Cases / NOI-2026-03626
Vishal Sanjay Khairnar
LAN NHL/NSK/0926/5223247
Challan paid · waiting on the branch
Waiting for the Index IIAll documentsMails & papers 5Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs2 still to come
7 of 9 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓A mail's picture (a signature logo, a banner) — not a paperopen
✓PAN cardopen
✓Sanction letteropen
✓Paid challan (GRAS)open
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Index II copy / Title document — for the e-filing visit later
All files (5)A label is wrong? Fix it under All documents.
MoneyAll of it is in
₹13,840.69CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹13,800 receivedthe receipt's amount and minute agree
Stamp duty 0.3%4,510
Registration fee 0.5%7,510
Government handling320
Our service fee1,500.69
Total we ask for13,840.69
the branch’s receipt claims ₹13,800 836336664401
paid 16 Oct 12:25:58 · verified 16 Oct 12:45:45 · 19 min later
How we know
Our own bank told us — 16 Oct 12:25
₹13,800 · UTR 836336664401 · from BP-HDFCBN-S
“Successful! You have received Rs. 13800.00 via HDFC Bank SmartHub Vyapar from VISHAL SAN. RRN-836336664401, Check: https://1.hdfc.bank.in/HDFCBK/s/yovep72X”
Matched by: the screenshot's amount AND its minute agree with this credit
Paid the bank's own ₹13,800. ₹40.69 under our ask = our margin. Accepted as full.
By law ₹13,820. We ask ₹13,840 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Bank's table ₹13,800 — accept as full (₹40.69 = our margin).
See the full workingevery row, and the property
Time takennot shown to the bank
Challan under a minuteour time (made after working hours) · 16 Oct 12:42
Index II —not yet
the NOI team 1 d 9 hthe branch 50 mintotal 1 d 9 h so far
Now with the NOI team — e-filing on IGR
since 16 Oct 13:41 — 1 d 8 h of working time
Day by day — every step and who held it
16 Oct 12:42Your branch's mail
16 Oct 12:42Payment landedat once
16 Oct 12:42Challan madeat once
16 Oct 12:45Fee quoted+3 min · the NOI team
16 Oct 12:45Papers readat once
16 Oct 12:45Payment verifiedat once
16 Oct 13:36Papers from your branch+50 min · the branch
16 Oct 13:41Papers read+6 min · the NOI team
16 Oct 13:41Property readat once
16 Oct 13:41Ready for the challanat once
Case facts
Bank
PNB_HFL
Loan amount
₹15,00,000
Loan account no.
NHL/NSK/0926/5223247
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
Taluka, Area are empty — the portal will not take a blank.
✗ EzDocs found boxes that do NOT agree with the document (1d ago) — open the verification page; they are marked in red.
See the boxes — read from the sanction letter
District
Nashik
Taluka
(empty)
Village
Nashik
Number type
SURVEY
Number
363/1/364/1
Building
Shree Gajanan Business Square Apartment
Floor
2nd Floor
Flat / shop no
A-201
Area
(empty)
Hadd
(empty)
Read from the sanction letter, not the Index II. Vishal KHIA.pdf open it · If an Index II is on file, read the property from it.
To look first, or to fix a box, open the verification page — the document beside every box.
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. EzDocs 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, EzDocs sees:
• DO NOT SAVE — Missing sanction letter on file: branch's request mail says Sanction Letter attached. The branch's mail states the sanction letter is attached, but only KYC documents and a payment screenshot are provided in the attached files. We need the sanction letter to verify the loan terms, interest rate, and proper security details. Ask the branch to provide the complete sanction letter before proceeding.
• Mortgagor pages: KIRTI VISHAL KHAIRNAR is named on the sanction letter (Vishal KHIA.pdf) but the case holds no card of theirs — a page is typed for them from the letter; their PAN and birth date come off their own PAN card
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• KIRTI VISHAL KHAIRNAR: PAN missing — no PAN card of KIRTI VISHAL KHAIRNAR is read on the file — the PAN cards on it (Vishal Sanjay Khairnar, DocScanner 16 Oct 2026 12-27 pm.pdf) are beside the form; type the PAN off the person's own card
• KIRTI VISHAL KHAIRNAR: birth date missing — no PAN card of KIRTI VISHAL KHAIRNAR is read on the file — the PAN cards on it (Vishal Sanjay Khairnar, DocScanner 16 Oct 2026 12-27 pm.pdf) are beside the form; type the birth date off the person's own card
• changed — House Type: the case held nothing; filled Shop/Office above Ground Floor — an office on floor 2 is the portal's Shop/Office above Ground Floor
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
CHECKMissing sanction letter on file
| Branch's request mail | Sanction Letter attached |
Why it matters: Not a question for the bank: one paper only — nothing to set against it.
What to do: Nothing to ask the bank — look once if you like.
Compared: the sanction letter; and EzDocs (reading the whole file). Nothing here is typed or changed by itself.
Where this case stands — the whole trailEzDocs has not read this trail yet — the regular check reads every case whose mails grew, a few at a time
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). 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.
✗ EzDocs found boxes that do NOT agree with the document (1d 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 | MH012176766202627E | — | pending |
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 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 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
AK
abhijeet.kale@phfl.com phfl.com
16 Oct, 12:42 · 1d ago THE FIRST MAIL — how this case began
16 Oct, 12:42 · 1d ago THE FIRST MAIL — how this case began
Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
Dear Team,
Kindly process 0.3 & 0.5 Challan in below case
Customer nameVISHAL SANJAY KHAIRNAR
Loan account (LAN)NHL/NSK/0926/5223247
Loan amount₹15,00,000
Stamp duty 0.30%₹4,500
Registration fee 0.50%₹7,500
DHC₹300
Service / vendor fees₹1,500
Total₹13,800
- ✓ Sanction Letter — attached
- ✓ Customer Aadhar Card / co applicant — attached
- ✓ Customer pan Card / co applicant — attached
- ✓ Form A2 or Soft copy of photograph — attached
- ✓ Payment details — attached
*Index II CopyOTC.
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
🤖 read: asks for the challan, a payment receipt; documents attached; note: The branch has attached a Sanction Letter, Customer Aadhar Card / co applicant, Customer pan Card / co applicant, Index II Copy OTC, Form A2 — “Loan Amount 1500000”
2 more mails in between — open
OL
The NOI teamTYPED IN GMAIL
16 Oct, 12:56 · 1d ago
16 Oct, 12:56 · 1d ago
Dear team,
Kindly share sanction letter for challan process.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Fri, 16 Oct 2026 at 12:45, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name VISHAL SANJAY KHAIRNAR
Lan No NHL/NSK/0926/5223247
Loan Amount 1500000
LOAN AMOUNT 1500000
0.30% 4500
0.50% 7500
FEES 1500
DHC 300
TOTAL 13,800
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
🤖 read: asks the branch for documents — “Kindly share sanction letter for challan process.”
PA
piyush.aher@phfl.com phfl.com
16 Oct, 13:36 · 1d ago
16 Oct, 13:36 · 1d ago
Re[2]: Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
Dear Team,
PFA SANCTION LETTER.
Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
earlier mails quoted below
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 16-10-2026 12:57 pm
To: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Cc: nasik.branch (nasik.branch@pnbhousing.com), Prashant Padhye (prashant.padhye@pnbhousing.com)
Subject: Re: Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
Exercise Secured by Check Point
Dear team,
Kindly share sanction letter for challan process.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
On Fri, 16 Oct 2026 at 12:45, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name VISHAL SANJAY KHAIRNAR
Lan No NHL/NSK/0926/5223247
Loan Amount 1500000
LOAN AMOUNT 1500000
0.30% 4500
0.50% 7500
FEES 1500
DHC 300
TOTAL 13,800
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
🤖 read: documents attached
OL
The NOI teamTYPED IN GMAIL
16 Oct, 13:46 · 1d ago
16 Oct, 13:46 · 1d 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, 16 Oct 2026 at 13:41, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team,
PFA SANCTION LETTER.
Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 16-10-2026 12:57 pm
To: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Cc: nasik.branch (nasik.branch@pnbhousing.com), Prashant Padhye (prashant.padhye@pnbhousing.com)
Subject: Re: Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
Exercise Secured by Check Point
Dear team,
Kindly share sanction letter for challan process.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 16 Oct 2026 at 12:45, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name VISHAL SANJAY KHAIRNAR
Lan No NHL/NSK/0926/5223247
Loan Amount 1500000
LOAN AMOUNT 1500000
0.30% 4500
0.50% 7500
FEES 1500
DHC 300
TOTAL 13,800
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
🤖 read: asks the branch for documents, the payment — “For NOI filing, We need an index 2 copy.”
OL
The NOI teamTYPED IN GMAIL
16 Oct, 13:54 · 1d ago
16 Oct, 13:54 · 1d ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Fri, 16 Oct 2026 at 13:46, 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, 16 Oct 2026 at 13:41, Piyush Santosh Aher < piyush.aher@phfl.com > wrote:
Dear Team,
PFA SANCTION LETTER.
Thanks & Regards,
Piyush S Aher
Branch Operation Executive
Nashik Branch
Direct: +91-253-2311672
Toll Free: 1800 120 8800
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
From: THINKBIGZ NOI (pnb.noifilling@gmail.com)
Date: 16-10-2026 12:57 pm
To: Abhijeet Anil Kale (abhijeet.kale@phfl.com)
Cc: nasik.branch (nasik.branch@pnbhousing.com), Prashant Padhye (prashant.padhye@pnbhousing.com)
Subject: Re: Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
Exercise Secured by Check Point
Dear team,
Kindly share sanction letter for challan process.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Fri, 16 Oct 2026 at 12:45, Abhijeet Anil Kale < abhijeet.kale@phfl.com > wrote:
Dear Team, Kindly process 0.3 & 0.5 Challan in below case
Customer Name VISHAL SANJAY KHAIRNAR
Lan No NHL/NSK/0926/5223247
Loan Amount 1500000
LOAN AMOUNT 1500000
0.30% 4500
0.50% 7500
FEES 1500
DHC 300
TOTAL 13,800
*Sanction Letter attached
*Customer Aadhar Card / co applicant attached
*Customer pan Card / co applicant attached
*Index II Copy OTC.
*Form A2 or Soft copy of photograph attached
*Payment details attached
SRO No
Thanks & Regards,
Abhijeet Anil Kale
Branch Operation Executive
Nashik Branch
Mobile - 7798119942
🤖 read: challan shared ✓ — “PFA challan for your reference.”
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 |
|---|---|---|---|
| A mail's picture (a signature logo, a banner) — not a paper | image001.jpg | filed | 1d ago |
| PAN card+ Aadhaar card inside+ Selfie / photo inside+ Payment screenshot inside | DocScanner 16 Oct 2026 12-27 pm.pdf | filed | 1d ago |
| Other | image002.jpg | filed | 1d ago |
| Sanction letter | Vishal KHIA.pdf | filed | 1d ago |
| Paid challan (GRAS) | VISHAL SANJAY KHAIRNAR EchallanMH012176766202627E.pdf | filed | 1d 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
₹13,840.69
₹13,840.69
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹13,800 836336664401
₹13,800 836336664401
Paid at
16 Oct 12:25:58
16 Oct 12:25:58
Verified on
16 Oct 12:45:45
16 Oct 12:45:45
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹4,510 | ₹7,510 | ₹320 | ₹1,500 | ₹13,840 |
By law ₹13,820. We ask ₹13,840 (rounded up to ₹10 — our rule).
why?
The NOI team's calculator rounds every percentage row UP to the next ₹10 with a ₹5 buffer, so a challan can never be a rupee short at the SRO counter. The exact figures stay recorded for the cross-check.
Property (must be perfect)
23 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Taluka, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Property type (Open / Building / Open + Building), Area …
12 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, worked out, or EzDocs was not sure: District, Village, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number, Second number, Building (with wing), Floor …
✗ EzDocs found boxes that do NOT agree with the document (1d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the main paper first
the sanction letter BASE — the challan follows this
Vishal KHIA.pdf
as printed
OFFICE NO A-201, 2ND FLOOR, A WING, SHREE GAJANAN BUSINESS SQUARE APARTMENT, S NO 363/1/364/1, PLOT NO 22, ADGOAN, NEAR SHIV KRUPA SWEET, NASHIK, NANDUR LINK ROAD, NASHIK, MAHARASHTRA, INDIA, 422003
OFFICE NO A-201, 2ND FLOOR, A WING, SHREE GAJANAN BUSINESS SQUARE APARTMENT, S NO 363/1/364/1, PLOT NO 22, ADGOAN, NEAR SHIV KRUPA SWEET, NASHIK, NANDUR LINK ROAD, NASHIK, MAHARASHTRA, INDIA, 422003
PIN
422003
422003
THE CHALLAN, as it will be typed
Flat/Survey Number
OFFICE NO A-201 2ND FLOOR A WING SHREE GAJANAN BUSINESS SQUARE APARTMENT S NO 363/1/364/1 PLOT NO 22
OFFICE NO A-201 2ND FLOOR A WING SHREE GAJANAN BUSINESS SQUARE APARTMENT S NO 363/1/364/1 PLOT NO 22
Locality/Road
ADGOAN NEAR SHIV KRUPA SWEET NASHIK NANDUR LINK ROAD MAHARASHTRA
ADGOAN NEAR SHIV KRUPA SWEET NASHIK NANDUR LINK ROAD MAHARASHTRA
Area/City
NASHIK
check or correct a box, the papers beside it →NASHIK
Every paper prints the same words as the main paper.
Marked: what a paper prints that the main paper does not — a number or a word. The challan follows the main paper as printed; a difference on another paper is for a person to weigh, and the branch is asked when the papers do not agree on the property.
Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| mortgagor | VISHAL SANJAY KHAIRNAR | DQBPK2423R | …4767 |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| document chase | abhijeet.kale@phfl.com | 1d ago |
| acknowledgement | piyush.aher@phfl.com | 1d ago |
What EzDocs read from each document — check anything marked in red
PAN card DocScanner 16 Oct 2026 12-27 pm.pdf needs your check
dob
1994-06-08
1994-06-08
pan
DQBPK2423R
DQBPK2423R
name
VISHAL SANJAY KHAIRNAR
VISHAL SANJAY KHAIRNAR
address
pin: 422003; area: VRUNDAVAN NAGAR, ADGAON SHIWAR; flat: PLOT NO. 19; state: MAHARASHTRA; building: VEDDHARA, BACK OF TULJABHAVANI MANDIR; district: NASHIK; post_office: MAKHMALABAD; Village: NASHIK
pin: 422003; area: VRUNDAVAN NAGAR, ADGAON SHIWAR; flat: PLOT NO. 19; state: MAHARASHTRA; building: VEDDHARA, BACK OF TULJABHAVANI MANDIR; district: NASHIK; post_office: MAKHMALABAD; Village: NASHIK
legible
True
True
father name
SANJAY KEDA KHAIRNAR
SANJAY KEDA KHAIRNAR
aadhaar last4
4767
4767
raw reading (for Abhijit)
{'dob': '1994-06-08', 'pan': 'DQBPK2423R', 'name': 'VISHAL SANJAY KHAIRNAR', 'mobile': None, 'address': {'pin': '422003', 'area': 'VRUNDAVAN NAGAR, ADGAON SHIWAR', 'flat': 'PLOT NO. 19', 'road': None, 'floor': None, 'state': 'MAHARASHTRA', 'building': 'VEDDHARA, BACK OF TULJABHAVANI MANDIR', 'district': 'NASHIK', 'post_office': 'MAKHMALABAD', 'village_city': 'NASHIK'}, 'legible': True, 'father_name': 'SANJAY KEDA KHAIRNAR', 'aadhaar_last4': '4767', 'quality_issue': None}PAN card DocScanner 16 Oct 2026 12-27 pm.pdf needs your check
dob
1994-06-08
1994-06-08
pan
DQBPK2423R
DQBPK2423R
name
Vishal Sanjay Khairnar
Vishal Sanjay Khairnar
address
pin: 422003; area: VRUNDAVAN NAGAR, ADGAON SHIWAR; flat: SURVEY NO.328/41 PLOT NO. 19; state: Maharashtra; building: VEDDHARA, BACK OF TULJABHAVANI MANDIR; district: Nashik; post_office: Makhmalabad; Village: Nashik
pin: 422003; area: VRUNDAVAN NAGAR, ADGAON SHIWAR; flat: SURVEY NO.328/41 PLOT NO. 19; state: Maharashtra; building: VEDDHARA, BACK OF TULJABHAVANI MANDIR; district: Nashik; post_office: Makhmalabad; Village: Nashik
legible
True
True
aadhaar last4
4767
4767
raw reading (for Abhijit)
{'dob': '1994-06-08', 'pan': 'DQBPK2423R', 'name': 'Vishal Sanjay Khairnar', 'mobile': None, 'address': {'pin': '422003', 'area': 'VRUNDAVAN NAGAR, ADGAON SHIWAR', 'flat': 'SURVEY NO.328/41 PLOT NO. 19', 'road': None, 'floor': None, 'state': 'Maharashtra', 'building': 'VEDDHARA, BACK OF TULJABHAVANI MANDIR', 'district': 'Nashik', 'post_office': 'Makhmalabad', 'village_city': 'Nashik'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '4767', 'quality_issue': None}PAN card DocScanner 16 Oct 2026 12-27 pm.pdf needs your check
payments inside
payments: [{'utr': '836336664401', 'date': '2026-10-16', 'page': 5, 'time': '12:25', 'payee': 'THINK BIGZ INITIATIVE P...', 'amount': 13800.0, 'direction': 'debit', 'narration': 'Government Charges Loan For PNB Bank Fina
payments: [{'utr': '836336664401', 'date': '2026-10-16', 'page': 5, 'time': '12:25', 'payee': 'THINK BIGZ INITIATIVE P...', 'amount': 13800.0, 'direction': 'debit', 'narration': 'Government Charges Loan For PNB Bank Fina
raw reading (for Abhijit)
{'payments_inside': {'payments': [{'utr': '836336664401', 'date': '2026-10-16', 'page': 5, 'time': '12:25', 'payee': 'THINK BIGZ INITIATIVE P...', 'amount': 13800.0, 'direction': 'debit', 'narration': 'Government Charges Loan For PNB Bank Finance', 'proof_kind': 'success_screen'}]}}Other image002.jpg needs your check
payments inside
payments: []
payments: []
raw reading (for Abhijit)
{'payments_inside': {'payments': []}}Sanction letter Vishal KHIA.pdf needs your check
lan
NHL/NSK/0926/5223247
NHL/NSK/0926/5223247
legible
True
True
purpose
Non Housing Loan, Personal use
Non Housing Loan, Personal use
confidence
1
1
rate words
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement
PNBRRR * 13.15% per annum Applicable Rate of Interest * 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement
loan amount
1450000
1450000
rate spread
-3.65
-3.65
final amount
1500000
1500000
interest rate
9.5
9.5
sanction date
18-Sep-2026
18-Sep-2026
letter version
4
4
reference rate
13.15
13.15
applicant email
khairnarvishal421@gmail.com
khairnarvishal421@gmail.com
applicant names
VISHAL SANJAY KHAIRNAR, KIRTI VISHAL KHAIRNAR
VISHAL SANJAY KHAIRNAR, KIRTI VISHAL KHAIRNAR
printed altered
False
False
applicant mobile
7350334606
7350334606
balance transfer
False
False
property address
pin: 422003; road: Nandur Link Road; state: MAHARASHTRA; Flat no: A-201; district: Nashik; Floor: 2nd Floor; landmark: Near Shiv Krupa Sweet; Address: Office No A-201, 2nd Floor, A Wing, Shree Gajanan Business Sq
pin: 422003; road: Nandur Link Road; state: MAHARASHTRA; Flat no: A-201; district: Nashik; Floor: 2nd Floor; landmark: Near Shiv Krupa Sweet; Address: Office No A-201, 2nd Floor, A Wing, Shree Gajanan Business Sq
insurance premium
50000
50000
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
1500000
1500000
security address verbatim
Office No A-201, 2nd Floor, A Wing, Shree Gajanan Business Square Apartment, S No 363/1/364/1, Plot No 22, Adgoan, Near Shiv Krupa Sweet, Nashik, Nandur Link Road, Nashik, MAHARASHTRA, India, 422003
Office No A-201, 2nd Floor, A Wing, Shree Gajanan Business Square Apartment, S No 363/1/364/1, Plot No 22, Adgoan, Near Shiv Krupa Sweet, Nashik, Nandur Link Road, Nashik, MAHARASHTRA, India, 422003
applicant address verbatim
SURVEY NO - 328/41 PLTO NO -19, VEDDHARA BUNGALOW BACK OF, TULJABHAVANI MANDIR VRUNDAVAN NAGAR, OPP SHIV KRUPA SWEETS ADGAON, Nashik, MAHARASHTRA, 422003, India
SURVEY NO - 328/41 PLTO NO -19, VEDDHARA BUNGALOW BACK OF, TULJABHAVANI MANDIR VRUNDAVAN NAGAR, OPP SHIV KRUPA SWEETS ADGAON, Nashik, MAHARASHTRA, 422003, India
raw reading (for Abhijit)
{'lan': 'NHL/NSK/0926/5223247', 'legible': True, 'purpose': 'Non Housing Loan, Personal use', 'borrowers': [], 'loan_type': None, 'confidence': 1, 'rate_words': 'PNBRRR * 13.15% per annum\nApplicable Rate of Interest * 13.15% -3.65% = 9.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1450000, 'rate_spread': -3.65, 'final_amount': 1500000, 'interest_rate': 9.5, 'quality_issue': None, 'sanction_date': '18-Sep-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'khairnarvishal421@gmail.com', 'applicant_names': ['VISHAL SANJAY KHAIRNAR', 'KIRTI VISHAL KHAIRNAR'], 'printed_altered': False, 'applicant_mobile': '7350334606', 'balance_transfer': False, 'property_address': {'pin': '422003', 'road': 'Nandur Link Road', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': 'A-201', 'district': 'Nashik', 'floor_no': '2nd Floor', 'landmark': 'Near Shiv Krupa Sweet', 'full_address': 'Office No A-201, 2nd Floor, A Wing, Shree Gajanan Business Square Apartment, S No 363/1/364/1, Plot No 22, Adgoan, Near Shiv Krupa Sweet, Nashik, Nandur Link Road, Nashik, MAHARASHTRA, India, 422003', 'village_city': 'Nashik', 'building_name': 'Shree Gajanan Business Square Apartment', 'survey_or_cts_no': 'S No 363/1/364/1, Plot No 22'}, 'insurance_premium': 50000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1500000, 'security_address_verbatim': 'Office No A-201, 2nd Floor, A Wing, Shree Gajanan Business Square Apartment, S No 363/1/364/1, Plot No 22, Adgoan, Near Shiv Krupa Sweet, Nashik, Nandur Link Road, Nashik, MAHARASHTRA, India, 422003', 'applicant_address_verbatim': 'SURVEY NO - 328/41 PLTO NO -19, VEDDHARA BUNGALOW BACK OF, TULJABHAVANI MANDIR VRUNDAVAN NAGAR, OPP SHIV KRUPA SWEETS ADGAON, Nashik, MAHARASHTRA, 422003, India'}Paid challan (GRAS) VISHAL SANJAY KHAIRNAR EchallanMH012176766202627E.pdf needs your check
grn
MH012176766202627E
MH012176766202627E
pin
422003
422003
total
12020
12020
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026101600806
03006172026101600806
district
NASHIK
NASHIK
area city
NASHIK
NASHIK
payer pan
DQBXXXXXXR
DQBXXXXXXR
flat block
OFFICE NO A-201 2ND FLOOR A WING SHREE GAJANAN BUSINESS SQUARE APARTMENT S NO 363/1/364/1 PLOT NO 22
OFFICE NO A-201 2ND FLOOR A WING SHREE GAJANAN BUSINESS SQUARE APARTMENT S NO 363/1/364/1 PLOT NO 22
payer name
VISHAL SANJAY KHAIRNAR
VISHAL SANJAY KHAIRNAR
sro office
NASHIK 5 JOINT SUB REGISTRAR
NASHIK 5 JOINT SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1500000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1500000
scheme rows
{'amount': 4510, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7510, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 4510, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7510, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX4606
XXXXXX4606
payment date
16/10/2026
16/10/2026
road locality
ADGOAN NEAR SHIV KRUPA SWEET NASHIK NANDUR LINK ROAD NASHIK MAHARASHTRA
ADGOAN NEAR SHIV KRUPA SWEET NASHIK NANDUR LINK ROAD NASHIK MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
1500000
1500000
raw reading (for Abhijit)
{'grn': 'MH012176766202627E', 'pin': '422003', 'total': 12020, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026101600806', 'district': 'NASHIK', 'area_city': 'NASHIK', 'payer_pan': 'DQBXXXXXXR', 'flat_block': 'OFFICE NO A-201 2ND FLOOR A WING SHREE GAJANAN BUSINESS SQUARE APARTMENT S NO 363/1/364/1 PLOT NO 22', 'payer_name': 'VISHAL SANJAY KHAIRNAR', 'sro_office': 'NASHIK 5 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1500000', 'scheme_rows': [{'amount': 4510, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 7510, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX4606', 'payment_date': '16/10/2026', 'road_locality': 'ADGOAN NEAR SHIV KRUPA SWEET NASHIK NANDUR LINK ROAD NASHIK MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1500000'}Technical record (for Abhijit — safe to ignore)
| 1d ago | EzDocs | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [], 'challan_doc': 'b0d731ea-b065-48fd-bcd6-8c0e33495043'} |
| 1d ago | EzDocs | 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 |
| 1d ago | EzDocs | 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': 'VISHAL SANJAY KHAIRNAR EchallanMH012176766202627E.pdf', 'kind |
| 1d ago | EzDocs | 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': 'VISHAL SANJAY KHAIR |
| 1d ago | EzDocs | challan_verified_against_case | {'grn': 'MH012176766202627E', 'file': 'VISHAL SANJAY KHAIRNAR EchallanMH012176766202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 1d ago | EzDocs | challan_extracted | {'grn': 'MH012176766202627E', 'file': 'VISHAL SANJAY KHAIRNAR EchallanMH012176766202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 12020} |
| 1d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Village', 'why': ' |
| 1d ago | EzDocs | lesson456 | {'why': "why did the team change these boxes — where is each of the team's values printed?", 'form': 'challan', 'page': 'challan', 'edit_id': '538596', 'lessons': [{'box': 'Property box 2', 'words': "Property box 2: the |
| 1d ago | SANDEEP | 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': 'PNB_HFL', 'form': 'challan', 'page': 'challan', 'boxes': [{'box': 'District', 'ours': |
| 1d ago | copilot | copilot_check_ok | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed values for Property box 1, Property box 2, City, and PIN match the main paper (S |
| 1d ago | EzDocs | form_checked489 | {'ok': True, 'page': 'challan', 'paid': False, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03626'} |
| 1d ago | the co-pilot | whole_file_hold | {'why': 'EzDocs read the whole file and found two papers that disagree on something the challan would carry', 'stops': ['Missing sanction letter on file']} |
| 1d ago | EzDocs | challan_boxes_by_rules | {'fp': '5222eb1a5c795b3c', 'why': 'EzDocs wrote more than the boxes hold, twice (box 1 had 105 characters (it holds 100))', 'anew': 'first'} |
| 1d ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 16 Oct, 13:46 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack']} |
| 1d ago | copilot | copilot_check_ok | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': "The typed values for Property box 1, Property box 2, City, and PIN match the main paper (S |
| 1d ago | EzDocs | form_checked489 | {'ok': True, 'page': 'challan', 'paid': True, 'boxes': 16, 'issues': 0, 'case_no': 'NOI-2026-03626'} |
| 1d ago | the co-pilot | whole_file_hold | {'why': 'EzDocs read the whole file and found two papers that disagree on something the challan would carry', 'stops': ['Missing sanction letter on file']} |
| 1d ago | EzDocs | challan_boxes_by_rules | {'fp': '5222eb1a5c795b3c', 'why': 'EzDocs wrote more than the boxes hold, twice (box 1 had 105 characters (it holds 100))', 'anew': 'first'} |
| 1d ago | EzDocs | reader_home_address | {'fp': 'f84921b5302779e9', 'from': 'the sanction letter (Vishal KHIA.pdf)', 'home': {'pin': '422003', 'area': 'BACK OF, TULJABHAVANI MANDIR VRUNDAVAN NAGAR, OPP SHIV KRUPA SWEETS ADGAON', 'flat': 'PLTO NO -19', 'state': |
| 1d ago | EzDocs | reader_mail_addition | {'fp': '2a2c28d327ab218f', 'add': {}, 'why': '', 'asked': True, 'quote': '', 'same_property': True} |
| 1d ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-16T08:11:58', 'why': 'mail', 'open': 7, 'mails': [{'at': '2026-10-16 07:12', 'id': '1a1439078ee4af7f', 'from': 'branch', 'gist': 'The branch asks the team to process a challan for a loan.', 'sub |
| 1d ago | EzDocs | mail_against_file490 | {'at': '2026-10-16T08:11:58', 'asks': [], 'gist': 'The branch has sent the sanction letter.', 'next': "Read the sanction letter to update the file's information.", 'brought': [{'how': 'paper', 'need': '', 'what': 'Sancti |
| 1d ago | EzDocs | file_note490 | {'v': '1', 'at': '2026-10-16T08:11:53', 'why': 'paper', 'open': 7, 'mails': [{'at': '2026-10-16 07:12', 'id': '1a1439078ee4af7f', 'from': 'branch', 'gist': 'The branch asks the team to process a challan for a loan.', 'su |
| 1d ago | EzDocs | money_settled | {'fp': '16b46cae6e66ba50', 'held': 1500000.0, 'asked': True, 'action': 'agrees', 'agrees': True, 'amount': 1500000.0, 'papers': [{'lan': 'NHL/NSK/0926/5223247', 'file': 'Vishal KHIA.pdf', 'kind': 'sanction_letter', 'date |
| 1d ago | EzDocs | paper_against_file490 | {'at': '2026-10-16T08:11:53', 'why': 'The sanction letter provides the loan details, property address, and contact information for the customer.', 'file': 'Vishal KHIA.pdf', 'kinds': ['sanction_letter', 'sanction_letter' |
| 1d ago | EzDocs | challan_queue_entered | {'why': 'challan-visit documents complete and payment verified'} |
| 1d ago | EzDocs | case_acknowledged_challan_queued | {'utr': '836336664401', 'fee_total': 13840} |
| 1d ago | EzDocs | email_shadowed:ack | {'to': 'piyush.aher@phfl.com', 'body': 'Team,\n\nWe acknowledge the receipt of your mail, documents and payment. We will initiate the challan for the same. For NOI filing, we need the Index 2 copy.\n\nRegards,\nNOI Coord |
| 1d ago | EzDocs | address_compared | {'sig': '9aaa6038abd53839', 'why': 'new mail', 'people': [{'home': 'PLOT NO. 19, VEDDHARA, BACK OF TULJABHAVANI MANDIR, VRUNDAVAN NAGAR, ADGAON SHIWAR, NASHIK, NASHIK, 422003', 'person': 'VISHAL SANJAY KHAIRNAR', 'agains |
| 1d ago | EzDocs | 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': 3, 'seconds': 7.6, 'workers': 3} |
Case diary the case’s history — what happened, newest day first
Papers
Challan papers in; e-filing papers pending
For the visit later: Index II copy / Title document
Money
₹13,800 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
Us
file on the IGR site
Yesterday · 16 Oct30 things
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
Challan re-read against the case — matches exactly
Received: Challan
VISHAL SANJAY KHAIRNAR EchallanMH012176766202627E.pdf
SANDEEP pressed Proceed on the challan — what was changed is kept
EzDocs took 38 steps of its own this day (reading, checking, tidying) — the technical record is under Details & records
An old draft withdrew itself — its asks were already answered
The loan amount was worked out from the papers
Everything for the challan is in — queued
Papers and money are in — the challan is next.
Wrote the acknowledgement mail — held, silent mode
Re: Re[2]: Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
Property address read from the sanction letter
Received: Sanction letter
Vishal KHIA.pdf
Received: other
image002.jpg
Nothing new to ask for — stayed quiet
An old draft withdrew itself — its asks were already answered
Not asked of the bank — what the reading stopped on means the same, or is not the property
EzDocs read the whole file
Wrote the document chase mail — held, silent mode
Re: Process 0.3 & 0.5 Challan in case of VISHAL SANJAY KHAIRNAR NHL/NSK/0926/5223247
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.
The payment proof already on the case was applied
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
The PAN and the Aadhaar name the same person — checked by EzDocs, no need to compare by hand
PAN found inside the KYC file — no need to ask for it
Received: PAN card
DocScanner 16 Oct 2026 12-27 pm.pdf
Received: logo
image001.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.
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