Cases / NOI-2026-03472

Vishal Pandurang Hedau

LAN 77000362063 Challan paid · waiting on the branch Waiting for the Index II All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needsall in

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

✓Selfie / photoopen

✓Payment screenshot — shows ₹18,050; money not verified yetopen

✓PAN cardopen

✓Aadhaar cardopen

✓Technical reportopen

✓LSR (search report)open

✓Sanction letteropen

✓Paid challan (GRAS)open

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

All files (10)A label is wrong? Fix it under All documents.

For you to check

Money received is short — ₹16,070.47 still to come.
The receipt says ₹18,050 but ₹16,050 of it has not reached us. Look for a ₹16,050 credit — Money card, link by hand.
₹18,050 is counted on NOI-2026-03574, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
₹16,050 is counted on NOI-2026-03462, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
Bank left a fee row blank — see Facts.
The work is done — our fee of ₹18,070.47 is still not in our account. Chase the branch for it.

MoneyLess money came

₹2,000of ₹18,070.47CASE MARK

₹16,070.47 of our ask has not arrived yet.

₹2,000 receivedthe receipt's amount and minute agree

The branch sent 2 receipts — 1 of 2 have reached our account:

✓₹2,000seen in our account · 13 Oct 17:04 · by its UTR8950772631

₹16,050not seen in our account yet2332354913

The branch's receipt says ₹18,050 — ₹16,050 of it has not reached us yet. Look for a ₹16,050 credit.

A ₹16,050 credit (15:10) is already counted on NOI-2026-03587. If it is this case's money, release it there first.

Ask for the exact ₹18,070.47. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%6,010

Registration fee 0.5%10,010

Government handling350

Our service fee1,700.47

Total we ask for18,070.47

Screenshot ₹18,050 — ₹20 under our ask, not below the real calculation ₹18,000. Counts as full. Nothing to ask.

why?

The branch paid the bank's own written total. 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 2026-10-13 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓

paid 13 Oct 17:04:32

How we know

Our own bank told us — 13 Oct 17:04

₹2,000 · UTR 298950772631 · from BP-HDFCBN-S

“Successful! You have received Rs. 2000.00 via HDFC Bank SmartHub Vyapar from Vishal Pan. RRN-298950772631, Check: https://1.hdfc.bank.in/HDFCBK/s/9q0JvROX”

Matched by: the screenshot's amount AND its minute agree with this credit

By law ₹18,050. We ask ₹18,070 (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.

Bank's table ₹18,050 — accept as full (₹20.47 = our margin).

BANK LEFT A FEE ROW BLANK

Bank table ₹18,050. Case needs ₹18,070. SHORT by ₹20. Do NOT accept ₹18,050 — ask the branch for ₹18,070.

why?

The branch's mail adds up wrong: its rows come to Rs.8,050 against a stated total of Rs.18,050. Collect Rs.18,050.

the branch's own words

The branch's mail said: filing fee (0.50%): bank says Rs.0, computed Rs.10,000 (difference Rs.-10,000); the bank's own rows sum to Rs.8,050 but its total says Rs.18,050

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 under a minuteour time (made after working hours) · 13 Oct 17:23

Index II —not yet

the NOI team 2 d 1 htotal 2 d 1 h so far

Now with the NOI team — e-filing on IGR

since 13 Oct 17:24 — 2 d 1 h of working time

Day by day — every step and who held it

13 Oct 17:23Your branch's mail

13 Oct 17:23Payment landedat once

13 Oct 17:23Challan madeat once

13 Oct 17:24Papers read+1 min · the NOI team

13 Oct 17:24Fee quotedat once

13 Oct 17:24Papers readat once

13 Oct 17:24Property readat once

13 Oct 17:24Ready for the challan+1 min · the NOI team

Case facts

Bank

ICICI_HFC

Loan amount

₹20,00,000

Loan account no.

77000362063

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. EzDocs 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, EzDocs sees:

• Mortgagor pages: LATABAI PANDURANG HEDAU is named on the sanction letter (KFSLetter_77000362063 (1).pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

• payment NOT verified — office rule: no filing before credit

• LATABAI PANDURANG HEDAU: PAN missing — no PAN card of LATABAI PANDURANG HEDAU is read on the file — the PAN cards on it (VISHAL PANDURANG HEDAU, Pan card-1 (6).pdf) are beside the form; type the PAN off the person's own card

• LATABAI PANDURANG HEDAU: birth date missing — no PAN card of LATABAI PANDURANG HEDAU is read on the file — the PAN cards on it (VISHAL PANDURANG HEDAU, Pan card-1 (6).pdf) are beside the form; type the birth date off the person's own card

• 19 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: district, taluka, village, Hadd type, Hadd name, road

• changed — local body name: the case held GRAM PANCHAYAT; filled GRAM PANCHAYAT BELTARODI — EzDocs (reading the whole file), from the technical report property address, reads it so

New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.

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

Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail

1Pay the challan on GRAS, then upload it hereDONE

Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.

✓ EzDocs checked every box against the document’s own words 2d 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	MH011934780202627E	—	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 EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.

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

The conversation, word for word — attachments open on click. Mail thread, oldest first.

This is the case's own Gmail thread, oldest first — the first mail is how the case began, and every later mail lands here the moment it arrives. Search on the Cases page finds any words written below.

📑 Open mails & papers — each mail beside its papers, ← → the next paper

KU kishor.umate@icicihfc.com icicihfc.com
13 Oct, 17:23 · 2d ago THE FIRST MAIL — how this case began

Appl id – 77000362063 -APPLICANT NAME -Vishal Pandurang Hedau | PROCESS CHALLAN OF 0.3 & 0.5%

📎 vishal photo.pdf ↗📎 pay.pdf ↗📎 Pan card-1 (6).pdf ↗📎 vishal adhar(1).pdf ↗📎 technical.pdf ↗📎 LEGAL-10340567 (1).pdf ↗📎 image.png ↗📎 KFSLetter_77000362063 (1).pdf ↗📎 image.png ↗

Dear Team,

Kindly process for 0.3 and 0.5 challan in caption case.

Customer nameVishal Pandurang Hedau

Loan account (LAN)77000362063

Loan amount₹20,00,000

Stamp duty 0.30%₹6,000

Registration fee 0.50%₹10,000

DHC₹350

Total₹18,050

✓ SANCTION LETTER — attached
✓ APPLICANT/S AADHAR CARD — attached
✓ APPLICANT/S PAN CARD — attached
✓ IINDEX II COPY | LSR | SALE DEED — attached
✓ APPLICANT SELFIE — attached
✓ PAYMENT SCREENSHOT WITH UTR — attached

Appl id – 77000362063 -APPLICANT NAME -Vishal Pandurang Hedau | PROCESS CHALLAN OF 0.3 & 0.5%

CASE INITIATION (COPY AND PASTE IN EMAIL BODY)

CASE INITIATION BRANCH NAME

Dharampeth nagpur

CASE TYPE (PLS MENTION IT )

Builder (MHADA) Purchase

NOI SERIVCE FEE1700

SRO No

NAGPUR

[cid:7cb3aa02-41ba-4658-9adf-d47c5f7ce664]

Regards,
Kishor Umate
SRM-Synergy,Nagpur
[cid:8afe2a01-6a02-4966-8d17-7dbf64be41d1]

🤖 read: asks for the challan; says the fee is paid ₹18,050 ✓; documents attached — “Kindly process for 0.3 and 0.5 challan in caption case.”

OL The NOI teamTYPED IN GMAIL
13 Oct, 17:34 · 2d ago

Team,

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

initiate the challan for the same. For noi filing we need index 2 copy.

Aradhana Rai

NOI Coordinator | One Legal

+91 8888706969

earlier mails quoted below

On Tue, 13 Oct 2026 at 17:23, Kishor Umate / /ICICIHFC/NPR <
kishor.umate@icicihfc.com> wrote:

Dear Team,

Kindly process for 0.3 and 0.5 challan in caption case.

Appl id – 77000362063 -APPLICANT NAME -Vishal Pandurang Hedau | PROCESS
CHALLAN OF 0.3 & 0.5%
*CASE INITIATION (COPY AND PASTE IN EMAIL BODY)*

*APPLICANT NAME*
*Vishal Pandurang Hedau*

*LAN NO*
*77000362063*

*CASE INITIATION BRANCH NAME*
*Dharampeth nagpur*

*CASE TYPE (PLS MENTION IT)*
*Builder (MHADA) Purchase*

*LOAN AMOUNT WITH INSURANCE*
*2000000*

*0.30%*
*6000*

*0.50%*
*10000*

*NOI SERIVCE FEE*
*1700*

*DHC*
*350*

*TOTAL AMOUNT PAYABLE*
*18,050*

**SANCTION LETTER*
*ATTACHED*

**APPLICANT/S AADHAR CARD*
*ATTACHED*

**APPLICANT/S PAN CARD*
*ATTACHED*

**IINDEX II COPY | LSR | SALE DEED*
*ATTACHED*

**APPLICANT SELFIE*
*ATTACHED*

**PAYMENT SCREENSHOT WITH UTR*
*ATTACHED*

*SRO No*
*NAGPUR*

*Regards,*
*Kishor Umate*
*SRM-Synergy,Nagpur*

🤖 read: asks the branch for documents, the payment, a clarification — “We acknowledge the receipt of your mail documents and payment .”

OL The NOI teamTYPED IN GMAIL
13 Oct, 17:38 · 2d ago

📎 VISHAL PANDURANG HEDAU EchallanMH011934780 ↗

Team,

Please find the challan attached for your reference.

Aradhana Rai

NOI Coordinator | One Legal +91 8888706969

earlier mails quoted below

On Tue, 13 Oct 2026 at 17:34, NOI ICICIHFC < icicihfcnoi@ezdocs.co.in > 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 index 2 copy.

Aradhana Rai
NOI Coordinator | One Legal +91 8888706969

On Tue, 13 Oct 2026 at 17:23, Kishor Umate / /ICICIHFC/NPR < kishor.umate@icicihfc.com > wrote:

Dear Team,

Kindly process for 0.3 and 0.5 challan in caption case.

Appl id – 77000362063 -APPLICANT NAME -Vishal Pandurang Hedau | PROCESS CHALLAN OF 0.3 & 0.5%

CASE INITIATION (COPY AND PASTE IN EMAIL BODY)

APPLICANT NAME

Vishal Pandurang Hedau

LAN NO

77000362063

CASE INITIATION BRANCH NAME

Dharampeth nagpur

CASE TYPE (PLS MENTION IT)

Builder (MHADA) Purchase

LOAN AMOUNT WITH INSURANCE

2000000

0.30%

6000

0.50%

10000

NOI SERIVCE FEE

1700

DHC

350

TOTAL AMOUNT PAYABLE

18,050

*SANCTION LETTER

ATTACHED

*APPLICANT/S AADHAR CARD

ATTACHED

*APPLICANT/S PAN CARD

ATTACHED

*IINDEX II COPY | LSR | SALE DEED

ATTACHED

*APPLICANT SELFIE

ATTACHED

*PAYMENT SCREENSHOT WITH UTR

ATTACHED

SRO No

NAGPUR

Regards,

Kishor Umate

SRM-Synergy,Nagpur

🤖 read: challan shared ✓ — “Please find the challan attached for your reference.”

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

Document	File — click to open	Status	When
Selfie / photo	vishal photo.pdf	filed	2d ago
Payment screenshot	pay.pdf	filed	2d ago
PAN card	Pan card-1 (6).pdf	filed	2d ago
Aadhaar card	vishal adhar(1).pdf	filed	2d ago
Technical report	technical.pdf	filed	2d ago
LSR (search report)	LEGAL-10340567 (1).pdf	filed	2d ago
Other	image.png	filed	2d ago
Sanction letter	KFSLetter_77000362063 (1).pdf	filed	2d ago
Other	image.png	filed	2d ago
Paid challan (GRAS)	VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf	filed	2d 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
₹18,070.47

Where it stands
SHORT — less arrived than needed

Screenshot claims
₹18,050 242332354913,298950772631

Screenshot ₹18,050 — ₹20 under our ask, not below the real calculation ₹18,000. Counts as full. Nothing to ask.

why?

This payment is from the Vyapar QR (HDFC) at 2026-10-13 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓

Paid at
13 Oct 17:04:32

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹6,010	₹10,010	₹350	₹1,700	₹18,070

By law ₹18,050. We ask ₹18,070 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Floor (person 1)

20 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: District, 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 2d ago — all agree.

CHECKED by EzDocs, from the technical report — correct any box that is off; a correction clears thissource: the technical report (technical.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)

✓ in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

✓ 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.

Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2 9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat Besa Pipla Tah Dist Nagpur 440001

saving a change clears verification until someone verifies again

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

the technical report BASE — the challan follows this

technical.pdf

Property Address line
FLAT NO 402 FOURTH FLOOR WING B IN 288 EWS AND 38,LIG FLATS SCHEME AT BELTRODI, KH NO 4/1 4/2 9/2,9/3 18, PH NO 38 MAUZA- BELTARODI NAGAR PANCHAYAT,BESA PIPLA TAH DIST NAGPUR 440001

Legal Address line
FLAT NO 402 FOURTH FLOOR WING B IN 288 EWS AND 38 LIG FLATS SCHEME AT BELTRODI, KH NO 4/1 4/2 9/2 9/3 18, PH NO 38 MAUZA- BELTARODI NAGAR PANCHAYAT BESA PIPLA TAH DIST NAGPUR 440001

PIN
440001

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 402 FOURTH FLOOR WING B 288 EWS 38 LIG FLATS BELTRODI KH NO 4/1 4/2 9/2 9/3 18 PH NO 38

Locality/Road
MAUZA BELTARODI NAGAR PANCHAYAT BESA PIPLA TAH DIST NAGPUR

Area/City
NAGPUR

check or correct a box, the papers beside it →

Every paper prints the same words as the main paper.

Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.

Parties

Role	Name	PAN	Aadhaar
mortgagor	VISHAL PANDURANG HEDAU	BEMPH2824G	…3464

All mail records (for Abhijit — safe to ignore)

Template	To	When
fee quote	kishor.umate@icicihfc.com	2d ago
document chase	kishor.umate@icicihfc.com	2d ago
acknowledgement	kishor.umate@icicihfc.com	2d ago

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

Selfie / photo vishal photo.pdf needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

PAN card Pan card-1 (6).pdf needs your check

dob
1996-04-05

pan
BEMPH2824G

name
VISHAL PANDURANG HEDAU

legible
True

father name
PANDURANG HEDAU

raw reading (for Abhijit)

{'dob': '1996-04-05', 'pan': 'BEMPH2824G', 'name': 'VISHAL PANDURANG HEDAU', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'PANDURANG HEDAU', 'aadhaar_last4': None, 'quality_issue': None}

Payment screenshot pay.pdf needs your check

payments inside
bank: SBI; kind: payment_screenshot; payments: [{'utr': '298950772631', 'date': '2026-10-13', 'page': 1, 'time': '17:04', 'payee': 'EZDOCS', 'amount': 2000.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2

raw reading (for Abhijit)

{'payments_inside': {'bank': 'SBI', 'kind': 'payment_screenshot', 'payments': [{'utr': '298950772631', 'date': '2026-10-13', 'page': 1, 'time': '17:04', 'payee': 'EZDOCS', 'amount': 2000.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2610131704226511237563', 'proof_kind': 'success_screen'}, {'utr': '242332354913', 'date': '2026-10-13', 'page': 2, 'time': '17:04', 'payee': 'EZDOCS', 'amount': 16050.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2610131704482144603951', 'proof_kind': 'success_screen'}], 'rows_read': 2, 'account_last4': '4277', 'account_holder': 'XXXXXX4277'}}

Other image.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Sanction letter KFSLetter_77000362063 (1).pdf needs your check

lan
77000362063

legible
True

purpose
Home Loan and Purchase/Improvement of Property

loan type
Home Loan and Purchase/Improvement of Property

confidence
1.0

print rule
how: read by a rule from the paper's own print; no reader asked; bank: ICICI_HFC; form: ICICI HFC KFS letter; checks: ['the loan number is printed twice and agrees (77000362063)', "the sanctioned amount's digits and word

rate words
12.50 % p.a. Floating; IHPLR 18.9 % less 6.40 %

loan amount
2000000.0

rate spread
-6.4

final amount
2000000.0

interest rate
12.5

sanction date
13/10/2026

reference rate
18.9

applicant email
vishalphedau@gmail.com

applicant names
VISHAL PANDURANG HEDAU, LATABAI PANDURANG HEDAU

printed altered
False

sourced through
267244 - BRANCH-7499

applicant mobile
8888981020

balance transfer
False

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
S/O Pandurang Hedau, Bajar Chowk, Patansaongi, Nagpur Moffusil, NAGPUR, MAHARASHTRA, IN, 441113

raw reading (for Abhijit)

{'lan': '77000362063', 'legible': True, 'purpose': 'Home Loan and Purchase/Improvement of Property', 'borrowers': [], 'loan_type': 'Home Loan and Purchase/Improvement of Property', 'confidence': 1.0, 'print_rule': {'how': "read by a rule from the paper's own print; no reader asked", 'bank': 'ICICI_HFC', 'form': 'ICICI HFC KFS letter', 'checks': ['the loan number is printed twice and agrees (77000362063)', "the sanctioned amount's digits and words agree (2000000)", 'the rate is the benchmark less the spread (18.9 - 6.40 = 12.5)'], 'property': "not on this letter — ICICI's property is on the technical report", 'case_bank': 'ICICI_HFC'}, 'rate_words': '12.50 % p.a. Floating; IHPLR 18.9 % less 6.40 %', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2000000.0, 'rate_spread': -6.4, 'final_amount': 2000000.0, 'interest_rate': 12.5, 'quality_issue': None, 'sanction_date': '13/10/2026', 'letter_version': None, 'reference_rate': 18.9, 'applicant_email': 'vishalphedau@gmail.com', 'applicant_names': ['VISHAL PANDURANG HEDAU', 'LATABAI PANDURANG HEDAU'], 'printed_altered': False, 'sourced_through': '267244 - BRANCH-7499', 'applicant_mobile': '8888981020', 'balance_transfer': False, 'property_address': {}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'S/O Pandurang Hedau, Bajar Chowk, Patansaongi, Nagpur Moffusil, NAGPUR, MAHARASHTRA, IN, 441113'}

Aadhaar card vishal adhar(1).pdf needs your check

dob
1996-04-05

name
Vishal Pandurang Hedau

address
pin: 441113; state: Maharashtra; district: Nagpur; Village: at-po-patanmsawngi,ta-savner, Patansavangi

legible
True

aadhaar last4
3464

raw reading (for Abhijit)

{'dob': '1996-04-05', 'pan': None, 'name': 'Vishal Pandurang Hedau', 'mobile': None, 'address': {'pin': '441113', 'area': None, 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Nagpur', 'post_office': None, 'village_city': 'at-po-patanmsawngi,ta-savner, Patansavangi'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3464', 'quality_issue': None}

Other image.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Technical report technical.pdf needs your check

found
True

found in
PROPERTY ADDRESS

area sq m
44.78

paper for
loan_ref: 77000362063; report_id: HRQ-26-170083; customer_name: Vishal Pandurang Hedau

confidence
0.99

reading486
property

address lines
taken: legal; legal_address: Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2 9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat Besa Pipla Tah Dist Nagpur 440001; property

property address
pin: 440001; state: Maharashtra; taluka: Nagpur; Flat no: Flat No 402; district: Nagpur; Floor: Fourth Floor; landmark: Near Sdpl Ashray Beltrodi; Address: Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Fl

security address verbatim
Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2 9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat Besa Pipla Tah Dist Nagpur 440001

raw reading (for Abhijit)

{'found': True, 'found_in': 'PROPERTY ADDRESS', 'area_sq_m': 44.78, 'paper_for': {'loan_ref': '77000362063', 'report_id': 'HRQ-26-170083', 'customer_name': 'Vishal Pandurang Hedau'}, 'pin_other': None, 'confidence': 0.99, '_reading486': 'property', 'address_lines': {'taken': 'legal', 'legal_address': 'Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2 9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat Besa Pipla Tah Dist Nagpur 440001', 'property_address': 'Flat No 402 Fourth Floor Wing B In 288 Ews And 38,Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2,9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat,Besa Pipla Tah Dist Nagpur 440001'}, 'property_address': {'pin': '440001', 'road': None, 'state': 'Maharashtra', 'taluka': 'Nagpur', 'flat_no': 'Flat No 402', 'district': 'Nagpur', 'floor_no': 'Fourth Floor', 'landmark': 'Near Sdpl Ashray Beltrodi', 'full_address': 'Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2 9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat Besa Pipla Tah Dist Nagpur 440001', 'village_city': 'Beltarodi', 'building_name': '288 Ews And 38 Lig Flats Scheme At Beltrodi', 'survey_or_cts_no': 'Kh No 4/1 4/2 9/2 9/3 18, Ph No 38'}, 'security_address_verbatim': 'Flat No 402 Fourth Floor Wing B In 288 Ews And 38 Lig Flats Scheme At Beltrodi, Kh No 4/1 4/2 9/2 9/3 18, Ph No 38 Mauza- Beltarodi Nagar Panchayat Besa Pipla Tah Dist Nagpur 440001'}

LSR (search report) LEGAL-10340567 (1).pdf needs your check

found
False

paper for
loan_ref: 10340567; customer_name: VISHAL PANDURANG HEDAU

confidence
0.99

reading486
property

property address

raw reading (for Abhijit)

{'found': False, 'found_in': None, 'area_sq_m': None, 'paper_for': {'loan_ref': '10340567', 'report_id': None, 'customer_name': 'VISHAL PANDURANG HEDAU'}, 'pin_other': None, 'confidence': 0.99, '_reading486': 'property', 'address_lines': None, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'security_address_verbatim': None}

Paid challan (GRAS) VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf needs your check

grn
MH011934780202627E

pin
440001

total
16020.0

article
6(1)

defaced
False

bank cin
03006172026101301325

district
NAGPUR

area city
NAGPUR

payer pan
BEMXXXXXXG

flat block
FLAT NO 402 FOURTH FLOOR WING B 288 EWS 38 LIG FLATS SCHEME AT BELTRODI KH NO 4/1 4/2 9/2 9/3 18

payer name
VISHAL PANDURANG HEDAU

sro office
NGP4_JT NAGPUR NO 4 SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=2000000

scheme rows
{'amount': 6010.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10010.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX1020

payment date
13/10/2026

road locality
PH NO 38 MAUZA BELTARODI NAGAR PANCHAYAT BESA PIPLA TAH DIST NAGPUR

second party pan
AAACI6285N

second party name
ICICI HOME FINANCE COMPANY LTD

consideration amount
2000000

raw reading (for Abhijit)

{'grn': 'MH011934780202627E', 'pin': '440001', 'total': 16020.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101301325', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'BEMXXXXXXG', 'flat_block': 'FLAT NO 402 FOURTH FLOOR WING B 288 EWS 38 LIG FLATS SCHEME AT BELTRODI KH NO 4/1 4/2 9/2 9/3 18', 'payer_name': 'VISHAL PANDURANG HEDAU', 'sro_office': 'NGP4_JT NAGPUR NO 4 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=2000000', 'scheme_rows': [{'amount': 6010.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10010.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX1020', 'payment_date': '13/10/2026', 'road_locality': 'PH NO 38 MAUZA BELTARODI NAGAR PANCHAYAT BESA PIPLA TAH DIST NAGPUR', 'second_party_pan': 'AAACI6285N', 'second_party_name': 'ICICI HOME FINANCE COMPANY LTD', 'consideration_amount': '2000000'}

Paid challan (GRAS) VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf needs your check

grn
MH011934780202627E

pin
440001

total
16020.0

article
6(1)

defaced
False

bank cin
03006172026101301325

district
NAGPUR

area city
NAGPUR

payer pan
BEMXXXXXXG

flat block
FLAT NO 402 FOURTH FLOOR WING B 288 EWS 38 LIG FLATS SCHEME AT BELTRODI KH NO 4/1 4/2 9/2 9/3 18

payer name
VISHAL PANDURANG HEDAU

sro office
NGP4_JT NAGPUR NO 4 SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=2000000

scheme rows
{'amount': 6010.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10010.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX1020

payment date
13/10/2026

road locality
PH NO 38 MAUZA BELTARODI NAGAR PANCHAYAT BESA PIPLA TAH DIST NAGPUR

second party pan
AAACI6285N

second party name
ICICI HOME FINANCE COMPANY LTD

consideration amount
2000000

raw reading (for Abhijit)

{'grn': 'MH011934780202627E', 'pin': '440001', 'total': 16020.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101301325', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'BEMXXXXXXG', 'flat_block': 'FLAT NO 402 FOURTH FLOOR WING B 288 EWS 38 LIG FLATS SCHEME AT BELTRODI KH NO 4/1 4/2 9/2 9/3 18', 'payer_name': 'VISHAL PANDURANG HEDAU', 'sro_office': 'NGP4_JT NAGPUR NO 4 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=2000000', 'scheme_rows': [{'amount': 6010.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10010.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX1020', 'payment_date': '13/10/2026', 'road_locality': 'PH NO 38 MAUZA BELTARODI NAGAR PANCHAYAT BESA PIPLA TAH DIST NAGPUR', 'second_party_pan': 'AAACI6285N', 'second_party_name': 'ICICI HOME FINANCE COMPANY LTD', 'consideration_amount': '2000000'}

Other image.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Payment screenshot pay.pdf needs your check

payments inside
payments: [{'utr': '298950772631', 'date': '2026-10-13', 'page': 1, 'time': '17:04', 'payee': 'EZDOCS', 'amount': 2000.0, 'direction': 'credit', 'narration': 'VYAPAR.********0123@HDFCB...', 'proof_kind': 'success_screen'

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': '298950772631', 'date': '2026-10-13', 'page': 1, 'time': '17:04', 'payee': 'EZDOCS', 'amount': 2000.0, 'direction': 'credit', 'narration': 'VYAPAR.********0123@HDFCB...', 'proof_kind': 'success_screen'}, {'utr': '242332354913', 'date': '2026-10-13', 'page': 2, 'time': '17:04', 'payee': 'EZDOCS', 'amount': 16050.0, 'direction': 'credit', 'narration': 'VYAPAR.********0123@HDFC...', 'proof_kind': 'success_screen'}]}}

Technical record (for Abhijit — safe to ignore)

41m ago	EzDocs	reader_efiling_verdict	{'fp': '6e2729cd3e7940c2', 'asked': True, 'findings': [{'do': 'Ask branch for the date of mortgage.', 'box': 'Date of Mortgage', 'why': 'Date of mortgage is required but missing from papers.', 'page': 'Start page', 'leve
3h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 13 Oct, 17:34 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack']}
5h ago	EzDocs	case_reevaluated	{'stage_after': 'CHALLAN_PAID'}
5h ago	EzDocs	match_undone	{'ref': '734914843339', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 18050.0, 'reason': "this case's screenshot
5h ago	EzDocs	credit_on_another_case	{'how': 'utr', 'utr': '734914843339', 'why': 'NOI-2026-03574 has a receipt naming this same credit (the same UTR) — a person must say whose money it is', 'amount': 18050, 'other_case': 'NOI-2026-03574'}
5h ago	EzDocs	case_reevaluated	{'stage_after': 'CHALLAN_PAID'}
5h ago	EzDocs	payment_needs_review	{'flags': ['paid_again:earlier_credit_2000'], 'method': 'screenshot_sms_amount+part', 'received': 20050.0}
5h ago	EzDocs	payment_part_added	{'why': 'the branch paid short and then paid the balance — the parts are added up and the sum is checked', 'earlier': 2000.0, 'expected': 18070.47, 'this_credit': 18050.0, 'now_received': 20050.0}
5h ago	EzDocs	receivable_snapshot	{'before': {'delta': -16070.47, 'status': 'short', 'paid_at': '2026-10-13T11:34:32.089836+00:00', 'received': 2000.0, 'risk_flags': [], 'verified_at': None, 'match_method': 'screenshot_amount_time', 'received_utr': '2989
20h ago	EzDocs	hidden_payment_scan	{'file': 'pay.pdf', 'kind': None, 'found': 0, 'doc_id': 'e3c8162a-b5f7-4c29-8bf1-83789c52af2e', 'fetched': True}
20h ago	EzDocs	hidden_payment_scan	{'file': 'image.png', 'kind': None, 'found': 0, 'doc_id': 'e164565d-0f1d-4db3-80e3-788b45267be0', 'fetched': True}
20h ago	EzDocs	hidden_payment_scan	{'file': 'image.png', 'kind': None, 'found': 0, 'doc_id': 'eabad716-8aa2-4482-bdcb-6b8540917873', 'fetched': True}
20h ago	EzDocs	sms_matched_late	{'ref': '298950772631', 'why': 'this credit had arrived before the case could be matched (no bill yet, or the screenshot came later) — matched now on the same evidence as a live SMS', 'amount': 2000.0, 'method': 'screens
20h ago	EzDocs	payment_short	{'why': '₹16,000 below the real calculation (government + DHC + our fee) — short, whatever the gap to our ask', 'delta': -16070.47, 'method': 'screenshot_amount_time', 'expected': 18070.47, 'received': 2000.0, 'below_rea
20h ago	EzDocs	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': [], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, 's
20h ago	EzDocs	case_reevaluated	{'stage_after': 'CHALLAN_PAID'}
20h ago	EzDocs	double_tie_undone523	{'why': "the same payment was counted twice (HDFC's two messages) — taken back from this case; it was never this case's money", 'sms_id': 'b69d591f-5dc7-4948-9431-8dff6f8a5290', 'kept_on': 'NOI-2026-03471'}
20h ago	EzDocs	match_undone	{'ref': None, 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 18050.0, 'reason': 'HDFC sent two messages for this
2d ago	EzDocs	quoted_history_checked	{}
2d ago	EzDocs	extra_challan_scanned	{'found': 0}
2d ago	EzDocs	allotment_read	{'fp': '5ebfdc29cd832988', 'file': 'image.png', 'asked': True, 'doc_id': 'e164565d-0f1d-4db3-80e3-788b45267be0', 'is_allotment_letter': False}
2d ago	EzDocs	allotment_read	{'fp': '76758b129910e0c7', 'file': 'image.png', 'asked': True, 'doc_id': 'eabad716-8aa2-4482-bdcb-6b8540917873', 'is_allotment_letter': False}
2d ago	EzDocs	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 BExxxxxxXG — no paper on the
2d ago	EzDocs	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '506774', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed NGP4_
2d ago	EzDocs	document_reread	{'now': ['challan'], 'was': ['challan'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf', 'doc_id': 'bd8440
2d ago	EzDocs	two_stamp_duty_challans	{'why': 'the IGR banking portal accepts ONE challan carrying both 0.3% and 0.5%, or one 0.3% for the WHOLE amount plus a separate 0.5% — two different 0.3% challans cannot be added. On a BT + top-up the 0.3% must be ONE
2d ago	EzDocs	challan_verified_against_case	{'grn': 'MH011934780202627E', 'file': 'VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
2d ago	EzDocs	challan_extracted	{'grn': 'MH011934780202627E', 'file': 'VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 16020.0}
2d ago	EzDocs	reading_error456	{'box': 'Office', 'why': 'the team typed what this paper prints; we typed what no paper prints — we read the paper wrong; read again', 'file': 'VISHAL PANDURANG HEDAU EchallanMH011934780202627E.pdf', 'ours'
2d ago	EzDocs	filing_waits_on_title_doc	{'was': 'VENDOR', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the

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

Papers

All 8 in hand

Nothing more to ask the branch for

Money

SHORT — ₹2,000 of ₹18,070.47 received

₹16,070.47 still to come before the challan.

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

For you to check: Money received is short — ₹16,070.47 still to come. The receipt says ₹18,050 but ₹16,050 of it has not reached us. Look for a ₹16,050 credit — Money card, link by hand. ₹18,050 is counted on NOI-2026-03574, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page. ₹16,050 is counted on NOI-2026-03462, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.

Today · 15 Oct6 things

EzDocs checked the e-filing boxes against the papers