Mukesh Bhika Bhavsar
everything the challan needs, and where each one stands
- The fee is verified but this case still reads as waiting for payment. Catching up now — this page refreshes itself.
why?
Day by day — every step and who held it
Next step
Waiting on the branch
Outstanding: Applicant's Aadhaar Card. EzDocs has asked — nothing to do here unless you want to phone the branch.
Where this case stands — the whole trailEzDocs has not read this trail yet — the regular check reads every case whose mails grew, a few at a time
Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail
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.
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”.
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.
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 |
|---|---|---|---|---|
| no filing yet |
Fix something every change is recorded with 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 paper16 Oct, 15:24 · 1h ago THE FIRST MAIL — how this case began
Kindly process 0.3 & 0.5 Challan in below case
- ✓ Sanction Letter — attached
- ✓ Customer Aadhar Card / co applicant — attached
- ✓ Customer pan Card / co applicant — attached
- ✓ Form A2 or Soft copy of photograph — attached
- ✓ Payment details — attached
16 Oct, 16:07 · 1h ago
Pls share sanction letter with property address for challan initiation,
earlier mails quoted below
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-20261016-WA0016.jpg | filed | 1h ago |
| Sanction letter | Sanction letter (7).pdf | filed | 1h ago |
| Selfie / photo | 20261015_135856.jpg | filed | 1h ago |
| PAN card | 20261016_134142.jpg | filed | 1h ago |
| A mail's picture (a signature logo, a banner) — not a paper | image001.jpg | filed | 1h ago |
| Selfie / photo | 20261015_135901.jpg | CANNOT BE READ — clear copy asked | 1h ago |
| PAN card | 20261016_134154.jpg | filed | 1h 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
₹27,850.46
VERIFIED — money received
₹27,825 679576166289
13:40:45
15:29:52
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹11,030 | ₹15,000 | ₹320 | ₹1,500 | ₹27,850 |
why?
Property (must be perfect)
The property, paper by paper side by side, the main paper first
P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, NASHIK, MAHARASHTRA, 422010, INDIA
422010
P NO 40 S NO 61/2 A MAULI CHOWK GHULE PARK DATTA NAGAR AMBAD A S NASHIK MAHARASHTRA
NASHIK
Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| mortgagor | MUKESH BHIKA BHAVSAR | BIAPB2630L | |
| mortgagor | MAYA MUKESH BHAVSAR | CRUPS4863G |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| document chase | abhijeet.kale@phfl.com | 1h ago |
What EzDocs read from each document — check anything marked in red
679576166289
2026-10-16
13:40
27825
UPI
.169705262080@hdfcbank
THINK BIGZ INITIATIVE PVT LTD
raw reading (for Abhijit)
{'utr': '679576166289', 'date': '2026-10-16', 'time': '13:40', 'amount': 27825, 'method': 'UPI', 'payee_upi': '.169705262080@hdfcbank', 'payer_upi': None, 'payee_name': 'THINK BIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}live_selfie
True
0.9
True
raw reading (for Abhijit)
{'kind': 'live_selfie', 'legible': True, 'confidence': 0.9, 'face_visible': True, 'quality_issue': None}HOU/NSK/0926/5218200
True
Housing Loan, Housing
{'name': 'MUKESH BHIKA BHAVSAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MAYA MUKESH BHAVSAR', 'role': 'applicant', 'label': 'Applicant'}
1
PNBRRR *: 13.15% per annum Applicable Rate of Interest *: 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
PL Rs.5 lakhs dt 18-01-2025, HL Rs.6.52 lakhs, HL Rs.4.69 lakhs dt 30-03-2024
3500000
-4.65
3675000
8.5
19-Sep-2026
3
13.15
mukeshbhavsar800@gmail.com
MUKESH BHIKA BHAVSAR, MAYA MUKESH BHAVSAR
False
8007840869
False
pin: 422010; road: GHULE PARK; state: MAHARASHTRA; Flat no: 40; district: Nashik; landmark: MAULI CHOWK; Address: P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, Ind
175000
Total Loan Amount
True
3675000
P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India
P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India
raw reading (for Abhijit)
{'lan': 'HOU/NSK/0926/5218200', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'MUKESH BHIKA BHAVSAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'MAYA MUKESH BHAVSAR', 'role': 'applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'rate_words': 'PNBRRR *: 13.15% per annum\nApplicable Rate of Interest *: 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': ['PL Rs.5 lakhs dt 18-01-2025', 'HL Rs.6.52 lakhs', 'HL Rs.4.69 lakhs dt 30-03-2024'], 'loan_amount': 3500000, 'rate_spread': -4.65, 'final_amount': 3675000, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '19-Sep-2026', 'letter_version': '3', 'reference_rate': 13.15, 'applicant_email': 'mukeshbhavsar800@gmail.com', 'applicant_names': ['MUKESH BHIKA BHAVSAR', 'MAYA MUKESH BHAVSAR'], 'printed_altered': False, 'applicant_mobile': '8007840869', 'balance_transfer': False, 'property_address': {'pin': '422010', 'road': 'GHULE PARK', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '40', 'district': 'Nashik', 'floor_no': None, 'landmark': 'MAULI CHOWK', 'full_address': 'P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India', 'village_city': 'AMBAD A.S', 'building_name': None, 'survey_or_cts_no': '61/2'}, 'insurance_premium': 175000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 3675000, 'security_address_verbatim': 'P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India', 'applicant_address_verbatim': 'P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India'}1980-12-05
BIAPB2630L
MUKESH BHIKA BHAVSAR
True
BHIKA SHANKAR BHAVSAR
raw reading (for Abhijit)
{'dob': '1980-12-05', 'pan': 'BIAPB2630L', 'name': 'MUKESH BHIKA BHAVSAR', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'BHIKA SHANKAR BHAVSAR', 'aadhaar_last4': None, 'quality_issue': None}photo_of_printed_photo
False
0.9
True
this is a photograph of a passport-size print, not a live selfie
raw reading (for Abhijit)
{'kind': 'photo_of_printed_photo', 'legible': False, 'confidence': 0.9, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}1982-06-24
CRUPS4863G
MAYA MUKESH BHAVSAR
True
UTTAMRAO RAOSAHEB SHINDE
raw reading (for Abhijit)
{'dob': '1982-06-24', 'pan': 'CRUPS4863G', 'name': 'MAYA MUKESH BHAVSAR', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'UTTAMRAO RAOSAHEB SHINDE', 'aadhaar_last4': None, 'quality_issue': None}True
Sanction Letter - Header Address field
loan_ref: HOU/NSK/0926/5218200; customer_name: MUKESH BHIKA BHAVSAR
0.9
property
pin: 422010; road: MAULI CHOWK; state: MAHARASHTRA; district: Nashik; landmark: GHULE PARK, DATTA NAGAR; Address: P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, Ind
P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India
raw reading (for Abhijit)
{'found': True, 'found_in': 'Sanction Letter - Header Address field', 'area_sq_m': None, 'paper_for': {'loan_ref': 'HOU/NSK/0926/5218200', 'report_id': None, 'customer_name': 'MUKESH BHIKA BHAVSAR'}, 'pin_other': None, 'confidence': 0.9, '_reading486': 'property', 'address_lines': None, 'property_address': {'pin': '422010', 'road': 'MAULI CHOWK', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': None, 'district': 'Nashik', 'floor_no': None, 'landmark': 'GHULE PARK, DATTA NAGAR', 'full_address': 'P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India', 'village_city': 'AMBAD A.S', 'building_name': None, 'survey_or_cts_no': 'S NO 61/2 A, PLOT NO 40'}, 'security_address_verbatim': 'P NO 40 S NO 61/2 A MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S, Nashik, MAHARASHTRA, 422010, India'}Technical record (for Abhijit — safe to ignore)
| 48m ago | EzDocs | reader_home_address | {'fp': '8fe067c3accb0703', 'from': 'the sanction letter (Sanction letter (7).pdf)', 'home': {'pin': '422010', 'area': 'MAULI CHOWK, GHULE PARK, DATTA NAGAR, AMBAD A.S', 'flat': 'P NO 40', 'state': 'MAHARASHTRA', 'distric |
| 48m ago | EzDocs | reader_mail_addition | {'fp': '3049bf07e71e474c', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True} |
| 1h ago | EzDocs | quoted_history_checked | {} |
| 1h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 16 Oct, 16:07 asked for papers — the draft it answers is taken off", 'count': 1, 'kinds': ['doc_chase']} |
| 1h ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 1h ago | EzDocs | chase_held_back | {'why': 'nothing has changed since we asked — the same list would only repeat itself', 'still_waiting_for': ["Applicant's Aadhaar Card"]} |
| 1h ago | EzDocs | property_from_report | {'why': 'the sanction letter gave no property; the letter carries the schedule of the property — read from there; a person verifies box by box before anything files', 'file': 'Sanction letter (7).pdf', 'source': 'sanctio |
| 1h ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-16T10:00:34', 'why': 'reading', 'open': 28, 'mails': [{'at': '2026-10-16 09:54', 'id': '1a1442690ee7d5c6', 'from': 'branch', 'gist': 'The branch asks the team to process the challan for the give |
| 1h ago | EzDocs | branch_from_reading501 | {'why': "the branch's mail named no branch; the papers print this one — the bank's branch-wise summary places the case by it", 'branch': 'NASHIK'} |
| 1h ago | EzDocs | case_read | {'how': 'uri', 'tag': '16231e270c60064b', 'docs': ['Sanction letter (7).pdf', '20261016_134142.jpg', '20261016_134154.jpg'], 'loan': {'amount': 3675000, 'made_of': [{'what': 'Loan Amount', 'paper': 'Sanction letter (7).p |
| 1h ago | EzDocs | email_shadowed:doc_chase | {'to': 'abhijeet.kale@phfl.com', 'body': "Team,\n\nKindly share the following to process the challan:\n\n 1. Applicant's Aadhaar Card — not received yet\n\nFor NOI filing, we also need (it does not hold up the challan): |
| 1h ago | EzDocs | fee_quote_suppressed | {'how': 'claim', 'utr': '679576166289', 'why': 'the branch sent its payment proof with the documents — nothing to ask for', 'claimed': 27825.0} |
| 1h ago | EzDocs | sms_matched_late | {'ref': '679576166289', 'why': 'this credit had arrived before the case could be matched (no bill yet, or the screenshot came later) — matched now on the same evidence as a live SMS', 'amount': 27825.0, 'method': 'screen |
| 1h ago | EzDocs | payment_verified | {'utr': '679576166289', 'why': "paid ₹27,825, ₹25 under our ask of ₹27,850 — the bank's own written total — the gap to our rounded-up ask is the NOI team's buffer; accepted as full", 'delta': -25.46, 'method': 'screensho |
| 1h ago | EzDocs | receivable_snapshot | {'before': {'delta': None, 'status': 'awaiting', 'paid_at': None, 'received': None, 'risk_flags': [], 'verified_at': None, 'match_method': None, 'received_utr': None, 'matched_sms_id': None, 'match_confidence': None}, 's |
| 1h ago | EzDocs | claim_applied_on_quote | {'utr': '679576166289', 'parts': 1, 'claimed_total': 27825.0} |
| 1h ago | EzDocs | receivable_created | {'expected': 27850.46} |
| 1h ago | EzDocs | fee_notes | {'notes': ["total payable: bank says Rs.27,825, computed Rs.27,845 (difference Rs.-20) — desk DHC floor Rs.320 vs the Rs.300 on the bank's sheet — Rs.20 policy margin (gateway charges), not a bank error", "bank sheet sti |
| 1h ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'new mail', 'docs': ['Sanction letter (7).pdf', '20261016_134142.jpg', '20261016_134154.jpg'], 'notes': None, 'filled': {}, 'unsure': [], 'differs': 0, 'seconds': 4.6, 'rejected': [{'box': 'party.do |
| 1h ago | EzDocs | documents_read_together | {'why': 'the files of one mail are read side by side so the draft follows in a minute or two, not after every file in a row', 'files': 7, 'seconds': 32.3, 'workers': 5} |
| 1h ago | EzDocs | roles_from_letter | {'why': "the sanction letter LABELS who is the applicant and who is the co-applicant — GRAS's first party is the BORROWER, and this is the paper that says which of them that is", 'changed': ['MAYA MUKESH BHAVSAR -> mortg |
| 1h ago | EzDocs | id_doc_filed | {'doc': 'pan', 'file': '20261016_134154.jpg', 'doc_id': '6c710090-a853-4562-b50c-b0cb3f9f541b', 'person': 'MAYA MUKESH BHAVSAR', 'party_id': 'ec633f0a-0666-4375-bcc3-08e98c812e01', 'name_on_doc': 'MAYA MUKESH BHAVSAR'} |
| 1h ago | EzDocs | co_applicant_added | {'doc': 'pan', 'name': 'MAYA MUKESH BHAVSAR'} |
| 1h ago | EzDocs | document_received | {'file': '20261016_134154.jpg', 'doc_type': 'pan', 'confidence': 0.99} |
| 1h ago | EzDocs | money_settled | {'fp': '5a7f995e0eb10e62', 'held': 3675000.0, 'asked': True, 'action': 'agrees', 'agrees': True, 'amount': 3675000.0, 'papers': [{'lan': 'HOU/NSK/0926/5218200', 'file': 'Sanction letter (7).pdf', 'kind': 'sanction_letter |
| 1h ago | EzDocs | document_unreadable | {'reason': 'this is a photograph of a passport-size print, not a live selfie', 'doc_type': 'selfie'} |
| 1h ago | EzDocs | roles_from_letter | {'why': "the sanction letter LABELS who is the applicant and who is the co-applicant — GRAS's first party is the BORROWER, and this is the paper that says which of them that is", 'changed': ['MUKESH BHIKA BHAVSAR -> mort |
| 1h ago | EzDocs | id_doc_filed | {'doc': 'pan', 'file': '20261016_134142.jpg', 'doc_id': 'a90eaafe-bf1b-4f75-a353-1b23c2a29742', 'person': 'MUKESH BHIKA BHAVSAR', 'party_id': 'd90c1902-128b-4e0b-ae79-e7133f34bccc', 'name_on_doc': 'MUKESH BHIKA BHAVSAR'} |
| 1h ago | EzDocs | document_received | {'file': '20261015_135901.jpg', 'doc_type': 'selfie', 'confidence': 0.99} |
| 1h ago | EzDocs | case_read_started | {'tag': 'aa28d1eced264274', 'why': 'arrival', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'} |