⚠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.
GAYATRI PRASHANT RAVKHANDE
LAN HOU/PUN/0626/5115928Loan ₹36,15,000NOIMails & papers 11
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
12 Oct, 16:09
Documents
took 49m
Payment
Challan
done 12 Oct, 17:05 · GRAS ↗
Filing
took 59m · IGR e-filing ↗
E-filing copy
done 12 Oct, 18:05
Index II
took 19h
doneIndex II shared · the trail says: The branch has sent the loan papers and is asking for the Index II. The team is waiting for the branch to provide the Index II.whole case so far 1d 9h
Needs your eyes5
Mail bounced — the branch did not get it. Re-send.
Only the branch's own Index II is on file — not the registered copy of our filing. Mail or upload it.
The work is done — our fee of ₹27,670.48 is still not in our account. Chase the branch for it.
Payment proof is from 2026-06-17 — an old receipt?
2 difference(s) between the papers to look at once — none stops the challan. See them →
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
Yesterday · 13 Oct2 things
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
12 Oct101 things — 13 documents received · 3 letters written · 1 money step · 3 cautions · 81 steps
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
copilot check ok — by copilot
form checked489
copilot edit — by copilot:ANJU
copilot check issues — by copilot
form checked489
copilot pick — by copilot
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
efiling token from portal — by copilot
kyc address read
index2 docno read
challan boxes gathered
boxes gathered
challan boxes composed
property self check
property from index2
index2 people checked
extra challan scanned
An old draft withdrew itself — its asks were already answered
The home address was read off the papers — by ezdocs:reader
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
cards read
cards read
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03420
An old draft withdrew itself — its asks were already answered
thread docs swept
Documents the branch had sent were fetched from the mail thread
Received: other
image001.png
The file seems to show a payment to us but no row could be read — open it
property self check
property from index2
index2 people checked
property english extracted
index2 people checked
Index II (title document) received from the branch
file note490
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
Received: Index II
GAYATRI RAVKHANDE_INDEX II.pdf
pages trimmed480
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
GAYATRI PRASHANT RAVKHANDE EchallanMH004651438202627E.pdf
Received: other
image001.png
stale claim flagged
screenshot claim recorded
Received: Payment screenshot
PHOTO-2026-06-17-12-08-07.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
PHOTO-2026-06-17-12-10-35.jpg
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: Selfie — not usable
PHOTO-2026-06-17-12-17-52.jpg — this is a photograph of a passport-size print, not a live selfie
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03420
The bill was worked out from the loan amount (no mail)
Every screenshot and credit SMS is judged against this figure.
pan inside paper not a card
pan inside paper not a card
Received: Sale deed
GAYATRI PRASHANT RAVKHADE -503.pdf
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: PAN card
GAYATRI PAN.jpg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
kyc address read
Received: Aadhaar
APP E ADHAR.pdf
roles from letter
Co-applicant added
card mobile not taken
kyc address read
party by filename
roles from letter
Co-applicant added
card mobile not taken
kyc address read
party by filename
Received: Aadhaar
CO APP E ADHAR.pdf
roles from letter
Co-applicant added
party not merged
Received: PAN card
CO APP PAN.pdf
money settled — by ezdocs:reader
A copy INSIDE a bundle cannot be used — that document is asked for on its own; the rest of the file counts
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
amount low confidence
Received: Sanction letter
PHOTO-2026-06-17-12-24-29.jpg
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.
What the e-filing still needsall in
9 of 9 in hand · the challan is done — these are for the filing / KYC
✓Sanction letteropen
✓PAN cardopen
✓Aadhaar cardopen
✓Sale deedopen
✓Selfie / photoopen
✓Paid challan (GRAS)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 13 files
The file, as the engine remembers it24 open
The file contains a sanction letter from PNB Housing Finance Ltd for a housing loan of INR 36,15,000 (including insurance) for Flat No. 503 at Shiv Shambhu Heights, Warje, Pune, in favour of Gayatri Prashant Ravkhande and Prashant C Ravkhande. The PAN cards, Aadhaar cards, and application papers ali
✗the photo could not be read (PHOTO-2026-06-17-12-17-52.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
○GAYATRI PRASHANT RAVKHANDE — home road — the branch
○PRASHANT C RAVKHANDE — mobile — the branch
○PRASHANT C RAVKHANDE — e-mail — the branch
○PRASHANT C RAVKHANDE — home building — the branch
○PRASHANT C RAVKHANDE — home flat — the branch
○PRASHANT C RAVKHANDE — home road — the branch
○PRASHANT C RAVKHANDE — home PIN — the branch
○PRASHANT C RAVKHANDE — home village / city — the branch
○Prashant Chandrakant Ravkhande — PAN — the branch
… and 14 more
?unsure of date_of_mortgage — No Memorandum of Deposit of Title Deeds (MOTD) or mortgage deed is present on the file yet.
the branch's last mail (2026-10-12): The branch is asking for the NOI Index II.
read once, kept; every new mail and paper is read against this note · kept 2026-10-12T10:42 UTC
Moneywaiting for the credit
₹27,670.48
Nothing has reached our account yet — only a credit our bank shows us counts.
Screenshot ₹27,650 — ₹20 under our ask, not below the real calculation ₹27,645. Counts as full. Nothing to ask.
Screenshot ₹27,650 — verified by itself the moment the bank credit is heard.
Screenshot ₹27,650 — verified by itself the moment the bank credit is heard.
why?
The branch paid the statutory-exact figure (our ₹10 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.
Paid by GPay at 2026-06-17 — verified when Google's NEFT lands in the PNB account (within hours).
The money may already be here — 1 credit(s) 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.
The working
Stamp duty 0.3%10,850
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for27,670.48
By law ₹27,665. We ask ₹27,670 (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.
Propertyby the engine, from the Index II
503, 5th, Shiv Shambhu Heights, SURVEY, 37/5/4, Warje, 411058
read from the Index II · e-filing boxes 59 of 70 ready
Check the property →the boxes beside the paper
People
PRASHANT C RAVKHANDE · applicantBCEPR4806CPrashant Chandrakant Ravkhande · applicantBCEPR4806CPrashant Chandrakant Ravkhande · applicantBCEPR4806CGAYATRI PRASHANT RAVKHANDE · applicantCYTPK7343F
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