⚠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.
MAKARAND MANOHAR KADGAONKAR
LAN HOU/SOL/0826/5201273Loan ₹17,51,000NOIMails & papers 5 1 new 1 draft to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
12 Oct, 10:14
Documents
Payment
Challan
done 12 Oct, 10:20 · GRAS ↗
Filing
took 1h 45m · IGR e-filing ↗
E-filing copy
done 12 Oct, 12:05
Index II
took 1d 2h
doneIndex II shared · the trail says: The branch has sent some photos, but the NOI team requires a colour live selfie photo of the applicants to proceed with the filing. The case is waiting for the…whole case so far 1d 17h
Needs your eyes3
Only the branch's own Index II is on file — not the registered copy of our filing. Mail or upload it.
The work is done — our fee of ₹15,840.96 is still not in our account. Chase the branch for it.
Payment proof is from 2026-08-22 — an old receipt?
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
Yesterday · 13 Oct1 thing
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
12 Oct81 things — 13 documents received · 2 letters written · 66 steps
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
extra challan scanned
cards read
cards read
cards read
index2 docno read
The home address was read off the papers — by ezdocs:reader
thread docs swept
Documents the branch had sent were fetched from the mail thread
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
Madam Photo.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
Sir Photo.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
Received: Selfie
Shubham photo.jpg
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
file note490
challan extracted
A challan on the case could not be placed — whose it is must be read by a person; it does not count until then
bundle holds503 — by ezdocs:reader
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
Received: Challan
KADGAONKAR MAKARAND MANOHAR EchallanMH008846219202627E.pdf
stale claim flagged
screenshot claim recorded
Received: Payment screenshot
IMG-20260822-WA0061.jpg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Two documents disagree on a PAN — needs a person
Received: PAN card
Madam Pan.jpg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
roles from letter
Co-applicant added
card mobile not taken
kyc address read
Received: Aadhaar
Madam Adhar card.pdf
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: PAN card
Sir Pan Card.jpg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
box disagreement
kyc address read
Received: Aadhaar
Shubham Adhar card.pdf
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
roles from letter
Co-applicant added
card mobile not taken
kyc address read
Received: Aadhaar
Sir Adhar Card.pdf
roles from letter
party name corrected from card
Received: PAN card
Shubham Pan.jpg
Nothing new to ask for — stayed quiet
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03389
The file seems to show a payment to us but no row could be read — open it
A challan on the case could not be placed — whose it is must be read by a person; it does not count until then
property self check
property from index2
index2 people checked
index2 extra purchaser
property english extracted
index2 people checked
index2 extra purchaser
Index II (title document) received from the branch
Received: Index II
IMG-20260822-WA0033.jpg
money settled — by ezdocs:reader
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
Received: Sanction letter
SL.pdf
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
old thread stored only
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needs1 still to come
8 of 9 in hand · the challan is done — these are for the filing / KYC
✓Sanction letteropen
✓PAN cardopen
✓Aadhaar cardopen
✓Paid challan (GRAS)open
✓Selfie / photoopen
A challan whose owner could not be read — not counted until a person says — inside IMG-20260822-WA0033.jpgopen
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 13 files
The file, as the engine remembers it13 open
The file is complete for PNB Housing Finance Ltd with loan amount 1751000 (including insurance). The property is Flat No 804, 8th Floor, Plot No 8, Survey No 32/A3/A2, Balaji Heights, Neharu Nagar, Solapur. Payer is Makarand Manohar Kadgaonkar, with co-applicants Shubham Makarand Kadgaonkar and Shub
○the photo — the branch
○Makarand Manohar Kadgaonkar — mobile — the branch
○Makarand Manohar Kadgaonkar — e-mail — the branch
○Makarand Manohar Kadgaonkar — home flat — the branch
○SHUBHAM MAKARAND KADGAONKAR — home flat — the branch
○शुभदा का डगा वकर Shubhada Kadgaonkar — PAN — the branch
○शुभदा का डगा वकर Shubhada Kadgaonkar — mobile — the branch
○शुभदा का डगा वकर Shubhada Kadgaonkar — e-mail — the branch
○शुभदा का डगा वकर Shubhada Kadgaonkar — home building — the branch
○शुभदा का डगा वकर Shubhada Kadgaonkar — home flat — the branch
… and 3 more
the branch's last mail (2026-10-12): The branch is sending photos and needs to provide live selfie photos of the applicants for NOI filing.
read once, kept; every new mail and paper is read against this note · kept 2026-10-12T04:46 UTC
Moneywaiting for the credit
₹15,840.96
Nothing has reached our account yet — only a credit our bank shows us counts.
Screenshot ₹15,810 — ₹31 under our ask, not below the real calculation ₹15,808. Counts as full. Nothing to ask.
why?
The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our round-ups are the buffer. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
This payment is from the Vyapar QR (HDFC) at 2026-08-22 — the engine cannot hear this road. Please verify manually. Verify manually ↓
The working
Stamp duty 0.3%5,260
Registration fee 0.5%8,760
Government handling320
Our service fee1,500
Total we ask for15,840.96
By law ₹15,828. We ask ₹15,840 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Propertyby the engine, from the Index II
804, 8th, Balaji Heights, SURVEY, 360, Nehru Nagar, 413004
read from the Index II · e-filing boxes 48 of 58 ready
Check the property →the boxes beside the paper
People
Makarand Manohar Kadgaonkar · applicantBKIPK8372GSHUBHAM MAKARAND KADGAONKAR · co-applicantPANPK2483Kशुभदा का डगा वकर Shubhada Kadgaonkar · co-applicant…6627
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