⚠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.

Cases / NOI-2026-03261

Sandip Kumar

LAN HOU/NSK/0926/5222886 Challan paid · waiting on the branch Waiting for the Index II Send the draft 2 All documents Mails & papers 5

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

✓Payment screenshot — money verifiedopen

✓Sanction letteropen

✓PAN cardopen

✓Paid challan (GRAS)open

✓Aadhaar card — inside 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 (9)A label is wrong? Fix it under All documents.

Needs your eyes

GPay ₹18,600 announced at 12:34 has not settled into the PNB account (due 16:34). Paste PNB statement (SMS page) or Check Settlements in GPay Business.

MoneyAll of it is in

₹18,640.58CASE MARK

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

₹18,600 receivedthe receipt's amount and minute agree

Stamp duty 0.3%6,310

Registration fee 0.5%10,510

Government handling320

Our service fee1,500.58

Total we ask for18,640.58

the branch’s receipt claims ₹18,600 492873276836

paid 7 Oct 18:04:00 · verified 7 Oct 18:21:46 · 17 min later

How we know

Our own bank told us — 7 Oct 18:04

₹18,600 · from GPAY-BIZ

“₹18,600.00 received from SONAWANE B V at 6:04 PM The amount will settle in your bank account via NEFT.”

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

Paid the bank's own ₹18,600. ₹40.58 under our ask = our margin. Accepted as full.

By law ₹18,620. We ask ₹18,640 (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 ₹18,600 — accept as full (₹40.58 = our margin).

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 48 minour time · 7 Oct 19:04

Index II —not yet

the NOI team 6 d 6 htotal 6 d 6 h so far

Now with the NOI team — e-filing on IGR

since 7 Oct 19:04 — 6 d 5 h of working time

Day by day — every step and who held it

7 Oct 18:15Your branch's mail

7 Oct 18:15Payment landedat once

7 Oct 18:21Fee quoted+6 min · the NOI team

7 Oct 18:21Papers readat once

7 Oct 18:21Property readat once

7 Oct 18:21Papers readat once

7 Oct 18:21Payment verifiedat once

7 Oct 18:21Ready for the challanat once

7 Oct 19:04Challan made+42 min · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹21,00,000

Loan account no.

HOU/NSK/0926/5222886

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 sanction letter. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.

District

Nashik

Taluka

Nashik

Village

Nashik

Number type

SURVEY

Number

204/2/11

Building

Naroshankar Heights

Floor

3rd Floor

Flat / shop no

303

Area

(empty)

Hadd

Nashik Municipal Corporation

Read from the sanction letter, not the Index II. DocScanner Oct 7, 2026 1-29 PM.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 (6d ago) — open the verification page; they are marked in red.

Area is empty — the portal will not take a blank. Fill it on the verification page first →

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

• 16 property box(es) not from the Index II / derived / unsure — amber 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

• changed — Survey No / Attribute 1 & 2: the case held 204/2/11 · 11, HIRAWADI, NASHIK, BEHIND SHREE SAPTSHRUNGI AYURVED COLLAGE, CLOSE TO HIRAWADI ROAD, MAHARASHTRA, INDIA, 422003; filled 204/2/11 · 11 — the sanction letter prints these numbers for this property — every one, each with its own word; the portal's two boxes carry them all

• check — not settled from any paper: date_of_mortgage (The Memorandum of Deposit of Title Deeds (MOTD) is missing from the file.)

• check — not settled from any paper: title_deed (The registered Index II or Sale Deed of the purchase is missing from the file.)

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 (6d 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	MH011576074202627E	—	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

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.

ApplicantSandip Kumar

LANHOU/NSK/0926/5222886

Loan AmtRs. 21,00,000

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Applicant's Selfie / Photo, Payment Screenshot with UTR, Sanction Letter

Payment of Rs. 18,600.00 stands VERIFIED against the credit in our account on 07-Oct-2026 (UTR: 492873276836). Nothing further is due on this case.

Still needed to complete the NOI e-filing (this does NOT hold up the challan or your disbursement):

Index II copy / Title document

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-2026-03261 | HOU/NSK/0926/5222886

how it will look to the branch

Dear Team,

The GRAS challan for the captioned case (LAN: HOU/NSK/0926/5222886) 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 0 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

PA piyush.aher@phfl.com phfl.com
07 Oct, 18:15 · 6d ago THE FIRST MAIL — how this case began

Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0926/5222886 Applicant Name : SANDIP KUMAR

📎 IMG-20260918-WA0010.jpg ↗📎 TransactionReceipt7473638761434586317.jpeg ↗📎 DocScanner Oct 7, 2026 1-29 PM.pdf ↗📎 image002.jpg ↗📎 IMG_20261007_114611 (1).jpg ↗📎 image001.jpg ↗📎 image001.jpg ↗📎 KYC.pdf ↗

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer nameSANDIP KUMAR

Loan account (LAN)HOU/NSK/0926/5222886

Loan amount₹21,00,000

Stamp duty 0.30%₹6,300

Registration fee 0.50%₹10,500

DHC₹300

Service / vendor fees₹1,500

Total₹18,600

✓ Sanction Letter — attached
✓ Customer Aadhar Card / co applicant — attached
✓ Customer pan Card / co applicant — attached
✓ Form A2 or Soft copy of photograph — attached
✓ Payment details — attached

*Index II CopyOTC

Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

earlier mails quoted below

From: Chetan Bhausaheb Jadhav ( chetan.jadhav@phfl.com )
Date: 07-10-2026 06:12 pm
To: piyush.aher ( piyush.aher@phfl.com )
Cc: Vinod Chavhan ( vinod.chavhan@pnbhousing.com )
Subject:  NOI Sandip Kumar

Dear team,

PFA NOI Document.

Thanks & Regards,

Chetan Jadhav
Team Leader,
Block No. 407 & 408, Padma Vishwa Landmark,
4 th  Floor , Racca Colony, Sharanpur Road, Nashik.
Direct:  Mobile:8999979445
Website- www.pnbhousing.com

​

🤖 read: asks for the challan, the fee / a quote; documents attached — “LOAN AMOUNT 2100000 0.30% 6300 0.50% 10500 FEES 1500 DHC 300 TOTAL 18,600”

2 more mails in between — open

OL The NOI teamTYPED IN GMAIL
07 Oct, 18:26 · 6d ago

Team,

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, 7 Oct 2026 at 18:21, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANDIP KUMAR

Lan No  HOU/NSK/0926/5222886

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*Sanction Letter  attached
*Customer Aadhar Card / co applicant  attached
*Customer pan Card /  co applicant  attached
*Index II Copy  OTC
*Form A2 or Soft copy of photograph  attached
*Payment details  attached

SRO No

Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct:  +91-253-2311672
Toll Free: 1800 120 8800
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

From: Chetan Bhausaheb Jadhav ( chetan.jadhav@phfl.com )
Date: 07-10-2026 06:12 pm
To: piyush.aher ( piyush.aher@phfl.com )
Cc: Vinod Chavhan ( vinod.chavhan@pnbhousing.com )
Subject:  NOI Sandip Kumar

Dear team,

PFA NOI Document.

Thanks & Regards,

Chetan Jadhav
Team Leader,
Block No. 407 & 408, Padma Vishwa Landmark,
4 th  Floor , Racca Colony, Sharanpur Road, Nashik.
Direct:  Mobile:8999979445
Website- www.pnbhousing.com

​

🤖 read: asks the branch for documents — “We acknowledge the receipt of your mail documents and payment.”

OL The NOI teamTYPED IN GMAIL
07 Oct, 18:46 · 6d ago

Team,

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, 7 Oct 2026 at 18:21, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANDIP KUMAR

Lan No  HOU/NSK/0926/5222886

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*Sanction Letter  attached
*Customer Aadhar Card / co applicant  attached
*Customer pan Card /  co applicant  attached
*Index II Copy  OTC
*Form A2 or Soft copy of photograph  attached
*Payment details  attached

SRO No

Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct:  +91-253-2311672
Toll Free: 1800 120 8800
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

From: Chetan Bhausaheb Jadhav ( chetan.jadhav@phfl.com )
Date: 07-10-2026 06:12 pm
To: piyush.aher ( piyush.aher@phfl.com )
Cc: Vinod Chavhan ( vinod.chavhan@pnbhousing.com )
Subject:  NOI Sandip Kumar

Dear team,

PFA NOI Document.

Thanks & Regards,

Chetan Jadhav
Team Leader,
Block No. 407 & 408, Padma Vishwa Landmark,
4 th  Floor , Racca Colony, Sharanpur Road, Nashik.
Direct:  Mobile:8999979445
Website- www.pnbhousing.com

​

🤖 read: asks the branch for documents — “For NOI filing, We need an index 2 copy.”

OL The NOI teamTYPED IN GMAIL
07 Oct, 19:06 · 6d ago

Regards,NOI Coordinator (PNB)

ThinkBigz

M:-8097244974

earlier mails quoted below

On Wed, 7 Oct 2026 at 18:46, 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, 7 Oct 2026 at 18:21, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANDIP KUMAR

Lan No  HOU/NSK/0926/5222886

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*Sanction Letter  attached
*Customer Aadhar Card / co applicant  attached
*Customer pan Card /  co applicant  attached
*Index II Copy  OTC
*Form A2 or Soft copy of photograph  attached
*Payment details  attached

SRO No

Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct:  +91-253-2311672
Toll Free: 1800 120 8800
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

From: Chetan Bhausaheb Jadhav ( chetan.jadhav@phfl.com )
Date: 07-10-2026 06:12 pm
To: piyush.aher ( piyush.aher@phfl.com )
Cc: Vinod Chavhan ( vinod.chavhan@pnbhousing.com )
Subject:  NOI Sandip Kumar

Dear team,

PFA NOI Document.

Thanks & Regards,

Chetan Jadhav
Team Leader,
Block No. 407 & 408, Padma Vishwa Landmark,
4 th  Floor , Racca Colony, Sharanpur Road, Nashik.
Direct:  Mobile:8999979445
Website- www.pnbhousing.com

​

🤖 read: Regards from the NOI Coordinator.

OL The NOI teamTYPED IN GMAIL
07 Oct, 19:06 · 6d ago

📎 SANDIP KUMAR EchallanMH011576074202627E.pd ↗

Team,

PFA challan for your reference.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

earlier mails quoted below

On Wed, 7 Oct 2026 at 18:46, 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, 7 Oct 2026 at 18:21, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:

Dear Team,

Kindly process 0.3 & 0.5 Challan in below case.

Customer Name  SANDIP KUMAR

Lan No  HOU/NSK/0926/5222886

Loan Amount  2100000

LOAN AMOUNT  2100000
0.30%  6300
0.50%  10500
FEES  1500
DHC  300
TOTAL  18,600

*Sanction Letter  attached
*Customer Aadhar Card / co applicant  attached
*Customer pan Card /  co applicant  attached
*Index II Copy  OTC
*Form A2 or Soft copy of photograph  attached
*Payment details  attached

SRO No

Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct:  +91-253-2311672
Toll Free: 1800 120 8800
Website-  www.pnbhousing.com
PHFL Home Loans and Services Limited

From: Chetan Bhausaheb Jadhav ( chetan.jadhav@phfl.com )
Date: 07-10-2026 06:12 pm
To: piyush.aher ( piyush.aher@phfl.com )
Cc: Vinod Chavhan ( vinod.chavhan@pnbhousing.com )
Subject:  NOI Sandip Kumar

Dear team,

PFA NOI Document.

Thanks & Regards,

Chetan Jadhav
Team Leader,
Block No. 407 & 408, Padma Vishwa Landmark,
4 th  Floor , Racca Colony, Sharanpur Road, Nashik.
Direct:  Mobile:8999979445
Website- www.pnbhousing.com

​

🤖 read: challan shared ✓ — “PFA challan for your reference.”

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
Selfie / photo	IMG-20260918-WA0010.jpg	filed	6d ago
Payment screenshot	TransactionReceipt7473638761434586317.jpeg	filed	6d ago
Sanction letter	DocScanner Oct 7, 2026 1-29 PM.pdf	filed	6d ago
Other	image002.jpg	filed	6d ago
Selfie / photo	IMG_20261007_114611 (1).jpg	filed	6d ago
Other	image001.jpg	filed	6d ago
Other	image001.jpg	filed	6d ago
PAN card+ Aadhaar card inside	KYC.pdf	filed	6d ago
Paid challan (GRAS)	SANDIP KUMAR EchallanMH011576074202627E.pdf	filed	6d 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
₹18,640.58

Where it stands
VERIFIED — money received

Screenshot claims
₹18,600 492873276836

Paid at
7 Oct 18:04:00

Verified on
7 Oct 18:21:46

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹6,310	₹10,510	₹320	₹1,500	₹18,640

By law ₹18,620. We ask ₹18,640 (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)

18 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 (6d ago) — open the verification page; they are marked in red.

not verified yetsource: the sanction letter (DocScanner Oct 7, 2026 1-29 PM.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.

Flat No 303, 3rd Floor, Naroshankar Heights, S No 204/2/11 Plot No 11, Hirawadi, Nashik, Behind Shree Saptshrungi Ayurved Collage, Nashik, Close To Hirawadi Road, Nashik, MAHARASHTRA, India, 422003

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

DocScanner Oct 7, 2026 1-29 PM.pdf

as printed
FLAT NO 303, 3RD FLOOR, NAROSHANKAR HEIGHTS, S NO 204/2/11 PLOT NO 11, HIRAWADI, NASHIK, BEHIND SHREE SAPTSHRUNGI AYURVED COLLAGE, NASHIK, CLOSE TO HIRAWADI ROAD, NASHIK, MAHARASHTRA, INDIA, 422003

PIN
422003

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 303 3RD FLOOR NAROSHANKAR HEIGHTS SURVEY NO 204/2/11 PLOT NO 11

Locality/Road
HIRAWADI BEHIND SHREE SAPTSHRUNGI AYURVED COLLAGE CLOSE TO HIRAWADI ROAD

Area/City
NASHIK

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
mortgagor	SANDIP KUMAR	EGUPK2137Q	…7115

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	piyush.aher@phfl.com	6d ago
Index II chase	piyush.aher@phfl.com	5d ago

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

Selfie / photo IMG-20260918-WA0010.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}

Payment screenshot TransactionReceipt7473638761434586317.jpeg needs your check

utr
492873276836

date
2026-10-07

time
18:04

amount
18600

method
PhonePe

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

raw reading (for Abhijit)

{'utr': '492873276836', 'date': '2026-10-07', 'time': '18:04', 'amount': 18600, 'method': 'PhonePe', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}

Other image002.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image001.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image001.jpg needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Selfie / photo IMG_20261007_114611 (1).jpg needs your check

kind
live_selfie

legible
True

confidence
1.0

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1.0, 'face_visible': True, 'quality_issue': None}

Sanction letter DocScanner Oct 7, 2026 1-29 PM.pdf needs your check

lan
HOU/NSK/0926/5222886

legible
True

purpose
Housing Loan, Housing

borrowers
{'name': 'SANDIP KUMAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'RANJNA', 'role': 'applicant', 'label': 'Applicant'}

confidence
1

rate words
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -4.15% = 9.00% per annum as on the date of execution of the loan agreement

loan amount
2000000

rate spread
-4.15

final amount
2100000

interest rate
9

sanction date
28-Sep-2026

letter version
4

reference rate
13.15

applicant email
sandipkumar02313@gmail.com

applicant names
SANDIP KUMAR, RANJNA

printed altered
False

applicant mobile
9172767624

balance transfer
False

property address
pin: 422003; road: Hirawadi Road; state: MAHARASHTRA; flat_no: 303; district: Nashik; floor_no: 3rd Floor; landmark: Behind Shree Saptshrungi Ayurved Collage, Close To Hirawadi Road; full_address: Flat No 303, 3rd Floor,

insurance premium
100000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
2100000

security address verbatim
Flat No 303, 3rd Floor, Naroshankar Heights, S No 204/2/11 Plot No 11, Hirawadi, Nashik, Behind Shree Saptshrungi Ayurved Collage, Nashik, Close To Hirawadi Road, Nashik, MAHARASHTRA, India, 422003

applicant address verbatim
GHAR NO 72 TAHIR MANGIL MURTUZA ALI CHOWK, AMARDHAM ROAD OLD KUMBHARWADA DARGA ROAD NEAR, KAPALESHWAR KIRANA SHOP OLD NASHIK DWARKA, NASHIK, Nashik, MAHARASHTRA, 422001, India

raw reading (for Abhijit)

{'lan': 'HOU/NSK/0926/5222886', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'SANDIP KUMAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'RANJNA', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': 'PNBRRR * 13.15% per annum\nApplicable Rate of Interest * 13.15% -4.15% = 9.00% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2000000, 'rate_spread': -4.15, 'final_amount': 2100000, 'interest_rate': 9, 'quality_issue': None, 'sanction_date': '28-Sep-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'sandipkumar02313@gmail.com', 'applicant_names': ['SANDIP KUMAR', 'RANJNA'], 'printed_altered': False, 'applicant_mobile': '9172767624', 'balance_transfer': False, 'property_address': {'pin': '422003', 'road': 'Hirawadi Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '303', 'district': 'Nashik', 'floor_no': '3rd Floor', 'landmark': 'Behind Shree Saptshrungi Ayurved Collage, Close To Hirawadi Road', 'full_address': 'Flat No 303, 3rd Floor, Naroshankar Heights, S No 204/2/11 Plot No 11, Hirawadi, Nashik, Behind Shree Saptshrungi Ayurved Collage, Nashik, Close To Hirawadi Road, Nashik, MAHARASHTRA, India, 422003', 'village_city': 'Nashik', 'building_name': 'Naroshankar Heights', 'survey_or_cts_no': 'S No 204/2/11 Plot No 11'}, 'insurance_premium': 100000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 2100000, 'security_address_verbatim': 'Flat No 303, 3rd Floor, Naroshankar Heights, S No 204/2/11 Plot No 11, Hirawadi, Nashik, Behind Shree Saptshrungi Ayurved Collage, Nashik, Close To Hirawadi Road, Nashik, MAHARASHTRA, India, 422003', 'applicant_address_verbatim': 'GHAR NO 72 TAHIR MANGIL MURTUZA ALI CHOWK, AMARDHAM ROAD OLD KUMBHARWADA DARGA ROAD NEAR, KAPALESHWAR KIRANA SHOP OLD NASHIK DWARKA, NASHIK, Nashik, MAHARASHTRA, 422001, India'}

PAN card KYC.pdf needs your check

dob
1998-10-02

pan
EGUPK2137Q

mobile
9172767624

address
pin: 422001; area: Juna Kumbharwada, Old Nashik; road: Amardham Road; state: Maharashtra; building: Kapaleshwar Kirana Stores; district: Nashik; post_office: Nashik; village_city: Nashik

legible
True

aadhaar last4
7115

raw reading (for Abhijit)

{'dob': '1998-10-02', 'pan': 'EGUPK2137Q', 'mobile': '9172767624', 'address': {'pin': '422001', 'area': 'Juna Kumbharwada, Old Nashik', 'flat': None, 'road': 'Amardham Road', 'floor': None, 'state': 'Maharashtra', 'building': 'Kapaleshwar Kirana Stores', 'district': 'Nashik', 'post_office': 'Nashik', 'village_city': 'Nashik'}, 'legible': True, 'aadhaar_last4': '7115', 'quality_issue': None}

PAN card KYC.pdf needs your check

dob
1998-10-02

pan
EGUPK2137Q

mobile
9172767624

address
pin: 422001; area: Juna Kumbharwada, Old Nashik; road: Amardham Road; state: Maharashtra; building: Kapaleshwar Kirana Stores; district: Nashik; post_office: Nashik; village_city: Nashik

legible
True

aadhaar last4
7115

raw reading (for Abhijit)

{'dob': '1998-10-02', 'pan': 'EGUPK2137Q', 'mobile': '9172767624', 'address': {'pin': '422001', 'area': 'Juna Kumbharwada, Old Nashik', 'flat': None, 'road': 'Amardham Road', 'floor': None, 'state': 'Maharashtra', 'building': 'Kapaleshwar Kirana Stores', 'district': 'Nashik', 'post_office': 'Nashik', 'village_city': 'Nashik'}, 'legible': True, 'aadhaar_last4': '7115', 'quality_issue': None}

PAN card KYC.pdf needs your check

dob
1998-10-02

pan
EGUPK2137Q

legible
True

raw reading (for Abhijit)

{'dob': '1998-10-02', 'pan': 'EGUPK2137Q', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

PAN card KYC.pdf needs your check

dob
1998-10-02

pan
EGUPK2137Q

mobile
9172767624

address
pin: 422001; area: Juna Kumbharwada, Old Nashik; road: Amardham Road; state: Maharashtra; building: Kapaleshwar Kirana Stores; district: Nashik; post_office: Nashik; village_city: Nashik

legible
True

aadhaar last4
7115

raw reading (for Abhijit)

{'dob': '1998-10-02', 'pan': 'EGUPK2137Q', 'mobile': '9172767624', 'address': {'pin': '422001', 'area': 'Juna Kumbharwada, Old Nashik', 'flat': None, 'road': 'Amardham Road', 'floor': None, 'state': 'Maharashtra', 'building': 'Kapaleshwar Kirana Stores', 'district': 'Nashik', 'post_office': 'Nashik', 'village_city': 'Nashik'}, 'legible': True, 'aadhaar_last4': '7115', 'quality_issue': None}

Paid challan (GRAS) SANDIP KUMAR EchallanMH011576074202627E.pdf needs your check

grn
MH011576074202627E

pin
422003

total
16820.0

article
6(1)

defaced
False

bank cin
03006172026100701306

district
NASHIK

area city
NASARAS MAHARASHTRA

payer pan
EGUXXXXXXQ

flat block
FLAT NO 303 3RD FLOOR NAROSHANKAR HEIGHTS SURVEY NO 204/2/11 PLOT NO 11

payer name
SANDIP KUMAR

sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2100000

scheme rows
{'amount': 6310.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10510.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX7624

payment date
07/10/2026-19:04:11

road locality
BEHIND SHREE SAPTSHRUNGI AYURVED COLLAGE CLOSE TO HIRAWADI ROAD NASHIK

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
2100000

raw reading (for Abhijit)

{'grn': 'MH011576074202627E', 'pin': '422003', 'total': 16820.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100701306', 'district': 'NASHIK', 'area_city': 'NASARAS MAHARASHTRA', 'payer_pan': 'EGUXXXXXXQ', 'flat_block': 'FLAT NO 303 3RD FLOOR NAROSHANKAR HEIGHTS SURVEY NO 204/2/11 PLOT NO 11', 'payer_name': 'SANDIP KUMAR', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2100000', 'scheme_rows': [{'amount': 6310.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10510.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7624', 'payment_date': '07/10/2026-19:04:11', 'road_locality': 'BEHIND SHREE SAPTSHRUNGI AYURVED COLLAGE CLOSE TO HIRAWADI ROAD NASHIK', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2100000'}

Technical record (for Abhijit — safe to ignore)

5d ago	system:emails	email_shadowed:index2_chase	{'to': 'piyush.aher@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/NSK/0926/5222886) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In
6d 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
6d 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 EGxxxxxxXQ — no paper on the
6d 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
6d 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': 'SANDIP KUMAR EchallanMH011576074202627E.pdf', 'kind': 'paid'}
6d 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': 'SANDIP KUMAR Echall
6d 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': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'district': 'NASHIK'}
6d ago	system:extract	challan_verified_against_case	{'grn': 'MH011576074202627E', 'file': 'SANDIP KUMAR EchallanMH011576074202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
6d ago	system:extract	challan_extracted	{'grn': 'MH011576074202627E', 'file': 'SANDIP KUMAR EchallanMH011576074202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 16820.0}
6d ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '457183', 'lessons': [{'box': 'Property box 1', 'words': 'Property box 1: the
6d ago	copilot: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':
6d 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': 16, 'differs': []}
6d ago	system:copilot	form_checked489	{'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03261'}
6d ago	ops:copilot	challan_boxes_not_the_papers_words	{'why': "check — the boxes carry words the base paper does not print (SURVEY) — read box 1 once against the paper's own words"}
6d ago	system:reconcile	quoted_history_checked	{}
6d ago	system:reconcile	extra_challan_scanned	{'found': 0}
6d 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': 'Village', 'why': '
6d ago	ezdocs:reader	reader_home_address	{'fp': '23cb96f2e328282c', 'from': 'the sanction letter (DocScanner Oct 7, 2026 1-29 PM.pdf)', 'home': {'pin': '422001', 'area': 'NEAR KAPALESHWAR KIRANA SHOP OLD NASHIK DWARKA', 'flat': 'GHAR NO 72', 'road': 'AMARDHAM R
6d ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-07T12:52:33', 'why': 'reading', 'open': 3, 'mails': [{'at': '2026-10-07 12:45', 'id': '1a1166ada4597ef6', 'from': 'branch', 'gist': 'The bank branch asks the team to process the challan for the
6d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'a1a91fd3516292db', 'docs': ['DocScanner Oct 7, 2026 1-29 PM.pdf', 'KYC.pdf'], 'loan': {'amount': 2100000, 'made_of': [{'what': 'sanctioned amount', 'paper': 'the sanction letter', 'quote': 'INR 200
6d ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'new mail', 'docs': ['DocScanner Oct 7, 2026 1-29 PM.pdf', 'KYC.pdf'], 'after': {'addresses': {'people': [['SANDIP KUMAR', [['sanction_letter', 'same_spelling']]]], 'property': []}, 'challan_boxes':
6d ago	system:extract	address_compared	{'sig': '3c9799185f1577a4', 'why': 'after gather', 'people': [{'home': 'Kapaleshwar Kirana Stores, Amardham Road, Juna Kumbharwada, Old Nashik, Nashik, Nashik, 422001', 'person': 'SANDIP KUMAR', 'against': [{'src': 'sanc
6d ago	system:extract	challan_boxes_composed	{'fp': '022c44abc8eda3f2', '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': 'FLAT NO 303 3RD FLOOR NAROSHANKA
6d ago	system:extract	property_numbers_completed	{'now': {'attr2_value': '11, HIRAWADI, NASHIK, BEHIND SHREE SAPTSHRUNGI AYURVED COLLAGE, CLOSE TO HIRAWADI ROAD, MAHARASHTRA, INDIA, 422003'}, 'was': {'attr2_value': '11'}, 'why': "the property's own words print more num
6d ago	system:ingest	documents_read_together	{'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 8, 'seconds': 31.0, 'workers': 5}
6d ago	system:ingest	kyc_address_read	{'doc': 'aadhaar', 'pin': '422001', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Nashik', 'doc_id': '96d14bb8-51a1-
6d ago	system:extract	pan_found_inside	{'doc': 'aadhaar', 'pan_masked': 'EGxxxxx7Q'}
6d ago	system:ingest	challan_queue_entered	{'why': 'challan-visit documents complete and payment verified'}
6d ago	system:ingest	case_acknowledged_challan_queued	{'utr': '492873276836', 'fee_total': 18640}
6d ago	system:emails	email_shadowed:ack	{'to': 'piyush.aher@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 : Sandip Kumar\n LAN : H

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

₹18,600 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 ₹18,600 announced at 12:34 has not settled into the PNB account (due 16:34). Paste PNB statement (SMS page) or Check Settlements in GPay Business.

8 Oct1 thing

Wrote the Index II chase mail — held, silent mode

Index II pending — NOI NOI-2026-03261 | HOU/NSK/0926/5222886