Cases / NOI-2026-02912

Devendra D. Thorat

LAN HOU/PUN/0926/5219947 Challan paid · our move SHORT ₹120.36 File on IGR All documents Mails & papers 4

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs1 still to come

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

The challan was paid on another loan figure. The file adds up to ₹34,810; it reads: ₹19,810 (stamp-duty head), ₹15,000 (registration head); this case’s figures say ₹35,000 (0.3% ₹20,000 + 0.5% ₹15,000 on a loan of ₹66,62,500); the challan itself says a loan of ₹66,00,000. the case's figure is the sanction letter's total with insurance. No sanction letter on this file prints ₹65,98,335–₹66,01,668, alone or with another — is it this customer’s challan? Open it before pressing either button. The NOI team paid it, so the case is past the challan — but the e-filing must carry the challan’s figure. Settle the loan amount before filing.

✓Payment screenshot — SHORT ₹120.36 (shows ₹36,700 of ₹36,820.36)open

✓Aadhaar cardopen

✓PAN cardopen

✓Selfie / photoopen

✓Sanction letteropen

✓Sale deedopen

✓Paid challan (GRAS)open

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

All files (10)A label is wrong? Fix it under All documents.

For you to check

Payment SHORT by ₹120.36 (₹36,700 of ₹36,820.36).
Money received is short — ₹120.36 still to come.
Challan on file does not agree with the case. Open it before paying or sharing.
Bank under-collected — money at risk — see Facts.
The work is done — our fee of ₹36,820.36 is still not in our account. Chase the branch for it.

MoneyLess money came

₹36,700of ₹36,820.36CASE MARK

₹120.36 of our ask has not arrived yet.

₹36,700 receivedthe receipt's amount and minute agree

Ask for the exact ₹36,820.36. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%20,000

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.36

Total we ask for36,820.36

Screenshot ₹36,700. Case needs ₹36,820.36. SHORT by ₹120.36. Ask the branch for the balance.

why?

A screenshot is the branch's claim, not money seen — and this claim is short of what the case needs. It is ₹88 below the real calculation of ₹36,788 (government + DHC + our fee) — so it is short whatever the buffer. The NOI team's 'short amount' letter asks for the balance with the table.

paid 29 Sep 21:38:35

How we know

Our own bank told us — 29 Sep 21:38

₹36,700 · UTR 627217366102 · from VA-PNBSMS-S · a/c …3164

“Ac XX3164 Credited with Rs.36700.00 29-09-2026 21:38:35 by ARATI MA thru UPI. Aval Bal Rs.220155.15 CR. (UPI Ref ID:627217366102) -PNB”

Matched by: the screenshot's amount AND its minute agree with this credit

By law ₹36,807.50. We ask ₹36,820 (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 ₹36,700 — ₹120.36 under our ask: the branch's working is short (see Facts).

BANK UNDER-COLLECTED — money at risk

Bank table ₹36,700. Case needs ₹36,820. SHORT by ₹120. Do NOT accept ₹36,700 — ask the branch for ₹36,820.

why?

The branch is asking the borrower for Rs.36,700 where the duty and fees come to Rs.36,808 — Rs.108 short. Collect Rs.36,807.50; a short challan is refused at the SRO counter.

the branch's own words

The branch's mail said: total payable: bank says Rs.36,700, computed Rs.36,808 (difference Rs.-108)

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 2 h 33 minour time · 30 Sep 12:02

Index II —not yet

the NOI team 15 d 23 htotal 15 d 23 h so far

Now with the NOI team — e-filing on IGR

since 30 Sep 12:02 — 15 d 8 h of working time

Day by day — every step and who held it

29 Sep 21:41Your branch's mail

29 Sep 21:41Payment landedat once

29 Sep 21:43Fee quoted+2 min · the NOI team

29 Sep 21:43Papers readat once

29 Sep 21:43Property readat once

30 Sep 12:02Challan made+14 h 19 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹66,62,500

Loan account no.

HOU/PUN/0926/5219947

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

File the NOI on the IGR site

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.

Before opening the portal, EzDocs sees:

• DO NOT SAVE — the loan: the paid challan (₹34,810, GRN MH011126502202627E) was worked on a loan of ₹65,98,335–₹66,01,668; this case holds ₹66,62,500, and no sanction letter on the file prints that figure, alone or with another. Open the challan: is it this customer's, and which figure is the loan? On the case page, set the loan to the challan's figure if it is right, or mark the challan wrong — this clears then.

• 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

• DEVENDRA DATTATRAY THORAT is on the case twice (two rows, the same PAN) — one Mortgagor page is typed for them; the rows are one person

• person 2's mobile: the case's 7350150076 came off a card — not typed; copy it from the sanction letter / KFS or the branch's mail

• 17 property box(es) not from the Index II / worked out / unsure — shown in orange 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.

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

CHECKLoan amount mismatch

The sanction letter	Rs 66,62,500 total loan amount with insurance Total Loan Amount: INR 6662500
The branch's mail of 29 Sep	Rs 66,00,000 loan amount with insurance Loan Amount Including Insurance 66,00,000

Why it matters: The branch calculated and paid their fees based on a total loan of Rs 66,00,000. However, the sanction letter specifies a total loan with insurance of Rs 66,62,500. The filing below uses the sanction letter's total of Rs 66,62,500.

What to do: Confirm with the branch whether the correct loan amount is Rs 66,62,500 or Rs 66,00,000 and verify if any fee top-up is needed.

Compared: the sanction letter; and EzDocs (reading the whole file). Nothing here is typed or changed by itself.

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

The branch has sent all required documents and paid the fee. The team has generated and shared the challan, and has also asked for the Index 2 copy again. The team needs to file the NOI.

the history says the next move is with the NOI team — NOI filing

the branch last asked: Kindly provide Challan and NOI in captioned case,

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 (2026-09-29) “Loan sanction letter Attached Index 2/ Draft Attached Aadhar copy of the applicant/s Attached PAN copy of the applicant/s Attached Form A2 with Photograph of ap”

✓ fee paid — the branch's words — done, mail 2 (2026-09-29) “We acknowledge the receipt of your mail document and payment.”

✓ challan made — done, mail 4 (2026-09-30) “PFA challan for your reference.”

✓ challan shared — done, mail 4 (2026-09-30) “PFA challan for your reference.”

? Index II asked for — asked, mail 3 (2026-09-30) “For NOI filing, We need an index 2 copy..”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-09-29) “Index 2/ Draft Attached”

read over 4 mail(s), last mail 2026-09-30 · read 15d 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 (15d 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	MH011126502202627E	—	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 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 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

SP sandesh.pardeshi@pnbhousing.com pnbhousing.com
29 Sep, 21:41 · 15d ago THE FIRST MAIL — how this case began

Kindly Provide Challan & NOI : APP NAME :- DEVENDRA D. THORAT - HOU/PUN/0926/5219947

📎 IMG-20260929-WA0043.jpg ↗📎 CO APPL ANURADHA T. EAadhaar.pdf ↗📎 Co appl PAN.jpg ↗📎 APPL PHOTO.jpg ↗📎 CO APPL PHOTO.jpg ↗📎 APPL D. THORAT EAadhaar.pdf ↗📎 Appl PAN.jpg ↗📎 Sanction letter.png ↗📎 Draft - 2BHK - 303 - DEVENDRA THORAT.pdf ↗

Dear Team,

Kindly provide Challan and NOI in captioned case,

NOI Charges & Service Fees Calculator - Nestly.in

Loan amount₹66,00,000

Stamp duty 0.30%₹19,800

Registration fee 0.50%₹15,000

DHC₹300

Documents required for NOI Filing

Remark

Loan sanction letter✓ Attached

Index 2/ Draft✓ Attached

Aadhar copy of the applicant/s✓ Attached

PAN copy of the applicant/s✓ Attached

Form A2 with Photograph of applicant/s affixed or Passport size photo scan copy✓ Attached

Payment details screenshot with Transaction ID & Date of payment mentioned✓ Attached

Challan Date:- 29/09/2026

NOI Govt Fees300

Nestly.in

Service Fees for NOI Filling1600

1600.00

Total Amount to be Paid to Nestly.in for NOI36700.00

Thanks & Regards,
Sandesh Pardeshi,
Area Sales Manager,
PNB Housing Finance Ltd.
6th Floor, Conclove, Bhd. ONP Hospital, Shivaji Nagar, Pune - 411005.
Mobile: +91 - 7028989852 / 8308308360/ Direct: : +91-8291456217,+91-8291244286 / Toll Free: 1800 120 8800, Website - www.pnbhousing.com<http://www.pnbhousing.com/>


Internal

🤖 read: asks for the challan, the e-filing copy; documents attached — “Kindly provide Challan and NOI in captioned case,”

OL The NOI teamTYPED IN GMAIL
29 Sep, 22:10 · 15d ago

Dear Team

We acknowledge the receipt of your mail document and payment. We will

initiate the Challan for the same.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Tue, 29 Sep, 2026, 21:43 Sandesh Pardeshi, <
sandesh.pardeshi@pnbhousing.com> wrote:

Dear Team,

Kindly provide Challan and NOI in captioned case,

*Documents required for NOI Filing*

*Remark*

*Loan sanction letter*

*Attached*

*Index 2/ Draft*

*Attached*

*Aadhar copy of the applicant/s*

*Attached*

*PAN copy of the applicant/s*

*Attached*

*Form A2 with Photograph of applicant/s affixed or Passport size photo
scan copy*

*Attached*

*Payment details screenshot with Transaction ID & Date of payment
mentioned*

*Attached*

*Challan Date:- 29/09/2026*

*NOI Charges & Service Fees Calculator - Nestly.in*

*Loan Amount Including Insurance*

66,00,000

NOI Govt Fees

Stamp Duty

0.30%

19800.00

Registration Fees

0.50%

15000.00

Document Handling Charges

300

300

Nestly.in

Service Fees for NOI Filling

1600

1600.00

*Total Amount to be Paid to Nestly.in for NOI*

*36700.00*

Thanks & Regards,

*Sandesh Pardeshi,*

*Area Sales Manager*,

PNB *Housing Finance Ltd.*

6th Floor, Conclove, Bhd. ONP Hospital, Shivaji Nagar, Pune – 411005.

*Mobile:* +91 – 7028989852 / 8308308360/ Direct: : +91-8291456217,+91-8291244286
/ *Toll Free:* 1800 120 8800, *Website *- www.pnbhousing.com

Internal

🤖 read: challan shared — promised for later — “We will initiate the Challan for the same.”

OL The NOI teamTYPED IN GMAIL
30 Sep, 11:30 · 15d 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 an index 2 copy..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 29 Sept 2026 at 22:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Dear Team

We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 29 Sep, 2026, 21:43 Sandesh Pardeshi, < sandesh.pardeshi@pnbhousing.com > wrote:

Dear Team,

Kindly provide Challan and NOI in captioned case,

Documents required for NOI Filing

Remark

Loan sanction letter

Attached

Index 2/ Draft

Attached

Aadhar copy of the applicant/s

Attached

PAN copy of the applicant/s

Attached

Form A2 with Photograph of applicant/s affixed or Passport size photo scan copy

Attached

Payment details screenshot with Transaction ID & Date of payment mentioned

Attached

Challan Date:- 29/09/2026

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance

66,00,000

NOI Govt Fees

Stamp Duty

0.30%

19800.00

Registration Fees

0.50%

15000.00

Document Handling Charges

300

300

Nestly.in

Service Fees for NOI Filling

1600

1600.00

Total Amount to be Paid to Nestly.in for NOI

36700.00

Thanks & Regards,

Sandesh Pardeshi,

Area Sales Manager,

PNB
Housing Finance Ltd.

6th Floor, Conclove, Bhd. ONP Hospital, Shivaji Nagar, Pune – 411005.

Mobile:
+91 – 7028989852 / 8308308360 / Direct:
:
+91-8291456217, +91-8291244286
/
Toll Free: 1800 120 8800,
Website - www.pnbhousing.com

Internal

🤖 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
30 Sep, 12:05 · 15d ago

📎 DEVENDRA DATTATRAY THORAT EchallanMH011126 ↗

Team,

PFA challan for your reference.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 11:30, 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 an index 2 copy..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 29 Sept 2026 at 22:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Dear Team

We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 29 Sep, 2026, 21:43 Sandesh Pardeshi, < sandesh.pardeshi@pnbhousing.com > wrote:

Dear Team,

Kindly provide Challan and NOI in captioned case,

Documents required for NOI Filing

Remark

Loan sanction letter

Attached

Index 2/ Draft

Attached

Aadhar copy of the applicant/s

Attached

PAN copy of the applicant/s

Attached

Form A2 with Photograph of applicant/s affixed or Passport size photo scan copy

Attached

Payment details screenshot with Transaction ID & Date of payment mentioned

Attached

Challan Date:- 29/09/2026

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance

66,00,000

NOI Govt Fees

Stamp Duty

0.30%

19800.00

Registration Fees

0.50%

15000.00

Document Handling Charges

300

300

Nestly.in

Service Fees for NOI Filling

1600

1600.00

Total Amount to be Paid to Nestly.in for NOI

36700.00

Thanks & Regards,

Sandesh Pardeshi,

Area Sales Manager,

PNB
Housing Finance Ltd.

6th Floor, Conclove, Bhd. ONP Hospital, Shivaji Nagar, Pune – 411005.

Mobile:
+91 – 7028989852 / 8308308360 / Direct:
:
+91-8291456217, +91-8291244286
/
Toll Free: 1800 120 8800,
Website - www.pnbhousing.com

Internal

🤖 read: challan shared ✓ — “PFA challan for your 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
Payment screenshot	IMG-20260929-WA0043.jpg	filed	15d ago
Aadhaar card	CO APPL ANURADHA T. EAadhaar.pdf	filed	15d ago
PAN card	Co appl PAN.jpg	filed	15d ago
Selfie / photo	APPL PHOTO.jpg	filed	15d ago
Selfie / photo	CO APPL PHOTO.jpg	CANNOT BE READ — clear copy asked	15d ago
Aadhaar card	APPL D. THORAT EAadhaar.pdf	filed	15d ago
PAN card	Appl PAN.jpg	filed	15d ago
Sanction letter	Sanction letter.png	filed	15d ago
Sale deed	Draft - 2BHK - 303 - DEVENDRA THORAT.pdf	filed	15d ago
Paid challan (GRAS)	DEVENDRA DATTATRAY THORAT EchallanMH011126502202627E.pdf	filed	15d 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
₹36,820.36

Where it stands
SHORT — less arrived than needed

Screenshot claims
₹36,700 627217366102

Screenshot ₹36,700. Case needs ₹36,820.36. SHORT by ₹120.36. Ask the branch for the balance.

why?

Paid at
29 Sep 21:38:35

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹20,000	₹15,000	₹320	₹1,500	₹36,820

By law ₹36,807.50. We ask ₹36,820 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

52 of 58 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Title deed no / year / SRO, E-mail (person 1), Floor (person 1), Floor (person 2), Floor (person 3)

20 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, 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 (15d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (Sanction letter.png) 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)

✓ in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

⚠ not in the document

✓ 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.

Flt No 303, 3rd floor, Rising Hills By Badhekar Group, Bavdhan, Pune, Pune, MAHARASHTRA, India, 412115

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

Sanction letter.png

as printed
FLT NO 303, 3RD FLOOR, RISING HILLS BY BADHEKAR GROUP, BAVDHAN, PUNE, PUNE, MAHARASHTRA, INDIA, 412115

PIN
412115

THE CHALLAN, as it will be typed

Flat/Survey Number
FLT NO 303 3RD FLOOR RISING HILLS BY BADHEKAR GROUP BAVDHAN PUNE MAHARASHTRA

Locality/Road

Area/City
PUNE

check or correct a box, the papers beside it →

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
co_mortgagor	ANURADHA DEVENDRA THORAT	CQIPA3322D	…3593
mortgagor	DEVENDRA DATTATRAY THORAT	ANIPT6906D	…9849
mortgagor	DEVENDRA DATTATRAY THORAT	ANIPT6906D

All mail records (for Abhijit — safe to ignore)

Template	To	When
documents acknowledged	sandesh.pardeshi@pnbhousing.com	15d ago
fee quote	sandesh.pardeshi@pnbhousing.com	15d ago
document chase	sandesh.pardeshi@pnbhousing.com	15d ago

What EzDocs read from each document — check anything marked in red

Payment screenshot IMG-20260929-WA0043.jpg needs your check

utr
627217366102

date
2026-09-29

time
21:38

amount
36700

method
UPI

payee name
Thinkbigz

payer name
Devendra D. Thorat

raw reading (for Abhijit)

{'utr': '627217366102', 'date': '2026-09-29', 'time': '21:38', 'amount': 36700, 'method': 'UPI', 'payee_upi': None, 'payer_upi': None, 'payee_name': 'Thinkbigz', 'payer_name': 'Devendra D. Thorat', 'debit_notification_text': None}

Selfie / photo CO APPL PHOTO.jpg needs your check

kind
group_or_other

legible
False

confidence
0.9

face visible
True

quality issue
this is a studio portrait, not a live selfie

raw reading (for Abhijit)

{'kind': 'group_or_other', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a studio portrait, not a live selfie'}

Selfie / photo APPL PHOTO.jpg needs your check

kind
live_selfie

legible
True

confidence
1

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1, 'face_visible': True, 'quality_issue': None}

PAN card Co appl PAN.jpg needs your check

dob
1993-06-01

pan
CQIPA3322D

name
ANURADHA DEVENDRA THORAT

legible
True

father name
GOPAL MARUTI AMBAVALE

raw reading (for Abhijit)

{'dob': '1993-06-01', 'pan': 'CQIPA3322D', 'name': 'ANURADHA DEVENDRA THORAT', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'GOPAL MARUTI AMBAVALE', 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card CO APPL ANURADHA T. EAadhaar.pdf needs your check

dob
1993-06-01

name
Anuradha Devendra Thorat

mobile
7350150076

address
pin: 411038; area: Kothrud, Survey No. 120; flat: Plot No. 62; road: Paud Road; state: Maharashtra; building: Modern Colony; district: Pune; post_office: Ex. Serviceman Colony; Village: Pune City

legible
True

aadhaar last4
3593

raw reading (for Abhijit)

{'dob': '1993-06-01', 'pan': None, 'name': 'Anuradha Devendra Thorat', 'mobile': '7350150076', 'address': {'pin': '411038', 'area': 'Kothrud, Survey No. 120', 'flat': 'Plot No. 62', 'road': 'Paud Road', 'floor': None, 'state': 'Maharashtra', 'building': 'Modern Colony', 'district': 'Pune', 'post_office': 'Ex. Serviceman Colony', 'village_city': 'Pune City'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3593', 'quality_issue': None}

Sanction letter Sanction letter.png needs your check

lan
HOU/PUN/0926/521997

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'DEVENDRA DATTATRAY THORAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'ANURADHA DEVENDRA THORAT', 'role': 'co_applicant', 'label': 'Applicant'}

confidence
1

loan amount
6500000

final amount
6662500

interest rate
8.5

sanction date
24-Sep-2026

letter version
4

applicant email
devendrathorat2024@gmail.com

applicant names
DEVENDRA DATTATRAY THORAT, ANURADHA DEVENDRA THORAT

printed altered
False

applicant mobile
9284064317

balance transfer
False

property address
pin: 412115; road: Bavdhan; state: MAHARASHTRA; Flat no: 303; district: Pune; Floor: 3rd floor; Address: Flt No 303, 3rd floor, Rising Hills By Badhekar Group, Bavdhan, Pune, Pune, MAHARASHTRA, India, 412115; vil

insurance premium
162500

final amount label
Total Loan Amount

includes insurance
True

total with insurance
6662500

security address verbatim
Flt No 303, 3rd floor, Rising Hills By Badhekar Group, Bavdhan, Pune, Pune, MAHARASHTRA, India, 412115

applicant address verbatim
SR N 120 PLOT NO.62 MORDEN COLONY, PAUD ROAD, NEAR NAVNATH MITRA, MANDAL, PUNE CITY, PO: EX. SERVICEMAN COLONY, DIST: PUNE, MAHARASHTRA - 411038,., Pune, MAHARASHTRA, 411038, Pune, India

raw reading (for Abhijit)

{'lan': 'HOU/PUN/0926/521997', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'DEVENDRA DATTATRAY THORAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'ANURADHA DEVENDRA THORAT', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'handwritten': [], 'linked_refs': [], 'loan_amount': 6500000, 'final_amount': 6662500, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '24-Sep-2026', 'letter_version': '4', 'applicant_email': 'devendrathorat2024@gmail.com', 'applicant_names': ['DEVENDRA DATTATRAY THORAT', 'ANURADHA DEVENDRA THORAT'], 'printed_altered': False, 'applicant_mobile': '9284064317', 'balance_transfer': False, 'property_address': {'pin': '412115', 'road': 'Bavdhan', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '303', 'district': 'Pune', 'floor_no': '3rd floor', 'landmark': None, 'full_address': 'Flt No 303, 3rd floor, Rising Hills By Badhekar Group, Bavdhan, Pune, Pune, MAHARASHTRA, India, 412115', 'village_city': 'Pune', 'building_name': 'Rising Hills By Badhekar Group', 'survey_or_cts_no': None}, 'insurance_premium': 162500, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 6662500, 'security_address_verbatim': 'Flt No 303, 3rd floor, Rising Hills By Badhekar Group, Bavdhan, Pune, Pune, MAHARASHTRA, India, 412115', 'applicant_address_verbatim': 'SR N 120 PLOT NO.62 MORDEN COLONY, PAUD ROAD, NEAR NAVNATH MITRA, MANDAL, PUNE CITY, PO: EX. SERVICEMAN COLONY, DIST: PUNE, MAHARASHTRA - 411038,., Pune, MAHARASHTRA, 411038, Pune, India'}

PAN card Appl PAN.jpg needs your check

dob
1993-03-24

pan
ANIPT6906D

name
DEVENDRA DATTATRAY THORAT

legible
True

father name
DATTATRAY THORAT

raw reading (for Abhijit)

{'dob': '1993-03-24', 'pan': 'ANIPT6906D', 'name': 'DEVENDRA DATTATRAY THORAT', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DATTATRAY THORAT', 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card APPL D. THORAT EAadhaar.pdf needs your check

dob
1993-03-24

name
Devendra Dattatray Thorat

mobile
9158150343

address
pin: 411038; area: NEAR NAVNATH MITRA MANDAL; flat: SR N 120 PLOT NO.62; road: PAUD ROAD; state: Maharashtra; building: MORDEN COLONY; district: Pune; post_office: Ex. Serviceman Colony; Village: Pune City

legible
True

aadhaar last4
9849

raw reading (for Abhijit)

{'dob': '1993-03-24', 'pan': None, 'name': 'Devendra Dattatray Thorat', 'mobile': '9158150343', 'address': {'pin': '411038', 'area': 'NEAR NAVNATH MITRA MANDAL', 'flat': 'SR N 120 PLOT NO.62', 'road': 'PAUD ROAD', 'floor': None, 'state': 'Maharashtra', 'building': 'MORDEN COLONY', 'district': 'Pune', 'post_office': 'Ex. Serviceman Colony', 'village_city': 'Pune City'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '9849', 'quality_issue': None}

Payment screenshot IMG-20260929-WA0043.jpg needs your check

payments inside
bank: Union Bank of India; kind: payment_screenshot; payments: [{'utr': '627217366102', 'date': '2026-09-29', 'page': 1, 'time': '21:38', 'payee': 'Thinkbigz', 'amount': 36700.0, 'direction': 'debit', 'narration': 'Deven

raw reading (for Abhijit)

{'payments_inside': {'bank': 'Union Bank of India', 'kind': 'payment_screenshot', 'payments': [{'utr': '627217366102', 'date': '2026-09-29', 'page': 1, 'time': '21:38', 'payee': 'Thinkbigz', 'amount': 36700.0, 'direction': 'debit', 'narration': 'Devendra D. Thorat challan and noi charges', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '2473', 'account_holder': None}}

Paid challan (GRAS) DEVENDRA DATTATRAY THORAT EchallanMH011126502202627E.pdf needs your check

grn
MH011126502202627E

pin
412115

total
34810.0

article
6(1)

defaced
False

bank cin
03006172026093000522

district
PUNE

area city
PUNE

payer pan
ANIXXXXXXD

flat block
FLT NO 303 3RD FLOOR RISING HILLS BY BADHEKAR GROUP

payer name
DEVENDRA DATTATRAY THORAT

sro office
HAVELI 4 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=6600000

scheme rows
{'amount': 19810.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX4317

payment date
30/09/2026-12:02:48

road locality
BAVDHAN PUNE MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
6600000

raw reading (for Abhijit)

{'grn': 'MH011126502202627E', 'pin': '412115', 'total': 34810.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026093000522', 'district': 'PUNE', 'area_city': 'PUNE', 'payer_pan': 'ANIXXXXXXD', 'flat_block': 'FLT NO 303 3RD FLOOR RISING HILLS BY BADHEKAR GROUP', 'payer_name': 'DEVENDRA DATTATRAY THORAT', 'sro_office': 'HAVELI 4 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=6600000', 'scheme_rows': [{'amount': 19810.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX4317', 'payment_date': '30/09/2026-12:02:48', 'road_locality': 'BAVDHAN PUNE MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '6600000'}

Paid challan (GRAS) DEVENDRA DATTATRAY THORAT EchallanMH011126502202627E.pdf needs your check

payments inside
bank: PUNJAB NATIONAL BANK; kind: other; payments: []; rows_read: 0; account_holder: DEVENDRA DATTATRAY THORAT

raw reading (for Abhijit)

{'payments_inside': {'bank': 'PUNJAB NATIONAL BANK', 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': 'DEVENDRA DATTATRAY THORAT'}}

Technical record (for Abhijit — safe to ignore)

6h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 29 Sep, 22:10 acknowledged the papers and the payment — the drafts it answers are taken off", 'count': 2, 'kinds': ['ack_docs', 'fee_quote']}
13d ago	EzDocs	hidden_payment_scan	{'file': 'DEVENDRA DATTATRAY THORAT EchallanMH011126502202627E.pdf', 'kind': 'other', 'found': 0, 'doc_id': '53a7fb1a-8363-491a-bf6e-960da5c077b1', 'fetched': True}
15d ago	EzDocs	challan_mismatch_kept	{'why': "checked again with today's rules — the difference is real; a person opens the challan", 'problems': ['consideration (CA) on the challan Rs.6600000 — the loan amount is Rs.6662500']}
15d ago	EzDocs	challan_other_case_checked	{'why': "the same borrower's other loans do not carry this challan's figure", 'doc_id': '53a7fb1a-8363-491a-bf6e-960da5c077b1'}
15d ago	EzDocs	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Loan Amount', 'words': "Loan Amount: the team took 6600000 from the branch's
15d ago	EzDocs	trail_read	{'why': 'EzDocs 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_sha
15d ago	EzDocs	title_doc_on_case_filing_open	{'was': 'BANK', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'Draft - 2BHK - 303 - DEVENDRA THORAT.pdf', 'kind': 'sale_deed'}
15d ago	EzDocs	challan_found_on_case	{'was': 'AWAITING_PAYMENT', 'why': "a challan is on the case — it counts; the challan file adds up to Rs.34810 but this case's figures say Rs.35000 (0.3% Rs.20000 + 0.5% Rs.15000) — the challan was paid on a loan of Rs.6
15d ago	EzDocs	challan_figures_differ	{'why': "the team's challan is the fact and the case is past the challan on it; its figures are not the case's arithmetic, so the loan amount must be settled by a person before the e-filing, which must carry the challan'
15d ago	EzDocs	desk_document_shared	{'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'DEVENDRA DATTATRAY
15d ago	EzDocs	sro_office_learned	{'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'HAVELI 4 JOINT SUB REGISTRAR', 'district': 'PUNE'}
15d ago	EzDocs	challan_mismatch	{'file': 'DEVENDRA DATTATRAY THORAT EchallanMH011126502202627E.pdf', 'problems': ['consideration (CA) on the challan Rs.6600000 — the loan amount is Rs.6662500']}
15d ago	EzDocs	challan_extracted	{'grn': 'MH011126502202627E', 'file': 'DEVENDRA DATTATRAY THORAT EchallanMH011126502202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 34810.0}
15d ago	EzDocs	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '375538', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed HVL4_
15d ago	SANDEEP	copilot_edit	{'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
15d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': "the typed value is missing
15d ago	the co-pilot	money_check_hold	{'why': 'the papers on this file do not support the figure the challan was about to be a percentage of', 'held': 6662500.0, 'findings': ["Two loans of this borrower on one mortgage: ₹66,62,500 (the loan, LAN HOU/PUN/0926
15d ago	the co-pilot	challan_boxes_from_reading	{'why': "the property row lacked the locality / city / PIN the challan needs; a paper's reading on the case had them", 'took': ['locality from the sanction letter']}
15d ago	EzDocs	challan_boxes_by_rules	{'fp': '6358dd04a3b5b342', 'why': 'box 1 lost a number the case holds (9)'}
15d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': 'The typed box includes loc
15d ago	the co-pilot	money_check_hold	{'why': 'the papers on this file do not support the figure the challan was about to be a percentage of', 'held': 6662500.0, 'findings': ["Two loans of this borrower on one mortgage: ₹66,62,500 (the loan, LAN HOU/PUN/0926
15d ago	the co-pilot	challan_boxes_from_reading	{'why': "the property row lacked the locality / city / PIN the challan needs; a paper's reading on the case had them", 'took': ['locality from the sanction letter']}
15d ago	EzDocs	challan_boxes_by_rules	{'fp': '6358dd04a3b5b342', 'why': 'box 1 lost a number the case holds (9)'}
15d ago	EzDocs	reader_mail_addition	{'fp': 'b15ac300db1a4f36', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True}
15d ago	EzDocs	trail_read	{'why': 'EzDocs 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_asked', 'fee_paid', 'index2_as
15d ago	EzDocs	trail_read	{'why': 'EzDocs 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_asked', 'fee_paid', 'index2_se
15d ago	EzDocs	quoted_history_checked	{}
15d ago	EzDocs	extra_challan_scanned	{'found': 0}
15d 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: HOU/PUN/0926/5219
15d ago	EzDocs	reader_home_address	{'fp': 'c031dfd151fd62f1', 'from': 'the sanction letter (Sanction letter.png)', 'home': {'pin': '411038', 'area': 'NEAR NAVNATH MITRA, MANDAL, PO: EX. SERVICEMAN COLONY', 'flat': 'SR N 120 PLOT NO.62', 'road': 'PAUD ROAD

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

Papers

All 7 in hand

Selfie re-sent — an earlier one was a photo of a print

Money

SHORT — ₹36,700 of ₹36,820.36 received

₹120.36 still to come before the challan.

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

For you to check: Payment SHORT by ₹120.36 (₹36,700 of ₹36,820.36). Money received is short — ₹120.36 still to come. Challan on file does not agree with the case. Open it before paying or sharing. Bank under-collected — money at risk — see Facts.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered