Cases / NOI-2026-01487

SANDEEP SHIVRAM WAPHILKAR

LAN HOU/KLN/0826/5209289 Challan paid · our move File on IGR All documents Mails & papers 5

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needsall in

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

✓Payment screenshot — shows ₹25,180; money not verified yetopen

✓Aadhaar cardopen

✓Selfie / photoopen

✓PAN cardopen

✓Sanction letteropen

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

✓Paid challan (GRAS)open

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

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

For you to check

The work is done — our fee of ₹25,200 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹25,200

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

₹0 received — the branch’s receipt claims ₹25,180; we wait for the credit itself

Stamp duty 0.3%8,770

Registration fee 0.5%14,610

Government handling320

Our service fee1,500

Total we ask for25,200

Screenshot ₹25,180 — ₹20 under our ask, not below the real calculation ₹25,160. Counts as full. Nothing to ask.

why?

The branch paid the statutory-exact figure (our ₹10 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.

This payment is from the Vyapar QR (HDFC) at 2026-09-08 — EzDocs 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 15 Oct 19:18 — 0 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹25,180. We ask ₹25,200 (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 — 1 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 34 minour time (made after working hours) · 8 Sep 20:32

Index II —not yet

the NOI team 37 dtotal 37 d so far

Now with the NOI team — e-filing on IGR

since 8 Sep 20:32 — 36 d 23 h of working time

Day by day — every step and who held it

8 Sep 19:58Your branch's mail

8 Sep 20:15Papers read+18 min · the NOI team

8 Sep 20:15Property readat once

8 Sep 20:15Papers readat once

8 Sep 20:16Fee quotedat once

8 Sep 20:32Challan made+16 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹29,20,000

Loan account no.

HOU/KLN/0826/5209289

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, EzDocs sees:

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

• no challan GRN on the case — upload the paid challan first (its GRN fills the payment page)

• 3 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: Hadd type, Hadd name, Second number

• Loan Amount: no paid challan with a printed figure is on this case yet — the case's own 29,20,000 is typed; upload the paid challan and it takes over

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.

✓ The papers agree — compared: the sanction letter, the Index II. No number of the property and no name differs.

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

The bank branch has provided the initial loan documents and the Index II, and the NOI team has acknowledged payment and shared the GRAS challan. The NOI team is currently waiting for a colour live selfie photo of the applicant from the branch to proceed with the NOI filing.

the history says the next move is with the branch — the selfie photo

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 (2026-09-08) “Please find the attachment of NOI Document.”

✓ fee paid — the branch's words — done, mail 2 (2026-09-08) “We acknowledge the receipt of your mail documents and payment.”

✓ challan made — done, mail 4 (2026-09-08) “PFA Challan for your reference.”

✓ challan shared — done, mail 4 (2026-09-08) “PFA Challan for your reference.”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-09-08) “sandeep waphilkar - Index 2.jpg”

read over 5 mail(s), last mail 2026-09-08 · read 30d ago · what EzDocs says informs the page; the step moves by the papers and the checked facts

Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail

1Pay the challan on GRAS, then upload it 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). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.

✓ EzDocs checked every box against the document’s own words 30d ago — all agree.

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
no filing yet

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 EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.

No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →

The conversation, word for word — attachments open on click. Mail thread, oldest first.

This 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 rahul.katkar@phfl.com phfl.com
08 Sep, 19:58 · 37d ago THE FIRST MAIL — how this case began

SANDEEP SHIVRAM WAPHILKAR - HOU/KLN/0826/5209289 - 0.3% & NOI Challan

📎 IMG-20260908-WA0025.jpg ↗📎 sandeep aadhar card.pdf ↗📎 sandeep photo.jpeg ↗📎 sandeep pan card.jpeg ↗📎 SANDEEP WAPHILKAR - SANCTION LETTER.pdf ↗📎 sakshi pan card.jpeg ↗📎 sakshi aadhar card.pdf ↗📎 sakshi photo.jpeg ↗📎 sandeep waphilkar - Index 2.jpg ↗

Dear Team,

Please find the attachment of NOI Document.

SANDEEP SHIVRAM WAPHILKAR - HOU/KLN/0826/5209289 - 0.3% & NOI Challan.

Thanks & Regards,

Rahul Katkar?

Sr. Channel Manager – Kalyan Branch.

PHFL Home Loans and Services Limited.

(A Wholly Owned Subsidiary of PNB Housing Finance Limited).

Mobile - 7304043647

Toll Free : 1800 120 8800

Web Site : www.pnbhousing.com

🤖 read: documents attached

2 more mails in between — open

OL The NOI teamTYPED IN GMAIL
08 Sep, 20:30 · 36d 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 a colour live

selfie photo of the applicants.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 8 Sept 2026 at 20:03, Rahul Prakash Katkar <rahul.katkar@phfl.com>

wrote:

earlier mails quoted below

Dear Team,

Please find the attachment of NOI Document.

SANDEEP SHIVRAM WAPHILKAR - HOU/KLN/0826/5209289 - 0.3% & NOI Challan.

Thanks & Regards,

*Rahul Katkar**?*

Sr. Channel Manager – Kalyan Branch.

PHFL Home Loans and Services Limited.

(A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*

Mobile - 7304043647 <(730)%20404-3647>

Toll Free : *1800 120 8800*

Web Site : *www.pnbhousing.com <http://www.pnbhousing.com>*

[image: E-mailer Signeture draft]

🤖 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
08 Sep, 20:30 · 36d 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 a colour live

selfie photo of the applicant SANDEEP SHIVRAM WAPHILKAR..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 8 Sept 2026 at 20:03, Rahul Prakash Katkar <rahul.katkar@phfl.com>

wrote:

earlier mails quoted below

Dear Team,

Please find the attachment of NOI Document.

SANDEEP SHIVRAM WAPHILKAR - HOU/KLN/0826/5209289 - 0.3% & NOI Challan.

Thanks & Regards,

*Rahul Katkar**?*

Sr. Channel Manager – Kalyan Branch.

PHFL Home Loans and Services Limited.

(A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*

Mobile - 7304043647 <(730)%20404-3647>

Toll Free : *1800 120 8800*

Web Site : *www.pnbhousing.com <http://www.pnbhousing.com>*

[image: E-mailer Signeture draft]

🤖 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
08 Sep, 20:31 · 36d ago

Team,

PFA Challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 8 Sept 2026 at 20:03, Rahul Prakash Katkar <rahul.katkar@phfl.com>

wrote:

earlier mails quoted below

Dear Team,

Please find the attachment of NOI Document.

SANDEEP SHIVRAM WAPHILKAR - HOU/KLN/0826/5209289 - 0.3% & NOI Challan.

Thanks & Regards,

*Rahul Katkar**?*

Sr. Channel Manager – Kalyan Branch.

PHFL Home Loans and Services Limited.

(A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*

Mobile - 7304043647 <(730)%20404-3647>

Toll Free : *1800 120 8800*

Web Site : *www.pnbhousing.com <http://www.pnbhousing.com>*

[image: E-mailer Signeture draft]

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

OL The NOI teamTYPED IN GMAIL
08 Sep, 20:32 · 36d ago

📎 SANDEEP SHIVRAM WAPHILKAR EchallanMH009881 ↗

Team,

PFA Challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Tue, 8 Sept 2026 at 20:03, Rahul Prakash Katkar <rahul.katkar@phfl.com>

wrote:

earlier mails quoted below

Dear Team,

Please find the attachment of NOI Document.

SANDEEP SHIVRAM WAPHILKAR - HOU/KLN/0826/5209289 - 0.3% & NOI Challan.

Thanks & Regards,

*Rahul Katkar**?*

Sr. Channel Manager – Kalyan Branch.

PHFL Home Loans and Services Limited.

(A Wholly Owned Subsidiary of PNB Housing Finance Limited*).*

Mobile - 7304043647 <(730)%20404-3647>

Toll Free : *1800 120 8800*

Web Site : *www.pnbhousing.com <http://www.pnbhousing.com>*

[image: E-mailer Signeture draft]

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

Every file the branch sent, and what EzDocs read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.

Document	File — click to open	Status	When
Payment screenshot	IMG-20260908-WA0025.jpg	filed	36d ago
Aadhaar card	sandeep aadhar card.pdf	filed	36d ago
Selfie / photo	sandeep photo.jpeg	CANNOT BE READ — clear copy asked	36d ago
PAN card	sandeep pan card.jpeg	filed	36d ago
Sanction letter	SANDEEP WAPHILKAR - SANCTION LETTER.pdf	filed	36d ago
PAN card	sakshi pan card.jpeg	filed	36d ago
Aadhaar card	sakshi aadhar card.pdf	filed	36d ago
Selfie / photo	sakshi photo.jpeg	filed	36d ago
Index IIthe branch sent this — an input	sandeep waphilkar - Index 2.jpg	filed	36d ago
Paid challan (GRAS)	SANDEEP SHIVRAM WAPHILKAR EchallanMH009881042202627E.pdf	filed	36d 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
₹25,200

Where it stands
waiting for the credit

Screenshot claims
₹25,180 661723108500

Screenshot ₹25,180 — ₹20 under our ask, not below the real calculation ₹25,160. Counts as full. Nothing to ask.

why?

This payment is from the Vyapar QR (HDFC) at 2026-09-08 — EzDocs 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
₹8,770	₹14,610	₹320	₹1,500	₹25,200

By law ₹25,180. We ask ₹25,200 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Property type (Open / Building / Open + Building), E-mail (person 1), Floor (person 1), Floor (person 2), GRN …

8 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Second number, Floor (person 1), Flat / house no (person 1), Floor (person 2), Flat / house no (person 2), Road (person 2)

✓ EzDocs checked every box against the document’s own words 30d ago — all agree.

CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (sandeep waphilkar - Index 2.jpg) 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.

1) पालिकेचे नावःकल्याण-डोंबिवली इतर वर्णन :, इतर माहितीः (विभाग क्रमांक. 40/115 सदनिका दर 49,300/- प्रती चौ. मिटर) मौजे पिसवली येथील जुना सर्वे क्रमांक. 33, हिस्सा क्रमांक. 6 ए, सर्वे क्रमांक. 33, हिस्सा नं. 6/5 वरील यशराज पॅराडाईज इमारत क्रमांक. 2 मधील सदनिका क्रमांक. 403, चौथा मजला, ए विंग, क्षेत्र 36.42 चौ. मीटर कारपेट. ((Block Number : A/403; Survey Number : जुना सर्वे क्रमांक. 33, हिस्सा क्रमांक. 6 ए, सर्वे क्रमांक. 33, हिस्सा नं.6/5 ;))

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

SANDEEP WAPHILKAR - SANCTION LETTER.pdf

as printed
FLAT NO 403, 4TH FLOOR, A WING BUILDING NO 2, YASHRAJ PARADIES, KALYAN EAST, SHREE MALANGGAD ROAD, NANDIVALI, THANE, NEAR RELAX GARDEN NX BUS STTOP, THANE, MAHARASHTRA, INDIA, 421306

PIN
421306

the Index II

sandeep waphilkar - Index 2.jpg

the property
1) paalikeche naavahkalyaana-dombivali itara varnana :, itara maahitih (vibhaaga kramaanka. 40/115 sadanikaa dara 49,300/- prati chau. mitara) mauje pisavali yethila junaa sarve kramaanka. 33, hissaa kramaanka. 6 e, sarve kramaanka. 33, hissaa nan. 6/5 varila yasharaaja paraadaaija imaarata kramaanka. 2 madhila sadanikaa kramaanka. 403, chauthaa majalaa, e vinga, kshetra 36.42 chau. mitara kaarapeta. ((BLOCK NUMBER : A/403; SURVEY NUMBER : junaa sarve kramaanka. 33, hissaa kramaanka. 6 e, sarve kramaanka. 33, hissaa nan.6/5 ;))

PIN
421306

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 403 4TH FLOOR A WING YASHRAJ PARADISE BUILDING NO 2 SURVEY NO 33 HISSA NO 6A 6/5

Locality/Road
NEAR RELAX GARDEN NX BUS STTOP SHREE MALANGGAD ROAD NANDIVALI

Area/City
PISAVLI

check or correct a box, the papers beside it →

the Index II also prints: 1, 300/, 33, 36, 40/115, 42, 49, 6, CHAU, CHAUTHAA, DARA, DOMBIVALI, HISSAA, IMAARATA, ITARA, JUNAA, KAARAPETA, KRAMAANKA

Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.

Parties

Role	Name	PAN	Aadhaar
co_mortgagor	SAKSHI SANDEEP WAPHILKAR	ACVPW4928N	…3593
mortgagor	Sandeep Shivram Waphilkar	ABOPW6181B	…3583

All mail records (for Abhijit — safe to ignore)

Template	To	When
documents acknowledged	rahul.katkar@phfl.com	36d ago

What EzDocs read from each document — check anything marked in red

Payment screenshot IMG-20260908-WA0025.jpg needs your check

utr
661723108500

date
2026-09-08

time
19:49

amount
25180

method
Google Pay

payee upi
....2080@hdfcbank

payer upi
.....0580@okicici

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
VISHNUKANT KUMAR

raw reading (for Abhijit)

{'utr': '661723108500', 'date': '2026-09-08', 'time': '19:49', 'amount': 25180, 'method': 'Google Pay', 'payee_upi': '....2080@hdfcbank', 'payer_upi': '.....0580@okicici', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'VISHNUKANT KUMAR', 'debit_notification_text': None}

Aadhaar card sandeep aadhar card.pdf needs your check

dob
1976-06-01

name
Sandeep Shivram Waphilkar

legible
True

aadhaar last4
3583

raw reading (for Abhijit)

{'dob': '1976-06-01', 'pan': None, 'name': 'Sandeep Shivram Waphilkar', 'legible': True, 'aadhaar_last4': '3583', 'quality_issue': None}

PAN card sandeep pan card.jpeg needs your check

dob
1976-06-01

pan
ABOPW6181B

name
SANDEEP SHIVRAM WAPHILKAR

legible
True

raw reading (for Abhijit)

{'dob': '1976-06-01', 'pan': 'ABOPW6181B', 'name': 'SANDEEP SHIVRAM WAPHILKAR', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Selfie / photo sandeep photo.jpeg needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

face visible
True

quality issue
this is a formal portrait, 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 formal portrait, not a live selfie'}

Sanction letter SANDEEP WAPHILKAR - SANCTION LETTER.pdf needs your check

lan
HOU/KLN/0826/5209289

legible
True

loan type
Housing Loan

confidence
1

loan amount
2800000

interest rate
13.15

sanction date
31-Aug-2026

letter version
4

applicant names
SANDEEP SHIVRAM WAPHILKAR, SAKSHI SANDEEP WAPHILKAR

applicant mobile
9004253372

property address
pin: 421306; road: SHREE MALANGGAD ROAD; state: MAHARASHTRA; Flat no: 403; district: Thane; Floor: 4TH FLOOR; landmark: NEAR RELAX GARDEN NX BUS STTOP; Address: FLAT NO 403, 4TH FLOOR, A WING BUILDING NO 2, YASHR

insurance premium
120000

includes insurance
True

total with insurance
2920000

applicant address from462
read again off the letter's pages (page 1, the Address row)

security address verbatim
FLAT NO 403, 4TH FLOOR, A WING BUILDING NO 2, YASHRAJ PARADIES, KALYAN EAST, SHREE MALANGGAD ROAD, NANDIVALI, Thane, NEAR RELAX GARDEN NX BUS STTOP, Thane, MAHARASHTRA, India, 421306

applicant address verbatim
SIDDHIVINAY RESIDENCY FLAT 303 L WING, PHASE 2 TATA POWER KALYAN EAST, NR DESHMUKH HOMES KALYAN,., Thane, MAHARASHTRA, 421306, Thane, India

raw reading (for Abhijit)

{'lan': 'HOU/KLN/0826/5209289', 'legible': True, 'loan_type': 'Housing Loan', 'confidence': 1, 'loan_amount': 2800000, 'interest_rate': 13.15, 'quality_issue': None, 'sanction_date': '31-Aug-2026', 'letter_version': '4', 'applicant_names': ['SANDEEP SHIVRAM WAPHILKAR', 'SAKSHI SANDEEP WAPHILKAR'], 'applicant_mobile': '9004253372', 'property_address': {'pin': '421306', 'road': 'SHREE MALANGGAD ROAD', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '403', 'district': 'Thane', 'floor_no': '4TH FLOOR', 'landmark': 'NEAR RELAX GARDEN NX BUS STTOP', 'full_address': 'FLAT NO 403, 4TH FLOOR, A WING BUILDING NO 2, YASHRAJ PARADIES, KALYAN EAST, SHREE MALANGGAD ROAD, NANDIVALI, Thane, NEAR RELAX GARDEN NX BUS STTOP, Thane, MAHARASHTRA, India, 421306', 'village_city': 'KALYAN EAST, NANDIVALI', 'building_name': 'A WING BUILDING NO 2, YASHRAJ PARADIES', 'survey_or_cts_no': None}, 'insurance_premium': 120000, 'includes_insurance': True, 'total_with_insurance': 2920000, 'applicant_address_from462': "read again off the letter's pages (page 1, the Address row)", 'security_address_verbatim': 'FLAT NO 403, 4TH FLOOR, A WING BUILDING NO 2, YASHRAJ PARADIES, KALYAN EAST, SHREE MALANGGAD ROAD, NANDIVALI, Thane, NEAR RELAX GARDEN NX BUS STTOP, Thane, MAHARASHTRA, India, 421306', 'applicant_address_verbatim': 'SIDDHIVINAY RESIDENCY FLAT 303 L WING, PHASE 2 TATA POWER KALYAN EAST, NR DESHMUKH HOMES KALYAN,., Thane, MAHARASHTRA, 421306, Thane, India'}

PAN card sakshi pan card.jpeg needs your check

dob
1978-12-26

pan
ACVPW4928N

name
SAKSHI SANDEEP WAPHILKAR

legible
True

raw reading (for Abhijit)

{'dob': '1978-12-26', 'pan': 'ACVPW4928N', 'name': 'SAKSHI SANDEEP WAPHILKAR', 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card sakshi aadhar card.pdf needs your check

dob
1978-12-26

name
Sakshi Sandeep Waphilkar

legible
True

aadhaar last4
3593

raw reading (for Abhijit)

{'dob': '1978-12-26', 'pan': None, 'name': 'Sakshi Sandeep Waphilkar', 'legible': True, 'aadhaar_last4': '3593', 'quality_issue': None}

Selfie / photo sakshi photo.jpeg needs your check

kind
live_selfie

legible
True

confidence
0.95

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.95, 'face_visible': True, 'quality_issue': None}

Index II sandeep waphilkar - Index 2.jpg needs your check

kind
index2_input

extracted
pin: 421306; doc_no: 11268/2026; village: पिसवली; doc_kind: सूची क्र.2; doc_year: 2026; sro_name: सह दु.नि. कल्याण 4; area_text: 36.42 चौ. मीटर; mortgagee: संदीप शिवराम वाफिलकर, साक्षी संदीप वाफिलकर; filing_fee: 30000; m

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': '421306', 'doc_no': '11268/2026', 'village': 'पिसवली', 'doc_kind': 'सूची क्र.2', 'doc_year': '2026', 'sro_name': 'सह दु.नि. कल्याण 4', 'area_text': '36.42 चौ. मीटर', 'mortgagee': 'संदीप शिवराम वाफिलकर, साक्षी संदीप वाफिलकर', 'filing_fee': 30000, 'mortgagors': ['मे. यश इंफ्रा तर्फे भागीदार नितीन पाटील'], 'stamp_duty': 226890, 'filing_date': '2026-06-10', 'loan_amount': 3241248, 'property_text': '1) पालिकेचे नावःकल्याण-डोंबिवली इतर वर्णन :, इतर माहितीः (विभाग क्रमांक. 40/115 सदनिका दर 49,300/- प्रती चौ. मिटर) मौजे पिसवली येथील जुना सर्वे क्रमांक. 33, हिस्सा क्रमांक. 6 ए, सर्वे क्रमांक. 33, हिस्सा नं. 6/5 वरील यशराज पॅराडाईज इमारत क्रमांक. 2 मधील सदनिका क्रमांक. 403, चौथा मजला, ए विंग, क्षेत्र 36.42 चौ. मीटर कारपेट. ((Block Number : A/403; Survey Number : जुना सर्वे क्रमांक. 33, हिस्सा क्रमांक. 6 ए, सर्वे क्रमांक. 33, हिस्सा नं.6/5 ;))', 'survey_numbers': ['33', '6 ए', '6/5'], 'header_doc_number': '11268/2026'}}

Payment screenshot IMG-20260908-WA0025.jpg needs your check

payments inside
bank: Kotak Mahindra Bank; kind: payment_screenshot; payments: [{'utr': '661723108500', 'date': '2026-09-08', 'page': None, 'time': '19:49', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 25180.0, 'direction': 'debi

raw reading (for Abhijit)

{'payments_inside': {'bank': 'Kotak Mahindra Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '661723108500', 'date': '2026-09-08', 'page': None, 'time': '19:49', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 25180.0, 'direction': 'debit', 'narration': 'NOI MOI SANDEEP', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '9759', 'account_holder': 'VISHNUKANT KUMAR'}}

Technical record (for Abhijit — safe to ignore)

39m ago	EzDocs	reader_efiling_verdict	{'fp': '831ece996494f999', 'asked': True, 'findings': [{'do': 'Ask the branch for the MOTD or the mortgage date.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is a required field and is missing.', 'page': 'St
3h ago	EzDocs	reader_home_address	{'fp': 'b1a08f03d5b8f395', 'from': 'the sanction letter (SANDEEP WAPHILKAR - SANCTION LETTER.pdf)', 'home': {'pin': '421306', 'area': 'NR DESHMUKH HOMES', 'flat': 'FLAT 303', 'road': 'TATA POWER KALYAN EAST', 'state': 'M
8h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 08 Sep, 20:30 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']}
15d ago	EzDocs	letter_home_read462	{'fp': 'doc:4416effd-b416-43c2-b6c2-a5591dd4f8cc', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'SANDEEP WAPHILKAR - SANCTION LETTER.pdf', 'asked': Tr
19d ago	EzDocs	index2_docno_read	{'why': "the title deed box takes the page's OWN number, as its header prints it — never a number it quotes for an earlier sale", 'file': 'sandeep waphilkar - Index 2.jpg', 'doc_id': '453b5d4c-0d01-47aa-b5af-1f7a6312e334
30d ago	EzDocs	challan_boxes_gathered	{'why': "the challan's boxes (locality, city, PIN) were empty on the case while a paper on it carries them — EzDocs was asked for exactly those; a person checks them on the verification page", 'filled': ['pin'], 'sti
30d ago	EzDocs	boxes_gathered	{'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['sandeep waphilkar - Index 2.jpg', 'SANDEEP WAPHILKAR - SANCTION LETTER.pdf', 'sandeep aadhar card.pdf', 'sakshi aadhar card.pdf', 's
30d ago	EzDocs	address_compared	{'sig': '256b0baaee639175', 'why': 'after gather', 'people': [{'home': 'tata Power House, Shivaji Nagar, Behind Saibab Mandir, Piswali, Kalyan East, Kalyan, Thane, 421306', 'person': 'Sandeep Shivram Waphilkar', 'against
30d ago	EzDocs	challan_boxes_composed	{'fp': 'e05ad638e230e836', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'FLAT NO 403 4TH FLOOR A WING YASHRAJ PARADISE
30d ago	EzDocs	property_self_check	{'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 17, 'trigger': 'after the Index II takeover'}
30d ago	EzDocs	property_from_index2	{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'sandeep waphilkar - Index 2.jpg', 'changed': {'taluka': {'was': None, 'ind
30d ago	EzDocs	index2_people_checked	{'doc_id': '453b5d4c-0d01-47aa-b5af-1f7a6312e334', 'differs': 0, 'matched': [{'score': 0.96, 'person': 'Sandeep Shivram Waphilkar', 'pan_agrees': True}, {'score': 0.98, 'person': 'SAKSHI SANDEEP WAPHILKAR', 'pan_agrees':
30d ago	EzDocs	trail_read	{'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_
30d ago	EzDocs	kyc_address_read	{'doc': 'aadhaar', 'pin': '421306', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'PISAVALI GAON', 'doc_id': '8f0df34
30d ago	EzDocs	kyc_address_read	{'doc': 'aadhaar', 'pin': '421306', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Kalyan', 'doc_id': '06452513-0366-
31d ago	EzDocs	property_self_check	{'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': "Road and Landmark fields could not be audited as
31d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260908-WA0025.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '0f43a329-5f9b-4d14-a0c2-d20c4233be58', 'fetched': True}
31d ago	EzDocs	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260908-WA0025
31d ago	EzDocs	claim_part_duplicate	{'utr': '661723108500', 'date': '2026-09-08', 'parts': 1, 'amount': 25180.0, 'claimed_total': 25180.0}
31d ago	EzDocs	property_attrs_split	{'now': {'Number type': 'SURVEY', 'Second number type': 'HISSA', 'Number': '33', 'Second number': '6A'}, 'was': {'Number type': 'OLD', 'Second number type': '', 'Number': 'Survey No. 33, Hissa No. 6A, Survey No. 33, Hissa No. 6/5'
34d ago	EzDocs	property_from_index2	{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'sandeep waphilkar - Index 2.jpg', 'changed': {'pin': {'was': '421306', 'in
36d ago	EzDocs	desk_documents_backfill	{'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 0, 'mailbox': None, 'subject': 'Re: SANDEEP SHIVRAM WAPHIL
36d ago	EzDocs	desk_documents_backfill	{'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 1, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re:
36d ago	EzDocs	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': 'SANDEEP SHIVRAM WAP
36d ago	EzDocs	stage_follows_desk_challan_mail	{'now': 'CHALLAN_PAID', 'why': 'the NOI team sent the challan on this thread and no branch mail came after it to trigger the usual re-read'}
36d ago	EzDocs	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; the stage follows the NOI team's deed"}
36d ago	EzDocs	quoted_history_checked	{}
36d ago	EzDocs	extra_challan_scanned	{'found': 0}
36d ago	EzDocs	email_shadowed:ack_docs	{'to': 'rahul.katkar@phfl.com', 'body': "Dear Team,\n\nWe acknowledge receipt of your documents for the captioned case (LAN: HOU/KLN/0826/5209289).\n\n Applicant : SANDEEP SHIVRAM WAPHILKAR\n LAN : HOU/KLN/0826/5
36d ago	EzDocs	claim_inside_desk_buffer	{'gap': 20.0, 'why': "the branch paid the statutory-exact figure — the gap is our ₹10 round-ups, the NOI team's buffer; counted as paid in full — nothing to ask for (the credit itself is still awaited)", 'claimed': 25180

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

₹25,180 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

For you to check: The work is done — our fee of ₹25,200 is still not in our account. Chase the branch for it.

Today · 15 Oct2 things

EzDocs checked the e-filing boxes against the papers