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Cases / NOI-2026-03618

Harpan Kudache

HINDUJA_HFLLAN MH/KLP/KLPR/A000003877 Challan paid · our move File on IGRAll documentsMails & papers 5
Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needsall in
11 of 11 in hand.
the challan is done — these are for the IGR filing / KYC
✓PAN cardopen
✓Selfie / photoopen
✓Payment screenshot — shows ₹14,160; money not verified yetopen
✓Sanction letteropen
✓A mail's picture (a signature logo, a banner) — not a paperopen
✓Aadhaar cardopen
✓LSR (search report)open
✓Paid challan (GRAS)open
✓Index II — the branch's own title copy, an input; the address was read from itopen
✓Bank's calculation sheet — inside SANCTION_202033MHKLPKLPRA000003877open
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
All files (13)A label is wrong? Fix it under All documents.
a file on the mail that is not here — every mail of this case is walked again, what lands is read at once
For you to check
  • The work is done — our fee of ₹14,180.58 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹14,180.58CASE MARK
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹14,160; we wait for the credit itself
Ask for the exact ₹14,180.58. Those paise are this case’s own mark — the credit finds its case with nothing else needed.
Stamp duty 0.3%4,600
Registration fee 0.5%7,660
Government handling320
Our service fee1,600.58
Total we ask for14,180.58
Screenshot ₹14,160 — ₹21 under our ask, not below the real calculation ₹14,140. Counts as full. Nothing to ask.
Screenshot ₹14,160 — verified by itself the moment the bank credit is heard.
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.
Paid by UPI to ....535m@pnb at 2026-10-16 — the PNB SMS verifies it within minutes.
This money went to the PNB UPI id on the Vivo (EZDOCS). That ear is working (last reached us 16 Oct 18:52 — 0 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan under a minuteour time (made after working hours) · 11:45
Index II —not yet
the NOI team 1 h 41 minthe branch 5 h 34 mintotal 7 h 15 min so far
Now with the NOI team — e-filing on IGR
since 17:20 — 1 h 38 min of working time
Day by day — every step and who held it
11:45Your branch's mail
11:45Challan madeat once
11:46Papers read+1 min · the NOI team
11:46Property readat once
11:46Papers readat once
11:46Fee quoted+1 min · the NOI team
17:20Papers from your branch+5 h 34 min · the branch
17:20Papers read+1 min · the NOI team
Case facts
Bank
HINDUJA_HFL
Loan amount
₹15,30,000
Loan account no.
MH/KLP/KLPR/A000003877
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

⚠ 2 differences 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

NOTEThe name of person 1
The PAN cardHARPAN SHOUKAT KUDACHE
The sanction letter DIFFERSMR. HARPAN SHOUKAT KUDACHE
What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.
NOTEThe name of person 2
The PAN cardMUNIRA HARFAN KUDACHE
The sanction letter DIFFERSMRS. MUNIRA HARFAN KUDACHE
What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.
Compared: the sanction letter, the legal report (TSR); and EzDocs (reading the whole file). Nothing here is typed or changed by itself.

Where this case stands — the whole trailEzDocs has not read this trail yet — the regular check reads every case whose mails grew, a few at a time

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 checked every box against the document’s own words 1h ago — all agree.

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)
AttemptGRNTokenStatusSubmitted
#1 principal MH012160861202627E— 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

the address goes back to unverified — no challan is made until it is checked again
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.

No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →

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
PB paresh.balaso@hindujahousingfinance.com hindujahousingfinance.com
16 Oct, 11:45 · 7h ago
THE FIRST MAIL — how this case began
PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE LAN NO MH/KLP/KLPR/A000003877
Dear Team,

Kindly PROCESS CHALLAN AND NOI In the case

MR.HARPAN KUDACHEhaving
LAN: LAN NO MH/KLP/KLPR/A000003877

Attachment necessary documents to process.

(SR OFFICEKARVIR)

With

Best Regards, Paresh Pise Cluster Branch manager Hinduja Housing Finance Limited, 3rd Floor,PKP Ampire, E Ward Shahupuri 5th Lane Kolhapur Pin Code -416001 Dail - 9028485000 Disclaimer: The contents of this e-mail are privileged and confidential material of Hinduja Housing Finance Ltd. The information is solely intended for the designated recipient and purpose only and may contain privileged, proprietary, confidential or otherwise private information. If you have received it in error, please notify the sender immediately and delete the message. This e-mail message including attachment(s), if any, is believed to be free of any virus and Hinduja Housing Finance Ltd is not responsible
🤖 read: asks for the challan; documents attached — “Kindly PROCESS CHALLAN AND NOI In the case”
2 more mails in between — open
OL The NOI teamTYPED IN GMAIL
16 Oct, 12:14 · 6h ago

Team,

PFA challan for your reference..

earlier mails quoted below
On Fri, 16 Oct 2026 at 11:45, PARESH BALASO PISE46312 paresh.balaso < paresh.balaso@hindujahousingfinance.com > wrote: Dear Team, Kindly PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE having LAN : LAN NO MH/KLP/KLPR/A000003877 Attachment necessary documents to process. (SR OFFICEKARVIR) With Best Regards, Paresh Pise Cluster Branch manager Hinduja Housing Finance Limited, 3rd Floor,PKP Ampire, E Ward Shahupuri 5th Lane Kolhapur Pin Code -416001 Dail - 9028485000 Disclaimer : The contents of this e-mail are privileged and confidential material of Hinduja Housing Finance Ltd. The information is solely intended for the designated recipient and purpose only and may contain privileged, proprietary, confidential or otherwise private information. If you have received it in error, please notify the sender immediately and delete the message. This e-mail message including attachment(s), if any, is believed to be free of any virus and Hinduja Housing Finance Ltd is not responsible for any loss or damage arising in any way from its use. -- Regards Shweta Sharma NOI COORDINATOR EZDOCS 7715973535
🤖 read: challan shared ✓ — “PFA challan for your reference..”
OL The NOI teamTYPED IN GMAIL
16 Oct, 12:15 · 6h ago
Dear Team,

Pls share index 2 copy and colour live selfie photo of applicants

earlier mails quoted below
On Fri, 16 Oct 2026 at 12:14, HHF NOI FILING < hhfnoifiling@gmail.com > wrote: Team, PFA challan for your reference.. On Fri, 16 Oct 2026 at 11:45, PARESH BALASO PISE46312 paresh.balaso < paresh.balaso@hindujahousingfinance.com > wrote: Dear Team, Kindly PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE having LAN : LAN NO MH/KLP/KLPR/A000003877 Attachment necessary documents to process. (SR OFFICEKARVIR) With Best Regards, Paresh Pise Cluster Branch manager Hinduja Housing Finance Limited, 3rd Floor,PKP Ampire, E Ward Shahupuri 5th Lane Kolhapur Pin Code -416001 Dail - 9028485000 Disclaimer : The contents of this e-mail are privileged and confidential material of Hinduja Housing Finance Ltd. The information is solely intended for the designated recipient and purpose only and may contain privileged, proprietary, confidential or otherwise private information. If you have received it in error, please notify the sender immediately and delete the message. This e-mail message including attachment(s), if any, is believed to be free of any virus and Hinduja Housing Finance Ltd is not responsible for any loss or damage arising in any way from its use. -- Regards Shweta Sharma NOI COORDINATOR EZDOCS 7715973535 -- Regards Shweta Sharma NOI COORDINATOR EZDOCS 7715973535
🤖 read: asks the branch for documents — “Pls share index 2 copy and colour live selfie photo of applicants”
OL The NOI teamTYPED IN GMAIL
16 Oct, 12:16 · 6h ago
Dear Team,

Pls share index 2 copy and colour live selfie photo of applicants MUNIRA HARFAN KUDACHE for noi filing..

earlier mails quoted below
On Fri, 16 Oct 2026 at 12:14, HHF NOI FILING < hhfnoifiling@gmail.com > wrote: Team, PFA challan for your reference.. On Fri, 16 Oct 2026 at 11:45, PARESH BALASO PISE46312 paresh.balaso < paresh.balaso@hindujahousingfinance.com > wrote: Dear Team, Kindly PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE having LAN : LAN NO MH/KLP/KLPR/A000003877 Attachment necessary documents to process. (SR OFFICEKARVIR) With Best Regards, Paresh Pise Cluster Branch manager Hinduja Housing Finance Limited, 3rd Floor,PKP Ampire, E Ward Shahupuri 5th Lane Kolhapur Pin Code -416001 Dail - 9028485000 Disclaimer : The contents of this e-mail are privileged and confidential material of Hinduja Housing Finance Ltd. The information is solely intended for the designated recipient and purpose only and may contain privileged, proprietary, confidential or otherwise private information. If you have received it in error, please notify the sender immediately and delete the message. This e-mail message including attachment(s), if any, is believed to be free of any virus and Hinduja Housing Finance Ltd is not responsible for any loss or damage arising in any way from its use. -- Regards Shweta Sharma NOI COORDINATOR EZDOCS 7715973535 -- Regards Shweta Sharma NOI COORDINATOR EZDOCS 7715973535
🤖 read: asks the branch for documents — “Pls share index 2 copy and colour live selfie photo of applicants MUNIRA HARFAN KUDACHE for noi filing..”
PB paresh.balaso@hindujahousingfinance.com hindujahousingfinance.com
16 Oct, 17:20 · 1h ago

With Best Regards,

Paresh Pise

Cluster Branch manager

Hinduja Housing FinanceLimited,

3rd Floor,PKP Ampire, E Ward Shahupuri 5th Lane Kolhapur Pin Code -416001

Dail9028485000

From: HHF NOI FILING <hhfnoifiling@gmail.com>

To: "PARESH BALASO PISE46312 paresh.balaso"<paresh.balaso@hindujahousingfinance.com>

Cc: "PRATIK PRASHANT PANGAL136291 PRASHANT PANGAL136291"<pratikprashant.pangal@hindujahousingfinance.com>

Date: Fri, 16 Oct 2026 12:16:26 +0530

Subject: Re: PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE LAN NO MH/KLP/KLPR/A000003877

Dear Team,

Pls share index 2 copy and colour live selfie photo of applicants MUNIRA HARFAN KUDACHE for noi filing..

earlier mails quoted below
On Fri, 16 Oct 2026 at 12:14, HHF NOI FILING < hhfnoifiling@gmail.com > wrote: Team, PFA challan for your reference.. On Fri, 16 Oct 2026 at 11:45, PARESH BALASO PISE46312 paresh.balaso < paresh.balaso@hindujahousingfinance.com > wrote: Dear Team, Kindly PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE having LAN : LAN NO MH/KLP/KLPR/A000003877 Attachment necessary documents to process. (SR OFFICEKARVIR)
🤖 read: asks for the challan, the token / NOI confirmation, the e-filing copy, the Index II, a status, the fee / a quote, a payment receipt, a correction; documents attached

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.

DocumentFile — click to openStatusWhen
PAN card DOC_290826194914_HARPANPAN.jpg
filed 7h ago
PAN card DOC_290826181851_MUNIRAPAN (1).jpg
filed 7h ago
Selfie / photo POD_260826174638_HARPAN.jpg
filed 7h ago
Payment screenshot WhatsApp Image 2026-10-16 at 11.30.34 AM.jpeg
filed 7h ago
Sanction letter+ Bank's calculation sheet inside SANCTION_202033MHKLPKLPRA00000387730082026152218Sanction (3).PDF
filed 7h ago
A mail's picture (a signature logo, a banner) — not a paper 1763020022890020_280634855.png
filed 7h ago
A mail's picture (a signature logo, a banner) — not a paper 1763020022893021_280634855.png
filed 7h ago
Aadhaar card IYD_290826174842_MUNIRAADHAR (1).jpg
filed 7h ago
Aadhaar card+ Other inside ASD_290826171912_HARPANADHAR.jpg
filed 7h ago
LSR (search report) _156239290826183925_DigitallySignedMrHarpanShoukatKudacheFlatLSR.pdf
filed 7h ago
Paid challan (GRAS) HARPAN SHOUKAT KUDACHE EchallanMH012160861202627E.pdf
filed 6h ago
Selfie / photo MUNIRAPHOTOP.jpg
filed 1h ago
Index IIthe branch sent this — an input INDEX2.pdf
filed 1h 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
₹14,180.58
Where it stands
waiting for the credit
Screenshot claims
₹14,160 628908939453
Screenshot ₹14,160 — ₹21 under our ask, not below the real calculation ₹14,140. Counts as full. Nothing to ask.
Screenshot ₹14,160 — verified by itself the moment the bank credit is heard.
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.
Paid by UPI to ....535m@pnb at 2026-10-16 — the PNB SMS verifies it within minutes.
Paid at
—
Verified on
not yet

Fee working (ours)

Stamp dutyFiling feeDHCOur service feeTotal
₹4,600₹7,660₹320 ₹1,600₹14,180

Property (must be perfect)

41 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, E-mail (person 1), Floor (person 1), E-mail (person 2), Floor (person 2)
12 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Property type (Open / Building / Open + Building), Building (person 1), Floor (person 1), Road (person 1) …
✓ EzDocs checked every box against the document’s own words 1h ago — all agree.
CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (INDEX2.pdf) 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)
⚠ not in the document
Flat / shop no
✓ in the document
Floor
⚠ not in the document
Village / City
⚠ not in the document
Number type (GAT / SURVEY / CTS / PLOT)
empty
Number
empty
PIN
⚠ not in the document
Area (sq.mt, carpet)
✓ 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.
1) इतर वर्णन: ((C.T.S. Number : 749;)) - स्थानिक स्वराज्य संस्थाः कोल्हापूर म.न.पा. 2) इतर वर्णनः, इतर माहितीः शहर कोल्हापूर महानगरपालिका हद्दीतील ए वॉर्ड, शिवाजी पेठ, टिंबर मार्केट कमानीजवळील सि.स.नं. 748/749 या मिळकतीमध्ये बांधणेत आलेल्या शिवस्वरूप हेरिटेज या इमारतीमधील पहिल्या(अप्पर)मजल्यावरील निवासी वापराचा फ्लॅट नं. 10 याचे क्षेत्र 45.55 चौ.मी. बिल्टअप अशी मिळकत. ((C.T.S. Number: 748;)) - स्थानिक स्वराज्य संस्थाः कोल्हापूर म.न.पा.
saving a change clears verification until someone verifies again
hold on after pressing — the page comes back with the result written at the top of this section (verified boxes never change)

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

the sanction letter BASE — the challan follows this
SANCTION_202033MHKLPKLPRA00000387730082026152218Sanction (3)
as printed
NO :FLAT NO 10 1ST FLOOR, A WARD SHIVSWARUP HERITAGE, STREET NAME:PANYACHA KHAJINA,FLOORNO:1 NA,NEAR TIMBER MARKET KAMAN,SHIVAJI PETH,KARVIR,MAHARASHTRA,416012
PIN
416012
the legal report (TSR)
_156239290826183925_DigitallySignedMrHarpanShoukatKudacheFla
as printed
ALL THAT PIECE AND PARCEL OF THE PROPERTY BEARING RESIDENCIAL FLAT/ FAMILY UNIT NO. 10, ON THE FIRST FLOOR IT AN AREA ADMEASURING: 45.55 SQ. MTRS. (BUILT-UP AREA) IN THE SCHEME KNOWN AS “SHIVSWARUP HERITAGE APARTMENT” CONSTRUCTED ON PROPERTY, BEARING CTS. NO. 748, ITS AN AREA ADMEASURING 255.00 SQ. MTR (ITS OLD CTS NO. 748 AND 749 ITS AN AREA ADMEASURING 272.50 SQ. MTR.) ‘A’ WARD, TIMBER MARKET, SHIVAJI PETH, KOLHAPUR, TAL. KARVEER, DIST. KOLHAPUR.
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO 10 1ST FLOOR A WARD SHIVSWARUP HERITAGE PANYACHA KHAJINA 1 NA NEAR TIMBER MARKET KAMAN
Locality/Road
SHIVAJI PETH KARVIR MAHARASHTRA
Area/City
KOLHAPUR
check or correct a box, the papers beside it →
the legal report (TSR) also prints: 00, 255, 272, 45, 50, 55, 748, 749, AN, FAMILY, FLAT/, IT, ITS, KARVEER, KOLHAPUR, RESIDENCIAL, SCHEME
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

RoleNamePANAadhaar
co_mortgagorMUNIRA HARFAN KUDACHEICAPK9600J…1160
mortgagorHARPAN SHOUKAT KUDACHEHBZPK5993K…6940

All mail records (for Abhijit — safe to ignore)
TemplateToWhen
documents acknowledgedparesh.balaso@hindujahousingfinance.com 7h ago
What EzDocs read from each document — check anything marked in red
Selfie / photo POD_260826174638_HARPAN.jpg needs your check
kind
live_selfie
legible
True
confidence
0.9
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'quality_issue': None}
PAN card DOC_290826194914_HARPANPAN.jpg needs your check
dob
1975-06-07
pan
HBZPK5993K
name
HARPAN SHOUKAT KUDACHE
legible
True
father name
SHOUKAT AAMIR KUDACHE
raw reading (for Abhijit)
{'dob': '1975-06-07', 'pan': 'HBZPK5993K', 'name': 'HARPAN SHOUKAT KUDACHE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'SHOUKAT AAMIR KUDACHE', 'aadhaar_last4': None, 'quality_issue': None}
Sanction letter SANCTION_202033MHKLPKLPRA00000387730082026152218Sanction (3).PDF needs your check
lan
MH/KLP/KLPR/A000003877
legible
True
purpose
Purchase Existing
borrowers
{'name': 'MR. HARPAN SHOUKAT KUDACHE', 'role': 'applicant', 'label': 'Name of the Applicant'}, {'name': 'MRS. MUNIRA HARFAN KUDACHE', 'role': 'co_applicant', 'label': 'Name of the Co-Applicant (s)'}
loan type
Housing / Purchase Existing
confidence
1.0
print rule
how: read by a rule from the paper's own print; no reader asked; bank: HINDUJA_HFL; form: Hinduja Housing offer cum sanction letter; checks: ['the page foot names the same borrower', 'the sanctioned amount is printed as
rate words
HHF-PLR ( HHF - PLR ) 13.3%; ROI in % p.a. 12.50% Per Annum
loan amount
1530000.0
final amount
1530000.0
interest rate
12.5
sanction date
29 Aug 2026
reference rate
13.3
applicant names
MR. HARPAN SHOUKAT KUDACHE, MRS. MUNIRA HARFAN KUDACHE
insurance lines
Health Insurance Premium 22950, Life Insurance Premium 38250, Property Insurance Premium 30600
printed altered
False
balance transfer
False
property address
pin: 416012; state: MAHARASHTRA; Address: NO :Flat No 10 1st floor, A ward Shivswarup Heritage, Street Name:Panyacha Khajina,FloorNo:1 NA,Near Timber market Kaman,Shivaji Peth,Karvir,Maharashtra,416012
final amount label
Sanctioned Amount
security address verbatim
NO :Flat No 10 1st floor, A ward Shivswarup Heritage, Street Name:Panyacha Khajina,FloorNo:1 NA,Near Timber market Kaman,Shivaji Peth,Karvir,Maharashtra,416012
applicant address verbatim
1168 4 PLOT NO 2 B , 0 , PHULEWADI KARVIR KOLHAPUR KOLHAPUR , , Rural , kolhapur , Maharashtra , India - 416010
raw reading (for Abhijit)
{'lan': 'MH/KLP/KLPR/A000003877', 'legible': True, 'purpose': 'Purchase Existing', 'borrowers': [{'name': 'MR. HARPAN SHOUKAT KUDACHE', 'role': 'applicant', 'label': 'Name of the Applicant'}, {'name': 'MRS. MUNIRA HARFAN KUDACHE', 'role': 'co_applicant', 'label': 'Name of the Co-Applicant (s)'}], 'loan_type': 'Housing / Purchase Existing', 'confidence': 1.0, 'print_rule': {'how': "read by a rule from the paper's own print; no reader asked", 'bank': 'HINDUJA_HFL', 'form': 'Hinduja Housing offer cum sanction letter', 'checks': ['the page foot names the same borrower', 'the sanctioned amount is printed as a figure (1530000)'], 'case_bank': 'HINDUJA_HFL'}, 'rate_words': 'HHF-PLR ( HHF - PLR ) 13.3%; ROI in % p.a. 12.50% Per Annum', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1530000.0, 'rate_spread': None, 'final_amount': 1530000.0, 'interest_rate': 12.5, 'quality_issue': None, 'sanction_date': '29 Aug 2026', 'letter_version': None, 'reference_rate': 13.3, 'applicant_email': None, 'applicant_names': ['MR. HARPAN SHOUKAT KUDACHE', 'MRS. MUNIRA HARFAN KUDACHE'], 'insurance_lines': ['Health Insurance Premium 22950', 'Life Insurance Premium 38250', 'Property Insurance Premium 30600'], 'printed_altered': False, 'applicant_mobile': None, 'balance_transfer': False, 'property_address': {'pin': '416012', 'state': 'MAHARASHTRA', 'full_address': 'NO :Flat No 10 1st floor , A ward Shivswarup Heritage , Street Name:Panyacha Khajina ,FloorNo:1 NA,Near Timber market Kaman,Shivaji Peth,Karvir,Maharashtra,416012'}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Amount', 'includes_insurance': None, 'total_with_insurance': None, 'security_address_verbatim': 'NO :Flat No 10 1st floor , A ward Shivswarup Heritage , Street Name:Panyacha Khajina ,FloorNo:1 NA,Near Timber market Kaman,Shivaji Peth,Karvir,Maharashtra,416012', 'applicant_address_verbatim': '1168 4 PLOT NO 2 B , 0 , PHULEWADI KARVIR KOLHAPUR KOLHAPUR , , Rural , kolhapur , Maharashtra , India - 416010'}
Payment screenshot WhatsApp Image 2026-10-16 at 11.30.34 AM.jpeg needs your check
utr
628908939453
date
2026-10-16
time
11:29
amount
14160
method
UPI
payee upi
....535m@pnb
payer upi
....htra@okaxis
payee name
EZDOCS
payer name
VASTU PROPERTY CONSULTANCY (ICICI Bank)
debit notification text
Payment of ’14,160 completed
raw reading (for Abhijit)
{'utr': '628908939453', 'date': '2026-10-16', 'time': '11:29', 'amount': 14160, 'method': 'UPI', 'payee_upi': '....535m@pnb', 'payer_upi': '....htra@okaxis', 'payee_name': 'EZDOCS', 'payer_name': 'VASTU PROPERTY CONSULTANCY (ICICI Bank)', 'debit_notification_text': 'Payment of ’14,160 completed'}
PAN card DOC_290826181851_MUNIRAPAN (1).jpg needs your check
dob
1982-11-23
pan
ICAPK9600J
name
MUNIRA HARFAN KUDACHE
legible
True
father name
ALI DAUD GADKARI
raw reading (for Abhijit)
{'dob': '1982-11-23', 'pan': 'ICAPK9600J', 'name': 'MUNIRA HARFAN KUDACHE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'ALI DAUD GADKARI', 'aadhaar_last4': None, 'quality_issue': None}
Aadhaar card IYD_290826174842_MUNIRAADHAR (1).jpg needs your check
dob
1982-11-23
name
Munira Harfan Kudache
address
pin: 416003; area: E WORD, KADAMWADI; flat: GHAR NO,9; state: Maharashtra; district: Kolhapur; Village: Kolhapur
legible
True
aadhaar last4
1160
raw reading (for Abhijit)
{'dob': '1982-11-23', 'pan': None, 'name': 'Munira Harfan Kudache', 'mobile': None, 'address': {'pin': '416003', 'area': 'E WORD, KADAMWADI', 'flat': 'GHAR NO,9', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Kolhapur', 'post_office': None, 'village_city': 'Kolhapur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '1160', 'quality_issue': None}
Aadhaar card ASD_290826171912_HARPANADHAR.jpg needs your check
dob
1975-06-07
name
Harpan Shoukat Kudache
address
pin: 416003; area: 796 e ward, mahalaxmi nagar, kadamwadi; state: Maharashtra; district: Kolhapur; Village: Kolhapur
legible
True
aadhaar last4
6940
raw reading (for Abhijit)
{'dob': '1975-06-07', 'pan': None, 'name': 'Harpan Shoukat Kudache', 'mobile': None, 'address': {'pin': '416003', 'area': '796 e ward, mahalaxmi nagar, kadamwadi', 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Kolhapur', 'post_office': None, 'village_city': 'Kolhapur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '6940', 'quality_issue': None}
LSR (search report) _156239290826183925_DigitallySignedMrHarpanShoukatKudacheFlatLSR.pdf needs your check
found
True
found in
PART–I DESCRIPTION AND SCHEDULE OF THE CONCERNED PROPERTY:
area sq m
45.55
paper for
loan_ref: MH/KLP/KLPR/A000003877; report_id: AUG-26/19; customer_name: Mr. Harpan Shoukat Kudache
confidence
0.95
reading486
property
property address
state: Maharashtra; taluka: Karveer; Flat no: Flat No. 10; district: Kolhapur; Floor: First Floor; landmark: Timber Market, Shivaji Peth; Address: Residencial Flat/ Family Unit No. 10, First Floor, Shivswarup Her
security address verbatim
All that piece and parcel of the property bearing Residencial Flat/ Family Unit No. 10, on the First Floor it an area admeasuring: 45.55 Sq. mtrs. (Built-up Area) in the Scheme known as “Shivswarup Heritage Apartment” co
raw reading (for Abhijit)
{'found': True, 'found_in': 'PART–I DESCRIPTION AND SCHEDULE OF THE CONCERNED PROPERTY:', 'area_sq_m': 45.55, 'paper_for': {'loan_ref': 'MH/KLP/KLPR/A000003877', 'report_id': 'AUG-26/19', 'customer_name': 'Mr. Harpan Shoukat Kudache'}, 'pin_other': None, 'confidence': 0.95, '_reading486': 'property', 'address_lines': None, 'property_address': {'pin': None, 'road': None, 'state': 'Maharashtra', 'taluka': 'Karveer', 'flat_no': 'Flat No. 10', 'district': 'Kolhapur', 'floor_no': 'First Floor', 'landmark': 'Timber Market, Shivaji Peth', 'full_address': "Residencial Flat/ Family Unit No. 10, First Floor, Shivswarup Heritage Apartment, CTS. No. 748, 'A' Ward, Timber Market, Shivaji Peth, Kolhapur, Tal. Karveer, Dist. Kolhapur", 'village_city': 'Kolhapur', 'building_name': 'Shivswarup Heritage Apartment', 'survey_or_cts_no': 'CTS No. 748'}, 'security_address_verbatim': 'All that piece and parcel of the property bearing Residencial Flat/ Family Unit No. 10, on the First Floor it an area admeasuring: 45.55 Sq. mtrs. (Built-up Area) in the Scheme known as “Shivswarup Heritage Apartment” constructed on property, bearing CTS. No. 748, its an area admeasuring 255.00 Sq. Mtr (Its Old CTS No. 748 And 749 its an area admeasuring 272.50 Sq. Mtr.) ‘A’ Ward, Timber Market, Shivaji Peth, Kolhapur, Tal. Karveer, Dist. Kolhapur.'}
Payment screenshot WhatsApp Image 2026-10-16 at 11.30.34 AM.jpeg needs your check
payments inside
kind: payment_screenshot; payments: [{'utr': '628908939453', 'date': '2026-10-16', 'page': 1, 'time': '11:29', 'payee': 'EZDOCS', 'amount': 14160.0, 'direction': 'credit', 'narration': 'mortgage', 'proof_kind': 'success_
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': '628908939453', 'date': '2026-10-16', 'page': 1, 'time': '11:29', 'payee': 'EZDOCS', 'amount': 14160.0, 'direction': 'credit', 'narration': 'mortgage', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': None, 'account_holder': 'VASTU PROPERTY CONSULTANCY (ICICI Bank)'}}
Paid challan (GRAS) HARPAN SHOUKAT KUDACHE EchallanMH012160861202627E.pdf needs your check
grn
MH012160861202627E
pin
416012
total
12260.0
article
6(1)
defaced
False
bank cin
03006172026101600511
district
KOLHAPUR
area city
KOLHAPUR
payer pan
HBZXXXXXXK
flat block
FLAT NO 10 1ST FLOOR SHIVSWARUP HERITAGE APARTMENT CTS NO 748
payer name
HARPAN SHOUKAT KUDACHE
sro office
KRV2_KARVEER NO 2 JT SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
remarks raw
PAN2=AADCH6010R~SecondPartyName=HINDUJA HOUSING FINANCE LTD~CA=1530000
scheme rows
{'amount': 4600.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7660.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX8374
payment date
16/10/2026
road locality
PANYACHA KHAJINA A WARD NEAR TIMBER MARKET KAMAN SHIVAJI PETH KARVEER KOLHAPUR MAHARASHTRA
second party pan
AADCH6010R
second party name
HINDUJA HOUSING FINANCE LTD
consideration amount
1530000
raw reading (for Abhijit)
{'grn': 'MH012160861202627E', 'pin': '416012', 'total': 12260.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101600511', 'district': 'KOLHAPUR', 'area_city': 'KOLHAPUR', 'payer_pan': 'HBZXXXXXXK', 'flat_block': 'FLAT NO 10 1ST FLOOR SHIVSWARUP HERITAGE APARTMENT CTS NO 748', 'payer_name': 'HARPAN SHOUKAT KUDACHE', 'sro_office': 'KRV2_KARVEER NO 2 JT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AADCH6010R~SecondPartyName=HINDUJA HOUSING FINANCE LTD~CA=1530000', 'scheme_rows': [{'amount': 4600.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7660.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX8374', 'payment_date': '16/10/2026', 'road_locality': 'PANYACHA KHAJINA A WARD NEAR TIMBER MARKET KAMAN SHIVAJI PETH KARVEER KOLHAPUR MAHARASHTRA', 'second_party_pan': 'AADCH6010R', 'second_party_name': 'HINDUJA HOUSING FINANCE LTD', 'consideration_amount': '1530000'}
Selfie / photo MUNIRAPHOTOP.jpg needs your check
kind
live_selfie
legible
True
confidence
0.9
face visible
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}
Technical record (for Abhijit — safe to ignore)
57m agoEzDocstitle_doc_on_case_filing_open{'was': 'BANK', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'INDEX2.pdf', 'kind': 'index2'}
1h agoEzDocsdocument_read_again{'why': 'this file was stored but its reading never finished (EzDocs was busy, or it timed out) — read again by the ten-minute check, the same way it arrived', 'file': 'INDEX2.pdf', 'type': 'index2', 'doc_id': 'd2b5f1d4-8638-4b
1h agoEzDocsproperty_self_check{'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 19, 'trigger': 'after the Index II takeover'}
1h agoEzDocsproperty_from_index2{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'INDEX2.pdf', 'changed': {'taluka': {'was': 'Karvir', 'index2': 'Karveer'},
1h agoEzDocsindex2_people_checked{'doc_id': 'd2b5f1d4-8638-4b0e-ab86-347783e8e5d4', 'differs': 1, 'matched': [{'score': 0.98, 'person': 'HARPAN SHOUKAT KUDACHE', 'pan_agrees': False}], 'not_on_case': 0}
1h agoEzDocsindex2_pan_differs{'why': "the Index II's purchaser row prints a different PAN from the card on the case — either the KYC is someone else's or the registrar typed it wrong; a person decides", 'doc_id': 'd2b5f1d4-8638-4b0e-ab86-347783e8e5d
1h agoEzDocsfile_note490{'v': '1', 'at': '2026-10-16T11:51:39', 'why': 'mail', 'open': 8, 'mails': [{'at': '2026-10-16 06:15', 'id': '1a1435a5c3060b09', 'from': 'branch', 'gist': 'The branch is asking to process the challan and NOI and has atta
1h agoEzDocsmail_against_file490{'at': '2026-10-16T11:51:28', 'asks': ['status on the challan', 'status on the token', 'status on the efiling', 'status on the index2', 'status on the quote', 'status on the receipt'], 'gist': 'The branch sent the Index
1h agoEzDocsfile_note490{'v': '1', 'at': '2026-10-16T11:51:20', 'why': 'paper', 'open': 8, 'mails': [{'at': '2026-10-16 06:15', 'id': '1a1435a5c3060b09', 'from': 'branch', 'gist': 'The branch is asking to process the challan and NOI and has att
1h agoEzDocspaper_against_file490{'at': '2026-10-16T11:51:09', 'why': 'The new paper is an Index II, which is a standard document for this type of file.', 'file': 'INDEX2.pdf', 'kinds': ['index2', 'index2'], 'doc_id': 'd2b5f1d4-8638-4b0e-ab86-347783e8e5
1h agoEzDocsdocuments_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': 6, 'seconds': 10.4, 'workers': 5}
1h agoEzDocsselfie_accepted{'kind': 'live_selfie', 'doc_id': 'd4a8291c-683e-4d06-9052-431a02205de0', 'confidence': 0.9}
1h agoEzDocsdocument_received{'file': 'INDEX2.pdf', 'doc_type': 'index2', 'confidence': 1.0}
1h agoEzDocsdocument_received{'file': 'MUNIRAPHOTOP.jpg', 'doc_type': 'selfie', 'confidence': 1.0}
6h agoEzDocslesson456{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer', 'words': 'Payer: the PAN card prints both Harpan Kudache and HARPAN
6h agoEzDocslesson456{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '536508', 'lessons': [{'box': 'Mobile', 'words': 'Mobile: the team typed xxxxx
6h agoEzDocsfiling_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
6h agoEzDocschallan_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': 'HARPAN SHOUKAT KUDACHE EchallanMH012160861202627E.pdf', 'kind':
6h agoEzDocsdesk_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': 'HARPAN SHOUKAT KUDA
6h agoEzDocssro_office_learned{'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'KRV2_KARVEER NO 2 JT SUB REGISTRAR', 'district': 'KOLHAPUR'}
6h agoEzDocschallan_verified_against_case{'grn': 'MH012160861202627E', 'file': 'HARPAN SHOUKAT KUDACHE EchallanMH012160861202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
6h agoEzDocschallan_extracted{'grn': 'MH012160861202627E', 'file': 'HARPAN SHOUKAT KUDACHE EchallanMH012160861202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 12260.0}
6h agoEzDocsdraft_withdrawn{'why': "the team's own mail of 16 Oct, 12:14 shared the paid challan — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']}
6h agoDARBARcopilot_edit{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'HINDUJA_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'our
6h agocopilotcopilot_check_ok{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 16, 'differs': []}
6h agoEzDocsform_checked489{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03618'}
6h agocopilotcopilot_pick{'why': "The source text mentions 'Karvir' as the taluka, which is an older name for Kolhapur taluka. The options list 'KOLHAPUR' as a taluka. However, the source text also mentions 'Kolhapur' as the village/c", 'field':
6h agothe co-pilotreading_boxes_not_the_papers_words{'why': ': the reading decides — its boxes stand; the words the main paper does not print are said beside the box', 'file': 'SANCTION_202033MHKLPKLPRA00000387730082026152218Sanction (3)', 'paper': 'the sanction lette
6h agoEzDocschallan_boxes_by_rules{'fp': '5ff4d33519279d05', 'why': "'CTS NO' twice in box 1", 'anew': 'first'}
6h agoEzDocsreader_mail_addition{'fp': 'b6b97bbf2ca45b51', 'add': {}, 'why': "The mail does not add any property details not already present in the paper's address.", 'asked': True, 'quote': '', 'same_property': True}

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

Papers
All 9 in hand
Nothing more to ask the branch for
Money
₹14,160 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
Us
file on the IGR site
For you to check: The work is done — our fee of ₹14,180.58 is still not in our account. Chase the branch for it.
Today · 16 Oct35 things
The branch's title document is on the case — the filing is the NOI team's move
18:01
EzDocs took 45 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
17:30
Selfie checked — a live one
A real selfie — usable for the e-filing.
17:20
Received: Index II
INDEX2.pdf
17:20
Received: Selfie
MUNIRAPHOTOP.jpg
17:20
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
12:15
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
12:15
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
12:15
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
12:15
Challan re-read against the case — matches exactly
12:15
Received: Challan
HARPAN SHOUKAT KUDACHE EchallanMH012160861202627E.pdf
12:15
An old draft withdrew itself — its asks were already answered
12:15
DARBAR pressed Proceed on the challan — what was changed is kept
12:11
EzDocs read the whole file
11:47
Wrote the documents acknowledged mail — held, silent mode
Re: PROCESS CHALLAN AND NOI In the case MR.HARPAN KUDACHE LAN NO MH/KLP/KLPR/A000003877
11:46
No fee quote sent — the branch's own figures were right
11:46
The payment proof already on the case was applied
11:46
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
11:46
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
11:46
Received: LSR
_156239290826183925_DigitallySignedMrHarpanShoukatKudacheFlatLSR.pdf
11:46
Co-applicant added
11:46
Received: Aadhaar
ASD_290826171912_HARPANADHAR.jpg
11:46
Received: Aadhaar
IYD_290826174842_MUNIRAADHAR (1).jpg
11:46
Received: logo
1763020022893021_280634855.png
11:46
The loan amount was worked out from the papers
11:46
Received: logo
1763020022890020_280634855.png
11:46
Payment proof arrived before the case was quoted — held
11:46
Property address read from the sanction letter
11:46
Received: Sanction letter
SANCTION_202033MHKLPKLPRA00000387730082026152218Sanction (3).PDF
11:46
Selfie checked — a live one
A real selfie — usable for the e-filing.
11:46
Received: Payment screenshot
WhatsApp Image 2026-10-16 at 11.30.34 AM.jpeg
11:46
Received: Selfie
POD_260826174638_HARPAN.jpg
11:46
Received: PAN card
DOC_290826181851_MUNIRAPAN (1).jpg
11:46
Received: PAN card
DOC_290826194914_HARPANPAN.jpg
11:46
Case opened from the branch's mail
11:46
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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