⚠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.
Atul Ganpat Bandgar, Kirti Atul Bandgar
LAN 77000353239Loan ₹19,94,715NOIWaiting for the Index IIMails & papers 3 1 new 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
today 16:33
Documents
Payment
done today 16:35
Challan
took 9m · GRAS ↗
Filing
waiting 5h 25m · 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 stated that payment has been done. The team is now expected to provide the NOI challan.whole case so far 5h 36m
Needs your eyes2
Selfie / photo: copy on file cannot be used. A usable one is being asked for.
1 difference(s) between the papers to look at once — none stops the challan. See them →
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
Pune
Taluka
Daund
Village
Gopalwadi
Number type
PLOT
Number
60
Building
Prime Town
Floor
(empty)
Flat / shop no
Plot No 60
Area
184.04
Hadd
(empty)
Read from the technical report, not the Index II. technical atul bandgar case.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 (5h ago) — open the verification page; they are marked in red.
Floor is empty — the portal will not take a blank. Fill it on the verification page first →
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:
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• 10 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, attr1_type, attr1_value, attr2_value
• changed — area unit: the case held SQ.MT; filled SQ FT — the whole-file reading, from Technical report (document 2), reads it so
• changed — area: the case held 184.04; filled 2576.0 — the whole-file reading, from Technical report (document 2), reads it so
• changed — Survey No / Attribute 1 & 2: the case held 60 · 27/2 AND 27/1/A/1; filled 27/2, 27/1/A/1 · 60 — Technical report (document 2) prints these numbers for this property — every one, each with its own word; the portal's two boxes carry them all
• check — Loan numbers between sanction letters: main lan.pdf says Loan proposal/ account No. 77000353238, amount Rs. 19,30,000; insu atul.pdf says Loan proposal/ account No. 77000353239, amount Rs. 64,715
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.
Historywhat happened on this case, newest first
Today · 13 Oct69 things
quoted history checked
extra challan scanned
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
ATUL GANPAT BANDGAR EchallanMH011926529202627E.pdf
file note490
mail against file490 — by ezdocs:reader
address compared
documents read together
Property read, but a box is missing — a person fills and checks
property self check
copilot edit — by copilot:KUNAL
copilot check issues — by copilot
form checked489
reading boxes not the papers words — by copilot
challan boxes not the papers words — by copilot
challan boxes composed
reader mail addition — by ezdocs:reader
The home address was read off the papers — by ezdocs:reader
file note490
branch from reading501 — by ezdocs:reader
case read — by ezdocs:reader
pages trimmed480
pages trimmed480
money settled — by ezdocs:reader
money not settled
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-03465
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The payment proof already on the case was applied
cards read
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
money corrected from papers
Property read from the legal / technical report (the sanction letter had none)
Property checked by the engine — read from the report, every box that names the flat is there
Property read from the legal / technical report (the sanction letter had none)
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
Property read from the legal / technical report (the sanction letter had none)
roles from letter
Co-applicant added
kyc address read
Received: Aadhaar
atul kyc.pdf
insurance twin detected
Received: LSR
Atul Bandgar plot prchase prime town Lsr.pdf
case read started — by ezdocs:reader
applicant email captured
Nothing new to ask for — stayed quiet
Document could not be read — a clear copy was asked for
this is a photograph of a printed photo, not a live selfie
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
Payment proof arrived before the case was quoted — held
credit seen before bill
Payment proof arrived before the case was quoted — held
Received: Sanction letter
main lan.pdf
Received: Sanction letter
insu atul.pdf
EzDocs read the whole trail as one conversation — where the case stands is on the page
Received: Technical report
technical atul bandgar case.pdf
Received: Selfie — not usable
selfie app and co app.pdf — this is a photograph of a printed photo, not a live selfie
Received: Payment screenshot
IMG-20261013-WA0104.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 needs2 still to come
9 of 11 in hand · the challan is done — these are for the filing / KYC
Selfie / photo (CANNOT BE READ — clear copy asked — this is a photograph of a printed photo, not a live selfie)open
✓Technical reportopen
✓Sanction letteropen
✓LSR (search report)open
✓Aadhaar cardopen
✓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
Mails & papers →every paper, beside its mail · 8 files
The file, as the engine remembers it12 open
The file contains loan sanction letters, a technical valuation report, a legal scrutiny report, and KYC documents for applicants Atul Ganpat Bandgar and Kirti Atul Bandgar. The property is an open plot (Plot No. 60, Survey No. 27/2 and 27/1/A/1 Part) at Village Gopalwadi, Taluka Daund, District Pune
○the photo — the branch
✗the photo could not be read (selfie app and co app.pdf) — the branch — this is a photograph of a printed photo, not a live selfie
○ATUL GANPAT BANDGAR — home building — the branch
○ATUL GANPAT BANDGAR — home flat — the branch
○Kirti Atul Bandgar — mobile — the branch
○Kirti Atul Bandgar — e-mail — the branch
○Kirti Atul Bandgar — home building — the branch
○Kirti Atul Bandgar — home flat — the branch
○Kirti Atul Bandgar — home road — the branch
○property — floor — the branch
… and 2 more
?the papers disagree on Loan numbers between sanction letters (main lan.pdf: Loan proposal/ account No. 77000353238, amount Rs. 19,30,000; insu atul.pdf: Loan proposal/ account No. 77000353239, amount Rs. 64,715) — Confirm with the branch that both loan accounts are secured by the same property and that the challan fee is computed on the combined total.
?unsure of Date of Mortgage — The legal scrutiny report and technical report state that the sale deed is yet to be registered and the mortgage will be created after regis
the branch's last mail (2026-10-13): The bank has made the payment and asks for the 0.3 and 0.5 NOI challan as the case is lined up for disbursement. · brought: The branch states payment has been done.; Applicant Live Photo Both; Applicant Live Photo Both
read once, kept; every new mail and paper is read against this note · kept 2026-10-13T11:11 UTC
Moneyall of it is in
₹18,020.82
Reached our account 16:26:33.
How we know
Our own bank told us — 16:26
₹18,000 · UTR 830618352370 · from BP-HDFCBN-S
“Successful! You have received Rs. 18000.00 via HDFC Bank SmartHub Vyapar from LONDHE TUS . RRN-830618352370 , Check: https://1.hdfc.bank.in/HDFCBK/s/qm0Yj2XX”
Matched by: the screenshot's amount AND its minute agree with this credit
The working
Stamp duty 0.3%5,990
Registration fee 0.5%9,980
Government handling350
Our service fee1,700
Total we ask for18,020.82
By law ₹18,007.73. We ask ₹18,020 (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
Plot No 60, Prime Town, PLOT, 60, Gopalwadi, 413801
read from the technical report · e-filing boxes 30 of 46 ready
Check the property →the boxes beside the paper
People
Kirti Atul Bandgar · co-applicantFFFPB5613RATUL GANPAT BANDGAR · applicantAUPPB2878Q
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