⚠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-2026-03465

Atul Ganpat Bandgar, Kirti Atul Bandgar

LAN 77000353239 Challan paid · waiting on the branch Waiting for the Index II Send the draft 1 All documents Mails & papers 3

Mail in

Documents

Payment

Challan

Filing

E-filing

Index II

What the e-filing still needs2 still to come

9 of 11 in hand.
the challan is done — these are for the IGR filing / KYC

✓Payment screenshot — money verifiedopen

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

✓Bank's calculation sheet — inside insu atul.pdfopen

✓PAN card — inside atul kyc.pdfopen

✓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

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

Needs your eyes

Selfie / photo: copy on file cannot be used. A usable one is being asked for.

MoneyAll of it is in

₹18,020.82CASE MARK

The whole amount reached our account. Nothing is pending on this case.

₹18,000 receivedthe receipt's amount and minute agree

Stamp duty 0.3%5,990

Registration fee 0.5%9,980

Government handling350

Our service fee1,700.82

Total we ask for18,020.82

the branch’s receipt claims ₹18,000 830618352370

paid 16:26:33 · verified 16:35:46 · 9 min 13 s later

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

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.

See the full workingevery row, and the property

Time takennot shown to the bank

Challan 6 minour time · 16:41

Index II —not yet

the NOI team 7 h 04 mintotal 7 h 04 min so far

Now with the NOI team — e-filing on IGR

since 16:41 — 6 h 58 min of working time

Day by day — every step and who held it

16:33Your branch's mail

16:33Payment landedat once

16:35Papers read+1 min · the NOI team

16:35Property readat once

16:35Fee quotedat once

16:35Payment verifiedat once

16:35Ready for the challanat once

16:41Challan made+5 min · the NOI team

Case facts

Bank

ICICI_HFC

Loan amount

₹19,94,715

Loan account no.

77000353239

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

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

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 (6h 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 step

Wait for the branch's Index II, then file the NOI

The challan is paid. Open the e-filing portal — log in, and the NOI Co-pilot takes it from there: it types the Date of Mortgage (the portal creates the token right then, and it is written on this case), opens each page as the portal turns it yellow, picks every list with EzDocs and reads every page back against the case before it says “filled”. You check, do photo/thumb, and press each Save and the final submit. Then press this so the branch knows — it is what they chase when they ask for the token.

The branch has not sent the title document (the Index II of the sale deed, or the sale deed). The e-filing on the IGR site starts from its document number — district, SRO, year, number — so the filing cannot begin. The engine asked for it with the challan mail and asks again every few days; the NOI’s own Index II comes only after the filing. If the paper is in hand, upload it under All documents and the case becomes our move by itself.

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

New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.

⚠ 1 difference between the papers the co-pilot shows the same on the challan and on every e-filing page, above the form and beside the box

CHECKLoan numbers between sanction letters

Main lan.pdf	Loan proposal/ account No. 77000353238, amount Rs. 19,30,000 77000353238
Insu atul.pdf	Loan proposal/ account No. 77000353239, amount Rs. 64,715 77000353239

Why it matters: The file contains two sanction letters under two connected loan numbers for the same borrower and property: one for the main home loan (ending 38) and one for insurance/non-housing (ending 39). The branch request asks to file for loan ending 39, but the total borrowing includes both parts.

What to do: 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.

Compared: the technical report, the legal report (TSR); and the whole-file reading. Nothing here is typed or changed by itself.

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

The branch has sent the loan documents and stated that payment has been done. The team is now expected to provide the NOI challan.

the trail says the next move is with the NOI team — the challan

the branch last asked: Kindly Provide 0.3 and 0.5 Noi Challan In Case Of Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR APP No.77000353239

✓ loan papers sent — done, mail 1 the sentence it relies on is not in that mail — not counted

✓ fee paid — the branch's words — done, mail 1 (2026-10-13) “Payment Has been Done Kindly Provide 0.3 and 0.5 Noi Challan In Case Of Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR APP No.77000353239”

? challan made — asked, mail 1 (2026-10-13) “Payment Has been Done Kindly Provide 0.3 and 0.5 Noi Challan In Case Of Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR APP No.77000353239”

✓ Index II / sale deed sent by the branch — done, mail 1 the sentence it relies on is not in that mail — not counted

read over 1 mail(s), last mail 2026-10-13 · read 7h 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 (6h ago) — open the verification page; they are marked in red.

2File the NOI on the IGR site, then tell the branchYOU ARE HERE

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	MH011926529202627E	—	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. Your own words, or a paper of the case with it? Reply on Mails & papers →

DRAFT — written by the engine, not sent

NOI case NOI-2026-03465

how it will look to the branch

Dear Team,

We acknowledge receipt of your documents and payment for the captioned case. We will initiate the challan for the same.

ApplicantAtul Ganpat Bandgar, Kirti Atul Bandgar

LAN77000353239

Loan AmtRs. 19,94,715

ReceivedApplicant's Aadhaar Card, Applicant's PAN Card, Bank's calculation sheet, LSR (Legal Search Report), Payment Screenshot with UTR, Sanction Letter, Technical Report

Payment of Rs. 18,000.00 stands VERIFIED against the credit in our account on 13-Oct-2026 (UTR: 830618352370). Nothing further is due on this case.

Still needed to complete the NOI e-filing (this does NOT hold up the challan or your disbursement):

Applicant's Selfie / Photo

Next: we generate the GRAS challan and share the paid challan on this same thread. Our TAT of 24 working hours starts now.

Regards,
Aradhana Rai
NOI Coordinator | One Legal
+91 8888706969

open on Draft mails instead

The letter is yours to edit right here. The subject can't change — that keeps the reply on the bank's thread. Edits are kept in the record with your name.

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 paper

SJ sagar.jambhale@icicihfc.com icicihfc.com
13 Oct, 16:33 · 7h ago THE FIRST MAIL — how this case began

Payment Has been Done Kindly Provide 0.3 and 0.5 Noi Challan In Case Of Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR APP

📎 IMG-20261013-WA0104.jpg ↗📎 selfie app and co app.pdf ↗📎 technical atul bandgar case.pdf ↗📎 insu atul.pdf ↗📎 main lan.pdf ↗📎 Atul Bandgar plot prchase prime town Lsr.↗📎 atul kyc.pdf ↗

Dear Team,

Payment Has been Done Kindly Provide 0.3 and 0.5 Noi Challan In Case Of Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR APP No.77000353239

Pls provided as soon as possible Case line up for Disbursement

Attched Documents....

1) Apliacant Both KYC Pan Card

2) Index 2

3)Technical Report

4)Payment Snap

5)Aplicant Live Photo Both

6)Main Ins Sanction Letter

sagar jambhale

🤖 read: asks for the challan; says the fee is paid ✓; documents attached; note: Case line up for Disbursement — “Kindly Provide 0.3 and 0.5 Noi Challan”

OL The NOI teamTYPED IN GMAIL
13 Oct, 16:43 · 6h ago

📎 ATUL GANPAT BANDGAR EchallanMH011926529202 ↗

Team,

Please find the challan attached for your reference.

Aradhana Rai

NOI Coordinator | One Legal

+91 8888706969

earlier mails quoted below

On Tue, 13 Oct 2026 at 16:34, Sagar Jambhale /DIST/ICICIHFC/BRMTI <
sagar.jambhale@icicihfc.com> wrote:

Dear Team,

*Payment Has been Done Kindly Provide 0.3 and 0.5 Noi Challan In Case Of
Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR **APP No.77000353239*

Pls provided as soon as possible Case line up for Disbursement

Attched Documents....

1) Apliacant Both KYC Pan Card

2) Index 2

3)Technical Report

4)Payment Snap

5)Aplicant Live Photo Both

6)Main Ins Sanction Letter

sagar jambhale

🤖 read: challan shared ✓ — “Please find the challan attached for your reference.”

OL The NOI teamTYPED IN GMAIL
13 Oct, 16:43 · 6h ago

Team,

For the NOI filing, we need the index 2 copy.

Aradhana Rai

NOI Coordinator | One Legal +91 8888706969

earlier mails quoted below

On Tue, 13 Oct 2026 at 16:43, NOI ICICIHFC < icicihfcnoi@ezdocs.co.in > wrote:

Team,

Please find the challan attached for your reference.

Aradhana Rai
NOI Coordinator | One Legal  +91 8888706969

On Tue, 13 Oct 2026 at 16:34, Sagar Jambhale  /DIST/ICICIHFC/BRMTI < sagar.jambhale@icicihfc.com > wrote:

Dear Team,

Payment Has been Done Kindly Provide 0.3 and 0.5 Noi Challan In Case Of Mr. ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR
APP No.77000353239

Pls provided as soon as possible Case line up for Disbursement

Attched Documents....

1) Apliacant Both KYC Pan Card

2) Index 2

3)Technical Report

4)Payment Snap

5)Aplicant Live Photo Both

6)Main Ins Sanction Letter

sagar jambhale

🤖 read: asks the branch for documents — “For the NOI filing, we need the index 2 copy.”

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
Payment screenshot	IMG-20261013-WA0104.jpg	filed	7h ago
Selfie / photo	selfie app and co app.pdf	CANNOT BE READ — clear copy asked	7h ago
Technical report	technical atul bandgar case.pdf	filed	7h ago
Sanction letter+ Bank's calculation sheet inside	insu atul.pdf	filed	7h ago
Sanction letter	main lan.pdf	filed	7h ago
LSR (search report)	Atul Bandgar plot prchase prime town Lsr.pdf	filed	7h ago
Aadhaar card+ PAN card inside	atul kyc.pdf	filed	7h ago
Paid challan (GRAS)	ATUL GANPAT BANDGAR EchallanMH011926529202627E.pdf	filed	6h 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
₹18,020.82

Where it stands
VERIFIED — money received

Screenshot claims
₹18,000 830618352370

Paid at
16:26:33

Verified on
16:35:46

Fee working (ours)

Stamp duty	Filing fee	DHC	Our service fee	Total
₹5,990	₹9,980	₹350	₹1,700	₹18,020

By law ₹18,007.73. We ask ₹18,020 (rounded up to ₹10 — our rule).

why?

Property (must be perfect)

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

Empty: Date of Mortgage, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Floor, Property type (Open / Building / Open + Building) …

21 box(es) highlighted — no Index II on the case yet, so the property boxes come from another paper; not from the Index II / the Aadhaar, derived, or EzDocs was not sure: District, Taluka, Village, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Building (with wing), Flat / shop no …

✗ EzDocs found boxes that do NOT agree with the document (6h ago) — open the verification page; they are marked in red.

CHECKED by the engine, from the technical report — correct any box that is off; a correction clears thissource: the technical report (technical atul bandgar case.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

empty

Village / City

✓ in the document

Number type (GAT / SURVEY / CTS / PLOT)

✓ in the document

Number

✓ in the document

⚠ 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.

Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune

saving a change clears verification until someone verifies again

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

the technical report BASE — the challan follows this

technical atul bandgar case.pdf

Property Address line
PLOT NO 60 SR NO 27/2 AND 27/1/A/1 PART ,AT MOUJE GOPALWADI,DAUND DIST PUNE

Legal Address line
PLOT NO 60 SR NO 27/2 AND 27/1/A/1 PART AT MOUJE GOPALWADI, DAUND DIST PUNE

PIN
413801

the legal report (TSR)

Atul Bandgar plot prchase prime town Lsr.pdf

as printed
SURVEY NO.27/2/1/A/1 PLOT NO.60 AREA ADMS. 2.39.37 R SQ MTRS WITHIN LIMITS OF VILLAGE GOPALWADI TAL DAUND DIST. PUNE

THE CHALLAN, as it will be typed

Flat/Survey Number
PLOT NO 60 SR NO 27/2 AND 27/1/A/1 PART

Locality/Road
AT MOUJE GOPALWADI NEAR HOTEL ANAND TAL DAUND DIST PUNE

Area/City
PUNE

check or correct a box, the papers beside it →

the legal report (TSR) also prints: 2, 27/2/1/A/1, 37, 39, ADMS

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
co_mortgagor	Kirti Atul Bandgar	FFFPB5613R	…2430
mortgagor	ATUL GANPAT BANDGAR	AUPPB2878Q	…2868

All mail records (for Abhijit — safe to ignore)

1 mail(s) written and held — read and send them on Draft mails.

Template	To	When
acknowledgement	sagar.jambhale@icicihfc.com	7h ago

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

Payment screenshot IMG-20261013-WA0104.jpg needs your check

utr
830618352370

date
2026-10-13

time
16:26

amount
18000

method
PhonePe

payee upi
VYAPAR.********0123@HDFC

payee name
EZDOCS

raw reading (for Abhijit)

{'utr': '830618352370', 'date': '2026-10-13', 'time': '16:26', 'amount': 18000, 'method': 'PhonePe', 'payee_upi': 'VYAPAR.********0123@HDFC', 'payer_upi': None, 'payee_name': 'EZDOCS', 'payer_name': None, 'debit_notification_text': None}

Payment screenshot IMG-20261013-WA0104.jpg needs your check

payments inside
payments: [{'utr': '830618352370', 'date': '2026-10-13', 'page': 1, 'time': '16:26', 'payee': 'EZDOCS', 'amount': 18000.0, 'direction': 'debit', 'narration': 'VYAPAR.********0123@HDFC...', 'proof_kind': 'success_screen'}

raw reading (for Abhijit)

{'payments_inside': {'payments': [{'utr': '830618352370', 'date': '2026-10-13', 'page': 1, 'time': '16:26', 'payee': 'EZDOCS', 'amount': 18000.0, 'direction': 'debit', 'narration': 'VYAPAR.********0123@HDFC...', 'proof_kind': 'success_screen'}]}}

Selfie / photo selfie app and co app.pdf needs your check

kind
photo_of_printed_photo

legible
False

confidence
0.9

face visible
True

quality issue
this is a photograph of a printed photo, 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 printed photo, not a live selfie'}

Sanction letter insu atul.pdf needs your check

lan
77000353239

legible
True

purpose
Non Housing loan and Insurance

loan type
Non Housing loan and Insurance

confidence
1

rate words
IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)7.70% 11.20 %p.a

loan amount
64715

rate spread
-7.7

final amount
64715

interest rate
11.2

sanction date
13/10/2026

reference rate
18.9

applicant email
atulbandgar657@gmail.com

applicant names
ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR

applicant mobile
+91-9561776807

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

applicant address verbatim
Gopalwadi Road Samata Nagar, Daund Daund Pune, Daund, Pune Moffusil, PUNE, MAHARASHTRA, IN, 413801

raw reading (for Abhijit)

{'lan': '77000353239', 'legible': True, 'purpose': 'Non Housing loan and Insurance', 'borrowers': [], 'loan_type': 'Non Housing loan and Insurance', 'confidence': 1, 'rate_words': 'IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)7.70% 11.20 %p.a', 'handwritten': [], 'linked_refs': [], 'loan_amount': 64715, 'rate_spread': -7.7, 'final_amount': 64715, 'interest_rate': 11.2, 'quality_issue': None, 'sanction_date': '13/10/2026', 'letter_version': None, 'reference_rate': 18.9, 'applicant_email': 'atulbandgar657@gmail.com', 'applicant_names': ['ATUL GANPAT BANDGAR', 'KIRTI ATUL BANDGAR'], 'printed_altered': None, 'applicant_mobile': '+91-9561776807', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': None, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'Gopalwadi Road Samata Nagar, Daund Daund Pune, Daund, Pune Moffusil, PUNE, MAHARASHTRA, IN, 413801'}

Sanction letter main lan.pdf needs your check

lan
77000353238

legible
True

purpose
Home Loan and Purchase/Improvement of Property

borrowers
{'name': 'ATUL GANPAT BANDGAR', 'role': 'applicant', 'label': 'Customer Name'}, {'name': 'KIRTI ATUL BANDGAR', 'role': 'co_applicant', 'label': 'Customer Name'}

loan type
Home Loan

confidence
1

rate words
IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)7.70% 11.20 %p.a

linked refs
77000353239

loan amount
1930000

rate spread
-7.7

final amount
1930000

interest rate
11.2

sanction date
13/10/2026

letter version
HF-38-VER-14-01072026/KFS

reference rate
18.9

applicant email
atulbandgar657@gmail.com

applicant names
ATUL GANPAT BANDGAR, KIRTI ATUL BANDGAR

printed altered
False

applicant mobile
+91-9561776807

balance transfer
False

property address

final amount label
Sanctioned Loan amount (in Rupees)

includes insurance
False

applicant address verbatim
Gopalwadi Road Samata Nagar, Daund Daund Pune, Daund, Pune Moffusil, PUNE, MAHARASHTRA, IN, 413801

raw reading (for Abhijit)

{'lan': '77000353238', 'legible': True, 'purpose': 'Home Loan and Purchase/Improvement of Property', 'borrowers': [{'name': 'ATUL GANPAT BANDGAR', 'role': 'applicant', 'label': 'Customer Name'}, {'name': 'KIRTI ATUL BANDGAR', 'role': 'co_applicant', 'label': 'Customer Name'}], 'loan_type': 'Home Loan', 'confidence': 1, 'rate_words': 'IHPLR (ICICI Home Prime Lending Rate) 18.9% (-)7.70% 11.20 %p.a', 'handwritten': [], 'linked_refs': ['77000353239'], 'loan_amount': 1930000, 'rate_spread': -7.7, 'final_amount': 1930000, 'interest_rate': 11.2, 'quality_issue': None, 'sanction_date': '13/10/2026', 'letter_version': 'HF-38-VER-14-01072026/KFS', 'reference_rate': 18.9, 'applicant_email': 'atulbandgar657@gmail.com', 'applicant_names': ['ATUL GANPAT BANDGAR', 'KIRTI ATUL BANDGAR'], 'printed_altered': False, 'applicant_mobile': '+91-9561776807', 'balance_transfer': False, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': None, 'flat_no': None, 'district': None, 'floor_no': None, 'landmark': None, 'full_address': None, 'village_city': None, 'building_name': None, 'survey_or_cts_no': None}, 'insurance_premium': None, 'final_amount_label': 'Sanctioned Loan amount (in Rupees)', 'includes_insurance': False, 'total_with_insurance': None, 'security_address_verbatim': None, 'applicant_address_verbatim': 'Gopalwadi Road Samata Nagar, Daund Daund Pune, Daund, Pune Moffusil, PUNE, MAHARASHTRA, IN, 413801'}

Aadhaar card atul kyc.pdf needs your check

dob
1994-02-17

name
Kirti Atul Bandgar

address
pin: 413801; state: Maharashtra; district: Pune; village_city: Daund

legible
True

aadhaar last4
2430

raw reading (for Abhijit)

{'dob': '1994-02-17', 'pan': None, 'name': 'Kirti Atul Bandgar', 'mobile': None, 'address': {'pin': '413801', 'area': None, 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Pune', 'post_office': None, 'village_city': 'Daund'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '2430', 'quality_issue': None}

Technical report technical atul bandgar case.pdf needs your check

found
True

found in
PROPERTY ADDRESS

area sq m
184.04

paper for
loan_ref: 77000353238; report_id: HRQ-26-157044; customer_name: Atul Ganpat Bandgar

confidence
0.95

reading486
property

address lines
taken: legal; legal_address: Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune; property_address: Plot No 60 Sr No 27/2 And 27/1/A/1 Part ,At Mouje Gopalwadi, ,Daund Dist Pune

property address
pin: 413801; state: Maharashtra; taluka: Daund; flat_no: Plot No 60; district: Pune; landmark: Near Hotel Anand; full_address: Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune; village_city: Go

security address verbatim
Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune

raw reading (for Abhijit)

{'found': True, 'found_in': 'PROPERTY ADDRESS', 'area_sq_m': 184.04, 'paper_for': {'loan_ref': '77000353238', 'report_id': 'HRQ-26-157044', 'customer_name': 'Atul Ganpat Bandgar'}, 'pin_other': None, 'confidence': 0.95, '_reading486': 'property', 'address_lines': {'taken': 'legal', 'legal_address': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune', 'property_address': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part ,At Mouje Gopalwadi, ,Daund Dist Pune'}, 'property_address': {'pin': '413801', 'road': None, 'state': 'Maharashtra', 'taluka': 'Daund', 'flat_no': 'Plot No 60', 'district': 'Pune', 'floor_no': None, 'landmark': 'Near Hotel Anand', 'full_address': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune', 'village_city': 'Gopalwadi', 'building_name': None, 'survey_or_cts_no': 'Plot No 60, Sr No 27/2 And 27/1/A/1'}, 'security_address_verbatim': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune'}

Aadhaar card atul kyc.pdf needs your check

dob
1994-02-17

pan
FFFPB5613R

name
KIRTI ATUL BANDGAR

legible
True

father name
SHANKAR SHIVAPPA GHODKE

raw reading (for Abhijit)

{'dob': '1994-02-17', 'pan': 'FFFPB5613R', 'name': 'KIRTI ATUL BANDGAR', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'SHANKAR SHIVAPPA GHODKE', 'aadhaar_last4': None, 'quality_issue': None}

Technical report technical atul bandgar case.pdf needs your check

found
True

found in
PROPERTY ADDRESS

area sq m
184.04

paper for
loan_ref: 77000353238; report_id: HRQ-26-157044; customer_name: Atul Ganpat Bandgar

confidence
0.95

reading486
property

security address verbatim
Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune

raw reading (for Abhijit)

{'found': True, 'found_in': 'PROPERTY ADDRESS', 'area_sq_m': 184.04, 'paper_for': {'loan_ref': '77000353238', 'report_id': 'HRQ-26-157044', 'customer_name': 'Atul Ganpat Bandgar'}, 'pin_other': None, 'confidence': 0.95, '_reading486': 'property', 'address_lines': {'taken': 'legal', 'legal_address': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune', 'property_address': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part ,At Mouje Gopalwadi, ,Daund Dist Pune'}, 'property_address': {'pin': '413801', 'road': None, 'state': 'Maharashtra', 'taluka': 'Daund', 'flat_no': 'Plot No 60', 'district': 'Pune', 'floor_no': None, 'landmark': 'Near Hotel Anand', 'full_address': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune', 'village_city': 'Gopalwadi', 'building_name': None, 'survey_or_cts_no': 'Sr No 27/2 And 27/1/A/1 Part'}, 'security_address_verbatim': 'Plot No 60 Sr No 27/2 And 27/1/A/1 Part At Mouje Gopalwadi, Daund Dist Pune'}

LSR (search report) Atul Bandgar plot prchase prime town Lsr.pdf needs your check

found
True

found in
Description of Property with Boundaries

area sq m
239.37

paper for
loan_ref: 77000353238; customer_name: Mr. Atul Ganpat Bandgar

confidence
0.95

reading486
property

property address
taluka: Daund; district: Pune; full_address: Survey NO.27/2/1/A/1 Plot No.60, Village Gopalwadi, Tal Daund, Dist. Pune; village_city: Gopalwadi; building_name: Prime Town; survey_or_cts_no: Survey NO. 27/2/1/A/1, Plot No

security address verbatim
Survey NO.27/2/1/A/1 Plot No.60 area adms. 2.39.37 R Sq Mtrs within limits of Village Gopalwadi Tal Daund Dist. Pune

raw reading (for Abhijit)

{'found': True, 'found_in': 'Description of Property with Boundaries', 'area_sq_m': 239.37, 'paper_for': {'loan_ref': '77000353238', 'report_id': None, 'customer_name': 'Mr. Atul Ganpat Bandgar'}, 'pin_other': None, 'confidence': 0.95, '_reading486': 'property', 'address_lines': None, 'property_address': {'pin': None, 'road': None, 'state': None, 'taluka': 'Daund', 'flat_no': None, 'district': 'Pune', 'floor_no': None, 'landmark': None, 'full_address': 'Survey NO.27/2/1/A/1 Plot No.60, Village Gopalwadi, Tal Daund, Dist. Pune', 'village_city': 'Gopalwadi', 'building_name': 'Prime Town', 'survey_or_cts_no': 'Survey NO. 27/2/1/A/1, Plot No. 60'}, 'security_address_verbatim': 'Survey NO.27/2/1/A/1 Plot No.60 area adms. 2.39.37 R Sq Mtrs within limits of Village Gopalwadi Tal Daund Dist. Pune'}

Aadhaar card atul kyc.pdf needs your check

dob
1994-02-17

name
Kirti Atul Bandgar

page
1

address
pin: 413801; state: Maharashtra; district: Pune; village_city: Daund

legible
True

card kind
aadhaar

card of many
1

aadhaar last4
2430

raw reading (for Abhijit)

{'dob': '1994-02-17', 'pan': None, 'name': 'Kirti Atul Bandgar', 'page': 1, 'mobile': None, 'address': {'pin': '413801', 'area': None, 'flat': None, 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Pune', 'post_office': None, 'village_city': 'Daund'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 1, 'aadhaar_last4': '2430', 'quality_issue': None}

Aadhaar card atul kyc.pdf needs your check

dob
1994-02-17

pan
FFFPB5613R

name
KIRTI ATUL BANDGAR

page
3

legible
True

card kind
pan

father name
SHANKAR SHIVAPPA GHODKE

card of many
2

raw reading (for Abhijit)

{'dob': '1994-02-17', 'pan': 'FFFPB5613R', 'name': 'KIRTI ATUL BANDGAR', 'page': 3, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'SHANKAR SHIVAPPA GHODKE', 'card_of_many': 2, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card atul kyc.pdf needs your check

dob
1990-04-05

pan
AUPPB2878Q

name
ATUL GANPAT BANDGAR

page
4

legible
True

card kind
pan

father name
GANPAT MAHADEO BANDGAR

card of many
3

raw reading (for Abhijit)

{'dob': '1990-04-05', 'pan': 'AUPPB2878Q', 'name': 'ATUL GANPAT BANDGAR', 'page': 4, 'mobile': None, 'address': None, 'legible': True, 'card_kind': 'pan', 'father_name': 'GANPAT MAHADEO BANDGAR', 'card_of_many': 3, 'aadhaar_last4': None, 'quality_issue': None}

Aadhaar card atul kyc.pdf needs your check

dob
1990-01-01

name
Atul Ganpat Bandgar

page
5

address
pin: 413801; area: SAMATA NAGAR; road: GOPALWADI ROAD; state: Maharashtra; district: Pune; village_city: Daund

legible
True

card kind
aadhaar

card of many
4

aadhaar last4
2868

raw reading (for Abhijit)

{'dob': '1990-01-01', 'pan': None, 'name': 'Atul Ganpat Bandgar', 'page': 5, 'mobile': None, 'address': {'pin': '413801', 'area': 'SAMATA NAGAR', 'flat': None, 'road': 'GOPALWADI ROAD', 'floor': None, 'state': 'Maharashtra', 'building': None, 'district': 'Pune', 'post_office': None, 'village_city': 'Daund'}, 'legible': True, 'card_kind': 'aadhaar', 'father_name': None, 'card_of_many': 4, 'aadhaar_last4': '2868', 'quality_issue': None}

Paid challan (GRAS) ATUL GANPAT BANDGAR EchallanMH011926529202627E.pdf needs your check

grn
MH011926529202627E

pin
413801

total
15970

article
6(1)

defaced
False

bank cin
03006172026101301152

district
PUNE

area city
PUNE

payer pan
AUPXXXXXXQ

flat block
PLOT NO 60 SURVEY NO 27/2 AND 27/1/A/1 PART AT MOUJE GOPALWADI

payer name
ATUL GANPAT BANDGAR

sro office
DND_DHAUND SUB REGISTRAR

paying bank
PUNJAB NATIONAL BANK

remarks raw
PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=1994715

scheme rows
{'amount': 5990, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 9980, 'head_code': '0030063301', 'description': 'Registration Fee'}

payer mobile
XXXXXX6807

payment date
13/10/2026-16:41:17

road locality
TAL DAUND DIST PUNE MAHARASHTRA

second party pan
AAACI6285N

second party name
ICICI HOME FINANCE COMPANY LTD

consideration amount
1994715

raw reading (for Abhijit)

{'grn': 'MH011926529202627E', 'pin': '413801', 'total': 15970, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101301152', 'district': 'PUNE', 'area_city': 'PUNE', 'payer_pan': 'AUPXXXXXXQ', 'flat_block': 'PLOT NO 60 SURVEY NO 27/2 AND 27/1/A/1 PART AT MOUJE GOPALWADI', 'payer_name': 'ATUL GANPAT BANDGAR', 'sro_office': 'DND_DHAUND SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACI6285N~SecondPartyName=ICICI HOME FINANCE COMPANY LTD~CA=1994715', 'scheme_rows': [{'amount': 5990, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 9980, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX6807', 'payment_date': '13/10/2026-16:41:17', 'road_locality': 'TAL DAUND DIST PUNE MAHARASHTRA', 'second_party_pan': 'AAACI6285N', 'second_party_name': 'ICICI HOME FINANCE COMPANY LTD', 'consideration_amount': '1994715'}

Technical record (for Abhijit — safe to ignore)

6h ago	system:reconcile	quoted_history_checked	{}
6h ago	system:reconcile	extra_challan_scanned	{'found': 0}
6h 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 AUxxxxxxXQ — no paper on the
6h ago	system:ingest	filing_waits_on_title_doc	{'was': 'VENDOR', 'why': "the challan is paid, and the e-filing on the IGR site starts from the registered title deed's number (district / SRO / year / document no.) — printed on the Index II or the sale deed, which the
6h ago	system:ingest	challan_found_on_case	{'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'ATUL GANPAT BANDGAR EchallanMH011926529202627E.pdf', 'kind':
6h ago	system:ingest	desk_document_shared	{'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'ATUL GANPAT BANDGAR
6h ago	system:ingest	sro_office_learned	{'why': 'the co-pilot picks this office for the next challan in that district — a person still sees it before Proceed', 'office': 'DND_DHAUND SUB REGISTRAR', 'district': 'PUNE'}
6h ago	system:extract	challan_verified_against_case	{'grn': 'MH011926529202627E', 'file': 'ATUL GANPAT BANDGAR EchallanMH011926529202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']}
6h ago	system:extract	challan_extracted	{'grn': 'MH011926529202627E', 'file': 'ATUL GANPAT BANDGAR EchallanMH011926529202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 15970}
6h ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-13T11:11:44', 'why': 'mail', 'open': 12, 'mails': [{'at': '2026-10-13 11:03', 'id': '1a134efd6652b1ce', 'asks': ['Provide 0.3 and 0.5 NOI Challan'], 'from': 'branch', 'gist': 'The bank has made
6h ago	ezdocs:reader	mail_against_file490	{'at': '2026-10-13T11:11:44', 'asks': ['Provide 0.3 and 0.5 NOI Challan'], 'gist': 'The branch asks for the challan for loan 77000353239, stating payment has been made and attaching documents.', 'next': 'Check the attach
6h ago	system:extract	address_compared	{'sig': 'f32e60af714af817', 'why': 'new mail', 'people': [{'home': 'GOPALWADI ROAD, SAMATA NAGAR, Daund, Pune, 413801', 'person': 'ATUL GANPAT BANDGAR', 'against': [{'src': 'sanction_letter', 'why': 'every name agrees; t
6h ago	system:ingest	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': 390.4, 'workers': 5}
6h ago	system:extract	property_not_auto_checked	{'why': 'read from the technical report, but English description is not there — a person fills and checks', 'source': 'technical_report', 'missing': ['English description']}
6h ago	system:extract	property_self_check	{'ok': False, 'why': "EzDocs judged every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': "The property is open land, so 'Prime Town' is not applica
6h ago	system:learn	lesson456	{'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '505978', 'lessons': [{'box': 'Taluka', 'words': 'Taluka: the team typed DHAUN
6h ago	copilot:KUNAL	copilot_edit	{'n': 16, 'why': "what the co-pilot typed and what the person saved — the case remembers it, and the team's way is learned", 'bank': 'ICICI_HFC', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours'
7h ago	copilot	copilot_check_issues	{'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': "the base paper prints 'DAU
7h ago	system:copilot	form_checked489	{'ok': False, 'page': 'challan', 'paid': True, 'boxes': 15, 'issues': 2, 'case_no': 'NOI-2026-03465'}
7h ago	ops:copilot	reading_boxes_not_the_papers_words	{'why': 'v441: the reading decides — its boxes stand; the words the base paper does not print are said beside the box', 'file': 'technical atul bandgar case.pdf', 'paper': 'the technical report', 'not_on_paper': ['SURVEY
7h ago	ops:copilot	challan_boxes_not_the_papers_words	{'why': "check — the boxes carry words the base paper does not print (HOTEL, ANAND) — read box 1 once against the paper's own words"}
7h ago	system:extract	challan_boxes_composed	{'fp': '1c75e2a0643ab7ae', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'anew': 'first', 'box1': 'PLOT NO 60 SR NO 27/2 AND 27/1/A
7h ago	ezdocs:reader	reader_mail_addition	{'fp': '726633e31796305e', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True}
7h ago	ezdocs:reader	reader_home_address	{'fp': 'b8db40aea2cfeb9f', 'from': 'the sanction letter (main lan.pdf)', 'home': {'pin': '413801', 'area': 'Samata Nagar', 'road': 'Gopalwadi Road', 'state': 'MAHARASHTRA', 'district': 'PUNE', 'village_city': 'Daund'}, '
7h ago	system:filenote	file_note490	{'v': '1', 'at': '2026-10-13T11:06:31', 'why': 'reading', 'open': 12, 'mails': [{'at': '2026-10-13 11:03', 'id': '1a134efd6652b1ce', 'from': 'branch', 'gist': 'The bank has made the payment and asks for the 0.3 and 0.5 N
7h ago	ezdocs:reader	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': 'BARAMATI'}
7h ago	ezdocs:reader	case_read	{'how': 'uri', 'tag': 'fdda20d9cb04e70b', 'docs': ['Atul Bandgar plot prchase prime town Lsr.pdf', 'technical atul bandgar case.pdf', 'insu atul.pdf', 'main lan.pdf', 'atul kyc.pdf'], 'loan': {'amount': 1994715, 'made_
7h ago	system:ingest	pages_trimmed480	{'of': 15, 'why': "a long paper's pages that carry the facts go to the reader; the rest (photos, annexures) do not", 'file': 'main lan.pdf', 'kept': [1, 2, 3, 4, 10, 11, 12, 13, 14, 15], 'doc_id': '4601e59e-c544-414a-b96
7h ago	system:ingest	pages_trimmed480	{'of': 10, 'why': "a long paper's pages that carry the facts go to the reader; the rest (photos, annexures) do not", 'file': 'insu atul.pdf', 'kept': [1, 2, 3, 4, 5, 7, 8, 9, 10], 'doc_id': 'd18e5373-2574-46b2-97c1-603a1
7h ago	ezdocs:reader	money_settled	{'fp': '2029ff8f02341c3d', 'held': 64715.0, 'asked': True, 'action': 'held', 'agrees': False, 'amount': None, 'papers': [{'lan': '77000353239', 'file': 'insu atul.pdf', 'kind': 'branch_calc', 'dated': '13/10/2026', 'amou

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

Papers

A file cannot be used

Selfie / photo — a usable one is being asked for

Money

₹18,000 received — verified

Seen in the account (credit SMS or a person's Verify).

Challan & filing

Challan paid

The challan is paid; the filing is under way.

Next — whose move

file on the IGR site

Needs your eyes: Selfie / photo: copy on file cannot be used. A usable one is being asked for.

Today · 13 Oct69 things

quoted history checked