⚠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-2026-03195
AKSHAY VIJAY MORE
LAN HOU/KOP/0626/5135828
Challan paid · waiting on the branch
Waiting for the Index IISend the draft 1All documentsMails & papers 6Mail 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 needs2 still to come
6 of 8 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓PAN cardopen
✓Aadhaar cardopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓Selfie / photoopen
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Index II copy / Title document — for the e-filing visit later
All files (11)A label is wrong? Fix it under All documents.
Needs your eyes
- The work is done — our fee of ₹20,910.66 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹20,910.66CASE MARK
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹20,880; we wait for the credit itself
Ask for the exact ₹20,910.66. Those paise are this case’s own mark — the credit finds its case with nothing else needed.
Stamp duty 0.3%7,160
Registration fee 0.5%11,930
Government handling320
Our service fee1,500.66
Total we ask for20,910.66
Screenshot ₹20,880 — ₹31 under our ask, not below the real calculation ₹20,880. 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 2026-07-24 — the engine cannot hear this road. Please verify manually. Verify manually ↓
This money went to the HDFC Vyapar QR on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 17:28 — 11 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
By law ₹20,900. We ask ₹20,910 (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 1 h 28 minour time · 24 Jul 17:24
Index II —not yet
the NOI team 7 d 16 hthe branch 73 d 20 htotal 81 d 12 h so far
Now with the NOI team — e-filing on IGR
since 6 Oct 13:42 — 7 d 14 h of working time
Day by day — every step and who held it
24 Jul 15:56Your branch's mail
24 Jul 17:24Challan made+1 h 28 min · the NOI team
6 Oct 13:41Papers from your branch+73 d 20 h · the branch
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:41Papers readat once
6 Oct 13:41Property readat once
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:41Papers readat once
6 Oct 13:41Papers from your branchat once
6 Oct 13:42Papers readat once
6 Oct 13:42Fee quotedat once
6 Oct 13:42Papers readat once
Case facts
Bank
PNB_HFL
Loan amount
₹23,85,000
Loan account no.
HOU/KOP/0626/5135828
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
Wait for the branch's Index II, then file the NOI
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.
The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. The engine asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.
Before opening the portal, the engine sees:
• DO NOT SAVE — Case cancelled by branch: the branch's mail of 06-Oct-2026 says The case is cancelled.. The branch sent an email explicitly stating that this case is cancelled. Filing or paying a challan for a cancelled case will result in lost funds. Stop processing immediately. Do not pay any challan or proceed with e-filing until the branch clarifies the status.
• payment NOT verified — office rule: no filing before credit
• PROPERTY NOT VERIFIED — open the case's Details & records, check the English boxes against the title document, save a correction if needed. e-filing makes this a government record.
• person 2's mobile: the case's 9579911010 came off a card — not typed; copy it from the sanction letter / KFS or the branch's mail
• 13 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road
• Build Up Area not on file — read it off the Index II / sale deed
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
CHECKCase cancelled by branch
| The branch's mail of 06-Oct-2026 | The case is cancelled. |
Why it matters: Not a question for the bank: one paper only — nothing to set against it.
What to do: Nothing to ask the bank — look once if you like.
Compared: the sanction letter; and the whole-file reading. Nothing here is typed or changed by itself.
Where this case stands — the whole trailread by EzDocs as one conversation
The bank branch has cancelled the case. The NOI team has noted the cancellation, and no further action is required.
the trail says the next move is with no one — the case is finished — The case is cancelled
read over 3 mail(s), last mail 2026-10-06 · read 7d 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). 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 7d 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 | MH007046152202627E | — | pending |
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 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
Index II pending — NOI NOI-2026-03195 | HOU/KOP/0626/5135828
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
OL
The NOI teamTYPED IN GMAIL
22 Sep, 16:15 · 21d ago THE APP JOINED HERE — earlier mails are on Gmail
22 Sep, 16:15 · 21d ago THE APP JOINED HERE — earlier mails are on Gmail
Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Sat, 22 Aug 2026 at 11:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 18:30, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
PFA
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
From: THINKBIGZ NOI < pnb.noifilling@gmail.com >
Sent: 24 July 2026 5:25 PM
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >; Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Team,
PFA challan for your reference..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 16:39, 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 an Index 2 copy
and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 15:57, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
AKSHAY VIJAY MORE
Lan No
HOU/KOP/0626/5135828
Loan Amount
2385000/-
LOAN AMOUNT
2385000/-
0.3%
7155/-
0.5%
11925/-
FEES
1800/-
TOTAL
20880/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
Kavan1
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
🤖 read: The NOI team is asking the branch to share the Index II copy for NOI filing.
3 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
03 Oct, 18:11 · 10d ago
03 Oct, 18:11 · 10d ago
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 22 Sept 2026 at 16:15, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 22 Aug 2026 at 11:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 18:30, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
PFA
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
From: THINKBIGZ NOI < pnb.noifilling@gmail.com >
Sent: 24 July 2026 5:25 PM
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >; Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Team,
PFA challan for your reference..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 16:39, 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 an Index 2 copy
and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 15:57, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
AKSHAY VIJAY MORE
Lan No
HOU/KOP/0626/5135828
Loan Amount
2385000/-
LOAN AMOUNT
2385000/-
0.3%
7155/-
0.5%
11925/-
FEES
1800/-
TOTAL
20880/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
Kavan1
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
🤖 read: The NOI team is asking the branch to share the Index II copy for NOI filing.
OL
The NOI teamTYPED IN GMAIL
06 Oct, 13:26 · 7d ago
06 Oct, 13:26 · 7d ago
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Sat, 3 Oct 2026 at 18:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 22 Sept 2026 at 16:15, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 22 Aug 2026 at 11:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 18:30, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
PFA
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
From: THINKBIGZ NOI < pnb.noifilling@gmail.com >
Sent: 24 July 2026 5:25 PM
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >; Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Team,
PFA challan for your reference..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 16:39, 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 an Index 2 copy
and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 15:57, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
AKSHAY VIJAY MORE
Lan No
HOU/KOP/0626/5135828
Loan Amount
2385000/-
LOAN AMOUNT
2385000/-
0.3%
7155/-
0.5%
11925/-
FEES
1800/-
TOTAL
20880/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
Kavan1
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
🤖 read: The NOI team is asking the branch to share the Index II copy for NOI filing.
ST
shambhavi.tandale@pnbhousing.com pnbhousing.com
06 Oct, 13:37 · 7d ago
06 Oct, 13:37 · 7d ago
Dear Team,
The case is cancelled.
Thanks & Regards,
Shambhavi Tandale
Customer Service Manager - Loans
401/402, 4th Floor, Matoshri Plaza,
Venus Corner, Shahupuri, Kolhapur 416 001
PNB Housing Finance Limited
Toll Free: 1800 120 8800
Website-
www.pnbhousing.com
From: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Sent: 06 October 2026 13:26
To: Sandeep Karade <sandeep.karade@pnbhousing.com>
Cc: Shambhavi Tandale <shambhavi.tandale@pnbhousing.com>; Nikhil Sanjay Patil <nikhil.patil@phfl.com>; Manjeet Sangat <manjeet.sangat@pnbhousing.com>; Nitin Nair <nitin.nair@pnbhousing.com>; Rahul Shripati Patil 2 <rahul.patil2@phfl.com>
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
earlier mails quoted below
On Sat, 3 Oct 2026 at 18:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 22 Sept 2026 at 16:15, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 22 Aug 2026 at 11:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 18:30, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
PFA
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
From: THINKBIGZ
NOI < pnb.noifilling@gmail.com >
Sent: 24 July 2026 5:25 PM
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >;
Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Team,
PFA challan for your reference..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 16:39, 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 an Index 2 copy and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 15:57, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
AKSHAY VIJAY MORE
Lan No
HOU/KOP/0626/5135828
Loan Amount
2385000/-
LOAN AMOUNT
2385000/-
0.3%
7155/-
0.5%
11925/-
FEES
1800/-
TOTAL
20880/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
Kavan1
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
🤖 read: note: The case is cancelled.
OL
The NOI teamTYPED IN GMAIL
06 Oct, 13:40 · 7d ago
06 Oct, 13:40 · 7d ago
Team
noted
Regards,NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 6 Oct 2026 at 13:38, Shambhavi Tandale < shambhavi.tandale@pnbhousing.com > wrote:
Dear Team,
The case is cancelled.
Thanks & Regards,
Shambhavi Tandale
Customer Service Manager - Loans
401/402, 4th Floor, Matoshri Plaza,
Venus Corner, Shahupuri, Kolhapur 416 001
PNB Housing Finance Limited
Toll Free: 1800 120 8800
Website-
www.pnbhousing.com
From: THINKBIGZ NOI < pnb.noifilling@gmail.com >
Sent: 06 October 2026 13:26
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >; Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 18:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 22 Sept 2026 at 16:15, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 22 Aug 2026 at 11:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 18:30, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
PFA
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
From: THINKBIGZ
NOI < pnb.noifilling@gmail.com >
Sent: 24 July 2026 5:25 PM
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >;
Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Team,
PFA challan for your reference..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 16:39, 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 an Index 2 copy and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 15:57, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
AKSHAY VIJAY MORE
Lan No
HOU/KOP/0626/5135828
Loan Amount
2385000/-
LOAN AMOUNT
2385000/-
0.3%
7155/-
0.5%
11925/-
FEES
1800/-
TOTAL
20880/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
Kavan1
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
🤖 read: The NOI team acknowledges receipt of a previous communication.
OL
The NOI teamTYPED IN GMAIL
06 Oct, 13:40 · 7d ago
06 Oct, 13:40 · 7d ago
Team
Noted.
Regards,NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 6 Oct 2026 at 13:38, Shambhavi Tandale < shambhavi.tandale@pnbhousing.com > wrote:
Dear Team,
The case is cancelled.
Thanks & Regards,
Shambhavi Tandale
Customer Service Manager - Loans
401/402, 4th Floor, Matoshri Plaza,
Venus Corner, Shahupuri, Kolhapur 416 001
PNB Housing Finance Limited
Toll Free: 1800 120 8800
Website-
www.pnbhousing.com
From: THINKBIGZ NOI < pnb.noifilling@gmail.com >
Sent: 06 October 2026 13:26
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >; Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 18:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 22 Sept 2026 at 16:15, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 22 Aug 2026 at 11:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Dear team,
Please share the copy of index 2 for NOI filing
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 18:30, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
PFA
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
From: THINKBIGZ
NOI < pnb.noifilling@gmail.com >
Sent: 24 July 2026 5:25 PM
To: Sandeep Karade < sandeep.karade@pnbhousing.com >
Cc: Shambhavi Tandale < shambhavi.tandale@pnbhousing.com >; Nikhil Sanjay Patil < nikhil.patil@phfl.com >; Manjeet Sangat < manjeet.sangat@pnbhousing.com >;
Nitin Nair < nitin.nair@pnbhousing.com >; Rahul Shripati Patil 2 < rahul.patil2@phfl.com >
Subject: Re: KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5 AKSHAY VIJAY MORE HOU/KOP/0626/5135828
Exercise Secured by Check Point
Team,
PFA challan for your reference..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 16:39, 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 an Index 2 copy and a colour live selfie photo of the applicants..
Regards,
NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 24 Jul 2026 at 15:57, Sandeep Karade < sandeep.karade@pnbhousing.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
AKSHAY VIJAY MORE
Lan No
HOU/KOP/0626/5135828
Loan Amount
2385000/-
LOAN AMOUNT
2385000/-
0.3%
7155/-
0.5%
11925/-
FEES
1800/-
TOTAL
20880/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
Kavan1
Thanks and Regards
Sandeep Karade
ASM
Kolhapur
Mobile: 9552754500
Toll free : 1800 120 8800
Internal
🤖 read: The NOI team acknowledges the branch's previous communication.
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 |
|---|---|---|---|
| PAN card | Nilam - pan.pdf | filed | 7d ago |
| Aadhaar card | Nilam - Adhar.pdf | filed | 7d ago |
| PAN card | Akshay - Pan.pdf | filed | 7d ago |
| Aadhaar card | Akshay - Adhar.pdf | filed | 7d ago |
| Payment screenshot | NOI Payment More.jpg | filed | 7d ago |
| Sanction letter | Sanction letter (55).pdf | filed | 7d ago |
| Paid challan (GRAS) | AKSHAY VIJAY MORE EchallanMH007046152202627E.pdf | filed | 7d ago |
| Selfie / photo | IMG-20260724-WA0106.jpg | CANNOT BE READ — clear copy asked | 7d ago |
| Selfie / photo | IMG-20260724-WA0105.jpg | filed | 7d ago |
| Other | image004.jpg | filed | 7d ago |
| Other | image003.jpg | filed | 7d 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
₹20,910.66
₹20,910.66
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
₹20,880 620569433792
₹20,880 620569433792
Screenshot ₹20,880 — ₹31 under our ask, not below the real calculation ₹20,880. 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 2026-07-24 — the engine 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 |
|---|---|---|---|---|
| ₹7,160 | ₹11,930 | ₹320 | ₹1,500 | ₹20,910 |
By law ₹20,900. We ask ₹20,910 (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)
40 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Flat / shop no, Area, Area unit (Sq.mt. / Sq.ft.), Title deed held by the bank (Agreement to Sale / Sale Deed …), Title deed no / year / SRO
15 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, derived, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …
✓ EzDocs checked every box against the document’s own words 7d ago — all agree.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
Sanction letter (55).pdf
as printed
RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION, MOUJE KANDALGAON, KOLHAPUR, KOLHAPUR, MAHARASHTRA, INDIA, 416012
RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION, MOUJE KANDALGAON, KOLHAPUR, KOLHAPUR, MAHARASHTRA, INDIA, 416012
PIN
416012
416012
THE CHALLAN, as it will be typed
Flat/Survey Number
ROW HOUSE UNIT NO A GROUND AND FIRST FLOOR RS NO 211/10/PART PLOT NO 5
ROW HOUSE UNIT NO A GROUND AND FIRST FLOOR RS NO 211/10/PART PLOT NO 5
Locality/Road
INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION MOUJE KANDALGAON TAL KOLHAPUR DIST KOLHAPUR
INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION MOUJE KANDALGAON TAL KOLHAPUR DIST KOLHAPUR
Area/City
KOLHAPUR
check or correct a box, the papers beside it →KOLHAPUR
Every paper prints the same words as the base paper.
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 | AKSHAY VIJAY MORE | GPOPM7876H | …9997 |
| co_mortgagor | NILAM VIJAY MORE | GQUPM2687F | …6163 |
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 | shambhavi.tandale@pnbhousing.com | 7d ago |
| Index II chase | shambhavi.tandale@pnbhousing.com | 4d ago |
| Index II chase | shambhavi.tandale@pnbhousing.com | 1d ago |
What the engine read from each document — check anything marked in red
PAN card Nilam - pan.pdf needs your check
dob
1978-12-01
1978-12-01
pan
GQUPM2687F
GQUPM2687F
name
NILAM VIJAY MORE
NILAM VIJAY MORE
legible
True
True
father name
DINKAR GANPATI PANKHARE
DINKAR GANPATI PANKHARE
raw reading (for Abhijit)
{'dob': '1978-12-01', 'pan': 'GQUPM2687F', 'name': 'NILAM VIJAY MORE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DINKAR GANPATI PANKHARE', 'aadhaar_last4': None, 'quality_issue': None}Aadhaar card Nilam - Adhar.pdf needs your check
dob
1978-12-01
1978-12-01
name
Nilam Vijay More
Nilam Vijay More
mobile
9579911010
9579911010
address
pin: 416006; area: KASABA BAVADA; flat: 577 E; road: HANUMAN GALLI; state: Maharashtra; district: Kolhapur; village_city: Kolhapur
pin: 416006; area: KASABA BAVADA; flat: 577 E; road: HANUMAN GALLI; state: Maharashtra; district: Kolhapur; village_city: Kolhapur
legible
True
True
aadhaar last4
6163
6163
raw reading (for Abhijit)
{'dob': '1978-12-01', 'pan': None, 'name': 'Nilam Vijay More', 'mobile': '9579911010', 'address': {'pin': '416006', 'area': 'KASABA BAVADA', 'flat': '577 E', 'road': 'HANUMAN GALLI', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Kolhapur', 'post_office': None, 'village_city': 'Kolhapur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '6163', 'quality_issue': None}PAN card Akshay - Pan.pdf needs your check
dob
1997-08-07
1997-08-07
pan
GPOPM7876H
GPOPM7876H
name
AKSHAY VIJAY MORE
AKSHAY VIJAY MORE
legible
True
True
raw reading (for Abhijit)
{'dob': '1997-08-07', 'pan': 'GPOPM7876H', 'name': 'AKSHAY VIJAY MORE', 'mobile': None, 'address': None, 'legible': True, 'father_name': None, 'aadhaar_last4': None, 'quality_issue': None}Aadhaar card Akshay - Adhar.pdf needs your check
dob
1997-08-07
1997-08-07
name
Akshay Vijay More
Akshay Vijay More
mobile
9096813333
9096813333
address
pin: 416006; flat: 577; road: HANUMAN GALLI; state: Maharashtra; district: Kolhapur; village_city: KASBA BAVDA
pin: 416006; flat: 577; road: HANUMAN GALLI; state: Maharashtra; district: Kolhapur; village_city: KASBA BAVDA
legible
True
True
aadhaar last4
9997
9997
raw reading (for Abhijit)
{'dob': '1997-08-07', 'pan': None, 'name': 'Akshay Vijay More', 'mobile': '9096813333', 'address': {'pin': '416006', 'area': None, 'flat': '577', 'road': 'HANUMAN GALLI', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Kolhapur', 'post_office': None, 'village_city': 'KASBA BAVDA'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '9997', 'quality_issue': None}Payment screenshot NOI Payment More.jpg needs your check
utr
620569433792
620569433792
date
2026-07-24
2026-07-24
time
15:39
15:39
amount
20880
20880
method
Google Pay
Google Pay
payee upi
vyapar.169705262080@hdfcbank
vyapar.169705262080@hdfcbank
payer upi
akshaymore3680@okaxis
akshaymore3680@okaxis
payee name
THINK BIGZ INITIATIVE PVT LTD
THINK BIGZ INITIATIVE PVT LTD
payer name
AKSHAY V MORE
AKSHAY V MORE
raw reading (for Abhijit)
{'utr': '620569433792', 'date': '2026-07-24', 'time': '15:39', 'amount': 20880, 'method': 'Google Pay', 'payee_upi': 'vyapar.169705262080@hdfcbank', 'payer_upi': 'akshaymore3680@okaxis', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'AKSHAY V MORE', 'debit_notification_text': None}Sanction letter Sanction letter (55).pdf needs your check
lan
HOU/KOP/0626/5135828
HOU/KOP/0626/5135828
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'AKSHAY VIJAY MORE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'NILAM VIJAY MORE', 'role': 'co_applicant', 'label': 'Applicant'}
{'name': 'AKSHAY VIJAY MORE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'NILAM VIJAY MORE', 'role': 'co_applicant', 'label': 'Applicant'}
loan type
Housing Loan
Housing Loan
confidence
1
1
rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -2.15% = 11.00% per annum as on the date of execution of the loan agreement
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -2.15% = 11.00% per annum as on the date of execution of the loan agreement
loan amount
2300000
2300000
rate spread
-2.15
-2.15
final amount
2385000
2385000
interest rate
11
11
sanction date
22-Jul-2026
22-Jul-2026
letter version
5
5
reference rate
13.15
13.15
applicant email
akshaymore3680@gmail.com
akshaymore3680@gmail.com
applicant names
AKSHAY VIJAY MORE, NILAM VIJAY MORE
AKSHAY VIJAY MORE, NILAM VIJAY MORE
printed altered
False
False
applicant mobile
9096813333
9096813333
balance transfer
False
False
property address
pin: 416012; state: MAHARASHTRA; taluka: Kolhapur; district: Kolhapur; floor_no: GROUND AND FIRST FLOOR; full_address: RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION,
pin: 416012; state: MAHARASHTRA; taluka: Kolhapur; district: Kolhapur; floor_no: GROUND AND FIRST FLOOR; full_address: RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION,
insurance premium
85000
85000
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
2385000
2385000
security address verbatim
RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION, MOUJE KANDALGAON, Kolhapur, Kolhapur, MAHARASHTRA, India, 416012
RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION, MOUJE KANDALGAON, Kolhapur, Kolhapur, MAHARASHTRA, India, 416012
applicant address verbatim
RS NO 2031 FLAT NO T 1 3RD FLOOR DHARMA HEIGHT, SHINDE GALLI CORNER, DATTA MANDIR ROAD KASABA BAWADA, KARVIR KOLHAPUR, Kolhapur, MAHARASHTRA, 416006, Kolhapur, India
RS NO 2031 FLAT NO T 1 3RD FLOOR DHARMA HEIGHT, SHINDE GALLI CORNER, DATTA MANDIR ROAD KASABA BAWADA, KARVIR KOLHAPUR, Kolhapur, MAHARASHTRA, 416006, Kolhapur, India
raw reading (for Abhijit)
{'lan': 'HOU/KOP/0626/5135828', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'AKSHAY VIJAY MORE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'NILAM VIJAY MORE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan', 'confidence': 1, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -2.15% = 11.00% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2300000, 'rate_spread': -2.15, 'final_amount': 2385000, 'interest_rate': 11, 'quality_issue': None, 'sanction_date': '22-Jul-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'akshaymore3680@gmail.com', 'applicant_names': ['AKSHAY VIJAY MORE', 'NILAM VIJAY MORE'], 'printed_altered': False, 'applicant_mobile': '9096813333', 'balance_transfer': False, 'property_address': {'pin': '416012', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Kolhapur', 'flat_no': None, 'district': 'Kolhapur', 'floor_no': 'GROUND AND FIRST FLOOR', 'landmark': None, 'full_address': 'RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION, MOUJE KANDALGAON, Kolhapur, Kolhapur, MAHARASHTRA, India, 416012', 'village_city': 'KANDALGAON', 'building_name': 'ROW HOUSE UNIT NO A', 'survey_or_cts_no': 'RS NO 211/10/PART, PLOT NO 5'}, 'insurance_premium': 85000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 2385000, 'security_address_verbatim': 'RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC CONSTRUCTION, MOUJE KANDALGAON, Kolhapur, Kolhapur, MAHARASHTRA, India, 416012', 'applicant_address_verbatim': 'RS NO 2031 FLAT NO T 1 3RD FLOOR DHARMA HEIGHT, SHINDE GALLI CORNER, DATTA MANDIR ROAD KASABA BAWADA, KARVIR KOLHAPUR, Kolhapur, MAHARASHTRA, 416006, Kolhapur, India'}Paid challan (GRAS) AKSHAY VIJAY MORE EchallanMH007046152202627E.pdf needs your check
grn
MH007046152202627E
MH007046152202627E
pin
416012
416012
total
19090.0
19090.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026072401744
03006172026072401744
district
KOLHAPUR
KOLHAPUR
area city
KOLHAPUR
KOLHAPUR
payer pan
GPOXXXXXXH
GPOXXXXXXH
flat block
RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC
RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC
payer name
AKSHAY VIJAY MORE
AKSHAY VIJAY MORE
sro office
KRV1_SUB REGISTRAR KARVEER1
KRV1_SUB REGISTRAR KARVEER1
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2385000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2385000
scheme rows
{'amount': 7160.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11930.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 7160.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11930.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX3333
XXXXXX3333
payment date
24/07/2026-17:24:07
24/07/2026-17:24:07
road locality
CONSTRUCTION, MOUJE KANDALGAON, KOLHAPUR, MAHARASHTRA
CONSTRUCTION, MOUJE KANDALGAON, KOLHAPUR, MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
2385000
2385000
raw reading (for Abhijit)
{'grn': 'MH007046152202627E', 'pin': '416012', 'total': 19090.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026072401744', 'district': 'KOLHAPUR', 'area_city': 'KOLHAPUR', 'payer_pan': 'GPOXXXXXXH', 'flat_block': 'RS NO 211/10/PART, PLOT NO 5, ROW HOUSE UNIT NO A, INCLUDING GROUND AND FIRST FLOOR RCC', 'payer_name': 'AKSHAY VIJAY MORE', 'sro_office': 'KRV1_SUB REGISTRAR KARVEER1', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2385000', 'scheme_rows': [{'amount': 7160.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11930.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3333', 'payment_date': '24/07/2026-17:24:07', 'road_locality': 'CONSTRUCTION, MOUJE KANDALGAON, KOLHAPUR, MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2385000'}Selfie / photo IMG-20260724-WA0106.jpg needs your check
kind
group_or_other
group_or_other
legible
False
False
confidence
0.9
0.9
face visible
True
True
quality issue
this is not a live selfie
this is not a live selfie
raw reading (for Abhijit)
{'kind': 'group_or_other', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is not a live selfie'}Selfie / photo IMG-20260724-WA0105.jpg needs your check
kind
live_selfie
live_selfie
legible
True
True
confidence
0.9
0.9
face visible
True
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}Other image004.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Other image003.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Payment screenshot NOI Payment More.jpg needs your check
payments inside
payments: [{'utr': '620569433792', 'date': '2026-07-24', 'page': 1, 'time': '15:39', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 20880.0, 'direction': 'credit', 'narration': 'To: THINK BIGZ INITIATIVE PVT LTD vya
payments: [{'utr': '620569433792', 'date': '2026-07-24', 'page': 1, 'time': '15:39', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 20880.0, 'direction': 'credit', 'narration': 'To: THINK BIGZ INITIATIVE PVT LTD vya
raw reading (for Abhijit)
{'payments_inside': {'payments': [{'utr': '620569433792', 'date': '2026-07-24', 'page': 1, 'time': '15:39', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 20880.0, 'direction': 'credit', 'narration': 'To: THINK BIGZ INITIATIVE PVT LTD vyapar.169705262080@hdfcbank From: AKSHAY V MORE (Punjab and Sind Bank) Google Pay akshaymore3680@okaxis Google transaction ID CICAgLj0r5bjGg', 'proof_kind': 'success_screen'}]}}Other image003.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Other image004.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Technical record (for Abhijit — safe to ignore)
| 1d ago | system:emails | email_shadowed:index2_chase | {'to': 'shambhavi.tandale@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/KOP/0626/5135828) is paid and the case is ready for NOI e-filing. The only thing pending from your end i |
| 1d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 4d ago | system:emails | email_shadowed:index2_chase | {'to': 'shambhavi.tandale@pnbhousing.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/KOP/0626/5135828) is paid and the case is ready for NOI e-filing. The only thing pending from your end i |
| 7d ago | system:reconcile | challan_boxes_gathered | {'why': "the challan's boxes (locality, city, PIN) were empty on the case while a paper on it carries them — EzDocs was asked for exactly those; a person checks them on the verification page", 'filled': ['road', 'landmar |
| 7d ago | system:extract | boxes_gathered | {'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['Sanction letter (55).pdf', 'Nilam - Adhar.pdf', 'Akshay - Adhar.pdf', 'Nilam - pan.pdf', 'Akshay - Pan.pdf'], 'after': {'addresses': |
| 7d ago | system:extract | address_compared | {'sig': '97da567b7219d0a9', 'why': 'after gather', 'people': [{'home': '577, 5th, HANUMAN GALLI, HANUMAN GALLI, KASBA BAVDA, KASBA BAVDA, Kolhapur, 416006', 'person': 'AKSHAY VIJAY MORE', 'against': [{'src': 'sanction_le |
| 7d ago | system:extract | challan_boxes_composed | {'fp': '8e18442209f1ac69', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'first', 'box1': 'ROW HOUSE UNIT NO A GROUND AND F |
| 7d ago | system:reconcile | extra_challan_scanned | {'found': 0} |
| 7d ago | system:payments | hidden_payment_scan | {'file': 'image004.jpg', 'kind': None, 'found': 0, 'doc_id': 'dd33a0a2-d41f-4b97-8799-372fdacb99ee', 'fetched': True} |
| 7d ago | system:payments | hidden_payment_scan | {'file': 'image003.jpg', 'kind': None, 'found': 0, 'doc_id': '34f30d8b-f4e1-4a12-b2e7-cd7b7a040031', 'fetched': True} |
| 7d ago | system:extract | property_self_check | {'ok': True, 'why': "EzDocs judged every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 10, 'trigger': 'quick sweep'} |
| 7d 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 GPxxxxxxXH — no paper on the |
| 7d ago | system:payments | hidden_payment_scan | {'file': 'NOI Payment More.jpg', 'kind': None, 'found': 0, 'doc_id': '110bd361-c002-4719-8c90-6e05f2e27193', 'fetched': True} |
| 7d ago | ezdocs:reader | reader_home_address | {'fp': '3ae34a01c6e5af11', 'from': 'the sanction letter (Sanction letter (55).pdf)', 'home': {'pin': '416006', 'area': 'SHINDE GALLI CORNER, KASABA BAWADA', 'flat': 'T 1', 'road': 'DATTA MANDIR ROAD', 'floor': '3RD FLOOR |
| 7d ago | system:filenote | file_note490 | {'v': '1', 'at': '2026-10-06T08:13:05', 'why': 'reading', 'open': 13, 'mails': [{'at': '2026-10-06 08:07', 'id': '1a110419c81dcc48', 'from': 'branch', 'gist': 'The branch says the case is cancelled.', 'subject': 'RE: KIN |
| 7d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': '79e91f0d37db341a', 'docs': ['Sanction letter (55).pdf', 'Nilam - Adhar.pdf', 'Akshay - Adhar.pdf', 'Nilam - pan.pdf', 'Akshay - Pan.pdf'], 'loan': {'amount': 2385000, 'made_of': [{'what': 'sanction |
| 7d ago | system:ingest | thread_docs_swept | {'why': 'this case had no papers at all — its own threads were read for the attachments nobody had pulled yet', 'error': None, 'stored': 11, 'why_not': None, 'messages': 10} |
| 7d ago | system:ingest | thread_documents_backfilled | {'why': None, 'stored': 11, 'mailbox': 'pnb.noifilling@gmail.com', 'skipped': 0, 'messages': 10, 'unreadable_threads': 0} |
| 7d ago | system:ingest | challan_found_on_case | {'was': 'AWAITING_DOCS', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'AKSHAY VIJAY MORE EchallanMH007046152202627E.pdf', 'kind': 'pai |
| 7d ago | system:emails | draft_withdrawn | {'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ['Dear Team,\n\nWith reference to the captioned case (LAN: HOU/KOP/0626/5135 |
| 7d ago | system:payments | claim_inside_desk_buffer | {'gap': 30.66, 'why': "the branch paid the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; counted as paid in full — nothing to ask for (th |
| 7d ago | system:payments | expectation_recorded_silently | {'why': 'the thread already holds a challan — no quote mail, but the figure is needed to judge the payment', 'note': 'no mail was written — this is only the figure every screenshot and credit SMS is judged against', 'exp |
| 7d ago | system:ingest | document_received | {'file': 'image003.jpg', 'doc_type': 'other', 'confidence': 1.0} |
| 7d ago | system:payments | claim_applied_on_quote | {'utr': '620569433792', 'parts': 1, 'claimed_total': 20880.0} |
| 7d ago | system:payments | receivable_created | {'expected': 20910.66} |
| 7d ago | system:ingest | document_received | {'file': 'image004.jpg', 'doc_type': 'other', 'confidence': 0.5} |
| 7d ago | system:extract | selfie_accepted | {'kind': 'live_selfie', 'doc_id': '753058a1-e114-4982-b681-6b69bc61caea', 'confidence': 0.9} |
| 7d ago | system:ingest | document_received | {'file': 'IMG-20260724-WA0105.jpg', 'doc_type': 'selfie', 'confidence': 1.0} |
| 7d ago | system:extract | document_unreadable | {'reason': 'this is not a live selfie', 'doc_type': 'selfie'} |
| 7d ago | system:ingest | document_received | {'file': 'IMG-20260724-WA0106.jpg', 'doc_type': 'selfie', 'confidence': 1.0} |
Case diary the case’s history — what happened, newest day first
Papers
Challan papers in; e-filing papers pending
For the visit later: Index II copy / Title document
Money
₹20,880 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
Needs your eyes: The work is done — our fee of ₹20,910.66 is still not in our account. Chase the branch for it.
12 Oct2 things
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03195 | HOU/KOP/0626/5135828
An old draft withdrew itself — its asks were already answered
9 Oct1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03195 | HOU/KOP/0626/5135828
6 Oct50 things — 11 documents received · 2 letters written · 1 money step · 1 caution · 35 steps
challan boxes gathered
boxes gathered
address compared
challan boxes composed
extra challan scanned
property self check
The home address was read off the papers — by ezdocs:reader
file note490
case read — by ezdocs:reader
thread docs swept
Documents the branch had sent were fetched from the mail thread
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
An old draft withdrew itself — its asks were already answered
claim inside desk buffer
The bill was worked out from the loan amount (no mail)
Every screenshot and credit SMS is judged against this figure.
Received: other
image003.jpg
The payment proof already on the case was applied
Received: other
image004.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
IMG-20260724-WA0105.jpg
Document could not be read — a clear copy was asked for
this is not a live selfie
Received: Selfie — not usable
IMG-20260724-WA0106.jpg — this is not a live selfie
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
money settled — by ezdocs:reader
Received: Challan
AKSHAY VIJAY MORE EchallanMH007046152202627E.pdf
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
roles from letter
Received: Sanction letter
Sanction letter (55).pdf
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
NOI Payment More.jpg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Received: Aadhaar
Akshay - Adhar.pdf
Co-applicant added
Received: PAN card
Akshay - Pan.pdf
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Received: Aadhaar
Nilam - Adhar.pdf
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03195
Received: PAN card
Nilam - pan.pdf
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
old thread stored only
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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