⚠The PNB mailbox has used 225% of what Google lets it send in 24 hours (1,125 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-01437

NILESH KUM

LAN HOU/PNVL/0826/5195320 Index II shared · done All documents Mails & papers 6

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs4 still to come

9 of 13 in hand.
the challan is done — these are for the IGR filing / KYC

✓Payment screenshot — money verifiedopen

✓Index II — the branch's own title copy, an input; the address was read from itopen

✓Index II — the registered copy of our filing, from the governmentopen download

✓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

✓PAN card — inside KYC (3).pdfopen

Applicant's Aadhaar Card — still needed

Applicant's PAN Card — still needed

✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)

Applicant's Selfie / Photo — for the e-filing visit later

All files (8)A label is wrong? Fix it under All documents.

For you to check

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.
Selfie / photo: copy on file cannot be used. A usable one is being asked for.

MoneyAll of it is in

₹31,630

The whole amount reached our account. Nothing is pending on this case.

₹31,605 received

Stamp duty 0.3%14,810

Registration fee 0.5%15,000

Government handling320

Our service fee1,500

Total we ask for31,630

the branch’s receipt claims ₹31,605 004688993848

paid 8 Sep 11:49:00 · verified 8 Sep 12:48:24 · 59 min later

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: checked by EzDocs against the case's own papers (its payment screenshot, the payer) · 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

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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 1 h 02 minour time · 8 Sep 12:59

Index II 36 h 28 minour time · 10 Oct 11:59

the NOI team 3 d 20 hthe branch 28 d 3 htotal 32 d

Complete.

Day by day — every step and who held it

8 Sep 11:57Your branch's mail

8 Sep 11:57Payment landedat once

8 Sep 12:43Fee quoted+46 min · the NOI team

8 Sep 12:43Papers readat once

8 Sep 12:43Property readat once

8 Sep 12:48Payment verified+5 min · the NOI team

8 Sep 12:48Ready for the challanat once

8 Sep 12:59Challan made+11 min · the NOI team

6 Oct 16:33Papers from your branch+28 d 3 h · the branch

6 Oct 16:37Papers read+4 min · the NOI team

8 Oct 14:09Filed on IGR — e-filing shared+1 d 21 h · the NOI team

10 Oct 11:59Index II sent+1 d 21 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹49,35,000

Loan account no.

HOU/PNVL/0826/5195320

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.

✓ The papers agree — compared: the sanction letter, the Index II. No number of the property and no name differs.

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

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.

the history says the next move is with the NOI team — NOI filing

the branch last asked: Request you to give confirmation as NOI Documentation is completed.

✓ loan papers sent — done, mail 1 (2026-09-08) “Require document and Payment Receipt attached for your reference”

✓ challan made — done, mail 3 (2026-09-08) “PFA challan for your reference.”

✓ challan shared — done, mail 3 (2026-09-08) “PFA challan for your reference.”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-09-08) “Require document and Payment Receipt attached for your reference”

read over 4 mail(s), last mail 2026-10-06 · read 8d 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 checked every box against the document’s own words 25d 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 1026077114027 · ₹300 · paid 07/10/2026 — 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)

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.

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

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

AC akshay.chaudhari@phfl.com phfl.com
08 Sep, 11:57 · 37d ago THE FIRST MAIL — how this case began

Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320

📎 TransactionReceipt2369783480204270818 (1).↗📎 INDEX II.pdf ↗📎 KYC (3).pdf ↗📎 Sanction letter (4).pdf ↗

Dear Team,

Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320

Require document and Payment Receipt attached for your reference

Loan amount with insurance₹49,35,000

Property Add: - FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel 410206

Thanks & Regards,

Mobile: +91 8097024529

Akshay Chaudhari

Senior Team Leader 

Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

🤖 read: asks for the challan, the e-filing copy; documents attached; note: Initiate 0.3% Challan. — “Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320”

3 more mails in between — open

OL The NOI teamTYPED IN GMAIL
08 Sep, 12:49 · 36d 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 a colour live

selfie photo of the applicants.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 8 Sept 2026 at 12:01, Akshay Chaudhari <akshay.chaudhari@phfl.com>

wrote:

earlier mails quoted below

*Dear Team,*

*Kindly Initiate 0.3% Challan & NOI in case of NILESH
KUMAR/HOU/PNVL/0826/5195320*​
​
*Require document and Payment Receipt attached for your reference*

*Loan amount with insurance - 49,35,000/-*
*​*
*Property Add: - **FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO
66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel 410206**​**​*
*​*

*Thanks & Regards,*

*Mobile: +91 8097024529 <+91%2080970%2024529>*

*Akshay Chaudhari*

*Senior Team Leader *

*Every 3000 sheets cost 1 tree so please don't print any e-mail unless you
really need it……*[image: cid:image002.gif@01CB6161.0062FB80]

🤖 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
08 Sep, 12:59 · 36d ago

📎 NILESH KUMAR EchallanMH009827458202627E.pd ↗

Team,

PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 8 Sept 2026 at 12:49, 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 a colour live
selfie photo of the applicants.
*Regards,*

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

On Tue, 8 Sept 2026 at 12:01, Akshay Chaudhari <akshay.chaudhari@phfl.com>
wrote:

> *Dear Team,*
>
> *Kindly Initiate 0.3% Challan & NOI in case of NILESH
> KUMAR/HOU/PNVL/0826/5195320*​
> ​
> *Require document and Payment Receipt attached for your reference*
>
> *Loan amount with insurance - 49,35,000/-*
> *​*
> *Property Add: - **FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO
> 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel 410206**​*
> *​*
> *​*
>
> *Thanks & Regards,*
>
> *Mobile: +91 8097024529 <+91%2080970%2024529>*
>
> *Akshay Chaudhari*
>
> *Senior Team Leader *
>
> *Every 3000 sheets cost 1 tree so please don't print any e-mail unless
> you really need it……*[image: cid:image002.gif@01CB6161.0062FB80]
>
>
>

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

AC akshay.chaudhari@phfl.com phfl.com
06 Oct, 16:33 · 8d ago

Re[2]: Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320

📎 IMG-20260810-WA0061.jpg ↗

Dear Team,

Please find attached photo

Request you to give confirmation as NOI Documentation is completed.

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

earlier mails quoted below

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 09/08/26 13:02
To: Akshay Chaudhari (akshay.chaudhari@phfl.com)
Cc: Sayed Irfan Ahmed (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), harshada.kashid (harshada.kashid@pnbhfl.com), aniket.washivale (aniket.washivale@phfl.com), Bhavana Krishna Sawant (bhavana.sawant@pnbhousing.com), Shriram Sahani1 (shriram.sahani1@phfl.com)
Subject: Re: Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320

 Exercise Secured by Check Point

Team,
PFA challan for your reference.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Tue, 8 Sept 2026 at 12:49, 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 a colour live selfie photo of the applicants.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 8 Sept 2026 at 12:01, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:
Dear Team,

Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320 ​
​

Require document and Payment Receipt attached for your reference

Loan amount with insurance - 49,35,000/-

​

Property Add: - FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel 410206 ​ ​
​

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

🤖 read: asks for a status; documents attached — “Request you to give confirmation as NOI Documentation is completed.”

OL The NOI teamTYPED IN GMAIL
08 Oct, 14:09 · 6d ago

📎 eFilingDoc9990710260737.pdf ↗

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 6 Oct 2026 at 16:36, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:

Dear Team,

Please find attached photo

Request you to give confirmation as NOI Documentation is completed.

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 09/08/26 13:02
To: Akshay Chaudhari (akshay.chaudhari@phfl.com)
Cc: Sayed Irfan Ahmed (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), harshada.kashid (harshada.kashid@pnbhfl.com), aniket.washivale (aniket.washivale@phfl.com), Bhavana Krishna Sawant (bhavana.sawant@pnbhousing.com), Shriram Sahani1 (shriram.sahani1@phfl.com)
Subject: Re: Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320

 Exercise Secured by Check Point

Team,
PFA challan for your reference.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 8 Sept 2026 at 12:49, 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 a colour live selfie photo of the applicants.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 8 Sept 2026 at 12:01, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:
Dear Team,

Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320 ​
​

Require document and Payment Receipt attached for your reference

Loan amount with insurance - 49,35,000/-

​

Property Add: - FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel 410206 ​ ​
​

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference..”

OL The NOI teamTYPED IN GMAIL
10 Oct, 11:59 · 5d ago

📎 IndexII9990710260737.pdf ↗

Dear Team,

PFA index 2 copy for case closure..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 8 Oct 2026 at 14:09, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 6 Oct 2026 at 16:36, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:

Dear Team,

Please find attached photo

Request you to give confirmation as NOI Documentation is completed.

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 09/08/26 13:02
To: Akshay Chaudhari (akshay.chaudhari@phfl.com)
Cc: Sayed Irfan Ahmed (sayed.irfan@pnbhousing.com), Nilesh Gadankush (nilesh.gadankush@pnbhousing.com), harshada.kashid (harshada.kashid@pnbhfl.com), aniket.washivale (aniket.washivale@phfl.com), Bhavana Krishna Sawant (bhavana.sawant@pnbhousing.com), Shriram Sahani1 (shriram.sahani1@phfl.com)
Subject: Re: Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320

 Exercise Secured by Check Point

Team,
PFA challan for your reference.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 8 Sept 2026 at 12:49, 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 a colour live selfie photo of the applicants.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Tue, 8 Sept 2026 at 12:01, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:
Dear Team,

Kindly Initiate 0.3% Challan & NOI in case of NILESH KUMAR/HOU/PNVL/0826/5195320 ​
​

Require document and Payment Receipt attached for your reference

Loan amount with insurance - 49,35,000/-

​

Property Add: - FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel 410206 ​ ​
​

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

🤖 read: Index II shared ✓ — “PFA index 2 copy 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
Payment screenshot	TransactionReceipt2369783480204270818 (1).jpeg	filed	37d ago
Index IIthe branch sent this — an input	INDEX II.pdf	filed	37d ago
Aadhaar card+ PAN card inside	KYC (3).pdf	filed	37d ago
Sanction letter	Sanction letter (4).pdf	filed	37d ago
Paid challan (GRAS)	NILESH KUMAR EchallanMH009827458202627E.pdf	filed	36d ago
Selfie / photo	IMG-20260810-WA0061.jpg	CANNOT BE READ — clear copy asked	8d ago
E-filing copy (token)	eFilingDoc9990710260737.pdf	filed	6d ago
Index IIthe registered copy we filed	IndexII9990710260737.pdf	filed	5d 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
₹31,630

Where it stands
VERIFIED — money received

Screenshot claims
₹31,605 004688993848

Paid at
8 Sep 11:49:00

Verified on
8 Sep 12:48:24

GPay money settled into the PNB account at 8 Sep 13:10 (NEFT AXNGG25152758279). Heard twice; verified once.

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹14,810	₹15,000	₹320	₹1,500	₹31,630

By law ₹31,625. We ask ₹31,630 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

30 of 34 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, GRN, Paid amount, Challan date

6 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Second number type, Second number, Floor (person 1)

✓ EzDocs checked every box against the document’s own words 25d ago — all agree.

CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (INDEX II.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)

⚠ not in the document

Number

✓ in the document

⚠ not in the document

Area (sq.mt, carpet)

✓ 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.

1) इतर वर्णनः, इतर माहितीः अपार्टमेंट नं. 2107, 21 वा मजला, "हेरा को. ऑप. हौसिंग सोसायटी लि.", सर्व्हे नं. 66/0, (पार्ट), मौजे भोकरपाडा,ता.पनवेल,जि.रायगड, मोफा नुसार क्षेत्र 40.25 चौ.मी. म्हणजेच क्षेत्र 433.25 चौ. फुट कारपेट, रेरा नुसार क्षेत्र 36.21 चौ.मी. म्हणजेच 389.76 चौ. फुट कारपेट आणि डेक/बाल्कनी क्षेत्र 6.48 चौ.मी. म्हणजेच क्षेत्र 69.75 चौ. फुट, कार पार्किंग स्पेस नं. एफ- 607, लेव्हल स्टील्ट, या मिळकतीचे. ( ( Plot Number :.;)) - स्थानिक स्वराज्य संस्थाः रायगड

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

Sanction letter (4).pdf

as printed
FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, PANVEL, RAIGAD, MAHARASHTRA, INDIA, 410206

PIN
410206

the Index II

INDEX II.pdf

the property
1) itara varnanah, itara maahitih apaartamenta nan. 2107, 21 vaa majalaa, "heraa ko. opa. hausinga sosaayati li.", sarvhe nan. 66/0, (paarta), mauje bhokarapaadaa,taa.panavela,ji.raayagada, mophaa nusaara kshetra 40.25 chau.mi. mhanajecha kshetra 433.25 chau. phuta kaarapeta, reraa nusaara kshetra 36.21 chau.mi. mhanajecha 389.76 chau. phuta kaarapeta aani deka/baalkani kshetra 6.48 chau.mi. mhanajecha kshetra 69.75 chau. phuta, kaara paarkinga spesa nan. epha- 607, levhala stilta, yaa milakatiche. ((PLOT NUMBER :.;)) - sthaanika svaraajya sansthaah raayagada

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 2107 21ST FLOOR HERA CHS LTD SURVEY NO 66/0 PART

Locality/Road
BHOKARPADA PANVEL RAIGAD

Area/City
RAIGAD

check or correct a box, the papers beside it →

the Index II also prints: 1, 21, 25, 36, 389, 40, 433, 48, AANI, APAARTAMENTA, CHAU, DEKA/BAALKANI, EPHA, HAUSINGA, HERAA, ITARA, JI, KAARA

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
mortgagor	NILESH KUMAR	APKPK1334E	…4235

All mail records (for Abhijit — safe to ignore)

Template	To	When
documents acknowledged	akshay.chaudhari@phfl.com	37d ago
acknowledgement	akshay.chaudhari@phfl.com	36d ago

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

Payment screenshot TransactionReceipt2369783480204270818 (1).jpeg needs your check

utr
004688993848

date
2026-09-08

time
11:49

amount
31605

method
PhonePe UPI

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

payer name
Money tree

raw reading (for Abhijit)

{'utr': '004688993848', 'date': '2026-09-08', 'time': '11:49', 'amount': 31605, 'method': 'PhonePe UPI', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': 'Money tree', 'debit_notification_text': None}

Sanction letter Sanction letter (4).pdf needs your check

lan
HOU/PNVL/0826/5195320

legible
True

loan type
Housing Loan

confidence
1.0

loan amount
4700000

interest rate
8.0

sanction date
12-Aug-2026

letter version
4

applicant names
NILESH KUMAR, SUNITA KUMARI

applicant mobile
9008024979

property address
pin: 410206; state: MAHARASHTRA; Flat no: FLAT NO 2107; district: RAIGAD; Floor: 21ST FLOOR; Address: FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel

insurance premium
235000

includes insurance
True

total with insurance
4935000

security address verbatim
FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel, Raigad, MAHARASHTRA, India, 410206

raw reading (for Abhijit)

{'lan': 'HOU/PNVL/0826/5195320', 'legible': True, 'loan_type': 'Housing Loan', 'confidence': 1.0, 'loan_amount': 4700000, 'interest_rate': 8.0, 'quality_issue': None, 'sanction_date': '12-Aug-2026', 'letter_version': '4', 'applicant_names': ['NILESH KUMAR', 'SUNITA KUMARI'], 'applicant_mobile': '9008024979', 'property_address': {'pin': '410206', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'FLAT NO 2107', 'district': 'RAIGAD', 'floor_no': '21ST FLOOR', 'landmark': None, 'full_address': 'FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel, Raigad, MAHARASHTRA, India, 410206', 'village_city': 'PANVEL', 'building_name': 'HERA CHS LTD', 'survey_or_cts_no': 'SURVEY NO 66/0, SURVEY NO 66/0(PART)'}, 'insurance_premium': 235000, 'includes_insurance': True, 'total_with_insurance': 4935000, 'security_address_verbatim': 'FLAT NO 2107, 21ST FLOOR, HERA CHS LTD, SURVEY NO 66/0, SURVEY NO 66/0(PART), BHOKARPADA PANVEL RAIGAD, Panvel, Raigad, MAHARASHTRA, India, 410206'}

Index II INDEX II.pdf needs your check

kind
index2_input

extracted
doc_no: PNL5-13551-2026; village: भोकरपाडा; doc_kind: Index II; doc_year: 2026; sro_name: सह दुय्यम निबंधक पनवेल क्र. ५; area_text: क्षेत्र 40.25 चौ.मी. म्हणजेच क्षेत्र 433.25 चौ. फुट कारपेट, रेरा नुसार क्षेत्र 36.21 चौ.

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'doc_no': 'PNL5-13551-2026', 'village': 'भोकरपाडा', 'doc_kind': 'Index II', 'doc_year': '2026', 'sro_name': 'सह दुय्यम निबंधक पनवेल क्र. ५', 'area_text': 'क्षेत्र 40.25 चौ.मी. म्हणजेच क्षेत्र 433.25 चौ. फुट कारपेट, रेरा नुसार क्षेत्र 36.21 चौ.मी. म्हणजेच 389.76 चौ. फुट कारपेट आणि डेक/बाल्कनी क्षेत्र 6.48 चौ.मी. म्हणजेच क्षेत्र 69.75 चौ. फुट, कार पार्किंग स्पेस नं. एफ- 607, लेव्हल स्टील्ट', 'mortgagee': 'निलेश कुमार', 'filing_fee': 30000, 'mortgagors': ['वरुण नरेंद्र शहा', 'उषा शहा', 'दिव्य शहा', 'अमी शहा'], 'stamp_duty': 318000, 'filing_date': '2026-08-30', 'loan_amount': 5300000, 'property_text': '1) इतर वर्णनः, इतर माहितीः अपार्टमेंट नं. 2107, 21 वा मजला, "हेरा को. ऑप. हौसिंग सोसायटी लि.", सर्व्हे नं. 66/0, (पार्ट), मौजे भोकरपाडा,ता.पनवेल,जि.रायगड, मोफा नुसार क्षेत्र 40.25 चौ.मी. म्हणजेच क्षेत्र 433.25 चौ. फुट कारपेट, रेरा नुसार क्षेत्र 36.21 चौ.मी. म्हणजेच 389.76 चौ. फुट कारपेट आणि डेक/बाल्कनी क्षेत्र 6.48 चौ.मी. म्हणजेच क्षेत्र 69.75 चौ. फुट, कार पार्किंग स्पेस नं. एफ- 607, लेव्हल स्टील्ट, या मिळकतीचे. ( ( Plot Number :.;)) - स्थानिक स्वराज्य संस्थाः रायगड', 'survey_numbers': ['66/0'], 'header_doc_number': 'PNL5-13551-2026'}}

Aadhaar card KYC (3).pdf needs your check

dob
1980-12-04

pan
APKPK1334E

name
NILESH KUMAR

legible
True

aadhaar last4
4235

raw reading (for Abhijit)

{'dob': '1980-12-04', 'pan': 'APKPK1334E', 'name': 'NILESH KUMAR', 'legible': True, 'aadhaar_last4': '4235', 'quality_issue': None}

Aadhaar card KYC (3).pdf needs your check

dob
1980-12-04

name
NILESH KUMAR

legible
True

raw reading (for Abhijit)

{'dob': '1980-12-04', 'pan': None, 'name': 'NILESH KUMAR', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Selfie / photo IMG-20260810-WA0061.jpg needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

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': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

E-filing copy (token) eFilingDoc9990710260737.pdf needs your check

sro
SDG

kind
efiling_copy

token
9990710260737

legible
True

property
road: RAIGAD; unit: 2107; floor: 21; taluka: Panavel; numbers: [{'type': 'Survey Number', 'value': '66/0 (PART)'}]; village: Bhokarapada; building: APARTMENT NO 2107, HERA CHS LTD; district: Raigad; area_text: Carpet : 4

mortgagee
PNB HOUSING FINANCE LTD

mortgagors
{'pan': 'APKPK1334E', 'name': 'NILESH KUMAR', 'address': 'Flat No:C501, Floor No:G, Building Name:KANKIA SEVEN, WING C, FLAT NO C 501, Road:A.K. ROAD ANDHERI ESAT JB NAGAR, ANDHERI MAROLE MUMBAI, MUMBAI, City:MUMBAI, Sta

title deed
Agreement to Sale :13551/2026 SRO PANVEL-5

filing date
2026-10-08

loan amount
4935000.0

payment lines
{'ref': 'MH009827458202627E', 'head': 'Stamp Duty', 'dated': '08/09/2026', 'amount': 14805.0, 'ref_kind': 'GRN'}, {'ref': 'MH009827458202627E', 'head': 'Filing Fee', 'dated': '08/09/2026', 'amount': 15000.0, 'ref_kind':

date of mortgage
2026-10-07

raw reading (for Abhijit)

{'sro': 'SDG', 'kind': 'efiling_copy', 'token': '9990710260737', 'legible': True, 'property': {'pin': None, 'road': 'RAIGAD', 'unit': '2107', 'floor': '21', 'taluka': 'Panavel', 'numbers': [{'type': 'Survey Number', 'value': '66/0 (PART)'}], 'village': 'Bhokarapada', 'building': 'APARTMENT NO 2107, HERA CHS LTD', 'district': 'Raigad', 'area_text': 'Carpet : 40.25 Sq.mt.', 'local_body': None, 'description': 'Block Sector:MOUJE BHOKARPADA, PANVEL, RAIGAD', 'property_type': None}, 'mortgagee': 'PNB HOUSING FINANCE LTD', 'mortgagors': [{'pan': 'APKPK1334E', 'name': 'NILESH KUMAR', 'address': 'Flat No:C501, Floor No:G, Building Name:KANKIA SEVEN, WING C, FLAT NO C 501, Road:A.K. ROAD ANDHERI ESAT JB NAGAR, ANDHERI MAROLE MUMBAI, MUMBAI, City:MUMBAI, State:MAHARASHTRA, District:MUMBAI, Pin:400059'}], 'title_deed': 'Agreement to Sale :13551/2026 SRO PANVEL-5', 'filing_date': '2026-10-08', 'loan_amount': 4935000.0, 'payment_lines': [{'ref': 'MH009827458202627E', 'head': 'Stamp Duty', 'dated': '08/09/2026', 'amount': 14805.0, 'ref_kind': 'GRN'}, {'ref': 'MH009827458202627E', 'head': 'Filing Fee', 'dated': '08/09/2026', 'amount': 15000.0, 'ref_kind': 'GRN'}, {'ref': '1026077114027', 'head': 'Document Handling Charges', 'dated': '07/10/2026', 'amount': 300.0, 'ref_kind': 'PRN'}], 'date_of_mortgage': '2026-10-07'}

Technical record (for Abhijit — safe to ignore)

1h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 08 Sep, 12:49 acknowledged the papers and the payment — the drafts it answers are taken off", 'count': 2, 'kinds': ['ack', 'ack_docs']}
14h ago	EzDocs	case_reevaluated	{'stage_after': 'INDEX2_SENT'}
14h ago	EzDocs	match_confirmed	{'how': "EzDocs looked again at this payment against the case's own papers and confirmed it", 'who': 'EzDocs', 'why': "this case's payment screenshot shows this very payment — ₹31,605 at 11:49", 'sms_id': '1c45c597-54b0-
1d ago	EzDocs	reader_efiling_verdict	{'fp': '79a5125adc6ac789', '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.',
5d 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"}
5d ago	EzDocs	desk_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': 'IndexII999071026073
6d ago	EzDocs	dhc_prn_read	{'prn': '1026077114027', 'why': "the Document Handling Charges' PRN, as the filed notice prints it — beside the challan's GRN in the MIS", 'file': 'eFilingDoc9990710260737.pdf', 'from': "the filed notice's own text", 'gr
6d ago	EzDocs	efiling_copy_read	{'why': "the filed notice, read back as we's own e-filing sample for the bank", 'file': 'eFilingDoc9990710260737.pdf', 'token': '9990710260737', 'doc_id': 'fdb2d512-3e9b-43b3-b359-b6d9f3ed2880', 'mortgagors': 1}
6d 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':
6d ago	EzDocs	desk_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': 'eFilingDoc999071026
8d ago	EzDocs	trail_read	{'why': 'EzDocs 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', 'challan', 'challan_shared', 'index
8d ago	EzDocs	document_unreadable	{'reason': 'this is a photograph of a passport-size print, not a live selfie', 'doc_type': 'selfie'}
8d ago	EzDocs	document_received	{'file': 'IMG-20260810-WA0061.jpg', 'doc_type': 'selfie', 'confidence': 1.0}
19d ago	EzDocs	index2_docno_read	{'why': "the title deed box takes the page's OWN number, as its header prints it — never a number it quotes for an earlier sale", 'file': 'INDEX II.pdf', 'doc_id': 'a0a54dc3-815b-4e76-8bed-a6c6a49ecded', 'header_sro': 'स
25d ago	EzDocs	challan_boxes_gathered	{'why': "the challan's boxes (locality, city, PIN) were empty on the case while a paper on it carries them — EzDocs was asked for exactly those; a person checks them on the verification page", 'filled': ['road'], 'st
25d ago	EzDocs	boxes_gathered	{'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['INDEX II.pdf', 'Sanction letter (4).pdf', 'KYC (3).pdf'], 'after': {'addresses': {'people': [['NILESH KUMAR', []]], 'property': [['s
25d ago	EzDocs	address_compared	{'sig': '586558e29f8d4249', 'why': 'after gather', 'people': [{'home': 'Villa No - 25, 0, B S Green Life, Gunjur Road Varthur, Balagere, Gunjur, Bengaluru, 560087', 'person': 'NILESH KUMAR', 'against': [], 'home_src': 'a
25d ago	EzDocs	challan_boxes_composed	{'fp': '4853bbfd813c7f04', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'FLAT NO 2107 21ST FLOOR HERA CHS LTD SURVEY N
25d ago	EzDocs	property_self_check	{'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 17, 'trigger': 'after the Index II takeover'}
25d ago	EzDocs	property_from_index2	{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'INDEX II.pdf', 'changed': {'Area': {'was': '36.21', 'index2': 40.25}
25d ago	EzDocs	index2_people_checked	{'doc_id': 'a0a54dc3-815b-4e76-8bed-a6c6a49ecded', 'differs': 1, 'matched': [{'score': 1.0, 'person': 'NILESH KUMAR', 'pan_agrees': False}], 'not_on_case': 0}
26d ago	EzDocs	challan_boxes_gathered	{'why': "the challan's boxes were empty and no paper on the case gave them — a person must type them from the paper on the verification page", 'filled': [], 'still_empty': []}
26d ago	EzDocs	boxes_gathered	{'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['INDEX II.pdf', 'Sanction letter (4).pdf', 'KYC (3).pdf'], 'after': {'addresses': {'people': [['NILESH KUMAR', []]], 'property': [['s
26d ago	EzDocs	address_compared	{'sig': '5607e0932083ba73', 'why': 'after gather', 'people': [{'home': 'Villa No - 25, 0, B S Green Life, Gunjur Road Varthur, Balagere, Gunjur, Bengaluru, 560087', 'person': 'NILESH KUMAR', 'against': [], 'home_src': 'a
26d ago	EzDocs	challan_boxes_by_rules	{'fp': 'b0f0a355a0bda7f4', 'why': "EzDocs's city is not the case's village / city (PANVEL)"}
26d ago	EzDocs	box_disagreement	{'box': 'home.pin', 'src': 'index2', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': '560087', 'page': 1, 'party': 'NILESH KUMAR', 'qu
26d ago	EzDocs	box_disagreement	{'box': 'home.flat', 'src': 'index2', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': 'Villa No - 25', 'page': 1, 'party': 'NILESH KUM
26d ago	EzDocs	box_disagreement	{'box': 'home.building', 'src': 'index2', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': 'B S Green Life', 'page': 1, 'party': 'NILES
26d ago	EzDocs	box_disagreement	{'box': 'property.Hadd name', 'src': 'index2', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': 'Bhokarpada', 'page': 1, 'party':
26d ago	EzDocs	property_self_check	{'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'box': 'Hadd type', 'why': "The so

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

Papers

2 still needed for the challan

Applicant's Aadhaar Card, Applicant's PAN Card

Money

₹31,605 received — verified

Seen in the account (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: 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. Selfie / photo: copy on file cannot be used. A usable one is being asked for.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered

11:30

Yesterday · 14 Oct2 things — 2 steps

EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records

22:30

EzDocs checked the e-filing boxes against the papers

00:47

10 Oct3 things — 1 document received · 1 letter written · 1 step

Closed from the NOI team's own words — the Index II was already shared with the branch

Nothing more to do on this case.