⚠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-2026-01844
SANDIP JANARDAN TURAKANE
LAN NHL/NSK/0926/5211457
Ready for challan · our move SHORT ₹3,280.87
Make the challanSend the draft 2All documentsMails & papers 4Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
Papers for the challan2 still to come
6 of 8 in hand.
everything the challan needs, and where each one stands
everything the challan needs, and where each one stands
Half the challan is paid (0.3% stamp duty ✓). Still to pay: 0.5% registration fee ₹1,550 — make that challan on GRAS (the co-pilot will warn to pay only this), then upload it here too.
Everything for the challan is in. Make it today.
For the e-filing visit later (not for the challan): Index II copy / Title document
✓Sanction letteropen
✓Paid challan (GRAS)open
✓Payment screenshot — SHORT ₹3,280.87 (shows ₹1,030 of ₹4,310.87) — inside DOC-20260916-WA0012.pdfopen
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
✓ PAN and Aadhaar name the same person — checked by the engine: SANDIP JANARDAN TURAKANE
All files (3)A label is wrong? Fix it under All documents.
Needs your eyes
- Payment SHORT by ₹3,280.87 (₹1,030 of ₹4,310.87).
- Money received is short — ₹2,253.87 still to come.
- Bank under-collected — money at risk — see Facts.
MoneyLess money came
₹2,057of ₹4,310.87CASE MARK
₹2,253.87 of our ask has not arrived yet.
₹2,057 receivedthe figure the branch wrote
Ask for the exact ₹4,310.87. Those paise are this case’s own mark — the credit finds its case with nothing else needed.
Stamp duty 0.3%940
Registration fee 0.5%1,550
Government handling320
Our service fee1,500.87
Total we ask for4,310.87
Screenshot ₹1,030. Case needs ₹4,310.87. SHORT by ₹3,280.87. Ask the branch for the balance.
why?
A screenshot is the branch's claim, not money seen — and this claim is short of what the case needs. It is ₹3,242 below the real calculation of ₹4,272 (government + DHC + our fee) — so it is short whatever the buffer. The NOI team's 'short amount' letter asks for the balance with the table.
paid 19 Sep 14:11:00
How we know
Our own bank told us — 19 Sep 14:11
₹1,027 · from GPAY-BIZ
“₹1,027 received from BHUSHAN B M at 2:11 pm”
Matched by: equals the figure the branch wrote in its own mail · the case's screenshot names this very road; Google's alert; the NEFT has settled; one of several parts
By law ₹4,292. We ask ₹4,310 (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 ₹1,027 — ₹3,283.87 under our ask: the branch's working is short (see Facts).
BANK UNDER-COLLECTED — money at risk
Bank table ₹1,027. Case needs ₹4,310. SHORT by ₹3,283. Do NOT accept ₹1,027 — ask the branch for ₹4,310.
why?
The branch's mail adds up wrong: its own fee rows come to Rs.2,054, but the TOTAL line says Rs.1,027 — Rs.1,027 less than its own rows. Collect Rs.4,292. Do NOT accept Rs.1,027: the government challan alone is more than that, so the case would stall at the counter and the shortfall would be ours to fund.
the branch's own words
The branch's mail said: filing fee (0.50%): bank says Rs.100, computed Rs.1,545 (difference Rs.-1,445); total payable: bank says Rs.1,027, computed Rs.4,292 (difference Rs.-3,265); service fee + DHC: bank says Rs.1,027, computed Rs.1,820 (difference Rs.-793); the bank's own rows sum to Rs.2,054 but its total says Rs.1,027See the full workingevery row, and the property
Time takennot shown to the bank
Challan under a minuteour time (made after working hours) · 16 Sep 17:09
Index II —not yet
the NOI team 24 d 10 hthe branch 2 d 20 htotal 27 d 7 h so far
Now with the NOI team — making the challan
since 19 Sep 14:11 — 24 d 10 h of working time
Day by day — every step and who held it
16 Sep 17:09Your branch's mail
16 Sep 17:09Challan madeat once
16 Sep 17:12Fee quoted+3 min · the NOI team
16 Sep 17:12Papers readat once
16 Sep 17:12Property readat once
19 Sep 14:11Payment landed+2 d 20 h · the branch
Case facts
Bank
PNB_HFL
Loan amount
₹3,09,000
Loan account no.
NHL/NSK/0926/5211457
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
The branch’s working is the 0.3% challan alone — its words name the 0.5 too
Its own working: 0.3% ₹927 + fees ₹100 = total ₹1,027, with no 0.5% row. But the mail’s words say “926/5211457 LOAN AMOUNT 309000 LOAN AMOUNT 309000 0.30% 927 0.50% 0 FEES 100 DHC 0 TOTAL 1,027 *SANCTION LETTER ATTACHED *CUS”. Open the mail in Gmail and read it as it is shown: when the branch took “& 0.5” out of its template, the copy the app kept may still carry it. This case is marked a full NOI, so it asks for both heads, the handling charge and our fee. As a full NOI this case asks ₹4,310; as the 0.3% challan alone it asks ₹1,027 — the stamp duty ₹927 and ₹100.
The team’s rule (Avinash): a 0.3% stand-alone challan is one of the extra challans we make — the stamp duty and ₹100, nothing filed on the IGR site. The kind decides what goes on the government’s challan, so a person sets it.
Next step
Make the challan — after these are in
This case stands at the challan step, but not everything is in: the branch payment is not verified yet. (the team’s own mail did acknowledge the payment — noted, but the engine holds the challan until the credit itself is seen or a person presses Verify; the team can be wrong too, and catching that is the point) Clear those first — chase drafts wait on Draft mails. The five steps, ready for when everything is clear:
- Open GRAS for this case — the co-pilot walks the menu (Inspector General of Registration → Pay Without Registration → Citizen → Make Payment to Register Your Document → Pay Stamp Duty & Registration Fee Together) and stops on the challan form.
- The form fills itself with NOI-2026-01844 — nothing to type. Green boxes are filled; orange ones want your eyes. (If a link is not where the co-pilot expects, it says so — click that one step yourself and it carries on.) See the challan exactly as it will be typed, the papers beside it →
- Check the figures match these:GRAS will ask exactly: Stamp Duty ₹940 + Registration Fee ₹1,550 = ₹2,490 (also on the Calculator)
- Solve the captcha, press Proceed, and pay by the NOI team's netbanking. (The captcha and the money are always yours, never the engine's.)
- Download the challan PDF and drop it here — the engine reads the GRN, re-checks every figure and name on it, and writes the bank mail (held on Draft mails for your Send):
Where this case stands — the whole trailread by EzDocs as one conversation
The NOI team has received the initial loan documents and payment, and has generated and shared the GRAS e-challan. The team is currently waiting for the bank branch to provide the Index II copy to proceed with the NOI filing.
the trail says the next move is with the branch — the Index II
the trail says challan made is done, but the case stands at Ready for challan — the papers on the case do not show it yet; open the mail it names
the trail says challan shared is done, but the case stands at Ready for challan — the papers on the case do not show it yet; open the mail it names
the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen
✓ loan papers sent — done, mail 1 (2026-09-16) “Sanction Letter attached”
✓ fee paid — the branch's words — done, mail 1 (2026-09-16) “Payment details attached”
✓ challan made — done, mail 4 (2026-09-16) “PFA challan for your reference.”
✓ challan shared — done, mail 4 (2026-09-16) “PFA challan for your reference.”
? Index II asked for — asked, mail 2 (2026-09-16) “For NOI filing, We need an index 2 copy.”
read over 4 mail(s), last mail 2026-09-16 · read 27d 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 hereYOU ARE HERE
Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). The engine reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.
✓ EzDocs checked every box against the document’s own words 27d ago — all agree.
2File the NOI on the IGR site, then tell the branch
then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.
3Send the downloaded e-filing copy
When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.
DHC PRN — 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 | MH010321030202627E | — | pending |
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.
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-2026-01844
DRAFT — written by the engine, not sent
NOI case NOI-2026-01844
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
16 Sep, 17:09 · 27d ago THE FIRST MAIL — how this case began
16 Sep, 17:09 · 27d ago THE FIRST MAIL — how this case began
Process 0.3 Challan in case of SANDIP JANARDAN TURAKANE "NHL/NSK/0926/5211457 "
Dear Team,
Kindly process 0.3 Challan in below case
Customer nameSANDIP JANARDAN TURAKANE
Loan account (LAN)NHL/NSK/0926/5211457
Loan amount₹3,09,000
Stamp duty 0.30%₹927
Service / vendor fees₹100
Total₹1,027
- ✓ 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
0.50%0
DHC0
*Index II CopyOTC.
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
🤖 read: asks for the challan; says the fee is paid ✓; documents attached — “Kindly process 0.3 Challan in below case”
OL
The NOI teamTYPED IN GMAIL
16 Sep, 17:36 · 27d ago
16 Sep, 17:36 · 27d ago
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For NOI filing, We need an index 2 copy.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Wed, 16 Sept 2026 at 17:11, Abhijeet Anil Kale <abhijeet.kale@phfl.com>
wrote:
earlier mails quoted below
Dear Team, Kindly process 0.3 Challan in below case
Customer Name SANDIP JANARDAN TURAKANE
Lan No NHL/NSK/0926/5211457
Loan Amount 309000
LOAN AMOUNT 309000
0.30% 927
0.50% 0
FEES 100
DHC 0
TOTAL 1,027
*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 -----
------------------------------
🤖 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
16 Sep, 17:36 · 27d ago
16 Sep, 17:36 · 27d ago
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For NOI filing, We need an index 2 copy.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Wed, 16 Sept 2026 at 17:11, Abhijeet Anil Kale <abhijeet.kale@phfl.com>
wrote:
earlier mails quoted below
Dear Team, Kindly process 0.3 Challan in below case
Customer Name SANDIP JANARDAN TURAKANE
Lan No NHL/NSK/0926/5211457
Loan Amount 309000
LOAN AMOUNT 309000
0.30% 927
0.50% 0
FEES 100
DHC 0
TOTAL 1,027
*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 -----
------------------------------
🤖 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
16 Sep, 17:50 · 27d ago
16 Sep, 17:50 · 27d ago
Team,
PFA challan for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Wed, 16 Sept 2026 at 17:36, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For NOI filing, We need an index 2 copy.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Wed, 16 Sept 2026 at 17:11, Abhijeet Anil Kale <abhijeet.kale@phfl.com>
wrote:
>
> Dear Team, Kindly process 0.3 Challan in below case
>
>
> Customer Name SANDIP JANARDAN TURAKANE
> Lan No NHL/NSK/0926/5211457
> Loan Amount 309000
>
>
> LOAN AMOUNT 309000
> 0.30% 927
> 0.50% 0
> FEES 100
> DHC 0
> TOTAL 1,027
>
>
> *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 -----
> ------------------------------
>
>
>
🤖 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.
Everything for the challan is in. Make it today.
For the e-filing visit later (not for the challan): Index II copy / Title document
| Document | File — click to open | Status | When |
|---|---|---|---|
| Other | image001.jpg | filed | 27d ago |
| Sanction letter+ Aadhaar card inside+ PAN card inside+ Selfie / photo inside+ Payment screenshot inside | DOC-20260916-WA0012.pdf | filed | 27d ago |
| Paid challan (GRAS) | SANDIP JANARDAN TURAKANE EchallanMH010321030202627E.pdf | filed | 27d 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
₹4,310.87
₹4,310.87
Where it stands
SHORT — less arrived than needed
SHORT — less arrived than needed
Screenshot claims
₹1,030 809039275226
₹1,030 809039275226
Screenshot ₹1,030. Case needs ₹4,310.87. SHORT by ₹3,280.87. Ask the branch for the balance.
why?
A screenshot is the branch's claim, not money seen — and this claim is short of what the case needs. It is ₹3,242 below the real calculation of ₹4,272 (government + DHC + our fee) — so it is short whatever the buffer. The NOI team's 'short amount' letter asks for the balance with the table.
Paid at
19 Sep 14:11:00
19 Sep 14:11:00
Verified on
not yet
not yet
GPay money settled into the PNB account at 19 Sep 14:31 (NEFT AXNGG26241695015). Heard twice; verified once.
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹940 | ₹1,550 | ₹320 | ₹1,500 | ₹4,310 |
By law ₹4,292. We ask ₹4,310 (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.
Property (must be perfect)
23 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Taluka, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Floor …
8 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, Village, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Building (with wing), Flat / shop no, Floor (person 1)
✓ EzDocs checked every box against the document’s own words 27d ago — all agree.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
DOC-20260916-WA0012.pdf
the address
{'PIN': '422010', 'AREA': 'AMBAD', 'FLAT': '171/0184', 'ROAD': NONE, 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'KAPASE GALLI, CHUNCHALE GAON KHALACHE', 'DISTRICT': 'NASHIK', 'POST_OFFICE': 'AMBAD KHURD', 'VILLAGE_CITY': 'NASHIK'}
{'PIN': '422010', 'AREA': 'AMBAD', 'FLAT': '171/0184', 'ROAD': NONE, 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'KAPASE GALLI, CHUNCHALE GAON KHALACHE', 'DISTRICT': 'NASHIK', 'POST_OFFICE': 'AMBAD KHURD', 'VILLAGE_CITY': 'NASHIK'}
THE CHALLAN, as it will be typed
Flat/Survey Number
ROW HOUSE NO 01 SWAMI NARAYAN ROW HOUSES PLOT NO 62 SURVEY NO 64/A CTS NO 3125
ROW HOUSE NO 01 SWAMI NARAYAN ROW HOUSES PLOT NO 62 SURVEY NO 64/A CTS NO 3125
Locality/Road
DATTA NAGAR CHUNCHALE NEAR KARGIL CHOWK
DATTA NAGAR CHUNCHALE NEAR KARGIL CHOWK
Area/City
NASHIK
check or correct a box, the papers beside it →NASHIK
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 | SANDIP JANARDAN TURAKANE | AHSPT8191J | …2543 |
All mail records (for Abhijit — safe to ignore)
2 mail(s) written and held — read and send them on Draft mails.
| Template | To | When |
|---|---|---|
| fee quote | abhijeet.kale@phfl.com | 27d ago |
| documents acknowledged | abhijeet.kale@phfl.com | 27d ago |
| document chase | abhijeet.kale@phfl.com | 27d ago |
What the engine read from each document — check anything marked in red
Other image001.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
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 DOC-20260916-WA0012.pdf needs your check
lan
NHL/NSK/0926/5211457
NHL/NSK/0926/5211457
legible
True
True
loan type
Non Housing Loan, Personal use
Non Housing Loan, Personal use
confidence
1
1
loan amount
300000
300000
final amount
309000
309000
interest rate
9.75
9.75
sanction date
08-Sep-2026
08-Sep-2026
letter version
4
4
applicant email
sandipturkane534@gmail.com
sandipturkane534@gmail.com
applicant names
SANDIP JANARDAN TURAKANE, KALPANA SANDIP TURKANE
SANDIP JANARDAN TURAKANE, KALPANA SANDIP TURKANE
applicant mobile
9623568355
9623568355
property address
pin: 422010; state: MAHARASHTRA; flat_no: PLOT NO 62; district: Nashik; landmark: DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK; full_address: ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES, PLOT NO 62,SR NO 64/A, CTS NO 3125, DA
pin: 422010; state: MAHARASHTRA; flat_no: PLOT NO 62; district: Nashik; landmark: DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK; full_address: ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES, PLOT NO 62,SR NO 64/A, CTS NO 3125, DA
insurance premium
9000
9000
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
309000
309000
security address verbatim
ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES, PLOT NO 62,SR NO 64/A, CTS NO 3125, DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK, Nashik, Nashik,., MAHARASHTRA, India, 422010
ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES, PLOT NO 62,SR NO 64/A, CTS NO 3125, DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK, Nashik, Nashik,., MAHARASHTRA, India, 422010
applicant address verbatim
ROW HOUSE NO.01 SWAMI NARAYAN ROW, HOUSE BEHIND JAY COLLECTION, DATTA NAGAR, NEAR SHIVTIRTHA BUILDING, Nashik, MAHARASHTRA, 422010, India
ROW HOUSE NO.01 SWAMI NARAYAN ROW, HOUSE BEHIND JAY COLLECTION, DATTA NAGAR, NEAR SHIVTIRTHA BUILDING, Nashik, MAHARASHTRA, 422010, India
raw reading (for Abhijit)
{'lan': 'NHL/NSK/0926/5211457', 'legible': True, 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1, 'loan_amount': 300000, 'final_amount': 309000, 'interest_rate': 9.75, 'quality_issue': None, 'sanction_date': '08-Sep-2026', 'letter_version': '4', 'applicant_email': 'sandipturkane534@gmail.com', 'applicant_names': ['SANDIP JANARDAN TURAKANE', 'KALPANA SANDIP TURKANE'], 'applicant_mobile': '9623568355', 'property_address': {'pin': '422010', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'PLOT NO 62', 'district': 'Nashik', 'floor_no': None, 'landmark': 'DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK', 'full_address': 'ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES, PLOT NO 62,SR NO 64/A, CTS NO 3125, DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK, Nashik, Nashik,., MAHARASHTRA, India, 422010', 'village_city': 'Nashik', 'building_name': 'ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES', 'survey_or_cts_no': 'SR NO 64/A, CTS NO 3125'}, 'insurance_premium': 9000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 309000, 'security_address_verbatim': 'ROW HOUSE NO 01, SWAMI NARAYAN ROW HOUSES, PLOT NO 62,SR NO 64/A, CTS NO 3125, DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK, Nashik, Nashik,., MAHARASHTRA, India, 422010', 'applicant_address_verbatim': 'ROW HOUSE NO.01 SWAMI NARAYAN ROW, HOUSE BEHIND JAY COLLECTION, DATTA NAGAR, NEAR SHIVTIRTHA BUILDING, Nashik, MAHARASHTRA, 422010, India'}Sanction letter DOC-20260916-WA0012.pdf needs your check
dob
1979-11-05
1979-11-05
pan
AHSPT8191J
AHSPT8191J
name
SANDIP JANARDAN TURAKANE
SANDIP JANARDAN TURAKANE
legible
True
True
raw reading (for Abhijit)
{'dob': '1979-11-05', 'pan': 'AHSPT8191J', 'name': 'SANDIP JANARDAN TURAKANE', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}Sanction letter DOC-20260916-WA0012.pdf needs your check
dob
1979-11-05
1979-11-05
name
Sandip Janardan Turakane
Sandip Janardan Turakane
address
pin: 422010; area: Ambad; flat: 171/0184; state: Maharashtra; building: Kapase Galli, Chunchale Gaon Khalache; district: Nashik; post_office: Ambad Khurd; village_city: Nashik
pin: 422010; area: Ambad; flat: 171/0184; state: Maharashtra; building: Kapase Galli, Chunchale Gaon Khalache; district: Nashik; post_office: Ambad Khurd; village_city: Nashik
legible
True
True
aadhaar last4
2543
2543
raw reading (for Abhijit)
{'dob': '1979-11-05', 'pan': None, 'name': 'Sandip Janardan Turakane', 'mobile': None, 'address': {'pin': '422010', 'area': 'Ambad', 'flat': '171/0184', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Kapase Galli, Chunchale Gaon Khalache', 'district': 'Nashik', 'post_office': 'Ambad Khurd', 'village_city': 'Nashik'}, 'legible': True, 'aadhaar_last4': '2543', 'quality_issue': None}Sanction letter DOC-20260916-WA0012.pdf needs your check
payments inside
bank: AXIS BANK; kind: bundle; payments: [{'utr': '809039275226', 'date': '2026-09-16', 'page': 9, 'time': '15:18', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 1030.0, 'direction': 'debit', 'narration': 'THINKBIGZ
bank: AXIS BANK; kind: bundle; payments: [{'utr': '809039275226', 'date': '2026-09-16', 'page': 9, 'time': '15:18', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 1030.0, 'direction': 'debit', 'narration': 'THINKBIGZ
raw reading (for Abhijit)
{'payments_inside': {'bank': 'AXIS BANK', 'kind': 'bundle', 'payments': [{'utr': '809039275226', 'date': '2026-09-16', 'page': 9, 'time': '15:18', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 1030.0, 'direction': 'debit', 'narration': 'THINKBIGZ INITIATIVE PVT LTD', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '0911', 'account_holder': 'Sandip Janardan Turakane'}}Sanction letter DOC-20260916-WA0012.pdf needs your check
payments inside
kind: bundle; payments: [{'utr': '809039275226', 'date': '2026-09-16', 'page': 9, 'time': '15:18', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 1030.0, 'direction': 'debit', 'narration': 'THINKBIGZ INITIATIVE PVT L
kind: bundle; payments: [{'utr': '809039275226', 'date': '2026-09-16', 'page': 9, 'time': '15:18', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 1030.0, 'direction': 'debit', 'narration': 'THINKBIGZ INITIATIVE PVT L
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'bundle', 'payments': [{'utr': '809039275226', 'date': '2026-09-16', 'page': 9, 'time': '15:18', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 1030.0, 'direction': 'debit', 'narration': 'THINKBIGZ INITIATIVE PVT LTD / 9892834356-2@okbizaxis', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '000911', 'account_holder': None}}Other image001.jpg needs your check
payments inside
kind: other; payments: []
kind: other; payments: []
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': None, 'account_last4': None, 'account_holder': None}}Paid challan (GRAS) SANDIP JANARDAN TURAKANE EchallanMH010321030202627E.pdf needs your check
grn
MH010321030202627E
MH010321030202627E
pin
422010
422010
total
930
930
article
Sale of Non Judicial Stamps IGR Rest of Maha
Sale of Non Judicial Stamps IGR Rest of Maha
defaced
False
False
bank cin
03006172026091601230
03006172026091601230
district
NASHIK
NASHIK
area city
NASHIK
NASHIK
payer pan
AHSXXXXXXJ
AHSXXXXXXJ
flat block
ROW HOUSE NO 01, SWAMI NARAYAN ROW
ROW HOUSE NO 01, SWAMI NARAYAN ROW
payer name
SANDIP JANARDAN TURAKANE
SANDIP JANARDAN TURAKANE
sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR
NSK5_NASHIK 5 JOINT SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=309000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=309000
scheme rows
{'amount': 930, 'head_code': '0030046401', 'description': 'Sale of NonJudicial Stamp'}
{'amount': 930, 'head_code': '0030046401', 'description': 'Sale of NonJudicial Stamp'}
payer mobile
XXXXXX8355
XXXXXX8355
payment date
16/09/2026
16/09/2026
road locality
DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK
DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
309000
309000
raw reading (for Abhijit)
{'grn': 'MH010321030202627E', 'pin': '422010', 'total': 930, 'article': 'Sale of Non Judicial Stamps IGR Rest of Maha', 'defaced': False, 'bank_cin': '03006172026091601230', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'AHSXXXXXXJ', 'flat_block': 'ROW HOUSE NO 01, SWAMI NARAYAN ROW', 'payer_name': 'SANDIP JANARDAN TURAKANE', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=309000', 'scheme_rows': [{'amount': 930, 'head_code': '0030046401', 'description': 'Sale of NonJudicial Stamp'}], 'payer_mobile': 'XXXXXX8355', 'payment_date': '16/09/2026', 'road_locality': 'DATTA NAGAR, CHUNCHALE, NEAR KARGIL CHOWK', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '309000'}Technical record (for Abhijit — safe to ignore)
| 14d ago | system:learn | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed AHxxxxxxXJ — no paper on the |
| 16d ago | system:ingest | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 24d ago | system:sms | case_reevaluated | {'stage_after': 'CHALLAN_PENDING'} |
| 24d ago | system:payments | gpay_settled | {'utr': 'AXNGG26241695015', 'why': 'Google settled the GPay Business money into the PNB account by NEFT — the same payment the app announced, now in the bank', 'amount': 1027.0, 'alert_at': '2026-09-19 08:41:07', 'lump_s |
| 24d ago | system:sms | case_reevaluated | {'stage_after': 'CHALLAN_PENDING'} |
| 24d ago | system:payments | payment_short | {'why': '₹2,215 below the real calculation (government + DHC + our fee) — short, whatever the gap to our ask', 'delta': -2253.87, 'method': 'bank_own_total+payee_road+gpay_alert+part', 'expected': 4310.87, 'received': 20 |
| 24d ago | system:payments | payment_part_added | {'why': 'the branch paid short and then paid the balance — the parts are added up and the sum is judged', 'earlier': 1030.0, 'expected': 4310.87, 'this_credit': 1027.0, 'now_received': 2057.0} |
| 24d ago | system:payments | receivable_snapshot | {'before': {'delta': -3280.87, 'status': 'short', 'paid_at': '2026-09-16T10:02:15+00:00', 'received': 1030.0, 'risk_flags': [], 'verified_at': None, 'match_method': 'screenshot_sms_amount', 'received_utr': 'AXNGG25917777 |
| 27d ago | system:ingest | trail_read | {'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_ |
| 27d ago | system:ingest | challan_partial | {'kind': 'split', 'words': '0.3% Rs.940 paid · 0.5% Rs.1550 MISSING — the other head is still to pay', 'still_to_pay': ['0.5% registration fee Rs.1550']} |
| 27d 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': 'SANDIP JANARDAN TUR |
| 27d ago | system:extract | challan_verified_against_case | {'grn': 'MH010321030202627E', 'file': 'SANDIP JANARDAN TURAKANE EchallanMH010321030202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code (not p |
| 27d ago | system:extract | challan_extracted | {'grn': 'MH010321030202627E', 'file': 'SANDIP JANARDAN TURAKANE EchallanMH010321030202627E.pdf', 'heads': ['0030046401'], 'total': 930} |
| 27d ago | system:reconcile | quoted_history_checked | {} |
| 27d ago | copilot | copilot_check_ok | {'why': 'the reader audited what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 12} |
| 27d ago | ops:copilot | challan_numbers_from_reading | {'why': "the property row keeps two numbers; the challan's box must carry every number the paper prints or the office reads another property", 'file': 'DOC-20260916-WA0012.pdf', 'from': 'the sanction letter', 'added': [' |
| 27d ago | ops:copilot | challan_numbers_from_reading | {'why': "the property row keeps two numbers; the challan's box must carry every number the paper prints or the office reads another property", 'file': 'DOC-20260916-WA0012.pdf', 'from': 'the sanction letter', 'added': [' |
| 27d ago | system:ingest | trail_read | {'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid'], 'mails': 2, 'summar |
| 27d ago | system:reconcile | extra_challan_scanned | {'found': 0} |
| 27d ago | system:emails | 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: NHL/NSK/0926/5211 |
| 27d ago | system:emails | chase_held_back | {'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ['Short payment: Rs. 3,280.87 balance pending (received Rs. 1,030.00 against Rs. 4,310.87)']} |
| 27d ago | system:extract | property_self_check | {'ok': True, 'why': "the reader judged every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 11, 'trigger': 'quick sweep'} |
| 27d ago | system:emails | chase_held_back | {'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ['Short payment: Rs. 3,280.87 balance pending (received Rs. 1,030.00 against Rs. 4,310.87)']} |
| 27d ago | system:emails | chase_held_back | {'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ['Short payment: Rs. 3,280.87 balance pending (received Rs. 1,030.00 against Rs. 4,310.87)']} |
| 27d ago | system:payments | hidden_payment_scan | {'file': 'image001.jpg', 'kind': 'other', 'found': 0, 'doc_id': '24137f8f-3404-4588-b08e-960da8d85354', 'fetched': True} |
| 27d ago | system:payments | hidden_payment_scan | {'file': 'DOC-20260916-WA0012.pdf', 'kind': 'bundle', 'found': 1, 'doc_id': '57d24053-724c-4524-8e2c-a900ca9c41d9', 'fetched': True} |
| 27d ago | system:payments | payment_found_in_statement | {'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'DOC-20260916-WA0012 |
| 27d ago | system:payments | claim_part_duplicate | {'utr': '809039275226', 'date': '2026-09-16', 'parts': 1, 'amount': 1030.0, 'claimed_total': 1030.0} |
| 27d ago | system:ingest | trail_read | {'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'index2_sent'], 'mails': 1, 'sum |
| 27d ago | system:emails | email_shadowed:doc_chase | {'to': 'abhijeet.kale@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NSK/0926/5211457), the following is pending from your end:\n\n 1. Short payment: Rs. 3,280.87 balance pending (recei |
Case diary the case’s history — what happened, newest day first
Papers
Challan papers in; e-filing papers pending
For the visit later: Index II copy / Title document
Money
SHORT — ₹2,057 of ₹4,310.87 received
₹2,253.87 still to come before the challan.
Challan & filing
Ready for the challan
Make it on GRAS — the Calculator holds the figures.
Next — whose move
Us
make the challan
Needs your eyes: Payment SHORT by ₹3,280.87 (₹1,030 of ₹4,310.87). Money received is short — ₹2,253.87 still to come. Bank under-collected — money at risk — see Facts.
27 Sep1 thing
mail read as shown
19 Sep4 things — 1 money step · 1 caution · 2 steps
gpay settled
Payment short of what the case needs
The balance must come before the challan.
A second credit was added to the first
Two credits for one case — added up, the sum is judged.
receivable snapshot
16 Sep41 things — 3 documents received · 5 letters written · 2 cautions · 31 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
One challan of two is paid — the other head is still to pay
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
SANDIP JANARDAN TURAKANE EchallanMH010321030202627E.pdf
quoted history checked
copilot check ok — by copilot
challan numbers from reading — by copilot
challan numbers from reading — by copilot
EzDocs read the whole trail as one conversation — where the case stands is on the page
extra challan scanned
An old draft withdrew itself — its asks were already answered
Nothing new to ask for — stayed quiet
property self check
Nothing new to ask for — stayed quiet
Nothing new to ask for — stayed quiet
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
claim part duplicate
EzDocs read the whole trail as one conversation — where the case stands is on the page
Wrote the document chase mail — held, silent mode
Process 0.3 Challan in case of SANDIP JANARDAN TURAKANE "NHL/NSK/0926/5211457 "
boxes gathered
challan boxes composed
documents read together
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment short of what the case needs
The balance must come before the challan.
receivable snapshot
screenshot claim recorded
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-01844
acknowledged with advice
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-01844
The branch's own fee working disagrees with the law
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
applicant email captured
Property address read from the sanction letter
Received: Sanction letter
DOC-20260916-WA0012.pdf
Received: other
image001.jpg
name from subject
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.
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