⚠The PNB mailbox has used 133% of what Google lets it send in 24 hours (663 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-02158

VAIBHAV WASUDEORAO GADKARI

LAN HOU/NAG/0726/5179549 Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 4

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs1 still to come

8 of 9 in hand.
the challan is done — these are for the IGR filing / KYC

✓Payment screenshot — shows ₹22,800; money not verified yetopen

✓PAN cardopen

✓Selfie / photoopen

✓Sanction letteropen

✓Paid challan (GRAS)open

✓LSR (search report) — inside SKM_226i26092212210.pdfopen

✓MOTD — inside SKM_226i26092212160.pdfopen

✓Aadhaar card — inside SKM_226i26092212160.pdfopen

Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.

All files (6)A label is wrong? Fix it under All documents.

Needs your eyes

The work is done — our fee of ₹22,830.46 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹22,830.46CASE MARK

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

₹0 received — the branch’s receipt claims ₹22,800; we wait for the credit itself

Ask for the exact ₹22,830.46. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%7,880

Registration fee 0.5%13,130

Government handling320

Our service fee1,500.46

Total we ask for22,830.46

Screenshot ₹22,800 — ₹30 under our ask, not below the real calculation ₹22,800. Counts as full. Nothing to ask.
Screenshot ₹22,800 — 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.

This money went to our account on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 17:28 — 6 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹22,820. We ask ₹22,830 (rounded up to ₹10 — our rule).

why?

The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 42 minour time · 22 Sep 13:32

Index II —not yet

the NOI team 21 d 11 htotal 21 d 11 h so far

Now with the NOI team — e-filing on IGR

since 22 Sep 13:32 — 21 d 10 h of working time

Day by day — every step and who held it

22 Sep 12:50Your branch's mail

22 Sep 12:50Papers readat once

22 Sep 12:50Fee quotedat once

22 Sep 12:50Property readat once

22 Sep 13:32Challan made+42 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹26,25,000

Loan account no.

HOU/NAG/0726/5179549

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

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. The engine 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, the engine 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

• 19 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road

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.

✓ The papers agree — compared: the sanction letter, the legal report (TSR). No number of the property and no name differs.

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

The bank branch has sent some documents and paid the fee, and the NOI team has shared the challan. The NOI team is now waiting for the branch to send the registered sale deed copy (Index II) to proceed with the NOI filing.

the trail says the next move is with the branch — the Index II

the branch last asked: Please provide challan and NOI.

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 1 the sentence it relies on is not in that mail — not counted

✓ fee paid — the branch's words — done, mail 2 (2026-09-22) “We acknowledge the receipt of your mail documents and payment.”

⏳ challan made — promised, mail 2 (2026-09-22) “We will initiate the challan for the same.”

✓ challan shared — done, mail 3 (2026-09-22) “PFA challan for your reference.”

? Index II asked for — asked, mail 2 (2026-09-22) “For noi filing we need a register sale deed copy.”

read over 3 mail(s), last mail 2026-09-22 · read 21d ago · what EzDocs says informs the page; the step moves by the papers and the checked facts

Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail

1Pay the challan on GRAS, then upload it hereDONE

Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). The engine reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.

✗ EzDocs found boxes that do NOT agree with the document (21d 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
#1 principal	MH010614320202627E	—	pending

Open filing pack →

Fix something every change is recorded with your name

Where did you see the money? One tap is the same record, in your name:

Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.

Advanced — move the case by hand (ask Abhijit first)

Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.

The reply the engine wrote on this thread — yours to edit; nothing leaves until you press Send. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

Index II pending — NOI NOI-2026-02158 | HOU/NAG/0726/5179549

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NAG/0726/5179549) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 20 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

The conversation, word for word — attachments open on click. Mail thread, oldest first.

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

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

BB bharati.bhope@phfl.com phfl.com
22 Sep, 12:50 · 21d ago THE FIRST MAIL — how this case began

Request for challan and NOI - HOU/NAG/0726/5179549 VAIBHAV WASUDEORAO GADKARI

📎 Screenshot_2026-09-22-12-29-15-82_73523229 ↗📎 SKM_226i26092212210.pdf ↗📎 Screenshot_2026-09-22-12-28-23-45_73523229 ↗📎 Screenshot_2026-09-22-12-28-13-58_73523229 ↗📎 SKM_226i26092212160.pdf ↗

Dear Team,

Please provide challan and NOI.

Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website –  www.pnbhousing.com

earlier mails quoted below

From: gaurav indurkar ( gauravindurkar8@gmail.com )
Date: 09/22/26 12:31
To: Sujit China 1 ( sujit.china1@phfl.com ),  bharati.bhope@phfl.com
Subject:  Vaibhav Gadkari paid chalan copy

 Exercise  Secured by Check Point

🤖 read: asks for the challan, the e-filing copy; documents attached — “Please provide challan and NOI.”

OL The NOI teamTYPED IN GMAIL
22 Sep, 12:58 · 21d 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 register sale

deed copy.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Tue, 22 Sept 2026 at 12:48, Bharati Bhope <bharati.bhope@phfl.com> wrote:

Dear Team,

Please provide challan and NOI.

Thanks & Regards,

Bharati Sujit Bhope

Sr. Branch Operations Executive

PHFL Home Loans and Services Limited,

Apartment No. 2 B, Second Floor,

Achraj Towers, Rajnagar, Chhaoni,

Katol Road, Chhindwara Road, Rajnagar,

Sadar, Nagpur-440013.

Tel : 0712 – 2533460

Mobile No. : 78758 57917

Toll Free : 1800 120 8800

Website – www.pnbhousing.com

----- Forwarded Message -----
------------------------------
From: gaurav indurkar (gauravindurkar8@gmail.com)
Date: 09/22/26 12:31
To: Sujit China 1 (sujit.china1@phfl.com), bharati.bhope@phfl.com
Subject: Vaibhav Gadkari paid chalan copy

 Secured by Check Point

🤖 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
22 Sep, 13:34 · 21d ago

📎 VAIBHAV GADKARI EchallanMH010614320202627E ↗

Team,

PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 22 Sept 2026 at 12:58, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

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 register sale
deed copy.
*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Tue, 22 Sept 2026 at 12:48, Bharati Bhope <bharati.bhope@phfl.com>
wrote:

> Dear Team,
>
> Please provide challan and NOI.
>
> Thanks & Regards,
>
> Bharati Sujit Bhope
>
> Sr. Branch Operations Executive
>
> PHFL Home Loans and Services Limited,
>
> Apartment No. 2 B, Second Floor,
>
> Achraj Towers, Rajnagar, Chhaoni,
>
> Katol Road, Chhindwara Road, Rajnagar,
>
> Sadar, Nagpur-440013.
>
> Tel : 0712 – 2533460
>
> Mobile No. : 78758 57917
>
> Toll Free : 1800 120 8800
>
> Website – www.pnbhousing.com
>
> ----- Forwarded Message -----
> ------------------------------
> From: gaurav indurkar (gauravindurkar8@gmail.com)
> Date: 09/22/26 12:31
> To: Sujit China 1 (sujit.china1@phfl.com), bharati.bhope@phfl.com
> Subject: Vaibhav Gadkari paid chalan copy
>
>  > Secured by Check Point
>
>

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

BB bharati.bhope@phfl.com phfl.com
05 Oct, 15:48 · 8d ago

Fw: Re: Request for challan and NOI - HOU/NAG/0726/5179549 VAIBHAV WASUDEORAO GADKARI

Dear Team,

Please find attached RR and sale deed; kindly provide NOI.

Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website –  www.pnbhousing.com

earlier mails quoted below

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/22/26 13:36
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Sujit China 1 ( sujit.china1@phfl.com ), Gaurav Tejraj Indurkar ( gaurav.indurkar@phfl.com ), Sunil Mishra ( sunil.mishra@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Bhumeshwar Satpute ( bhumeshwar.satpute@pnbhousing.com ), Pravin Waghmare ( pravin.waghmare@pnbhousing.com ), Sharda Gore ( sharda.gore@pnbhousing.com )
Subject:  Re: Request for challan and NOI - HOU/NAG/0726/5179549 VAIBHAV WASUDEORAO GADKARI

 Exercise  Secured by Check Point

Team,
PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Tue, 22 Sept 2026 at 12:58, 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 register sale deed copy.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 22 Sept 2026 at 12:48, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,

Please provide challan and NOI.

Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website –  www.pnbhousing.com

From: gaurav indurkar ( gauravindurkar8@gmail.com )
Date: 09/22/26 12:31
To: Sujit China 1 ( sujit.china1@phfl.com ),  bharati.bhope@phfl.com
Subject:  Vaibhav Gadkari paid chalan copy

 Exercise  Secured by Check Point

🤖 read: asks for the e-filing copy; documents attached — “kindly provide NOI.”

Every file the branch sent, and what the engine read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.

Document	File — click to open	Status	When
Payment screenshot	Screenshot_2026-09-22-12-29-15-82_7352322957d4404136654ef4adb64504.jpg	filed	21d ago
PAN card+ LSR (search report) inside	SKM_226i26092212210.pdf	filed	21d ago
Selfie / photo	Screenshot_2026-09-22-12-28-23-45_7352322957d4404136654ef4adb64504.jpg	filed	21d ago
Selfie / photo	Screenshot_2026-09-22-12-28-13-58_7352322957d4404136654ef4adb64504.jpg	filed	21d ago
Sanction letter+ MOTD inside+ Aadhaar card inside+ PAN card inside	SKM_226i26092212160.pdf	filed	21d ago
Paid challan (GRAS)	VAIBHAV GADKARI EchallanMH010614320202627E.pdf	filed	21d 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
₹22,830.46

Where it stands
waiting for the credit

Screenshot claims
₹22,800

why?

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹7,880	₹13,130	₹320	₹1,500	₹22,830

By law ₹22,820. We ask ₹22,830 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

36 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, E-mail (person 1), Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1) …

27 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, derived, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …

✗ EzDocs found boxes that do NOT agree with the document (21d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (SKM_226i26092212160.pdf) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

⚠ not in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

Area (sq.mt, carpet)

⚠ not in the document

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

GROUND AND FIRST FLOOR, PLOT NO 69 B, OUT OF ENTIRE PLOT NO 69, MOUZA WANADONGARI, TAHSIL HINGNA, Nagpur, KHASRA NO 360 AND 361 P Η ΗΑ 46, Nagpur, MAHARASHTRA, India, 440016

saving a change clears verification until someone verifies again

The property, paper by paper side by side, the base paper first

the sanction letter BASE — the challan follows this

SKM_226i26092212160.pdf

the address
{'PIN': '442001', 'AREA': 'WARD NUMBER 3, JAMANI', 'FLAT': NONE, 'ROAD': NONE, 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': NONE, 'DISTRICT': 'WARDHA', 'POST_OFFICE': 'AKOLI', 'VILLAGE_CITY': 'WARDHA'}

the legal report (TSR)

SKM_226i26092212210.pdf

as printed
ALL THAT PIECE AND PARCEL OF LAND BEARING PLOT NO. 69-B ADMEASURING ABOUT 93.57 SQ. MTR., ALONG WITH RCC CONSTRUCTION DUPLEX HOUSE THEREUPON ADMEASURING ABOUT 59.98 SQ. MTR., SITUATED ON THE GROUND AND FIRST FLOOR, IN THE SANCTION LAYOUT KNOWN AND STYLE AS –PARVATI PARK’ BEING A PORTION OF ENTIRE LAND BEARING KH. NO. 360 & 361 OF MOUZA-WANADONGRI, BEARING P. H. NO. 46, BEARING HOUSE NO. 12713 SITUATED IN WARD NO. 08, WITHIN THE LIMITS OF MUNICIPAL COUNCIL WANADONGRI, IN TAHSIL HINGNA AND DISTRICT NAGPUR

THE CHALLAN, as it will be typed

Flat/Survey Number
DUPLEX HOUSE NO 69 B FIRST FLOOR KHASRA NO 360 AND 361 HOUSE NO 46

Locality/Road
PARVATI PARK KATOL ROAD NEAR MADRASI TEMPLE NEAR RAMNAGAR MOUJE WANADONGARI TAL HINGNA DIST NAGPUR

Area/City
NAGPUR

check or correct a box, the papers beside it →

the legal report (TSR) also prints: 08, 12713, 360, 361, 46, 57, 59, 69, DUPLEX, ENTIRE, HINGNA, LAYOUT, MOUZA, NAGPUR, PARVATI, RCC, SANCTION, STYLE

Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.

Parties

Role	Name	PAN	Aadhaar
co_mortgagor	SHRUTI VAIBHAV GADKARI	HCQPK7294R
mortgagor	VAIBHAV WASUDEORAO GADKARI	BXCPG2690E	…0684

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
documents acknowledged	bharati.bhope@phfl.com	21d ago
questions for the branch — what the papers leave open	bharati.bhope@phfl.com	21d ago
Index II chase	bharati.bhope@phfl.com	20d ago
Index II chase	bharati.bhope@phfl.com	17d ago
Index II chase	bharati.bhope@phfl.com	13d ago
Index II chase	bharati.bhope@phfl.com	10d ago
Index II chase	bharati.bhope@phfl.com	7d ago
Index II chase	bharati.bhope@phfl.com	4d ago
Index II chase	bharati.bhope@phfl.com	13h ago

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

Payment screenshot Screenshot_2026-09-22-12-29-15-82_7352322957d4404136654ef4adb64504.jpg needs your check

date
2026-09-22

time
12:20

amount
22800

method
UPI

payee name
THINKBIGZ INITIATIVE PVT LTD

raw reading (for Abhijit)

{'utr': None, 'date': '2026-09-22', 'time': '12:20', 'amount': 22800, 'method': 'UPI', 'payee_upi': None, 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}

Selfie / photo Screenshot_2026-09-22-12-28-23-45_7352322957d4404136654ef4adb64504.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

Selfie / photo Screenshot_2026-09-22-12-28-13-58_7352322957d4404136654ef4adb64504.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

Sanction letter SKM_226i26092212160.pdf needs your check

lan
HOU/NAG/0726/5179549

legible
True

borrowers
{'name': 'VAIBHAV WASUDEORAO GADKARI', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHRUTI VAIBHAV GADKARI', 'role': 'applicant', 'label': 'Applicant'}

loan type
Housing Loan, Housing

confidence
1

handwritten
{'says': 'vaibha wosudeano Gadkari shruti vaibhou Gerdkan!', 'where': 'page 3, Memorandum of Entry in case of Mortgage by Deposit of Title Deeds, Borrower name', 'touches': 'name', 'printed_was': None}, {'says': 'twenty

loan amount
2500000

final amount
2625000

interest rate
13.15

sanction date
30-Jul-2026

letter version
5

applicant email
vaibhavgadkari3@gmail.com

applicant names
VAIBHAV WASUDEORAO GADKARI, SHRUTI VAIBHAV GADKARI

printed altered
True

applicant mobile
9960603478

property address
pin: 440016; state: MAHARASHTRA; taluka: HINGNA; flat_no: 69 B; district: Nagpur; floor_no: FIRST FLOOR; full_address: GROUND AND FIRST FLOOR, PLOT NO 69 B, OUT OF ENTIRE PLOT NO 69, MOUZA WANADONGARI, TAHSIL HINGNA, Nag

insurance premium
125000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
2625000

security address verbatim
GROUND AND FIRST FLOOR, PLOT NO 69 B, OUT OF ENTIRE PLOT NO 69, MOUZA WANADONGARI, TAHSIL HINGNA, Nagpur, KHASRA NO 360 AND 361 P Η ΗΑ 46, Nagpur, MAHARASHTRA, India, 440016

applicant address verbatim
VAIBHAV WASUDEORAO GADKARI SHRUTI VAIBHAV GADKARI ANKUSH KAVADUJI KUKDE JANAB KANDRI TA MOHADI, BHANDARA India

raw reading (for Abhijit)

{'lan': 'HOU/NAG/0726/5179549', 'legible': True, 'borrowers': [{'name': 'VAIBHAV WASUDEORAO GADKARI', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHRUTI VAIBHAV GADKARI', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan, Housing', 'confidence': 1, 'handwritten': [{'says': 'vaibha wosudeano Gadkari shruti vaibhou Gerdkan!', 'where': 'page 3, Memorandum of Entry in case of Mortgage by Deposit of Title Deeds, Borrower name', 'touches': 'name', 'printed_was': None}, {'says': 'twenty Six Lolah twenn five thered', 'where': 'page 3, Memorandum of Entry in case of Mortgage by Deposit of Title Deeds, loan amount', 'touches': 'amount', 'printed_was': None}, {'says': 'Sadan chavi Mar', 'where': 'page 3, Memorandum of Entry in case of Mortgage by Deposit of Title Deeds, branch office', 'touches': 'other', 'printed_was': None}, {'says': 'Sandeep piley', 'where': 'page 3, Memorandum of Entry in case of Mortgage by Deposit of Title Deeds, witness name', 'touches': 'name', 'printed_was': None}, {'says': 'Samed michna.', 'where': 'page 3, Memorandum of Entry in case of Mortgage by Deposit of Title Deeds, witness name', 'touches': 'name', 'printed_was': None}], 'loan_amount': 2500000, 'final_amount': 2625000, 'interest_rate': 13.15, 'quality_issue': None, 'sanction_date': '30-Jul-2026', 'letter_version': '5', 'applicant_email': 'vaibhavgadkari3@gmail.com', 'applicant_names': ['VAIBHAV WASUDEORAO GADKARI', 'SHRUTI VAIBHAV GADKARI'], 'printed_altered': True, 'applicant_mobile': '9960603478', 'property_address': {'pin': '440016', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'HINGNA', 'flat_no': '69 B', 'district': 'Nagpur', 'floor_no': 'FIRST FLOOR', 'landmark': None, 'full_address': 'GROUND AND FIRST FLOOR, PLOT NO 69 B, OUT OF ENTIRE PLOT NO 69, MOUZA WANADONGARI, TAHSIL HINGNA, Nagpur, KHASRA NO 360 AND 361 P Η ΗΑ 46, Nagpur, MAHARASHTRA, India, 440016', 'village_city': 'WANADONGARI', 'building_name': None, 'survey_or_cts_no': '360 AND 361'}, 'insurance_premium': 125000, 'final_amount_label':

PAN card SKM_226i26092212210.pdf needs your check

dob
1996-04-16

pan
BXCPG2690E

name
VAIBHAV GADKARI

legible
True

father name
IWASUDEORAO GADKARI

raw reading (for Abhijit)

{'dob': '1996-04-16', 'pan': 'BXCPG2690E', 'name': 'VAIBHAV GADKARI', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'IWASUDEORAO GADKARI', 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter SKM_226i26092212160.pdf needs your check

dob
2003-06-25

pan
HCQPK7294R

name
SHRUTI VAIBHAV GADKARI

legible
True

father name
ANKUSH KUKDE

raw reading (for Abhijit)

{'dob': '2003-06-25', 'pan': 'HCQPK7294R', 'name': 'SHRUTI VAIBHAV GADKARI', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'ANKUSH KUKDE', 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter SKM_226i26092212160.pdf needs your check

dob
1996-04-16

name
VAIBHAV WASUDEORAO GADKARI

mobile
9960603478

address
pin: 442001; area: Ward Number 3, Jamani; state: Maharashtra; district: Wardha; post_office: Akoli; village_city: Wardha

legible
True

aadhaar last4
0684

raw reading (for Abhijit)

{'dob': '1996-04-16', 'pan': None, 'name': 'VAIBHAV WASUDEORAO GADKARI', 'mobile': '9960603478', 'address': {'pin': '442001', 'area': 'Ward Number 3, Jamani', 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Wardha', 'post_office': 'Akoli', 'village_city': 'Wardha'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '0684', 'quality_issue': None}

Sanction letter SKM_226i26092212160.pdf needs your check

amount words
INR_2625000 (Rupees twenty Six Lolch twenn five five theend Only)

secured amount
2625000.0

raw reading (for Abhijit)

{'amount_words': 'INR_2625000 (Rupees twenty Six Lolch twenn five five theend Only)', 'secured_amount': 2625000.0}

Payment screenshot Screenshot_2026-09-22-12-29-15-82_7352322957d4404136654ef4adb64504.jpg needs your check

payments inside
kind: payment_screenshot; payments: [{'utr': None, 'date': '2026-09-22', 'page': 1, 'time': '12:20', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 22800.0, 'direction': None, 'narration': None, 'proof_kind': 'succes

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': None, 'date': '2026-09-22', 'page': 1, 'time': '12:20', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 22800.0, 'direction': None, 'narration': None, 'proof_kind': 'success_screen'}], 'rows_read': None, 'account_last4': None, 'account_holder': None}}

Paid challan (GRAS) VAIBHAV GADKARI EchallanMH010614320202627E.pdf needs your check

grn
MH010614320202627E

pin
440016

total
21010.0

article
6(1)

defaced
False

bank cin
03006172026092200557

district
NAGPUR

area city
NAGPUR

payer pan
BXCXXXXXXE

flat block
GROUND AND FIRST FLOOR PLOT NO 69 B PARVATI PARK KH NO 360 AND 361 MOUZA WANADONGARI

payer name
VAIBHAV GADKARI

sro office
HGN_HINGNA SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2625000

scheme rows
{'amount': 7880.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 13130.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX3478

payment date
22/09/2026-13:32:26

road locality
P.H. NO. 46 TAL HINGNA DIST NAGPUR MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
2625000

raw reading (for Abhijit)

{'grn': 'MH010614320202627E', 'pin': '440016', 'total': 21010.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026092200557', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'BXCXXXXXXE', 'flat_block': 'GROUND AND FIRST FLOOR PLOT NO 69 B PARVATI PARK KH NO 360 AND 361 MOUZA WANADONGARI', 'payer_name': 'VAIBHAV GADKARI', 'sro_office': 'HGN_HINGNA SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2625000', 'scheme_rows': [{'amount': 7880.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 13130.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3478', 'payment_date': '22/09/2026-13:32:26', 'road_locality': 'P.H. NO. 46 TAL HINGNA DIST NAGPUR MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2625000'}

PAN card SKM_226i26092212210.pdf needs your check

found
True

found in
Description of the Property

area sq m
59.98

paper for
loan_ref: HOU/NAG/0726/5179549; report_id: 2026/SMB/PNB/OPN/LEG/AUG/26; customer_name: VAIBHAV GADKARI

confidence
1

property address
taluka: Hingna; flat_no: House No. 12713, Plot No. 69-B; district: Nagpur; floor_no: Ground and First Floor; full_address: Plot No. 69-B, PARVATI PARK, House No. 12713, Ward No. 08, Mouza-Wanadongri, Tahsil Hingna, Distr

security address verbatim
All that piece and parcel of land bearing Plot No. 69-B admeasuring about 93.57 Sq. mtr., along with RCC construction Duplex House thereupon admeasuring about 59.98 Sq. mtr., situated on the Ground and First Floor, in th

raw reading (for Abhijit)

{'found': True, 'found_in': 'Description of the Property', 'area_sq_m': 59.98, 'paper_for': {'loan_ref': 'HOU/NAG/0726/5179549', 'report_id': '2026/SMB/PNB/OPN/LEG/AUG/26', 'customer_name': 'VAIBHAV GADKARI'}, 'pin_other': None, 'confidence': 1, 'address_lines': None, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': 'Hingna', 'flat_no': 'House No. 12713, Plot No. 69-B', 'district': 'Nagpur', 'floor_no': 'Ground and First Floor', 'landmark': None, 'full_address': 'Plot No. 69-B, PARVATI PARK, House No. 12713, Ward No. 08, Mouza-Wanadongri, Tahsil Hingna, District Nagpur', 'village_city': 'Wanadongri', 'building_name': 'PARVATI PARK', 'survey_or_cts_no': 'Kh. No. 360 & 361, P. H. No. 46'}, 'security_address_verbatim': 'All that piece and parcel of land bearing Plot No. 69-B admeasuring about 93.57 Sq. mtr., along with RCC construction Duplex House thereupon admeasuring about 59.98 Sq. mtr., situated on the Ground and First Floor, in the sanction layout known and style as –PARVATI PARK’ being a portion of entire land bearing Kh. No. 360 & 361 of Mouza-Wanadongri, bearing P. H. No. 46, bearing House No. 12713 situated in Ward No. 08, within the limits of Municipal Council Wanadongri, in Tahsil Hingna and District Nagpur'}

Technical record (for Abhijit — safe to ignore)

13h ago	system:emails	email_shadowed:index2_chase	{'to': 'bharati.bhope@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0726/5179549) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
13h ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
4d ago	system:emails	email_shadowed:index2_chase	{'to': 'bharati.bhope@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0726/5179549) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
4d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
7d ago	system:emails	email_shadowed:index2_chase	{'to': 'bharati.bhope@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0726/5179549) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
7d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
8d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-05T11:00:57', 'why': 'mail', 'open': 8, 'mails': [{'at': '2026-09-22 07:20', 'id': '1a0c7faf8cb5f01b', 'from': 'branch', 'gist': 'The branch asks for the challan and the NOI.', 'subject': 'Reque
8d ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-05T11:00:57', 'asks': ['provide NOI'], 'gist': 'The branch asks for the NOI and claims to have attached the RR and sale deed, but nothing is attached.', 'next': 'Ask the branch to send the RR and sale dee
8d ago	system:reconcile	half_read_mail_reread	{'why': 'this mail named 1 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'pnb.noifilling@gmail.com',
8d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-05T10:30:28', 'why': 'mail', 'open': 8, 'mails': [{'at': '2026-09-22 07:20', 'id': '1a0c7faf8cb5f01b', 'from': 'branch', 'gist': 'The branch asks for the challan and the NOI.', 'subject': 'Reque
8d ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-05T10:30:28', 'asks': ['provide NOI'], 'gist': 'The branch asks for the NOI and claims to have attached the RR and sale deed, but nothing is attached.', 'next': 'Ask the branch to send the RR and sale dee
8d ago	system:reconcile	half_read_mail_reread	{'why': 'this mail named 1 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'pnb.noifilling@gmail.com',
8d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-05T10:17:04', 'why': 'mail', 'open': 8, 'mails': [{'at': '2026-09-22 07:20', 'id': '1a0c7faf8cb5f01b', 'from': 'branch', 'gist': 'The branch asks for the challan and the NOI.', 'subject': 'Reque
8d ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-05T10:17:04', 'asks': ['provide NOI'], 'gist': 'The branch asks for the NOI and claims to have attached the RR and sale deed, but nothing is attached.', 'next': 'Ask the branch to send the RR and sale dee
8d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-05T10:16:59', 'why': 'paper', 'open': 8, 'mails': [{'at': '2026-09-22 07:20', 'id': '1a0c7faf8cb5f01b', 'from': 'branch', 'gist': 'The branch asks for the challan and the NOI.', 'subject': 'Requ
8d ago	ezdocs:reader	paper_against_file490	{'at': '2026-10-05T10:16:50', 'why': 'The paper belongs to this file because it names the customer and the loan reference, and it provides details for the property address, specifically the building name.', 'file': 'SKM_
8d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-05T10:16:47', 'why': 'paper', 'open': 8, 'mails': [{'at': '2026-09-22 07:20', 'id': '1a0c7faf8cb5f01b', 'from': 'branch', 'gist': 'The branch asks for the challan and the NOI.', 'subject': 'Requ
8d ago	ezdocs:reader	paper_against_file490	{'at': '2026-10-05T10:16:45', 'why': 'The paper is already on file and its reading has been processed.', 'file': 'SKM_226i26092212160.pdf', 'kinds': ['sanction_letter', 'sanction_letter', 'motd', 'aadhaar', 'pan'], 'doc_
8d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-05T10:16:43', 'why': 'first note', 'open': 8, 'mails': [{'at': '2026-09-22 07:20', 'id': '1a0c7faf8cb5f01b', 'from': 'branch', 'gist': 'The branch asks for the challan and the NOI.', 'subject':
8d ago	system:extract	address_compared	{'sig': '238c279fe1bcb645', 'why': 'new mail', 'people': [{'home': 'Ward Number 3, Jamani, Wardha, Wardha, 442001', 'person': 'VAIBHAV WASUDEORAO GADKARI', 'against': [], 'home_src': 'aadhaar', 'party_id': '256a0983-f4c1
10d ago	system:emails	email_shadowed:index2_chase	{'to': 'bharati.bhope@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0726/5179549) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
10d ago	system:emails	draft_withdrawn	{'why': 'the index2 chase makes it pointless — it would ask for what the case already has', 'count': 1, 'kinds': ['ack_docs']}
10d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 3, 'kinds': ['index2_chase']}
12d ago	system:emails	draft_withdrawn	{'why': 'the case is past the challan — the questions are moot', 'count': 1, 'kinds': ['branch_questions']}
13d ago	system:emails	email_shadowed:index2_chase	{'to': 'bharati.bhope@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0726/5179549) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n -
14d ago	system:learn	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed BXxxxxxxXE — no paper on the
16d ago	system:ingest	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",
17d ago	system:extract	paper_read_beside_case	{'why': "this paper is read for what it prints — its words sit beside the challan and the e-filing and are compared paper by paper; the case's property is not written from it: the property already came from the sanction_
17d ago	system:extract	paper_read_beside	{'why': "this property paper had no reading of its own (it arrived after the case's property was settled) — read once for what it prints, so it sits beside the challan and the e-filing", 'file': 'SKM_226i26092212210.pdf'
17d ago	ezdocs:reader	reader_home_address	{'fp': '1d6bde2bbc8ded41', 'from': 'the sanction letter (SKM_226i26092212160.pdf)', 'home': {'area': 'JANAB KANDRI', 'state': 'India', 'district': 'BHANDARA', 'village_city': 'MOHADI'}, 'asked': True, 'notes': 'The lette

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

Papers

All 5 in hand

Nothing more to ask the branch for

Money

₹22,800 claimed · credit not seen

Counts as received only on the credit SMS or a person's Verify.

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

Needs your eyes: The work is done — our fee of ₹22,830.46 is still not in our account. Chase the branch for it.

Today · 13 Oct2 things

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02158 | HOU/NAG/0726/5179549

10:00

An old draft withdrew itself — its asks were already answered

10:00

9 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02158 | HOU/NAG/0726/5179549

10:00

An old draft withdrew itself — its asks were already answered

10:00

6 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02158 | HOU/NAG/0726/5179549