⚠The PNB mailbox has used 222% of what Google lets it send in 24 hours (1,112 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
Vaibhav Vijay Sapkal
LAN HOU/PNVL/0826/5208786Loan ₹22,05,0000.3% only / top-upMails & papers 5 1 draft 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
9 Oct, 10:36
Documents
Payment
done 9 Oct, 10:41
Challan
took 1h 08m · GRAS ↗
Filing
took 1d · IGR e-filing ↗
E-filing copy
done 10 Oct, 12:00
Index II
took 3d 3h
doneIndex II sharedwhole case so far 5d 8h
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
Yesterday · 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
IndexII9991010260054.pdf
10 Oct26 things — 1 document received · 1 letter written · 24 steps
dhc prn read
efiling copy read
A file was read again from the start — everything inside it now counts
paper read beside case
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
eFilingDoc9991010260054.pdf
copilot check ok — by copilot
form checked489
reading error456
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot pick — by copilot
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
efiling token from portal — by copilot
9 Oct75 things — 6 documents received · 5 letters written · 1 money step · 2 cautions · 61 steps
Judged again with today's rules, the challan still does not match the case — a person opens it
Checked: this challan is not another case's
only03 nothing to file
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
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
Received: Challan
VAIBHAV VIJAY SAPKAL EchallanMH011672518202627E.pdf
A file was read again from the start — everything inside it now counts
reading error456
copilot edit — by copilot:SANDEEP
copilot check issues — by copilot
form checked489
challan boxes by rules
reader mail addition — by ezdocs:reader
quoted history checked
challan boxes gathered
boxes gathered
address compared
challan boxes by rules
property self check
property from index2
index2 people checked
index2 pan differs
property numbers completed
extra challan scanned
The home address was read off the papers — by ezdocs:reader
file note490
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
Kindly Initiate 0.3% Challan & NOI in case VAIBHAV VIJAY SAPKAL -- HOU/PNVL/0826/5208786
An old draft withdrew itself — its asks were already answered
An old draft withdrew itself — its asks were already answered
boxes gathered
address compared
challan boxes by rules
property self check
property from index2
index2 people checked
property numbers completed
documents read together
property self check
property from index2
index2 people checked
property english extracted
roles from letter
Co-applicant added
card mobile not taken
kyc address read
money settled — by ezdocs:reader
index2 people checked
index2 extra purchaser
index2 pan differs
Index II (title document) received from the branch
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
roles from letter
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
screenshot claim recorded
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: PAN card
KYC.pdf
Received: Index II
index ii.pdf
Received: Sanction letter
Sanction letter.pdf
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03324
Received: Payment screenshot
IMG-20261009-WA0002.jpg
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03324
Received: Selfie
IMG-20261009-WA0001.jpg
case type guessed from mail
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 needs1 still to come
10 of 11 in hand · the challan is done — these are for the filing / KYC
✓Selfie / photoopen
✓Sanction letteropen
✓PAN cardopen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
Applicant's Aadhaar Card — still needed
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 8 files
The file, as the engine remembers it2 open
The file contains a valid sanction letter, KYC documents for both applicants, and a registered Index II. The loan amount including insurance is Rs. 22,05,000. Property details match between the sanction letter and Index II. The MOTD is missing to confirm the date of mortgage.
○Supriya Sanjay Mene — e-mail — the branch
○property — road / locality — the branch
?unsure of date_of_mortgage — No Memorandum of Deposit of Title Deeds (MOTD) is attached to the file to confirm the exact date of mortgage.
the branch's last mail (2026-10-09): The branch requests the team to initiate the challan and NOI for a loan case.
read once, kept; every new mail and paper is read against this note · kept 2026-10-09T05:12 UTC
Moneyall of it is in
₹6,715.97
Reached our account 9 Oct 10:03:11.
How we know
Our own bank told us — 9 Oct 10:03
₹19,500 · UTR 628293896479 · from JD-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.19500.00 09-10-2026 10:03:11 by VAIBHAV thru UPI . Aval Bal Rs.100815.05 CR. (UPI Ref ID:628293896479) -PNB”
Matched by: the screenshot's amount AND its minute agree with this credit
The working
Stamp duty 0.3%6,615
Registration fee 0.5%0
Government handling0
Our service fee100
Total we ask for6,715.97
Propertyby the engine, from the Index II
102, 1st, Mahalaxmi Nagar (Marigold) Co. Op. Housing Society Ltd., A Wing, Building No. 05, SURVEY, 1/0, Nere, 410206
read from the Index II · e-filing boxes 45 of 46 ready
Check the property →the boxes beside the paper
People
VAIBHAV VIJAY SAPKAL · applicantFLXPS3448RSupriya Sanjay Mene · co-applicantEITPM9239L
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