Cases / NOI-2026-00787
VINOD HAJARILAL VAISHYA
LAN 49788047
Challan paid · our move
File on IGRAll documentsMails & papers 5Mail 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).
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 needs2 still to come
5 of 7 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓Selfie / photoopen
✓PAN cardopen
✓Sanction letteropen
Applicant's Aadhaar Card — still needed
Property address — READ from the Index II, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
All files (7)A label is wrong? Fix it under All documents.
For you to check
- The work is done — our fee of ₹19,140 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹19,140
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹19,120; we wait for the credit itself
Stamp duty 0.3%6,500
Registration fee 0.5%10,820
Government handling320
Our service fee1,500
Total we ask for19,140
Screenshot ₹19,120 — ₹20 under our ask, not below the real calculation ₹19,104. Counts as full. Nothing to ask.
Screenshot ₹19,120 — verified by itself the moment the bank credit is heard.
Screenshot ₹19,120 — verified by itself the moment the bank credit is heard.
why?
The branch paid the statutory-exact figure (our ₹10 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.
This money went to our account on the Samsung (ThinkBigz). That ear is working (last reached us 15 Oct 16:27 — 1 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
By law ₹19,124. We ask ₹19,140 (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 80 hour time · 3 Sep 21:39
Index II —not yet
the NOI team 50 d 19 htotal 50 d 19 h so far
Now with the NOI team — e-filing on IGR
since 3 Sep 21:39 — 41 d 20 h of working time
Day by day — every step and who held it
25 Aug 22:30Your branch's mail
1 Sep 21:10Fee quoted+6 d 22 h · the NOI team
1 Sep 21:10Papers readat once
1 Sep 21:11Property readat once
1 Sep 21:11Papers read+1 min · the NOI team
3 Sep 21:39Challan made+2 d · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹21,63,000
Loan account no.
49788047
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, EzDocs sees:
• payment NOT verified — office rule: no filing before credit
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• no challan GRN on the case — upload the paid challan first (its GRN fills the payment page)
• 2 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: Second number type, Second number
• Build Up Area not on file — read it off the Index II / sale deed
• taluka not on file — pick it on the portal (district cascade)
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 | 401203 … ne, Virar Nallasopara Link Road, Thane, MAHARASHTRA, India, 401203 401203 |
| The Index II DIFFERS | 400019 … कारपेट, एनक्लोज बालकनी 5.77 चौ मी ((Survey Number: 399;)) 400019 |
What to do: The challan and the filing follow the sanction letter, the bank's own paper (PIN 401203). Read the papers once — if PIN 401203 is not right, ask the branch before you pay or file.
Compared: the sanction letter, the Index II. Nothing here is typed or changed by itself.
Where this case stands — the whole trailread by EzDocs as one conversation
The initial documents have been sent by the branch, the fee payment has been acknowledged, and the challan has been shared. The team is currently waiting for a colour live selfie photo of the applicant from the branch to proceed with the NOI filing.
the history says the next move is with the branch — the selfie photo
the branch last asked: Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen
✓ loan papers sent — done, mail 2 (2026-08-26) “We acknowledge the receipt of your mail documents and payment.”
✓ fee paid — the branch's words — done, mail 2 (2026-08-26) “We acknowledge the receipt of your mail documents and payment.”
✓ challan made — done, mail 3 (2026-08-26) “PFA challan for your reference.”
✓ challan shared — done, mail 3 (2026-08-26) “PFA challan for your reference.”
? Index II asked for — asked, mail 4 (2026-09-12) “For NOI filing, We need a colour live selfie photo of the applicant Vinod Hajarilal Vaishya..”
✓ Index II / sale deed sent by the branch — done, mail 1 the sentence it relies on is not in that mail — not counted
read over 4 mail(s), last mail 2026-09-12 · read 30d 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.
✗ EzDocs found boxes that do NOT agree with the document (30d ago) — open the verification page; they are marked in red.
2File the NOI on the IGR site, then tell the branchYOU ARE HERE
then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.
3Send the downloaded e-filing copy
When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.
DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt
4Bank approval snip (Sammaan & Hinduja only)
These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.
No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.
Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.
Filing record (attempts, GRN, token)
| Attempt | GRN | Token | Status | Submitted |
|---|---|---|---|---|
| no filing yet |
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.
No draft is waiting on this case. EzDocs 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
VK
vishal.kanojia@phfl.com phfl.com
25 Aug, 22:30 · 50d ago THE APP JOINED HERE — earlier mails are on Gmail
25 Aug, 22:30 · 50d ago THE APP JOINED HERE — earlier mails are on Gmail
Re[2]: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
📎 1001676659.jpg↗📎 IMG-20260729-WA0059 (1).jpg↗📎 IMG-20260729-WA0068.jpg↗📎 index ii (2).pdf↗📎 sanction letter (3).pdf↗📎 IMG-20260824-WA0026.jpg↗📎 image003.jpg↗
Dear Team,
Request you for NOI , 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Thanks & Regards, VISHAL KANOJIA ? Channel Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited). Mobile - 9702374474 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com
earlier mails quoted below
----- Original Message ----- From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com) Date: 08/25/26 22:34 To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com) Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dear Team, Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Thanks & Regards, VISHAL KANOJIA ? Channel Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited). Mobile - 9702374474 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com ----- Original Message ----- From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Date: 08/25/26 22:32 To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com) Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dea team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/- ----- Forwarded Message ----- From: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Date: 08/25/26 22:17 To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com), Rohit 3 (rohit3@phfl.com) Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dea team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/- \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Date: 08/25/26 22:14 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com) Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dear Team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/-
Dear Team,
Request you for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Thanks & Regards,
VISHAL KANOJIA?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free :1800 120 8800
Web Site : www.pnbhousing.com
----- Original Message -----
From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Date: 08/25/26 22:34
To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com)
Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Dear Team,
Request you for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Thanks & Regards,
VISHAL KANOJIA?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free :1800 120 8800
Web Site : www.pnbhousing.com
----- Original Message -----
From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
Date: 08/25/26 22:32
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com)
Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Dea team,
Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Loan Amt-: - 2163000/-
NOI 0.3 challan:- 6489/-
MOI 0.5 Challan:- 10815/-
Vendor charges-1800/-
Total - 19104/-
----- Forwarded Message -----
From: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Date: 08/25/26 22:17
To: Kaushik Sanjay Zagade (ka
🤖 read: asks for the e-filing copy; documents attached — “Request you for NOI , 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya”
2 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
26 Aug, 11:48 · 50d ago
26 Aug, 11:48 · 50d ago
Team,We acknowledge the receipt of your mail documents and payment.
We will initiate the challan for the same.
For NOI filing, We need a colour live selfie photo of the applicantVinod Hajarilal Vaishya..
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 25 Aug 2026 at 22:37, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Dear Team, Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Thanks & Regards, VISHAL KANOJIA ? Channel Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited). Mobile - 9702374474 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com ----- Original Message ----- From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com) Date: 08/25/26 22:34 To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com) Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dear Team, Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Thanks & Regards, VISHAL KANOJIA ? Channel Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited). Mobile - 9702374474 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com ----- Original Message ----- From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Date: 08/25/26 22:32 To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com) Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dea team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/- ----- Forwarded Message ----- From: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Date: 08/25/26 22:17 To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com), Rohit 3 (rohit3@phfl.com) Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dea team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/- \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Date: 08/25/26 22:14 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com) Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dear Team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/-
🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
26 Aug, 12:47 · 50d ago
26 Aug, 12:47 · 50d ago
Team,PFA challan for your reference.
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Wed, 26 Aug 2026 at 11:48, 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 Vinod Hajarilal Vaishya.. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Tue, 25 Aug 2026 at 22:37, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Dear Team, Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Thanks & Regards, VISHAL KANOJIA ? Channel Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited). Mobile - 9702374474 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com ----- Original Message ----- From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com) Date: 08/25/26 22:34 To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com) Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dear Team, Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Thanks & Regards, VISHAL KANOJIA ? Channel Manager – Ghatkopar Branch. PHFL Home Loans And Services Limited. (A Wholly Owned Subsidiary of PNB Housing Finance Limited). Mobile - 9702374474 Toll Free : 1800 120 8800 Web Site : www.pnbhousing.com ----- Original Message ----- From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Date: 08/25/26 22:32 To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com) Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dea team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/- ----- Forwarded Message ----- From: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Date: 08/25/26 22:17 To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com), Rohit 3 (rohit3@phfl.com) Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dea team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/- \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com) Date: 08/25/26 22:14 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com) Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Dear Team, Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya Loan Amt-: - 2163000/- NOI 0.3 challan:- 6489/- MOI 0.5 Challan:- 10815/- Vendor charges-1800/- Total - 19104/-
Team,
PFA challan for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Wed, 26 Aug 2026 at 11:48, 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 Vinod Hajarilal Vaishya..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 25 Aug 2026 at 22:37, Vishal Lalbahadur Kanojia <
vishal.kanojia@phfl.com> wrote:
> Dear Team,
>
> Request you for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>
> Thanks & Regards,
>
> *VISHAL KANOJIA**?*
>
> Channel Manager – Ghatkopar Branch.
>
> PHFL Home Loans And Services Limited.
>
> (A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*
>
> Mobile - 9702374474
>
> Toll Free :*1800 120 8800*
>
> Web Site : *www.pnbhousing.com <http://www.pnbhousing.com/>*
>
> [image: E-mailer Signeture draft]
>
> ----- Original Message -----
> ------------------------------
> From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
> Date: 08/25/26 22:34
> To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
> Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Ha
🤖 read: challan shared ✓ — “PFA challan for your reference.”
OL
The NOI teamTYPED IN GMAIL
12 Sep, 12:56 · 33d ago
12 Sep, 12:56 · 33d ago
Team,
For NOI filing, We need a colour live selfie photo of the applicant Vinod
Hajarilal Vaishya..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Wed, 26 Aug 2026 at 12:47, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
Team,
PFA challan for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Wed, 26 Aug 2026 at 11:48, 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 Vinod Hajarilal Vaishya..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Tue, 25 Aug 2026 at 22:37, Vishal Lalbahadur Kanojia <
> vishal.kanojia@phfl.com> wrote:
>
>> Dear Team,
>>
>> Request you for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>> Thanks & Regards,
>>
>> *VISHAL KANOJIA**?*
>>
>> Channel Manager – Ghatkopar Branch.
>>
>> PHFL Home Loans And Services Limited.
>>
>> (A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*
>>
>> Mobile - 9702374474 <(970)%20237-4474>
>>
>> Toll Free :*1800 120 8800*
>>
>> Web Site : *www.pnbhousing.com <http://www.pnbhousing.com/>*
>>
>> [image: E-mailer Signeture draft]
>>
>> ----- Original Message -----
>> ------------------------------
>> From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
>> Date: 08/25/26 22:34
>> To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
>> Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (
>> harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com),
>> Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (
>> rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com)
>> Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>> Dear Team,
>>
>> Request you for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>>
>> Thanks & Regards,
>>
>> *VISHAL KANOJIA**?*
>>
>> Channel Manager – Ghatkopar Branch.
>>
>> PHFL Home Loans And Services Limited.
>>
>> (A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*
>>
>> Mobile - 9702374474 <(970)%20237-4474>
>>
>> Toll Free :*1800 120 8800*
>>
>> Web Site : *www.pnbhousing.com <http://www.pnbhousing.com/>*
>>
>> [image: E-mailer Signeture draft]
>>
>> ----- Original Message -----
>> ------------------------------
>> From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
>> Date: 08/25/26 22:32
>> To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
>> Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (
>> harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com),
>> Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (
>> rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com)
>> Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>> Dea team,
>>
>>
>> Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>>
>>
>> Loan Amt-: - 2163000/-
>>
>> NOI 0.3 challan:- 6489/-
>>
>> MOI 0.5 Challan:- 10815/-
>>
>> Vendor charges-1800/-
>>
>> Total - 19104/-
>>
>>
>>
>>
>>
>>
>>
>> ----- Forwarded Message -----
>> ------------------------------
>> From: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
>> Date: 08/25/26 22:17
>> To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
>> Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (
>> shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (
>> samyukta.pulikal1@phfl.com), Nimisha Nandan (
>> nimisha.nandan@pnbhousing.com), Rohit 3 (rohit3@phfl.com)
>> Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>> Dea team,
>>
>>
>> Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>>
>>
>> Loan Amt-: - 2163000/-
>>
>> NOI 0.3 challan:- 6489/-
>>
>> MOI 0.5 Challan:- 10815/-
>>
>> Vendor charges-1800/-
>>
>> Total - 19104/-
>>
>>
>>
>>
>> *\*
>>
>> Thanks & Regards,
>>
>> Harshal Hanamant Ghorpade
>>
>> Branch Operation Executive
>>
>> PNB Housing Finance Ltd,
>>
>> 601-602, Sixth Floor, Presidential Plaza,
>>
>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>
>> Mumbai Maharashtra – 400086
>>
>> Toll Free: 022-49788047
>>
>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>
>> <https://play.google.com/store/apps/details?id=com.pnbhfl.pnbhfl2>
>>
>> ----- Original Message -----
>> ------------------------------
>> From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
>> Date: 08/25/26 22:14
>> To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
>> Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (
>> shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (
>> samyukta.pulikal1@phfl.com)
>> Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>> Dear Team,
>>
>>
>> Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No
>> NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
>>
>>
>>
>> Loan Amt-: - 2163000/-
>>
>> NOI 0.3 challan:- 6489/-
>>
>> MOI 0.5 Challan:- 10815/-
>>
>> Vendor charges-1800/-
>>
>> Total - 19104/-
>>
>>
>>
>>
>>
🤖 read: asks the branch for documents — “For NOI filing, We need a colour live selfie photo of the applicant Vinod Hajarilal Vaishya..”
OL
The NOI teamTYPED IN GMAIL
03 Oct, 17:18 · 12d ago
03 Oct, 17:18 · 12d ago
Team,
For NOI filing, We need a colour live selfie photo of the applicantVinod Hajarilal Vaishya..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Sat, 12 Sept 2026 at 12:56, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For NOI filing, We need a colour live selfie photo of the applicant Vinod Hajarilal Vaishya..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 26 Aug 2026 at 12:47, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 26 Aug 2026 at 11:48, 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 Vinod Hajarilal Vaishya..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 25 Aug 2026 at 22:37, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Dear Team,
Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
From: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Date: 08/25/26 22:34
To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com)
Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Dear Team,
Request you for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
Date: 08/25/26 22:32
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Rohit 3 (rohit3@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com)
Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Dea team,
Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Loan Amt-: - 2163000/-
NOI 0.3 challan:- 6489/-
MOI 0.5 Challan:- 10815/-
Vendor charges-1800/-
Total - 19104/-
From: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Date: 08/25/26 22:17
To: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com), Nimisha Nandan (nimisha.nandan@pnbhousing.com), Rohit 3 (rohit3@phfl.com)
Subject: Re: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Dea team,
Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Loan Amt-: - 2163000/-
NOI 0.3 challan:- 6489/-
MOI 0.5 Challan:- 10815/-
Vendor charges-1800/-
Total - 19104/-
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: Kaushik Sanjay Zagade (kaushik.zagade@phfl.com)
Date: 08/25/26 22:14
To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Samyukta Ranjeet Pulikal 1 (samyukta.pulikal1@phfl.com)
Subject: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Dear Team,
Request for NOI, 0.3 % & 0.5% NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
Loan Amt-: - 2163000/-
NOI 0.3 challan:- 6489/-
MOI 0.5 Challan:- 10815/-
Vendor charges-1800/-
Total - 19104/-
🤖 read: asks the branch for documents — “For NOI filing, We need a colour live selfie photo of the applicant Vinod Hajarilal Vaishya..”
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 |
|---|---|---|---|
| Selfie / photo | 1001676659.jpg | filed | 43d ago |
| PAN card | IMG-20260729-WA0059 (1).jpg | filed | 43d ago |
| PAN card | IMG-20260729-WA0068.jpg | filed | 43d ago |
| Index IIthe branch sent this — an input | index ii (2).pdf | filed | 43d ago |
| Sanction letter | sanction letter (3).pdf | filed | 43d ago |
| Payment screenshot | IMG-20260824-WA0026.jpg | filed | 43d ago |
| Other | image003.jpg | filed | 43d 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
₹19,140
₹19,140
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
₹19,120
₹19,120
Screenshot ₹19,120 — ₹20 under our ask, not below the real calculation ₹19,104. Counts as full. Nothing to ask.
Screenshot ₹19,120 — verified by itself the moment the bank credit is heard.
Screenshot ₹19,120 — verified by itself the moment the bank credit is heard.
why?
The branch paid the statutory-exact figure (our ₹10 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 at
—
—
Verified on
not yet
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹6,500 | ₹10,820 | ₹320 | ₹1,500 | ₹19,140 |
By law ₹19,124. We ask ₹19,140 (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.
Property (must be perfect)
29 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Taluka, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Property type (Open / Building / Open + Building), Area …
18 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Second number type, Second number, Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1), PIN (person 1), Village / city (person 1) …
✗ EzDocs found boxes that do NOT agree with the document (30d ago) — open the verification page; they are marked in red.
⚠ village/city still in Marathi — the portal wants English. Press Re-read in English now below — it runs in seconds; anything still empty or wrong goes to Abhijit. Nothing files until a person verifies the property.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
sanction letter (3).pdf
as printed
FLAT NO A/407, 4TH FLOOR, DIVYAL HEIGHTS CHSL, NEAR SBS SCHOOL, NALLASOPARA WEST, THANE, VIRAR NALLASOPARA LINK ROAD, THANE, MAHARASHTRA, INDIA, 401203
FLAT NO A/407, 4TH FLOOR, DIVYAL HEIGHTS CHSL, NEAR SBS SCHOOL, NALLASOPARA WEST, THANE, VIRAR NALLASOPARA LINK ROAD, THANE, MAHARASHTRA, INDIA, 401203
PIN
401203
401203
the Index II
index ii (2).pdf
the property
1) paalikeche naava:paalaghara itara varnana:, itara maahitih gaava mauje viraara, vibhaaga nan. 4, navina sarve nan 399/bi/1,399/bi/2,399/bi/3,399/bi/4,399/bi/5 (junaa sarve nan 399, hissaa nan 6,7) yaavarila divyala haaitsa imaaratimadhila sadanikaa kra. e/407, chauthaa majalaa, eriyaa 31.54 chau mi kaarapeta, enakloja baalakani 5.77 chau mi ((SURVEY NUMBER: 399;))
1) paalikeche naava:paalaghara itara varnana:, itara maahitih gaava mauje viraara, vibhaaga nan. 4, navina sarve nan 399/bi/1,399/bi/2,399/bi/3,399/bi/4,399/bi/5 (junaa sarve nan 399, hissaa nan 6,7) yaavarila divyala haaitsa imaaratimadhila sadanikaa kra. e/407, chauthaa majalaa, eriyaa 31.54 chau mi kaarapeta, enakloja baalakani 5.77 chau mi ((SURVEY NUMBER: 399;))
PIN
400019
400019
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO A/407 4TH FLOOR DIVYAL HEIGHTS CHSL SURVEY NO 399
FLAT NO A/407 4TH FLOOR DIVYAL HEIGHTS CHSL SURVEY NO 399
Locality/Road
NEAR SBS SCHOOL NALLASOPARA WEST VIRAR NALLASOPARA LINK ROAD
NEAR SBS SCHOOL NALLASOPARA WEST VIRAR NALLASOPARA LINK ROAD
Area/City
THANE
check or correct a box, the papers beside it →THANE
the Index II also prints: 1, 31, 399, 399/BI/1, 399/BI/2, 399/BI/3, 399/BI/4, 399/BI/5, BAALAKANI, CHAU, CHAUTHAA, ENAKLOJA, ERIYAA, GAAVA, HAAITSA, HISSAA, IMAARATIMADHILA, ITARA
Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main 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 | VINOD HAJARILAL VAISHYA | AILPV2249M | |
| co_mortgagor | MANISHA VINOD VAISHYA | AJQPV1734R |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| document chase | vishal.kanojia@phfl.com | 43d ago |
What EzDocs read from each document — check anything marked in red
PAN card IMG-20260729-WA0059 (1).jpg needs your check
dob
1978-04-05
1978-04-05
pan
AILPV2249M
AILPV2249M
name
VINOD HAJARILAL VAISHYA
VINOD HAJARILAL VAISHYA
legible
True
True
raw reading (for Abhijit)
{'dob': '1978-04-05', 'pan': 'AILPV2249M', 'name': 'VINOD HAJARILAL VAISHYA', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}PAN card IMG-20260729-WA0068.jpg needs your check
dob
1983-08-30
1983-08-30
pan
AJQPV1734R
AJQPV1734R
name
MANISHA VINOD VAISHYA
MANISHA VINOD VAISHYA
legible
True
True
raw reading (for Abhijit)
{'dob': '1983-08-30', 'pan': 'AJQPV1734R', 'name': 'MANISHA VINOD VAISHYA', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}Index II index ii (2).pdf needs your check
kind
index2_input
index2_input
extracted
pin: 400019; doc_no: 5009; village: विरार; doc_kind: सूची क्र.2; doc_year: 2021; sro_name: सह दु.नि. वसई 2; area_text: 1) 37.31 चौ. मीटर; filing_fee: 25200; mortgagors: ['विनोद हजारीलाल वैश्य', 'मनिषा विनोद वैश्य']; stam
pin: 400019; doc_no: 5009; village: विरार; doc_kind: सूची क्र.2; doc_year: 2021; sro_name: सह दु.नि. वसई 2; area_text: 1) 37.31 चौ. मीटर; filing_fee: 25200; mortgagors: ['विनोद हजारीलाल वैश्य', 'मनिषा विनोद वैश्य']; stam
raw reading (for Abhijit)
{'kind': 'index2_input', 'extracted': {'pin': '400019', 'doc_no': '5009', 'village': 'विरार', 'doc_kind': 'सूची क्र.2', 'doc_year': '2021', 'sro_name': 'सह दु.नि. वसई 2', 'area_text': '1) 37.31 चौ. मीटर', 'filing_fee': 25200, 'mortgagors': ['विनोद हजारीलाल वैश्य', 'मनिषा विनोद वैश्य'], 'stamp_duty': 100800, 'filing_date': '2021-03-26', 'loan_amount': 2520000, 'property_text': '1) पालिकेचे नाव:पालघर इतर वर्णन:, इतर माहितीः गाव मौजे विरार, विभाग नं. 4, नवीन सर्वे नं 399/बी/1,399/बी/2,399/बी/3,399/बी/4,399/बी/5 (जुना सर्वे नं 399, हिस्सा नं 6,7) यावरील दिव्यल हाईट्स इमारतीमधील सदनिका क्र. ए/407, चौथा मजला, एरिया 31.54 चौ मी कारपेट, एनक्लोज बालकनी 5.77 चौ मी ( (Survey Number: 399;))', 'survey_numbers': ['399/बी/1', '399/बी/2', '399/बी/3', '399/बी/4', '399/बी/5', '399', '6', '7'], 'header_doc_number': '5009/2021'}}Sanction letter sanction letter (3).pdf needs your check
lan
NHL/GHKP/0726/5181946
NHL/GHKP/0726/5181946
legible
True
True
loan type
Non Housing Loan, Personal use
Non Housing Loan, Personal use
confidence
1
1
loan amount
2100000
2100000
interest rate
9.5
9.5
sanction date
06-Aug-2026
06-Aug-2026
letter version
3
3
applicant names
VINOD HAJARILAL VAISHYA, MANISHA VINOD VAISHYA
VINOD HAJARILAL VAISHYA, MANISHA VINOD VAISHYA
applicant mobile
9867207748
9867207748
property address
pin: 401203; road: Virar Nallasopara Link Road; state: MAHARASHTRA; Flat no: A/407; district: Thane; Floor: 4th Floor; landmark: Near SBS School; Address: Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS S
pin: 401203; road: Virar Nallasopara Link Road; state: MAHARASHTRA; Flat no: A/407; district: Thane; Floor: 4th Floor; landmark: Near SBS School; Address: Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS S
insurance premium
63000
63000
includes insurance
True
True
total with insurance
2163000
2163000
applicant address from462
read again off the letter's pages (page 1, Address row)
read again off the letter's pages (page 1, Address row)
security address verbatim
Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS School, Nallasopara West, Thane, Virar Nallasopara Link Road, Thane, MAHARASHTRA, India, 401203
Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS School, Nallasopara West, Thane, Virar Nallasopara Link Road, Thane, MAHARASHTRA, India, 401203
applicant address verbatim
B/22AZAD MAGAR CENTRAL RAILWAY COLONY, T.H. KATARIYA MARG, MATUNGA 400019,., Mumbai, MAHARASHTRA, 400019, India
B/22AZAD MAGAR CENTRAL RAILWAY COLONY, T.H. KATARIYA MARG, MATUNGA 400019,., Mumbai, MAHARASHTRA, 400019, India
raw reading (for Abhijit)
{'lan': 'NHL/GHKP/0726/5181946', 'legible': True, 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1, 'loan_amount': 2100000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '06-Aug-2026', 'letter_version': '3', 'applicant_names': ['VINOD HAJARILAL VAISHYA', 'MANISHA VINOD VAISHYA'], 'applicant_mobile': '9867207748', 'property_address': {'pin': '401203', 'road': 'Virar Nallasopara Link Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'A/407', 'district': 'Thane', 'floor_no': '4th Floor', 'landmark': 'Near SBS School', 'full_address': 'Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS School, Virar Nallasopara Link Road, Nallasopara West, Thane, MAHARASHTRA, 401203', 'village_city': 'Nallasopara West', 'building_name': 'Divyal Heights chsl', 'survey_or_cts_no': None}, 'insurance_premium': 63000, 'includes_insurance': True, 'total_with_insurance': 2163000, 'applicant_address_from462': "read again off the letter's pages (page 1, Address row)", 'security_address_verbatim': 'Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS School, Nallasopara West, Thane, Virar Nallasopara Link Road, Thane, MAHARASHTRA, India, 401203', 'applicant_address_verbatim': 'B/22AZAD MAGAR CENTRAL RAILWAY COLONY, T.H. KATARIYA MARG, MATUNGA 400019,., Mumbai, MAHARASHTRA, 400019, India'}Payment screenshot IMG-20260824-WA0026.jpg needs your check
date
2026-08-24
2026-08-24
amount
19120.0
19120.0
method
UPI
UPI
payee name
THINK BIGZ INITIATIVE PVT LTD
THINK BIGZ INITIATIVE PVT LTD
raw reading (for Abhijit)
{'utr': None, 'date': '2026-08-24', 'amount': 19120.0, 'method': 'UPI', 'payee_upi': None, 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}Other image003.jpg needs your check
payments inside
kind: other; payments: []
kind: other; payments: []
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': None, 'account_last4': None, 'account_holder': None}}Payment screenshot IMG-20260824-WA0026.jpg needs your check
payments inside
kind: payment_screenshot; payments: [{'utr': None, 'date': '2026-08-24', 'page': 1, 'time': '15:56', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19120.0, 'direction': 'debit', 'narration': 'Paid to THINK BIGZ INI
kind: payment_screenshot; payments: [{'utr': None, 'date': '2026-08-24', 'page': 1, 'time': '15:56', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19120.0, 'direction': 'debit', 'narration': 'Paid to THINK BIGZ INI
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': None, 'date': '2026-08-24', 'page': 1, 'time': '15:56', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19120.0, 'direction': 'debit', 'narration': 'Paid to THINK BIGZ INITIATIVE PVT LTD, Banking name: THINK BIGZ INITIATIVE PVT...', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': None, 'account_holder': None}}Technical record (for Abhijit — safe to ignore)
| 1d ago | EzDocs | challan_boxes_composed | {'fp': '0cee4afd78f16280', '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 A/407 4TH FLOOR DIVYAL H |
| 1d ago | EzDocs | reader_efiling_verdict | {'fp': '06e9b579db566849', '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. If no MOTD, ask the branch for the mort |
| 1d ago | EzDocs | reader_verdict | {'fp': '46493d986502d30f', 'asked': True, 'missed': [{'do': 'Change the district in box 3 from THANE to PALGHAR.', 'box': 'box 3', 'why': 'The district in the challan box is incorrect. Nallasopara West is in Palghar dist |
| 1d ago | EzDocs | reader_mail_addition | {'fp': '7f0704ed9f5054a1', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True} |
| 1d ago | EzDocs | reader_home_address | {'fp': 'c6376ebb61de9ee9', 'from': 'the sanction letter (sanction letter (3).pdf)', 'home': {'pin': '400019', 'flat': 'B/22', 'road': 'T.H. KATARIYA MARG', 'state': 'MAHARASHTRA', 'building': 'AZAD MAGAR CENTRAL RAILWAY |
| 15d ago | EzDocs | letter_home_read462 | {'fp': 'doc:4c3f76ba-03d4-4e92-b491-c1e577c49cd8', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'sanction letter (3).pdf', 'asked': True, 'found': Tru |
| 19d ago | EzDocs | index2_docno_read | {'why': "the title deed box takes the page's OWN number, as its header prints it — never a number it quotes for an earlier sale", 'file': 'index ii (2).pdf', 'doc_id': '83dd6490-0857-4e29-82bf-9d1ff97f9cd9', 'header_sro' |
| 26d ago | EzDocs | hidden_payment_scan | {'file': 'IMG-20260824-WA0026.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '21879f9a-db86-4d41-a4d2-155be88d1563', 'fetched': True} |
| 26d ago | EzDocs | payment_found_in_statement | {'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260824-WA0026 |
| 26d ago | EzDocs | screenshot_claim_recorded | {'utr': None, 'date': '2026-08-24', 'parts': 1, 'amount': 19120.0, 'claimed_total': 19120.0} |
| 26d ago | EzDocs | hidden_payment_scan | {'file': 'image003.jpg', 'kind': 'other', 'found': 0, 'doc_id': '9efe2c42-434f-4a07-a963-5f3e0ade02ac', 'fetched': True} |
| 30d 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': ['documents', 'fee_paid', 'challan', 'challan_ |
| 30d ago | EzDocs | title_doc_on_case_filing_open | {'was': 'BANK', 'why': "the regular check — the branch's title document is on the case — the filing is the NOI team's move", 'file': 'index ii (2).pdf', 'kind': 'index2'} |
| 30d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'box': 'District', 'why': "The typ |
| 31d ago | EzDocs | property_attrs_split | {'now': {'Number type': 'SURVEY', 'Second number type': '', 'Number': '399', 'Second number': ''}, 'was': {'Number type': '', 'Second number type': '', 'Number': '399/BI/1, 399/BI/2, 399/BI/3, 399/BI/4, 399/BI/5, 399', 'attr2_valu |
| 31d ago | EzDocs | property_attrs_split | {'now': {'Number type': '', 'Second number type': '', 'Number': '399/BI/1, 399/BI/2, 399/BI/3, 399/BI/4, 399/BI/5, 399', 'Second number': ''}, 'was': {'Number type': 'CTS', 'Second number type': '', 'Number': '399/बी/1, 399/बी/2, |
| 31d ago | EzDocs | property_attrs_split | {'now': {'Number type': 'CTS', 'Number': '399/बी/1, 399/बी/2, 399/बी/3, 399/बी/4, 399/बी/5, 399'}, 'was': {'Number type': 'SURVEY/CTS', 'Second number type': '', 'Number': '399/बी/1, 399/बी/2, 399/बी/3, 399/बी/4, 399/बी/ |
| 41d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 41d 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 (LAN: 49788047), the fo |
| 41d ago | EzDocs | stage_follows_desk_challan_mail | {'now': 'CHALLAN_PAID', 'why': 'we sent the challan on this thread and no branch mail came after it to trigger the usual re-read'} |
| 41d ago | EzDocs | challan_inferred_from_desk_mail | {'why': "we's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread; the stage follows we's deed"} |
| 43d ago | EzDocs | email_shadowed:doc_chase | {'to': 'vishal.kanojia@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: 49788047), the following is pending from your end:\n\n 1. Applicant's Aadhaar Card — not received yet\n\nAlready receiv |
| 43d ago | EzDocs | fee_quote_suppressed | {'why': 'the branch sent its payment proof with the documents — nothing to ask for', 'claimed': 1.0} |
| 43d ago | EzDocs | receivable_created | {'expected': 19140.0} |
| 43d ago | EzDocs | document_received | {'file': 'image003.jpg', 'doc_type': 'other', 'confidence': 1.0} |
| 43d ago | EzDocs | claim_held_until_quote | {'utr': None, 'why': 'payment proof arrived before the case was quoted; held on the case and applied the moment the receivable exists', 'date': '2026-08-24', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19120.0, ' |
| 43d ago | EzDocs | document_received | {'file': 'IMG-20260824-WA0026.jpg', 'doc_type': 'payment_screenshot', 'confidence': 1.0} |
| 43d ago | EzDocs | payer_mobile_captured | {'last4': '7748', 'source': 'sanction_letter'} |
| 43d ago | EzDocs | property_address_extracted | {'confidence': 1, 'Address': 'Flat No A/407, 4th Floor, Divyal Heights chsl, Near SBS School, Virar Nallasopara Link Road, Nallasopara West, Thane, MAHARASHTRA, 401203'} |
| 43d ago | EzDocs | document_received | {'file': 'sanction letter (3).pdf', 'doc_type': 'sanction_letter', 'confidence': 1.0} |
Case diary the case’s history — what happened, newest day first
Papers
1 still needed for the challan
Applicant's Aadhaar Card
Money
₹19,120 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
Us
file on the IGR site
For you to check: The work is done — our fee of ₹19,140 is still not in our account. Chase the branch for it.
Yesterday · 14 Oct1 thing
The challan's address boxes were written from the papers
13 Oct2 things — 2 steps
EzDocs checked the e-filing boxes against the papers
EzDocs took 3 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
19 Sep2 things — 2 steps
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
The branch's payment screenshot was read
15 Sep1 thing — 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
14 Sep1 thing — 1 step
The branch's title document is on the case — the filing is the NOI team's move
3 Sep2 things — 2 steps
An old draft withdrew itself — its asks were already answered
Moved to 'challan paid' on the NOI team's own mail
The NOI team's own mail said the challan went — the case followed.
1 Sep15 things — 7 documents received · 2 letters written · 6 steps
Wrote the document chase mail — held, silent mode
Re[2]: Request for NOI, 0.3 % & 0.5%NOI and MOI charges Loan No NHL/GHKP0726/5181946 Vinod Hajarilal Vaishya
No fee quote sent — the branch's own figures were right
Received: other
image003.jpg
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
IMG-20260824-WA0026.jpg
Property address read from the sanction letter
Received: Sanction letter
sanction letter (3).pdf
Property read from the Index II
Index II (title document) received from the branch
Received: Index II
index ii (2).pdf
Co-applicant added
Received: PAN card
IMG-20260729-WA0068.jpg
Received: PAN card
IMG-20260729-WA0059 (1).jpg
Received: Selfie
1001676659.jpg
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
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