⚠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.

Cases / NOI-2026-01232

Kunal Ambatkar

LAN NHL/NAG/0526/5109498 Index II pending · with the government 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).

Papers for our fileworked by hand

1 of 7 in hand.
this case was worked by hand before the app saw the thread — the challan and the filing are already done; nothing below is blocking anyone

✓Selfie / photoopen

Sanction Letter — for our file, when it comes

Applicant's Aadhaar Card — for our file, when it comes

Applicant's PAN Card — for our file, when it comes

Payment Screenshot with UTR — for our file, when it comes

Property address — no document on file carries it; ask the branch for the technical report or Index II

Index II copy / Title document — for the e-filing visit later

All files (2)A label is wrong? Fix it under All documents.

Moneynot worked out yet

No fee computed yet — it appears the moment the loan amount is known.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 26 h 55 minour time · 7 Sep 17:15

Index II —not yet

the NOI team 3 d 6 hthe branch 49 d 16 hthe SRO 36 d 8 htotal 89 d 7 h so far

Now with the SRO — waiting for the SRO's Index II

since 7 Sep 17:15 — 36 d 8 h of working time

Day by day — every step and who held it

16 Jul 17:51Your branch's mail

4 Sep 10:20Papers from your branch+49 d 16 h · the branch

4 Sep 10:20Papers readat once

7 Sep 17:15Challan made+3 d 6 h · the NOI team

Case facts

Bank

PNB_HFL

Loan amount

—

Loan account no.

NHL/NAG/0526/5109498

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

Send the Index II when it arrives

The e-filing copy is with the branch. This case closes when the government's Index II is shared.

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

The NOI has been filed and the e-filing copy shared with the branch. The team is now waiting for the government to process the filing and generate the final Index II of the NOI.

the trail says the next move is with the government — the government's Index II

✓ filed on the IGR site — done, mail 2 (2026-09-07) “PFA: Downloaded e-filing for your reference..”

✓ e-filing copy shared — done, mail 2 (2026-09-07) “PFA: Downloaded e-filing for your reference..”

read over 2 mail(s), last mail 2026-09-07 · read 28d 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 hereDONE

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). The engine 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.

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
no filing yet

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.

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 the engine wrote on this thread — yours to edit; nothing leaves until you press Send.

No draft is waiting on this case. The engine 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

NJ nagsen.jambhulkar@phfl.com phfl.com
04 Sep, 10:20 · 39d ago THE APP JOINED HERE — earlier mails are on Gmail

Re[6]: Process for NOI & Challan : - Kunal Ambatkar // NHL/NAG/0526/5109498

📎 IMG-20260903-WA0013 (1).jpg ↗📎 IMG-20260903-WA0012.jpg ↗

Dear Team,

PFA, Color Salfi photo for NOI.

Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile:  9370638343
PHFL Home Loans and Services Limited

earlier mails quoted below

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 08/21/26 20:07
To: Nagsen Khemchand Jambhulkar ( nagsen.jambhulkar@phfl.com )
Cc: Bharati Bhope ( bharati.bhope@phfl.com ), Sandip Bhusari1 ( sandip.bhusari1@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Rahul Narendra Nayab ( rahul.nayab@phfl.com ), Bhumeshwar Satpute ( bhumeshwar.satpute@pnbhousing.com )
Subject:  Re: Re[4]: Process for NOI & Challan : - Kunal Ambatkar // NHL/NAG/0526/5109498

 Exercise  Secured by Check Point

Team,

For noi filing we need a colour selfie photo of applicants

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Thu, 30 Jul 2026 at 14:07, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team,

For noi filing we need a  colour selfie photo  of the applicant.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Thu, 30 Jul 2026 at 11:20, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Dear Team,

PFA, Photo for NOI.

Thanks & Regards,
Nagsen Jambhulkar
Channel Manager  - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile:  9370638343
PHFL Home Loans and Services Limited

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 07/20/26 19:29
To: Nagsen Khemchand Jambhulkar ( nagsen.jambhulkar@phfl.com )
Cc: Bharati Bhope ( bharati.bhope@phfl.com ), Sandip Bhusari1 ( sandip.bhusari1@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Rahul Narendra Nayab ( rahul.nayab@phfl.com ), Bhumeshwar Satpute ( bhumeshwar.satpute@pnbhousing.com )
Subject:  Re: Re[2]: Process for NOI & Challan : - Kunal Ambatkar // NHL/NAG/0526/5109498

 Exercise  Secured by Check Point

Team,

For noi filing we need a colour selfie photo of the applicant.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Mon, 20 Jul 2026 at 18:42, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Dear Team,

PFA, Original ATS copy,
Kindly Process for NOI

Thanks & Regards,
Nagsen Jambhulkar
Sr. Team Leader - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile:  9370638343
PHFL Home Loans and Services Limited

From: THINKBIGZ NOI ( pnb.noifilling@gmail.com )
Date: 07/16/26 19:34
To: Nagsen Khemchand Jambhulkar ( nagsen.jambhulkar@phfl.com )
Cc: Bharati Bhope ( bharati.bhope@phfl.com ), Sandip Bhusari1 ( sandip.bhusari1@pnbhousing.com ), Ashish Gour ( ashish.gour@pnbhousing.com ), Rahul Narendra Nayab ( rahul.nayab@phfl.com )
Subject:  Re: Process for NOI & Challan : - Kunal Ambatkar // NHL/NAG/0526/5109498

 Exercise  Secured by Check Point

Team,

PFA challan for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Thu, 16 Jul 2026 at 17:54, 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. For noi filing we need a registered sale deed copy and a colour live selfie photo of the applicants..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

On Thu, 16 Jul 2026 at 17:52, Nagsen Khemchand Jambhulkar < nagsen.jambhulkar@phfl.com > wrote:
Process for NOI & Challan.

Thanks & Regards,
Nagsen Jambhulkar
Channel Manager  - Loans
PNB Housing Finance Ltd.,
Direct: 0712-2533460,1,2
Mobile:  9370638343
PHFL Home Loans and Services Limited

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
07 Sep, 16:58 · 36d ago

TEAM,

PFA: Downloaded e-filing for your reference..

*Regards,*

*NOI Coordinator (PNB)*

*ThinkBigz*

*M:-8097244974*

earlier mails quoted below

On Fri, 4 Sept 2026 at 10:19, Nagsen Khemchand Jambhulkar <
nagsen.jambhulkar@phfl.com> wrote:

Dear Team,

PFA, Color Salfi photo for NOI.

Thanks & Regards,
*Nagsen Jambhulkar*

Sr. Team Leader - Loans

PNB Housing Finance Ltd.,

Direct: 0712-2533460,1,2

Mobile: *9370638343*

*PHFL Home Loans and Services Limited*

*[image: cid:image002.jpg@01D4388E.04228670]*

----- Original Message -----
------------------------------
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/21/26 20:07
To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
Cc: Bharati Bhope (bharati.bhope@phfl.com), Sandip Bhusari1 (
sandip.bhusari1@pnbhousing.com), Ashish Gour (ashish.gour@pnbhousing.com),
Rahul Narendra Nayab (rahul.nayab@phfl.com), Bhumeshwar Satpute (
bhumeshwar.satpute@pnbhousing.com)
Subject: Re: Re[4]: Process for NOI & Challan : - Kunal Ambatkar //
NHL/NAG/0526/5109498

 Secured by Check Point
Team,

For noi filing we need a colour selfie photo of applicants

*Regards,*

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

On Thu, 30 Jul 2026 at 14:07, THINKBIGZ NOI <pnb.noifilling@gmail.com>
wrote:

> Team,
>
> For noi filing we need a *colour selfie photo *of the applicant.
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Thu, 30 Jul 2026 at 11:20, Nagsen Khemchand Jambhulkar <
> nagsen.jambhulkar@phfl.com> wrote:
>
>> Dear Team,
>>
>> PFA, Photo for NOI.
>>
>> Thanks & Regards,
>>  *Nagsen Jambhulkar*
>>
>> Channel Manager  - Loans
>>
>> PNB Housing Finance Ltd.,
>>
>> Direct: 0712-2533460,1,2
>>
>> Mobile: *9370638343*
>>
>> *PHFL Home Loans and Services Limited*
>>
>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>
>> ----- Original Message -----
>> ------------------------------
>> From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
>> Date: 07/20/26 19:29
>> To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
>> Cc: Bharati Bhope (bharati.bhope@phfl.com), Sandip Bhusari1 (
>> sandip.bhusari1@pnbhousing.com), Ashish Gour (ashish.gour@pnbhousing.com),
>> Rahul Narendra Nayab (rahul.nayab@phfl.com), Bhumeshwar Satpute (
>> bhumeshwar.satpute@pnbhousing.com)
>> Subject: Re: Re[2]: Process for NOI & Challan : - Kunal Ambatkar //
>> NHL/NAG/0526/5109498
>>
>>  >> Secured by Check Point
>> Team,
>>
>> For noi filing we need a colour selfie photo of the applicant.
>>
>> *Regards,*
>>
>> *NOI Coordinator (PNB)*
>> *ThinkBigz*
>> *M:-8097244974 <(809)%20724-4974>*
>>
>>
>> On Mon, 20 Jul 2026 at 18:42, Nagsen Khemchand Jambhulkar <
>> nagsen.jambhulkar@phfl.com> wrote:
>>
>>> Dear Team,
>>>
>>> PFA, Original ATS copy,
>>> Kindly Process for NOI
>>>
>>> Thanks & Regards,
>>> *Nagsen Jambhulkar*
>>>
>>> Sr. Team Leader - Loans
>>>
>>> PNB Housing Finance Ltd.,
>>>
>>> Direct: 0712-2533460,1,2
>>>
>>> Mobile: *9370638343*
>>>
>>> *PHFL Home Loans and Services Limited*
>>>
>>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>>
>>> ----- Original Message -----
>>> ------------------------------
>>> From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
>>> Date: 07/16/26 19:34
>>> To: Nagsen Khemchand Jambhulkar (nagsen.jambhulkar@phfl.com)
>>> Cc: Bharati Bhope (bharati.bhope@phfl.com), Sandip Bhusari1 (
>>> sandip.bhusari1@pnbhousing.com), Ashish Gour (
>>> ashish.gour@pnbhousing.com), Rahul Narendra Nayab (rahul.nayab@phfl.com
>>> )
>>> Subject: Re: Process for NOI & Challan : - Kunal Ambatkar //
>>> NHL/NAG/0526/5109498
>>>
>>>  >>> Secured by Check Point
>>> Team,
>>>
>>> PFA challan for your reference..
>>>
>>> *Regards,*
>>>
>>> *NOI Coordinator (PNB)*
>>> *ThinkBigz*
>>> *M:-8097244974 <(809)%20724-4974>*
>>>
>>>
>>> On Thu, 16 Jul 2026 at 17:54, 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. For noi filing we need a registered sale
>>>> deed copy and a colour live selfie photo of the applicants..
>>>>
>>>> *Regards,*
>>>>
>>>> *NOI Coordinator (PNB)*
>>>> *ThinkBigz*
>>>> *M:-8097244974 <(809)%20724-4974>*
>>>>
>>>>
>>>> On Thu, 16 Jul 2026 at 17:52, Nagsen Khemchand Jambhulkar <
>>>> nagsen.jambhulkar@phfl.com> wrote:
>>>>
>>>>> Process for NOI & Challan.
>>>>>
>>>>>
>>>>>
>>>>>
>>>>> Thanks & Regards,
>>>>>  *Nagsen Jambhulkar*
>>>>>
>>>>> Channel Manager  - Loans
>>>>>
>>>>> PNB Housing Finance Ltd.,
>>>>>
>>>>> Direct: 0712-2533460,1,2
>>>>>
>>>>> Mobile: *9370638343*
>>>>>
>>>>> *PHFL Home Loans and Services Limited*
>>>>>
>>>>> *[image: cid:image002.jpg@01D4388E.04228670]*
>>>>>
>>>>

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

Every file the branch sent, and what the engine 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
Selfie / photo	IMG-20260903-WA0013 (1).jpg	filed	39d ago
Selfie / photo	IMG-20260903-WA0012.jpg	filed	39d 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

No payment recorded yet. When money reaches our account (or the branch sends a screenshot), it shows here.

Fee working (ours)

No fee computed yet — it appears the moment the loan amount is known.

Property (must be perfect)

No property read yet — it fills itself from the sanction letter, the legal report, the technical report, the mail, or the Index II.

Parties

Role	Name	PAN	Aadhaar
none extracted yet

All mail records (for Abhijit — safe to ignore)

Template	To	When
document chase	nagsen.jambhulkar@phfl.com	39d ago
document chase	nagsen.jambhulkar@phfl.com	36d ago

What the engine read from each document — check anything marked in red

Selfie / photo IMG-20260903-WA0013 (1).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}

Selfie / photo IMG-20260903-WA0012.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}

Technical record (for Abhijit — safe to ignore)

17d ago	system:ingest	mail_read_as_shown	{'why': "the mail's plain-text copy carried words the mail itself does not show (a template's words the branch took out, hidden or struck-out text). The mail is what it shows: its text on the case is now the shown copy",
28d ago	system:ingest	trail_read	{'why': 'the model 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': ['filed', 'efiling_shared'], 'mails': 2, 'summ
29d ago	system:ingest	efiling_found_on_case	{'now': 'AWAITING_INDEX2', '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':
36d ago	system:emails	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/NAG/0526/5109
36d ago	system:reconcile	stage_follows_desk_challan_mail	{'now': 'CHALLAN_PAID', 'why': 'the desk sent the challan on this thread and no branch mail came after it to trigger the usual re-read'}
36d ago	system:reconcile	challan_inferred_from_desk_mail	{'why': "the desk's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread; the stage follows the desk's deed"}
36d ago	system:emails	email_shadowed:doc_chase	{'to': 'nagsen.jambhulkar@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAG/0526/5109498), the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Appli
36d ago	system:emails	draft_withdrawn	{'why': 'a fresher chase replaces it — the asks changed', 'count': 1}
39d ago	system:reconcile	extra_challan_scanned	{'found': 0}
39d ago	system:emails	email_shadowed:doc_chase	{'to': 'nagsen.jambhulkar@phfl.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/NAG/0526/5109498), the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. Appli
39d ago	system:extract	selfie_accepted	{'kind': 'live_selfie', 'doc_id': '4a2d252f-6152-481c-944d-047fc0fccfe3', 'confidence': 1.0}
39d ago	system:ingest	document_received	{'file': 'IMG-20260903-WA0012.jpg', 'doc_type': 'selfie', 'confidence': 1.0}
39d ago	system:extract	selfie_accepted	{'kind': 'live_selfie', 'doc_id': '76bf83d2-5e36-44ab-9a21-a05141f8e352', 'confidence': 1.0}
39d ago	system:ingest	document_received	{'file': 'IMG-20260903-WA0013 (1).jpg', 'doc_type': 'selfie', 'confidence': 1.0}
39d ago	system:ingest	name_from_subject	{'name': 'Kunal Ambatkar'}
39d ago	system:ingest	case_created	{'lan': 'NHL/NAG/0526/5109498', 'bank': 'PNB_HFL', 'thread_id': '19f6ae0cdc733c5e'}

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

Papers

4 still needed for the challan

Sanction Letter, Applicant's Aadhaar Card, Applicant's PAN Card, Payment Screenshot with UTR

Money

No figure yet

It appears the moment the loan amount is known.

Challan & filing

Index II pending

Waiting on the government.

Next — whose move

The government

Index II

26 Sep1 thing

mail read as shown