⚠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.
Sujal Panjwani
LAN MH/PCM/PCMC/A000001029Loan ₹39,39,000NOISee the approvalMails & papers 11 1 draft to send
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
9 Oct, 10:37
Documents
Payment
done 9 Oct, 10:38
Challan
took 1h 32m · GRAS ↗
Filing
waiting 4d 11h · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
their moveWith bank to approvewhole case so far 4d 13h
Needs your eyes2
GPay ₹28,750 announced at 11:14 has not settled into the PNB account (due 15:14). Paste PNB statement (SMS page) or Check Settlements in GPay Business.
4 difference(s) between the papers to look at once — none stops the challan. See them →
NEXT STEPwaiting on the branch
Waiting for the bank to approve the draft
Sammaan and Hinduja approve before we submit. See all approvals.
Historywhat happened on this case, newest first
9 Oct142 things
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
dhc prn read
efiling copy read
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9990910260307.pdf
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
address compared
documents read together
cards read
index2 docno read
dhc prn read
efiling copy read
The draft e-filing copy went to the bank — waiting for its approval
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
SUJAL Capture.GIF
copilot check ok — by copilot
form checked489
copilot edit — by copilot:ANJU
copilot check issues — by copilot
form checked489
copilot pick — by copilot
copilot pick — by copilot
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
copilot edit — by copilot:ANJU
copilot check ok — by copilot
form checked489
efiling token from portal — by copilot
kyc address missing
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
address compared
documents read together
roles from letter
Co-applicant added
party not merged
Document could not be read — a clear copy was asked for
this is a photograph of a printed photo, not a live selfie
Received: PAN card
WhatsApp Image 2026-10-09 at 12.34.01 PM.jpeg
Received: Selfie — not usable
WhatsApp Image 2026-10-09 at 12.34.01 PM (1).jpeg — this is a photograph of a printed photo, not a live selfie
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
desk documents backfill
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
SUJAL RAJKUMAR PANJWANI EchallanMH011675174202627E.pdf
copilot edit — by copilot:DARBAR
file note490
mail against file490 — by ezdocs:reader
half read mail reread
documents read together
copilot check issues — by copilot
form checked489
reading boxes not the papers words — by copilot
challan boxes by rules
reader mail addition — by ezdocs:reader
file note490
mail against file490 — by ezdocs:reader
documents read together
quoted history checked
gpay not settled yet
extra challan scanned
kyc address missing
The home address was read off the papers — by ezdocs:reader
cards read
file note490
case read — by ezdocs:reader
boxes gathered
address compared
challan boxes by rules
box disagreement
box disagreement
box disagreement
box disagreement
pages trimmed480
property self check
property from index2
index2 people checked
index2 pan differs
property numbers completed
documents read together
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
card name not read454
Received: Aadhaar
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
Co-applicant added
party not merged
Received: Aadhaar
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
screenshot claim recorded
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-2026-03323
No fee quote sent — the branch's own figures were right
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
Received: Payment screenshot
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
property self check
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: PAN card
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
money settled — by ezdocs:reader
property from index2
index2 people checked
property english extracted
kyc address read
case read started — by ezdocs:reader
Property address read from the sanction letter
roles from letter
Property read from the Index II
index2 people checked
Index II (title document) received from the branch
Received: Aadhaar
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
Received: other
1762753864453002_1278234995.png
card mobile not taken
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Sanction letter
SANCTION_202033MHPCMPCMCA000001029792026194744Sanction (2).PDF
Received: Selfie
WhatsApp Image 2026-10-09 at 10.32.30 AM.jpeg
Received: Index II
WhatsApp Image 2026-10-09 at 10.28.08 AM.jpeg
Received: Aadhaar
WhatsApp Unknown 2026-10-09 at 10.29.06 AM.zip/WhatsApp Image 2026-10-09 at 10.2
Received: other
1762753864470005_1278234995.png
A zip / Word / Excel file was opened — every picture and PDF inside is read as a document of its own
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needsall in
9 of 9 in hand · the challan is done — these are for the filing / KYC
✓Aadhaar cardopen
✓Selfie / photoopen
✓Sanction letteropen
✓PAN cardopen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 17 files
The file, as the engine remembers it19 open
File is complete for challan and e-filing. Loan amount is Rs. 39,39,000. Borrower is Sujal Rajkumar Panjwani. Property is Flat No. 3, Stilt Floor, B Building, Dharma Apartment, Pimpri Waghere, Pune.
✗the photo could not be read (WhatsApp Image 2026-10-09 at 12.34.01 PM (1).jpeg) — the branch — this is a photograph of a printed photo, not a live selfie
○Sujal Rajkumar Panjwani — e-mail — the branch
○Ganga Rajkumar Panjawani — PAN — the branch
○Ganga Rajkumar Panjawani — date of birth — the branch
○Ganga Rajkumar Panjawani — mobile — the branch
○Ganga Rajkumar Panjawani — e-mail — the branch
○Ganga Rajkumar Panjawani — home building — the branch
○Ganga Rajkumar Panjawani — home flat — the branch
○Ganga Rajkumar Panjawani — home road — the branch
○Ganga Rajkumar Panjawani — home PIN — the branch
… and 9 more
the branch's last mail (2026-10-09): The branch asks for the index II.
read once, kept; every new mail and paper is read against this note · kept 2026-10-09T10:30 UTC
Moneyall of it is in
₹28,750.39
Reached our account 8 Oct 16:44:00.
How we know
Our own bank told us — 8 Oct 16:44
₹28,750 · from GPAY-BIZ
“₹28,750.00 received from Sujal p at 4:44 PM The amount will be sent to your bank account.”
Matched by: AMOUNT ALONE — a little under our ask, inside our buffer · the payer is the applicant himself — his own fee
The working
Stamp duty 0.3%11,830
Registration fee 0.5%15,000
Government handling320
Our service fee1,600
Total we ask for28,750.39
By law ₹28,747. We ask ₹28,750 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Propertyby the engine, from the Index II
3/B, Stilt (Above Parking), Dharma Apartment, B Building, SURVEY, 224/6, 224/7, Pimpri Waghere, 411017
read from the Index II · e-filing boxes 46 of 58 ready
Check the property →the boxes beside the paper
People
GANGABAI RAJKUMAR PANJWANI · co-applicantCFUPP1181CSujal Rajkumar Panjwani · applicantHWGPP5855MGanga Rajkumar Panjawani · co-applicant…5579
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