⚠The PNB mailbox has used 131% of what Google lets it send in 24 hours (656 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-03380

Swapnil Sunil Bhavsar

LAN HOU/NAG/0826/5205908 Challan paid · waiting on the branch Waiting for the Index II Send the draft 2 All documents Mails & papers 4

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needsall in

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

✓Aadhaar cardopen

✓Selfie / photoopen

✓Sanction letteropen

✓Payment screenshot — money verifiedopen

✓PAN cardopen

✓Paid challan (GRAS)open

✓LSR (search report) — inside SKM_226i26100921420.pdfopen

✓Property address — verified by the engine, from the legal report (correct below if anything is off)

All files (10)A label is wrong? Fix it under All documents.

Needs your eyes

GPay ₹15,248 announced at 16:31 has not settled into the PNB account (due 02:30). Paste PNB statement (SMS page) or Check Settlements in GPay Business.

MoneyAll of it is in

₹15,280.29CASE MARK

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

₹15,248 receivedthe receipt's amount and minute agree

Stamp duty 0.3%5,050

Registration fee 0.5%8,410

Government handling320

Our service fee1,500.29

Total we ask for15,280.29

the branch’s receipt claims ₹15,248 638707346919

paid 9 Oct 22:01:00 · verified 9 Oct 22:08:06 · 7 min 06 s later

How we know

Our own bank told us — 9 Oct 22:01

₹15,248 · from GPAY-BIZ

“₹15,248.00 received from SWAPNIL S B at 10:01 PM The amount will settle in your bank account via NEFT.”

Matched by: the screenshot's amount AND its minute agree with this credit · counted full inside our buffer

By law ₹15,268. We ask ₹15,280 (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 41 minour time (made after working hours) · 9 Oct 22:46

Index II —not yet

the NOI team 4 d 11 htotal 4 d 11 h so far

Now with the NOI team — e-filing on IGR

since 9 Oct 22:46 — 4 d 10 h of working time

Day by day — every step and who held it

9 Oct 22:06Your branch's mail

9 Oct 22:06Payment landedat once

9 Oct 22:07Papers read+1 min · the NOI team

9 Oct 22:07Property readat once

9 Oct 22:07Papers readat once

9 Oct 22:08Fee quoted+1 min · the NOI team

9 Oct 22:08Payment verifiedat once

9 Oct 22:08Ready for the challanat once

9 Oct 22:46Challan made+39 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹16,81,000

Loan account no.

HOU/NAG/0826/5205908

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

The engine read these from the legal report. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.

District

Nagpur

Taluka

Nagpur

Village

NARI

Number type

KHASRA

Number

136

Building

INDORA HOUSING ACCOMODATION SCHEME OF NIT

Floor

2nd

Flat / shop no

270

Area

27.00

Hadd

Nagpur Municipal Corporation

Read from the legal report, not the Index II. SKM_226i26100921420.pdf open it · If an Index II is on file, read the property from it.

✗ EzDocs found boxes that do NOT agree with the document (4d ago) — open the verification page; they are marked in red.

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. The engine 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, the engine sees:

• 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 / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road

• changed — block/sector: the case held DIVISION NORTH; filled WARD NO 57 — the whole-file reading, from the legal report, reads it so

• changed — floor no: the case held 2; filled G — the whole-file reading, from the legal report, reads it so

• changed — flat no: the case held 270; filled PLOT NO 270 — the whole-file reading, from the legal report, reads it so

• changed — property type: the case held Open + Building; filled OPEN — the whole-file reading, from the legal report, 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 trailEzDocs has not read this trail yet — the sweep reads every case whose mails grew, a few at a time

Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail

1Pay the challan on GRAS, then upload it hereDONE

Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). The engine reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.

✗ EzDocs found boxes that do NOT agree with the document (4d 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	MH011731052202627E	—	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 the engine 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 the engine, not sent

NOI case NOI-2026-03380

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents and payment for the captioned case. We will initiate the challan for the same.

ApplicantSwapnil Sunil Bhavsar

LANHOU/NAG/0826/5205908

Loan AmtRs. 16,81,000

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Applicant's Selfie / Photo, LSR (Legal Search Report), Payment Screenshot with UTR, Sanction Letter

Payment of Rs. 15,248.00 stands VERIFIED against the credit in our account on 09-Oct-2026 (UTR: 638707346919). Nothing further is due on this case.

Next: we generate the GRAS challan and share the paid challan on this same thread. Our TAT of 24 working hours starts now.

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.

DRAFT — written by the engine, not sent

Index II pending — NOI NOI-2026-03380 | HOU/NAG/0826/5205908

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NAG/0826/5205908) 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 3 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

NJ nagsen.jambhulkar@phfl.com phfl.com
09 Oct, 22:06 · 4d ago THE FIRST MAIL — how this case began

Challan & NOI Process req :-HOU/NAG/0826/5205908/SWAPNIL SUNIL BHAVSAR

📎 IMG-20260822-WA0005(1).jpg ↗📎 IMG-20261009-WA0010.jpg ↗📎 SKM_226i26100921420.pdf ↗📎 IMG-20261009-WA0059.jpg ↗📎 IMG-20261009-WA0011.jpg ↗📎 IMG-20260824-WA0003.jpg ↗📎 IMG-20260822-WA0006(1).jpg ↗📎 IMG20260915113112.jpg ↗📎 IMG-20260915-WA0004.jpg ↗

Dear Team,

PFA, Kindly Process,

Challan & NOI Process req :-HOU/NAG/0826/5205908/SWAPNIL SUNIL BHAVSAR.

Thanks & Regards, 
Nagsen Jambhulkar

Sr. Team Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2 

Mobile: 9370638343

PHFL Home Loans and Services Limited

🤖 read: asks for the challan, the e-filing copy; documents attached — “Challan & NOI Process req :-HOU/NAG/0826/5205908/SWAPNIL SUNIL BHAVSAR.”

OL The NOI teamTYPED IN GMAIL
09 Oct, 22:10 · 4d ago

Dear Team

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

initiate the Challan for the same.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Fri, 9 Oct, 2026, 22:06 Nagsen Khemchand Jambhulkar, <
nagsen.jambhulkar@phfl.com> wrote:

Dear Team,

PFA, Kindly Process,
Challan & NOI Process req :-HOU/NAG/0826/5205908/SWAPNIL SUNIL BHAVSAR.

Thanks & Regards,
*Nagsen Jambhulkar*

Sr. Team Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2

Mobile: *9370638343*

*PHFL Home Loans and Services Limited*

*[image: cid:image002.jpg@01D4388E.04228670]*

🤖 read: challan shared — promised for later — “We will initiate the Challan for the same.”

OL The NOI teamTYPED IN GMAIL
09 Oct, 22:49 · 4d ago

📎 EchallanMH011731052202627E BHAVSAR SWAPNIL ↗

Dear Team

PFA challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Fri, 9 Oct 2026 at 22:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Dear Team

We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 9 Oct, 2026, 22:06 Nagsen Khemchand Jambhulkar, < nagsen.jambhulkar@phfl.com > wrote:

Dear Team,

PFA, Kindly Process,
Challan & NOI Process req :-HOU/NAG/0826/5205908/SWAPNIL SUNIL BHAVSAR.

Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile:  9370638343
PHFL Home Loans and Services Limited

🤖 read: challan shared ✓ — “PFA challan for the same.”

OL The NOI teamTYPED IN GMAIL
09 Oct, 22:50 · 4d ago

For noi filing we need index 2 copy ..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Fri, 9 Oct 2026 at 22:49, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Dear Team

PFA challan for the same.
Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 9 Oct 2026 at 22:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Dear Team

We acknowledge the receipt of your mail document and payment. We will initiate the Challan for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Fri, 9 Oct, 2026, 22:06 Nagsen Khemchand Jambhulkar, < nagsen.jambhulkar@phfl.com > wrote:

Dear Team,

PFA, Kindly Process,
Challan & NOI Process req :-HOU/NAG/0826/5205908/SWAPNIL SUNIL BHAVSAR.

Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile:  9370638343
PHFL Home Loans and Services Limited

🤖 read: asks the branch for documents — “For noi filing we need index 2 copy ..”

Every file the branch sent, and what the engine read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.

Document	File — click to open	Status	When
Aadhaar card	IMG-20260822-WA0005(1).jpg	filed	4d ago
Selfie / photo	IMG-20261009-WA0010.jpg	CANNOT BE READ — clear copy asked	4d ago
Sanction letter+ LSR (search report) inside	SKM_226i26100921420.pdf	filed	4d ago
Payment screenshot	IMG-20261009-WA0059.jpg	filed	4d ago
Selfie / photo	IMG-20261009-WA0011.jpg	filed	4d ago
PAN card	IMG-20260824-WA0003.jpg	filed	4d ago
Aadhaar card	IMG-20260822-WA0006(1).jpg	filed	4d ago
PAN card	IMG20260915113112.jpg	filed	4d ago
PAN card+ Aadhaar card inside	IMG-20260915-WA0004.jpg	filed	4d ago
Paid challan (GRAS)	EchallanMH011731052202627E BHAVSAR SWAPNIL SUNIL.pdf	filed	4d 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
₹15,280.29

Where it stands
VERIFIED — money received

Screenshot claims
₹15,248 638707346919

Paid at
9 Oct 22:01:00

Verified on
9 Oct 22:08:06

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹5,050	₹8,410	₹320	₹1,500	₹15,280

By law ₹15,268. We ask ₹15,280 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

44 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Title deed no / year / SRO

22 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, derived, or EzDocs was not sure: District, Taluka, Village, 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 (4d ago) — open the verification page; they are marked in red.

CHECKED by the engine, from the legal report — correct any box that is off; a correction clears thissource: the legal report (SKM_226i26100921420.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

⚠ not in the document

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

Area (sq.mt, carpet)

⚠ not in the document

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.

PLOT NO 270, WARD NO 57, KHASRA NO 136, MOUZA NARI, DIVISION NORTH SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294, INDORA HOUSING ACCOMODATION SCHEME OF NIT, Nagpur, MAHARASHTRA, India, 440014

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

SKM_226i26100921420.pdf

as printed
PLOT NO 270, WARD NO 57, KHASRA NO 136, MOUZA NARI, DIVISION NORTH SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294, NAGPUR, INDORA HOUSING ACCOMODATION SCHEME OF NIT, NAGPUR, MAHARASHTRA, INDIA, 440014

PIN
440014

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 270 WARD NO 57 KHASRA NO 136 DIVISION NORTH SHEET NO 348/84 878/82 342/94 CITY SURVEY NO 294

Locality/Road
INDORA HOUSING ACCOMODATION SCHEME OF NIT MOUZA NARI

Area/City
NAGPUR

check or correct a box, the papers beside it →

Every paper prints the same words as the base paper.

Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.

Parties

Role	Name	PAN	Aadhaar
co_mortgagor	PRIYANKA SWAPNIL BHAVSAR	FLEPB8151F	…8755
mortgagor	SWAPNIL SUNIL BHAVSAR	BVLPB3264Q	…3958

All mail records (for Abhijit — safe to ignore)

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

Template	To	When
acknowledgement	nagsen.jambhulkar@phfl.com	4d ago
Index II chase	nagsen.jambhulkar@phfl.com	3d ago
Index II chase	nagsen.jambhulkar@phfl.com	23h ago

What the engine read from each document — check anything marked in red

Selfie / photo IMG-20261009-WA0010.jpg needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

quality issue
this is a photograph of a passport-size print, not a live selfie

raw reading (for Abhijit)

{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

Payment screenshot IMG-20261009-WA0059.jpg needs your check

utr
638707346919

date
2026-10-09

time
22:01

amount
15248

method
PhonePe

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

debit notification text
Transaction Successful

raw reading (for Abhijit)

{'utr': '638707346919', 'date': '2026-10-09', 'time': '22:01', 'amount': 15248, 'method': 'PhonePe', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': 'Transaction Successful'}

Selfie / photo IMG-20261009-WA0011.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}

Sanction letter SKM_226i26100921420.pdf needs your check

lan
HOU/NAG/0826/5205908

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'SWAPNIL SUNIL BHAVSAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PRIYANKA SWAPNIL BHAVSAR', 'role': 'co_applicant', 'label': 'Applicant'}

loan type
Housing Loan

confidence
1.0

rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement

loan amount
1681000.0

rate spread
-3.65

final amount
1681000.0

interest rate
9.5

sanction date
09-Oct-2026

letter version
8

reference rate
13.15

applicant email
ssb.swapnil@gmail.com

applicant names
SWAPNIL SUNIL BHAVSAR, PRIYANKA SWAPNIL BHAVSAR

printed altered
False

applicant mobile
9822760792

balance transfer
False

property address
pin: 440014; state: MAHARASHTRA; flat_no: 270; district: Nagpur; full_address: PLOT NO 270, WARD NO 57, KHASRA NO 136, MOUZA NARI, DIVISION NORTH SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294, INDORA HOUSING ACCOMODA

insurance premium
0.0

final amount label
Total Loan Amount

includes insurance
False

total with insurance
1681000.0

security address verbatim
PLOT NO 270, WARD NO 57, KHASRA NO 136, MOUZA NARI, DIVISION NORTH SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294, Nagpur, INDORA HOUSING ACCOMODATION SCHEME OF NIT, Nagpur, MAHARASHTRA, India, 440014

applicant address verbatim
PLOT NO. 100, SIDHARTH NAGAR, TEKA NAKA, ., Nagpur, MAHARASHTRA, 440017, India

raw reading (for Abhijit)

{'lan': 'HOU/NAG/0826/5205908', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'SWAPNIL SUNIL BHAVSAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PRIYANKA SWAPNIL BHAVSAR', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan', 'confidence': 1.0, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1681000.0, 'rate_spread': -3.65, 'final_amount': 1681000.0, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '09-Oct-2026', 'letter_version': '8', 'reference_rate': 13.15, 'applicant_email': 'ssb.swapnil@gmail.com', 'applicant_names': ['SWAPNIL SUNIL BHAVSAR', 'PRIYANKA SWAPNIL BHAVSAR'], 'printed_altered': False, 'applicant_mobile': '9822760792', 'balance_transfer': False, 'property_address': {'pin': '440014', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '270', 'district': 'Nagpur', 'floor_no': None, 'landmark': None, 'full_address': 'PLOT NO 270, WARD NO 57, KHASRA NO 136, MOUZA NARI, DIVISION NORTH SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294, INDORA HOUSING ACCOMODATION SCHEME OF NIT, Nagpur, MAHARASHTRA, India, 440014', 'village_city': 'NARI', 'building_name': 'INDORA HOUSING ACCOMODATION SCHEME OF NIT', 'survey_or_cts_no': 'KHASRA NO 136, SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294'}, 'insurance_premium': 0.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': False, 'total_with_insurance': 1681000.0, 'security_address_verbatim': 'PLOT NO 270, WARD NO 57, KHASRA NO 136, MOUZA NARI, DIVISION NORTH SHEET NO 348/84 878/82 342/94, CITY SURVEY NO 294, Nagpur, INDORA HOUSING ACCOMODATION SCHEME OF NIT, Nagpur, MAHARASHTRA, India, 440014', 'applicant_address_verbatim': 'PLOT NO. 100, SIDHARTH NAGAR, TEKA NAKA, ., Nagpur, MAHARASHTRA, 440017, India'}

PAN card IMG-20260824-WA0003.jpg needs your check

dob
1994-04-14

pan
FLEPB8151F

name
PRIYANKA SWAPNIL BHAVSAR

legible
True

father name
SURESHRAO SHRAVANSA KHANDETOD

raw reading (for Abhijit)

{'dob': '1994-04-14', 'pan': 'FLEPB8151F', 'name': 'PRIYANKA SWAPNIL BHAVSAR', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'SURESHRAO SHRAVANSA KHANDETOD', 'aadhaar_last4': None, 'quality_issue': None}

PAN card IMG20260915113112.jpg needs your check

dob
1988-05-03

pan
BVLPB3264Q

name
BHAVSAR SWAPNIL SUNIL

legible
True

father name
SUNIL ASARAM BHAVSAR

raw reading (for Abhijit)

{'dob': '1988-05-03', 'pan': 'BVLPB3264Q', 'name': 'BHAVSAR SWAPNIL SUNIL', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'SUNIL ASARAM BHAVSAR', 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card IMG-20260822-WA0005(1).jpg needs your check

dob
1994-04-14

name
Priyanka Swapnil Bhavsar

legible
True

aadhaar last4
8755

raw reading (for Abhijit)

{'dob': '1994-04-14', 'pan': None, 'name': 'Priyanka Swapnil Bhavsar', 'mobile': None, 'address': None, 'legible': True, 'father_name': None, 'aadhaar_last4': '8755', 'quality_issue': None}

PAN card IMG-20260915-WA0004.jpg needs your check

dob
1988-05-03

name
Swapnil Sunil Bhavsar

address
pin: 423401; area: Madhali Galli; flat: 2877; state: Maharashtra; district: Nashik; village_city: Yevla

legible
True

aadhaar last4
3958

raw reading (for Abhijit)

{'dob': '1988-05-03', 'pan': None, 'name': 'Swapnil Sunil Bhavsar', 'mobile': None, 'address': {'pin': '423401', 'area': 'Madhali Galli', 'flat': '2877', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Nashik', 'post_office': None, 'village_city': 'Yevla'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3958', 'quality_issue': None}

Aadhaar card IMG-20260822-WA0006(1).jpg needs your check

address
pin: 423401; area: Mu Po Yeola; flat: H No 2877; state: Maharashtra; building: C/O Swapnil Bhavsar; district: Nashik; post_office: Yeola; village_city: Yeola

legible
True

aadhaar last4
8755

raw reading (for Abhijit)

{'dob': None, 'pan': None, 'name': None, 'mobile': None, 'address': {'pin': '423401', 'area': 'Mu Po Yeola', 'flat': 'H No 2877', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'C/O Swapnil Bhavsar', 'district': 'Nashik', 'post_office': 'Yeola', 'village_city': 'Yeola'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '8755', 'quality_issue': None}

PAN card IMG-20260915-WA0004.jpg needs your check

dob
1988-05-03

name
Swapnil Sunil Bhavsar

address
pin: 423401; area: madhali galli; flat: 2877; state: Maharashtra; district: Nashik; village_city: Yevla

legible
True

aadhaar last4
3958

raw reading (for Abhijit)

{'dob': '1988-05-03', 'pan': None, 'name': 'Swapnil Sunil Bhavsar', 'mobile': None, 'address': {'pin': '423401', 'area': 'madhali galli', 'flat': '2877', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Nashik', 'post_office': None, 'village_city': 'Yevla'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '3958', 'quality_issue': None}

Paid challan (GRAS) EchallanMH011731052202627E BHAVSAR SWAPNIL SUNIL.pdf needs your check

grn
MH011731052202627E

pin
440014

total
13460.0

article
6(1)

defaced
False

bank cin
03006172026101000040

district
NAGPUR

area city
NAGPUR

payer pan
BVLXXXXXXQ

flat block
PLOT NO 270 WARD NO 57 KHASRA NO 136 MOUZA NARI DIVISION NORTH SHEET NO

payer name
BHAVSAR SWAPNIL SUNIL

sro office
NGP2_JT NAGPUR SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1681000

scheme rows
{'amount': 5050.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8410.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX0792

payment date
09/10/2026-22:46:52

road locality
348/84 878/82 342/94 CITY SR 294 NAGPUR INDORA HOUSING ACCOMODATION SCHEME OF NIT NAGPUR

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1681000

raw reading (for Abhijit)

{'grn': 'MH011731052202627E', 'pin': '440014', 'total': 13460.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101000040', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'BVLXXXXXXQ', 'flat_block': 'PLOT NO 270 WARD NO 57 KHASRA NO 136 MOUZA NARI DIVISION NORTH SHEET NO', 'payer_name': 'BHAVSAR SWAPNIL SUNIL', 'sro_office': 'NGP2_JT NAGPUR SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1681000', 'scheme_rows': [{'amount': 5050.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8410.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX0792', 'payment_date': '09/10/2026-22:46:52', 'road_locality': '348/84 878/82 342/94 CITY SR 294 NAGPUR INDORA HOUSING ACCOMODATION SCHEME OF NIT NAGPUR', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1681000'}

Technical record (for Abhijit — safe to ignore)

23h ago	system:emails	email_shadowed:index2_chase	{'to': 'nagsen.jambhulkar@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0826/5205908) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n
23h ago	system:emails	draft_withdrawn	{'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']}
3d ago	system:emails	email_shadowed:index2_chase	{'to': 'nagsen.jambhulkar@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NAG/0826/5205908) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n
4d ago	system:reconcile	gpay_not_settled_yet	{'why': "the GPay Business app announced this money, but Google's NEFT into the PNB account has not been heard by its own deadline — PNB texts only some credits into the EZDOCS account: paste the day's PNB statement on t
4d ago	system:learn	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 BVxxxxxxXQ — no paper on the
4d ago	system:ingest	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
4d ago	system:ingest	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': 'EchallanMH011731052202627E BHAVSAR SWAPNIL SUNIL.pdf', 'kind'
4d ago	system:ingest	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': 'EchallanMH011731052
4d ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'NGP2_JT NAGPUR SUB REGISTRAR', 'district': 'NAGPUR'}
4d ago	system:extract	challan_verified_against_case	{'grn': 'MH011731052202627E', 'file': 'EchallanMH011731052202627E BHAVSAR SWAPNIL SUNIL.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
4d ago	system:extract	challan_extracted	{'grn': 'MH011731052202627E', 'file': 'EchallanMH011731052202627E BHAVSAR SWAPNIL SUNIL.pdf', 'heads': ['0030046401', '0030063301'], 'total': 13460.0}
4d ago	system:reconcile	quoted_history_checked	{}
4d ago	system:reconcile	extra_challan_scanned	{'found': 0}
4d ago	system:extract	property_self_check	{'ok': False, 'why': "EzDocs judged every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Road', 'why': 'The
4d ago	system:extract	property_auto_verified	{'pin': '440014', 'why': 'read from the legal report; flat / building / number, the village and the English description are all there — checked by the engine, nothing waits for a person. Correct any box below if it is wr
4d ago	ezdocs:reader	reader_home_address	{'fp': '51d9cdd9305d1114', 'from': 'the sanction letter (SKM_226i26100921420.pdf)', 'home': {'pin': '440017', 'area': 'SIDHARTH NAGAR', 'flat': 'PLOT NO. 100', 'state': 'MAHARASHTRA', 'district': 'Nagpur', 'village_city'
4d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-09T16:38:31', 'why': 'reading', 'open': 1, 'mails': [{'at': '2026-10-09 16:36', 'id': '1a121863be4e0166', 'from': 'branch', 'gist': 'Bank branch requests challan and NOI process for a loan.', 's
4d ago	ezdocs:reader	branch_from_reading501	{'why': "the branch's mail named no branch; the papers print this one — the bank's branch-wise summary places the case by it", 'branch': 'NAGPUR'}
4d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '08a590aa30f135be', 'docs': ['SKM_226i26100921420.pdf', 'IMG-20260822-WA0005(1).jpg', 'IMG-20260822-WA0006(1).jpg', 'IMG-20260915-WA0004.jpg', 'IMG-20260824-WA0003.jpg', 'IMG20260915113112.jpg'], 'l
4d ago	system:ingest	pan_by_reading443	{'now': 'BVLPB3264Q', 'was': 'BVLBP3264Q', 'why': 'the reading of the whole file — which knows whose card a PAN is — puts this PAN on the borrower, the card IMG20260915113112.jpg printing BHAVSAR SWAPNIL SUNIL; the row f
4d ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'new mail', 'docs': ['SKM_226i26100921420.pdf', 'IMG-20260822-WA0005(1).jpg', 'IMG-20260822-WA0006(1).jpg', 'IMG-20260915-WA0004.jpg', 'IMG-20260824-WA0003.jpg', 'IMG20260915113112.jpg'], 'after': {
4d ago	system:extract	address_compared	{'sig': '3cd88dc80946e5b6', 'why': 'after gather', 'people': [{'home': '2877, 28th, H No 2877, Mu Po Yeola, Madhali Galli, Yevla, Nashik, 423401', 'person': 'SWAPNIL SUNIL BHAVSAR', 'against': [{'src': 'sanction_letter',
4d ago	system:extract	challan_boxes_composed	{'fp': '97af0edf9fa56ee1', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'first', 'box1': 'PLOT NO 270 WARD NO 57 KHASRA NO
4d ago	system:extract	box_taken_over_by_paper	{'box': 'party.pan#1', 'now': 'BVLBP3264Q', 'src': 'pan', 'was': 'BVLPB3264Q', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. pan prints this, and the printed words
4d ago	system:extract	box_taken_over_by_paper	{'box': 'property.attr2_type', 'now': 'CTS', 'src': 'lsr', 'was': 'SHEET', 'why': "no paper put the old value there — it came from the branch's mail, a derivation or a pattern. lsr prints this, and the printed words are
4d ago	system:ingest	challan_queue_entered	{'why': 'challan-visit documents complete and payment verified'}
4d ago	system:ingest	case_acknowledged_challan_queued	{'utr': '638707346919', 'fee_total': 15280}
4d ago	system:emails	email_shadowed:ack	{'to': 'nagsen.jambhulkar@phfl.com', 'body': "Dear Team,\n\nWe acknowledge receipt of your documents and payment for the captioned case. We will initiate the challan for the same.\n\n Applicant : Swapnil Sunil Bhavsar\n
4d ago	system:emails	fee_quote_suppressed	{'how': 'claim', 'utr': '638707346919', 'why': 'the branch sent its payment proof with the documents — nothing to ask for', 'claimed': 15248.0}
4d ago	system:payments	sms_matched_late	{'ref': None, 'why': 'this credit had arrived before the case could be matched (no bill yet, or the screenshot came later) — matched now on the same evidence as a live SMS', 'amount': 15248.0, 'method': 'screenshot_amoun

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

Papers

All 6 in hand

Selfie re-sent — an earlier one was a photo of a print

Money

₹15,248 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

Needs your eyes: GPay ₹15,248 announced at 16:31 has not settled into the PNB account (due 02:30). Paste PNB statement (SMS page) or Check Settlements in GPay Business.

Yesterday · 13 Oct2 things

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03380 | HOU/NAG/0826/5205908

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-2026-03380 | HOU/NAG/0826/5205908