⚠The PNB mailbox has used 133% of what Google lets it send in 24 hours (663 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
JANARDHAN RAYA KHARAT
LAN NHL/THA/0626/5133380Loan ₹14,54,250NOIMails & papers 2
Correct a detail
Payment seen with your own eyes
A note for the history
Undo a verification
Kind of case — the amount follows it
Who paid the challan
Papers
Out of turn
A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
Advanced — move the case by hand (ask Abhijit first)
Mail in
5 Oct, 15:59
Documents
took 33m
Payment
Challan
Filing
done 5 Oct, 16:35 · IGR e-filing ↗
E-filing copy
took 30m
Index II
done 5 Oct, 17:05
doneIndex II shared · the trail says: The branch is asking for the NOI Index II, but no loan papers have been sent to initiate the process. The team is waiting for the branch to send the necessary…whole case so far 8d 6h
Needs your eyes2
The work is done — our fee of ₹13,470.83 is still not in our account. Chase the branch for it.
1 difference(s) between the papers to look at once — none stops the challan. See them →
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
5 Oct54 things
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
An old draft withdrew itself — its asks were already answered
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The branch's title document is on the case — the filing is the NOI team's move
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
file note490
case read — by ezdocs:reader
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03160
claim inside desk buffer
The bill was worked out from the loan amount (no mail)
Every screenshot and credit SMS is judged against this figure.
The payment proof already on the case was applied
An old draft withdrew itself — its asks were already answered
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
thread docs swept
Documents the branch had sent were fetched from the mail thread
Received: other
image001.png
index2 mismatch
Received: Index II
JANARDHAN R KHARAT IndexII9990907260569.pdf
dhc prn read
efiling copy read
Received: E-filing copy
eFilingDoc9990907260569.pdf
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
money settled — by ezdocs:reader
Received: Challan
JANARDHAN R KHARAT EchallanMH005430134202627E.pdf
Received: other
image001.png
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
roles from letter
amount low confidence
Received: Sanction letter
IMG_20260629_134347.jpg
Selfie checked — a live one
A real selfie — usable for the e-filing.
Received: Selfie
IMG_20260629_134405.jpg
Received: PAN card
IMG_20260629_134424.jpg
property self check
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03160
property from index2
index2 people checked
index2 extra purchaser
property english extracted
Property read from the Index II
index2 people checked
index2 extra purchaser
Index II (title document) received from the branch
Received: Index II
IMG_20260629_134535.jpg
Payment proof arrived before the case was quoted — held
Received: Payment screenshot
IMG-20260629-WA0012.jpg
extra challan scanned
Nothing new to ask for — stayed quiet
EzDocs read the whole trail as one conversation — where the case stands is on the page
old thread stored only
Case opened from the branch's mail
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needs1 still to come
9 of 10 in hand · the challan is done — these are for the filing / KYC
✓PAN cardopen
✓Selfie / photoopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
Applicant's Aadhaar Card — still needed
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 10 files
The file, as the engine remembers it8 open
The property is a flat in Kalyan, Thane district. The loan amount is Rs. 14,54,250 which includes Rs. 69,250 in insurance premium. Janardhan Raya Kharat is the owner and mortgagor.
○the Aadhaar — the branch
○JANARDHAN R KHARAT — home building — the branch
○JANARDHAN R KHARAT — home flat — the branch
○JANARDHAN R KHARAT — home road — the branch
○JANARDHAN R KHARAT — home PIN — the branch
○JANARDHAN R KHARAT — home village / city — the branch
○property — road / locality — the branch
○this desk's fee (Rs 13470) — the branch
the branch's last mail (2026-10-05): The branch asks for the NOI Index II on an urgent basis.
read once, kept; every new mail and paper is read against this note · kept 2026-10-05T10:38 UTC
Moneywaiting for the credit
₹13,470.83
Nothing has reached our account yet — only a credit our bank shows us counts.
Screenshot ₹13,435 — ₹36 under our ask, not below the real calculation ₹13,434. Counts as full. Nothing to ask.
Screenshot ₹13,435 — verified by itself the moment the bank credit is heard.
Screenshot ₹13,435 — verified by itself the moment the bank credit is heard.
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.
Paid by GPay at 2026-06-29 — verified when Google's NEFT lands in the PNB account (within hours).
The money may already be here — 1 credit(s) 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.
The working
Stamp duty 0.3%4,370
Registration fee 0.5%7,280
Government handling320
Our service fee1,500
Total we ask for13,470.83
By law ₹13,454. We ask ₹13,470 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Propertyby the engine, from the Index II
401, 4th, Mauli Aarambh Building, C Wing, SURVEY, 2, Mangaon, 421204
read from the Index II · e-filing boxes 23 of 34 ready
Check the property →the boxes beside the paper
People
JANARDHAN R KHARAT · applicantAWQPK1927Q
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