Cases / NOI-2026-01202

Vilas Ramchandra Kadam

LAN — Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 1

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).

Papers for our fileworked by hand

1 of 8 in hand.
this case was worked by hand before the app saw the thread — the challan and the filing are already done; nothing below is blocking anyone

✓Paid challan (GRAS)open

Sanction Letter — for our file, when it comes

Applicant's Aadhaar Card — for our file, when it comes

Applicant's PAN Card — for our file, when it comes

Payment Screenshot with UTR — for our file, when it comes

Property address — no document on file carries it; ask the branch for the technical report or Index II

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

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

All files (1)A label is wrong? Fix it under All documents.

Moneynot worked out yet

No fee computed yet — it appears the moment the loan amount is known.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan under a minuteour time (made after working hours) · 24 Aug 18:52

Index II —not yet

the NOI team 53 d 2 htotal 53 d 2 h so far

Now with the NOI team — e-filing on IGR

since 27 Sep 08:28 — 19 d 13 h of working time

Day by day — every step and who held it

24 Aug 18:52Your branch's mail

24 Aug 18:52Challan madeat once

27 Sep 08:28Papers read+33 d 13 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

—

Loan account no.

—

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

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. EzDocs 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, EzDocs sees:

• payment NOT verified — office rule: no filing before credit

• NO PROPERTY on file — the property page cannot be filled

• no people extracted — mortgagor page cannot be filled

• Loan Amount: 22,88,000 — the figure the paid challan prints (VILAS RAMCHANDRA KADAM EchallanMH0088084, GRN MH008808434202627E); the case holds nothing. The notice is filed on the challan that was paid.

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 case has not yet started, with the branch requesting a properly formatted email from the NOI team. The NOI team needs to send a new email with a clear subject line to initiate the process.

the history says the next move is with the NOI team — a proper mail with subject line

the branch last asked: Please provide share proper mail & add subject line in mail.

read over 1 mail(s), last mail 2026-09-03 · read 31d 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). EzDocs 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.

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	MH008808434202627E	—	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.

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 EzDocs 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 EzDocs, not sent

Index II pending — NOI NOI-2026-01202

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 54 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

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 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

UB umesh.borade@phfl.com phfl.com
03 Sep, 18:25 · 43d ago THE APP JOINED HERE — earlier mails are on Gmail

Dear Team,

Please provide share proper mail & add subject line in mail.

Thanks & Regards,
Umesh Borade
Senior Branch Operation Executive
PNB Housing Finance Ltd.
5th Floor, Flat No. 508-509,
Persipolis BuildingSector -17,
Vashi, Navi Mumbai-400703
Mobile: 7709905686
Website- www.pnbhousing.com

earlier mails quoted below

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/24/26 18:55
To: ThinkBigz Initiative (pnb.noifilling@gmail.com), Umesh Ramchandra Borade (umesh.borade@phfl.com), Pooja Mijar (pooja.mijar@pnbhousing.com)
Cc: Samson Silveira (samson.silveira@pnbhousing.com)

 Exercise Secured by Check Point

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

🤖 read: asks for a correction; note: Requests the team to provide a proper mail with a subject line. — “Please provide share proper mail & add subject line in mail.”

Every file the branch sent, and what EzDocs 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
Paid challan (GRAS)	VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf	filed	19d 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

No payment recorded yet. When money reaches our account (or the branch sends a screenshot), it shows here.

Fee working (ours)

No fee computed yet — it appears the moment the loan amount is known.

Property (must be perfect)

No property read yet — it fills itself from the sanction letter, the legal report, the technical report, the mail, or the Index II.

Parties

Role	Name	PAN	Aadhaar
none extracted yet

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
document chase	umesh.borade@phfl.com	43d ago
document chase	umesh.borade@phfl.com	39d ago
document chase	umesh.borade@phfl.com	32d ago
document chase	umesh.borade@phfl.com	29d ago
document chase	umesh.borade@phfl.com	25d ago
Index II chase	umesh.borade@phfl.com	18d ago
Index II chase	umesh.borade@phfl.com	15d ago
Index II chase	umesh.borade@phfl.com	11d ago
Index II chase	umesh.borade@phfl.com	8d ago
Index II chase	umesh.borade@phfl.com	2d ago

What EzDocs read from each document — check anything marked in red

Paid challan (GRAS) VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf needs your check

grn
MH008808434202627E

pin
400709

total
18320.0

article
6(1)

defaced
False

bank cin
03006172026082101804

district
THANE

area city
THANE

payer pan
DSEXXXXXXK

flat block
APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION

payer name
VILAS RAMCHANDRA KADAM

sro office
THN8_THANE NO 8 JOINT SUB REGISTRA

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2288000

scheme rows
{'amount': 6870.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11450.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7483

payment date
21/08/2026

road locality
KOPARKHAIRANE NAVI MUMBAI, SECTOR NO 4, THANE, MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
2288000

raw reading (for Abhijit)

{'grn': 'MH008808434202627E', 'pin': '400709', 'total': 18320.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026082101804', 'district': 'THANE', 'area_city': 'THANE', 'payer_pan': 'DSEXXXXXXK', 'flat_block': 'APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION', 'payer_name': 'VILAS RAMCHANDRA KADAM', 'sro_office': 'THN8_THANE NO 8 JOINT SUB REGISTRA', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2288000', 'scheme_rows': [{'amount': 6870.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11450.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7483', 'payment_date': '21/08/2026', 'road_locality': 'KOPARKHAIRANE NAVI MUMBAI, SECTOR NO 4, THANE, MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2288000'}

Technical record (for Abhijit — safe to ignore)

2d ago	EzDocs	email_shadowed:index2_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index II copy / title documen
2d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
8d ago	EzDocs	email_shadowed:index2_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index II copy / title documen
8d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
11d ago	EzDocs	email_shadowed:index2_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index II copy / title documen
11d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
15d ago	EzDocs	email_shadowed:index2_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index II copy / title documen
15d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
17d ago	EzDocs	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Loan Amount', 'words': 'Loan Amount: the team typed 2288000 — no paper on th
18d ago	EzDocs	email_shadowed:index2_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index II copy / title documen
19d ago	EzDocs	template_name_checked	{'name': 'Vilas Ramchandra Kadam'}
19d ago	EzDocs	name_healed	{'why': 'the case had no name; its own documents/mails carried one', 'name': 'Vilas Ramchandra Kadam'}
19d ago	EzDocs	name_from_filename	{'why': "no name in any mail or document reading — taken from an attachment's name; correct it on the case if wrong", 'name': 'Vilas Ramchandra Kadam', 'files': ['VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf']}
19d ago	EzDocs	challan_found_on_case	{'was': 'AWAITING_DOCS', 'why': 'a challan is on the case — it counts; a challan is on file; the case has no loan amount to judge it against', 'file': 'VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf', 'kind': 'unr
19d ago	EzDocs	draft_withdrawn	{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ["Dear Team,\n\nWith reference to the captioned case, the following is pendi
19d ago	EzDocs	thread_docs_swept	{'why': 'this case had no papers at all — its own threads were read for the attachments nobody had pulled yet', 'error': None, 'stored': 1, 'why_not': None, 'messages': 4}
19d ago	EzDocs	thread_documents_backfilled	{'why': None, 'stored': 1, 'mailbox': 'pnb.noifilling@gmail.com', 'skipped': 0, 'messages': 4, 'unreadable_threads': 0}
19d ago	EzDocs	challan_verified_against_case	{'grn': 'MH008808434202627E', 'file': 'VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf', 'checked': ['article code']}
19d ago	EzDocs	challan_extracted	{'grn': 'MH008808434202627E', 'heads': ['0030046401', '0030063301'], 'total': 18320.0}
19d ago	EzDocs	challan_identity	{'why': 'article 6(1) — deposit of title deed', 'file': 'VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf', 'inner': False, 'doc_id': '387b0c2f-87ba-4e80-8000-9d120b0d8d7f', 'answer': 'noi', 'bank_pan': ''}
19d ago	EzDocs	document_received	{'file': 'VILAS RAMCHANDRA KADAM EchallanMH008808434202627E.pdf', 'doc_type': 'challan', 'confidence': 0.9}
20d ago	EzDocs	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
25d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card", "Applicant's PAN Card", 'Loan amount (with insurance, if any)', 'Payment Screenshot
25d ago	EzDocs	email_shadowed:doc_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case, the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant's Aadhaar Card — not receive
25d ago	EzDocs	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
29d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card", "Applicant's PAN Card", 'Loan amount (with insurance, if any)', 'Payment Screenshot
29d ago	EzDocs	chase_held_back	{'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card", "Applicant's PAN Card", 'Loan amount (with insurance, if any)', 'Payment Screenshot
29d ago	EzDocs	email_shadowed:doc_chase	{'to': 'umesh.borade@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case, the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Applicant's Aadhaar Card — not receive
29d ago	EzDocs	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
31d ago	EzDocs	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': [], 'mails': 1, 'summary': 'The case has not y

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

Papers

4 still needed for the challan

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

Money

No figure yet

It appears the moment the loan amount is known.

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

14 Oct2 things

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-01202

10:00

An old draft withdrew itself — its asks were already answered

10:00

8 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-01202

10:00

An old draft withdrew itself — its asks were already answered

10:00

5 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-01202

10:00

An old draft withdrew itself — its asks were already answered

10:00

1 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-01202

10:00

An old draft withdrew itself — its asks were already answered

10:00

28 Sep1 thing — 1 letter written

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-01202