Cases / NOI-2026-02811

Umesh Vishwakarma

LAN 77000358305 Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 7

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needsall in

9 of 9 in hand.
the challan is done — these are for the IGR filing / KYC

✓Sanction letteropen

✓PAN cardopen

✓Technical reportopen

✓Payment screenshot — shows ₹35,060; money not verified yetopen

✓Aadhaar cardopen

✓LSR (search report)open

✓Paid challan (GRAS)open

✓Selfie / photo — inside 20260912_142708281_sign.pdfopen

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

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

For you to check

The work is done — our fee of ₹35,060.93 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹35,060.93CASE MARK

Nothing has reached our account yet. Only a credit our bank shows us counts.

₹0 received — the branch’s receipt claims ₹35,060; we wait for the credit itself

Ask for the exact ₹35,060.93. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%18,010

Registration fee 0.5%15,000

Government handling350

Our service fee1,700.93

Total we ask for35,060.93

Screenshot ₹35,060 — verified by itself the moment the bank credit is heard.

Paid by GPay at 2026-09-30 — verified when Google's NEFT lands in the PNB account (within hours).

This money went to the Google Pay Business account on the Vivo (EZDOCS). That ear is working (last reached us 15 Oct 16:38 — 29 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹35,050. We ask ₹35,060 (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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 1 h 04 minour time · 30 Sep 16:19

Index II —not yet

the NOI team 16 d 6 hthe branch 1 d 4 htotal 17 d 10 h so far

Now with the NOI team — e-filing on IGR

since 30 Sep 16:19 — 16 d 5 h of working time

Day by day — every step and who held it

29 Sep 11:00Your branch's mail

29 Sep 11:12Papers read+12 min · the NOI team

29 Sep 11:12Fee quotedat once

30 Sep 15:27Papers from your branch+1 d 4 h · the branch

30 Sep 15:30Papers read+3 min · the NOI team

30 Sep 15:30Property readat once

30 Sep 15:30Papers readat once

30 Sep 16:19Challan made+49 min · the NOI team

Case facts

Bank

ICICI_HFC

Loan amount

₹60,00,000

Loan account no.

77000358305

Bank’s own ref

—

Kind of case — the amount follows this

0.3% only / top-up: the branch asks for the 0.3% challan alone (a top-up, or a stand-alone 0.3% challan) — the stamp duty and ₹100, nothing is filed. Change this and the amount re-works itself.

Who paid the challan

The ask carries the stamp duty and registration fee we will pay on GRAS. If their own vendor already paid the challans, switch this — the ask re-works to our fee alone.

Open the filing pack all the challan needs

Next step

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

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

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

Before opening the portal, EzDocs sees:

• Mortgagor pages: SUNITA DEVI is named on the sanction letter (KFSLetter_77000358305 (1).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: SUNITA VISHWKARMA is named on the sanction letter (KFSLetter_77000358305 (1).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

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

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

• SUNITA DEVI: PAN missing — no PAN card of SUNITA DEVI is read on the file — the PAN cards on it (UMESH RAMJI VISHWAKARMA, Applicant_20260912120556209314.pdf; MUKESH RAMJI VISHWAKARMA, 20260912_142708281_sign.pdf) are beside the form; type the PAN off the person's own card

• SUNITA DEVI: birth date missing — no PAN card of SUNITA DEVI is read on the file — the PAN cards on it (UMESH RAMJI VISHWAKARMA, Applicant_20260912120556209314.pdf; MUKESH RAMJI VISHWAKARMA, 20260912_142708281_sign.pdf) are beside the form; type the birth date off the person's own card

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

CHECKInterest rate changed

Sanction letter of 29 Sep	10.65%
Sanction letter of 30 Sep	9.05%

Why it matters: The bank issued two sanction letters on consecutive days with different interest rates. The later letter of 30 Sep is used for the e-filing.

What to do: Verify with the branch that 9.05% is indeed the correct rate to record.

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

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

The NOI team has provided the fee calculation and shared the challan. The team is now waiting for the branch to provide the Index II copy to proceed with the NOI process.

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

the branch last asked: Please share Challan,

✓ loan papers sent — done, mail 4 (2026-09-30) “Kindly find the Payments Details & Addition documest for Challan,”

✓ fee asked — done, mail 3 (2026-09-29) “PFA calculation sheet.”

✓ challan made — done, mail 6 (2026-09-30) “PFA Challan for your reference.”

✓ challan shared — done, mail 6 (2026-09-30) “PFA Challan for your reference.”

✓ Index II asked for — done, mail 7 (2026-09-30) “Kindly share the index 2 copy for the NOI Process”

read over 7 mail(s), last mail 2026-09-30 · read 16d 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 (16d 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	MH011165906202627E	—	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

Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

how it will look to the branch

Team,

Kindly share the index 2 copy for the NOI process. Kindly treat it urgent — the challan will expire soon.

Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

The conversation, word for word — attachments open on click. Mail thread, oldest first.

This is the case's own Gmail thread, oldest first — the first mail is how the case began, and every later mail lands here the moment it arrives. Search on the Cases page finds any words written below.

📑 Open mails & papers — each mail beside its papers, ← → the next paper

TD tiwari.dinesh@icicihfc.com icicihfc.com
29 Sep, 11:00 · 17d ago THE FIRST MAIL — how this case began

Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

📎 KFSLetter_77000346367.pdf ↗📎 KFSLetter_77000346368.pdf ↗📎 KFSLetter_77000358305.pdf ↗📎 image.png ↗

Dear Team,

Kindly share NOI and 0.3 Calculation below mention case,

Customer name :-UMESH VISHWAKARMA

Loan Amount :- 60,00,000/-

Appliocation No :- 77000358305

Sanction latter attachedfor your refreance, aslo share Payments deatils and QR Code,

Thanks & Regards,
Vikas Tiwari
Mobile No. 7718903663
Email Id - tiwari.dinesh@icicihfc.com<mailto:tiwari.dinesh@icicihfc.com>
[cid:image001.jpg@01D43E15.F6F69EE0]

🤖 read: asks for the fee / a quote, a payment receipt; documents attached — “Kindly share NOI and 0.3 Calculation below mention case,”

4 more mails in between — open

TD tiwari.dinesh@icicihfc.com icicihfc.com
29 Sep, 11:01 · 17d ago

Dear Team,

Kindly share NOI and 0.3 Calculation below mention case,

Customer name :-UMESH VISHWAKARMA

Loan Amount :- 60,00,000/-

Appliocation No :- 77000358305

Sanction latter attachedfor your refreance, aslo share Payments deatils and QR Code,

Thanks & Regards,
Vikas Tiwari
Mobile No. 7718903663
Email Id - tiwari.dinesh@icicihfc.com<mailto:tiwari.dinesh@icicihfc.com>
[cid:image001.jpg@01D43E15.F6F69EE0]

🤖 read: asks for the fee / a quote, a payment receipt; documents attached — “Kindly share NOI and 0.3 Calculation below mention case,”

OL The NOI teamTYPED IN GMAIL
29 Sep, 11:27 · 17d ago

Team,

Loan amount₹60,00,000

Stamp duty 0.30%₹18,010

Registration fee 0.50%₹15,000

Total₹35,060

PFA calculation sheet.

NOI CALCULATOR

NOI Govt Fees

Govt.Document Handling Charges Fixed350

350

Service Fees for NOI

Filling1700

1700

Aradhana Rai

NOI Coordinator | One Legal +91 8888706969

earlier mails quoted below

On Tue, 29 Sept 2026 at 11:01, Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com > wrote:

Dear Team,

Kindly share NOI and 0.3 Calculation below mention case,

Customer name :- UMESH VISHWAKARMA

Loan Amount :- 60,00,000/-

Appliocation No :- 77000358305

Sanction latter attached for your refreance, aslo share Payments deatils and QR Code,

Thanks & Regards,

Vikas Tiwari

Mobile No. 7718903663

Email Id - tiwari.dinesh@icicihfc.com

🤖 read: The NOI team has sent a calculation sheet for the government fees and service fees for NOI.

TD tiwari.dinesh@icicihfc.com icicihfc.com
30 Sep, 15:27 · 16d ago

📎 20260912_142708281_sign.pdf ↗📎 Applicant_20260912120556209314.pdf ↗📎 Outlook-xatc04mf.png ↗📎 IMG-20260930-WA0002.jpg ↗📎 247180RUL129.pdf ↗📎 247180RUL129 (1).pdf ↗📎 KFSLetter_77000358305 (1).pdf ↗📎 DSC-POSITIVE LOR + SEARCH OF UMESH RAMJI V ↗

Dear Team,

Kindly find the Payments Details & Addition documest for Challan,

Kindly Check and share Challan,

Let me know if any assistance is needed

Note :-NOI to be created by Ezdocs where in NOI building No. 2 (also known as A2) to be stated.

Thanks & Regards,

Vikas Tiwari

Mobile No. 7718903663

Email Id - tiwari.dinesh@icicihfc.com

From: NOI ICICIHFC <icicihfcnoi@ezdocs.co.in>

Sent: Tuesday, September 29, 2026 11:27 AM

To: Tiwari Dinesh /DIST/ICICIHFC/THANE <tiwari.dinesh@icicihfc.com>; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER <vijay.wahul@icicihfc.com>; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER <akshay.kamerkar@icicihfc.com>; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC TOWER
<siddesh.ajvilkar@icicihfc.com>; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER <parshuram.kandurakar@ext.icicihfc.com>

Cc: Anna Gawade /DIST/ICICIHFC/THANE <anna.gawade@icicihfc.com>; Gajanan Parge /DIST/ICICIHFC/THANE <gajanan.parge@icicihfc.

🤖 read: asks for the challan; documents attached; note: NOI to be created by Ezdocs where in NOI building No. 2 (also known as A2) to be stated. — “Kindly Check and share Challan,”

TD tiwari.dinesh@icicihfc.com icicihfc.com
30 Sep, 16:04 · 16d ago

Dear Team,

Please share Challan,

Thanks & Regards,

Vikas Tiwari

From: Tiwari Dinesh /DIST/ICICIHFC/THANE <tiwari.dinesh@icicihfc.com>

Sent: Wednesday, September 30, 2026 3:27 PM

To: NOI ICICIHFC <icicihfcnoi@ezdocs.co.in>

Cc: Anna Gawade /DIST/ICICIHFC/THANE <anna.gawade@icicihfc.com>; Gajanan Parge /DIST/ICICIHFC/THANE <gajanan.parge@icicihfc.com>; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER <vijay.wahul@icicihfc.com>; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER
<parshuram.kandurakar@ext.icicihfc.com>; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC TOWER <siddesh.ajvilkar@icicihfc.com>; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER <akshay.kamerkar@icicihfc.com>

Subject: Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77

🤖 read: asks for the challan — “Please share Challan,”

OL The NOI teamTYPED IN GMAIL
30 Sep, 16:25 · 16d ago

📎 UMESH RAMJI VISHWAKARMA EchallanMH01116590 ↗

Team

PFA Challan for your reference.

Aradhana Rai

NOI Coordinator | One Legal +91 8888706969

earlier mails quoted below

On Wed, 30 Sept 2026 at 16:04, Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com > wrote:

Dear Team,

Please share Challan,

Thanks & Regards,

Vikas Tiwari

From: Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com >

Sent: Wednesday, September 30, 2026 3:27 PM

To: NOI ICICIHFC < icicihfcnoi@ezdocs.co.in >

Cc: Anna Gawade /DIST/ICICIHFC/THANE < anna.gawade@icicihfc.com >; Gajanan Parge /DIST/ICICIHFC/THANE < gajanan.parge@icicihfc.com >; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER < vijay.wahul@icicihfc.com >; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER
< parshuram.kandurakar@ext.icicihfc.com >; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC TOWER < siddesh.ajvilkar@icicihfc.com >; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER < akshay.kamerkar@icicihfc.com >

Subject: Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

Dear Team,

Kindly find the Payments Details & Addition documest for Challan,

Kindly Check and share Challan,

Let me know if any assistance is needed

Note :- NOI to be created by Ezdocs where in NOI building No. 2 (also known as A2) to be stated.

Thanks & Regards,

Vikas Tiwari

Mobile No. 7718903663

Email Id - tiwari.dinesh@icicihfc.com

From: NOI ICICIHFC < icicihfcnoi@ezdocs.co.in >

Sent: Tuesday, September 29, 2026 11:27 AM

To: Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com >; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER < vijay.wahul@icicihfc.com >; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER < akshay.kamerkar@icicihfc.com >; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC TOWER
< siddesh.ajvilkar@icicihfc.com >; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER < parshuram.kandurakar@ext.icicihfc.com >

Cc: Anna Gawade /DIST/ICICIHFC/THANE < anna.gawade@icicihfc.com >; Gajanan Parge /DIST/ICICIHFC/THANE < gajanan.parge@icicihfc.com >

Subject: Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

CAUTION: External Email Warning - Do not click on any attachment or links/URL in this email unless sender is reliable.

Team,

PFA calculation sheet.

NOI CALCULATOR

Loan Amount Including Insurance

6,000,000

NOI Govt Fees

Stamp Duty

0.30%

18010.00

Registration Fees

0.50%

15000.00

Govt.Document Handling Charges Fixed

350

350

Service Fees for NOI Filling

1700

1700

Total Amount FOR NOI

35060.00

Aradhana Rai

NOI Coordinator | One Legal

+91 8888706969

On Tue, 29 Sept 2026 at 11:01, Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com >
wrote:

Dear Team,

Kindly share NOI and 0.3 Calculation below mention case,

Customer name :- UMESH VISHWAKARMA

Loan Amount :- 60,00,000/-

Appliocation No :- 77000358305

Sanction latter attached for your refreance, aslo share Payments deatils and QR Code,

Thanks & Regards,

Vikas Tiwari

Mobile No. 7718903663

Email Id - tiwari.dinesh@icicihfc.com

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

OL The NOI teamTYPED IN GMAIL
30 Sep, 16:25 · 16d ago

Team

Kindly share the index 2 copy for the NOI Process

Aradhana Rai

NOI Coordinator | One Legal +91 8888706969

earlier mails quoted below

On Wed, 30 Sept 2026 at 16:25, NOI ICICIHFC < icicihfcnoi@ezdocs.co.in > wrote:

Team

PFA Challan for your reference.

Aradhana Rai
NOI Coordinator | One Legal +91 8888706969

On Wed, 30 Sept 2026 at 16:04, Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com > wrote:

Dear Team,

Please share Challan,

Thanks & Regards,

Vikas Tiwari

From: Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com >

Sent: Wednesday, September 30, 2026 3:27 PM

To: NOI ICICIHFC < icicihfcnoi@ezdocs.co.in >

Cc: Anna Gawade /DIST/ICICIHFC/THANE < anna.gawade@icicihfc.com >; Gajanan Parge /DIST/ICICIHFC/THANE < gajanan.parge@icicihfc.com >; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER < vijay.wahul@icicihfc.com >; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER
< parshuram.kandurakar@ext.icicihfc.com >; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC TOWER < siddesh.ajvilkar@icicihfc.com >; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER < akshay.kamerkar@icicihfc.com >

Subject: Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

Dear Team,

Kindly find the Payments Details & Addition documest for Challan,

Kindly Check and share Challan,

Let me know if any assistance is needed

Note :- NOI to be created by Ezdocs where in NOI building No. 2 (also known as A2) to be stated.

Thanks & Regards,

Vikas Tiwari

Mobile No. 7718903663

Email Id - tiwari.dinesh@icicihfc.com

From: NOI ICICIHFC < icicihfcnoi@ezdocs.co.in >

Sent: Tuesday, September 29, 2026 11:27 AM

To: Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com >; Vijay Wahul / /ICICIHFC/ICICIHFC TOWER < vijay.wahul@icicihfc.com >; Akshay Kamerkar / /ICICIHFC/ICICIHFC TOWER < akshay.kamerkar@icicihfc.com >; Siddesh Ajvilkar / /ICICIHFC/ICICIHFC TOWER
< siddesh.ajvilkar@icicihfc.com >; Parshuram Kandurakar /EXT/OPER/ICICIHFC/ICICIHFC TOWER < parshuram.kandurakar@ext.icicihfc.com >

Cc: Anna Gawade /DIST/ICICIHFC/THANE < anna.gawade@icicihfc.com >; Gajanan Parge /DIST/ICICIHFC/THANE < gajanan.parge@icicihfc.com >

Subject: Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

CAUTION: External Email Warning - Do not click on any attachment or links/URL in this email unless sender is reliable.

Team,

PFA calculation sheet.

NOI CALCULATOR

Loan Amount Including Insurance

6,000,000

NOI Govt Fees

Stamp Duty

0.30%

18010.00

Registration Fees

0.50%

15000.00

Govt.Document Handling Charges Fixed

350

350

Service Fees for NOI Filling

1700

1700

Total Amount FOR NOI

35060.00

Aradhana Rai

NOI Coordinator | One Legal

+91 8888706969

On Tue, 29 Sept 2026 at 11:01, Tiwari Dinesh /DIST/ICICIHFC/THANE < tiwari.dinesh@icicihfc.com >
wrote:

Dear Team,

Kindly share NOI and 0.3 Calculation below mention case,

Customer name :- UMESH VISHWAKARMA

Loan Amount :- 60,00,000/-

Appliocation No :- 77000358305

Sanction latter attached for your refreance, aslo share Payments deatils and QR Code,

Thanks & Regards,

Vikas Tiwari

Mobile No. 7718903663

Email Id - tiwari.dinesh@icicihfc.com

🤖 read: The team asks the branch to share the Index 2 copy.

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
Sanction letter	KFSLetter_77000346367.pdf	another customer's paper — not used	17d ago
Sanction letter	KFSLetter_77000346368.pdf	another customer's paper — not used	17d ago
Sanction letter	KFSLetter_77000358305.pdf	filed	17d ago
Other	image.png	filed	17d ago
PAN card+ Selfie / photo inside	20260912_142708281_sign.pdf	filed	16d ago
PAN card	Applicant_20260912120556209314.pdf	filed	16d ago
Technical report	Outlook-xatc04mf.png	filed	16d ago
Payment screenshot	IMG-20260930-WA0002.jpg	filed	16d ago
Aadhaar card	247180RUL129.pdf	filed	16d ago
Aadhaar card	247180RUL129 (1).pdf	filed	16d ago
Sanction letter	KFSLetter_77000358305 (1).pdf	filed	16d ago
LSR (search report)	DSC-POSITIVE LOR + SEARCH OF UMESH RAMJI VISHWAKARMA-29.09.2026.pdf	filed	16d ago
Paid challan (GRAS)	UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf	filed	16d 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
₹35,060.93

Where it stands
waiting for the credit

Screenshot claims
₹35,060 615048915749

Screenshot ₹35,060 — verified by itself the moment the bank credit is heard.

Paid by GPay at 2026-09-30 — verified when Google's NEFT lands in the PNB account (within hours).

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹18,010	₹15,000	₹350	₹1,700	₹35,060

By law ₹35,050. We ask ₹35,060 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage

20 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …

✗ EzDocs found boxes that do NOT agree with the document (16d ago) — open the verification page; they are marked in red.

CHECKED by EzDocs, from the technical report — correct any box that is off; a correction clears thissource: the technical report (Outlook-xatc04mf.png) 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)

✓ in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

✓ in the document

Area (sq.mt, carpet)

⚠ not in the document

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A And B Chsl, Ghodbunder Road, S. No. 191 192 At Village Kavesar Thane West - 400615

saving a change clears verification until someone verifies again

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

the technical report BASE — the challan follows this

Outlook-xatc04mf.png

Property Address line
FLAT NO. 404, 4TH FLOOR, BUILDING NO.A-2,SADGURU GARDEN A AND B CHSLCOSMOS PARK ,ROAD VILLAGE KAVESAR THANE WEST,400615

Legal Address line
FLAT NO. 404, 4TH FLOOR, BUILDING NO.2, SADGURU GARDEN A AND B CHSL, GHODBUNDER ROAD, S. NO. 191 192 AT VILLAGE KAVESAR THANE WEST - 400615

PIN
400615

the legal report (TSR)

DSC-POSITIVE LOR + SEARCH OF UMESH RAMJI VISHWAKARMA-29.09.2

as printed
FLAT NO. 404 ADMEASURING 579 SQ. FT. CARPET AREA ON THE 4TH FLOOR, IN THE BUILDING NO. 2 IN THE COMPLEX KNOWN AS "SHREE SADGURU GARDEN" OF THE SOCIETY KNOWN AS "SADGURU GARDEN 'A' AND 'B' CO-OPERATIVE HOUSING SOCIETY LIMITED", CONSTRUCTED ON THE LAND ADMEASURING 6860 SQ. METERS, BEARING SURVEY NO.191, 192, OF VILLAGE - KAVESAR, SITUATE, LYING AND BEING AT NEAR VIJAY GARDEN, BEHIND KANCHANPUSHPA, KAVESAR, GHODBUNDER ROAD, WITHIN THE LIMITS OF THANE MUNICIPAL CORPORATION AND WITHIN THE REGISTRATION DISTRICT AND SUB-DISTRICT OF THANE, THANE (WEST) – 400615

PIN
400615

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 404 4TH FLOOR BUILDING NO 2 SADGURU GARDEN A AND B CHSL SURVEY NO 191 192

Locality/Road
GHODBUNDER ROAD AT VILLAGE KAVESAR THANE WEST NEAR VIJAY GARDEN BEHIND KANCHANPUSHPA

Area/City
THANE

check or correct a box, the papers beside it →

the legal report (TSR) also prints: 579, 6860, KANCHANPUSHPA, SHREE, VIJAY

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
co_mortgagor	MUKESH RAMJI VISHWAKARMA	BLAPV8301B	…2345
mortgagor	UMESH RAMJI VISHWAKARMA	AJAPV8726D	…1933

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	tiwari.dinesh@icicihfc.com	17d ago
fee quote	tiwari.dinesh@icicihfc.com	17d ago
document chase	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	17d ago
documents acknowledged	tiwari.dinesh@icicihfc.com	16d ago
questions for the branch — what the papers leave open	tiwari.dinesh@icicihfc.com	16d ago
Index II chase	tiwari.dinesh@icicihfc.com	14d ago
Index II chase	tiwari.dinesh@icicihfc.com	9d ago
Index II chase	tiwari.dinesh@icicihfc.com	6d ago
Index II chase	tiwari.dinesh@icicihfc.com	11h ago

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

Sanction letter KFSLetter_77000346368.pdf needs your check

lan
77000346368

legible
True

purpose
Non Home Loan and Others

loan type
Non Home Loan and Others

confidence
1

linked refs
77000346367 App Number

loan amount
7711282

final amount
7711282

interest rate
10.5

not this case
True

quality issue
it prints MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis; this case's people are Umesh Vishwakarma — another customer's sanction letter (the branch sends several customers' papers in one mail). Kindly share this cas

sanction date
22/09/2026

applicant email
milindphadanavis@gmail.com

applicant names
MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis

printed altered
False

applicant mobile
+91-9967514946

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
A-5, 102 Saket Complex, Saket Complex Veer Savarkar Marg, Thane, Thane, THANE, MAHARASHTRA, IN, 400601

raw reading (for Abhijit)

{'lan': '77000346368', 'legible': True, 'purpose': 'Non Home Loan and Others', 'borrowers': [], 'loan_type': 'Non Home Loan and Others', 'confidence': 1, 'handwritten': [], 'linked_refs': ['77000346367 App Number'], 'loan_amount': 7711282, 'final_amount': 7711282, 'interest_rate': 10.5, 'not_this_case': True, 'quality_issue': "it prints MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis; this case's people are Umesh Vishwakarma — another customer's sanction letter (the branch sends several customers' papers in one mail). Kindly share this case's own sanction letter", 'sanction_date': '22/09/2026', 'letter_version': None, 'applicant_email': 'milindphadanavis@gmail.com', 'applicant_names': ['MILIND VASANT PHADANAVIS', 'Madhavi Milind Phadanavis'], 'printed_altered': False, 'applicant_mobile': '+91-9967514946', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'A-5, 102 Saket Complex, Saket Complex Veer Savarkar Marg, Thane, Thane, THANE, MAHARASHTRA, IN, 400601'}

Other image.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Sanction letter KFSLetter_77000346367.pdf needs your check

lan
77000346367

legible
True

purpose
Home Loan and Purchase/Improvement of Property

borrowers
{'name': 'MILIND VASANT PHADANAVIS', 'role': 'applicant', 'label': 'Customer Name'}, {'name': 'Madhavi Milind Phadanavis', 'role': 'co_applicant', 'label': 'Customer Name'}

loan type
Home Loan

confidence
1

linked refs
77000346368

loan amount
1788718

final amount
1788718

interest rate
9.95

not this case
True

quality issue
EzDocs (reading the whole file): This KFS letter has loan number 77000346367 and names Milind Phadanavis, whereas our case is for Umesh Vishwakarma under loan 77000358305.; the paper itself prints MILIND VASANT PHADANAVIS,

sanction date
22/09/2026

applicant email
milindphadanavis@gmail.com

applicant names
MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis

printed altered
False

applicant mobile
9967514946

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
A-5, 102 Saket Complex, Saket Complex Veer Savarkar Marg, Thane, Thane, THANE, MAHARASHTRA, IN, 400601

raw reading (for Abhijit)

{'lan': '77000346367', 'legible': True, 'purpose': 'Home Loan and Purchase/Improvement of Property', 'borrowers': [{'name': 'MILIND VASANT PHADANAVIS', 'role': 'applicant', 'label': 'Customer Name'}, {'name': 'Madhavi Milind Phadanavis', 'role': 'co_applicant', 'label': 'Customer Name'}], 'loan_type': 'Home Loan', 'confidence': 1, 'handwritten': [], 'linked_refs': ['77000346368'], 'loan_amount': 1788718, 'final_amount': 1788718, 'interest_rate': 9.95, 'not_this_case': True, 'quality_issue': "the reading of the whole file: This KFS letter has loan number 77000346367 and names Milind Phadanavis, whereas our case is for Umesh Vishwakarma under loan 77000358305.; the paper itself prints MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis — none of this file's people (Umesh Vishwakarma, UMESH RAMJI VISHWAKARMA, MUKESH RAMJI VISHWAKARMA, SUNITA DEVI). Kindly share this case's own sanction l", 'sanction_date': '22/09/2026', 'letter_version': None, 'applicant_email': 'milindphadanavis@gmail.com', 'applicant_names': ['MILIND VASANT PHADANAVIS', 'Madhavi Milind Phadanavis'], 'printed_altered': False, 'applicant_mobile': '9967514946', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'A-5, 102 Saket Complex, Saket Complex Veer Savarkar Marg, Thane, Thane, THANE, MAHARASHTRA, IN, 400601'}

Sanction letter KFSLetter_77000358305.pdf needs your check

lan
77000358305

legible
True

purpose
Home Loan and Purchase/Improvement of Property

loan type
Home Loan

confidence
1

loan amount
6000000

final amount
6000000

interest rate
10.65

sanction date
29/09/2026

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

applicant email
Umeshvishwakarma725@gmail.com

applicant names
UMESH RAMJI VISHWAKARMA, MUKESH RAMJI VISHWAKARMA, SUNITA DEVI, SUNITA VISHWKARMA

printed altered
False

applicant mobile
+91-9833473517

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
Flat No 106, Shilp Vastu F1, Thane Bhiwandi Road, Amane, Thane, THANE, MAHARASHTRA, IN, 421302

raw reading (for Abhijit)

{'lan': '77000358305', 'legible': True, 'purpose': 'Home Loan and Purchase/Improvement of Property', 'borrowers': [], 'loan_type': 'Home Loan', 'confidence': 1, 'handwritten': [], 'linked_refs': [], 'loan_amount': 6000000, 'final_amount': 6000000, 'interest_rate': 10.65, 'quality_issue': None, 'sanction_date': '29/09/2026', 'letter_version': 'HF-38-VER-14-01072026/KFS', 'applicant_email': 'Umeshvishwakarma725@gmail.com', 'applicant_names': ['UMESH RAMJI VISHWAKARMA', 'MUKESH RAMJI VISHWAKARMA', 'SUNITA DEVI', 'SUNITA VISHWKARMA'], 'printed_altered': False, 'applicant_mobile': '+91-9833473517', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'Flat No 106, Shilp Vastu F1, Thane Bhiwandi Road, Amane, Thane, THANE, MAHARASHTRA, IN, 421302'}

Sanction letter KFSLetter_77000346367.pdf needs your check

found
False

paper for
loan_ref: 77000346367; customer_name: MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis

confidence
1.0

not this case
True

quality issue
it prints customer 'MILIND VASANT PHADANAVIS, Madhavi Milind Phadana', loan/application 77000346367; this case is Umesh Vishwakarma, LAN 77000358305 — another customer's paper. Kindly share this case's own sanction lette

property address

raw reading (for Abhijit)

{'found': False, 'found_in': None, 'area_sq_m': None, 'paper_for': {'loan_ref': '77000346367', 'report_id': None, 'customer_name': 'MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis'}, 'pin_other': None, 'confidence': 1.0, 'address_lines': None, 'not_this_case': True, 'quality_issue': "it prints customer 'MILIND VASANT PHADANAVIS, Madhavi Milind Phadana', loan/application 77000346367; this case is Umesh Vishwakarma, LAN 77000358305 — another customer's paper. Kindly share this case's own sanction letter", 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'security_address_verbatim': None}

Sanction letter KFSLetter_77000346368.pdf needs your check

found
False

paper for
loan_ref: 77000346368; customer_name: MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis

confidence
1.0

not this case
True

quality issue
it prints customer 'MILIND VASANT PHADANAVIS, Madhavi Milind Phadana', loan/application 77000346368; this case is Umesh Vishwakarma, LAN 77000358305 — another customer's paper. Kindly share this case's own sanction lette

property address

raw reading (for Abhijit)

{'found': False, 'found_in': None, 'area_sq_m': None, 'paper_for': {'loan_ref': '77000346368', 'report_id': None, 'customer_name': 'MILIND VASANT PHADANAVIS, Madhavi Milind Phadanavis'}, 'pin_other': None, 'confidence': 1.0, 'address_lines': None, 'not_this_case': True, 'quality_issue': "it prints customer 'MILIND VASANT PHADANAVIS, Madhavi Milind Phadana', loan/application 77000346368; this case is Umesh Vishwakarma, LAN 77000358305 — another customer's paper. Kindly share this case's own sanction letter", 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'security_address_verbatim': None}

Other image.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Sanction letter KFSLetter_77000358305.pdf needs your check

found
False

paper for
loan_ref: 77000358305; customer_name: UMESH RAMJI VISHWAKARMA, MUKESH RAMJI VISHWAKARMA, SUNITA DEVI, SUNITA VISHWKARMA

confidence
1.0

property address

raw reading (for Abhijit)

{'found': False, 'found_in': None, 'area_sq_m': None, 'paper_for': {'loan_ref': '77000358305', 'report_id': None, 'customer_name': 'UMESH RAMJI VISHWAKARMA, MUKESH RAMJI VISHWAKARMA, SUNITA DEVI, SUNITA VISHWKARMA'}, 'pin_other': None, 'confidence': 1.0, 'address_lines': None, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'security_address_verbatim': None}

Payment screenshot IMG-20260930-WA0002.jpg needs your check

utr
615048915749

date
2026-09-30

time
13:29

amount
35060

method
Paytm UPI

payee upi
******3535@okbizaxis

payer upi
******3517@ptyes

payee name
EZDOCS

payer name
Umesh Ramji Vishwakarma

raw reading (for Abhijit)

{'utr': '615048915749', 'date': '2026-09-30', 'time': '13:29', 'amount': 35060, 'method': 'Paytm UPI', 'payee_upi': '******3535@okbizaxis', 'payer_upi': '******3517@ptyes', 'payee_name': 'EZDOCS', 'payer_name': 'Umesh Ramji Vishwakarma', 'debit_notification_text': None}

PAN card 20260912_142708281_sign.pdf needs your check

dob
1993-02-04

pan
BLAPV8301B

name
MUKESH RAMJI VISHWAKARMA

legible
True

father name
RAMJI VISHWAKARMA

raw reading (for Abhijit)

{'dob': '1993-02-04', 'pan': 'BLAPV8301B', 'name': 'MUKESH RAMJI VISHWAKARMA', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'RAMJI VISHWAKARMA', 'aadhaar_last4': None, 'quality_issue': None}

PAN card Applicant_20260912120556209314.pdf needs your check

dob
1984-01-10

pan
AJAPV8726D

name
UMESH RAMJI VISHWAKARMA

legible
True

father name
RAMJI VISHWAKARMA

raw reading (for Abhijit)

{'dob': '1984-01-10', 'pan': 'AJAPV8726D', 'name': 'UMESH RAMJI VISHWAKARMA', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'RAMJI VISHWAKARMA', 'aadhaar_last4': None, 'quality_issue': None}

Technical report Outlook-xatc04mf.png needs your check

found
True

found in
INDIVIDUAL TECHNICAL REPORT

paper for
loan_ref: 77000358305; report_id: HRQ-26-169275; customer_name: Umesh Ramji Vishwakarma

confidence
0.98

address lines
taken: legal; legal_address: Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A And B Chsl, Ghodbunder Road, S. No. 191 192 At Village Kavesar Thane West - 400615; property_address: Flat No. 404, 4th Floor, Buildin

property address
pin: 400615; road: Ghodbunder Road; state: Maharashtra; Flat no: Flat No. 404; district: Thane; Floor: 4th Floor; landmark: Near.Coral Heights; Address: Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A An

security address verbatim
Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A And B Chsl, Ghodbunder Road, S. No. 191 192 At Village Kavesar Thane West - 400615

raw reading (for Abhijit)

{'found': True, 'found_in': 'INDIVIDUAL TECHNICAL REPORT', 'area_sq_m': None, 'paper_for': {'loan_ref': '77000358305', 'report_id': 'HRQ-26-169275', 'customer_name': 'Umesh Ramji Vishwakarma'}, 'pin_other': None, 'confidence': 0.98, 'address_lines': {'taken': 'legal', 'legal_address': 'Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A And B Chsl, Ghodbunder Road, S. No. 191 192 At Village Kavesar Thane West - 400615', 'property_address': 'Flat No. 404, 4th Floor, Building No.A-2,Sadguru Garden A And B Chslcosmos Park ,Road Village Kavesar Thane West,400615'}, 'property_address': {'pin': '400615', 'road': 'Ghodbunder Road', 'state': 'Maharashtra', 'taluka': None, 'flat_no': 'Flat No. 404', 'district': 'Thane', 'floor_no': '4th Floor', 'landmark': 'Near.Coral Heights', 'full_address': 'Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A And B Chsl, Ghodbunder Road, S. No. 191 192 At Village Kavesar Thane West - 400615', 'village_city': 'Kavesar', 'building_name': 'Building No.2, Sadguru Garden A And B Chsl', 'survey_or_cts_no': 'S. No. 191 192'}, 'security_address_verbatim': 'Flat No. 404, 4th Floor, Building No.2, Sadguru Garden A And B Chsl, Ghodbunder Road, S. No. 191 192 At Village Kavesar Thane West - 400615'}

Sanction letter KFSLetter_77000358305 (1).pdf needs your check

lan
77000358305

legible
True

purpose
Home Loan and Purchase/Improvement of Property

loan type
Home Loan and Purchase/Improvement of Property

confidence
1

rate words
IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)9.85% 9.05 %p.a

loan amount
6000000

rate spread
-9.85

final amount
6000000

interest rate
9.05

sanction date
29/09/2026

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

reference rate
18.9

applicant email
Umeshvishwakarma725@gmail.com

applicant names
UMESH RAMJI VISHWAKARMA, MUKESH RAMJI VISHWAKARMA, SUNITA DEVI, SUNITA VISHWKARMA

printed altered
False

applicant mobile
+91-9833473517

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
Flat No 106, Shilp Vastu F1, Thane Bhiwandi Road, Amane, Thane, THANE, MAHARASHTRA, IN, 421302

raw reading (for Abhijit)

{'lan': '77000358305', 'legible': True, 'purpose': 'Home Loan and Purchase/Improvement of Property', 'borrowers': [], 'loan_type': 'Home Loan and Purchase/Improvement of Property', 'confidence': 1, 'rate_words': 'IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)9.85% 9.05 %p.a', 'handwritten': [], 'linked_refs': [], 'loan_amount': 6000000, 'rate_spread': -9.85, 'final_amount': 6000000, 'interest_rate': 9.05, 'quality_issue': None, 'sanction_date': '29/09/2026', 'letter_version': 'HF-38-VER-14-01072026/KFS', 'reference_rate': 18.9, 'applicant_email': 'Umeshvishwakarma725@gmail.com', 'applicant_names': ['UMESH RAMJI VISHWAKARMA', 'MUKESH RAMJI VISHWAKARMA', 'SUNITA DEVI', 'SUNITA VISHWKARMA'], 'printed_altered': False, 'applicant_mobile': '+91-9833473517', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'Flat No 106, Shilp Vastu F1, Thane Bhiwandi Road, Amane, Thane, THANE, MAHARASHTRA, IN, 421302'}

Aadhaar card 247180RUL129.pdf needs your check

dob
1984-01-10

name
Umesh Ramji Vishwakarma

address
pin: 421302; area: Near Maytri Park; flat: Flat No 106; road: Thane Bhiwandi Road; state: Maharashtra; building: shilp Vastu F1; district: Thane; post_office: Kalher; Village: Kasheli Bhiwandi, Kasheli

legible
True

aadhaar last4
1933

raw reading (for Abhijit)

{'dob': '1984-01-10', 'pan': None, 'name': 'Umesh Ramji Vishwakarma', 'mobile': None, 'address': {'pin': '421302', 'area': 'Near Maytri Park', 'flat': 'Flat No 106', 'road': 'Thane Bhiwandi Road', 'floor': None, 'state': 'Maharashtra', 'building': 'shilp Vastu F1', 'district': 'Thane', 'post_office': 'Kalher', 'village_city': 'Kasheli Bhiwandi, Kasheli'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '1933', 'quality_issue': None}

LSR (search report) DSC-POSITIVE LOR + SEARCH OF UMESH RAMJI VISHWAKARMA-29.09.2026.pdf needs your check

found
True

found in
PART I: PROPERTY DETAILS: 7. Description of the Property (with Boundaries)

area sq m
53.79

paper for
loan_ref: 77000358305; report_id: LVT-SEP26-ICHF-1655; customer_name: MR. UMESH RAMJI VISHWAKARMA

confidence
0.95

property address
pin: 400615; road: GHODBUNDER ROAD; state: MAHARASHTRA; taluka: THANE; Flat no: FLAT NO 404; district: THANE; Floor: 4; landmark: NEAR VIJAY GARDEN, BEHIND KANCHANPUSHPA; Address: Flat No. 404, 4th Floor, Buildin

security address verbatim
Flat No. 404 admeasuring 579 Sq. Ft. Carpet area on the 4th floor, in the building no. 2 in the Complex known as "Shree Sadguru Garden" of the Society known as "Sadguru Garden 'A' and 'B' Co-Operative Housing Society Lim

raw reading (for Abhijit)

{'found': True, 'found_in': 'PART I: PROPERTY DETAILS: 7. Description of the Property (with Boundaries)', 'area_sq_m': 53.79, 'paper_for': {'loan_ref': '77000358305', 'report_id': 'LVT-SEP26-ICHF-1655', 'customer_name': 'MR. UMESH RAMJI VISHWAKARMA'}, 'pin_other': None, 'confidence': 0.95, 'address_lines': None, 'property_address': {'pin': '400615', 'road': 'GHODBUNDER ROAD', 'state': 'MAHARASHTRA', 'taluka': 'THANE', 'flat_no': 'FLAT NO 404', 'district': 'THANE', 'floor_no': '4', 'landmark': 'NEAR VIJAY GARDEN, BEHIND KANCHANPUSHPA', 'full_address': "Flat No. 404, 4th Floor, Building No. 2, Shree Sadguru Garden, Sadguru Garden 'A' and 'B' Co-Operative Housing Society Limited, Survey No. 191, 192, Village Kavesar, Ghodbunder Road, Thane West - 400615", 'village_city': 'KAVESAR', 'building_name': 'BUILDING NO 2, SHREE SADGURU GARDEN, SADGURU GARDEN A AND B COOPERATIVE HOUSING SOCIETY LIMITED', 'survey_or_cts_no': 'SURVEY NO 191, 192'}, 'security_address_verbatim': 'Flat No. 404 admeasuring 579 Sq. Ft. Carpet area on the 4th floor, in the building no. 2 in the Complex known as "Shree Sadguru Garden" of the Society known as "Sadguru Garden \'A\' and \'B\' Co-Operative Housing Society Limited", constructed on the land admeasuring 6860 sq. meters, bearing Survey No.191, 192, of Village - Kavesar, Situate, lying and being at Near Vijay Garden, Behind Kanchanpushpa, Kavesar, Ghodbunder Road, within the limits of Thane Municipal Corporation and within the Registration District and Sub-District of Thane, Thane (West) – 400615'}

Aadhaar card 247180RUL129 (1).pdf needs your check

dob
1993-02-04

name
Mukesh Ramji Vishwakarma

address
pin: 421302; area: Near Maytri Park, Kasheli Bhiwandi, Kasheli; flat: Flat No 106; road: Thane Bhiwandi Road; state: Maharashtra; building: shilp Vastu F1; district: Thane; post_office: Kalher

legible
True

aadhaar last4
2345

raw reading (for Abhijit)

{'dob': '1993-02-04', 'pan': None, 'name': 'Mukesh Ramji Vishwakarma', 'mobile': None, 'address': {'pin': '421302', 'area': 'Near Maytri Park, Kasheli Bhiwandi, Kasheli', 'flat': 'Flat No 106', 'road': 'Thane Bhiwandi Road', 'floor': None, 'state': 'Maharashtra', 'building': 'shilp Vastu F1', 'district': 'Thane', 'post_office': 'Kalher', 'village_city': None}, 'legible': True, 'father_name': None, 'aadhaar_last4': '2345', 'quality_issue': None}

Paid challan (GRAS) UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf needs your check

grn
MH011165906202627E

pin
400615

total
33010.0

article
6(1)

defaced
False

bank cin
03006172026093001423

district
THANE

area city
THANE

payer pan
AJAXXXXXXD

flat block
FLAT NO 404 4TH FLOOR BUILDING NO 2

payer name
UMESH RAMJI VISHWAKARMA

sro office
THN2_THANE 2 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=6000000

scheme rows
{'amount': 18010.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX3517

payment date
30/09/2026-16:19:17

road locality
SURVEY NO 191 192 MOUJE KAVESAR GHODBUNDER ROAD KAVESAR THANE WEST

second party pan
AAACI6285N

second party name
ICICI HOME FINANCE COMPANY LTD

consideration amount
6000000

raw reading (for Abhijit)

{'grn': 'MH011165906202627E', 'pin': '400615', 'total': 33010.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026093001423', 'district': 'THANE', 'area_city': 'THANE', 'payer_pan': 'AJAXXXXXXD', 'flat_block': 'FLAT NO 404 4TH FLOOR BUILDING NO 2', 'payer_name': 'UMESH RAMJI VISHWAKARMA', 'sro_office': 'THN2_THANE 2 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=6000000', 'scheme_rows': [{'amount': 18010.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3517', 'payment_date': '30/09/2026-16:19:17', 'road_locality': 'SURVEY NO 191 192 MOUJE KAVESAR GHODBUNDER ROAD KAVESAR THANE WEST', 'second_party_pan': 'AAACI6285N', 'second_party_name': 'ICICI HOME FINANCE COMPANY LTD', 'consideration_amount': '6000000'}

Payment screenshot IMG-20260930-WA0002.jpg needs your check

payments inside
bank: The Cosmos Co-Operative Bank; kind: payment_screenshot; payments: [{'utr': '615048915749', 'date': '2026-09-30', 'page': 1, 'time': '13:29', 'payee': 'EZDOCS', 'amount': 35060.0, 'direction': 'credit', 'narration':

raw reading (for Abhijit)

{'payments_inside': {'bank': 'The Cosmos Co-Operative Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '615048915749', 'date': '2026-09-30', 'page': 1, 'time': '13:29', 'payee': 'EZDOCS', 'amount': 35060.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '2615', 'account_holder': 'Umesh Ramji Vishwakarma'}}

Paid challan (GRAS) UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf 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}}

LSR (search report) DSC-POSITIVE LOR + SEARCH OF UMESH RAMJI VISHWAKARMA-29.09.2026.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Sanction letter KFSLetter_77000358305 (1).pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Technical report Outlook-xatc04mf.png needs your check

payments inside
payments: []; rows_read: 0

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': None, 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}

Technical record (for Abhijit — safe to ignore)

11h ago	EzDocs	email_shadowed:index2_chase	{'to': 'tiwari.dinesh@icicihfc.com', 'body': 'Team,\n\nKindly share the index 2 copy for the NOI process. Kindly treat it urgent — the challan will expire soon.\n\nAradhana Rai\nNOI Coordinator \| One Legal\n+91 888870696
11h ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
1d ago	EzDocs	reader_efiling_verdict	{'fp': 'aef7262131a65e11', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is missing and is a required field for the f
6d ago	EzDocs	email_shadowed:index2_chase	{'to': 'tiwari.dinesh@icicihfc.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: 77000358305) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
6d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
9d ago	EzDocs	email_shadowed:index2_chase	{'to': 'tiwari.dinesh@icicihfc.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: 77000358305) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
9d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
14d ago	EzDocs	hidden_payment_scan	{'file': 'Outlook-xatc04mf.png', 'kind': None, 'found': 0, 'doc_id': 'bb04740a-56f4-4ed5-84d2-7d1edd8c87aa', 'fetched': True}
14d ago	EzDocs	hidden_payment_scan	{'file': 'KFSLetter_77000358305 (1).pdf', 'kind': None, 'found': 0, 'doc_id': 'e5915533-c820-401a-be51-e25d93940f53', 'fetched': True}
14d ago	EzDocs	hidden_payment_scan	{'file': 'DSC-POSITIVE LOR + SEARCH OF UMESH RAMJI VISHWAKARMA-29.09.2026.pdf', 'kind': None, 'found': 0, 'doc_id': 'dabb79bd-1d98-4755-99ca-0233ec0b2ec3', 'fetched': True}
14d ago	EzDocs	hidden_payment_scan	{'file': 'UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf', 'kind': 'other', 'found': 0, 'doc_id': 'a47fdc80-e92d-492a-93e5-9dbbda5d3c88', 'fetched': True}
14d ago	EzDocs	email_shadowed:index2_chase	{'to': 'tiwari.dinesh@icicihfc.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: 77000358305) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
14d ago	EzDocs	draft_withdrawn	{'why': 'the index2 chase makes it pointless — it would ask for what the case already has', 'count': 2, 'kinds': ['ack_docs', 'fee_quote']}
15d ago	EzDocs	draft_withdrawn	{'why': 'the case is past the challan — the questions are moot', 'count': 1, 'kinds': ['branch_questions']}
15d ago	EzDocs	half_read_mail_reread	{'why': 'this mail named 2 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'icicihfcnoi@ezdocs.co.in',
15d ago	EzDocs	documents_read_together	{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 2, 'seconds': 1.6, 'workers': 2}
16d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260930-WA0002.jpg', 'kind': 'payment_screenshot', 'found': 0, 'doc_id': '71160067-b7ca-46f9-8679-90956795f076', 'fetched': True}
16d ago	EzDocs	half_read_mail_reread	{'why': 'this mail named 2 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'icicihfcnoi@ezdocs.co.in',
16d ago	EzDocs	documents_read_together	{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 2, 'seconds': 1.6, 'workers': 2}
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': 'Payer PAN', 'words': 'Payer PAN: the team typed AJxxxxxxXD — no paper on the
16d 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': ['documents', 'fee_asked', 'challan', 'challan_sh
16d ago	EzDocs	filing_waits_on_title_doc	{'was': 'US', '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 bran
16d ago	EzDocs	challan_found_on_case	{'was': 'ACKNOWLEDGED', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf', 'kind':
16d 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': 'UMESH RAMJI VISHWAK
16d ago	EzDocs	sro_office_learned	{'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'THN2_THANE 2 JOINT SUB REGISTRAR', 'district': 'THANE'}
16d ago	EzDocs	challan_verified_against_case	{'grn': 'MH011165906202627E', 'file': 'UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
16d ago	EzDocs	challan_extracted	{'grn': 'MH011165906202627E', 'file': 'UMESH RAMJI VISHWAKARMA EchallanMH011165906202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 33010.0}
16d ago	EzDocs	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '384922', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the
16d ago	NIKHIL	copilot_edit	{'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'ICICI_HFC', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours'
16d ago	EzDocs	paper_locate	{'fp': '565f81a0b9d9df8a', 'box': [378, 22, 549, 994], 'why': "The property address is found in the 'PROPERTY ADDRESS' section, including 'Property Address', 'Legal Address', 'Location', 'City', 'State', 'Pin Code', 'Cou

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

Papers

All 7 in hand

Nothing more to ask the branch for

Money

₹35,060 claimed · credit not seen

Counts as received only on the 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: The work is done — our fee of ₹35,060.93 is still not in our account. Chase the branch for it.

Today · 16 Oct2 things

Wrote the Index II chase mail — held, silent mode

Re: Calculate NOI & 0.3 UMESH VISHWAKARMA // 77000358305

10:00

An old draft withdrew itself — its asks were already answered

10:00

Yesterday · 15 Oct1 thing — 1 step

EzDocs checked the e-filing boxes against the papers

18:47

10 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02811 | 77000358305

10:00

An old draft withdrew itself — its asks were already answered

10:00

7 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02811 | 77000358305

10:00

An old draft withdrew itself — its asks were already answered

10:00

2 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02811 | 77000358305