⚠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.
Sanket Bhimrao Kumbharkar
LAN HOU/PM/0626/5144179Loan ₹15,52,500NOIMails & papers 8 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
18 Sep, 13:36
Documents
Payment
Challan
done 18 Sep, 14:09 · GRAS ↗
Filing
took 17d 21h · IGR e-filing ↗
E-filing copy
done 6 Oct, 11:10
Index II
took 1d 3h
doneIndex II shared · the trail says: The branch has sent all required documents, including the Index 2, and the challan has been shared. The NOI team needs to proceed with filing the notice on the…whole case so far 25d 10h
Needs your eyes2
Selfie / photo: copy on file cannot be used. A usable one is being asked for.
1 difference(s) between the papers to look at once — none stops the challan. See them →
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
7 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
IndexII9990610260050.pdf
6 Oct29 things — 1 document received · 1 letter written · 27 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
eFilingDoc9990610260050.pdf
copilot check ok — by copilot
form checked489
pan card name set aside — by copilot
copilot edit — by copilot:ANJU
copilot check issues — by copilot
form checked489
copilot pick — by copilot
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
efiling token from portal — by copilot
pan card name set aside — by copilot
file note490
case read — by ezdocs:reader
case read started — by ezdocs:reader
5 Oct15 things — 2 documents received · 13 steps
The home address was read off the papers — by ezdocs:reader
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
address compared
challan boxes composed
documents read together
property self check
property from index2
index2 people checked
property english extracted
index2 people checked
index2 pan differs
Index II (title document) received from the branch
Received: Index II
sanket index 2.pdf
Received: other
image001.png
18 Sep55 things — 10 documents received · 3 letters written · 1 money step · 2 cautions · 39 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
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
SANKET BHIMRAO KUMBHARKAR EchallanMH010420387202627E.pdf
quoted history checked
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
boxes gathered
address compared
challan boxes composed
box disagreement
box disagreement
box disagreement
box disagreement
box disagreement
property self check
copilot check ok — by copilot
boxes gathered
address compared
challan boxes composed
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
NOI case NOI-2026-01956
No fee quote sent — the branch's own figures were right
A credit moved HERE — this case's screenshot names it; the other case had it on the amount alone
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The payment proof already on the case was applied
documents read together
applicant email captured
Property address read from the sanction letter
Payment proof arrived before the case was quoted — held
This payment is counted on another case too — a person must say whose it is
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Received: Payment screenshot
PHOTO-2026-09-18-13-18-44.jpg
EzDocs read the whole trail as one conversation — where the case stands is on the page
Co-applicant added
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
Received: Aadhaar
DocScanner 18 Sept 2026 1-23 pm.pdf
Received: PAN card
DocScanner 18 Sept 2026 1-33 pm.pdf
Received: PAN card
pdf&rendition=1.pdf
Received: Sanction letter
Sanction letter - 2026-09-18T133301.159.pdf
Document could not be read — a clear copy was asked for
this is not a live selfie (the applicant is not holding the phone)
Document could not be read — a clear copy was asked for
this is not a live selfie (someone else took the picture)
Received: Aadhaar
DocScanner 18 Sept 2026 1-29 pm.pdf
Received: Sale deed
agreement - kumbharkar.pdf
Received: Selfie — not usable
PHOTO-2026-09-18-13-27-48.jpg — this is not a live selfie (someone else took the picture)
Received: Selfie — not usable
PHOTO-2026-09-18-13-27-48.jpg — this is not a live selfie (the applicant is not holding the phone)
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 needs2 still to come
10 of 12 in hand · the challan is done — these are for the filing / KYC
Selfie / photo (CANNOT BE READ — clear copy asked — this is not a live selfie (someone else took the picture))open
✓Sale deedopen
✓Aadhaar cardopen
✓Sanction letteropen
✓PAN cardopen
✓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)
Applicant's Selfie / Photo — for the e-filing visit later
Mails & papers →every paper, beside its mail · 14 files
The file, as the engine remembers it4 open
This is a clean case. The borrower SANKET BHIMRAO KUMBHARKAR is buying Flat No. 201 on the 2nd Floor of Abhang Heights building in Dehu, Haveli Taluka, Pune, under a total loan of Rs. 15,52,500 (including Rs. 52,500 insurance) from PNB Housing Finance. The Index II of the purchase has been submitted
○the photo — the branch
✗the photo could not be read (PHOTO-2026-09-18-13-27-48.jpg) — the branch — this is not a live selfie (the applicant is not holding the phone)
✗the photo could not be read (PHOTO-2026-09-18-13-27-48.jpg) — the branch — this is not a live selfie (someone else took the picture)
○SANKET BHIMRAO KUMBHARKAR — home flat — the branch
?unsure of date_of_mortgage — The mortgage has not yet been executed or there is no Memorandum of Deposit of Title Deeds (MOTD) on the file.
the branch's last mail (2026-10-05): The branch has attached an Index 2 document.
read once, kept; every new mail and paper is read against this note · kept 2026-10-06T05:28 UTC
Moneyall of it is in
₹14,260.78
Reached our account 18 Sep 13:16:49.
How we know
Our own bank told us — 18 Sep 13:16
₹14,350 · UTR 727055562372 · from VA-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.14350.00 18-09-2026 13:16:49 by SANKET B thru UPI . Aval Bal Rs.312908.45 CR. (UPI Ref ID:727055562372) -PNB”
Matched by: by UTR — the bank's reference is the one on the screenshot · moved here from a case that had it on the amount alone — this case's screenshot names the very amount
The working
Stamp duty 0.3%4,670
Registration fee 0.5%7,770
Government handling320
Our service fee1,500
Total we ask for14,260.78
By law ₹14,240. We ask ₹14,260 (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
201, 2nd, Abhang Heights, SURVEY, 40, Dehugaon, 412114
read from the Index II · e-filing boxes 43 of 46 ready
Check the property →the boxes beside the paper
People
ARATI SANKET KUMBHARKAR · applicantRRXPK6423ESANKET BHIMRAO KUMBHARKAR · co-applicantHUCPK0033G
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