⚠The PNB mailbox has used 155% of what Google lets it send in 24 hours (776 of 500 people written to). Put every file of a case in one mail and copy fewer people — or Google stops it.
Cases / NOI-2026-00272
Laxmikant Kisanrao Zipare
LAN NHL/PUN/0826/5203666
Index II shared · done
All documentsMails & papers 7Mail 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).
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 needs3 still to come
4 of 7 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓Selfie / photoopen
✓Aadhaar cardopen
✓PAN cardopen
✓Sale deedopen
Sanction Letter — still needed
Payment Screenshot with UTR — still needed
Property address — being read from the sale deed (DRAFT FINAL UNIT NO. 514.pdf); EzDocs retries within 5 minutes
All files (10)A label is wrong? Fix it under All documents.
For you to check
- The work is done — our fee of ₹30,610 is still not in our account. Chase the branch for it.
MoneyWaiting for the credit
₹30,610
Nothing has reached our account yet. Only a credit our bank shows us counts.
₹0 of ₹30,610 — we only count a credit our bank shows us.
Stamp duty 0.3%13,790
Registration fee 0.5%15,000
Government handling320
Our service fee1,500
Total we ask for30,610
By law ₹30,605. We ask ₹30,610 (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.
Bank's table ₹30,585 — accept as full (₹25 = our margin).
The money may already be here — 2 credit(s) our bank showed us that no case has taken
Credits our bank showed us that no case has taken. Check the amount, the minute and the payer before you press — your name goes on it.
See the full workingevery row, and the property
Time takennot shown to the bank
Challan 50 hour time · 3 Sep 22:08
Index II 335 h 03 minour time · 7 Oct 14:33
the NOI team 39 d 18 htotal 39 d 18 h
Complete.
Day by day — every step and who held it
28 Aug 19:41Your branch's mail
29 Aug 21:57Papers read+1 d 2 h · the NOI team
29 Aug 21:57Fee quotedat once
3 Sep 22:08Challan made+5 d · the NOI team
7 Oct 14:33Index II sent+33 d 16 h · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹45,95,000
Loan account no.
NHL/PUN/0826/5203666
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
Nothing — this case is done
Index II shared with the branch and the case is closed.
Where this case stands — the whole trailread by EzDocs as one conversation
The NOI has been filed and the e-filing copy shared. The team needs to share the government's Index II of the NOI.
the history says the next move is with the NOI team — the government's Index II
the branch last asked: Share NOI Index II
the NOI team last promised: we will process the NOI for the same.
the branch's words say the fee is paid — the credit itself decides; the money page shows what was seen
✓ loan papers sent — done, mail 1 (2026-08-28) “Loan sanction letter
Attached
Index 2/ Draft
Attached
Aadhar copy of the applicant/s
Attached
PAN copy of the applicant/s
Attached
Form A2 with Photogra”
✓ fee asked — done, mail 1 (2026-08-28) “NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount Including Insurance
45,95,000
NOI Govt Fees
Stamp Duty
0.30%
13785.00
Registration Fees
0.”
✓ fee paid — the branch's words — done, mail 1 (2026-08-28) “Payment details screenshot with Transaction ID & Date of payment mentioned
Attached”
✓ challan made — done, mail 3 (2026-08-28) “TEAM PFA CHALLAN FOR A REFERENCE”
✓ challan shared — done, mail 3 (2026-08-28) “TEAM PFA CHALLAN FOR A REFERENCE”
✓ Index II asked for — done, mail 2 (2026-08-28) “For NOI filing, We need an index 2 copy..”
✓ Index II / sale deed sent by the branch — done, mail 4 (2026-09-21) “Share NOI Index II”
⏳ filed on the IGR site — promised, mail 5 (2026-09-21) “we will process the NOI for the same.”
✓ e-filing copy shared — done, mail 6 (2026-09-26) “PFA: Downloaded e-filing for your reference..”
? NOI Index II shared — asked, mail 4 (2026-09-21) “Share NOI Index II”
read over 6 mail(s), last mail 2026-09-26 · read 19d 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 here
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). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.
2File the NOI on the IGR site, then tell the branch
then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.
3Send the downloaded e-filing copy
When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.
DHC PRN — not on the case yet: it is read off the filed e-filing copy, or type it from the DHC receipt
4Bank approval snip (Sammaan & Hinduja only)
These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.
No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.
Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.
Filing record (attempts, GRN, token)
| Attempt | GRN | Token | Status | Submitted |
|---|---|---|---|---|
| no filing yet |
Fix something every change is recorded with your name
Where did
you see the money? One tap is the same record, in your name:
Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.
Advanced — move the case by hand (ask Abhijit first)
Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.
The reply EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.
No draft is waiting on this case. EzDocs 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
SG
shubham.gaikwad@pnbhousing.com pnbhousing.com
28 Aug, 19:41 · 47d ago THE APP JOINED HERE — earlier mails are on Gmail
28 Aug, 19:41 · 47d ago THE APP JOINED HERE — earlier mails are on Gmail
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
📎 PHOTO-2026-08-28-18-58-52.jpg↗📎 5aa18741-5e7c-486c-8d6f-362877d6bb1c.jpg↗📎 IMG_2709.jpg↗📎 co app Aadhaar.pdf↗📎 APP Adhar (1).pdf↗📎 APP PAN CARD.jpeg↗📎 CO APP PAN.pdf↗📎 DRAFT FINAL UNIT NO. 514.pdf↗📎 PHOTO-2026-08-28-19-17-53.jpg↗📎 image001.png↗
Dear Team,
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
NOI Charges & Service Fees Calculator - Nestly.in
Loan amount₹45,95,000
Stamp duty 0.30%₹13,785
Registration fee 0.50%₹15,000
DHC₹300
Documents required for NOI Filing
Remark
Loan sanction letter✓ Attached
Index 2/ Draft✓ Attached
Aadhar copy of the applicant/s✓ Attached
PAN copy of the applicant/s✓ Attached
Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.✓ Attached
Payment details screenshot with Transaction ID & Date of payment mentioned✓ Attached
Challan Date:- 28/08/2026
NOI Govt Fees300
Nestly.in
Service Fees for NOI Filling1500
1500.00
Total Amount to be Paid to Nestly.in for NOI30585.00
THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
Internal
🤖 read: asks for the challan; says the fee is paid ₹30,585 ✓; documents attached — “Kindly provide MOE + NOI Challan”
4 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
28 Aug, 19:57 · 47d ago
28 Aug, 19:57 · 47d ago
Team,We acknowledge the receipt of your mail documents and payment.
We will initiate the challan for the same.
For NOI filing, We need an index 2 copy..
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:
Dear Team,
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Documents required for NOI Filing
Remark
Loan sanction letter
Attached
Index 2/ Draft
Attached
Aadhar copy of the applicant/s
Attached
PAN copy of the applicant/s
Attached
Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached
Payment details screenshot with Transaction ID & Date of payment mentioned
Attached
Challan Date:- 28/08/2026
NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount Including Insurance
45,95,000
NOI Govt Fees
Stamp Duty
0.30%
13785.00
Registration Fees
0.50%
15000.00
Document Handling Charges
300
300
Nestly.in
Service Fees for NOI Filling
1500
1500.00
Total Amount to be Paid to Nestly.in for NOI
30585.00
THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
Internal
🤖 read: challan shared — promised for later; asks the branch for documents — “We will initiate the challan for the same.”
OL
The NOI teamTYPED IN GMAIL
28 Aug, 20:19 · 47d ago
28 Aug, 20:19 · 47d ago
TEAMPFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974
earlier mails quoted below
On Fri, 28 Aug 2026 at 19:57, 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 an index 2 copy.. Regards, NOI Coordinator (PNB) ThinkBigz M:-8097244974 On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:
Dear Team,
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Documents required for NOI Filing
Remark
Loan sanction letter
Attached
Index 2/ Draft
Attached
Aadhar copy of the applicant/s
Attached
PAN copy of the applicant/s
Attached
Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached
Payment details screenshot with Transaction ID & Date of payment mentioned
Attached
Challan Date:- 28/08/2026
NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount Including Insurance
45,95,000
NOI Govt Fees
Stamp Duty
0.30%
13785.00
Registration Fees
0.50%
15000.00
Document Handling Charges
300
300
Nestly.in
Service Fees for NOI Filling
1500
1500.00
Total Amount to be Paid to Nestly.in for NOI
30585.00
THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
Internal
TEAM
PFA CHALLAN FOR A REFERENCE
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Fri, 28 Aug 2026 at 19:57, 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 an index 2 copy..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad <
shubham.gaikwad@pnbhousing.com> wrote:
> Dear Team,
>
> Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT
> ZIPARE _ NHL/PUN/0826/5203666
>
> *Documents required for NOI Filing*
>
> Remark
>
> Loan sanction letter
>
> *Attached*
>
> Index 2/ Draft
>
> *Attached*
>
> Aadhar copy of the applicant/s
>
> *Attached*
>
> PAN copy of the applicant/s
>
> *Attached*
>
> Form A2 with Photograph of applicant/s affixed or Passport size
> photographs scan copy.
>
> *Attached*
>
> Payment details screenshot with Transaction ID & Date of payment mentioned
>
> *Attached*
>
>
>
> *Challan Date:- 28/08/2026*
>
> *NOI Charges & Service Fees Calculator - Nestly.in*
>
>
>
> *Loan Amount Including Insurance*
>
> 45,95,000
>
>
>
>
>
>
>
>
>
> NOI Govt Fees
>
> Stamp Duty
>
> 0.30%
>
> 13785.00
>
>
>
>
>
>
>
> Registration Fees
>
> 0.50%
>
> 15000.00
>
>
>
>
>
>
>
> Document Handling Charges
>
> 300
>
> 300
>
>
>
>
>
>
>
>
>
> Nestly.in
>
> Service Fees for NOI Filling
>
> 1500
>
> 1500.00
>
>
>
>
>
>
>
>
>
> *Total Amount to be Paid to Nestly.in for NOI*
>
> *30585.00*
>
>
>
>
>
> THANKS & REGARDS,
>
> SHUBHAM GAIKWAD
>
> AREA SALES MANAGER
>
> MOB-8237335213
>
>
>
>
>
>
>
> Internal
>
🤖 read: challan shared ✓ — “PFA CHALLAN”
PW
pramod.wakade1@phfl.com phfl.com
21 Sep, 15:54 · 23d ago
21 Sep, 15:54 · 23d ago
Re[2]: Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Dear Team,
Share NOI Index II
Thanks & Regards,
PRAMOD WAKADE
Branch Operation Executive
9527249881
PHFL Home Loans and Services Limited
Shivajinagar Pune 411005
earlier mails quoted below
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/28/26 20:22
To: Shubham Gaikwad (shubham.gaikwad@pnbhousing.com)
Cc: Yogesh Date (yogesh.date@pnbhousing.com), Santosh Gujar (santosh.gujar@pnbhousing.com), Vishal Patil (vishal.patil@pnbhousing.com), Pramod Balakrishna Wakade 1 (pramod.wakade1@phfl.com), Ganesh Manohar Lande (ganesh.lande@phfl.com)
Subject: Re: Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Fri, 28 Aug 2026 at 19:57, 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 an index 2 copy..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:
Dear Team,
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Documents required for NOI Filing
Remark
Loan sanction letter
Attached
Index 2/ Draft
Attached
Aadhar copy of the applicant/s
Attached
PAN copy of the applicant/s
Attached
Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached
Payment details screenshot with Transaction ID & Date of payment mentioned
Attached
Challan Date:- 28/08/2026
NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount Including Insurance
45,95,000
NOI Govt Fees
Stamp Duty
0.30%
13785.00
Registration Fees
0.50%
15000.00
Document Handling Charges
300
300
Nestly.in
Service Fees for NOI Filling
1500
1500.00
Total Amount to be Paid to Nestly.in for NOI
30585.00
THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
Internal
🤖 read: asks for the Index II; documents attached — “Share NOI Index II”
OL
The NOI teamTYPED IN GMAIL
21 Sep, 16:05 · 23d ago
21 Sep, 16:05 · 23d ago
Team
we will process the NOI for the same.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
earlier mails quoted below
On Mon, 21 Sept 2026 at 15:57, Pramod Balakrishna Wakade 1 <
pramod.wakade1@phfl.com> wrote:
Dear Team,
Share NOI Index II
*Thanks & Regards,*
*PRAMOD WAKADE*
*Branch Operation Executive*
*9527249881 <(952)%20724-9881>*
*PHFL Home Loans and Services Limited*
*Shivajinagar Pune 411005*
----- Original Message -----
------------------------------
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/28/26 20:22
To: Shubham Gaikwad (shubham.gaikwad@pnbhousing.com)
Cc: Yogesh Date (yogesh.date@pnbhousing.com), Santosh Gujar (
santosh.gujar@pnbhousing.com), Vishal Patil (vishal.patil@pnbhousing.com),
Pramod Balakrishna Wakade 1 (pramod.wakade1@phfl.com), Ganesh Manohar
Lande (ganesh.lande@phfl.com)
Subject: Re: Kindly provide MOE + NOI Challan in captioned case SONALI
LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974 <(809)%20724-4974>*
On Fri, 28 Aug 2026 at 19:57, 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 an index 2 copy..
>
> *Regards,*
>
> *NOI Coordinator (PNB)*
> *ThinkBigz*
> *M:-8097244974 <(809)%20724-4974>*
>
>
> On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad <
> shubham.gaikwad@pnbhousing.com> wrote:
>
>> Dear Team,
>>
>> Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT
>> ZIPARE _ NHL/PUN/0826/5203666
>>
>> *Documents required for NOI Filing*
>>
>> Remark
>>
>> Loan sanction letter
>>
>> *Attached*
>>
>> Index 2/ Draft
>>
>> *Attached*
>>
>> Aadhar copy of the applicant/s
>>
>> *Attached*
>>
>> PAN copy of the applicant/s
>>
>> *Attached*
>>
>> Form A2 with Photograph of applicant/s affixed or Passport size
>> photographs scan copy.
>>
>> *Attached*
>>
>> Payment details screenshot with Transaction ID & Date of payment
>> mentioned
>>
>> *Attached*
>>
>>
>> *Challan Date:- 28/08/2026*
>>
>> *NOI Charges & Service Fees Calculator - Nestly.in*
>>
>>
>>
>>
>>
>>
>> *Loan Amount Including Insurance*
>>
>> 45,95,000
>>
>>
>>
>>
>>
>>
>>
>>
>>
>> NOI Govt Fees
>>
>> Stamp Duty
>>
>> 0.30%
>>
>> 13785.00
>>
>>
>>
>>
>>
>>
>> Registration Fees
>>
>> 0.50%
>>
>> 15000.00
>>
>>
>>
>>
>>
>>
>> Document Handling Charges
>>
>> 300
>>
>> 300
>>
>>
>>
>>
>>
>>
>>
>>
>> Nestly.in
>>
>> Service Fees for NOI Filling
>>
>> 1500
>>
>> 1500.00
>>
>>
>>
>>
>>
>>
>>
>>
>>
>> *Total Amount to be Paid to Nestly.in for NOI*
>>
>> *30585.00*
>>
>>
>>
>>
>>
>> THANKS & REGARDS,
>>
>> SHUBHAM GAIKWAD
>>
>> AREA SALES MANAGER
>>
>> MOB-8237335213
>>
>>
>>
>>
>>
>>
>> Internal
>>
>
🤖 read: The team says they will process the NOI.
OL
The NOI teamTYPED IN GMAIL
26 Sep, 13:57 · 19d ago
26 Sep, 13:57 · 19d ago
TEAM,
PFA: Downloaded e-filing for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Mon, 21 Sept 2026 at 16:05, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
we will process the NOI for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 21 Sept 2026 at 15:57, Pramod Balakrishna Wakade 1 < pramod.wakade1@phfl.com > wrote:
Dear Team,
Share NOI Index II
Thanks & Regards,
PRAMOD WAKADE
Branch Operation Executive
9527249881
PHFL Home Loans and Services Limited
Shivajinagar Pune 411005
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/28/26 20:22
To: Shubham Gaikwad (shubham.gaikwad@pnbhousing.com)
Cc: Yogesh Date (yogesh.date@pnbhousing.com), Santosh Gujar (santosh.gujar@pnbhousing.com), Vishal Patil (vishal.patil@pnbhousing.com), Pramod Balakrishna Wakade 1 (pramod.wakade1@phfl.com), Ganesh Manohar Lande (ganesh.lande@phfl.com)
Subject: Re: Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 28 Aug 2026 at 19:57, 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 an index 2 copy..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:
Dear Team,
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Documents required for NOI Filing
Remark
Loan sanction letter
Attached
Index 2/ Draft
Attached
Aadhar copy of the applicant/s
Attached
PAN copy of the applicant/s
Attached
Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached
Payment details screenshot with Transaction ID & Date of payment mentioned
Attached
Challan Date:- 28/08/2026
NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount Including Insurance
45,95,000
NOI Govt Fees
Stamp Duty
0.30%
13785.00
Registration Fees
0.50%
15000.00
Document Handling Charges
300
300
Nestly.in
Service Fees for NOI Filling
1500
1500.00
Total Amount to be Paid to Nestly.in for NOI
30585.00
THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
Internal
🤖 read: e-filing copy shared ✓ — “PFA: Downloaded e-filing for your reference..”
OL
The NOI teamTYPED IN GMAIL
07 Oct, 14:04 · 8d ago
07 Oct, 14:04 · 8d ago
Dear Team,
PFA index 2 copy for case closure..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Sat, 26 Sept 2026 at 13:57, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
TEAM,
PFA: Downloaded e-filing for your reference..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 21 Sept 2026 at 16:05, THINKBIGZ NOI < pnb.noifilling@gmail.com > wrote:
Team
we will process the NOI for the same.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Mon, 21 Sept 2026 at 15:57, Pramod Balakrishna Wakade 1 < pramod.wakade1@phfl.com > wrote:
Dear Team,
Share NOI Index II
Thanks & Regards,
PRAMOD WAKADE
Branch Operation Executive
9527249881
PHFL Home Loans and Services Limited
Shivajinagar Pune 411005
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 08/28/26 20:22
To: Shubham Gaikwad (shubham.gaikwad@pnbhousing.com)
Cc: Yogesh Date (yogesh.date@pnbhousing.com), Santosh Gujar (santosh.gujar@pnbhousing.com), Vishal Patil (vishal.patil@pnbhousing.com), Pramod Balakrishna Wakade 1 (pramod.wakade1@phfl.com), Ganesh Manohar Lande (ganesh.lande@phfl.com)
Subject: Re: Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Exercise Secured by Check Point
TEAM
PFA CHALLAN FOR A REFERENCE
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 28 Aug 2026 at 19:57, 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 an index 2 copy..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 28 Aug 2026 at 19:42, Shubham Gaikwad < shubham.gaikwad@pnbhousing.com > wrote:
Dear Team,
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Documents required for NOI Filing
Remark
Loan sanction letter
Attached
Index 2/ Draft
Attached
Aadhar copy of the applicant/s
Attached
PAN copy of the applicant/s
Attached
Form A2 with Photograph of applicant/s affixed or Passport size photographs scan copy.
Attached
Payment details screenshot with Transaction ID & Date of payment mentioned
Attached
Challan Date:- 28/08/2026
NOI Charges & Service Fees Calculator - Nestly.in
Loan Amount Including Insurance
45,95,000
NOI Govt Fees
Stamp Duty
0.30%
13785.00
Registration Fees
0.50%
15000.00
Document Handling Charges
300
300
Nestly.in
Service Fees for NOI Filling
1500
1500.00
Total Amount to be Paid to Nestly.in for NOI
30585.00
THANKS & REGARDS,
SHUBHAM GAIKWAD
AREA SALES MANAGER
MOB-8237335213
Internal
🤖 read: Index II shared ✓ — “PFA index 2 copy for case closure..”
Every file the branch sent, and what EzDocs read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.
| Document | File — click to open | Status | When |
|---|---|---|---|
| Selfie / photo | PHOTO-2026-08-28-18-58-52.jpg | filed | 46d ago |
| Selfie / photo | 5aa18741-5e7c-486c-8d6f-362877d6bb1c.jpg | filed | 46d ago |
| Selfie / photo | IMG_2709.jpg | filed | 46d ago |
| Aadhaar card | co app Aadhaar.pdf | filed | 46d ago |
| Aadhaar card | APP Adhar (1).pdf | filed | 46d ago |
| PAN card | APP PAN CARD.jpeg | filed | 46d ago |
| PAN card | CO APP PAN.pdf | filed | 46d ago |
| Sale deed | DRAFT FINAL UNIT NO. 514.pdf | filed | 46d ago |
| Selfie / photo | PHOTO-2026-08-28-19-17-53.jpg | filed | 46d ago |
| Other | image001.png | filed | 46d 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
₹30,610
₹30,610
Where it stands
waiting for the credit
waiting for the credit
Screenshot claims
—
—
Paid at
—
—
Verified on
not yet
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹13,790 | ₹15,000 | ₹320 | ₹1,500 | ₹30,610 |
By law ₹30,605. We ask ₹30,610 (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.
Property (must be perfect)
No property read yet — it fills itself from the sanction letter, the legal report, the technical report, the mail, or the Index II.Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| co_mortgagor | Sonali Laxmikant Zipare | …1447 | |
| mortgagor | Laxmikant Kisanrao Zipare | AAGPZ8405Q | …5530 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| fee quote | shubham.gaikwad@pnbhousing.com | 46d ago |
| document chase | shubham.gaikwad@pnbhousing.com | 46d ago |
| document chase | shubham.gaikwad@pnbhousing.com | 44d ago |
What EzDocs read from each document — check anything marked in red
Aadhaar card co app Aadhaar.pdf needs your check
dob
1983-07-15
1983-07-15
name
Laxmikant Kisanrao Zipare
Laxmikant Kisanrao Zipare
aadhaar last4
5530
5530
raw reading (for Abhijit)
{'dob': '1983-07-15', 'pan': None, 'name': 'Laxmikant Kisanrao Zipare', 'aadhaar_last4': '5530'}Aadhaar card APP Adhar (1).pdf needs your check
dob
1982-10-30
1982-10-30
name
Sonali Laxmikant Zipare
Sonali Laxmikant Zipare
aadhaar last4
1447
1447
raw reading (for Abhijit)
{'dob': '1982-10-30', 'pan': None, 'name': 'Sonali Laxmikant Zipare', 'aadhaar_last4': '1447'}PAN card CO APP PAN.pdf needs your check
dob
1983-07-15
1983-07-15
pan
AAGPZ8405Q
AAGPZ8405Q
name
ZIPARE LAXMIKANT KISANRAO
ZIPARE LAXMIKANT KISANRAO
raw reading (for Abhijit)
{'dob': '1983-07-15', 'pan': 'AAGPZ8405Q', 'name': 'ZIPARE LAXMIKANT KISANRAO', 'aadhaar_last4': None}Other image001.png needs your check
payments inside
kind: other; payments: []; rows_read: 0
kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Technical record (for Abhijit — safe to ignore)
| 5h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 26 Sep, 13:57 shared the e-filing copy — the draft it answers is taken off", 'count': 1, 'kinds': ['fee_quote']} |
| 8d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'quick sweep', 'docs': ['DRAFT FINAL UNIT NO. 514.pdf', 'co app Aadhaar.pdf', 'APP Adhar (1).pdf', 'APP PAN CARD.jpeg', 'CO APP PAN.pdf'], 'notes': None, 'filled': {'party.email#2': {'src': 'sale |
| 8d ago | EzDocs | pages_trimmed480 | {'of': 40, 'why': "a long paper's pages that carry the facts go to EzDocs; the rest (photos, annexures) do not", 'file': 'DRAFT FINAL UNIT NO. 514.pdf', 'kept': [1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12], 'doc_id': '53 |
| 8d ago | EzDocs | closed_from_desk_words | {'why': "the NOI team's own mail on this thread says the Index II was already shared — an old, finished case; any waiting chase was withdrawn"} |
| 12d ago | EzDocs | cards_read | {'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'APP PAN CARD.jpeg', 'cards': 1, 'doc_id': 'd559f55f-53fb-4582-b40b-06c9f8049508', 'applied': 0} |
| 18d ago | EzDocs | 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", |
| 19d ago | EzDocs | 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', 'fee_asked', 'fee_paid', 'challan', |
| 22d ago | EzDocs | hidden_payment_scan | {'file': 'image001.png', 'kind': 'other', 'found': 0, 'doc_id': '05cf49cb-9525-402d-93c6-78c30b313cf2', 'fetched': True} |
| 23d ago | EzDocs | 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', 'fee_asked', 'fee_paid', 'challan', |
| 23d ago | EzDocs | old_thread_stored_only | {'why': 'this thread began before go-live — its mails are stored for the history; nothing is read or drafted; the team works it by hand', 'cutoff': '2026-09-01', 'thread_started': '2026-08-28 14:11:31'} |
| 29d ago | EzDocs | trail_read | {'why': 'the model read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['documents', 'fee_paid', 'challan', 'challan_ |
| 30d ago | EzDocs | kyc_address_read | {'doc': 'aadhaar', 'pin': '410503', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Pune', 'doc_id': 'ef978e81-6fd0-4e |
| 30d ago | EzDocs | kyc_address_read | {'doc': 'aadhaar', 'pin': '410503', 'why': "the e-filing's Mortgagor page asks for the person's own address, box by box — read off the Aadhaar, so nobody types it from memory", 'city': 'Pune', 'doc_id': '99e22024-2c88-4f |
| 30d ago | EzDocs | title_doc_on_case_filing_open | {'was': 'BANK', 'why': "the regular check — the branch's title document is on the case — the filing is the NOI team's move", 'file': 'DRAFT FINAL UNIT NO. 514.pdf', 'kind': 'sale_deed'} |
| 41d ago | EzDocs | draft_withdrawn | {'why': 'its asks were satisfied meanwhile — nothing pending any more; a fresh mail is written if anything changes', 'count': 2, 'first_lines': [None, 'Dear Team,\n\nWith reference to the captioned case (LAN: NHL/PUN/082 |
| 41d ago | EzDocs | stage_follows_desk_challan_mail | {'now': 'CHALLAN_PAID', 'why': 'we sent the challan on this thread and no branch mail came after it to trigger the usual re-read'} |
| 41d ago | EzDocs | challan_inferred_from_desk_mail | {'why': "we's own sent mail says the challan/e-filing already went — quoting and chasing are over on this thread; the stage follows we's deed"} |
| 43d ago | EzDocs | name_healed | {'why': 'the case had no name; its own documents/mails carried one', 'name': 'Laxmikant Kisanrao Zipare'} |
| 44d ago | EzDocs | email_shadowed:doc_chase | {'to': 'shubham.gaikwad@pnbhousing.com', 'body': "Dear Team,\n\nWith reference to the captioned case (LAN: NHL/PUN/0826/5203666), the following is pending from your end:\n\n 1. Sanction Letter — not received yet\n 2. P |
| 46d ago | EzDocs | email_shadowed:doc_chase | {'to': 'shubham.gaikwad@pnbhousing.com', 'subject': 'Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666', 'body_preview': 'Dear Team,\n\nGreetings from ICICIHFCNOI NOI Desk. |
| 46d ago | EzDocs | email_shadowed:fee_quote | {'to': 'shubham.gaikwad@pnbhousing.com', 'subject': 'Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666', 'body_preview': 'Dear Team,\n\nFee computation for the captioned ca |
| 46d ago | EzDocs | receivable_created | {'expected': 30585.0} |
| 46d ago | EzDocs | document_received | {'file': 'image001.png', 'doc_type': 'other', 'confidence': 0.95} |
| 46d ago | EzDocs | document_received | {'file': 'PHOTO-2026-08-28-19-17-53.jpg', 'doc_type': 'selfie', 'confidence': 0.9} |
| 46d ago | EzDocs | document_received | {'file': 'DRAFT FINAL UNIT NO. 514.pdf', 'doc_type': 'sale_deed', 'confidence': 0.95} |
| 46d ago | EzDocs | document_received | {'file': 'CO APP PAN.pdf', 'doc_type': 'pan', 'confidence': 0.9} |
| 46d ago | EzDocs | document_received | {'file': 'APP PAN CARD.jpeg', 'doc_type': 'pan', 'confidence': 0.9} |
| 46d ago | EzDocs | co_applicant_added | {'doc': 'aadhaar', 'name': 'Sonali Laxmikant Zipare'} |
| 46d ago | EzDocs | document_received | {'file': 'APP Adhar (1).pdf', 'doc_type': 'aadhaar', 'confidence': 0.9} |
| 46d ago | EzDocs | document_received | {'file': 'co app Aadhaar.pdf', 'doc_type': 'aadhaar', 'confidence': 0.9} |
Case diary the case’s history — what happened, newest day first
Papers
2 still needed for the challan
Sanction Letter, Payment Screenshot with UTR
Money
₹30,610 to come
No screenshot and no credit yet.
Challan & filing
Done — Index II shared
The case is closed.
Next — whose move
No one
done
For you to check: The work is done — our fee of ₹30,610 is still not in our account. Chase the branch for it.
Today · 15 Oct1 thing
An old draft withdrew itself — its asks were already answered
7 Oct1 thing — 1 step
Closed from the NOI team's own words — the Index II was already shared with the branch
Nothing more to do on this case.
27 Sep1 thing — 1 step
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
26 Sep1 thing — 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
21 Sep2 things — 2 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
15 Sep1 thing — 1 step
EzDocs read the whole trail as one conversation — where the case stands is on the page
14 Sep1 thing — 1 step
The branch's title document is on the case — the filing is the NOI team's move
3 Sep2 things — 2 steps
An old draft withdrew itself — its asks were already answered
Moved to 'challan paid' on the NOI team's own mail
The NOI team's own mail said the challan went — the case followed.
1 Sep2 things — 1 letter written · 1 step
The case's name was filled from its own papers
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-00272 — pending documents
29 Aug15 things — 10 documents received · 3 letters written · 2 steps
Wrote the document chase mail — held, silent mode
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Wrote the fee quote mail — held, silent mode
Kindly provide MOE + NOI Challan in captioned case SONALI LAXMIKANT ZIPARE _ NHL/PUN/0826/5203666
Received: other
image001.png
Received: Selfie
PHOTO-2026-08-28-19-17-53.jpg
Received: Sale deed
DRAFT FINAL UNIT NO. 514.pdf
Received: PAN card
CO APP PAN.pdf
Received: PAN card
APP PAN CARD.jpeg
Co-applicant added
Received: Aadhaar
APP Adhar (1).pdf
Received: Aadhaar
co app Aadhaar.pdf
Received: Selfie
IMG_2709.jpg
Received: Selfie
5aa18741-5e7c-486c-8d6f-362877d6bb1c.jpg
Received: Selfie
PHOTO-2026-08-28-18-58-52.jpg
EzDocs took 1 step of its own this day (reading, checking, tidying) — the technical record is under Details & records
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.
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