⚠The PNB mailbox has used 228% of what Google lets it send in 24 hours (1,138 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.

Cases / NOI-2026-03160

JANARDHAN RAYA KHARAT

LAN NHL/THA/0626/5133380 Index II shared · done All documents Mails & papers 2

Mail 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).

What the e-filing still needs1 still to come

9 of 10 in hand.
the challan is done — these are for the IGR filing / KYC

✓Payment screenshot — shows ₹13,435; money not verified yetopen

✓Index II — the branch's own title copy, an input; the address was read from itopen

✓Index II — the registered copy of our filing, from the governmentopen download

✓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 EzDocs, from the Index II (correct below if anything is off)

All files (10)A label is wrong? Fix it under All documents.

For you to check

The work is done — our fee of ₹13,470.83 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹13,470.83CASE MARK

Nothing has reached our account yet. Only a credit our bank shows us counts.

₹0 received — the branch’s receipt claims ₹13,435; we wait for the credit itself

Ask for the exact ₹13,470.83. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%4,370

Registration fee 0.5%7,280

Government handling320

Our service fee1,500.83

Total we ask for13,470.83

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.

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).

This money went to the Google Pay Business account on the Samsung (ThinkBigz). That ear is working (last reached us 13 Oct 08:24 — 47 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

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.

The money may already be here — 2 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 2 h 26 minour time · 29 Jun 16:20

Index II 2 h 27 minour time · 5 Oct 16:06

the NOI team 2 h 27 minthe branch 97 d 23 htotal 98 d 2 h

Complete.

Day by day — every step and who held it

29 Jun 13:54Your branch's mail

29 Jun 16:20Challan made+2 h 26 min · the NOI team

5 Oct 15:59Papers from your branch+97 d 23 h · the branch

5 Oct 16:06Papers from your branch+6 min · the branch

5 Oct 16:06Papers readat once

5 Oct 16:06Index II sent+1 min · the NOI team

5 Oct 16:06Papers readat once

5 Oct 16:06Property readat once

5 Oct 16:07Papers from your branchat once

5 Oct 16:07Papers readat once

5 Oct 16:07Papers from your branchat once

5 Oct 16:07Papers readat once

5 Oct 16:07Papers from your branchat once

5 Oct 16:07Papers readat once

5 Oct 16:07Papers from your branchat once

5 Oct 16:07Papers readat once

5 Oct 16:07Filed on IGR — e-filing sharedat once

5 Oct 16:07Papers readat once

5 Oct 16:08Fee quotedat once

Case facts

Bank

PNB_HFL

Loan amount

₹14,54,250

Loan account no.

NHL/THA/0626/5133380

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

Nothing — this case is done

Index II shared with the branch and the case is closed.

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

NOTEThe name of person 1

The PAN card	JANARDHAN R KHARAT
The sanction letter DIFFERS	JANARDHAN RAYA KHARAT

What to do: The sanction letter prints the name shorter. The person's name is typed as the PAN card prints it — nothing to change.

Compared: the sanction letter, the Index II; and EzDocs (reading the whole file). Nothing here is typed or changed by itself.

Where this case stands — the whole trailread by EzDocs as one conversation

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 documents to start the filing.

the history says the next move is with the branch — the loan papers and to initiate the process

the branch last asked: Please provide NOI index II on urgent basis.

read over 1 mail(s), last mail 2026-10-05 · read 9d 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 here

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 9d ago — all agree.

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 0726139013747 · ₹300 · paid 13/07/2026 — read off the filed notice

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	MH005430134202627E	—	pending

Open filing pack →

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

MM mahesh.mondkar@pnbhousing.com pnbhousing.com
05 Oct, 15:59 · 9d ago THE APP JOINED HERE — earlier mails are on Gmail

RE: Kindly Initiate 0.3 % & NOI charges in the captioned case of NHL/THA/0626/5133380 - JANARDHAN RAYA KHARAT

📎 image001.png ↗

Dear Thinkbigz Team,

Please provide NOI index II on urgent basis.

Thanks & Regards

Mahesh Mondkar

Customer Service Manager- Loans

PNB Housing Finance Ltd,Thane

Tel No.022- 43533200 / 9967805013

Toll Free: 1800 120 8800

customercare@pnbhousing.com

Website-
www.pnbhousing.com

Internal

From: THINKBIGZ NOI <pnb.noifilling@gmail.com>

Sent: 29 June 2026 16:23

To: Monu Singh <monu.singh@pnbhousing.com>

Cc: Dipak Kumar Sharma1 <dipak.sharma1@phfl.com>; Shankar Koli <shankar.koli@pnbhousing.com>; Thane <thane@pnbhousing.com>; Namrata Pramod More <namrata.more@phfl.com>; Sanket Anil Sule 1 <sanket.sule1@phfl.com>

Subject: Re: Kindly Initiate 0.3 % & NOI charges in the captioned case of NHL/THA/0626/5133380 - JANARDHAN RAYA KHARAT

 Exercise Secure

earlier mails quoted below

On Mon, 29 Jun 2026 at 13:59, 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.

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:-8097244974

On Mon, 29 Jun 2026 at 13:56, Monu Singh < monu.singh@pnbhousing.com > wrote:

Dear Team,

Kindly
Initiate 0.3 % & NOI charges in the captioned case of NHL/THA/0626/5133380 - JANARDHAN RAYA KHARAT

Thanks & Regards,

Monu Singh

Area Sales Manager - DST

Thane (West)

Mobile :- 9004261424

Internal

🤖 read: asks for the Index II — “Please provide NOI index II on urgent basis.”

OL The NOI teamTYPED IN GMAIL
05 Oct, 16:34 · 9d ago

TEAM,

PFA NOI INDEX 2 FOR CASE CLOSURE

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Mon, 5 Oct 2026 at 16:00, Mahesh Mondkar < mahesh.mondkar@pnbhousing.com > wrote:

Dear Thinkbigz Team,

Please provide NOI index II on urgent basis.

Thanks & Regards

Mahesh Mondkar

Customer Service Manager- Loans

PNB Housing Finance Ltd,Thane

Tel No.022- 43533200 / 9967805013

Toll Free: 1800 120 8800

customercare@pnbhousing.com

Website-
www.pnbhousing.com

Internal

From: THINKBIGZ NOI < pnb.noifilling@gmail.com >

Sent: 29 June 2026 16:23

To: Monu Singh < monu.singh@pnbhousing.com >

Cc: Dipak Kumar Sharma1 < dipak.sharma1@phfl.com >; Shankar Koli < shankar.koli@pnbhousing.com >; Thane < thane@pnbhousing.com >; Namrata Pramod More < namrata.more@phfl.com >; Sanket Anil Sule 1 < sanket.sule1@phfl.com >

Subject: Re: Kindly Initiate 0.3 % & NOI charges in the captioned case of NHL/THA/0626/5133380 - JANARDHAN RAYA KHARAT

 Exercise Secured by Check Point

Team,

PFA challan for your reference..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Mon, 29 Jun 2026 at 13:59, 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.

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Mon, 29 Jun 2026 at 13:56, Monu Singh < monu.singh@pnbhousing.com > wrote:

Dear Team,

Kindly
Initiate 0.3 % & NOI charges in the captioned case of NHL/THA/0626/5133380 - JANARDHAN RAYA KHARAT

Thanks & Regards,

Monu Singh

Area Sales Manager - DST

Thane (West)

Mobile :- 9004261424

Internal

🤖 read: Index II shared ✓ — “PFA NOI INDEX 2 FOR CASE CLOSURE”

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	IMG-20260629-WA0012.jpg	filed	9d ago
Index IIthe branch sent this — an input	IMG_20260629_134535.jpg	filed	9d ago
PAN card	IMG_20260629_134424.jpg	filed	9d ago
Selfie / photo	IMG_20260629_134405.jpg	filed	9d ago
Sanction letter	IMG_20260629_134347.jpg	filed	9d ago
Other	image001.png	filed	9d ago
Paid challan (GRAS)	JANARDHAN R KHARAT EchallanMH005430134202627E.pdf	filed	9d ago
E-filing copy (token)	eFilingDoc9990907260569.pdf	filed	9d ago
Index IIthe registered copy we filed	JANARDHAN R KHARAT IndexII9990907260569.pdf	filed	9d ago
Other	image001.png	filed	9d 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
₹13,470.83

Where it stands
waiting for the credit

Screenshot claims
₹13,435 618055661319

why?

Paid by GPay at 2026-06-29 — verified when Google's NEFT lands in the PNB account (within hours).

Paid at
—

Verified on
not yet

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹4,370	₹7,280	₹320	₹1,500	₹13,470

By law ₹13,454. We ask ₹13,470 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

29 of 34 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Property type (Open / Building / Open + Building)

10 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Second number, Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1), Area / sector (person 1), PIN (person 1), Village / city (person 1) …

✓ EzDocs checked every box against the document’s own words 9d ago — all agree.

CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (IMG_20260629_134535.jpg) check each box against the document beside it — a box marked not in the document is the one to look at. Fix what is wrong, then verify with your name. The e-filing fills ONLY from these boxes.

Building (with wing)

⚠ not in the document

Flat / shop no

✓ in the document

Floor

⚠ not in the document

Village / City

⚠ not in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

⚠ not in the document

Area (sq.mt, carpet)

⚠ not in the document

Description — house style (this exact text goes into the e-filing’s Description box)

The document the property was read from. Open it full size →

What EzDocs took off that document — highlighted is a box that matches it word for word. This is EzDocs' reading; the document above is the evidence.

1) पालिकेचे नावःकल्याण-डोंबिवली इतर वर्णन :, इतर माहितीः मौजे माणगांव येथील सर्वे नं 2 व हिस्सा नं 10 अ यावरील माउली आरंभ बिल्डिंग मधील सदनिका नं 401 चौथा मजला "सी" विंग क्षेत्र 535 चौ फूट बिल्टअप. (49.72 चौ मी) ((Survey Number: 2/10A;))

saving a change clears verification until someone verifies again

The property, paper by paper side by side, the main paper first

the sanction letter BASE — the challan follows this

IMG_20260629_134347.jpg

as printed
FLAT NO 401, 4TH FLOOR, C WING, MAULI ARAMBHA, MANGAON, DOMBIVALI EAST, THANE, SURVEY NO 2 HISSA NO 10 A, THANE, MAHARASHTRA, INDIA, 421204

PIN
421204

the Index II

JANARDHAN R KHARAT IndexII9990907260569.pdf

the property
1) CORPORATION: KALYANA-DONBIVALI OTHER DETAILS: BUILDING NAME:C WING, MAULI AARAMBHA BLDG, FLOOR NO:4, FLAT NO:401, ROAD:DOMBIVALI EAST ROAD,THANE, BLOCK SECTOR:MOUJE MANAGAV (SURVEY NUMBER: 2; HISSA NUMBER: 10 A;)

PIN
400022

the Index II

IMG_20260629_134535.jpg

the property
1) paalikeche naavahkalyaana-dombivali itara varnana :, itara maahitih mauje maanagaanva yethila sarve nan 2 va hissaa nan 10 a yaavarila maauli aarambha bildinga madhila sadanikaa nan 401 chauthaa majalaa "si" vinga kshetra 535 chau phuta biltaapa. (49.72 chau mi) ((SURVEY NUMBER: 2/10A;))

PIN
I CANNOT TELL

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 401 4TH FLOOR C WING MAULI ARAMBHA MANGAON DOMBIVALI EAST THANE SURVEY NO 2 HISSA NO 10 A

Locality/Road
MAHARASHTRA

Area/City
THANE

check or correct a box, the papers beside it →

the Index II also prints: 1, 4, 400022, AARAMBHA, DONBIVALI, KALYANA, MANAGAV, NAME, OTHER
the Index II also prints: 1, 2/10A, 49, 535, 72, AARAMBHA, BILDINGA, BILTAAPA, CANNOT, CHAU, CHAUTHAA, HISSAA, ITARA, KSHETRA, MAAHITIH

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	JANARDHAN R KHARAT	AWQPK1927Q

All mail records (for Abhijit — safe to ignore)

Template	To	When
document chase	mahesh.mondkar@pnbhousing.com	9d ago
document chase	mahesh.mondkar@pnbhousing.com	9d ago

What EzDocs read from each document — check anything marked in red

Payment screenshot IMG-20260629-WA0012.jpg needs your check

utr
618055661319

date
2026-06-29

time
10:22

amount
13435

method
Google Pay

payee upi
9892834356-2@okbizaxis

payer upi
kirankharat149@okicici

payee name
THINKBIGZ INITIATIVE PVT LTD

payer name
JANARDHAN RAYA KHARAT

raw reading (for Abhijit)

{'utr': '618055661319', 'date': '2026-06-29', 'time': '10:22', 'amount': 13435, 'method': 'Google Pay', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': 'kirankharat149@okicici', 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': 'JANARDHAN RAYA KHARAT', 'debit_notification_text': None}

Index II IMG_20260629_134535.jpg needs your check

kind
index2_input

extracted
pin: I CANNOT TELL; rows: {'r4_palika': 'कल्याण-डोंबिवली', 'r11_serial': '4094/2019', 'r14_remark': 'मुल्यांकनासाठी विचारात घेतलेला तपशील:-: मुद्रांक शुल्क आकारताना निवडलेला अनुच्छेद :- : (i) within the limits of any Mun

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': 'I CANNOT TELL', 'rows': {'r4_palika': 'कल्याण-डोंबिवली', 'r11_serial': '4094/2019', 'r14_remark': 'मुल्यांकनासाठी विचारात घेतलेला तपशील:-: मुद्रांक शुल्क आकारताना निवडलेला अनुच्छेद :- : (i) within the limits of any Municipal Corporation or any Cantonment area annexed to it.', 'r4_locality': 'मौजे माणगांव येथील सर्वे नं 2 व हिस्सा नं 10 अ यावरील माउली आरंभ बिल्डिंग मधील सदनिका नं 401 चौथा मजला "सी" विंग', 'r5_area_text': '535 चौ. फूट', 'r7_executants': [{'age': '32', 'pan': 'ABEFM4925B', 'name': 'मेसर्स माउली आरंभ एंटरप्राइझेस तर्फे श्री दिलीप भागा वझे यांचे कु.मु. म्हणून किरण पाटील', 'address': '--, -, -, -, वझे बंगलो, मानपाडा पेट्रोल पंप जवळ, कल्याण शील रोड, मानपाडा गाव डोंबिवली पूर्व, तालुका कल्याण जि. ठाणे, आण्पाडा, MAHARASHTRA, THANE, Non-Government. पिन कोड:-421204'}], 'r8_purchasers': [{'age': '42', 'pan': 'AWQPK1927Q', 'name': 'जनार्दन राया खरात', 'address': '--, -, -, -, सी/4, 55, 34/37, माता रमाबाई आंबेडकर नगर, डॉ. मॉझेस रोड, वरळी प, मुंबई, वॉळी नाका, MAHARASHTRA, MUMBAI, Non-Government. पिन कोड:-400018'}], 'r12_stamp_duty': 120000, 'r3_market_value': 1486110.73, 'r1_document_type': 'करारनामा', 'r2_consideration': 2000000, 'r9_execution_date': '28/03/2019', 'r13_registration_fee': 20000, 'r10_registration_date': '28/03/2019'}, 'doc_no': '4094', 'village': 'मानगाव', 'doc_kind': 'सूची क्र.2', 'doc_year': '2019', 'sro_name': 'सह दु.नि. कल्याण 5', 'area_text': '535 चौ. फूट', 'mortgagee': 'I CANNOT TELL', 'filing_fee': 20000, 'header_sro': 'सह दु.नि. कल्याण 5', 'mortgagors': ['जनार्दन राया खरात'], 'stamp_duty': 120000, 'filing_date': '28/03/2019', 'loan_amount': 2000000, 'token_number': 'I CANNOT TELL', 'property_text': '1) पालिकेचे नावःकल्याण-डोंबिवली इतर वर्णन :, इतर माहितीः मौजे माणगांव येथील सर्वे नं 2 व हिस्सा नं 10 अ यावरील माउली आरंभ बिल्डिंग मधील सदनिका नं 401 चौथा मजला "सी" विंग क्षेत्र 535 चौ फूट बिल्टअप. (49.72 चौ मी) ((Survey Number: 2/10A;))', 'header_village': 'मानगाव', 'survey_numbers': ['2', '10A'], 'header_doc_number': '4094/2019'}}

PAN card IMG_20260629_134424.jpg needs your check

dob
1977-09-14

pan
AWQPK1927Q

name
JANARDHAN R KHARAT

legible
True

father name
RAYA BABU KHARAT

raw reading (for Abhijit)

{'dob': '1977-09-14', 'pan': 'AWQPK1927Q', 'name': 'JANARDHAN R KHARAT', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'RAYA BABU KHARAT', 'aadhaar_last4': None, 'quality_issue': None}

Selfie / photo IMG_20260629_134405.jpg needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}

Sanction letter IMG_20260629_134347.jpg needs your check

lan
NHL/THA/0626/5133380

legible
True

purpose
Non Housing Loan, Personal use

borrowers
{'name': 'JANARDHAN RAYA KHARAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MEGHNA JANARDHAN KHARAT', 'role': 'co_applicant', 'label': 'Applicant'}

confidence
1

rate words
13.15% per annum 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement

loan amount
1385000

rate spread
-3.65

final amount
1454250

interest rate
9.5

sanction date
28-Jun-2026

letter version
5

reference rate
13.15

applicant email
kirankharat149@gmail.com

applicant names
JANARDHAN RAYA KHARAT, MEGHNA JANARDHAN KHARAT

printed altered
False

applicant mobile
9221883865

balance transfer
False

property address
pin: 421204; state: MAHARASHTRA; taluka: Thane; Flat no: 401; district: Thane; Floor: 4TH FLOOR; Address: FLAT NO 401, 4TH FLOOR, C WING, MAULI ARAMBHA, MANGAON, DOMBIVALI EAST, Thane, SURVEY NO 2 HISSA NO 10 A,

insurance premium
69250

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1454250

security address verbatim
FLAT NO 401, 4TH FLOOR, C WING, MAULI ARAMBHA, MANGAON, DOMBIVALI EAST, Thane, SURVEY NO 2 HISSA NO 10 A, Thane, MAHARASHTRA, India, 421204

applicant address verbatim
ROOM NO 92 2ND FLOOR, BRAHMANDEO KRUPA, R D MARG PRABHADEVI,., Mumbai, MAHARASHTRA, 400025, India

raw reading (for Abhijit)

{'lan': 'NHL/THA/0626/5133380', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'JANARDHAN RAYA KHARAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MEGHNA JANARDHAN KHARAT', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': '13.15% per annum\n13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1385000, 'rate_spread': -3.65, 'final_amount': 1454250, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '28-Jun-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'kirankharat149@gmail.com', 'applicant_names': ['JANARDHAN RAYA KHARAT', 'MEGHNA JANARDHAN KHARAT'], 'printed_altered': False, 'applicant_mobile': '9221883865', 'balance_transfer': False, 'property_address': {'pin': '421204', 'road': None, 'state': 'MAHARASHTRA', 'taluka': 'Thane', 'flat_no': '401', 'district': 'Thane', 'floor_no': '4TH FLOOR', 'landmark': None, 'full_address': 'FLAT NO 401, 4TH FLOOR, C WING, MAULI ARAMBHA, MANGAON, DOMBIVALI EAST, Thane, SURVEY NO 2 HISSA NO 10 A, Thane, MAHARASHTRA, India, 421204', 'village_city': 'MANGAON, DOMBIVALI EAST', 'building_name': 'MAULI ARAMBHA, C WING', 'survey_or_cts_no': 'SURVEY NO 2 HISSA NO 10 A'}, 'insurance_premium': 69250, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1454250, 'security_address_verbatim': 'FLAT NO 401, 4TH FLOOR, C WING, MAULI ARAMBHA, MANGAON, DOMBIVALI EAST, Thane, SURVEY NO 2 HISSA NO 10 A, Thane, MAHARASHTRA, India, 421204', 'applicant_address_verbatim': 'ROOM NO 92 2ND FLOOR, BRAHMANDEO KRUPA, R D MARG PRABHADEVI,., Mumbai, MAHARASHTRA,\n400025, India'}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Paid challan (GRAS) JANARDHAN R KHARAT EchallanMH005430134202627E.pdf needs your check

grn
MH005430134202627E

pin
421204

total
11645.0

article
6(1)

defaced
False

bank cin
03006172026062901144

district
THANE

area city
THANE, MAHARASHTRA

payer pan
AWQXXXXXXQ

flat block
FLAT NO. 401, 4TH FLOOR, C WING, MAULI

payer name
JANARDHAN R KHARAT

sro office
KLN5_KALYAN 5 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA=1454250

scheme rows
{'amount': 4368.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7277.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX3865

payment date
29/06/2026-16:20:26

road locality
AARAMBH, SURVEY NO. 2, HISSA NO. 10A, MANGAON, DOMBIVALI EAST

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1454250

raw reading (for Abhijit)

{'grn': 'MH005430134202627E', 'pin': '421204', 'total': 11645.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026062901144', 'district': 'THANE', 'area_city': 'THANE, MAHARASHTRA', 'payer_pan': 'AWQXXXXXXQ', 'flat_block': 'FLAT NO. 401, 4TH FLOOR, C WING, MAULI', 'payer_name': 'JANARDHAN R KHARAT', 'sro_office': 'KLN5_KALYAN 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD-CA=1454250', 'scheme_rows': [{'amount': 4368.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7277.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX3865', 'payment_date': '29/06/2026-16:20:26', 'road_locality': 'AARAMBH, SURVEY NO. 2, HISSA NO. 10A, MANGAON, DOMBIVALI EAST', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1454250'}

E-filing copy (token) eFilingDoc9990907260569.pdf needs your check

sro
SHP

kind
efiling_copy

token
9990907260569

legible
True

property
road: DOMBIVALI EAST ROAD,THANE; unit: 401; floor: 4; taluka: Kalyan; numbers: [{'type': 'Survey Number', 'value': '2'}, {'type': 'HISSA NUMBER', 'value': '10 A'}]; village: Managav; building: C WING,MAULI AARAMBHA BLDG;

mortgagee
PNB HOUSING FINANCE LTD

mortgagors
{'pan': 'AWQPK1927Q', 'name': 'JANARDHAN R KHARAT', 'address': 'Flat No:92, Floor No:2ND, Building Name:ROOM NO 92 2ND FLOOR, BRAHMANDEO KRUPA, Road:R D MARG PRABHADEVI,MUMBAI, City:MUMBAI, State:MAHARASHTRA, District:MU

title deed
Agreement to Sale :4094/2019 SRO KALYAN-5

filing date
2026-07-14

loan amount
1454250.0

payment lines
{'ref': 'MH005430134202627E', 'head': 'Stamp Duty', 'dated': '29/06/2026', 'amount': 4363.0, 'ref_kind': 'GRN'}, {'ref': 'MH005430134202627E', 'head': 'Filing Fee', 'dated': '29/06/2026', 'amount': 7280.0, 'ref_kind': 'G

date of mortgage
2026-07-09

raw reading (for Abhijit)

{'sro': 'SHP', 'kind': 'efiling_copy', 'token': '9990907260569', 'legible': True, 'property': {'pin': None, 'road': 'DOMBIVALI EAST ROAD,THANE', 'unit': '401', 'floor': '4', 'taluka': 'Kalyan', 'numbers': [{'type': 'Survey Number', 'value': '2'}, {'type': 'HISSA NUMBER', 'value': '10 A'}], 'village': 'Managav', 'building': 'C WING,MAULI AARAMBHA BLDG', 'district': 'Thane', 'area_text': '49.72 Sq.mt.', 'local_body': 'MOUJE MANAGAV', 'description': None, 'property_type': None}, 'mortgagee': 'PNB HOUSING FINANCE LTD', 'mortgagors': [{'pan': 'AWQPK1927Q', 'name': 'JANARDHAN R KHARAT', 'address': 'Flat No:92, Floor No:2ND, Building Name:ROOM NO 92 2ND FLOOR, BRAHMANDEO KRUPA, Road:R D MARG PRABHADEVI,MUMBAI, City:MUMBAI, State:MAHARASHTRA, District:MUMBAI, Pin:400025'}], 'title_deed': 'Agreement to Sale :4094/2019 SRO KALYAN-5', 'filing_date': '2026-07-14', 'loan_amount': 1454250.0, 'payment_lines': [{'ref': 'MH005430134202627E', 'head': 'Stamp Duty', 'dated': '29/06/2026', 'amount': 4363.0, 'ref_kind': 'GRN'}, {'ref': 'MH005430134202627E', 'head': 'Filing Fee', 'dated': '29/06/2026', 'amount': 7280.0, 'ref_kind': 'GRN'}, {'ref': '0726139013747', 'head': 'Document Handling Charges', 'dated': '13/07/2026', 'amount': 300.0, 'ref_kind': 'PRN'}], 'date_of_mortgage': '2026-07-09'}

Index II JANARDHAN R KHARAT IndexII9990907260569.pdf needs your check

extracted
pin: 400022; doc_no: 1562; village: Managav; doc_kind: INDEX II; doc_year: 2026; sro_name: S.R. Shahapur; area_text: 1) Build Area: 50 / Open Area: 0 Sq.mt.; mortgagee: PNB HOUSING FINANCE LTD; filing_fee: 7580; header_s

reconcile
fields: {'village': {'ok': False, 'got': 'Managav', 'score': 0.714, 'expected': 'Mangaon'}, 'survey_no': {'ok': True, 'got': ['2', '10 A'], 'expected': '2'}, 'mortgagors': [{'ok': True, 'got': 'JANARDHAN R KHARAT', 'scor

raw reading (for Abhijit)

{'extracted': {'pin': '400022', 'rows': None, 'doc_no': '1562', 'village': 'Managav', 'doc_kind': 'INDEX II', 'doc_year': '2026', 'sro_name': 'S.R. Shahapur', 'area_text': '1) Build Area: 50 / Open Area: 0 Sq.mt.', 'mortgagee': 'PNB HOUSING FINANCE LTD', 'filing_fee': 7580, 'header_sro': 'S.R. Shahapur', 'mortgagors': ['JANARDHAN R KHARAT'], 'stamp_duty': 4363, 'filing_date': '2026-07-17', 'loan_amount': 1454250, 'token_number': '1562/2026', 'property_text': '1) Corporation: Kalyana-donbivali Other details: Building Name:C WING, MAULI AARAMBHA BLDG, Floor No:4, Flat No:401, Road:DOMBIVALI EAST ROAD,THANE, Block Sector:MOUJE MANAGAV (Survey Number: 2 ; HISSA NUMBER: 10 A ;)', 'header_village': 'Managav', 'survey_numbers': ['2', '10 A'], 'header_doc_number': None}, 'reconcile': {'fields': {'village': {'ok': False, 'got': 'Managav', 'score': 0.714, 'expected': 'Mangaon'}, 'survey_no': {'ok': True, 'got': ['2', '10 A'], 'expected': '2'}, 'mortgagors': [{'ok': True, 'got': 'JANARDHAN R KHARAT', 'score': 1.0, 'expected': 'JANARDHAN R KHARAT'}], 'loan_amount': {'ok': True, 'got': 1454250, 'expected': 1454250}, 'token_number': {'ok': False, 'got': '1562/2026', 'expected': '9990907260569'}, 'building_name': {'ok': False, 'got': '1) Corporation: Kalyana-donbivali Other details: Building Name:C WING, MAULI AAR', 'score': 0.755, 'expected': 'Mauli Aarambh Building, C Wing'}}, 'reasons': ['token_number: document says 1562/2026, case says 9990907260569', "village: document says 'Managav', case says 'Mangaon' (0.71)", "building 'Mauli Aarambh Building, C Wing' not clearly present in property description (0.75)"], 'verdict': 'mismatch'}}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

{'payments_inside': {'payments': []}}

Payment screenshot IMG-20260629-WA0012.jpg needs your check

payments inside
bank: Bank of Baroda; kind: payment_screenshot; payments: [{'utr': '618055661319', 'date': '2026-06-29', 'page': 1, 'time': '10:22', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 13435.0, 'direction': 'credit', 'nar

raw reading (for Abhijit)

{'payments_inside': {'bank': 'Bank of Baroda', 'kind': 'payment_screenshot', 'payments': [{'utr': '618055661319', 'date': '2026-06-29', 'page': 1, 'time': '10:22', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 13435.0, 'direction': 'credit', 'narration': 'To: THINKBIGZ INITIATIVE PVT LTD 9892834356-2@okbizaxis From: JANARDHAN RAYA KHARAT (Bank of Baroda) Google Pay kirankharat149@okicici Google transaction ID CICAgNjD9tu7Ug', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '7195', 'account_holder': 'JANARDHAN RAYA KHARAT'}}

Technical record (for Abhijit — safe to ignore)

1d ago	EzDocs	reader_home_address	{'fp': 'b12bd5d7c1b60c80', 'from': 'the sanction letter (IMG_20260629_134347.jpg)', 'home': {'pin': '400025', 'area': 'PRABHADEVI', 'flat': 'ROOM NO 92', 'road': 'R D MARG', 'floor': '2ND FLOOR', 'state': 'MAHARASHTRA',
9d ago	EzDocs	hidden_payment_scan	{'file': 'IMG-20260629-WA0012.jpg', 'kind': 'payment_screenshot', 'found': 0, 'doc_id': '6b3f1276-8b7b-461c-8963-ec17e6d6b299', 'fetched': True}
9d ago	EzDocs	hidden_payment_scan	{'file': 'image001.png', 'kind': None, 'found': 0, 'doc_id': 'c7ba4805-1de9-4071-b362-8444952d67a3', 'fetched': True}
9d ago	EzDocs	hidden_payment_scan	{'file': 'image001.png', 'kind': None, 'found': 0, 'doc_id': '213ac758-f22f-447b-9f1a-53f33118a397', 'fetched': True}
9d ago	EzDocs	closed_from_desk_words	{'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"}
9d ago	EzDocs	draft_withdrawn	{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ['Dear Team,\n\nWith reference to the captioned case (LAN: NHL/THA/0626/5133
9d ago	EzDocs	efiling_found_on_case	{'now': 'FILED', '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': 'the pape
9d ago	EzDocs	title_doc_on_case_filing_open	{'was': 'BANK', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'IMG_20260629_134535.jpg', 'kind': 'index2'}
9d ago	EzDocs	challan_found_on_case	{'was': 'AWAITING_DOCS', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'JANARDHAN R KHARAT EchallanMH005430134202627E.pdf', 'kind': 'pa
9d 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 AWxxxxxxXQ — no paper on the
9d ago	EzDocs	file_note490	{'v': '1', 'at': '2026-10-05T10:38:39', 'why': 'reading', 'open': 8, 'mails': [{'at': '2026-10-05 10:29', 'id': '1a10b9d51ca47f37', 'from': 'branch', 'gist': 'The branch asks for the NOI Index II on an urgent basis.', 's
9d ago	EzDocs	case_read	{'how': 'uri', 'tag': '541d95cec88f4ecf', 'docs': ['IMG_20260629_134535.jpg', 'JANARDHAN R KHARAT IndexII9990907260569.pdf', 'IMG_20260629_134347.jpg', 'IMG_20260629_134424.jpg'], 'loan': {'amount': 1454250, 'made_of':
9d ago	EzDocs	email_shadowed:doc_chase	{'to': 'mahesh.mondkar@pnbhousing.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/THA/0626/5133380), the following is pending from your end:\n\n 1. Kindly confirm the total loan amount (with
9d ago	EzDocs	claim_inside_desk_buffer	{'gap': 35.83, 'why': "the branch paid the statutory figure with the DHC the branch's table prints (₹300) — the ₹20 DHC margin and our round-ups are the NOI team's buffer; counted as paid in full — nothing to ask for (th
9d ago	EzDocs	expectation_recorded_silently	{'why': 'the thread already holds a challan — no quote mail, but the figure is needed to judge the payment', 'note': 'no mail was written — this is only the figure every screenshot and credit SMS is checked against', 'exp
9d ago	EzDocs	claim_applied_on_quote	{'utr': '618055661319', 'parts': 1, 'claimed_total': 13435.0}
9d ago	EzDocs	receivable_created	{'expected': 13470.83}
9d ago	EzDocs	draft_withdrawn	{'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 1, 'first_lines': ['Dear Team,\n\nWith reference to the captioned case (LAN: NHL/THA/0626/5133
9d ago	EzDocs	efiling_found_on_case	{'now': 'FILED', 'was': 'EXTRACTION_REVIEW', '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': 'NOI
9d 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': 6}
9d ago	EzDocs	thread_documents_backfilled	{'why': None, 'stored': 10, 'mailbox': 'pnb.noifilling@gmail.com', 'skipped': 0, 'messages': 6, 'unreadable_threads': 0}
9d ago	EzDocs	document_received	{'file': 'image001.png', 'doc_type': 'other', 'confidence': 0.5}
9d ago	EzDocs	index2_mismatch	{'token': '9990907260569', 'reasons': ['token_number: document says 1562/2026, case says 9990907260569', "village: document says 'Managav', case says 'Mangaon' (0.71)", "building 'Mauli Aarambh Building, C Wing' not clea
9d ago	EzDocs	document_received	{'file': 'JANARDHAN R KHARAT IndexII9990907260569.pdf', 'doc_type': 'index2', 'confidence': 1.0}
9d ago	EzDocs	dhc_prn_read	{'prn': '0726139013747', 'why': "the Document Handling Charges' PRN, as the filed notice prints it — beside the challan's GRN in the MIS", 'file': 'eFilingDoc9990907260569.pdf', 'from': "the filed notice's own text", 'gr
9d ago	EzDocs	efiling_copy_read	{'why': "the filed notice, read back as we's own e-filing sample for the bank", 'file': 'eFilingDoc9990907260569.pdf', 'token': '9990907260569', 'doc_id': '48680a9c-df74-4175-8a56-409addece66f', 'mortgagors': 1}
9d ago	EzDocs	document_received	{'file': 'eFilingDoc9990907260569.pdf', 'doc_type': 'efiling', 'confidence': 0.9}
9d 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': 'KLN5_KALYAN 5 JOINT SUB REGISTRAR', 'district': 'THANE'}
9d ago	EzDocs	challan_verified_against_case	{'grn': 'MH005430134202627E', 'file': 'JANARDHAN R KHARAT EchallanMH005430134202627E.pdf', 'checked': ['payer name']}
9d ago	EzDocs	challan_extracted	{'grn': 'MH005430134202627E', 'heads': ['0030046401', '0030063301'], 'total': 11645.0}

Case diary the case’s history — what happened, newest day first

Papers

1 still needed for the challan

Applicant's Aadhaar Card

Money

₹13,435 claimed · credit not seen

Counts as received only on the credit SMS or a person's Verify.

Challan & filing

Done — Index II shared

The case is closed.

Next — whose move

No one

done

For you to check: The work is done — our fee of ₹13,470.83 is still not in our account. Chase the branch for it.

5 Oct35 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.