⚠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-2026-02407
Digambar Ganpat Waghchoure
LAN HOU/NSK/0926/5219065
Challan paid · waiting on the branch
Waiting for the Index IISend the draft 2All documentsMails & papers 4Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs2 still to come
7 of 9 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓MOTDopen
✓Sanction letteropen
✓PAN cardopen
✓Paid challan (GRAS)open
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 (5)A label is wrong? Fix it under All documents.
Needs your eyes
- GPay ₹26,250 announced at 13:03 has not settled into the PNB account (due 17:03). Paste PNB statement (SMS page) or Check Settlements in GPay Business.
MoneyAll of it is in
₹26,280.49CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹26,250 receivedthe receipt's amount and minute agree
Stamp duty 0.3%9,460
Registration fee 0.5%15,000
Government handling320
Our service fee1,500.49
Total we ask for26,280.49
the branch’s receipt claims ₹26,250 450193660201
paid 24 Sep 18:32:00 · verified 24 Sep 19:00:11 · 28 min later
How we know
Our own bank told us — 24 Sep 18:32
₹26,250 · from GPAY-BIZ
“₹26,250.00 received from DIGAMBAR G W at 6:32 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 ₹26,250. ₹30.49 under our ask = our margin. Accepted as full.
By law ₹26,270. We ask ₹26,280 (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.
Bank's table ₹26,250 — accept as full (₹30.49 = our margin).
BANK'S TABLE — INSIDE OUR BUFFER
Bank table ₹26,250. We ask ₹26,280. Difference ₹30 — OK (our margin). Accept ₹26,250 as full. Nothing to collect.
Their own rows add to ₹24,750, their total says ₹26,250 — a ₹1,500 slip in their sheet. Not ours to fix.
why?
Their DHC is ₹300 on the sheet, ours ₹320 (Avinash's policy margin); their rows are rounded. By the Koli ruling (3 Sep) a total inside ₹60 / 0.25% of our ask is paid in full.
the branch's own words
The branch's mail said: the bank's own rows sum to Rs.24,750 but its total says Rs.26,250See the full workingevery row, and the property
Time takennot shown to the bank
Challan 32 minour time · 24 Sep 19:26
Index II —not yet
the NOI team 19 d 6 htotal 19 d 6 h so far
Now with the NOI team — e-filing on IGR
since 24 Sep 19:26 — 19 d 5 h of working time
Day by day — every step and who held it
24 Sep 18:53Your branch's mail
24 Sep 18:53Payment landedat once
24 Sep 18:59Papers read+6 min · the NOI team
24 Sep 18:59Property readat once
24 Sep 19:00Fee quotedat once
24 Sep 19:00Payment verifiedat once
24 Sep 19:00Ready for the challanat once
24 Sep 19:26Challan made+26 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹31,50,000
Loan account no.
HOU/NSK/0926/5219065
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
Pathardi
Village
Nashik
Number type
SURVEY
Number
228/1
Building
Nisarg Avenue Apartment
Floor
1st Floor
Flat / shop no
103
Area
(empty)
Hadd
(empty)
Read from the sanction letter, not the Index II. Sanction letter - 2026-09-24T185255.701.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 (19d 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:
• DO NOT SAVE — the last reading of this whole file found: MOTD document. A fresh reading is being made; press Fill again in a minute — the blue Fill button at the top of the co-pilot, beside the case number.
• Mortgagor pages: BABLU GANPAT WAGHCHAURE is named on the sanction letter (Sanction letter - 2026-09-24T185255.701.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
• Mortgagor pages: VITABAI GANPAT WAGHCHURE is named on the sanction letter (Sanction letter - 2026-09-24T185255.701.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
• check — District: the papers' taluka PATHARDI is listed under AHILYANAGAR on the government's list, but the district is NASHIK — read the paper
• 11 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, road, attr1_type, attr1_value
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.
⚠ 1 difference between the papers — 1 stops the challan and the filing the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box
STOPMOTD document (the last reading of the file — the papers changed since)
| Our file as it was opened | image002.jpg is filed as motd |
| Image002.jpg | This is a selfie, not a Memorandum of Deposit of Title Deeds. |
Why it matters: The file incorrectly identifies a selfie as the MOTD. The actual MOTD is needed to confirm the date of mortgage for the e-filing.
What to do: Ask the branch to provide the correct Memorandum of Deposit of Title Deeds (MOTD) document.
Compared: the sanction letter; and the whole-file reading. Nothing here is typed or changed by itself.
Where this case stands — the whole trailread by EzDocs as one conversation
The bank branch has sent the loan documents and the fee has been paid. The NOI team has generated and shared the challan, but is waiting for the branch to send the Index II copy for filing.
the trail says the next move is with the branch — the Index II
✓ loan papers sent — done, mail 1 (2026-09-24) “Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC
*Form A2 or Soft copy o”
✓ fee paid — the branch's words — done, mail 2 (2026-09-24) “We acknowledge the receipt of your mail documents and payment.”
✓ challan made — done, mail 3 (2026-09-24) “PFA challan for your reference..”
✓ challan shared — done, mail 3 (2026-09-24) “PFA challan for your reference..”
? Index II asked for — asked, mail 2 (2026-09-24) “For NOI filing, We need an index 2 copy.”
read over 4 mail(s), last mail 2026-09-24 · read 19d 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). 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 (19d 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 | MH010831649202627E | — | pending |
Fix something every change is recorded with your name
Where did
you see the money? One tap is the same record, in your name:
Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.
Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once
Advanced — move the case by hand (ask Abhijit first)
Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.
The reply 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-2026-02407
DRAFT — written by the engine, not sent
Index II pending — NOI NOI-2026-02407 | HOU/NSK/0926/5219065
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
24 Sep, 18:53 · 19d ago THE FIRST MAIL — how this case began
24 Sep, 18:53 · 19d ago THE FIRST MAIL — how this case began
Process 0.3 & 0.5 Challan in case of Loan No : HOU/NSK/0926/5219065 Applicant Name : DIGAMBAR GANPAT WAGHCHOURE
📎 image002.jpg↗📎 Sanction letter - 2026-09-24T185255.701.pd↗📎 image001.jpg↗📎 DOC-20260924-WA0019.pdf↗
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case.
Customer nameDIGAMBAR GANPAT WAGHCHOURE
Loan account (LAN)HOU/NSK/0926/5219065
Loan amount₹31,50,000
Stamp duty 0.30%₹9,450
Registration fee 0.50%₹15,000
DHC₹300
Service / vendor fees₹1,500
Total₹26,250
- ✓ 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: Roshan Rajendra Nikam ( roshan.nikam@phfl.com )
Date: 24-09-2026 06:49 pm
To: Piyush Santosh Aher ( piyush.aher@phfl.com )
Subject: Document from Roshan R Nikam
🤖 read: documents attached; note: Kindly process 0.3 & 0.5 Challan in below case.
OL
The NOI teamTYPED IN GMAIL
24 Sep, 19:11 · 19d ago
24 Sep, 19:11 · 19d 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*
On Thu, 24 Sept 2026 at 18:59, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
earlier mails quoted below
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case.
Customer Name
DIGAMBAR GANPAT WAGHCHOURE
Lan No
HOU/NSK/0926/5219065
Loan Amount 3150000
LOAN AMOUNT 3150000
0.30% 9450
0.50% 15000
FEES 1500
DHC 300
TOTAL 26,250
*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 <+91%20253%20231%201672>
Toll Free: 1800 120 8800
Website-www.pnbhousing.com
*PHFL Home Loans and Services Limited*
----- Forwarded Message -----
------------------------------
From: Roshan Rajendra Nikam (roshan.nikam@phfl.com)
Date: 24-09-2026 06:49 pm
To: Piyush Santosh Aher (piyush.aher@phfl.com)
Subject: Document from Roshan R Nikam
🤖 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
24 Sep, 19:28 · 19d ago
24 Sep, 19:28 · 19d ago
Team,
PFA challan for your reference..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Thu, 24 Sept 2026 at 19:11, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
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 <(809)%20724-4974>*
On Thu, 24 Sept 2026 at 18:59, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> DIGAMBAR GANPAT WAGHCHOURE
>
> Lan No
> HOU/NSK/0926/5219065
>
> Loan Amount 3150000
>
>
> LOAN AMOUNT 3150000
> 0.30% 9450
> 0.50% 15000
> FEES 1500
> DHC 300
> TOTAL 26,250
>
>
> *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 <+91%20253%20231%201672>
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: Roshan Rajendra Nikam (roshan.nikam@phfl.com)
> Date: 24-09-2026 06:49 pm
> To: Piyush Santosh Aher (piyush.aher@phfl.com)
> Subject: Document from Roshan R Nikam
>
>
>
🤖 read: challan shared ✓ — “PFA challan for your reference..”
OL
The NOI teamTYPED IN GMAIL
24 Sep, 19:28 · 19d ago
24 Sep, 19:28 · 19d ago
Team,
PFA challan for your reference..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Thu, 24 Sept 2026 at 19:11, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:
earlier mails quoted below
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 <(809)%20724-4974>*
On Thu, 24 Sept 2026 at 18:59, Piyush Santosh Aher <piyush.aher@phfl.com>
wrote:
> Dear Team,
>
> Kindly process 0.3 & 0.5 Challan in below case.
>
> Customer Name
> DIGAMBAR GANPAT WAGHCHOURE
>
> Lan No
> HOU/NSK/0926/5219065
>
> Loan Amount 3150000
>
>
> LOAN AMOUNT 3150000
> 0.30% 9450
> 0.50% 15000
> FEES 1500
> DHC 300
> TOTAL 26,250
>
>
> *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 <+91%20253%20231%201672>
>
> Toll Free: 1800 120 8800
>
> Website-www.pnbhousing.com
>
> *PHFL Home Loans and Services Limited*
>
>
>
> ----- Forwarded Message -----
> ------------------------------
> From: Roshan Rajendra Nikam (roshan.nikam@phfl.com)
> Date: 24-09-2026 06:49 pm
> To: Piyush Santosh Aher (piyush.aher@phfl.com)
> Subject: Document from Roshan R Nikam
>
>
>
🤖 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 |
|---|---|---|---|
| MOTD | image002.jpg | filed | 19d ago |
| Sanction letter | Sanction letter - 2026-09-24T185255.701.pdf | filed | 19d ago |
| Other | image001.jpg | filed | 19d ago |
| PAN card+ Selfie / photo inside+ Aadhaar card inside+ Payment screenshot inside | DOC-20260924-WA0019.pdf | filed | 19d ago |
| Paid challan (GRAS) | DIGAMBAR GANPAT WAGHCHOURE EchallanMH010831649202627E.pdf | filed | 19d 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
₹26,280.49
₹26,280.49
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹26,250 450193660201
₹26,250 450193660201
Paid at
24 Sep 18:32:00
24 Sep 18:32:00
Verified on
24 Sep 19:00:11
24 Sep 19:00:11
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹9,460 | ₹15,000 | ₹320 | ₹1,500 | ₹26,280 |
By law ₹26,270. We ask ₹26,280 (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.
Property (must be perfect)
24 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Area, Area unit (Sq.mt. / Sq.ft.), Title deed held by the bank (Agreement to Sale / Sale Deed …) …
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, derived, or EzDocs was not sure: District, Taluka, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Building (with wing) …
✗ EzDocs found boxes that do NOT agree with the document (19d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
Sanction letter - 2026-09-24T185255.701.pdf
as printed
FLAT NO 103, 1ST FLOOR, NISARG AVENUE APARTMENT, PLOT NO 4, S NO 228/1, CTS NO 1604, PATHARDI, PATHARDI PHATA, NASHIK, PATHARDI NEAR EKTA GREEN VILLA ROAD, HOTEL EXPRESS IN BACK SIDE, NASHIK, MAHARASHTRA, INDIA, 422010
FLAT NO 103, 1ST FLOOR, NISARG AVENUE APARTMENT, PLOT NO 4, S NO 228/1, CTS NO 1604, PATHARDI, PATHARDI PHATA, NASHIK, PATHARDI NEAR EKTA GREEN VILLA ROAD, HOTEL EXPRESS IN BACK SIDE, NASHIK, MAHARASHTRA, INDIA, 422010
PIN
422010
422010
THE CHALLAN, as it will be typed
Flat/Survey Number
FLAT NO 103 1ST FLOOR NISARG AVENUE APARTMENT PLOT NO 4 S NO 228/1 CTS NO 1604
FLAT NO 103 1ST FLOOR NISARG AVENUE APARTMENT PLOT NO 4 S NO 228/1 CTS NO 1604
Locality/Road
PATHARDI PHATA PATHARDI NEAR EKTA GREEN VILLA ROAD HOTEL EXPRESS IN BACK SIDE
PATHARDI PHATA PATHARDI NEAR EKTA GREEN VILLA ROAD HOTEL EXPRESS IN BACK SIDE
Area/City
NASHIK
check or correct a box, the papers beside it →NASHIK
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 | DIGAMBAR GANPAT WAGHCHOURE | AGFPW4928G |
All mail records (for Abhijit — safe to ignore)
2 mail(s) written and held — read and send them on Draft mails.
| Template | To | When |
|---|---|---|
| fee quote | piyush.aher@phfl.com | 19d ago |
| acknowledgement | piyush.aher@phfl.com | 19d ago |
| Index II chase | piyush.aher@phfl.com | 18d ago |
| Index II chase | piyush.aher@phfl.com | 13d ago |
| Index II chase | piyush.aher@phfl.com | 10d ago |
| Index II chase | piyush.aher@phfl.com | 8d ago |
| Index II chase | piyush.aher@phfl.com | 5d ago |
What the engine read from each document — check anything marked in red
Sanction letter Sanction letter - 2026-09-24T185255.701.pdf needs your check
lan
HOU/NSK/0926/5219065
HOU/NSK/0926/5219065
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'DIGAMBAR GANPAT WAGHCHOURE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'BABLU GANPAT WAGHCHAURE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'VITABAI GANPAT WAGHCHURE', 'role': 'applicant',
{'name': 'DIGAMBAR GANPAT WAGHCHOURE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'BABLU GANPAT WAGHCHAURE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'VITABAI GANPAT WAGHCHURE', 'role': 'applicant',
confidence
1.0
1.0
loan amount
3000000.0
3000000.0
final amount
3150000.0
3150000.0
interest rate
8.3
8.3
sanction date
18-Sep-2026
18-Sep-2026
letter version
4
4
applicant email
waghchouredigambar@gmail.com
waghchouredigambar@gmail.com
applicant names
DIGAMBAR GANPAT WAGHCHOURE, BABLU GANPAT WAGHCHAURE, VITABAI GANPAT WAGHCHURE
DIGAMBAR GANPAT WAGHCHOURE, BABLU GANPAT WAGHCHAURE, VITABAI GANPAT WAGHCHURE
printed altered
False
False
applicant mobile
9145638387
9145638387
balance transfer
False
False
property address
pin: 422010; road: Pathardi Near Ekta Green Villa Road, Hotel Express In Back side; state: MAHARASHTRA; taluka: Pathardi; flat_no: 103; district: Nashik; floor_no: 1st Floor; full_address: Flat No 103, 1st Floor, Nisarg
pin: 422010; road: Pathardi Near Ekta Green Villa Road, Hotel Express In Back side; state: MAHARASHTRA; taluka: Pathardi; flat_no: 103; district: Nashik; floor_no: 1st Floor; full_address: Flat No 103, 1st Floor, Nisarg
insurance premium
150000.0
150000.0
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
3150000.0
3150000.0
security address verbatim
Flat No 103, 1st Floor, Nisarg Avenue Apartment, Plot No 4, S No 228/1, CTS No 1604, Pathardi, Pathardi Phata, Nashik, Pathardi Near Ekta Green Villa Road, Hotel Express In Back side, Nashik, MAHARASHTRA, India, 422010
Flat No 103, 1st Floor, Nisarg Avenue Apartment, Plot No 4, S No 228/1, CTS No 1604, Pathardi, Pathardi Phata, Nashik, Pathardi Near Ekta Green Villa Road, Hotel Express In Back side, Nashik, MAHARASHTRA, India, 422010
applicant address verbatim
GURAV GALLI, DADHEGAON, KOLIWADA NEAR DATTA MANDIR, PATHARDI GAON NASHIK, ., Nashik, MAHARASHTRA, 422010, India
GURAV GALLI, DADHEGAON, KOLIWADA NEAR DATTA MANDIR, PATHARDI GAON NASHIK, ., Nashik, MAHARASHTRA, 422010, India
raw reading (for Abhijit)
{'lan': 'HOU/NSK/0926/5219065', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'DIGAMBAR GANPAT WAGHCHOURE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'BABLU GANPAT WAGHCHAURE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'VITABAI GANPAT WAGHCHURE', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'handwritten': [], 'linked_refs': [], 'loan_amount': 3000000.0, 'final_amount': 3150000.0, 'interest_rate': 8.3, 'quality_issue': None, 'sanction_date': '18-Sep-2026', 'letter_version': '4', 'applicant_email': 'waghchouredigambar@gmail.com', 'applicant_names': ['DIGAMBAR GANPAT WAGHCHOURE', 'BABLU GANPAT WAGHCHAURE', 'VITABAI GANPAT WAGHCHURE'], 'printed_altered': False, 'applicant_mobile': '9145638387', 'balance_transfer': False, 'property_address': {'pin': '422010', 'road': 'Pathardi Near Ekta Green Villa Road, Hotel Express In Back side', 'state': 'MAHARASHTRA', 'taluka': 'Pathardi', 'flat_no': '103', 'district': 'Nashik', 'floor_no': '1st Floor', 'landmark': None, 'full_address': 'Flat No 103, 1st Floor, Nisarg Avenue Apartment, Plot No 4, S No 228/1, CTS No 1604, Pathardi, Pathardi Phata, Nashik, Pathardi Near Ekta Green Villa Road, Hotel Express In Back side, Nashik, MAHARASHTRA, India, 422010', 'village_city': 'Nashik', 'building_name': 'Nisarg Avenue Apartment', 'survey_or_cts_no': 'S No 228/1, CTS No 1604'}, 'insurance_premium': 150000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 3150000.0, 'security_address_verbatim': 'Flat No 103, 1st Floor, Nisarg Avenue Apartment, Plot No 4, S No 228/1, CTS No 1604, Pathardi, Pathardi Phata, Nashik, Pathardi Near Ekta Green Villa Road, Hotel Express In Back side, Nashik, MAHARASHTRA, India, 422010', 'applicant_address_verbatim': 'GURAV GALLI, DADHEGAON, KOLIWADA NEAR DATTA MANDIR, PATHARDI GAON NASHIK, ., Nashik, MAHARASHTRA, 422010, India'}Other image001.jpg needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}PAN card DOC-20260924-WA0019.pdf needs your check
dob
2000-12-02
2000-12-02
pan
AGFPW4928G
AGFPW4928G
legible
True
True
raw reading (for Abhijit)
{'dob': '2000-12-02', 'pan': 'AGFPW4928G', 'address': None, 'legible': True, 'quality_issue': None}PAN card DOC-20260924-WA0019.pdf needs your check
dob
2000-12-02
2000-12-02
pan
AGFPW4928G
AGFPW4928G
legible
True
True
raw reading (for Abhijit)
{'dob': '2000-12-02', 'pan': 'AGFPW4928G', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}PAN card DOC-20260924-WA0019.pdf needs your check
payments inside
payments: [{'utr': '450193660201', 'date': '2026-09-24', 'page': 4, 'time': '18:32', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 26250.0, 'direction': 'debit', 'narration': None, 'proof_kind': 'success_screen'}]
payments: [{'utr': '450193660201', 'date': '2026-09-24', 'page': 4, 'time': '18:32', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 26250.0, 'direction': 'debit', 'narration': None, 'proof_kind': 'success_screen'}]
raw reading (for Abhijit)
{'payments_inside': {'payments': [{'utr': '450193660201', 'date': '2026-09-24', 'page': 4, 'time': '18:32', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 26250.0, 'direction': 'debit', 'narration': None, 'proof_kind': 'success_screen'}]}}Paid challan (GRAS) DIGAMBAR GANPAT WAGHCHOURE EchallanMH010831649202627E.pdf needs your check
grn
MH010831649202627E
MH010831649202627E
pin
422010
422010
total
24460.0
24460.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026092401755
03006172026092401755
district
NASHIK
NASHIK
payer pan
AGFXXXXXXG
AGFXXXXXXG
flat block
FLAT NO 103 1ST FLOOR NISARG AVENUE APARTMENT PLOT NO 4 S NO 228/1 CTS NO 1604
FLAT NO 103 1ST FLOOR NISARG AVENUE APARTMENT PLOT NO 4 S NO 228/1 CTS NO 1604
payer name
DIGAMBAR GANPAT WAGHCHOURE
DIGAMBAR GANPAT WAGHCHOURE
sro office
NSK5_NASHIK 5 JOINT SUB REGISTRAR
NSK5_NASHIK 5 JOINT SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3150000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3150000
scheme rows
{'amount': 9460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 9460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX8387
XXXXXX8387
payment date
24/09/2026-19:26:15
24/09/2026-19:26:15
road locality
PATHARDI PATHARDI PHATA NEAR EKTA GREEN VILLA ROAD HOTEL EXPRESS IN BACK SIDE NASHIK
PATHARDI PATHARDI PHATA NEAR EKTA GREEN VILLA ROAD HOTEL EXPRESS IN BACK SIDE NASHIK
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
3150000
3150000
raw reading (for Abhijit)
{'grn': 'MH010831649202627E', 'pin': '422010', 'total': 24460.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026092401755', 'district': 'NASHIK', 'area_city': None, 'payer_pan': 'AGFXXXXXXG', 'flat_block': 'FLAT NO 103 1ST FLOOR NISARG AVENUE APARTMENT PLOT NO 4 S NO 228/1 CTS NO 1604', 'payer_name': 'DIGAMBAR GANPAT WAGHCHOURE', 'sro_office': 'NSK5_NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3150000', 'scheme_rows': [{'amount': 9460.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX8387', 'payment_date': '24/09/2026-19:26:15', 'road_locality': 'PATHARDI PATHARDI PHATA NEAR EKTA GREEN VILLA ROAD HOTEL EXPRESS IN BACK SIDE NASHIK', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '3150000'}Technical record (for Abhijit — safe to ignore)
| 0m ago | ezdocs:reader | reader_efiling_verdict | {'fp': '43c1261bb30e6329', 'asked': True, 'findings': [{'do': 'Ask the branch for the Memorandum of Deposit of Title Deeds (MOTD) or the mortgage deed to find the date of mortgage.', 'box': 'Date of Mortgage', 'why': 'Th |
| 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/0926/5219065) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In |
| 5d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 8d 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/0926/5219065) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In |
| 8d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 10d 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/0926/5219065) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In |
| 10d ago | system:emails | draft_withdrawn | {'why': 'the index2 chase makes it pointless — it would ask for what the case already has', 'count': 1, 'kinds': ['fee_quote']} |
| 10d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 2, 'kinds': ['index2_chase']} |
| 13d ago | ezdocs:reader | reader_home_address | {'fp': 'f2cfaa012073fc9a', 'from': 'the sanction letter (Sanction letter - 2026-09-24T185255.701.pdf)', 'home': {'pin': '422010', 'area': 'DADHEGAON, KOLIWADA NEAR DATTA MANDIR', 'road': 'GURAV GALLI', 'state': 'MAHARASH |
| 13d 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/0926/5219065) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In |
| 15d 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 AGxxxxxxXG — no paper on the |
| 15d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': '227699bede3bbf0a', 'docs': ['Sanction letter - 2026-09-24T185255.701.pdf', 'DOC-20260924-WA0019.pdf', 'image002.jpg'], 'loan': {'amount': 3150000, 'made_of': [{'what': 'Loan Amount', 'paper': 'Sanc |
| 16d ago | system:ingest | mail_read_as_shown | {'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy", |
| 16d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': '9d9200e3cf7ad447', 'docs': ['Sanction letter - 2026-09-24T185255.701.pdf', 'DOC-20260924-WA0019.pdf', 'image002.jpg'], 'loan': {'amount': 3150000, 'made_of': [{'what': 'Loan Amount', 'paper': 'sanc |
| 16d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': '9d9200e3cf7ad447', 'docs': ['Sanction letter - 2026-09-24T185255.701.pdf', 'DOC-20260924-WA0019.pdf', 'image002.jpg'], 'loan': {'amount': 3150000, 'made_of': [{'what': 'Loan Amount', 'paper': 'Sanc |
| 18d 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/0926/5219065) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n - In |
| 19d 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 |
| 19d ago | system:ingest | 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 |
| 19d ago | system:quick | desk_documents_backfill | {'why': "the NOI team mailed this before the engine kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 0, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re: |
| 19d 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 |
| 19d 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': 'DIGAMBAR GANPAT WAGHCHOURE EchallanMH010831649202627E.pdf', ' |
| 19d 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': 'DIGAMBAR GANPAT WAG |
| 19d 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'} |
| 19d ago | system:extract | challan_verified_against_case | {'grn': 'MH010831649202627E', 'file': 'DIGAMBAR GANPAT WAGHCHOURE EchallanMH010831649202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 19d ago | system:extract | challan_extracted | {'grn': 'MH010831649202627E', 'file': 'DIGAMBAR GANPAT WAGHCHOURE EchallanMH010831649202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 24460.0} |
| 19d ago | copilot | copilot_check_ok | {'why': 'the reader audited what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 14, 'differs': []} |
| 19d ago | copilot | copilot_pick | {'why': "The source text mentions 'Pathardi' multiple times, but it appears to be a locality or area within Nashik city, not a taluka. None of the provided options for talukas include 'Pathardi'. The options a", 'field': |
| 19d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': 'b7e3d748c4e29f0a', 'docs': ['Sanction letter - 2026-09-24T185255.701.pdf', 'DOC-20260924-WA0019.pdf', 'image002.jpg'], 'loan': {'amount': 3150000, 'made_of': [{'what': 'Loan Amount', 'paper': 'Sanc |
| 19d ago | system:extract | challan_boxes_composed | {'fp': '60c3c4418843be4e', 'why': "the reader wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'FLAT NO 103 1ST FLOOR NISARG AVENUE APARTMENT |
| 19d ago | ezdocs:reader | reader_home_address | {'fp': 'd43ec67dbf8e8ba4', 'from': 'the sanction letter (Sanction letter - 2026-09-24T185255.701.pdf)', 'home': {'pin': '422010', 'area': 'KOLIWADA NEAR DATTA MANDIR', 'road': 'GURAV GALLI', 'state': 'MAHARASHTRA', 'dist |
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
₹26,250 received — verified
Seen in the account (credit SMS or a person's Verify).
Challan & filing
Challan paid
The challan is paid; the filing is under way.
Next — whose move
Us
file on the IGR site
Needs your eyes: GPay ₹26,250 announced at 13:03 has not settled into the PNB account (due 17:03). Paste PNB statement (SMS page) or Check Settlements in GPay Business.
Today · 14 Oct1 thing
reader efiling verdict — by ezdocs:reader
8 Oct2 things — 1 letter written · 1 step
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02407 | HOU/NSK/0926/5219065
An old draft withdrew itself — its asks were already answered
5 Oct2 things — 1 letter written · 1 step
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02407 | HOU/NSK/0926/5219065
An old draft withdrew itself — its asks were already answered
3 Oct3 things — 1 letter written · 2 steps
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02407 | HOU/NSK/0926/5219065
An old draft withdrew itself — its asks were already answered
An old draft withdrew itself — its asks were already answered
30 Sep2 things — 1 letter written · 1 step
The home address was read off the papers — by ezdocs:reader
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02407 | HOU/NSK/0926/5219065
28 Sep1 thing — 1 step
case read — by ezdocs:reader
27 Sep3 things — 3 steps
mail read as shown
case read — by ezdocs:reader
case read — by ezdocs:reader
25 Sep1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-02407 | HOU/NSK/0926/5219065
24 Sep45 things — 5 documents received · 4 letters written · 1 money step · 1 caution · 34 steps
gpay not settled yet
EzDocs read the whole trail as one conversation — where the case stands is on the page
desk documents backfill
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
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
DIGAMBAR GANPAT WAGHCHOURE EchallanMH010831649202627E.pdf
copilot check ok — by copilot
copilot pick — by copilot
case read — by ezdocs:reader
challan boxes composed
The home address was read off the papers — by ezdocs:reader
reader mail addition — by ezdocs:reader
quoted history checked
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
property self check
boxes gathered
address compared
challan boxes by rules
case read — by ezdocs:reader
documents read together
Payment to our account found INSIDE a file (a statement / a receipt in a bundle) — recorded as the branch's payment proof; the bank credit still decides
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-2026-02407
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-02407
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
screenshot claim recorded
PAN found inside the KYC file — no need to ask for it
The branch's own fee working disagrees with the law
money settled — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
Received: PAN card
DOC-20260924-WA0019.pdf
mortgage date unclear
Received: other
image001.jpg
Received: Sanction letter
Sanction letter - 2026-09-24T185255.701.pdf
Received: MOTD
image002.jpg
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
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