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Cases / NOI-2026-02445

Atul Balkrishna Garate

PNB_HFLLAN NHL/PNVL/0926/5213126 Index II pending · with the government All documentsMails & papers 10
Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needsall in
9 of 9 in hand.
the challan is done — these are for the IGR filing / KYC
✓Selfie / photoopen
✓Aadhaar cardopen
✓Index II — the branch's own title copy, an input; the address was read from itopen
✓Payment screenshot — money verifiedopen
✓Sanction letteropen
✓PAN cardopen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
All files (10)A label is wrong? Fix it under All documents.
a file on the mail that is not here — every mail of this case is walked again, what lands is read at once
MoneyAll of it is in
₹18,320.67CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹18,280 receivedby the amount alone
Stamp duty 0.3%6,190
Registration fee 0.5%10,310
Government handling320
Our service fee1,500.67
Total we ask for18,320.67
the branch’s receipt claims ₹18,280 626832248105
paid 30 Sep 15:58:40 · verified 30 Sep 15:58:42 · 1 s later
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
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.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 2 h 30 minour time · 25 Sep 15:45
Index II —not yet
the NOI team 13 d 5 hthe branch 5 dthe SRO 1 d 22 htotal 20 d 4 h so far
Now with the SRO — waiting for the SRO's Index II
since 13 Oct 19:05 — 1 d 22 h of working time
Day by day — every step and who held it
25 Sep 13:14Your branch's mail
25 Sep 13:14Papers readat once
25 Sep 13:14Property readat once
25 Sep 13:14Papers readat once
25 Sep 13:15Fee quotedat once
25 Sep 15:20Papers read+2 h 06 min · the NOI team
25 Sep 15:21Papers from your branch+1 min · the branch
25 Sep 15:45Challan made+24 min · the NOI team
30 Sep 15:58Payment landed+5 d · the branch
30 Sep 15:58Payment verifiedat once
13 Oct 19:05Filed on IGR — e-filing shared+13 d 3 h · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹20,60,000
Loan account no.
NHL/PNVL/0926/5213126
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
✓ The papers agree — compared: the sanction letter, the Index II, the branch's mail. No number of the property and no name differs.

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

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 provide live colour selfie photos for further processing.
the history says the next move is with the branch — live colour selfie photos
✓ loan papers sent — done, mail 1 (2026-09-25) “Document and Receipt attached for your reference.”
✓ fee paid — the branch's words — done, mail 3 (2026-09-25) “We acknowledge the receipt of your mail documents and payment.”
⏳ challan made — promised, mail 3 (2026-09-25) “We will initiate the challan for the same.”
✓ challan shared — done, mail 5 (2026-09-25) “PFA CHALLAN FOR A REFERENCE”
read over 5 mail(s), last mail 2026-09-25 · read 20d 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 checked every box against the document’s own words 20d ago — all agree.

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 1026133316929 · ₹300 · paid 13/10/2026 — read off the filed notice
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)
AttemptGRNTokenStatusSubmitted
#1 principal MH010868007202627E— 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.

Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once

the money goes back to unverified and the case leaves the challan queue
the address goes back to unverified — no challan is made until it is checked again
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
AM abdulrafique.mansuri@phfl.com phfl.com
25 Sep, 13:14 · 20d ago THE FIRST MAIL — how this case began
Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
Dear Team,

Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126

Document and Receipt attached for your reference.

Loan amount including insurance₹20,60,000

Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210

Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​
🤖 read: asks for the challan; documents attached — “Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126”
7 more mails in between — open
OL The NOI teamTYPED IN GMAIL
25 Sep, 14:50 · 20d ago
Dear Team

We

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below
On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com> wrote: Dear Team, Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Document and Receipt attached for your reference. Loan amount including insurance –20,60,000 Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13 <https://www.google.com/maps/search/NO+181,+SECTOR+13?entry=gmail&source=g>, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 <(865)%20219-8509> ​
🤖 read: The sender has sent a blank email.
OL The NOI teamTYPED IN GMAIL
25 Sep, 14:53 · 20d ago
Dear Team

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

initiate the challan for the same. for noi filing we need live colour

selfie photos.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974 <(809)%20724-4974>*

earlier mails quoted below
On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com> wrote: Dear Team, Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Document and Receipt attached for your reference. Loan amount including insurance –20,60,000 Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13 <https://www.google.com/maps/search/NO+181,+SECTOR+13?entry=gmail&source=g>, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 <(865)%20219-8509> ​
🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”
AM abdulrafique.mansuri@phfl.com phfl.com
25 Sep, 15:21 · 20d ago
Re[2]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
Dear Team,

kindly attached the selfie photo

Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​
earlier mails quoted below
From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 14:54 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point Dear Team We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same. for noi filing we need live colour selfie photos. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Document and Receipt attached for your reference. Loan amount including insurance –20,60,000 Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​
🤖 read: The branch asks for a selfie photo.
OL The NOI teamTYPED IN GMAIL
25 Sep, 15:47 · 20d ago

TEAM

PFA CHALLAN FOR A REFERENCE

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below
On Fri, 25 Sept 2026 at 15:20, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com> wrote: Dear Team, kindly attached the selfie photo ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 <(865)%20219-8509> ​ ----- Original Message ----- ------------------------------ From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 14:54 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush ( nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale ( aniket.washivale@phfl.com), Harshada Arun Kashid ( harshada.kashid@pnbhousing.com) Subject: Re: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Secured by Check Point Dear Team We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same. for noi filing we need live colour selfie photos. *Regards,* *NOI Coordinator (PNB)* *ThinkBigz* *M:-8097244974 <(809)%20724-4974>* On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com> wrote: > > Dear Team, > > Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA > GARATE - NHL/PNVL/0926/5213126 > > Document and Receipt attached for your reference. > > Loan amount including insurance –20,60,000 > > Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13 > <https://protect.checkpoint.com/v2/r05/___https://www.google.com/maps/search/NO+181,+SECTOR+13?entry=gmail&source=g___.YXBzMTpwbmJob3VzaW5nOmM6bzo4NzEyYTg5ZWNjOTE1YjJhY2I5MDA3NjBmNzQxMWRmMjo3OjUzYTI6MTg0NzM5MTI1Njc1YmMwOGFmZjVhN2Y2YmI0ZTQ5Mjc3NjY3ZjU1ZDAyNTc1YmY5M2JkMzg1M2MwYjhjYjY4NjpoOlQ6Rg>, > OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 > > ​ > ​ > ​​ > > Thanks & Regards, > > Abdulrafique Mansuri > > Channel Manager - Panvel > > Mobile: 8652198509 <(865)%20219-8509> > > ​ > >
🤖 read: challan shared ✓ — “PFA CHALLAN FOR A REFERENCE”
AM abdulrafique.mansuri@phfl.com phfl.com
13 Oct, 11:37 · 2d ago
Re[4]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
Dear Team,

kindly share NOI index 2

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)

Date: 09/25/26 15:49

To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com)

Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com)

Subject:Re: Re[2]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
ExerciseSecured by Check Point

TEAM

PFA CHALLAN FOR A REFERENCE

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Fri, 25 Sept 2026 at 15:20, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly attached the selfie photo ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​ From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 14:54 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Kindly Initiate 0.3% & NOI Ch
🤖 read: asks for the Index II — “kindly share NOI index 2”
OL The NOI teamTYPED IN GMAIL
13 Oct, 12:05 · 2d ago

Team

Kindly share live color selfie photo for noi prosess

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 13 Oct 2026 at 11:36, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly share NOI index 2 From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 15:49 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Re[2]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point TEAM PFA CHALLAN FOR A REFERENCE Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 15:20, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly attached the selfie photo ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​ From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 14:54 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point Dear Team We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same. for noi filing we need live colour selfie photos. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Document and Receipt attached for your reference. Loan amount including insurance –20,60,000 Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​
🤖 read: asks the branch for documents — “Kindly share live color selfie photo for noi prosess”
AM abdulrafique.mansuri@phfl.com phfl.com
13 Oct, 12:10 · 2d ago
Re[6]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
Dear Team,

attached the selfie photo

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)

Date: 10/13/26 12:06

To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com)

Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com)

Subject:Re: Re[4]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126
ExerciseSecured by Check Point

Team

Kindly share live color selfie photo for noi prosess

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Tue, 13 Oct 2026 at 11:36, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly share NOI index 2 From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 15:49 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Re[2]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Poi
🤖 read: documents attached
OL The NOI teamTYPED IN GMAIL
13 Oct, 12:14 · 2d ago

Team

we will process the NOI for the same.

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 13 Oct 2026 at 12:09, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, attached the selfie photo From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 10/13/26 12:06 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Re[4]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point Team Kindly share live color selfie photo for noi prosess Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Tue, 13 Oct 2026 at 11:36, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly share NOI index 2 From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 15:49 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Re[2]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point TEAM PFA CHALLAN FOR A REFERENCE Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 15:20, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly attached the selfie photo ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​ From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 14:54 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point Dear Team We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same. for noi filing we need live colour selfie photos. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Document and Receipt attached for your reference. Loan amount including insurance –20,60,000 Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​
🤖 read: The team will process the NOI.
OL The NOI teamTYPED IN GMAIL
13 Oct, 19:05 · 1d ago

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 13 Oct 2026 at 12:14, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team we will process the NOI for the same. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Tue, 13 Oct 2026 at 12:09, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, attached the selfie photo From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 10/13/26 12:06 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Re[4]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point Team Kindly share live color selfie photo for noi prosess Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Tue, 13 Oct 2026 at 11:36, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly share NOI index 2 From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 15:49 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Re[2]: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point TEAM PFA CHALLAN FOR A REFERENCE Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 15:20, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, kindly attached the selfie photo ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​ From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 09/25/26 14:54 To: Abdulrafique Abdulaziz Mansuri (abdulrafique.mansuri@phfl.com) Cc: sayed.irfan (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), Aniket Ananda Washivale (aniket.washivale@phfl.com), Harshada Arun Kashid (harshada.kashid@pnbhousing.com) Subject: Re: Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Exercise Secured by Check Point Dear Team We acknowledge the receipt of your mail documents and payment.We will initiate the challan for the same. for noi filing we need live colour selfie photos. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Fri, 25 Sept 2026 at 13:14, Abdulrafique Abdulaziz Mansuri < abdulrafique.mansuri@phfl.com > wrote: Dear Team, Kindly Initiate 0.3% & NOI Challan in case of Mr. ATUL BALKRISHNA GARATE - NHL/PNVL/0926/5213126 Document and Receipt attached for your reference. Loan amount including insurance –20,60,000 Property Address: SHIV HEIGHTS PLOT NO 181, SECTOR 13, OPP RAGHUNATH VIHAR, KHARGHAR, NAVI MUMBAI-410210 ​ ​ ​​ Thanks & Regards, Abdulrafique Mansuri Channel Manager - Panvel Mobile: 8652198509 ​
🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing 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.

DocumentFile — click to openStatusWhen
Selfie / photo App Photo.jpg
CANNOT BE READ — clear copy asked 20d ago
Aadhaar card Atul Aadhaar.pdf
filed 20d ago
Index IIthe branch sent this — an input Adobe Scan 24 Sept 2026.pdf
filed 20d ago
Payment screenshot IMG-20260925-WA0007.jpg
filed 20d ago
Sanction letter Sanction letter (83).pdf
filed 20d ago
Other image003.jpg
filed 20d ago
PAN card Pan Card1.pdf
filed 20d ago
Selfie / photo IMG-20260925-WA0009.jpg
filed 20d ago
Paid challan (GRAS) ATUL BALKRISHNA GARATE EchallanMH010868007202627E.pdf
filed 20d ago
E-filing copy (token) eFilingDoc9991310260549.pdf
filed 1d 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
₹18,320.67
Where it stands
VERIFIED — money received
Screenshot claims
₹18,280 626832248105
Paid at
30 Sep 15:58:40
Verified on
30 Sep 15:58:42

Fee working (ours)

Stamp dutyFiling feeDHCOur service feeTotal
₹6,190₹10,310₹320 ₹1,500₹18,320
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.

Property (must be perfect)

33 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage
5 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Floor (person 1)
✓ EzDocs checked every box against the document’s own words 20d ago — all agree.
CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (Adobe Scan 24 Sept 2026.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)
⚠ not in the document
Flat / shop no
✓ in the document
Floor
⚠ not in the document
Village / City
⚠ not in the document
Number type (GAT / SURVEY / CTS / PLOT)
✓ in the document
Number
✓ in the document
PIN
⚠ not 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.
सदनिका क्र. 103,पहिला मजला,शिव हाईट्स,प्लॉट क्र.181,सेक्टर 13,खारघर,ता.पनवेल पनवेल,जि.रायगड. क्षेत्र 399 चौ.फूट.कारपेट 50 टक्के अविभाज्य हिस्सा (नाते आई- मुलगा ) ( ( Plot Number : 181 ; SECTOR NUMBER : 13 ; ) ) - स्थानिक स्वराज्य संस्थाः पनवेल म.न.पा.
saving a change clears verification until someone verifies again
hold on after pressing — the page comes back with the result written at the top of this section (verified boxes never change)

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

the sanction letter BASE — the challan follows this
Sanction letter (83).pdf
as printed
FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHS LTD, PLOT NO 181 SECTOR 13, PANVEL, PANVEL, ., MAHARASHTRA, INDIA, 410210
PIN
410210
the Index II
Adobe Scan 24 Sept 2026.pdf
the property
1) itara varnanah, itara maahitih sadanikaa kra.103,pahilaa majalaa,shiva haaitsa,plota kra.181,sektara 13,khaaraghara,taa.panavela panavela,ji.raayagada. kshetra 399 chau.phuta.kaarapeta 50 takke avibhaajya hissaa (naate aai- mulagaa) ((PLOT NUMBER : 181; SECTOR NUMBER : 13;)) - sthaanika svaraajya sansthaah panavela ma.na.paa.
PIN
410210
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO 103 1ST FLOOR SHIV HEIGHTS CHS LTD PLOT NO 181 SECTOR 13
Locality/Road
OPP RAGHUNATH VIHAR KHARGHAR NAVI MUMBAI PANVEL
Area/City
RAIGAD
check or correct a box, the papers beside it →
the Index II also prints: 1, 399, 50, AAI, AVIBHAAJYA, CHAU, HAAITSA, HISSAA, ITARA, JI, KAARAPETA, KHAARAGHARA, KRA
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

RoleNamePANAadhaar
mortgagorATUL BALKRISHNA GARATEAPDPG5038G…7329
All mail records (for Abhijit — safe to ignore)
TemplateToWhen
documents acknowledgedabdulrafique.mansuri@phfl.com 20d ago
questions for the branch — what the papers leave openabdulrafique.mansuri@phfl.com 20d ago
What EzDocs read from each document — check anything marked in red
Selfie / photo App Photo.jpg needs your check
kind
photo_of_printed_photo
legible
False
confidence
1
face visible
True
quality issue
this is a photograph of a passport-size print, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 1, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}
Payment screenshot IMG-20260925-WA0007.jpg needs your check
utr
626832248105
date
2026-09-25
time
13:10
amount
18280
method
UPI
payee upi
2080@hdfcbank
payer upi
0786@okaxis
payee name
THINK BIGZ INITIATIVE PVT LTD
payer name
MOHAMMAD ISMAIL MOHAMMAD DAAR CHAWDHERI
raw reading (for Abhijit)
{'utr': '626832248105', 'date': '2026-09-25', 'time': '13:10', 'amount': 18280, 'method': 'UPI', 'payee_upi': '2080@hdfcbank', 'payer_upi': '0786@okaxis', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'MOHAMMAD ISMAIL MOHAMMAD DAAR CHAWDHERI', 'debit_notification_text': None}
Index II Adobe Scan 24 Sept 2026.pdf needs your check
kind
index2_input
extracted
pin: 410210; rows: {'r4_palika': 'पनवेल म.न.पा. (महानगरपालिका)', 'r11_serial': 'पवल3-14956-2026', 'r14_remark': 'मुद्रांक शुल्क आकारताना निवडलेला अनुच्छेद:- Gift ==> If Gift is of Agricultural or Residential property a
raw reading (for Abhijit)
{'kind': 'index2_input', 'extracted': {'pin': '410210', 'rows': {'r4_palika': 'पनवेल म.न.पा. ( महानगरपालिका )', 'r11_serial': 'पवल3-14956-2026', 'r14_remark': 'मुद्रांक शुल्क आकारताना निवडलेला अनुच्छेद:- Gift ==> If Gift is of Agricultural or Residential property and is in favor Husband, Wife, Son, Daughter, Grandson, Granddaughter or Wife of deceased son. दस्तासोबतची सूची क्र ||', 'r4_locality': None, 'r5_area_text': '1) 399 चौ. फूट', 'r7_executants': [{'age': '63', 'pan': 'DDHXXXXX6R', 'name': 'आरती बाळकृष्ण गराटे', 'address': 'प्लॉट नं: 0, माळा नं: 0, इमारतीचे नावः सदनिका क्र.103, पहिला मजला, शिव हाईट्स, प्लॉट क्र. 181, सेक्टर 13, खारघर, ता.पनवेल पनवेल, जि.रायगड, ब्लॉक नंः -, रोड नं: --, महाराष्ट्र, राईगार्ः ( ं). पिन:- 410210'}], 'r8_purchasers': [{'age': '45', 'pan': 'APDXXXXX8G', 'name': 'अतुल बाळकृष्ण गराटे', 'address': 'प्लॉट नं: 0, माळा नं: 0, इमारतीचे नावः सदनिका क्र.103, पहिला मजला, शिव हाईट्स, प्लॉट क्र. 181, सेक्टर 13, खारघर, ता. पनवेल पनवेल, जि. रायगड, ब्लॉक नंः --, रोड नंः -, महाराष्ट्र, राईगार्ः ( ं). पिन:- 410210'}], 'r12_stamp_duty': 39000, 'r3_market_value': 1933000, 'r1_document_type': 'अनुच्छेद – बक्षीसपत्र', 'r2_consideration': 0, 'r9_execution_date': '20-08-2026', 'r13_registration_fee': 200, 'r10_registration_date': '24-08-2026'}, 'doc_no': '14956', 'village': 'खारघर', 'doc_kind': 'Index II', 'doc_year': '2026', 'sro_name': 'पनवेल', 'area_text': '1) 399 चौ. फूट', 'mortgagee': 'अतुल बाळकृष्ण गराटे', 'filing_fee': 200, 'header_sro': 'सह दुय्यम निबंधक पनवेल 3', 'mortgagors': ['आरती बाळकृष्ण गराटे'], 'stamp_duty': 39000, 'filing_date': '2026-08-24', 'loan_amount': 0, 'token_number': 'PNL3-14956-2026', 'property_text': '1) इतर वर्णनः, इतर माहितीः सदनिका क्र.103,पहिला मजला,शिव हाईट्स,प्लॉट क्र.181,सेक्टर 13,खारघर,ता.पनवेल पनवेल,जि.रायगड. क्षेत्र 399 चौ.फूट.कारपेट 50 टक्के अविभाज्य हिस्सा (नाते आई- मुलगा ) ( ( Plot Number : 181 ; SECTOR NUMBER : 13 ; ) ) - स्थानिक स्वराज्य संस्थाः पनवेल म.न.पा.', 'header_village': 'खारघर (553513)', 'survey_numbers': ['181'], 'header_doc_number': 'PNL3-14956-2026'}}
Sanction letter Sanction letter (83).pdf needs your check
lan
NHL/PNVL/0926/5213126
legible
True
purpose
Non Housing Loan, Personal use
borrowers
{'name': 'ATUL BALKRISHNA GARATE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'YOGITA ATUL GARATE', 'role': 'applicant', 'label': 'Applicant'}
confidence
1
loan amount
2000000
final amount
2060000
interest rate
10.5
sanction date
09-Sep-2026
letter version
6
applicant email
atulgarate@gmail.com
applicant names
ATUL BALKRISHNA GARATE, YOGITA ATUL GARATE
printed altered
False
applicant mobile
9870941254
balance transfer
False
property address
pin: 410210; state: MAHARASHTRA; Flat no: 103; district: Panvel; Floor: 1ST FLOOR; Address: FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHS LTD, PLOT NO 181 SECTOR 13, PANVEL, Panvel, MAHARASHTRA, India, 410210; village
insurance premium
60000
final amount label
Total Loan Amount
includes insurance
True
total with insurance
2060000
security address verbatim
FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHS LTD, PLOT NO 181 SECTOR 13, PANVEL, Panvel, ., MAHARASHTRA, India, 410210
applicant address verbatim
103, SHIV HEIGHTS, PLOT NO 181 SECTOR 13, ., Panvel, MAHARASHTRA, 410210, India
raw reading (for Abhijit)
{'lan': 'NHL/PNVL/0926/5213126', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'ATUL BALKRISHNA GARATE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'YOGITA ATUL GARATE', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'handwritten': [], 'linked_refs': [], 'loan_amount': 2000000, 'final_amount': 2060000, 'interest_rate': 10.5, 'quality_issue': None, 'sanction_date': '09-Sep-2026', 'letter_version': '6', 'applicant_email': 'atulgarate@gmail.com', 'applicant_names': ['ATUL BALKRISHNA GARATE', 'YOGITA ATUL GARATE'], 'printed_altered': False, 'applicant_mobile': '9870941254', 'balance_transfer': False, 'property_address': {'pin': '410210', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '103', 'district': 'Panvel', 'floor_no': '1ST FLOOR', 'landmark': None, 'full_address': 'FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHS LTD, PLOT NO 181 SECTOR 13, PANVEL, Panvel, MAHARASHTRA, India, 410210', 'village_city': 'Panvel', 'building_name': 'SHIV HEIGHTS CHS LTD', 'survey_or_cts_no': 'PLOT NO 181 SECTOR 13'}, 'insurance_premium': 60000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 2060000, 'security_address_verbatim': 'FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHS LTD, PLOT NO 181 SECTOR 13, PANVEL, Panvel, ., MAHARASHTRA, India, 410210', 'applicant_address_verbatim': '103, SHIV HEIGHTS, PLOT NO 181 SECTOR 13, ., Panvel, MAHARASHTRA, 410210, India'}
Aadhaar card Atul Aadhaar.pdf needs your check
dob
1980-08-01
name
Atul Balkrishna Garate
address
pin: 410210; area: Opp Raghunath Vihar, Sector 13; flat: Plot No 181; state: Maharashtra; building: 103 Shiv Heights; district: Raigarh; Village: Kharghar
legible
True
aadhaar last4
7329
raw reading (for Abhijit)
{'dob': '1980-08-01', 'pan': None, 'name': 'Atul Balkrishna Garate', 'mobile': None, 'address': {'pin': '410210', 'area': 'Opp Raghunath Vihar, Sector 13', 'flat': 'Plot No 181', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': '103 Shiv Heights', 'district': 'Raigarh', 'post_office': None, 'village_city': 'Kharghar'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '7329', 'quality_issue': None}
Other image003.jpg needs your check
payments inside
kind: other; payments: []
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': None, 'account_last4': None, 'account_holder': None}}
PAN card Pan Card1.pdf needs your check
dob
1980-08-01
pan
APDPG5038G
name
ATUL BALKRISHNA GARATE
legible
True
father name
BALKRISHNA BABU GARATE
raw reading (for Abhijit)
{'dob': '1980-08-01', 'pan': 'APDPG5038G', 'name': 'ATUL BALKRISHNA GARATE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'BALKRISHNA BABU GARATE', 'aadhaar_last4': None, 'quality_issue': None}
Other image003.jpg needs your check
payments inside
kind: other; payments: []
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': None, 'account_last4': None, 'account_holder': None}}
Payment screenshot IMG-20260925-WA0007.jpg needs your check
payments inside
bank: HDFC Bank; kind: payment_screenshot; payments: [{'utr': '626832248105', 'date': '2026-09-25', 'page': 1, 'time': '13:10', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 18280.0, 'direction': 'credit', 'narrati
raw reading (for Abhijit)
{'payments_inside': {'bank': 'HDFC Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '626832248105', 'date': '2026-09-25', 'page': 1, 'time': '13:10', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 18280.0, 'direction': 'credit', 'narration': "Payment of ‘18,280 completed Receiver's bank has confirmed deposit of money to THINK BIGZ INITIATIVE PVT LTD's bank account", 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '0786', 'account_holder': 'MOHAMMAD ISMAIL MOHAMMAD DAAR CHAWDHERI'}}
Selfie / photo IMG-20260925-WA0009.jpg needs your check
kind
live_selfie
legible
True
confidence
0.9
face visible
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}
Paid challan (GRAS) ATUL BALKRISHNA GARATE EchallanMH010868007202627E.pdf needs your check
grn
MH010868007202627E
pin
410210
total
16500.0
article
6(1)
defaced
False
bank cin
03006172026092500863
district
RAIGAD
area city
RAIGAD
payer pan
APDXXXXXXG
flat block
FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHSL
payer name
ATUL BALKRISHNA GARATE
sro office
PNL3 PANVEL 3 JOINT SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2060000
scheme rows
{'amount': 6190.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX1254
payment date
25/09/2026-15:45:21
road locality
PLOT NO 181 SECTOR 13, KHARGHAR, PANVEL, RAIGAD
second party pan
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
consideration amount
2060000
raw reading (for Abhijit)
{'grn': 'MH010868007202627E', 'pin': '410210', 'total': 16500.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026092500863', 'district': 'RAIGAD', 'area_city': 'RAIGAD', 'payer_pan': 'APDXXXXXXG', 'flat_block': 'FLAT NO 103, 1ST FLOOR, SHIV HEIGHTS CHSL', 'payer_name': 'ATUL BALKRISHNA GARATE', 'sro_office': 'PNL3 PANVEL 3 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2060000', 'scheme_rows': [{'amount': 6190.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX1254', 'payment_date': '25/09/2026-15:45:21', 'road_locality': 'PLOT NO 181 SECTOR 13, KHARGHAR, PANVEL, RAIGAD', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2060000'}
Paid challan (GRAS) ATUL BALKRISHNA GARATE EchallanMH010868007202627E.pdf needs your check
payments inside
bank: PUNJAB NATIONAL BANK; kind: other; payments: []; rows_read: 0; account_holder: ATUL BALKRISHNA GARATE
raw reading (for Abhijit)
{'payments_inside': {'bank': 'PUNJAB NATIONAL BANK', 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': 'ATUL BALKRISHNA GARATE'}}
E-filing copy (token) eFilingDoc9991310260549.pdf needs your check
sro
ALG
kind
efiling_copy
token
9991310260549
legible
True
property
road: RAIGAD; unit: 103; floor: 1ST; taluka: Panavel; numbers: [{'type': 'Plot Number', 'value': '181'}, {'type': 'SECTOR NUMBER', 'value': '13'}]; village: Kharaghar; building: SHIV HEIGHTS CHSL; district: Raigad; area_
mortgagee
PNB HOUSING FINANCE LTD
mortgagors
{'pan': 'APDPG5038G', 'name': 'ATUL BALKRISHNA GARATE', 'address': 'Building Name:103, SHIV HEIGHTS, PLOT NO 181 SECTOR 13, Road:PANVEL,RAIGAD, City:RAIGAD, State:MAHARASHTRA, District:RAIGARH(MH), Pin:410210'}
title deed
Gift Deed : 14956/2026 SRO PANVEL-3
filing date
2026-10-13
loan amount
2060000
payment lines
{'ref': 'MH010868007202627E', 'head': 'Stamp Duty', 'dated': '25/09/2026', 'amount': 6180, 'ref_kind': 'GRN'}, {'ref': 'MH010868007202627E', 'head': 'Filing Fee', 'dated': '25/09/2026', 'amount': 10300, 'ref_kind': 'GRN'
date of mortgage
2026-10-13
raw reading (for Abhijit)
{'sro': 'ALG', 'kind': 'efiling_copy', 'token': '9991310260549', 'legible': True, 'property': {'pin': None, 'road': 'RAIGAD', 'unit': '103', 'floor': '1ST', 'taluka': 'Panavel', 'numbers': [{'type': 'Plot Number', 'value': '181'}, {'type': 'SECTOR NUMBER', 'value': '13'}], 'village': 'Kharaghar', 'building': 'SHIV HEIGHTS CHSL', 'district': 'Raigad', 'area_text': 'Carpet : 399 Sq.ft.', 'local_body': None, 'description': None, 'property_type': None}, 'mortgagee': 'PNB HOUSING FINANCE LTD', 'mortgagors': [{'pan': 'APDPG5038G', 'name': 'ATUL BALKRISHNA GARATE', 'address': 'Building Name:103, SHIV HEIGHTS, PLOT NO 181 SECTOR 13, Road:PANVEL,RAIGAD, City:RAIGAD, State:MAHARASHTRA, District:RAIGARH(MH), Pin:410210'}], 'title_deed': 'Gift Deed : 14956/2026 SRO PANVEL-3', 'filing_date': '2026-10-13', 'loan_amount': 2060000, 'payment_lines': [{'ref': 'MH010868007202627E', 'head': 'Stamp Duty', 'dated': '25/09/2026', 'amount': 6180, 'ref_kind': 'GRN'}, {'ref': 'MH010868007202627E', 'head': 'Filing Fee', 'dated': '25/09/2026', 'amount': 10300, 'ref_kind': 'GRN'}, {'ref': '1026133316929', 'head': 'Document Handling Charges', 'dated': '13/10/2026', 'amount': 300, 'ref_kind': 'PRN'}], 'date_of_mortgage': '2026-10-13'}
Technical record (for Abhijit — safe to ignore)
4h agoEzDocsdraft_withdrawn{'why': "the team's own mail of 25 Sep, 14:53 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']}
1d agoEzDocsreader_efiling_verdict{'fp': '324e68c329f327bd', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is required but is empty.',
1d agoEzDocsdhc_prn_read{'prn': '1026133316929', 'why': "the Document Handling Charges' PRN, as the filed notice prints it — beside the challan's GRN in the MIS", 'file': 'eFilingDoc9991310260549.pdf', 'from': "the filed notice's own text", 'gr
1d agoEzDocsefiling_copy_read{'why': "the filed notice, read back as we's own e-filing sample for the bank", 'file': 'eFilingDoc9991310260549.pdf', 'token': '9991310260549', 'doc_id': '0a4474da-26a2-4fe5-bcc0-f3f8b9a7213d', 'mortgagors': 1}
1d agoEzDocsefiling_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':
1d agoEzDocsdesk_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': 'eFilingDoc999131026
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T08:31:03', 'why': 'mail', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provides lo
2d agoEzDocsmail_against_file490{'at': '2026-10-13T08:31:03', 'asks': [], 'gist': 'The branch states that the selfie photo has been attached.', 'next': 'Ask the branch to attach the selfie photo as it was not attached to this mail.', 'brought': [{'how'
2d agoEzDocshalf_read_mail_reread{'why': 'this mail named 2 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'pnb.noifilling@gmail.com',
2d agoEzDocsdocuments_read_together{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 2, 'seconds': 0.6, 'workers': 2}
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T07:30:59', 'why': 'mail', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provides lo
2d agoEzDocsmail_against_file490{'at': '2026-10-13T07:30:58', 'asks': ['share NOI Index II'], 'gist': 'The branch asks for the NOI Index II.', 'next': 'Send the branch the Index II once it is issued by the registrar.', 'brought': [], 'rectified': [], '
2d agoEzDocshalf_read_mail_reread{'why': 'this mail named 1 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'pnb.noifilling@gmail.com',
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T07:30:38', 'why': 'mail', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provides lo
2d agoEzDocsmail_against_file490{'at': '2026-10-13T07:30:38', 'asks': [], 'gist': 'The branch states that a selfie photo is attached, but no attachment is present in the mail.', 'next': 'Ask the branch to re-send the selfie photo as it was not attached
2d agoEzDocshalf_read_mail_reread{'why': 'this mail named 2 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'pnb.noifilling@gmail.com',
2d agoEzDocsdocuments_read_together{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 2, 'seconds': 0.6, 'workers': 2}
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T06:40:27', 'why': 'mail', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provides lo
2d agoEzDocsmail_against_file490{'at': '2026-10-13T06:40:11', 'asks': [], 'gist': 'The branch claims to have attached a selfie photo, but no attachment is present.', 'next': 'Ask the branch to re-send the selfie photo as it was not attached to the mail
2d agoEzDocsdocuments_read_together{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 2, 'seconds': 1.5, 'workers': 2}
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T06:30:28', 'why': 'mail', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provides lo
2d agoEzDocsmail_against_file490{'at': '2026-10-13T06:30:28', 'asks': ['share NOI index 2'], 'gist': 'The branch asks for the Index II.', 'next': 'Send the Index II to the branch.', 'brought': [], 'rectified': [], 'message_id': '1a133de56bc89e26', 'sti
2d agoEzDocshalf_read_mail_reread{'why': 'this mail named 1 attachment(s) but none was kept and no draft followed — its first reading broke mid-way; re-read whole (documents dedupe by sha) so the draft can follow', 'mailbox': 'pnb.noifilling@gmail.com',
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T06:06:33', 'why': 'mail', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provides lo
2d agoEzDocsmail_against_file490{'at': '2026-10-13T06:06:25', 'asks': ['share NOI index 2'], 'gist': 'The branch asks for the Index II.', 'next': 'Send the Index II to the branch.', 'brought': [], 'rectified': [], 'message_id': '1a133de56bc89e26', 'sti
2d agoEzDocsfile_note490{'v': '1', 'at': '2026-10-13T06:06:22', 'why': 'first note', 'open': 1, 'mails': [{'at': '2026-09-25 07:44', 'id': '1a0d785cd09591a1', 'from': 'branch', 'gist': 'The branch asks the team to initiate the challan and provi
14d agoEzDocsdraft_withdrawn{'why': 'the case is past the challan — the questions are moot', 'count': 1, 'kinds': ['branch_questions']}
14d agoEzDocscredit_on_another_case{'how': 'utr', 'utr': '148058691107', 'why': 'NOI-2026-03063 has a receipt naming this same credit (the same UTR) — a person must say whose money it is', 'amount': 18280, 'other_case': 'NOI-2026-03063'}
15d agoEzDocscase_reevaluated{'stage_after': 'CHALLAN_PAID'}
15d agoEzDocspayment_verified{'utr': '148058691107', 'why': "paid ₹18,280, ₹41 under our ask of ₹18,321 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accepted a

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

Papers
All 8 in hand
Selfie re-sent — an earlier one was a photo of a print
Money
₹18,280 received — verified
Seen in the account (credit SMS or a person's Verify).
Challan & filing
Index II pending
Waiting on the government.
Next — whose move
The government
Index II
Today · 15 Oct1 thing
An old draft withdrew itself — its asks were already answered
13:10
13 Oct5 things — 1 document received · 1 letter written · 3 steps
EzDocs checked the e-filing boxes against the papers
23:56
EzDocs took 22 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
19:05
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
19:05
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
19:05
Received: E-filing copy
eFilingDoc9991310260549.pdf
19:05
1 Oct1 thing — 1 step
An old draft withdrew itself — its asks were already answered
14:40
30 Sep2 things — 2 steps
This payment is counted on another case too — a person must say whose it is
21:12
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
15:58
28 Sep1 thing — 1 step
EzDocs read the whole file
02:04
27 Sep2 things — 2 steps
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
11:29
EzDocs read the whole file
03:36
25 Sep34 things — 9 documents received · 4 letters written · 1 money step · 1 caution · 19 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
16:02
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
15:47
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
15:47
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
15:47
Challan re-read against the case — matches exactly
15:47
Received: Challan
ATUL BALKRISHNA GARATE EchallanMH010868007202627E.pdf
15:47
EzDocs read the whole trail as one conversation — where the case stands is on the page
15:26
EzDocs read the whole file
15:21
Selfie checked — a live one
A real selfie — usable for the e-filing.
15:20
Received: Selfie
IMG-20260925-WA0009.jpg
15:20
EzDocs read the whole trail as one conversation — where the case stands is on the page
14:56
EzDocs took 34 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
13:16
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
13:16
EzDocs read the whole file
13:16
EzDocs read the whole trail as one conversation — where the case stands is on the page
13:15
EzDocs read the whole file
13:15
The challan's address boxes were written from the papers
13:15
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-02445
13:15
No fee quote sent — the branch's own figures were right
13:15
The payment proof already on the case was applied
13:15
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
13:14
The loan amount was worked out from the papers
13:14
Received: PAN card
Pan Card1.pdf
13:14
Received: other
image003.jpg
13:14
Property address read from the sanction letter
13:14
Index II (title document) received from the branch
13:14
Payment proof arrived before the case was quoted — held
13:14
Received: Sanction letter
Sanction letter (83).pdf
13:14
Received: Payment screenshot
IMG-20260925-WA0007.jpg
13:14
Received: Index II
Adobe Scan 24 Sept 2026.pdf
13:14
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
13:14
Received: Aadhaar
Atul Aadhaar.pdf
13:14
Received: Selfie — not usable
App Photo.jpg — this is a photograph of a passport-size print, not a live selfie
13:14
Case opened from the branch's mail
13:14
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.
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