Cases / NOI-2026-01176

VIKASH KUMAR GUPTA

LAN HOU/NAG/0626/5134698 Index II shared · done All documents Mails & papers 7

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 needs2 still to come

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

✓Aadhaar cardopen

✓Payment screenshot — shows ₹42,378; money not verified yetopen

✓PAN cardopen

✓Selfie / photoopen

✓Sanction letteropen

✓Sale deedopen

✓LSR (search report) — inside SKM_226i26073119250.pdfopen

A challan that is not the NOI's (the sale deed's own) — not counted — inside SKM_226i26081817421.pdfopen

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

All files (11)A label is wrong? Fix it under All documents.

For you to check

The work is done — our fee of ₹42,410 is still not in our account. Chase the branch for it.
Payment proof is from 2026-07-31 — an old receipt?

MoneyWaiting for the credit

₹42,410

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

₹0 received — the branch’s receipt claims ₹42,378; we wait for the credit itself

Stamp duty 0.3%25,590

Registration fee 0.5%15,000

Government handling320

Our service fee1,500

Total we ask for42,410

Screenshot ₹42,378 — ₹32 under our ask, not below the real calculation ₹42,378. Counts as full. Nothing to ask.

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 payment is from the Vyapar QR (HDFC) at 2026-07-31 — 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 16 Oct 18:08 — 5 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹42,398. We ask ₹42,410 (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 138 h 14 minour time · 3 Sep 17:05

Index II 230 h 46 minour time · 15 Sep 09:38

the NOI team 27 d 14 hthe branch 17 d 22 htotal 45 d 13 h

Complete.

Day by day — every step and who held it

31 Jul 20:15Your branch's mail

18 Aug 18:50Papers from your branch+17 d 22 h · the branch

3 Sep 16:55Papers read+15 d 22 h · the NOI team

3 Sep 16:55Property readat once

3 Sep 16:55Fee quotedat once

3 Sep 16:55Papers readat once

3 Sep 17:05Challan made+10 min · the NOI team

15 Sep 09:38Index II sent+11 d 16 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹85,26,000

Loan account no.

HOU/NAG/0626/5134698

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

Nothing — this case is done

Index II shared with the branch and the case is closed.

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

The NOI filing process is complete, with all required documents shared. No further action is pending from either party.

the history says the next move is with no one — the case is finished — nothing

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 2 (2026-07-31) “We acknowledge the receipt of your mail documents and payment .”

✓ fee paid — the branch's words — done, mail 2 (2026-07-31) “We acknowledge the receipt of your mail documents and payment .”

✓ challan made — done, mail 3 (2026-07-31) “PFA Challan for your reference.”

✓ challan shared — done, mail 3 (2026-07-31) “PFA Challan for your reference.”

✓ Index II asked for — done, mail 2 (2026-07-31) “For noi filing we need index 2 copy.”

✓ Index II / sale deed sent by the branch — done, mail 4 (2026-08-18) “PFA, Registered Sale Deed copy for NOI.”

✓ filed on the IGR site — done, mail 6 (2026-08-22) “PFA DOWNLOADED COPY OF EFILING”

✓ e-filing copy shared — done, mail 6 (2026-08-22) “PFA DOWNLOADED COPY OF EFILING”

✓ NOI Index II shared — done, mail 7 (2026-09-03) “PFA NOI INDEX 2 FOR CASE CLOSURE”

read over 7 mail(s), last mail 2026-09-03 · read 31d 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 here

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.

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 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

NJ nagsen.jambhulkar@phfl.com phfl.com
31 Jul, 20:15 · 77d ago THE APP JOINED HERE — earlier mails are on Gmail

Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA

📎 IMG-20260731-WA0065.jpg ↗📎 IMG-20260731-WA0070.jpg ↗📎 IMG-20260731-WA0063.jpg ↗📎 IMG_20260731_200812.jpg ↗📎 IMG-20260731-WA0071.jpg ↗📎 IMG_20260731_200648.jpg ↗📎 IMG-20260731-WA0062.jpg ↗📎 IMG-20260731-WA0072.jpg ↗📎 IMG-20260731-WA0064.jpg ↗📎 SKM_226i26073119250.pdf ↗

Dear Team,

PFA,

Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA.

Thanks & Regards, 
Nagsen Jambhulkar

Sr. Tean Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2 

Mobile: 9370638343

PHFL Home Loans and Services Limited

🤖 read: asks for the challan, the e-filing copy; documents attached — “Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA.”

4 more mails in between — open

OL The NOI teamTYPED IN GMAIL
31 Jul, 21:40 · 77d 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 index 2 copy.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Fri, 31 Jul 2026 at 20:16, Nagsen Khemchand Jambhulkar <
nagsen.jambhulkar@phfl.com> wrote:

Dear Team,

PFA,
Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA.

Thanks & Regards,
*Nagsen Jambhulkar*

Sr. Tean Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2

Mobile: *9370638343*

*PHFL Home Loans and Services Limited*

*[image: cid:image002.jpg@01D4388E.04228670]*

🤖 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
31 Jul, 22:22 · 77d ago

Team,

PFA Challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Fri, 31 Jul 2026 at 21:40, 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 index 2 copy.

*Regards,*

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

On Fri, 31 Jul 2026 at 20:16, Nagsen Khemchand Jambhulkar <
nagsen.jambhulkar@phfl.com> wrote:

> Dear Team,
>
> PFA,
> Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA.
>
> Thanks & Regards,
> *Nagsen Jambhulkar*
>
> Sr. Tean Leader - Loans
>
> PNB Housing Finance Ltd.,
>
> Direct: 0712-2533460,1,2
>
> Mobile: *9370638343*
>
> *PHFL Home Loans and Services Limited*
>
> *[image: cid:image002.jpg@01D4388E.04228670]*
>

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

NJ nagsen.jambhulkar@phfl.com phfl.com
18 Aug, 18:50 · 59d ago

Re[2]: Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA

📎 SKM_226i26081817421.pdf ↗

Dear Team,

PFA, Registered Sale Deed copy for NOI.

Thanks & Regards, 
Nagsen Jambhulkar

Sr. Team Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2 

Mobile: 9370638343

PHFL Home Loans and Services Limited

earlier mails quoted below

----- Original Message -----

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 07/31/26 22:24

To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Cc: Sandip Bhusari1 (sandip.bhusari1@pnbhousing.com), Ashish Gour (ashish.gour@pnbhousing.com), jitu.meshram (jitu.meshram@phfl.com), Sunil Mishra (sunil.mishra@pnbhousing.com), Bhumeshwar Satpute (bhumeshwar.satpute@pnbhousing.com), Bharati Bhope (bharati.bhope@phfl.com)
Subject: Re: Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA

 Exercise Secured by Check Point

Team,

PFA Challan for your reference.

Regards,
NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Fri, 31 Jul 2026 at 21:40, 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 index 2 copy.

Regards,
NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Fri, 31 Jul 2026 at 20:16, Nagsen Khemchand Jambhulkar <nagsen.jambhulkar@phfl.com> wrote:

Dear Team,

PFA, 
Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR GUPTA.

Thanks & Regards, 
Nagsen Jambhulkar

Sr. Tean Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2 

Mobile: 9370638343

PHFL Home Loans and Services Limited

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
18 Aug, 19:03 · 59d ago

Dear Team

We will process the noi for the same...

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Tue, 18 Aug 2026 at 18:51, Nagsen Khemchand Jambhulkar <
nagsen.jambhulkar@phfl.com> wrote:

Dear Team,

PFA, Registered Sale Deed copy for NOI.

Thanks & Regards,
*Nagsen Jambhulkar*

Sr. Team Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2

Mobile: *9370638343*

*PHFL Home Loans and Services Limited*

*[image: cid:image002.jpg@01D4388E.04228670]*

----- Original Message -----
------------------------------
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 07/31/26 22:24
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Cc: Sandip Bhusari1 (sandip.bhusari1@pnbhousing.com), Ashish Gour (
ashish.gour@pnbhousing.com), jitu.meshram (jitu.meshram@phfl.com), Sunil
Mishra (sunil.mishra@pnbhousing.com), Bhumeshwar Satpute (
bhumeshwar.satpute@pnbhousing.com), Bharati Bhope (bharati.bhope@phfl.com)
Subject: Re: Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR
GUPTA

 Secured by Check Point
Team,

PFA Challan for your reference.

*Regards,*

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

On Fri, 31 Jul 2026 at 21:40, 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 index 2 copy.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974*
>
>
> On Fri, 31 Jul 2026 at 20:16, Nagsen Khemchand Jambhulkar <
> nagsen.jambhulkar@phfl.com> wrote:
>
>> Dear Team,
>>
>> PFA,
>> Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR
>> GUPTA.
>>
>> Thanks & Regards,
>> *Nagsen Jambhulkar*
>>
>> Sr. Tean Leader - Loans
>>
>> PNB Housing Finance Ltd.,
>>
>> Direct: 0712-2533460,1,2
>>
>> Mobile: *9370638343*
>>
>> *PHFL Home Loans and Services Limited*
>>
>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>
>

🤖 read: The team states they will process the NOI.

OL The NOI teamTYPED IN GMAIL
22 Aug, 10:32 · 55d ago

DEAR TEAM,

PFA DOWNLOADED COPY OF EFILING

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 18 Aug 2026 at 19:03, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Dear Team

We will process the noi for the same...

*Regards,*

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

On Tue, 18 Aug 2026 at 18:51, Nagsen Khemchand Jambhulkar <
nagsen.jambhulkar@phfl.com> wrote:

> Dear Team,
>
> PFA, Registered Sale Deed copy for NOI.
>
> Thanks & Regards,
> *Nagsen Jambhulkar*
>
> Sr. Team Leader - Loans
>
> PNB Housing Finance Ltd.,
>
> Direct: 0712-2533460,1,2
>
> Mobile: *9370638343*
>
> *PHFL Home Loans and Services Limited*
>
> *[image: cid:image002.jpg@01D4388E.04228670]*
>
> ----- Original Message -----
> ------------------------------
> From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
> Date: 07/31/26 22:24
> To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
> Cc: Sandip Bhusari1 (sandip.bhusari1@pnbhousing.com), Ashish Gour (
> ashish.gour@pnbhousing.com), jitu.meshram (jitu.meshram@phfl.com), Sunil
> Mishra (sunil.mishra@pnbhousing.com), Bhumeshwar Satpute (
> bhumeshwar.satpute@pnbhousing.com), Bharati Bhope (bharati.bhope@phfl.com
>)
> Subject: Re: Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS
> KUMAR GUPTA
>
> > Secured by Check Point
> Team,
>
> PFA Challan for your reference.
>
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974*
>
>
> On Fri, 31 Jul 2026 at 21:40, 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 index 2 copy.
>>
>> *Regards,*
>>
>> *NOI Coordinator (PNB)*
>> *ThinkBigz*
>> *M:-8097244974*
>>
>>
>> On Fri, 31 Jul 2026 at 20:16, Nagsen Khemchand Jambhulkar <
>> nagsen.jambhulkar@phfl.com> wrote:
>>
>>> Dear Team,
>>>
>>> PFA,
>>> Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR
>>> GUPTA.
>>>
>>> Thanks & Regards,
>>> *Nagsen Jambhulkar*
>>>
>>> Sr. Tean Leader - Loans
>>>
>>> PNB Housing Finance Ltd.,
>>>
>>> Direct: 0712-2533460,1,2
>>>
>>> Mobile: *9370638343*
>>>
>>> *PHFL Home Loans and Services Limited*
>>>
>>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>>
>>

🤖 read: e-filing copy shared ✓ — “PFA DOWNLOADED COPY OF EFILING”

OL The NOI teamTYPED IN GMAIL
03 Sep, 15:53 · 43d ago

TEAM,

PFA NOI INDEX 2 FOR CASE CLOSURE

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Sat, 22 Aug 2026 at 10:32, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

DEAR TEAM,

PFA DOWNLOADED COPY OF EFILING

*Regards,*

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

On Tue, 18 Aug 2026 at 19:03, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Dear Team
>
> We will process the noi for the same...
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Tue, 18 Aug 2026 at 18:51, Nagsen Khemchand Jambhulkar <
> nagsen.jambhulkar@phfl.com> wrote:
>
>> Dear Team,
>>
>> PFA, Registered Sale Deed copy for NOI.
>>
>> Thanks & Regards,
>> *Nagsen Jambhulkar*
>>
>> Sr. Team Leader - Loans
>>
>> PNB Housing Finance Ltd.,
>>
>> Direct: 0712-2533460,1,2
>>
>> Mobile: *9370638343*
>>
>> *PHFL Home Loans and Services Limited*
>>
>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>
>> ----- Original Message -----
>> ------------------------------
>> From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
>> Date: 07/31/26 22:24
>> To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
>> Cc: Sandip Bhusari1 (sandip.bhusari1@pnbhousing.com), Ashish Gour (
>> ashish.gour@pnbhousing.com), jitu.meshram (jitu.meshram@phfl.com),
>> Sunil Mishra (sunil.mishra@pnbhousing.com), Bhumeshwar Satpute (
>> bhumeshwar.satpute@pnbhousing.com), Bharati Bhope (
>> bharati.bhope@phfl.com)
>> Subject: Re: Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS
>> KUMAR GUPTA
>>
>> >> Secured by Check Point
>> Team,
>>
>> PFA Challan for your reference.
>>
>>
>> *Regards,*
>>
>> *NOI Coordinator (PNB)*
>> *ThinkBigz*
>> *M:-8097244974 <(809)%20724-4974>*
>>
>>
>> On Fri, 31 Jul 2026 at 21:40, 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 index 2 copy.
>>>
>>> *Regards,*
>>>
>>> *NOI Coordinator (PNB)*
>>> *ThinkBigz*
>>> *M:-8097244974 <(809)%20724-4974>*
>>>
>>>
>>> On Fri, 31 Jul 2026 at 20:16, Nagsen Khemchand Jambhulkar <
>>> nagsen.jambhulkar@phfl.com> wrote:
>>>
>>>> Dear Team,
>>>>
>>>> PFA,
>>>> Kindly Process for NOI & Challan:- HOU/NAG/0626/5134698/VIKAS KUMAR
>>>> GUPTA.
>>>>
>>>> Thanks & Regards,
>>>> *Nagsen Jambhulkar*
>>>>
>>>> Sr. Tean Leader - Loans
>>>>
>>>> PNB Housing Finance Ltd.,
>>>>
>>>> Direct: 0712-2533460,1,2
>>>>
>>>> Mobile: *9370638343*
>>>>
>>>> *PHFL Home Loans and Services Limited*
>>>>
>>>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>>>
>>>

🤖 read: Index II shared ✓ — “PFA NOI INDEX 2 FOR CASE CLOSURE”

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
Aadhaar card	IMG-20260731-WA0065.jpg	filed	43d ago
Payment screenshot	IMG-20260731-WA0070.jpg	filed	43d ago
Aadhaar card	IMG-20260731-WA0063.jpg	filed	43d ago
PAN card	IMG_20260731_200812.jpg	filed	43d ago
Selfie / photo	IMG-20260731-WA0071.jpg	filed	43d ago
PAN card	IMG_20260731_200648.jpg	filed	43d ago
Aadhaar card	IMG-20260731-WA0062.jpg	filed	43d ago
Selfie / photo	IMG-20260731-WA0072.jpg	filed	43d ago
Aadhaar card	IMG-20260731-WA0064.jpg	filed	43d ago
Sanction letter+ LSR (search report) inside	SKM_226i26073119250.pdf	filed	43d ago
Sale deed+ Other inside+ A challan that is not the NOI's (the sale deed's own) — not counted inside	SKM_226i26081817421.pdf	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
₹42,410

Where it stands
waiting for the credit

Screenshot claims
₹42,378 200011230124

Screenshot ₹42,378 — ₹32 under our ask, not below the real calculation ₹42,378. Counts as full. Nothing to ask.

why?

This payment is from the Vyapar QR (HDFC) at 2026-07-31 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓

Paid at
—

Verified on
not yet

stale_claim:2026-07-31:46d

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹25,590	₹15,000	₹320	₹1,500	₹42,410

By law ₹42,398. We ask ₹42,410 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

28 of 70 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Floor, Title deed no / year / SRO, First name (person 1), Last name (person 1), PAN (person 1) …

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

not verified yetsource: the legal report (SKM_226i26073119250.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)

✓ 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.

PLOT NO 12, SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT, MOUZA GOREWADA, WARD NO 61, KATOL ROAD, Nagpur, MAHARASHTRA, India, 440030

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

SKM_226i26073119250.pdf

as printed
PLOT NO 12 MOUZA GOREWADA, KHASRA NO 31/1 36/1 AND 36/4, SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT NAGPUR, CITY SURVEY NO 31, PH NO 8 A, BHUMAPAN NO 31, GOREWADA, WARD NO 61, NAGPUR, KATOL ROAD, NAGPUR, MAHARASHTRA, INDIA, 440030

PIN
440030

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 12 MOUZA GOREWADA KHASRA NO 31/1 36/1 AND 36/4

Locality/Road
SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT NAGPUR CITY SURVEY NO 31 PH NO 8 A BHUMAPAN NO 31

Area/City
NAGPUR

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			…9201
co_mortgagor			…9141
mortgagor	Vikash Kumar Gupta	BJLPG8942A	…9201
co_mortgagor	Pushpa Kumari	KFBPK9176M	…9141

All mail records (for Abhijit — safe to ignore)

Template	To	When
stale:ack docs balance	nagsen.jambhulkar@phfl.com	43d ago

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

Aadhaar card IMG-20260731-WA0065.jpg needs your check

dob
1991-01-02

name
Vikash Kumar Gupta

legible
True

aadhaar last4
9201

raw reading (for Abhijit)

{'dob': '1991-01-02', 'pan': None, 'name': 'Vikash Kumar Gupta', 'legible': True, 'aadhaar_last4': '9201', 'quality_issue': None}

Payment screenshot IMG-20260731-WA0070.jpg needs your check

utr
200011230124

date
2026-07-31

amount
42378.0

method
UPI

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

payer name
VIKASH KUMAR GUPTA

raw reading (for Abhijit)

{'utr': '200011230124', 'date': '2026-07-31', 'amount': 42378.0, 'method': 'UPI', 'payee_upi': '9892834356-2@okbizaxis', 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': 'VIKASH KUMAR GUPTA', 'debit_notification_text': None}

Aadhaar card IMG-20260731-WA0063.jpg needs your check

dob
1993-12-19

name
Pushpa Kumari

legible
True

aadhaar last4
9141

raw reading (for Abhijit)

{'dob': '1993-12-19', 'pan': None, 'name': 'Pushpa Kumari', 'legible': True, 'aadhaar_last4': '9141', 'quality_issue': None}

PAN card IMG_20260731_200812.jpg needs your check

dob
1993-12-19

pan
KFBPK9176M

name
PUSHPA KUMARI

legible
True

raw reading (for Abhijit)

{'dob': '1993-12-19', 'pan': 'KFBPK9176M', 'name': 'PUSHPA KUMARI', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Selfie / photo IMG-20260731-WA0071.jpg needs your check

kind
live_selfie

legible
True

confidence
0.95

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.95, 'face_visible': True, 'quality_issue': None}

PAN card IMG_20260731_200648.jpg needs your check

dob
1991-01-02

pan
BJLPG8942A

name
VIKASH KUMAR GUPTA

legible
True

raw reading (for Abhijit)

{'dob': '1991-01-02', 'pan': 'BJLPG8942A', 'name': 'VIKASH KUMAR GUPTA', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card IMG-20260731-WA0062.jpg needs your check

legible
True

aadhaar last4
9201

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'legible': True, 'aadhaar_last4': '9201', 'quality_issue': None}

Selfie / photo IMG-20260731-WA0072.jpg needs your check

kind
live_selfie

legible
True

confidence
1.0

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1.0, 'face_visible': True, 'quality_issue': None}

Aadhaar card IMG-20260731-WA0064.jpg needs your check

legible
True

aadhaar last4
9141

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'legible': True, 'aadhaar_last4': '9141', 'quality_issue': None}

Sanction letter SKM_226i26073119250.pdf needs your check

lan
HOU/NAG/0626/5134698

legible
True

loan type
Housing Loan

confidence
1.0

loan amount
8400000

interest rate
8.0

sanction date
23-Jun-2026

letter version
5

applicant names
VIKASH KUMAR GUPTA, PUSHPA KUMARI

applicant mobile
9572083747

property address
pin: 440030; road: KATOL ROAD; state: MAHARASHTRA; taluka: Nagpur; Flat no: PLOT NO 12; district: Nagpur; Address: PLOT NO 12, SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT, MOUZA GOREWADA, WARD NO 61, KATOL ROAD, Nag

insurance premium
126000

includes insurance
True

total with insurance
8526000

security address verbatim
PLOT NO 12 MOUZA GOREWADA, KHASRA NO 31/1 36/1 AND 36/4, SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT NAGPUR, CITY SURVEY NO 31, PH NO 8 A, BHUMAPAN NO 31, GOREWADA, WARD NO 61, Nagpur, KATOL ROAD, Nagpur, MAHARASHTRA, In

raw reading (for Abhijit)

{'lan': 'HOU/NAG/0626/5134698', 'legible': True, 'loan_type': 'Housing Loan', 'confidence': 1.0, 'loan_amount': 8400000, 'interest_rate': 8.0, 'quality_issue': None, 'sanction_date': '23-Jun-2026', 'letter_version': '5', 'applicant_names': ['VIKASH KUMAR GUPTA', 'PUSHPA KUMARI'], 'applicant_mobile': '9572083747', 'property_address': {'pin': '440030', 'road': 'KATOL ROAD', 'state': 'MAHARASHTRA', 'taluka': 'Nagpur', 'flat_no': 'PLOT NO 12', 'district': 'Nagpur', 'floor_no': None, 'landmark': None, 'full_address': 'PLOT NO 12, SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT, MOUZA GOREWADA, WARD NO 61, KATOL ROAD, Nagpur, MAHARASHTRA, India, 440030', 'village_city': 'Nagpur', 'building_name': 'SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT', 'survey_or_cts_no': 'KHASRA NO 31/1 36/1 AND 36/4, CITY SURVEY NO 31, PH NO 8 A, BHUMAPAN NO 31'}, 'insurance_premium': 126000, 'includes_insurance': True, 'total_with_insurance': 8526000, 'security_address_verbatim': 'PLOT NO 12 MOUZA GOREWADA, KHASRA NO 31/1 36/1 AND 36/4, SAWAN SAHAKARI GRUH NIRMAN SANSTHA MARYADIT NAGPUR, CITY SURVEY NO 31, PH NO 8 A, BHUMAPAN NO 31, GOREWADA, WARD NO 61, Nagpur, KATOL ROAD, Nagpur, MAHARASHTRA, India, 440030'}

Sale deed SKM_226i26081817421.pdf needs your check

grn
MH008200921202627E

pin
440013

total
404500.0

defaced
False

bank cin
02400412026081200445

district
NAGPUR

area city
NAGPUR

payer pan
BJLPG8942A, KFBPK9176M

flat block
PLOT NO. 12

payer name
VIKASH KUMAR GUPTA AND PUSHPA KUMARI

sro office
NGP1_HQR SUB REGISTRAR NAGPUR 1

paying bank
CANARA BANK

remarks raw
Second PartyName=AFZAL SADIQUE ANIS-

scheme rows
{'amount': 374500.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 30000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
9572083747

payment date
14/08/2026

inner challan
True

road locality
MOUZA - GOREWADA

second party pan
ADMPA2626B

second party name
AFZAL SADIQUE ANIS

consideration amount
5350000

raw reading (for Abhijit)

{'grn': 'MH008200921202627E', 'pin': '440013', 'total': 404500.0, 'article': None, 'defaced': False, 'bank_cin': '02400412026081200445', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'BJLPG8942A, KFBPK9176M', 'flat_block': 'PLOT NO. 12', 'payer_name': 'VIKASH KUMAR GUPTA AND PUSHPA KUMARI', 'sro_office': 'NGP1_HQR SUB REGISTRAR NAGPUR 1', 'paying_bank': 'CANARA BANK', 'remarks_raw': 'Second PartyName=AFZAL SADIQUE ANIS-', 'scheme_rows': [{'amount': 374500.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 30000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': '9572083747', 'payment_date': '14/08/2026', 'inner_challan': True, 'road_locality': 'MOUZA - GOREWADA', 'second_party_pan': 'ADMPA2626B', 'second_party_name': 'AFZAL SADIQUE ANIS', 'consideration_amount': '5350000'}

Payment screenshot IMG-20260731-WA0070.jpg needs your check

payments inside
bank: State Bank Of India; kind: payment_screenshot; payments: [{'utr': '200011230124', 'date': '2026-07-31', 'page': 1, 'time': '20:00', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 42378.0, 'direction': 'debit',

raw reading (for Abhijit)

{'payments_inside': {'bank': 'State Bank Of India', 'kind': 'payment_screenshot', 'payments': [{'utr': '200011230124', 'date': '2026-07-31', 'page': 1, 'time': '20:00', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 42378.0, 'direction': 'debit', 'narration': 'Bank challan', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '2293', 'account_holder': 'VIKASH KUMAR GUPTA'}}

Technical record (for Abhijit — safe to ignore)

1m ago	EzDocs	reader_efiling_verdict	{'fp': '1fd53ed1b4d1a2bd', 'asked': True, 'findings': [{'do': 'Ask branch for the MOTD or mortgage date.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is required for the filing.', 'page': 'Start page', 'leve
2m ago	EzDocs	reader_mail_addition	{'fp': 'a7951dd7fe6145b8', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True}
1h ago	EzDocs	boxes_gathered	{'how': 'uri', 'why': 'quick sweep', 'docs': ['SKM_226i26081817421.pdf', 'SKM_226i26073119250.pdf', 'IMG-20260731-WA0065.jpg', 'IMG-20260731-WA0063.jpg', 'IMG-20260731-WA0062.jpg', 'IMG-20260731-WA0064.jpg', 'IMG_2026073
1h ago	EzDocs	challan_boxes_by_rules	{'fp': '393e8737be1e2192', 'why': 'a number box 1 carries is written again in box 2 (31)', 'anew': 'first'}
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Second number', 'now': '31/1 36/1 AND 36/4', 'src': 'lsr', 'was': '31, PH NO 8 A, BHUMAPAN NO 31', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Second number', 'now': '31/1, 36/1, 36/4', 'src': 'lsr', 'was': '31, PH NO 8 A, BHUMAPAN NO 31', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr p
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Second number type', 'now': 'KHASRA', 'src': 'lsr', 'was': 'CTS', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr prints this, and the printed words are
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Second number type', 'now': 'KHASRA', 'src': 'lsr', 'was': 'CTS', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr prints this, and the printed words are
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Number', 'now': '12', 'src': 'sale_deed', 'was': '31/1 36/1 AND 36/4', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. sale_deed prints this, a
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Number', 'now': '12', 'src': 'lsr', 'was': '31/1 36/1 AND 36/4', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr prints this, and the print
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Number type', 'now': 'PLOT', 'src': 'sale_deed', 'was': 'KHASRA', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. sale_deed prints this, and the prin
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Number type', 'now': 'PLOT', 'src': 'lsr', 'was': 'KHASRA', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr prints this, and the printed words ar
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.road', 'now': 'Road/Street', 'src': 'sale_deed', 'was': 'KATOL ROAD', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. sale_deed prints this, and the
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Village', 'now': 'GOREWADA', 'src': 'sale_deed', 'was': 'Nagpur', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. sale_deed prints this, and th
1h ago	EzDocs	box_taken_over_by_paper	{'box': 'property.Village', 'now': 'GOREWADA', 'src': 'lsr', 'was': 'Nagpur', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr prints this, and the printed wo
1h ago	EzDocs	pages_trimmed480	{'of': 9, 'why': "a long paper's pages that carry the facts go to EzDocs; the rest (photos, annexures) do not", 'file': 'SKM_226i26081817421.pdf', 'kept': [1, 2, 3, 4, 5, 6, 7, 8], 'doc_id': 'e90c4716-a0e5-446b-bc64-
15d ago	EzDocs	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'IMG-20260731-WA0065.jpg', 'cards': 1, 'doc_id': 'ff67cce4-83e4-4c82-94dc-042862678e0f', 'applied': 0}
15d ago	EzDocs	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'IMG-20260731-WA0063.jpg', 'cards': 1, 'doc_id': 'f6dd6e56-87fa-45b2-97c8-f3bf206bef09', 'applied': 0}
15d ago	EzDocs	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'IMG_20260731_200812.jpg', 'cards': 1, 'doc_id': 'ba96ff59-d8d2-48a4-9142-04d4c91f1662', 'applied': 0}
15d ago	EzDocs	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'IMG_20260731_200648.jpg', 'cards': 1, 'doc_id': 'be4a78ae-0296-4387-9e89-aa350b4b5bc5', 'applied': 0}
15d ago	EzDocs	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'IMG-20260731-WA0062.jpg', 'cards': 1, 'doc_id': 'a0e5fc83-affe-48c9-8e80-828c4a03f353', 'applied': 0}
15d ago	EzDocs	cards_read	{'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'IMG-20260731-WA0064.jpg', 'cards': 1, 'doc_id': 'fbdbba61-bbf9-4502-8cc8-4a301e081c52', 'applied': 0}
31d 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	hidden_payment_scan	{'file': 'IMG-20260731-WA0070.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '46181de9-12b9-435e-8d5b-0db39f636db9', 'fetched': True}
31d 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-20260731-WA0070
31d ago	EzDocs	stale_claim_flagged	{'age_days': 46, 'claim_date': '2026-07-31'}
31d ago	EzDocs	claim_part_duplicate	{'utr': '200011230124', 'date': '2026-07-31', 'parts': 1, 'amount': 42378.0, 'claimed_total': 42378.0}
31d ago	EzDocs	closed_from_desk_words	{'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"}
32d 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':
32d ago	EzDocs	challan_not_ours	{'why': 'the second party is a person (PAN), not the bank', 'file': 'SKM_226i26081817421.pdf', 'note': "this challan is not the NOI's — it does not count as the case's challan and moves nothing", 'inner': True, 'doc_id':

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

Papers

All 6 in hand

Nothing more to ask the branch for

Money

₹42,378 claimed · credit not seen

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

Challan & filing

Done — Index II shared

The case is closed.

Next — whose move

No one

done

For you to check: The work is done — our fee of ₹42,410 is still not in our account. Chase the branch for it. Payment proof is from 2026-07-31 — an old receipt?

Today · 16 Oct13 things

EzDocs checked the e-filing boxes against the papers

23:46

EzDocs took 4 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records

23:45