⚠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-2026-03478

Dnyaneshwar Shantaram Bhadange

LAN HOU/NSK/0926/5217904 Challan paid · waiting on the branch Waiting for the Index II Send the draft 2 All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs4 still to come

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

✓PAN cardopen

✓Sanction letteropen

✓Payment screenshot — money verifiedopen

✓Aadhaar cardopen

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

✓Paid challan (GRAS)open

Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.

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

Index II copy / Title document — for the e-filing visit later

All files (8)A label is wrong? Fix it under All documents.

Needs your eyes

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

MoneyAll of it is in

₹27,590.12CASE MARK

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

₹27,565 receivedthe receipt's amount and minute agree

Stamp duty 0.3%10,770

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.12

Total we ask for27,590.12

the branch’s receipt claims ₹27,565 204734429976

paid 13 Oct 17:28:29 · verified 13 Oct 19:02:06 · 1 h 33 min later

How we know

Our own bank told us — 13 Oct 17:28

₹27,565 · UTR 204734429976 · from JK-PNBSMS-S · a/c …3164

“Ac XX3164 Credited with Rs.27565.00 13-10-2026 17:28:29  by DNYANESH thru UPI . Aval Bal Rs.531574.75 CR. (UPI Ref ID:204734429976) -PNB”

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

By law ₹27,581. We ask ₹27,590 (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 ₹27,561 — accept as full (₹29.12 = our margin).

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 14 minour time · 13 Oct 19:12

Index II —not yet

the NOI team 5 h 51 mintotal 5 h 51 min so far

Now with the NOI team — e-filing on IGR

since 13 Oct 19:12 — 5 h 37 min of working time

Day by day — every step and who held it

13 Oct 18:58Your branch's mail

13 Oct 18:58Payment landedat once

13 Oct 19:01Fee quoted+3 min · the NOI team

13 Oct 19:01Papers readat once

13 Oct 19:01Property readat once

13 Oct 19:01Papers readat once

13 Oct 19:02Payment verified+1 min · the NOI team

13 Oct 19:02Ready for the challanat once

13 Oct 19:12Challan made+10 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹35,87,000

Loan account no.

HOU/NSK/0926/5217904

Bank’s own ref

—

Kind of case — the amount follows this

0.3% only / top-up: the branch asks for the 0.3% challan alone (a top-up, or a stand-alone 0.3% challan) — the stamp duty and ₹100, nothing is filed. Change this and the amount re-works itself.

Who paid the challan

The ask carries the stamp duty and registration fee we will pay on GRAS. If their own vendor already paid the challans, switch this — the ask re-works to our fee alone.

Open the filing pack all the challan needs

CONFIRM THE PROPERTY — then file

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

District

Nashik

Taluka

Nashik

Village

Nashik

Number type

SURVEY

Number

45/7 TO 9/12 TO 18/20/1, MAKHMALABAD, NASHIK, SAMARTH NAGAR, MAHADEV COLONY ROAD, MAHARASHTRA, INDIA, 422003

Building

(empty)

Floor

(empty)

Flat / shop no

(empty)

Area

(empty)

Hadd

Nashik Municipal Corporation

Read from the sanction letter, not the Index II. Sanction letter (33-1).pdf open it · If an Index II is on file, read the property from it.

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

Building, Floor, Flat / shop no, Area are empty — the portal will not take a blank. Fill it on the verification page first →

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 — Two sanction letters with different loan amounts and loan numbers: Sanction letter (33-1).pdf says LAN HOU/NSK/0926/5217904, Total Loan Amount INR 1537000; Sanction letter (34-1).pdf says LAN NHL/NSK/1026/5239637, Total Loan Amount INR 2050000; Branch mail says Loan Amount 3587000 combining both. The branch request lists both loan numbers and the branch paid fee based on the combined total of 3587000, but there are two separate sanction letters on file. Confirm with the branch whether both loans are being covered under this single NOI filing or if they require separate filings.

• 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.

• 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

• check — EzDocs' loan amount was set aside: an 'insurance' part that is a whole loan

• EzDocs read the whole file — every paper and every mail — and filled from it: name of person 1.

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.

⚠ 2 differences between the papers — 1 stops the challan and the filing the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

STOPTwo sanction letters with different loan amounts and loan numbers

Sanction letter (33-1).pdf	LAN HOU/NSK/0926/5217904, Total Loan Amount INR 1537000
Sanction letter (34-1).pdf	LAN NHL/NSK/1026/5239637, Total Loan Amount INR 2050000
Branch mail	Loan Amount 3587000 combining both

Why it matters: The branch request lists both loan numbers and the branch paid fee based on the combined total of 3587000, but there are two separate sanction letters on file.

What to do: Confirm with the branch whether both loans are being covered under this single NOI filing or if they require separate filings.

NOTEThe name of person 2

The PAN card	BHADANGE DNYANESHWAR S
The sanction letter DIFFERS	SHOBHA DNYANESHWAR BHANDAGE

What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.

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 branch has sent the loan documents. The team is waiting for the Index II copy from the branch to proceed.

the trail says the next move is with the branch — Index II Copy OTC

the branch last asked: Kindly process 0.3 & 0.5 Challan in below case .

✓ loan papers sent — done, mail 1 (2026-10-13) “Sanction letter (33-1).pdf, Sanction letter (34-1).pdf, PHOTO-2026-10-13-18-48-27.jpg, DocScanner 1 Sept 2026 11-48 am.pdf, EAadhaar_063620027004582023071212025”

? Index II asked for — asked, mail 1 (2026-10-13) “*Index II Copy OTC”

read over 1 mail(s), last mail 2026-10-13 · read 5h 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 5h 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	MH011944284202627E	—	pending

Open filing pack →

Fix something every change is recorded with your name

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

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

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

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

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

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

DRAFT — written by the engine, not sent

NOI case NOI-2026-03478

how it will look to the branch

Dear Team,

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

ApplicantDnyaneshwar Shantaram Bhadange

LANHOU/NSK/0926/5217904

Loan AmtRs. 35,87,000

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Payment Screenshot with UTR, Sanction Letter

Payment of Rs. 27,565.00 stands VERIFIED against the credit in our account on 13-Oct-2026 (UTR: 204734429976). Nothing further is due on this case.

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

Applicant's Selfie / Photo
Index II copy / Title document

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

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

open on Draft mails instead

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

DRAFT — written by the engine, not sent

Loan No : HOU/NSK/0926/5217904 // NHL/NSK/1026/5239637 Applicant Name : DNYANESHWAR SHANTARAM BHADANGE.

how it will look to the branch

Dear Team,

With reference to the captioned case (LAN: HOU/NSK/0926/5217904), the papers on file leave the following open, and we cannot make the challan until it is settled:

Two sanction letters with different loan amounts and loan numbers — Sanction letter (33-1).pdf says LAN HOU/NSK/0926/5217904, Total Loan Amount INR 1537000; Sanction letter (34-1).pdf says LAN NHL/NSK/1026/5239637, Total Loan Amount INR 2050000; Branch mail says Loan Amount 3587000 combining both. Kindly confirm which is right for this NOI.

Kindly confirm on this same email thread, and share the paper that settles each point where one exists. The NOI filing timeline (30 days from the date of mortgage) applies.

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

open on Draft mails instead

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

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

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

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

SM shubham.mahale@phfl.com phfl.com
13 Oct, 18:58 · 5h ago THE FIRST MAIL — how this case began

Loan No : HOU/NSK/0926/5217904 // NHL/NSK/1026/5239637 Applicant Name : DNYANESHWAR SHANTARAM BHADANGE.

📎 DocScanner 1 Sept 2026 11-48 am.pdf ↗📎 Sanction letter (33-1).pdf ↗📎 Sanction letter (34-1).pdf ↗📎 PHOTO-2026-10-13-18-48-27.jpg ↗📎 EAadhaar_0636200270045820230712120258_0909 ↗📎 image001.jpg ↗📎 PHOTO-2026-10-13-18-45-45.jpg ↗

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case .

Customer nameDNYANESHWAR SHANTARAM BHADANGE

Loan account (LAN)HOU/NSK/0926/5217904

Loan amount₹35,87,000

Stamp duty 0.30%₹10,761

Registration fee 0.50%₹15,000

DHC₹300

Service / vendor fees₹1,500

Total₹27,561

✓ Sanction Letter — attached
✓ Customer Aadhar Card / co applicant — attached
✓ Customer pan Card / co applicant — attached
✓ Form A2 or Soft copy of photograph — attached
✓ Payment details — attached

// NHL/NSK/1026/5239637

*Index II CopyOTC

Thanks & Regards,
Shubham B Mahale
Technical Executive
Nashik Branch

earlier mails quoted below

From: hemant.hire ( hemant.hire@phfl.com )
Date: 13-10-26 06:52 pm
To: Shubham Bhagwan Mahale ( shubham.mahale@phfl.com )
Subject:  Fy

Sent from  OfficeMail

🤖 read: asks for the challan, the e-filing copy, the Index II; documents attached; note: Kindly process 0.3 & 0.5 Challan in below case . — “Loan Amount 3587000”

OL The NOI teamTYPED IN GMAIL
13 Oct, 19:06 · 5h ago

Team,

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.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 13 Oct 2026 at 19:01, Shubham Bhagwan Mahale < shubham.mahale@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case .

Customer Name  DNYANESHWAR SHANTARAM BHADANGE

Lan No  HOU/NSK/0926/5217904 // NHL/NSK/1026/5239637

Loan Amount  3587000

LOAN AMOUNT  3587000
0.30%  10761
0.50%  15000
FEES  1500
DHC  300
TOTAL  27,561

*Sanction Letter  attached
*Customer Aadhar Card / co applicant  attached
*Customer pan Card /  co applicant  attached
*Index II Copy  OTC
*Form A2 or Soft copy of photograph  attached
*Payment details  attached

SRO No

Thanks & Regards,
Shubham B Mahale
Technical Executive
Nashik Branch

From: hemant.hire ( hemant.hire@phfl.com )
Date: 13-10-26 06:52 pm
To: Shubham Bhagwan Mahale ( shubham.mahale@phfl.com )
Subject:  Fy

Sent from  OfficeMail

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

OL The NOI teamTYPED IN GMAIL
13 Oct, 19:15 · 5h ago

📎 BHADANGE DNYANESHWAR S EchallanMH011944284 ↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 13 Oct 2026 at 19:06, 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.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 13 Oct 2026 at 19:01, Shubham Bhagwan Mahale < shubham.mahale@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case .

Customer Name  DNYANESHWAR SHANTARAM BHADANGE

Lan No  HOU/NSK/0926/5217904 // NHL/NSK/1026/5239637

Loan Amount  3587000

LOAN AMOUNT  3587000
0.30%  10761
0.50%  15000
FEES  1500
DHC  300
TOTAL  27,561

*Sanction Letter  attached
*Customer Aadhar Card / co applicant  attached
*Customer pan Card /  co applicant  attached
*Index II Copy  OTC
*Form A2 or Soft copy of photograph  attached
*Payment details  attached

SRO No

Thanks & Regards,
Shubham B Mahale
Technical Executive
Nashik Branch

From: hemant.hire ( hemant.hire@phfl.com )
Date: 13-10-26 06:52 pm
To: Shubham Bhagwan Mahale ( shubham.mahale@phfl.com )
Subject:  Fy

Sent from  OfficeMail

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

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	DocScanner 1 Sept 2026 11-48 am.pdf	filed	5h ago
Sanction letter	Sanction letter (33-1).pdf	filed	5h ago
Sanction letter	Sanction letter (34-1).pdf	filed	5h ago
Payment screenshot	PHOTO-2026-10-13-18-48-27.jpg	filed	5h ago
Aadhaar card+ Other inside	EAadhaar_0636200270045820230712120258_09092026154353.pdf	filed	5h ago
Other	image001.jpg	filed	5h ago
Selfie / photo	PHOTO-2026-10-13-18-45-45.jpg	CANNOT BE READ — clear copy asked	5h ago
Paid challan (GRAS)	BHADANGE DNYANESHWAR S EchallanMH011944284202627E.pdf	filed	5h 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
₹27,590.12

Where it stands
VERIFIED — money received

Screenshot claims
₹27,565 204734429976

Paid at
13 Oct 17:28:29

Verified on
13 Oct 19:02:06

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹10,770	₹15,000	₹320	₹1,500	₹27,590

By law ₹27,581. We ask ₹27,590 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Building (with wing), Floor, Flat / shop no, Area, Area unit (Sq.mt. / Sq.ft.) …

23 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 5h ago — all agree.

⚠ the English boxes (building, flat/shop) are empty while the document text below holds the details. Press Re-read in English now below — it runs in seconds; anything still empty or wrong goes to Abhijit. Nothing files until a person verifies the property.

not verified yetsource: the sanction letter (Sanction letter (33-1).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)

empty

Flat / shop no

empty

Floor

empty

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

✓ in the document

Area (sq.mt, carpet)

empty

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.

Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

Sanction letter (34-1).pdf

as printed
PLOT NO 01, S NO 45/7 TO 9/12 TO 18/20/1, MAKHMALABAD, NASHIK, SAMARTH NAGAR, NASHIK, MAHADEV COLONY ROAD, NASHIK, MAHARASHTRA, INDIA, 422003

PIN
422003

the sanction letter

Sanction letter (33-1).pdf

as printed
PLOT NO 01, S NO 45/7 TO 9/12 TO 18/20/1, MAKHMALABAD, NASHIK, SAMARTH NAGAR, NASHIK, MAHADEV COLONY ROAD, NASHIK, MAHARASHTRA, INDIA, 422003

PIN
422003

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 01 S NO 45/7 TO 9/12 TO 18/20/1 MAKHMALABAD NASHIK SAMARTH NAGAR MAHADEV COLONY ROAD

Locality/Road
MAHARASHTRA

Area/City
NASHIK

check or correct a box, the papers beside it →

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	DNYANESHWAR SHANTARAM BHADANGE	AQFPB9718H	…2257
co_mortgagor	BHADANGE DNYANESHWAR S

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
acknowledgement	shubham.mahale@phfl.com	5h ago
questions for the branch — what the papers leave open	shubham.mahale@phfl.com	5h ago

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

Sanction letter Sanction letter (33-1).pdf needs your check

lan
HOU/NSK/0926/5217904

legible
True

purpose
Housing Loan, Housing

loan type
Housing Loan, Housing

confidence
1.0

print rule
how: read by a rule from the paper's own print; no reader asked; bank: PNB_HFL; form: PNB Housing sanction letter; checks: ["the loan amount's digits and words agree (1500000)", "the insurance premium's digits and words

rate words
PNBRRR 13.15% per annum; 13.15% -4.85% = 8.30% per annum as on the date of execution of the loan agreement

bank branch
NASHIK

loan amount
1500000.0

rate spread
-4.85

final amount
1537000.0

interest rate
8.3

sanction date
15-Sep-2026

letter version
5

reference rate
13.15

applicant email
dnyaneshwarbhadange008@gmail.com

applicant names
DNYANESHWAR SHANTARAM BHADANGE, SHOBHA DNYANESHWAR BHANDAGE

printed altered
False

applicant mobile
9767579742

balance transfer
False

property address
pin: 422003; state: MAHARASHTRA; full_address: Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003

insurance premium
37000.0

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1537000.0

security address verbatim
Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003

applicant address verbatim
PLTO NO -15 PRARABHADHA BANGLOW, SHINDE NAGAR B/H SBI AMT MAKHAMALABAD, NASHIK, ., Nashik, MAHARASHTRA, 422003, India

raw reading (for Abhijit)

{'lan': 'HOU/NSK/0926/5217904', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [], 'loan_type': 'Housing Loan, Housing', 'confidence': 1.0, 'print_rule': {'how': "read by a rule from the paper's own print; no reader asked", 'bank': 'PNB_HFL', 'form': 'PNB Housing sanction letter', 'checks': ["the loan amount's digits and words agree (1500000)", "the insurance premium's digits and words agree (37000)", 'loan + insurance = total (1500000 + 37000 = 1537000)', 'the rate arithmetic holds (13.15 - 4.85 = 8.30)'], 'case_bank': 'PNB_HFL'}, 'rate_words': 'PNBRRR 13.15% per annum; 13.15% -4.85% = 8.30% per annum as on the date of execution of the loan agreement', 'bank_branch': 'NASHIK', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1500000.0, 'rate_spread': -4.85, 'final_amount': 1537000.0, 'interest_rate': 8.3, 'quality_issue': None, 'sanction_date': '15-Sep-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'dnyaneshwarbhadange008@gmail.com', 'applicant_names': ['DNYANESHWAR SHANTARAM BHADANGE', 'SHOBHA DNYANESHWAR BHANDAGE'], 'printed_altered': False, 'applicant_mobile': '9767579742', 'balance_transfer': False, 'property_address': {'pin': '422003', 'state': 'MAHARASHTRA', 'full_address': 'Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003'}, 'insurance_premium': 37000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1537000.0, 'security_address_verbatim': 'Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003', 'applicant_address_verbatim': 'PLTO NO -15 PRARABHADHA BANGLOW, SHINDE NAGAR B/H SBI AMT MAKHAMALABAD, NASHIK, ., Nashik, MAHARASHTRA, 422003, India'}

PAN card DocScanner 1 Sept 2026 11-48 am.pdf needs your check

dob
1983-10-14

pan
AQFPB9718H

name
BHADANGE DNYANESHWAR S

legible
True

father name
S R BHADANGE

raw reading (for Abhijit)

{'dob': '1983-10-14', 'pan': 'AQFPB9718H', 'name': 'BHADANGE DNYANESHWAR S', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'S R BHADANGE', 'aadhaar_last4': None, 'quality_issue': None}

Other image001.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Aadhaar card EAadhaar_0636200270045820230712120258_09092026154353.pdf needs your check

dob
1983-10-14

name
Dnyaneshwar Shantaram Bhadange

mobile
9767579742

address
pin: 413709; area: Ward N.6, Bharat Gas Javal; road: Newasa Road; state: Maharashtra; district: Ahmadnagar; post_office: Shrirampur; village_city: Shrirampur

legible
True

aadhaar last4
2257

raw reading (for Abhijit)

{'dob': '1983-10-14', 'pan': None, 'name': 'Dnyaneshwar Shantaram Bhadange', 'mobile': '9767579742', 'address': {'pin': '413709', 'area': 'Ward N.6, Bharat Gas Javal', 'flat': None, 'road': 'Newasa Road', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Ahmadnagar', 'post_office': 'Shrirampur', 'village_city': 'Shrirampur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '2257', 'quality_issue': None}

Payment screenshot PHOTO-2026-10-13-18-48-27.jpg needs your check

utr
204734429976

date
2026-10-13

time
17:28

amount
27565

method
UPI

payee upi
9892834356m@pnb

payee name
THINKBIGZ INITIATIVE PRIVATE LIMITED

payer name
Dnyaneshwar Bhadange

debit notification text
Transaction Successful

raw reading (for Abhijit)

{'utr': '204734429976', 'date': '2026-10-13', 'time': '17:28', 'amount': 27565, 'method': 'UPI', 'payee_upi': '9892834356m@pnb', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PRIVATE LIMITED', 'payer_name': 'Dnyaneshwar Bhadange', 'debit_notification_text': 'Transaction Successful'}

Sanction letter Sanction letter (34-1).pdf needs your check

lan
NHL/NSK/1026/5239637

legible
True

purpose
Non Housing Loan, Personal use

borrowers
{'name': 'DNYANESHWAR SHANTARAM BHADANGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHOBHA DNYANESHWAR BHANDAGE', 'role': 'co_applicant', 'label': 'Applicant'}

confidence
1

rate words
13.15% per annum 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement

loan amount
2000000

rate spread
-3.65

final amount
2050000

interest rate
9.5

sanction date
12-Oct-2026

letter version
4

reference rate
13.15

applicant email
dnyaneshwarbhadange008@gmail.com

applicant names
DNYANESHWAR SHANTARAM BHADANGE, SHOBHA DNYANESHWAR BHANDAGE

printed altered
False

applicant mobile
9767579742

balance transfer
False

property address
pin: 422003; road: Mahadev Colony Road; state: MAHARASHTRA; district: Nashik; full_address: Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA,

insurance premium
50000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
2050000

security address verbatim
Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003

applicant address verbatim
PLOT NO -15 PRARABHADA BANGLOW, SHINDE NAGAR B/H SBI AMT MAKHAMALABAD, NASHIK, SBI ATM, Nashik, MAHARASHTRA, 422003, Nashik, India

raw reading (for Abhijit)

{'lan': 'NHL/NSK/1026/5239637', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'DNYANESHWAR SHANTARAM BHADANGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHOBHA DNYANESHWAR BHANDAGE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': '13.15% per annum\n13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2000000, 'rate_spread': -3.65, 'final_amount': 2050000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '12-Oct-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'dnyaneshwarbhadange008@gmail.com', 'applicant_names': ['DNYANESHWAR SHANTARAM BHADANGE', 'SHOBHA DNYANESHWAR BHANDAGE'], 'printed_altered': False, 'applicant_mobile': '9767579742', 'balance_transfer': False, 'property_address': {'pin': '422003', 'road': 'Mahadev Colony Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': None, 'district': 'Nashik', 'floor_no': None, 'landmark': None, 'full_address': 'Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003', 'village_city': 'Nashik', 'building_name': None, 'survey_or_cts_no': 'S No 45/7 To 9/12 To 18/20/1'}, 'insurance_premium': 50000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 2050000, 'security_address_verbatim': 'Plot No 01, S No 45/7 To 9/12 To 18/20/1, Makhmalabad, Nashik, Samarth Nagar, Nashik, Mahadev Colony Road, Nashik, MAHARASHTRA, India, 422003', 'applicant_address_verbatim': 'PLOT NO -15 PRARABHADA BANGLOW, SHINDE NAGAR B/H SBI AMT MAKHAMALABAD, NASHIK, SBI ATM, Nashik, MAHARASHTRA, 422003, Nashik, India'}

Selfie / photo PHOTO-2026-10-13-18-45-45.jpg needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

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

raw reading (for Abhijit)

{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

Paid challan (GRAS) BHADANGE DNYANESHWAR S EchallanMH011944284202627E.pdf needs your check

grn
MH011944284202627E

pin
422003

total
25770.0

article
6(1)

defaced
False

bank cin
03006172026101301531

district
NASHIK

area city
NASHIK

payer pan
AQFXXXXXXH

flat block
PLOT NO 01 SURVEY NO 45/7 TO 9/12 TO 18/20/1 SAMARTH NAGAR MAHADEV COLONY

payer name
BHADANGE DNYANESHWAR S

sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3587000

scheme rows
{'amount': 10770.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX9742

payment date
13/10/2026-19:12:25

road locality
MAKHMALABAD NASHIK MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
3587000

raw reading (for Abhijit)

{'grn': 'MH011944284202627E', 'pin': '422003', 'total': 25770.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101301531', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'AQFXXXXXXH', 'flat_block': 'PLOT NO 01 SURVEY NO 45/7 TO 9/12 TO 18/20/1 SAMARTH NAGAR MAHADEV COLONY', 'payer_name': 'BHADANGE DNYANESHWAR S', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3587000', 'scheme_rows': [{'amount': 10770.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX9742', 'payment_date': '13/10/2026-19:12:25', 'road_locality': 'MAKHMALABAD NASHIK MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '3587000'}

Technical record (for Abhijit — safe to ignore)

5h 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 AQxxxxxxXH — no paper on the
5h ago	system:ingest	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
5h ago	system:ingest	challan_found_on_case	{'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'BHADANGE DNYANESHWAR S EchallanMH011944284202627E.pdf', 'kind
5h ago	system:ingest	desk_document_shared	{'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'BHADANGE DNYANESHWA
5h ago	system:extract	challan_verified_against_case	{'grn': 'MH011944284202627E', 'file': 'BHADANGE DNYANESHWAR S EchallanMH011944284202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
5h ago	system:extract	challan_extracted	{'grn': 'MH011944284202627E', 'file': 'BHADANGE DNYANESHWAR S EchallanMH011944284202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 25770.0}
5h ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '507758', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the
5h ago	copilot:SANDEEP	copilot_edit	{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
5h ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 16, 'differs': []}
5h ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03478'}
5h ago	ops:copilot	whole_file_hold	{'why': 'EzDocs read the whole file and found two papers that disagree on something the challan would carry', 'stops': ['Two sanction letters with different loan amounts and loan numbers']}
5h ago	system:extract	challan_boxes_by_rules	{'fp': 'b2894e8bcadd3bee', 'why': 'box 1 lost a number the case holds (422003)', 'anew': 'first'}
5h ago	ezdocs:reader	reader_mail_addition	{'fp': 'c7c6128a37776b79', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True}
5h ago	system:extract	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'EAadhaar_0636200270045820230712120258_09092026154353.pdf', 'cards': 1, 'doc_id': 'a7fb687e-2804-4641-af3a-eb534e1a2a05', 'applied':
5h 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': 12, 'trigger': 'quick sweep'}
5h ago	system:ingest	kyc_address_missing	{'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': 'BHADANGE DNYANESHWAR S', 'party_id': 'b29893dc-f59a-479
5h ago	system:reconcile	quoted_history_checked	{}
5h ago	system:reconcile	extra_challan_scanned	{'found': 0}
5h ago	ezdocs:reader	money_settled	{'fp': 'cf21136f3f4770ad', 'held': 3587000.0, 'asked': True, 'action': 'agrees', 'agrees': True, 'amount': 3587000.0, 'papers': [{'lan': 'NHL/NSK/1026/5239637', 'file': 'Sanction letter (34-1).pdf', 'kind': 'sanction_let
5h ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-13T13:32:33', 'why': 'reading', 'open': 20, 'mails': [{'at': '2026-10-13 13:28', 'id': '1a13575bde95c543', 'from': 'branch', 'gist': 'The branch asks the team to process the challan for the loan
5h ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ['Two sanction letters with different loan amounts and loan numbers — Sanction letter (33-1).pdf says LAN HOU/
5h ago	system:emails	email_shadowed:branch_questions	{'to': 'shubham.mahale@phfl.com', 'body': 'Dear Team,\n\nWith reference to the captioned case (LAN: HOU/NSK/0926/5217904), the papers on file leave the following open, and we cannot make the challan until it is settled:\
5h ago	ezdocs:reader	branch_from_reading501	{'why': "the branch's mail named no branch; the papers print this one — the bank's branch-wise summary places the case by it", 'branch': 'NASHIK'}
5h ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '4a65a5e32d1627e7', 'docs': ['Sanction letter (33-1).pdf', 'Sanction letter (34-1).pdf', 'EAadhaar_0636200270045820230712120258_09092026154353.pdf', 'DocScanner 1 Sept 2026 11-48 am.pdf'], 'loan': {
5h ago	system:ingest	pan_by_reading443	{'now': 'AQFPB9718H', 'was': None, 'why': 'the reading of the whole file — which knows whose card a PAN is — puts this PAN on the borrower, the card DocScanner 1 Sept 2026 11-48 am.pdf printing BHADANGE DNYANESHWAR S; th
5h ago	system:ingest	pan_by_reading443	{'now': None, 'was': 'AQFPB9718H', 'why': 'the reading of the whole file gives this PAN to the borrower (DNYANESHWAR SHANTARAM BHADANGE); this row held it', 'person': 'BHADANGE DNYANESHWAR S'}
5h ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'new mail', 'docs': ['Sanction letter (33-1).pdf', 'Sanction letter (34-1).pdf', 'EAadhaar_0636200270045820230712120258_09092026154353.pdf', 'DocScanner 1 Sept 2026 11-48 am.pdf'], 'after': {'addres
5h ago	system:extract	address_compared	{'sig': '2bac15f286ee6e30', 'why': 'after gather', 'people': [{'home': 'Newasa Road, Ward N.6, Bharat Gas Javal, Shrirampur, Ahmadnagar, 413709', 'person': 'DNYANESHWAR SHANTARAM BHADANGE', 'against': [{'src': 'sanction_
5h ago	system:extract	challan_boxes_by_rules	{'fp': 'b2894e8bcadd3bee', 'why': 'box 1 lost a number the case holds (422003)', 'anew': 'first'}
5h ago	ezdocs:reader	reader_home_address	{'fp': '780acbb155e907ee', 'from': 'the sanction letter (Sanction letter (34-1).pdf)', 'home': {'pin': '422003', 'area': 'SHINDE NAGAR B/H SBI AMT MAKHAMALABAD', 'flat': 'PLOT NO -15', 'state': 'MAHARASHTRA', 'building':

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

Papers

A file cannot be used

Selfie / photo — a usable one is being asked for

Money

₹27,565 received — verified

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

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

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

Yesterday · 13 Oct63 things

Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)