Cases / NOI-2026-00530
Laxman Sukhnandan Yadav
LAN NHL/NSK/0826/5203930
Challan paid · waiting on the branch
Waiting for the Index IIAll documentsMails & papers 3Mail 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 needs5 still to come
2 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
✓Sanction letteropen
✓Selfie / photoopen
Applicant's Aadhaar Card — still needed
Applicant's PAN Card — still needed
Payment Screenshot with UTR — still needed
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Index II copy / Title document — for the e-filing visit later
All files (11)A label is wrong? Fix it under All documents.
For you to check
- Bank under-collected — money at risk — see Facts.
- The work is done — our fee of ₹5,150 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹5,150
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 of ₹5,150 — we only count a credit our bank shows us.
Stamp duty 0.3%1,250
Registration fee 0.5%2,080
Government handling320
Our service fee1,500
Total we ask for5,150
By law ₹5,140. We ask ₹5,150 (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.
Bank's table ₹1,345 — ₹3,805 under our ask: the branch's working is short (see Facts).
BANK UNDER-COLLECTED — money at risk
Bank table ₹1,345. Case needs ₹5,150. SHORT by ₹3,805. Do NOT accept ₹1,345 — ask the branch for ₹5,150.
why?
The branch's mail adds up wrong: its own fee rows come to Rs.2,790, but the TOTAL line says Rs.1,345 — Rs.1,445 less than its own rows. Collect Rs.5,140. Do NOT accept Rs.1,345: the government challan alone is more than that, so the case would stall at the counter and the shortfall would be ours to fund.
the branch's own words
The branch's mail said: filing fee (0.50%): bank says Rs.100, computed Rs.2,075 (difference Rs.-1,975); total payable: bank says Rs.1,345, computed Rs.5,140 (difference Rs.-3,795); service fee + DHC: bank says Rs.1,445, computed Rs.1,820 (difference Rs.-375); the bank's own rows sum to Rs.2,790 but its total says Rs.1,345See the full workingevery row, and the property
Time takennot shown to the bank
Challan 29 h 35 minour time · 3 Sep 17:05
Index II —not yet
the NOI team 45 dtotal 45 d so far
Now with the NOI team — e-filing on IGR
since 3 Sep 17:05 — 42 d 1 h of working time
Day by day — every step and who held it
31 Aug 17:30Your branch's mail
31 Aug 17:36Fee quoted+6 min · the NOI team
31 Aug 17:36Papers readat once
31 Aug 17:36Property readat once
31 Aug 17:37Papers readat once
3 Sep 17:05Challan made+2 d 23 h · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹4,15,000
Loan account no.
NHL/NSK/0826/5203930
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
The branch’s working is the 0.3% challan alone — its words name the 0.5 too
Its own working: 0.3% ₹1,245 + fees ₹100 = total ₹1,345, with no 0.5% row. But the mail’s words say “DEAR TEAM, KINDLY PROCESS 0.3 & 0.5 CHALLAN IN BELOW CASE. CUSTOMER NAME LAXMAN SUKHNANDAN YADA”. Open the mail in Gmail and read it as it is shown: when the branch took “& 0.5” out of its template, the copy the app kept may still carry it. This case is marked a full NOI, so it asks for both heads, the handling charge and our fee. As a full NOI this case asks ₹5,150; as the 0.3% challan alone it asks ₹1,345 — the stamp duty ₹1,245 and ₹100.
The team’s rule (Avinash): a 0.3% stand-alone challan is one of the extra challans we make — the stamp duty and ₹100, nothing filed on the IGR site. The kind decides what goes on the government’s challan, so a person sets it.
Next step
Wait for the branch's Index II, then file the NOI
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.
The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. EzDocs asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.
Before opening the portal, EzDocs sees:
• Mortgagor pages: HEWANTI DEVI is named on the sanction letter (Sanction letter - Yadav.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card
• 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)
• LAXMAN SUKHNANDAN YADAV: PAN missing — no PAN card of LAXMAN SUKHNANDAN YADAV is on the file — type the PAN off the person's own card, or ask the branch for it
• LAXMAN SUKHNANDAN YADAV: birth date missing — no PAN card of LAXMAN SUKHNANDAN YADAV is on the file — type the birth date off the person's own card, or ask the branch for it
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.
Where this case stands — the whole trailread by EzDocs as one conversation
The bank branch has provided all necessary documents and confirmed payment for the challan. The NOI team has successfully generated and shared the challan. The team is now responsible for filing the NOI on the IGR site.
the history says the next move is with the NOI team — to file the NOI
the branch last asked: Kindly process 0.3 & 0.5 Challan in below case.
the history says the branch sent the Index II / sale deed, but no such paper is on the case — the attachment may not have been stored or read; open that mail and upload it under All documents
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 (2026-08-31) “We acknowledge the receipt of your mail documents and payment.”
✓ fee paid — the branch's words — done, mail 2 (2026-08-31) “We acknowledge the receipt of your mail documents and payment.”
✓ challan made — done, mail 3 (2026-08-31) “PFA CHALLAN FOR A REFERENCE”
✓ challan shared — done, mail 3 (2026-08-31) “PFA CHALLAN FOR A REFERENCE”
✓ Index II / sale deed sent by the branch — done, mail 1 (2026-08-31) “Index II Copy OTC.”
read over 3 mail(s), last mail 2026-08-31 · read 29d 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
PA
piyush.aher@phfl.com phfl.com
31 Aug, 17:30 · 45d ago THE APP JOINED HERE — earlier mails are on Gmail
31 Aug, 17:30 · 45d ago THE APP JOINED HERE — earlier mails are on Gmail
Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0826/5203930 Applicant Name : LAXMAN SUKHNANDAN YADAV
📎 Sanction letter - Yadav.pdf↗📎 PHOTO-2026-08-31-17-16-19.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 PHOTO-2026-08-20-16-44-09.jpg↗📎 image002.jpg↗📎 image001.jpg↗
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case.
Customer nameLAXMAN SUKHNANDAN YADAV
Loan account (LAN)NHL/NSK/0826/5203930
Loan amount₹4,15,000
Stamp duty 0.30%₹1,245
Service / vendor fees₹100
Total₹1,345
- ✓ Sanction Letter — attached
- ✓ Customer Aadhar Card / co applicant — attached
- ✓ Customer pan Card / co applicant — attached
- ✓ Form A2 or Soft copy of photograph — attached
- ✓ Payment details — attached
0.50%0
DHC0
*Index II CopyOTC.
Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
earlier mails quoted below
From: dilip.patil (dilip.patil@phfl.com)
Date: 31-08-2026 05:17 pm
To: piyush.aher@phfl.com
Subject: Laxman Yadav noi
Sent from OfficeMail
🤖 read: asks for the challan; says the fee is paid ₹1,345 ✓; documents attached; note: Process 0.3 & 0.5 Challan. — “Kindly process 0.3 & 0.5 Challan in below case.”
OL
The NOI teamTYPED IN GMAIL
31 Aug, 19:07 · 44d ago
31 Aug, 19:07 · 44d ago
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 Mon, 31 Aug 2026 at 17:35, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name LAXMAN SUKHNANDAN YADAV Lan No NHL/NSK/0826/5203930 Loan Amount 415000 LOAN AMOUNT 415000 0.30% 1245 0.50% 0 FEES 100 DHC 0 TOTAL 1,345 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC. *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: dilip.patil (dilip.patil@phfl.com) Date: 31-08-2026 05:17 pm To: piyush.aher@phfl.com Subject: Laxman Yadav noi Sent from OfficeMail
🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
31 Aug, 20:32 · 44d ago
31 Aug, 20:32 · 44d ago
TEAMPFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Mon, 31 Aug 2026 at 19:07, 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. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Mon, 31 Aug 2026 at 17:35, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name LAXMAN SUKHNANDAN YADAV Lan No NHL/NSK/0826/5203930 Loan Amount 415000 LOAN AMOUNT 415000 0.30% 1245 0.50% 0 FEES 100 DHC 0 TOTAL 1,345 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC. *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: dilip.patil (dilip.patil@phfl.com) Date: 31-08-2026 05:17 pm To: piyush.aher@phfl.com Subject: Laxman Yadav noi Sent from OfficeMail
TEAM
PFA CHALLAN FOR A REFERENCE
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Mon, 31 Aug 2026 at 19:07, 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.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Mon, 31 Aug 2026 at 17:35, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> LAXMAN SUKHNANDAN YADAV
>
> Lan No
> NHL/NSK/0826/5203930
>
> Loan Amount 415000
>
>
> LOAN AMOUNT 415000
> 0.30% 1245
> 0.50% 0
> FEES 100
> DHC 0
> TOTAL 1,345
>
>
> *Sanction Letter attached
> *Customer Aadhar Card / co applicant attached
> *Customer pan Card / co applicant attached
> *Index II Copy OTC.
> *Form A2 or Soft copy of photograph attached
> *Payment details attached
>
>
> SRO No
>
> Thanks & Regards,
>
> *Piyush S Aher*
>
> Branch Operation Executive
>
> Nashik Branch
>
> Direct: +91-253-2311672 <+91%20253%20231%201672>
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: dilip.patil (dilip.patil@phfl.com)
> Date: 31-08-2026 05:17 pm
> To: piyush.aher@phfl.com
> Subject: Laxman Yadav noi
>
>
>
> Sent from OfficeMail <http://www.officemail.app/>
>
🤖 read: challan shared ✓ — “PFA CHALLAN FOR A REFERENCE”
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 |
|---|---|---|---|
| Sanction letter | Sanction letter - Yadav.pdf | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-31-17-16-19.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Selfie / photo | PHOTO-2026-08-20-16-44-09.jpg | filed | 45d ago |
| Other | image002.jpg | filed | 45d ago |
| Other | image001.jpg | filed | 45d 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
₹5,150
₹5,150
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
—
—
Paid at
—
—
Verified on
not yet
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹1,250 | ₹2,080 | ₹320 | ₹1,500 | ₹5,150 |
By law ₹5,140. We ask ₹5,150 (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)
17 of 34 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 — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: District, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Building (with wing), Floor …
✗ EzDocs found boxes that do NOT agree with the document (30d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
Sanction letter - Yadav.pdf
as printed
FLAT NO 22, 4TH FLOOR, SUNSHINE APARTMENT, PLOT NO 15/16, S NO 123/A/2, CTS NO 4146 AND 4145, SHIVAJI NAGAR, GANAGPUR, NASHIK, GANGAPUR ROAD, ., MAHARASHTRA, INDIA, 422012
FLAT NO 22, 4TH FLOOR, SUNSHINE APARTMENT, PLOT NO 15/16, S NO 123/A/2, CTS NO 4146 AND 4145, SHIVAJI NAGAR, GANAGPUR, NASHIK, GANGAPUR ROAD, ., MAHARASHTRA, INDIA, 422012
PIN
422012
422012
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO 22 4TH FLOOR SUNSHINE APARTMENT PLOT NO 15/16 SURVEY NO 123/A/2 CTS NO 4146 AND 4145
FLAT NO 22 4TH FLOOR SUNSHINE APARTMENT PLOT NO 15/16 SURVEY NO 123/A/2 CTS NO 4146 AND 4145
Locality/Road
SHIVAJI NAGAR GANAGPUR GANGAPUR ROAD
SHIVAJI NAGAR GANAGPUR GANGAPUR ROAD
Area/City
NASHIK
check or correct a box, the papers beside it →NASHIK
Every paper prints the same words as the main paper.
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 | LAXMAN SUKHNANDAN YADAV |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| fee quote | piyush.aher@phfl.com | 45d ago |
| document chase | piyush.aher@phfl.com | 45d ago |
| document chase | piyush.aher@phfl.com | 42d ago |
What EzDocs read from each document — check anything marked in red
Sanction letter Sanction letter - Yadav.pdf needs your check
lan
NHL/NSK/0826/5203930
NHL/NSK/0826/5203930
legible
True
True
loan type
Non Housing Loan, Personal use
Non Housing Loan, Personal use
confidence
1
1
loan amount
400000
400000
interest rate
9.5
9.5
sanction date
24-Aug-2026
24-Aug-2026
letter version
4
4
applicant names
LAXMAN SUKHNANDAN YADAV, HEWANTI DEVI
LAXMAN SUKHNANDAN YADAV, HEWANTI DEVI
applicant mobile
9175061815
9175061815
property address
pin: 422012; road: Shivaji Nagar, Ganagpur, Gangapur Road; state: MAHARASHTRA; Flat no: Flat No 22; district: Nashik; Floor: 4th Floor; Address: Flat No 22, 4th Floor, Sunshine Apartment, Plot No 15/16, S No 123/
pin: 422012; road: Shivaji Nagar, Ganagpur, Gangapur Road; state: MAHARASHTRA; Flat no: Flat No 22; district: Nashik; Floor: 4th Floor; Address: Flat No 22, 4th Floor, Sunshine Apartment, Plot No 15/16, S No 123/
insurance premium
15000
15000
includes insurance
True
True
total with insurance
415000
415000
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 22, 4th Floor, Sunshine Apartment, Plot No 15/16, S No 123/A/2, CTS No 4146 and 4145, Shivaji Nagar, Ganagpur, Nashik, Gangapur Road, ., MAHARASHTRA, India, 422012
Flat No 22, 4th Floor, Sunshine Apartment, Plot No 15/16, S No 123/A/2, CTS No 4146 and 4145, Shivaji Nagar, Ganagpur, Nashik, Gangapur Road, ., MAHARASHTRA, India, 422012
applicant address verbatim
FLAT NO 22 SUNSHINE RESIDENCY, SHIVAJI NAGAR NEAR VITTHAL MANDIR, SATPUR NASHIK, ., Nashik, MAHARASHTRA, 422012, India
FLAT NO 22 SUNSHINE RESIDENCY, SHIVAJI NAGAR NEAR VITTHAL MANDIR, SATPUR NASHIK, ., Nashik, MAHARASHTRA, 422012, India
raw reading (for Abhijit)
{'lan': 'NHL/NSK/0826/5203930', 'legible': True, 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1, 'loan_amount': 400000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '24-Aug-2026', 'letter_version': '4', 'applicant_names': ['LAXMAN SUKHNANDAN YADAV', 'HEWANTI DEVI'], 'applicant_mobile': '9175061815', 'property_address': {'pin': '422012', 'road': 'Shivaji Nagar, Ganagpur, Gangapur Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'Flat No 22', 'district': 'Nashik', 'floor_no': '4th Floor', 'landmark': None, 'full_address': 'Flat No 22, 4th Floor, Sunshine Apartment, Plot No 15/16, S No 123/A/2, CTS No 4146 and 4145, Shivaji Nagar, Ganagpur, Nashik, Gangapur Road, MAHARASHTRA, India, 422012', 'village_city': 'Nashik', 'building_name': 'Sunshine Apartment', 'survey_or_cts_no': 'Plot No 15/16, S No 123/A/2, CTS No 4146 and 4145'}, 'insurance_premium': 15000, 'includes_insurance': True, 'total_with_insurance': 415000, 'applicant_address_from462': "read again off the letter's pages (page 1, Address row)", 'security_address_verbatim': 'Flat No 22, 4th Floor, Sunshine Apartment, Plot No 15/16, S No 123/A/2, CTS No 4146 and 4145, Shivaji Nagar, Ganagpur, Nashik, Gangapur Road, ., MAHARASHTRA, India, 422012', 'applicant_address_verbatim': 'FLAT NO 22 SUNSHINE RESIDENCY, SHIVAJI NAGAR NEAR VITTHAL MANDIR, SATPUR NASHIK, ., Nashik, MAHARASHTRA, 422012, India'}Other image001.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Other image002.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Technical record (for Abhijit — safe to ignore)
| 1h ago | EzDocs | challan_boxes_composed | {'fp': '2ad218fb4c9e0314', '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 22 4TH FLOOR SUNSHINE AP |
| 7h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 31 Aug, 19:07 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']} |
| 1d ago | EzDocs | reader_efiling_verdict | {'fp': '2e27104f124c4c3d', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is required but is empty.', |
| 1d ago | EzDocs | reader_mail_addition | {'fp': '0bf635e775bfccba', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True} |
| 1d ago | EzDocs | reader_home_address | {'fp': '1380cbae59744568', 'from': 'the sanction letter (Sanction letter - Yadav.pdf)', 'home': {'pin': '422012', 'area': 'SHIVAJI NAGAR NEAR VITTHAL MANDIR, SATPUR', 'flat': 'FLAT NO 22', 'state': 'MAHARASHTRA', 'buildi |
| 15d ago | EzDocs | letter_home_read462 | {'fp': 'doc:1bc57ec2-cf39-4093-af96-f8f6530fec99', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'Sanction letter - Yadav.pdf', 'asked': True, 'found': |
| 19d ago | EzDocs | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 24d ago | EzDocs | hidden_payment_scan | {'file': 'image002.jpg', 'kind': None, 'found': 0, 'doc_id': '93cec8c7-f67c-4d44-8685-3709a3f31bc6', 'fetched': True} |
| 24d ago | EzDocs | hidden_payment_scan | {'file': 'image001.jpg', 'kind': 'other', 'found': 0, 'doc_id': 'a7cbd89d-bd9c-44e0-97fd-fce09f7ed838', 'fetched': True} |
| 29d 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 | 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': 'Road', 'why': "The typed r |
| 31d ago | EzDocs | property_attrs_split | {'now': {'Number type': 'PLOT', 'Second number type': 'SURVEY', 'Number': '15/16', 'Second number': '123/A/2'}, 'was': {'Number type': 'SURVEY/CTS', 'Second number type': '', 'Number': 'Plot No 15/16, S No 123/A/2, CTS No 4146 and |
| 42d 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: NHL/NSK/0826/5203 |
| 42d 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'} |
| 42d 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"} |
| 42d ago | EzDocs | email_shadowed:doc_chase | {'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NSK/0826/5203930), the following is pending from your end:\n\n 1. Applicant's Aadhaar Card — not received yet\n 2. Ap |
| 42d ago | EzDocs | draft_withdrawn | {'why': 'a fresher chase replaces it — the asks changed', 'count': 1} |
| 45d ago | EzDocs | email_shadowed:doc_chase | {'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NSK/0826/5203930), the following is pending from your end:\n\n 1. Applicant's Aadhaar Card — not received yet\n 2. Ap |
| 45d ago | EzDocs | email_shadowed:fee_quote | {'to': 'piyush.aher@phfl.com', 'body': 'Dear Team,\n\nPlease check the calculation and account details for the captioned case (LAN: NHL/NSK/0826/5203930).\n\n NOI Charges & Service Fees Calculator\n Loan Amount |
| 45d ago | EzDocs | receivable_created | {'expected': 5150.0} |
| 45d ago | EzDocs | fee_mismatch_with_bank | {'differences': ['filing fee (0.50%): bank says Rs.100, computed Rs.2,075 (difference Rs.-1,975)', 'total payable: bank says Rs.1,345, computed Rs.5,140 (difference Rs.-3,795)', 'service fee + DHC: bank says Rs.1,445, co |
| 45d ago | EzDocs | document_received | {'file': 'image001.jpg', 'doc_type': 'other', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'image002.jpg', 'doc_type': 'other', 'confidence': 1.0} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 45d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-20-16-44-09.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
Case diary the case’s history — what happened, newest day first
Papers
3 still needed for the challan
Applicant's Aadhaar Card, Applicant's PAN Card, Payment Screenshot with UTR
Money
₹5,150 to come
No screenshot and no credit yet.
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: Bank under-collected — money at risk — see Facts. The work is done — our fee of ₹5,150 is still not in our account. Chase the branch for it.
Today · 15 Oct2 things
The challan's address boxes were written from the papers
An old draft withdrew itself — its asks were already answered
Yesterday · 14 Oct2 things — 2 steps
EzDocs checked the e-filing boxes against the papers
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
26 Sep1 thing — 1 step
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
15 Sep1 thing — 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
3 Sep4 things — 1 letter written · 3 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.
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-00530 — pending documents
An old draft withdrew itself — its asks were already answered
31 Aug16 things — 11 documents received · 3 letters written · 1 caution · 1 step
Wrote the document chase mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0826/5203930 Applicant Name : LAXMAN SUKHNANDAN YADAV
Wrote the fee quote mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No : NHL/NSK/0826/5203930 Applicant Name : LAXMAN SUKHNANDAN YADAV
The branch's own fee working disagrees with the law
Received: other
image001.jpg
Received: other
image002.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-20-16-44-09.jpg
Received: Selfie
PHOTO-2026-08-31-17-16-19.jpg
Property address read from the sanction letter
Received: Sanction letter
Sanction letter - Yadav.pdf
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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