⚠The PNB mailbox has used 196% of what Google lets it send in 24 hours (979 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
Cases / NOI-2026-03297
KISHORE PUNJAJI SHIRSAT
LAN NHL/GHKP/0526/5088565
Index II pending · with the government
All documentsMails & papers 8Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).
What the e-filing still needs2 still to come
8 of 10 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a printed photo, not a live selfie)open
✓Sale deedopen
✓Sanction letteropen
✓PAN cardopen
✓Paid challan (GRAS)open
✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)
Applicant's Selfie / Photo — for the e-filing visit later
All files (10)A label is wrong? Fix it under All documents.
For you to check
- The work is done — our fee of ₹19,550.84 is still not in our account. Chase the branch for it.
- Selfie / photo: copy on file cannot be used. A usable one is being asked for.
MoneyWaiting for the credit
₹19,550.84CASE MARK
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹19,530; we wait for the credit itself
Ask for the exact ₹19,550.84. Those paise are this case’s own mark — the credit finds its case with nothing else needed.
Stamp duty 0.3%6,650
Registration fee 0.5%11,080
Government handling320
Our service fee1,500.84
Total we ask for19,550.84
Screenshot ₹19,530 — ₹21 under our ask, not below the real calculation ₹19,516. Counts as full. Nothing to ask.
why?
The branch paid the statutory-exact figure (our ₹10 round-ups are the buffer). Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
This payment is from the Vyapar QR (HDFC) at 2026-05-31 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓
This money went to the HDFC Vyapar QR on the Samsung (ThinkBigz). That ear is working (last reached us 14 Oct 19:41 — 19 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
By law ₹19,536. We ask ₹19,550 (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.
The money may already be here — 1 credit(s) our bank showed us that no case has taken
Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 9 h 18 minour time · 1 Jun 18:47
Index II —not yet
the NOI team 13 h 48 minthe branch 128 d 21 hthe SRO 6 d 23 htotal 136 d 10 h so far
Now with the SRO — waiting for the SRO's Index II
since 8 Oct 15:59 — 6 d 23 h of working time
Day by day — every step and who held it
1 Jun 04:59Your branch's mail
1 Jun 18:47Challan made+13 h 48 min · the NOI team
8 Oct 15:57Papers from your branch+128 d 21 h · the branch
8 Oct 15:57Papers readat once
8 Oct 15:57Papers from your branchat once
8 Oct 15:57Papers readat once
8 Oct 15:57Papers from your branchat once
8 Oct 15:57Papers readat once
8 Oct 15:57Papers from your branchat once
8 Oct 15:57Papers readat once
8 Oct 15:57Papers from your branchat once
8 Oct 15:57Papers readat once
8 Oct 15:58Property readat once
8 Oct 15:58Papers from your branchat once
8 Oct 15:58Papers readat once
8 Oct 15:58Fee quotedat once
8 Oct 15:58Papers from your branchat once
8 Oct 15:58Papers readat once
8 Oct 15:59Papers from your branch+1 min · the branch
Case facts
Bank
PNB_HFL
Loan amount
₹22,14,500
Loan account no.
NHL/GHKP/0526/5088565
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
Next step
Send the Index II when it arrives
The e-filing copy is with the branch. This case closes when the government's Index II is shared.
Where this case stands — the whole trailread by EzDocs as one conversation
The branch has provided the required colour selfie photos. The team is now waiting for the fee to be paid.
the history says the next move is with the NOI team — the fee
✓ loan papers sent — done, mail 1 (2026-10-08) “colour selfie photos Attached”
read over 1 mail(s), last mail 2026-10-08 · read 6d 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). 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.
✗ 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 branch
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 | MH003598975202627E | — | 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 EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.
No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →
The conversation, word for word — attachments open on click. Mail thread, oldest first.
This thread was already running before the app started — the mails below are the part the app has read; earlier mails are on Gmail. The oldest here is where the app joined, NOT where the case began. Search on the Cases page finds any words written below.
📑 Open mails & papers — each mail beside its papers, ← → the next paper
OL
The NOI teamTYPED IN GMAIL
12 Sep, 12:28 · 33d ago THE APP JOINED HERE — earlier mails are on Gmail
12 Sep, 12:28 · 33d ago THE APP JOINED HERE — earlier mails are on Gmail
Re: Re[2]: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Team,
For noi filing we needcolour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: asks the branch for documents — “For noi filing we need colour selfie photos of applicants.”
5 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
03 Oct, 14:11 · 12d ago
03 Oct, 14:11 · 12d ago
Team,
For noi filing we needcolour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: asks the branch for documents — “For noi filing we need colour selfie photos of applicants.”
OL
The NOI teamTYPED IN GMAIL
05 Oct, 14:28 · 10d ago
05 Oct, 14:28 · 10d ago
Team,
For noi filing we needcolour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Sat, 3 Oct 2026 at 14:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: asks the branch for documents — “For noi filing we need colour selfie photos of applicants.”
OL
The NOI teamTYPED IN GMAIL
06 Oct, 14:23 · 9d ago
06 Oct, 14:23 · 9d ago
Team,
For noi filing we needcolour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Mon, 5 Oct 2026 at 14:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 14:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: asks the branch for documents — “For noi filing we need colour selfie photos of applicants.”
OL
The NOI teamTYPED IN GMAIL
08 Oct, 13:57 · 7d ago
08 Oct, 13:57 · 7d ago
Team,
For noi filing we needcolour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Tue, 6 Oct 2026 at 14:23, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 5 Oct 2026 at 14:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 14:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: asks the branch for documents — “For noi filing we need colour selfie photos of applicants.”
HG
harshal.ghorpade@phfl.com phfl.com
08 Oct, 15:59 · 6d ago
08 Oct, 15:59 · 6d ago
Re[4]: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Dear team,
colour selfie photos✓ Attached
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
earlier mails quoted below
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 10/08/26 13:58
To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Cc: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com), Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Suraj Deshpande (suraj.deshpande@pnbhousing.com)
Subject: Re: Re[2]: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Tue, 6 Oct 2026 at 14:23, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 5 Oct 2026 at 14:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 14:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: documents attached — “For noi filing we need colour selfie photos of applicants.”
OL
The NOI teamTYPED IN GMAIL
08 Oct, 17:26 · 6d ago
08 Oct, 17:26 · 6d ago
Team
we will process the NOI for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Thu, 8 Oct 2026 at 15:52, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear team,
colour selfie photos Attached
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 10/08/26 13:58
To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Cc: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com), Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Suraj Deshpande (suraj.deshpande@pnbhousing.com)
Subject: Re: Re[2]: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 6 Oct 2026 at 14:23, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 5 Oct 2026 at 14:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 14:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: The team will process the NOI.
OL
The NOI teamTYPED IN GMAIL
10 Oct, 12:32 · 5d ago
10 Oct, 12:32 · 5d ago
TEAM,
PFA: Downloaded e-filing for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Thu, 8 Oct 2026 at 17:26, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
we will process the NOI for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Thu, 8 Oct 2026 at 15:52, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear team,
colour selfie photos Attached
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 10/08/26 13:58
To: Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Cc: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com), Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Suraj Deshpande (suraj.deshpande@pnbhousing.com)
Subject: Re: Re[2]: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Tue, 6 Oct 2026 at 14:23, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 5 Oct 2026 at 14:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 3 Oct 2026 at 14:11, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 12 Sept 2026 at 12:28, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 21 Aug 2026 at 16:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Sat, 25 Jul 2026 at 17:31, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
For noi filing we need colour selfie photos of applicants.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 20 Jul 2026 at 16:16, Harshal Hanamant Ghorpade < harshal.ghorpade@phfl.com > wrote:
Dear Vishal,
Need color selfie photos for the same.
\
Thanks & Regards,
Harshal Hanamant Ghorpade
Branch Operation Executive
PNB Housing Finance Ltd,
601-602, Sixth Floor, Presidential Plaza,
L.B.S, Opp. R City Mall, Ghatkopar(West),
Mumbai Maharashtra – 400086
Toll Free: 022-49788047
Website : www.pnbhousing.com
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 06/01/26 18:54
To: Vishal Lalbahadur Kanojia (vishal.kanojia@phfl.com)
Cc: Anu Mali (anu.mali@pnbhousing.com), Shekhar More (shekhar.more@pnbhousing.com), Harshal Hanamant Ghorpade (harshal.ghorpade@phfl.com)
Subject: Re: NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 1 Jun 2026 at 05:05, Vishal Lalbahadur Kanojia < vishal.kanojia@phfl.com > wrote:
Kindly initiate NOI MTR Challan in mentioned case Mr. KISHORE PUNJAJI SHIRSAT NHL/GHKP/0526/5088565
Thanks & Regards,
VISHAL KANOJIA ?
Channel Manager – Ghatkopar Branch.
PHFL Home Loans And Services Limited.
(A Wholly Owned Subsidiary of PNB Housing Finance Limited).
Mobile - 9702374474
Toll Free : 1800 120 8800
Web Site : www.pnbhousing.com
🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference..”
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 |
|---|---|---|---|
| Payment screenshot | 129056.jpg | filed | 6d ago |
| Selfie / photo | 129055.jpg | CANNOT BE READ — clear copy asked | 6d ago |
| Selfie / photo | 129057.jpg | CANNOT BE READ — clear copy asked | 6d ago |
| Sale deed+ Index II inside | SHIRSAT TECH (1).pdf | filed | 6d ago |
| Sanction letter | SANCTION LETTER.pdf | filed | 6d ago |
| PAN card+ Aadhaar card inside | KYC.pdf | filed | 6d ago |
| Other | image003.jpg | filed | 6d ago |
| Paid challan (GRAS) | KISHORE PUNJAJI SHIRSAT EchallanMH003598975202627E.pdf | filed | 6d ago |
| Selfie / photo | 309648.jpg | CANNOT BE READ — clear copy asked | 6d ago |
| Selfie / photo | 309649.jpg | CANNOT BE READ — clear copy asked | 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
₹19,550.84
₹19,550.84
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
₹19,530 124007102000
₹19,530 124007102000
Screenshot ₹19,530 — ₹21 under our ask, not below the real calculation ₹19,516. Counts as full. Nothing to ask.
why?
The branch paid the statutory-exact figure (our ₹10 round-ups are the buffer). Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.
This payment is from the Vyapar QR (HDFC) at 2026-05-31 — EzDocs cannot hear this road. Please verify manually. Verify manually ↓
Paid at
—
—
Verified on
not yet
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹6,650 | ₹11,080 | ₹320 | ₹1,500 | ₹19,550 |
By law ₹19,536. We ask ₹19,550 (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)
28 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Property type (Open / Building / Open + Building), Title deed held by the bank (Agreement to Sale / Sale Deed …), Floor (person 1)
14 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, House type (Niwasi Sadanika / Shop / Gala …), Building (person 1), Floor (person 1), Flat / house no (person 1) …
✗ EzDocs found boxes that do NOT agree with the document (6d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
SANCTION LETTER.pdf
as printed
SHOP NO. 3, GROUND FLOOR, JAINAM RATNA CHSL, PLOT NO. 62, SECTOR NO. 21, VILLAGE ULWE, ULWE, NAVI MUMBAI, URAN, NEAR CIDCO HOSPITAL, SWAMINARAYAN ROAD, ., MAHARASHTRA, INDIA, 410206
SHOP NO. 3, GROUND FLOOR, JAINAM RATNA CHSL, PLOT NO. 62, SECTOR NO. 21, VILLAGE ULWE, ULWE, NAVI MUMBAI, URAN, NEAR CIDCO HOSPITAL, SWAMINARAYAN ROAD, ., MAHARASHTRA, INDIA, 410206
PIN
410206
410206
THE CHALLAN, as it will be typed
Flat/Survey Number
SHOP NO 3 GROUND FLOOR JAINAM RATNA CHSL PLOT NO 62 SECTOR NO 21 VILLAGE ULWE ULWE NAVI MUMBAI URAN
SHOP NO 3 GROUND FLOOR JAINAM RATNA CHSL PLOT NO 62 SECTOR NO 21 VILLAGE ULWE ULWE NAVI MUMBAI URAN
Locality/Road
NEAR CIDCO HOSPITAL SWAMINARAYAN ROAD MAHARASHTRA
NEAR CIDCO HOSPITAL SWAMINARAYAN ROAD MAHARASHTRA
Area/City
MAHARASHTRA
check or correct a box, the papers beside it →MAHARASHTRA
Every paper prints the same words as the main paper.
Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main 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 | KISHORE PUNJAJI SHIRSAT | ALJPS3481K |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| documents acknowledged | harshal.ghorpade@phfl.com | 6d ago |
What EzDocs read from each document — check anything marked in red
Payment screenshot 129056.jpg needs your check
utr
124007102000
124007102000
date
2026-05-31
2026-05-31
time
23:09
23:09
amount
19530
19530
method
Google Pay
Google Pay
payee upi
vyapar.169705262080@hdfcbank
vyapar.169705262080@hdfcbank
payer upi
kishoreshirsat70-2@okhdfcbank
kishoreshirsat70-2@okhdfcbank
payee name
THINK BIGZ INITIATIVE PVT LTD
THINK BIGZ INITIATIVE PVT LTD
payer name
KISHORE PUNJAJI SHIRSAT
KISHORE PUNJAJI SHIRSAT
raw reading (for Abhijit)
{'utr': '124007102000', 'date': '2026-05-31', 'time': '23:09', 'amount': 19530, 'method': 'Google Pay', 'payee_upi': 'vyapar.169705262080@hdfcbank', 'payer_upi': 'kishoreshirsat70-2@okhdfcbank', 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': 'KISHORE PUNJAJI SHIRSAT', 'debit_notification_text': None}Selfie / photo 129055.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
1
1
face visible
True
True
quality issue
this is a photograph of a passport-size print, not a live selfie
this is a photograph of a passport-size print, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 1, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}Selfie / photo 129057.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
1
1
face visible
True
True
quality issue
this is a photograph of a printed photo, not a live selfie
this is a photograph of a printed photo, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 1, 'face_visible': True, 'quality_issue': 'this is a photograph of a printed photo, not a live selfie'}Sanction letter SANCTION LETTER.pdf needs your check
lan
NHL/GHKP/0526/5088565
NHL/GHKP/0526/5088565
legible
True
True
purpose
Non Housing Loan, Personal use
Non Housing Loan, Personal use
borrowers
{'name': 'KISHORE PUNJAJI SHIRSAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SANGEETA SHIRSAT', 'role': 'co_applicant', 'label': 'Applicant'}
{'name': 'KISHORE PUNJAJI SHIRSAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SANGEETA SHIRSAT', 'role': 'co_applicant', 'label': 'Applicant'}
confidence
1.0
1.0
rate words
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement
PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement
loan amount
2150000
2150000
rate spread
-3.65
-3.65
final amount
2214500
2214500
interest rate
9.5
9.5
sanction date
14-May-2026
14-May-2026
letter version
4
4
reference rate
13.15
13.15
applicant email
kishoreshirsat70@gmail.com
kishoreshirsat70@gmail.com
applicant names
KISHORE PUNJAJI SHIRSAT, SANGEETA SHIRSAT
KISHORE PUNJAJI SHIRSAT, SANGEETA SHIRSAT
printed altered
False
False
applicant mobile
7045040155
7045040155
balance transfer
False
False
property address
pin: 410206; road: Swaminarayan Road; state: India; taluka: Uran; Flat no: Shop No. 3; district: MAHARASHTRA; Floor: Ground Floor; landmark: Near CIDCO Hospital; Address: Shop No. 3, Ground Floor, Jainam Ratna CH
pin: 410206; road: Swaminarayan Road; state: India; taluka: Uran; Flat no: Shop No. 3; district: MAHARASHTRA; Floor: Ground Floor; landmark: Near CIDCO Hospital; Address: Shop No. 3, Ground Floor, Jainam Ratna CH
insurance premium
64500
64500
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
2214500
2214500
security address verbatim
Shop No. 3,, Ground Floor, Jainam Ratna CHSL, Plot No. 62, Sector No. 21, Village Ulwe,, Ulwe, Navi Mumbai, Uran, Near CIDCO Hospital, Swaminarayan Road, ., MAHARASHTRA, India, 410206
Shop No. 3,, Ground Floor, Jainam Ratna CHSL, Plot No. 62, Sector No. 21, Village Ulwe,, Ulwe, Navi Mumbai, Uran, Near CIDCO Hospital, Swaminarayan Road, ., MAHARASHTRA, India, 410206
applicant address verbatim
FLAT NO 215, 1E NAKSHATRA CHSL, SWADESHI MILL ROAD, MHADA SANKUL,, SION, CHUNABHATTI, , 400022, India
FLAT NO 215, 1E NAKSHATRA CHSL, SWADESHI MILL ROAD, MHADA SANKUL,, SION, CHUNABHATTI, , 400022, India
raw reading (for Abhijit)
{'lan': 'NHL/GHKP/0526/5088565', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'KISHORE PUNJAJI SHIRSAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'SANGEETA SHIRSAT', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'rate_words': 'PNBRRR *: 13.15% per annum; Applicable Rate of Interest *: 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 2150000, 'rate_spread': -3.65, 'final_amount': 2214500, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '14-May-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'kishoreshirsat70@gmail.com', 'applicant_names': ['KISHORE PUNJAJI SHIRSAT', 'SANGEETA SHIRSAT'], 'printed_altered': False, 'applicant_mobile': '7045040155', 'balance_transfer': False, 'property_address': {'pin': '410206', 'road': 'Swaminarayan Road', 'state': 'India', 'taluka': 'Uran', 'flat_no': 'Shop No. 3', 'district': 'MAHARASHTRA', 'floor_no': 'Ground Floor', 'landmark': 'Near CIDCO Hospital', 'full_address': 'Shop No. 3, Ground Floor, Jainam Ratna CHSL, Plot No. 62, Sector No. 21, Village Ulwe, Ulwe, Navi Mumbai, Uran, Near CIDCO Hospital, Swaminarayan Road, MAHARASHTRA, India, 410206', 'village_city': 'Ulwe', 'building_name': 'Jainam Ratna CHSL', 'survey_or_cts_no': 'Plot No. 62, Sector No. 21'}, 'insurance_premium': 64500, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 2214500, 'security_address_verbatim': 'Shop No. 3,, Ground Floor, Jainam Ratna CHSL, Plot No. 62, Sector No. 21, Village Ulwe,, Ulwe, Navi Mumbai, Uran, Near CIDCO Hospital, Swaminarayan Road, ., MAHARASHTRA, India, 410206', 'applicant_address_verbatim': 'FLAT NO 215, 1E NAKSHATRA CHSL, SWADESHI MILL ROAD, MHADA SANKUL,, SION, CHUNABHATTI, , 400022, India'}PAN card KYC.pdf needs your check
dob
1970-08-02
1970-08-02
pan
ALJPS3481K
ALJPS3481K
name
KISHORE PUNJAJI SHIRSAT
KISHORE PUNJAJI SHIRSAT
legible
True
True
father name
PUNJAJI BHAWOO SHIRSATE
PUNJAJI BHAWOO SHIRSATE
raw reading (for Abhijit)
{'dob': '1970-08-02', 'pan': 'ALJPS3481K', 'name': 'KISHORE PUNJAJI SHIRSAT', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'PUNJAJI BHAWOO SHIRSATE', 'aadhaar_last4': None, 'quality_issue': None}PAN card KYC.pdf needs your check
dob
1970-08-02
1970-08-02
pan
ALJPS3481K
ALJPS3481K
name
KISHORE PUNJAJI SHIRSAT
KISHORE PUNJAJI SHIRSAT
legible
True
True
father name
PUNJAJI BHAWOO SHIRSATE
PUNJAJI BHAWOO SHIRSATE
raw reading (for Abhijit)
{'dob': '1970-08-02', 'pan': 'ALJPS3481K', 'name': 'KISHORE PUNJAJI SHIRSAT', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'PUNJAJI BHAWOO SHIRSATE', 'aadhaar_last4': None, 'quality_issue': None}Other image003.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Paid challan (GRAS) KISHORE PUNJAJI SHIRSAT EchallanMH003598975202627E.pdf needs your check
grn
MH003598975202627E
MH003598975202627E
pin
410206
410206
total
17725.0
17725.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026060101089
03006172026060101089
district
RAIGAD
RAIGAD
area city
MAHARASHTRA RAIGAD
MAHARASHTRA RAIGAD
payer pan
ALJXXXXXXK
ALJXXXXXXK
flat block
SHOP NO 3, GROUND FLOOR, JAINAM RATNA CHSL, PLOT NO 62, SECTOR NO 21
SHOP NO 3, GROUND FLOOR, JAINAM RATNA CHSL, PLOT NO 62, SECTOR NO 21
payer name
KISHORE PUNJAJI SHIRSAT
KISHORE PUNJAJI SHIRSAT
sro office
PNL1_PANVEL NO 1 SUB REGISTRAR
PNL1_PANVEL NO 1 SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2214500
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2214500
scheme rows
{'amount': 6648.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11077.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 6648.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11077.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX0155
XXXXXX0155
payment date
01/06/2026-18:47:32
01/06/2026-18:47:32
road locality
VILLAGE ULWE, NEAR CIDCO HOSPITAL, SWAMINARAYAN ROAD, PANVEL, RAIGAD,
VILLAGE ULWE, NEAR CIDCO HOSPITAL, SWAMINARAYAN ROAD, PANVEL, RAIGAD,
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
2214500
2214500
raw reading (for Abhijit)
{'grn': 'MH003598975202627E', 'pin': '410206', 'total': 17725.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026060101089', 'district': 'RAIGAD', 'area_city': 'MAHARASHTRA RAIGAD', 'payer_pan': 'ALJXXXXXXK', 'flat_block': 'SHOP NO 3, GROUND FLOOR, JAINAM RATNA CHSL, PLOT NO 62, SECTOR NO 21', 'payer_name': 'KISHORE PUNJAJI SHIRSAT', 'sro_office': 'PNL1_PANVEL NO 1 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2214500', 'scheme_rows': [{'amount': 6648.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 11077.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX0155', 'payment_date': '01/06/2026-18:47:32', 'road_locality': 'VILLAGE ULWE, NEAR CIDCO HOSPITAL, SWAMINARAYAN ROAD, PANVEL, RAIGAD,', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2214500'}Selfie / photo 309648.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
0.9
0.9
face visible
True
True
quality issue
this is a photograph of a passport-size print, not a live selfie
this is a photograph of a passport-size print, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}Selfie / photo 309649.jpg needs your check
kind
photo_of_printed_photo
photo_of_printed_photo
legible
False
False
confidence
1
1
face visible
True
True
quality issue
this is a photograph of a printed photo, not a live selfie
this is a photograph of a printed photo, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 1, 'face_visible': True, 'quality_issue': 'this is a photograph of a printed photo, not a live selfie'}Other image003.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Payment screenshot 129056.jpg needs your check
payments inside
bank: HDFC Bank; kind: payment_screenshot; payments: [{'utr': '124007102000', 'date': '2026-05-31', 'page': 1, 'time': '23:09', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19530.0, 'direction': 'credit', 'narrati
bank: HDFC Bank; kind: payment_screenshot; payments: [{'utr': '124007102000', 'date': '2026-05-31', 'page': 1, 'time': '23:09', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19530.0, 'direction': 'credit', 'narrati
raw reading (for Abhijit)
{'payments_inside': {'bank': 'HDFC Bank', 'kind': 'payment_screenshot', 'payments': [{'utr': '124007102000', 'date': '2026-05-31', 'page': 1, 'time': '23:09', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 19530.0, 'direction': 'credit', 'narration': 'To: THINK BIGZ INITIATIVE PVT LTD vyapar.169705262080@hdfcbank From: KISHORE PUNJAJI SHIRSAT (HDFC Bank) Google Pay kishoreshirsat70-2@okhdfcbank Google transaction ID CICAgNjR7puSZQ', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '1819', 'account_holder': 'KISHORE PUNJAJI SHIRSAT'}}Technical record (for Abhijit — safe to ignore)
| 45m ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 10 Oct, 12:32 shared the e-filing copy — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']} |
| 1d ago | EzDocs | reader_efiling_verdict | {'fp': 'a4bec89cf45f642d', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is a required field and is |
| 1d ago | EzDocs | reader_mail_addition | {'fp': '6c18f23e3d7b3b6b', 'add': {}, 'why': 'The mail does not describe a property.', 'asked': True, 'quote': '', 'same_property': False} |
| 5d ago | EzDocs | efiling_found_on_case | {'now': 'AWAITING_INDEX2', 'was': 'CHALLAN_PAID', 'why': 'the paper is the fact and the stage follows it — the case was standing at an earlier step than the people working it. The money is untouched by this.', 'trigger': |
| 6d ago | EzDocs | hidden_payment_scan | {'file': '129056.jpg', 'kind': 'payment_screenshot', 'found': 0, 'doc_id': '70cb09f8-f20c-447e-b590-9beeb5561395', 'fetched': True} |
| 6d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 6d ago | EzDocs | allotment_read | {'fp': 'c8def055ac4c6123', 'file': 'SHIRSAT TECH (1).pdf', 'asked': True, 'doc_id': '16b3e746-0e39-43e9-90d2-671acead04b9', 'is_allotment_letter': False} |
| 6d ago | EzDocs | allotment_read | {'fp': '4a1a310e76565b1b', 'file': 'image003.jpg', 'asked': True, 'doc_id': '4dbacf92-4580-41ca-b5fe-11eb26c2fbc9', 'is_allotment_letter': False} |
| 6d ago | EzDocs | kyc_address_missing | {'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': 'KISHORE PUNJAJI SHIRSAT', 'party_id': '1345ef25-0635-4c |
| 6d ago | EzDocs | 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 ALxxxxxxXK — no paper on the |
| 6d ago | EzDocs | hidden_payment_scan | {'file': 'image003.jpg', 'kind': None, 'found': 0, 'doc_id': '4dbacf92-4580-41ca-b5fe-11eb26c2fbc9', 'fetched': True} |
| 6d ago | EzDocs | reader_home_address | {'fp': '01df379e9c91b2a6', 'from': 'the sanction letter (SANCTION LETTER.pdf)', 'home': {'pin': '400022', 'area': 'MHADA SANKUL, SION, CHUNABHATTI', 'flat': 'FLAT NO 215', 'road': 'SWADESHI MILL ROAD', 'state': 'MAHARASH |
| 6d 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': [{'by': 'papers', 'box': 'Road', 'why': 'The |
| 6d 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': 'SHIRSAT TECH (1).pdf', 'changed': {'taluka': {'was': 'Uran', 'index2': 'Pa |
| 6d ago | EzDocs | index2_people_checked | {'doc_id': '16b3e746-0e39-43e9-90d2-671acead04b9', 'differs': 0, 'matched': [{'score': 0.89, 'person': 'KISHORE PUNJAJI SHIRSAT', 'pan_agrees': True}], 'not_on_case': 1} |
| 6d 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': '16b3e746-0e39-43e9-90d2-671a |
| 6d ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-08T10:29:13', 'why': 'reading', 'open': 14, 'mails': [{'at': '2026-10-08 10:29', 'id': '1a11b09419ec9a41', 'from': 'branch', 'gist': 'The branch has attached selfie photos and the team needs the |
| 6d ago | EzDocs | branch_from_reading501 | {'why': "the branch's mail named no branch; the papers print this one — the bank's branch-wise summary places the case by it", 'branch': 'GHATKOPAR'} |
| 6d ago | EzDocs | case_read | {'how': 'uri', 'tag': '051eb4d0b88b21b7', 'docs': ['SHIRSAT TECH (1).pdf', 'SANCTION LETTER.pdf', 'KYC.pdf'], 'loan': {'amount': 2214500, 'made_of': [{'what': 'Loan Amount', 'paper': 'the sanction letter', 'quote': 'INR |
| 6d ago | EzDocs | challan_found_on_case | {'was': 'ACKNOWLEDGED', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'KISHORE PUNJAJI SHIRSAT EchallanMH003598975202627E.pdf', 'kind': |
| 6d ago | EzDocs | thread_docs_swept | {'why': 'this case had no papers at all — its own threads were read for the attachments nobody had pulled yet', 'error': None, 'stored': 10, 'why_not': None, 'messages': 12} |
| 6d ago | EzDocs | thread_documents_backfilled | {'why': None, 'stored': 10, 'mailbox': 'pnb.noifilling@gmail.com', 'skipped': 0, 'messages': 12, 'unreadable_threads': 0} |
| 6d ago | EzDocs | document_unreadable | {'reason': 'this is a photograph of a printed photo, not a live selfie', 'doc_type': 'selfie'} |
| 6d ago | EzDocs | document_received | {'file': '309649.jpg', 'doc_type': 'selfie', 'confidence': 1.0} |
| 6d ago | EzDocs | document_unreadable | {'reason': 'this is a photograph of a passport-size print, not a live selfie', 'doc_type': 'selfie'} |
| 6d ago | EzDocs | document_received | {'file': '309648.jpg', 'doc_type': 'selfie', 'confidence': 1.0} |
| 6d ago | EzDocs | sro_office_learned | {'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'PNL1_PANVEL NO 1 SUB REGISTRAR', 'district': 'RAIGAD'} |
| 6d ago | EzDocs | challan_verified_against_case | {'grn': 'MH003598975202627E', 'file': 'KISHORE PUNJAJI SHIRSAT EchallanMH003598975202627E.pdf', 'checked': ['payer name']} |
| 6d ago | EzDocs | challan_extracted | {'grn': 'MH003598975202627E', 'heads': ['0030046401', '0030063301'], 'total': 17725.0} |
| 6d ago | EzDocs | challan_identity | {'why': 'article 6(1) — deposit of title deed', 'file': 'KISHORE PUNJAJI SHIRSAT EchallanMH003598975202627E.pdf', 'inner': False, 'doc_id': '4b6892de-92f9-4b87-8527-f0e37e1b55bf', 'answer': 'noi', 'bank_pan': ''} |
Case diary the case’s history — what happened, newest day first
Papers
A file cannot be used
Selfie / photo — a usable one is being asked for
Money
₹19,530 claimed · credit not seen
Counts as received only on the credit SMS or a person's Verify.
Challan & filing
Index II pending
Waiting on the government.
Next — whose move
The government
Index II
For you to check: The work is done — our fee of ₹19,550.84 is still not in our account. Chase the branch for it. Selfie / photo: copy on file cannot be used. A usable one is being asked for.
Today · 15 Oct1 thing
An old draft withdrew itself — its asks were already answered
Yesterday · 14 Oct2 things — 2 steps
EzDocs checked the e-filing boxes against the papers
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
10 Oct1 thing — 1 step
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
8 Oct31 things — 10 documents received · 2 letters written · 1 money step · 4 cautions · 14 steps
EzDocs took 24 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
EzDocs read the whole file
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
Documents the branch had sent were fetched from the mail thread
Document could not be read — a clear copy was asked for
this is a photograph of a printed photo, not a live selfie
Received: Selfie — not usable
309649.jpg — this is a photograph of a printed photo, not a live selfie
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: Selfie — not usable
309648.jpg — this is a photograph of a passport-size print, not a live selfie
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
Received: Challan
KISHORE PUNJAJI SHIRSAT EchallanMH003598975202627E.pdf
Received: other
image003.jpg
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
PAN found inside the KYC file — no need to ask for it
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-03297
No fee quote sent — the branch's own figures were right
The payment proof already on the case was applied
Received: PAN card
KYC.pdf
The loan amount was worked out from the papers
Property address read from the sanction letter
Received: Sanction letter
SANCTION LETTER.pdf
Received: Sale deed
SHIRSAT TECH (1).pdf
Document could not be read — a clear copy was asked for
this is a photograph of a printed photo, not a live selfie
Received: Selfie — not usable
129057.jpg — this is a photograph of a printed photo, not a live selfie
Document could not be read — a clear copy was asked for
this is a photograph of a passport-size print, not a live selfie
Received: Selfie — not usable
129055.jpg — this is a photograph of a passport-size print, not a live selfie
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
129056.jpg
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
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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