⚠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.
Rakesh Kedarnath Pal
LAN MH/MRD/MRAD/A000000826Loan ₹13,00,000NOIMails & papers 21 2 drafts 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)
doneIndex II shared · the trail says: The NOI filing process is complete. All required documents have been submitted and shared, and the NOI Index II has been provided for case closure.whole case so far 28d 14h
Needs your eyes1
3 difference(s) between the papers to look at once — none stops the challan. See them →
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
5 Oct14 things
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
address compared
challan boxes composed
box disagreement
box disagreement
box disagreement
box disagreement
box disagreement
pages trimmed480
property numbers completed
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
RAKESH K PAL Index-II.pdf
27 Sep2 things — 2 steps
mail read as shown
mail read as shown
26 Sep3 things — 3 steps
mail read as shown
mail read as shown
mail read as shown
24 Sep1 thing — 1 step
Checked: this challan is not another case's
16 Sep6 things — 1 document received · 1 letter written · 4 steps
loan amount rebased
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
desk documents backfill
EzDocs read the whole trail as one conversation — where the case stands is on the page
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9991509260506.pdf
15 Sep145 things — 15 documents received · 6 letters written · 2 money steps · 3 cautions · 119 steps
desk documents backfill
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
EzDocs read the whole trail as one conversation — where the case stands is on the page
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9991509260506.pdf
The draft e-filing copy went to the bank — waiting for its approval
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
challan boxes by rules
documents read together
Selfie checked — a live one
A real selfie — usable for the e-filing.
Document could not be read — a clear copy was asked for
this is not a live selfie
Received: Selfie
WhatsApp Image 2026-09-15 at 4.17.04 PM.jpeg
Received: Selfie — not usable
WhatsApp Image 2026-09-15 at 3.54.42 PM.jpeg — this is not a live selfie
half read mail reread
boxes gathered
challan boxes by rules
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
challan boxes by rules
EzDocs read the whole trail as one conversation — where the case stands is on the page
documents read together
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
WhatsApp Image 2026-09-15 at 3.02.04 PM.jpeg
half read mail reread
boxes gathered
challan boxes by rules
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
challan boxes by rules
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
WhatsApp Image 2026-09-15 at 2.33.06 PM.jpeg
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
challan boxes by rules
box disagreement
documents read together
desk documents backfill
EzDocs read the whole trail as one conversation — where the case stands is on the page
Judged again with today's rules, the challan still does not match the case — a person opens it
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The challan on the case was paid on another loan figure — it counts, and the loan amount is to be settled before the e-filing
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
Received: Challan
RAKESH K PAL EchallanMH010212575202627E.pdf
copilot check issues — by copilot
challan boxes by rules
challan boxes by rules
challan boxes by rules
challan boxes by rules
challan boxes by rules
challan boxes by rules
challan boxes by rules
copilot check issues — by copilot
challan boxes by rules
challan boxes by rules
A note to Abhijit was written from this case's page — by DARBAR
A note to Abhijit was written from this case's page — by DARBAR
copilot check issues — by copilot
challan boxes by rules
challan boxes by rules
challan boxes by rules
copilot check issues — by copilot
challan boxes by rules
challan boxes by rules
challan boxes by rules
copilot check ok — by copilot
challan boxes by rules
copilot check issues — by copilot
challan boxes by rules
challan boxes by rules
challan boxes by rules
EzDocs read the whole trail as one conversation — where the case stands is on the page
kyc address missing
boxes gathered
address compared
challan boxes by rules
box disagreement
property self check
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-01770
An old draft withdrew itself — its asks were already answered
property from index2
index2 people checked
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
screenshot claim recorded
Received: Payment screenshot
WhatsApp Image 2026-09-15 at 1.13.21 PM.jpeg
Nothing new to ask for — stayed quiet
desk base differs
desk quote read
quoted history checked
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
Wrote the document chase mail — held, silent mode
Noi Filling in case of Rakesh Kedarnath Pal Lan No: MH/MRD/MRAD/A000000826
boxes gathered
address compared
challan boxes composed
box disagreement
box disagreement
box disagreement
Nothing new to ask for — stayed quiet
property self check
property from index2
index2 people checked
Nothing new to ask for — stayed quiet
documents read together
property self check
property from index2
index2 people checked
property english extracted
Nothing new to ask for — stayed quiet
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-01770
Property address read from the sanction letter
The loan base was corrected to the sanction letter's with-insurance total — every figure re-worked itself
Every fee figure re-worked itself on the new base.
EzDocs read the whole trail as one conversation — where the case stands is on the page
Property read from the Index II
index2 people checked
Index II (title document) received from the branch
Selfie checked — a live one
A real selfie — usable for the e-filing.
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Sanction letter
DOC-20260822-WA0003.pdf
Received: Selfie
WhatsApp Image 2026-09-12 at 2.48.17 PM.jpeg
Co-applicant added
Received: Selfie
WhatsApp Image 2026-09-12 at 2.46.07 PM.jpeg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Received: PAN card
WhatsApp Image 2026-09-12 at 11.59.25 AM (1).jpeg
Co-applicant added
kyc address read
Received: Index II
index2.pdf
Received: Aadhaar
WhatsApp Image 2026-09-12 at 11.59.25 AM (2).jpeg
Received: Aadhaar
WhatsApp Image 2026-09-12 at 11.59.25 AM.jpeg
Received: PAN card
WhatsApp Image 2026-09-12 at 11.59.26 AM.jpeg
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needsall in
10 of 10 in hand · the challan is done — these are for the filing / KYC
✓PAN cardopen
✓Aadhaar cardopen
✓Selfie / photoopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 17 files
The whole file has not been read yet17 papers on file
Moneyall of it is in
₹11,460.63
Reached our account 15 Sep 13:13:03.
How we know
Our own bank told us — 15 Sep 13:13
₹12,340 · UTR 129642687056 · from BP-HDFCBN-S
“Successful! You have received Rs. 12340.00 via HDFC Bank SmartHub Vyapar from Mr SAURABH . RRN-129642687056 , Check: https://1.hdfc.bank.in/HDFCBK/s/1pYVgYkl”
Matched by: the screenshot's amount AND its minute agree with this credit
The working
Stamp duty 0.3%3,910
Registration fee 0.5%6,510
Government handling320
Our service fee1,600
Total we ask for11,460.63
By law ₹11,436.32. We ask ₹12,340 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Propertyby the engine, from the Index II
204, 2nd, Anand Nagar B Co-Op Hsg Soc Ltd., C-Wing, SURVEY, 3/11, OLD -79/11, OLD 79/11, Ghodev, 401105
read from the Index II · e-filing boxes 48 of 58 ready
Check the property →the boxes beside the paper
People
NIRMALA RAKESH PAL · applicantCCDPP0539CRakesh Kedarnath Pal · co-applicantALIPP3285FRAKESH K PAL · co-applicantALIPP3285F
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