Cases / NOI-2026-03236
Roshan Dinkar Jumde
LAN HOU/NAG/0726/5158738
Challan paid · our move
File on IGRAll documentsMails & papers 4Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs1 still to come
10 of 11 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓Selfie / photoopen
✓Sanction letteropen
✓Sale deedopen
✓Paid challan (GRAS)open
A challan whose owner could not be read — not counted until a person says — inside REgd AGreement to sell Roshan Jumdopen
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
All files (5)A label is wrong? Fix it under All documents.
MoneyAll of it is in
₹30,980.65CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹30,960 receivedmatches the branch's receipt
Stamp duty 0.3%14,160
Registration fee 0.5%15,000
Government handling320
Our service fee1,500.65
Total we ask for30,980.65
the branch’s receipt claims ₹30,960 885015533351
paid 6 Oct 16:02:02 · verified 7 Oct 12:40:05 · 20 h 38 min later
How we know
Our own bank told us — 6 Oct 16:02
₹30,960 · UTR AXNGG27976964178 · from JD-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.30960.00,06-10-2026 16:02:02 thru NEFT from AXNGG27976964178/GOOGLE INDIA DIGITAL. Aval Bal 169177.05 CR Helpline 18001800/18002021-PNB”
Matched by: the screenshot's amount equals this credit · counted full inside our buffer
By law ₹30,967.61. We ask ₹30,980 (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 43 minour time · 7 Oct 13:22
Index II —not yet
the NOI team 8 d 5 htotal 8 d 5 h so far
Now with the NOI team — e-filing on IGR
since 7 Oct 13:22 — 8 d 4 h of working time
Day by day — every step and who held it
7 Oct 12:40Your branch's mail
7 Oct 12:40Payment landedat once
7 Oct 12:40Payment verifiedat once
7 Oct 12:40Papers readat once
7 Oct 12:40Fee quotedat once
7 Oct 12:40Property readat once
7 Oct 12:40Ready for the challanat once
7 Oct 13:22Challan made+43 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹47,15,870
Loan account no.
HOU/NAG/0726/5158738
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
CONFIRM THE PROPERTY — then file
EzDocs read these from the Index II. If they are right, press Confirm.
See the boxes — read from the Index II
District
Nagpur
Taluka
Nagpur (Rural)
Village
Wela Harishchandra & Kharsoli
Number type
KHASRA
Number
79
Building
BROOKSIDE
Floor
8th
Flat / shop no
C5-856
Area
149.39
Hadd
Kharsoli Gram Panchayat
Read from the Index II on file — the government's own words for this property. REgd AGreement to sell Roshan Jumde(2).pdf open it
✓ EzDocs checked every box against the document’s own words 8d ago — all agree.
To look first, or to fix a box, open the verification page — the document beside every box.
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:
• Mortgagor pages: SHRUTI ROSHAN JUMDE is named on the sanction letter (SKM_226i26100711470.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card
• SHRUTI ROSHAN JUMDE: PAN missing — no PAN card of SHRUTI ROSHAN JUMDE is read on the file — the PAN cards on it (ROSHAN DINKAR JUMDE, SKM_226i26100711470.pdf) are beside the form; type the PAN off the person's own card
• SHRUTI ROSHAN JUMDE: birth date missing — no PAN card of SHRUTI ROSHAN JUMDE is read on the file — the PAN cards on it (ROSHAN DINKAR JUMDE, SKM_226i26100711470.pdf) are beside the form; type the birth date off the person's own card
• 7 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: Hadd type, Hadd name, road, Second number, Floor, Property type
• changed — village: the case held WELA HARISHCHANDRA & KHARSOLI; filled KHARASOLI — EzDocs (reading the whole file), from the sanction letter's security row and the MOTD description, reads it so
• changed — local body name: the case held KHARSOLI GRAM PANCHAYAT; filled GRAM PANCHAYAT — EzDocs (reading the whole file), from the sanction letter's security row and the MOTD description, 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.
Where this case stands — the whole trailread by EzDocs as one conversation
The branch has sent the initial loan documents and is asking for the challan and NOI. The team needs to provide a fee quote to the branch.
the history says the next move is with the NOI team — the fee quote
the branch last asked: Please provide challan and NOI.
✓ loan papers sent — done, mail 1 (2026-10-07) “REgd AGreement to sell Roshan Jumde(2).pdf, Photo Mr. Jumde.jpg, SKM_226i26100711470.pdf, IMG-20261006-WA0057.jpg”
read over 1 mail(s), last mail 2026-10-07 · read 8d 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 8d 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 |
|---|---|---|---|---|
| #1 principal | MH011535470202627E | — | 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.
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
BB
bharati.bhope@phfl.com phfl.com
07 Oct, 12:40 · 8d ago THE FIRST MAIL — how this case began
07 Oct, 12:40 · 8d ago THE FIRST MAIL — how this case began
Request for challan and NOI _ HOU/NAG/0726/5158738 ROSHAN DINKAR JUMDE
📎 IMG-20261006-WA0057.jpg↗📎 Photo Mr. Jumde.jpg↗📎 SKM_226i26100711470.pdf↗📎 REgd AGreement to sell Roshan Jumde(2).pdf↗
Dear Team,
Please provide challan and NOI.
Please note: --
Also process for NOI as Registered Agreement to sell i.e. Registered Document is also enclosed with this mail.
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: Rajesh Belsare (rajeshbelsare1976@gmail.com)
Date: 10/07/26 12:06
To: bharati.bhope@phfl.com
Subject: Photo from rajeshbelsare1976
Exercise Secured by Check Point
🤖 read: asks for the challan, the e-filing copy; documents attached; note: The branch asks to process the NOI as a Registered Agreement to Sell. — “Please provide challan and NOI.”
OL
The NOI teamTYPED IN GMAIL
07 Oct, 13:14 · 8d ago
07 Oct, 13:14 · 8d ago
Team,
We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 7 Oct 2026 at 12:39, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide challan and NOI.
Please note: --
Also process for NOI as Registered Agreement to sell i.e. Registered Document is also enclosed with this mail.
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: Rajesh Belsare (rajeshbelsare1976@gmail.com)
Date: 10/07/26 12:06
To: bharati.bhope@phfl.com
Subject: Photo from rajeshbelsare1976
Exercise Secured by Check Point
🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
07 Oct, 13:25 · 8d ago
07 Oct, 13:25 · 8d ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 7 Oct 2026 at 13:14, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 7 Oct 2026 at 12:39, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide challan and NOI.
Please note: --
Also process for NOI as Registered Agreement to sell i.e. Registered Document is also enclosed with this mail.
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: Rajesh Belsare (rajeshbelsare1976@gmail.com)
Date: 10/07/26 12:06
To: bharati.bhope@phfl.com
Subject: Photo from rajeshbelsare1976
Exercise Secured by Check Point
🤖 read: challan shared ✓ — “PFA challan for your reference.”
OL
The NOI teamTYPED IN GMAIL
07 Oct, 13:25 · 8d ago
07 Oct, 13:25 · 8d ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 7 Oct 2026 at 13:14, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 7 Oct 2026 at 12:39, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide challan and NOI.
Please note: --
Also process for NOI as Registered Agreement to sell i.e. Registered Document is also enclosed with this mail.
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: Rajesh Belsare (rajeshbelsare1976@gmail.com)
Date: 10/07/26 12:06
To: bharati.bhope@phfl.com
Subject: Photo from rajeshbelsare1976
Exercise Secured by Check Point
🤖 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-20261006-WA0057.jpg | filed | 8d ago |
| Selfie / photo | Photo Mr. Jumde.jpg | filed | 8d ago |
| Sanction letter+ Aadhaar card inside+ PAN card inside+ MOTD inside | SKM_226i26100711470.pdf | filed | 8d ago |
| Sale deed+ Index II inside+ A challan whose owner could not be read — not counted until a person says inside | REgd AGreement to sell Roshan Jumde(2).pdf | filed | 8d ago |
| Paid challan (GRAS) | ROSHAN DINKAR JUMDE EchallanMH011535470202627E.pdf | filed | 8d 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
₹30,980.65
₹30,980.65
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹30,960 885015533351
₹30,960 885015533351
Paid at
6 Oct 16:02:02
6 Oct 16:02:02
Verified on
7 Oct 12:40:05
7 Oct 12:40:05
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹14,160 | ₹15,000 | ₹320 | ₹1,500 | ₹30,980 |
By law ₹30,967.61. We ask ₹30,980 (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 34 e-filing boxes readyOpen the verification page →
Empty: Floor (person 1)
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, Road, Second number, Floor, Property type (Open / Building / Open + Building), House type (Niwasi Sadanika / Shop / Gala …), Floor (person 1)
✓ EzDocs checked every box against the document’s own words 8d ago — all agree.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
SKM_226i26100711470.pdf
the address
{'PIN': '440034', 'AREA': 'OPPOSITE PURUSHOTTAM THOTE COLLAGE, NARSALA', 'FLAT': 'PLOT NO.50', 'ROAD': 'INDRA NAGAR, NEW NARSALA ROAD', 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'LASHMI NIVAS, VISHWAJIT SOCIETY', 'DISTRICT': 'NAGPUR', 'POST_OFFICE': NONE, 'VILLAGE_CITY': 'NAGPUR'}
{'PIN': '440034', 'AREA': 'OPPOSITE PURUSHOTTAM THOTE COLLAGE, NARSALA', 'FLAT': 'PLOT NO.50', 'ROAD': 'INDRA NAGAR, NEW NARSALA ROAD', 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'LASHMI NIVAS, VISHWAJIT SOCIETY', 'DISTRICT': 'NAGPUR', 'POST_OFFICE': NONE, 'VILLAGE_CITY': 'NAGPUR'}
THE CHALLAN, as it will be typed · the unit's word put back as the paper prints it
Flat/Survey Number
C5-856 8TH FLOOR BROOKSIDE KHASRA NO 79 38 P H NO 40/A
C5-856 8TH FLOOR BROOKSIDE KHASRA NO 79 38 P H NO 40/A
Locality/Road
NEW NARSALA ROAD MOUJE WELA HARISHCHANDRA AND KHARSOLI TAL NAGPUR RURAL
NEW NARSALA ROAD MOUJE WELA HARISHCHANDRA AND KHARSOLI TAL NAGPUR RURAL
Area/City
NAGPUR
check or correct a box, the papers beside it →NAGPUR
Every paper prints the same words as the main paper.
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 |
|---|---|---|---|
| mortgagor | ROSHAN DINKAR JUMDE | AITPJ4296Q | …0258 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| acknowledgement | bharati.bhope@phfl.com | 8d ago |
What EzDocs read from each document — check anything marked in red
Payment screenshot IMG-20261006-WA0057.jpg needs your check
utr
885015533351
885015533351
date
2026-10-06
2026-10-06
time
15:39
15:39
amount
30960
30960
payee upi
******4356-2@okbizaxis
******4356-2@okbizaxis
payee name
THINKBIGZ INITIATIVE P...
THINKBIGZ INITIATIVE P...
raw reading (for Abhijit)
{'utr': '885015533351', 'date': '2026-10-06', 'time': '15:39', 'amount': 30960, 'method': None, 'payee_upi': '******4356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE P...', 'payer_name': None, 'debit_notification_text': None}Selfie / photo Photo Mr. Jumde.jpg needs your check
kind
live_selfie
live_selfie
legible
True
True
confidence
1
1
face visible
True
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 1, 'face_visible': True, 'quality_issue': None}Sale deed REgd AGreement to sell Roshan Jumde(2).pdf needs your check
grn
MH010462271202627E
MH010462271202627E
pin
440027
440027
total
279300.0
279300.0
article
Registration Fee
Registration Fee
defaced
False
False
district
NAGPUR
NAGPUR
area city
NAGPUR
NAGPUR
payer name
ROSHAN DINKAR JUMDE
ROSHAN DINKAR JUMDE
sro office
NGP7_JT NAGPUR NO 7 SUB REGISTRAR
NGP7_JT NAGPUR NO 7 SUB REGISTRAR
paying bank
IDBI BANK
IDBI BANK
scheme rows
{'amount': 249300.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 30000.0, 'head_code': '0330063301', 'description': 'Registration Fee'}
{'amount': 249300.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 30000.0, 'head_code': '0330063301', 'description': 'Registration Fee'}
payment date
19/09/2026-13:35:59
19/09/2026-13:35:59
inner challan
True
True
road locality
MOUZA KHARSOLI
MOUZA KHARSOLI
header doc number
7-17789-2026
7-17789-2026
second party name
LOK& INFRA PRIVATE LIMITED-
LOK& INFRA PRIVATE LIMITED-
raw reading (for Abhijit)
{'grn': 'MH010462271202627E', 'pin': '440027', 'total': 279300.0, 'article': 'Registration Fee', 'defaced': False, 'bank_cin': None, 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': None, 'flat_block': None, 'payer_name': 'ROSHAN DINKAR JUMDE', 'sro_office': 'NGP7_JT NAGPUR NO 7 SUB REGISTRAR', 'paying_bank': 'IDBI BANK', 'remarks_raw': None, 'scheme_rows': [{'amount': 249300.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 30000.0, 'head_code': '0330063301', 'description': 'Registration Fee'}], 'payer_mobile': None, 'payment_date': '19/09/2026-13:35:59', 'inner_challan': True, 'road_locality': 'MOUZA KHARSOLI', 'second_party_pan': None, 'header_doc_number': '7-17789-2026', 'second_party_name': 'LOK& INFRA PRIVATE LIMITED-', 'consideration_amount': None}Sanction letter SKM_226i26100711470.pdf needs your check
lan
HOU/NAG/0726/5158738
HOU/NAG/0726/5158738
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'ROSHAN DINKAR JUMDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHRUTI ROSHAN JUMDE', 'role': 'co_applicant', 'label': 'Applicant'}
{'name': 'ROSHAN DINKAR JUMDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHRUTI ROSHAN JUMDE', 'role': 'co_applicant', 'label': 'Applicant'}
confidence
1
1
rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -4.95% = 8.20% per annum as on the date of execution of the loan agreement
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -4.95% = 8.20% per annum as on the date of execution of the loan agreement
handwritten
{'says': 'FORTY Seven LAKH FIFTEEN THOUSAND ESAMT HUMONED Seventy UNH', 'where': 'page 5, loan amount', 'touches': 'amount', 'printed_was': '47,15870'}, {'says': 'JOSHAN DINKAR JUMDE', 'where': 'page 5, borrower name', '
{'says': 'FORTY Seven LAKH FIFTEEN THOUSAND ESAMT HUMONED Seventy UNH', 'where': 'page 5, loan amount', 'touches': 'amount', 'printed_was': '47,15870'}, {'says': 'JOSHAN DINKAR JUMDE', 'where': 'page 5, borrower name', '
loan amount
4491305
4491305
rate spread
-4.95
-4.95
final amount
4715870
4715870
interest rate
8.2
8.2
sanction date
21-Jul-2026
21-Jul-2026
letter version
9
9
reference rate
13.15
13.15
applicant email
jumde.roshan@gmail.com
jumde.roshan@gmail.com
applicant names
ROSHAN DINKAR JUMDE, SHRUTI ROSHAN JUMDE
ROSHAN DINKAR JUMDE, SHRUTI ROSHAN JUMDE
printed altered
True
True
applicant mobile
8055253773
8055253773
balance transfer
False
False
property address
pin: 441304; state: MAHARASHTRA; taluka: Nagpur (Rural); Flat no: C5-856; district: Nagpur; Address: Unit Plot no C5-856, Block Plots, Project BROOKSIDE, Kh. No. 79 of Mouza - Wela Harishchandra and, Kh. No. 88 of M
pin: 441304; state: MAHARASHTRA; taluka: Nagpur (Rural); Flat no: C5-856; district: Nagpur; Address: Unit Plot no C5-856, Block Plots, Project BROOKSIDE, Kh. No. 79 of Mouza - Wela Harishchandra and, Kh. No. 88 of M
insurance premium
224565
224565
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
4715870
4715870
security address verbatim
Unit Plot no C5-856, Block Plots, Project BROOKSIDE, Kh. No. 79 of Mouza - Wela Harishchandra and, Kh. No. 88 of Mouza - Kharsoli, Nagpur Gramin,, Nagpur at Kharasoli, Nagpur (Rural), Nagpur, 441304, Nagpur, Nagpur, MAHA
Unit Plot no C5-856, Block Plots, Project BROOKSIDE, Kh. No. 79 of Mouza - Wela Harishchandra and, Kh. No. 88 of Mouza - Kharsoli, Nagpur Gramin,, Nagpur at Kharasoli, Nagpur (Rural), Nagpur, 441304, Nagpur, Nagpur, MAHA
applicant address verbatim
PLOT NO 50, VISHWAJIT SOCIETY, INDRA NAGAR NEW NARSALA ROAD, OPP PURUSHOTTAM THOTE COLLAGE, Narsala NAgpur, Nagpur, MAHARASHTRA, 440034, India
PLOT NO 50, VISHWAJIT SOCIETY, INDRA NAGAR NEW NARSALA ROAD, OPP PURUSHOTTAM THOTE COLLAGE, Narsala NAgpur, Nagpur, MAHARASHTRA, 440034, India
raw reading (for Abhijit)
{'lan': 'HOU/NAG/0726/5158738', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'ROSHAN DINKAR JUMDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SHRUTI ROSHAN JUMDE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -4.95% = 8.20% per annum as on the date of execution of the loan agreement', 'handwritten': [{'says': 'FORTY Seven LAKH FIFTEEN THOUSAND ESAMT HUMONED Seventy UNH', 'where': 'page 5, loan amount', 'touches': 'amount', 'printed_was': '47,15870'}, {'says': 'JOSHAN DINKAR JUMDE', 'where': 'page 5, borrower name', 'touches': 'name', 'printed_was': None}, {'says': 'Joshan DENKAR. JOMBE', 'where': 'page 5, borrower name', 'touches': 'name', 'printed_was': None}, {'says': '07-10-26', 'where': 'page 5, date', 'touches': 'date', 'printed_was': None}, {'says': '21-JUL-26', 'where': 'page 5, date', 'touches': 'date', 'printed_was': None}, {'says': '07-10-26', 'where': 'page 5, date', 'touches': 'date', 'printed_was': None}, {'says': 'NAUPUL', 'where': 'page 5, branch office', 'touches': 'other', 'printed_was': None}, {'says': 'JUZUT', 'where': 'page 5, name', 'touches': 'name', 'printed_was': None}, {'says': 'Sandip Pia', 'where': 'page 5, name', 'touches': 'name', 'printed_was': None}, {'says': 'NIISHMA', 'where': 'page 5, name', 'touches': 'name', 'printed_was': None}, {'says': 'FOSHAN DINKAR JUMDE', 'where': 'page 6, mortgagor name', 'touches': 'name', 'printed_was': None}, {'says': 'P.NO-50-15SHWAJIT SOCIENT. MARSALIA.', 'where': 'page 6, mortgagor address', 'touches': 'other', 'printed_was': None}, {'says': 'fOSHIAN.D-JUMDE', 'where': 'page 6, borrower name', 'touches': 'name', 'printed_was': None}, {'says': 'O-50--15SHOLADET S00561 OKARSALASanction letter SKM_226i26100711470.pdf needs your check
dob
1988-04-07
1988-04-07
pan
AITPJ4296Q
AITPJ4296Q
name
ROSHAN DINKAR JUMDE
ROSHAN DINKAR JUMDE
legible
True
True
father name
DINKAR ABAJI JUMDE
DINKAR ABAJI JUMDE
raw reading (for Abhijit)
{'dob': '1988-04-07', 'pan': 'AITPJ4296Q', 'name': 'ROSHAN DINKAR JUMDE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DINKAR ABAJI JUMDE', 'aadhaar_last4': None, 'quality_issue': None}Sanction letter SKM_226i26100711470.pdf needs your check
dob
1988-04-07
1988-04-07
name
Roshan Dinkar Jumde
Roshan Dinkar Jumde
mobile
8055253773
8055253773
address
pin: 440034; area: Opposite purushottam thote collage, Narsala; flat: Plot No.50; road: Indra Nagar, New Narsala road; state: Maharashtra; building: Lashmi Nivas, Vishwajit society; district: Nagpur; Village: Nagpur
pin: 440034; area: Opposite purushottam thote collage, Narsala; flat: Plot No.50; road: Indra Nagar, New Narsala road; state: Maharashtra; building: Lashmi Nivas, Vishwajit society; district: Nagpur; Village: Nagpur
legible
True
True
aadhaar last4
0258
0258
raw reading (for Abhijit)
{'dob': '1988-04-07', 'pan': None, 'name': 'Roshan Dinkar Jumde', 'mobile': '8055253773', 'address': {'pin': '440034', 'area': 'Opposite purushottam thote collage, Narsala', 'flat': 'Plot No.50', 'road': 'Indra Nagar, New Narsala road', 'floor': None, 'state': 'Maharashtra', 'building': 'Lashmi Nivas, Vishwajit society', 'district': 'Nagpur', 'post_office': None, 'village_city': 'Nagpur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '0258', 'quality_issue': None}Sanction letter SKM_226i26100711470.pdf needs your check
amount words
INR 47,15870/- (Rupees FORTY Seven LAKH FIFTEEN THOUSAND ESAMT HUMONED Serent UNH Only)
INR 47,15870/- (Rupees FORTY Seven LAKH FIFTEEN THOUSAND ESAMT HUMONED Serent UNH Only)
secured amount
4715870.0
4715870.0
raw reading (for Abhijit)
{'amount_words': 'INR 47,15870/- (Rupees FORTY Seven LAKH FIFTEEN THOUSAND ESAMT HUMONED Serent UNH Only)', 'secured_amount': 4715870.0}Paid challan (GRAS) ROSHAN DINKAR JUMDE EchallanMH011535470202627E.pdf needs your check
grn
MH011535470202627E
MH011535470202627E
pin
441304
441304
total
29160.0
29160.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100700469
03006172026100700469
district
NAGPUR
NAGPUR
area city
NAGPUR
NAGPUR
payer pan
AITXXXXXXQ
AITXXXXXXQ
flat block
PLOT NO C5-856 PROJECT BROOKSIDE
PLOT NO C5-856 PROJECT BROOKSIDE
payer name
ROSHAN DINKAR JUMDE
ROSHAN DINKAR JUMDE
sro office
NGP7_JT NAGPUR NO 7 SUB REGISTRAR
NGP7_JT NAGPUR NO 7 SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA-4715870
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA-4715870
scheme rows
{'amount': 14160.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 14160.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX3773
XXXXXX3773
payment date
07/10/2026-13:22:58
07/10/2026-13:22:58
road locality
MOUZA KHARASOLI NAGPUR RURAL
MOUZA KHARASOLI NAGPUR RURAL
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
4715870
4715870
raw reading (for Abhijit)
{'grn': 'MH011535470202627E', 'pin': '441304', 'total': 29160.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100700469', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'AITXXXXXXQ', 'flat_block': 'PLOT NO C5-856 PROJECT BROOKSIDE', 'payer_name': 'ROSHAN DINKAR JUMDE', 'sro_office': 'NGP7_JT NAGPUR NO 7 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA-4715870', 'scheme_rows': [{'amount': 14160.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3773', 'payment_date': '07/10/2026-13:22:58', 'road_locality': 'MOUZA KHARASOLI NAGPUR RURAL', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '4715870'}Technical record (for Abhijit — safe to ignore)
| 3h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 07 Oct, 13:14 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack']} |
| 8d ago | EzDocs | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed AIxxxxxxXQ — no paper on the |
| 8d ago | EzDocs | title_doc_on_case_filing_open | {'was': 'VENDOR', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'REgd AGreement to sell Roshan Jumde(2).pdf', 'kind': 'index2'} |
| 8d ago | EzDocs | challan_found_on_case | {'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'ROSHAN DINKAR JUMDE EchallanMH011535470202627E.pdf', 'kind': |
| 8d 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': 'ROSHAN DINKAR JUMDE |
| 8d ago | EzDocs | sro_office_learned | {'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'NGP7_JT NAGPUR NO 7 SUB REGISTRAR', 'district': 'NAGPUR'} |
| 8d ago | EzDocs | challan_verified_against_case | {'grn': 'MH011535470202627E', 'file': 'ROSHAN DINKAR JUMDE EchallanMH011535470202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 8d ago | EzDocs | challan_extracted | {'grn': 'MH011535470202627E', 'file': 'ROSHAN DINKAR JUMDE EchallanMH011535470202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 29160.0} |
| 8d ago | EzDocs | lesson456 | {'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '452824', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the |
| 8d ago | SANDEEP | copilot_edit | {'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours': |
| 8d ago | copilot | copilot_check_ok | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 15, 'differs': []} |
| 8d ago | EzDocs | form_checked489 | {'ok': True, 'page': 'challan', 'paid': True, 'boxes': 15, 'issues': 0, 'case_no': 'NOI-2026-03236'} |
| 8d ago | EzDocs | reader_verdict | {'fp': 'eb97da8d5d1324e2', 'asked': True, 'missed': [], 'answers': [{'id': 0, 'why': "The challan box contains words like '8TH FLOOR' and 'HOUSE NO' which may not be printed on the paper's address line, and without the |
| 8d ago | the co-pilot | reading_boxes_not_the_papers_words | {'why': ': the reading decides — its boxes stand; the words the main paper does not print are said beside the box', 'file': 'SKM_226i26100711470.pdf', 'paper': 'the sanction letter', 'not_on_paper': ['KHASRA'], 'read |
| 8d ago | the co-pilot | challan_numbers_from_reading | {'why': "the property row keeps two numbers; the challan's box must carry every number the paper prints or the office reads another property", 'file': 'SKM_226i26100711470.pdf', 'from': 'the sanction letter', 'added': [' |
| 8d ago | the co-pilot | challan_boxes_not_the_papers_words | {'why': "check — the boxes carry words the main paper does not print (8TH, KHASRA, HOUSE, 38, P, H, 40, NEW) — read box 1 once against the paper's own words"} |
| 8d ago | EzDocs | quoted_history_checked | {} |
| 8d 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': ['road', 'landmar |
| 8d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'the challan needs the locality, the city and the PIN', 'docs': ['REgd AGreement to sell Roshan Jumde(2).pdf', 'SKM_226i26100711470.pdf'], 'after': {'challan_boxes': {'box1': 'C5-856 8TH FLOOR BROOK |
| 8d ago | EzDocs | challan_boxes_composed | {'fp': '7de64ddb4f82af3d', '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': 'C5-856 8TH FLOOR BROOKSIDE KHASR |
| 8d 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': 16, 'trigger': 'after the Index II takeover'} |
| 8d 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': 'REgd AGreement to sell Roshan Jumde(2).pdf', 'changed': {'Floor': {'was |
| 8d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 8d 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': 'REgd AGreement to sell Roshan Jumde(2).pdf', 'doc_id': '93c81843-715c-49a9-94dd-e |
| 8d ago | EzDocs | reader_home_address | {'fp': '6249fa9836d14513', 'from': 'the sanction letter (SKM_226i26100711470.pdf)', 'home': {'pin': '440034', 'area': 'INDRA NAGAR, OPP PURUSHOTTAM THOTE COLLAGE', 'flat': 'PLOT NO 50', 'road': 'NEW NARSALA ROAD', 'state |
| 8d ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-07T07:10:52', 'why': 'reading', 'open': 1, 'mails': [{'at': '2026-10-07 07:10', 'id': '1a11532416aa67f9', 'from': 'branch', 'gist': 'The branch asks for the challan and NOI, and states that a Re |
| 8d ago | EzDocs | case_read | {'how': 'uri', 'tag': '2802ef001ab9556f', 'docs': ['REgd AGreement to sell Roshan Jumde(2).pdf', 'SKM_226i26100711470.pdf'], 'loan': {'amount': 4715870, 'made_of': [{'what': 'sanctioned loan amount', 'paper': 'the sancti |
| 8d ago | EzDocs | trail_read | {'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents'], 'mails': 1, 'summary': 'The branch |
| 8d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'new mail', 'docs': ['REgd AGreement to sell Roshan Jumde(2).pdf', 'SKM_226i26100711470.pdf'], 'notes': None, 'filled': {'property.Floor': {'src': 'worked out', 'conf': 0.8, 'page': None, 'value': ' |
| 8d ago | EzDocs | challan_boxes_by_rules | {'fp': '6a93c1f7c83e549a', 'why': 'EzDocs wrote more than the boxes hold, twice (box 3 had 67 characters (it holds 50))', 'anew': 'first'} |
Case diary the case’s history — what happened, newest day first
Papers
All 5 in hand
Nothing more to ask the branch for
Money
₹30,960 received — verified
Seen in the account (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
Today · 15 Oct1 thing
An old draft withdrew itself — its asks were already answered
7 Oct29 things — 5 documents received · 3 letters written · 3 money steps · 18 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
Received: Challan
ROSHAN DINKAR JUMDE EchallanMH011535470202627E.pdf
SANDEEP pressed Proceed on the challan — what was changed is kept
EzDocs took 42 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
The challan's address boxes were written from the papers
EzDocs read the whole file
EzDocs read the whole trail as one conversation — where the case stands is on the page
The loan amount was worked out from the papers
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
Everything for the challan is in — queued
Papers and money are in — the challan is next.
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-03236
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
The payment proof already on the case was applied
The loan amount was worked out from the papers
Property address read from the sanction letter
A challan on the case could not be placed — whose it is must be read by a person; it does not count until then
Received: Sale deed
REgd AGreement to sell Roshan Jumde(2).pdf
Selfie checked — a live one
A real selfie — usable for the e-filing.
Payment proof arrived before the case was quoted — held
Received: Sanction letter
SKM_226i26100711470.pdf
Received: Selfie
Photo Mr. Jumde.jpg
Received: Payment screenshot
IMG-20261006-WA0057.jpg
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
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