⚠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.
Vikram Hindurao Thorat
LAN 7792145388Loan ₹49,90,000BT + top-upMails & papers 10 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
30 Sep, 19:57
Documents
Payment
Challan
done 30 Sep, 20:40 · GRAS ↗
Filing
took 5d 21h · IGR e-filing ↗
E-filing copy
done 6 Oct, 18:10
Index II
took 1d 18h
doneIndex II shared · the trail says: The branch has sent all loan documents and confirmed payment. The team has shared the challan and is now asking for the Index 2 copy and a selfie photo for NOI…whole case so far 13d 3h
Needs your eyes1
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
8 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
IndexII9990610260595.pdf
6 Oct32 things — 3 documents received · 1 letter written · 2 cautions · 26 steps
dhc prn read
efiling copy 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
eFilingDoc9990610260595.pdf
copilot check ok — by copilot
form checked489
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
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 profile differs — by copilot
efiling token from portal — by copilot
file note490
mail against file490 — by ezdocs:reader
file note490
documents read together
Document could not be read — a clear copy was asked for
this is not a live selfie
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: Selfie — not usable
Vikram photo.png — this is not a live selfie
Received: Selfie — not usable
Sheetal photo.png — this is a photograph of a passport-size print, not a live selfie
1 Oct3 things — 3 steps
An old draft withdrew itself — its asks were already answered
case read — by ezdocs:reader
case read started — by ezdocs:reader
30 Sep72 things — 11 documents received · 5 letters written · 1 money step · 55 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
desk documents backfill
The branch's title document is on the case — the filing is the NOI team's move
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
VIKRAM HINDURAO THORAT EchallanMH011192950202627E.pdf
copilot edit — by copilot:NIKHIL
paper locate — by ezdocs:reader
copilot check ok — by copilot
copilot pick — by copilot
whole file hold — by copilot
quoted history checked
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
Share the NOI Challan & Final index 2 copy in case of : Vikram Hindurao Thorat || 7792145388 ||
An old draft withdrew itself — its asks were already answered
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
The home address was read off the papers — by ezdocs:reader
branch questions drafted
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
Share the NOI Challan & Final index 2 copy in case of : Vikram Hindurao Thorat || 7792145388 ||
case read — by ezdocs:reader
boxes gathered
address compared
challan boxes composed
money settled — by ezdocs:reader
money not settled
property self check
property from index2
index2 people checked
documents read together
property self check
money settled — by ezdocs:reader
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-03047
acknowledged with advice
No fee quote sent — the branch's own figures were right
The payment proof already on the case was applied
insurance twin detected
property from index2
index2 people checked
property english extracted
case read started — by ezdocs:reader
applicant email captured
roles from letter
index2 people checked
Received: other
Outlook-pmt5hcus.png
Index II (title document) received from the branch
Received: Sanction letter
KFSLetter_7792145390.pdf
Property checked by the engine — read from the report, every box that names the flat is there
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Received: Sanction letter
KFSLetter_7792145388.pdf
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Property read from the legal / technical report (the sanction letter had none)
Received: Index II
Property Index 2.pdf
Co-applicant added
kyc address read
Received: PAN card
Sheetal_Pan.pdf
Payment proof arrived before the case was quoted — held
Received: Technical report
HRQ-26-160582_INDProcessRequest_2500320260930151919019.pdf
Received: Aadhaar
Vikram_Aadhaar.pdf
Received: Aadhaar
Sheetal_Aadhaar.pdf
Received: Payment screenshot
Payment Screenshot.pdf
Received: PAN card
Vikram_Pan.pdf
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 needs2 still to come
10 of 12 in hand · the challan is done — these are for the filing / KYC
✓PAN cardopen
✓Aadhaar cardopen
✓Technical reportopen
✓Sanction letteropen
✓Paid challan (GRAS)open
Selfie / photo (CANNOT BE READ — clear copy asked — this is not a live selfie)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 · 15 files
The file, as the engine remembers it7 open
The Notice of Intimation filing is for Vikram Hindurao Thorat and Sheetal Vikram Thorat on Flat No. 1, Building A, Supriya Sankul, Baner, Pune. The total loan amount is Rs. 4,990,000 (comprising Rs. 4,780,944 main loan plus Rs. 209,056 insurance loan), matching the paid challan and the branch's emai
○the photo — the branch
✗the photo could not be read (Sheetal photo.png) — the branch — this is a photograph of a passport-size print, not a live selfie
✗the photo could not be read (Vikram photo.png) — the branch — this is not a live selfie
○Sheetal Vikram Thorat — mobile — the branch
○Sheetal Vikram Thorat — e-mail — the branch
○Sheetal Vikram Thorat — home road — the branch
○property — title deed held — the branch
?unsure of Road — No road name is printed in the property address lines of the Technical Report or in the Index II.
?unsure of Date of Mortgage — There is no MOTD (Memorandum of Deposit of Title Deeds) document on the file to verify the date of mortgage.
the branch's last mail (2026-10-06): The branch is asking for the NOI challan and the final Index 2 copy. · brought: a selfie
read once, kept; every new mail and paper is read against this note · kept 2026-10-06T08:56 UTC
Moneyall of it is in
₹32,030.98
Reached our account 30 Sep 20:01:47.
How we know
Our own bank told us — 30 Sep 20:01
₹32,020 · UTR AXNGG27329929522 · from JK-PNBSMS-S · a/c …0581
“Ac XX0581 Credited with Rs.32020.00,30-09-2026 20:01:47 thru NEFT from AXNGG27329929522/GOOGLE INDIA DIGITAL . Aval Bal 159045.74 CR Helpline 18001800/18002021-PNB”
Matched by: the screenshot's amount equals this credit
The working
Stamp duty 0.3%14,980
Registration fee 0.5%15,000
Government handling350
Our service fee1,700
Total we ask for32,030.98
By law ₹32,020. We ask ₹32,030 (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
1, 1st, Supriya Sankul i.e. Supriya Sankul Sahakari Gruharachana Sanstha Maryadit, Building O, SURVEY, 112, Baner, 411045
read from the Index II · e-filing boxes 41 of 46 ready
Check the property →the boxes beside the paper
People
VIKRAM HINDURAO THORAT · applicantADHPT7736QSheetal Vikram Thorat · co-applicantAHXPT1596J
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