Cases / NOI-2026-01010

MR. AKSHAY BHARAT KOPPA

LAN NHL/SOL/0726/5175175 Index II pending · with the government Send the draft 2 All documents Mails & papers 4

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).

What the e-filing still needs1 still to come

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

✓Sanction letteropen

✓Payment screenshot — shows ₹31,881; money not verified yetopen

✓Aadhaar card — inside Koppa NOI .pdfopen

✓PAN card — inside Koppa NOI .pdfopen

✓Index II — inside Koppa NOI .pdfopen

✓Selfie / photo — inside Koppa NOI .pdfopen

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

All files (2)A label is wrong? Fix it under All documents.

For you to check

The work is done — our fee of ₹31,910 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹31,910

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

₹0 received — the branch’s receipt claims ₹31,881; we wait for the credit itself

Stamp duty 0.3%15,090

Registration fee 0.5%15,000

Government handling320

Our service fee1,500

Total we ask for31,910

Screenshot ₹31,881 — ₹29 under our ask, not below the real calculation ₹31,881. Counts as full. Nothing to ask.

why?

The branch paid the bank's own written total. 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 payment is from the Vyapar QR (HDFC) at 2026-08-24 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓

This money went to the HDFC Vyapar QR on the Samsung (ThinkBigz). That ear is working (last reached us 15 Oct 19:18 — 3 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹31,901. We ask ₹31,910 (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 ₹31,881 — accept as full (₹29 = our margin).

BANK'S TABLE — INSIDE OUR BUFFER

Bank table ₹31,881. We ask ₹31,910. Difference ₹29 — OK (our margin). Accept ₹31,881 as full. Nothing to collect.

Their own rows add to ₹1,67,381, their total says ₹31,881 — a ₹1,35,500 slip in their sheet. Not ours to fix.

why?

Their DHC is ₹300 on the sheet, ours ₹320 (Avinash's policy margin); their rows are rounded. By the Koli ruling (3 Sep) a total inside ₹60 / 0.25% of our ask is paid in full.

the branch's own words

The branch's mail said: stamp duty (0.30%): bank says Rs.150,581, computed Rs.15,081 (difference Rs.135,500); the bank's own rows sum to Rs.167,381 but its total says Rs.31,881

The money may already be here — 1 credit(s) our bank showed us that no case has taken

Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 90 h 36 minour time · 3 Sep 18:53

Index II —not yet

the NOI team 10 dthe SRO 42 d 3 htotal 52 d 4 h so far

Now with the SRO — waiting for the SRO's Index II

since 3 Sep 18:53 — 42 d 3 h of working time

Day by day — every step and who held it

24 Aug 18:17Your branch's mail

2 Sep 03:38Fee quoted+8 d 9 h · the NOI team

2 Sep 03:38Papers readat once

2 Sep 03:38Property readat once

2 Sep 03:38Papers readat once

3 Sep 18:53Challan made+1 d 15 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹50,27,000

Loan account no.

NHL/SOL/0726/5175175

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

Send the Index II when it arrives

The e-filing copy is with the branch. This case closes when the government's Index II is shared.

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

The NOI has been successfully filed and the e-filing copy shared with the branch. The case is now awaiting the final Index II from the government.

the history says the next move is with the government — the government's Index II

the branch last asked: Kindly process challan in below 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 (2026-08-24) “*Sanction Letter attached *Applicant and Aadhar Card attached *Applicant and Pan Card attached *Index II Copy Attached *Soft copy of Photograph attached *Paymen”

✓ fee paid — the branch's words — done, mail 1 (2026-08-24) “Payment details attached”

✓ challan made — done, mail 3 (2026-08-24) “PFA challan for your reference.”

✓ challan shared — done, mail 3 (2026-08-24) “PFA challan for your reference.”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-08-24) “Index II Copy Attached”

✓ filed on the IGR site — done, mail 4 (2026-08-27) “PFA DOWNLOADED COPY OF EFILING”

✓ e-filing copy shared — done, mail 4 (2026-08-27) “PFA DOWNLOADED COPY OF EFILING”

read over 4 mail(s), last mail 2026-08-27 · read 30d 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 has not checked these boxes against the document yet — it does within five minutes of a reading.

2File the NOI on the IGR site, then tell the branch

then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.

3Send the downloaded e-filing copy

When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.

DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt

4Bank approval snip (Sammaan & Hinduja only)

These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.

No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.

Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.

Filing record (attempts, GRN, token)

Attempt	GRN	Token	Status	Submitted
no filing yet

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. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by EzDocs, not sent

Kindly process challan in below case -MR. AKSHAY BHARAT KOPPA -NHL/SOL/0726/5175175

how it will look to the branch

Dear Team,

Please check the calculation and account details for the captioned case (LAN: NHL/SOL/0726/5175175).

NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount : Rs. 50,27,000

------------------------------------------------------

Stamp Duty 0.30%Rs. 15,090

Registration Fees 0.50%Rs. 15,000

Govt. Document Handling ChargesRs. 320

Service Fees for NOI FilingRs. 1,500

------------------------------------------------------
TOTAL AMOUNT PAYABLE : Rs. 31,910

Kindly remit and share the payment screenshot with UTR on this same thread. We begin the challan as soon as the credit is confirmed in our account.

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.

DRAFT — written by EzDocs, not sent

Kindly process challan in below case -MR. AKSHAY BHARAT KOPPA -NHL/SOL/0726/5175175

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents for the captioned case (LAN: NHL/SOL/0726/5175175).

ApplicantMR. AKSHAY BHARAT KOPPA

LANNHL/SOL/0726/5175175

Loan AmtRs. 50,27,000

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Applicant's Selfie / Photo, Index II copy / Title document, Payment Screenshot with UTR, Sanction Letter

Your payment advice for Rs. 31,881 (UTR 128435293481) is noted. We are confirming the credit in our account and will begin the challan the moment it reflects — usually the same working day. We note the advice is for less than the total of Rs. 31,910 for this case — kindly confirm the amount transferred.

Once the credit is confirmed nothing further is required from your end, and we will share the paid challan on this same thread.

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 thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.

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

AJ akash.jadhav2@phfl.com phfl.com
24 Aug, 18:17 · 52d ago THE APP JOINED HERE — earlier mails are on Gmail

Kindly process challan in below case -MR. AKSHAY BHARAT KOPPA -NHL/SOL/0726/5175175

📎 Koppa NOI .pdf ↗📎 IMG-20260824-WA0044.jpg ↗

Dear Team,

Kindly process challan in below case.

Customer nameMR. AKSHAY BHARAT KOPPA

Loan account (LAN)NHL/SOL/0726/5175175

Loan amount₹50,27,000

Stamp duty 0.30%₹1,50,581

Registration fee 0.50%₹15,000

Service / vendor fees₹1,800

Total₹31,881

✓ Sanction Letter — attached
✓ Applicant and Aadhar Card — attached
✓ Applicant and Pan Card — attached
✓ Index II Copy — attached
✓ Soft copy of Photograph — attached
✓ Payment details — attached

Note: - Kindly Check PDF all Pages./- /- /- /- /- /- Thanks & Regards Akash Jadhav Channel Manager – Loans PNB Housing Finance Ltd.

Solapur Mobile No - 8600976294

🤖 read: asks for the challan; documents attached — “Kindly process challan in below case.”

OL The NOI teamTYPED IN GMAIL
24 Aug, 19:21 · 52d ago

Team,We acknowledge the receipt of your mail documents and payment.

We will initiate the challan for the same.

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

earlier mails quoted below

On Mon, 24 Aug 2026 at 18:17, Akash Babu Jadhav2 < akash.jadhav2@phfl.com > wrote: 
 Dear Team, Kindly process challan in below case. Note: - Kindly Check PDF all Pages. Customer Name MR. AKSHAY BHARAT KOPPA Lan No NHL/SOL/0726/5175175 Loan Amount 5027000/- LOAN AMOUNT 5027000/- 0.3% 150581/- 0.5% 15000/- FEES 1800/- TOTAL 31881/- *Sanction Letter attached *Applicant and Aadhar Card attached *Applicant and Pan Card attached *Index II Copy Attached *Soft copy of Photograph attached *Payment details attached Thanks & Regards Akash Jadhav Channel Manager – Loans PNB Housing Finance Ltd. Solapur ​ Mobile No - 8600976294 ​

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

OL The NOI teamTYPED IN GMAIL
24 Aug, 19:53 · 52d ago

Team,PFA challan for your reference.

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

earlier mails quoted below

On Mon, 24 Aug 2026 at 19:21, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Mon, 24 Aug 2026 at 18:17, Akash Babu Jadhav2 < akash.jadhav2@phfl.com > wrote: 
 Dear Team, Kindly process challan in below case. Note: - Kindly Check PDF all Pages. Customer Name MR. AKSHAY BHARAT KOPPA Lan No NHL/SOL/0726/5175175 Loan Amount 5027000/- LOAN AMOUNT 5027000/- 0.3% 150581/- 0.5% 15000/- FEES 1800/- TOTAL 31881/- *Sanction Letter attached *Applicant and Aadhar Card attached *Applicant and Pan Card attached *Index II Copy Attached *Soft copy of Photograph attached *Payment details attached Thanks & Regards Akash Jadhav Channel Manager – Loans PNB Housing Finance Ltd. Solapur ​ Mobile No - 8600976294 ​ 

Team,
PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Mon, 24 Aug 2026 at 19:21, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

Team,

We acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Mon, 24 Aug 2026 at 18:17, Akash Babu Jadhav2 <akash.jadhav2@phfl.com>
wrote:

> Dear Team,
>
> Kindly process challan in below case.
> Note: - Kindly Check PDF all Pages.
>
> *Customer Name*
> MR. AKSHAY BHARAT KOPPA
>
> *Lan No*
> NHL/SOL/0726/5175175
>
> *Loan Amount*
> 5027000/-
>
>
>
>
> *LOAN AMOUNT*
> 5027000/-
>
> *0.3%*
> 150581/-
> *0.5%*
> 15000/-
> *FEES*
>
> 1800/-
>
> *TOTAL*
> 31881/-
>
>
>
> **Sanction Letter*
>
> attached
>
> **Applicant and Aadhar Card*
>
> attached
>
> **Applicant and Pan Card*
>
> attached
>
> **Index II Copy*
>
> Attached
>
> **Soft copy of Photograph*
>
> attached
>
> **Payment details*
>
> attached
>
>
>
> Thanks & Regards
> Akash Jadhav
> Channel Manager – Loans
> PNB Housing Finance Ltd.
> Solapur
> ​Mobile No - 8600976294
> ​
>
>

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

OL The NOI teamTYPED IN GMAIL
27 Aug, 12:02 · 49d ago

DEAR TEAM,

PFA DOWNLOADED COPY OF EFILING

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

earlier mails quoted below

On Mon, 24 Aug 2026 at 19:53, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, PFA challan for your reference. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Mon, 24 Aug 2026 at 19:21, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Mon, 24 Aug 2026 at 18:17, Akash Babu Jadhav2 < akash.jadhav2@phfl.com > wrote: 
 Dear Team, Kindly process challan in below case. Note: - Kindly Check PDF all Pages. Customer Name MR. AKSHAY BHARAT KOPPA Lan No NHL/SOL/0726/5175175 Loan Amount 5027000/- LOAN AMOUNT 5027000/- 0.3% 150581/- 0.5% 15000/- FEES 1800/- TOTAL 31881/- *Sanction Letter attached *Applicant and Aadhar Card attached *Applicant and Pan Card attached *Index II Copy Attached *Soft copy of Photograph attached *Payment details attached Thanks & Regards Akash Jadhav Channel Manager – Loans PNB Housing Finance Ltd. Solapur ​ Mobile No - 8600976294 ​ 

DEAR TEAM,

PFA DOWNLOADED COPY OF EFILING

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Mon, 24 Aug 2026 at 19:53, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

Team,
PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*

On Mon, 24 Aug 2026 at 19:21, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Team,
>
> We acknowledge the receipt of your mail documents and payment. We will
> initiate the challan for the same.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974*
>
>
> On Mon, 24 Aug 2026 at 18:17, Akash Babu Jadhav2 <akash.jadhav2@phfl.com>
> wrote:
>
>> Dear Team,
>>
>> Kindly process challan in below case.
>> Note: - Kindly Check PDF all Pages.
>>
>> *Customer Name*
>> MR. AKSHAY BHARAT KOPPA
>>
>> *Lan No*
>> NHL/SOL/0726/5175175
>>
>> *Loan Amount*
>> 5027000/-
>>
>>
>>
>>
>> *LOAN AMOUNT*
>> 5027000/-
>>
>> *0.3%*
>> 150581/-
>> *0.5%*
>> 15000/-
>> *FEES*
>>
>> 1800/-
>>
>> *TOTAL*
>> 31881/-
>>
>>
>>
>> **Sanction Letter*
>>
>> attached
>>
>> **Applicant and Aadhar Card*
>>
>> attached
>>
>> **Applicant and Pan Card*
>>
>> attached
>>
>> **Index II Copy*
>>
>> Attached
>>
>> **Soft copy of Photograph*
>>
>> attached
>>
>> **Payment details*
>>
>> attached
>>
>>
>>
>> Thanks & Regards
>> Akash Jadhav
>> Channel Manager – Loans
>> PNB Housing Finance Ltd.
>> Solapur
>> ​Mobile No - 8600976294
>> ​
>>
>>

🤖 read: NOI filed on IGR ✓; e-filing copy shared ✓ — “PFA DOWNLOADED COPY OF EFILING”

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

Document	File — click to open	Status	When
Sanction letter+ Aadhaar card inside+ PAN card inside+ Index II inside+ Selfie / photo inside	Koppa NOI .pdf	filed	43d ago
Payment screenshot	IMG-20260824-WA0044.jpg	filed	43d 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
₹31,910

Where it stands
waiting for the credit

Screenshot claims
₹31,881 128435293481

Screenshot ₹31,881 — ₹29 under our ask, not below the real calculation ₹31,881. Counts as full. Nothing to ask.

why?

This payment is from the Vyapar QR (HDFC) at 2026-08-24 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹15,090	₹15,000	₹320	₹1,500	₹31,910

By law ₹31,901. We ask ₹31,910 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

Challan: 11 of 13 boxes on the caseOpen the verification page →

Empty: Payer PAN, Payer mobile (the receipt SMS goes here)

The e-filing’s boxes (7 of 23 ready) come up once the challan is paid.

EzDocs has not checked these boxes against the document yet — it does within five minutes of a reading.

not verified yetsource: the Index II (Koppa NOI.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)

✓ in the document

Flat / shop no

✓ in the document

Floor

empty

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

✓ in the document

Area (sq.mt, carpet)

empty

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.

PLOT NO 5, CS NO 209, SAHAKARI SANSTHA, ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, Tuljapur, Osmanabad, MAHARASHTRA, 413601

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

Koppa NOI .pdf

as printed
., PLOT NO 5 CS NO 209,., SAHAKARI SANSTHA,., ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, OSMANABAD, TULJAPUR, OSMANABAD, MAHARASHTRA, INDIA, 413601

PIN
413601

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 5 CS NO 209 SAHAKARI SANSTHA ABHIYANTA BANDHKAM GRUHNIRMAN OSMANADAB OSMANABAD TULJAPUR

Locality/Road
MAHARASHTRA

Area/City
OSMANABAD

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
none extracted yet

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
fee quote	akash.jadhav2@phfl.com	43d ago
documents acknowledged	akash.jadhav2@phfl.com	43d ago

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

Sanction letter Koppa NOI .pdf needs your check

lan
NHL/SOL/0726/5175175

legible
True

loan type
Non Housing Loan, Business Purpose

confidence
1

loan amount
4880000

interest rate
9.5

sanction date
19-Aug-2026

letter version
4

applicant names
AKSHAY BHARAT KOPPA, RESHMA BHARAT KOPPA

property address
pin: 413601; state: MAHARASHTRA; Flat no: PLOT NO 5; district: Osmanabad; Address: PLOT NO 5, CS NO 209, SAHAKARI SANSTHA, ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, Tuljapur, Osmanabad, MAHARASHTRA

insurance premium
147000

includes insurance
True

total with insurance
5027000

security address verbatim
., PLOT NO 5 CS NO 209,., SAHAKARI SANSTHA,., ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, Osmanabad, TULJAPUR, Osmanabad, MAHARASHTRA, India, 413601

raw reading (for Abhijit)

{'lan': 'NHL/SOL/0726/5175175', 'legible': True, 'loan_type': 'Non Housing Loan, Business Purpose', 'confidence': 1, 'loan_amount': 4880000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '19-Aug-2026', 'letter_version': '4', 'applicant_names': ['AKSHAY BHARAT KOPPA', 'RESHMA BHARAT KOPPA'], 'applicant_mobile': None, 'property_address': {'pin': '413601', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'PLOT NO 5', 'district': 'Osmanabad', 'floor_no': None, 'landmark': None, 'full_address': 'PLOT NO 5, CS NO 209, SAHAKARI SANSTHA, ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, Tuljapur, Osmanabad, MAHARASHTRA, 413601', 'village_city': 'TULJAPUR', 'building_name': 'SAHAKARI SANSTHA, ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA', 'survey_or_cts_no': 'CS NO 209'}, 'insurance_premium': 147000, 'includes_insurance': True, 'total_with_insurance': 5027000, 'security_address_verbatim': '., PLOT NO 5 CS NO 209,., SAHAKARI SANSTHA,., ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, Osmanabad, TULJAPUR, Osmanabad, MAHARASHTRA, India, 413601'}

Payment screenshot IMG-20260824-WA0044.jpg needs your check

utr
128435293481

date
2026-08-24

amount
31881

method
Google Pay

payee upi
vyapar.169705262080@hdfcbank

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
MAHESH SHAM JADHAV

raw reading (for Abhijit)

{'utr': '128435293481', 'date': '2026-08-24', 'amount': 31881, 'method': 'Google Pay', 'payee_upi': 'vyapar.169705262080@hdfcbank', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'MAHESH SHAM JADHAV', 'debit_notification_text': None}

Payment screenshot IMG-20260824-WA0044.jpg needs your check

payments inside
bank: HDFC Bank; kind: payment_screenshot; payments: [{'utr': '128435293481', 'date': '2026-08-24', 'page': None, 'time': '17:18', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 31881.0, 'direction': 'debit', 'narra

raw reading (for Abhijit)

{'payments_inside': {'bank': 'HDFC Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '128435293481', 'date': '2026-08-24', 'page': None, 'time': '17:18', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 31881.0, 'direction': 'debit', 'narration': 'To: THINK BIGZ INITIATIVE PVT LTD vyapar.169705262080@hdfcbank From: MAHESH SHAM JADHAV (HDFC Bank) Google Pay maheshjadhav51549@okhdfcbank Google transaction ID CICAgLi735H-Hg', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '4952', 'account_holder': 'MAHESH SHAM JADHAV'}}

Technical record (for Abhijit — safe to ignore)

48m ago	EzDocs	reader_mail_addition	{'fp': '6215a49bea6cfb06', 'add': {}, 'why': "The paper's address is in Osmanabad, while the mail is from Solapur. The mail does not provide any property details to confirm if it refers to the same property.", 'asked': T
28d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260824-WA0044.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '05e4c9c4-1e19-42ce-9fba-0872224474b9', 'fetched': True}
28d ago	EzDocs	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260824-WA0044
28d ago	EzDocs	claim_part_duplicate	{'utr': '128435293481', 'date': '2026-08-24', 'parts': 1, 'amount': 31881.0, 'claimed_total': 31881.0}
30d ago	EzDocs	trail_read	{'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_
31d ago	EzDocs	efiling_found_on_case	{'now': 'AWAITING_INDEX2', 'was': 'CHALLAN_PAID', 'why': 'the paper is the fact and the stage follows it — the case was standing at an earlier step than the people working it. The money is untouched by this.', 'trigger':
31d ago	EzDocs	property_attrs_split	{'now': {'Number type': 'CTS', 'Second number type': '', 'Number': '209', 'Second number': ''}, 'was': {'Number type': 'CTS', 'Second number type': '', 'Number': 'CS NO 209', 'Second number': ''}, 'why': "the number boxes hold the t
31d ago	EzDocs	property_attrs_split	{'now': {'Number type': 'CTS', 'Number': 'CS NO 209'}, 'was': {'Number type': 'SURVEY/CTS', 'Second number type': '', 'Number': 'CS NO 209', 'Second number': ''}, 'why': "the number boxes hold the type word once and the ba
42d ago	EzDocs	extra_challan_scanned	{'found': 0}
42d ago	EzDocs	stage_follows_desk_challan_mail	{'now': 'CHALLAN_PAID', 'why': 'we sent the challan on this thread and no branch mail came after it to trigger the usual re-read'}
42d ago	EzDocs	challan_inferred_from_desk_mail	{'why': "we's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread; the stage follows we's deed"}
43d ago	EzDocs	email_shadowed:ack_docs	{'to': 'akash.jadhav2@phfl.com', 'body': "Dear Team,\n\nWe acknowledge receipt of your documents for the captioned case (LAN: NHL/SOL/0726/5175175).\n\n Applicant : MR. AKSHAY BHARAT KOPPA\n LAN : NHL/SOL/0726/51
43d ago	EzDocs	claim_matches_bank_sheet	{'why': "the branch paid its own sheet's total — accepted desk practice; the few rupees of rounding are not a shortfall", 'claimed': 31881.0, 'our_ask': 31910.0, 'bank_total': 31881.0}
43d ago	EzDocs	email_shadowed:fee_quote	{'to': 'akash.jadhav2@phfl.com', 'body': 'Dear Team,\n\nPlease check the calculation and account details for the captioned case (LAN: NHL/SOL/0726/5175175).\n\n NOI Charges & Service Fees Calculator - Nestly.in\n Loan
43d ago	EzDocs	claim_applied_on_quote	{'utr': '128435293481', 'parts': 1, 'claimed_total': 31881.0}
43d ago	EzDocs	receivable_created	{'expected': 31910.0}
43d ago	EzDocs	fee_notes	{'notes': ["total payable: bank says Rs.31,881, computed Rs.31,901 (difference Rs.-20) — desk DHC floor Rs.320 vs the Rs.300 on the bank's sheet — Rs.20 policy margin (gateway charges), not a bank error", "bank sheet sti
43d ago	EzDocs	fee_mismatch_with_bank	{'differences': ['stamp duty (0.30%): bank says Rs.150,581, computed Rs.15,081 (difference Rs.135,500)', "the bank's own rows sum to Rs.167,381 but its total says Rs.31,881"]}
43d ago	EzDocs	claim_held_until_quote	{'utr': '128435293481', 'why': 'payment proof arrived before the case was quoted; held on the case and applied the moment the receivable exists', 'date': '2026-08-24', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount':
43d ago	EzDocs	document_received	{'file': 'IMG-20260824-WA0044.jpg', 'doc_type': 'payment_screenshot', 'confidence': 1.0}
43d ago	EzDocs	property_address_extracted	{'confidence': 1, 'Address': 'PLOT NO 5, CS NO 209, SAHAKARI SANSTHA, ABHIYANTA BANDHKAM GRUHNIRMAN, OSMANADAB, SAHAKARI SANSTHA, Tuljapur, Osmanabad, MAHARASHTRA, 413601'}
43d ago	EzDocs	document_received	{'file': 'Koppa NOI.pdf', 'doc_type': 'sanction_letter', 'confidence': 1.0, 'also_inside': ['aadhaar', 'pan', 'index2', 'selfie']}
43d ago	EzDocs	amount_set_from_mail_instruction	{'now': 5027000.0, 'was': None, 'phrase': 'Loan Amount 5027000/-'}
43d ago	EzDocs	mail_instruction_understood	{'amount': 5027000.0, 'phrase': 'Loan Amount 5027000/-', 'reason': None, 'instructions': [], 'urgent_disbursement': False}
43d ago	EzDocs	branch_manifest_read	{'declared': {'pan': True, 'selfie': True, 'aadhaar': True, 'title_doc': True, 'sanction_letter': True, 'payment_screenshot': True}}
43d ago	EzDocs	name_from_subject	{'name': 'MR. AKSHAY BHARAT KOPPA'}
43d ago	EzDocs	case_created	{'lan': 'NHL/SOL/0726/5175175', 'bank': 'PNB_HFL', 'thread_id': '1a033cfc458800c5'}

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

Papers

All 2 in hand

Nothing more to ask the branch for

Money

₹31,881 claimed · credit not seen

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

Challan & filing

Index II pending

Waiting on the government.

Next — whose move

The government

Index II

For you to check: The work is done — our fee of ₹31,910 is still not in our account. Chase the branch for it.

Today · 15 Oct1 thing

EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records