⚠The PNB mailbox has used 133% of what Google lets it send in 24 hours (663 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-02978

Kishor Ratanlal Ghanchi

LAN HOU/WRJE/0826/5197288 Challan paid · our move File on IGR Send the draft 1 All documents Mails & 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

✓PAN cardopen

✓Sanction letteropen

✓Aadhaar cardopen

✓Sale deedopen

✓Selfie / photoopen

✓Payment screenshot — shows ₹30,528; money not verified yetopen

✓Paid challan (GRAS)open

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

All files (13)A label is wrong? Fix it under All documents.

Needs your eyes

₹30,528 is counted on NOI-2026-02400, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
₹30,528 is counted on NOI-2026-02400, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
The work is done — our fee of ₹30,460.23 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹30,460.23CASE MARK

Nothing has reached our account yet. Only a credit our bank shows us counts.

₹0 received — the branch’s receipt claims ₹30,528; we wait for the credit itself

Ask for the exact ₹30,460.23. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%13,640

Registration fee 0.5%15,000

Government handling320

Our service fee1,500.23

Total we ask for30,460.23

This payment is from the Vyapar QR (HDFC) at 2026-09-29 — the engine cannot hear this road. Please verify manually. Verify manually ↓

This money went to the HDFC Vyapar QR on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 17:28 — 7 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹30,446.90. We ask ₹30,460 (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.

The money may already be here — 6 credit(s) our bank showed us that no case has taken

Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 50 minour time · 30 Sep 16:38

Index II —not yet

the NOI team 13 d 8 hthe branch 20 mintotal 13 d 9 h so far

Now with the NOI team — e-filing on IGR

since 30 Sep 16:38 — 13 d 8 h of working time

Day by day — every step and who held it

30 Sep 15:29Your branch's mail

30 Sep 15:33Papers read+4 min · the NOI team

30 Sep 15:33Property readat once

30 Sep 15:33Papers readat once

30 Sep 15:34Fee quoted+1 min · the NOI team

30 Sep 15:53Papers from your branch+20 min · the branch

30 Sep 15:57Papers read+3 min · the NOI team

30 Sep 16:38Challan made+42 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹45,42,300

Loan account no.

HOU/WRJE/0826/5197288

Bank’s own ref

—

Kind of case — the amount follows this

0.3% only / top-up: the branch asks for the 0.3% challan alone (a top-up, or a stand-alone 0.3% challan) — the stamp duty and ₹100, nothing is filed. Change this and the amount re-works itself.

Who paid the challan

The ask carries the stamp duty and registration fee we will pay on GRAS. If their own vendor already paid the challans, switch this — the ask re-works to our fee alone.

Open the filing pack all the challan needs

Next step

File the NOI on the IGR site

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.

Before opening the portal, the engine sees:

• payment NOT verified — office rule: no filing before credit

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

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

• check — property second number: the whole-file reading (the draft agreement) says none — the reading names one kind of number; the case holds NEW 60/2B/1

• changed — taluka: the case held PUNE; filled HAVELI — the whole-file reading, from the draft agreement, reads it so

• changed — village: the case held PUNE; filled KONDHWA BK — The draft agreement specifies the village name as Kondhwa Bk, which is the official name.

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

CHECKDisagreement on consideration amount

DRAFT.pdf	Consideration is Rs. 45,00,000 and balance is Rs. 40,50,000
Draft.pdf	Consideration is Rs. 55,00,000 and balance is Rs. 44,10,000

Why it matters: The file contains two different draft agreements (DRAFT.pdf and Draft.pdf) with different sale considerations and balance amounts. Draft.pdf matches the sanctioned loan amount of Rs. 44,10,000 as the balance payable, which suggests it is the final draft.

What to do: Verify with the branch which agreement is the final executed version and ensure the correct consideration is used.

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 shared the challan. The branch still needs to send the Index II copy for the NOI filing.

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

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 1 (2026-09-30) “Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi”

✓ fee paid — the branch's words — done, mail 2 (2026-09-30) “We acknowledge the receipt of your mail documents and payment.”

✓ challan made — done, mail 5 (2026-09-30) “PFA challan for your reference..”

✓ challan shared — done, mail 5 (2026-09-30) “PFA challan for your reference..”

? Index II asked for — asked, mail 2 (2026-09-30) “For NOI filing, We need an index 2 copy and a colour live selfie photo of the applicants..”

read over 6 mail(s), last mail 2026-09-30 · read 13d 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 (13d 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	MH011168985202627E	—	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.

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

NOI case NOI-2026-02978

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents for the captioned case (LAN: HOU/WRJE/0826/5197288).

ApplicantKishor Ratanlal Ghanchi

LANHOU/WRJE/0826/5197288

Loan AmtRs. 45,42,300

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Payment Screenshot with UTR, Sale Deed, Sanction Letter

Your payment advice for Rs. 30,528 (UTR 130437848547) is noted. We are confirming the credit in our account and will begin the challan the moment it reflects — usually the same working day.
You can follow it here - the page says 'received' the moment the credit lands, and the UTR or a second screenshot can be added there:
https://noi-ops-6hp3e3y4bq-el.a.run.app/pay/NOI-2026-02978/a1553d8366af4f7a5c8a2f14

Once the credit is confirmed nothing further is required from your end, and we will share the paid challan on this same thread.

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

RK rajendra.katore@phfl.com phfl.com
30 Sep, 15:29 · 13d ago THE FIRST MAIL — how this case began

Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

📎 Coapplicant Pan.pdf ↗📎 Sanction_letter (96).pdf ↗📎 Coapp Adhar CArd.pdf ↗📎 DRAFT.pdf ↗📎 Coapp Photo.jpg ↗📎 App Adhar.pdf ↗📎 App Pan.pdf ↗📎 App Photo.jpg ↗📎 PHOTO-2026-09-30-11-03-27.jpg ↗

Dear Team,

Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

DetailsChecklist

Loan sanction letter✓ Attached

Index2✓ Attached

PAN copy of the applicant/s✓ Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy✓ Attached

Registration Execution Haveli No

Haveli13

Payment details screenshot with Transaction ID✓ Attached

Transaction ID130437848547

RS - /- 30528

Date of payment mentioned29/09/2026

Regards,
Rajendra Katore
Team Leader
8805079889

🤖 read: documents attached

3 more mails in between — open

OL The NOI teamTYPED IN GMAIL
30 Sep, 15:46 · 13d 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

and a colour live selfie photo of the applicants..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Wed, 30 Sept 2026 at 15:32, Rajendra Tanhaji Katore <
rajendra.katore@phfl.com> wrote:

Dear Team,

Please find attached require document for NOI process in case *Mr. Kishor 
Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288*

Details
Checklist
Loan sanction letter
 Attached
Index2
Attached

PAN copy of the applicant/s
 Attached
Form A2 with Photograph of applicant/s affixed or Passport size 
photographs scan copy
 Attached
Registration Execution Haveli No
Haveli –13
Payment details screenshot with Transaction ID 
 Attached
Transaction ID - 130437848547
RS - /- 30528
Date of payment mentioned
29/09/2026

Regards,
*Rajendra Katore*
*Team Leader*
*8805079889*

🤖 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
30 Sep, 15:47 · 13d 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

and a colour live selfie photo of the applicants..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Wed, 30 Sept 2026 at 15:32, Rajendra Tanhaji Katore <
rajendra.katore@phfl.com> wrote:

Dear Team,

Please find attached require document for NOI process in case *Mr. Kishor
Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288*

Details
Checklist
Loan sanction letter
 Attached
Index2
Attached

PAN copy of the applicant/s
 Attached
Form A2 with Photograph of applicant/s affixed or Passport size
photographs scan copy
 Attached
Registration Execution Haveli No
Haveli –13
Payment details screenshot with Transaction ID
 Attached
Transaction ID - 130437848547
RS - /- 30528
Date of payment mentioned
29/09/2026

Regards,
*Rajendra Katore*
*Team Leader*
*8805079889*

🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”

RK rajendra.katore@phfl.com phfl.com
30 Sep, 15:53 · 13d ago

Re[2]: Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5

📎 PHOTO-2026-09-30-15-53-54.jpg ↗📎 PHOTO-2026-09-30-15-52-57.jpg ↗📎 Draft.pdf ↗

Dear Team,

PFA Live Selfie and Draft.

Regards,
Rajendra Katore
Team Leader
8805079889

earlier mails quoted below

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/30/26 15:48
To: Rajendra Tanhaji Katore ( rajendra.katore@phfl.com )
Cc: Chetan Tambade ( chetan.tambade@pnbhousing.com ), Mayur Jadhav1 ( mayur.jadhav1@pnbhousing.com ), Pooja Amol Thopate ( pooja.thopate@phfl.com ), rohan.dave ( rohan.dave@phfl.com )
Subject:  Re: Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

 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 and a colour live selfie photo of the applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Wed, 30 Sept 2026 at 15:32, Rajendra Tanhaji Katore < rajendra.katore@phfl.com > wrote:
Dear Team,

Please find attached require document for  NOI  process in case  Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

Details
Checklist

Loan sanction letter
Attached

Index2
Attached

PAN copy of the applicant/s
Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy
Attached

Registration Execution Haveli No
Haveli  –13

Payment details screenshot with Transaction ID
Attached
Transaction ID - 130437848547
RS - /- 30528

Date of payment mentioned
29/09/2026

Regards,
Rajendra Katore
Team Leader
8805079889

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
30 Sep, 16:41 · 13d ago

📎 GHANCHI KISHOR RATANLAL EchallanMH01116898 ↗

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 15:56, Rajendra Tanhaji Katore < rajendra.katore@phfl.com > wrote:

Dear Team,

PFA Live Selfie and Draft.

Regards,
Rajendra Katore
Team Leader
8805079889

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/30/26 15:48
To: Rajendra Tanhaji Katore ( rajendra.katore@phfl.com )
Cc: Chetan Tambade ( chetan.tambade@pnbhousing.com ), Mayur Jadhav1 ( mayur.jadhav1@pnbhousing.com ), Pooja Amol Thopate ( pooja.thopate@phfl.com ), rohan.dave ( rohan.dave@phfl.com )
Subject:  Re: Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

 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 and a colour live selfie photo of the applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 30 Sept 2026 at 15:32, Rajendra Tanhaji Katore < rajendra.katore@phfl.com > wrote:
Dear Team,

Please find attached require document for  NOI  process in case  Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

Details
Checklist

Loan sanction letter
Attached

Index2
Attached

PAN copy of the applicant/s
Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy
Attached

Registration Execution Haveli No
Haveli  –13

Payment details screenshot with Transaction ID
Attached
Transaction ID - 130437848547
RS - /- 30528

Date of payment mentioned
29/09/2026

Regards,
Rajendra Katore
Team Leader
8805079889

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

OL The NOI teamTYPED IN GMAIL
30 Sep, 16:42 · 13d ago

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 15:56, Rajendra Tanhaji Katore < rajendra.katore@phfl.com > wrote:

Dear Team,

PFA Live Selfie and Draft.

Regards,
Rajendra Katore
Team Leader
8805079889

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 09/30/26 15:48
To: Rajendra Tanhaji Katore ( rajendra.katore@phfl.com )
Cc: Chetan Tambade ( chetan.tambade@pnbhousing.com ), Mayur Jadhav1 ( mayur.jadhav1@pnbhousing.com ), Pooja Amol Thopate ( pooja.thopate@phfl.com ), rohan.dave ( rohan.dave@phfl.com )
Subject:  Re: Please find attached require document for NOI process in case Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

 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 and a colour live selfie photo of the applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 30 Sept 2026 at 15:32, Rajendra Tanhaji Katore < rajendra.katore@phfl.com > wrote:
Dear Team,

Please find attached require document for  NOI  process in case  Mr. Kishor Ratanlal Ghanchi _______ HOU/WRJE/0826/5197288

Details
Checklist

Loan sanction letter
Attached

Index2
Attached

PAN copy of the applicant/s
Attached

Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy
Attached

Registration Execution Haveli No
Haveli  –13

Payment details screenshot with Transaction ID
Attached
Transaction ID - 130437848547
RS - /- 30528

Date of payment mentioned
29/09/2026

Regards,
Rajendra Katore
Team Leader
8805079889

🤖 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
PAN card	Coapplicant Pan.pdf	filed	13d ago
Sanction letter	Sanction_letter (96).pdf	filed	13d ago
Aadhaar card	Coapp Adhar CArd.pdf	filed	13d ago
Sale deed	DRAFT.pdf	filed	13d ago
Selfie / photo	Coapp Photo.jpg	CANNOT BE READ — clear copy asked	13d ago
Aadhaar card	App Adhar.pdf	filed	13d ago
PAN card	App Pan.pdf	filed	13d ago
Selfie / photo	App Photo.jpg	CANNOT BE READ — clear copy asked	13d ago
Payment screenshot	PHOTO-2026-09-30-11-03-27.jpg	filed	13d ago
Selfie / photo	PHOTO-2026-09-30-15-53-54.jpg	filed	13d ago
Selfie / photo	PHOTO-2026-09-30-15-52-57.jpg	filed	13d ago
Sale deed	Draft.pdf	filed	13d ago
Paid challan (GRAS)	GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf	filed	13d 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
₹30,460.23

Where it stands
waiting for the credit

Screenshot claims
₹30,528 130437848547

This payment is from the Vyapar QR (HDFC) at 2026-09-29 — the engine cannot hear this road. Please verify manually. Verify manually ↓

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹13,640	₹15,000	₹320	₹1,500	₹30,460

By law ₹30,446.90. We ask ₹30,460 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

40 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Title deed no / year / SRO, Mobile (person 1), E-mail (person 1), Floor (person 1), Floor (person 2)

24 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 (13d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (Sanction_letter (96).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

⚠ not in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

⚠ not in the document

Area (sq.mt, carpet)

⚠ not 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.

FLAT NO 103, B WING, SAVALI PARADISE, PUNE, Kondhwa, PUNE, MAHARASHTRA, India

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

Sanction_letter (96).pdf

as printed
FLAT NO 103, OLD S. NO. 96, NEW S. NO. 60/2B/1, B WING, OLD S. NO. 96, NEW S. NO. 60/2C, S. NO. 59 HISSA NO. 1/8/3A AND IV) SURVEY NO. 59, HISSA NO. 2/15/17A, SAVALI PARADISE, PUNE, PUNE, PUNE, KONDHWA, PUNE, MAHARASHTRA, INDIA, 411048

PIN
411048

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 103 OLD S NO 96 NEW S NO 60/2B/1 B WING NEW S NO 60/2C

Locality/Road
S NO 59 HISSA NO 1/8/3A AND IV SURVEY NO 59 HISSA NO 2/15/17A SAVALI PARADISE PUNE KONDHWA

Area/City
PUNE

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
co_mortgagor	MANJULABEN RATANLAL GHANCHI	BGRPG6565Q	…6678
mortgagor	GHANCHI KISHOR RATANLAL	CIOPG9237P	…5852

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
documents acknowledged	rajendra.katore@phfl.com	13d ago

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

PAN card Coapplicant Pan.pdf needs your check

dob
1979-01-01

pan
BGRPG6565Q

name
MANJULABEN RATANLAL GHANCHI

legible
True

father name
MANCHHILAL JI

raw reading (for Abhijit)

{'dob': '1979-01-01', 'pan': 'BGRPG6565Q', 'name': 'MANJULABEN RATANLAL GHANCHI', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'MANCHHILAL JI', 'aadhaar_last4': None, 'quality_issue': None}

Sanction letter Sanction_letter (96).pdf needs your check

lan
HOU/WRJE/0826/5197288

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'GHANCHI KISHOR RATANLAL', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MANJULABEN RATANLAL GHANCHI', 'role': 'co_applicant', 'label': 'Applicant'}

confidence
1.0

rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -4.75% = 8.40% per annum as on the date of execution of the loan agreement

loan amount
4410000.0

rate spread
-4.75

final amount
4542300.0

interest rate
8.4

sanction date
10-Sep-2026

letter version
7

reference rate
13.15

applicant email
kishormodi830@gmail.com

applicant names
GHANCHI KISHOR RATANLAL, MANJULABEN RATANLAL GHANCHI

printed altered
False

applicant mobile
8309943674

balance transfer
False

property address
pin: 411048; state: MAHARASHTRA; taluka: PUNE; flat_no: 103; district: PUNE; full_address: FLAT NO 103, B WING, SAVALI PARADISE, PUNE, Kondhwa, PUNE, MAHARASHTRA, India; village_city: PUNE; building_name: SAVALI PARADISE

insurance premium
132300.0

final amount label
Total Loan Amount

includes insurance
True

total with insurance
4542300.0

security address verbatim
FLAT NO 103, Old S. No. 96, New S. No. 60/2B/1, B WING, Old S. No. 96, New S. No. 60/2C, S. No. 59 Hissa No. 1/8/3A and iv) Survey No. 59, Hissa No. 2/15/17A, SAVALI PARADISE, PUNE, PUNE, Pune, Kondhwa, Pune, MAHARASHTRA

applicant address verbatim
FLAT NO 9 HAVELI NO 12, SR NO 63, HISSA NO 1/2, SHRIKRISHNA NIVAS, KONDHAWA BK, ., Pune, MAHARASHTRA, 411048, Pune, India

raw reading (for Abhijit)

{'lan': 'HOU/WRJE/0826/5197288', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'GHANCHI KISHOR RATANLAL', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MANJULABEN RATANLAL GHANCHI', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -4.75% = 8.40% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 4410000.0, 'rate_spread': -4.75, 'final_amount': 4542300.0, 'interest_rate': 8.4, 'quality_issue': None, 'sanction_date': '10-Sep-2026', 'letter_version': '7', 'reference_rate': 13.15, 'applicant_email': 'kishormodi830@gmail.com', 'applicant_names': ['GHANCHI KISHOR RATANLAL', 'MANJULABEN RATANLAL GHANCHI'], 'printed_altered': False, 'applicant_mobile': '8309943674', 'balance_transfer': False, 'property_address': {'pin': '411048', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'PUNE', 'flat_no': '103', 'district': 'PUNE', 'floor_no': None, 'landmark': None, 'full_address': 'FLAT NO 103, B WING, SAVALI PARADISE, PUNE, Kondhwa, PUNE, MAHARASHTRA, India', 'village_city': 'PUNE', 'building_name': 'SAVALI PARADISE', 'survey_or_cts_no': 'Old S. No. 96, New S. No. 60/2B/1, Old S. No. 96, New S. No. 60/2C, S. No. 59 Hissa No. 1/8/3A, Survey No. 59, Hissa No. 2/15/17A'}, 'insurance_premium': 132300.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 4542300.0, 'security_address_verbatim': 'FLAT NO 103, Old S. No. 96, New S. No. 60/2B/1, B WING, Old S. No. 96, New S. No. 60/2C, S. No. 59 Hissa No. 1/8/3A and iv) Survey No. 59, Hissa No. 2/15/17A, SAVALI PARADISE, PUNE, PUNE, Pune, Kondhwa, Pune, MAHARASHTRA, India, 411048', 'applicant_address_verbatim': 'FLAT NO 9 HAVELI NO 12, SR NO 63, HISSA NO 1/2, SHRIKRISHNA NIVAS, KONDHAWA BK, ., Pune, MAHARASHTRA, 411048, Pune, India'}

Aadhaar card Coapp Adhar CArd.pdf needs your check

dob
1979-01-01

name
Manjulaben Ratanlal Ghanchi

address
pin: 343025; area: Ratan Lal Ghanchi; road: Railway Station Ke Pas; state: Rajasthan; district: Jalor; post_office: Bagra; village_city: Bagra

legible
True

aadhaar last4
6678

raw reading (for Abhijit)

{'dob': '1979-01-01', 'pan': None, 'name': 'Manjulaben Ratanlal Ghanchi', 'mobile': None, 'address': {'pin': '343025', 'area': 'Ratan Lal Ghanchi', 'flat': None, 'road': 'Railway Station Ke Pas', 'floor': None, 'state': 'Rajasthan', 'building': None, 'district': 'Jalor', 'post_office': 'Bagra', 'village_city': 'Bagra'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '6678', 'quality_issue': None}

Selfie / photo Coapp Photo.jpg needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

face visible
True

quality issue
this is a photograph of a passport-size print, not a live selfie

raw reading (for Abhijit)

{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

Payment screenshot PHOTO-2026-09-30-11-03-27.jpg needs your check

utr
130437848547

date
2026-09-29

time
20:40

amount
30528

method
Google Pay

payee upi
....2080@hdfcbank

payer upi
....30-5@okhdfcbank

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
PARMAR BEAUTY CENTER

debit notification text
10:31

raw reading (for Abhijit)

{'utr': '130437848547', 'date': '2026-09-29', 'time': '20:40', 'amount': 30528, 'method': 'Google Pay', 'payee_upi': '....2080@hdfcbank', 'payer_upi': '....30-5@okhdfcbank', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'PARMAR BEAUTY CENTER', 'debit_notification_text': '10:31'}

PAN card App Pan.pdf needs your check

dob
1998-10-30

pan
CIOPG9237P

name
GHANCHI KISHOR RATANLAL

legible
True

father name
RATANMAL BHERAJI GHANCHI

raw reading (for Abhijit)

{'dob': '1998-10-30', 'pan': 'CIOPG9237P', 'name': 'GHANCHI KISHOR RATANLAL', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'RATANMAL BHERAJI GHANCHI', 'aadhaar_last4': None, 'quality_issue': None}

Selfie / photo App Photo.jpg needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

face visible
True

quality issue
this is a photograph of a passport-size print, not a live selfie

raw reading (for Abhijit)

{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

Aadhaar card App Adhar.pdf needs your check

dob
1998-11-30

name
Ghanchi Kishor Ratanlal

mobile
8309943674

address
pin: 384170; flat: NEW, HOUSE; road: DAVE CHAKLO; state: Gujarat; district: Mahesana; post_office: Unjha; village_city: Unjha

legible
True

aadhaar last4
5852

raw reading (for Abhijit)

{'dob': '1998-11-30', 'pan': None, 'name': 'Ghanchi Kishor Ratanlal', 'mobile': '8309943674', 'address': {'pin': '384170', 'area': None, 'flat': 'NEW, HOUSE', 'road': 'DAVE CHAKLO', 'floor': None, 'state': 'Gujarat', 'building': None, 'district': 'Mahesana', 'post_office': 'Unjha', 'village_city': 'Unjha'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '5852', 'quality_issue': None}

Payment screenshot PHOTO-2026-09-30-11-03-27.jpg needs your check

payments inside
bank: Kotak Mahindra Bank; kind: payment_screenshot; payments: [{'utr': '130437848547', 'date': '2026-09-29', 'page': 1, 'time': '20:40', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 30528.0, 'direction': 'debit',

raw reading (for Abhijit)

{'payments_inside': {'bank': 'Kotak Mahindra Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '130437848547', 'date': '2026-09-29', 'page': 1, 'time': '20:40', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 30528.0, 'direction': 'debit', 'narration': 'UPI transaction ID 130437848547 To: THINK BIGZ INITIATIVE PVT LTD ....2080@hdfcbank From: PARMAR BEAUTY CENTER (Kotak Mahindra Bank) ....30-5@okhdfcbank on Google Pay Google transaction ID CICAgPji76rcFg', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '7790', 'account_holder': 'PARMAR BEAUTY CENTER'}}

Selfie / photo PHOTO-2026-09-30-15-53-54.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}

Selfie / photo PHOTO-2026-09-30-15-52-57.jpg needs your check

kind
live_selfie

legible
True

confidence
1

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1, 'face_visible': True, 'quality_issue': None}

Paid challan (GRAS) GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf needs your check

grn
MH011168985202627E

pin
411048

total
28640.0

article
6(1)

defaced
False

bank cin
03006172026093001490

district
PUNE

area city
PUNE

payer pan
CIOXXXXXXP

flat block
FLAT NO 103 1ST FLOOR B WING SAVALI PARADISE WING B OLD S 96 NEW S NO 60/2B/1 NEW S NO 60/2C

payer name
GHANCHI KISHOR RATANLAL

sro office
HVL1_HAVELI NO1 SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=4542300

scheme rows
{'amount': 13640.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX3674

payment date
30/09/2026-16:38:54

road locality
S NO 59 HISSA 1/8/3A AND IV HISSA 2/15/17A KONDHWA BK PUNE

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
4542300

raw reading (for Abhijit)

{'grn': 'MH011168985202627E', 'pin': '411048', 'total': 28640.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026093001490', 'district': 'PUNE', 'area_city': 'PUNE', 'payer_pan': 'CIOXXXXXXP', 'flat_block': 'FLAT NO 103 1ST FLOOR B WING SAVALI PARADISE WING B OLD S 96 NEW S NO 60/2B/1 NEW S NO 60/2C', 'payer_name': 'GHANCHI KISHOR RATANLAL', 'sro_office': 'HVL1_HAVELI NO1 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=4542300', 'scheme_rows': [{'amount': 13640.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3674', 'payment_date': '30/09/2026-16:38:54', 'road_locality': 'S NO 59 HISSA 1/8/3A AND IV HISSA 2/15/17A KONDHWA BK PUNE', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '4542300'}

Paid challan (GRAS) GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Sale deed Draft.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Sale deed DRAFT.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Sanction letter Sanction_letter (96).pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Technical record (for Abhijit — safe to ignore)

11d ago	system:payments	hidden_payment_scan	{'file': 'Sanction_letter (96).pdf', 'kind': None, 'found': 0, 'doc_id': 'c8b11fbe-ca8a-463d-b558-6cdc621e4fa6', 'fetched': True}
11d ago	system:payments	hidden_payment_scan	{'file': 'DRAFT.pdf', 'kind': None, 'found': 0, 'doc_id': '00055c27-0981-48df-8626-ff6ce2bd9f45', 'fetched': True}
11d ago	system:payments	hidden_payment_scan	{'file': 'Draft.pdf', 'kind': None, 'found': 0, 'doc_id': '6a616204-484b-4b0f-b852-f6325b485f04', 'fetched': True}
11d ago	system:payments	hidden_payment_scan	{'file': 'GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf', 'kind': None, 'found': 0, 'doc_id': '27f4e79a-e3ee-4e9a-8ec6-7f0a6e0e5ce1', 'fetched': True}
13d 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': ['documents', 'fee_paid', 'challan', 'challan_sha
13d ago	system:quick	desk_documents_backfill	{'why': "the NOI team mailed this before the engine kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 0, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re:
13d 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 CIxxxxxxXP — no paper on the
13d 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': 'GHANCHI KISHOR RATA
13d 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': 'HVL1_HAVELI NO1 SUB REGISTRAR', 'district': 'PUNE'}
13d ago	system:extract	challan_verified_against_case	{'grn': 'MH011168985202627E', 'file': 'GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
13d ago	system:extract	challan_extracted	{'grn': 'MH011168985202627E', 'file': 'GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 28640.0}
13d ago	system:ops	case_reevaluated	{'stage_after': 'CHALLAN_PAID'}
13d ago	system:ingest	challan_found_on_case	{'was': 'ACKNOWLEDGED', 'why': 'a challan is on the case — it counts; a challan is on file; its amounts could not be read — check it by eye', 'file': 'GHANCHI KISHOR RATANLAL EchallanMH011168985202627E.pdf', 'kind': 'unr
13d 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': '385499', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed HVL1_
13d ago	copilot:DARBAR	copilot_edit	{'n': 15, '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':
13d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': "The typed box is missing '
13d 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': 'Sanction_letter (96).pdf', 'paper': 'the sanction letter', 'not_on_paper': ['BK'], 'reading
13d ago	ops:copilot	challan_numbers_from_reading	{'why': "the property row keeps two numbers; the challan's box must carry every number the paper prints or the office reads another property", 'file': 'Sanction_letter (96).pdf', 'from': 'the sanction letter', 'added': [
13d ago	system:extract	challan_boxes_by_rules	{'fp': '262c2315ab3de68c', 'why': 'a number box 1 carries is written again in box 2 (1, 2)'}
13d ago	ezdocs:reader	reader_mail_addition	{'fp': '03ab51ce98635004', 'add': {}, 'why': 'The mail does not add any missing address details.', 'asked': True, 'quote': '', 'same_property': True}
13d ago	system:reconcile	quoted_history_checked	{}
13d 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': ['documents', 'fee_paid'], 'mails': 4, 'summary':
13d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '6de6b55ccc3a5b71', 'docs': ['DRAFT.pdf', 'Draft.pdf', 'Sanction_letter (96).pdf', 'Coapp Adhar CArd.pdf', 'App Adhar.pdf', 'Coapplicant Pan.pdf', 'App Pan.pdf'], 'loan': {'amount': 4542300, 'made_o
13d ago	ezdocs:reader	case_read_started	{'tag': '6de6b55ccc3a5b71', 'why': 'arrival', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'}
13d ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'new mail', 'docs': ['DRAFT.pdf', 'Draft.pdf', 'Sanction_letter (96).pdf', 'Coapp Adhar CArd.pdf', 'App Adhar.pdf', 'Coapplicant Pan.pdf', 'App Pan.pdf'], 'after': {'addresses': {'people': [['GHANCH
13d ago	system:extract	address_compared	{'sig': '3e711878669f9222', 'why': 'after gather', 'people': [{'home': 'NEW, HOUSE, DAVE CHAKLO, Unjha, Mahesana, 384170', 'person': 'GHANCHI KISHOR RATANLAL', 'against': [{'src': 'sanction_letter', 'why': 'PIN 384170 vs
13d ago	system:extract	challan_boxes_by_rules	{'fp': '262c2315ab3de68c', 'why': 'a number box 1 carries is written again in box 2 (1, 2)'}
13d ago	system:extract	box_disagreement	{'box': 'property.pin', 'src': 'sale_deed', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': '411048', 'page': 1, 'party': None, 'quote
13d ago	system:ingest	documents_read_together	{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 3, 'seconds': 5.9, 'workers': 3}
13d ago	system:ingest	document_received	{'file': 'Draft.pdf', 'doc_type': 'sale_deed', 'confidence': 1.0}

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

Papers

All 7 in hand

Selfie re-sent — an earlier one was a photo of a print

Money

₹30,528 claimed · credit not seen

Counts as received only on the 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

Needs your eyes: ₹30,528 is counted on NOI-2026-02400, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page. ₹30,528 is counted on NOI-2026-02400, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page. The work is done — our fee of ₹30,460.23 is still not in our account. Chase the branch for it.

30 Sep74 things

EzDocs read the whole trail as one conversation — where the case stands is on the page