Cases / NOI-2026-02957

Savita Dattatray Ghuge

LAN HOU/JLG/0726/5153319 Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs2 still to come

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

✓Selfie / photoopen

✓PAN cardopen

✓Payment screenshot — money verifiedopen

✓Sanction letteropen

✓Paid challan (GRAS)open

✓Aadhaar card — inside Savita KYC.pdfopen

Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.

Index II copy / Title document — for the e-filing visit later

All files (6)A label is wrong? Fix it under All documents.

For you to check

Bank left a fee row blank — see Facts.

MoneyAll of it is in

₹10,110.82CASE MARK

The whole amount reached our account. Nothing is pending on this case.

₹10,080 receivedthe receipt's amount and minute agree

Stamp duty 0.3%3,110

Registration fee 0.5%5,180

Government handling320

Our service fee1,500.82

Total we ask for10,110.82

the branch’s receipt claims ₹10,080 005433878245

paid 30 Sep 11:34:11 · verified 30 Sep 14:28:17 · 2 h 54 min later

How we know

Our own bank told us — 30 Sep 11:34

₹10,080 · UTR 005433878245 · from JD-HDFCBN-S

“Successful! You have received Rs. 10080.00 via HDFC Bank SmartHub Vyapar from APEKSHA RA. RRN-005433878245, Check: https://1.hdfc.bank.in/HDFCBK/s/K5MkJ37l”

Matched by: the screenshot's amount AND its minute agree with this credit

Paid the bank's own ₹10,080. ₹30.82 under our ask = our margin. Accepted as full.

By law ₹10,100. We ask ₹10,110 (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.

Bank's table ₹10,080 — accept as full (₹30.82 = our margin).

BANK LEFT A FEE ROW BLANK

Bank table ₹10,080. Case needs ₹10,110. SHORT by ₹30. Do NOT accept ₹10,080 — ask the branch for ₹10,110.

why?

The branch's filing fee row says Rs.0 against Rs.5,175 due. A fee row this size is a typing slip, not a fee. Ask the branch to reissue its working; collect Rs.10,100.

the branch's own words

The branch's mail said: filing fee (0.50%): bank says Rs.0, computed Rs.5,175 (difference Rs.-5,174)

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 1 h 20 minour time · 30 Sep 15:45

Index II —not yet

the NOI team 15 d 3 htotal 15 d 3 h so far

Now with the NOI team — e-filing on IGR

since 30 Sep 15:45 — 15 d 2 h of working time

Day by day — every step and who held it

30 Sep 14:24Your branch's mail

30 Sep 14:24Payment landedat once

30 Sep 14:27Fee quoted+2 min · the NOI team

30 Sep 14:27Papers readat once

30 Sep 14:27Property readat once

30 Sep 14:28Payment verified+1 min · the NOI team

30 Sep 14:28Ready for the challanat once

30 Sep 15:45Challan made+1 h 17 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹10,35,000

Loan account no.

HOU/JLG/0726/5153319

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

Area is empty — the portal will not take a blank.

✗ EzDocs found boxes that do NOT agree with the document (15d ago) — open the verification page; they are marked in red.

Fill it on the verification page first →

See the boxes — read from the sanction letter

District

Jalgaon

Taluka

Amalner

Village

Jalgaon

Number type

SURVEY

Number

1327/1/A

Building

Project SHREE NT MUNDADA CITY

Floor

Ground Floor

Flat / shop no

Unit Row House No 155

Area

(empty)

Hadd

Mundada Nagar

Read from the sanction letter, not the Index II. Savita sanc letter .pdf open it · If an Index II is on file, read the property from it.

To look first, or to fix a box, open the verification page — the document beside every box.

Next step

Wait for the branch's Index II, then file the NOI

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.

The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. EzDocs asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.

Before opening the portal, EzDocs sees:

• Mortgagor pages: RAVINDRA BAPURAV KARAD is named on the sanction letter (Savita sanc letter.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

• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save

• 17 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: district, taluka, village, Hadd type, Hadd name, road

• Build Up Area not on file — read it off the Index II / sale deed

• check — property numbers: the sanction letter prints more kinds of number than the portal's two boxes take; SURVEY NO 1327/1/A ride in the second box with their own words so the notice carries them — read the box once

• changed — village: the case held JALGAON; filled AMALNER — EzDocs (reading the whole file), from the sanction letter, 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 bank has sent the loan documents and paid the fee. The team has created and shared the challan, and is now waiting for the bank to send the Index II copy.

the history says the next move is with the branch — the Index II

✓ loan papers sent — done, mail 1 (2026-09-30) “Requesting for NOI 0.30% and 0.50% Challan caption case Customer Name - SAVITA DATTATRAY GHUGE Application No. HOU/JLG/0726/5153319.”

✓ fee paid — the branch's words — done, mail 2 (2026-09-30) “We acknowledge the receipt of your mail documents and payment.”

✓ challan made — done, mail 3 (2026-09-30) “PFA challan for your reference.”

✓ challan shared — done, mail 3 (2026-09-30) “PFA challan for your reference.”

? Index II asked for — asked, mail 2 (2026-09-30) “For NOI filing, We need an index 2 copy.”

read over 3 mail(s), last mail 2026-09-30 · read 15d 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 found boxes that do NOT agree with the document (15d 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	MH011160436202627E	—	pending

Open filing pack →

Fix something every change is recorded with your name

Where did you see the money? One tap is the same record, in your name:

Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.

Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once

Advanced — move the case by hand (ask Abhijit first)

Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.

The reply EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by EzDocs, not sent

Index II pending — NOI NOI-2026-02957 | HOU/JLG/0726/5153319

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/JLG/0726/5153319) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:

Index II copy / title document (Sale Deed or Index II)

It has been 12 days since the challan. The NOI must be filed within 30 days of the mortgage, and the challan's validity window is one month — sending the Index II now keeps both safe.

If the Index II is not yet available with you, a scanned copy of the registered Sale Deed serves the same purpose.

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

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

FS falguni.shirsath@phfl.com phfl.com
30 Sep, 14:24 · 15d ago THE FIRST MAIL — how this case began

Requesting for NOI 0.30% and 0.50% Challan caption case Customer Name - SAVITA DATTATRAY GHUGE Application No. HOU/JLG/0

📎 20260930_112603.jpg ↗📎 20260930_112552.jpg ↗📎 Savita KYC.pdf ↗📎 IMG-20260930-WA0005.jpg ↗📎 Savita sanc letter .pdf ↗

Dear Team,

Requesting for NOI 0.30% and 0.50% Chal case Customer Name - SAVITA DATTATRAY GHUGE Application No. HOU/JLG/0726/5153319.

NOI Charges & Service Fees Calculator - Nestly.in

Loan account (LAN)caption

Loan amount₹10,35,000

Stamp duty 0.30%₹3,105

Registration fee 0.50%₹5,175

DHC₹300

NOI Govt Fees300

Nestly.inService Fees for NOI Filling 1500 1500.00

Total Amount to be Paid to Nestly.in for NOI 10080.00

Thanks & Regards,

Falguni Shirsath

9552046857
Branch Operations Executive

Office No,5,6,7& 8, 3rd Floor,

East Part, CTS No.2672/1, P.No.22

Pratap Nagar Jalgaon

🤖 read: asks for the challan; documents attached — “Requesting for NOI 0.30% and 0.50% Challan caption case Customer Name - SAVITA DATTATRAY GHUGE Application No. HOU/JLG/0726/5153319.”

OL The NOI teamTYPED IN GMAIL
30 Sep, 15:19 · 15d ago

Team,

We acknowledge the receipt of your mail documents and payment. We will

initiate the challan for the same. For NOI filing, We need an index 2 copy.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Wed, 30 Sept 2026 at 14:27, Falguni Suresh Shirsath <
falguni.shirsath@phfl.com> wrote:

Dear Team,

Requesting for NOI 0.30% and 0.50% Challan caption case Customer Name - SAVITA
DATTATRAY GHUGE Application No. HOU/JLG/0726/5153319.

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance 1035000

NOI Govt Fees Stamp Duty 0.30% 3105.00

Registration Fees 0.50% 5175.00

Document Handling Charges 300 300

Nestly.in Service Fees for NOI Filling 1500 1500.00

Total Amount to be Paid to Nestly.in for NOI 10080.00

Thanks & Regards,

Falguni Shirsath
9552046857

Branch Operations Executive

Office No,5,6,7& 8, 3rd Floor,

East Part, CTS No.2672/1, P.No.22

Pratap Nagar Jalgaon

🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”

OL The NOI teamTYPED IN GMAIL
30 Sep, 15:46 · 15d ago

📎 SAVITA DATTATRAY GHUGE EchallanMH011160436 ↗

Team,

PFA challan for your reference.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 30 Sept 2026 at 15:19, 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 an index 2
copy.

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 30 Sept 2026 at 14:27, Falguni Suresh Shirsath < falguni.shirsath@phfl.com > wrote:

Dear Team,
Requesting for NOI 0.30% and 0.50% Challan caption case Customer Name - SAVITA DATTATRAY GHUGE Application No. HOU/JLG/0726/5153319.

NOI Charges & Service Fees Calculator - Nestly.in

Loan Amount Including Insurance 1035000

NOI Govt Fees Stamp Duty 0.30% 3105.00

Registration Fees 0.50% 5175.00

Document Handling Charges 300 300

Nestly.in Service Fees for NOI Filling 1500 1500.00

Total Amount to be Paid to Nestly.in for NOI 10080.00

Thanks & Regards,
Falguni Shirsath
9552046857
Branch Operations Executive
Office No,5,6,7& 8, 3 rd Floor,
East Part, CTS No.2672/1, P.No.22
Pratap Nagar Jalgaon

🤖 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
Selfie / photo	20260930_112603.jpg	filed	15d ago
Selfie / photo+ Other inside	20260930_112552.jpg	filed	15d ago
PAN card+ Aadhaar card inside	Savita KYC.pdf	filed	15d ago
Payment screenshot	IMG-20260930-WA0005.jpg	filed	15d ago
Sanction letter	Savita sanc letter .pdf	filed	15d ago
Paid challan (GRAS)	SAVITA DATTATRAY GHUGE EchallanMH011160436202627E.pdf	filed	15d 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
₹10,110.82

Where it stands
VERIFIED — money received

Screenshot claims
₹10,080 005433878245

Paid at
30 Sep 11:34:11

Verified on
30 Sep 14:28:17

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹3,110	₹5,180	₹320	₹1,500	₹10,110

By law ₹10,100. We ask ₹10,110 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

30 of 34 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Area, Title deed no / year / SRO, Floor (person 1)

20 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, worked out, or EzDocs was not sure: District, Taluka, Village, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …

✗ EzDocs found boxes that do NOT agree with the document (15d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (Savita sanc letter.pdf) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

✓ in the document

Flat / shop no

✓ in the document

Floor

✓ in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

⚠ not in the document

Number

✓ in the document

Area (sq.mt, carpet)

empty

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

Unit Row House No 155, Ground Floor, Block Row Houses, Project SHREE NT MUNDADA CITY, Plot No. 03, Final Plot No. 03, S.NO. 1327/1/A, Ahead of Swami Samarth Kendra, Mundada Nagar, Near Shirud Naka Road, Amalner, Jalgaon, Jalgaon, Jalgaon, MAHARASHTRA, India, 425401

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

Savita sanc letter .pdf

as printed
UNIT ROW HOUSE NO 155, FLOOR GROUND FLOOR, BLOCK ROW HOUSES, PROJECT SHREE NT MUNDADA CITY, PLOT NO. 03, FINAL PLOT NO. 03, S.NO. 1327/1/A, AHEAD OF SWAMI SAMARTH KENDRA, MUNDADA NAGAR, NEAR SHIRUD NAKA ROAD, AMALNER, JALGAON, JALGAON, JALGAON, MAHARASHTRA, INDIA, 425401

PIN
425401

THE CHALLAN, as it will be typed

Flat/Survey Number
UNIT ROW HOUSE NO 155 FLOOR GROUND FLOOR BLOCK ROW HOUSES PROJECT SHREE NT MUNDADA CITY PLOT NO 03

Locality/Road
FINAL PLOT NO 03 S NO 1327/1/A AHEAD OF SWAMI SAMARTH KENDRA MUNDADA NAGAR NEAR SHIRUD NAKA ROAD

Area/City
JALGAON

check or correct a box, the papers beside it →

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	SAVITA DATTATRAY GHUGE	BECPG9705H

All mail records (for Abhijit — safe to ignore)

1 mail(s) written and held — read and send them on Draft mails.

Template	To	When
documents acknowledged	falguni.shirsath@phfl.com	15d ago
fee quote	falguni.shirsath@phfl.com	15d ago
acknowledgement	falguni.shirsath@phfl.com	15d ago
Index II chase	falguni.shirsath@phfl.com	8d ago
Index II chase	falguni.shirsath@phfl.com	5d ago
Index II chase	falguni.shirsath@phfl.com	2d ago

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

Selfie / photo 20260930_112603.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

Selfie / photo 20260930_112552.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

PAN card Savita KYC.pdf needs your check

dob
1987-06-01

pan
BECPG9705H

name
SAVITA DATTATRAY GHUGE

legible
True

father name
DATTATRAY RAMCHANDRA GHUGE

raw reading (for Abhijit)

{'dob': '1987-06-01', 'pan': 'BECPG9705H', 'name': 'SAVITA DATTATRAY GHUGE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DATTATRAY RAMCHANDRA GHUGE', 'aadhaar_last4': None, 'quality_issue': None}

Payment screenshot IMG-20260930-WA0005.jpg needs your check

utr
005433878245

date
2026-09-30

time
11:34

amount
10080

method
Navi UPI

payee upi
Vyapar.169705262080@hdfcbank

payee name
THINK BIGZ INITIATIVE PVT LTD

payer name
APEKSHA RAVINDRA PATIL

raw reading (for Abhijit)

{'utr': '005433878245', 'date': '2026-09-30', 'time': '11:34', 'amount': 10080, 'method': 'Navi UPI', 'payee_upi': 'Vyapar.169705262080@hdfcbank', 'payer_upi': None, 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'APEKSHA RAVINDRA PATIL', 'debit_notification_text': None}

Sanction letter Savita sanc letter .pdf needs your check

lan
HOU/JLG/0726/5153319

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'SAVITA DATTATRAY GHUGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'RAVINDRA BAPURAV KARAD', 'role': 'applicant', 'label': 'Applicant'}

loan type
Housing Loan

confidence
1.0

loan amount
1000000

final amount
1035000

interest rate
8.5

sanction date
13-Jul-2026

letter version
4

applicant email
savitaghuge005@gmail.com

applicant names
SAVITA DATTATRAY GHUGE, RAVINDRA BAPURAV KARAD

printed altered
False

applicant mobile
8806526040

balance transfer
False

property address
pin: 425401; road: Near Shirud Naka Road; state: MAHARASHTRA; taluka: Amalner; Flat no: Unit Row House No 155; district: Jalgaon; Floor: Ground Floor; landmark: Ahead of Swami Samarth Kendra, Mundada Nagar; full_addre

insurance premium
35000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1035000

security address verbatim
Unit Row House No 155, Floor Ground Floor, Block Row Houses, Project SHREE NT MUNDADA CITY, Plot No. 03, Final Plot No. 03, S.NO. 1327/1/A, Ahead of Swami Samarth Kendra, Mundada Nagar, Near Shirud Naka Road, Amalner, Ja

applicant address verbatim
PRATHMIK AROGYA KENDRA QUARTER AT SHIRSALE TQ AMALNER DIST JALGAON, JALGAON, JALGAON, Amalner, MAHARASHTRA, 425401, Jalgaon, India

raw reading (for Abhijit)

{'lan': 'HOU/JLG/0726/5153319', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'SAVITA DATTATRAY GHUGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'RAVINDRA BAPURAV KARAD', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan', 'confidence': 1.0, 'handwritten': [], 'linked_refs': [], 'loan_amount': 1000000, 'final_amount': 1035000, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '13-Jul-2026', 'letter_version': '4', 'applicant_email': 'savitaghuge005@gmail.com', 'applicant_names': ['SAVITA DATTATRAY GHUGE', 'RAVINDRA BAPURAV KARAD'], 'printed_altered': False, 'applicant_mobile': '8806526040', 'balance_transfer': False, 'property_address': {'pin': '425401', 'road': 'Near Shirud Naka Road', 'state': 'MAHARASHTRA', 'taluka': 'Amalner', 'flat_no': 'Unit Row House No 155', 'district': 'Jalgaon', 'floor_no': 'Ground Floor', 'landmark': 'Ahead of Swami Samarth Kendra, Mundada Nagar', 'full_address': 'Unit Row House No 155, Ground Floor, Block Row Houses, Project SHREE NT MUNDADA CITY, Plot No. 03, Final Plot No. 03, S.NO. 1327/1/A, Ahead of Swami Samarth Kendra, Mundada Nagar, Near Shirud Naka Road, Amalner, Jalgaon, Jalgaon, Jalgaon, MAHARASHTRA, India, 425401', 'village_city': 'Jalgaon', 'building_name': 'Project SHREE NT MUNDADA CITY', 'survey_or_cts_no': 'S.NO. 1327/1/A, Plot No. 03, Final Plot No. 03'}, 'insurance_premium': 35000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1035000, 'security_address_verbatim': 'Unit Row House No 155, Floor Ground Floor, Block Row Houses, Project SHREE NT MUNDADA CITY, Plot No. 03, Final Plot No. 03, S.NO. 1327/1/A, Ahead of Swami Samarth Kendra, Mundada Nagar, Near Shirud Naka Road, Amalner, Jalgaon, Jalgaon, Jalgaon, MAHARASHTRA, India, 425401', 'applicant_address_verbatim': 'PRATHMIK AROGYA KENDRA QUARTER AT SHIRSALE TQ AMALNER DIST JALGAON, JALGAON, JALGAON, Amalner, MAHARASHTRA, 425401, Jalgaon, India'}

PAN card Savita KYC.pdf needs your check

dob
1987-06-01

pan
BECPG9705H

name
SAVITA DATTATRAY GHUGE

legible
True

father name
DATTATRAY RAMCHANDRA GHUGE

raw reading (for Abhijit)

{'dob': '1987-06-01', 'pan': 'BECPG9705H', 'name': 'SAVITA DATTATRAY GHUGE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'DATTATRAY RAMCHANDRA GHUGE', 'aadhaar_last4': None, 'quality_issue': None}

Paid challan (GRAS) SAVITA DATTATRAY GHUGE EchallanMH011160436202627E.pdf needs your check

grn
MH011160436202627E

pin
425401

total
8290.0

article
6(1)

defaced
False

bank cin
03006172026093001300

district
JALGAON

area city
AMALNER JALGAON

payer pan
BECXXXXXXH

flat block
ROW HOUSE NO 155 GROUND FLOOR PROJECT SHREE NT MUNDADA CITY PLOT NO 03 SURVEY NO 1327/1/A

payer name
SAVITA DATTATRAY GHUGE

sro office
AML AMALNER SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1035000

scheme rows
{'amount': 3110.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 5180.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX6040

payment date
30/09/2026-15:45:01

road locality
AHEAD OF SWAMI SAMARTH KENDRA MUNDADA NAGAR NEAR SHIRUD NAKA ROAD

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1035000

raw reading (for Abhijit)

{'grn': 'MH011160436202627E', 'pin': '425401', 'total': 8290.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026093001300', 'district': 'JALGAON', 'area_city': 'AMALNER JALGAON', 'payer_pan': 'BECXXXXXXH', 'flat_block': 'ROW HOUSE NO 155 GROUND FLOOR PROJECT SHREE NT MUNDADA CITY PLOT NO 03 SURVEY NO 1327/1/A', 'payer_name': 'SAVITA DATTATRAY GHUGE', 'sro_office': 'AML AMALNER SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1035000', 'scheme_rows': [{'amount': 3110.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 5180.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX6040', 'payment_date': '30/09/2026-15:45:01', 'road_locality': 'AHEAD OF SWAMI SAMARTH KENDRA MUNDADA NAGAR NEAR SHIRUD NAKA ROAD', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1035000'}

Technical record (for Abhijit — safe to ignore)

3h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 30 Sep, 15:19 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack']}
1d ago	EzDocs	reader_efiling_verdict	{'fp': '30ed5c41b4bffe55', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage, which is usually found on the Memorandum of Deposit of Title Deeds (MOTD).', 'box': 'Date of Mortgage', 'why': 'The
2d ago	EzDocs	email_shadowed:index2_chase	{'to': 'falguni.shirsath@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/JLG/0726/5153319) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n
2d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
5d ago	EzDocs	email_shadowed:index2_chase	{'to': 'falguni.shirsath@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/JLG/0726/5153319) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n
5d ago	EzDocs	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
8d ago	EzDocs	email_shadowed:index2_chase	{'to': 'falguni.shirsath@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/JLG/0726/5153319) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n
8d ago	EzDocs	draft_withdrawn	{'why': 'the index2 chase makes it pointless — it would ask for what the case already has', 'count': 2, 'kinds': ['ack_docs', 'fee_quote']}
15d ago	EzDocs	quoted_history_checked	{}
15d 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', 'fee_paid', 'challan', 'challan_sha
15d 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 BExxxxxxXH — no paper on the
15d ago	EzDocs	filing_waits_on_title_doc	{'was': 'VENDOR', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the
15d 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': 'SAVITA DATTATRAY GHUGE EchallanMH011160436202627E.pdf', 'kind
15d 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': 'SAVITA DATTATRAY GH
15d 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': 'AML AMALNER SUB REGISTRAR', 'district': 'JALGAON'}
15d ago	EzDocs	challan_verified_against_case	{'grn': 'MH011160436202627E', 'file': 'SAVITA DATTATRAY GHUGE EchallanMH011160436202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
15d ago	EzDocs	challan_extracted	{'grn': 'MH011160436202627E', 'file': 'SAVITA DATTATRAY GHUGE EchallanMH011160436202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 8290.0}
15d 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': '383890', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the
15d ago	SANDEEP	copilot_edit	{'n': 16, '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':
15d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': "The typed value omits 'UNI
15d ago	copilot	copilot_pick	{'why': "The source text explicitly mentions 'Amalner' as the location, and the only available option is 'AML_AMALNER SUB REGISTRAR'. The hint about 'JLG3_JALGAON 3 JOINT SUB REGISTRAR' is not relevant as the ", 'field':
15d 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': 'Savita sanc letter.pdf', 'paper': 'the sanction letter', 'not_on_paper': ['SURVEY'], 'read
15d 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': 'Savita sanc letter.pdf', 'from': 'the sanction letter', 'added': ['
15d ago	EzDocs	challan_boxes_by_rules	{'fp': '7cb932902ce2c3f6', 'why': "'PLOT NO' twice in box 1"}
15d ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': "The typed value omits 'UNI
15d ago	copilot	copilot_pick	{'why': "The source text explicitly mentions 'Amalner' as the location, and the only available option is 'AML_AMALNER SUB REGISTRAR'. The hint about 'JLG3_JALGAON 3 JOINT SUB REGISTRAR' is not relevant as the ", 'field':
15d ago	EzDocs	challan_boxes_by_rules	{'fp': '7cb932902ce2c3f6', 'why': "'PLOT NO' twice in box 1"}
15d 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': 'Savita sanc letter.pdf', 'paper': 'the sanction letter', 'not_on_paper': ['SURVEY'], 'read
15d 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': 'Savita sanc letter.pdf', 'from': 'the sanction letter', 'added': ['
15d ago	EzDocs	reader_mail_addition	{'fp': '5d80dcef721c6fc9', 'add': {}, 'why': 'The paper describes a property in Mundada Nagar, near Shirud Naka Road. The mail describes a branch office in Pratap Nagar, Jalgaon. These are two different places.', 'asked'

Case diary the case’s history — what happened, newest day first

Papers

Challan papers in; e-filing papers pending

For the visit later: Index II copy / Title document

Money

₹10,080 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

file on the IGR site

For you to check: Bank left a fee row blank — see Facts.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered

14:10

Yesterday · 14 Oct1 thing — 1 step

EzDocs checked the e-filing boxes against the papers

03:19

13 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02957 | HOU/JLG/0726/5153319

10:00

An old draft withdrew itself — its asks were already answered

10:00

10 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02957 | HOU/JLG/0726/5153319

10:00

An old draft withdrew itself — its asks were already answered

10:00

7 Oct2 things — 1 letter written · 1 step

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-02957 | HOU/JLG/0726/5153319