⚠The PNB mailbox has used 131% of what Google lets it send in 24 hours (656 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-03106

Gautam Becharam Malik

LAN HOU/GHKP/0926/5227647 Challan paid · waiting on the branch Waiting for the Index II Send the draft 3 All documents Mails & papers 4

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs2 still to come

6 of 8 in hand.
the challan is done — these are for the IGR filing / KYC

✓Payment screenshot — money verifiedopen

✓Sanction letteropen

✓PAN cardopen

✓Selfie / photoopen

✓Paid challan (GRAS)open

✓Aadhaar card — inside Gautam Malik and others kyc.pdfopen

Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.

Index II copy / Title document — for the e-filing visit later

All files (10)A label is wrong? Fix it under All documents.

MoneyAll of it is in

₹26,090.21CASE MARK

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

₹26,070 receivedby the amount alone

Stamp duty 0.3%9,270

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.21

Total we ask for26,090.21

paid 30 Sep 19:02:01 · verified 1 Oct 17:53:05 · 22 h 51 min later

How we know

Our own bank told us — 30 Sep 19:02

₹26,070 · UTR AXNGG27329810138 · from JK-PNBSMS-S · a/c …3164

“Ac XX3164 Credited with Rs.26070.00,30-09-2026 19:02:01 thru NEFT from AXNGG27329810138/GOOGLE INDIA DIGITAL . Aval Bal 235427.45 CR Helpline 18001800/18002021-PNB”

Matched by: AMOUNT ALONE — a little under our ask, inside our buffer · counted full inside our buffer

By law ₹26,080.73. We ask ₹26,090 (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 16 minour time · 1 Oct 19:04

Index II —not yet

the NOI team 12 d 15 htotal 12 d 15 h so far

Now with the NOI team — e-filing on IGR

since 1 Oct 19:04 — 12 d 14 h of working time

Day by day — every step and who held it

1 Oct 17:48Your branch's mail

1 Oct 17:48Payment landedat once

1 Oct 17:52Fee quoted+4 min · the NOI team

1 Oct 17:52Papers readat once

1 Oct 17:52Property readat once

1 Oct 17:52Papers readat once

1 Oct 17:53Payment verified+1 min · the NOI team

1 Oct 17:53Ready for the challanat once

1 Oct 19:04Challan made+1 h 11 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹30,86,910

Loan account no.

HOU/GHKP/0926/5227647

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

CONFIRM THE PROPERTY — then file

The engine read these from the sanction letter. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.

District

Thane

Taluka

Bhiwandi

Village

Bhadwad

Number type

SURVEY

Number

Building

Wing A, Project ARZOO GREENS, Block Type 2

Floor

12th Floor, 2nd Floor

Flat / shop no

Unit Flat No. 1203, Unit Flat No. 206

Area

(empty)

Hadd

Thane Municipal Corporation

Read from the sanction letter, not the Index II. New Doc 10-01-2026 17.05.pdf open it · If an Index II is on file, read the property from it.

✗ EzDocs found boxes that do NOT agree with the document (12d ago) — open the verification page; they are marked in red.

Area is empty — the portal will not take a blank. Fill it on the verification page first →

Next step

Wait for the branch's Index II, then file the NOI

The challan is paid. Open the e-filing portal — log in, and the NOI Co-pilot takes it from there: it types the Date of Mortgage (the portal creates the token right then, and it is written on this case), opens each page as the portal turns it yellow, picks every list with EzDocs and reads every page back against the case before it says “filled”. You check, do photo/thumb, and press each Save and the final submit. Then press this so the branch knows — it is what they chase when they ask for the token.

The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. The engine asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.

Before opening the portal, the engine sees:

• DO NOT SAVE — Two properties on one loan: the sanction letter says Unit Flat No. 1203 on 12th Floor and Unit Flat No. 206 on 2nd Floor are both offered as security. The sanction letter lists two separate flats at different levels (12th floor and 2nd floor) as security for this single loan. A Notice of Intimation can only be filed for one property per notice, and the e-filing portal does not allow multiple flat and floor entries under a single property description. Ask the branch to clarify if they want to pay another challan and file two separate notices of intimation, or if only one of the flats is to be filed now.

• Mortgagor pages: SAMPA GAUTAM MALIK is named on the sanction letter (New Doc 10-01-2026 17.05.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

• Mortgagor pages: SAGOTA GAUTAM MALIK is named on the sanction letter (New Doc 10-01-2026 17.05.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

• Mortgagor pages: SANGITA GAUTAM MALIK is named on the sanction letter (New Doc 10-01-2026 17.05.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card

• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save

• 17 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road

New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.

⚠ 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

CHECKTwo properties on one loan

The sanction letter

Unit Flat No. 1203 on 12th Floor and Unit Flat No. 206 on 2nd Floor are both offered as security

Why it matters: Not a question for the bank: one paper only — nothing to set against it.

What to do: Nothing to ask the bank — look once if you like.

Compared: the sanction letter; and the whole-file reading. Nothing here is typed or changed by itself.

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

The team has received the documents and payment, and has generated and shared the challan. The team is now waiting for the branch to send the Index II copy to proceed with the NOI filing.

the trail says the next move is with the branch — the Index II

✓ loan papers sent — done, mail 1 the sentence it relies on is not in that mail — not counted

? fee asked — asked, mail 2 (2026-10-01) “kindly share separate payment screenshot with date and time.”

✓ fee paid — the branch's words — done, mail 3 (2026-10-01) “We acknowledge the receipt of your mail documents and payment.”

✓ challan made — done, mail 4 (2026-10-01) “PFA challan for your reference.”

✓ challan shared — done, mail 4 (2026-10-01) “PFA challan for your reference.”

? Index II asked for — asked, mail 3 (2026-10-01) “For NOI filing, We need an index 2 copy.”

read over 4 mail(s), last mail 2026-10-01 · read 12d 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). The engine 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 found boxes that do NOT agree with the document (12d ago) — open the verification page; they are marked in red.

2File the NOI on the IGR site, then tell the branchYOU ARE HERE

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)

Attempt	GRN	Token	Status	Submitted
#1 principal	MH011260633202627E	—	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

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 the engine wrote on this thread — yours to edit; nothing leaves until you press Send. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

Request for NOI, 0.3 % & 0.5%NOI and MOI charges GAUTAM BECHARAM MALIK // HOU/GHKP/0926/5227647

how it will look to the branch

Dear Team,

With reference to the captioned case (LAN: HOU/GHKP/0926/5227647), the papers on file leave the following open, and we cannot make the challan until it is settled:

Two properties under security — the sanction letter says Flat No. 1203 and Flat No. 206 are both offered as security under row 10.; this case (the branch's request) says GAUTAM BECHARAM MALIK, loan 30,86,910, but does not clarify which flat is being registered under this notice.. Kindly confirm which is right for this NOI.

Kindly confirm on this same email thread, and share the paper that settles each point where one exists. The NOI filing timeline (30 days from the date of mortgage) applies.

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

DRAFT — written by the engine, not sent

Index II pending — NOI NOI-2026-03106 | HOU/GHKP/0926/5227647

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/GHKP/0926/5227647) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 10 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

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

RP rohit3@phfl.com phfl.com
01 Oct, 17:48 · 12d ago THE FIRST MAIL — how this case began

Request for NOI, 0.3 % & 0.5%NOI and MOI charges GAUTAM BECHARAM MALIK // HOU/GHKP/0926/5227647

📎 IMG-20261001-WA0020 (1).jpg ↗📎 New Doc 10-01-2026 17.05.pdf ↗📎 Gautam Malik and others kyc.pdf ↗📎 IMG-20261001-WA0025.jpg ↗📎 PHOTO-2026-01-20-12-33-25.jpg ↗📎 IMG-20261001-WA0024.jpg ↗📎 IMG-20261001-WA0022.jpg ↗📎 FLAT 206 SANGITA MALIK (1).docx ↗📎 Flat-1203-A-TYPE 2-SAGOTA MALIK (1).docx ↗

Dear Team,

Request for NOI , 0.3 % & 0.5% NOI and MOI charges GAUTAM BECHARAM MALIK // HOU/GHKP/0926/5227647

Loan Amt-: 3086910/--

0.3 challan:-9270/-

0.5 Challan: - 15000/-

Vendor charges1800/-

total charges26250

Thanks & Regards,
Rohit Yadav
Team Leader
Mobile: +91-7905988612
PNB  Housing Finance Limited
601-602, 6th Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar West, Mumbai, Maharashtra – 400086  .

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
01 Oct, 18:23 · 12d ago

Team,

kindly share separate payment screenshot with date and time.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 1 Oct 2026 at 17:52, Rohit 3 < rohit3@phfl.com > wrote:

Dear Team,
Request for  NOI  , 0.3 % & 0.5%  NOI  and MOI charges GAUTAM BECHARAM MALIK // HOU/GHKP/0926/5227647

Loan Amt-: 3086910/--
0.3 challan:-9270/-
0.5 Challan: - 15000/-
Vendor charges-1800/-
total charges -26250

Thanks & Regards,
Rohit Yadav
Team Leader
Mobile:  +91-7905988612
PNB  Housing Finance Limited
601-602, 6th Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar West, Mumbai, Maharashtra – 400086  .

🤖 read: asks the branch for a clarification — “kindly share separate payment screenshot with date and time.”

OL The NOI teamTYPED IN GMAIL
01 Oct, 19:01 · 12d 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 Thu, 1 Oct 2026 at 18:23, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,
kindly share separate payment screenshot with date and time.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 1 Oct 2026 at 17:52, Rohit 3 < rohit3@phfl.com > wrote:

Dear Team,
Request for  NOI  , 0.3 % & 0.5%  NOI  and MOI charges GAUTAM BECHARAM MALIK // HOU/GHKP/0926/5227647

Loan Amt-: 3086910/--
0.3 challan:-9270/-
0.5 Challan: - 15000/-
Vendor charges-1800/-
total charges -26250

Thanks & Regards,
Rohit Yadav
Team Leader
Mobile:  +91-7905988612
PNB  Housing Finance Limited
601-602, 6th Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar West, Mumbai, Maharashtra – 400086  .

🤖 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 Oct, 19:06 · 12d ago

📎 GAUTAM B MALIK EchallanMH011260633202627E.↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Thu, 1 Oct 2026 at 19:01, 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 Thu, 1 Oct 2026 at 18:23, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,
kindly share separate payment screenshot with date and time.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Thu, 1 Oct 2026 at 17:52, Rohit 3 < rohit3@phfl.com > wrote:

Dear Team,
Request for  NOI  , 0.3 % & 0.5%  NOI  and MOI charges GAUTAM BECHARAM MALIK // HOU/GHKP/0926/5227647

Loan Amt-: 3086910/--
0.3 challan:-9270/-
0.5 Challan: - 15000/-
Vendor charges-1800/-
total charges -26250

Thanks & Regards,
Rohit Yadav
Team Leader
Mobile:  +91-7905988612
PNB  Housing Finance Limited
601-602, 6th Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar West, Mumbai, Maharashtra – 400086  .

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

Every file the branch sent, and what the engine 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	IMG-20261001-WA0020 (1).jpg	filed	12d ago
Sanction letter	New Doc 10-01-2026 17.05.pdf	filed	12d ago
PAN card+ Aadhaar card inside	Gautam Malik and others kyc.pdf	filed	12d ago
Selfie / photo	IMG-20261001-WA0025.jpg	CANNOT BE READ — clear copy asked	12d ago
Selfie / photo	PHOTO-2026-01-20-12-33-25.jpg	CANNOT BE READ — clear copy asked	12d ago
Selfie / photo	IMG-20261001-WA0024.jpg	filed	12d ago
Selfie / photo	IMG-20261001-WA0022.jpg	filed	12d ago
Other	FLAT 206 SANGITA MALIK (1).docx	unread	12d ago
Other	Flat-1203-A-TYPE 2-SAGOTA MALIK (1).docx	unread	12d ago
Paid challan (GRAS)	GAUTAM B MALIK EchallanMH011260633202627E.pdf	filed	12d 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
₹26,090.21

Where it stands
VERIFIED — money received

Screenshot claims
—

Paid at
30 Sep 19:02:01

Verified on
1 Oct 17:53:05

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹9,270	₹15,000	₹320	₹1,500	₹26,090

By law ₹26,080.73. We ask ₹26,090 (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, Area, Title deed no / year / SRO, Floor (person 1)

19 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, derived, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …

✗ EzDocs found boxes that do NOT agree with the document (12d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (New Doc 10-01-2026 17.05.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)

✓ in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

✓ in the document

Area (sq.mt, carpet)

empty

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.

Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

New Doc 10-01-2026 17.05.pdf

as printed
UNIT FLAT NO. 1203, FLOOR 12TH FLOOR, BLOCK TYPE 2: WING A, PROJECT ARZOO GREENS, S NO 5 H NO 2, VILLAGE BHADWAD, BHIWANDI, THANE, THANE, MAHARASHTRA, INDIA, 421302 UNIT FLAT NO. 206, FLOOR 2ND FLOOR, BLOCK TYPE 2: WING A, PROJECT ARZOO GREENS, S NO 5 H NO 2, VILLAGE BHADWAD, BHIWANDI, THANE, THANE, MAHARASHTRA, INDIA, 421302

PIN
421302

THE CHALLAN, as it will be typed

Flat/Survey Number
UNIT FLAT NO 1203 FLOOR 12TH FLOOR BLOCK TYPE 2 WING A PROJECT ARZOO GREENS S NO 5 H NO 2

Locality/Road
VILLAGE BHADWAD BHIWANDI THANE MAHARASHTRA UNIT FLAT NO 206 FLOOR 2ND FLOOR

Area/City
THANE

check or correct a box, the papers beside it →

Every paper prints the same words as the base paper.

Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base 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	GAUTAM BECHARAM MALIK	AMOPM0722F

All mail records (for Abhijit — safe to ignore)

3 mail(s) written and held — read and send them on Draft mails.

Template	To	When
acknowledgement	rohit3@phfl.com	12d ago
questions for the branch — what the papers leave open	rohit3@phfl.com	12d ago
Index II chase	rohit3@phfl.com	10d ago
Index II chase	rohit3@phfl.com	7d ago
Index II chase	rohit3@phfl.com	4d ago
Index II chase	rohit3@phfl.com	1d ago

What the engine read from each document — check anything marked in red

Payment screenshot IMG-20261001-WA0020 (1).jpg needs your check

payments inside
kind: payment_screenshot; payments: [{'utr': None, 'date': None, 'page': 1, 'time': '14:51', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 2000.0, 'direction': 'credit', 'narration': 'Malik NOI charges', 'proof_kin

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'payment_screenshot', 'payments': [{'utr': None, 'date': None, 'page': 1, 'time': '14:51', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 2000.0, 'direction': 'credit', 'narration': 'Malik NOI charges', 'proof_kind': 'success_screen'}, {'utr': None, 'date': None, 'page': 1, 'time': '14:51', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 24250.0, 'direction': 'credit', 'narration': 'Malik NOI charges', 'proof_kind': 'success_screen'}], 'rows_read': 2, 'account_last4': None, 'account_holder': None}}

Selfie / photo IMG-20261001-WA0025.jpg needs your check

kind
group_or_other

legible
False

confidence
0.9

face visible
True

quality issue
this is a photograph of a person, not a live selfie

raw reading (for Abhijit)

{'kind': 'group_or_other', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a person, not a live selfie'}

Sanction letter New Doc 10-01-2026 17.05.pdf needs your check

lan
HOU/GHKP/0926/5227647

legible
True

purpose
Housing Loan, Housing

confidence
1

rate words
13.15% per annum 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement

loan amount
2997000

rate spread
-4.65

final amount
3086910

interest rate
8.5

sanction date
30-Sep-2026

letter version
9

reference rate
13.15

applicant email
sangitamalik56@gmail.com

applicant names
GAUTAM BECHARAM MALIK, SAMPA GAUTAM MALIK, SAGOTA GAUTAM MALIK, SANGITA GAUTAM MALIK

printed altered
False

applicant mobile
7039487328

balance transfer
False

property address
pin: 421302; state: MAHARASHTRA; taluka: Bhiwandi; flat_no: 1203; district: Thane; floor_no: 12th Floor; full_address: Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2. Vill

insurance premium
89910

final amount label
Total Loan Amount

includes insurance
True

total with insurance
3086910

security address verbatim
Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2. Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing

applicant address verbatim
E-8 MATA VAISHNAIDEVI RAH SANGH, SUBHASH NAGAR-2, ANDHERI-EAST, ., Mumbai, MAHARASHTRA. 400093, Mumbai, India

raw reading (for Abhijit)

{'lan': 'HOU/GHKP/0926/5227647', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [], 'loan_type': None, 'confidence': 1, 'rate_words': '13.15% per annum\n13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2997000, 'rate_spread': -4.65, 'final_amount': 3086910, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '30-Sep-2026', 'letter_version': '9', 'reference_rate': 13.15, 'applicant_email': 'sangitamalik56@gmail.com', 'applicant_names': ['GAUTAM BECHARAM MALIK', 'SAMPA GAUTAM MALIK', 'SAGOTA GAUTAM MALIK', 'SANGITA GAUTAM MALIK'], 'printed_altered': False, 'applicant_mobile': '7039487328', 'balance_transfer': False, 'property_address': {'pin': '421302', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Bhiwandi', 'flat_no': '1203', 'district': 'Thane', 'floor_no': '12th Floor', 'landmark': None, 'full_address': 'Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2. Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302', 'village_city': 'Bhadwad', 'building_name': 'Project ARZOO GREENS', 'survey_or_cts_no': 'S No 5 H No 2'}, 'insurance_premium': 89910, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 3086910, 'security_address_verbatim': 'Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2. Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302', 'applicant_address_verbatim': 'E-8 MATA VAISHNAIDEVI RAH SANGH, SUBHASH NAGAR-2, ANDHERI-EAST, ., Mumbai,\nMAHARASHTRA. 400093, Mumbai, India'}

Selfie / photo PHOTO-2026-01-20-12-33-25.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'}

Selfie / photo IMG-20261001-WA0022.jpg needs your check

kind
live_selfie

legible
True

confidence
1.0

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1.0, 'face_visible': True, 'quality_issue': None}

Selfie / photo IMG-20261001-WA0024.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}

PAN card Gautam Malik and others kyc.pdf needs your check

dob
1972-05-13

pan
AMOPM0722F

legible
True

raw reading (for Abhijit)

{'dob': '1972-05-13', 'pan': 'AMOPM0722F', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

PAN card Gautam Malik and others kyc.pdf needs your check

dob
1972-05-13

pan
AMOPM0722F

legible
True

raw reading (for Abhijit)

{'dob': '1972-05-13', 'pan': 'AMOPM0722F', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter New Doc 10-01-2026 17.05.pdf needs your check

found
True

found in
Security

paper for
loan_ref: HOU/GHKP/0926/5227647; customer_name: GAUTAM BECHARAM MALIK

confidence
1.0

property address
pin: 421302; state: MAHARASHTRA; taluka: Bhiwandi; flat_no: Unit Flat No. 1203, Unit Flat No. 206; district: Thane; floor_no: 12th Floor, 2nd Floor; full_address: Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing

security address verbatim
Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing

raw reading (for Abhijit)

{'found': True, 'found_in': 'Security', 'area_sq_m': None, 'paper_for': {'loan_ref': 'HOU/GHKP/0926/5227647', 'report_id': None, 'customer_name': 'GAUTAM BECHARAM MALIK'}, 'pin_other': None, 'confidence': 1.0, 'address_lines': None, 'property_address': {'pin': '421302', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Bhiwandi', 'flat_no': 'Unit Flat No. 1203, Unit Flat No. 206', 'district': 'Thane', 'floor_no': '12th Floor, 2nd Floor', 'landmark': None, 'full_address': 'Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302', 'village_city': 'Bhadwad', 'building_name': 'Wing A, Project ARZOO GREENS, Block Type 2', 'survey_or_cts_no': 'S No 5 H No 2'}, 'security_address_verbatim': 'Unit Flat No. 1203, Floor 12th Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302 Unit Flat No. 206, Floor 2nd Floor, Block Type 2: Wing A, Project ARZOO GREENS, S No 5 H No 2, Village Bhadwad, Bhiwandi, Thane, Thane, MAHARASHTRA, India, 421302'}

Paid challan (GRAS) GAUTAM B MALIK EchallanMH011260633202627E.pdf needs your check

grn
MH011260633202627E

pin
421302

total
24270.0

article
6(1)

defaced
False

bank cin
03006172026100101351

district
THANE

area city
THANE

payer pan
AMOXXXXXXF

flat block
FLAT NO. 1203 12TH FLOOR FLAT NO. 206 2ND FLOOR BLOCK TYPE 2 WING A PROJECT ARZOO GREENS

payer name
GAUTAM B MALIK

sro office
BVD1_BHIWANDI NO 1 SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3086910

scheme rows
{'amount': 9270.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7328

payment date
01/10/2026-19:04:06

road locality
SURVEY NO 5 HISSA NO 2 VILLAGE BHADWAD BHIWANDI THANE MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
3086910

raw reading (for Abhijit)

{'grn': 'MH011260633202627E', 'pin': '421302', 'total': 24270.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100101351', 'district': 'THANE', 'area_city': 'THANE', 'payer_pan': 'AMOXXXXXXF', 'flat_block': 'FLAT NO. 1203 12TH FLOOR FLAT NO. 206 2ND FLOOR BLOCK TYPE 2 WING A PROJECT ARZOO GREENS', 'payer_name': 'GAUTAM B MALIK', 'sro_office': 'BVD1_BHIWANDI NO 1 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3086910', 'scheme_rows': [{'amount': 9270.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7328', 'payment_date': '01/10/2026-19:04:06', 'road_locality': 'SURVEY NO 5 HISSA NO 2 VILLAGE BHADWAD BHIWANDI THANE MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '3086910'}

Technical record (for Abhijit — safe to ignore)

53m ago	ezdocs:reader	reader_efiling_verdict	{'fp': '52d24fe3144dc1a7', '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 for the e-filin
53m ago	ezdocs:reader	reader_mail_addition	{'fp': '7f63dba54667be08', 'add': {}, 'why': 'The paper describes two units: FLAT NO 1203 and FLAT NO 206. The mail does not describe any unit or property.', 'asked': True, 'quote': '', 'same_property': False}
1d ago	system:emails	email_shadowed:index2_chase	{'to': 'rohit3@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/GHKP/0926/5227647) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
1d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
4d ago	system:emails	email_shadowed:index2_chase	{'to': 'rohit3@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/GHKP/0926/5227647) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
4d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
7d ago	system:emails	email_shadowed:index2_chase	{'to': 'rohit3@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/GHKP/0926/5227647) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
7d ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
10d ago	system:emails	email_shadowed:index2_chase	{'to': 'rohit3@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/GHKP/0926/5227647) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - Index
12d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '7dad81db97ffd69f', 'docs': ['New Doc 10-01-2026 17.05.pdf', 'Gautam Malik and others kyc.pdf'], 'loan': {'amount': 3086910, 'made_of': [{'what': 'sanctioned loan amount', 'paper': 'the sanction let
12d ago	ezdocs:reader	case_read_started	{'tag': '7dad81db97ffd69f', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'}
12d ago	system:reconcile	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', 'landmar
12d ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['New Doc 10-01-2026 17.05.pdf', 'Gautam Malik and others kyc.pdf'], 'notes': None, 'filled': {'property.road': {'src': 'sanction_lett
12d ago	system:extract	challan_boxes_by_rules	{'fp': '29804326b1f1a011', 'why': "'FLAT NO' twice in box 1"}
12d ago	system:ingest	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': ['fee_paid', 'challan', 'challan_shared'], 'mails
12d ago	system:learn	lesson456	{'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed AMxxxxxxXF — no paper on the
12d ago	system:ingest	filing_waits_on_title_doc	{'was': 'VENDOR', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the
12d ago	system:ingest	challan_found_on_case	{'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'GAUTAM B MALIK EchallanMH011260633202627E.pdf', 'kind': 'paid
12d ago	system:ingest	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': 'GAUTAM B MALIK Echa
12d ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'BVD1_BHIWANDI NO 1 SUB REGISTRAR', 'district': 'THANE'}
12d ago	system:extract	challan_verified_against_case	{'grn': 'MH011260633202627E', 'file': 'GAUTAM B MALIK EchallanMH011260633202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
12d ago	system:extract	challan_extracted	{'grn': 'MH011260633202627E', 'file': 'GAUTAM B MALIK EchallanMH011260633202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 24270.0}
12d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '407151', 'lessons': [{'box': 'Taluka', 'words': 'Taluka: the team adds words
12d ago	system:extract	document_reread	{'now': ['sanction_letter'], 'was': ['sanction_letter'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'New Doc 10-01-2026 17.05.pdf', 'doc_id': '1c52c318-f752-4
12d ago	system:extract	property_replaced_from_report	{'why': "this bank's rule puts the letter above the source the property had come from — the unverified boxes are re-read from the letter; a person verifies box by box before anything files", 'file': 'New Doc 10-01-2026 1
12d ago	system:learn	reading_error456	{'box': 'Property box 1', 'why': 'the team typed what this paper prints; this desk typed what no paper prints — this desk read the paper wrong; read again', 'file': 'New Doc 10-01-2026 17.05.pdf', 'ours': 'FLAT NO 1203 1
12d ago	copilot:SANDEEP	copilot_edit	{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours':
12d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "PAPERS DISAGREE: The sanction letter states both Flat No. 1203 and Flat No. 206 are offere
12d ago	ops:copilot	whole_file_hold	{'why': 'EzDocs read the whole file and found two papers that disagree on something the challan would carry', 'stops': ['Two properties under security', 'Missing property title documents']}
12d ago	ops:copilot	reading_boxes_not_the_papers_words	{'why': 'v441: the reading decides — its boxes stand; the words the base paper does not print are said beside the box', 'file': 'New Doc 10-01-2026 17.05.pdf', 'paper': 'the sanction letter', 'not_on_paper': ['SURVEY', '

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

Papers

Challan papers in; e-filing papers pending

For the visit later: Index II copy / Title document

Money

₹26,070 received — verified

Seen in the account (credit SMS or a person's Verify).

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

Today · 14 Oct2 things

reader efiling verdict — by ezdocs:reader

08:28

reader mail addition — by ezdocs:reader

08:28

12 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03106 | HOU/GHKP/0926/5227647

10:00

An old draft withdrew itself — its asks were already answered

10:00

9 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03106 | HOU/GHKP/0926/5227647

10:00

An old draft withdrew itself — its asks were already answered

10:00

6 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03106 | HOU/GHKP/0926/5227647

10:00

An old draft withdrew itself — its asks were already answered

10:00

3 Oct1 thing — 1 letter written

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03106 | HOU/GHKP/0926/5227647