⚠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.
Kundan Bhat
LAN 77000335603Loan ₹33,05,200BT + top-upMails & papers 13 5 drafts 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
15 Sep, 17:43
Documents
Payment
Challan
Filing
E-filing copy
done 27 Sep, 15:54
Index II
took 5d 20h
doneIndex II shared · the trail says: The NOI has been filed and the e-filing copy shared with the branch. The team is now waiting for the government's Index II of the NOI.whole case so far 28d 7h
Needs your eyes27
Same UTR also on case NOI-2026-01244, NOI-2026-01610 — one transfer cannot pay two cases.
Payment proof is from 2024-04-01 — an old receipt?
Same UTR also on case NOI-2026-01244 — one transfer cannot pay two cases.
Payment proof is from 2024-04-02 — an old receipt?
Same UTR also on case NOI-2026-01244, NOI-2026-01610 — one transfer cannot pay two cases.
Payment proof is from 2024-04-03 — an old receipt?
Same UTR also on case NOI-2026-01244, NOI-2026-01610 — one transfer cannot pay two cases.
Payment proof is from 2024-04-05 — an old receipt?
NEXT STEPwaiting on the branch
Nothing — this case is done
Index II shared with the branch and the case is closed.
Historywhat happened on this case, newest first
9 Oct2 things
dhc prn looked
dhc prn read
3 Oct4 things — 1 document received · 1 letter written · 2 steps
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
desk documents backfill
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: Index II
IndexII9992709260327.pdf
27 Sep24 things — 2 documents received · 1 letter written · 21 steps
desk documents backfill
EzDocs read the whole trail as one conversation — where the case stands is on the page
efiling copy read
The e-filing copy (or the NOI team's words that it went) is on the case — the stage follows it
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
Received: E-filing copy
eFilingDoc9992709260327.pdf
half read mail reread
documents read together
The branch's title document is on the case — the filing is the NOI team's move
EzDocs read the whole trail as one conversation — where the case stands is on the page
half read mail reread
documents read together
documents read together
address compared
documents read together
property self check
property from index2
index2 people checked
property english extracted
index2 people checked
Index II (title document) received from the branch
Received: Index II
Index 2 - Bhat.pdf
mail read as shown
mail read as shown
26 Sep2 things — 2 steps
paper read beside case
paper read beside
25 Sep1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01798 | 77000335603
22 Sep1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01798 | 77000335603
19 Sep1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01798 | 77000335603
16 Sep5 things — 1 letter written · 4 steps
This payment is counted on another case too — a person must say whose it is
This payment is counted on another case too — a person must say whose it is
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-01798 | 77000335603
15 Sep99 things — 16 documents received · 3 letters written · 2 cautions · 78 steps
half read mail reread
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
half read mail reread
documents read together
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
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
KUNDAN BHASKAR BHAT EchallanMH010251895202627E.pdf
EzDocs read the whole trail as one conversation — where the case stands is on the page
documents read together
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs read the whole trail as one conversation — where the case stands is on the page
quoted history checked
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
extra challan scanned
property self check
boxes gathered
address compared
challan boxes composed
box disagreement
documents read together
A bank statement was read row by row — no payment to our accounts in it
A bank statement was read row by row — no payment to our accounts in it
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
stale claim flagged
claim part duplicate
stale claim flagged
claim part duplicate
stale claim flagged
claim part duplicate
stale claim flagged
claim part duplicate
stale claim flagged
claim part duplicate
stale claim flagged
claim part duplicate
stale claim flagged
claim part duplicate
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
stale claim flagged
utr reuse detected
screenshot claim recorded
stale claim flagged
utr reuse detected
screenshot claim recorded
stale claim flagged
utr reuse detected
screenshot claim recorded
stale claim flagged
utr reuse detected
screenshot claim recorded
stale claim flagged
utr reuse detected
screenshot claim recorded
stale claim flagged
utr reuse detected
screenshot claim recorded
stale claim flagged
utr reuse detected
screenshot claim recorded
EzDocs read the whole trail as one conversation — where the case stands is on the page
Received: other
image.png
Received: bank_statement
image.png
Received: other
image.png
Document could not be read — a clear copy was asked for
This appears to be a portrait photo, not a live selfie
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Received: other
image.png
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Wrote the documents acknowledged mail — held, silent mode
NOI case NOI-2026-01798
acknowledged with advice
No fee quote sent — the branch's own figures were right
This case's screenshot names a credit tied to a case already past its challan — a person decides
applicant email captured
Received: PAN card
IMG_20260810_111459.jpg
Received: Selfie — not usable
IMG-20260810-WA0000.jpg — This appears to be a portrait photo, not a live selfie
The payment proof already on the case was applied
insurance twin detected
Received: PAN card
IMG_20260810_111732.jpg
Payment proof arrived before the case was quoted — held
Selfie checked — a live one
A real selfie — usable for the e-filing.
Property checked by the engine — read from the report, every box that names the flat is there
Received: Selfie
IMG-20260810-WA0001.jpg
Received: LSR
KUNDAN BHAT-SHREE SAI HILLS-KESNAND-BT.pdf
Property read from the legal / technical report (the sanction letter had none)
Received: Payment screenshot
IMG-20260915-WA0050.jpg
Received: Sanction letter
Main Loan sanction Letter Bhat.pdf
Co-applicant added
kyc address read
Received: Sanction letter
Top up loan Sanction Letter Bhat.pdf
kyc address read
Received: Technical report
HRQ-26-137073_INDProcessRequest_2500320260915173319033.pdf
Received: Aadhaar
IMG_20260915_173749.jpg
Received: Aadhaar
IMG_20260915_173741.jpg
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 needsall in
13 of 13 in hand · the challan is done — these are for the filing / KYC
✓Aadhaar cardopen
✓Technical reportopen
✓Sanction letteropen
✓LSR (search report)open
✓Selfie / photoopen
✓PAN cardopen
✓Bank statementopen
✓Paid challan (GRAS)open
✓E-filing copy (token)open
✓Property address — verified by the engine, from the Index II (correct below if anything is off)
Mails & papers →every paper, beside its mail · 19 files
The whole file has not been read yet19 papers on file
Moneyall of it is in
₹26,980.41
Reached our account 16 Sep 11:36:51.
How we know
Our own bank told us — 16 Sep 11:36
₹26,995 · UTR 672154284307 · from BP-HDFCBK-S · a/c …6969
“Credit Alert!
Rs.26995.00 credited to HDFC Bank A/c XX6969 on 16-09-26 from VPA shrianilpatil40@ybl (UPI 672154284307)”
Matched by: AMOUNT ALONE — equals our ask; no screenshot or UTR agrees yet · the case's screenshot names this very road
The working
Stamp duty 0.3%9,930
Registration fee 0.5%15,000
Government handling350
Our service fee1,700
Total we ask for26,980.41
By law ₹26,965.60. We ask ₹26,980 (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 Index II
105, 1st, Shri Sai Hills, Building B, GAT, 79, Kesanand, 412207
read from the Index II · e-filing boxes 44 of 46 ready
Check the property →the boxes beside the paper
People
Monika Kundan Bhat · applicantCQSPB6654FKundan Bhaskar Bhat · co-applicantAZCPB1377L
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