⚠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.
Abhijit Atmaram Patil
LAN 77000353994Loan ₹19,61,754NOIWaiting for the Index IIMails & papers 10 1 draft to send
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
1 Oct, 17:08
Documents
took 5d 22h · Copilot
Payment
took 15m
Challan
done 7 Oct, 16:20 · GRAS ↗
Filing
waiting 6d 5h · IGR e-filing ↗
E-filing copy
the token to the branch
Index II
the government, then the branch
waiting on the branchChallan paid · the trail says: The branch has sent the loan documents and the team has provided the fee calculation. The team is now waiting for the branch to pay the fee.whole case so far 12d 5h
Needs your eyes2
Challan on file does not agree with the case. Open it before paying or sharing.
GPay ₹17,770 announced at 10:17 has not settled into the PNB account (due 14:17). Paste PNB statement (SMS page) or Check Settlements in GPay Business.
CONFIRM THE PROPERTY — then file
The engine read these from the technical report. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.
District
NAVI MUMBAI
Taluka
PANVEL
Village
TALOJA
Number type
SECTOR
Number
39
Building
BUILDING NO. EB35, RAIGAD RESIDENCY
Floor
17TH
Flat / shop no
FLAT NO 1701
Area
27.50
Hadd
NAVI MUMBAI MUNICIPAL CORPORATION
Read from the technical report, not the Index II. HRQ-26-172562_INDProcessRequest_2500320261007154429044.pdf open it · If an Index II is on file, read the property from it.
✗ EzDocs found boxes that do NOT agree with the document (6d ago) — open the verification page; they are marked in red.
NEXT STEPwaiting on the branch
Wait for the branch's Index II, then file the NOI
The challan is paid.
The branch has not sent the title document (the Index II of the sale deed, or the sale deed) — the e-filing starts from its document number. The engine asked for it with the challan mail and asks again every few days. In hand? Upload it under ⋯ → Papers.
Before opening the portal, the engine sees:
• Mortgagor pages: MANE SWATI BHAGVAN is NOT typed — the branch's mail names the property owner as ABHIJIT ATMARAM PATIL — this person is a borrower on the letter, not an owner (the mail: "Property Owner is - Mr. ABHIJIT ATMARAM PATIL"). The notice is filed by the owners.
• Mortgagor pages: SWATI BHAGVAN MANE is on the sanction letter but the branch's mail names the owner as ABHIJIT ATMARAM PATIL — a borrower, not a mortgagor: no page
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• check — District: the papers' taluka PANVEL is listed under RAIGAD on the government's list, but the district is NAVI MUMBAI — read the paper
• 16 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, attr1_type
• changed — district: the case held NAVI MUMBAI; filled RAIGAD — the whole-file reading, from the technical report, reads it so
How — one e-filing tab, the co-pilot fills
Press the button; 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. Not logged in yet today? open the portal. The co-pilot creates the token from the Date of Mortgage, opens each page and fills it, checked by EzDocs; you check, do photo and thumb, press each Save and the final submit. Then press Filed on IGR so the branch hears it. New to it? Rehearse on the practice copy.
The made challan does not match the case: district on the challan 'RAIGAD' — the case says 'NAVI MUMBAI' — open the challan file and check before anything is shared.
Historywhat happened on this case, newest first
10 Oct2 things
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03103 | 77000353994
An old draft withdrew itself — its asks were already answered
8 Oct3 things — 3 steps
gpay not settled yet
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
7 Oct54 things — 4 documents received · 3 letters written · 3 cautions · 44 steps
Judged again with today's rules, the challan still does not match the case — a person opens it
allotment read — by ezdocs:reader
Checked: this challan is not another case's
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
The made challan does NOT match the case — check before sharing
Check the challan against the case before it is shared.
challan extracted
Received: Challan
ABHIJIT ATMARAM PATIL EchallanMH011558017202627E.pdf
copilot edit — by copilot:Nikhil
allotment read — by ezdocs:reader
allotment read — by ezdocs:reader
paper locate — by ezdocs:reader
calc figure452 — by copilot:Nikhil
property self check
copilot check issues — by copilot
form checked489
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
claim part duplicate
reader verdict — by ezdocs:reader
address check hold — by copilot
challan boxes by rules
reader mail addition — by ezdocs:reader
The home address was read off the papers — by ezdocs:reader
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
Wrote the documents acknowledged mail — held, silent mode
Re: Request to NOI - case of - ABHIJIT ATMARAM PATIL // 77000353994 //
acknowledged with advice
address compared
documents read together
Property checked by the engine — read from the report, every box that names the flat is there
Property re-read from this bank's ruling source (ICICI: the technical report)
Received: Technical report
HRQ-26-172562_INDProcessRequest_2500320261007154429044.pdf
An old draft withdrew itself — its asks were already answered
screenshot claim recorded
Received: Payment screenshot
IMG-20261007-WA0012.jpg
Nothing new to ask for — stayed quiet
desk quote read
file note490
mail against file490 — by ezdocs:reader
file note490
paper against file490 — by ezdocs:reader
money settled — by ezdocs:reader
file note490
Wrote the document chase mail — held, silent mode
Re: Request to NOI - case of - ABHIJIT ATMARAM PATIL // 77000353994 //
An old draft withdrew itself — its asks were already answered
address compared
documents read together
applicant email captured
Received: Sanction letter
KFSLetter_77000353994 (2).pdf
The branch's mail and the sanction letter name different loan amounts — we follow the letter; confirm the mortgage amount
Stamp duty follows the mortgage amount — a wrong base is a wrong challan.
5 Oct3 things — 1 letter written · 2 steps
Nothing new to ask for — stayed quiet
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03103 — pending documents
An old draft withdrew itself — its asks were already answered
1 Oct49 things — 10 documents received · 3 letters written · 36 steps
extra challan scanned
EzDocs read the whole trail as one conversation — where the case stands is on the page
desk quote read
EzDocs read the whole trail as one conversation — where the case stands is on the page
Nothing new to ask for — stayed quiet
quoted history checked
case read — by ezdocs:reader
Wrote the document chase mail — held, silent mode
Request to NOI - case of - ABHIJIT ATMARAM PATIL // 77000353994 //
boxes gathered
address compared
challan boxes by rules
box disagreement
box disagreement
box disagreement
box disagreement
box disagreement
box disagreement
Nothing new to ask for — stayed quiet
property numbers completed
documents read together
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
money settled — by ezdocs:reader
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
card mobile not taken
kyc address read
Received: other
image.png
Received: other
image.png
Property checked by the engine — read from the report, every box that names the flat is there
Received: other
image.png
Property checked by the engine — read from the report, every box that names the flat is there
case read started — by ezdocs:reader
applicant email captured
roles from letter
Received: Aadhaar
Abhi adhar card.jpg
Property re-read from this bank's ruling source (ICICI: the technical report)
Property re-read from this bank's ruling source (ICICI: the technical report)
Received: other
image.png
Co-applicant added
Received: Sanction letter
KFSLetter_77000353994 (1).pdf
Received: Aadhaar
mane adhar card.pdf
Nothing new to ask for — stayed quiet
Received: Technical report
HRQ-26-155760_INDProcessRequest_2500320260911121903019 (2).pdf
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03103
Received: PAN card
mane pan card.jpg
Received: PAN card
abhi pan card.jpg
intake table parsed
property from mail body
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 needs2 still to come
7 of 9 in hand · the challan is done — these are for the filing / KYC
✓PAN cardopen
✓Technical reportopen
✓Aadhaar cardopen
✓Sanction letteropen
✓Paid challan (GRAS)open
✓Property address — verified by the engine, from the technical report (correct below if anything is off)
Applicant's Selfie / Photo — for the e-filing visit later
Index II copy / Title document — for the e-filing visit later
Mails & papers →every paper, beside its mail · 14 files
The file, as the engine remembers it9 open
This file contains the papers for Abhijit Atmaram Patil under loan account 77000353994. The property to be mortgaged is a flat in Taloja, Panvel, Raigad. The primary applicant is verified as the sole property owner via the branch's request email. The loan amount is Rs. 20,00,000. An MOTD is missing,
○the photo — the branch
○the Index II — the branch
○ABHIJIT ATMARAM PATIL — home flat — the branch
○ABHIJIT ATMARAM PATIL — home road — the branch
○MANE SWATI BHAGVAN — e-mail — the branch
○MANE SWATI BHAGVAN — home flat — the branch
○MANE SWATI BHAGVAN — home road — the branch
○property — road / locality — the branch
○this desk's fee (Rs 17770) — the branch
?unsure of date_of_mortgage — The Memorandum of Deposit of Title Deeds (MOTD) is missing from the file, so the date of mortgage cannot be verified.
the branch's last mail (2026-10-07): The branch states payment is done and asks for the challan copy. · brought: payment done; payment screenshot; technical report
read once, kept; every new mail and paper is read against this note · kept 2026-10-07T10:32 UTC
Moneyall of it is in
₹17,770.44
Reached our account 8 Oct 14:54:00.
How we know
Our own bank told us — 8 Oct 14:54
₹17,770 · from GPAY-BIZ
“₹17,770.00 received from Mrs C A G at 2:54 PM The amount will settle in your bank account via NEFT.”
Matched by: AMOUNT ALONE — equals the figure the NOI team quoted · Google's alert; the NEFT is awaited; BUT the screenshot on this case shows another time / transaction id than this credit — an earlier try, or another payment: open the case, compare the screenshot with this SMS, then press Yes or release it
The working
Stamp duty 0.3%5,900
Registration fee 0.5%9,820
Government handling350
Our service fee1,700
Total we ask for17,770.44
By law ₹17,744.03. We ask ₹17,770 (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 technical report
FLAT NO 1701, 17TH, BUILDING NO. EB35, RAIGAD RESIDENCY, SECTOR, 39, TALOJA, 410208
read from the technical report · e-filing boxes 29 of 34 ready
Check the property →the boxes beside the paper
People
MANE SWATI BHAGVAN · co-applicantDYXPM5486CABHIJIT ATMARAM PATIL · applicantEMWPP4953B
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