⚠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.
Pratik Raju Patil
LAN 7792139358Loan ₹24,40,000Property loanWaiting for the Index IIMails & papers 20 2 drafts to send
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
5 Sep, 12:33
Documents
Payment
Challan
done 19 Sep, 13:43 · GRAS ↗
Filing
waiting 24d 10h · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
waiting on the branchChallan paid · the trail says: The branch has provided the loan documents, paid the fee, and shared the challan. The team is now waiting for the color selfie photo of the applicant for the…whole case so far 38d 11h
Needs your eyes4
In the branch's mail of 5 Sep (from amit.keshri@icicihfc.com, “ Request you to initiate MODT Challan and NOI Process in case of PRATI”), a DIFFERENT PERSON'S PAN card is attached: CoApplicant_PAN_17082026122700056.jpg is SURESH GOVINDA CHAUDHARI (PAN BLPPP4010A)'s, not Pratik Raju Patil's. Please check with the branch. It is not used — Pratik's own PAN card is typed.
Mail bounced — the branch did not get it. Re-send.
Selfie / photo: copy on file cannot be used. A usable one is being asked for.
1 difference(s) between the papers to look at once — none stops the challan. See them →
NEXT STEPwaiting on the branch
Wait for the branch's Index II, then file the NOI
The challan is paid.
The branch has not sent the title document (the Index II of the sale deed, or the sale deed) — the e-filing starts from its document number. The engine asked for it with the challan mail and asks again every few days. In hand? Upload it under ⋯ → Papers.
Before opening the portal, the engine sees:
• check — In the branch's mail of 5 Sep (from amit.keshri@icicihfc.com, “ Request you to initiate MODT Challan and NOI Process in case of PRATI”), a DIFFERENT PERSON'S PAN card is attached: CoApplicant_PAN_17082026122700056.jpg is SURESH GOVINDA CHAUDHARI (PAN BLPPP4010A)'s, not Pratik Raju Patil's. Please check with the branch. It is not used — Pratik's own PAN card is typed.
• Mortgagor pages: SURESH GOVINDA CHAUDHARI is NOT typed — a card of ANOTHER CUSTOMER on this file (the name is none of this file's people: the sanction letter's borrowers and the request's customer). Ask the branch whose paper it is.
• no challan GRN on the case — upload the paid challan first (its GRN fills the payment page)
• DO NOT SAVE — Kalpana Raju Patil's PAN: the PAN on the case (BLPPP4010A) is SURESH GOVINDA CHAUDHARI's card (CoApplicant_PAN_17082026122700056.jpg), not the payer's, and no PAN card of Kalpana Raju Patil is on the case. The PAN box is left EMPTY — read the payer's own card onto the case (upload it, or type the PAN off it).
• Kalpana Raju Patil: PAN missing — Kalpana Raju Patil's own Aadhaar (CoApplicant_Aadhar_17082026122700012.jpeg) is read but no PAN comes off it — read it off the card beside the form
• 11 property box(es) not from the Index II / derived / unsure — amber on the portal: hadd_type, hadd_name, road, attr2_type, attr2_value, building_name
How — one e-filing tab, the co-pilot fills
Press the button; 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. Not logged in yet today? open the portal. The co-pilot creates the token from the Date of Mortgage, opens each page and fills it, checked by EzDocs; you check, do photo and thumb, press each Save and the final submit. Then press Filed on IGR so the branch hears it. New to it? Rehearse on the practice copy.
Historywhat happened on this case, newest first
Today · 13 Oct1 thing
The home address was read off the papers — by ezdocs:reader
10 Oct6 things — 3 cautions · 3 steps
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
EzDocs read the whole trail as one conversation — where the case stands is on the page
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
29 Sep20 things — 1 document received · 19 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
address compared
challan boxes composed
index2 docno read
box disagreement
property self check
property from index2
index2 people checked
index2 pan differs
property numbers completed
documents read together
property self check
property from index2
index2 people checked
property english extracted
index2 people checked
Index II (title document) received from the branch
Received: Index II
Prati Index II.pdf
26 Sep6 things — 6 steps
mail read as shown
mail read as shown
mail read as shown
mail read as shown
mail read as shown
mail read as shown
19 Sep8 things — 8 steps
gpay settled
boxes gathered
challan boxes composed
A box the papers had not filled was read off a paper and corrected
A box the papers had not filled was read off a paper and corrected
A box the papers had not filled was read off a paper and corrected
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
15 Sep5 things — 5 steps
kyc address read
kyc address missing
kyc address read
kyc address read
EzDocs read the whole trail as one conversation — where the case stands is on the page
14 Sep5 things — 5 steps
property self check
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
claim part duplicate
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
claim part duplicate
13 Sep1 thing — 1 step
property attrs split
7 Sep4 things — 1 document received · 1 letter written · 2 steps
desk documents backfill
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Challan
PRATIK RAJU PATIL EchallanMH009695057202627E.pdf
Property read from the legal / technical report (the sanction letter had none)
5 Sep59 things — 18 documents received · 5 letters written · 13 cautions · 23 steps
Moved to 'challan paid' on the NOI team's own mail
The NOI team's own mail said the challan went — the case followed.
documents read together
screenshot claim recorded
screenshot claim recorded
Received: Payment screenshot
IMG-20260905-WA0021.jpg
Received: Payment screenshot
IMG-20260905-WA0019.jpg
Wrote the documents acknowledged mail — held, silent mode
Re: Request you to initiate MODT Challan and NOI Process in case of PRATIK RAJU PATIL - 7792139358
An old draft withdrew itself — its asks were already answered
documents read together
screenshot claim recorded
screenshot claim recorded
Received: Payment screenshot
WhatsApp Image 2026-03-20 at 10.12.12 AM (3) (2) (3) (36).jpeg
Received: other
WhatsApp Image 2026-04-16 at 2.37.06 PM (3) (36).jpeg
Received: Payment screenshot
WhatsApp Image 2026-03-20 at 10.12.12 AM (1) (1) (2) (3) (36).jpeg
Received: other
WhatsApp Image 2026-03-20 at 10.12.12 AM (2) (1) (2) (3) (36).jpeg
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
quoted history checked
desk quote read
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
Wrote the document chase mail — held, silent mode
Re: Request you to initiate MODT Challan and NOI Process in case of PRATIK RAJU PATIL - 7792139358
An old draft withdrew itself — its asks were already answered
documents read together
The branch's mail and the sanction letter name different loan amounts — we follow the letter; confirm the mortgage amount
Stamp duty follows the mortgage amount — a wrong base is a wrong challan.
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
extra challan scanned
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
half read mail reread
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
Wrote the document chase mail — held, silent mode
Request you to initiate MODT Challan and NOI Process in case of PRATIK RAJU PATIL - 7792139358
Wrote the fee quote mail — held, silent mode
Request you to initiate MODT Challan and NOI Process in case of PRATIK RAJU PATIL - 7792139358
documents read together
Received: other
image.png
Co-applicant added
Received: Aadhaar
Applicant_Aadhar_13082026121000001.jpeg
Co-applicant added
Co-applicant added
Received: Aadhaar
CoApplicant_Aadhar_17082026122700012.jpeg
Received: PAN card
CoApplicant_PAN_17082026122700056.jpg
Received: Aadhaar
CoApplicant_Aadhar_17082026124000007.jpeg
Received: PAN card
CoApplicant_PAN_17082026124000046.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
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: Technical report
IND_APF_REPORT_PRP105678VAL1.pdf
Document could not be read — a clear copy was asked for
this is a formal passport-style photo, not a live selfie
Received: Selfie — not usable
P Photo.jpg — this is a photograph of a passport-size print, not a live selfie
Received: Sanction letter
KFSLetter_7792139358.pdf
Received: Selfie — not usable
Kalpana photo.jpg — this is a photograph of a passport-size print, not a live selfie
Received: PAN card
Applicant_PAN_13082026121000043 (1).pdf
Received: Selfie — not usable
Raju photo.jpg — this is a formal passport-style photo, not a live selfie
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 needs2 still to come
8 of 10 in hand · the challan is done — these are for the filing / KYC
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a passport-size print, not a live selfie)open
✓PAN cardopen
✓Sanction letteropen
✓Technical reportopen
✓Aadhaar cardopen
✓Paid challan (GRAS)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Applicant's Selfie / Photo — for the e-filing visit later
Mails & papers →every paper, beside its mail · 20 files
The whole file has not been read yet20 papers on file
Moneyall of it is in
₹21,590
Reached our account 19 Sep 13:43:00.
How we know
Our own bank told us — 19 Sep 13:43
₹21,690 · from GPAY-BIZ
“₹21,690 received from SONAWANE B V at 1:43 pm”
Matched by: the screenshot's amount equals this credit · Google's alert; the NEFT has settled
The working
Stamp duty 0.3%7,330
Registration fee 0.5%12,210
Government handling350
Our service fee1,700
Total we ask for21,590
By law ₹21,570. We ask ₹21,590 (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.
Propertyby the engine, from the Index II
22b, Ground Floor, SANT DYNAESHWAR NAGAR, GAT, 458, Moshi, 412105
read from the Index II · e-filing boxes 54 of 70 ready
Check the property →the boxes beside the paper
People
Kalpana Raju Patil · co-applicantBLPPP4010ASURESH GOVINDA CHAUDHARI · co-applicantBLPPP4010ARaju Sarnagdhar Patil · co-applicantAFMPP4971QPRATIK RAJU PATIL · applicantEDXPP2868H
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