⚠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.
Atul Balkrishna Garate
LAN NHL/PNVL/0926/5213126Loan ₹20,60,000NOIMails & papers 10 2 new 1 draft to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
25 Sep, 13:14
Documents
Payment
Challan
done 30 Sep, 15:58 · GRAS ↗
Filing
took 13d 3h · IGR e-filing ↗
E-filing copy
done today 19:10
Index II
waiting 3h
their moveIndex II pending · the trail says: The bank branch has sent the loan documents and the fee has been acknowledged as paid. The NOI team has shared the challan and is waiting for the branch to…whole case so far 18d 8h
Needs your eyes1
₹18,280 is counted on NOI-2026-03063, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
NEXT STEPour move
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.
Historywhat happened on this case, newest first
Today · 13 Oct25 things
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
eFilingDoc9991310260549.pdf
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
file note490
mail against file490 — by ezdocs:reader
half read mail reread
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
file note490
mail against file490 — by ezdocs:reader
half read mail reread
file note490
mail against file490 — by ezdocs:reader
file note490
1 Oct1 thing — 1 step
An old draft withdrew itself — its asks were already answered
30 Sep3 things — 3 steps
This payment is counted on another case too — a person must say whose it is
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
28 Sep1 thing — 1 step
case read — by ezdocs:reader
27 Sep2 things — 2 steps
mail read as shown
case read — by ezdocs:reader
25 Sep62 things — 9 documents received · 4 letters written · 1 caution · 48 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
ATUL BALKRISHNA GARATE EchallanMH010868007202627E.pdf
index2 docno read
EzDocs read the whole trail as one conversation — where the case stands is on the page
case read — by ezdocs:reader
documents read together
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
IMG-20260925-WA0009.jpg
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
quoted history checked
extra challan scanned
branch questions drafted
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
case read — by ezdocs:reader
EzDocs read the whole trail as one conversation — where the case stands is on the page
case read — by ezdocs:reader
boxes gathered
address compared
challan boxes composed
box disagreement
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-02445
claim inside desk buffer
acknowledged with advice
No fee quote sent — the branch's own figures were right
property self check
The payment proof already on the case was applied
property from index2
index2 people checked
property attrs split
documents read together
property self check
property from index2
index2 people checked
index2 pan differs
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
money settled — by ezdocs:reader
roles from letter
kyc address read
Received: PAN card
Pan Card1.pdf
Received: other
image003.jpg
property english extracted
applicant email captured
Property address read from the sanction letter
index2 people checked
index2 extra purchaser
Index II (title document) received from the branch
Payment proof arrived before the case was quoted — held
Received: Sanction letter
Sanction letter (83).pdf
Received: Payment screenshot
IMG-20260925-WA0007.jpg
Received: Index II
Adobe Scan 24 Sept 2026.pdf
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: Aadhaar
Atul Aadhaar.pdf
Received: Selfie — not usable
App Photo.jpg — this is a photograph of a passport-size print, not a live selfie
intake table parsed
property from mail body
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
9 of 9 in hand · the challan is done — these are for the filing / KYC
✓Selfie / photoopen
✓Aadhaar cardopen
✓Sanction letteropen
✓PAN cardopen
✓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 · 10 files
The file, as the engine remembers it1 open
✗the photo could not be read (App Photo.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
?the papers disagree on Co-applicant Yogita Atul Garate not owner (Sanction letter (83).pdf: YOGITA ATUL GARATE is a co-applicant; Adobe Scan 24 Sept 2026.pdf: Index II row 8 (purchasers) lists only ATUL BALKRISHNA GARAT) — Confirm with the branch if Yogita Atul Garate is an owner of the property. If not, proceed without adding her to the Mortgagor page.
?the papers disagree on E-filing area ambiguity (Adobe Scan 24 Sept 2026.pdf: क्षेत्र 399 चौ.फूट. कारपेट 50 टक्के अविभाज्य हिस्सा; Adobe Scan 24 Sept 2026.pdf: 1) 399 चौ. फूट) — Confirm the exact carpet area to be used for the e-filing property page. Currently, 399 Sq.ft. is used as carpet area, assuming it refers to
?unsure of efiling.date_of_mortgage — The Memorandum of Deposit of Title Deeds (MOTD) is missing from the file, which is the source for the date of mortgage.
?unsure of co_applicants[0].pan — No PAN card for Yogita Atul Garate is on file.
the branch's last mail (2026-10-13): The branch attached the selfie photo. · brought: a selfie photo
read once, kept; every new mail and paper is read against this note · kept 2026-10-13T08:31 UTC
Moneyall of it is in
₹18,320.67
Reached our account 30 Sep 15:58:40.
How we know
Our own bank told us — 30 Sep 15:58
₹18,280 · UTR 148058691107 · from JD-HDFCBN-S
“Successful! You have received Rs. 18280.00 via HDFC Bank SmartHub Vyapar from Miss POOJA . RRN-148058691107 , Check: https://1.hdfc.bank.in/HDFCBK/s/oq7E5v4X”
Matched by: AMOUNT ALONE — a little under our ask, inside our buffer · counted full inside our buffer; BUT the screenshot on this case shows another time / transaction id than this credit — an earlier try, or another payment: open the case, compare the screenshot with this SMS, then press Yes or release it
The working
Stamp duty 0.3%6,190
Registration fee 0.5%10,310
Government handling320
Our service fee1,500
Total we ask for18,320.67
By law ₹18,300. We ask ₹18,320 (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
103, 1st, Shiv Heights, PLOT, 181, Kharghar, 410210
read from the Index II · e-filing boxes 33 of 34 ready
Check the property →the boxes beside the paper
People
ATUL BALKRISHNA GARATE · applicantAPDPG5038G
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