⚠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-2026-02274

VICKY FATEHCHAND NAWLANI

LAN NHL/AHMD/0526/5090624 Index II pending · with the government All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

⏳ Older case — the app joined this thread mid-stream.
This case was already running before the app began watching on 1 Sep. Earlier mails, documents, challans and payments may be on the Gmail thread but not yet inside the app — so “nothing received” or “no challan yet” here can be wrong. Treat it as an older case and check the Gmail thread. The app is fully reliable for FRESH cases (first mail on or after 1 Sep).

What the e-filing still needsall in

8 of 8 in hand.
the challan is done — these are for the IGR filing / KYC

✓Aadhaar cardopen

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

✓Payment screenshot — shows ₹17,800; money not verified yetopen

✓Sanction letteropen

✓Paid challan (GRAS)open

✓Selfie / photoopen

✓PAN card — inside KYC VICKY NAWLANI.pdfopen

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

All files (8)A label is wrong? Fix it under All documents.

Needs your eyes

The work is done — our fee of ₹17,840.68 is still not in our account. Chase the branch for it.
Payment proof is from 2026-06-19 — an old receipt?

MoneyWaiting for the credit

₹17,840.68CASE MARK

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

₹0 received — the branch’s receipt claims ₹17,800; we wait for the credit itself

Ask for the exact ₹17,840.68. Those paise are this case’s own mark — the credit finds its case with nothing else needed.

Stamp duty 0.3%6,010

Registration fee 0.5%10,010

Government handling320

Our service fee1,500.68

Total we ask for17,840.68

Screenshot ₹17,800 — ₹41 under our ask, not below the real calculation ₹17,800. Counts as full. Nothing to ask.
Screenshot ₹17,800 — verified by itself the moment the bank credit is heard.

why?

The branch paid the statutory figure with the DHC its table prints (₹300) — the ₹20 DHC margin and our round-ups are the buffer. Rule (boss, 4 Sep): everything above the real calculation — government + DHC ₹300 + our fee — up to our rounded-up ask is the NOI team's own buffer (the ₹10 round-ups, the ₹20 DHC margin), never a short payment; anything below the real calculation is short. The screenshot is still a claim: money counts only on the credit SMS or a person's Verify.

Paid by GPay at 2026-06-19 — 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 — 19 h ago), so the alert for THIS payment never fired — check that the macro is listening to that app.

By law ₹17,820. We ask ₹17,840 (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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 1 h 07 minour time · 20 Jun 12:57

Index II 1 h 07 minour time · 27 Sep 01:27

the NOI team 1 h 07 minthe branch 98 d 12 htotal 98 d 13 h

Complete.

Day by day — every step and who held it

20 Jun 11:50Your branch's mail

20 Jun 12:57Challan made+1 h 07 min · the NOI team

23 Sep 12:18Papers from your branch+94 d 23 h · the branch

27 Sep 01:27Papers from your branch+3 d 13 h · the branch

27 Sep 01:27Papers readat once

27 Sep 01:27Index II sentat once

27 Sep 01:27Papers readat once

27 Sep 01:27Property readat once

27 Sep 01:27Papers from your branchat once

27 Sep 01:27Papers readat once

27 Sep 01:27Papers from your branchat once

27 Sep 01:27Papers readat once

27 Sep 01:27Papers from your branchat once

27 Sep 01:28Papers readat once

27 Sep 01:28Fee quotedat once

27 Sep 01:28Papers readat once

Case facts

Bank

PNB_HFL

Loan amount

₹20,00,000

Loan account no.

NHL/AHMD/0526/5090624

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.

✓ The papers agree — compared: the sanction letter, the Index II. No number of the property and no name differs.

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

The NOI has been filed and the e-filing copy shared. The case is now complete from the team's side.

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

✓ loan papers sent — done, mail 1 (2026-09-23) “PFA applicant co app photo”

✓ filed on the IGR site — done, mail 3 (2026-09-27) “PFA: Downloaded e-filing for your reference..”

✓ e-filing copy shared — done, mail 3 (2026-09-27) “PFA: Downloaded e-filing for your reference..”

read over 3 mail(s), last mail 2026-09-27 · read 16d 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.

✗ EzDocs found boxes that do NOT agree with the document (17d 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	MH004870986202627E	—	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 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

TD tejas.deshmukh@pnbhousing.com pnbhousing.com
23 Sep, 12:18 · 20d ago THE APP JOINED HERE — earlier mails are on Gmail

RE: Kindly process for NOI Challan 0.3 & 0.5 in below case NHL/AHMD/0526/5090624 VICKY FATEHCHAND NAWLANI

📎 Aplicant selfi.pdf ↗📎 Screenshot (22).png ↗

Dear Team

PFA applicant co app photo

Kindly process NOI filling

Tejas Deshmukh

Customer Service Manager Loans

203 Second Floor, Sai Midas Touch

Nagar Manmad Road

Savedi Ahmednagar

Contact number9766628890

0241-2414455

[cid:image001.png@01DD4B55.99EE0840]

Internal

earlier mails quoted below

From: THINKBIGZ NOI <pnb.noifilling@gmail.com>
Sent: 21 August 2026 19:23
To: Tejas Deshmukh <tejas.deshmukh@pnbhousing.com>
Cc: Saurabh Sunil Sharma 2 <saurabh.sharma2@phfl.com>
Subject: Re: Kindly process for NOI Challan 0.3 & 0.5 in below case NHL/AHMD/0526/5090624 VICKY FATEHCHAND NAWLANI

 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 Sat, 25 Jul 2026 at 19:10, THINKBIGZ NOI <pnb.noifilling@gmail.com<mailto:pnb.noifilling@gmail.com>> wrote:
Team,

For noi filing we need a colour live selfie photos of applicants..

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

On Sat, 20 Jun 2026 at 12:59, THINKBIGZ NOI <pnb.noifilling@gmail.com<mailto:pnb.noifilling@gmail.com>> wrote:
Team,

PFA challan for your reference..

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

On Sat, 20 Jun 2026 at 11:54, THINKBIGZ NOI <pnb.noifilling@gmail.com<mailto: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 colour live selfie photos of applicants..

Regards,
NOI Coordinator (PNB)
ThinkBigz
M:-8097244974

On Sat, 20 Jun 2026 at 11:51, Tejas Deshmukh <tejas.deshmukh@pnbhousing.com<mailto:tejas.deshmukh@pnbhousing.com>> wrote:
Dear Sir,
Kindly process for NOI  Challan 0.3 & 0.5  in below case  NHL/AHMD/0526/5090624  VICKY FATEHCHAND NAWLANI
Customer Name
VICKY FATEHCHAND NAWLANI
Lan No
NHL/AHMD/0526/5090624
Loan Amount
2000000
LOAN AMOUNT
2000000
0.3%
6000
0.5%
10000
FEES
1800
TOTAL
17800/-
*Sanction Letter
attached
*Customer Aadhar Card / co applicant
attached
*Customer pan Card /  co applicant
attached
*Index II Copy
ATTCHED
*Form A2 or Soft copy of photograph
attached
*Payment details
Attached

Tejas Deshmukh
Customer Service Manager Loans
203 Second Floor, Sai Midas Touch
Nagar Manmad Road
Savedi Ahmednagar
Contact number – 9766628890
0241-2414455
[cid:image001.png@01DD4B55.99EE0840]

Internal

🤖 read: documents attached

OL The NOI teamTYPED IN GMAIL
23 Sep, 15:40 · 20d ago

Team

we will process the NOI for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 23 Sept 2026 at 12:18, Tejas Deshmukh < tejas.deshmukh@pnbhousing.com > wrote:

Dear Team

PFA applicant co app photo

Kindly process NOI filling

Tejas Deshmukh

Customer Service Manager Loans

203 Second Floor, Sai Midas Touch

Nagar Manmad Road

Savedi Ahmednagar

Contact number – 9766628890

0241-2414455

Internal

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

Sent:  21 August 2026 19:23

To:  Tejas Deshmukh < tejas.deshmukh@pnbhousing.com >

Cc:  Saurabh Sunil Sharma 2 < saurabh.sharma2@phfl.com >

Subject:  Re: Kindly process for NOI Challan 0.3 & 0.5 in below case NHL/AHMD/0526/5090624 VICKY FATEHCHAND NAWLANI

 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 Sat, 25 Jul 2026 at 19:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For noi filing we need a colour live selfie photos of applicants..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Sat, 20 Jun 2026 at 12:59, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Sat, 20 Jun 2026 at 11:54, 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 colour live selfie photos of applicants..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Sat, 20 Jun 2026 at 11:51, Tejas Deshmukh < tejas.deshmukh@pnbhousing.com > wrote:

Dear Sir,

Kindly process for NOI  Challan 0.3 & 0.5  in below case  NHL/AHMD/0526/5090624  VICKY FATEHCHAND NAWLANI

Customer Name

VICKY FATEHCHAND NAWLANI

Lan No

NHL/AHMD/0526/5090624

Loan Amount

2000000

LOAN AMOUNT

2000000

0.3%

6000

0.5%

10000

FEES

1800

TOTAL

17800/-

*Sanction Letter

attached

*Customer Aadhar Card / co applicant

attached

*Customer pan Card /  co applicant

attached

*Index II Copy

ATTCHED

*Form A2 or Soft copy of photograph

attached

*Payment details

Attached

Tejas Deshmukh

Customer Service Manager Loans

203 Second Floor, Sai Midas Touch

Nagar Manmad Road

Savedi Ahmednagar

Contact number – 9766628890

0241-2414455

Internal

🤖 read: The team says they will process the NOI.

OL The NOI teamTYPED IN GMAIL
27 Sep, 13:21 · 16d ago

TEAM,

PFA: Downloaded e-filing for your reference..

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:-8097244974

earlier mails quoted below

On Wed, 23 Sept 2026 at 15:40, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team

we will process the NOI for the same.

Regards,  NOI Coordinator (PNB)

ThinkBigz
M:- 8097244974

On Wed, 23 Sept 2026 at 12:18, Tejas Deshmukh < tejas.deshmukh@pnbhousing.com > wrote:

Dear Team

PFA applicant co app photo

Kindly process NOI filling

Tejas Deshmukh

Customer Service Manager Loans

203 Second Floor, Sai Midas Touch

Nagar Manmad Road

Savedi Ahmednagar

Contact number – 9766628890

0241-2414455

Internal

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

Sent:  21 August 2026 19:23

To:  Tejas Deshmukh < tejas.deshmukh@pnbhousing.com >

Cc:  Saurabh Sunil Sharma 2 < saurabh.sharma2@phfl.com >

Subject:  Re: Kindly process for NOI Challan 0.3 & 0.5 in below case NHL/AHMD/0526/5090624 VICKY FATEHCHAND NAWLANI

 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 Sat, 25 Jul 2026 at 19:10, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

For noi filing we need a colour live selfie photos of applicants..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Sat, 20 Jun 2026 at 12:59, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:

Team,

PFA challan for your reference..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Sat, 20 Jun 2026 at 11:54, 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 colour live selfie photos of applicants..

Regards,

NOI Coordinator (PNB)

ThinkBigz

M:- 8097244974

On Sat, 20 Jun 2026 at 11:51, Tejas Deshmukh < tejas.deshmukh@pnbhousing.com > wrote:

Dear Sir,

Kindly process for NOI  Challan 0.3 & 0.5  in below case  NHL/AHMD/0526/5090624  VICKY FATEHCHAND NAWLANI

Customer Name

VICKY FATEHCHAND NAWLANI

Lan No

NHL/AHMD/0526/5090624

Loan Amount

2000000

LOAN AMOUNT

2000000

0.3%

6000

0.5%

10000

FEES

1800

TOTAL

17800/-

*Sanction Letter

attached

*Customer Aadhar Card / co applicant

attached

*Customer pan Card /  co applicant

attached

*Index II Copy

ATTCHED

*Form A2 or Soft copy of photograph

attached

*Payment details

Attached

Tejas Deshmukh

Customer Service Manager Loans

203 Second Floor, Sai Midas Touch

Nagar Manmad Road

Savedi Ahmednagar

Contact number – 9766628890

0241-2414455

Internal

🤖 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
Aadhaar card+ PAN card inside	KYC VICKY NAWLANI.pdf	filed	17d ago
Index IIthe branch sent this — an input	indexii.pdf	filed	17d ago
Payment screenshot	IMG-20260620-WA0010.jpg	filed	17d ago
Sanction letter	SANCTION LETTER VICKY.pdf	filed	17d ago
Other	image001.png	filed	17d ago
Paid challan (GRAS)	VICKY FATEHCHAND NAWLANI EchallanMH004870986202627E.pdf	filed	17d ago
Selfie / photo	Aplicant selfi.pdf	filed	17d ago
Selfie / photo	Screenshot (22).png	CANNOT BE READ — clear copy asked	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
₹17,840.68

Where it stands
waiting for the credit

Screenshot claims
₹17,800 637193465011

why?

Paid by GPay at 2026-06-19 — verified when Google's NEFT lands in the PNB account (within hours).

Paid at
—

Verified on
not yet

stale_claim:2026-06-19:99d

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹6,010	₹10,010	₹320	₹1,500	₹17,840

By law ₹17,820. We ask ₹17,840 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

37 of 46 e-filing boxes readyOpen the verification page →

Empty: Date of Mortgage, First name (person 1), Last name (person 1), Mobile (person 1), E-mail (person 1), Floor (person 1) …

16 box(es) highlighted — not from the Index II / the Aadhaar, derived, or EzDocs was not sure: Taluka, Road, Second number, Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1), Area / sector (person 1) …

✗ EzDocs found boxes that do NOT agree with the document (17d ago) — open the verification page; they are marked in red.

CHECKED by the engine, from the Index II — correct any box that is off; a correction clears thissource: the Index II (indexii.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)

✓ in the document

Number

⚠ 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.

पालिकेचे नाव:अहिल्यानगर म.न.पा. इतर वर्णन, इतर माहितीः मौजे सावेडी येथील सर्व्हे नंबर 14/11/14/13/14/1अ2 मधील हिस्सा नंबर 1 मधील प्लॉट नंबर 1 यांचे क्षेत्रफळ 1279.95 चौमी व त्यावरील असलेले टि डी आर क्षेत्रफळ 1550.00 चौमी यावर बांधलेल्या इमारतीचे नांव-नोव्हा कासा या इमारतीमधील तिसरा मजला फ्लॅट न.302 चे क्षेत्र. 112.513 चौ.मी. बाल्कनी क्षेत्र. 12.047 चौ.मी. अशी मिळकत लिहुन घेणार यांना खरेदी दिली आहे. ((Survey Number: 14/11/14/13/14/1अ2; ))

saving a change clears verification until someone verifies again

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

the sanction letter BASE — the challan follows this

SANCTION LETTER VICKY.pdf

as printed
FLAT NO 302 THIRD FLOOR, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3/14/1A2, NOVA CASA, SAVED, BEHIND DAULE HOSPITAL, AHMED NAGAR, SAVED ROAD, AHMED NAGAR, MAHARASHTRA, INDIA, 414003

PIN
414003

the Index II

indexii.pdf

the property
mauje saavedi yethila sarvhe nambara 14/11/14/13/14/1a2 madhila hissaa nambara 1 madhila plota nambara 1 yaanche kshetraphala 1279.95 chaumi va tyaavarila asalele ti di aara kshetraphala 1550.00 chaumi yaavara baandhalelyaa imaaratiche naanva-novhaa kaasaa yaa imaaratimadhila tisaraa majalaa phlata na.302 che kshetra. 112.513 chau.mi. baalkani kshetra. 12.047 chau.mi. ashi milakata lihuna ghenaara yaannaa kharedi dili aahe.

PIN
I CANNOT TELL

THE CHALLAN, as it will be typed

Flat/Survey Number
FLAT NO 302 THIRD FLOOR PLOT NO 1 HISSA NO 1 SR NO 14/1A1/14/1A3/14/1A2 NOVA CASA SAVED

Locality/Road
BEHIND DAULE HOSPITAL AHMED NAGAR SAVED ROAD MAHARASHTRA

Area/City
AHMED NAGAR

check or correct a box, the papers beside it →

the Index II also prints: 00, 047, 112, 12, 1279, 14/11/14/13/14/1A2, 1550, 513, AAHE, AARA, ASALELE, ASHI, BAALKANI, BAANDHALELYAA, CANNOT, CHAU, CHAUMI, CHE

Marked: what a paper prints that the base paper does not — a number or a word. The challan follows the base 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		BDOPN7684K
mortgagor	VICKY FATEHCHAND NAWLANI	BDOPN7684K

All mail records (for Abhijit — safe to ignore)

Template	To	When
document chase	tejas.deshmukh@pnbhousing.com	19d ago
document chase	tejas.deshmukh@pnbhousing.com	17d ago

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

Aadhaar card KYC VICKY NAWLANI.pdf needs your check

dob
1991-07-09

pan
BDOPN7684K

legible
True

raw reading (for Abhijit)

{'dob': '1991-07-09', 'pan': 'BDOPN7684K', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card KYC VICKY NAWLANI.pdf needs your check

dob
1991-07-09

pan
BDOPN7684K

name
VICKY FATEHCHAND NAWLANI

legible
True

father name
FATEHCHAND KOKOMAL NAWLANI

raw reading (for Abhijit)

{'dob': '1991-07-09', 'pan': 'BDOPN7684K', 'name': 'VICKY FATEHCHAND NAWLANI', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'FATEHCHAND KOKOMAL NAWLANI', 'aadhaar_last4': None, 'quality_issue': None}

Index II indexii.pdf needs your check

kind
index2_input

extracted
pin: I CANNOT TELL; rows: {'r4_palika': 'अहिल्यानगर म.न.पा.', 'r11_serial': '9143/2025', 'r14_remark': 'मुल्यांकनासाठी विचारात घेतलेला तपशीलः-: मुल्यांकनाची आवश्यकता नाही कारण स्तप्रकारनुसार आवश्यक नाही कारणाचा तपशील स्त

raw reading (for Abhijit)

{'kind': 'index2_input', 'extracted': {'pin': 'I CANNOT TELL', 'rows': {'r4_palika': 'अहिल्यानगर म.न.पा.', 'r11_serial': '9143/2025', 'r14_remark': 'मुल्यांकनासाठी विचारात घेतलेला तपशीलः-: मुल्यांकनाची आवश्यकता नाही कारण स्तप्रकारनुसार आवश्यक नाही कारणाचा तपशील स्तप्रकारनुसार आवश्यक नाही\nमुद्रांक शुल्क आकारताना निवडलेला अनुच्छेद\n(i) within the limits of any Municipal Corporation or any Cantonment area annexed to it.', 'r4_locality': 'मौजे सावेडी येथील सर्व्हे नंबर 14/11/14/13/14/1अ2 मधील हिस्सा नंबर 1 मधील प्लॉट नंबर 1 यांचे क्षेत्रफळ 1279.95 चौमी व त्यावरील असलेले टि डी आर क्षेत्रफळ 1550.00 चौमी यावर बांधलेल्या इमारतीचे नांव-नोव्हा कासा या इमारतीमधील तिसरा मजला फ्लॅट न.302 चे क्षेत्र. 112.513 चौ.मी. बाल्कनी क्षेत्र. 12.047 चौ.मी. अशी मिळकत लिहुन घेणार यांना खरेदी दिली आहे. ((Survey Number: 14/11/14/13/14/1अ2; ))', 'r5_area_text': '112.513 चौ. मीटर', 'r7_executants': [{'age': '55', 'pan': 'ABTFA9934F', 'name': 'अलाईड रियल्टी या भागीदारी फर्मचे भागीदार श्री परशोत्तम भारुमल कुकरेजा हे स्वंतःकरिता व भागीदार यश विवेक नाईक भागीदार राकेश जयराम आहुजा, भागीदार महेश शिवाजी बागल, भागीदार जयकिशन जानिमल नवलानी व व भागीदार मयुर भारत गुरुनानी यांचे मुखत्यार म्हणून', 'address': 'प्लॉट नं: 0, माळा नंः 0, इमारतीचे नावः ब्लॉक नंः रोड नंः सावेडी अ.नगर, महाराष्ट्र, आःईशिणीग़ार. पिन कोड:-414003'}, {'age': '27', 'pan': 'ABTFA9934F', 'name': 'अलाईड रियल्टी या भागीदारी फर्मचे भागीदार श्री सागर राजकुमार गुरुनानी हे स्वंतःकरिताव भागीदार यश विवेक नाईक, भागीदार राकेश जयराम आहुजा, भागीदार महेश शिवाजी बागल, भागीदार जयकिशन जानिमल नवलानी व भागीदार मयुर भारत गुरुनानी यांचे मुखत्यार म्हणून', 'address': 'प्लॉट नंः 0, माळा नं: 0, इमारतीचे नावः, ब्लॉक नंः, रोड नंः सावेडी, अहिल्यानगर, महाराष्ट्र, आःईशिणाग़ार. पिन कोड:-414003'}], 'r8_purchasers': [{'age': '35', 'pan': 'IBKPM6675L', 'name': 'छाया विकी नवलाणी उर्फ छाया मोहनदास मुलानी', 'address': 'प्लॉट नंः 0, माळा नंः 0, इमारतीचे नावः ब्लॉक नंः, रोड नं: 141 विराज कॉलनी तारकपुर अ.नगर, महाराष्ट्र, आंःईगिणाग़ार. पिन कोड:-414003'}, {'age': '34', 'pan': 'BDOPN7684K', 'name': 'विकी फतेहचंद नवलाणी', 'address': 'प्लॉट नंः 0, माळा नंः 0, इमारतीचे नावः ब्लॉक नंः -, रोड नं: 141 विराज कॉलनी, तारकपुर अ.नगर, महाराष्ट्र, आःईगिणाग़ार. पिन कोड:-414003'}], 'r12_stamp_duty': 20, 'r3_market_value': 6800000, 'r1_document_type': 'खरेदीखत', 'r2_consideration': 6800000, 'r9_execution_date': '18/12/2025', 'r13_registration_fee': 100, 'r10_registration_date': '18/12/2025'

Payment screenshot IMG-20260620-WA0010.jpg needs your check

utr
637193465011

date
2026-06-19

time
15:28

amount
17800

method
UPI

payee upi
9892834356-2@okbizaxis

payee name
THINKBIGZ INITIATIVE PVT LTD

debit notification text
Transaction Successful

raw reading (for Abhijit)

{'utr': '637193465011', 'date': '2026-06-19', 'time': '15:28', 'amount': 17800, 'method': '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 SANCTION LETTER VICKY.pdf needs your check

lan
NHL/AHMD/0526/5090624

legible
True

purpose
Non Housing Loan, Personal use

borrowers
{'name': 'VICKY FATEHCHAND NAWLANI', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'CHHAYA MOHANDAS MULANI', 'role': 'co_applicant', 'label': 'Applicant'}

confidence
1

loan amount
2000000

final amount
2000000

interest rate
9.65

sanction date
21-May-2026

letter version
6

applicant email
assest.customer@pnbhousing.com

applicant names
VICKY FATEHCHAND NAWLANI, CHHAYA MOHANDAS MULANI

printed altered
False

applicant mobile
8329059289

balance transfer
False

property address
pin: 414003; road: SAVED ROAD; state: MAHARASHTRA; flat_no: 302; district: AHMED NAGAR; floor_no: THIRD; landmark: BEHIND DAULE HOSPITAL; full_address: FLAT NO 302, THIRD FLOOR, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3

insurance premium
0

final amount label
Total Loan Amount

includes insurance
False

total with insurance
2000000

security address verbatim
FLAT NO 302 THIRD FLOOR, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3/14/1A2, NOVA CASA, SAVED, BEHIND DAULE HOSPITAL, Ahmed Nagar, SAVED ROAD, Ahmed Nagar, MAHARASHTRA, India, 414003

applicant address verbatim
S/O: FATEHCHAND KODOMAL NAWLANI,, 141, VIRAJ COLONY, TARAKPUR,, 141, VIRAJ COLONY,, ., Ahmed Nagar, MAHARASHTRA, 414003, India

raw reading (for Abhijit)

{'lan': 'NHL/AHMD/0526/5090624', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [{'name': 'VICKY FATEHCHAND NAWLANI', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'CHHAYA MOHANDAS MULANI', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1, 'handwritten': [], 'linked_refs': [], 'loan_amount': 2000000, 'final_amount': 2000000, 'interest_rate': 9.65, 'quality_issue': None, 'sanction_date': '21-May-2026', 'letter_version': '6', 'applicant_email': 'assest.customer@pnbhousing.com', 'applicant_names': ['VICKY FATEHCHAND NAWLANI', 'CHHAYA MOHANDAS MULANI'], 'printed_altered': False, 'applicant_mobile': '8329059289', 'balance_transfer': False, 'property_address': {'pin': '414003', 'road': 'SAVED ROAD', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '302', 'district': 'AHMED NAGAR', 'floor_no': 'THIRD', 'landmark': 'BEHIND DAULE HOSPITAL', 'full_address': 'FLAT NO 302, THIRD FLOOR, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3/14/1A2, NOVA CASA, SAVED, BEHIND DAULE HOSPITAL, AHMED NAGAR, SAVED ROAD, AHMED NAGAR, MAHARASHTRA, 414003', 'village_city': 'AHMED NAGAR', 'building_name': 'NOVA CASA', 'survey_or_cts_no': 'SR NO 14/1A1/14/1A3/14/1A2, HISSA NO 1, PLOT NO 1'}, 'insurance_premium': 0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': False, 'total_with_insurance': 2000000, 'security_address_verbatim': 'FLAT NO 302 THIRD FLOOR, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3/14/1A2, NOVA CASA, SAVED, BEHIND DAULE HOSPITAL, Ahmed Nagar, SAVED ROAD, Ahmed Nagar, MAHARASHTRA, India, 414003', 'applicant_address_verbatim': 'S/O: FATEHCHAND KODOMAL NAWLANI,, 141, VIRAJ COLONY, TARAKPUR,, 141, VIRAJ COLONY,, ., Ahmed Nagar, MAHARASHTRA, 414003, India'}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Paid challan (GRAS) VICKY FATEHCHAND NAWLANI EchallanMH004870986202627E.pdf needs your check

grn
MH004870986202627E

pin
414003

total
16010.0

article
6(1)

defaced
False

bank cin
03006172026062000360

district
AHMEDNAGAR

area city
AHMEDNAGAR

payer pan
BDCXXXXXXK

flat block
FLAT NO 302, THIRD FLOOR, NOVA CASA, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3/14/1A2, SAVEDI

payer name
VICKY FATEHCHAND NAWLANI

sro office
ALR3_AHILYANAGAR 3 JT SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2000000

scheme rows
{'amount': 6005.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10005.0, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX9289

payment date
20/06/2026-12:57:38

road locality
BEHIND DAULE HOSPITAL, SAVEDI ROAD, AHMED NAGAR, MAHARASHTRA

second party pan
AAACP3682N

second party name
PNB HOUSING FINANCE LTD

consideration amount
2000000

raw reading (for Abhijit)

{'grn': 'MH004870986202627E', 'pin': '414003', 'total': 16010.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026062000360', 'district': 'AHMEDNAGAR', 'area_city': 'AHMEDNAGAR', 'payer_pan': 'BDCXXXXXXK', 'flat_block': 'FLAT NO 302, THIRD FLOOR, NOVA CASA, PLOT NO 1, HISSA NO 1, SR NO 14/1A1/14/1A3/14/1A2, SAVEDI', 'payer_name': 'VICKY FATEHCHAND NAWLANI', 'sro_office': 'ALR3_AHILYANAGAR 3 JT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=2000000', 'scheme_rows': [{'amount': 6005.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 10005.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX9289', 'payment_date': '20/06/2026-12:57:38', 'road_locality': 'BEHIND DAULE HOSPITAL, SAVEDI ROAD, AHMED NAGAR, MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '2000000'}

Selfie / photo Aplicant selfi.pdf needs your check

kind
live_selfie

legible
True

confidence
0.9

face visible
True

raw reading (for Abhijit)

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

Selfie / photo Screenshot (22).png needs your check

kind
photo_of_printed_photo

legible
False

confidence
1

face visible
True

quality issue
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': 1, 'face_visible': True, 'quality_issue': 'this is a photograph of a passport-size print, not a live selfie'}

Other image001.png needs your check

payments inside
payments: []

raw reading (for Abhijit)

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

Payment screenshot IMG-20260620-WA0010.jpg needs your check

payments inside
bank: YES BANK; kind: payment_screenshot; payments: [{'utr': '637193465011', 'date': '2026-06-19', 'page': 1, 'time': '15:28', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 17800.0, 'direction': 'debit', 'narration'

raw reading (for Abhijit)

{'payments_inside': {'bank': 'YES BANK', 'kind': 'payment_screenshot', 'payments': [{'utr': '637193465011', 'date': '2026-06-19', 'page': 1, 'time': '15:28', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 17800.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2606191528080073598267', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '1365', 'account_holder': None}}

Payment screenshot IMG-20260620-WA0010.jpg needs your check

raw reading (for Abhijit)

{'payments_inside': {'bank': 'YES BANK', 'kind': 'payment_screenshot', 'payments': [{'utr': '637193465011', 'date': '2026-06-19', 'page': 1, 'time': '15:28', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 17800.0, 'direction': 'debit', 'narration': 'PhonePe Transaction ID T2606191528080073598267', 'proof_kind': 'success_screen'}], 'rows_read': 1, 'account_last4': '1365', 'account_holder': None}}

Technical record (for Abhijit — safe to ignore)

15d ago	system:learn	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 BDxxxxxxXK — no paper on the
16d 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':
16d ago	system:ingest	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', 'filed', 'efiling_shared'], 'mails'
16d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '3c01730a5423e7ba', 'docs': ['indexii.pdf', 'SANCTION LETTER VICKY.pdf', 'KYC VICKY NAWLANI.pdf'], 'loan': {'amount': 2000000, 'made_of': [{'what': 'Loan Amount', 'paper': 'sanction_letter', 'quote'
16d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': '8ecf15392a78c8a6', 'docs': ['indexii.pdf', 'SANCTION LETTER VICKY.pdf', 'KYC VICKY NAWLANI.pdf'], 'loan': {'amount': 2000000, 'made_of': [{'what': 'Loan Amount', 'paper': 'Sanction Letter', 'quote'
17d ago	system:ingest	kyc_address_missing	{'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': '', 'party_id': '79e0047f-4c06-42b1-ae69-0ff5abbea3c6',
17d ago	system:payments	hidden_payment_scan	{'file': 'IMG-20260620-WA0010.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '8d47a755-ad1c-4410-8fda-7590f3bf8931', 'fetched': True}
17d ago	system:payments	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260620-WA0010
17d ago	system:payments	hidden_payment_scan	{'file': 'IMG-20260620-WA0010.jpg', 'kind': 'payment_screenshot', 'found': 1, 'doc_id': '8d47a755-ad1c-4410-8fda-7590f3bf8931', 'fetched': True}
17d ago	system:payments	payment_found_in_statement	{'why': "the branch's payment proof was not a screenshot — the payment to our account was found INSIDE this file and recorded as its claim; the bank's credit still decides (Waghmare, 01451)", 'file': 'IMG-20260620-WA0010
17d ago	system:payments	stale_claim_flagged	{'age_days': 99, 'claim_date': '2026-06-19'}
17d ago	system:payments	claim_part_duplicate	{'utr': '637193465011', 'date': '2026-06-19', 'parts': 1, 'amount': 17800.0, 'claimed_total': 17800.0}
17d ago	system:payments	stale_claim_flagged	{'age_days': 99, 'claim_date': '2026-06-19'}
17d ago	system:payments	claim_part_duplicate	{'utr': '637193465011', 'date': '2026-06-19', 'parts': 1, 'amount': 17800.0, 'claimed_total': 17800.0}
17d ago	system:payments	hidden_payment_scan	{'file': 'image001.png', 'kind': None, 'found': 0, 'doc_id': '73073f5a-cc6b-4cc5-985c-25057e295ca2', 'fetched': True}
17d ago	system:extract	boxes_gathered	{'how': 'uri', 'why': 'quick sweep', 'docs': ['indexii.pdf', 'SANCTION LETTER VICKY.pdf', 'KYC VICKY NAWLANI.pdf'], 'after': {'addresses': {'people': [[None, []], ['VICKY FATEHCHAND NAWLANI', [['sanction_letter', 'differ
17d ago	system:extract	address_compared	{'sig': '6242bfacb50a697c', 'why': 'after gather', 'people': [{'home': '', 'person': None, 'against': [], 'home_src': '', 'party_id': '79e0047f-4c06-42b1-ae69-0ff5abbea3c6'}, {'home': '141 VIRAJ COLONY TARAKPUR, NAGAR, A
17d ago	system:extract	challan_boxes_by_rules	{'fp': '02dc72355442a0a5', 'why': 'box 1 lost a number the case holds (11)'}
17d ago	system:extract	box_disagreement	{'box': 'property.area_value', 'src': 'index2', 'why': 'a document prints a different value from the one the case holds — the held value stands; a person looks at this box', 'held': '112.51', 'page': 1, 'party': None, 'q
17d ago	system:extract	property_self_check	{'ok': False, 'why': "the reader judged every property box against the document's own words — the boxes named do not agree, or the reader could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Area', 'wh
17d ago	system:extract	property_from_index2	{'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'indexii.pdf', 'changed': {'area_value': {'was': '112.51', 'index2': 112.51
17d ago	system:extract	index2_people_checked	{'doc_id': 'b2b465f8-67ed-455e-ba02-995521fff186', 'differs': 0, 'matched': [{'score': 0.9, 'person': 'VICKY FATEHCHAND NAWLANI', 'pan_agrees': True}], 'not_on_case': 1}
17d ago	system:extract	index2_extra_purchaser	{'why': "the Index II names a purchaser the case does not know — a co-owner whose KYC never came (every owner is a mortgagor on the filing), or the wrong person's KYC on the case", 'doc_id': 'b2b465f8-67ed-455e-ba02-9955
17d ago	ezdocs:reader	reader_home_address	{'fp': 'ab585e09b1c60842', 'from': 'the sanction letter (SANCTION LETTER VICKY.pdf)', 'home': {'pin': '414003', 'area': 'TARAKPUR', 'flat': '141', 'state': 'MAHARASHTRA', 'building': 'VIRAJ COLONY', 'district': 'AHMEDNAG
17d ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'fa4baa52c730ac95', 'docs': ['indexii.pdf', 'SANCTION LETTER VICKY.pdf', 'KYC VICKY NAWLANI.pdf'], 'loan': {'amount': 2000000, 'made_of': [{'what': 'Loan Amount', 'paper': 'sanction_letter', 'quote'
17d ago	system:ingest	thread_docs_swept	{'why': 'this case had no papers at all — its own threads were read for the attachments nobody had pulled yet', 'error': None, 'stored': 8, 'why_not': None, 'messages': 7}
17d ago	system:ingest	thread_documents_backfilled	{'why': None, 'stored': 8, 'mailbox': 'pnb.noifilling@gmail.com', 'skipped': 0, 'messages': 7, 'unreadable_threads': 0}
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",
17d ago	system:extract	document_unreadable	{'reason': 'this is a photograph of a passport-size print, not a live selfie', 'doc_type': 'selfie'}
17d ago	system:ingest	document_received	{'file': 'Screenshot (22).png', 'doc_type': 'selfie', 'confidence': 1.0}

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

Papers

All 6 in hand

Selfie re-sent — an earlier one was a photo of a print

Money

₹17,800 claimed · credit not seen

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

Challan & filing

Index II pending

Waiting on the government.

Next — whose move

The government

Index II

Needs your eyes: The work is done — our fee of ₹17,840.68 is still not in our account. Chase the branch for it. Payment proof is from 2026-06-19 — an old receipt?

27 Sep60 things

The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it