⚠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.
Sagar Vitthalrao Ghangale
LAN HOU/NSK/0926/5212228Loan ₹19,18,000NOIMails & papers 8 2 drafts 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
26 Sep, 12:53
Documents
Payment
Challan
done 29 Sep, 10:00 · GRAS ↗
Filing
took 10d 5h · IGR e-filing ↗
E-filing copy
done 9 Oct, 15:20
Index II
took 21h 14m
doneIndex II shared · the trail says: The branch has sent the loan documents and payment details. The NOI team has generated and shared the challan, and is now waiting for the Index II copy from…whole case so far 17d 11h
Needs your eyes1
1 difference(s) between the papers to look at once — none stops the challan. See them →
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
10 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
IndexII9990810260826.pdf
9 Oct5 things — 1 document received · 1 letter written · 3 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
eFilingDoc9990810260826.pdf
7 Oct33 things — 2 documents received · 1 letter written · 30 steps
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
The branch's title document is on the case — the filing is the NOI team's move
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
file note490
mail against file490 — by ezdocs:reader
documents read together
index2 docno read
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
documents read together
The file seems to show a payment to us but no row could be read — open it
property self check
property from index2
index2 people checked
index2 extra purchaser
property english extracted
index2 people checked
index2 extra purchaser
index2 pan differs
Index II (title document) received from the branch
Received: Index II
index II Sagar Ghangale.pdf
Received: other
image001.jpg
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02515 | HOU/NSK/0926/5212228
An old draft withdrew itself — its asks were already answered
2 Oct2 things — 1 letter written · 1 step
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02515 | HOU/NSK/0926/5212228
An old draft withdrew itself — its asks were already answered
1 Oct1 thing — 1 step
An old draft withdrew itself — its asks were already answered
29 Sep3 things — 1 letter written · 2 steps
case read — by ezdocs:reader
case read started — by ezdocs:reader
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02515 | HOU/NSK/0926/5212228
28 Sep1 thing — 1 step
case read — by ezdocs:reader
27 Sep1 thing — 1 step
case read — by ezdocs:reader
26 Sep48 things — 4 documents received · 4 letters written · 1 money step · 2 cautions · 37 steps
Judged again with today's rules, the challan still does not match the case — a person opens it
Checked: this challan is not another case's
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
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 made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
EzDocs read the whole trail as one conversation — where the case stands is on the page
Received: Challan
SAGAR VITTHALRAO GHANGALE EchallanMH010897033202627E.pdf
copilot edit — by copilot:SANDEEP
EzDocs read the whole trail as one conversation — where the case stands is on the page
paper locate — by ezdocs:reader
copilot check ok — by copilot
copilot check ok — by copilot
case read — by ezdocs:reader
challan boxes composed
reader mail addition — by ezdocs:reader
property self check
quoted history checked
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
boxes gathered
challan boxes by rules
case read — by ezdocs:reader
branch questions drafted
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No: HOU/NSK/0926/5212228 Applicant Name : SAGAR VITTHALRAO GHANGALE.
case read — by ezdocs:reader
documents read together
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
screenshot claim recorded
PAN found inside the KYC file — no need to ask for it
roles from letter
money settled — by ezdocs:reader
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
NOI case NOI-2026-02515
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
applicant email captured
Property address read from the sanction letter
mortgage date unclear
Received: Sanction letter
DOC-20260926-WA0056.pdf
Received: MOTD
image002.jpg
Received: other
image001.jpg
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 needsall in
11 of 11 in hand · the challan is done — these are for the filing / KYC
✓MOTDopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 8 files
The file, as the engine remembers it1 open
The file is for SAGAR VITTHALRAO GHANGALE (Loan No: HOU/NSK/0926/5212228). The sanction letter provides the property details for Flat No 05, 1st Floor, Type A Building No 2, Shankarnagar Co Op Hsg Soc Ltd, Nashik. However, no title papers (Index II or Sale Deed) or valuation reports are on file, mea
○property — title deed held — the branch
?the papers disagree on Loan amount mismatch on challan (the sanction letter: 19,18,000; the paid challan: 9,18,000) — Verify with the branch if they will accept the e-filing with the printed loan amount as Rs. 9,18,000 on the challan since the fees paid are
?the papers disagree on Borrower home address PIN mismatch (the sanction letter: 422011; Sagar's Aadhaar card: 422001) — Confirm the correct PIN code for the Gurukrupa Row House address and use PIN 422011 as printed on the sanction letter.
?unsure of Survey No / CTS No — No paper on the file prints any survey, CTS, plot, or gat number for the mortgaged property.
?unsure of area_value — No paper on the file prints the carpet area of the mortgaged flat.
the branch's last mail (2026-10-07): The branch attached the Index II and asked for the Index II copy.
read once, kept; every new mail and paper is read against this note · kept 2026-10-07T10:00 UTC
Moneyall of it is in
₹17,180.48
Reached our account 26 Sep 12:31:09.
How we know
Our own bank told us — 26 Sep 12:31
₹17,200 · UTR AXNGG26998020622 · from VA-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.17200.00,26-09-2026 12:31:09 thru NEFT from AXNGG26998020622/GOOGLE INDIA DIGITAL . Aval Bal 43839.65 CR Helpline 18001800/18002021-PNB”
Matched by: AMOUNT ALONE — a little over our ask
The working
Stamp duty 0.3%5,760
Registration fee 0.5%9,600
Government handling320
Our service fee1,500
Total we ask for17,180.48
By law ₹17,164. We ask ₹17,180 (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
05, 1st, Shankar Nagar Co-Op. Housing Society Ltd., Building No. 2, Type-A, SURVEY, 438/2+3+4+5, Nashik -2, 422003
read from the Index II · e-filing boxes 31 of 34 ready
Check the property →the boxes beside the paper
People
SAGAR VITTHALRAO GHANGALE · applicantAVXPG4196R
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