Cases / NOI-2026-01147

VISHAL VILAS KADAM

LAN NHL/NAV/0726/182345 Index II shared · done All documents Mails & papers 12

Mail 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).

What the e-filing still needsall in

7 of 7 in hand.
the challan is done — these are for the IGR filing / KYC

✓Sanction letteropen

✓Index II — inside vishal kadam.pdfopen

✓Selfie / photo — inside vishal kadam.pdfopen

✓Aadhaar card — inside vishal kadam.pdfopen

✓PAN card — inside vishal kadam.pdfopen

✓Payment screenshot — shows ₹20,105; money not verified yet — inside vishal kadam.pdfopen

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

All files (1)A label is wrong? Fix it under All documents.

For you to check

The work is done — our fee of ₹20,140 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹20,140

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

₹0 received — the branch’s receipt claims ₹20,105; we wait for the credit itself

Stamp duty 0.3%6,870

Registration fee 0.5%11,450

Government handling320

Our service fee1,500

Total we ask for20,140

Screenshot ₹20,105 — ₹35 under our ask, not below the real calculation ₹20,104. Counts as full. Nothing to ask.
Screenshot ₹20,105 — 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.

This money went to our account on the Samsung (ThinkBigz). That ear is working (last reached us 15 Oct 16:27 — 1 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹20,124. We ask ₹20,140 (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 108 h 44 minour time · 3 Sep 16:39

Index II 201 h 34 minour time · 15 Sep 04:08

the NOI team 24 d 10 htotal 24 d 10 h

Complete.

Day by day — every step and who held it

21 Aug 17:55Your branch's mail

3 Sep 13:32Papers read+12 d 19 h · the NOI team

3 Sep 13:32Property readat once

3 Sep 13:32Fee quotedat once

3 Sep 16:39Challan made+3 h 07 min · the NOI team

15 Sep 04:08Index II sent+11 d 11 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹22,88,000

Loan account no.

NHL/NAV/0726/182345

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

Nothing — this case is done

Index II shared with the branch and the case is closed.

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

The NOI filing process is complete, with all required documents submitted and processed. The government's Index II of the NOI has been shared, indicating the case is closed.

the history says the next move is with no one — the case is finished — case closed

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 1 (2026-08-21) “please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345”

✓ fee paid — the branch's words — done, mail 1 (2026-08-21) “please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345”

✓ challan made — done, mail 3 (2026-08-21) “PFA challan for your reference..”

✓ challan shared — done, mail 10 (2026-09-03) “Re attached the challan for the same..”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-08-21) “please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345”

✓ filed on the IGR site — done, mail 11 (2026-09-03) “PFA: Downloaded e-filing for your reference..”

✓ e-filing copy shared — done, mail 11 (2026-09-03) “PFA: Downloaded e-filing for your reference..”

✓ NOI Index II shared — done, mail 12 (2026-09-07) “PFA NOI INDEX 2 FOR CASE CLOSURE.”

read over 12 mail(s), last mail 2026-09-07 · read 30d 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 here

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 30d ago — all agree.

2File the NOI on the IGR site, then tell the branch

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

Open filing pack →

Fix something every change is recorded with your name

Where did you see the money? One tap is the same record, in your name:

Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.

Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once

Advanced — move the case by hand (ask Abhijit first)

Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.

The reply EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.

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

PB pritam.bhanage@phfl.com phfl.com
21 Aug, 17:55 · 55d ago THE APP JOINED HERE — earlier mails are on Gmail

please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345

📎 vishal kadam.pdf ↗

Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345

Dear team

please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345

🤖 read: says the fee is paid ✓; documents attached — “payment receipt for 0.30% & NOI PAYMENT”

9 more mails in between — open

OL The NOI teamTYPED IN GMAIL
21 Aug, 18:11 · 54d 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 colour live selfie photo and pan card of the applicant

VILAS RAMCHANDRA KADAM..

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage < pritam.bhanage@phfl.com > wrote: Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345

🤖 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
21 Aug, 19:54 · 54d ago

Team,PFA challan for your reference..

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 18:11, 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 colour live selfie photo and pan card of the applicant 

VILAS RAMCHANDRA KADAM.. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage < pritam.bhanage@phfl.com > wrote: Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345 

Team,

PFA challan for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 21 Aug 2026 at 18:11, 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 colour live
selfie photo and pan card of the applicant VILAS RAMCHANDRA KADAM..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
pritam.bhanage@phfl.com> wrote:

> Dear team
> please find attached documents and payment receipt for 0.30% & NOI
> PAYMENT of NHL/NAV/0726/182345
>

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

OL The NOI teamTYPED IN GMAIL
03 Sep, 12:35 · 42d ago

Regards, NOI Coordinator (PNB) ThinkBigz M-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 19:54, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, PFA challan for your reference.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 21 Aug 2026 at 18:11, 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 colour live selfie photo and pan card of the applicant 

VILAS RAMCHANDRA KADAM.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage < pritam.bhanage@phfl.com > wrote: Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345 

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 21 Aug 2026 at 19:54, THINKBIGZ NOI <pnb.noifilling@gmail.com> 
wrote:

Team,

PFA challan for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 21 Aug 2026 at 18:11, 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 colour live 
> selfie photo and pan card of the applicant VILAS RAMCHANDRA KADAM..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
> pritam.bhanage@phfl.com> wrote:
>
>> Dear team 
>> please find attached documents and payment receipt for 0.30% & NOI 
>> PAYMENT of NHL/NAV/0726/182345
>>
>

🤖 read: The sender sent an empty email with only a signature.

OL The NOI teamTYPED IN GMAIL
03 Sep, 12:36 · 42d ago

Regards, NOI Coordinator (PNB) ThinkBigz M-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 19:54, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, PFA challan for your reference.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 21 Aug 2026 at 18:11, 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 colour live selfie photo and pan card of the applicant 

VILAS RAMCHANDRA KADAM.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage < pritam.bhanage@phfl.com > wrote: Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345 

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 21 Aug 2026 at 19:54, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

Team,

PFA challan for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 21 Aug 2026 at 18:11, 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 colour live
> selfie photo and pan card of the applicant VILAS RAMCHANDRA KADAM..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
> pritam.bhanage@phfl.com> wrote:
>
>> Dear team
>> please find attached documents and payment receipt for 0.30% & NOI
>> PAYMENT of NHL/NAV/0726/182345
>>
>

🤖 read: The sender (NOI Team) only provides a signature.

OL The NOI teamTYPED IN GMAIL
03 Sep, 12:37 · 42d ago

Regards, NOI Coordinator (PNB) ThinkBigz M-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 19:54, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, PFA challan for your reference.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 21 Aug 2026 at 18:11, 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 colour live selfie photo and pan card of the applicant 

VILAS RAMCHANDRA KADAM.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage < pritam.bhanage@phfl.com > wrote: Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345 

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 21 Aug 2026 at 19:54, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

Team,

PFA challan for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 21 Aug 2026 at 18:11, 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 colour live
> selfie photo and pan card of the applicant VILAS RAMCHANDRA KADAM..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
> pritam.bhanage@phfl.com> wrote:
>
>> Dear team
>> please find attached documents and payment receipt for 0.30% & NOI
>> PAYMENT of NHL/NAV/0726/182345
>>
>

🤖 read: The NOI Team sends a mail with a signature and an attachment.

OL The NOI teamTYPED IN GMAIL
03 Sep, 12:39 · 42d ago

TeamWe will process NOI for the same.

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage < pritam.bhanage@phfl.com > wrote: Dear team please find attached documents and payment receipt for 0.30% & NOI PAYMENT of NHL/NAV/0726/182345 

Team

We will process NOI for the same.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
pritam.bhanage@phfl.com> wrote:

Dear team
please find attached documents and payment receipt for 0.30% & NOI PAYMENT
of NHL/NAV/0726/182345

🤖 read: The team states they will process the NOI.

OL The NOI teamTYPED IN GMAIL
03 Sep, 18:24 · 41d ago

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 3 Sept 2026 at 12:39, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Team

We will process NOI for the same.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
pritam.bhanage@phfl.com> wrote:

> Dear team 
> please find attached documents and payment receipt for 0.30% & NOI 
> PAYMENT of NHL/NAV/0726/182345
>

🤖 read: The sender sent an empty email.

OL The NOI teamTYPED IN GMAIL
03 Sep, 18:25 · 41d ago

Dear Team

Re attached the challan for the same..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 3 Sept 2026 at 12:39, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Team

We will process NOI for the same.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
pritam.bhanage@phfl.com> wrote:

> Dear team 
> please find attached documents and payment receipt for 0.30% & NOI 
> PAYMENT of NHL/NAV/0726/182345
>

🤖 read: challan shared ✓ — “Re attached the challan for the same..”

OL The NOI teamTYPED IN GMAIL
03 Sep, 18:25 · 41d ago

Dear Team

Re attached the challan for the same..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 3 Sept 2026 at 12:39, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Team

We will process NOI for the same.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
pritam.bhanage@phfl.com> wrote:

> Dear team
> please find attached documents and payment receipt for 0.30% & NOI
> PAYMENT of NHL/NAV/0726/182345
>

🤖 read: challan shared ✓ — “Re attached the challan for the same..”

OL The NOI teamTYPED IN GMAIL
03 Sep, 18:35 · 41d ago

TEAM,

PFA: Downloaded e-filing for your reference..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 3 Sept 2026 at 18:25, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Dear Team

Re attached the challan for the same..
*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Thu, 3 Sept 2026 at 12:39, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Team
>
> We will process NOI for the same.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
> pritam.bhanage@phfl.com> wrote:
>
>> Dear team
>> please find attached documents and payment receipt for 0.30% & NOI
>> PAYMENT of NHL/NAV/0726/182345
>>
>

🤖 read: NOI filed on IGR ✓; e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference..”

OL The NOI teamTYPED IN GMAIL
07 Sep, 14:51 · 38d ago

DEAR TEAM,

PFA NOI INDEX 2 FOR CASE CLOSURE.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Thu, 3 Sept 2026 at 18:35, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

TEAM,

PFA: Downloaded e-filing for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Thu, 3 Sept 2026 at 18:25, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Dear Team
>
> Re attached the challan for the same..
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Thu, 3 Sept 2026 at 12:39, THINKBIGZ NOI <pnb.noifilling@gmail.com>
> wrote:
>
>> Team
>>
>> We will process NOI for the same.
>>
>> *Regards,*
>>
>> *NOI Coordinator (PNB)*
>> *ThinkBigz*
>> *M:-8097244974 <(809)%20724-4974>*
>>
>>
>> On Fri, 21 Aug 2026 at 17:56, Pritam Sahadev Bhanage <
>> pritam.bhanage@phfl.com> wrote:
>>
>>> Dear team
>>> please find attached documents and payment receipt for 0.30% & NOI
>>> PAYMENT of NHL/NAV/0726/182345
>>>
>>

🤖 read: Index II shared ✓ — “PFA NOI INDEX 2 FOR CASE CLOSURE.”

Every file the branch sent, and what EzDocs read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.

Document	File — click to open	Status	When
Sanction letter+ Index II inside+ Selfie / photo inside+ Aadhaar card inside+ PAN card inside+ Payment screenshot inside	vishal kadam.pdf	filed	42d 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
₹20,140

Where it stands
waiting for the credit

Screenshot claims
₹20,105 T2608202020346554760444

why?

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹6,870	₹11,450	₹320	₹1,500	₹20,140

By law ₹20,124. We ask ₹20,140 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

25 of 34 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Road, Property type (Open / Building / Open + Building), Title deed held by the bank (Agreement to Sale / Sale Deed …), Road (person 1) …

8 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Second number, First name (person 1), Middle name (person 1), Last name (person 1), PAN (person 1), Building (person 1), Floor (person 1), Road (person 1)

✓ EzDocs checked every box against the document’s own words 30d ago — all agree.

CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (vishal kadam.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)

⚠ not in the document

Number

⚠ not in the document

Area (sq.mt, carpet)

⚠ not in the document

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

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

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

एस एस ॥ ए / 529 से 4, कोपरखैरणे, नवी मुंबई.

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

vishal kadam.pdf

the address
{'PIN': '400709', 'AREA': 'SECTOR-4 NAVI MUMBAI', 'FLAT': 'SS-2/A, ROOM NO-529', 'ROAD': NONE, 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': NONE, 'DISTRICT': 'THANE', 'POST_OFFICE': NONE, 'VILLAGE_CITY': 'KOPAR KHAINE S.O'}

THE CHALLAN, as it will be typed

Flat/Survey Number
APARTMENT NO SS-II A/529 GROUND FLOOR SADGURU OWNERS ASSOCIATION PLOT NO 6 SECTOR NO 4

Locality/Road
KOPARKHAIRANE

Area/City
NAVI MUMBAI

check or correct a box, the papers beside it →

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	VISHAL VILAS KADAM	DSEPK3698K	…2662

All mail records (for Abhijit — safe to ignore)

Template	To	When
fee quote	pritam.bhanage@phfl.com	42d ago

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

Sanction letter vishal kadam.pdf needs your check

lan
NHL/NAV/0726/5182345

legible
True

loan type
Non Housing Loan

confidence
1.0

loan amount
2200000

interest rate
9.5

sanction date
05-Aug-2026

letter version
4

applicant names
VISHAL VILAS KADAM

applicant mobile
8286997483

property address
pin: 400709; state: MAHARASHTRA; taluka: Thane; Flat no: APARTMENT NO SS-II A/529; district: Thane; Floor: GROUND FLOOR; Address: APARTMENT NO SS-II A/529, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, PLOT NO 6, KOP

insurance premium
88000

includes insurance
True

total with insurance
2288000

security address verbatim
APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, KOPARKHAIRANE NAVI MUMBAI, Thane, SECTOR NO 4, Thane, MAHARASHTRA, India, 400709

raw reading (for Abhijit)

{'lan': 'NHL/NAV/0726/5182345', 'legible': True, 'loan_type': 'Non Housing Loan', 'confidence': 1.0, 'loan_amount': 2200000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '05-Aug-2026', 'letter_version': '4', 'applicant_names': ['VISHAL VILAS KADAM'], 'applicant_mobile': '8286997483', 'property_address': {'pin': '400709', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Thane', 'flat_no': 'APARTMENT NO SS-II A/529', 'district': 'Thane', 'floor_no': 'GROUND FLOOR', 'landmark': None, 'full_address': 'APARTMENT NO SS-II A/529, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, PLOT NO 6, KOPARKHAIRANE NAVI MUMBAI, SECTOR NO 4, Thane, MAHARASHTRA, 400709', 'village_city': 'KOPARKHAIRANE NAVI MUMBAI', 'building_name': 'SADGURU OWNERS ASSOCIATION', 'survey_or_cts_no': 'PLOT NO 6'}, 'insurance_premium': 88000, 'includes_insurance': True, 'total_with_insurance': 2288000, 'security_address_verbatim': 'APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, KOPARKHAIRANE NAVI MUMBAI, Thane, SECTOR NO 4, Thane, MAHARASHTRA, India, 400709'}

Sanction letter vishal kadam.pdf needs your check

payments inside
bank: ICICI Bank; kind: payment_screenshot; payments: [{'utr': 'T2608202020346554760444', 'date': '2026-08-20', 'page': 5, 'time': '20:20', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 20105.0, 'direction': 'debit'

raw reading (for Abhijit)

{'payments_inside': {'bank': 'ICICI Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': 'T2608202020346554760444', 'date': '2026-08-20', 'page': 5, 'time': '20:20', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 20105.0, 'direction': 'debit', 'narration': 'Government & Vendor charges', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '02', 'account_holder': 'Vishal Vilas Kadam'}}

Sanction letter vishal kadam.pdf needs your check

dob
1994-03-31

name
Vishal Vilas Kadam

page
3

mobile
8286997483

address
pin: 400709; area: Sector-4 Navi Mumbai; flat: SS-2/A, Room no-529; state: Maharashtra; district: Thane; Village: Kopar Khaine S.O

legible
True

card kind
aadhaar

card of many
1

aadhaar last4
2662

raw reading (for Abhijit)

{'dob': '1994-03-31', 'pan': None, 'name': 'Vishal Vilas Kadam', 'page': 3, 'mobile': '8286997483', 'address': {'pin': '400709', 'area': 'Sector-4 Navi Mumbai', 'flat': 'SS-2/A, Room no-529', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Thane', 'post_office': None, 'village_city': 'Kopar Khaine S.O'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 1, 'aadhaar_last4': '2662', 'quality_issue': None}

Sanction letter vishal kadam.pdf needs your check

dob
1994-03-31

pan
DSEPK3698K

name
VISHAL VILAS KADAM

page
4

legible
True

card kind
pan

father name
VILAS RAMCHANDRA KADAM

card of many
2

raw reading (for Abhijit)

{'dob': '1994-03-31', 'pan': 'DSEPK3698K', 'name': 'VISHAL VILAS KADAM', 'page': 4, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'VILAS RAMCHANDRA KADAM', 'card_of_many': 2, 'aadhaar_last4': None, 'quality_issue': None}

Technical record (for Abhijit — safe to ignore)

6h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 03 Sep, 18:35 shared the e-filing copy — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']}
13d ago	EzDocs	cards_read	{'why': 'this file holds several identity cards — every one read and put on its own person', 'file': 'vishal kadam.pdf', 'cards': 2, 'doc_id': '8c33cb13-f416-4318-bc2f-86e5768402ed', 'applied': 2}
13d ago	EzDocs	kyc_names_match	{'sig': 'VISHAL VILAS KADAM\|Vishal Vilas Kadam\|same', 'why': 'the PAN and the Aadhaar name the same person — the same words, in either order', 'score': 1.0, 'pan_file': 'vishal kadam.pdf', 'pan_name': 'VISHAL VILAS KADAM
13d ago	EzDocs	id_doc_filed	{'doc': 'pan', 'file': 'vishal kadam.pdf', 'doc_id': '8c33cb13-f416-4318-bc2f-86e5768402ed', 'person': 'VISHAL VILAS KADAM', 'party_id': 'f1f25c49-3566-471e-83a7-56a483923199', 'name_on_doc': 'VISHAL VILAS KADAM'}
13d ago	EzDocs	roles_from_letter	{'why': "the sanction letter lists the borrowers in order and the first is the applicant — GRAS's first party is the BORROWER, and this is the paper that says which of them that is", 'changed': ['VISHAL VILAS KADAM -> mo
13d ago	EzDocs	id_doc_filed	{'doc': 'aadhaar', 'file': 'vishal kadam.pdf', 'doc_id': '8c33cb13-f416-4318-bc2f-86e5768402ed', 'person': 'VISHAL VILAS KADAM', 'party_id': 'f1f25c49-3566-471e-83a7-56a483923199', 'name_on_doc': 'Vishal Vilas Kadam'}
13d ago	EzDocs	kyc_address_read	{'doc': 'aadhaar', 'pin': '400709', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Kopar Khaine S.O', 'doc_id': '8c33
30d ago	EzDocs	hidden_payment_scan	{'file': 'vishal kadam.pdf', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '8c33cb13-f416-4318-bc2f-86e5768402ed', 'fetched': True}
30d 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': 'vishal kadam.pdf',
30d ago	EzDocs	screenshot_claim_recorded	{'utr': 'T2608202020346554760444', 'date': '2026-08-20', 'parts': 1, 'amount': 20105.0, 'claimed_total': 20105.0}
30d 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	boxes_gathered	{'how': 'uri', 'why': 'quick sweep', 'docs': ['vishal kadam.pdf'], 'kept': ['Area'], 'after': {'challan_boxes': {'box1': 'APARTMENT NO SS-II A/529 GROUND FLOOR SADGURU OWNERS ASSOCIATION PLOT NO 6 SECTOR NO 4', 'bo
30d ago	EzDocs	challan_boxes_composed	{'fp': 'c78373dbb05c3e41', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'APARTMENT NO SS-II A/529 GROUND FLOOR SADGURU
30d ago	EzDocs	property_self_check	{'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 8, 'trigger': 'after the Index II takeover'}
30d ago	EzDocs	property_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': 'vishal kadam.pdf', 'changed': {'Flat no': {'was': 'APARTMENT NO SS-II A/52
30d ago	EzDocs	index2_people_checked	{'doc_id': '8c33cb13-f416-4318-bc2f-86e5768402ed', 'differs': 0, 'matched': [], 'not_on_case': 1}
30d ago	EzDocs	index2_extra_purchaser	{'why': "the Index II names a purchaser the case does not know — a co-owner whose KYC never came (every owner is a mortgagor on the filing), or the wrong person's KYC on the case", 'doc_id': '8c33cb13-f416-4318-bc2f-86e5
30d ago	EzDocs	closed_from_desk_words	{'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"}
31d ago	EzDocs	efiling_found_on_case	{'now': 'AWAITING_INDEX2', 'was': 'CHALLAN_PAID', 'why': 'the paper is the fact and the stage follows it — the case was standing at an earlier step than the people working it. The money is untouched by this.', 'trigger':
31d ago	EzDocs	property_attrs_split	{'now': {'Number type': 'PLOT', 'Number': '6'}, 'was': {'Number type': 'SURVEY/CTS', 'Second number type': '', 'Number': 'PLOT NO 6', 'Second number': ''}, 'why': "the number boxes hold the type word once and the bare numb
41d ago	EzDocs	extra_challan_scanned	{'found': 0}
42d 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'}
42d 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"}
42d ago	EzDocs	email_shadowed:fee_quote	{'to': 'pritam.bhanage@phfl.com', 'body': 'Dear Team,\n\nPlease check the calculation and account details for the captioned case (LAN: NHL/NAV/0726/182345).\n\n NOI Charges & Service Fees Calculator - Nestly.in\n Loan
42d ago	EzDocs	receivable_created	{'expected': 20140.0}
42d ago	EzDocs	payer_mobile_captured	{'last4': '7483', 'source': 'sanction_letter'}
42d ago	EzDocs	property_address_extracted	{'confidence': 1.0, 'Address': 'APARTMENT NO SS-II A/529, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, PLOT NO 6, KOPARKHAIRANE NAVI MUMBAI, SECTOR NO 4, Thane, MAHARASHTRA, 400709'}
42d ago	EzDocs	document_received	{'file': 'vishal kadam.pdf', 'doc_type': 'sanction_letter', 'confidence': 0.9, 'also_inside': ['index2', 'selfie', 'aadhaar', 'pan', 'payment_screenshot']}
42d ago	EzDocs	case_created	{'lan': 'NHL/NAV/0726/182345', 'bank': 'PNB_HFL', 'thread_id': '1a0244996b1d02ca'}

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

Papers

All 1 in hand

Nothing more to ask the branch for

Money

₹20,105 claimed · credit not seen

Counts as received only on the credit SMS or a person's Verify.

Challan & filing

Done — Index II shared

The case is closed.

Next — whose move

No one

done

For you to check: The work is done — our fee of ₹20,140 is still not in our account. Chase the branch for it.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered