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PNB Housing
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मराठी S
Cases / NOI-2026-00613

Aarati Jitendra Koli

PNB_HFLLAN HOU/NSK/0826/5196578 Index II shared · done All documentsMails & papers 6
Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs1 still to come
7 of 8 in hand.
the challan is done — these are for the IGR filing / KYC
✓Sanction letteropen
✓Index II — the branch's own title copy, an input; the address was read from itopen
✓E-filing copy (token)open
✓PAN card — inside DocScanner 1 Sept 2026 12-37 pm.pdopen
✓Payment screenshot — money verified — inside DocScanner 1 Sept 2026 12-37 pm.pdopen
✓Selfie / photo — inside DocScanner 1 Sept 2026 12-37 pm.pdopen
Applicant's Aadhaar Card — still needed
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
All files (5)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
For you to check
  • Only the branch's own Index II is on file — not the registered copy of our filing. Mail or upload it.
MoneyAll of it is in
₹28,410
The whole amount reached our account. Nothing is pending on this case.
₹28,440 receivedby the amount alone
Stamp duty 0.3%11,590
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for28,410
paid 3 Sep 16:32:20 · verified 7 Sep 14:03:16 · 3 d 21 h later
How we know
Our own bank told us — 3 Sep 16:32
₹28,440 · UTR AXNGG24613376952 · from BG-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.28440.00,03-09-2026 16:32:20 thru NEFT from AXNGG24613376952/GOOGLE INDIA DIGITAL. Aval Bal 322659.85 CR Helpline 18001800/18002021-PNB”
Matched by: AMOUNT ALONE — a little over our ask
By law ₹28,400. We ask ₹28,410 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Bank's table ₹28,380 — accept as full (₹30 = our margin).
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 5 h 24 minour time · 1 Sep 18:31
Index II 67 h 30 minour time · 10 Sep 18:32
the NOI team 7 d 7 hthe branch 1 d 21 htotal 9 d 5 h
Complete.
Day by day — every step and who held it
1 Sep 13:07Your branch's mail
1 Sep 13:12Fee quoted+5 min · the NOI team
1 Sep 13:12Papers readat once
1 Sep 13:12Property readat once
1 Sep 13:12Papers readat once
1 Sep 18:31Challan made+5 h 19 min · the NOI team
2 Sep 12:31Papers from your branch+18 h · the branch
2 Sep 12:36Papers read+5 min · the NOI team
3 Sep 16:32Payment landed+1 d 3 h · the branch
5 Sep 17:36Filed on IGR — e-filing shared+2 d 1 h · the NOI team
7 Sep 14:03Payment verified+1 d 20 h · the NOI team
10 Sep 18:32Index II sent+3 d 4 h · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹38,60,000
Loan account no.
HOU/NSK/0826/5196578
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

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

CHECKThe PIN code
The sanction letter BASE422003
… agar, Nashik, Bali Mandir Road, Nashik, MAHARASHTRA, India, 422003 422003
The Index II DIFFERS422010
… / 2 अ, 227 / 1 क;)) स्थानिक स्वराज्य संस्थाः नाशिक म.न.पा. 422010
What to do: The challan and the filing follow the sanction letter, the bank's own paper (PIN 422003). Read the papers once — if PIN 422003 is not right, ask the branch before you pay or file.
Compared: the sanction letter, the Index II. Nothing here is typed or changed by itself.

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

The NOI filing process is complete, with all necessary documents exchanged and the filing successfully concluded. No further actions are pending from either party, and the case is closed.
the history says the next move is with no one — the case is finished — nothing
✓ loan papers sent — done, mail 1 (2026-09-01) “Sanction Letter attached”
✓ fee paid — the branch's words — done, mail 1 (2026-09-01) “Payment details attached”
✓ challan made — done, mail 3 (2026-09-01) “PFA challan for your reference..”
✓ challan shared — done, mail 3 (2026-09-01) “PFA challan for your reference..”
? Index II asked for — asked, mail 2 (2026-09-01) “For NOI filing, We need an index 2 copy..”
✓ Index II / sale deed sent by the branch — done, mail 4 (2026-09-02) “PFA INDEX II.”
✓ filed on the IGR site — done, mail 5 (2026-09-05) “PFA downloaded copy of e filing”
✓ e-filing copy shared — done, mail 5 (2026-09-05) “PFA downloaded copy of e filing”
✓ NOI Index II shared — done, mail 6 (2026-09-10) “PFA index 2 copy for case closure..”
read over 6 mail(s), last mail 2026-09-10 · read 32d ago · what EzDocs says informs the page; the step moves by the papers and the checked facts

Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail

1Pay the challan on GRAS, then upload it here

Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.

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

2File the NOI on the IGR site, then tell the branch

then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.

3Send the downloaded e-filing copy

When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.

DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt
4Bank approval snip (Sammaan & Hinduja only)

These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.

No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.

Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.

Filing record (attempts, GRN, token)
AttemptGRNTokenStatusSubmitted
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

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
PA piyush.aher@phfl.com phfl.com
01 Sep, 13:07 · 46d ago
THE FIRST MAIL — how this case began
Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5196578 Applicant Name : AARATI JITENDRA KOLI
Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer nameAARATI JITENDRA KOLI
Loan account (LAN)HOU/NSK/0826/5196578
Loan amount₹38,60,000
Stamp duty 0.30%₹11,580
Registration fee 0.50%₹15,000
DHC₹300
Service / vendor fees₹1,500
Total₹28,380
  • ✓ Sanction Letter — attached
  • ✓ Customer Aadhar Card / co applicant — attached
  • ✓ Customer pan Card / co applicant — attached
  • ✓ Form A2 or Soft copy of photograph — attached
  • ✓ Payment details — attached
*Index II CopyOTC.
Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited
earlier mails quoted below
From: hemant.hire (hemant.hire@phfl.com) Date: 01-09-2026 12:57 pm To: Piyush Santosh Aher (piyush.aher@phfl.com) Subject: Aarti koli NOi Sent from OfficeMail
🤖 read: asks for the challan; says the fee is paid ✓; documents attached; note: Process 0.3 & 0.5 Challan — “Kindly process 0.3 & 0.5 Challan in below case.”
3 more mails in between — open
OL The NOI teamTYPED IN GMAIL
01 Sep, 13:14 · 46d 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 an index 2 copy..

Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 1 Sept 2026 at 13:11, Piyush Santosh Aher < piyush.aher@phfl.com > wrote: Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name AARATI JITENDRA KOLI Lan No HOU/NSK/0826/5196578 Loan Amount 3860000 LOAN AMOUNT 3860000 0.30% 11580 0.50% 15000 FEES 1500 DHC 300 TOTAL 28,380 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC. *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: hemant.hire (hemant.hire@phfl.com) Date: 01-09-2026 12:57 pm To: Piyush Santosh Aher (piyush.aher@phfl.com) Subject: Aarti koli NOi Sent from OfficeMail
🤖 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
01 Sep, 15:07 · 46d ago
Team,PFA challan for your reference..
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 1 Sept 2026 at 13:14, 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 an index 2 copy.. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Tue, 1 Sept 2026 at 13:11, Piyush Santosh Aher < piyush.aher@phfl.com > wrote: Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name AARATI JITENDRA KOLI Lan No HOU/NSK/0826/5196578 Loan Amount 3860000 LOAN AMOUNT 3860000 0.30% 11580 0.50% 15000 FEES 1500 DHC 300 TOTAL 28,380 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC. *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited ----- Forwarded Message ----- From: hemant.hire (hemant.hire@phfl.com) Date: 01-09-2026 12:57 pm To: Piyush Santosh Aher (piyush.aher@phfl.com) Subject: Aarti koli NOi Sent from OfficeMail Team, PFA challan for your reference.. *Regards,* *NOI Coordinator (PNB)* *ThinkBigz* *M:-8097244974* On Tue, 1 Sept 2026 at 13:14, 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 an index 2 copy.. *Regards,* *NOI Coordinator (PNB)* *ThinkBigz* *M:-8097244974 <(809)%20724-4974>* On Tue, 1 Sept 2026 at 13:11, Piyush Santosh Aher <piyush.aher@phfl.com> wrote: > Dear Team, > > Kindly process 0.3 & 0.5 Challan in below case. > > Customer Name > AARATI JITENDRA KOLI > > Lan No > HOU/NSK/0826/5196578 > > Loan Amount 3860000 > > > LOAN AMOUNT 3860000 > 0.30% 11580 > 0.50% 15000 > FEES 1500 > DHC 300 > TOTAL 28,380 > > > *Sanction Letter attached > *Customer Aadhar Card / co applicant attached > *Customer pan Card / co applicant attached > *Index II Copy OTC. > *Form A2 or Soft copy of photograph attached > *Payment details attached > > > SRO No > > Thanks & Regards, > > *Piyush S Aher* > > Branch Operation Executive > > Nashik Branch > > Direct: +91-253-2311672 <+91%20253%20231%201672> > > Toll Free: 1800 120 8800 > > Website-www.pnbhousing.com > > *PHFL Home Loans and Services Limited* > > > > ----- Forwarded Message ----- > ------------------------------ > From: hemant.hire (hemant.hire@phfl.com) > Date: 01-09-2026 12:57 pm > To: Piyush Santosh Aher (piyush.aher@phfl.com) > Subject: Aarti koli NOi > > > > Sent from OfficeMail <http://www.officemail.app/> >
🤖 read: challan shared ✓ — “PFA challan for your reference..”
PA piyush.aher@phfl.com phfl.com
02 Sep, 12:31 · 45d ago
Re[2]: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5196578 Applicant Name : AARATI JITENDRA KOLI
Dear Team,

PFA INDEX II.

Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited
earlier mails quoted below
From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 01-09-2026 01:15 pm To: Piyush Santosh Aher (piyush.aher@phfl.com) Cc: nasik.branch (nasik.branch@pnbhousing.com), Prashant Padhye (prashant.padhye@pnbhousing.com), Hemant Mahendra Hire (hemant.hire@phfl.com) Subject: Re: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5196578 Applicant Name : AARATI JITENDRA KOLI Exercise Secured by Check Point Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, We need an index 2 copy.. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Tue, 1 Sept 2026 at 13:11, Piyush Santosh Aher < piyush.aher@phfl.com > wrote: Dear Team, Kindly process 0.3 & 0.5 Challan in below case. Customer Name AARATI JITENDRA KOLI Lan No HOU/NSK/0826/5196578 Loan Amount 3860000 LOAN AMOUNT 3860000 0.30% 11580 0.50% 15000 FEES 1500 DHC 300 TOTAL 28,380 *Sanction Letter attached *Customer Aadhar Card / co applicant attached *Customer pan Card / co applicant attached *Index II Copy OTC. *Form A2 or Soft copy of photograph attached *Payment details attached SRO No Thanks & Regards, Piyush S Aher Branch Operation Executive Nashik Branch Direct: +91-253-2311672 Toll Free: 1800 120 8800 Website- www.pnbhousing.com PHFL Home Loans and Services Limited From: hemant.hire (hemant.hire@phfl.com) Date: 01-09-2026 12:57 pm To: Piyush Santosh Aher (piyush.aher@phfl.com) Subject: Aarti koli NOi Sent from OfficeMail
🤖 read: documents attached
OL The NOI teamTYPED IN GMAIL
05 Sep, 17:36 · 42d ago

Team,

PFA downloaded copy of e filing

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Wed, 2 Sept 2026 at 12:36, Piyush Santosh Aher <piyush.aher@phfl.com>

wrote:

earlier mails quoted below
Dear Team, PFA INDEX II. Thanks & Regards, *Piyush S Aher* Branch Operation Executive Nashik Branch Direct: +91-253-2311672 <+91%20253%20231%201672> Toll Free: 1800 120 8800 Website-www.pnbhousing.com *PHFL Home Loans and Services Limited* ----- Original Message ----- ------------------------------ From: THINKBIGZ NOI (pnb.noifilling@gmail.com) Date: 01-09-2026 01:15 pm To: Piyush Santosh Aher (piyush.aher@phfl.com) Cc: nasik.branch (nasik.branch@pnbhousing.com), Prashant Padhye ( prashant.padhye@pnbhousing.com), Hemant Mahendra Hire ( hemant.hire@phfl.com) Subject: Re: Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5196578 Applicant Name : AARATI JITENDRA KOLI Secured by Check Point Team, We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, We need an index 2 copy.. *Regards,* *NOI Coordinator (PNB)* *ThinkBigz* *M:-8097244974 <(809)%20724-4974>* On Tue, 1 Sept 2026 at 13:11, Piyush Santosh Aher <piyush.aher@phfl.com> wrote: > Dear Team, > > Kindly process 0.3 & 0.5 Challan in below case. > > Customer Name > AARATI JITENDRA KOLI > > Lan No > HOU/NSK/0826/5196578 > > Loan Amount 3860000 > > > LOAN AMOUNT 3860000 > 0.30% 11580 > 0.50% 15000 > FEES 1500 > DHC 300 > TOTAL 28,380 > > > *Sanction Letter attached > *Customer Aadhar Card / co applicant attached > *Customer pan Card / co applicant attached > *Index II Copy OTC. > *Form A2 or Soft copy of photograph attached > *Payment details attached > > > SRO No > > Thanks & Regards, > > *Piyush S Aher* > > Branch Operation Executive > > Nashik Branch > > Direct: +91-253-2311672 <+91%20253%20231%201672> > > Toll Free: 1800 120 8800 > > Website-www.pnbhousing.com > <https://protect.checkpoint.com/v2/r05/___http://www.pnbhousing.com/___.YXBzMTpwbmJob3VzaW5nOmM6bzpjNDA5M2U1NTIxZDU1YjM2N2NjNDg4YWUzMzhjZjFiYTo3OjliZGY6YjRhNWNjMDMyMmMzMzI3NDIyODc1NmI4ZDBlMzM0NTNjNzlhNDQ5MTI5MmRjOTY5NWVmMjI1MjdjYWI4M2RhZTpoOkY6Rg> > > *PHFL Home Loans and Services Limited* > > > > ----- Forwarded Message ----- > ------------------------------ > From: hemant.hire (hemant.hire@phfl.com) > Date: 01-09-2026 12:57 pm > To: Piyush Santosh Aher (piyush.aher@phfl.com) > Subject: Aarti koli NOi > > > > Sent from OfficeMail > <https://protect.checkpoint.com/v2/r05/___http://www.officemail.app/___.YXBzMTpwbmJob3VzaW5nOmM6bzpjNDA5M2U1NTIxZDU1YjM2N2NjNDg4YWUzMzhjZjFiYTo3OmY5OGU6NzFlYzUyNjAwMWM0M2M5Y2UwM2NlNjExNDUzYjkzNjQ4OWYwYTkyYmM4MTJjYTVmN2Y4ZDkxY2Y3OWY5ZDBjZTpoOkY6Rg> >
🤖 read: e-filing copy shared ✓ — “PFA downloaded copy of e filing”
OL The NOI teamTYPED IN GMAIL
10 Sep, 14:33 · 37d ago
Dear Team,

PFA index 2 copy for case closure..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Sat, 5 Sept 2026 at 17:36, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below
Team, PFA downloaded copy of e filing *Regards,* *NOI Coordinator (PNB)* *ThinkBigz* *M:-8097244974 <(809)%20724-4974>* On Wed, 2 Sept 2026 at 12:36, Piyush Santosh Aher <piyush.aher@phfl.com> wrote: > Dear Team, > > PFA INDEX II. > > Thanks & Regards, > > *Piyush S Aher* > > Branch Operation Executive > > Nashik Branch > > Direct: +91-253-2311672 <+91%20253%20231%201672> > > Toll Free: 1800 120 8800 > > Website-www.pnbhousing.com > > *PHFL Home Loans and Services Limited* > > > > ----- Original Message ----- > ------------------------------ > From: THINKBIGZ NOI (pnb.noifilling@gmail.com) > Date: 01-09-2026 01:15 pm > To: Piyush Santosh Aher (piyush.aher@phfl.com) > Cc: nasik.branch (nasik.branch@pnbhousing.com), Prashant Padhye ( > prashant.padhye@pnbhousing.com), Hemant Mahendra Hire ( > hemant.hire@phfl.com) > Subject: Re: Process 0.3 & 0.5 Challan in case of Loan No : > HOU/NSK/0826/5196578 Applicant Name : AARATI JITENDRA KOLI > > > Secured by Check Point > Team, > > We acknowledge the receipt of your mail documents and payment. We will > initiate the challan for the same. For NOI filing, We need an index 2 copy.. > > *Regards,* > > *NOI Coordinator (PNB)* > *ThinkBigz* > *M:-8097244974 <(809)%20724-4974>* > > > On Tue, 1 Sept 2026 at 13:11, Piyush Santosh Aher <piyush.aher@phfl.com> > wrote: > >> Dear Team, >> >> Kindly process 0.3 & 0.5 Challan in below case. >> >> Customer Name >> AARATI JITENDRA KOLI >> >> Lan No >> HOU/NSK/0826/5196578 >> >> Loan Amount 3860000 >> >> >> LOAN AMOUNT 3860000 >> 0.30% 11580 >> 0.50% 15000 >> FEES 1500 >> DHC 300 >> TOTAL 28,380 >> >> >> *Sanction Letter attached >> *Customer Aadhar Card / co applicant attached >> *Customer pan Card / co applicant attached >> *Index II Copy OTC. >> *Form A2 or Soft copy of photograph attached >> *Payment details attached >> >> >> SRO No >> >> Thanks & Regards, >> >> *Piyush S Aher* >> >> Branch Operation Executive >> >> Nashik Branch >> >> Direct: +91-253-2311672 <+91%20253%20231%201672> >> >> Toll Free: 1800 120 8800 >> >> Website-www.pnbhousing.com >> <https://protect.checkpoint.com/v2/r05/___http://www.pnbhousing.com/___.YXBzMTpwbmJob3VzaW5nOmM6bzpjNDA5M2U1NTIxZDU1YjM2N2NjNDg4YWUzMzhjZjFiYTo3OjliZGY6YjRhNWNjMDMyMmMzMzI3NDIyODc1NmI4ZDBlMzM0NTNjNzlhNDQ5MTI5MmRjOTY5NWVmMjI1MjdjYWI4M2RhZTpoOkY6Rg> >> >> *PHFL Home Loans and Services Limited* >> >> >> >> ----- Forwarded Message ----- >> ------------------------------ >> From: hemant.hire (hemant.hire@phfl.com) >> Date: 01-09-2026 12:57 pm >> To: Piyush Santosh Aher (piyush.aher@phfl.com) >> Subject: Aarti koli NOi >> >> >> >> Sent from OfficeMail >> <https://protect.checkpoint.com/v2/r05/___http://www.officemail.app/___.YXBzMTpwbmJob3VzaW5nOmM6bzpjNDA5M2U1NTIxZDU1YjM2N2NjNDg4YWUzMzhjZjFiYTo3OmY5OGU6NzFlYzUyNjAwMWM0M2M5Y2UwM2NlNjExNDUzYjkzNjQ4OWYwYTkyYmM4MTJjYTVmN2Y4ZDkxY2Y3OWY5ZDBjZTpoOkY6Rg> >> >
🤖 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.

DocumentFile — click to openStatusWhen
Sanction letter+ PAN card inside+ Payment screenshot inside+ Selfie / photo inside DocScanner 1 Sept 2026 12-37 pm.pdf
filed 46d ago
Other image002.jpg
filed 46d ago
Other image001.jpg
filed 46d ago
Index IIthe branch sent this — an input DocScanner 2 Sept 2026 11-21 am (1).pdf
filed 45d ago
E-filing copy (token) AARATI JITENDRA KOLI eFilingDoc9990309260218.pdf
filed 40d 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
₹28,410
Where it stands
VERIFIED — money received
Screenshot claims
—
Paid at
3 Sep 16:32:20
Verified on
7 Sep 14:03:16

Fee working (ours)

Stamp dutyFiling feeDHCOur service feeTotal
₹11,590₹15,000₹320 ₹1,500₹28,410
By law ₹28,400. We ask ₹28,410 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.

Property (must be perfect)

20 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Taluka, Property type (Open / Building / Open + Building), Title deed held by the bank (Agreement to Sale / Sale Deed …), Title deed no / year / SRO, Building (person 1) …
8 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Second number, E-mail (person 1), Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1), PIN (person 1), Village / city (person 1)
EzDocs has not checked these boxes against the document yet — it does within five minutes of a reading.
CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (DocScanner 2 Sept 2026 11-21 am (1).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
⚠ not in the document
Floor
⚠ not in the document
Village / City
⚠ not in the document
Number type (GAT / SURVEY / CTS / PLOT)
✓ in the document
Number
⚠ not in the document
PIN
empty
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 माहिती:, इतर माहिती: तुकडी जिल्हा नाशिक पोट तुकडी तालुका नाशिक पैकी नाशिक महानगरपालिका हदितील मौजे नाशिक शहर-1 हया गांवचे शिवारातील सर्व्हे नं. 227 / 2 अ यांसी क्षेत्र 58 आर 00 चौ.मी. हया पैकी क्षेत्र 30 आर 52.56 चौ.मी. व सर्व्हे नं. 227 / 1 क यांसी क्षेत्र 58 आर 00 चौ.मी. हया पैकी क्षेत्र 1 आर 05 चौ.मी. असे एकुण क्षेत्र 31 आर 57.56 चौ.मी. हया मिळकती बर बांधण्यात येत असलेल्या नक्षत्र अव्हेन्यु हया नावाने ओळखल्या जाणा-या इमारती मधील ए बिल्डींग मधील ए-2 विंग हया मधील चौथ्या मजल्या वरील फ्लॅट नं. ए2-402 यांसी कार्पेट क्षेत्र 55.22 चौ.मी. व सदर फ्लॅट लगत बाल्कनी यांसी कार्पेट क्षेत्र 06.17 चौ.मी. असे एकुण कार्पेट क्षेत्र 61.39 चौ.मी. (( Survey Number: 227 / 2 अ, 227 / 1 क;)) स्थानिक स्वराज्य संस्थाः नाशिक 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
DocScanner 1 Sept 2026 12-37 pm.pdf
as printed
FLAT NO A2-402, 4TH FLOOR, A BUILDING, WING A-2, NAKSHATRA AVENUE, S NO 227/2A AND S NO 227/1C, NASHIK, NEAR KALASKAR NAGAR, NASHIK, BALI MANDIR ROAD, NASHIK, MAHARASHTRA, INDIA, 422003
PIN
422003
the Index II
DocScanner 2 Sept 2026 11-21 am (1).pdf
the property
1) itara varnanah, itara maahiti:, itara maahiti: tukadi jilhaa naashika pota tukadi taalukaa naashika paiki naashika mahaanagarapaalikaa haditila mauje naashika shahara-1 hayaa gaanvache shivaaraatila sarvhe nan. 227 / 2 a yaansi kshetra 58 aara 00 chau.mi. hayaa paiki kshetra 30 aara 52.56 chau.mi. va sarvhe nan. 227 / 1 ka yaansi kshetra 58 aara 00 chau.mi. hayaa paiki kshetra 1 aara 05 chau.mi. ase ekuna kshetra 31 aara 57.56 chau.mi. hayaa milakati bara baandhanyaata yeta asalelyaa nakshatra avhenyu hayaa naavaane olakhalyaa jaanaa-yaa imaarati madhila e bildinga madhila e-2 vinga hayaa madhila chauthyaa majalyaa varila phlata nan. e2-402 yaansi kaarpeta kshetra 55.22 chau.mi. va sadara phlata lagata baalkani yaansi kaarpeta kshetra 06.17 chau.mi. ase ekuna kaarpeta kshetra 61.39 chau.mi. ((SURVEY NUMBER: 227 / 2 a, 227 / 1 ka;)) sthaanika svaraajya sansthaah naashika ma.na.paa.
PIN
422010
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO A2-402 4TH FLOOR A BUILDING WING A-2 NAKSHATRA AVENUE S NO 227/2A AND S NO 227/1C NASHIK
Locality/Road
NEAR KALASKAR NAGAR BALI MANDIR ROAD MAHARASHTRA
Area/City
NASHIK
check or correct a box, the papers beside it →
the Index II also prints: 00, 05, 06, 1, 17, 22, 227, 30, AARA, ASALELYAA, ASE, AVHENYU, BAALKANI, BAANDHANYAATA, BARA, BILDINGA, CHAU, CHAUTHYAA
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
mortgagorAARATI JITENDRA KOLIJGVPK6603M

All mail records (for Abhijit — safe to ignore)
TemplateToWhen
document chasepiyush.aher@phfl.com 46d ago
What EzDocs read from each document — check anything marked in red
Sanction letter DocScanner 1 Sept 2026 12-37 pm.pdf needs your check
lan
HOU/NSK/0826/5196578
legible
True
loan type
Housing Loan
confidence
1.0
loan amount
3680000.0
interest rate
8.2
sanction date
26-Aug-2026
letter version
8
applicant names
AARATI JITENDRA KOLI, JITENDRA GOKUL KOLI
applicant mobile
8888065738
property address
pin: 422003; road: Bali Mandir Road; state: MAHARASHTRA; Flat no: A2-402; district: Nashik; Floor: 4th Floor; landmark: Near Kalaskar Nagar; Address: Flat No A2-402, 4th Floor, A Building, Wing A-2, Nakshatra Ave
insurance premium
180000.0
includes insurance
True
total with insurance
3860000.0
security address verbatim
Flat No A2-402, 4th Floor, A Building, Wing A-2, Nakshatra Avenue, S No 227/2A And S No 227/1C, Nashik, Near Kalaskar Nagar, Nashik, Bali Mandir Road, Nashik, MAHARASHTRA, India, 422003
raw reading (for Abhijit)
{'lan': 'HOU/NSK/0826/5196578', 'legible': True, 'loan_type': 'Housing Loan', 'confidence': 1.0, 'loan_amount': 3680000.0, 'interest_rate': 8.2, 'quality_issue': None, 'sanction_date': '26-Aug-2026', 'letter_version': '8', 'applicant_names': ['AARATI JITENDRA KOLI', 'JITENDRA GOKUL KOLI'], 'applicant_mobile': '8888065738', 'property_address': {'pin': '422003', 'road': 'Bali Mandir Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'A2-402', 'district': 'Nashik', 'floor_no': '4th Floor', 'landmark': 'Near Kalaskar Nagar', 'full_address': 'Flat No A2-402, 4th Floor, A Building, Wing A-2, Nakshatra Avenue, S No 227/2A And S No 227/1C, Nashik, Near Kalaskar Nagar, Nashik, Bali Mandir Road, Nashik, MAHARASHTRA, India, 422003', 'village_city': 'Nashik', 'building_name': 'Nakshatra Avenue', 'survey_or_cts_no': 'S No 227/2A And S No 227/1C'}, 'insurance_premium': 180000.0, 'includes_insurance': True, 'total_with_insurance': 3860000.0, 'security_address_verbatim': 'Flat No A2-402, 4th Floor, A Building, Wing A-2, Nakshatra Avenue, S No 227/2A And S No 227/1C, Nashik, Near Kalaskar Nagar, Nashik, Bali Mandir Road, Nashik, MAHARASHTRA, India, 422003'}
Index II DocScanner 2 Sept 2026 11-21 am (1).pdf needs your check
kind
index2_input
extracted
pin: 422010; doc_no: NSK7-9039-2026; village: नाशिक शहर-1; doc_kind: Index II; doc_year: 2026; sro_name: सह दुय्यम निबंधक, नाशिक-७; area_text: 61.39 चौ. मीटर; filing_fee: 30000; mortgagors: []; stamp_duty: 184300; filing
raw reading (for Abhijit)
{'kind': 'index2_input', 'extracted': {'pin': '422010', 'doc_no': 'NSK7-9039-2026', 'village': 'नाशिक शहर-1', 'doc_kind': 'Index II', 'doc_year': '2026', 'sro_name': 'सह दुय्यम निबंधक, नाशिक-७', 'area_text': '61.39 चौ. मीटर', 'filing_fee': 30000, 'mortgagors': [], 'stamp_duty': 184300, 'filing_date': '2026-08-31', 'loan_amount': 0, 'property_text': '1) इतर वर्णनः, इतर माहिती:, इतर माहिती: तुकडी जिल्हा नाशिक पोट तुकडी तालुका नाशिक पैकी नाशिक महानगरपालिका हदितील मौजे नाशिक शहर-1 हया गांवचे शिवारातील सर्व्हे नं. 227 / 2 अ यांसी क्षेत्र 58 आर 00 चौ.मी. हया पैकी क्षेत्र 30 आर 52.56 चौ.मी. व सर्व्हे नं. 227 / 1 क यांसी क्षेत्र 58 आर 00 चौ.मी. हया पैकी क्षेत्र 1 आर 05 चौ.मी. असे एकुण क्षेत्र 31 आर 57.56 चौ.मी. हया मिळकती बर बांधण्यात येत असलेल्या नक्षत्र अव्हेन्यु हया नावाने ओळखल्या जाणा-या इमारती मधील ए बिल्डींग मधील ए-2 विंग हया मधील चौथ्या मजल्या वरील फ्लॅट नं. ए2-402 यांसी कार्पेट क्षेत्र 55.22 चौ.मी. व सदर फ्लॅट लगत बाल्कनी यांसी कार्पेट क्षेत्र 06.17 चौ.मी. असे एकुण कार्पेट क्षेत्र 61.39 चौ.मी. (( Survey Number: 227 / 2 अ, 227 / 1 क;)) स्थानिक स्वराज्य संस्थाः नाशिक म.न.पा.', 'survey_numbers': ['227 / 2 अ', '227 / 1 क']}}
Sanction letter DocScanner 1 Sept 2026 12-37 pm.pdf needs your check
dob
1996-04-16
pan
JGVPK6603M
name
AARATI JITENDRA KOLI
legible
True
raw reading (for Abhijit)
{'dob': '1996-04-16', 'pan': 'JGVPK6603M', 'name': 'AARATI JITENDRA KOLI', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}
Sanction letter DocScanner 1 Sept 2026 12-37 pm.pdf needs your check
kind
live_selfie
legible
True
confidence
0.95
face visible
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.95, 'face_visible': True, 'quality_issue': None}
Technical record (for Abhijit — safe to ignore)
1m agoEzDocsreader_efiling_verdict{'fp': '5a242c671032051d', 'asked': True, 'findings': [{'do': 'Ask branch for MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'Date of mortgage is required for filing but is empty.', 'page': 'Start page', 'lev
55m agoEzDocsreader_mail_addition{'fp': '6b48e48909b10697', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True}
21d agoEzDocsmail_read_as_shown{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
21d agoEzDocsmail_read_as_shown{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
32d agoEzDocstrail_read{'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_
33d agoEzDocsproperty_attrs_split{'now': {'Number type': 'SURVEY', 'Second number type': 'SURVEY', 'Number': '227/2A', 'Second number': '227/1C'}, 'was': {'Number type': 'SURVEY', 'Second number type': '', 'Number': '227/2A, SURVEY 227/1C', 'Second number': ''}, 'w
35d agoEzDocsproperty_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': 'DocScanner 2 Sept 2026 11-21 am (1).pdf', 'changed': {'pin': {'was': '4220
37d agoEzDocsdesk_documents_backfill{'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 0, 'mailbox': None, 'subject': 'Re: Re[2]: Process 0.3 & 0
37d agoEzDocsclosed_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"}
40d agoEzDocsdesk_documents_backfill{'why': "we mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 1, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re: Re[2
40d agoEzDocsdesk_document_shared{'why': "we 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': 'AARATI JITENDRA KOLI eF
40d agoEzDocssms_matched_late{'ref': 'AXNGG24613376952', 'why': 'this credit had arrived before the case could be matched (no bill yet, or the screenshot came later) — matched now on the same evidence as a live SMS', 'amount': 28440.0, 'method': 'am
40d agoEzDocspayment_verified{'utr': 'AXNGG24613376952', 'why': "paid ₹28,440, ₹30 MORE than our ask of ₹28,410 — the branch's own working; paid in full, nothing to chase (the excess stays on record)", 'delta': 30.0, 'method': 'amount_over_small', '
40d agoEzDocsreceivable_snapshot{'before': {'delta': None, 'status': 'awaiting', 'received': None, 'risk_flags': [], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, 'sms_id': 'e8783c6e
42d agoEzDocsquoted_history_checked{}
43d agoEzDocsextra_challan_scanned{'found': 0}
43d agoEzDocsdocument_reread{'now': ['index2'], 'was': ['index2'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'DocScanner 2 Sept 2026 11-21 am (1).pdf', 'doc_id': '22bc91cb-3832-4931-aa0
43d agoEzDocsdocument_reread{'now': ['pan', 'payment_screenshot', 'sanction_letter', 'selfie'], 'was': ['pan', 'payment_screenshot', 'sanction_letter', 'selfie'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Ratho
43d agoEzDocsselfie_accepted{'kind': 'live_selfie', 'doc_id': 'ec79c4b2-ebe8-4100-bb72-f2565b56965e', 'confidence': 0.95}
45d agoEzDocsproperty_english_extracted{'note': '', 'village': 'Nashik City-1', 'building': 'Nakshatra Avenue, A Building, A-2 Wing', 'specific_unit_found': True}
45d agoEzDocsindex2_input_received{'file': 'DocScanner 2 Sept 2026 11-21 am (1).pdf'}
45d agoEzDocsdocument_received{'file': 'DocScanner 2 Sept 2026 11-21 am (1).pdf', 'doc_type': 'index2', 'confidence': 1.0}
45d agoEzDocsmail_instruction_understood{'amount': 3860000.0, 'phrase': 'Loan Amount 3860000', 'reason': None, 'instructions': ['two_challans'], 'urgent_disbursement': False}
45d agoEzDocsbranch_manifest_read{'declared': {'pan': True, 'selfie': True, 'aadhaar': True, 'title_doc': True, 'sanction_letter': True, 'payment_screenshot': True}}
46d agoEzDocschallan_found_on_case{'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing'}
46d agoEzDocschallan_inferred_from_desk_mail{'why': "we's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread"}
46d agoEzDocsdraft_withdrawn{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ["Dear Team,\n\nWith reference to the captioned case (LAN: HOU/NSK/0826/5196
46d agoEzDocsemail_shadowed:doc_chase{'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: HOU/NSK/0826/5196578), the following is pending from your end:\n\n 1. Applicant's Aadhaar Card — not received yet\n 2. Pa
46d agoEzDocsfee_quote_suppressed{'why': 'the branch stated its own fees and they agree with ours', 'bank_total': 28380.0}
46d agoEzDocsreceivable_created{'expected': 28410.0}

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

Papers
1 still needed for the challan
Applicant's Aadhaar Card
Money
₹28,440 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: Only the branch's own Index II is on file — not the registered copy of our filing. Mail or upload it.
Today · 17 Oct2 things
EzDocs checked the e-filing boxes against the papers
21:46
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
20:52
26 Sep1 thing — 1 step
EzDocs took 2 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
11:01
15 Sep1 thing — 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
07:06
10 Sep2 things — 2 steps
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
20:55
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
18:32
7 Sep5 things — 1 document received · 1 letter written · 3 steps
EzDocs took 2 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
21:01
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
21:00
Received: E-filing copy
AARATI JITENDRA KOLI eFilingDoc9990309260218.pdf
21:00
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
14:03
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
14:03
3 Sep3 things — 3 steps
A file was read again from the start — everything inside it now counts
23:01
A file was read again from the start — everything inside it now counts
22:01
Selfie checked — a live one
A real selfie — usable for the e-filing.
22:01
2 Sep3 things — 1 document received · 2 steps
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
12:37
Index II (title document) received from the branch
12:37
Received: Index II
DocScanner 2 Sept 2026 11-21 am (1).pdf
12:36
1 Sep10 things — 3 documents received · 2 letters written · 5 steps
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
18:31
An old draft withdrew itself — its asks were already answered
18:31
Wrote the document chase mail — held, silent mode
Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0826/5196578 Applicant Name : AARATI JITENDRA KOLI
13:12
No fee quote sent — the branch's own figures were right
13:12
Received: other
image001.jpg
13:12
Received: other
image002.jpg
13:12
Property address read from the sanction letter
13:12
Received: Sanction letter
DocScanner 1 Sept 2026 12-37 pm.pdf
13:12
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
13:12
Case opened from the branch's mail
13:12
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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