⚠The PNB mailbox has used 149% of what Google lets it send in 24 hours (744 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
⏳ Older case — the app joined this thread mid-stream. This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
What the e-filing still needsall in
7 of 7 in hand. the challan is done — these are for the IGR filing / KYC
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
All files (6)A label is wrong? Fix it under All documents.
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.
The work is done — our fee of ₹14,110 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹14,110
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹14,060; we wait for the credit itself
Stamp duty 0.3%4,610
Registration fee 0.5%7,680
Government handling320
Our service fee1,500
Total we ask for14,110
Screenshot ₹14,060 — ₹50 under our ask, not below the real calculation ₹14,067. Counts as full. Nothing to ask. Screenshot ₹14,060 — verified by itself the moment the bank credit is heard.why?
The branch paid the bank's own written total. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
This money went to our account on the Samsung (ThinkBigz). That ear is working (last reached us 15 Oct 15:55 — 0 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
By law ₹14,086.67. We ask ₹14,110 (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 ₹14,060 — accept as full (₹50 = our margin).
BANK'S TABLE — INSIDE OUR BUFFER
Bank table ₹14,060. We ask ₹14,110. Difference ₹50 — OK (our margin). Accept ₹14,060 as full. Nothing to collect.why?
Their DHC is ₹300 on the sheet, ours ₹320 (Avinash's policy margin); their rows are rounded. By the Koli ruling (3 Sep) a total inside ₹60 / 0.25% of our ask is paid in full.
the branch's own wordsThe branch's mail said: filing fee (0.50%): bank says Rs.7,660, computed Rs.7,667 (difference Rs.-7); total payable: bank says Rs.14,060, computed Rs.14,087 (difference Rs.-27)
3 Sep 17:05Challan made+21 h 28 min · the NOI team
10 Sep 18:32Index II sent+7 d 1 h · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹15,33,333
Loan account no.
HOU/GHKP/0726/5161171
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.
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 case is complete as all required steps have been finalized. No further action is pending from either party.
the history says the next move is with no one — the case is finished — case closed
the branch last asked: Request for initiate NOI
the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen
✓ loan papers sent — done, mail 1the sentence it relies on is not in that mail — not counted
✓ fee paid — the branch's words — done, mail 1 (2026-08-24)“TOTAL=14060”
✓ challan made — done, mail 4 (2026-08-25)“PFA challan for your reference.”
✓ challan shared — done, mail 4 (2026-08-25)“PFA challan for your reference.”
✓ Index II / sale deed sent by the branch — done, mail 1the sentence it relies on is not in that mail — not counted
✓ filed on the IGR site — done, mail 5 (2026-09-02)“PFA: Downloaded e-filing for your reference.”
✓ e-filing copy shared — done, mail 5 (2026-09-02)“PFA: Downloaded e-filing for your reference.”
✓ 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 30d 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.
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 thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.
----- Original Message ----- From: Rohit 3 (rohit3@phfl.com) Date: 08/24/26 18:50 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com, manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com) Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 Thanks & Regards Rohit Yadav Team Leader Mobile : +91 7905988612 PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com
🤖 read: The branch requests to initiate NOI for MANGESH GACHANDE with a loan amount of 1530000 and provides a breakdown of charges.
3 more mails in between — open
OLThe NOI teamTYPED IN GMAIL 24 Aug, 23:22 · 51d ago
Dear Team We acknowledge the receipt of your mail document and payment.
We will initiate the Challan for the same.
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, < harshal.ghorpade@phfl.com > wrote:
Dear team, Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 loan amount- 1530000 0.3%=4600 0.5%=7660 vender charge =1800 TOTAL=14060 \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Rohit 3 (rohit3@phfl.com) Date: 08/24/26 18:50 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com, manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com) Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 Thanks & Regards Rohit Yadav Team Leader Mobile : +91 7905988612 PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com
🤖 read: challan shared — promised for later — “We will initiate the Challan for the same.”
OLThe NOI teamTYPED IN GMAIL 25 Aug, 11:31 · 51d ago
Team,We acknowledge the receipt of your mail documents and payment.
We will initiate the challan for the same.
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Mon, 24 Aug 2026 at 23:22, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Dear Team We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, < harshal.ghorpade@phfl.com > wrote:
Dear team, Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 loan amount- 1530000 0.3%=4600 0.5%=7660 vender charge =1800 TOTAL=14060 \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Rohit 3 (rohit3@phfl.com) Date: 08/24/26 18:50 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com, manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com) Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 Thanks & Regards Rohit Yadav Team Leader Mobile : +91 7905988612 PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com
🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”
OLThe NOI teamTYPED IN GMAIL 25 Aug, 12:09 · 51d ago
Team,PFA challan for your reference.
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 25 Aug 2026 at 11:31, 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. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Mon, 24 Aug 2026 at 23:22, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Dear Team We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, < harshal.ghorpade@phfl.com > wrote:
Dear team, Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 loan amount- 1530000 0.3%=4600 0.5%=7660 vender charge =1800 TOTAL=14060 \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Rohit 3 (rohit3@phfl.com) Date: 08/24/26 18:50 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com, manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com) Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 Thanks & Regards Rohit Yadav Team Leader Mobile : +91 7905988612 PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com
Team,
PFA challan for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 25 Aug 2026 at 11:31, 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.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Mon, 24 Aug 2026 at 23:22, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
> Dear Team
>
> We acknowledge the receipt of your mail document and payment. We will
> initiate the Challan for the same.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974*
>
> On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, <
> harshal.ghorpade@phfl.com> wrote:
>
>> Dear team,
>>
>>
>> Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
>> MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>
>> loan amount- 1530000
>>
>> 0.3%=4600
>> 0.5%=7660
>> vender charge =1800
>>
>> TOTAL=14060
>>
>> *\*
>>
>> Thanks & Regards,
>>
>> Harshal Hanamant Ghorpade
>>
>> Branch Operation Executive
>>
>> PNB Housing Finance Ltd,
>>
>> 601-602, Sixth Floor, Presidential Plaza,
>>
>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>
>> Mumbai Maharashtra – 400086
>>
>> Toll Free: 022-49788047
>>
>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>
>> <https://play.google.com/store/apps/details?id=com.pnbhfl.pnbhfl2>
>>
>> ----- Original Message -----
>> ------------------------------
>> From: Rohit 3 (rohit3@phfl.com)
>> Date: 08/24/26 18:50
>> To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
>> Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com,
>> manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com)
>> Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI
>> charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>
>> e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in
>> case of MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>
>> Thanks & Regards
>>
>> Rohit Yadav
>>
>> Team Leader
>>
>> Mobile*:* +91 7905988612
>>
>> PNB Housing Finance Ltd,
>>
>> 601-602, Sixth Floor, Presidential Plaza,
>>
>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>
>> Mumbai Maharashtra – 400086
>>
>> Toll Free: 022-49788047
>>
>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>
>
🤖 read: challan shared ✓ — “PFA challan for your reference.”
OLThe NOI teamTYPED IN GMAIL 02 Sep, 19:09 · 42d ago
TEAM,PFA: Downloaded e-filing for your reference.
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Tue, 25 Aug 2026 at 12:09, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Team, PFA challan for your reference. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Tue, 25 Aug 2026 at 11:31, 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. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Mon, 24 Aug 2026 at 23:22, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote: Dear Team We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same. Regards, NOI Coordinator (PNB) ThinkBigz M:- 8097244974 On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, < harshal.ghorpade@phfl.com > wrote:
Dear team, Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 loan amount- 1530000 0.3%=4600 0.5%=7660 vender charge =1800 TOTAL=14060 \ Thanks & Regards, Harshal Hanamant Ghorpade Branch Operation Executive PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com ----- Original Message ----- From: Rohit 3 (rohit3@phfl.com) Date: 08/24/26 18:50 To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com) Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com, manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com) Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171 Thanks & Regards Rohit Yadav Team Leader Mobile : +91 7905988612 PNB Housing Finance Ltd, 601-602, Sixth Floor, Presidential Plaza, L.B.S, Opp. R City Mall, Ghatkopar(West), Mumbai Maharashtra – 400086 Toll Free: 022-49788047 Website : www.pnbhousing.com
TEAM,
PFA: Downloaded e-filing for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 25 Aug 2026 at 12:09, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
Team,
PFA challan for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Tue, 25 Aug 2026 at 11:31, 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.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Mon, 24 Aug 2026 at 23:22, THINKBIGZ NOI <pnb.noifilling@gmail.com>
> wrote:
>
>> Dear Team
>>
>> We acknowledge the receipt of your mail document and payment. We will
>> initiate the Challan for the same.
>>
>> *Regards,*
>>
>> *NOI Coordinator (PNB)*
>> *ThinkBigz*
>> *M:-8097244974 <(809)%20724-4974>*
>>
>> On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, <
>> harshal.ghorpade@phfl.com> wrote:
>>
>>> Dear team,
>>>
>>>
>>> Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
>>> MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>>
>>> loan amount- 1530000
>>>
>>> 0.3%=4600
>>> 0.5%=7660
>>> vender charge =1800
>>>
>>> TOTAL=14060
>>>
>>> *\*
>>>
>>> Thanks & Regards,
>>>
>>> Harshal Hanamant Ghorpade
>>>
>>> Branch Operation Executive
>>>
>>> PNB Housing Finance Ltd,
>>>
>>> 601-602, Sixth Floor, Presidential Plaza,
>>>
>>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>>
>>> Mumbai Maharashtra – 400086
>>>
>>> Toll Free: 022-49788047
>>>
>>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>>
>>> <https://play.google.com/store/apps/details?id=com.pnbhfl.pnbhfl2>
>>>
>>> ----- Original Message -----
>>> ------------------------------
>>> From: Rohit 3 (rohit3@phfl.com)
>>> Date: 08/24/26 18:50
>>> To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
>>> Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com,
>>> manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com)
>>> Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI
>>> charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>>
>>> e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in
>>> case of MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>>
>>> Thanks & Regards
>>>
>>> Rohit Yadav
>>>
>>> Team Leader
>>>
>>> Mobile*:* +91 7905988612 <+91%2079059%2088612>
>>>
>>> PNB Housing Finance Ltd,
>>>
>>> 601-602, Sixth Floor, Presidential Plaza,
>>>
>>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>>
>>> Mumbai Maharashtra – 400086
>>>
>>> Toll Free: 022-49788047
>>>
>>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>>
>>
🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference.”
OLThe NOI teamTYPED IN GMAIL 10 Sep, 14:12 · 35d ago
Dear Team,
PFA index 2 copy for case closure..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Wed, 2 Sept 2026 at 19:09, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
TEAM,
PFA: Downloaded e-filing for your reference.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Tue, 25 Aug 2026 at 12:09, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
> Team,
> PFA challan for your reference.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Tue, 25 Aug 2026 at 11:31, 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.
>>
>> *Regards,*
>>
>> *NOI Coordinator (PNB)*
>> *ThinkBigz*
>> *M:-8097244974 <(809)%20724-4974>*
>>
>>
>> On Mon, 24 Aug 2026 at 23:22, THINKBIGZ NOI <pnb.noifilling@gmail.com>
>> wrote:
>>
>>> Dear Team
>>>
>>> We acknowledge the receipt of your mail document and payment. We will
>>> initiate the Challan for the same.
>>>
>>> *Regards,*
>>>
>>> *NOI Coordinator (PNB)*
>>> *ThinkBigz*
>>> *M:-8097244974 <(809)%20724-4974>*
>>>
>>> On Mon, 24 Aug, 2026, 22:10 Harshal Hanamant Ghorpade, <
>>> harshal.ghorpade@phfl.com> wrote:
>>>
>>>> Dear team,
>>>>
>>>>
>>>> Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
>>>> MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>>>
>>>> loan amount- 1530000
>>>>
>>>> 0.3%=4600
>>>> 0.5%=7660
>>>> vender charge =1800
>>>>
>>>> TOTAL=14060
>>>>
>>>> *\*
>>>>
>>>> Thanks & Regards,
>>>>
>>>> Harshal Hanamant Ghorpade
>>>>
>>>> Branch Operation Executive
>>>>
>>>> PNB Housing Finance Ltd,
>>>>
>>>> 601-602, Sixth Floor, Presidential Plaza,
>>>>
>>>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>>>
>>>> Mumbai Maharashtra – 400086
>>>>
>>>> Toll Free: 022-49788047
>>>>
>>>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>>>
>>>> <https://play.google.com/store/apps/details?id=com.pnbhfl.pnbhfl2>
>>>>
>>>> ----- Original Message -----
>>>> ------------------------------
>>>> From: Rohit 3 (rohit3@phfl.com)
>>>> Date: 08/24/26 18:50
>>>> To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
>>>> Cc: anu.mali@pnbhousing.com, shekhar.more@pnbhousing.com,
>>>> manoj.kambali@phfl.com, samyukta.pulikal1 (samyukta.pulikal1@phfl.com)
>>>> Subject: Re: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI
>>>> charges in case of MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>>>
>>>> e: Re[2]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in
>>>> case of MANGESH GACHANDE // HOU/GHKP/0726/5161171
>>>>
>>>> Thanks & Regards
>>>>
>>>> Rohit Yadav
>>>>
>>>> Team Leader
>>>>
>>>> Mobile*:* +91 7905988612 <+91%2079059%2088612>
>>>>
>>>> PNB Housing Finance Ltd,
>>>>
>>>> 601-602, Sixth Floor, Presidential Plaza,
>>>>
>>>> L.B.S, Opp. R City Mall, Ghatkopar(West),
>>>>
>>>> Mumbai Maharashtra – 400086
>>>>
>>>> Toll Free: 022-49788047
>>>>
>>>> Website : <http://www.pnbhousing.com/>www.pnbhousing.com
>>>>
>>>
🤖 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.
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 ₹14,110
Where it stands waiting for the credit
Screenshot claims ₹14,060
Screenshot ₹14,060 — ₹50 under our ask, not below the real calculation ₹14,067. Counts as full. Nothing to ask. Screenshot ₹14,060 — verified by itself the moment the bank credit is heard.why?
The branch paid the bank's own written total. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
Paid at —
Verified on not yet
Fee working (ours)
Stamp duty
Filing fee
DHC
Our service fee
Total
₹4,610
₹7,680
₹320
₹1,500
₹14,110
By law ₹14,086.67. We ask ₹14,110 (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.
Empty: Date of Mortgage, Property type (Open / Building / Open + Building), Area, Area unit (Sq.mt. / Sq.ft.), Title deed held by the bank (Agreement to Sale / Sale Deed …), Title deed no / year / SRO …
8 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Second number type, Second number, 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.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
SKM_22726082418041.pdf
as printed FLAT NO.204, 2ND FLOOR, B-WING, KOKAN DARSHAN CO OP HSG SOC LTD, KOKAN DARSHAN, THANE- BELAPUR ROAD, VITAWA, KALWA, NEAR SAI WAMAN PARK / VITAWA SHAMSHAN BHUMI, SURY, THANE, NEW SURYA NAGAR ROAD, THANE, MAHARASHTRA, INDIA, 400605
the Index II also prints: 1, 204/, 34, 342, 342/1, 85, AANI, APA, BAABATA, BI, BILTA, CHAU, DUSARAA, HAAUSINGA, HISSAA, HYAA
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
MANGESH MARUTI GACHANDE
BNXPG8232K
All mail records (for Abhijit — safe to ignore)
Template
To
When
fee quote
harshal.ghorpade@phfl.com
42d ago
documents acknowledged
harshal.ghorpade@phfl.com
42d ago
What EzDocs read from each document — check anything marked in red
Sanction letterSKM_22726082418041.pdfneeds your check
{'kind': 'index2_input', 'extracted': {'pin': '400605', 'doc_no': 'THN1-10952-2026', 'village': 'कळवा', 'doc_kind': 'Index II', 'doc_year': '2026', 'sro_name': 'सह दु.नि. ठाणे 1', 'area_text': '34.85 चौ. मीटर', 'mortgagee': 'सुप्रिया मंगेश गचांडे', 'filing_fee': 17000, 'mortgagors': ['मोहन गौरू खांबे', 'मंगेश मारुती गचांडे'], 'stamp_duty': 119000, 'filing_date': '2026-08-21', 'loan_amount': 1700000, 'property_text': '1) इतर वर्णनः, इतर माहितीः मौजे कळवा, तालुका आणि जिल्हा ठाणे येथील सर्वे नं 342, हिस्सा नं 1 यावरील कोकण दर्शन कॉ ऑपेराटीव्ह हाऊसिंग सोसायटी लिमिटेड ह्या सोसायटी मधील सदनिका क्र. 204/ बी, दुसरा मजला ज्याचे क्षेत्र 34.85 चौ. मीटर बिल्ट-अप ह्या मिळकती बाबत ( (Survey Number: 342/1;)- ) स्थानिक स्वराज्य संस्थाः ठाणे म.न.पा.', 'survey_numbers': ['342/1']}}
{'why': "the team's own mail of 02 Sep, 19:09 shared the e-filing copy — the drafts it answers are taken off", 'count': 2, 'kinds': ['ack_docs', 'fee_quote']}
30d ago
EzDocs
trail_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': ['fee_paid', 'challan', 'challan_shared', 'fil
33d 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 2.jpg', 'changed': {'pin': {'was': '400605', 'index2': None}, 'flat_
34d 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"}
{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'noi payment.jpg', '
{'now': 'CHALLAN_PAID', 'why': 'we sent the challan on this thread and no branch mail came after it to trigger the usual re-read'}
41d ago
EzDocs
challan_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; the stage follows we's deed"}
42d ago
EzDocs
email_shadowed:ack_docs
{'to': 'harshal.ghorpade@phfl.com', 'body': "Dear Team,\n\nWe acknowledge receipt of your documents for the captioned case (LAN: HOU/GHKP/0726/5161171).\n\n Applicant : MANGESH GACHANDE\n LAN : HOU/GHKP/0726/5161
42d ago
EzDocs
claim_matches_bank_sheet
{'why': "the branch paid its own sheet's total — accepted desk practice; the few rupees of rounding are not a shortfall", 'claimed': 14060.0, 'our_ask': 14110.0, 'bank_total': 14060.0}
42d ago
EzDocs
email_shadowed:fee_quote
{'to': 'harshal.ghorpade@phfl.com', 'body': 'Dear Team,\n\nPlease check the calculation and account details for the captioned case (LAN: HOU/GHKP/0726/5161171).\n\n NOI Charges & Service Fees Calculator - Nestly.in\n L
{'utr': None, 'why': 'payment proof arrived before the case was quoted; held on the case and applied the moment the receivable exists', 'date': '2026-08-24', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 14060.0, '
{'confidence': 1, 'Address': 'FLAT NO.204, 2ND FLOOR, B-WING, Kokan Darshan co op hsg soc ltd, KOKAN DARSHAN, THANE- BELAPUR ROAD, VITAWA, KALWA, NEAR SAI WAMAN PARK / VITAWA SHAMSHAN BHUMI, SURY, Thane, NEW SURYA N
Case diary
the case’s history — what happened,
newest day first
Papers
All 5 in hand
Nothing more to ask the branch for
Money
₹14,060 claimed · credit not seen
Counts as received only on the 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. The work is done — our fee of ₹14,110 is still not in our account. Chase the branch for it.
Today · 15 Oct2 things
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
16:21
An old draft withdrew itself — its asks were already answered
11:10
15 Sep1 thing — 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
07:28
10 Sep3 things — 3 steps
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
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
04:10
EzDocs took 2 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
04:10
3 Sep1 thing — 1 step
Moved to 'challan paid' on the NOI team's own mail
The NOI team's own mail said the challan went — the case followed.
17:05
2 Sep16 things — 6 documents received · 3 letters written · 1 caution · 6 steps
Wrote the documents acknowledged mail — held, silent mode
Re[5]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/
19:37
Wrote the fee quote mail — held, silent mode
Re[5]: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of MANGESH GACHANDE // HOU/GHKP/0726/
19:37
The payment proof already on the case was applied
19:37
The branch's own fee working disagrees with the law
19:37
EzDocs took 3 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
19:37
Index II (title document) received from the branch
19:37
Received: Index II
index 2.jpg
19:37
Payment proof arrived before the case was quoted — held
19:37
Received: Payment screenshot
noi payment.jpg
19:37
PAN found inside the KYC file — no need to ask for it
19:37
Received: Aadhaar
SKM_22726082418040.pdf
19:36
Property address read from the sanction letter
19:36
Received: Sanction letter
SKM_22726082418041.pdf
19:36
Received: Selfie
app photo.jpg
19:36
Received: Selfie
co photo.jpg
19:36
Case opened from the branch's mail
19:36
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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