⚠The PNB mailbox has used 225% of what Google lets it send in 24 hours (1,125 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
Cases / NOI-2026-00219
KSHITIJ MANOHAR KOHAD
LAN NHL/NAG/0726/5168993
Challan paid · our move
File on IGRAll documentsMails & papers 5Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
What the e-filing still needs3 still to come
6 of 9 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓Selfie / photoopen
✓Sanction letteropen
✓PAN cardopen
✓Sale deedopen
Applicant's Aadhaar Card — still needed
Applicant's PAN Card — still needed
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
All files (7)A label is wrong? Fix it under All documents.
For you to check
- The work is done — our fee of ₹29,430 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹29,430
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹29,400; we wait for the credit itself
Stamp duty 0.3%12,610
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for29,430
Screenshot ₹29,400 — ₹30 under our ask, not below the real calculation ₹29,400. 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 the time on the screenshot — EzDocs cannot hear this road. Please verify manually. Verify manually ↓
By law ₹29,420. We ask ₹29,430 (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.
The money may already be here — 1 credit(s) our bank showed us that no case has taken
Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 37 h 58 minour time · 3 Sep 17:28
Index II —not yet
the NOI team 46 d 16 hthe branch 52 mintotal 46 d 17 h so far
Now with the NOI team — e-filing on IGR
since 3 Sep 17:28 — 41 d 19 h of working time
Day by day — every step and who held it
29 Aug 19:29Your branch's mail
29 Aug 20:20Papers from your branch+52 min · the branch
29 Aug 21:48Papers read+1 h 28 min · the NOI team
29 Aug 21:49Property readat once
29 Aug 21:49Papers readat once
29 Aug 21:49Fee quotedat once
3 Sep 17:28Challan made+4 d 19 h · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹42,00,000
Loan account no.
NHL/NAG/0726/5168993
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
File the NOI on the IGR site
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.
Before opening the portal, EzDocs sees:
• Mortgagor pages: KSHITIJ MANOHAR KOHAD is on the sanction letter but the branch's mail names the owner as MANOHAR RAMVHANDRA KOHAD KSHITIJ MANOHAR KOHAD NAGSEN JAMBHULKAR SR TEAM LEADER — a borrower, not a mortgagor: no page
• 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
• no challan GRN on the case — upload the paid challan first (its GRN fills the payment page)
• no mobile on any party — the portal's OTP/SMS goes to this number
• 10 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: district, village, road, Number type, Number, Second number type
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.
Where this case stands — the whole trailread by EzDocs as one conversation
All required documents, including the sale deed and applicant selfies, have been provided by the branch, and the NOI team has acknowledged receipt of documents and payment, and has generated and shared the GRAS e-challan. The case is now awaiting the actual filing of the NOI on the IGR site and subsequent acknowledgement to the branch.
the history says the next move is with the NOI team — NOI filing
the branch last asked: Kindly acknowledgement for NOI
the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen
✓ loan papers sent — done, mail 4 (2026-08-29) “PFA, Colored Salfi Co Applicant Property Owner :-MANOHAR RAMVHANDRA KOHAD Applicant : KSHITIJ MANOHAR KOHAD”
✓ fee paid — the branch's words — done, mail 2 (2026-08-29) “We acknowledge the receipt of your mail documents and payment.”
✓ challan made — done, mail 3 (2026-08-29) “PFA CHALLAN FOR A REFERENCE”
✓ challan shared — done, mail 3 (2026-08-29) “PFA CHALLAN FOR A REFERENCE”
✓ Index II asked for — done, mail 2 (2026-08-29) “For NOI filing, we need a registered sale deed copy and a colour live selfie photo of the applicant”
✓ Index II / sale deed sent by the branch — done, mail 1 (2026-08-29) “Kindly Process NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD”
read over 5 mail(s), last mail 2026-08-30 · read 29d 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 (30d 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 |
|---|---|---|---|---|
| no filing yet |
Fix something every change is recorded with your name
Where did
you see the money? One tap is the same record, in your name:
Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.
Advanced — move the case by hand (ask Abhijit first)
Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.
The reply 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 thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.
📑 Open mails & papers — each mail beside its papers, ← → the next paper
NJ
nagsen.jambhulkar@phfl.com phfl.com
29 Aug, 19:29 · 46d ago THE APP JOINED HERE — earlier mails are on Gmail
29 Aug, 19:29 · 46d ago THE APP JOINED HERE — earlier mails are on Gmail
Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
📎 IMG-20260717-WA0004.jpg↗📎 IMG-20260829-WA0021.jpg↗📎 sanction letter.pdf↗📎 kyc.pdf↗📎 sale deed.pdf↗
Dear Team,
Kindly Process
NOI & Challan :- NHL/NAG/0726/5168993KSHITIJ MANOHAR KOHAD
Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9370638343
PHFL Home Loans and Services Limited
earlier mails quoted below
From: Manoj Surendra Kukde (manoj.kukde@phfl.com)
Date: 08/29/26 19:23
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Subject: Kindly initiate NOI In case of Kshitij kohad
🤖 read: asks for the challan, the token / NOI confirmation, the e-filing copy; documents attached — “Kindly Process NOI & Challan”
2 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
29 Aug, 19:38 · 46d ago
29 Aug, 19:38 · 46d ago
Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, we need a registered sale deed copy and a colour live selfie photo of the applicant
KSHITIJ MANOHAR KOHAD
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Sat, 29 Aug 2026 at 19:29, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Dear Team, Kindly Process NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD Thanks & Regards, Nagsen Jambhulkar Sr. Team Leader - Loans PNB Housing Finance Ltd., Direct: 0712-2533460,1,2 Mobile: 9370638343 PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: Manoj Surendra Kukde (manoj.kukde@phfl.com) Date: 08/29/26 19:23 To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com) Subject: Kindly initiate NOI In case of Kshitij kohad
🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
29 Aug, 20:00 · 46d ago
29 Aug, 20:00 · 46d ago
TEAMPFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Sat, 29 Aug 2026 at 19:38, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, we need a registered sale deed copy and a colour live selfie photo of the applicant
KSHITIJ MANOHAR KOHAD Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Sat, 29 Aug 2026 at 19:29, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Dear Team, Kindly Process NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD Thanks & Regards, Nagsen Jambhulkar Sr. Team Leader - Loans PNB Housing Finance Ltd., Direct: 0712-2533460,1,2 Mobile: 9370638343 PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: Manoj Surendra Kukde (manoj.kukde@phfl.com) Date: 08/29/26 19:23 To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com) Subject: Kindly initiate NOI In case of Kshitij kohad
TEAM
PFA CHALLAN FOR A REFERENCE
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Sat, 29 Aug 2026 at 19:38, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
Team,
We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For NOI filing, we need a registered
sale deed copy and a colour live selfie photo of the applicant KSHITIJ
MANOHAR KOHAD
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Sat, 29 Aug 2026 at 19:29, Nagsen Khemchand Jambhulkar <
nagsen.jambhulkar@phfl.com> wrote:
> Dear Team,
> Kindly Process
> NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
>
> Thanks & Regards,
> *Nagsen Jambhulkar*
>
> Sr. Team Leader - Loans
>
> PNB Housing Finance Ltd.,
>
> Direct: 0712-2533460,1,2
>
> Mobile: *9370638343*
>
> *PHFL Home Loans and Services Limited*
>
> *[image: cid:image002.jpg@01D4388E.04228670]*
>
> ----- Forwarded Message -----
> ------------------------------
> From: Manoj Surendra Kukde (manoj.kukde@phfl.com)
> Date: 08/29/26 19:23
> To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
> Subject: Kindly initiate NOI In case of Kshitij kohad
>
>
>
🤖 read: challan shared ✓ — “PFA CHALLAN FOR A REFERENCE”
NJ
nagsen.jambhulkar@phfl.com phfl.com
29 Aug, 20:20 · 46d ago
29 Aug, 20:20 · 46d ago
Re[2]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Dear Team,
PFA, Colored Salfi
Co Applicant Property Owner :-MANOHAR RAMVHANDRAKOHAD
Applicant : KSHITIJ MANOHAR KOHAD
Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9370638343
PHFL Home Loans and Services Limited
earlier mails quoted below
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 20:02
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Cc: Nagpur Branch (nagpur.branch@pnbhousing.com), Manoj Surendra Kukde (manoj.kukde@phfl.com)
Subject: Re: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Sat, 29 Aug 2026 at 19:38, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, we need a registered sale deed copy and a colour live selfie photo of the applicant KSHITIJ MANOHAR KOHAD
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 29 Aug 2026 at 19:29, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Dear Team,
Kindly Process
NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9370638343
PHFL Home Loans and Services Limited
From: Manoj Surendra Kukde (manoj.kukde@phfl.com)
Date: 08/29/26 19:23
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Subject: Kindly initiate NOI In case of Kshitij kohad
🤖 read: documents attached
NJ
nagsen.jambhulkar@phfl.com phfl.com
30 Aug, 15:34 · 45d ago
30 Aug, 15:34 · 45d ago
Re[3]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Dear Team,
Kindly acknowledgement for NOI, It's a LAP case.
Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9370638343
PHFL Home Loans and Services Limited
earlier mails quoted below
From: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Date: 08/29/26 20:19
To: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Cc: Nagpur Branch (nagpur.branch@pnbhousing.com), Manoj Surendra Kukde (manoj.kukde@phfl.com)
Subject: Re[2]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Dear Team,
PFA, Colored Salfi
Co Applicant Property Owner :-MANOHAR RAMVHANDRA KOHAD
Applicant : KSHITIJ MANOHAR KOHAD
Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9370638343
PHFL Home Loans and Services Limited
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/29/26 20:02
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Cc: Nagpur Branch (nagpur.branch@pnbhousing.com), Manoj Surendra Kukde (manoj.kukde@phfl.com)
Subject: Re: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Sat, 29 Aug 2026 at 19:38, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, we need a registered sale deed copy and a colour live selfie photo of the applicant KSHITIJ MANOHAR KOHAD
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 29 Aug 2026 at 19:29, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Dear Team,
Kindly Process
NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9370638343
PHFL Home Loans and Services Limited
From: Manoj Surendra Kukde (manoj.kukde@phfl.com)
Date: 08/29/26 19:23
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Subject: Kindly initiate NOI In case of Kshitij kohad
🤖 read: asks for the token / NOI confirmation; note: It's a LAP case. — “Kindly acknowledgement for NOI”
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 |
|---|---|---|---|
| Selfie / photo | IMG_20260829_200947.jpg | filed | 46d ago |
| Selfie / photo | IMG_20260829_200835.jpg | filed | 46d ago |
| Selfie / photo | IMG-20260717-WA0004.jpg | filed | 46d ago |
| Payment screenshot | IMG-20260829-WA0021.jpg | filed | 46d ago |
| Sanction letter | sanction letter.pdf | filed | 46d ago |
| PAN card+ Aadhaar card inside | kyc.pdf | filed | 46d ago |
| Sale deed | sale deed.pdf | filed | 46d 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
₹29,430
₹29,430
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
₹29,400 190308950171
₹29,400 190308950171
Screenshot ₹29,400 — ₹30 under our ask, not below the real calculation ₹29,400. 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 the time on the screenshot — EzDocs cannot hear this road. Please verify manually. Verify manually ↓
Paid at
—
—
Verified on
not yet
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹12,610 | ₹15,000 | ₹320 | ₹1,500 | ₹29,430 |
By law ₹29,420. We ask ₹29,430 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Property (must be perfect)
18 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Taluka, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Property type (Open / Building / Open + Building), Area …
19 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, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number type, Second number, Building (with wing) …
✗ EzDocs found boxes that do NOT agree with the document (30d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
sanction letter.pdf
as printed
HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, NAGPUR, ., MAHARASHTRA, INDIA, 440024
HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, NAGPUR, ., MAHARASHTRA, INDIA, 440024
PIN
440024
440024
THE CHALLAN, as it will be typed
Flat/Survey Number
HOUSE NO 2/37 RAGHUJI NAGAR GROUND FLOOR KH NO 5 6 7 9 15/1-2-3
HOUSE NO 2/37 RAGHUJI NAGAR GROUND FLOOR KH NO 5 6 7 9 15/1-2-3
Locality/Road
AT 731 T/S UNDER S I H S SCHEME AT RAJE RAGHUJINAGAR MOUZA SAKKARDARA NAGPUR MAHARASHTRA
AT 731 T/S UNDER S I H S SCHEME AT RAJE RAGHUJINAGAR MOUZA SAKKARDARA NAGPUR MAHARASHTRA
Area/City
NAGPUR
check or correct a box, the papers beside it →NAGPUR
Every paper prints the same words as the main paper.
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 |
|---|---|---|---|
| mortgagor | MANOHAR RAMCHANDRA KOHAD | ECCPK4358D | …3714 |
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 | nagsen.jambhulkar@phfl.com | 46d ago |
| fee quote | nagsen.jambhulkar@phfl.com | 46d ago |
| document chase | nagsen.jambhulkar@phfl.com | 45d ago |
| document chase | nagsen.jambhulkar@phfl.com | 43d ago |
What EzDocs read from each document — check anything marked in red
Payment screenshot IMG-20260829-WA0021.jpg needs your check
utr
190308950171
190308950171
amount
29400.0
29400.0
method
UPI
UPI
payee upi
9892834356-2@okbizaxis
9892834356-2@okbizaxis
payee name
THINKBIGZ INITIATIVE PVT LTD
THINKBIGZ INITIATIVE PVT LTD
payer name
KSHITIJ MANOHARRAO KOHAD
KSHITIJ MANOHARRAO KOHAD
raw reading (for Abhijit)
{'utr': '190308950171', 'date': None, 'amount': 29400.0, 'method': 'UPI', 'payee_upi': '9892834356-2@okbizaxis', 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': 'KSHITIJ MANOHARRAO KOHAD', 'debit_notification_text': None}Sanction letter sanction letter.pdf needs your check
lan
NHL/NAG/0726/5168993
NHL/NAG/0726/5168993
loan type
Non Housing Loan, Personal use
Non Housing Loan, Personal use
confidence
1.0
1.0
loan amount
4000000
4000000
interest rate
9.3
9.3
sanction date
28-Aug-2026
28-Aug-2026
letter version
5
5
applicant names
KSHITIJ MANOHAR KOHAD, MANOHAR RAMCHANDRA KOHAD
KSHITIJ MANOHAR KOHAD, MANOHAR RAMCHANDRA KOHAD
property address
pin: 440024; road: RAJE RAGHUJINAGAR; state: MAHARASHTRA; Flat no: 2/37; district: Nagpur; Floor: GROUND FLOOR; landmark: MOUZA SAKKARDARA; Address: HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO
pin: 440024; road: RAJE RAGHUJINAGAR; state: MAHARASHTRA; Flat no: 2/37; district: Nagpur; Floor: GROUND FLOOR; landmark: MOUZA SAKKARDARA; Address: HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO
insurance premium
200000
200000
includes insurance
True
True
total with insurance
4200000
4200000
applicant address from462
read again off the letter's pages (page 1, the 'Address' row)
read again off the letter's pages (page 1, the 'Address' row)
security address verbatim
HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, Nagpur, ., MAHARASHTRA, India, 440024
HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, Nagpur, ., MAHARASHTRA, India, 440024
applicant address verbatim
S/O MANOHAR RAMCHANDRA KOHAD, Q NO 2/37, NEAR KAMGAR KALYAN KENDRA, RAJE RAGHUJI NAGAR AYODHYA NAGAR NAGPUR,., Nagpur, MAHARASHTRA, 440024, India
S/O MANOHAR RAMCHANDRA KOHAD, Q NO 2/37, NEAR KAMGAR KALYAN KENDRA, RAJE RAGHUJI NAGAR AYODHYA NAGAR NAGPUR,., Nagpur, MAHARASHTRA, 440024, India
raw reading (for Abhijit)
{'lan': 'NHL/NAG/0726/5168993', 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1.0, 'loan_amount': 4000000, 'interest_rate': 9.3, 'sanction_date': '28-Aug-2026', 'letter_version': '5', 'applicant_names': ['KSHITIJ MANOHAR KOHAD', 'MANOHAR RAMCHANDRA KOHAD'], 'property_address': {'pin': '440024', 'road': 'RAJE RAGHUJINAGAR', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '2/37', 'district': 'Nagpur', 'floor_no': 'GROUND FLOOR', 'landmark': 'MOUZA SAKKARDARA', 'full_address': 'HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, Nagpur, ., MAHARASHTRA, India, 440024', 'village_city': 'Nagpur', 'building_name': 'S.I.H.S SCHEME', 'survey_or_cts_no': 'KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S'}, 'insurance_premium': 200000, 'includes_insurance': True, 'total_with_insurance': 4200000, 'applicant_address_from462': "read again off the letter's pages (page 1, the 'Address' row)", 'security_address_verbatim': 'HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, Nagpur, ., MAHARASHTRA, India, 440024', 'applicant_address_verbatim': 'S/O MANOHAR RAMCHANDRA KOHAD, Q NO 2/37, NEAR KAMGAR KALYAN KENDRA, RAJE RAGHUJI NAGAR AYODHYA NAGAR NAGPUR,., Nagpur, MAHARASHTRA, 440024, India'}PAN card kyc.pdf needs your check
dob
1947-07-01
1947-07-01
pan
ECCPK4358D
ECCPK4358D
name
MANOHAR RAMCHANDRA KOHAD
MANOHAR RAMCHANDRA KOHAD
aadhaar last4
3714
3714
raw reading (for Abhijit)
{'dob': '1947-07-01', 'pan': 'ECCPK4358D', 'name': 'MANOHAR RAMCHANDRA KOHAD', 'aadhaar_last4': '3714'}PAN card kyc.pdf needs your check
dob
1947-07-01
1947-07-01
pan
ECCPK4358D
ECCPK4358D
name
Manohar Ramchandra Kohad
Manohar Ramchandra Kohad
legible
True
True
aadhaar last4
3714
3714
raw reading (for Abhijit)
{'dob': '1947-07-01', 'pan': 'ECCPK4358D', 'name': 'Manohar Ramchandra Kohad', 'legible': True, 'aadhaar_last4': '3714', 'quality_issue': None}Payment screenshot IMG-20260829-WA0021.jpg needs your check
payments inside
bank: Bank of Baroda; kind: payment_screenshot; payments: [{'utr': '190308950171', 'date': '2026-08-29', 'page': 1, 'time': '19:03', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 29400.0, 'direction': 'debit', 'narr
bank: Bank of Baroda; kind: payment_screenshot; payments: [{'utr': '190308950171', 'date': '2026-08-29', 'page': 1, 'time': '19:03', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 29400.0, 'direction': 'debit', 'narr
raw reading (for Abhijit)
{'payments_inside': {'bank': 'Bank of Baroda', 'kind': 'payment_screenshot', 'payments': [{'utr': '190308950171', 'date': '2026-08-29', 'page': 1, 'time': '19:03', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 29400.0, 'direction': 'debit', 'narration': 'NO REMARK', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '6576', 'account_holder': 'KSHITIJ MANOHARRAO KOHAD'}}Technical record (for Abhijit — safe to ignore)
| 1d ago | EzDocs | reader_home_address | {'fp': '2f032d8c0ea7bec0', 'from': 'the sanction letter (sanction letter.pdf)', 'home': {'pin': '440024', 'area': 'RAJE RAGHUJI NAGAR AYODHYA NAGAR', 'flat': 'Q NO 2/37', 'state': 'MAHARASHTRA', 'building': 'KAMGAR KALYA |
| 15d ago | EzDocs | letter_home_read462 | {'fp': 'doc:2817a3bc-e290-4e86-a205-302a32875971', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'sanction letter.pdf', 'asked': True, 'found': True, ' |
| 19d ago | EzDocs | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 19d ago | EzDocs | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 19d ago | EzDocs | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 22d ago | EzDocs | hidden_payment_scan | {'file': 'IMG-20260829-WA0021.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': 'cc0f56c6-9913-425f-a135-cc0896103add', 'fetched': True} |
| 22d ago | EzDocs | payment_found_in_statement | {'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260829-WA0021 |
| 22d ago | EzDocs | claim_part_duplicate | {'utr': '190308950171', 'date': '2026-08-29', 'parts': 1, 'amount': 29400.0, 'claimed_total': 29400.0} |
| 29d ago | EzDocs | trail_read | {'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_ |
| 30d ago | EzDocs | kyc_address_missing | {'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': 'MANOHAR RAMCHANDRA KOHAD', 'party_id': 'c37fd43d-f64b-4 |
| 30d ago | EzDocs | title_doc_on_case_filing_open | {'was': 'BANK', 'why': "the regular check — the branch's title document is on the case — the filing is the NOI team's move", 'file': 'sale deed.pdf', 'kind': 'sale_deed'} |
| 30d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'box': 'Village', 'why': "The type |
| 41d ago | EzDocs | draft_withdrawn | {'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 3, 'first_lines': [None, None]} |
| 41d ago | EzDocs | stage_follows_desk_challan_mail | {'now': 'CHALLAN_PAID', 'why': 'we sent the challan on this thread and no branch mail came after it to trigger the usual re-read'} |
| 41d ago | EzDocs | challan_inferred_from_desk_mail | {'why': "we's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread; the stage follows we's deed"} |
| 41d ago | EzDocs | document_reread | {'now': ['aadhaar', 'pan'], 'was': ['pan'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'kyc.pdf', 'doc_id': '7dbc68fc-1dc8-4a82-b164-e33ccd83108a', 'found_new |
| 41d ago | EzDocs | pan_found_inside | {'doc': 'aadhaar', 'pan_masked': 'ECxxxxx8D'} |
| 43d ago | EzDocs | email_shadowed:doc_chase | {'to': 'nagsen.jambhulkar@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAG/0726/5168993), the following is pending from your end:\n\n 1. Applicant's Aadhaar Card — not received yet\n\ |
| 43d ago | EzDocs | base_adopted_from_sanction | {'now': 4200000.0, 'was': 4000000.0, 'why': 'the sanction letter on file states a total WITH insurance — that is the fee base; the figures re-work themselves'} |
| 45d ago | EzDocs | email_shadowed:doc_chase | {'to': 'nagsen.jambhulkar@phfl.com', 'subject': 'Re[3]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD', 'body_preview': "Dear Team,\n\nGreetings from ICICIHFCNOI NOI Desk.\n\nWith reference to t |
| 46d ago | EzDocs | email_shadowed:fee_quote | {'to': 'nagsen.jambhulkar@phfl.com', 'subject': 'Process for NOI & Challan :- NHL/NAG/0726/5168993\tKSHITIJ MANOHAR KOHAD', 'body_preview': 'Dear Team,\n\nFee computation for the captioned case (LAN: NHL/NAG/0726/5168993 |
| 46d ago | EzDocs | receivable_created | {'expected': 28800.0} |
| 46d ago | EzDocs | document_received | {'file': 'sale deed.pdf', 'doc_type': 'sale_deed', 'confidence': 0.9} |
| 46d ago | EzDocs | document_received | {'file': 'kyc.pdf', 'doc_type': 'pan', 'confidence': 0.99} |
| 46d ago | EzDocs | property_address_extracted | {'confidence': 1.0, 'Address': 'HOUSE NO 2/37, HOUSE NO 2/37, RAGHUJI NAGAR GROUND FLOOR, KH NO 5, 6, 7, 9, 15/1-2-3, AT 731 T/S UNDER S.I.H.S SCHEME AT RAJE RAGHUJINAGAR, MOUZA SAKKARDARA, Nagpur,., MAHARASHTRA, I |
| 46d ago | EzDocs | document_received | {'file': 'sanction letter.pdf', 'doc_type': 'sanction_letter', 'confidence': 0.9} |
| 46d ago | EzDocs | document_received | {'file': 'IMG-20260829-WA0021.jpg', 'doc_type': 'payment_screenshot', 'confidence': 1.0} |
| 46d ago | EzDocs | document_received | {'file': 'IMG-20260717-WA0004.jpg', 'doc_type': 'selfie', 'confidence': 0.98} |
| 46d ago | EzDocs | email_shadowed:doc_chase | {'to': 'nagsen.jambhulkar@phfl.com', 'subject': 'Re[2]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD', 'body_preview': "Dear Team,\n\nGreetings from ICICIHFCNOI NOI Desk.\n\nWith reference to t |
| 46d ago | EzDocs | document_received | {'file': 'IMG_20260829_200835.jpg', 'doc_type': 'selfie', 'confidence': 0.95} |
Case diary the case’s history — what happened, newest day first
Papers
2 still needed for the challan
Applicant's Aadhaar Card, Applicant's PAN Card
Money
₹29,400 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 ₹29,430 is still not in our account. Chase the branch for it.
26 Sep2 things
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
EzDocs took 2 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
23 Sep2 things — 2 steps
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
EzDocs took 2 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
15 Sep2 things — 2 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
14 Sep1 thing — 1 step
The branch's title document is on the case — the filing is the NOI team's move
3 Sep4 things — 4 steps
An old draft withdrew itself — its asks were already answered
Moved to 'challan paid' on the NOI team's own mail
The NOI team's own mail said the challan went — the case followed.
A file was read again from the start — everything inside it now counts
PAN found inside the KYC file — no need to ask for it
2 Sep1 thing — 1 letter written
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-00219 — pending documents
1 Sep1 thing — 1 money step
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.
30 Aug1 thing — 1 letter written
Wrote the document chase mail — held, silent mode
Re[3]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
29 Aug11 things — 7 documents received · 3 letters written · 1 step
Wrote the fee quote mail — held, silent mode
Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Received: Sale deed
sale deed.pdf
Received: PAN card
kyc.pdf
Property address read from the sanction letter
Received: Sanction letter
sanction letter.pdf
Received: Payment screenshot
IMG-20260829-WA0021.jpg
Received: Selfie
IMG-20260717-WA0004.jpg
Wrote the document chase mail — held, silent mode
Re[2]: Process for NOI & Challan :- NHL/NAG/0726/5168993 KSHITIJ MANOHAR KOHAD
Received: Selfie
IMG_20260829_200835.jpg
Received: Selfie
IMG_20260829_200947.jpg
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
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