⚠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-2026-03044

Babu Eknath Bhandare

LAN NHL/GHKP/0926/5213002 Ready for challan · our move SHORT ₹3,305.13 Make the challan Send the draft 2 All documents Mails & papers 4

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

Papers for the challanall in

8 of 8 in hand.
everything the challan needs, and where each one stands

Half the challan is paid (0.3% stamp duty ✓). Still to pay: 0.5% registration fee ₹1,580 — make that challan on GRAS (the co-pilot will warn to pay only this), then upload it here too.

Everything for the challan is in. Make it today.

✓Selfie / photoopen

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

✓Sanction letteropen

✓Payment screenshot — SHORT ₹3,305.13 (shows ₹1,045 of ₹4,350.13)open

✓PAN cardopen

✓Aadhaar cardopen

✓Paid challan (GRAS)open

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

✓ PAN and Aadhaar name the same person — checked by the engine: PRATIMA BABU BHANDARE

All files (12)A label is wrong? Fix it under All documents.

Needs your eyes

Payment SHORT by ₹3,305.13 (₹1,045 of ₹4,350.13).
Money received is short — ₹3,305.13 still to come.
Bank under-collected — money at risk — see Facts.

MoneyLess money came

₹1,045of ₹4,350.13CASE MARK

₹3,305.13 of our ask has not arrived yet.

₹1,045 receivedthe receipt's amount and minute agree

The branch sent 2 receipts — 2 of 2 have reached our account:

✓₹1,000seen in our account · 30 Sep 12:04 · by its amount

✓₹45seen in our account · 30 Sep 12:36 · by its UTR3929037792

Ask for the exact ₹4,350.13. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%950

Registration fee 0.5%1,580

Government handling320

Our service fee1,500.13

Total we ask for4,350.13

Screenshot ₹1,045. Case needs ₹4,350.13. SHORT by ₹3,305.13. Ask the branch for the balance.

why?

A screenshot is the branch's claim, not money seen — and this claim is short of what the case needs. It is ₹3,275 below the real calculation of ₹4,320 (government + DHC + our fee) — so it is short whatever the buffer. The NOI team's 'short amount' letter asks for the balance with the table.

paid 30 Sep 12:36:13

How we know

Our own bank told us — 30 Sep 12:36

₹45 · UTR 663929037792 · from CP-HDFCBN-S

“Successful! You have received Rs. 45.00 via HDFC Bank SmartHub Vyapar from BABU EKNAT . RRN-663929037792 , Check: https://1.hdfc.bank.in/HDFCBK/s/Wl6lYpER”

Matched by: the screenshot's amount AND its minute agree with this credit · one of several parts

By law ₹4,340. We ask ₹4,350 (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 ₹1,045 — ₹3,305.13 under our ask: the branch's working is short (see Facts).

BANK UNDER-COLLECTED — money at risk

Bank table ₹1,045. Case needs ₹4,350. SHORT by ₹3,305. Do NOT accept ₹1,045 — ask the branch for ₹4,350.

why?

The branch is asking the borrower for Rs.1,045 where the duty and fees come to Rs.4,340 — Rs.3,295 short. Collect Rs.4,340; a short challan is refused at the SRO counter.

the branch's own words

The branch's mail said: total payable: bank says Rs.1,045, computed Rs.4,340 (difference Rs.-3,295)

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 44 minour time (made after working hours) · 30 Sep 20:45

Index II —not yet

the NOI team 13 d 4 htotal 13 d 4 h so far

Now with the NOI team — making the challan

since 30 Sep 20:45 — 13 d 4 h of working time

Day by day — every step and who held it

30 Sep 20:02Your branch's mail

30 Sep 20:02Payment landedat once

30 Sep 20:02Papers readat once

30 Sep 20:02Fee quotedat once

30 Sep 20:02Property readat once

30 Sep 20:45Challan made+44 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹3,15,000

Loan account no.

NHL/GHKP/0926/5213002

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

Make the challan — after these are in

This case stands at the challan step, but not everything is in: the branch payment is not verified yet. (the team’s own mail did acknowledge the payment — noted, but the engine holds the challan until the credit itself is seen or a person presses Verify; the team can be wrong too, and catching that is the point) Clear those first — chase drafts wait on Draft mails. The five steps, ready for when everything is clear:

Open GRAS for this case — the co-pilot walks the menu (Inspector General of Registration → Pay Without Registration → Citizen → Make Payment to Register Your Document → Pay Stamp Duty & Registration Fee Together) and stops on the challan form.
The form fills itself with NOI-2026-03044 — nothing to type. Green boxes are filled; orange ones want your eyes. (If a link is not where the co-pilot expects, it says so — click that one step yourself and it carries on.) See the challan exactly as it will be typed, the papers beside it →
Check the figures match these:
GRAS will ask exactly: Stamp Duty ₹950 + Registration Fee ₹1,580 = ₹2,530 (also on the Calculator)
Solve the captcha, press Proceed, and pay by the NOI team's netbanking. (The captcha and the money are always yours, never the engine's.)
Download the challan PDF and drop it here — the engine reads the GRN, re-checks every figure and name on it, and writes the bank mail (held on Draft mails for your Send):

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

STOPBorrower is seller not owner

The sanction letter	BABU EKNATH BHANDARE (PAN AJRPB2899N) is the applicant/borrower
The Index II of purchase	Babu Eknath Bhandare is the executant (seller), and Babu Balu Bhandare, Pratima Balu Bhandare, Siddhant Balu Bhandare are the purchasers

Why it matters: The primary borrower Babu Eknath Bhandare (PAN AJRPB2899N) is the seller in the Index II, while the purchasers (owners) are Babu Balu Bhandare (PAN AIGPB6940H) and family. Thus, the borrower does not own the property according to the title document.

What to do: Ask the branch to clarify the ownership of the property and confirm whether Babu Eknath Bhandare or Babu Balu Bhandare is the actual mortgagor/owner.

CHECKCo-applicant name difference

The sanction letter	SIDDHANT BABU BHANDARE
The Index II of purchase	Siddharth Balu Bhandare (सिद्धार्थ बाळू भंडारे)

Why it matters: The co-applicant's name is spelled SIDDHANT in the sanction letter but SIDDHARTH in the Index II, and the father's name is BABU vs BALU.

What to do: Verify the correct spelling of the co-applicant's name from his PAN or Aadhaar card.

Compared: the sanction letter, the Index II; 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 branch has sent the loan documents and the team has created and shared the challan. The team needs to file the NOI on the IGR site.

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

the trail says challan made is done, but the case stands at Ready for challan — the papers on the case do not show it yet; open the mail it names

the trail says challan shared is done, but the case stands at Ready for challan — the papers on the case do not show it yet; open the mail it names

✓ loan papers sent — done, mail 1 (2026-09-30) “Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE”

✓ challan made — done, mail 2 (2026-09-30) “We will initiate the challan for the same.”

✓ challan shared — done, mail 4 (2026-09-30) “PFA challan for your reference.”

✓ Index II / sale deed sent by the branch — done, mail 1 the sentence it relies on is not in that mail — not counted

read over 4 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 hereYOU ARE 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). 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 branch

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

3Send the downloaded e-filing copy

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

DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt

4Bank approval snip (Sammaan & Hinduja only)

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

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

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

Filing record (attempts, GRN, token)

Attempt	GRN	Token	Status	Submitted
#1 principal	MH011193267202627E	—	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

NOI case NOI-2026-03044

Dear Team,

Please check the calculation and account details for the captioned case (LAN: NHL/GHKP/0926/5213002).

NOI Charges & Service Fees Calculator - Nestly.in
  Loan Amount                           : Rs. 3,15,000
  ------------------------------------------------------
  Stamp Duty 0.30%                      : Rs. 950
  Registration Fees 0.50%               : Rs. 1,580
  Govt. Document Handling Charges       : Rs. 320
  Service Fees for NOI Filing           : Rs. 1,500.13
  ------------------------------------------------------
  TOTAL AMOUNT PAYABLE                  : Rs. 4,350.13

Please pay the exact amount, paise included - Rs. 4,350.13. The paise identify your case's credit by themselves, so nothing else is needed for us to recognise it.

Pay online (phone or laptop) - the QR carries the exact amount, one tap opens Google Pay / PhonePe / Paytm, and the payment screenshot goes in right there:
  https://noi-ops-6hp3e3y4bq-el.a.run.app/pay/NOI-2026-03044/6e5a3516fe0c31f67492e0bb

Payment options:
    NEFT / IMPS  THINKBIGZ INITIATIVE PVT LTD · Punjab National Bank
                 A/C 6100002100003164 · IFSC PUNB0610000 · Manpada (Thane West)
    UPI          9892834356m@pnb

Kindly remit and share the payment screenshot with UTR on this same thread (or on the pay page above). We begin the challan as soon as the credit is confirmed in our account.

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

how it will look to the branch

Dear Team,

Please check the calculation and account details for the captioned case (LAN: NHL/GHKP/0926/5213002).

NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount : Rs. 3,15,000

------------------------------------------------------

Stamp Duty 0.30%Rs. 950

Registration Fees 0.50%Rs. 1,580

Govt. Document Handling ChargesRs. 320

Service Fees for NOI FilingRs. 1,500.13

------------------------------------------------------
TOTAL AMOUNT PAYABLE : Rs. 4,350.13

Please pay the exact amount, paise included - Rs. 4,350.13. The paise identify your case's credit by themselves, so nothing else is needed for us to recognise it.

Pay online (phone or laptop) - the QR carries the exact amount, one tap opens Google Pay / PhonePe / Paytm, and the payment screenshot goes in right there:
https://noi-ops-6hp3e3y4bq-el.a.run.app/pay/NOI-2026-03044/6e5a3516fe0c31f67492e0bb

Payment options:

NEFT / IMPS THINKBIGZ INITIATIVE PVT LTD · Punjab National Bank
A/C 6100002100003164 · IFSC PUNB0610000 · Manpada (Thane West)
UPI 9892834356m@pnb

Kindly remit and share the payment screenshot with UTR on this same thread (or on the pay page above). We begin the challan as soon as the credit is confirmed in our account.

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

Re: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH

how it will look to the branch

Dear Team,

With reference to the captioned case (LAN: NHL/GHKP/0926/5213002), the papers on file leave the following open, and we cannot make the challan until it is settled:

Borrower is seller not owner — the sanction letter says BABU EKNATH BHANDARE (PAN AJRPB2899N) is the applicant/borrower; the Index II of purchase says Babu Eknath Bhandare is the executant (seller), and Babu Balu Bhandare, Pratima Balu Bhandare, Siddhant Balu Bhandare ar. 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.

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

HG harshal.ghorpade@phfl.com phfl.com
30 Sep, 20:02 · 13d ago THE FIRST MAIL — how this case began

Re: Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

📎 IMG-20260930-WA0007.jpg ↗📎 babu bhandre index 2 (1) (1).pdf ↗📎 DocScanner 30 Sept 2026 7-32 pm.pdf ↗📎 IMG-20260930-WA0001.jpg ↗📎 IMG-20260930-WA0003.jpg ↗📎 IMG-20260930-WA0004 (1).jpg ↗📎 PAN CD.pdf ↗📎 IMG-20260930-WA0005.jpg ↗📎 IMG-20260930-WA0006.jpg ↗📎 BABU ADHAR CARD 1.pdf ↗📎 pan card mummy.pdf ↗

Dear team,

Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of

Loan amount₹3,15,000

Stamp duty 0.30%₹945

Total₹1,045

- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

vender charge =100

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

​

earlier mails quoted below

From: Manoj Sonu Kambali ( manoj.kambali@phfl.com )
Date: 09/30/26 19:36
To: Harshal Hanamant Ghorpade ( harshal.ghorpade@phfl.com )
Cc: Anu Mali ( anu.mali@pnbhousing.com ), Shekhar More ( shekhar.more@pnbhousing.com ), Samyukta Ranjeet Pulikal 1 ( samyukta.pulikal1@phfl.com ),  rohit3@phfl.com
Subject:  Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

🤖 read: documents attached — “loan amount-315000”

OL The NOI teamTYPED IN GMAIL
30 Sep, 20:27 · 13d 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 Wed, 30 Sept 2026 at 19:56, 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
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

\
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

​

From: Manoj Sonu Kambali ( manoj.kambali@phfl.com )
Date: 09/30/26 19:36
To: Harshal Hanamant Ghorpade ( harshal.ghorpade@phfl.com )
Cc: Anu Mali ( anu.mali@pnbhousing.com ), Shekhar More ( shekhar.more@pnbhousing.com ), Samyukta Ranjeet Pulikal 1 ( samyukta.pulikal1@phfl.com ),  rohit3@phfl.com
Subject:  Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

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

OL The NOI teamTYPED IN GMAIL
30 Sep, 20:47 · 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 20:27, 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 Wed, 30 Sept 2026 at 19:56, 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
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

\
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

​

From: Manoj Sonu Kambali ( manoj.kambali@phfl.com )
Date: 09/30/26 19:36
To: Harshal Hanamant Ghorpade ( harshal.ghorpade@phfl.com )
Cc: Anu Mali ( anu.mali@pnbhousing.com ), Shekhar More ( shekhar.more@pnbhousing.com ), Samyukta Ranjeet Pulikal 1 ( samyukta.pulikal1@phfl.com ),  rohit3@phfl.com
Subject:  Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

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

OL The NOI teamTYPED IN GMAIL
30 Sep, 20:47 · 13d ago

📎 BABU BHANDARE EchallanMH011193267202627E.p ↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 20:27, 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 Wed, 30 Sept 2026 at 19:56, 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
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

\
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

​

From: Manoj Sonu Kambali ( manoj.kambali@phfl.com )
Date: 09/30/26 19:36
To: Harshal Hanamant Ghorpade ( harshal.ghorpade@phfl.com )
Cc: Anu Mali ( anu.mali@pnbhousing.com ), Shekhar More ( shekhar.more@pnbhousing.com ), Samyukta Ranjeet Pulikal 1 ( samyukta.pulikal1@phfl.com ),  rohit3@phfl.com
Subject:  Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of - NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

Request for initiate NOI, 0.3 % & 0.5%NOI and MOI charges in case of
- NHL/GHKP/0926/5213002// BABU EKNATH BHANDARE

​

​

loan amount-315000

0.3%=945/-
vender charge =100

TOTAL=1045/-

🤖 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.

Everything for the challan is in. Make it today.

Document	File — click to open	Status	When
Selfie / photo	IMG-20260930-WA0007.jpg	CANNOT BE READ — clear copy asked	13d ago
Index IIthe branch sent this — an input	babu bhandre index 2 (1) (1).pdf	filed	13d ago
Sanction letter	DocScanner 30 Sept 2026 7-32 pm.pdf	filed	13d ago
Payment screenshot	IMG-20260930-WA0001.jpg	filed	13d ago
Payment screenshot	IMG-20260930-WA0003.jpg	filed	13d ago
Selfie / photo	IMG-20260930-WA0004 (1).jpg	filed	13d ago
PAN card	PAN CD.pdf	filed	13d ago
Aadhaar card	IMG-20260930-WA0005.jpg	filed	13d ago
Aadhaar card	IMG-20260930-WA0006.jpg	filed	13d ago
Aadhaar card	BABU ADHAR CARD 1.pdf	filed	13d ago
PAN card	pan card mummy.pdf	filed	13d ago
Paid challan (GRAS)	BABU BHANDARE EchallanMH011193267202627E.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
₹4,350.13

Where it stands
SHORT — less arrived than needed

Screenshot claims
₹1,045 663929037792

Screenshot ₹1,045. Case needs ₹4,350.13. SHORT by ₹3,305.13. Ask the branch for the balance.

why?

Paid at
30 Sep 12:36:13

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹950	₹1,580	₹320	₹1,500	₹4,350

By law ₹4,340. We ask ₹4,350 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Floor (person 1), Mobile (person 2), Floor (person 2)

19 box(es) highlighted — not from the Index II / the Aadhaar, derived, or EzDocs was not sure: District, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Second number, Floor, Property type (Open / Building / Open + Building), Floor (person 1) …

✗ EzDocs found boxes that do NOT agree with the document (13d ago) — open the verification page; they are marked in red.

CHECKED by the engine, from the Index II — correct any box that is off; a correction clears thissource: the Index II (babu bhandre index 2 (1) (1).pdf) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

⚠ not in the document

Flat / shop no

✓ in the document

Floor

⚠ not in the document

Village / City

⚠ not in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

⚠ not in the document

Area (sq.mt, carpet)

✓ in the document

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

मौजे कुळगांव, येथील स.नं. 64, हि.नं. 9/1 पैकी, प्लॉट नं. 1 व 2 क्षेत्र 606.20 चौ.मी. यावरील प्रभा अपार्टमेंट म्हणजेच प्रभा को-ऑप. हौ. सोसायटी लि. , निवासी सदनिका क्रं. 102, क्षेत्र 542 चौ. फुट म्हणजेच 50.35 चौ.मी. बांधीव, ((Survey 64/9/1पै; Plot Number: 1 व 2;))

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

DocScanner 30 Sept 2026 7-32 pm.pdf

as printed
FLAT NO 102, 1ST FLOOR, PRABHA APARTMENT CHSL, BADLAPUR, (W), BHARAT COLLEGE ROAD, THANE, NEAR BHARAT COLLEGE, THANE, MAHARASHTRA, INDIA, 421503

PIN
421503

the Index II

babu bhandre index 2 (1) (1).pdf

the property
mauje kulagaanva, yethila sa.nan. 64, hi.nan. 9/1 paiki, plota nan. 1 va 2 kshetra 606.20 chau.mi. yaavarila prabhaa apaartamenta mhanajecha prabhaa ko-opa. hau. sosaayati li. , nivaasi sadanikaa kran. 102, kshetra 542 chau. phuta mhanajecha 50.35 chau.mi. baandhiva, ((SURVEY 64/9/1pai; PLOT NUMBER: 1 va 2;))

PIN
I CANNOT TELL

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 102 1ST FLOOR PRABHA APARTMENT CHSL SURVEY NO 64 HISSA NO 9/1

Locality/Road
BADLAPUR W BHARAT COLLEGE ROAD NEAR BHARAT COLLEGE

Area/City
THANE

check or correct a box, the papers beside it →

the Index II also prints: 1, 2, 20, 35, 50, 542, 606, 64, APAARTAMENTA, BAANDHIVA, CANNOT, CHAU, HAU, HI, KO, KRAN, KSHETRA, KULAGAANVA

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	BABU EKNATH BHANDARE	AJRPB2899N	…2260
co_mortgagor	Pratima Babu Bhandare	BRSPB7420D	…6521

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
fee quote	harshal.ghorpade@phfl.com	13d ago
document chase	harshal.ghorpade@phfl.com	13d ago
questions for the branch — what the papers leave open	harshal.ghorpade@phfl.com	13d ago
questions for the branch — what the papers leave open	harshal.ghorpade@phfl.com	12d ago

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

Selfie / photo IMG-20260930-WA0007.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'}

Selfie / photo IMG-20260930-WA0004 (1).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}

Index II babu bhandre index 2 (1) (1).pdf needs your check

kind
index2_input

extracted
pin: I CANNOT TELL; rows: {'r4_palika': 'कुळगांव-बदलापूर इतर वर्णन', 'r11_serial': '5587/2020', 'r14_remark': '(ii) within the limits of any Municipal Council, Nagarpanchayat or Cantonment Area annexed to it, or any rura

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': 'I CANNOT TELL', 'rows': {'r4_palika': 'कुळगांव-बदलापूर इतर वर्णन', 'r11_serial': '5587/2020', 'r14_remark': '(ii) within the limits of any Municipal Council, Nagarpanchayat or Cantonment Area annexed to it, or any rural area within the limits of the Mumbai Metropolitan Region Development Authority or any other Urban area not mentioned in sub clause (i), or the Influence Areas as per the Annual Statement of Rates published under the Maharashtra Stamp (Determination of True Market Value of Property) Rules, 1995.', 'r4_locality': 'पहिला मजला Number :', 'r5_area_text': '50.35 चौ. मीटर', 'r7_executants': [{'age': '47', 'pan': 'AIGPG6940H', 'name': 'विजय भाऊ गोरे', 'address': 'प्लॉट नंः, माळा नंः, इमारतीचे नावः, ब्लॉक नंः जुनी बीडीडी नं.49, एस. एस. वाघ मार्ग, नायगांव, दादर मुंबई, रोड नंः, महाराष्ट्र, मुंबई. पिन कोड:-400014'}], 'r8_purchasers': [{'age': '49', 'pan': 'AJRPB2899N', 'name': 'बाबु एकनाथ भंडारे', 'address': 'प्लॉट नंः, माळा नंः , इमारतीचे नावः --, ब्लॉक नंः 16/2, नंदा सावंत चाळ, साई मंदिरजवळ, साई नगर, भांडुप पुर्व मुंबई, रोड नंः, महाराष्ट्र, मुंबई. पिन कोड:-400042'}, {'age': '48', 'pan': 'BRSPB7420D', 'name': 'प्रतिमा बाबु भंडारे', 'address': 'प्लॉट नंः, माळा नंः , इमारतीचे नावः ब्लॉक नंः 16/2, नंदा सावंत चाळ, साई मंदिरजवळ, साई नगर, भांडुप पुर्व मुंबई, रोड नंः, महाराष्ट्र, मुंबई. पिन कोड:-400042'}], 'r12_stamp_duty': 110400, 'r3_market_value': 1717000, 'r1_document_type': 'करारनामा', 'r2_consideration': 1840000, 'r9_execution_date': '20/08/2020', 'r13_registration_fee': 18400, 'r10_registration_date': '20/08/2020'}, 'doc_no': '5587', 'village': 'कुळगाव', 'doc_kind': 'सूची क्र.2', 'doc_year': '2020', 'sro_name': 'सह दुय्यम निबंधक वर्ग-२ उल्हासनगर-२', 'area_text': '50.35 चौ. मीटर', 'mortgagee': 'I CANNOT TELL', 'filing_fee': 18400, 'header_sro': 'सह दुय्यम निबंधक वर्ग-२ उल्हासनगर 2', 'mortgagors': ['विजय भाऊ गोरे'], 'stamp_duty': 110400, 'filing_date': '2020-08-20', 'loan_amount': 0, 'property_text': 'मौजे कुळगांव, येथील स.नं. 64, हि.नं. 9/1 पैकी, प्लॉट नं. 1 व 2 क्षेत्र 606.20 चौ.मी. यावरील प्रभा अपार्टमेंट म्हणजेच प्रभा को-ऑप. हौ. सोसायटी लि. , निवासी सदनिका क्रं. 102, क्षेत्र 542 चौ. फुट म्हणजेच 50.35 चौ.मी. बांधीव, ((Survey 64/9/1पै; Plot Numb

Sanction letter DocScanner 30 Sept 2026 7-32 pm.pdf needs your check

lan
NHL/GHKP/0926/5213002

legible
True

purpose
Non Housing Loan, Personal use

borrowers
{'name': 'BABU EKNATH BHANDARE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SIDDHANT BABU BHANDARE', 'role': 'co_applicant', 'label': 'Applicant'}, {'name': 'PRATIMA BABU BHANDARE', 'role': 'co_applicant', 'la

confidence
1.0

rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement

loan amount
300000.0

rate spread
-3.65

final amount
315000.0

interest rate
9.5

sanction date
17-Sep-2026

letter version
3

reference rate
13.15

applicant email
xlnc4u1971@gmail.com

applicant names
BABU EKNATH BHANDARE, SIDDHANT BABU BHANDARE, PRATIMA BABU BHANDARE

printed altered
False

applicant mobile
8424040834

balance transfer
False

property address
pin: 421503; road: BHARAT COLLEGE ROAD; state: MAHARASHTRA; flat_no: 102; district: Thane; floor_no: 1ST FLOOR; landmark: NEAR BHARAT COLLEGE; full_address: FLAT NO 102, 1ST FLOOR, PRABHA APARTMENT CHSL, BADLAPUR, (W), B

insurance premium
15000.0

final amount label
Total Loan Amount

includes insurance
True

total with insurance
315000.0

security address verbatim
FLAT NO 102, 1ST FLOOR, PRABHA APARTMENT CHSL, BADLAPUR, (W), BHARAT COLLEGE ROAD, Thane, NEAR BHARAT COLLEGE, Thane, MAHARASHTRA, India, 421503

applicant address verbatim
FLAT NO 305 PRARADI BUILDER B WING KAVALE SR NO 3, 1B PANVEL PANVEL, MAHARASHTRA,410206, INDIA, ., ., Panvel, MAHARASHTRA, 410206, Raigad, India

raw reading (for Abhijit)

{'lan': 'NHL/GHKP/0926/5213002', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'BABU EKNATH BHANDARE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SIDDHANT BABU BHANDARE', 'role': 'co_applicant', 'label': 'Applicant'}, {'name': 'PRATIMA BABU BHANDARE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 300000.0, 'rate_spread': -3.65, 'final_amount': 315000.0, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '17-Sep-2026', 'letter_version': '3', 'reference_rate': 13.15, 'applicant_email': 'xlnc4u1971@gmail.com', 'applicant_names': ['BABU EKNATH BHANDARE', 'SIDDHANT BABU BHANDARE', 'PRATIMA BABU BHANDARE'], 'printed_altered': False, 'applicant_mobile': '8424040834', 'balance_transfer': False, 'property_address': {'pin': '421503', 'road': 'BHARAT COLLEGE ROAD', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '102', 'district': 'Thane', 'floor_no': '1ST FLOOR', 'landmark': 'NEAR BHARAT COLLEGE', 'full_address': 'FLAT NO 102, 1ST FLOOR, PRABHA APARTMENT CHSL, BADLAPUR, (W), BHARAT COLLEGE ROAD, Thane, NEAR BHARAT COLLEGE, Thane, MAHARASHTRA, India, 421503', 'village_city': 'BADLAPUR, (W)', 'building_name': 'PRABHA APARTMENT CHSL', 'survey_or_cts_no': None}, 'insurance_premium': 15000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 315000.0, 'security_address_verbatim': 'FLAT NO 102, 1ST FLOOR, PRABHA APARTMENT CHSL, BADLAPUR, (W), BHARAT COLLEGE ROAD, Thane, NEAR BHARAT COLLEGE, Thane, MAHARASHTRA, India, 421503', 'applicant_address_verbatim': 'FLAT NO 305 PRARADI BUILDER B WING KAVALE SR NO 3, 1B PANVEL PANVEL, MAHARASHTRA,410206, INDIA, ., ., Panvel, MAHARASHTRA, 410206, Raigad, India'}

Payment screenshot IMG-20260930-WA0001.jpg needs your check

date
2026-09-30

time
12:04

amount
1000

payee name
THINK BIGZ INITIATIVE PVT LTD

raw reading (for Abhijit)

{'utr': None, 'date': '2026-09-30', 'time': '12:04', 'amount': 1000, 'method': None, 'payee_upi': None, 'payer_upi': None, 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}

Payment screenshot IMG-20260930-WA0003.jpg needs your check

utr
663929037792

date
2026-09-30

time
12:35

amount
45

method
UPI

payee upi
....2080@hdfcbank

payer upi
....71-3@okaxis

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
BABU EKNATH BHANDARE

debit notification text
Payment of ‘45 completed

raw reading (for Abhijit)

{'utr': '663929037792', 'date': '2026-09-30', 'time': '12:35', 'amount': 45, 'method': 'UPI', 'payee_upi': '....2080@hdfcbank', 'payer_upi': '....71-3@okaxis', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'BABU EKNATH BHANDARE', 'debit_notification_text': 'Payment of ‘45 completed'}

Aadhaar card IMG-20260930-WA0006.jpg needs your check

dob
1972-01-01

name
Pratima Babu Bhandare

legible
True

aadhaar last4
6521

raw reading (for Abhijit)

{'dob': '1972-01-01', 'pan': None, 'name': 'Pratima Babu Bhandare', 'mobile': None, 'address': None, 'legible': True, 'father_name': None, 'aadhaar_last4': '6521', 'quality_issue': None}

PAN card PAN CD.pdf needs your check

dob
1971-11-09

pan
AJRPB2899N

name
BABU BHANDARE

legible
True

father name
EKANATH TATOBA BHANDARE

raw reading (for Abhijit)

{'dob': '1971-11-09', 'pan': 'AJRPB2899N', 'name': 'BABU BHANDARE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'EKANATH TATOBA BHANDARE', 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card IMG-20260930-WA0005.jpg needs your check

address
pin: 400042; area: Near Sai Mandir, Sai Nagar, Bhandup East; flat: 16/2; state: Maharashtra; building: Nanda Sawant Chawl; district: Mumbai; village_city: Mumbai

legible
True

aadhaar last4
6521

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'mobile': None, 'address': {'pin': '400042', 'area': 'Near Sai Mandir, Sai Nagar, Bhandup East', 'flat': '16/2', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Nanda Sawant Chawl', 'district': 'Mumbai', 'post_office': None, 'village_city': 'Mumbai'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '6521', 'quality_issue': None}

Aadhaar card BABU ADHAR CARD 1.pdf needs your check

dob
1971-11-09

name
Babu Eknath Bhandare

mobile
8424040834

address
pin: 400042; area: Sai Nagar, Near Sai Mandir; flat: 16/2; state: Maharashtra; building: Nanda Sawant Chawl; district: Mumbai; post_office: Bhandup East; village_city: Mumbai

legible
True

aadhaar last4
2260

raw reading (for Abhijit)

{'dob': '1971-11-09', 'pan': None, 'name': 'Babu Eknath Bhandare', 'mobile': '8424040834', 'address': {'pin': '400042', 'area': 'Sai Nagar, Near Sai Mandir', 'flat': '16/2', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'Nanda Sawant Chawl', 'district': 'Mumbai', 'post_office': 'Bhandup East', 'village_city': 'Mumbai'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '2260', 'quality_issue': None}

PAN card pan card mummy.pdf needs your check

dob
1972-03-16

pan
BRSPB7420D

name
PRATIMA BABU BHANDARE

legible
True

father name
TANAJI HARI YEWLE

raw reading (for Abhijit)

{'dob': '1972-03-16', 'pan': 'BRSPB7420D', 'name': 'PRATIMA BABU BHANDARE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'TANAJI HARI YEWLE', 'aadhaar_last4': None, 'quality_issue': None}

Payment screenshot IMG-20260930-WA0003.jpg needs your check

payments inside
bank: Axis Bank; kind: payment_screenshot; payments: [{'utr': '663929037792', 'date': '2026-09-30', 'page': 1, 'time': '12:35', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 45.0, 'direction': 'credit', 'narration'

raw reading (for Abhijit)

{'payments_inside': {'bank': 'Axis Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '663929037792', 'date': '2026-09-30', 'page': 1, 'time': '12:35', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 45.0, 'direction': 'credit', 'narration': 'Ln paid', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '5997', 'account_holder': 'BABU EKNATH BHANDARE'}}

Payment screenshot IMG-20260930-WA0001.jpg needs your check

payments inside
payments: [{'utr': None, 'date': '2026-09-30', 'page': 1, 'time': '12:04', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 1000.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen'}]

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': None, 'date': '2026-09-30', 'page': 1, 'time': '12:04', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 1000.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen'}]}}

Paid challan (GRAS) BABU BHANDARE EchallanMH011193267202627E.pdf needs your check

grn
MH011193267202627E

pin
421503

total
945.0

article
6(1)

defaced
False

bank cin
03006172026100100120

district
THANE

area city
THANE

payer pan
AJRXXXXXXN

flat block
FLAT NO 102 1ST FLOOR PRABHA APARTMENT CHSL NEAR BHARAT COLLEGE SURVEY NO 64/9/1P

payer name
BABU BHANDARE

sro office
ULHASNAGAR 2 JT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=315000

scheme rows
{'amount': 945.0, 'head_code': '0030046401', 'description': 'Sale of NonJudicial Stamp'}

payer mobile
XXXXXX0834

payment date
30/09/2026-20:45:47

road locality
PLOT 1 AND 2 BHARAT COLLEGE ROAD BADLAPUR WEST THANE MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
315000

raw reading (for Abhijit)

{'grn': 'MH011193267202627E', 'pin': '421503', 'total': 945.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100100120', 'district': 'THANE', 'area_city': 'THANE', 'payer_pan': 'AJRXXXXXXN', 'flat_block': 'FLAT NO 102 1ST FLOOR PRABHA APARTMENT CHSL NEAR BHARAT COLLEGE SURVEY NO 64/9/1P', 'payer_name': 'BABU BHANDARE', 'sro_office': 'ULHASNAGAR 2 JT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=315000', 'scheme_rows': [{'amount': 945.0, 'head_code': '0030046401', 'description': 'Sale of NonJudicial Stamp'}], 'payer_mobile': 'XXXXXX0834', 'payment_date': '30/09/2026-20:45:47', 'road_locality': 'PLOT 1 AND 2 BHARAT COLLEGE ROAD BADLAPUR WEST THANE MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '315000'}

Paid challan (GRAS) BABU BHANDARE EchallanMH011193267202627E.pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Sanction letter DocScanner 30 Sept 2026 7-32 pm.pdf needs your check

payments inside
kind: fee_table; payments: [{'utr': None, 'date': None, 'page': 1, 'time': None, 'payee': 'PNBHFL', 'amount': 5000.0, 'direction': None, 'narration': 'Processing fees receivable:', 'proof_kind': 'fee_table'}, {'utr': Non

raw reading (for Abhijit)

{'payments_inside': {'bank': None, 'kind': 'fee_table', 'payments': [{'utr': None, 'date': None, 'page': 1, 'time': None, 'payee': 'PNBHFL', 'amount': 5000.0, 'direction': None, 'narration': 'Processing fees receivable:', 'proof_kind': 'fee_table'}, {'utr': None, 'date': None, 'page': 1, 'time': None, 'payee': 'PNBHFL', 'amount': 3290.0, 'direction': None, 'narration': 'Equated Monthly Instalment ("EMI") *', 'proof_kind': 'fee_table'}], 'rows_read': 2, 'account_last4': None, 'account_holder': None}}

Index II babu bhandre index 2 (1) (1).pdf needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Technical record (for Abhijit — safe to ignore)

59m ago	ezdocs:reader	reader_efiling_verdict	{'fp': '8eac7ed84e07d0fc', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or their records.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is missing.', 'page': 'Star
11d ago	system:payments	hidden_payment_scan	{'file': 'babu bhandre index 2 (1) (1).pdf', 'kind': None, 'found': 0, 'doc_id': 'ba165de6-7133-4aa3-b0fe-e4aa79718c53', 'fetched': True}
11d ago	system:payments	hidden_payment_scan	{'file': 'DocScanner 30 Sept 2026 7-32\u202fpm.pdf', 'kind': 'fee_table', 'found': 0, 'doc_id': 'c9304849-317e-4b57-a1ae-4e5cc764f81a', 'fetched': True}
11d ago	system:payments	fee_table_not_payment	{'why': 'this file is a fee table / working, not a record of money that moved — no claim', 'file': 'DocScanner 30 Sept 2026 7-32\u202fpm.pdf', 'doc_id': 'c9304849-317e-4b57-a1ae-4e5cc764f81a'}
11d ago	system:payments	hidden_payment_scan	{'file': 'BABU BHANDARE EchallanMH011193267202627E.pdf', 'kind': None, 'found': 0, 'doc_id': 'be5e0678-f5f9-41f5-837a-ffbb2fcc60ef', 'fetched': True}
12d ago	system:emails	branch_questions_drafted	{'why': 'what the papers leave open is asked of the branch in one draft; a person presses Send', 'questions': ['Borrower is seller not owner — the sanction letter says BABU EKNATH BHANDARE (PAN AJRPB2899N) is the applica
12d ago	system:emails	email_shadowed:branch_questions	{'to': 'harshal.ghorpade@phfl.com', 'body': 'Dear Team,\n\nWith reference to the captioned case (LAN: NHL/GHKP/0926/5213002), the papers on file leave the following open, and we cannot make the challan until it is settle
12d ago	system:emails	draft_withdrawn	{'why': 'a fresher branch questions replaces it — the words changed', 'count': 1, 'kinds': ['branch_questions']}
12d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '51a277f8220456f7', 'docs': ['babu bhandre index 2 (1) (1).pdf', 'DocScanner 30 Sept 2026 7-32\u202fpm.pdf', 'IMG-20260930-WA0005.jpg', 'IMG-20260930-WA0006.jpg', 'BABU ADHAR CARD 1.pdf', 'PAN CD.pd
12d ago	ezdocs:reader	case_read_started	{'tag': '51a277f8220456f7', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'}
13d ago	system:ingest	challan_partial	{'kind': 'split', 'words': '0.3% Rs.950 paid · 0.5% Rs.1580 MISSING — the other head is still to pay', 'still_to_pay': ['0.5% registration fee Rs.1580']}
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', 'challan', 'challan_shared'], 'mail
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 AJxxxxxxXN — 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': 'BABU BHANDARE Echal
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': 'ULHASNAGAR 2 JT SUB REGISTRAR', 'district': 'THANE'}
13d ago	system:extract	challan_verified_against_case	{'grn': 'MH011193267202627E', 'file': 'BABU BHANDARE EchallanMH011193267202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
13d ago	system:extract	challan_extracted	{'grn': 'MH011193267202627E', 'file': 'BABU BHANDARE EchallanMH011193267202627E.pdf', 'heads': ['0030046401'], 'total': 945.0}
13d ago	system:ingest	title_doc_on_case_filing_open	{'was': 'BANK', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'babu bhandre index 2 (1) (1).pdf', 'kind': 'index2'}
13d ago	system:ingest	challan_found_on_case	{'was': 'AWAITING_PAYMENT', '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': 'BABU BHANDARE EchallanMH011193267202627E.pdf', 'kind': 'unread'}
13d ago	system:emails	draft_withdrawn	{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ['Dear Team,\n\nWith reference to the captioned case (LAN: NHL/GHKP/0926/521
13d ago	system:ingest	challan_inferred_from_desk_mail	{'why': "the NOI team's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread"}
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': '393175', 'lessons': [{'box': 'Taluka', 'words': 'Taluka: the team typed ULHAS
13d ago	copilot:SANDEEP	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_ok	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 13, 'differs': [{'by': 'papers', 'box': 'Taluk
13d 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': ['Property building name mismatch']}
13d ago	ops:copilot	challan_boxes_not_the_papers_words	{'why': "check — the boxes carry words the base paper does not print (SURVEY, 64, HISSA) — read box 1 once against the paper's own words"}
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 2', 'why': 'The sanction letter prints
13d 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': ['Property building name mismatch']}
13d ago	ops:copilot	challan_boxes_not_the_papers_words	{'why': "check — the boxes carry words the base paper does not print (SURVEY, 64, HISSA) — read box 1 once against the paper's own words"}
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 2', 'why': 'the sanction letter prints

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

SHORT — ₹1,045 of ₹4,350.13 received

₹3,305.13 still to come before the challan.

Challan & filing

Ready for the challan

Make it on GRAS — the Calculator holds the figures.

Next — whose move

make the challan

Needs your eyes: Payment SHORT by ₹3,305.13 (₹1,045 of ₹4,350.13). Money received is short — ₹3,305.13 still to come. Bank under-collected — money at risk — see Facts.

Yesterday · 13 Oct1 thing

reader efiling verdict — by ezdocs:reader