⚠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.
Vikramkumar A Jummani
LAN HOU/NAG/0626/5145085Loan ₹36,32,850NOIFile on IGRMails & papers 9 2 drafts to send
Correct a detail
Payment seen with your own eyes
A note for the history
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
9 Oct, 19:15
Documents
took 1d 7h
Payment
Challan
done 9 Oct, 19:50 · GRAS ↗
Filing
in the tray 4d 3h · SANDEEP 1m · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
our moveChallan paidwhole case so far 4d 4h
Needs your eyes3
Sanction letter missing for this customer — sanction letter on the file says RAJESH KUMAR & MRS. POONAM KUMARI, loan number not matching; branch's request says VIKRAMKUMAR A JUMMANI, loan HOU/NAG/0626/514. See the papers →
In the branch's mail of 8 Oct (from bharati.bhope@phfl.com, “Request for challan and NOI - HOU/NAG/0626/5145085 VIKRAMKUMAR A JUMMA”), ANOTHER CUSTOMER'S SANCTION LETTER is attached: 1791441834862.jpg is RAJESH KUMAR & MRS. POONAM KUMARI, RAJESH KUMAR (loan HOU/HL/2022/100000000000000000)'s, not Vikramkumar A Jummani's. Please check with the branch. Nothing should be taken from it — check the loan amount and the property against Vikramkumar's own letter. (Set aside as another customer's.)
The work is done — our fee of ₹27,730.03 is still not in our account. Chase the branch for it.
NEXT STEPour move
File the NOI on the IGR site
The challan is paid. The co-pilot fills the portal from the case; you check and submit.
Before opening the portal, the engine sees:
• DO NOT SAVE — Sanction letter missing for this customer: the sanction letter on the file says RAJESH KUMAR & MRS. POONAM KUMARI, loan number not matching; the branch's request says VIKRAMKUMAR A JUMMANI, loan HOU/NAG/0626/5145085. The sanction letter attached to the file belongs to another customer (Rajesh Kumar). The loan amount and sanction details for Vikramkumar A Jummani are completely missing from the papers. Ask the branch to send the correct sanction letter for VIKRAMKUMAR A JUMMANI.
• check — In the branch's mail of 8 Oct (from bharati.bhope@phfl.com, “Request for challan and NOI - HOU/NAG/0626/5145085 VIKRAMKUMAR A JUMMA”), ANOTHER CUSTOMER'S SANCTION LETTER is attached: 1791441834862.jpg is RAJESH KUMAR & MRS. POONAM KUMARI, RAJESH KUMAR (loan HOU/HL/2022/100000000000000000)'s, not Vikramkumar A Jummani's. Please check with the branch. Nothing should be taken from it — check the loan amount and the property against Vikramkumar's own letter. (Set aside as another customer's.)
• Mortgagor pages: JYOTI KIRAN GHUMARE is NOT typed — a card of ANOTHER CUSTOMER on this file (the name is none of this file's people: the sanction letter's borrowers and the request's customer). Ask the branch whose paper it is.
• payment NOT verified — office rule: no filing before credit
• PROPERTY NOT VERIFIED — open the case's Details & records, check the English boxes against the title document, save a correction if needed. e-filing makes this a government record.
• Vikram Anjumani: PAN missing — Vikram Anjumani's own Aadhaar (1791441834730.jpg) is read but no PAN comes off it — read it off the card beside the form
How — one e-filing tab, the co-pilot fills
Press the button; 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. Not logged in yet today? open the portal. The co-pilot creates the token from the Date of Mortgage, opens each page and fills it, checked by EzDocs; you check, do photo and thumb, press each Save and the final submit. Then press Filed on IGR so the branch hears it. New to it? Rehearse on the practice copy.
Historywhat happened on this case, newest first
Today · 13 Oct1 thing
pan card name set aside — by copilot
9 Oct45 things — 4 documents received · 2 letters written · 39 steps
property self check
kyc address missing
kyc address read
A file was read again from the start — everything inside it now counts
Property re-read from this bank's ruling source (ICICI: the technical report)
reading error456
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
VIKRAMKUMAR A JUMMANI EchallanMH011728338202627E.pdf
copilot edit — by copilot:SANDEEP
copilot check ok — by copilot
form checked489
challan kind word fixed — by copilot
whole file hold — by copilot
reading boxes not the papers words — by copilot
challan boxes composed
reader mail addition — by ezdocs:reader
The home address was read off the papers — by ezdocs:reader
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
file note490
money settled — by ezdocs:reader
paper against file490 — by ezdocs:reader
Wrote the documents acknowledged mail — held, silent mode
Re[2]: Request for challan and NOI - HOU/NAG/0626/5145085 VIKRAMKUMAR A JUMMANI
claim inside desk buffer
An old draft withdrew itself — its asks were already answered
No fee quote sent — the branch's own figures were right
The payment proof already on the case was applied
address compared
documents read together
applicant email captured
Property address read from the sanction letter
roles from letter
Two documents disagree on a PAN — needs a person
Received: PAN card
PAN CARD Mr. Jummani.jpg
Received: Sanction letter
SKM_226i26100918520.pdf
Received: PAN card
PAN Card Mrs. Jummani.jpg
8 Oct35 things — 9 documents received · 3 letters written · 23 steps
quoted history checked
extra challan scanned
file note490
branch questions drafted
Wrote the questions for the branch — what the papers leave open mail — held, silent mode
Request for challan and NOI - HOU/NAG/0626/5145085 VIKRAMKUMAR A JUMMANI
case read — by ezdocs:reader
pan by reading443
Wrote the document chase mail — held, silent mode
Request for challan and NOI - HOU/NAG/0626/5145085 VIKRAMKUMAR A JUMMANI
boxes gathered
A box the papers had not filled was read off a paper and corrected
documents read together
Co-applicant added
kyc address read
Co-applicant added
kyc address read
party not merged
Co-applicant added
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
1791441834897.jpg
money settled — by ezdocs:reader
money not settled
Received: Aadhaar
1791441834761.jpg
Received: PAN card
1791441834699.jpg
Received: Aadhaar
1791441834730.jpg
case read started — by ezdocs:reader
paper not this case
sanction names nobody448
Selfie checked — a live one
A real selfie — usable for the e-filing.
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Sale deed
Vikramkumar Jummani Sale Deed(1).pdf
Received: PAN card
1791441834681.jpg
Received: Selfie
1791441834799.jpg
Received: Sanction letter — not usable
1791441834862.jpg — it prints RAJESH KUMAR & MRS. POONAM KUMARI, RAJESH KUMAR, POONAM KUMARI; this case's people are PARINITI VIKRAM JUMMANI, Vikramkumar A Jummani — another customer's sanction letter (the branch sends several customers' papers in one mail). Kindly share this case's own sanction letter
Received: Selfie
1791441834833.jpg
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needs1 still to come
7 of 8 in hand · the challan is done — these are for the filing / KYC
✓Selfie / photoopen
✓Sanction letteropen
✓PAN cardopen
✓Sale deedopen
✓Aadhaar cardopen
✓Paid challan (GRAS)open
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Mails & papers →every paper, beside its mail · 13 files
The file, as the engine remembers it28 open
The file contains the sale deed and PAN/Aadhaar cards for the purchasers Vikramkumar A Jummani and Pariniti Vikram Jummani, but the attached sanction letter belongs to another customer (Rajesh Kumar). The loan amount and sanction particulars are missing. Property details are extracted from the Sale
✗the sanction letter on file is another customer's (1791441834862.jpg) — the branch — it prints RAJESH KUMAR & MRS. POONAM KUMARI, RAJESH KUMAR, POONAM KUMARI; this case's people are PARINITI VIKRAM JUMMANI, Vikramkumar A Jumm
○PARINITI VIKRAM JUMMANI — mobile — the branch
○PARINITI VIKRAM JUMMANI — e-mail — the branch
○PARINITI VIKRAM JUMMANI — home building — the branch
○PARINITI VIKRAM JUMMANI — home flat — the branch
○PARINITI VIKRAM JUMMANI — home road — the branch
○PARINITI VIKRAM JUMMANI — home PIN — the branch
○PARINITI VIKRAM JUMMANI — home village / city — the branch
○VIKRAMKUMAR A JUMMANI — home building — the branch
○VIKRAMKUMAR A JUMMANI — home flat — the branch
… and 18 more
?unsure of Loan Amount — No sanction letter or loan figure is present on the file for this customer.
the branch's last mail (2026-10-09): The branch has attached sanction letter and PAN cards and is asking for clarification on the applicant's details. · brought: a sanction letter; PAN cards · settled: paper:sanction_letter:aside
read once, kept; every new mail and paper is read against this note · kept 2026-10-09T13:42 UTC
Moneywaiting for the credit
₹27,730.03
Nothing has reached our account yet — only a credit our bank shows us counts.
Screenshot ₹27,699 — ₹31 under our ask, not below the real calculation ₹27,699. Counts as full. Nothing to ask.
Screenshot ₹27,699 — verified by itself the moment the bank credit is heard.
Screenshot ₹27,699 — verified by itself the moment the bank credit is heard.
why?
The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our round-ups are the buffer. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
Paid by GPay at 2026-10-08 — verified when Google's NEFT lands in the PNB account (within hours).
The money may already be here — 1 credit(s) 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.
The working
Stamp duty 0.3%10,910
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for27,730.03
By law ₹27,718.55. We ask ₹27,730 (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.
Propertynot verified yet
PLOT, 150, NARI, 440034
read from the sanction letter · e-filing boxes 44 of 70 ready
Check the property →the boxes beside the paper
People
Vikram Anjumani · co-applicant…3102JYOTI KIRAN GHUMARE · co-applicant…8088PARINITI VIKRAM JUMMANI · applicantBEQPJ5586MVIKRAMKUMAR A JUMMANI · applicantAJUPJ4868K
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