⚠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.
NILESH KUM
LAN HOU/PNVL/0826/5195320Loan ₹49,35,000NOIMails & papers 6 2 drafts to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
8 Sep, 11:57
Documents
Payment
Challan
done 8 Sep, 16:23 · GRAS ↗
Filing
took 29d 21h · IGR e-filing ↗
E-filing copy
done 8 Oct, 14:10
Index II
took 1d 21h
doneIndex II shared · the trail says: The branch has sent the loan documents, Index II, and a selfie photo. The team has prepared and shared the challan, and is now waiting to file the NOI.whole case so far 35d 11h
Needs your eyes4
In the branch's mail of 8 Sep (from akshay.chaudhari@phfl.com, “Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/08”), ANOTHER CUSTOMER'S SANCTION LETTER is attached: Sanction letter (4).pdf is NILESH KUMAR, SUNITA KUMARI (loan HOU/PNVL/0826/5195320)'s, not NILESH KUM's. Please check with the branch. Nothing should be taken from it — check the loan amount and the property against NILESH's own letter.
₹31,605 matched on the amount alone; its payer 'Mrs S S S' reads as M/S. Sanjay General Store (NOI-2026-03082). Check the screenshot; if not this case, release it on the SMS page.
₹31,605 matched on the amount alone; its payer 'Mrs S S S' reads as M/S. Sanjay General Store (NOI-2026-03082). Check the screenshot; if not this case, release it on the SMS page.
Selfie / photo: copy on file cannot be used. A usable one is being asked for.
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
10 Oct3 things
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9990710260737.pdf
8 Oct5 things — 1 document received · 1 letter written · 3 steps
dhc prn read
efiling copy read
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9990710260737.pdf
6 Oct3 things — 1 document received · 1 caution · 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
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: Selfie — not usable
IMG-20260810-WA0061.jpg — this is a photograph of a passport-size print, not a live selfie
26 Sep1 thing — 1 step
index2 docno read
20 Sep7 things — 7 steps
challan boxes gathered
boxes gathered
address compared
challan boxes composed
property self check
property from index2
index2 people checked
19 Sep11 things — 11 steps
challan boxes gathered
boxes gathered
address compared
challan boxes by rules
box disagreement
box disagreement
box disagreement
box disagreement
property self check
property from index2
index2 people checked
18 Sep7 things — 7 steps
challan boxes gathered
boxes gathered
address compared
challan boxes by rules
property self check
property from index2
index2 people checked
16 Sep8 things — 8 steps
challan boxes gathered
boxes gathered
address compared
challan boxes by rules
box disagreement
property self check
property from index2
index2 people checked
15 Sep10 things — 10 steps
challan boxes gathered
boxes gathered
address compared
challan boxes composed
box disagreement
property self check
property from index2
index2 people checked
index2 pan differs
EzDocs read the whole trail as one conversation — where the case stands is on the page
14 Sep3 things — 3 steps
The branch's title document is on the case — the filing is the NOI team's move
kyc address read
property self check
11 Sep1 thing — 1 step
property from index2
8 Sep28 things — 5 documents received · 4 letters written · 1 money step · 18 steps
desk documents backfill
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Challan
NILESH KUMAR EchallanMH009827458202627E.pdf
Moved to 'challan paid' on the NOI team's own mail
The NOI team's own mail said the challan went — the case followed.
extra challan scanned
gpay settled
quoted history checked
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-01437
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
Wrote the documents acknowledged mail — held, silent mode
Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320
claim inside desk buffer
No fee quote sent — the branch's own figures were right
The payment proof already on the case was applied
documents read together
property english extracted
PAN found inside the KYC file — no need to ask for it
Index II (title document) received from the branch
Property address read from the sanction letter
Payment proof arrived before the case was quoted — held
Received: Sanction letter
Sanction letter (4).pdf
Received: Aadhaar
KYC (3).pdf
Received: Index II
INDEX II.pdf
Received: Payment screenshot
TransactionReceipt2369783480204270818 (1).jpeg
name from subject
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 needs2 still to come
9 of 11 in hand · the challan is done — these are for the filing / KYC
✓Aadhaar cardopen
✓Sanction letteropen
✓Paid challan (GRAS)open
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a passport-size print, not a live selfie)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Applicant's Selfie / Photo — for the e-filing visit later
Mails & papers →every paper, beside its mail · 8 files
The whole file has not been read yet8 papers on file
Moneyall of it is in
₹31,630
Reached our account 8 Sep 11:49:00.
How we know
Our own bank told us — 8 Sep 11:49
₹31,605 · from GPay-BIZ
“₹31,605 received from Mrs S S S at 11:49 am”
Matched by: AMOUNT ALONE — a little under our ask, inside our buffer · Google's alert; the NEFT has settled; 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%14,810
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for31,630
By law ₹31,625. We ask ₹31,630 (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
2107, 21st, Hera Co-Op. Housing Society Ltd., SURVEY, 66/0, Bhokarpada, 410206
read from the Index II · e-filing boxes 30 of 34 ready
Check the property →the boxes beside the paper
People
NILESH KUMAR · applicantAPKPK1334E
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