⚠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-2026-03482

Ashish Manikrao Munde

LAN NHL/PUN/0926/5223786 Challan paid · our move File on IGR Send the draft 1 All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

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

✓Payment screenshot — shows ₹16,558; money not verified yetopen

✓Sanction letteropen

Selfie / photo (CANNOT BE READ — clear copy asked — the face is not clearly visible (too dark))open

✓PAN cardopen

✓Index II — the branch's own title copy, an input; the address was read from itopen

✓Paid challan (GRAS)open

✓Aadhaar card — inside KYC munde.pdfopen

✓Property address — verified by the engine, from the Index II (correct below if anything is off)

All files (7)A label is wrong? Fix it under All documents.

Needs your eyes

The work is done — our fee of ₹16,500.33 is still not in our account. Chase the branch for it.
Selfie / photo: copy on file cannot be used. A usable one is being asked for.

MoneyWaiting for the credit

₹16,500.33CASE MARK

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

₹0 received — the branch’s receipt claims ₹16,558; we wait for the credit itself

Ask for the exact ₹16,500.33. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%5,510

Registration fee 0.5%9,170

Government handling320

Our service fee1,500.33

Total we ask for16,500.33

Screenshot ₹16,558 — verified by itself the moment the bank credit is heard.

This money went to our account on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 17:28 — 7 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹16,478. We ask ₹16,500 (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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 12 minour time (made after working hours) · 13 Oct 19:43

Index II —not yet

the NOI team 5 h 18 mintotal 5 h 18 min so far

Now with the NOI team — e-filing on IGR

since 13 Oct 19:43 — 5 h 06 min of working time

Day by day — every step and who held it

13 Oct 19:31Your branch's mail

13 Oct 19:35Papers read+4 min · the NOI team

13 Oct 19:35Property readat once

13 Oct 19:35Fee quotedat once

13 Oct 19:43Challan made+8 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹18,32,250

Loan account no.

NHL/PUN/0926/5223786

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: UJWLA MANIKRAO MUNDE is on the sanction letter but not among the purchasers the Index II of this purchase names — a borrower, not a mortgagor: no page (add them by hand if they own the property)

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

• 3 property box(es) not from the Index II / derived / unsure — amber on the portal: road, attr2_value, property_type

• check — property second number: the whole-file reading (Sanction Letter and Index II) says none — the reading names one kind of number; the case holds 492/493/494

• changed — village: the case held CHANHOLI BUDRUK; filled CHANHULI BUDRUK — the whole-file reading, from Sanction Letter and Index II, reads it so

• changed — building name: the case held DESTINATION 24 AVENUE, WING C; filled DESTINATION 24 AVENUE C WING — the whole-file reading, from Sanction Letter and Index II, reads it so

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.

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

CHECKThe PIN code

The sanction letter BASE	412105 … EAR TANISH ORCHID PHASE II, Pune, Pune, MAHARASHTRA, India, 412105 412105
The Index II DIFFERS	411039 … r : 492;)) - स्थानिक स्वराज्य संस्थाः पिंपरी-चिंचवड म.न.पा. 411039

What to do: The challan and the filing follow the sanction letter, the bank's own paper (PIN 412105). Read the papers once — if PIN 412105 is not right, ask the branch before you pay or file.

Compared: the sanction letter, the Index II; and the whole-file reading. Nothing here is typed or changed by itself.

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

The branch has provided the loan documents and the Index II draft. The team is now expected to provide the challan and the NOI.

the trail says the next move is with the NOI team — the challan and NOI

the branch last asked: Kindly provide Challan and NOI In case of Loan No :Mr. ASHISH MANIKRAO MUNDE -NHL/PUN/0926/5223786

✓ loan papers sent — done, mail 1 (2026-10-13) “Documents required for NOI Filing Remark Loan sanction letter Attached. Index 2/ Draft Draft Attached Aadhar copy of the applicant/s Attached. PAN copy ”

? challan made — asked, mail 1 (2026-10-13) “Kindly provide Challan and NOI In case of Loan No :Mr. ASHISH MANIKRAO MUNDE -NHL/PUN/0926/5223786”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-10-13) “Index 2/ Draft Draft Attached”

read over 1 mail(s), last mail 2026-10-13 · read 5h 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 checked every box against the document’s own words 5h ago — all agree.

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	MH011946027202627E	—	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.

Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once

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. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

NOI case NOI-2026-03482

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents for the captioned case (LAN: NHL/PUN/0926/5223786).

ApplicantAshish Manikrao Munde

LANNHL/PUN/0926/5223786

Loan AmtRs. 18,32,250

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Applicant's Selfie / Photo, Index II copy / Title document, Payment Screenshot with UTR, Sanction Letter

Your payment advice for Rs. 16,558 is noted. We are confirming the credit in our account and will begin the challan the moment it reflects — usually the same working day.
You can follow it here - the page says 'received' the moment the credit lands, and the UTR or a second screenshot can be added there:
https://noi-ops-6hp3e3y4bq-el.a.run.app/pay/NOI-2026-03482/70550d4e82310c9955f3b1c4

Once the credit is confirmed nothing further is required from your end, and we will share the paid challan on this same thread.

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 is the case's own Gmail thread, oldest first — the first mail is how the case began, and every later mail lands here the moment it arrives. Search on the Cases page finds any words written below.

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

DZ dipak.zanan@phfl.com phfl.com
13 Oct, 19:31 · 5h ago THE FIRST MAIL — how this case began

Kindly provide Challan and NOI In case of Loan No : Mr. ASHISH MANIKRAO MUNDE -NHL/PUN/0926/5223786

📎 IMG-20261013-WA0008(1).jpg ↗📎 CustomerDocument068e200000kWYk4AAG (1).pdf ↗📎 IMG-20261013-WA0037.jpg ↗📎 KYC munde.pdf ↗📎 Mundhe Index II.pdf ↗📎 image001.gif ↗

Dear Team,

Kindly provide Challan and NOI In case of Loan No :Mr. ASHISH MANIKRAO MUNDE -NHL/PUN/0926/5223786

Documents required for NOI

Filing:- Sticker date –13/10/2026.

MOD0.3%

NOI0.5%

DHC – 300 Rs.

Adv. fees 1500 Rs.

Case type- Resale Case

Challan NOI payment should be Given details .

Documents required for NOI Filing

Remark

Loan sanction letter✓ Attached.

Index 2/ Draft

Draft Attached

Aadhar copy of the applicant/s✓ Attached.

PAN copy of the applicant/s✓ Attached.

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.✓ Attached.

Payment details screenshot with Transaction ID & Date of payment mentioned

Attached 13/10/2026

Thanks & Regards,

Ankush Dhote

Area Sales Manager,Pune.

Direct: 020-25576000; Ext :- 425

Mobile: 9860446630

Thanks & Regards,

Dipak Zanan 

Senior Team Leader-Loans  

J M Road Shivaji Nagar

Office : 020-25576000 ; Ext :- 435

Mobile : 8796346922

PHFL Home Loans and Services Limited

Shreerang House 5th Floor Opp Jangali Maharaj Mandir

JM Road Shivajinagar Pune 411005

🤖 read: asks for the challan, the token / NOI confirmation, the e-filing copy; documents attached; note: Resale Case — “Kindly provide Challan and NOI”

OL The NOI teamTYPED IN GMAIL
13 Oct, 19:37 · 5h ago

Dear Team

We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 13 Oct 2026 at 19:35, Dipak Bhimraj Zanan < dipak.zanan@phfl.com > wrote:

Dear Team,

Kindly provide Challan and NOI In case of Loan No :  Mr. ASHISH MANIKRAO MUNDE -NHL/PUN/0926/5223786
Documents required for NOI
Filing:-  Sticker date –  13/10/2026.
MOD – 0.3%
NOI- 0.5%
DHC – 300 Rs.
Adv. fees 1500 Rs.
Case type-  Resale Case
Challan NOI payment should be Given details .
Documents required for NOI Filing
Remark

Loan sanction letter
Attached.

Index 2/ Draft
Draft Attached

Aadhar copy of the applicant/s
Attached.

PAN copy of the applicant/s
Attached.

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached.

Payment details screenshot with Transaction ID & Date of payment mentioned
Attached 13/10/2026

Thanks & Regards,
Ankush Dhote
Area Sales Manager,Pune.
Direct: 020-25576000; Ext :- 425
Mobile: 9860446630
Thanks & Regards,
Dipak  Zanan
Senior Team Leader-Loans
J M Road  Shivaji  Nagar
Office : 020-25576000 ; Ext :- 43  5
Mobile :  8796346922
PHFL  Home Loans and Services Limited
Shreerang  House 5  th  Floor Opp  Jangali  Maharaj  Mandir
JM  Road  Shivajinagar  Pune  411005

🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”

OL The NOI teamTYPED IN GMAIL
13 Oct, 19:48 · 5h ago

📎 MUNDE ASHISH MANIKRAO EchallanMH0119460272 ↗

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 13 Oct 2026 at 19:37, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Dear Team

We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same.
Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 13 Oct 2026 at 19:35, Dipak Bhimraj Zanan < dipak.zanan@phfl.com > wrote:

Dear Team,

Kindly provide Challan and NOI In case of Loan No :  Mr. ASHISH MANIKRAO MUNDE -NHL/PUN/0926/5223786
Documents required for NOI
Filing:-  Sticker date –  13/10/2026.
MOD – 0.3%
NOI- 0.5%
DHC – 300 Rs.
Adv. fees 1500 Rs.
Case type-  Resale Case
Challan NOI payment should be Given details .
Documents required for NOI Filing
Remark

Loan sanction letter
Attached.

Index 2/ Draft
Draft Attached

Aadhar copy of the applicant/s
Attached.

PAN copy of the applicant/s
Attached.

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached.

Payment details screenshot with Transaction ID & Date of payment mentioned
Attached 13/10/2026

Thanks & Regards,
Ankush Dhote
Area Sales Manager,Pune.
Direct: 020-25576000; Ext :- 425
Mobile: 9860446630
Thanks & Regards,
Dipak  Zanan
Senior Team Leader-Loans
J M Road  Shivaji  Nagar
Office : 020-25576000 ; Ext :- 43  5
Mobile :  8796346922
PHFL  Home Loans and Services Limited
Shreerang  House 5  th  Floor Opp  Jangali  Maharaj  Mandir
JM  Road  Shivajinagar  Pune  411005

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

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
Payment screenshot	IMG-20261013-WA0008(1).jpg	filed	5h ago
Sanction letter	CustomerDocument068e200000kWYk4AAG (1).pdf	filed	5h ago
Selfie / photo	IMG-20261013-WA0037.jpg	CANNOT BE READ — clear copy asked	5h ago
PAN card+ Aadhaar card inside+ Selfie / photo inside	KYC munde.pdf	filed	5h ago
Index IIthe branch sent this — an input	Mundhe Index II.pdf	filed	5h ago
Other	image001.gif	filed	5h ago
Paid challan (GRAS)	MUNDE ASHISH MANIKRAO EchallanMH011946027202627E.pdf	filed	5h 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
₹16,500.33

Where it stands
waiting for the credit

Screenshot claims
₹16,558

Screenshot ₹16,558 — verified by itself the moment the bank credit is heard.

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹5,510	₹9,170	₹320	₹1,500	₹16,500

By law ₹16,478. We ask ₹16,500 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Title deed held by the bank (Agreement to Sale / Sale Deed …), Floor (person 1)

5 box(es) highlighted — not from the Index II / the Aadhaar, derived, or EzDocs was not sure: Road, Second number, Property type (Open / Building / Open + Building), Floor (person 1), Flat / house no (person 1)

✓ EzDocs checked every box against the document’s own words 5h ago — all agree.

CHECKED by the engine, from the Index II — correct any box that is off; a correction clears thissource: the Index II (Mundhe Index II.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)

⚠ not in the document

Flat / shop no

✓ in the document

Floor

⚠ not in the document

Village / City

⚠ not in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

⚠ not in the document

Area (sq.mt, carpet)

✓ in the document

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.

1) इतर वर्णनः, इतर माहितीः गांव मौजे चहोली बुद्रुक, ता. हवेली, जि. पुणे येथील मिळकत यांसी सर्व्हे नं. 492/493/494/2 यांसी एकूण क्षेत्र 00 हे 112.91 चौ मी आर, यांसी आकार रु 0.44 पैसे., सर्व्हे नं. 492/493/494 यांसी एकूण क्षेत्र 00 हे 24.27 चौ मी आर, यांसी आकार रु 9.46 पैसे., यांसी प्लॉट नं. बी या मिळकतीवर बांधण्यात येत असलेल्या "डेस्टीनेशन 24 अवेन्यू " या योजनेतील विंग नं. सी मधील पाचव्या मजल्यावरील फ्लॅट / अपार्टमेंट नं. 504, यांसी कारपेट क्षेत्र 32.34 चौ.मी व बंदिस्त बाल्कनी क्षेत्र 4.03 चौ. मी. अशा या मिळकतीचे . ((Survey Number : 492;)) - स्थानिक स्वराज्य संस्थाः पिंपरी-चिंचवड म.न.पा.

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

CustomerDocument068e200000kWYk4AAG (1).pdf

as printed
FLAT NO.504, 5TH FLOOR, WING C, SR NO 492/493/494, SR NO 492/493/494/2, PLOT NO B, DESTINATION 24 AVENUE, CHARHOLI BK, NEAR TANISH ORCHID PHASE II, PUNE, PUNE, MAHARASHTRA, INDIA, 412105

PIN
412105

the Index II

Mundhe Index II.pdf

the property
1) itara varnanah, itara maahitih gaanva mauje chaholi budruka, taa. haveli, ji. pune yethila milakata yaansi sarvhe nan. 492/493/494/2 yaansi ekuna kshetra 00 he 112.91 chau mi aara, yaansi aakaara ru 0.44 paise., sarvhe nan. 492/493/494 yaansi ekuna kshetra 00 he 24.27 chau mi aara, yaansi aakaara ru 9.46 paise., yaansi plota nan. bi yaa milakativara baandhanyaata yeta asalelyaa "destineshana 24 avenyu " yaa yojanetila vinga nan. si madhila paachavyaa majalyaavarila phlata / apaartamenta nan. 504, yaansi kaarapeta kshetra 32.34 chau.mi va bandista baalkani kshetra 4.03 chau. mi. ashaa yaa milakatiche . ((SURVEY NUMBER : 492;)) - sthaanika svaraajya sansthaah pimpari-chinchavada ma.na.paa.

PIN
411039

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 504 5TH FLOOR WING C DESTINATION 24 AVENUE SURVEY NO 492/493/494/2 PLOT NO B

Locality/Road
CHARHOLI BK NEAR TANISH ORCHID PHASE II

Area/City
PUNE

check or correct a box, the papers beside it →

the Index II also prints: 0, 00, 03, 1, 112, 27, 32, 34, AAKAARA, AARA, APAARTAMENTA, ASALELYAA, ASHAA, AVENYU, BAALKANI, BAANDHANYAATA, BANDISTA, BI

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	ASHISH MANIKRAO MUNDE	BNUPM1759E	…3015

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
documents acknowledged	dipak.zanan@phfl.com	5h ago

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

Payment screenshot IMG-20261013-WA0008(1).jpg needs your check

date
2026-10-13

time
08:24

amount
16558

method
UPI

payee name
THINKBIGZ INITIATIVE PVT LTD

raw reading (for Abhijit)

{'utr': None, 'date': '2026-10-13', 'time': '08:24', 'amount': 16558, 'method': 'UPI', 'payee_upi': None, 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}

Other image001.gif needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Selfie / photo IMG-20261013-WA0037.jpg needs your check

kind
photo_of_screen

legible
False

confidence
0.9

face visible
True

quality issue
the face is not clearly visible (too dark)

raw reading (for Abhijit)

{'kind': 'photo_of_screen', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'the face is not clearly visible (too dark)'}

Sanction letter CustomerDocument068e200000kWYk4AAG (1).pdf needs your check

lan
NHL/PUN/0926/5223786

legible
True

purpose
Non Housing Loan, Business Purpose

borrowers
{'name': 'ASHISH MANIKRAO MUNDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'UJWLA MANIKRAO MUNDE', 'role': 'applicant', 'label': 'Applicant'}

confidence
1

rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.55% = 9.60% per annum as on the date of execution of the loan agreement

loan amount
1745000

rate spread
-3.55

final amount
1832250

interest rate
9.6

sanction date
13-Oct-2026

letter version
6

reference rate
13.15

applicant email
ashishmunde05@gmail.com

applicant names
ASHISH MANIKRAO MUNDE, UJWLA MANIKRAO MUNDE

printed altered
False

applicant mobile
9112796849

balance transfer
False

property address
pin: 412105; state: MAHARASHTRA; flat_no: 504; district: Pune; floor_no: 5TH; landmark: NEAR TANISH ORCHID PHASE II; full_address: FLAT NO.504, 5TH FLOOR, WING C, SR NO 492/493/494, SR NO 492/493/494/2, PLOT NO B, DESTIN

insurance premium
87250

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1832250

security address verbatim
FLAT NO.504, 5TH FLOOR, WING C, SR NO 492/493/494, SR NO 492/493/494/2, PLOT NO B, DESTINATION 24 AVENUE, CHARHOLI BK, NEAR TANISH ORCHID PHASE II, Pune, Pune, MAHARASHTRA, India, 412105

applicant address verbatim
SR.NO.216 MANIK MOTI NIVAS SANT TUKARAM NAGAR,, BHOSARI, PANYACHI TAKI JAVAL, BHOSARI, ., Pune, MAHARASHTRA, 411039, India

raw reading (for Abhijit)

{'lan': 'NHL/PUN/0926/5223786', 'legible': True, 'purpose': 'Non Housing Loan, Business Purpose', 'borrowers': [{'name': 'ASHISH MANIKRAO MUNDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'UJWLA MANIKRAO MUNDE', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.55% = 9.60% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1745000, 'rate_spread': -3.55, 'final_amount': 1832250, 'interest_rate': 9.6, 'quality_issue': None, 'sanction_date': '13-Oct-2026', 'letter_version': '6', 'reference_rate': 13.15, 'applicant_email': 'ashishmunde05@gmail.com', 'applicant_names': ['ASHISH MANIKRAO MUNDE', 'UJWLA MANIKRAO MUNDE'], 'printed_altered': False, 'applicant_mobile': '9112796849', 'balance_transfer': False, 'property_address': {'pin': '412105', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '504', 'district': 'Pune', 'floor_no': '5TH', 'landmark': 'NEAR TANISH ORCHID PHASE II', 'full_address': 'FLAT NO.504, 5TH FLOOR, WING C, SR NO 492/493/494, SR NO 492/493/494/2, PLOT NO B, DESTINATION 24 AVENUE, CHARHOLI BK, NEAR TANISH ORCHID PHASE II, Pune, Pune, MAHARASHTRA, India, 412105', 'village_city': 'Pune', 'building_name': 'DESTINATION 24 AVENUE, TANISH ORCHID PHASE II', 'survey_or_cts_no': 'SR NO 492/493/494, SR NO 492/493/494/2'}, 'insurance_premium': 87250, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1832250, 'security_address_verbatim': 'FLAT NO.504, 5TH FLOOR, WING C, SR NO 492/493/494, SR NO 492/493/494/2, PLOT NO B, DESTINATION 24 AVENUE, CHARHOLI BK, NEAR TANISH ORCHID PHASE II, Pune, Pune, MAHARASHTRA, India, 412105', 'applicant_address_verbatim': 'SR.NO.216 MANIK MOTI NIVAS SANT TUKARAM NAGAR,, BHOSARI, PANYACHI TAKI JAVAL, BHOSARI, ., Pune, MAHARASHTRA, 411039, India'}

Index II Mundhe Index II.pdf needs your check

kind
index2_input

extracted
pin: 411039; rows: {'r5_area_text': '1) 32.34 चौ. मीटर', 'r7_executants': [{'age': '58', 'pan': 'AAKXXXXX9R', 'name': 'मे. डी. आर. गव्हाणे लॅण्डमार्क्स एलएलपी तर्फे भागीदार श्री. अमित दामोदर गव्हाणे तर्फे कुमु म्हणून श्र

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': '411039', 'rows': {'r5_area_text': '1) 32.34 चौ. मीटर', 'r7_executants': [{'age': '58', 'pan': 'AAKXXXXX9R', 'name': 'मे. डी. आर. गव्हाणे लॅण्डमार्क्स एलएलपी तर्फे भागीदार श्री. अमित दामोदर गव्हाणे तर्फे कुमु म्हणून श्री. मनोज चुडामण पाटील यांचे तर्फे क. ज. कुमु म्हणुन श्री. दिनेश परशुरामसिंह राजपूत', 'address': 'प्लॉट नं: ., माळा नं: ., इमारतीचे नावः ., ब्लॉक नं: ., रोड नंः भोसरी, पुणे, महाराष्ट्र, पुणे. पिन:- 411039'}, {'age': '58', 'pan': 'AAKXXXXX9R', 'name': 'मूळ मालक/मान्यता देणार यांचे तर्फे कुमु म्हणून व स्वतः करीता मे. डी. आर. गव्हाणे लॅण्डमार्क्स एलएलपी यांचे तर्फे क. ज. कुमु म्हणुन दिनेश परशुरामसिंह राजपूत', 'address': 'प्लॉट नंः ., माळा नं:., इमारतीचे नावः, ब्लॉक नंः, रोड नंः भोसरी, पुणे, महाराष्ट्र, पुणे. पिन:- 411039'}, {'age': '64', 'pan': 'BTPXXXXX1F', 'name': 'श्री. भानुदास दशरथ काळजे', 'address': 'प्लॉट नं: -, माळा नं: -, इमारतीचे नावः, ब्लॉक नं: -, रोड नंः सत्यनारायण मंदिर, संत कृपा निवास, सत्यनारायण हौसिंग सोसायटी, भोसरी, पुणे, महाराष्ट्र, पुणे. पिनः - 411039'}, {'age': '53', 'pan': 'DSIXXXXX8J', 'name': 'सौ. शशिकला भानुदास काळजे', 'address': 'प्लॉट नं: ., माळा नं:., इमारतीचे नावः, ब्लॉक नं:., रोड नंः सत्यनारायण मंदिर, संत कृपा निवास, सत्यनारायण हौसिंग सोसायटी, भोसरी, पुणे, महाराष्ट्र, पुणे. पिनः - 411039'}, {'age': '34', 'pan': 'BQDXXXXX0K', 'name': 'श्री. रोहित भानुदास काळजे', 'address': 'प्लॉट नं: -, माळा नं: -, इमारतीचे नावः, ब्लॉक नंः, रोड नंः सत्यनारायण मंदिर, संत कृपा निवास, सत्यनारायण हौसिंग सोसायटी, भोसरी, पुणे, महाराष्ट्र, पुणे. पिनः- 411039'}], 'r8_purchasers': [{'age': '40', 'pan': 'BNUXXXXX9E', 'name': 'आशिष माणिकराव मुंदे', 'address': 'प्लॉट नं: -, माळा नं:-, इमारतीचे नावः, ब्लॉक नंः, रोड नंः सव्र्व्हे नं.216, संत तुकाराम नगर, आळंदी रोड, भोसरी, महाराष्ट्र, पुणे. पिनः - 411039'}], 'r1_document_type': 'अनुच्छेद – अभिहस्तातंरणपत्र प्रकार - अँग्रीमेंट टू सेल', 'r9_execution_date': '21-08-2026'}, 'doc_no': 'HVL18-25884-2026', 'village': 'चन्होली बुद्रुक', 'doc_kind': 'Index II', 'doc_year': '2026', 'sro_name': 'सह दु.नि. हवेली 18', 'area_text': '1) 32.34 चौ. मीटर', 'mortgagee': 'ICICI Bank', 'filing_fee': 0, 'header_sro': 'सह दु.नि. हवेली 18', 'mortgagors': [], 'stamp_duty': 0,

PAN card KYC munde.pdf needs your check

dob
1986-04-05

pan
BNUPM1759E

name
MUNDE ASHISH MANIKRAO

legible
True

father name
MANIKRAO KNTHVJI MUNDE

raw reading (for Abhijit)

{'dob': '1986-04-05', 'pan': 'BNUPM1759E', 'name': 'MUNDE ASHISH MANIKRAO', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'MANIKRAO KNTHVJI MUNDE', 'aadhaar_last4': None, 'quality_issue': None}

Other image001.gif needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

PAN card KYC munde.pdf needs your check

dob
1986-04-05

name
Ashish Manikrao Munde

mobile
9112796849

address
pin: 411039; area: PANYACHI TAKI JAVAL; road: NEAR WATER TANK; state: Maharashtra; building: MANIK MOTI NIVAS SANT TUKARAM NAGAR; district: PUNE; village_city: BHOSARI

legible
True

aadhaar last4
3015

raw reading (for Abhijit)

{'dob': '1986-04-05', 'pan': None, 'name': 'Ashish Manikrao Munde', 'mobile': '9112796849', 'address': {'pin': '411039', 'area': 'PANYACHI TAKI JAVAL', 'flat': None, 'road': 'NEAR WATER TANK', 'floor': None, 'state': 'Maharashtra', 'building': 'MANIK MOTI NIVAS SANT TUKARAM NAGAR', 'district': 'PUNE', 'post_office': None, 'village_city': 'BHOSARI'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3015', 'quality_issue': None}

Payment screenshot IMG-20261013-WA0008(1).jpg needs your check

payments inside
kind: payment_screenshot; payments: [{'utr': None, 'date': '2026-10-13', 'page': 1, 'time': '08:24', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 16558.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'su

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': None, 'date': '2026-10-13', 'page': 1, 'time': '08:24', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 16558.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': None, 'account_holder': None}}

Paid challan (GRAS) MUNDE ASHISH MANIKRAO EchallanMH011946027202627E.pdf needs your check

grn
MH011946027202627E

pin
412105

total
14680.0

article
6(1)

defaced
False

bank cin
03006172026101301557

district
PUNE

area city
PUNE

payer pan
BNUXXXXXXE

flat block
FLAT NO 504 5TH FLOOR WING NO C DESTINATION 24 AVENUE SR NO 492/493/494 SURVEY NO 492/493/494/2

payer name
MUNDE ASHISH MANIKRAO

sro office
HVL18_HAVELI 18 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1832250

scheme rows
{'amount': 5510.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 9170.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX6849

payment date
13/10/2026-19:43:54

road locality
PLOT NO B CHARHOLI BK NEAR TANISH ORCHID PHASE II PUNE MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1832250

raw reading (for Abhijit)

{'grn': 'MH011946027202627E', 'pin': '412105', 'total': 14680.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101301557', 'district': 'PUNE', 'area_city': 'PUNE', 'payer_pan': 'BNUXXXXXXE', 'flat_block': 'FLAT NO 504 5TH FLOOR WING NO C DESTINATION 24 AVENUE SR NO 492/493/494 SURVEY NO 492/493/494/2', 'payer_name': 'MUNDE ASHISH MANIKRAO', 'sro_office': 'HVL18_HAVELI 18 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1832250', 'scheme_rows': [{'amount': 5510.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 9170.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX6849', 'payment_date': '13/10/2026-19:43:54', 'road_locality': 'PLOT NO B CHARHOLI BK NEAR TANISH ORCHID PHASE II PUNE MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1832250'}

Technical record (for Abhijit — safe to ignore)

1h ago	ezdocs:reader	reader_efiling_verdict	{'fp': '4b48601218d1e40e', 'asked': True, 'findings': [{'do': 'Ask the branch for the Memorandum of Deposit of Title Deeds (MOTD) or the mortgage deed to find the date of mortgage.', 'box': 'Date of Mortgage', 'why': 'Th
2h ago	bank-pay:pnb_hfl	payment_page_opened	{'ua': 'Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +c', 'why': "someone opened the pay link from the NOI team's mail — on the record only; it ties no money", 'amount': 16500.33, 'case_n
4h ago	system:reconcile	quoted_history_checked	{}
4h ago	system:reconcile	extra_challan_scanned	{'found': 0}
4h ago	system:learn	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed BNxxxxxxXE — no paper on the
5h ago	system:ingest	challan_found_on_case	{'was': 'ACKNOWLEDGED', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'MUNDE ASHISH MANIKRAO EchallanMH011946027202627E.pdf', 'kind': '
5h ago	system:ingest	desk_document_shared	{'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'MUNDE ASHISH MANIKR
5h ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'HVL18_HAVELI 18 JOINT SUB REGISTRAR', 'district': 'PUNE'}
5h ago	system:extract	challan_verified_against_case	{'grn': 'MH011946027202627E', 'file': 'MUNDE ASHISH MANIKRAO EchallanMH011946027202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
5h ago	system:extract	challan_extracted	{'grn': 'MH011946027202627E', 'file': 'MUNDE ASHISH MANIKRAO EchallanMH011946027202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 14680.0}
5h ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '508056', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed HVL18
5h ago	copilot:DARBAR	copilot_edit	{'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
5h ago	copilot	copilot_check_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 15, 'differs': []}
5h ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 15, 'issues': 0, 'case_no': 'NOI-2026-03482'}
5h ago	ops:copilot	challan_boxes_not_the_papers_words	{'why': "check — the boxes carry words the base paper does not print (SURVEY) — read box 1 once against the paper's own words"}
5h ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-13T14:06:26', 'why': 'reading', 'open': 4, 'mails': [{'at': '2026-10-13 14:01', 'id': '1a13594bb2e895e1', 'from': 'branch', 'gist': 'The branch is asking for the challan and NOI for a resale cas
5h ago	ezdocs:reader	branch_from_reading501	{'why': "the branch's mail named no branch; the papers print this one — the bank's branch-wise summary places the case by it", 'branch': 'PUNE'}
5h ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '287c225b005cfa12', 'docs': ['Mundhe Index II.pdf', 'CustomerDocument068e200000kWYk4AAG (1).pdf', 'KYC munde.pdf'], 'loan': {'amount': 1832250, 'made_of': [{'what': 'Sanctioned Amount', 'paper': 'Sa
5h ago	ezdocs:reader	money_settled	{'fp': '6be0f5415fbec63f', 'held': 1832250.0, 'asked': True, 'action': 'agrees', 'agrees': True, 'amount': 1832250.0, 'papers': [{'lan': 'NHL/PUN/0926/5223786', 'file': 'CustomerDocument068e200000kWYk4AAG (1).pdf', 'kind
5h ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'new mail', 'docs': ['Mundhe Index II.pdf', 'CustomerDocument068e200000kWYk4AAG (1).pdf', 'KYC munde.pdf'], 'after': {'from': 'Mundhe Index II.pdf', 'addresses': {'people': [['ASHISH MANIKRAO MUNDE'
5h ago	system:extract	address_compared	{'sig': 'aee7fb4cb5d40403', 'why': 'after gather', 'people': [{'home': 'MANIK MOTI NIVAS SANT TUKARAM NAGAR, NEAR WATER TANK, PANYACHI TAKI JAVAL, BHOSARI, PUNE, 411039', 'person': 'ASHISH MANIKRAO MUNDE', 'against': [{'
5h ago	system:extract	challan_boxes_composed	{'fp': '1d642b9c9a05987e', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'first', 'box1': 'FLAT NO 504 5TH FLOOR WING C DES
5h ago	ezdocs:reader	reader_home_address	{'fp': '9dbbc5b5ba951917', 'from': 'the sanction letter (CustomerDocument068e200000kWYk4AAG (1).pdf)', 'home': {'pin': '411039', 'area': 'SANT TUKARAM NAGAR, PANYACHI TAKI JAVAL', 'flat': 'SR.NO.216', 'state': 'MAHARASHT
5h ago	system:payments	hidden_payment_scan	{'file': 'IMG-20261013-WA0008(1).jpg', 'kind': 'payment_screenshot', 'found': 0, 'doc_id': 'd36ff985-f163-4193-94d8-9b49bfe8b2cc', 'fetched': True}
5h ago	system:extract	property_self_check	{'ok': True, 'why': "EzDocs judged every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 18, 'trigger': 'after the Index II takeover'}
5h ago	system:extract	property_from_index2	{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'Mundhe Index II.pdf', 'changed': {'attr1_value': {'was': '492/493/494/2, 4
5h ago	system:extract	index2_people_checked	{'doc_id': '87f761a9-693b-4867-97f1-b4886d45c564', 'differs': 1, 'matched': [{'score': 0.93, 'person': 'ASHISH MANIKRAO MUNDE', 'pan_agrees': False}], 'not_on_case': 0}
5h ago	system:extract	index2_pan_differs	{'why': "the Index II's purchaser row prints a different PAN from the card on the case — either the KYC is someone else's or the registrar typed it wrong; a person decides", 'doc_id': '87f761a9-693b-4867-97f1-b4886d45c56
5h ago	system:extract	property_numbers_completed	{'now': {'attr1_value': '492/493/494/2, 492/493/494, 492, 492/493/494/2 HAVING, 492/493/494 HAVING', 'attr2_value': '492/493/494/2, 492/493/494, 492, 492/493/494/2 HAVING, 492/493/494 HAVING'}, 'was': {'attr1_value': '49
5h ago	system:ingest	documents_read_together	{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 6, 'seconds': 31.5, 'workers': 5}

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

Papers

A file cannot be used

Selfie / photo — a usable one is being asked for

Money

₹16,558 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: The work is done — our fee of ₹16,500.33 is still not in our account. Chase the branch for it. Selfie / photo: copy on file cannot be used. A usable one is being asked for.

Yesterday · 13 Oct54 things

reader efiling verdict — by ezdocs:reader