⚠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-2026-03090

GAUTAM MANOHAR WASE

LAN NHL/NAG/0626/5133836 Index II shared · done All documents Mails & papers 4

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 needs1 still to come

7 of 8 in hand.
the challan is done — these are for the IGR filing / KYC

✓Sanction letteropen

✓Selfie / photoopen

✓Payment screenshot — shows ₹15,660; money not verified yetopen

✓Paid challan (GRAS)open

✓PAN card — inside SKM_226i26070917430.pdfopen

✓Aadhaar card — inside SKM_226i26070917430.pdfopen

✓Sale deed — inside SKM_226i26070917430.pdfopen

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

The work is done — our fee of ₹15,700.23 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹15,700.23CASE MARK

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

₹0 received — the branch’s receipt claims ₹15,660; we wait for the credit itself

Ask for the exact ₹15,700.23. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%5,210

Registration fee 0.5%8,670

Government handling320

Our service fee1,500.23

Total we ask for15,700.23

Screenshot ₹15,660 — ₹40 under our ask, not below the real calculation ₹15,660. Counts as full. Nothing to ask.
Screenshot ₹15,660 — verified by itself the moment the bank credit is heard.

why?

The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our round-ups are the buffer. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.

Paid by GPay at 2026-07-09 — verified when Google's NEFT lands in the PNB account (within hours).

This money went to the Google Pay Business account on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 08:24 — 15 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹15,680. We ask ₹15,700 (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.

The money may already be here — 1 credit(s) our bank showed us that no case has taken

Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 1 h 03 minour time · 9 Jul 19:22

Index II 41 h 07 minour time · 6 Oct 13:33

the NOI team 5 d 1 hthe branch 83 d 18 htotal 88 d 19 h

Complete.

Day by day — every step and who held it

9 Jul 18:19Your branch's mail

9 Jul 19:22Challan made+1 h 03 min · the NOI team

1 Oct 13:28Papers from your branch+83 d 18 h · the branch

1 Oct 13:28Papers readat once

1 Oct 13:28Property readat once

1 Oct 13:28Papers from your branchat once

1 Oct 13:28Papers readat once

1 Oct 13:28Papers from your branchat once

1 Oct 13:29Papers readat once

1 Oct 13:29Fee quotedat once

6 Oct 13:33Index II sent+5 d · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹17,32,500

Loan account no.

NHL/NAG/0626/5133836

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

Nothing — this case is done

Index II shared with the branch and the case is closed.

Where this case stands — the whole trailread by EzDocs as one conversation

The branch has sent a photo of the applicant. The team needs to provide a fee quote for the NOI filing.

the trail says the next move is with the NOI team — the fee quote

the branch last asked: kindly provide NOI

✓ loan papers sent — done, mail 1 (2026-10-01) “Please find attached photo; kindly provide NOI.”

read over 1 mail(s), last mail 2026-10-01 · read 12d 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 here

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 (12d ago) — open the verification page; they are marked in red.

2File the NOI on the IGR site, then tell the branch

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	MH006107506202627E	9990310260079	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 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

OL The NOI teamTYPED IN GMAIL
22 Sep, 16:38 · 21d ago THE APP JOINED HERE — earlier mails are on Gmail

Re: Process for and Challan and NOI Loan No : NHL/NAG/0626/5133836 Applicant Name:- GAUTAM MANOHAR WASE

Team,

For noi filing we need a colour selfie photo of applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Fri, 21 Aug 2026 at 19:46, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For noi filing we need a colour selfie photo of applicants

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:24, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:14, 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 a colour live selfie photo of the applicant

GAUTAM MANOHAR WASE

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 18:23, Ravi Nagfase < ravi.nagfase@phfl.com > wrote:

Dear team,

Please find the attached documents and process for challan and NOI

Thanks & Regards
Ravi Nagfase
Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II,  Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +  91 9975567895
Email:  ravi.nagfase@phfl.com
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

🤖 read: asks the branch for documents — “For noi filing we need a colour selfie photo of applicants..”

BB bharati.bhope@phfl.com phfl.com
01 Oct, 13:27 · 12d ago

Fw: Re: Process for and Challan and NOI Loan No : NHL/NAG/0626/5133836 Applicant Name:- GAUTAM MANOHAR WASE

📎 Photo Gautam Wase.jpg ↗

Dear Team,

Please find attached photo; kindly provide NOI.

Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website –  www.pnbhousing.com

earlier mails quoted below

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/22/26 16:39
To: Ravi Nagfase ( ravi.nagfase@phfl.com )
Cc: Nagpur Branch ( nagpur.branch@pnbhousing.com )
Subject:  Re: Process for and Challan and NOI Loan No : NHL/NAG/0626/5133836 Applicant Name:- GAUTAM MANOHAR WASE

 Exercise  Secured by Check Point

Team,

For noi filing we need a colour selfie photo of applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Fri, 21 Aug 2026 at 19:46, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For noi filing we need a colour selfie photo of applicants

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:24, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:14, 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 a colour live selfie photo of the applicant  GAUTAM MANOHAR WASE

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 18:23, Ravi Nagfase < ravi.nagfase@phfl.com > wrote:

Dear team,

Please find the attached documents and process for challan and NOI

Thanks & Regards
Ravi Nagfase
Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II,  Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +  91 9975567895
Email:  ravi.nagfase@phfl.com
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

🤖 read: asks for the Index II; documents attached — “kindly provide NOI.”

OL The NOI teamTYPED IN GMAIL
03 Oct, 11:16 · 10d ago

Re: Fw: Re: Process for and Challan and NOI Loan No : NHL/NAG/0626/5133836 Applicant Name:- GAUTAM MANOHAR WASE

DEAR TEAM,

PFA DOWNLOADED COPY OF EFILING

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 1 Oct 2026 at 13:25, Bharati Bhope < bharati.bhope@phfl.com > wrote:

Dear Team,

Please find attached photo; kindly provide NOI.

Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website –  www.pnbhousing.com

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/22/26 16:39
To: Ravi Nagfase ( ravi.nagfase@phfl.com )
Cc: Nagpur Branch ( nagpur.branch@pnbhousing.com )
Subject:  Re: Process for and Challan and NOI Loan No : NHL/NAG/0626/5133836 Applicant Name:- GAUTAM MANOHAR WASE

 Exercise  Secured by Check Point

Team,

For noi filing we need a colour selfie photo of applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 21 Aug 2026 at 19:46, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For noi filing we need a colour selfie photo of applicants

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:24, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:14, 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 a colour live selfie photo of the applicant  GAUTAM MANOHAR WASE

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 18:23, Ravi Nagfase < ravi.nagfase@phfl.com > wrote:

Dear team,

Please find the attached documents and process for challan and NOI

Thanks & Regards
Ravi Nagfase
Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II,  Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +  91 9975567895
Email:  ravi.nagfase@phfl.com
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

🤖 read: e-filing copy shared ✓ — “PFA DOWNLOADED COPY OF EFILING”

OL The NOI teamTYPED IN GMAIL
06 Oct, 13:07 · 7d ago

Dear Team,

PFA index 2 copy for case closure..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Sat, 3 Oct 2026 at 11:16, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

DEAR TEAM,

PFA DOWNLOADED COPY OF EFILING

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 1 Oct 2026 at 13:25, Bharati Bhope < bharati.bhope@phfl.com > wrote:

Dear Team,

Please find attached photo; kindly provide NOI.

Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website –  www.pnbhousing.com

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/22/26 16:39
To: Ravi Nagfase ( ravi.nagfase@phfl.com )
Cc: Nagpur Branch ( nagpur.branch@pnbhousing.com )
Subject:  Re: Process for and Challan and NOI Loan No : NHL/NAG/0626/5133836 Applicant Name:- GAUTAM MANOHAR WASE

 Exercise  Secured by Check Point

Team,

For noi filing we need a colour selfie photo of applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 21 Aug 2026 at 19:46, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For noi filing we need a colour selfie photo of applicants

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:24, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 19:14, 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 a colour live selfie photo of the applicant  GAUTAM MANOHAR WASE

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 9 Jul 2026 at 18:23, Ravi Nagfase < ravi.nagfase@phfl.com > wrote:

Dear team,

Please find the attached documents and process for challan and NOI

Thanks & Regards
Ravi Nagfase
Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II,  Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +  91 9975567895
Email:  ravi.nagfase@phfl.com
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

🤖 read: Index II shared ✓ — “PFA index 2 copy for case closure..”

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
Sanction letter+ PAN card inside+ Aadhaar card inside+ Sale deed inside	SKM_226i26070917430.pdf	filed	12d ago
Selfie / photo	IMG_20260709_181702.jpg	filed	12d ago
Payment screenshot	IMG-20260709-WA0042.jpg	filed	12d ago
Paid challan (GRAS)	GAUTAM MANOHAR WASE EchallanMH006107506202627E.pdf	filed	12d ago
Selfie / photo	Photo Gautam Wase.jpg	CANNOT BE READ — clear copy asked	12d 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
₹15,700.23

Where it stands
waiting for the credit

Screenshot claims
₹15,660 260067833030

why?

Paid by GPay at 2026-07-09 — verified when Google's NEFT lands in the PNB account (within hours).

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹5,210	₹8,670	₹320	₹1,500	₹15,700

By law ₹15,680. We ask ₹15,700 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Floor, Area, Title deed no / year / SRO, Floor (person 1)

15 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, Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number …

✗ EzDocs found boxes that do NOT agree with the document (12d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (SKM_226i26070917430.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

empty

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ 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.

PLOT NO 36, MOUZA WANADONGARI, PATWARI HALKA NO 46, KHASRA NO 176 PART II, TAHSIL HINGNA, SHANTI NIKETAN EKTA CO OPERATIVE LTD NAGPUR, NAGAR PARISHAD WANADONGARI, WANADONGARI, NEAR PLOT NO 35, Nagpur, HINGNA, Nagpur, MAHARASHTRA, India, 44016

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

SKM_226i26070917430.pdf

the address
{'PIN': '441110', 'AREA': 'WANADONGRI', 'FLAT': 'PLOT NO. 36, WARD NO. 2', 'ROAD': NONE, 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'SAMARTH NAGAR', 'DISTRICT': 'NAGPUR', 'POST_OFFICE': NONE, 'VILLAGE_CITY': 'HINGNA'}

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 36 SHANTI NIKETAN EKTA CO OPERATIVE LTD KHASRA NO 176 PART II PATWARI HALKA NO 46

Locality/Road
WANADONGARI NEAR PLOT NO 35 MOUJE WANADONGARI WARD NO 2 SAMARTH NAGAR TAL HINGNA DIST NAGPUR

Area/City
NAGPUR

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	GAUTAM MANOHAR WASE	ACPPW8391R	…5011

All mail records (for Abhijit — safe to ignore)

Template	To	When
none yet

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

Sanction letter SKM_226i26070917430.pdf needs your check

lan
NHL/NAG/0626/5133836

legible
True

purpose
Non Housing Loan, Personal use

borrowers
{'name': 'GAUTAM MANOHAR WASE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'REKHA GAUTAM WASE', 'role': 'co_applicant', 'label': 'Applicant'}

loan type
Non Housing Loan

confidence
1.0

rate words
PNBRRR * 13.15% per annum; 13.15% 3.65%=9.50% per annum as on the date of execution of the loan agreement

loan amount
1650000

rate spread
-3.65

final amount
1732500

interest rate
9.5

sanction date
09-Jul-2026

letter version
5

reference rate
13.15

applicant email
gautamwase18@gmail.com

applicant names
GAUTAM MANOHAR WASE, REKHA GAUTAM WASE

printed altered
False

applicant mobile
9975079589

balance transfer
False

property address
pin: 44016; road: WANADONGARI; state: MAHARASHTRA; taluka: HINGNA; district: NAGPUR; landmark: NEAR PLOT NO 35; full_address: PLOT NO 36, MOUZA WANADONGARI, PATWARI HALKA NO 46, KHASRA NO 176 PART II, TAHSIL HINGNA, SHAN

insurance premium
82500

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1732500

security address verbatim
PLOT NO 36, MOUZA WANADONGARI, PATWARI HALKA NO 46, KHASRA NO 176 PART II, TAHSIL HINGNA, SHANTI NIKETAN EKTA CO OPERATIVE LTD NAGPUR, NAGAR PARISHAD WANADONGARI, WANADONGARI, NEAR PLOT NO 35, Nagpur, HINGNA, Nagpur, MAH

applicant address verbatim
PLOT NO. 36, WARD NO. 2, SAMARTH NAGAR WANADONGRI, HINGNA NAGPUR,.., Nagpur, MAHARASHTRA, 441110, Nagpur, India

raw reading (for Abhijit)

{'lan': 'NHL/NAG/0626/5133836', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'GAUTAM MANOHAR WASE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'REKHA GAUTAM WASE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': 'Non Housing Loan', 'confidence': 1.0, 'rate_words': 'PNBRRR * 13.15% per annum; 13.15% 3.65%=9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1650000, 'rate_spread': -3.65, 'final_amount': 1732500, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '09-Jul-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'gautamwase18@gmail.com', 'applicant_names': ['GAUTAM MANOHAR WASE', 'REKHA GAUTAM WASE'], 'printed_altered': False, 'applicant_mobile': '9975079589', 'balance_transfer': False, 'property_address': {'pin': '44016', 'road': 'WANADONGARI', 'state': 'MAHARASHTRA', 'taluka': 'HINGNA', 'flat_no': None, 'district': 'NAGPUR', 'floor_no': None, 'landmark': 'NEAR PLOT NO 35', 'full_address': 'PLOT NO 36, MOUZA WANADONGARI, PATWARI HALKA NO 46, KHASRA NO 176 PART II, TAHSIL HINGNA, SHANTI NIKETAN EKTA CO OPERATIVE LTD NAGPUR, NAGAR PARISHAD WANADONGARI, WANADONGARI, NEAR PLOT NO 35, Nagpur, HINGNA, Nagpur, MAHARASHTRA, India, 44016', 'village_city': 'WANADONGARI', 'building_name': 'SHANTI NIKETAN EKTA CO OPERATIVE LTD', 'survey_or_cts_no': 'KHASRA NO 176 PART II, PATWARI HALKA NO 46, PLOT NO 36'}, 'insurance_premium': 82500, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1732500, 'security_address_verbatim': 'PLOT NO 36, MOUZA WANADONGARI, PATWARI HALKA NO 46, KHASRA NO 176 PART II, TAHSIL HINGNA, SHANTI NIKETAN EKTA CO OPERATIVE LTD NAGPUR, NAGAR PARISHAD WANADONGARI, WANADONGARI, NEAR PLOT NO 35, Nagpur, HINGNA, Nagpur, MAHARASHTRA, India, 44016', 'applicant_address_verbatim': 'PLOT NO. 36, WARD NO. 2, SAMARTH NAGAR WANADONGRI, HINGNA NAGPUR,.., Nagpur, MAHARASHTRA, 441110, Nagpur, India'}

Sanction letter SKM_226i26070917430.pdf needs your check

dob
1973-11-18

pan
ACPPW8391R

name
GAUTAM MANOHAR WASE

legible
True

father name
MANOHAR BALARAM WASE

raw reading (for Abhijit)

{'dob': '1973-11-18', 'pan': 'ACPPW8391R', 'name': 'GAUTAM MANOHAR WASE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'MANOHAR BALARAM WASE', 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter SKM_226i26070917430.pdf needs your check

dob
1973-11-18

name
Gautam Manohar Wase

mobile
9975079589

address
pin: 441110; area: Ward No. 2 Samarth Nagar; flat: Plot No. 36; state: Maharashtra; district: Nagpur; village_city: Wanadongri, Hingna

legible
True

aadhaar last4
5011

raw reading (for Abhijit)

{'dob': '1973-11-18', 'pan': None, 'name': 'Gautam Manohar Wase', 'mobile': '9975079589', 'address': {'pin': '441110', 'area': 'Ward No. 2 Samarth Nagar', 'flat': 'Plot No. 36', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Nagpur', 'post_office': None, 'village_city': 'Wanadongri, Hingna'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '5011', 'quality_issue': None}

Selfie / photo IMG_20260709_181702.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

Payment screenshot IMG-20260709-WA0042.jpg needs your check

utr
260067833030

date
2026-07-09

time
18:13

amount
15660

method
PhonePe

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

raw reading (for Abhijit)

{'utr': '260067833030', 'date': '2026-07-09', 'time': '18:13', 'amount': 15660, 'method': 'PhonePe', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}

Paid challan (GRAS) GAUTAM MANOHAR WASE EchallanMH006107506202627E.pdf needs your check

grn
MH006107506202627E

pin
440016

total
13871.0

article
6(1)

defaced
False

bank cin
03006172026070901381

district
NAGPUR

area city
NAGPUR

payer pan
ACPXXXXXXR

flat block
PLOT NO. 36, SHANTI NIKETAN EKTA CO-OPERATIVE LTD NAGPUR, PATWARI HALKA NO. 46, KHASRA NO. 176

payer name
GAUTAM MANOHAR WASE

sro office
HINGNA SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1732500

scheme rows
{'amount': 5203.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8668.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX9589

payment date
09/07/2026-19:22:04

road locality
PART II, MOUZA WANADONGARI, NAGAR PARISHAD WANADONGARI, NEAR PLOT NO. 35, HINGNA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1732500

raw reading (for Abhijit)

{'grn': 'MH006107506202627E', 'pin': '440016', 'total': 13871.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026070901381', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'ACPXXXXXXR', 'flat_block': 'PLOT NO. 36, SHANTI NIKETAN EKTA CO-OPERATIVE LTD NAGPUR, PATWARI HALKA NO. 46, KHASRA NO. 176', 'payer_name': 'GAUTAM MANOHAR WASE', 'sro_office': 'HINGNA SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1732500', 'scheme_rows': [{'amount': 5203.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8668.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX9589', 'payment_date': '09/07/2026-19:22:04', 'road_locality': 'PART II, MOUZA WANADONGARI, NAGAR PARISHAD WANADONGARI, NEAR PLOT NO. 35, HINGNA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1732500'}

Selfie / photo Photo Gautam Wase.jpg needs your check

kind
group_or_other

legible
False

confidence
0.9

face visible
True

quality issue
this is a photograph of a person, not a live selfie

raw reading (for Abhijit)

{'kind': 'group_or_other', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a person, not a live selfie'}

Payment screenshot IMG-20260709-WA0042.jpg needs your check

payments inside
kind: payment_screenshot; payments: [{'utr': '260067833030', 'date': '2026-07-09', 'page': 1, 'time': '18:13', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 15660.0, 'direction': 'credit', 'narration': 'PhonePe Tran

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': '260067833030', 'date': '2026-07-09', 'page': 1, 'time': '18:13', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 15660.0, 'direction': 'credit', 'narration': 'PhonePe Transaction ID T2607091812561253970390', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '1868', 'account_holder': None}}

Paid challan (GRAS) GAUTAM MANOHAR WASE EchallanMH006107506202627E.pdf needs your check

payments inside
kind: other; payments: []; rows_read: 0

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}

Sanction letter SKM_226i26070917430.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Sanction letter SKM_226i26070917430.pdf needs your check

dob
1973-11-18

pan
ACPPW8391R

name
GAUTAM MANOHAR WASE

page
2

legible
True

card kind
pan

father name
MANOHAR BALARAM WASE

card of many
1

raw reading (for Abhijit)

{'dob': '1973-11-18', 'pan': 'ACPPW8391R', 'name': 'GAUTAM MANOHAR WASE', 'page': 2, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'MANOHAR BALARAM WASE', 'card_of_many': 1, 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter SKM_226i26070917430.pdf needs your check

dob
1973-11-18

name
GAUTAM MANOHAR WASE

page
3

mobile
9975079589

address
pin: 441110; area: Wanadongri; flat: Plot No. 36, Ward No. 2; state: Maharashtra; building: Samarth Nagar; district: Nagpur; village_city: Hingna

legible
True

card kind
aadhaar

card of many
2

aadhaar last4
5011

raw reading (for Abhijit)

{'dob': '1973-11-18', 'pan': None, 'name': 'GAUTAM MANOHAR WASE', 'page': 3, 'mobile': '9975079589', 'address': {'pin': '441110', 'area': 'Wanadongri', 'flat': 'Plot No. 36, Ward No. 2', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Samarth Nagar', 'district': 'Nagpur', 'post_office': None, 'village_city': 'Hingna'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 2, 'aadhaar_last4': '5011', 'quality_issue': None}

Technical record (for Abhijit — safe to ignore)

7d ago	system:reconcile	closed_from_desk_words	{'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"}
7d ago	system:reconcile	match_reverted_done_case	{'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'AWAITING_INDEX2', 'method': 'gpay_lum
7d ago	system:reconcile	match_undone	{'ref': 'AXNGG27869593657', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 59650.0, 'reason': 'amount-only match
7d ago	system:payments	case_reevaluated	{'stage_after': 'AWAITING_INDEX2'}
7d ago	system:payments	gpay_lump_split	{'utr': 'AXNGG27869593657', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun
7d ago	system:payments	payment_verified	{'utr': 'AXNGG27869593657', 'why': "paid ₹15,660, ₹40 under our ask of ₹15,700 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept
7d ago	system:payments	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None},
7d ago	system:reconcile	match_reverted_done_case	{'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'AWAITING_INDEX2', 'method': 'gpay_lum
7d ago	system:reconcile	match_undone	{'ref': 'AXNGG27869593657', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 59650.0, 'reason': 'amount-only match
7d ago	system:payments	case_reevaluated	{'stage_after': 'AWAITING_INDEX2'}
7d ago	system:payments	gpay_lump_split	{'utr': 'AXNGG27869593657', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun
7d ago	system:payments	payment_verified	{'utr': 'AXNGG27869593657', 'why': "paid ₹15,660, ₹40 under our ask of ₹15,700 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept
7d ago	system:payments	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None},
7d ago	system:reconcile	match_reverted_done_case	{'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'AWAITING_INDEX2', 'method': 'gpay_lum
7d ago	system:reconcile	match_undone	{'ref': 'AXNGG27869593657', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 59650.0, 'reason': 'amount-only match
7d ago	system:payments	case_reevaluated	{'stage_after': 'AWAITING_INDEX2'}
7d ago	system:payments	gpay_lump_split	{'utr': 'AXNGG27869593657', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun
7d ago	system:payments	payment_verified	{'utr': 'AXNGG27869593657', 'why': "paid ₹15,660, ₹40 under our ask of ₹15,700 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept
7d ago	system:payments	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None},
7d ago	system:reconcile	match_reverted_done_case	{'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'AWAITING_INDEX2', 'method': 'gpay_lum
7d ago	system:reconcile	match_undone	{'ref': 'AXNGG27869593657', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 59650.0, 'reason': 'amount-only match
7d ago	system:payments	case_reevaluated	{'stage_after': 'AWAITING_INDEX2'}
7d ago	system:payments	gpay_lump_split	{'utr': 'AXNGG27869593657', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun
7d ago	system:payments	payment_verified	{'utr': 'AXNGG27869593657', 'why': "paid ₹15,660, ₹40 under our ask of ₹15,700 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept
7d ago	system:payments	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None},
7d ago	system:reconcile	match_reverted_done_case	{'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'AWAITING_INDEX2', 'method': 'gpay_lum
7d ago	system:reconcile	match_undone	{'ref': 'AXNGG27869593657', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 59650.0, 'reason': 'amount-only match
7d ago	system:payments	case_reevaluated	{'stage_after': 'AWAITING_INDEX2'}
7d ago	system:payments	gpay_lump_split	{'utr': 'AXNGG27869593657', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun
7d ago	system:payments	payment_verified	{'utr': 'AXNGG27869593657', 'why': "paid ₹15,660, ₹40 under our ask of ₹15,700 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept

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

Papers

All 4 in hand

Selfie re-sent — an earlier one was a photo of a print

Money

₹15,660 claimed · credit not seen

Counts as received only on the credit SMS or a person's Verify.

Challan & filing

Done — Index II shared

The case is closed.

Next — whose move

No one

done

Needs your eyes: The work is done — our fee of ₹15,700.23 is still not in our account. Chase the branch for it.

6 Oct108 things

Closed from the NOI team's own words — the Index II was already shared with the branch

Nothing more to do on this case.