Cases / NOI-2026-03598
Gaurav Pranil Shende
LAN HOU/NAG/0826/5203942
Challan paid · waiting on the branch
Waiting for the Index IIAll 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
✓Aadhaar cardopen
✓PAN cardopen
✓Sanction letteropen
✓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 (7)A label is wrong? Fix it under All documents.
For you to check
- ₹28,485 is counted on NOI-2026-03094, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
- ₹28,485 is counted on NOI-2026-03094, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page.
- The work is done — our fee of ₹28,510.21 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹28,510.21CASE MARK
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 received — the branch’s receipt claims ₹28,485; we wait for the credit itself
Ask for the exact ₹28,510.21. Those paise are this case’s own mark — the credit finds its case with nothing else needed.
Stamp duty 0.3%11,690
Registration fee 0.5%15,000
Government handling320
Our service fee1,500.21
Total we ask for28,510.21
Screenshot ₹28,485 — ₹25 under our ask, not below the real calculation ₹28,485. Counts as full. Nothing to ask.
why?
The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our 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 2026-10-15 — 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 15 Oct 18:35 — 0 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.
By law ₹28,505. We ask ₹28,510 (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.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 55 minour time · 18:29
Index II —not yet
the NOI team 1 h 35 mintotal 1 h 35 min so far
Now with the NOI team — e-filing on IGR
since 18:29 — 40 min of working time
Day by day — every step and who held it
17:34Your branch's mail
17:34Papers readat once
17:34Fee quotedat once
17:34Property readat once
18:29Challan made+55 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹38,95,000
Loan account no.
HOU/NAG/0826/5203942
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
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. EzDocs 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, EzDocs sees:
• Mortgagor pages: PAMMI GAURAV SHENDE is named on the sanction letter (SKM_226i26101517090.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
• payment NOT verified — office rule: no filing before credit
• PROPERTY NOT VERIFIED — open the case's Details & records, check the English boxes against the title document, save a correction if needed. e-filing makes this a government record.
• PAMMI GAURAV SHENDE: PAN missing — no PAN card of PAMMI GAURAV SHENDE is read on the file — the PAN cards on it (GAURAV PRANIL SHENDE, PHOTO-17 Aug 2026-17-18-29.jpg) are beside the form; type the PAN off the person's own card
• PAMMI GAURAV SHENDE: birth date missing — no PAN card of PAMMI GAURAV SHENDE is read on the file — the PAN cards on it (GAURAV PRANIL SHENDE, PHOTO-17 Aug 2026-17-18-29.jpg) are beside the form; type the birth date off the person's own card
• 8 property box(es) not from the Index II / worked out / unsure — shown in orange on the portal: district, village, road, Number type, Number, Second number
New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.
Where this case stands — the whole trailEzDocs has not read this trail yet — the regular check reads every case whose mails grew, a few at a time
Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail
1Pay the challan on GRAS, then upload it hereDONE
Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). 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 checked every box against the document’s own words 1h ago — all agree.
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 | MH012127913202627E | — | 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.
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 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
BB
bharati.bhope@phfl.com phfl.com
15 Oct, 17:34 · 1h ago THE FIRST MAIL — how this case began
15 Oct, 17:34 · 1h ago THE FIRST MAIL — how this case began
Request for challan and NOI - HOU/NAG/0826/5203942 GAURAV PRANIL SHENDE
📎 PHOTO-2026-08-17-17-18-29.jpg↗📎 PHOTO-2026-10-15-17-12-36.jpg↗📎 sdcreativehomeSUNRISE-10_505(1).docx↗📎 PHOTO-2026-08-17-17-18-29.jpg↗📎 SKM_226i26101517090.pdf↗📎 PHOTO-2026-08-17-17-18-29.jpg↗
Dear Team,
Please provide challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
earlier mails quoted below
From: shashank.bhajipale (shashank.bhajipale@phfl.com)
Date: 10/15/26 17:17
To: Bharati Bhope (bharati.bhope@phfl.com)
Sent from OfficeMail
🤖 read: asks for the challan, the e-filing copy; documents attached — “Please provide challan and NOI.”
OL
The NOI teamTYPED IN GMAIL
15 Oct, 18:05 · 1h ago
15 Oct, 18:05 · 1h 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 a
register sale deed copy.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Thu, 15 Oct 2026 at 17:32, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: shashank.bhajipale (shashank.bhajipale@phfl.com)
Date: 10/15/26 17:17
To: Bharati Bhope (bharati.bhope@phfl.com)
Sent from OfficeMail
🤖 read: asks the branch for documents, the payment — “We acknowledge the receipt of your mail documents and payment.”
OL
The NOI teamTYPED IN GMAIL
15 Oct, 18:06 · 1h ago
15 Oct, 18:06 · 1h 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 a
register sale deed copy and a colour live selfie photo of the
applicant GAURAV PRANIL SHENDE.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Thu, 15 Oct 2026 at 18:05, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For noi filing we need a
register sale deed copy.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Thu, 15 Oct 2026 at 17:32, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: shashank.bhajipale (shashank.bhajipale@phfl.com)
Date: 10/15/26 17:17
To: Bharati Bhope (bharati.bhope@phfl.com)
Sent from OfficeMail
🤖 read: asks the branch for documents, the payment — “We acknowledge the receipt of your mail documents and payment.”
OL
The NOI teamTYPED IN GMAIL
15 Oct, 18:31 · 38m ago
15 Oct, 18:31 · 38m ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Thu, 15 Oct 2026 at 18:06, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For NOI filing, We need a
register sale deed copy and a colour live selfie photo of the
applicant GAURAV PRANIL SHENDE.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Thu, 15 Oct 2026 at 18:05, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,
We
acknowledge the receipt of your mail documents and payment. We will
initiate the challan for the same. For noi filing we need a
register sale deed copy.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Thu, 15 Oct 2026 at 17:32, Bharati Bhope < bharati.bhope@phfl.com > wrote:
Dear Team,
Please provide challan and NOI.
Thanks & Regards,
Bharati Sujit Bhope
Sr. Branch Operations Executive
PHFL Home Loans and Services Limited,
Apartment No. 2 B, Second Floor,
Achraj Towers, Rajnagar, Chhaoni,
Katol Road, Chhindwara Road, Rajnagar,
Sadar, Nagpur-440013.
Tel : 0712 – 2533460
Mobile No. : 78758 57917
Toll Free : 1800 120 8800
Website – www.pnbhousing.com
From: shashank.bhajipale (shashank.bhajipale@phfl.com)
Date: 10/15/26 17:17
To: Bharati Bhope (bharati.bhope@phfl.com)
Sent from OfficeMail
🤖 read: challan shared ✓ — “PFA challan 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 |
|---|---|---|---|
| Aadhaar card | PHOTO-2026-08-17-17-18-29.jpg | filed | 1h ago |
| Payment screenshot | PHOTO-2026-10-15-17-12-36.jpg | filed | 1h ago |
| Other | sdcreativehomeSUNRISE-10_505(1).docx | CANNOT BE READ — clear copy asked | 1h ago |
| PAN card+ Selfie / photo inside | PHOTO-2026-08-17-17-18-29.jpg | filed | 1h ago |
| Sanction letter+ MOTD inside | SKM_226i26101517090.pdf | filed | 1h ago |
| Aadhaar card+ Selfie / photo inside | PHOTO-2026-08-17-17-18-29.jpg | filed | 1h ago |
| Paid challan (GRAS) | GAURAV PRANIL SHENDE EchallanMH012127913202627E.pdf | filed | 38m 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
₹28,510.21
₹28,510.21
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
₹28,485 066780909884
₹28,485 066780909884
Screenshot ₹28,485 — ₹25 under our ask, not below the real calculation ₹28,485. Counts as full. Nothing to ask.
why?
The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our 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 2026-10-15 — 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 |
|---|---|---|---|---|
| ₹11,690 | ₹15,000 | ₹320 | ₹1,500 | ₹28,510 |
By law ₹28,505. We ask ₹28,510 (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)
23 of 34 e-filing boxes readyOpen the verification page →
Empty: Taluka, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Floor, Property type (Open / Building / Open + Building), Area …
12 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, worked out, or EzDocs was not sure: District, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Building (with wing), Flat / shop no …
✓ EzDocs checked every box against the document’s own words 1h ago — all agree.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
SKM_226i26101517090.pdf
as printed
FLAT/APARTMENT NO 505, FLAT/ APARTMENT NO 505, PLOT NO 10CREATIVE HOMES SUNRISE, KH NO 95/2,95/3,95/4,95/5,95/6,95/7,95/8, CTS NO 269, SHEET NO 70 , IN LAYOUT OF BASRA CO-OP HOUSING SOCIETY LTD, MOUZA GOREWADA, NAGPUR, DHAWAN CELBRATION, GOREWADA, KATOL ROAD, NAGPUR, MAHARASHTRA, INDIA, 440013
FLAT/APARTMENT NO 505, FLAT/ APARTMENT NO 505, PLOT NO 10CREATIVE HOMES SUNRISE, KH NO 95/2,95/3,95/4,95/5,95/6,95/7,95/8, CTS NO 269, SHEET NO 70 , IN LAYOUT OF BASRA CO-OP HOUSING SOCIETY LTD, MOUZA GOREWADA, NAGPUR, DHAWAN CELBRATION, GOREWADA, KATOL ROAD, NAGPUR, MAHARASHTRA, INDIA, 440013
PIN
440013
440013
THE CHALLAN, as it will be typed
Flat/Survey Number
505 CREATIVE HOMES SUNRISE KHASRA NO 95/2 95/3 95/4 95/5 95/6 95/7 95/8 CTS NO 269
505 CREATIVE HOMES SUNRISE KHASRA NO 95/2 95/3 95/4 95/5 95/6 95/7 95/8 CTS NO 269
Locality/Road
KATOL ROAD NEAR DHAWAN CELBRATION GOREWADA
KATOL ROAD NEAR DHAWAN CELBRATION GOREWADA
Area/City
NAGPUR
check or correct a box, the papers beside it →NAGPUR
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 | GAURAV PRANIL SHENDE | JRPPS8901F | …4434 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| documents acknowledged | bharati.bhope@phfl.com | 1h ago |
What EzDocs read from each document — check anything marked in red
Other sdcreativehomeSUNRISE-10_505(1).docx needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Payment screenshot PHOTO-2026-10-15-17-12-36.jpg needs your check
utr
066780909884
066780909884
date
2026-10-15
2026-10-15
time
17:12
17:12
amount
28485
28485
method
UPI
UPI
payee upi
Vyapar.169705262080@hdfcbank
Vyapar.169705262080@hdfcbank
payee name
THINK BIGZ INITIATIVE PVT LTD
THINK BIGZ INITIATIVE PVT LTD
raw reading (for Abhijit)
{'utr': '066780909884', 'date': '2026-10-15', 'time': '17:12', 'amount': 28485, 'method': 'UPI', 'payee_upi': 'Vyapar.169705262080@hdfcbank', 'payer_upi': None, 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}Aadhaar card PHOTO-2026-08-17-17-18-29.jpg needs your check
address
pin: 442907; area: Sardar Patel Ward, Near Hanuman Temple; state: Maharashtra; district: Chandrapur; Village: At. Warora, Borda
pin: 442907; area: Sardar Patel Ward, Near Hanuman Temple; state: Maharashtra; district: Chandrapur; Village: At. Warora, Borda
legible
True
True
aadhaar last4
4434
4434
raw reading (for Abhijit)
{'dob': None, 'pan': None, 'name': None, 'mobile': None, 'address': {'pin': '442907', 'area': 'Sardar Patel Ward, Near Hanuman Temple', 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Chandrapur', 'post_office': None, 'village_city': 'At. Warora, Borda'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '4434', 'quality_issue': None}PAN card PHOTO-2026-08-17-17-18-29.jpg needs your check
dob
1990-11-20
1990-11-20
pan
JRPPS8901F
JRPPS8901F
name
GAURAV PRANIL SHENDE
GAURAV PRANIL SHENDE
legible
True
True
father name
PRANIL VISHWASRAO SHENDE
PRANIL VISHWASRAO SHENDE
raw reading (for Abhijit)
{'dob': '1990-11-20', 'pan': 'JRPPS8901F', 'name': 'GAURAV PRANIL SHENDE', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'PRANIL VISHWASRAO SHENDE', 'aadhaar_last4': None, 'quality_issue': None}Aadhaar card PHOTO-2026-08-17-17-18-29.jpg needs your check
dob
1990-11-20
1990-11-20
name
Gaurav Pranil Shende
Gaurav Pranil Shende
legible
True
True
aadhaar last4
4434
4434
raw reading (for Abhijit)
{'dob': '1990-11-20', 'pan': None, 'name': 'Gaurav Pranil Shende', 'mobile': None, 'address': None, 'legible': True, 'father_name': None, 'aadhaar_last4': '4434', 'quality_issue': None}Sanction letter SKM_226i26101517090.pdf needs your check
lan
HOU/NAG/0826/5203942
HOU/NAG/0826/5203942
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'GAURAV PRANIL SHENDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PAMMI GAURAV SHENDE', 'role': 'co_applicant', 'label': 'Applicant'}
{'name': 'GAURAV PRANIL SHENDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PAMMI GAURAV SHENDE', 'role': 'co_applicant', 'label': 'Applicant'}
loan type
Housing Loan
Housing Loan
confidence
5
5
rate words
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -5.05% = 8.10% per annum as on the date of execution of the loan agreement
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -5.05% = 8.10% per annum as on the date of execution of the loan agreement
handwritten
{'says': 'Gaurav shende', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Borrower name', 'touches': 'name'}, {'says': '38,95,000/-', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPO
{'says': 'Gaurav shende', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Borrower name', 'touches': 'name'}, {'says': '38,95,000/-', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPO
loan amount
3800000
3800000
rate spread
-5.05
-5.05
final amount
3895000
3895000
interest rate
8.1
8.1
sanction date
24-Sep-2026
24-Sep-2026
letter version
7
7
reference rate
13.15
13.15
applicant email
gaurav.shende737@gmail.com
gaurav.shende737@gmail.com
applicant names
GAURAV PRANIL SHENDE, PAMMI GAURAV SHENDE
GAURAV PRANIL SHENDE, PAMMI GAURAV SHENDE
printed altered
True
True
applicant mobile
8624007447
8624007447
balance transfer
False
False
property address
pin: 440013; road: KATOL ROAD; state: MAHARASHTRA; Flat no: 505; district: NAGPUR; landmark: DHAWAN CELBRATION; Address: FLAT/APARTMENT NO 505, FLAT/ APARTMENT NO 505, PLOT NO 10CREATIVE HOMES SUNRISE, KH NO 95/2,95
pin: 440013; road: KATOL ROAD; state: MAHARASHTRA; Flat no: 505; district: NAGPUR; landmark: DHAWAN CELBRATION; Address: FLAT/APARTMENT NO 505, FLAT/ APARTMENT NO 505, PLOT NO 10CREATIVE HOMES SUNRISE, KH NO 95/2,95
insurance premium
95000
95000
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
3895000
3895000
security address verbatim
FLAT/APARTMENT NO 505, FLAT/ APARTMENT NO 505, PLOT NO 10CREATIVE HOMES SUNRISE, KH NO 95/2,95/3,95/4,95/5,95/6,95/7,95/8, CTS NO 269, SHEET NO 70 , IN LAYOUT OF BASRA CO-OP HOUSING SOCIETY LTD, MOUZA GOREWADA, NAGPUR, D
FLAT/APARTMENT NO 505, FLAT/ APARTMENT NO 505, PLOT NO 10CREATIVE HOMES SUNRISE, KH NO 95/2,95/3,95/4,95/5,95/6,95/7,95/8, CTS NO 269, SHEET NO 70 , IN LAYOUT OF BASRA CO-OP HOUSING SOCIETY LTD, MOUZA GOREWADA, NAGPUR, D
applicant address verbatim
C/O PRAVIN KHANDALE PLOT NO 88 K.T NAGAR, NEAR SHREE VIVEKANAND SCHOOL NEW JAGRUTI COLONY, NAGPUR 440013,., Nagpur, MAHARASHTRA, 440013, India
C/O PRAVIN KHANDALE PLOT NO 88 K.T NAGAR, NEAR SHREE VIVEKANAND SCHOOL NEW JAGRUTI COLONY, NAGPUR 440013,., Nagpur, MAHARASHTRA, 440013, India
raw reading (for Abhijit)
{'lan': 'HOU/NAG/0826/5203942', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'GAURAV PRANIL SHENDE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PAMMI GAURAV SHENDE', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': 'Housing Loan', 'confidence': 5, 'rate_words': 'PNBRRR * 13.15% per annum\nApplicable Rate of Interest * 13.15% -5.05% = 8.10% per annum as on the date of execution of the loan agreement', 'handwritten': [{'says': 'Gaurav shende', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Borrower name', 'touches': 'name'}, {'says': '38,95,000/-', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Loan amount', 'touches': 'amount'}, {'says': 'Thirty eight thousand Ninery Five thousand B', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Loan amount in words', 'touches': 'amount'}, {'says': '16/10/26', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Disbursement Letter dated', 'touches': 'date'}, {'says': '24/9/36', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Sanction Letter dated', 'touches': 'date'}, {'says': '11/10/day', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, On the day of', 'touches': 'date'}, {'says': 'NAGPUR', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Mortgagor(s) attended the office of PNBHFL at its branch office at', 'touches': 'other'}, {'says': 'Guurar shende', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, Mr./Ms.', 'touches': 'name'}, {'says': 'Sunil mishra', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, presence of Mr./Ms.', 'touches': 'name'}, {'says': 'Sandeep Pilly', 'where': 'MEMORANDUM OF ENTRY IN CASE OF MORTGAGE BY DEPOSIT OF TITLE DEEDS, representative of the Mortgagors', 'touches': 'name'}, {'says': 'Gaurar shende', 'where': 'SCHEDULE A, Sr. No. 1, Name of the Mortgagor(s)', 'touches': 'name'}, {'says': &#xSanction letter SKM_226i26101517090.pdf needs your check
amount words
INR 38,95,000/- (Rupees Thirty eight thousand Ninery Five thousand B Only)
INR 38,95,000/- (Rupees Thirty eight thousand Ninery Five thousand B Only)
secured amount
3895000.0
3895000.0
raw reading (for Abhijit)
{'amount_words': 'INR 38,95,000/- (Rupees Thirty eight thousand Ninery Five thousand B Only)', 'secured_amount': 3895000.0}Payment screenshot PHOTO-2026-10-15-17-12-36.jpg needs your check
payments inside
payments: [{'utr': '066780909884', 'date': '2026-10-15', 'page': 1, 'time': '17:12', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 28485.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T26101517121274
payments: [{'utr': '066780909884', 'date': '2026-10-15', 'page': 1, 'time': '17:12', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 28485.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T26101517121274
raw reading (for Abhijit)
{'payments_inside': {'payments': [{'utr': '066780909884', 'date': '2026-10-15', 'page': 1, 'time': '17:12', 'payee': 'THINK BIGZ INITIATIVE PVT LTD', 'amount': 28485.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2610151712127450239330', 'proof_kind': 'success_screen'}]}}Paid challan (GRAS) GAURAV PRANIL SHENDE EchallanMH012127913202627E.pdf needs your check
grn
MH012127913202627E
MH012127913202627E
pin
440013
440013
total
26690.0
26690.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026101502024
03006172026101502024
district
NAGPUR
NAGPUR
area city
NAGPUR
NAGPUR
payer pan
JRPXXXXXXF
JRPXXXXXXF
flat block
FLAT NO 505 5TH FLOOR CREATIVE HOMES SHEET NO 70 PLOT NO 10
FLAT NO 505 5TH FLOOR CREATIVE HOMES SHEET NO 70 PLOT NO 10
payer name
GAURAV PRANIL SHENDE
GAURAV PRANIL SHENDE
sro office
NGP8_JT NAGPUR NO 8 SUB REGISTRAR
NGP8_JT NAGPUR NO 8 SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3895000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3895000
scheme rows
{'amount': 11690.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 11690.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX7447
XXXXXX7447
payment date
15/10/2026-18:29:40
15/10/2026-18:29:40
road locality
SUNRISE KH NO 95/2 TO 95/8 CTS NO 269 IN LAYOUT OF BASRA CHSL MOUZA GOREWADA DHAWAN CELBRATION KATOL ROAD
SUNRISE KH NO 95/2 TO 95/8 CTS NO 269 IN LAYOUT OF BASRA CHSL MOUZA GOREWADA DHAWAN CELBRATION KATOL ROAD
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
3895000
3895000
raw reading (for Abhijit)
{'grn': 'MH012127913202627E', 'pin': '440013', 'total': 26690.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101502024', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'JRPXXXXXXF', 'flat_block': 'FLAT NO 505 5TH FLOOR CREATIVE HOMES SHEET NO 70 PLOT NO 10', 'payer_name': 'GAURAV PRANIL SHENDE', 'sro_office': 'NGP8_JT NAGPUR NO 8 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3895000', 'scheme_rows': [{'amount': 11690.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX7447', 'payment_date': '15/10/2026-18:29:40', 'road_locality': 'SUNRISE KH NO 95/2 TO 95/8 CTS NO 269 IN LAYOUT OF BASRA CHSL MOUZA GOREWADA DHAWAN CELBRATION KATOL ROAD', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '3895000'}Technical record (for Abhijit — safe to ignore)
| 28m ago | EzDocs | kyc_address_read | {'doc': 'aadhaar', 'pin': '442907', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'At. Warora, Borda', 'doc_id': '8ec |
| 28m ago | EzDocs | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [], 'challan_doc': '412af903-72aa-4a04-8d0b-803bd3180ba3'} |
| 38m ago | EzDocs | filing_waits_on_title_doc | {'was': 'US', '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 bran |
| 38m 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': 'GAURAV PRANIL SHENDE EchallanMH012127913202627E.pdf', 'kind': 'p |
| 38m ago | EzDocs | 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': 'GAURAV PRANIL SHEND |
| 38m 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': 'NGP8_JT NAGPUR NO 8 SUB REGISTRAR', 'district': 'NAGPUR'} |
| 38m ago | EzDocs | challan_verified_against_case | {'grn': 'MH012127913202627E', 'file': 'GAURAV PRANIL SHENDE EchallanMH012127913202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 38m ago | EzDocs | challan_extracted | {'grn': 'MH012127913202627E', 'file': 'GAURAV PRANIL SHENDE EchallanMH012127913202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 26690.0} |
| 39m ago | EzDocs | lesson456 | {'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '530528', 'lessons': [{'box': 'Office', 'words': "Office: the team picked NGP8 |
| 41m ago | SANDEEP | copilot_edit | {'n': 15, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours': |
| 56m ago | copilot | copilot_check_ok | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed property boxes match the expected values, which are worked out from the main paper |
| 56m ago | EzDocs | form_checked489 | {'ok': True, 'page': 'challan', 'paid': True, 'boxes': 15, 'issues': 0, 'case_no': 'NOI-2026-03598'} |
| 56m ago | the co-pilot | challan_numbers_from_reading | {'why': "the property row keeps two numbers; the challan's box must carry every number the paper prints or the office reads another property", 'file': 'SKM_226i26101517090.pdf', 'from': 'the sanction letter', 'added': [' |
| 56m ago | the co-pilot | challan_boxes_not_the_papers_words | {'why': "check — the boxes carry words the main paper does not print (KHASRA) — read box 1 once against the paper's own words"} |
| 56m ago | EzDocs | challan_boxes_composed | {'fp': 'e5b7f2736e180260', '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': '505 CREATIVE HOMES SUNRISE KHASR |
| 1h ago | EzDocs | quoted_history_checked | {'noted': True} |
| 1h ago | EzDocs | amount_instruction_from_quote | {'why': "the amount 'instruction' on this case came from quoted history, not the branch's own words — the figure has moved on since; noted", 'phrase': 'Rs.27,00,000/-', 'displaced': None, 'loan_amount': 3895000.0, 'past_ |
| 1h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 15 Oct, 18:05 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']} |
| 1h ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 1h ago | EzDocs | reader_mail_addition | {'fp': 'b5e4db0e1d7e7d41', 'add': {}, 'why': "The mail does not describe the property. It describes the branch's office address.", 'asked': True, 'quote': '', 'same_property': False} |
| 1h ago | EzDocs | reader_home_address | {'fp': '8f533bfc9ee90068', 'from': 'the sanction letter (SKM_226i26101517090.pdf)', 'home': {'pin': '440013', 'area': 'K.T NAGAR, NEAR SHREE VIVEKANAND SCHOOL NEW JAGRUTI COLONY', 'flat': 'PLOT NO 88', 'state': 'MAHARASH |
| 1h 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': 11, 'trigger': 'quick sweep'} |
| 1h ago | EzDocs | hidden_payment_scan | {'file': 'PHOTO-2026-10-15-17-12-36.jpg', 'kind': None, 'found': 1, 'doc_id': 'b8ed396b-4a55-46a2-832e-1af2eec76670', 'fetched': True} |
| 1h 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': 'PHOTO-2026-10-15-17 |
| 1h ago | EzDocs | claim_part_duplicate | {'utr': '066780909884', 'date': '2026-10-15', 'parts': 1, 'amount': 28485.0, 'claimed_total': 28485.0} |
| 1h ago | EzDocs | credit_on_another_case | {'how': 'utr', 'utr': '066780909884', 'why': "this case's own receipt names a credit already counted on NOI-2026-03094 (the same UTR) — a person must say whose money it is", 'file': 'PHOTO-2026-10-15-17-12-36.jpg', 'amou |
| 1h ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-15T12:05:11', 'why': 'reading', 'open': 13, 'mails': [{'at': '2026-10-15 12:04', 'id': '1a13f71856cba4e9', 'from': 'branch', 'gist': 'The branch is asking for the challan and NOI.', 'subject': ' |
| 1h 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': 'NAGPUR'} |
| 1h ago | EzDocs | case_read | {'how': 'uri-without-broken', 'tag': '35d2ef15e7b06e93', 'docs': ['SKM_226i26101517090.pdf', 'PHOTO-2026-08-17-17-18-29.jpg', 'PHOTO-2026-08-17-17-18-29.jpg', 'PHOTO-2026-08-17-17-18-29.jpg'], 'loan': {'amount': 3895000, |
| 1h ago | EzDocs | papers_probed499 | {'why': "EzDocs (reading the whole file) was refused for a document; each paper was shown alone — the one refused by itself is set aside; a paper that answered alone is sound; 'other' is a busy minute or a timeout, which says not |
Case diary the case’s history — what happened, newest day first
Papers
A file cannot be used
Other — a usable one is being asked for
Money
₹28,485 claimed · credit not seen
Counts as received only on the 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
For you to check: ₹28,485 is counted on NOI-2026-03094, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page. ₹28,485 is counted on NOI-2026-03094, and this case's receipt names it too (the same UTR). Nothing moved — open it on the SMS page. The work is done — our fee of ₹28,510.21 is still not in our account. Chase the branch for it.
Today · 15 Oct29 things
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
Received: Challan
GAURAV PRANIL SHENDE EchallanMH012127913202627E.pdf
SANDEEP pressed Proceed on the challan — what was changed is kept
EzDocs took 36 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
The challan's address boxes were written from the papers
An old draft withdrew itself — its asks were already answered
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
This payment is counted on another case too — a person must say whose it is
EzDocs read the whole file
Wrote the documents acknowledged mail — held, silent mode
Re: Request for challan and NOI - HOU/NAG/0826/5203942 GAURAV PRANIL SHENDE
The loan amount was worked out from the papers
The loan amount was worked out from the papers
Property address read from the sanction letter
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
Received: Aadhaar
PHOTO-2026-08-17-17-18-29.jpg
Received: Sanction letter
SKM_226i26101517090.pdf
The branch's payment screenshot was read
This payment is counted on another case too — a person must say whose it is
Received: PAN card
PHOTO-2026-08-17-17-18-29.jpg
Nothing new to ask for — stayed quiet
Received: other — not usable
sdcreativehomeSUNRISE-10_505(1).docx — could not be read
No fee quote sent — the branch's own figures were right
Received: Payment screenshot
PHOTO-2026-10-15-17-12-36.jpg
Received: Aadhaar
PHOTO-2026-08-17-17-18-29.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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