VISHAL VILAS KADAM
everything the challan needs, and where each one stands
why?
why?
The money may already be here — 1 credit(s) our bank showed us that no case has taken
Day by day — every step and who held it
Next step
Make the challan — after these are in
This case stands at the challan step, but not everything is in: the branch payment is not verified yet. Clear those first — chase drafts wait on Draft mails. The five steps, ready for when everything is clear:
- Open GRAS for this case — the co-pilot walks the menu (Inspector General of Registration → Pay Without Registration → Citizen → Make Payment to Register Your Document → Pay Stamp Duty & Registration Fee Together) and stops on the challan form.
- The form fills itself with NOI-2026-01135 — nothing to type. Green boxes are filled; orange ones want your eyes. (If a link is not where the co-pilot expects, it says so — click that one step yourself and it carries on.) See the challan exactly as it will be typed, the papers beside it →
- Check the figures match these:GRAS will ask exactly: Stamp Duty ₹6,870 + Registration Fee ₹11,450 = ₹18,320 (also on the Calculator)
- Solve the captcha, press Proceed, and pay by the NOI team's netbanking. (The captcha and the money are always yours, never EzDocs'.)
- Download the challan PDF and drop it here — EzDocs reads the GRN, re-checks every figure and name on it, and writes the bank mail (held on Draft mails for your Send):
Where this case stands — the whole trailread by EzDocs as one conversation
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
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). EzDocs 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.
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”.
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.
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 |
|---|---|---|---|---|
| no filing yet |
Fix something every change is recorded with 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 EzDocs 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 →
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 paper03 Sep, 12:16 · 42d ago THE FIRST MAIL — how this case began
Please find attached documents and payment receipt for 0.30% & NOI PAYMENT of- VISHAL VILAS KADAM
- NHL/NAV/0726/5182345
03 Sep, 12:35 · 42d ago
Dear team Kindly ignore this email allready challan is recieved Thanks and regards
earlier mails quoted below
Every file the branch sent, and what EzDocs 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 |
|---|---|---|---|
| Sanction letter+ Index II inside+ Selfie / photo inside+ Aadhaar card inside+ PAN card inside+ Payment screenshot inside | vishal kadam(1).pdf | filed | 42d ago |
| Other | image002.jpg | filed | 42d ago |
| Other | image001.png | filed | 42d 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
₹20,140
waiting for the credit
₹20,105 781145066028
why?
—
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹6,870 | ₹11,450 | ₹320 | ₹1,500 | ₹20,140 |
why?
Property (must be perfect)
The property, paper by paper side by side, the main paper first
APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, KOPARKHAIRANE NAVI MUMBAI, THANE, SECTOR NO 4, THANE, MAHARASHTRA, INDIA, 400709
400709
FLAT NO 529/4
PLOT NO 6 SS A KOPERKHAIRANE
THANE
Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| mortgagor | VISHAL VILAS KADAM | DSEPK3698K |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| fee quote | kavita.tambe@pnbhousing.com | 42d ago |
| documents acknowledged | pritam.bhanage@phfl.com | 31d ago |
| acknowledgement | pritam.bhanage@phfl.com | 18d ago |
What EzDocs read from each document — check anything marked in red
NHL/NAV/0726/5182345
True
Non Housing Loan, Personal use
1
2200000
9.5
05-Aug-2026
4
VISHAL VILAS KADAM, VILAS RAMCHANDRA KADAM
8286997483
pin: 400709; road: PLOT NO 6; state: MAHARASHTRA; Flat no: SS-II A/529; district: Thane; Floor: GROUND FLOOR; Address: APARTMENT NO SS-II A/529, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, PLOT NO 6, KOPARKHAIRANE
88000
True
2288000
APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, KOPARKHAIRANE NAVI MUMBAI, Thane, SECTOR NO 4, Thane, MAHARASHTRA, India, 400709
raw reading (for Abhijit)
{'lan': 'NHL/NAV/0726/5182345', 'legible': True, 'loan_type': 'Non Housing Loan, Personal use', 'confidence': 1, 'loan_amount': 2200000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '05-Aug-2026', 'letter_version': '4', 'applicant_names': ['VISHAL VILAS KADAM', 'VILAS RAMCHANDRA KADAM'], 'applicant_mobile': '8286997483', 'property_address': {'pin': '400709', 'road': 'PLOT NO 6', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'SS-II A/529', 'district': 'Thane', 'floor_no': 'GROUND FLOOR', 'landmark': None, 'full_address': 'APARTMENT NO SS-II A/529, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, PLOT NO 6, KOPARKHAIRANE NAVI MUMBAI, SECTOR NO 4, Thane, MAHARASHTRA, 400709', 'village_city': 'KOPARKHAIRANE NAVI MUMBAI', 'building_name': 'SADGURU OWNERS ASSOCIATION', 'survey_or_cts_no': 'SECTOR NO 4'}, 'insurance_premium': 88000, 'includes_insurance': True, 'total_with_insurance': 2288000, 'security_address_verbatim': 'APARTMENT NO SS-II A/529, PLOT NO 6, GROUND FLOOR, SADGURU OWNERS ASSOCIATION, KOPARKHAIRANE NAVI MUMBAI, Thane, SECTOR NO 4, Thane, MAHARASHTRA, India, 400709'}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}}payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': None, 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}bank: ICICI Bank; kind: payment_screenshot; payments: [{'utr': '781145066028', 'date': '2026-08-20', 'page': 5, 'time': '20:20', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 20105.0, 'direction': 'debit', 'narratio
5046/2005
read again off the letter's pages (page 3, To block)
SS-2/A, Room no-529, Sector-4 Navi Mumbai, VTC: Kopar Khaine S.O, District: Thane, State: Maharashtra, PIN Code: 400709
raw reading (for Abhijit)
{'payments_inside': {'bank': 'ICICI Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '781145066028', 'date': '2026-08-20', 'page': 5, 'time': '20:20', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 20105.0, 'direction': 'debit', 'narration': 'Government & Vendor charges', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '02', 'account_holder': 'Vishal Vilas Kadam'}, 'header_doc_number': '5046/2005', 'applicant_address_from462': "read again off the letter's pages (page 3, To block)", 'applicant_address_verbatim': 'SS-2/A, Room no-529, Sector-4 Navi Mumbai, VTC: Kopar Khaine S.O, District: Thane, State: Maharashtra, PIN Code: 400709'}Technical record (for Abhijit — safe to ignore)
| 44m ago | EzDocs | reader_efiling_verdict | {'fp': '344384da973e7e4c', 'asked': True, 'findings': [{'do': 'Ask the branch for the MOTD or the mortgage date.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is a required field and is missing.', 'page': 'St |
| 45m ago | EzDocs | challan_boxes_composed | {'fp': '1a1ec0ee22748f35', '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 529/4', 'box2': 'PLOT NO |
| 2h ago | EzDocs | reader_mail_addition | {'fp': '7d27d4143e49f361', 'add': {}, 'why': 'The paper states the district as THANE, while the mail implies NAVI MUMBAI as the district by providing a branch address in NAVI MUMBAI.', 'asked': True, 'quote': '', 'same_p |
| 2h ago | EzDocs | reader_home_address | {'fp': '2a3356468087e147', 'from': 'the sanction letter (vishal kadam(1).pdf)', 'home': {'pin': '400709', 'area': 'SECTOR-4 NAVI MUMBAI', 'flat': 'ROOM NO-529', 'state': 'MAHARASHTRA', 'building': 'SS-2/A', 'district': ' |
| 16d ago | EzDocs | letter_home_read462 | {'fp': 'doc:de603a55-109d-4773-b596-e078c75406a7', 'why': "the letter prints the customer's address — written into its reading; the Mortgagor page takes it", 'file': 'vishal kadam(1).pdf', 'asked': True, 'found': True, ' |
| 18d ago | EzDocs | credit_moved_away | {'why': "the ₹20,200 credit that had verified this case on the amount alone belongs to NOI-2026-02579 — its screenshot names the very amount on this road. This case is back to awaiting; if the branch was told 'payment re |
| 18d ago | EzDocs | match_undone | {'ref': '136512082501', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 20200.0, 'reason': "a stronger claim: NOI- |
| 18d ago | EzDocs | credit_on_another_case | {'how': 'utr', 'utr': '136512082501', 'why': 'NOI-2026-02579 has a receipt naming this same credit (the same UTR) — a person must say whose money it is', 'amount': 20200, 'other_case': 'NOI-2026-02579'} |
| 18d ago | EzDocs | vyapar_twin | {'ref': '136512082501', 'why': 'HDFC speaks twice for one Vyapar payment — the app alert and the bank SMS. One credit, with the RRN on it.', 'kept': 'f2623225-bec1-44f4-961a-7adcc2a99799', 'twin': '8207bcc8-d9f6-4209-b94 |
| 18d ago | EzDocs | case_reevaluated | {'stage_after': 'CHALLAN_PENDING'} |
| 18d ago | EzDocs | challan_queue_entered | {'why': 'challan-visit documents complete and payment verified'} |
| 18d ago | EzDocs | case_acknowledged_challan_queued | {'utr': '781145066028', 'fee_total': 20140} |
| 18d ago | EzDocs | email_shadowed:ack | {'to': 'pritam.bhanage@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 : VISHAL VILAS KADAM\n LAN |
| 18d ago | EzDocs | payment_verified | {'utr': '781145066028', 'why': "paid ₹20,200, ₹60 MORE than our ask of ₹20,140 — the branch's own working; paid in full, nothing to chase (the excess stays on record)", 'delta': 60.0, 'method': 'amount_over_small+payee_r |
| 18d ago | EzDocs | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': [], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, 's |
| 19d ago | EzDocs | index2_docno_read | {'why': "the title deed box takes the page's OWN number, as its header prints it — never a number it quotes for an earlier sale", 'file': 'vishal kadam(1).pdf', 'doc_id': 'de603a55-109d-4773-b596-e078c75406a7', 'header_s |
| 29d ago | EzDocs | hidden_payment_scan | {'file': 'vishal kadam(1).pdf', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': 'de603a55-109d-4773-b596-e078c75406a7', 'fetched': True} |
| 29d ago | EzDocs | payment_found_in_statement | {'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'vishal kadam(1).pdf |
| 29d ago | EzDocs | screenshot_claim_recorded | {'utr': '781145066028', 'date': '2026-08-20', 'parts': 1, 'amount': 20105.0, 'claimed_total': 20105.0} |
| 29d ago | EzDocs | hidden_payment_scan | {'file': 'image002.jpg', 'kind': None, 'found': 0, 'doc_id': 'f2ca1408-396d-4838-ae9d-7ee71eaed8d6', 'fetched': True} |
| 29d ago | EzDocs | hidden_payment_scan | {'file': 'image001.png', 'kind': 'other', 'found': 0, 'doc_id': 'ed95ac48-0407-4ccf-a1ba-713d685901e6', 'fetched': True} |
| 30d ago | EzDocs | trail_read | {'why': 'the model 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_ |
| 31d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'quick sweep', 'docs': ['vishal kadam(1).pdf'], 'notes': None, 'filled': {'home.pin#1': {'src': 'index2', 'conf': 0.98, 'page': 3, 'value': '400709'}, 'home.area#1': {'src': 'index2', 'conf': 0.9, ' |
| 31d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'box': 'Road', 'why': "The typed r |
| 31d ago | EzDocs | property_from_index2 | {'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'vishal kadam(1).pdf', 'changed': {'Flat no': {'was': 'SS-II A/529', 'index |
| 31d ago | EzDocs | index2_people_checked | {'doc_id': 'de603a55-109d-4773-b596-e078c75406a7', 'differs': 0, 'matched': [], 'not_on_case': 1} |
| 31d ago | EzDocs | index2_extra_purchaser | {'why': "the Index II names a purchaser the case does not know — a co-owner whose KYC never came (every owner is a mortgagor on the filing), or the wrong person's KYC on the case", 'doc_id': 'de603a55-109d-4773-b596-e078 |
| 31d ago | EzDocs | property_self_check | {'ok': True, 'why': "EzDocs checked every property box against the document's own words — all agree", 'notes': '', 'issues': [], 'method': 'ai', 'checked': 9, 'trigger': 'quick sweep'} |
| 31d ago | EzDocs | email_shadowed:ack_docs | {'to': 'pritam.bhanage@phfl.com', 'body': "Dear Team,\n\nWe acknowledge receipt of your documents for the captioned case (LAN: NHL/NAV/0726/5182345).\n\n Applicant : VISHAL VILAS KADAM\n LAN : NHL/NAV/0726/518234 |
| 31d ago | EzDocs | acknowledged_with_advice | {'why': "documents complete and the branch's payment advice is in hand — the credit is being confirmed on our side; the branch owes nothing meanwhile", 'claimed': None} |