⚠The PNB mailbox has used 132% of what Google lets it send in 24 hours (660 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
Saraswati Aagam Somani
LAN 10341183Loan ₹30,00,000NOIMails & papers 5 2 new 3 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
yesterday 13:52
Documents
waiting 21h 50m
Payment
Challan
Filing
on the IGR site · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
waiting on the branchNeeds documentswhole case so far 21h 51m
Needs your eyes1
1 difference(s) between the papers to look at once — none stops the challan. See them →
NEXT STEPwaiting on the branch
Waiting on the branch
Outstanding: Payment Screenshot with UTR. The engine has asked — nothing to do here unless you want to phone the branch.
Historywhat happened on this case, newest first
Yesterday · 13 Oct58 things
The pay link from the fee mail was opened — on the record only; it ties no money — by bank-pay:icici_hfc
desk quote read
desk quote read
quoted history checked
extra challan scanned
file note490
Nothing new to ask for — stayed quiet
paper read beside
Property read from the legal / technical report (the sanction letter had none)
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
Wrote the document chase mail — held, silent mode
Re: 0.3 0.5 SARASWATI AAGAM SOMANI 10341183 //77000362537
An old draft withdrew itself — its asks were already answered
address compared
documents read together
Property checked by the engine — read from the report, every box that names the flat is there
money settled — by ezdocs:reader
money not settled
Property read from the legal / technical report (the sanction letter had none)
Nothing new to ask for — stayed quiet
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03450
applicant email captured
roles from letter
Received: Sanction letter
KFSLetter_77000362537 (1).pdf
Received: Technical report
IND_APF_REPORT_10341183VAL1.pdf
file note490
branch questions drafted
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
0.3 0.5 SARASWATI AAGAM SOMANI 10341183 //77000362537
Not asked of the bank — what the reading stopped on means the same, or is not the property
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
case read started — by ezdocs:reader
Wrote the document chase mail — held, silent mode
0.3 0.5 SARASWATI AAGAM SOMANI 10341183 //77000362537
boxes gathered
Nothing new to ask for — stayed quiet
documents read together
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Co-applicant added
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Received: PAN card
pan mom saraswati.jpg
Received: Aadhaar
Saraswati aadhar card.pdf
Selfie checked — a live one
A real selfie — usable for the e-filing.
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: Aadhaar
meena aadhar card.pdf
Received: Selfie
pic saras.jpg
Received: PAN card
Saraswati pan card.pdf
Received: Selfie — not usable
pic mom saraswati.jpg — this is a photograph of a passport-size print, 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.
Papers2 still to come
6 of 8 in hand · for the challan and the filing
✓Selfie / photoopen
✓PAN cardopen
✓Aadhaar cardopen
✓Technical reportopen
✓Sanction letteropen
Payment Screenshot with UTR — still needed
✓Property address — verified by the engine, from the technical report (correct below if anything is off)
Index II copy / Title document — for the e-filing visit later
✓ PAN and Aadhaar name the same person — checked by the engine: MEENA MUKESH SOMANI
Mails & papers →every paper, beside its mail · 8 files
The file, as the engine remembers it8 open
The file contains KYC documents (Aadhaar and PAN cards) for Saraswati Aagam Somani and Meena Mukesh Somani, along with a branch request mentioning a loan amount of 30,00000 and a property address. However, crucial property papers (such as the sanction letter, technical report, Index II, and sale dee
○the payment screenshot — the branch
○the Index II — the branch
✗the photo could not be read (pic mom saraswati.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
○MEENA MUKESH SOMANI — e-mail — the branch
○property — taluka — the branch
○property — title deed held — the branch
○this desk's fee (Rs 26060) — the branch
✗the papers disagree on Missing property and title papers (the branch's request: Flat no 209 2nd floor B WING MATHURESH KRUPA CHSL AVENUE A1 ) — a person — Ask the branch to provide the Sanction Letter, Technical Report, and registered Index II or Sale Deed for the property.
?unsure of property — No property papers (Index II, technical report, sale deed) are present on the file.
the branch's last mail (2026-10-13): The branch has sent attachments. · brought: the sanction letter and technical report for the property; the sanction letter and technical report for the property
read once, kept; every new mail and paper is read against this note · kept 2026-10-13T08:32 UTC
Moneywaiting for the credit
₹26,060.53
Nothing has reached our account yet — only a credit our bank shows us counts.
Probably ₹30,00,000 — the branch's own numbers point at it: its mail names ₹30,00,000. Confirm with one press on the case page (or pick the other if the branch worked on the wrong figure). Two loans of this borrower on one mortgage: ₹30,00,000 (Home Loan, LAN 10341183) + ₹30,00,000 (Home Loan, LAN 77000362537) = ₹60,00,000 — the branch's mail names it; the case holds ₹30,00,000. This file holds 2 sanction letters of this lender in the borrower's own name, each for a facility of its own on this property (the branch's mail names it). One lender, one borrower, one property: the notice of intimation secures the whole borrowing on this mortgage, so the fee is computed on the total, not on one letter. The branch's mail naming one loan account is the case's label, not a list of what is secured. Open the letters and the branch's mail. Unless the mail says one of these loans is filed separately (a second token), set the loan amount on the case page to ₹60,00,000 and press Fill again; the fee the branch pays is the witness — its ask on the total settles it.
The working
Stamp duty 0.3%9,010
Registration fee 0.5%15,000
Government handling350
Our service fee1,700
Total we ask for26,060.53
By law ₹26,050. We ask ₹26,060 (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 technical report
Flat No B 209, 2nd Floor, B WING MATHURESH KRUPA CHSL, SURVEY, 5 5b 5d, Virar West, 401303
read from the technical report · challan boxes 13 of 13 ready
Check the property →the boxes beside the paper
People
MEENA MUKESH SOMANI · co-applicantBJHPS9764ESARASWATI AAGAM SOMANI · applicantGXFPS3802A
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