⚠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-2026-03180
PRAJAPATI BITTU DAYASHANKAR
LAN HOU/NAG/0726/5152712
Challan paid · our move
File on IGRAll documentsMails & papers 5Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
What the e-filing still needs1 still to come
7 of 8 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
A mail on this thread BOUNCED — the branch did NOT receive it. (Undeliverable: Re: Re[2]: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU ) Check the recipient address and re-send from Draft mails or the mailbox.
✓Sanction letteropen
✓Sale deedopen
✓Aadhaar cardopen
✓PAN cardopen
✓Selfie / photoopen
✓Paid challan (GRAS)open
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
All files (10)A label is wrong? Fix it under All documents.
Needs your eyes
- Mail bounced — the branch did not get it. Re-send.
- The work is done — our fee of ₹14,240.25 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹14,240.25CASE MARK
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹14,200; we wait for the credit itself
Ask for the exact ₹14,240.25. Those paise are this case’s own mark — the credit finds its case with nothing else needed.
Stamp duty 0.3%4,660
Registration fee 0.5%7,760
Government handling320
Our service fee1,500.25
Total we ask for14,240.25
Screenshot ₹14,200 — ₹40 under our ask, not below the real calculation ₹14,200. Counts as full. Nothing to ask.
Screenshot ₹14,200 — verified by itself the moment the bank credit is heard.
Screenshot ₹14,200 — 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 2026-07-17 — verified when Google's NEFT lands in the PNB account (within hours).
This money went to the Google Pay Business account on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 08:24 — 17 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
By law ₹14,220. We ask ₹14,240 (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.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan under a minuteour time (made after working hours) · 17 Jul 11:23
Index II —not yet
the NOI team 7 d 15 hthe branch 80 d 23 htotal 88 d 14 h so far
Now with the NOI team — e-filing on IGR
since 6 Oct 10:31 — 7 d 15 h of working time
Day by day — every step and who held it
17 Jul 11:23Your branch's mail
17 Jul 11:23Challan madeat once
6 Oct 10:30Papers from your branch+80 d 23 h · the branch
6 Oct 10:30Papers readat once
6 Oct 10:30Property readat once
6 Oct 10:30Papers from your branchat once
6 Oct 10:30Papers readat once
6 Oct 10:30Papers from your branchat once
6 Oct 10:30Papers readat once
6 Oct 10:31Papers from your branchat once
6 Oct 10:31Papers readat once
6 Oct 10:31Fee quotedat once
6 Oct 10:31Papers from your branchat once
6 Oct 10:31Papers readat once
6 Oct 10:31Papers from your branchat once
6 Oct 10:31Papers readat once
6 Oct 10:31Papers from your branchat once
6 Oct 10:31Papers readat once
6 Oct 10:31Papers from your branchat once
6 Oct 10:31Papers readat once
6 Oct 10:31Papers from your branchat once
6 Oct 10:31Papers readat once
Case facts
Bank
PNB_HFL
Loan amount
₹15,50,000
Loan account no.
HOU/NAG/0726/5152712
Bank’s own ref
—
Kind of case — the amount follows this
0.3% only / top-up: the branch asks for the 0.3% challan alone (a top-up,
or a stand-alone 0.3% challan) — the stamp duty and ₹100, nothing is filed. Change this and the amount
re-works itself.
Who paid the challan
The ask carries the stamp duty and registration fee we will pay on GRAS. If their own vendor already paid the challans, switch this — the ask re-works to our fee alone.
Open the filing pack
all the challan needs
Next step
File the NOI on the IGR site
The challan is paid. Open the e-filing portal — log in, and the NOI Co-pilot takes it from there: it types the Date of Mortgage (the portal creates the token right then, and it is written on this case), opens each page as the portal turns it yellow, picks every list with EzDocs and reads every page back against the case before it says “filled”. You check, do photo/thumb, and press each Save and the final submit. Then press this so the branch knows — it is what they chase when they ask for the token.
Before opening the portal, the engine sees:
• payment NOT verified — office rule: no filing before credit
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• 9 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, road, attr1_type, attr1_value
• Build Up Area not on file — read it off the Index II / sale deed
• changed — road: the case held SHOLK SHABD; filled SHLOK SHABD — the whole-file reading, from The Sale Deed, reads it so
• changed — flat no: the case held 123; filled PLOT NO 123 — the whole-file reading, from The Sale Deed, reads it so
New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.
⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box
CHECKProperty name spelling
| The sanction letter | SHOLK SHABD |
| The Sale Deed | SHLOK SHABD |
Why it matters: The layout name is spelled 'SHOLK SHABD' in the sanction letter but 'SHLOK SHABD' in the Sale Deed. This is a spelling transposition.
What to do: Verify the spelling against the final layout approval before filing.
Compared: the sanction letter; and the whole-file reading. Nothing here is typed or changed by itself.
Where this case stands — the whole trailEzDocs has not read this trail yet — the sweep reads every case whose mails grew, a few at a time
Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail
1Pay the challan on GRAS, then upload it hereDONE
Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). The engine reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.
✗ EzDocs found boxes that do NOT agree with the document (7d ago) — open the verification page; they are marked in red.
2File the NOI on the IGR site, then tell the branchYOU ARE HERE
then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.
3Send the downloaded e-filing copy
When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.
DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt
4Bank approval snip (Sammaan & Hinduja only)
These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.
No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.
Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.
Filing record (attempts, GRN, token)
| Attempt | GRN | Token | Status | Submitted |
|---|---|---|---|---|
| #1 principal | MH006585547202627E | — | pending |
Fix something every change is recorded with your name
Where did
you see the money? One tap is the same record, in your name:
Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.
Advanced — move the case by hand (ask Abhijit first)
Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.
The reply the engine wrote on this thread — yours to edit; nothing leaves until you press Send.
No draft is waiting on this case. The engine writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →
The conversation, word for word — attachments open on click. Mail thread, oldest first.
This thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.
📑 Open mails & papers — each mail beside its papers, ← → the next paper
OL
The NOI teamTYPED IN GMAIL
22 Sep, 19:01 · 21d ago THE APP JOINED HERE — earlier mails are on Gmail
22 Sep, 19:01 · 21d ago THE APP JOINED HERE — earlier mails are on Gmail
Re: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Fri, 21 Aug 2026 at 20:06, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need index 2 copy and colour selfie photo of applicant
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:12, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
PFA challan for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:00, 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. For noi filing we need a registered sale deed copy and a colour live selfie photo of the applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 11:22, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide Challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: Sudhir Chandekar ( sudhir.chandekar@phfl.com )
Date: 07/17/26 11:17
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com )
Subject: NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Dear madam,
pfa and send for chalan
Thanks & Regards,
Sudhir Chandekar
Team Leader - Loan
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9371458393
PHFL Home Loans and Services Limited
From: Yogesh Chavhan ( yogeshchavhan4390@gmail.com )
Date: 07/16/26 20:58
To: sudhir.chandekar@phfl.com
Exercise Secured by Check Point
🤖 read: asks the branch for documents
2 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
03 Oct, 18:00 · 10d ago
03 Oct, 18:00 · 10d ago
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 22 Sept 2026 at 19:01, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 20:06, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need index 2 copy and colour selfie photo of applicant
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:12, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
PFA challan for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:00, 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. For noi filing we need a registered sale deed copy and a colour live selfie photo of the applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 11:22, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide Challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: Sudhir Chandekar ( sudhir.chandekar@phfl.com )
Date: 07/17/26 11:17
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com )
Subject: NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Dear madam,
pfa and send for chalan
Thanks & Regards,
Sudhir Chandekar
Team Leader - Loan
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9371458393
PHFL Home Loans and Services Limited
From: Yogesh Chavhan ( yogeshchavhan4390@gmail.com )
Date: 07/16/26 20:58
To: sudhir.chandekar@phfl.com
Exercise Secured by Check Point
🤖 read: asks the branch for documents
BB
bharati.bhope@phfl.com phfl.com
06 Oct, 10:14 · 7d ago
06 Oct, 10:14 · 7d ago
Re[2]: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Dear Team,
Please note the said document will be executed after 2-3 months.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
earlier mails quoted below
From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 10/03/26 18:01
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Sudhir Chandekar ( sudhir.chandekar@phfl.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com ), Sunil Mishra ( sunil.mishra@pnbhousing.com ), Bhumeshwar Satpute ( bhumeshwar.satpute@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Pravin Waghmare ( pravin.waghmare@pnbhousing.com ), Sharda Gore ( sharda.gore@pnbhousing.com )
Subject: Re: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Exercise Secured by Check Point
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Tue, 22 Sept 2026 at 19:01, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 20:06, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need index 2 copy and colour selfie photo of applicant
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:12, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
PFA challan for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:00, 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. For noi filing we need a registered sale deed copy and a colour live selfie photo of the applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 11:22, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide Challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: Sudhir Chandekar ( sudhir.chandekar@phfl.com )
Date: 07/17/26 11:17
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com )
Subject: NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Dear madam,
pfa and send for chalan
Thanks & Regards,
Sudhir Chandekar
Team Leader - Loan
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9371458393
PHFL Home Loans and Services Limited
From: Yogesh Chavhan ( yogeshchavhan4390@gmail.com )
Date: 07/16/26 20:58
To: sudhir.chandekar@phfl.com
Exercise Secured by Check Point
🤖 read: note: The document will be executed after 2-3 months.
OL
The NOI teamTYPED IN GMAIL
10 Oct, 14:02 · 3d ago
10 Oct, 14:02 · 3d ago
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 6 Oct 2026 at 10:12, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please note the said document will be executed after 2-3 months.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 10/03/26 18:01
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Sudhir Chandekar ( sudhir.chandekar@phfl.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com ), Sunil Mishra ( sunil.mishra@pnbhousing.com ), Bhumeshwar Satpute ( bhumeshwar.satpute@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Pravin Waghmare ( pravin.waghmare@pnbhousing.com ), Sharda Gore ( sharda.gore@pnbhousing.com )
Subject: Re: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Exercise Secured by Check Point
🤖 read: asks the branch for documents — “For noi filing we need a registered sale copy and colour selfie photo of applicants..”
ME
microsoftexchange329e71ec88ae4615bbc36ab6ce41109e@pnbhflo365.onmicrosoft.com pnbhflo365.onmicrosoft.com
10 Oct, 14:03 · 3d ago
10 Oct, 14:03 · 3d ago
Undeliverable: Re: Re[2]: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
ExerciseSecured by Check Point
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 6 Oct 2026 at 10:12, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please note the said document will be executed after 2-3 months.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 10/03/26 18:01
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Sudhir Chandekar ( sudhir.chandekar@phfl.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com ), Sunil Mishra ( sunil.mishra@pnbhousing.com ), Bhumeshwar Satpute ( bhumeshwar.satpute@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Pravin Waghmare ( pravin.waghmare@pnbhousing.com ), Sharda Gore ( sharda.gore@pnbhousing.com )
Subject: Re: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Exercise Secured by Check Point
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 22 Sept 2026 at 19:01, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need a registered sale copy and colour selfie photo of applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 20:06, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
For noi filing we need index 2 copy and colour selfie photo of applicant
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:12, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
PFA challan for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 12:00, 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. For noi filing we need a registered sale deed copy and a colour live selfie photo of the applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 17 Jul 2026 at 11:22, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide Challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: Sudhir Chandekar ( sudhir.chandekar@phfl.com )
Date: 07/17/26 11:17
To: Bharati Bhope ( bharati.bhope@phfl.com )
Cc: Gulshan Harode 1 ( gulshan.harode1@pnbhousing.com ), Yogesh Purushottam Chavhan ( yogesh.chavhan@phfl.com )
Subject: NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Dear madam,
pfa and send for chalan
Thanks & Regards,
Sudhir Chandekar
Team Leader - Loan
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile: 9371458393
PHFL Home Loans and Services Limited
From: Yogesh Chavhan ( yogeshchavhan4390@gmail.com )
Date: 07/16/26 20:58
To: sudhir.chandekar@phfl.com
Exercise Secured by Check Point
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Original Message Details
Created Date:
10/10/2026 8:32:20 AM
Sender Address:
yogesh.chavhan+SRS=1Xjlx=IA=gmail.com=pnb.noifilling@phfl.com
Recipient Address:
yogesh.chavhan@phfl.com
Subject:
Re: Re[2]: Request for NOI AND CHALAN HOU/NAG/0726/5152712 PRAJAPATI BITTU DAYASHANKAR
Error Details
Error:
550 5.7.1 TRANSPORT.RULES.RejectMessage; the message was rejected by organization policy
Message rejected by:
MA0PR01MB9720.INDPRD01.PROD.OUTLOOK.COM
Notification Details
Sent by:
MA0PR01MB9720.INDPRD01.PROD.OUTLOOK.COM
Message Hops
HOP
TIME (UTC)
FROM
TO
WITH
RELAY TIME
1
10/10/2026
8:33:00 AM
mail-qv1-f48.google.com
SMTP
40 sec
2
10/10/2026
8:33:00 AM
mail-qv1-f48.google.com
TY2PEPF0000AB8A.mail.protection.outlook.com
Microsoft SMTP Server (version=TLS1_3, cipher=TLS_AES_256_GCM_SHA384
🤖 read: The team needs a registered sale copy and colour selfie photo of applicants.
Every file the branch sent, and what the engine read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.
| Document | File — click to open | Status | When |
|---|---|---|---|
| Sanction letter | SKM_226i26071710330.pdf | filed | 7d ago |
| Sale deed | KH.NO-101,102 PLOT NO-123.pdf | filed | 7d ago |
| Payment screenshot | IMG-20260717-WA0003.jpg | filed | 7d ago |
| Aadhaar card | 1784215614114.jpg | filed | 7d ago |
| PAN card | 1784215614181.jpg | filed | 7d ago |
| Selfie / photo | 1784215614136.jpg | filed | 7d ago |
| PAN card | 1784215614204.jpg | filed | 7d ago |
| Aadhaar card | 1784215614159.jpg | filed | 7d ago |
| Selfie / photo | 1784215614230.jpg | CANNOT BE READ — clear copy asked | 7d ago |
| Paid challan (GRAS) | PRAJAPATI BITTU DAYASHANKAR EchallanMH006585547202627E.pdf | filed | 7d 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
₹14,240.25
₹14,240.25
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
₹14,200 656409117992
₹14,200 656409117992
Screenshot ₹14,200 — ₹40 under our ask, not below the real calculation ₹14,200. Counts as full. Nothing to ask.
Screenshot ₹14,200 — verified by itself the moment the bank credit is heard.
Screenshot ₹14,200 — 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 2026-07-17 — verified when Google's NEFT lands in the PNB account (within hours).
Paid at
—
—
Verified on
not yet
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹4,660 | ₹7,760 | ₹320 | ₹1,500 | ₹14,240 |
By law ₹14,220. We ask ₹14,240 (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.
Property (must be perfect)
33 of 46 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Building (with wing), Floor, Property type (Open / Building / Open + Building) …
13 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, derived, or EzDocs was not sure: District, Taluka, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number type, Second number …
✗ EzDocs found boxes that do NOT agree with the document (7d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
SKM_226i26071710330.pdf
as printed
PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VILLAGE WANADONGRI, TAHSIL HINGNA, P H NO 46, NAGPUR, VILLAGE WANADONGRI, NAGPUR, MAHARASHTRA, INDIA, 440016
PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VILLAGE WANADONGRI, TAHSIL HINGNA, P H NO 46, NAGPUR, VILLAGE WANADONGRI, NAGPUR, MAHARASHTRA, INDIA, 440016
PIN
440016
440016
THE CHALLAN, as it will be typed
Flat/Survey Number
PLOT NO 123 KHASRA NO 101 AND 102 P S K 46 P H NO 46
PLOT NO 123 KHASRA NO 101 AND 102 P S K 46 P H NO 46
Locality/Road
SHOLK SHABD MOUZA WANADONGRI VILLAGE WANADONGRI TAHSIL HINGNA DIST NAGPUR
SHOLK SHABD MOUZA WANADONGRI VILLAGE WANADONGRI TAHSIL HINGNA DIST NAGPUR
Area/City
NAGPUR
check or correct a box, the papers beside it →NAGPUR
Every paper prints the same words as the base paper.
Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.
Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| mortgagor | PRAJAPATI BITTU DAYASHANKAR | DCWPP4938P | …0271 |
| mortgagor | AMAR JIT PRAJAPATI | BSWPP0311E | …4783 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| document chase | bharati.bhope@phfl.com | 7d ago |
What the engine read from each document — check anything marked in red
Sanction letter SKM_226i26071710330.pdf needs your check
lan
HOU/NAG/0726/5152712
HOU/NAG/0726/5152712
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'PRAJAPATI BITTU DAYASHANKAR', 'role': 'applicant', 'label': 'Applicant:'}, {'name': 'AMAR JIT PRAJAPATI', 'role': 'applicant', 'label': 'Applicant:'}
{'name': 'PRAJAPATI BITTU DAYASHANKAR', 'role': 'applicant', 'label': 'Applicant:'}, {'name': 'AMAR JIT PRAJAPATI', 'role': 'applicant', 'label': 'Applicant:'}
confidence
1
1
rate words
13.15% per annum 13.15% -4.85% = 8.30% per annum as on the date of execution of the loan agreement
13.15% per annum 13.15% -4.85% = 8.30% per annum as on the date of execution of the loan agreement
loan amount
1500000
1500000
rate spread
-4.85
-4.85
final amount
1550000
1550000
interest rate
8.3
8.3
sanction date
10-Jul-2026
10-Jul-2026
letter version
5
5
reference rate
13.15
13.15
applicant email
bittuprajapati221@gmail.com
bittuprajapati221@gmail.com
applicant names
PRAJAPATI BITTU DAYASHANKAR, AMAR JIT PRAJAPATI
PRAJAPATI BITTU DAYASHANKAR, AMAR JIT PRAJAPATI
printed altered
False
False
applicant mobile
8295268334
8295268334
balance transfer
False
False
property address
pin: 440016; road: SHOLK SHABD; state: MAHARASHTRA; taluka: HINGNA; flat_no: 123; district: NAGPUR; landmark: P S K 46, P H NO 46; full_address: PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VI
pin: 440016; road: SHOLK SHABD; state: MAHARASHTRA; taluka: HINGNA; flat_no: 123; district: NAGPUR; landmark: P S K 46, P H NO 46; full_address: PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VI
insurance premium
50000
50000
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
1550000
1550000
security address verbatim
PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VILLAGE WANADONGRI, TAHSIL HINGNA, P H NO 46, Nagpur, VILLAGE WANADONGRI, Nagpur, MAHARASHTRA, India, 440016
PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VILLAGE WANADONGRI, TAHSIL HINGNA, P H NO 46, Nagpur, VILLAGE WANADONGRI, Nagpur, MAHARASHTRA, India, 440016
applicant address verbatim
PLOT NO. 23 GANESH NAGAR, AMARAVTI ROAD, DAWALAMETI, ., NAGPUR, Nagpur, MAHARASHTRA, 440023, India
PLOT NO. 23 GANESH NAGAR, AMARAVTI ROAD, DAWALAMETI, ., NAGPUR, Nagpur, MAHARASHTRA, 440023, India
raw reading (for Abhijit)
{'lan': 'HOU/NAG/0726/5152712', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'PRAJAPATI BITTU DAYASHANKAR', 'role': 'applicant', 'label': 'Applicant:'}, {'name': 'AMAR JIT PRAJAPATI', 'role': 'applicant', 'label': 'Applicant:'}], 'loan_type': None, 'confidence': 1, 'rate_words': '13.15% per annum 13.15% -4.85% = 8.30% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1500000, 'rate_spread': -4.85, 'final_amount': 1550000, 'interest_rate': 8.3, 'quality_issue': None, 'sanction_date': '10-Jul-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'bittuprajapati221@gmail.com', 'applicant_names': ['PRAJAPATI BITTU DAYASHANKAR', 'AMAR JIT PRAJAPATI'], 'printed_altered': False, 'applicant_mobile': '8295268334', 'balance_transfer': False, 'property_address': {'pin': '440016', 'road': 'SHOLK SHABD', 'state': 'MAHARASHTRA', 'taluka': 'HINGNA', 'flat_no': '123', 'district': 'NAGPUR', 'floor_no': None, 'landmark': 'P S K 46, P H NO 46', 'full_address': 'PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VILLAGE WANADONGRI, TAHSIL HINGNA, P H NO 46, Nagpur, VILLAGE WANADONGRI, Nagpur, MAHARASHTRA, India, 440016', 'village_city': 'WANADONGRI', 'building_name': None, 'survey_or_cts_no': 'KH NO 101 AND 102'}, 'insurance_premium': 50000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1550000, 'security_address_verbatim': 'PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, VILLAGE WANADONGRI, TAHSIL HINGNA, P H NO 46, Nagpur, VILLAGE WANADONGRI, Nagpur, MAHARASHTRA, India, 440016', 'applicant_address_verbatim': 'PLOT NO. 23 GANESH NAGAR, AMARAVTI ROAD, DAWALAMETI, ., NAGPUR, Nagpur, MAHARASHTRA, 440023, India'}Payment screenshot IMG-20260717-WA0003.jpg needs your check
utr
656409117992
656409117992
date
2026-07-17
2026-07-17
time
10:13
10:13
amount
14200
14200
method
Google Pay
Google Pay
payee upi
9892834356-2@okbizaxis
9892834356-2@okbizaxis
payer upi
bittuprajapati221@okaxis
bittuprajapati221@okaxis
payee name
THINKBIGZ INITIATIVE PVT LTD
THINKBIGZ INITIATIVE PVT LTD
payer name
BITTU DAYASHANKAR PRAJAPATI
BITTU DAYASHANKAR PRAJAPATI
raw reading (for Abhijit)
{'utr': '656409117992', 'date': '2026-07-17', 'time': '10:13', 'amount': 14200, 'method': 'Google Pay', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': 'bittuprajapati221@okaxis', 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': 'BITTU DAYASHANKAR PRAJAPATI', 'debit_notification_text': None}Aadhaar card 1784215614114.jpg needs your check
dob
1995-08-22
1995-08-22
name
Prajapati Bittu Dayashankar
Prajapati Bittu Dayashankar
address
pin: 440023; area: GANESH NAGAR DAWALAMETI; flat: PLOT NO. 23; road: AMRAVATI ROAD; state: Maharashtra; district: Nagpur; village_city: Wadi, Nagpur
pin: 440023; area: GANESH NAGAR DAWALAMETI; flat: PLOT NO. 23; road: AMRAVATI ROAD; state: Maharashtra; district: Nagpur; village_city: Wadi, Nagpur
legible
True
True
aadhaar last4
0271
0271
raw reading (for Abhijit)
{'dob': '1995-08-22', 'pan': None, 'name': 'Prajapati Bittu Dayashankar', 'mobile': None, 'address': {'pin': '440023', 'area': 'GANESH NAGAR DAWALAMETI', 'flat': 'PLOT NO. 23', 'road': 'AMRAVATI ROAD', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Nagpur', 'post_office': None, 'village_city': 'Wadi, Nagpur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '0271', 'quality_issue': None}PAN card 1784215614181.jpg needs your check
dob
1995-08-22
1995-08-22
pan
DCWPP4938P
DCWPP4938P
name
PRAJAPATI BITTU DAYASHANKAR
PRAJAPATI BITTU DAYASHANKAR
legible
True
True
father name
DAYASHANKAR RAMLUTAWAN PRAJAPATI
DAYASHANKAR RAMLUTAWAN PRAJAPATI
raw reading (for Abhijit)
{'dob': '1995-08-22', 'pan': 'DCWPP4938P', 'name': 'PRAJAPATI BITTU DAYASHANKAR', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DAYASHANKAR RAMLUTAWAN PRAJAPATI', 'aadhaar_last4': None, 'quality_issue': None}Selfie / photo 1784215614136.jpg needs your check
kind
live_selfie
live_selfie
legible
True
True
confidence
0.9
0.9
face visible
True
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}PAN card 1784215614204.jpg needs your check
dob
1991-08-15
1991-08-15
pan
BSWPP0311E
BSWPP0311E
name
AMAR JIT PRAJAPATI
AMAR JIT PRAJAPATI
legible
True
True
father name
DAYA SHANKAR PRAJAPATI
DAYA SHANKAR PRAJAPATI
raw reading (for Abhijit)
{'dob': '1991-08-15', 'pan': 'BSWPP0311E', 'name': 'AMAR JIT PRAJAPATI', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DAYA SHANKAR PRAJAPATI', 'aadhaar_last4': None, 'quality_issue': None}Aadhaar card 1784215614159.jpg needs your check
dob
1991-08-15
1991-08-15
name
Amar Jit Prajapati
Amar Jit Prajapati
address
pin: 440023; area: aathwa mail; flat: Plot No- 23; road: 8h Mile,Amravati Road; state: Maharashtra; building: Ganesh nagar; district: Nagpur; village_city: Nagpur Dawlameti
pin: 440023; area: aathwa mail; flat: Plot No- 23; road: 8h Mile,Amravati Road; state: Maharashtra; building: Ganesh nagar; district: Nagpur; village_city: Nagpur Dawlameti
legible
True
True
aadhaar last4
4783
4783
raw reading (for Abhijit)
{'dob': '1991-08-15', 'pan': None, 'name': 'Amar Jit Prajapati', 'mobile': None, 'address': {'pin': '440023', 'area': 'aathwa mail', 'flat': 'Plot No- 23', 'road': '8h Mile,Amravati Road', 'floor': None, 'state': 'Maharashtra', 'building': 'Ganesh nagar', 'district': 'Nagpur', 'post_office': None, 'village_city': 'Nagpur Dawlameti'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '4783', 'quality_issue': None}Selfie / photo 1784215614230.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
0.9
0.9
face visible
True
True
quality issue
this is a photograph of a passport-size print, not a live selfie
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'}Paid challan (GRAS) PRAJAPATI BITTU DAYASHANKAR EchallanMH006585547202627E.pdf needs your check
grn
MH006585547202627E
MH006585547202627E
pin
440016
440016
total
12410.0
12410.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026071700409
03006172026071700409
district
NAGPUR
NAGPUR
area city
NAGPUR
NAGPUR
payer pan
DCWXXXXXXP
DCWXXXXXXP
flat block
PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, P H NO 46
PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, P H NO 46
payer name
PRAJAPATI BITTU DAYASHANKAR
PRAJAPATI BITTU DAYASHANKAR
sro office
HGN_HINGNA SUB REGISTRAR
HGN_HINGNA SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1550000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1550000
scheme rows
{'amount': 4655.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7755.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 4655.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7755.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX8334
XXXXXX8334
payment date
17/07/2026
17/07/2026
road locality
VILLAGE WANADONGRI, TAHSIL HINGNA, NAGPUR, MAHARASHTRA
VILLAGE WANADONGRI, TAHSIL HINGNA, NAGPUR, MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
1550000
1550000
raw reading (for Abhijit)
{'grn': 'MH006585547202627E', 'pin': '440016', 'total': 12410.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026071700409', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'DCWXXXXXXP', 'flat_block': 'PLOT NO 123, SHOLK SHABD, KH NO 101 AND 102, MOUZA WANADONGRI, P S K 46, P H NO 46', 'payer_name': 'PRAJAPATI BITTU DAYASHANKAR', 'sro_office': 'HGN_HINGNA SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1550000', 'scheme_rows': [{'amount': 4655.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7755.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX8334', 'payment_date': '17/07/2026', 'road_locality': 'VILLAGE WANADONGRI, TAHSIL HINGNA, NAGPUR, MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1550000'}Payment screenshot IMG-20260717-WA0003.jpg needs your check
payments inside
bank: State Bank of India; kind: payment_screenshot; payments: [{'utr': '656409117992', 'date': '2026-07-17', 'page': 1, 'time': '10:13', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 14200.0, 'direction': 'credit',
bank: State Bank of India; kind: payment_screenshot; payments: [{'utr': '656409117992', 'date': '2026-07-17', 'page': 1, 'time': '10:13', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 14200.0, 'direction': 'credit',
raw reading (for Abhijit)
{'payments_inside': {'bank': 'State Bank of India', 'kind': 'payment_screenshot', 'payments': [{'utr': '656409117992', 'date': '2026-07-17', 'page': 1, 'time': '10:13', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 14200.0, 'direction': 'credit', 'narration': 'To: THINKBIGZ INITIATIVE PVT LTD 9892834356-2@okbizaxis From: BITTU DAYASHANKAR PRAJAPATI (State Bank of India) Google Pay bittuprajapati221@okaxis Google transaction ID CICAgLj40rSAPA', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '3808', 'account_holder': 'BITTU DAYASHANKAR PRAJAPATI'}}Technical record (for Abhijit — safe to ignore)
| 0m ago | system:extract | challan_boxes_composed | {'fp': '30b166ec391b9060', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'first', 'box1': 'PLOT NO 123 KHASRA NO 101 AND 10 |
| 1h ago | ezdocs:reader | reader_efiling_verdict | {'fp': '8bcd7969bc4ae754', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is required but is empty.', |
| 1h ago | ezdocs:reader | reader_mail_addition | {'fp': 'ee30642261f9e4af', 'add': {}, 'why': 'The mail provides an address for a branch office, not the property being mortgaged.', 'asked': True, 'quote': '', 'same_property': False} |
| 3d ago | system:ingest | mail_bounced | {'why': "the branch did NOT receive the NOI team's mail — check the address and re-send", 'from': 'microsoftexchange329e71ec88ae4615bbc36ab6ce41109e@pnbhflo365.onmicrosoft.com', 'subject': 'Undeliverable: Re: Re[2]: Requ |
| 6d ago | system:reconcile | match_reverted_done_case | {'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'CHALLAN_PAID', 'method': 'gpay_lump_s |
| 6d ago | system:reconcile | match_undone | {'ref': 'AXNGG27329651495', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 22952.0, 'reason': 'amount-only match |
| 6d ago | system:payments | case_reevaluated | {'stage_after': 'CHALLAN_PAID'} |
| 6d ago | system:payments | gpay_lump_split | {'utr': 'AXNGG27329651495', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun |
| 6d ago | system:payments | payment_verified | {'utr': 'AXNGG27329651495', 'why': "paid ₹14,200, ₹40 under our ask of ₹14,240 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept |
| 6d ago | system:payments | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, |
| 6d ago | system:reconcile | match_reverted_done_case | {'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'CHALLAN_PAID', 'method': 'gpay_lump_s |
| 6d ago | system:reconcile | match_undone | {'ref': 'AXNGG27329651495', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 22952.0, 'reason': 'amount-only match |
| 6d ago | system:payments | case_reevaluated | {'stage_after': 'CHALLAN_PAID'} |
| 6d ago | system:payments | gpay_lump_split | {'utr': 'AXNGG27329651495', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun |
| 6d ago | system:payments | payment_verified | {'utr': 'AXNGG27329651495', 'why': "paid ₹14,200, ₹40 under our ask of ₹14,240 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept |
| 6d ago | system:payments | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, |
| 6d ago | system:reconcile | match_reverted_done_case | {'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'CHALLAN_PAID', 'method': 'gpay_lump_s |
| 6d ago | system:reconcile | match_undone | {'ref': 'AXNGG27329651495', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 22952.0, 'reason': 'amount-only match |
| 6d ago | system:payments | case_reevaluated | {'stage_after': 'CHALLAN_PAID'} |
| 6d ago | system:payments | gpay_lump_split | {'utr': 'AXNGG27329651495', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun |
| 6d ago | system:payments | payment_verified | {'utr': 'AXNGG27329651495', 'why': "paid ₹14,200, ₹40 under our ask of ₹14,240 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept |
| 6d ago | system:payments | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, |
| 6d ago | system:reconcile | match_reverted_done_case | {'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'CHALLAN_PAID', 'method': 'gpay_lump_s |
| 6d ago | system:reconcile | match_undone | {'ref': 'AXNGG27329651495', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 22952.0, 'reason': 'amount-only match |
| 6d ago | system:payments | case_reevaluated | {'stage_after': 'CHALLAN_PAID'} |
| 6d ago | system:payments | gpay_lump_split | {'utr': 'AXNGG27329651495', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun |
| 6d ago | system:payments | payment_verified | {'utr': 'AXNGG27329651495', 'why': "paid ₹14,200, ₹40 under our ask of ₹14,240 — the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; accept |
| 6d ago | system:payments | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, |
| 6d ago | system:reconcile | match_reverted_done_case | {'why': 'the engine had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under NEEDS EYES', 'stage': 'CHALLAN_PAID', 'method': 'gpay_lump_s |
| 6d ago | system:reconcile | match_undone | {'ref': 'AXNGG27329651495', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 22952.0, 'reason': 'amount-only match |
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
₹14,200 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
Us
file on the IGR site
Needs your eyes: Mail bounced — the branch did not get it. Re-send. The work is done — our fee of ₹14,240.25 is still not in our account. Chase the branch for it.
Today · 14 Oct1 thing
challan boxes composed
Yesterday · 13 Oct2 things — 2 steps
reader efiling verdict — by ezdocs:reader
reader mail addition — by ezdocs:reader
10 Oct1 thing — 1 caution
A mail could not be delivered — the branch did NOT receive it
The branch never got that letter — re-send it.
7 Oct177 things — 177 steps
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
6 Oct170 things — 10 documents received · 2 letters written · 1 caution · 157 steps
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
match reverted done case
match undone
property self check
extra challan scanned
gpay lump split
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The home address was read off the papers — by ezdocs:reader
file note490
case read — by ezdocs:reader
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.
An old draft withdrew itself — its asks were already answered
thread docs swept
Documents the branch had sent were fetched from the mail thread
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
PRAJAPATI BITTU DAYASHANKAR EchallanMH006585547202627E.pdf
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: Selfie — not usable
1784215614230.jpg — this is a photograph of a passport-size print, not a live selfie
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Received: Aadhaar
1784215614159.jpg
roles from letter
Co-applicant added
Received: PAN card
1784215614204.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
1784215614136.jpg
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: PAN card
1784215614181.jpg
roles from letter
kyc address read
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03180
No fee quote sent — the branch's own figures were right
The payment proof already on the case was applied
Received: Aadhaar
1784215614114.jpg
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
IMG-20260717-WA0003.jpg
money settled — by ezdocs:reader
Received: Sale deed
KH.NO-101,102 PLOT NO-123.pdf
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
Received: Sanction letter
SKM_226i26071710330.pdf
old thread stored only
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.
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