⚠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.
Swaroop Shashikant Kulkarni
LAN 77000355536Loan ₹25,00,000NOIMails & papers 3 1 new 1 draft to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
today 11:49
Documents
Payment
done today 11:55
Challan
took 25m · GRAS ↗
Filing
took 1h 14m · IGR e-filing ↗
E-filing copy
done today 13:35
Index II
waiting 9h 23m
their moveIndex II pendingwhole case so far 11h 09m
NEXT STEPour move
Send the Index II when it arrives
The e-filing copy is with the branch. This case closes when the government's Index II is shared.
Historywhat happened on this case, newest first
Today · 13 Oct96 things
dhc prn read
efiling copy read
desk documents backfill
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9991310260211.pdf
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
SWAROOP SHASHIKANT KULKARNI EchallanMH011883315202627E.pdf
A file was read again from the start — everything inside it now counts
reading error456
copilot edit — by copilot:Nikhil
paper locate — by ezdocs:reader
copilot check ok — by copilot
form checked489
copilot pick — by copilot
challan boxes from reading — by copilot
challan boxes by rules
reader mail addition — by ezdocs:reader
quoted history checked
extra challan scanned
The home address was read off the papers — by ezdocs:reader
file note490
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
boxes gathered
address compared
challan boxes by rules
box disagreement
box disagreement
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-03443
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The payment proof already on the case was applied
money settled — by ezdocs:reader
pages trimmed480
property self check
property from index2
index2 people checked
property numbers completed
documents read together
case read started — by ezdocs:reader
applicant email captured
roles from letter
property self check
paper read beside case
Received: Sanction letter
KFSLetter_77000355536.pdf
property from index2
index2 people checked
Received: other
image.png
property english extracted
Received: other
image.png
Received: Technical report
APF TECHNICAL REPORT.pdf
Received: other
image.png
Received: other
image.png
Received: other
image.png
Received: other
image.png
Received: other
image.png
Received: other
image.png
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Property read from the Index II
index2 people checked
index2 pan differs
index2 pan differs
Index II (title document) received from the branch
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Co-applicant added
credit seen before bill
credit seen before bill
Payment proof arrived before the case was quoted — held
Received: Aadhaar
swaroop Adhar.pdf
Received: PAN card
Shasikant Pan.pdf
Received: Aadhaar
Shasikant Adhar.pdf
Selfie checked — a live one
A real selfie — usable for the e-filing.
Document could not be read — a clear copy was asked for
the image has a GPS Map Camera overlay, indicating it is a photo of a screen
Received: Index II
Index 2.pdf
Received: PAN card
Swaroom Pan.pdf
Received: Selfie — not usable
20261011_120928PMByGPSMapCamera (1).jpg — the image has a GPS Map Camera overlay, indicating it is a photo of a screen
Received: Selfie
IMG-20261013-WA0017.jpg
Received: Payment screenshot
IMG-20261013-WA0020.jpg
branch calc unreadable
Received: Bank's calculation sheet
NOI CASE INTITIATION AND CALCULATOR-ICICIHFC (1) (1).xlsx/image1.jpeg
A zip / Word / Excel file was opened — every picture and PDF inside is read as a document of its own
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needsall in
11 of 11 in hand · the challan is done — these are for the filing / KYC
✓Bank's calculation sheetopen
✓Selfie / photoopen
✓PAN cardopen
✓Aadhaar cardopen
✓Technical reportopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 21 files
The file, as the engine remembers it4 open
Complete file for ICICI Home Finance loan 77000355536 in favor of Swaroop Shashikant Kulkarni and co-applicant Shashikant Dattatraya Kulkarni, securing property Flat No 204, Swapnapurti, Gat No 227, Dudulgaon, Haveli, Pune.
✗the photo could not be read (20261011_120928PMByGPSMapCamera (1).jpg) — the branch — the image has a GPS Map Camera overlay, indicating it is a photo of a screen
○SHASHIKANT DATTATRAYA KULKARNI — mobile — the branch
○SHASHIKANT DATTATRAYA KULKARNI — e-mail — the branch
○SHASHIKANT DATTATRAYA KULKARNI — home road — the branch
the branch's last mail (2026-10-13): Bank branch initiates NOI for a loan case and attaches documents.
read once, kept; every new mail and paper is read against this note · kept 2026-10-13T06:20 UTC
Moneyall of it is in
₹22,070.30
Reached our account 11:32:30.
How we know
Our own bank told us — 11:32
₹22,050 · UTR 628600168055 · from VA-PNBSMS-S · a/c …0581
“A/c X0581 credited for INR 22050.00 on 13-10-26 11:32:30 by SWAROOP SASHIKA thru UPI.AvlBal INR 236874.94(UPI:628600168055).-PNB”
Matched by: the screenshot's amount AND its minute agree with this credit
The working
Stamp duty 0.3%7,510
Registration fee 0.5%12,510
Government handling350
Our service fee1,700
Total we ask for22,070.30
By law ₹22,050. We ask ₹22,070 (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.
Propertyby the engine, from the Index II
204, 2nd, Swapnapurti, GAT, 227, Dudulgaon, 412105
read from the Index II · e-filing boxes 44 of 46 ready
Check the property →the boxes beside the paper
People
SWAROOP SHASHIKANT KULKARNI · applicantCDDPK7003FSHASHIKANT DATTATRAYA KULKARNI · co-applicantABDPK3135A
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