⚠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.
Sandeep Desai
LAN HOU/THA/0826/5203219Loan ₹73,13,000NOIMails & papers 16 3 new 2 drafts to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
29 Sep, 23:10
Documents
took 7d 22h
Payment
took 9m
Challan
done 8 Oct, 16:45 · GRAS ↗
Filing
took 1d 20h · IGR e-filing ↗
E-filing copy
done 10 Oct, 13:05
Index II
took 3d 1h
doneIndex II shared · the trail says: The branch has provided the loan documents and payment proof. The team has acknowledged receipt and promised to initiate the challan, but is now asking for…whole case so far 13d 22h
Needs your eyes4
Wrong PAN on the payer — our case details says Sandeep's PAN is AAIPR5871N; Index II of purchase says Sandeep's PAN is AEKPD9810R.. See the papers →
₹38,740 is counted on NOI-2026-03009, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
The work is done — our fee of ₹38,770.33 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.
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
Today · 13 Oct3 things
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9990910260725.pdf
Yesterday · 12 Oct25 things — 25 steps
file note490
mail against file490 — by ezdocs:reader
half read mail reread
file note490
mail against file490 — by ezdocs:reader
half read mail reread
file note490
mail against file490 — by ezdocs:reader
half read mail reread
file note490
mail against file490 — by ezdocs:reader
half read mail reread
file note490
mail against file490 — by ezdocs:reader
half read mail reread
desk documents backfill
file note490
mail against file490 — by ezdocs:reader
file note490
mail against file490 — by ezdocs:reader
file note490
mail against file490 — by ezdocs:reader
half read mail reread
file note490
mail against file490 — by ezdocs:reader
10 Oct8 things — 1 document received · 1 letter written · 6 steps
dhc prn read
efiling copy read
desk documents backfill
dhc prn looked
dhc prn read
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9990910260725.pdf
8 Oct60 things — 7 documents received · 2 letters written · 1 caution · 50 steps
file note490
mail against file490 — by ezdocs:reader
documents read together
claim part duplicate
Received: Payment screenshot
NOI PAYMENT SANDEEP.pdf
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
SANDEEP JAGANNATH DESAI EchallanMH011638056202627E.pdf
copilot edit — by copilot:DARBAR
copilot edit — by copilot:DARBAR
copilot check ok — by copilot
form checked489
copilot pick — by copilot
whole file hold — by copilot
city box is district — by copilot
challan boxes composed
reader mail addition — by ezdocs:reader
index2 docno read
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
The home address was read off the papers — by ezdocs:reader
file note490
address compared
documents read together
property self check
property from index2
index2 people checked
index2 extra purchaser
property english extracted
index2 people checked
index2 extra purchaser
Index II (title document) received from the branch
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-02915
claim inside desk buffer
acknowledged with advice
An old draft withdrew itself — its asks were already answered
Received: Index II
INDEX 2.pdf
money settled — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
kyc address read
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: Sanction letter
DocScanner 08-Oct-2026 04-25 PM.pdf
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: Aadhaar
APPLIACANT ADHAAR CARD.pdf
Received: PAN card
APPLICANT PAN CARD.pdf
Received: Selfie — not usable
APP PIC.jpg — this is a photograph of a passport-size print, not a live selfie
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
5 Oct1 thing — 1 step
Nothing new to ask for — stayed quiet
2 Oct3 things — 1 letter written · 2 steps
Nothing new to ask for — stayed quiet
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-02915 — pending documents
An old draft withdrew itself — its asks were already answered
30 Sep280 things — 280 steps
A credit moved AWAY — it had verified this case on the amount alone; another case's screenshot names it
match undone
This payment is counted on another case too — a person must say whose it is
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
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stuck after payment healed
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stuck after payment healed
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Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
stuck after payment healed
Nothing new to ask for — stayed quiet
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
EzDocs read the whole trail as one conversation — where the case stands is on the page
29 Sep57 things — 5 documents received · 3 letters written · 49 steps
Nothing new to ask for — stayed quiet
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
claim part duplicate
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
address compared
documents read together
claim part duplicate
Received: other
image001.png
Received: Payment screenshot
NOI PAYMENT SANDEEP.pdf
extra challan scanned
Nothing new to ask for — stayed quiet
A file was read again from the start — everything inside it now counts
paper read beside case
A file was read again from the start — everything inside it now counts
A file was read again from the start — everything inside it now counts
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
branch questions drafted
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
SANDEEP DESAI - HOU/THA/0826/5203219
case read — by ezdocs:reader
pan by reading443
Nothing new to ask for — stayed quiet
boxes gathered
address compared
challan boxes composed
Nothing new to ask for — stayed quiet
No fee quote sent — the branch's own figures were right
property self check
Wrote the document chase mail — held, silent mode
SANDEEP DESAI - HOU/THA/0826/5203219
boxes gathered
address compared
challan boxes by rules
The payment proof already on the case was applied
property from index2
index2 people checked
index2 extra purchaser
index2 pan differs
property attrs split
property self check
money settled — by ezdocs:reader
property from index2
index2 people checked
index2 extra purchaser
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
roles from letter
Received: Sanction letter
KYC (3).zip/SANCTION LETTER.pdf
card mobile not taken
kyc address read
Received: Aadhaar
KYC (3).zip/KYC.pdf
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
KYC (3).zip/payment.pdf
quoted history checked
A zip / Word / Excel file was opened — every picture and PDF inside is read as a document of its own
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.
What the e-filing still needs2 still to come
9 of 11 in hand · the challan is done — these are for the filing / KYC
✓Aadhaar cardopen
✓Sanction letteropen
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a passport-size print, not a live selfie)open
✓PAN cardopen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Applicant's Selfie / Photo — for the e-filing visit later
Mails & papers →every paper, beside its mail · 14 files
The file, as the engine remembers it6 open
This case has a major stop disagreement where the internal record has assigned the seller's PAN (AAIPR5871N) to the borrower Sandeep Desai instead of his actual PAN (AEKPD9810R) printed in the Index II. Additionally, the MOTD is missing, meaning the date of mortgage is unknown. A generic business pa
○the photo — the branch
✗the photo could not be read (APP PIC.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
○property — number kind (survey / CTS / plot …) — the branch
○property — the property's number — the branch
○this desk's fee (Rs 38770) — the branch
✗the papers disagree on Wrong PAN on the payer (our case details: Sandeep's PAN is AAIPR5871N; the Index II of purchase: Sandeep's PAN is AEKPD9810R) — a person — Change the payer's PAN to AEKPD9810R before paying the challan.
?unsure of date_of_mortgage — No MOTD is on the file to state the date of mortgage.
the branch's last mail (2026-10-12): The branch is asking for the challan for the case of Sandeep Desai.
read once, kept; every new mail and paper is read against this note · kept 2026-10-12T09:31 UTC
Moneywaiting for the credit
₹38,770.33
Nothing has reached our account yet — only a credit our bank shows us counts.
Screenshot ₹38,739 — ₹31 under our ask, not below the real calculation ₹38,739. Counts as full. Nothing to ask.
Screenshot ₹38,739 — verified by itself the moment the bank credit is heard.
Screenshot ₹38,739 — verified by itself the moment the bank credit is heard.
why?
The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our round-ups are the buffer. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
Paid by GPay at 2026-09-29 — verified when Google's NEFT lands in the PNB account (within hours).
The working
Stamp duty 0.3%21,950
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for38,770.33
By law ₹38,759. We ask ₹38,770 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Propertyby the engine, from the Index II
181, 2nd, V Adarsh Nagar Co Op Hou So Li, Mahim, 400030
read from the Index II · e-filing boxes 33 of 34 ready
Check the property →the boxes beside the paper
People
Sandeep Jagannath Desai · applicantAEKPD9810R
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