⚠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-2026-00277

SHAIKH SHAHID SHABBIR

LAN HOU/GHKP/0726/5181774 Challan paid · our move File on IGR All documents Mails & papers 5

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).

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

✓Selfie / photoopen

✓Payment screenshot — shows ₹27,096; money not verified yetopen

✓Sale deedopen

✓Sanction letteropen

Aadhaar card (CANNOT BE READ — clear copy asked — document is sideways)open

✓PAN card — inside KYC (4).pdfopen

Applicant's Aadhaar Card — still needed

Applicant's PAN Card — still needed

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

All files (5)A label is wrong? Fix it under All documents.

Needs your eyes

Bank over the 15,000 cap — see Facts.
The work is done — our fee of ₹26,320 is still not in our account. Chase the branch for it.
Aadhaar card: copy on file cannot be used. A usable one is being asked for.

MoneyWaiting for the credit

₹26,320

Nothing has reached our account yet. Only a credit our bank shows us counts.

₹0 received — the branch’s receipt claims ₹27,096; we wait for the credit itself

Stamp duty 0.3%9,500

Registration fee 0.5%15,000

Government handling320

Our service fee1,500

Total we ask for26,320

This payment is from the Vyapar QR (HDFC) at 2026-08-26 — the engine cannot hear this road. Please verify manually. Verify manually ↓

By law ₹26,306.30. We ask ₹26,320 (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 OVER THE 15,000 CAP

The branch's filing fee row says Rs.15,810 against Rs.15,000 due. A fee row this size is a typing slip, not a fee. Ask the branch to reissue its working; collect Rs.26,306.30.

the branch's own words

The branch's mail said: filing fee (0.50%): bank says Rs.15,810, computed Rs.15,000 (difference Rs.810)

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 51 h 26 minour time · 3 Sep 21:13

Index II —not yet

the NOI team 46 d 4 htotal 46 d 4 h so far

Now with the NOI team — e-filing on IGR

since 3 Sep 21:13 — 40 d of working time

Day by day — every step and who held it

28 Aug 18:04Your branch's mail

29 Aug 21:58Papers read+1 d 3 h · the NOI team

29 Aug 21:58Property readat once

29 Aug 21:58Papers readat once

29 Aug 21:58Fee quotedat once

3 Sep 21:13Challan made+4 d 23 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹31,62,100

Loan account no.

HOU/GHKP/0726/5181774

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

File the NOI on the IGR site

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.

Before opening the portal, the engine sees:

• Mortgagor pages: NAZMA PARAVIN SHABBIR SHAIKH is named on the sanction letter (Sanction letter - 202.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

• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save

• no challan GRN on the case — upload the paid challan first (its GRN fills the payment page)

• NAZMA PARAVIN SHABBIR SHAIKH: PAN missing — no PAN card of NAZMA PARAVIN SHABBIR SHAIKH is on the file — type the PAN off the person's own card, or ask the branch for it

• NAZMA PARAVIN SHABBIR SHAIKH: birth date missing — no PAN card of NAZMA PARAVIN SHABBIR SHAIKH is on the file — type the birth date off the person's own card, or ask the branch for it

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 trailread by EzDocs as one conversation

The NOI team has received the loan documents and payment, and has generated and shared the GRAS e-challan. The team is currently waiting for the branch to provide the Index II copy to proceed with the NOI filing.

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

the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen

✓ loan papers sent — done, mail 1 (2026-08-28) “Request for NOI, 0.3 % MOI charges Loan No HOU/GHKP/0726/5181774_SHAIKH SHAHID”

✓ fee paid — the branch's words — done, mail 2 (2026-08-28) “We acknowledge the receipt of your mail documents and payment.”

✓ challan made — done, mail 3 (2026-08-28) “PFA challan for your reference..”

✓ challan shared — done, mail 3 (2026-08-28) “PFA challan for your reference..”

? Index II asked for — asked, mail 4 (2026-09-12) “For NOI filing, We need an index 2 copy..”

read over 4 mail(s), last mail 2026-09-12 · read 28d 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 found boxes that do NOT agree with the document (28d ago) — open the verification page; they are marked in red.

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
no filing yet

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.

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.

No draft is waiting on this case. The engine 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 thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.

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

VG vivek.gajare1@phfl.com phfl.com
28 Aug, 18:04 · 46d ago THE APP JOINED HERE — earlier mails are on Gmail

Request for NOI, 0.3 % MOI charges Loan No

📎 IMG-20260828-WA0068.jpg ↗📎 IMG-20260826-WA0078.jpg ↗📎 D Wing_1804_Mr. Shaikh Shahid Shabbir (2) ↗📎 Sanction letter - 202.pdf ↗📎 KYC (4).pdf ↗

Dear Team,

Request for NOI , 0.3 % MOI charges Loan No HOU/GHKP/0726/5181774_SHAIKH SHAHID Loan Amt-: 3162100/- 0.3% challan:-9186/- 0.5% chal /- guarantor charges :26796/- VIVEK GAJARE ? senior Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited ). Mobile - 8169696085 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com

Loan account (LAN)15810/

Service / vendor fees₹1,800

Dear Team,

Request for NOI, 0.3 % MOI charges Loan No HOU/GHKP/0726/5181774_SHAIKH SHAHID

Loan Amt-: 3162100/-

0.3% challan:-9186/-

0.5% challan-15810/-

vendor charges1800/-

guarantor charges26796/-

VIVEK GAJARE?

senior Manager – Ghatkopar Branch.

PHFL Home Loans And Services Limited.

(A Wholly Owned Subsidiary of PNB Housing Finance Limited).

Mobile8169696085

Toll Free :1800 120 8800

Web Site : www.pnbhousing.com

🤖 read: asks for the e-filing copy; documents attached; note: Request for 0.3% MOI charges. — “Request for NOI”

2 more mails in between — open

OL The NOI teamTYPED IN GMAIL
28 Aug, 19:15 · 46d 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 an index 2 copy..

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

earlier mails quoted below

On Fri, 28 Aug 2026 at 18:04, Vivek Dnyaneshwar Gajare 1 < vivek.gajare1@phfl.com > wrote:   
   Dear Team,    Request for   NOI  , 0.3 %  MOI charges   Loan No   HOU/GHKP/0726/5181774_SHAIKH SHAHID     ​      Loan Amt-: 3162100/-     0.3% challan:-9186/-    0.5% challan-15810/-    vendor charges-1800/-    guarantor charges :26796/-            VIVEK GAJARE     ?      senior Manager – Ghatkopar Branch.    PHFL Home Loans And Services Limited.    (A Wholly Owned Subsidiary of PNB Housing Finance Limited  ).      Mobile - 8169696085    Toll Free :  1800 120 8800      Web Site :     www.pnbhousing.com

🤖 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
28 Aug, 19:33 · 46d ago

Team,PFA challan for your reference..

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

earlier mails quoted below

On Fri, 28 Aug 2026 at 19:15, 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 Fri, 28 Aug 2026 at 18:04, Vivek Dnyaneshwar Gajare 1 < vivek.gajare1@phfl.com > wrote:   
   Dear Team,    Request for   NOI  , 0.3 %  MOI charges   Loan No   HOU/GHKP/0726/5181774_SHAIKH SHAHID     ​      Loan Amt-: 3162100/-     0.3% challan:-9186/-    0.5% challan-15810/-    vendor charges-1800/-    guarantor charges :26796/-            VIVEK GAJARE     ?      senior Manager – Ghatkopar Branch.    PHFL Home Loans And Services Limited.    (A Wholly Owned Subsidiary of PNB Housing Finance Limited  ).      Mobile - 8169696085    Toll Free :  1800 120 8800      Web Site :     www.pnbhousing.com      

Team,

PFA challan for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Fri, 28 Aug 2026 at 19:15, 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 Fri, 28 Aug 2026 at 18:04, Vivek Dnyaneshwar Gajare 1 <
vivek.gajare1@phfl.com> wrote:

> Dear Team,
>
> Request for NOI, 0.3 %  MOI charges   Loan No  HOU/GHKP/0726/5181774_SHAIKH
> SHAHID
>
> ​
>
>  Loan Amt-: 3162100/-
>
>  0.3% challan:-9186/-
> 0.5% challan-15810/-
>
> vendor charges-1800/-
> guarantor charges :26796/-
>
>
> *VIVEK GAJARE**?*
>
> senior Manager – Ghatkopar Branch.
>
> PHFL Home Loans And Services Limited.
>
> (A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*
>
> Mobile - 8169696085
>
> Toll Free :*1800 120 8800*
>
> Web Site : *www.pnbhousing.com <http://www.pnbhousing.com/>*
>

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

OL The NOI teamTYPED IN GMAIL
12 Sep, 12:58 · 31d ago

Team,

For NOI filing, We need an index 2 copy..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Fri, 28 Aug 2026 at 19:33, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Team,

PFA challan for your reference..

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Fri, 28 Aug 2026 at 19:15, 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 <(809)%20724-4974>*
>
>
> On Fri, 28 Aug 2026 at 18:04, Vivek Dnyaneshwar Gajare 1 <
> vivek.gajare1@phfl.com> wrote:
>
>> Dear Team,
>>
>> Request for NOI, 0.3 %  MOI charges   Loan No  HOU/GHKP/0726/5181774_SHAIKH
>> SHAHID
>>
>> ​
>>
>>  Loan Amt-: 3162100/-
>>
>>  0.3% challan:-9186/-
>> 0.5% challan-15810/-
>>
>> vendor charges-1800/-
>> guarantor charges :26796/-
>>
>>
>> *VIVEK GAJARE**?*
>>
>> senior Manager – Ghatkopar Branch.
>>
>> PHFL Home Loans And Services Limited.
>>
>> (A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*
>>
>> Mobile - 8169696085 <(816)%20969-6085>
>>
>> Toll Free :*1800 120 8800*
>>
>> Web Site : *www.pnbhousing.com <http://www.pnbhousing.com/>*
>>
>

🤖 read: asks the branch for documents — “We need an index 2 copy..”

OL The NOI teamTYPED IN GMAIL
03 Oct, 17:19 · 10d ago

Team,

For NOI filing, We need an index 2 copy..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Sat, 12 Sept 2026 at 12:58, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For NOI filing, We need an index 2 copy..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 28 Aug 2026 at 19:33, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 28 Aug 2026 at 19:15, 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 Fri, 28 Aug 2026 at 18:04, Vivek Dnyaneshwar Gajare 1 < vivek.gajare1@phfl.com > wrote:

Dear Team,
Request for  NOI  , 0.3 %  MOI charges  Loan No  HOU/GHKP/0726/5181774_SHAIKH SHAHID
​

Loan Amt-: 3162100/-
0.3% challan:-9186/-
0.5% challan-15810/-
vendor charges-1800/-
guarantor charges :26796/-

VIVEK GAJARE  ?
senior Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited  ).
Mobile -  8169696085
Toll Free :  1800 120 8800
Web Site :  www.pnbhousing.com

🤖 read: asks the branch for documents — “For NOI filing, We need an index 2 copy..”

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
Selfie / photo	IMG-20260828-WA0068.jpg	filed	45d ago
Payment screenshot	IMG-20260826-WA0078.jpg	filed	45d ago
Sale deed	D Wing_1804_Mr. Shaikh Shahid Shabbir (2) (2).pdf	filed	45d ago
Sanction letter	Sanction letter - 202.pdf	filed	45d ago
Aadhaar card+ PAN card inside	KYC (4).pdf	CANNOT BE READ — clear copy asked	45d 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
₹26,320

Where it stands
waiting for the credit

Screenshot claims
₹27,096 128557157748

This payment is from the Vyapar QR (HDFC) at 2026-08-26 — the engine cannot hear this road. Please verify manually. Verify manually ↓

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹9,500	₹15,000	₹320	₹1,500	₹26,320

By law ₹26,306.30. We ask ₹26,320 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Property type (Open / Building / Open + Building), Area, Area unit (Sq.mt. / Sq.ft.) …

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, derived, or EzDocs was not sure: District, Taluka, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number type, Second number …

✗ EzDocs found boxes that do NOT agree with the document (28d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (Sanction letter - 202.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)

empty

Number

empty

✓ 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.

Flat No. 1804, 18th Floor, D Wing,, Type C3, Building No. 20,, Mohan Precious Green Phase I, ambernath-east, MIDC Residential Zone, Ambernath East, Thane, B Cabin Road, Morivali Village, Thane, MAHARASHTRA, India, 421501

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 - 202.pdf

as printed
FLAT NO. 1804, 18TH FLOOR, D WING, TYPE C3, BUILDING NO. 20, MOHAN PRECIOUS GREEN PHASE I, AMBERNATH-EAST, MIDC RESIDENTIAL ZONE, AMBERNATH EAST, THANE, B CABIN ROAD, MORIVALI VILLAGE, THANE, MAHARASHTRA, INDIA, 421501

PIN
421501

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 1804 18TH FLOOR D WING TYPE C3 BUILDING NO 20 MOHAN PRECIOUS GREEN PHASE I AMBERNATH-EAST

Locality/Road
MIDC RESIDENTIAL ZONE AMBERNATH EAST THANE B CABIN ROAD MORIVALI VILLAGE MAHARASHTRA

Area/City
THANE

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	Shaikh Shahid Shabbir	GFIPS9496R	…0038

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
fee quote	vivek.gajare1@phfl.com	45d ago
document chase	vivek.gajare1@phfl.com	45d ago
document chase	vivek.gajare1@phfl.com	42d ago

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

Payment screenshot IMG-20260826-WA0078.jpg needs your check

utr
128557157748

date
2026-08-26

amount
27096

method
Google Pay

payee upi
vyapar.169705262080@hdfcbank

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
SHAHID SHABBIR SHAIKH

raw reading (for Abhijit)

{'utr': '128557157748', 'date': '2026-08-26', 'amount': 27096, 'method': 'Google Pay', 'payee_upi': 'vyapar.169705262080@hdfcbank', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'SHAHID SHABBIR SHAIKH', 'debit_notification_text': None}

Sanction letter Sanction letter - 202.pdf needs your check

lan
HOU/GHKP/0726/5181774

loan type
Housing Loan

confidence
1

loan amount
3070000

interest rate
8.5

sanction date
03-Aug-2026

letter version
4

applicant names
SHAIKH SHAHID SHABBIR, NAZMA PARAVIN SHABBIR SHAIKH

property address
pin: 421501; road: B Cabin Road; state: MAHARASHTRA; taluka: Ambernath; flat_no: 1804; district: Thane; floor_no: 18th Floor; landmark: MIDC Residential Zone; full_address: Flat No. 1804, 18th Floor, D Wing,, Type C3, Bu

insurance premium
92100

includes insurance
True

total with insurance
3162100

applicant address from462
read again off the letter's pages (page 1, Address row)

security address verbatim
Flat No. 1804, 18th Floor, D Wing,, Type C3, Building No. 20,, Mohan Precious Green Phase I, ambernath-east, MIDC Residential Zone, Ambernath East, Thane, B Cabin Road, Morivali Village, Thane, MAHARASHTRA, India, 421501

applicant address verbatim
5TH FLOOR ROOM NO-504 A WING, 2ND CARPENTER STREET SANKALP NIKETAN, MAZGAON MUMBAI,., Mumbai, MAHARASHTRA, 400010, Mumbai, India

raw reading (for Abhijit)

{'lan': 'HOU/GHKP/0726/5181774', 'loan_type': 'Housing Loan', 'confidence': 1, 'loan_amount': 3070000, 'interest_rate': 8.5, 'sanction_date': '03-Aug-2026', 'letter_version': '4', 'applicant_names': ['SHAIKH SHAHID SHABBIR', 'NAZMA PARAVIN SHABBIR SHAIKH'], 'property_address': {'pin': '421501', 'road': 'B Cabin Road', 'state': 'MAHARASHTRA', 'taluka': 'Ambernath', 'flat_no': '1804', 'district': 'Thane', 'floor_no': '18th Floor', 'landmark': 'MIDC Residential Zone', 'full_address': 'Flat No. 1804, 18th Floor, D Wing,, Type C3, Building No. 20,, Mohan Precious Green Phase I, ambernath-east, MIDC Residential Zone, Ambernath East, Thane, B Cabin Road, Morivali Village, Thane, MAHARASHTRA, India, 421501', 'village_city': 'Morivali Village', 'building_name': 'D Wing, Type C3, Building No. 20, Mohan Precious Green Phase I', 'survey_or_cts_no': None}, 'insurance_premium': 92100, 'includes_insurance': True, 'total_with_insurance': 3162100, 'applicant_address_from462': "read again off the letter's pages (page 1, Address row)", 'security_address_verbatim': 'Flat No. 1804, 18th Floor, D Wing,, Type C3, Building No. 20,, Mohan Precious Green Phase I, ambernath-east, MIDC Residential Zone, Ambernath East, Thane, B Cabin Road, Morivali Village, Thane, MAHARASHTRA, India, 421501', 'applicant_address_verbatim': '5TH FLOOR ROOM NO-504 A WING, 2ND CARPENTER STREET SANKALP NIKETAN, MAZGAON MUMBAI,., Mumbai, MAHARASHTRA, 400010, Mumbai, India'}

Aadhaar card KYC (4).pdf needs your check

dob
1996-11-29

pan
GFIPS9496R

name
Shaikh Shahid Shabbir

aadhaar last4
0038

raw reading (for Abhijit)

{'dob': '1996-11-29', 'pan': 'GFIPS9496R', 'name': 'Shaikh Shahid Shabbir', 'aadhaar_last4': '0038'}

Aadhaar card KYC (4).pdf needs your check

dob
1974-01-01

pan
AMXPS9883Q

name
NAZMA PARAVIN SHABBIR SHAIKH

legible
False

quality issue
document is sideways

raw reading (for Abhijit)

{'dob': '1974-01-01', 'pan': 'AMXPS9883Q', 'name': 'NAZMA PARAVIN SHABBIR SHAIKH', 'legible': False, 'aadhaar_last4': None, 'quality_issue': 'document is sideways'}

Payment screenshot IMG-20260826-WA0078.jpg needs your check

payments inside
bank: HDFC Bank; kind: payment_screenshot; payments: [{'utr': '128557157748', 'date': '2026-08-26', 'page': 1, 'time': '22:05', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 27096.0, 'direction': 'debit', 'narratio

raw reading (for Abhijit)

{'payments_inside': {'bank': 'HDFC Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '128557157748', 'date': '2026-08-26', 'page': 1, 'time': '22:05', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 27096.0, 'direction': 'debit', 'narration': 'UPI transaction ID 128557157748 To: THINK BIGZ INITIATIVE PVT LTD vyapar.169705262080@hdfcbank From: SHAHID SHABBIR SHAIKH (HDFC Bank) Google Pay shahid.shaik78617@okhdfcbank Google transaction ID CICAgLjHO_mWag', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': None, 'account_holder': 'SHAHID SHABBIR SHAIKH'}}

Technical record (for Abhijit — safe to ignore)

1h ago	ezdocs:reader	reader_home_address	{'fp': 'aa6369ced463544d', 'from': 'the sanction letter (Sanction letter - 202.pdf)', 'home': {'pin': '400010', 'area': 'MAZGAON', 'flat': 'ROOM NO-504', 'road': '2ND CARPENTER STREET', 'floor': '5TH FLOOR', 'state': 'MA
13d ago	ezdocs:reader	letter_home_read462	{'fp': 'doc:c82b7671-dff0-4670-b416-af64320d7b13', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'Sanction letter - 202.pdf', 'asked': True, 'found': T
20d ago	system:payments	hidden_payment_scan	{'file': 'IMG-20260826-WA0078.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '3d4d92c6-f48f-4863-9d86-c530c797eb5b', 'fetched': True}
20d ago	system:payments	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260826-WA0078
20d ago	system:payments	claim_part_duplicate	{'utr': '128557157748', 'date': '2026-08-26', 'parts': 1, 'amount': 27096.0, 'claimed_total': 27096.0}
28d ago	system:ingest	trail_read	{'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_
28d ago	system:ingest	title_doc_on_case_filing_open	{'was': 'BANK', 'why': "the sweep — the branch's title document is on the case — the filing is the NOI team's move", 'file': 'D Wing_1804_Mr. Shaikh Shahid Shabbir (2) (2).pdf', 'kind': 'sale_deed'}
28d ago	system:extract	property_self_check	{'ok': False, 'why': "the reader judged every property box against the document's own words — the boxes named do not agree, or the reader could not be reached", 'notes': '', 'issues': [{'box': 'Taluka', 'why': "The Taluk
40d ago	system:emails	draft_withdrawn	{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 2, 'first_lines': [None, "Dear Team,\n\nWith reference to the captioned case (LAN: HOU/GHKP/07
40d ago	system:reconcile	stage_follows_desk_challan_mail	{'now': 'CHALLAN_PAID', 'why': 'the desk sent the challan on this thread and no branch mail came after it to trigger the usual re-read'}
40d ago	system:reconcile	challan_inferred_from_desk_mail	{'why': "the desk's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread; the stage follows the desk's deed"}
41d ago	system:extract	document_reread	{'now': ['aadhaar', 'pan'], 'was': ['aadhaar'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'KYC (4).pdf', 'doc_id': '90a3ec84-2604-45d9-8283-6b2907eba87f', 'f
41d ago	system:extract	document_unreadable	{'reason': 'document is sideways', 'doc_type': 'pan'}
42d ago	system:reconcile	base_adopted_from_sanction	{'now': 3162100.0, 'was': 3070000.0, 'why': 'the sanction letter on file states a total WITH insurance — that is the fee base; the figures re-work themselves'}
42d ago	system:emails	email_shadowed:doc_chase	{'to': 'vivek.gajare1@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: HOU/GHKP/0726/5181774), the following is pending from your end:\n\n 1. Applicant's PAN Card — not received yet\n\nAlread
45d ago	system:emails	email_shadowed:doc_chase	{'to': 'vivek.gajare1@phfl.com', 'subject': 'Request for NOI, 0.3 % MOI charges Loan No', 'body_preview': "Dear Team,\n\nGreetings from ICICIHFCNOI NOI Desk.\n\nWith reference to the captioned case (LAN: HOU/GHKP/0726
45d ago	system:emails	email_shadowed:fee_quote	{'to': 'vivek.gajare1@phfl.com', 'subject': 'Request for NOI, 0.3 % MOI charges Loan No', 'body_preview': 'Dear Team,\n\nFee computation for the captioned case (LAN: HOU/GHKP/0726/5181774):\n\n Loan Amount :
45d ago	system:payments	receivable_created	{'expected': 26010.0}
45d ago	system:fees	fee_mismatch_with_bank	{'differences': ['stamp duty (0.30%): bank says Rs.9,186, computed Rs.9,210 (difference Rs.-24)', 'filing fee (0.50%): bank says Rs.15,810, computed Rs.15,000 (difference Rs.810)']}
45d ago	system:ingest	document_received	{'file': 'KYC (4).pdf', 'doc_type': 'aadhaar', 'confidence': 0.99}
45d ago	system:extract	property_address_extracted	{'confidence': 1, 'full_address': 'Flat No. 1804, 18th Floor, D Wing,, Type C3, Building No. 20,, Mohan Precious Green Phase I, ambernath-east, MIDC Residential Zone, Ambernath East, Thane, B Cabin Road, Morivali Village
45d ago	system:ingest	document_received	{'file': 'Sanction letter - 202.pdf', 'doc_type': 'sanction_letter', 'confidence': 0.9}
45d ago	system:ingest	document_received	{'file': 'D Wing_1804_Mr. Shaikh Shahid Shabbir (2) (2).pdf', 'doc_type': 'sale_deed', 'confidence': 0.99}
45d ago	system:ingest	document_received	{'file': 'IMG-20260826-WA0078.jpg', 'doc_type': 'payment_screenshot', 'confidence': 0.99}
45d ago	system:ingest	document_received	{'file': 'IMG-20260828-WA0068.jpg', 'doc_type': 'selfie', 'confidence': 0.99}
45d ago	system:ingest	intake_table_parsed	{'bank_stated_fees': '{"bank_sd": 9186.0, "bank_ff": 15810.0}'}
45d ago	system:ingest	case_created	{'lan': 'HOU/GHKP/0726/5181774', 'bank': 'PNB_HFL', 'thread_id': '1a0485d6ecf72b11'}

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

Papers

2 still needed for the challan

Applicant's Aadhaar Card, Applicant's PAN Card

Money

₹27,096 claimed · credit not seen

Counts as received only on the 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: Bank over the 15,000 cap — see Facts. The work is done — our fee of ₹26,320 is still not in our account. Chase the branch for it. Aadhaar card: copy on file cannot be used. A usable one is being asked for.

Today · 13 Oct1 thing

The home address was read off the papers — by ezdocs:reader