Cases / NOI-2026-02017

SANIT JANARDAN WAGHMARE

LAN HOU/PNVL/0826/5205597 Index II shared · done All documents Mails & papers 6

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needsall in

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

✓PAN cardopen

✓Payment screenshot — shows ₹11,880; 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

✓Selfie / photoopen

✓Sanction letteropen

✓Aadhaar cardopen

✓Paid challan (GRAS)open

✓E-filing copy (token)open

✓Property address — verified by EzDocs, from the Index II (correct below if anything is off)

All files (9)A label is wrong? Fix it under All documents.

For you to check

The work is done — our fee of ₹11,920.69 is still not in our account. Chase the branch for it.

MoneyWaiting for the credit

₹11,920.69CASE MARK

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

₹0 received — the branch’s receipt claims ₹11,880; we wait for the credit itself

Ask for the exact ₹11,920.69. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%3,790

Registration fee 0.5%6,310

Government handling320

Our service fee1,500.69

Total we ask for11,920.69

Screenshot ₹11,880 — ₹41 under our ask, not below the real calculation ₹11,880. Counts as full. Nothing to ask.
Screenshot ₹11,880 — 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 2026-09-12 — 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 — 59 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹11,900. We ask ₹11,920 (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 46 minour time · 19 Sep 12:11

Index II 72 h 51 minour time · 28 Sep 14:16

the NOI team 9 d 2 htotal 9 d 2 h

Complete.

Day by day — every step and who held it

19 Sep 11:25Your branch's mail

19 Sep 11:29Fee quoted+4 min · the NOI team

19 Sep 11:29Papers readat once

19 Sep 11:29Property readat once

19 Sep 12:11Challan made+42 min · the NOI team

22 Sep 13:37Filed on IGR — e-filing shared+3 d 1 h · the NOI team

28 Sep 14:16Index II sent+6 d · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

₹12,60,000

Loan account no.

HOU/PNVL/0826/5205597

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

CHECKThe PIN code

The sanction letter BASE	410208 … WDE, NAVI MUMBAI, PANVEL, Uran, Raigad, MAHARASHTRA, India, 410208 410208
The Index II DIFFERS	400703 / 400009 … IN codes in the addresses of the executants and purchasers (400703 and 400009), but the schema expects a single PIN.

What to do: The challan and the filing follow the sanction letter, the bank's own paper (PIN 410208). Read the papers once — if PIN 410208 is not right, ask the branch before you pay or file.

Compared: the sanction letter, the Index II. Nothing here is typed or changed by itself.

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

The NOI filing process is complete. All necessary documents have been shared with the branch, including the final Index II.

the history says the next move is with no one — the case is finished — nothing

✓ loan papers sent — done, mail 1 (2026-09-19) “Require document and Payment Receipt attached for your reference”

✓ challan made — done, mail 2 (2026-09-19) “We will initiate the challan for the same.”

✓ challan shared — done, mail 3 (2026-09-19) “PFA challan for your reference.”

✓ Index II / sale deed sent by the branch — done, mail 1 (2026-09-19) “Index II 103 P86.pdf”

✓ filed on the IGR site — done, mail 4 (2026-09-22) “PFA: Downloaded e-filing for your reference..”

✓ e-filing copy shared — done, mail 4 (2026-09-22) “PFA: Downloaded e-filing for your reference..”

✓ NOI Index II shared — done, mail 5 (2026-09-28) “PFA index 2 copy for case closure..”

read over 6 mail(s), last mail 2026-09-28 · read 17d 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 found boxes that do NOT agree with the document (26d 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	MH010455235202627E	9991909260516	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 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

AC akshay.chaudhari@phfl.com phfl.com
19 Sep, 11:25 · 26d ago THE FIRST MAIL — how this case began

Kindly Initiate 0.3% Challan & NOI in case SANIT JANARDAN WAGHMARE - HOU/PNVL/0826/5205597

📎 PHOTO-2026-08-20-16-05-48.jpg ↗📎 619ee641-d498-47bf-9199-c8adc73edc46.JPG ↗📎 Index II 103 P86.pdf ↗📎 IMG_4206.jpg ↗📎 PHOTO-2026-09-18-19-11-16 (1).jpg ↗📎 EAadhaarDoc. sanit.pdf ↗

Dear Team,

Kindly Initiate 0.3% Challan & NOI in case SANIT JANARDAN WAGHMARE/HOU/PNVL/0826/5205597

Require document and Payment Receipt attached for your reference

Loan amount with insurance₹12,60,000

Property Add:-Flat no 103, 1st Floor, plot no.86 MILAN AVENUE PHASE-2 NAWDE PANVEL 410206

Thanks & Regards,

Mobile: +91 8097024529

Akshay Chaudhari

Senior Team Leader 

Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

​

🤖 read: asks for the challan, the e-filing copy; says the fee is paid ✓; documents attached — “Kindly Initiate 0.3% Challan”

3 more mails in between — open

OL The NOI teamTYPED IN GMAIL
19 Sep, 11:47 · 26d ago

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 Sat, 19 Sept 2026 at 11:29, Akshay Chaudhari <akshay.chaudhari@phfl.com>

wrote:

earlier mails quoted below

*Dear Team,*

*Kindly Initiate 0.3% Challan & NOI in case *SANIT JANARDAN
WAGHMARE/HOU/PNVL/0826/5205597

*Require document and Payment Receipt attached for your reference*

*Loan amount with insurance** – 12,60,000/-*

*Property Add:- *Flat no 103, 1st Floor, plot no.86 MILAN AVENUE PHASE-2
NAWDE PANVEL 410206
<https://www.google.com/maps/search/2+NAWDE+PANVEL+410206?entry=gmail&source=g>
​

*Thanks & Regards,*

*Mobile: +91 8097024529 <+91%2080970%2024529>*

*Akshay Chaudhari*

*Senior Team Leader *

*Every 3000 sheets cost 1 tree so please don't print any e-mail unless you
really need it……*[image: cid:image002.gif@01CB6161.0062FB80]

*​*

🤖 read: challan shared — promised for later — “We will initiate the challan for the same.”

OL The NOI teamTYPED IN GMAIL
19 Sep, 12:14 · 26d ago

📎 SANIT JANARDAN WAGHMARE EchallanMH01045523 ↗

Team,

PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Sat, 19 Sept 2026 at 11:47, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

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 <(809)%20724-4974>*

On Sat, 19 Sept 2026 at 11:29, Akshay Chaudhari <akshay.chaudhari@phfl.com>
wrote:

> *Dear Team,*
>
> *Kindly Initiate 0.3% Challan & NOI in case *SANIT JANARDAN
> WAGHMARE/HOU/PNVL/0826/5205597
>
> *Require document and Payment Receipt attached for your reference*
>
> *Loan amount with insurance** – 12,60,000/-*
>
> *Property Add:- *Flat no 103, 1st Floor, plot no.86 MILAN AVENUE PHASE-2
> NAWDE PANVEL 410206
> <https://www.google.com/maps/search/2+NAWDE+PANVEL+410206?entry=gmail&source=g>
> ​
>
> *Thanks & Regards,*
>
> *Mobile: +91 8097024529 <+91%2080970%2024529>*
>
> *Akshay Chaudhari*
>
> *Senior Team Leader *
>
> *Every 3000 sheets cost 1 tree so please don't print any e-mail unless
> you really need it……*[image: cid:image002.gif@01CB6161.0062FB80]
>
> *​*
>

🤖 read: challan shared ✓ — “PFA challan for your reference.”

OL The NOI teamTYPED IN GMAIL
22 Sep, 13:37 · 23d ago

📎 eFilingDoc9992109260549.pdf ↗

TEAM,

PFA: Downloaded e-filing for your reference..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

On Sat, 19 Sept 2026 at 12:14, THINKBIGZ NOI <pnb.noifilling@gmail.com>

wrote:

earlier mails quoted below

Team,
PFA challan for your reference.

*Regards,*

*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*

On Sat, 19 Sept 2026 at 11:47, 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 <(809)%20724-4974>*
>
>
> On Sat, 19 Sept 2026 at 11:29, Akshay Chaudhari <
> akshay.chaudhari@phfl.com> wrote:
>
>> *Dear Team,*
>>
>> *Kindly Initiate 0.3% Challan & NOI in case *SANIT JANARDAN
>> WAGHMARE/HOU/PNVL/0826/5205597
>>
>> *Require document and Payment Receipt attached for your reference*
>>
>> *Loan amount with insurance** – 12,60,000/-*
>>
>> *Property Add:- *Flat no 103, 1st Floor, plot no.86 MILAN AVENUE PHASE-2
>> NAWDE PANVEL 410206
>> <https://www.google.com/maps/search/2+NAWDE+PANVEL+410206?entry=gmail&source=g>
>> ​
>>
>> *Thanks & Regards,*
>>
>> *Mobile: +91 8097024529 <+91%2080970%2024529>*
>>
>> *Akshay Chaudhari*
>>
>> *Senior Team Leader *
>>
>> *Every 3000 sheets cost 1 tree so please don't print any e-mail unless
>> you really need it……*[image: cid:image002.gif@01CB6161.0062FB80]
>>
>> *​*
>>
>

🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference..”

OL The NOI teamTYPED IN GMAIL
28 Sep, 14:16 · 17d ago

📎 IndexII9992109260549.pdf ↗

Dear Team,

PFA index 2 copy for case closure..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 22 Sept 2026 at 13:37, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 19 Sept 2026 at 12:14, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,
PFA challan for your reference.

Regards,
NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 19 Sept 2026 at 11:47, 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 Sat, 19 Sept 2026 at 11:29, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:

Dear Team,

Kindly Initiate 0.3% Challan & NOI in case SANIT JANARDAN WAGHMARE/HOU/PNVL/0826/5205597
Require document and Payment Receipt attached for your reference

Loan amount with insurance – 12,60,000/-

Property Add:- Flat no 103, 1st Floor, plot no.86 MILAN AVENUE PHASE- 2 NAWDE PANVEL 410206
​

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

​

🤖 read: Index II shared ✓ — “PFA index 2 copy for case closure..”

OL The NOI teamTYPED IN GMAIL
28 Sep, 14:17 · 17d ago

Dear Team,

PFA index 2 copy for case closure..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Tue, 22 Sept 2026 at 13:37, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

TEAM,

PFA: Downloaded e-filing for your reference..

Regards, NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 19 Sept 2026 at 12:14, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,
PFA challan for your reference.

Regards,
NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Sat, 19 Sept 2026 at 11:47, 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 Sat, 19 Sept 2026 at 11:29, Akshay Chaudhari < akshay.chaudhari@phfl.com > wrote:

Dear Team,

Kindly Initiate 0.3% Challan & NOI in case SANIT JANARDAN WAGHMARE/HOU/PNVL/0826/5205597
Require document and Payment Receipt attached for your reference

Loan amount with insurance – 12,60,000/-

Property Add:- Flat no 103, 1st Floor, plot no.86 MILAN AVENUE PHASE- 2 NAWDE PANVEL 410206
​

Thanks & Regards,
Mobile: +91 8097024529
Akshay Chaudhari
Senior Team Leader
Every 3000 sheets cost 1 tree so please don't print any e-mail unless you really need it……

​

🤖 read: Index II shared ✓ — “PFA index 2 copy 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
PAN card	PHOTO-2026-08-20-16-05-48.jpg	filed	26d ago
Payment screenshot	619ee641-d498-47bf-9199-c8adc73edc46.JPG	filed	26d ago
Index IIthe branch sent this — an input	Index II 103 P86.pdf	filed	26d ago
Selfie / photo	IMG_4206.jpg	filed	26d ago
Sanction letter	PHOTO-2026-09-18-19-11-16 (1).jpg	filed	26d ago
Aadhaar card	EAadhaarDoc. sanit.pdf	filed	26d ago
Paid challan (GRAS)	SANIT JANARDAN WAGHMARE EchallanMH010455235202627E.pdf	filed	26d ago
E-filing copy (token)	eFilingDoc9992109260549.pdf	filed	23d ago
Index IIthe registered copy we filed	IndexII9992109260549.pdf	filed	17d 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
₹11,920.69

Where it stands
waiting for the credit

Screenshot claims
₹11,880 690162677092

why?

Paid by GPay at 2026-09-12 — 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
₹3,790	₹6,310	₹320	₹1,500	₹11,920

By law ₹11,900. We ask ₹11,920 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage

3 box(es) highlighted — not from the Index II / the Aadhaar, worked out, or EzDocs was not sure: Road, Second number type, Second number

✗ EzDocs found boxes that do NOT agree with the document (26d ago) — open the verification page; they are marked in red.

CHECKED by EzDocs, from the Index II — correct any box that is off; a correction clears thissource: the Index II (Index II 103 P86.pdf) 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)

⚠ not 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 नाव :पनवेल म.न.पा., इतर माहिती : 3.8,दर - 49300/- सदनिका नं. 103. पहिला मजला, मिलन एव्हेन्यु, प्लॉट नं. 86. फेज-2, मौजे-नावडे, नवी मुंबई,तालुका- पनवेल, जिल्हा-रायगड, चटई क्षेत्र 14.237 चौ.मी., युजेबल एन्क्लोज बाल्कनी क्षेत्र 2.399 चौ.मी., सी.बी. क्षेत्र 0.927 चौ.मी. ( प्लॉट नंबर : 86)

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

PHOTO-2026-09-18-19-11-16 (1).jpg

as printed
FLAT NO 103, 1ST FLOOR, PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE-2, NAWDE, NAVI MUMBAI, PANVEL, URAN, RAIGAD, MAHARASHTRA, INDIA, 410208

PIN
410208

the Index II

Index II 103 P86.pdf

the property
1) ) paalikeche naava :panavela ma.na.paa., itara maahiti : 3.8,dara - 49300/- sadanikaa nan. 103, pahilaa majalaa, milana evhenyu, plota nan. 86. pheja-2, mauje-naavade, navi mumbai,taalukaa- panavela, jilhaa-raayagada, chatai kshetra 14.237 chau.mi., yujebala enkloja baalkani kshetra 2.399 chau.mi., si.bi. kshetra 0.927 chau.mi. ( plota nambara : 86)

PIN
I CANNOT TELL: THE DOCUMENT LISTS TWO DIFFERENT PIN CODES IN THE ADDRESSES OF THE EXECUTANTS AND PURCHASERS (400703 AND 400009), BUT THE SCHEMA EXPECTS A SINGLE PIN.

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 103 1ST FLOOR MILAN AVENUE PHASE-2 PLOT NO 86

Locality/Road
NAVI MUMBAI

Area/City
NAWDE

check or correct a box, the papers beside it →

the Index II also prints: 0, 1, 14, 237, 3, 399, 400009, 400703, ADDRESSES, BAALKANI, BI, BUT, CANNOT, CHATAI, CHAU, CODES, DARA, DIFFERENT

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	SANIT JANARDAN WAGHMARE	AAYPW5284C	…8698

All mail records (for Abhijit — safe to ignore)

Template	To	When
documents acknowledged	akshay.chaudhari@phfl.com	26d ago

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

PAN card PHOTO-2026-08-20-16-05-48.jpg needs your check

dob
1983-08-03

pan
AAYPW5284C

name
SANIT JANARDAN WAGHMARE

legible
True

raw reading (for Abhijit)

{'dob': '1983-08-03', 'pan': 'AAYPW5284C', 'name': 'SANIT JANARDAN WAGHMARE', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Selfie / photo IMG_4206.jpg needs your check

kind
live_selfie

legible
True

confidence
1.0

face visible
True

raw reading (for Abhijit)

{'kind': 'live_selfie', 'legible': True, 'confidence': 1.0, 'face_visible': True, 'quality_issue': None}

Payment screenshot 619ee641-d498-47bf-9199-c8adc73edc46.JPG needs your check

utr
690162677092

date
2026-09-12

time
14:35

amount
11880

method
PhonePe UPI

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

debit notification text
Transaction Successful

raw reading (for Abhijit)

{'utr': '690162677092', 'date': '2026-09-12', 'time': '14:35', 'amount': 11880, 'method': 'PhonePe UPI', 'payee_upi': '9892834356-2@okbizaxis', 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': 'Transaction Successful'}

Sanction letter PHOTO-2026-09-18-19-11-16 (1).jpg needs your check

lan
HOU/PNVL/0826/5205597

legible
True

loan type
Housing Loan

confidence
1

loan amount
1200000

final amount
1260000

interest rate
8.9

sanction date
27-Aug-2026

letter version
6

applicant email
sanit.waghmare83@gmail.com

applicant names
SANIT JANARDAN WAGHMARE, AJANTA WAGHMARE

applicant mobile
9773056949

property address
pin: 410208; road: PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE-2; state: MAHARASHTRA; Flat no: 103; district: Raigad; Floor: 1ST FLOOR; Address: FLAT NO 103, 1ST FLOOR, PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE

insurance premium
60000

final amount label
Total Loan Amount

includes insurance
True

total with insurance
1260000

security address verbatim
FLAT NO 103, 1ST FLOOR, PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE-2, NAWDE, NAVI MUMBAI, PANVEL, Uran, Raigad, MAHARASHTRA, India, 410208

applicant address verbatim
ROOM NO.107 SURYODAY BUI, SURYODAY BUILDING IST FLOOR, BALU CHANGU PATIL MARG DONGRI,., Mumbai, MAHARASHTRA, 400009, Mumbai, India

raw reading (for Abhijit)

{'lan': 'HOU/PNVL/0826/5205597', 'legible': True, 'borrowers': [], 'loan_type': 'Housing Loan', 'confidence': 1, 'loan_amount': 1200000, 'final_amount': 1260000, 'interest_rate': 8.9, 'quality_issue': None, 'sanction_date': '27-Aug-2026', 'letter_version': '6', 'applicant_email': 'sanit.waghmare83@gmail.com', 'applicant_names': ['SANIT JANARDAN WAGHMARE', 'AJANTA WAGHMARE'], 'applicant_mobile': '9773056949', 'property_address': {'pin': '410208', 'road': 'PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE-2', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '103', 'district': 'Raigad', 'floor_no': '1ST FLOOR', 'landmark': None, 'full_address': 'FLAT NO 103, 1ST FLOOR, PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE-2, NAWDE, NAVI MUMBAI, PANVEL, Uran, Raigad, MAHARASHTRA, India, 410208', 'village_city': 'NAWDE, NAVI MUMBAI, PANVEL, Uran', 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': 60000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1260000, 'security_address_verbatim': 'FLAT NO 103, 1ST FLOOR, PLOT NO 86, MILAN AVENUE, PLOT NO 86, PHASE-2, NAWDE, NAVI MUMBAI, PANVEL, Uran, Raigad, MAHARASHTRA, India, 410208', 'applicant_address_verbatim': 'ROOM NO.107 SURYODAY BUI, SURYODAY BUILDING IST FLOOR, BALU CHANGU PATIL MARG DONGRI,., Mumbai, MAHARASHTRA, 400009, Mumbai, India'}

Aadhaar card EAadhaarDoc. sanit.pdf needs your check

dob
1983-08-03

name
Sanit Janardan Waghmare

mobile
9773056949

address
pin: 400009; area: Dongri, Near St Josef Primary School; flat: 107; road: 1st Balu Changu patil Marg; floor: 1st Floor; state: Maharashtra; building: Suryoday Building; district: Mumbai; Village: Mumbai

legible
True

aadhaar last4
8698

raw reading (for Abhijit)

{'dob': '1983-08-03', 'pan': None, 'name': 'Sanit Janardan Waghmare', 'mobile': '9773056949', 'address': {'pin': '400009', 'area': 'Dongri, Near St Josef Primary School', 'flat': '107', 'road': '1st Balu Changu patil Marg', 'floor': '1st Floor', 'state': 'Maharashtra', 'building': 'Suryoday Building', 'district': 'Mumbai', 'post_office': None, 'village_city': 'Mumbai'}, 'legible': True, 'aadhaar_last4': '8698', 'quality_issue': None}

Index II Index II 103 P86.pdf needs your check

kind
index2_input

extracted
pin: I CANNOT TELL: The document lists two different PIN codes in the addresses of the executants and purchasers (400703 and 400009), but the schema expects a single PIN.; rows: {'r4_palika': 'पनवेल म.न.पा.', 'r11_serial

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': 'I CANNOT TELL: The document lists two different PIN codes in the addresses of the executants and purchasers (400703 and 400009), but the schema expects a single PIN.', 'rows': {'r4_palika': 'पनवेल म.न.पा.', 'r11_serial': '15690/2026', 'r14_remark': '(दोन) कोणत्याही नगरपालिका किंवा नगर पंचायत किंवा स्थालगत असलेल्या कोणत्याही कटक क्षेत्राच्या हद्दीत किंवा मुंबई महानगर प्रदेश ॥विकास प्रा ॥धिकरणाच्या हद्दीत असलेल्या कोणत्याही ग्रामीण क्षेत्रात, किंवा मुंबई मुद्रांक (मालमत्तेच्या प्रत्यक्ष बाजार मूल्याचे निधारण) नियम, 1995 अन्वये प्रकाशित झालेल्या वार्षिक विवरणपत्रातील दराप्रमाण प्रभाव क्षेत्रात.', 'r4_locality': 'सदनिका नं. 103, पहिला मजला, मिलन एव्हेन्यु, प्लॉट नं. 86. फेज-2, मौजे-नावडे, नवी मुंबई,तालुका- पनवेल, जिल्हा-रायगड', 'r5_area_text': '14.237 . मीटर', 'r7_executants': [{'age': '40', 'pan': None, 'name': 'मे.मिलन प्रॉपर्टीज तर्फे भागीदार जयेश मनजी चांभरीया', 'address': 'प्लॉट नं : 0, माळा नं : 0, इमारतीचे नाव : ., ब्लॉक नं : ., रोड नं : 113,सेंट्रल फॅसिलिटी बिल्डींग नं.1, फेज -2, मसाला मार्केट,वाशी, नवी मुंबई, महारा महाराष्ट्र, ठाणे. 400703'}], 'r8_purchasers': [{'age': '43', 'pan': None, 'name': 'सनित जनार्दन वाघमारे', 'address': 'प्लॉट नं : 0, माळा नं : 0, इमारतीचे नाव : ., ब्लॉक नं : ., रोड नं : 107, सुर्योदय बिल्डींग, पहिला मजला, बाळू चांगु पाटील मार्ग, डोंगरी, मुंबई, महाराष्ट्र, मुम्बई. 400009'}, {'age': '37', 'pan': None, 'name': 'अजंता सनित वाघमारे', 'address': 'प्लॉट नं : 0, माळा नं : 0, इमारतीचे नाव : ., ब्लॉक नं : ., रोड नं : 107, सुर्योदय बिल्डींग, पहिला मजला, बाळू चांगु पाटील नार्ग, डोंगरी, मुंबई.., , महाराष्ट्र, मुम्बई. 400009'}], 'r12_stamp_duty': 126400, 'r3_market_value': 936009.8, 'r1_document_type': 'करारनामा', 'r2_consideration': 1805500, 'r9_execution_date': '03-09-2026', 'r13_registration_fee': 18100, 'r10_registration_date': '03-09-2026'}, 'doc_no': '15690', 'village': 'नावडे', 'doc_kind': 'INDEX II Regn: 63m', 'doc_year': '2026', 'sro_name': 'सह दु.नि.पनवेल 3', 'area_text': 'चटई क्षेत्र 14.237 चौ.मी., युजेबल एन्क्लोज बाल्कनी क्षेत्र 2.399 चौ.मी., सी.बी. क्षेत्र 0.927 चौ.मी.', 'mortgagee': "I CANNOT TELL: The document lists two parties under 'दस्तऐवज करून घेणाऱ्या पक्षकारांचे नाव' (receiving party), but the schema expects a single mortgagee string. The names are 'सनित जनार्दन वाघमारे' and 'अजंता सनित वाघमारे'.", 'filing_fe

Payment screenshot 619ee641-d498-47bf-9199-c8adc73edc46.JPG needs your check

payments inside
bank: YES BANK; kind: payment_screenshot; payments: [{'utr': '690162677092', 'date': '2026-09-12', 'page': 1, 'time': '14:35', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 11880.0, 'direction': 'debit', 'narration'

raw reading (for Abhijit)

{'payments_inside': {'bank': 'YES BANK', 'kind': 'payment_screenshot', 'payments': [{'utr': '690162677092', 'date': '2026-09-12', 'page': 1, 'time': '14:35', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 11880.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2609121435368086131671', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '7233', 'account_holder': None}}

Paid challan (GRAS) SANIT JANARDAN WAGHMARE EchallanMH010455235202627E.pdf needs your check

grn
MH010455235202627E

pin
410208

total
10100.0

article
6(1)

defaced
False

bank cin
03006172026091900244

district
RAIGAD

area city
PANVEL

payer pan
AAYXXXXXXC

flat block
FLAT NO 103 1ST FLOOR MILAN AVENUE

payer name
SANIT JANARDAN WAGHMARE

sro office
PNL3_PANVEL 3 JOINT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1260000

scheme rows
{'amount': 3790.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 6310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX6949

payment date
19/09/2026-12:11:33

road locality
NAWDE, NAVI MUMBAI, PANVEL, RAIGAD

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
1260000

raw reading (for Abhijit)

{'grn': 'MH010455235202627E', 'pin': '410208', 'total': 10100.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026091900244', 'district': 'RAIGAD', 'area_city': 'PANVEL', 'payer_pan': 'AAYXXXXXXC', 'flat_block': 'FLAT NO 103 1ST FLOOR MILAN AVENUE', 'payer_name': 'SANIT JANARDAN WAGHMARE', 'sro_office': 'PNL3_PANVEL 3 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1260000', 'scheme_rows': [{'amount': 3790.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 6310.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX6949', 'payment_date': '19/09/2026-12:11:33', 'road_locality': 'NAWDE, NAVI MUMBAI, PANVEL, RAIGAD', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1260000'}

E-filing copy (token) eFilingDoc9992109260549.pdf needs your check

sro
PNL2

kind
efiling_copy

token
9992109260549

legible
True

property
road: RAIGAD; unit: 103; floor: 1ST; taluka: Panavel; numbers: [{'type': 'Plot Number', 'value': '86'}]; village: Navade; building: MILAN AVENUE PHASE - 2; district: Raigad; area_text: Carpet : 14.23 Sq.mt.; local_body:

mortgagee
PNB HOUSING FINANCE LTD

mortgagors
{'pan': 'AAYPW5284C', 'name': 'SANIT JANARDAN WAGHMARE', 'address': 'Flat No:107, Floor No:1ST, Building Name:ROOM NO 107 SURYODAY BUILDING,BALU CHANGU PATIL, Road:BALU CHANGU PATIL MARG,DONGRI,MUMBAI, City:MUMBAI, State

title deed
Agreement to Sale :15690/2026 SRO PANVEL-3

filing date
2026-09-22

loan amount
1260000

date of mortgage
2026-09-21

raw reading (for Abhijit)

{'sro': 'PNL2', 'kind': 'efiling_copy', 'token': '9992109260549', 'legible': True, 'property': {'pin': None, 'road': 'RAIGAD', 'unit': '103', 'floor': '1ST', 'taluka': 'Panavel', 'numbers': [{'type': 'Plot Number', 'value': '86'}], 'village': 'Navade', 'building': 'MILAN AVENUE PHASE - 2', 'district': 'Raigad', 'area_text': 'Carpet : 14.23 Sq.mt.', 'local_body': 'MOUJE NAWDE, NAVI MUMBAI, PANVEL, RAIGAD', 'description': None, 'property_type': None}, 'mortgagee': 'PNB HOUSING FINANCE LTD', 'mortgagors': [{'pan': 'AAYPW5284C', 'name': 'SANIT JANARDAN WAGHMARE', 'address': 'Flat No:107, Floor No:1ST, Building Name:ROOM NO 107 SURYODAY BUILDING,BALU CHANGU PATIL, Road:BALU CHANGU PATIL MARG,DONGRI,MUMBAI, City:MUMBAI, State:MAHARASHTRA, District:MUMBAI, Pin:400009'}], 'title_deed': 'Agreement to Sale :15690/2026 SRO PANVEL-3', 'filing_date': '2026-09-22', 'loan_amount': 1260000, 'date_of_mortgage': '2026-09-21'}

Technical record (for Abhijit — safe to ignore)

7h ago	EzDocs	draft_withdrawn	{'why': "the team's own mail of 19 Sep, 11:47 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack_docs']}
16d 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 AAxxxxxxXC — no paper on the
17d 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"}
17d ago	EzDocs	trail_read	{'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'challan', 'challan_shared', 'index
17d ago	EzDocs	desk_documents_backfill	{'why': "the NOI team mailed this before EzDocs kept its outputs; fetched again so the bank's window can open the challan / download the Index II", 'stored': 0, 'mailbox': 'pnb.noifilling@gmail.com', 'subject': 'Re:
17d 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': 'IndexII999210926054
23d ago	EzDocs	trail_read	{'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_sha
23d ago	EzDocs	efiling_copy_read	{'why': "the filed notice, read back as we's own e-filing sample for the bank", 'file': 'eFilingDoc9992109260549.pdf', 'token': '9992109260549', 'doc_id': '90f83acd-19f8-430a-bb70-356ea3e76274', 'mortgagors': 1}
23d ago	EzDocs	efiling_found_on_case	{'now': 'AWAITING_INDEX2', 'was': 'FILING_IN_PROGRESS', '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.', 'tri
23d 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': 'eFilingDoc999210926
24d ago	EzDocs	match_undone	{'ref': 'AXNGG26241918078', 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 44550.0, 'reason': 'amount-only match
24d ago	EzDocs	case_reevaluated	{'stage_after': 'FILING_IN_PROGRESS'}
24d ago	EzDocs	gpay_lump_split	{'utr': 'AXNGG26241918078', 'why': "Google's daily settlement landed as ONE NEFT for several GPay payments; the branches' own screenshot amounts add up to it in exactly one way — this case's share is its screenshot amoun
24d ago	EzDocs	payment_verified	{'utr': 'AXNGG26241918078', 'why': "paid ₹11,880, ₹41 under our ask of ₹11,921 — 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; accept
24d ago	EzDocs	receivable_snapshot	{'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': None, 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None},
26d ago	copilot	copilot_check_ok	{'why': 'EzDocs audited what the portal page holds against the case before the person pressed Save', 'page': 'mortgagee', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 24}
26d ago	copilot	efiling_token_differs	{'why': 'the portal issued a token that is not the one on the case — a second draft was started; the case keeps the first, a person decides', 'portal': '9991909260524', 'on_case': '9991909260516'}
26d ago	copilot	copilot_check_ok	{'why': 'EzDocs audited what the portal page holds against the case before the person pressed Save', 'page': 'mortgagee', 'notes': '', 'issues': [], 'method': 'ai', 'checked': 24}
26d ago	copilot	efiling_token_from_portal	{'why': 'the portal issued this token when the Date of Mortgage was entered; the co-pilot read it off the page and wrote it here', 'token': '9991909260516'}
26d ago	EzDocs	trail_read	{'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_sha
26d 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': 'SANIT JANARDAN WAGHMARE EchallanMH010455235202627E.pdf', 'kind':
26d 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': 'SANIT JANARDAN WAGH
26d 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': 'PNL3_PANVEL 3 JOINT SUB REGISTRAR', 'district': 'RAIGAD'}
26d ago	EzDocs	challan_verified_against_case	{'grn': 'MH010455235202627E', 'file': 'SANIT JANARDAN WAGHMARE EchallanMH010455235202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
26d ago	EzDocs	challan_extracted	{'grn': 'MH010455235202627E', 'file': 'SANIT JANARDAN WAGHMARE EchallanMH010455235202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 10100.0}
26d ago	EzDocs	trail_read	{'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'index2_sent'], 'mails'
26d ago	copilot	copilot_check_issues	{'why': 'EzDocs audited what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'box': 'Office', 'why': 'The office name has an underscore instead of a
26d ago	copilot	copilot_check_issues	{'why': 'EzDocs audited what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'box': 'Office', 'why': 'The office name has an underscore instead of a
26d ago	copilot	copilot_check_issues	{'why': 'EzDocs audited what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'box': 'Office', 'why': 'The office name has an underscore instead of a
26d ago	EzDocs	challan_boxes_by_rules	{'fp': 'e2303c8e6dce3b4e', 'why': "EzDocs's city is not the case's village / city (PANVEL)"}

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

Papers

All 8 in hand

Nothing more to ask the branch for

Money

₹11,880 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 ₹11,920.69 is still not in our account. Chase the branch for it.

Today · 15 Oct1 thing

An old draft withdrew itself — its asks were already answered

12:20

28 Sep5 things — 1 document received · 1 letter written · 3 steps

Closed from the NOI team's own words — the Index II was already shared with the branch

Nothing more to do on this case.