⚠The PNB mailbox has used 133% of what Google lets it send in 24 hours (663 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-03318

HRITHIK HEMANT CHAVAN

LAN NHL/KLN/0926/5224736 Challan paid · our move File on IGR Send the draft 1 All documents Mails & papers 7

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs2 still to come

7 of 9 in hand.
the challan is done — these are for the IGR filing / KYC

Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a passport-size print, not a live selfie)open

✓Payment screenshot — money verifiedopen

✓Index II — the branch's own title copy, an input; the address was read from itopen

✓Sanction letteropen

✓PAN cardopen

✓Paid challan (GRAS)open

✓Aadhaar card — inside Neeta Kyc.pdfopen

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

Applicant's Selfie / Photo — for the e-filing visit later

All files (6)A label is wrong? Fix it under All documents.

Needs your eyes

Selfie / photo: copy on file cannot be used. A usable one is being asked for.

MoneyAll of it is in

₹25,960.88CASE MARK

The whole amount reached our account. Nothing is pending on this case.

₹25,935 receivedthe receipt's amount and minute agree

Stamp duty 0.3%9,140

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.88

Total we ask for25,960.88

the branch’s receipt claims ₹25,935 628129312689

paid 8 Oct 19:19:04 · verified 8 Oct 19:26:54 · 7 min 50 s later

How we know

Our own bank told us — 8 Oct 19:19

₹25,935 · UTR 628129312689 · from VD-HDFCBN-S

“Successful! You have received Rs. 25935.00 via HDFC Bank SmartHub Vyapar from Mrs. NEETA . RRN-628129312689 , Check: https://1.hdfc.bank.in/HDFCBK/s/EAY73qb0”

Matched by: the screenshot's amount AND its minute agree with this credit · counted full inside our buffer

By law ₹25,955. We ask ₹25,960 (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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 10 minour time · 8 Oct 19:35

Index II —not yet

the NOI team 5 d 5 hthe branch 2 mintotal 5 d 5 h so far

Now with the NOI team — e-filing on IGR

since 8 Oct 19:35 — 5 d 5 h of working time

Day by day — every step and who held it

8 Oct 19:16Your branch's mail

8 Oct 19:19Payment landed+2 min · the branch

8 Oct 19:26Papers read+7 min · the NOI team

8 Oct 19:26Property readat once

8 Oct 19:26Fee quotedat once

8 Oct 19:26Payment verifiedat once

8 Oct 19:26Ready for the challanat once

8 Oct 19:35Challan made+9 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹30,45,000

Loan account no.

NHL/KLN/0926/5224736

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

CONFIRM THE PROPERTY — then file

The engine read these from the Index II. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.

District

Thane

Taluka

Thane

Village

Panchpakhadi

Number type

CTS

Number

143(1), TIKA NO.12, TIKA NO. 12

Building

Cosmic CHSL

Floor

Ground

Flat / shop no

Area

383.00

Hadd

Thane Municipal Corporation

Read from the Index II on file — the government's own words for this property. Index-II.pdf open it

✓ EzDocs checked every box against the document’s own words 5d ago — all agree.

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, the engine sees:

• DO NOT SAVE — Applicant name mismatch between file record and branch request: Our file record says HRITHIK HEMANT CHAVAN is the applicant; The branch's request says Customer Name: Neeta Chavan. The file was opened under Hrithik's name, but the branch's request explicitly asks for notice/mortgage for Mrs. Neeta Chavan under the same loan number. Confirm with the branch whether the payer and primary applicant should be Neeta Chavan as requested.

• HRITHIK HEMANT CHAVAN: PAN missing — no PAN card of HRITHIK HEMANT CHAVAN is read on the file — the PAN cards on it (NEETA HEMANT CHAVAN, Neeta Kyc.pdf) are beside the form; type the PAN off the person's own card

• HRITHIK HEMANT CHAVAN: birth date missing — no PAN card of HRITHIK HEMANT CHAVAN is read on the file — the PAN cards on it (NEETA HEMANT CHAVAN, Neeta Kyc.pdf) are beside the form; type the birth date off the person's own card

• person 2's mobile: the case's 9819013884 came off a card — not typed; copy it from the sanction letter / KFS or the branch's mail

• 2 property box(es) not from the Index II / derived / unsure — amber on the portal: attr2_type, attr2_value

• person 2's mobile: the whole-file reading took 9819013884 off a card — not typed

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.

⚠ 1 difference 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

CHECKApplicant name mismatch between file record and branch request

Our file record	HRITHIK HEMANT CHAVAN is the applicant HRITHIK HEMANT CHAVAN
The branch's request	Customer Name: Neeta Chavan

Why it matters: Not a question for the bank: one person, written two ways.

What to do: Nothing to ask the bank — look once if you like.

Compared: the sanction letter, the Index II, the branch's mail; and the whole-file reading. Nothing here is typed or changed by itself.

Where this case stands — the whole trailEzDocs has not read this trail yet — the sweep 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). The engine 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 5d 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)

Attempt	GRN	Token	Status	Submitted
#1 principal	MH011653756202627E	—	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

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 the engine wrote on this thread — yours to edit; nothing leaves until you press Send. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

Request you to provide Moe and Noi - Mrs. Neeta Chavan - NHL/KLN/0926/5224736

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents and payment for the captioned case. We will initiate the challan for the same.

ApplicantHRITHIK HEMANT CHAVAN

LANNHL/KLN/0926/5224736

Loan AmtRs. 30,45,000

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Index II copy / Title document, Payment Screenshot with UTR, Sanction Letter

Payment of Rs. 25,935.00 stands VERIFIED against the credit in our account on 08-Oct-2026 (UTR: 628129312689). Nothing further is due on this case.

Still needed to complete the NOI e-filing (this does NOT hold up the challan or your disbursement):

Applicant's Selfie / Photo

Next: we generate the GRAS challan and share the paid challan on this same thread. Our TAT of 24 working hours starts now.

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

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

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

SK swapnil.karande@phfl.com phfl.com
08 Oct, 19:16 · 5d ago THE FIRST MAIL — how this case began

Request you to provide Moe and Noi - Mrs. Neeta Chavan - NHL/KLN/0926/5224736

📎 1000678192.jpg ↗📎 payment screenshot.jpg ↗📎 Index-II.pdf ↗📎 Sanction Letter.pdf ↗📎 Neeta Kyc.pdf ↗

Dear Team,

Request you to provide Moe and Noi.

Customer nameNeeta Chavan

Loan amount₹30,45,000

Property Address: Flat No.1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India. 400602

Applicant kyc, index ii, photo, sanction letter and payment screenshot attached.

Regards,

Swapnil Karande

Team Leader - Emerging Market

PNB Housing Finance Limited,

Ph: +91 7977541239

🤖 read: asks for the token / NOI confirmation, the Index II, the e-filing copy; documents attached — “Loan Amount: 3045000”

4 more mails in between — open

OL The NOI teamTYPED IN GMAIL
08 Oct, 19:37 · 5d ago

Team,

acknowledge the receipt of your mail documents and payment. We will

initiate the challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 8 Oct 2026 at 19:26, Swapnil Sunil Karande < swapnil.karande@phfl.com > wrote:

Dear Team,

Request you to provide Moe and Noi.

Customer Name: Neeta Chavan

Loan Amount: 3045000

Property Address: Flat No.1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India. 400602

Applicant kyc, index ii, photo, sanction letter and payment screenshot attached.

Regards,
Swapnil Karande
Team Leader - Emerging Market
PNB Housing Finance Limited,
Ph:  +91 7977541239

🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”

OL The NOI teamTYPED IN GMAIL
08 Oct, 19:37 · 5d ago

📎 NEETA HEMANT CHAVAN EchallanMH011653756202 ↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 8 Oct 2026 at 19:37, 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.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 8 Oct 2026 at 19:26, Swapnil Sunil Karande < swapnil.karande@phfl.com > wrote:

Dear Team,

Request you to provide Moe and Noi.

Customer Name: Neeta Chavan

Loan Amount: 3045000

Property Address: Flat No.1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India. 400602

Applicant kyc, index ii, photo, sanction letter and payment screenshot attached.

Regards,
Swapnil Karande
Team Leader - Emerging Market
PNB Housing Finance Limited,
Ph:  +91 7977541239

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

OL The NOI teamTYPED IN GMAIL
08 Oct, 19:38 · 5d ago

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 8 Oct 2026 at 19:37, 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.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 8 Oct 2026 at 19:26, Swapnil Sunil Karande < swapnil.karande@phfl.com > wrote:

Dear Team,

Request you to provide Moe and Noi.

Customer Name: Neeta Chavan

Loan Amount: 3045000

Property Address: Flat No.1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India. 400602

Applicant kyc, index ii, photo, sanction letter and payment screenshot attached.

Regards,
Swapnil Karande
Team Leader - Emerging Market
PNB Housing Finance Limited,
Ph:  +91 7977541239

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

SK swapnil.karande@phfl.com phfl.com
08 Oct, 20:35 · 5d ago

Dear Team,

Please hold NOI for captioned case.

Regards,
Swapnil Karande

earlier mails quoted below

________________________________
From: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Sent: Thursday, 8 October 2026 7:41 pm
To: Swapnil Sunil Karande
Cc: avinash.mohanty; abhijit.bare; swati.more
Subject: Re: Request you to provide Moe and Noi - Mrs. Neeta Chavan - NHL/KLN/0926/5224736

🤖 read: asks for a status; note: Please hold NOI for captioned case. — “Please hold NOI for captioned case.”

SK swapnil.karande@phfl.com phfl.com
13 Oct, 17:08 · 7h ago

Dear Team,

Please proceed further for NOI.

Regards,
Swapnil karande

earlier mails quoted below

________________________________
From: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Sent: Thursday, 8 October 2026 7:41 pm
To: Swapnil Sunil Karande
Cc: avinash.mohanty; abhijit.bare; swati.more
Subject: Re: Request you to provide Moe and Noi - Mrs. Neeta Chavan - NHL/KLN/0926/5224736

🤖 read: Please proceed further for NOI.

OL The NOI teamTYPED IN GMAIL
13 Oct, 17:13 · 7h ago

Noted.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Tue, 13 Oct 2026 at 17:08, Swapnil Sunil Karande <
swapnil.karande@phfl.com> wrote:

Dear Team,

Please proceed further for NOI.

Regards,
Swapnil karande

------------------------------
*From:* THINKBIGZ NOI <pnb.noifilling@gmail.com>
*Sent:* Thursday, 8 October 2026 7:41 pm
*To:* Swapnil Sunil Karande
*Cc:* avinash.mohanty; abhijit.bare; swati.more
*Subject:* Re: Request you to provide Moe and Noi - Mrs. Neeta Chavan -
NHL/KLN/0926/5224736

🤖 read: Noted.

Every file the branch sent, and what the engine 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	1000678192.jpg	CANNOT BE READ — clear copy asked	5d ago
Payment screenshot	payment screenshot.jpg	filed	5d ago
Index IIthe branch sent this — an input	Index-II.pdf	filed	5d ago
Sanction letter	Sanction Letter.pdf	filed	5d ago
PAN card+ Aadhaar card inside	Neeta Kyc.pdf	filed	5d ago
Paid challan (GRAS)	NEETA HEMANT CHAVAN EchallanMH011653756202627E.pdf	filed	5d 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
₹25,960.88

Where it stands
VERIFIED — money received

Screenshot claims
₹25,935 628129312689

Paid at
8 Oct 19:19:04

Verified on
8 Oct 19:26:54

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹9,140	₹15,000	₹320	₹1,500	₹25,960

By law ₹25,955. We ask ₹25,960 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

41 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, E-mail (person 1), PAN (person 2), Birth date (person 2), Floor (person 2)

7 box(es) highlighted — not from the Index II / the Aadhaar, derived, or EzDocs was not sure: Second number type, Second number, Floor (person 1), First name (person 2), Middle name (person 2), Last name (person 2), Floor (person 2)

✓ EzDocs checked every box against the document’s own words 5d ago — all agree.

CHECKED by the engine, from the Index II — correct any box that is off; a correction clears thissource: the Index II (Index-II.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

✓ in the document

⚠ 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.

1) पालिकेचे नाव:ठाणे म.न.पा. इतर वर्णन :सदनिका नं: 01, माळा नं: तळमजला, इमारतीचे नाव: कॉस्मिक स.गृ.नि.सं.मर्यादित, ब्लॉक नं: सरस्वती शाळेसमोर, रोड नं. पाचपाखाडी, ठाणे (प), इतर माहितीः सदनिका क्र.०१. तळमजला क्षेत्रफळ - ३८३चौ.फु. कारपेट=४६० चौ.फु.बिल्ट अप = स.गृ.नि.सं.मर्यादित, सरस्वती शाळेसमोर, मौजे पाचपाखाडी, ठाणे (प) C.T.S. Number : 143(1),TIKA NO.12 ; Plot Number : 20 ) )

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

Sanction Letter.pdf

as printed
FLAT NO1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, THANE, OPP SARASWATI ENGLISH SCHOOL, THANE, MAHARASHTRA, INDIA, 400602

PIN
400602

the Index II

Index-II.pdf

the property
1) paalikeche naava:thaane ma.na.paa. itara varnana :sadanikaa nan: 01, maalaa nan: talamajalaa, imaaratiche naava: kosmika sa.gru.ni.san.maryaadita, bloka nan: sarasvati shaalesamora, roda nan. paachapaakhaadi, thaane (pa), itara maahitih sadanikaa kra.01. talamajalaa kshetraphala - 383chau.phu. kaarapeta=460 chau.phu.bilta apa = sa.gru.ni.san.maryaadita, sarasvati shaalesamora, mauje paachapaakhaadi, thaane (pa) C.T.S. NUMBER : 143(1),TIKA NO.12 ; PLOT NUMBER : 20 ) )

PIN
I CANNOT TELL

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO1 GROUND FLOOR COSMIC APARTMENT THANE OPP SARASWATI ENGLISH SCHOOL MAHARASHTRA

Locality/Road

Area/City
THANE

check or correct a box, the papers beside it →

the Index II also prints: 01, 1, 12, 143, 20, 383CHAU, 460, APA, BILTA, BLOKA, CANNOT, CHAU, GRU, IMAARATICHE, ITARA, KAARAPETA, KOSMIKA

Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base 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	NEETA HEMANT CHAVAN	AIRPC8634K	…6518
mortgagor	HRITHIK HEMANT CHAVAN

All mail records (for Abhijit — safe to ignore)

1 mail(s) written and held — read and send them on Draft mails.

Template	To	When
acknowledgement	swapnil.karande@phfl.com	5d ago

What the engine read from each document — check anything marked in red

Selfie / photo 1000678192.jpg needs your check

kind
photo_of_printed_photo

legible
False

confidence
1.0

face visible
True

quality issue
this is a photograph of a passport-size print, not a live selfie

raw reading (for Abhijit)

{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 1.0, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

Payment screenshot payment screenshot.jpg needs your check

utr
628129312689

date
2026-10-08

time
19:18

amount
25935

method
Google Pay

payee upi
....2080@hdfcbank

payer upi
....an38@oksbi

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
Mrs. NEETA HEMANT CHAVAN

raw reading (for Abhijit)

{'utr': '628129312689', 'date': '2026-10-08', 'time': '19:18', 'amount': 25935, 'method': 'Google Pay', 'payee_upi': '....2080@hdfcbank', 'payer_upi': '....an38@oksbi', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'Mrs. NEETA HEMANT CHAVAN', 'debit_notification_text': None}

Index II Index-II.pdf needs your check

kind
index2_input

extracted
pin: I CANNOT TELL; rows: {'r4_palika': 'ठाणे म.न.पा.', 'r11_serial': '1253/2013', 'r14_remark': 'within family', 'r4_locality': 'सरस्वती शाळेसमोर', 'r5_area_text': '42.75 चौ.मीटर', 'r7_executants': [{'age': '46', 'pan':

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': 'I CANNOT TELL', 'rows': {'r4_palika': 'ठाणे म.न.पा.', 'r11_serial': '1253/2013', 'r14_remark': 'within family', 'r4_locality': 'सरस्वती शाळेसमोर', 'r5_area_text': '42.75 चौ.मीटर', 'r7_executants': [{'age': '46', 'pan': 'AFBPC4072Q', 'name': 'हेमंत गणपत चव्हाण', 'address': 'प्लॉट नं: 1, माळा नं: तळमजला, इमारतीचे नाव: कॉस्मिक सोसायटी, ब्लॉक नं. पाचपाखाडी ठाणे (प), रोड नं:,, पिन कोड:-400602'}], 'r8_purchasers': [{'age': '38', 'pan': 'AIRPC8634K', 'name': 'नीता हेमंत चव्हाण', 'address': 'प्लॉट नं: 1, माळा नं: तळमजला, इमारतीचे नाव: कॉस्मिक सोसायटी, ब्लॉक नं: पाचपाखाडी ठाणे (प), रोड नं: -, महाराष्ट्र, ठाणे. पिन कोड:-400602'}], 'r12_stamp_duty': 41100, 'r3_market_value': 2052000, 'r1_document_type': 'बक्षीसपत्र', 'r2_consideration': 0, 'r9_execution_date': '01/02/2013', 'r13_registration_fee': 20550, 'r10_registration_date': '04/02/2013'}, 'doc_no': '1253', 'village': 'पांचपाखाडी', 'doc_kind': 'सूची क्र.2', 'doc_year': '2013', 'sro_name': 'सह दु.नि. ठाणे 5', 'area_text': '42.75 चौ.मीटर', 'mortgagee': 'I CANNOT TELL', 'filing_fee': 20550, 'header_sro': 'सह दु.नि. ठाणे 5', 'mortgagors': ['नीता हेमंत चव्हाण'], 'stamp_duty': 41100, 'filing_date': '2013-02-04', 'loan_amount': 0, 'token_number': '1253335', 'property_text': '1) पालिकेचे नाव:ठाणे म.न.पा. इतर वर्णन :सदनिका नं: 01, माळा नं: तळमजला, इमारतीचे नाव: कॉस्मिक स.गृ.नि.सं.मर्यादित, ब्लॉक नं: सरस्वती शाळेसमोर, रोड नं. पाचपाखाडी, ठाणे (प), इतर माहितीः सदनिका क्र.०१. तळमजला क्षेत्रफळ - ३८३चौ.फु. कारपेट=४६० चौ.फु.बिल्ट अप = स.गृ.नि.सं.मर्यादित, सरस्वती शाळेसमोर, मौजे पाचपाखाडी, ठाणे (प) C.T.S. Number : 143(1),TIKA NO.12 ; Plot Number : 20 ) )', 'header_village': 'पांचपाखाडी', 'survey_numbers': ['143(1)', '12', '20'], 'header_doc_number': '1253/2013'}}

Sanction letter Sanction Letter.pdf needs your check

lan
NHL/KLN/0926/5224736

legible
True

purpose
Non Housing Loan, Personal use

borrowers
{'name': 'HRITHIK HEMANT CHAVAN', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'NEETA HEMANT CHAVAN', 'role': 'applicant', 'label': 'Applicant'}

confidence
1.0

rate words
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13:15% -3.35% = 9.80% per annum as on the date of execution of the loan agreement

loan amount
2900000.0

rate spread
-3.35

final amount
3045000.0

interest rate
9.8

sanction date
30-Sep-2026

letter version
4

reference rate
13.15

applicant email
hrithikchavan101@gmail.com

applicant names
HRITHIK HEMANT CHAVAN, NEETA HEMANT CHAVAN

printed altered
False

applicant mobile
9324602867

balance transfer
False

property address
pin: 400602; state: MAHARASHTRA; taluka: Thane; flat_no: FLAT NO1; district: Thane; floor_no: GROUND FLOOR; landmark: OPP SARASWATI ENGLISH SCHOOL; full_address: FLAT NO1, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARAS

insurance premium
145000.0

final amount label
Total Loan Amount

includes insurance
True

total with insurance
3045000.0

security address verbatim
FLAT NO1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India, 400602

applicant address verbatim
B 602 WEST VIEW SOCIETY, NAUPADA THANE WEST, NAUPADA, ., India Thane, MAHARASHTRA, 400602,

raw reading (for Abhijit)

{'lan': 'NHL/KLN/0926/5224736', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'HRITHIK HEMANT CHAVAN', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'NEETA HEMANT CHAVAN', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'rate_words': 'PNBRRR * 13.15% per annum\nApplicable Rate of Interest * 13:15% -3.35% = 9.80% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2900000.0, 'rate_spread': -3.35, 'final_amount': 3045000.0, 'interest_rate': 9.8, 'quality_issue': None, 'sanction_date': '30-Sep-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'hrithikchavan101@gmail.com', 'applicant_names': ['HRITHIK HEMANT CHAVAN', 'NEETA HEMANT CHAVAN'], 'printed_altered': False, 'applicant_mobile': '9324602867', 'balance_transfer': False, 'property_address': {'pin': '400602', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Thane', 'flat_no': 'FLAT NO1', 'district': 'Thane', 'floor_no': 'GROUND FLOOR', 'landmark': 'OPP SARASWATI ENGLISH SCHOOL', 'full_address': 'FLAT NO1, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India, 400602', 'village_city': 'Thane', 'building_name': 'COSMIC APARTMENT', 'survey_or_cts_no': None}, 'insurance_premium': 145000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 3045000.0, 'security_address_verbatim': 'FLAT NO1, GROUND FLOOR, GROUND FLOOR, COSMIC APARTMENT, THANE, OPP SARASWATI ENGLISH SCHOOL, Thane, OPP SARASWATI ENGLISH SCHOOL, Thane, MAHARASHTRA, India, 400602', 'applicant_address_verbatim': 'B 602 WEST VIEW SOCIETY, NAUPADA THANE WEST, NAUPADA, ., India\nThane, MAHARASHTRA, 400602,'}

PAN card Neeta Kyc.pdf needs your check

dob
1974-09-13

pan
AIRPC8634K

name
NEETA HEMANT CHAVAN

mobile
9819013884

address
pin: 400602; area: NAUPADA, THANE (WEST), BRAHMAN SOCIETY; flat: B-602; road: NEAR DR. KARVE HOSPITAL; state: Maharashtra; building: WEST VIEW SOCIETY; district: Thane; post_office: Naupada; village_city: Thane

legible
True

father name
APPSAHEB NARAYAN DIWAN

aadhaar last4
6518

raw reading (for Abhijit)

{'dob': '1974-09-13', 'pan': 'AIRPC8634K', 'name': 'NEETA HEMANT CHAVAN', 'mobile': '9819013884', 'address': {'pin': '400602', 'area': 'NAUPADA, THANE (WEST), BRAHMAN SOCIETY', 'flat': 'B-602', 'road': 'NEAR DR. KARVE HOSPITAL', 'floor': None, 'state': 'Maharashtra', 'building': 'WEST VIEW SOCIETY', 'district': 'Thane', 'post_office': 'Naupada', 'village_city': 'Thane'}, 'legible': True, 'father_name': 'APPSAHEB NARAYAN DIWAN', 'aadhaar_last4': '6518', 'quality_issue': None}

Sanction letter Sanction Letter.pdf needs your check

legible
False

quality issue
wrong document type - this is a sanction letter, not a PAN card

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'mobile': None, 'address': None, 'legible': False, 'father_name': None, 'aadhaar_last4': None, 'quality_issue': 'wrong document type - this is a sanction letter, not a PAN card'}

PAN card Neeta Kyc.pdf needs your check

dob
1974-09-13

pan
AIRPC8634K

name
NEETA HEMANT CHAVAN

mobile
9819013884

legible
True

father name
APPSAHEB NARAYAN DIWAN

aadhaar last4
6518

raw reading (for Abhijit)

{'dob': '1974-09-13', 'pan': 'AIRPC8634K', 'name': 'NEETA HEMANT CHAVAN', 'mobile': '9819013884', 'address': {'pin': '400602', 'area': 'NAUPADA, THANE (WEST), BRAHMAN SOCIETY', 'flat': 'B-602', 'road': 'NEAR DR. KARVE HOSPITAL', 'floor': None, 'state': 'Maharashtra', 'building': 'WEST VIEW SOCIETY', 'district': 'Thane', 'post_office': 'Naupada', 'village_city': 'Thane'}, 'legible': True, 'father_name': 'APPSAHEB NARAYAN DIWAN', 'aadhaar_last4': '6518', 'quality_issue': None}

PAN card Neeta Kyc.pdf needs your check

dob
1974-09-13

pan
AIRPC8634K

name
NEETA HEMANT CHAVAN

page
1

legible
True

card kind
pan

father name
APPSAHEB NARAYAN DIWAN

card of many
1

raw reading (for Abhijit)

{'dob': '1974-09-13', 'pan': 'AIRPC8634K', 'name': 'NEETA HEMANT CHAVAN', 'page': 1, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'APPSAHEB NARAYAN DIWAN', 'card_of_many': 1, 'aadhaar_last4': None, 'quality_issue': None}

PAN card Neeta Kyc.pdf needs your check

dob
1974-09-13

name
Neeta Hemant Chavan

page
2

mobile
9819013884

address
pin: 400602; area: NEAR DR. KARVE HOSPITAL, NAUPADA, THANE (WEST), BRAHMAN SOCIETY; flat: B-602; state: Maharashtra; building: WEST VIEW SOCIETY; district: Thane; post_office: Naupada; village_city: Thane

legible
True

card kind
aadhaar

card of many
2

aadhaar last4
6518

raw reading (for Abhijit)

{'dob': '1974-09-13', 'pan': None, 'name': 'Neeta Hemant Chavan', 'page': 2, 'mobile': '9819013884', 'address': {'pin': '400602', 'area': 'NEAR DR. KARVE HOSPITAL, NAUPADA, THANE (WEST), BRAHMAN SOCIETY', 'flat': 'B-602', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'WEST VIEW SOCIETY', 'district': 'Thane', 'post_office': 'Naupada', 'village_city': 'Thane'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 2, 'aadhaar_last4': '6518', 'quality_issue': None}

Paid challan (GRAS) NEETA HEMANT CHAVAN EchallanMH011653756202627E.pdf needs your check

grn
MH011653756202627E

pin
400602

total
24140.0

article
6(1)

defaced
False

bank cin
03006172026100801383

district
THANE

area city
THANE

payer pan
AIRXXXXXXK

flat block
FLAT NO 1 GROUND FLOOR COSMIC APARTMENT OPP SARASWATI ENGLISH SCHOOL CTS NO 143 1

payer name
NEETA HEMANT CHAVAN

sro office
THN5_THANE NO 5 JOINT SUB REGISTRA

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3045000

scheme rows
{'amount': 9140.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX2867

payment date
08/10/2026-19:35:58

road locality
PLOT NO 262 P TIKA NO 12 OPP SARASWATI ENGLISH SCHOOL THANE MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
3045000

raw reading (for Abhijit)

{'grn': 'MH011653756202627E', 'pin': '400602', 'total': 24140.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100801383', 'district': 'THANE', 'area_city': 'THANE', 'payer_pan': 'AIRXXXXXXK', 'flat_block': 'FLAT NO 1 GROUND FLOOR COSMIC APARTMENT OPP SARASWATI ENGLISH SCHOOL CTS NO 143 1', 'payer_name': 'NEETA HEMANT CHAVAN', 'sro_office': 'THN5_THANE NO 5 JOINT SUB REGISTRA', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3045000', 'scheme_rows': [{'amount': 9140.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX2867', 'payment_date': '08/10/2026-19:35:58', 'road_locality': 'PLOT NO 262 P TIKA NO 12 OPP SARASWATI ENGLISH SCHOOL THANE MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '3045000'}

Technical record (for Abhijit — safe to ignore)

57m ago	ezdocs:reader	reader_efiling_verdict	{'fp': '30f0dd455e3ad8d2', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is required for the filing
7h ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-13T11:39:07', 'why': 'mail', 'open': 7, 'mails': [{'at': '2026-10-08 13:46', 'id': '1a11bccb405c3c96', 'from': 'branch', 'gist': 'The branch is requesting the Moe and Noi documents for Mrs. Neet
7h ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-13T11:39:04', 'asks': ['proceed with NOI filing'], 'gist': 'The branch asks to proceed with the NOI filing.', 'next': 'Confirm with the branch whether the payer and primary applicant should be Neeta Chava
5d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-08T15:05:55', 'why': 'mail', 'open': 7, 'mails': [{'at': '2026-10-08 13:46', 'id': '1a11bccb405c3c96', 'from': 'branch', 'gist': 'The branch is requesting the Moe and Noi documents for Mrs. Neet
5d ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-08T15:05:46', 'asks': ['Hold NOI for captioned case'], 'gist': 'The branch asks to hold the NOI for this case.', 'next': 'Hold the NOI for this case as requested by the branch.', 'brought': [], 'rectified
5d ago	system:ingest	mail_instruction_understood	{'amount': None, 'phrase': None, 'reason': None, 'instructions': ['hold_case'], 'urgent_disbursement': False}
5d ago	system:learn	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed AIxxxxxxXK — no paper on the
5d ago	system:extract	document_reread	{'now': ['payment_screenshot'], 'was': ['payment_screenshot'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'payment screenshot.jpg', 'doc_id': '8d109543-20dc-4
5d ago	system:learn	reading_error456	{'box': 'Payer', 'why': 'the team typed what this paper prints; this desk typed what no paper prints — this desk read the paper wrong; read again', 'file': 'payment screenshot.jpg', 'ours': 'HRITHIK HEMANT CHAVAN', 'doc_
5d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '465660', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the
5d ago	system:quick	desk_documents_backfill	{'why': "the NOI team mailed this before the engine kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 0, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re:
5d ago	system:ingest	title_doc_on_case_filing_open	{'was': 'VENDOR', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'Index-II.pdf', 'kind': 'index2'}
5d ago	system:ingest	challan_found_on_case	{'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'NEETA HEMANT CHAVAN EchallanMH011653756202627E.pdf', 'kind':
5d ago	system:ingest	desk_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': 'NEETA HEMANT CHAVAN
5d ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'THN5_THANE NO 5 JOINT SUB REGISTRA', 'district': 'THANE'}
5d ago	system:extract	challan_verified_against_case	{'grn': 'MH011653756202627E', 'file': 'NEETA HEMANT CHAVAN EchallanMH011653756202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
5d ago	system:extract	challan_extracted	{'grn': 'MH011653756202627E', 'file': 'NEETA HEMANT CHAVAN EchallanMH011653756202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 24140.0}
5d ago	copilot:SANDEEP	copilot_edit	{'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
5d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '465625', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed THN5_
5d ago	system:extract	document_reread	{'now': ['payment_screenshot'], 'was': ['payment_screenshot'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'payment screenshot.jpg', 'doc_id': '8d109543-20dc-4
5d ago	system:learn	reading_error456	{'box': 'Payer', 'why': 'the team typed what this paper prints; this desk typed what no paper prints — this desk read the paper wrong; read again', 'file': 'payment screenshot.jpg', 'ours': 'HRITHIK HEMANT CHAVAN', 'doc_
5d ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': 'The typed values match the base paper (Sanction Letter) and the expected values.', 'issues
5d ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 15, 'issues': 0, 'case_no': 'NOI-2026-03318'}
5d ago	ops:copilot	whole_file_hold	{'why': 'EzDocs read the whole file and found two papers that disagree on something the challan would carry', 'stops': ['Applicant name mismatch between file record and branch request']}
5d ago	ops:copilot	payer_name_hold	{'why': 'the name the challan was about to carry is not the person the papers name — the money waits for a person', 'typed': 'NEETA HEMANT CHAVAN', 'papers': [{'name': 'HRITHIK HEMANT CHAVAN', 'paper': 'the sanction lett
5d ago	ops:copilot	challan_boxes_from_reading	{'why': "the property row lacked the locality / city / PIN the challan needs; a paper's reading on the case had them", 'took': ['locality from the sanction letter']}
5d ago	system:reconcile	quoted_history_checked	{}
5d ago	system:extract	challan_boxes_by_rules	{'fp': '713d16e0ac23c829', 'why': 'box 1 lost a number the case holds (01)', 'anew': 'first'}
5d ago	copilot:SANDEEP	copilot_edit	{'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
5d ago	system:reconcile	extra_challan_scanned	{'found': 0}

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

Papers

A file cannot be used

Selfie / photo — a usable one is being asked for

Money

₹25,935 received — verified

Seen in the account (credit SMS or a person's Verify).

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

Needs your eyes: Selfie / photo: copy on file cannot be used. A usable one is being asked for.

Yesterday · 13 Oct3 things

reader efiling verdict — by ezdocs:reader