES  1500
DHC  300
TOTAL  11,000

*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: avinash shermale ( avinash.shermale@phfl.com )
Date: 26-09-2026 01:51 pm
To:  piyush.aher@phfl.com
Subject:  Noi for amol gulabrao sonwane

Thanks & Regards,
AVINASH SHERMALE
Territory Relationship Officer
Mob- 7709481111
PHFL HOME LOANS AND SERVICES LIMITED

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

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
Aadhaar card	PHOTO-2026-09-26-13-50-14.jpg	filed	17d ago
Selfie / photo	PHOTO-2026-09-26-13-50-49.jpg	CANNOT BE READ — clear copy asked	17d ago
Sanction letter	PHOTO-2026-09-26-13-50-39.jpg	filed	17d ago
Aadhaar card	PHOTO-2026-09-26-13-50-14.jpg	filed	17d ago
Payment screenshot	PHOTO-2026-09-26-13-50-26.jpg	filed	17d ago
Aadhaar card	PHOTO-2026-09-26-13-50-14.jpg	filed	17d ago
Aadhaar card	PHOTO-2026-09-26-13-50-14.jpg	filed	17d ago
PAN card	PHOTO-2026-09-26-13-50-14.jpg	filed	17d ago
PAN card	PHOTO-2026-09-26-13-50-14.jpg	CANNOT BE READ — clear copy asked	17d ago
Other	IN_IMAGE_0.PNG	filed	17d ago
MOTD	image002.jpg	filed	17d ago
Other	image001.jpg	filed	17d ago
Paid challan (GRAS)	SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf	filed	17d 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
₹11,040.83

Where it stands
VERIFIED — money received

Screenshot claims
₹11,000 217676825420

Paid at
25 Sep 14:32:20

Verified on
26 Sep 18:25:12

GPay money settled into the PNB account at 27 Sep 13:32 (NEFT —). Heard twice; verified once.

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹3,460	₹5,760	₹320	₹1,500	₹11,040

By law ₹11,020. We ask ₹11,040 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

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

23 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, derived, or EzDocs was not sure: District, Taluka, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number type, Second number …

✗ EzDocs found boxes that do NOT agree with the document (17d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (PHOTO-2026-09-26-13-50-39.jpg) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

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 1/34, S No 372/1A1B373/1/2/374/382/1/2, Mauje Bhagur, Nashik, Infront of Devi Mandir, Nashik, Deolali Road, Nashik, MAHARASHTRA, India, 422502

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

PHOTO-2026-09-26-13-50-39.jpg

as printed
PLOT NO 1/34, S NO 372/1A1B373/1/2/374/382/1/2, MAUJE BHAGUR, NASHIK, INFRONT OF DEVI MANDIR, NASHIK, DEOLALI ROAD, NASHIK, MAHARASHTRA, INDIA, 422502

PIN
422502

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 1/34 S NO 372/1A1B373/1/2/374/382/1/2 MAUJE BHAGUR NASHIK INFRONT OF DEVI MANDIR

Locality/Road
DEOLALI ROAD MAHARASHTRA

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	AMOL GULABRAO SONAWANE	BAOPG1986J	…6941
co_mortgagor	Priya Amol Sonawane		…6941

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
acknowledgement	piyush.aher@phfl.com	17d ago
questions for the branch — what the papers leave open	piyush.aher@phfl.com	17d ago
Index II chase	piyush.aher@phfl.com	15d ago
Index II chase	piyush.aher@phfl.com	10d ago
Index II chase	piyush.aher@phfl.com	7d ago

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

Selfie / photo PHOTO-2026-09-26-13-50-49.jpg needs your check

kind
group_or_other

legible
False

confidence
0.9

face visible
True

quality issue
this is not a live selfie

raw reading (for Abhijit)

{'kind': 'group_or_other', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is not a live selfie'}

Sanction letter PHOTO-2026-09-26-13-50-39.jpg needs your check

lan
HOU/NSK/0926/5223043

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'AMOL GULABRAO SONAWANE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PRIYA AMOL SONWANE', 'role': 'co_applicant', 'label': 'Applicant'}, {'name': 'TUKARAM GHANSHYAM NIKAM', 'role': 'co_applicant', 'la

confidence
1.0

loan amount
1100000.0

final amount
1150000.0

interest rate
13.15

sanction date
24-Sep-2026

letter version
5

applicant email
amolsonawane25189@gmail.com

applicant names
AMOL GULABRAO SONAWANE, PRIYA AMOL SONWANE

printed altered
False

applicant mobile
7038287616

balance transfer
False

property address
pin: 422502; road: Deolali Road; state: MAHARASHTRA; flat_no: 1/34; district: Nashik; landmark: Infront of Devi Mandir; full_address: Plot No 1/34, S No 372/1A1B373/1/2/374/382/1/2, Mauje Bhagur, Nashik, Infront of Devi

insurance premium
50000.0

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1150000.0

security address verbatim
Plot No 1/34, S No 372/1A1B373/1/2/374/382/1/2, Mauje Bhagur, Nashik, Infront of Devi Mandir, Nashik, Deolali Road, Nashik, MAHARASHTRA, India, 422502

applicant address verbatim
216, MED REGT, 56 APO,., Delhi, DELHI, 110001, India

raw reading (for Abhijit)

{'lan': 'HOU/NSK/0926/5223043', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'AMOL GULABRAO SONAWANE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PRIYA AMOL SONWANE', 'role': 'co_applicant', 'label': 'Applicant'}, {'name': 'TUKARAM GHANSHYAM NIKAM', 'role': 'co_applicant', 'label': 'Guarantor'}], 'loan_type': None, 'confidence': 1.0, 'handwritten': [], 'linked_refs': [], 'loan_amount': 1100000.0, 'final_amount': 1150000.0, 'interest_rate': 13.15, 'quality_issue': None, 'sanction_date': '24-Sep-2026', 'letter_version': '5', 'applicant_email': 'amolsonawane25189@gmail.com', 'applicant_names': ['AMOL GULABRAO SONAWANE', 'PRIYA AMOL SONWANE'], 'printed_altered': False, 'applicant_mobile': '7038287616', 'balance_transfer': False, 'property_address': {'pin': '422502', 'road': 'Deolali Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '1/34', 'district': 'Nashik', 'floor_no': None, 'landmark': 'Infront of Devi Mandir', 'full_address': 'Plot No 1/34, S No 372/1A1B373/1/2/374/382/1/2, Mauje Bhagur, Nashik, Infront of Devi Mandir, Nashik, Deolali Road, Nashik, MAHARASHTRA, India, 422502', 'village_city': 'Nashik', 'building_name': None, 'survey_or_cts_no': 'S No 372/1A1B373/1/2/374/382/1/2'}, 'insurance_premium': 50000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1150000.0, 'security_address_verbatim': 'Plot No 1/34, S No 372/1A1B373/1/2/374/382/1/2, Mauje Bhagur, Nashik, Infront of Devi Mandir, Nashik, Deolali Road, Nashik, MAHARASHTRA, India, 422502', 'applicant_address_verbatim': '216, MED REGT, 56 APO,., Delhi, DELHI, 110001, India'}

Payment screenshot PHOTO-2026-09-26-13-50-26.jpg needs your check

utr
217676825420

date
2026-09-25

time
14:16

amount
11000

method
UPI

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

raw reading (for Abhijit)

{'utr': '217676825420', 'date': '2026-09-25', 'time': '14:16', 'amount': 11000, 'method': 'UPI', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}

Aadhaar card PHOTO-2026-09-26-13-50-14.jpg needs your check

address
pin: 424102; area: Mundkhede Bk.; state: Maharashtra; district: Jalgaon; village_city: Jalgaon

legible
True

aadhaar last4
6941

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'mobile': None, 'address': {'pin': '424102', 'area': 'Mundkhede Bk.', 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Jalgaon', 'post_office': None, 'village_city': 'Jalgaon'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '6941', 'quality_issue': None}

Aadhaar card PHOTO-2026-09-26-13-50-14.jpg needs your check

dob
1989-09-01

name
Amol Gulabrao Sonawane

legible
True

aadhaar last4
9515

raw reading (for Abhijit)

{'dob': '1989-09-01', 'pan': None, 'name': 'Amol Gulabrao Sonawane', 'mobile': None, 'address': None, 'legible': True, 'father_name': None, 'aadhaar_last4': '9515', 'quality_issue': None}

Aadhaar card PHOTO-2026-09-26-13-50-14.jpg needs your check

address
pin: 424102; area: at mundkhede post patonda taluka chalisagaon; road: panyachya vihiri javal; state: Maharashtra; district: Jalgaon; post_office: Patonda; village_city: Patonda

legible
True

aadhaar last4
9515

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'mobile': None, 'address': {'pin': '424102', 'area': 'at mundkhede post patonda taluka chalisagaon', 'flat': None, 'road': 'panyachya vihiri javal', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Jalgaon', 'post_office': 'Patonda', 'village_city': 'Patonda'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '9515', 'quality_issue': None}

Aadhaar card PHOTO-2026-09-26-13-50-14.jpg needs your check

dob
1995-06-01

name
Priya Amol Sonawane

legible
True

aadhaar last4
6941

raw reading (for Abhijit)

{'dob': '1995-06-01', 'pan': None, 'name': 'Priya Amol Sonawane', 'mobile': None, 'address': None, 'legible': True, 'father_name': None, 'aadhaar_last4': '6941', 'quality_issue': None}

PAN card PHOTO-2026-09-26-13-50-14.jpg needs your check

dob
1989-09-01

pan
BAOPG1986J

name
SONAWANE AMOL GULABRAO

legible
True

father name
PATIL GULABRAO

raw reading (for Abhijit)

{'dob': '1989-09-01', 'pan': 'BAOPG1986J', 'name': 'SONAWANE AMOL GULABRAO', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'PATIL GULABRAO', 'aadhaar_last4': None, 'quality_issue': None}

PAN card PHOTO-2026-09-26-13-50-14.jpg needs your check

dob
1995-06-01

pan
JOWPS5284B

name
PRIYA AMOL SONAWANE

legible
False

father name
VASANT SAHEBRAO PATIL

quality issue
glare across the PAN number and signature

raw reading (for Abhijit)

{'dob': '1995-06-01', 'pan': 'JOWPS5284B', 'name': 'PRIYA AMOL SONAWANE', 'mobile': None, 'address': None, 'legible': False, 'father_name': 'VASANT SAHEBRAO PATIL', 'aadhaar_last4': None, 'quality_issue': 'glare across the PAN number and signature'}

Other IN_IMAGE_0.PNG needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

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) SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf needs your check

grn
MH010914996202627E

pin
422502

total
9220.0

article
6(1)

defaced
False

bank cin
03006172026092601222

district
NASHIK

area city
NASHIK

payer pan
BAOXXXXXXJ

flat block
PLOT NO 1/34 S NO 372/1A1B373/1/2/374/382/1/2 MAUJE BHAGUR

payer name
SONAWANE AMOL GULABRAO

sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA=1150000

scheme rows
{'amount': 3460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 5760.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7616

payment date
26/09/2026-18:50:30

road locality
INFRONT OF DEVI MANDIR DEOLALI ROAD NASHIK MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1150000

raw reading (for Abhijit)

{'grn': 'MH010914996202627E', 'pin': '422502', 'total': 9220.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026092601222', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'BAOXXXXXXJ', 'flat_block': 'PLOT NO 1/34 S NO 372/1A1B373/1/2/374/382/1/2 MAUJE BHAGUR', 'payer_name': 'SONAWANE AMOL GULABRAO', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA=1150000', 'scheme_rows': [{'amount': 3460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 5760.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7616', 'payment_date': '26/09/2026-18:50:30', 'road_locality': 'INFRONT OF DEVI MANDIR DEOLALI ROAD NASHIK MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1150000'}

Paid challan (GRAS) SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf needs your check

grn
MH010914996202627E

pin
422502

total
9220.0

article
6(1)

defaced
False

bank cin
03006172026092601222

district
NASHIK

area city
NASHIK

payer pan
BAOXXXXXXJ

flat block
PLOT NO 1/34 S NO 372/1A1B373/1/2/374/382/1/2 MAUJE BHAGUR

payer name
SONAWANE AMOL GULABRAO

sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA=1150000

scheme rows
{'amount': 3460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 5760.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7616

payment date
26/09/2026-18:50:30

road locality
INFRONT OF DEVI MANDIR DEOLALI ROAD NASHIK MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1150000

raw reading (for Abhijit)

{'grn': 'MH010914996202627E', 'pin': '422502', 'total': 9220.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026092601222', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'BAOXXXXXXJ', 'flat_block': 'PLOT NO 1/34 S NO 372/1A1B373/1/2/374/382/1/2 MAUJE BHAGUR', 'payer_name': 'SONAWANE AMOL GULABRAO', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA=1150000', 'scheme_rows': [{'amount': 3460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 5760.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7616', 'payment_date': '26/09/2026-18:50:30', 'road_locality': 'INFRONT OF DEVI MANDIR DEOLALI ROAD NASHIK MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1150000'}

Technical record (for Abhijit — safe to ignore)

7d 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/0926/5223043) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
7d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
10d 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/0926/5223043) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
10d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
12d ago	system:emails	draft_withdrawn	{'why': 'the case is past the challan — the questions are moot', 'count': 1, 'kinds': ['branch_questions']}
13d ago	system:extract	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'PHOTO-2026-09-26-13-50-14.jpg', 'cards': 1, 'doc_id': '08d3f3e0-e735-4ebe-a4f3-6a6f7a5afcbf', 'applied': 0}
13d ago	system:extract	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'PHOTO-2026-09-26-13-50-14.jpg', 'cards': 1, 'doc_id': 'a083f62d-dc17-49b5-8caa-e63f1318257d', 'applied': 0}
13d ago	system:extract	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'PHOTO-2026-09-26-13-50-14.jpg', 'cards': 1, 'doc_id': 'd21a72f1-fe98-408e-b4ee-f2885782efb5', 'applied': 0}
13d ago	system:extract	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'PHOTO-2026-09-26-13-50-14.jpg', 'cards': 1, 'doc_id': '1228f9bb-8619-4cbe-b379-81060b54ebef', 'applied': 0}
13d ago	system:extract	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'PHOTO-2026-09-26-13-50-14.jpg', 'cards': 1, 'doc_id': 'e0be1033-d463-4519-ab32-4027cdb92abf', 'applied': 0}
15d 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 BAxxxxxxXJ — no paper on the
15d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '232061', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed NSK5_
15d ago	system:extract	document_reread	{'now': ['challan'], 'was': ['challan'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf', 'doc_id': 'f612c6
15d ago	system:ingest	two_stamp_duty_challans	{'why': 'the IGR banking portal accepts ONE challan carrying both 0.3% and 0.5%, or one 0.3% for the WHOLE amount plus a separate 0.5% — two different 0.3% challans cannot be added. On a BT + top-up the 0.3% must be ONE
15d ago	system:extract	challan_verified_against_case	{'grn': 'MH010914996202627E', 'file': 'SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
15d ago	system:extract	challan_extracted	{'grn': 'MH010914996202627E', 'file': 'SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 9220.0}
15d ago	system:learn	reading_error456	{'box': 'Office', 'why': 'the team typed what this paper prints; this desk typed what no paper prints — this desk read the paper wrong; read again', 'file': 'SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf', 'ours'
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/0926/5223043) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
16d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '12e9283e25c3f918', 'docs': ['PHOTO-2026-09-26-13-50-39.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHO
16d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'dede8d6b89c65129', 'docs': ['PHOTO-2026-09-26-13-50-39.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHO
16d ago	system:payments	gpay_settled	{'why': "the GPay alert arrived after Google's NEFT had already verified this case — the same money, heard twice", 'amount': 11000.0, 'alert_sms_id': '9b00b9f9-310d-497b-bb79-40978d471601', 'settlement_first': True}
17d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '85968312533e9aeb', 'docs': ['PHOTO-2026-09-26-13-50-39.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHO
17d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'c0fbf3571673e044', 'docs': ['PHOTO-2026-09-26-13-50-39.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHO
17d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'f93c9577676e5f8a', 'docs': ['PHOTO-2026-09-26-13-50-39.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHOTO-2026-09-26-13-50-14.jpg', 'PHO
17d 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': ['fee_paid', 'challan', 'challan_shared'], 'mails
17d 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': 'SONAWANE AMOL GULAB
17d ago	system:ingest	filing_waits_on_title_doc	{'was': 'VENDOR', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the
17d ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'district': 'NASHIK'}
17d ago	system:extract	challan_verified_against_case	{'grn': 'MH010914996202627E', 'file': 'SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
17d ago	system:ingest	challan_found_on_case	{'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'SONAWANE AMOL GULABRAO EchallanMH010914996202627E.pdf', 'kind

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

Papers

A file cannot be used

Selfie / photo — a usable one is being asked for

Money

₹11,000 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

Needs your eyes: Selfie / photo: copy on file cannot be used. A usable one is being asked for.

6 Oct2 things

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02565 | HOU/NSK/0926/5223043

10:00

An old draft withdrew itself — its asks were already answered

10:00

3 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02565 | HOU/NSK/0926/5223043