⚠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.
Pankaj Ramdas Kanchar
Mails & papers 14 1 draft to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
6 Oct, 13:58
Documents
took 1h 14m
Payment
done 6 Oct, 15:45
Challan
took 1h · GRAS ↗
Filing
took 1d · IGR e-filing ↗
E-filing copy
done 7 Oct, 17:10
Index II
took 4d 18h
doneIndex II shared · the trail says: The branch has sent the loan documents and requested to initiate the NOI process. The team needs to provide the payment calculation and scanner/payment details.whole case so far 7d 9h
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
Yesterday · 12 Oct3 things
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9990710260693.pdf
9 Oct2 things — 2 steps
file note490
mail against file490 — by ezdocs:reader
8 Oct2 things — 2 steps
file note490
mail against file490 — by ezdocs:reader
7 Oct9 things — 2 documents received · 1 letter written · 6 steps
dhc prn read
efiling copy read
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9990710260693.pdf
file note490
mail against file490 — by ezdocs:reader
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
IMG-20261007-WA0007.jpg
6 Oct97 things — 13 documents received · 6 letters written · 1 money step · 2 cautions · 75 steps
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
KANCHAR PANKAJ RAMDAS EchallanMH011484096202627E.pdf
copilot edit — by copilot:Nikhil
paper locate — by ezdocs:reader
copilot check ok — by copilot
form checked489
challan boxes from reading — by copilot
challan boxes by rules
reader mail addition — by ezdocs:reader
gpay settled
The home address was read off the papers — by ezdocs:reader
file note490
mail against file490 — by ezdocs:reader
money settled — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
address compared
applicant email captured
roles from letter
Received: Sanction letter
KFSLetter_77000350679.pdf
file note490
mail against file490 — by ezdocs:reader
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
Re: : Request you to initiate MODT and NOI in the case of // PANKAJ RAMDAS KANCHAR//77000350679//10330356
An old draft withdrew itself — its asks were already answered
An old draft withdrew itself — its asks were already answered
screenshot claim recorded
Received: Payment screenshot
IMG-20261006-WA0011.jpg
Nothing new to ask for — stayed quiet
Wrote the document chase mail — held, silent mode
: Request you to initiate MODT and NOI in the case of // PANKAJ RAMDAS KANCHAR//77000350679//10330356
An old draft withdrew itself — its asks were already answered
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
quoted history checked
desk quote read
extra challan scanned
file note490
case read — by ezdocs:reader
case read started — by ezdocs:reader
boxes gathered
address compared
challan boxes by rules
property self check
property self check
property from index2
index2 people checked
property numbers completed
documents read together
property self check
property from index2
index2 people checked
property english extracted
index2 people checked
Index II (title document) received from the branch
property from index2
index2 people checked
property english extracted
index2 people checked
Index II (title document) received from the branch
document read again
kyc address read
document read again
Nothing new to ask for — stayed quiet
kyc address read
document read again
Wrote the document chase mail — held, silent mode
NOI case
Wrote the fee quote mail — held, silent mode
NOI case
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Property checked by the engine — read from the report, every box that names the flat is there
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Property read from the legal / technical report (the sanction letter had none)
Received: Technical report
IND_APF_REPORT_10330356VAL1.pdf
document read again
Received: PAN card
Applicant_20260902154630751937 (1).pdf
Received: Aadhaar
HE015472 (1).pdf
Received: Aadhaar
HE015472.pdf
card name not read454
Received: Index II
index 2 pankaj kanchar.pdf
Co-applicant added
EzDocs read the whole trail as one conversation — where the case stands is on the page
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
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: PAN card
IMG-20261006-WA0004.jpg
Received: Selfie — not usable
IMG-20261006-WA0003.jpg — this is a photograph of a passport-size print, not a live selfie
Received: Aadhaar
IMG-20261006-WA0001.jpg
Received: Aadhaar
IMG-20261006-WA0002.jpg
Received: Selfie — not usable
IMG-20261006-WA0000.jpg — this is a photograph of a passport-size print, not a live selfie
case type guessed from mail
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needsall in
11 of 11 in hand · the challan is done — these are for the filing / KYC
✓Selfie / photoopen
✓Aadhaar cardopen
✓PAN cardopen
✓Technical reportopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 16 files
The file, as the engine remembers it5 open
Completed property details based on the Technical Report (Doc 2) as per ICICI HFC bank rule. Payer name is set to KANCHAR PANKAJ RAMDAS as per his PAN card.
✗the photo could not be read (IMG-20261006-WA0000.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
✗the photo could not be read (IMG-20261006-WA0003.jpg) — the branch — this is a photograph of a passport-size print, not a live selfie
○SUKANYA PANKAJ KANCHAR — mobile — the branch
○SUKANYA PANKAJ KANCHAR — e-mail — the branch
○property — title deed held — the branch
the branch's last mail (2026-10-09): The branch is asking for an update on the NOI status.
read once, kept; every new mail and paper is read against this note · kept 2026-10-09T07:38 UTC
Moneyall of it is in
₹27,570.44
Reached our account 6 Oct 15:35:00.
How we know
Our own bank told us — 6 Oct 15:35
₹27,570 · from GPAY-BIZ
“₹27,570 received from Pankaj K at 3:35 pm”
Matched by: AMOUNT ALONE — equals the figure the NOI team quoted · the payer is the applicant himself — his own fee; Google's alert; the NEFT has settled
The working
Stamp duty 0.3%10,520
Registration fee 0.5%15,000
Government handling350
Our service fee1,700
Total we ask for27,570.44
By law ₹27,555.25. We ask ₹27,570 (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.
Propertyby the engine, from the Index II
4, Ground, Shri Balaji Sahakari Gruhrachana Sanstha Maryadit, Wing C, SURVEY, 75, Baner, 411045
read from the Index II · e-filing boxes 40 of 46 ready
Check the property →the boxes beside the paper
People
SUKANYA PANKAJ KANCHAR · co-applicantCHXPK0780RPankaj Ramdas Kanchar · applicantARTPK8698J
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