⚠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.
Gautam K N
LAN HOU/PM/0926/5225903Loan ₹44,10,000NOIMails & papers 9 1 new 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
8 Oct, 19:37
Documents
Payment
done 8 Oct, 19:39 · Copilot
Challan
took 20m · GRAS ↗
Filing
took 4d 16h · IGR e-filing ↗
E-filing copy
done today 12:20
Index II
waiting 11h 23m
their moveIndex II pendingwhole case so far 5d 4h
Needs your eyes2
Selfie / photo: copy on file cannot be used. A usable one is being asked for.
Sale deed: copy on file cannot be used. A usable one is being asked for.
NEXT STEPour move
Send the Index II when it arrives
The e-filing copy is with the branch. This case closes when the government's Index II is shared.
Historywhat happened on this case, newest first
Today · 13 Oct27 things
dhc prn read
efiling copy read
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9991310260168.pdf
copilot check ok — by copilot
form checked489
copilot edit — by copilot:ANJU
A file was read again from the start — everything inside it now counts
paper read beside case
reading error456
copilot check issues — by copilot
form checked489
copilot pick — by copilot
copilot pick — by copilot
copilot pick — by copilot
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check issues — 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
Yesterday · 12 Oct19 things — 1 document received · 1 letter written · 17 steps
The branch's title document is on the case — the filing is the NOI team's move
index2 docno read
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
address compared
documents read together
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
index2 pan differs
Index II (title document) received from the branch
Received: Index II
gautam index 2.pdf
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03319 | HOU/PM/0926/5225903
An old draft withdrew itself — its asks were already answered
9 Oct1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03319 | HOU/PM/0926/5225903
8 Oct78 things — 12 documents received · 3 letters written · 1 money step · 2 cautions · 60 steps
quoted history checked
challan boxes gathered
boxes gathered
challan boxes by rules
extra challan scanned
desk documents backfill
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
GAUTAM K N EchallanMH011654573202627E.pdf
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
documents read together
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: PAN card
PHOTO-2026-09-19-10-52-38.jpg
copilot edit — by copilot:DARBAR
copilot check issues — by copilot
form checked489
reading boxes not the papers words — by copilot
challan boxes by rules
copilot edit — by copilot:DARBAR
copilot check issues — by copilot
form checked489
reading boxes not the papers words — by copilot
challan boxes by rules
reading boxes not the papers words — by copilot
challan boxes by rules
property self check
kyc address missing
kyc address missing
reading boxes not the papers words — by copilot
file note490
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
challan boxes by rules
The home address was read off the papers — by ezdocs:reader
reader mail addition — by ezdocs:reader
paper broken498
boxes gather failed
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-03319
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The payment proof already on the case was applied
property numbers completed
documents read together
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
roles from letter
Co-applicant added
Received: other
image001.jpg
money settled — by ezdocs:reader
roles from letter
Received: PAN card
PHOTO-2026-09-19-11-02-09.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
case read started — by ezdocs:reader
Received: Aadhaar
PHOTO-2026-09-19-11-02-10.jpg
applicant email captured
Property address read from the sanction letter
card name not read454
Received: Selfie — not usable
PHOTO-2026-09-19-10-52-12.jpg — this is a photograph of a passport-size print, not a live selfie
Received: Aadhaar
PHOTO-2026-09-19-10-52-37.jpg
credit seen before bill
Payment proof arrived before the case was quoted — held
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: Sale deed — not usable
DEED OF ASSIGNMENT NYATI ETHOS-II THAMES FLAT NO. 1202(1).do — could not be read
Received: Sanction letter
sanction lattre gautam.pdf
Received: Payment screenshot
PHOTO-2026-10-08-17-04-08.jpg
Received: Selfie — not usable
Gautam co.png — this is a photograph of a passport-size print, not a live selfie
Received: Aadhaar
PHOTO-2026-09-19-10-52-38.jpg
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 needs3 still to come
8 of 11 in hand · the challan is done — these are for the filing / KYC
✓Aadhaar cardopen
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a passport-size print, not a live selfie)open
✓Sanction letteropen
Sale deed (CANNOT BE READ — clear copy asked)open
✓PAN cardopen
✓Paid challan (GRAS)open
✓E-filing copy (token)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 · 14 files
The file, as the engine remembers it17 open
File is for PNB Housing Finance Ltd, loan HOU/PM/0926/5225903, applicant Gautam K N, co-applicant Namrata Naomi Gautam. Sanction letter is present along with PAN and Aadhaar cards. MOTD and Index II are missing.
○the photo — the branch
✗the photo could not be read (Gautam co.png) — the branch — this is a photograph of a passport-size print, not a live selfie
✗the sale deed could not be read (DEED OF ASSIGNMENT NYATI ETHOS-II THAMES FLAT NO. 1202(1).docx) — the branch
✗the photo could not be read (PHOTO-2026-09-19-10-52-12.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
○GAUTAM KN — home building — the branch
○GAUTAM KN — home flat — the branch
○GAUTAM KN — home road — the branch
○GAUTAM KN — home PIN — the branch
○GAUTAM KN — home village / city — the branch
○Namrata Naomi Gautam — mobile — the branch
… and 7 more
?unsure of date_of_mortgage — No memorandum of deposit of title deeds (MOTD) is present on the file.
?unsure of title_deed — No registered Index II or Sale Deed is present on the file.
the branch's last mail (2026-10-12): The branch is attaching the index II for the case. · brought: Index II; title deed held
read once, kept; every new mail and paper is read against this note · kept 2026-10-12T11:46 UTC
Moneyall of it is in
₹30,060.76
Reached our account 8 Oct 17:03:27.
How we know
Our own bank told us — 8 Oct 17:03
₹30,200 · UTR 130935528634 · from VD-HDFCBN-S
“Successful! You have received Rs. 30200.00 via HDFC Bank SmartHub Vyapar from ASHUTOSH K . RRN-130935528634 , Check: https://1.hdfc.bank.in/HDFCBK/s/nplbPVmO”
Matched by: the screenshot's amount AND its minute agree with this credit
The working
Stamp duty 0.3%13,240
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for30,060.76
By law ₹30,050. We ask ₹30,060 (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
1202, 12th, Nyati Ethos II, Building C-II (Thames), SURVEY, 19, Undri, 411060
read from the Index II · e-filing boxes 39 of 46 ready
Check the property →the boxes beside the paper
People
GAUTAM KN · applicantAJMPG2829ANamrata Naomi Gautam · co-applicantBSTPG7193J
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