⚠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-2026-03051
Dharmendrakumar Kumar Kumawat
LAN HOU/NAG/0826/5202737
Challan paid · waiting on the branch
Waiting for the Index IISend the draft 1All documentsMails & papers 3Mail in
Documents
Payment
Challan
Filing
E-filing
Index II
What the e-filing still needs3 still to come
5 of 8 in hand.
the challan is done — these are for the IGR filing / KYC
the challan is done — these are for the IGR filing / KYC
✓Sanction letteropen
✓Aadhaar cardopen
✓PAN cardopen
✓Paid challan (GRAS)open
Property address — READ from the sanction letter, nothing missing. A person must confirm it: check the boxes and mark VERIFIED.
Applicant's Selfie / Photo — for the e-filing visit later
Index II copy / Title document — for the e-filing visit later
All files (6)A label is wrong? Fix it under All documents.
MoneyAll of it is in
₹15,340.17CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹15,298 receivedthe receipt's amount and minute agree
Stamp duty 0.3%5,070
Registration fee 0.5%8,450
Government handling320
Our service fee1,500.17
Total we ask for15,340.17
the branch’s receipt claims ₹15,298 627371059012
paid 30 Sep 20:16:49 · verified 30 Sep 20:21:56 · 5 min 08 s later
How we know
Our own bank told us — 30 Sep 20:16
₹15,298 · UTR 627371059012 · from JD-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.15298.00 30-09-2026 20:16:49 by RAJNIKAN thru UPI . Aval Bal Rs.217755.45 CR. (UPI Ref ID:627371059012) -PNB”
Matched by: the screenshot's amount AND its minute agree with this credit · counted full inside our buffer
By law ₹15,317.97. We ask ₹15,340 (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 1 h 27 minour time (made after working hours) · 30 Sep 21:46
Index II —not yet
the NOI team 13 d 4 htotal 13 d 4 h so far
Now with the NOI team — e-filing on IGR
since 30 Sep 21:46 — 13 d 3 h of working time
Day by day — every step and who held it
30 Sep 20:18Your branch's mail
30 Sep 20:18Payment landedat once
30 Sep 20:21Papers read+3 min · the NOI team
30 Sep 20:21Property readat once
30 Sep 20:21Papers readat once
30 Sep 20:21Fee quotedat once
30 Sep 20:21Payment verifiedat once
30 Sep 20:21Ready for the challanat once
30 Sep 21:46Challan made+1 h 24 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹16,87,246
Loan account no.
HOU/NAG/0826/5202737
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 sanction letter. If they are right, press Confirm. To look first, or to fix a box, open the verification page — the document beside every box.
District
Nagpur
Taluka
NAGPUR
Village
YERLA
Number type
SURVEY
Number
5, ̐ H HA 03
Building
Project SSD GREENS-5
Floor
G
Flat / shop no
112
Area
112.00
Hadd
YERLA GRAM PANCHAYAT
Read from the sanction letter, not the Index II. CustomerDocument068e200000i8TLWAA2.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 (13d ago) — open the verification page; they are marked in red.
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:
• Mortgagor pages: DHARMENDRA KUMAR KUMAWAT is NOT typed — the branch's mail names the property owner as DHARMENDRAKUMAR KUMAR KUMAWAT — this person is a borrower on the letter, not an owner (the mail: "Property Owner : - MR. DHARMENDRAKUMAR KUMAR KUMAWAT"). The notice is filed by the owners.
• Mortgagor pages: DHARMENDRA KUMAR KUMAWAT is on the sanction letter but the branch's mail names the owner as DHARMENDRAKUMAR KUMAR KUMAWAT — a borrower, not a mortgagor: no page
• Mortgagor pages: PINKY KUMARI is on the sanction letter but the branch's mail names the owner as DHARMENDRAKUMAR KUMAR KUMAWAT — a borrower, not a mortgagor: no page
• property boxes that do NOT agree with the title document were found — read them against it and fix them on the page before Save
• no mobile on any party — the portal's OTP/SMS goes to this number
• 18 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road
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.
⚠ 2 differences 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
CHECKPayer name spelling
| The PAN card | DHARMENDRA KUMAR KUMAWAT |
| The branch's mail of 2026-09-30 | DHARMENDRAKUMAR KUMAR KUMAWAT MR. DHARMENDRAKUMAR KUMAR KUMAWAT |
Why it matters: The branch's request and mail spell the name as DHARMENDRAKUMAR KUMAR KUMAWAT, whereas his PAN card and sanction letter spell it as DHARMENDRA KUMAR KUMAWAT. The challan has already been paid using the PAN card spelling.
What to do: Verify the correct spelling of Dharmendra's name; the PAN card spelling should be used on the filing.
CHECKThe name of person 1
| The PAN card | DHARMENDRAKUMAR KUMAR KUMAWAT |
| The sanction letter DIFFERS | DHARMENDRA KUMAR KUMAWAT |
What to do: The name is spelt differently on the two papers. The person's name is typed as the PAN card prints it; read both once — if they are not the same person, stop and ask the branch.
Compared: the sanction letter; 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 bank has sent the loan documents and paid the fee. The NOI team has generated and shared the challan. The team is now waiting for the registered sale deed copy and a colour live selfie photo of the applicants from the branch to proceed with NOI filing.
the trail says the next move is with the branch — a registered sale deed copy and a colour live selfie photo of the applicants
the branch last asked: Request for Paid Challan in the case of MR. DHARMENDRAKUMAR KUMAR KUMAWAT
✓ 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 (2026-09-30) “Amt paid :- ..80( 13498 + 1800) = 15298/-”
✓ challan made — done, mail 2 (2026-09-30) “We will initiate the challan for the same.”
✓ challan shared — done, mail 3 (2026-09-30) “PFA challan for your reference.”
? Index II asked for — asked, mail 2 (2026-09-30) “For NOI filing, We need a registered sale deed copy and a colour live selfie photo of the applicants..”
read over 3 mail(s), last mail 2026-09-30 · read 13d 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 (13d 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 | MH011195552202627E | — | 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 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-2026-03051
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
RC
rajnikant.chichkhede@phfl.com phfl.com
30 Sep, 20:18 · 13d ago THE FIRST MAIL — how this case began
30 Sep, 20:18 · 13d ago THE FIRST MAIL — how this case began
Request for Paid Challan in the case of Loan No HOU/NAG/0826/5202737----- Applicant Name : MR. DHARMENDRAKUMAR KUMAR KUM
📎 406647849.jpg↗📎 CustomerDocument068e200000i8TLWAA2.pdf↗📎 ADHAR CARD.pdf↗📎 PAN CARD.jpeg↗📎 DHARMENDRA KUMAWAT PLOT NO 112.doc↗
Request for Paid Challan in the case of MR. DHARMENDRAKUMAR KUMAR KUMAWAT
Case Type :- HL
Customer Type :- New Customer
Property Owner : - MR. DHARMENDRAKUMAR KUMAR KUMAWAT
Amt paid :- ..80( 13498 + 1800) = 15298/-
SRO NO. :-
Thanks & Regards
Rajnikant Chichkhede
Sr. Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II, Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +91 9552282227
Email: rajnikant.chichkhede@phfl.com
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
🤖 read: asks for the challan; says the fee is paid ₹15,298 ✓; documents attached — “Request for Paid Challan in the case of MR. DHARMENDRAKUMAR KUMAR KUMAWAT”
OL
The NOI teamTYPED IN GMAIL
30 Sep, 20:37 · 13d ago
30 Sep, 20:37 · 13d 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 a registered sale deed copy and a colour live selfie photo of the applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 30 Sept 2026 at 20:20, Rajnikant Chichkhede < rajnikant.chichkhede@phfl.com > wrote:
Request for Paid Challan in the case of MR. DHARMENDRAKUMAR KUMAR KUMAWAT
Case Type :- HL
Customer Type :- New Customer
Property Owner : - MR. DHARMENDRAKUMAR KUMAR KUMAWAT
A mt paid :- ..80 ( 13498 + 1800 ) = 15298/-
SRO NO. :-
Thanks & Regards
Rajnikant Chichkhede
Sr. Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II, Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +91 9552282227
Email: rajnikant.chichkhede@phfl.com
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
🤖 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
30 Sep, 21:47 · 13d ago
30 Sep, 21:47 · 13d ago
Team,
PFA challan for your reference.
Regards, NOI Coordinator (PNB)
ThinkBigz
M:-8097244974
earlier mails quoted below
On Wed, 30 Sept 2026 at 20:37, 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 a registered sale deed copy and a colour live selfie photo of the applicants..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 30 Sept 2026 at 20:20, Rajnikant Chichkhede < rajnikant.chichkhede@phfl.com > wrote:
Request for Paid Challan in the case of MR. DHARMENDRAKUMAR KUMAR KUMAWAT
Case Type :- HL
Customer Type :- New Customer
Property Owner : - MR. DHARMENDRAKUMAR KUMAR KUMAWAT
A mt paid :- ..80 ( 13498 + 1800 ) = 15298/-
SRO NO. :-
Thanks & Regards
Rajnikant Chichkhede
Sr. Channel Manager
PNB Housing Finance Limited,
1st Floor ,Achraj tower II, Chindwara road,
Chhaoni Square ,Sadar, Nagpur-440001
Mobile: +91 9552282227
Email: rajnikant.chichkhede@phfl.com
Website- www.pnbhousing.com
PHFL Home Loans and Services Limited
🤖 read: challan shared ✓ — “PFA challan for your reference.”
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 | 406647849.jpg | filed | 13d ago |
| Sanction letter | CustomerDocument068e200000i8TLWAA2.pdf | filed | 13d ago |
| Aadhaar card | ADHAR CARD.pdf | filed | 13d ago |
| PAN card | PAN CARD.jpeg | filed | 13d ago |
| Other | DHARMENDRA KUMAWAT PLOT NO 112.doc | unread | 13d ago |
| Paid challan (GRAS) | DHARMENDRA KUMAR KUMAWAT EchallanMH011195552202627E.pdf | filed | 13d 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
₹15,340.17
₹15,340.17
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
₹15,298 627371059012
₹15,298 627371059012
Paid at
30 Sep 20:16:49
30 Sep 20:16:49
Verified on
30 Sep 20:21:56
30 Sep 20:21:56
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹5,070 | ₹8,450 | ₹320 | ₹1,500 | ₹15,340 |
By law ₹15,317.97. We ask ₹15,340 (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)
29 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, PAN (person 1), Mobile (person 1), Birth date (person 1), E-mail (person 1)
22 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, Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Number type (SURVEY / GAT / CTS / PLOT / KHASRA …), Number …
✗ EzDocs found boxes that do NOT agree with the document (13d ago) — open the verification page; they are marked in red.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
CustomerDocument068e200000i8TLWAA2.pdf
as printed
UNIT PLOT NO.112, BLOCK PLOTS, PROJECT SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, 441501, NAGPUR, NAGPUR, MAHARASHTRA, INDIA, 441501
UNIT PLOT NO.112, BLOCK PLOTS, PROJECT SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, 441501, NAGPUR, NAGPUR, MAHARASHTRA, INDIA, 441501
PIN
441501
441501
THE CHALLAN, as it will be typed
Flat/Survey Number
PLOT NO 112 PROJECT SSD GREENS-5 KH SURVEY NO 5 HISSA NO 03 MOUZA YERLA
PLOT NO 112 PROJECT SSD GREENS-5 KH SURVEY NO 5 HISSA NO 03 MOUZA YERLA
Locality/Road
BLOCK PLOTS TAL NAGPUR DIST NAGPUR
BLOCK PLOTS TAL NAGPUR DIST NAGPUR
Area/City
NAGPUR
check or correct a box, the papers beside it →NAGPUR
Every paper prints the same words as the base paper.
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 |
|---|---|---|---|
| mortgagor | DHARMENDRA KUMAR KUMAWAT | COMPK5944K | …7857 |
| mortgagor | Dharmendrakumar Kumar Kumawat |
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 | rajnikant.chichkhede@phfl.com | 13d ago |
What the engine read from each document — check anything marked in red
Payment screenshot 406647849.jpg needs your check
utr
627371059012
627371059012
date
2026-09-30
2026-09-30
time
20:16
20:16
amount
15298
15298
method
UPI
UPI
payee name
THINKBIGZ INITIATIVE PVT LTD
THINKBIGZ INITIATIVE PVT LTD
raw reading (for Abhijit)
{'utr': '627371059012', 'date': '2026-09-30', 'time': '20:16', 'amount': 15298, 'method': 'UPI', 'payee_upi': None, 'payer_upi': None, 'payee_name': 'THINKBIGZ INITIATIVE PVT LTD', 'payer_name': None, 'debit_notification_text': None}Sanction letter CustomerDocument068e200000i8TLWAA2.pdf needs your check
lan
HOU/NAG/0826/5202737
HOU/NAG/0826/5202737
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'DHARMENDRA KUMAR KUMAWAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PINKY KUMARI', 'role': 'co_applicant', 'label': 'Applicant'}
{'name': 'DHARMENDRA KUMAR KUMAWAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PINKY KUMARI', 'role': 'co_applicant', 'label': 'Applicant'}
confidence
1.0
1.0
rate words
13.15% per annum 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
13.15% per annum 13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement
loan amount
1623246.0
1623246.0
rate spread
-4.65
-4.65
final amount
1687246.0
1687246.0
interest rate
8.5
8.5
sanction date
25-Aug-2026
25-Aug-2026
letter version
5
5
reference rate
13.15
13.15
applicant email
dkkumawat1989@gmail.com
dkkumawat1989@gmail.com
applicant names
DHARMENDRA KUMAR KUMAWAT, PINKY KUMARI
DHARMENDRA KUMAR KUMAWAT, PINKY KUMARI
printed altered
False
False
applicant mobile
8446202013
8446202013
balance transfer
False
False
property address
pin: 441501; state: MAHARASHTRA; flat_no: 112; district: Nagpur; full_address: Unit Plot No.112, Block Plots, Project SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, Nagpur, MAHARASHTRA, 441501; village_city
pin: 441501; state: MAHARASHTRA; flat_no: 112; district: Nagpur; full_address: Unit Plot No.112, Block Plots, Project SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, Nagpur, MAHARASHTRA, 441501; village_city
insurance premium
64000.0
64000.0
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
1687246.0
1687246.0
security address verbatim
Unit Plot No.112, Block Plots, Project SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, 441501, Nagpur, Nagpur, MAHARASHTRA, India, 441501
Unit Plot No.112, Block Plots, Project SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, 441501, Nagpur, Nagpur, MAHARASHTRA, India, 441501
applicant address verbatim
QTR NO-172 TY-3, CPWD COLONY SEMINARY HILL, NAGPUR NAGPUR (URBAN) NAGPUR, ., Nagpur, MAHARASHTRA, 440013, India
QTR NO-172 TY-3, CPWD COLONY SEMINARY HILL, NAGPUR NAGPUR (URBAN) NAGPUR, ., Nagpur, MAHARASHTRA, 440013, India
raw reading (for Abhijit)
{'lan': 'HOU/NAG/0826/5202737', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'DHARMENDRA KUMAR KUMAWAT', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'PINKY KUMARI', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'rate_words': '13.15% per annum\n13.15% -4.65% = 8.50% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1623246.0, 'rate_spread': -4.65, 'final_amount': 1687246.0, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '25-Aug-2026', 'letter_version': '5', 'reference_rate': 13.15, 'applicant_email': 'dkkumawat1989@gmail.com', 'applicant_names': ['DHARMENDRA KUMAR KUMAWAT', 'PINKY KUMARI'], 'printed_altered': False, 'applicant_mobile': '8446202013', 'balance_transfer': False, 'property_address': {'pin': '441501', 'road': None, 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': '112', 'district': 'Nagpur', 'floor_no': None, 'landmark': None, 'full_address': 'Unit Plot No.112, Block Plots, Project SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, Nagpur, MAHARASHTRA, 441501', 'village_city': 'YERLA', 'building_name': 'Project SSD GREENS-5', 'survey_or_cts_no': 'KH SURVEY NO 5'}, 'insurance_premium': 64000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1687246.0, 'security_address_verbatim': 'Unit Plot No.112, Block Plots, Project SSD GREENS-5, KH SURVEY NO 5, ̐ Η ΗΑ 03, MOUZA YERLA NAGPUR, 441501, Nagpur, Nagpur, MAHARASHTRA, India, 441501', 'applicant_address_verbatim': 'QTR NO-172 TY-3, CPWD COLONY SEMINARY HILL, NAGPUR NAGPUR (URBAN) NAGPUR, ., Nagpur, MAHARASHTRA, 440013, India'}Aadhaar card ADHAR CARD.pdf needs your check
dob
1989-09-23
1989-09-23
name
Dharmendra Kumar Kumawat
Dharmendra Kumar Kumawat
address
pin: 303903; area: Chak Shivdaspura No. 2, Shivdaspura; flat: plot No-78; road: Near Police Station; state: Rajasthan; building: maliyon Ka Mohalla; district: Jaipur; village_city: Jaipur
pin: 303903; area: Chak Shivdaspura No. 2, Shivdaspura; flat: plot No-78; road: Near Police Station; state: Rajasthan; building: maliyon Ka Mohalla; district: Jaipur; village_city: Jaipur
legible
True
True
aadhaar last4
7857
7857
raw reading (for Abhijit)
{'dob': '1989-09-23', 'pan': None, 'name': 'Dharmendra Kumar Kumawat', 'mobile': None, 'address': {'pin': '303903', 'area': 'Chak Shivdaspura No. 2, Shivdaspura', 'flat': 'plot No-78', 'road': 'Near Police Station', 'floor': None, 'state': 'Rajasthan', 'building': 'maliyon Ka Mohalla', 'district': 'Jaipur', 'post_office': None, 'village_city': 'Jaipur'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '7857', 'quality_issue': None}PAN card PAN CARD.jpeg needs your check
dob
1989-09-23
1989-09-23
pan
COMPK5944K
COMPK5944K
name
DHARMENDRA KUMAR KUMAWAT
DHARMENDRA KUMAR KUMAWAT
legible
True
True
father name
ASHURAM KUMAWAT
ASHURAM KUMAWAT
raw reading (for Abhijit)
{'dob': '1989-09-23', 'pan': 'COMPK5944K', 'name': 'DHARMENDRA KUMAR KUMAWAT', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'ASHURAM KUMAWAT', 'aadhaar_last4': None, 'quality_issue': None}Paid challan (GRAS) DHARMENDRA KUMAR KUMAWAT EchallanMH011195552202627E.pdf needs your check
grn
MH011195552202627E
MH011195552202627E
pin
441501
441501
total
13520.0
13520.0
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100100279
03006172026100100279
district
NAGPUR
NAGPUR
area city
NAGPUR
NAGPUR
payer pan
COMXXXXXXK
COMXXXXXXK
flat block
UNIT PLOT NO 112 BLOCK PLOTS PROJECT
UNIT PLOT NO 112 BLOCK PLOTS PROJECT
payer name
DHARMENDRA KUMAR KUMAWAT
DHARMENDRA KUMAR KUMAWAT
sro office
NGP7_JT NAGPUR NO 7 SUB REGISTRAR
NGP7_JT NAGPUR NO 7 SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1687246
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1687246
scheme rows
{'amount': 5070.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8450.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 5070.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8450.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX2013
XXXXXX2013
payment date
30/09/2026-21:46:06
30/09/2026-21:46:06
road locality
SSD GREENS 5 KH SURVEY NO 5 PH NO 03 MOUZA YERLA NAGPUR MAHARASHTRA
SSD GREENS 5 KH SURVEY NO 5 PH NO 03 MOUZA YERLA NAGPUR MAHARASHTRA
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
1687246
1687246
raw reading (for Abhijit)
{'grn': 'MH011195552202627E', 'pin': '441501', 'total': 13520.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100100279', 'district': 'NAGPUR', 'area_city': 'NAGPUR', 'payer_pan': 'COMXXXXXXK', 'flat_block': 'UNIT PLOT NO 112 BLOCK PLOTS PROJECT', 'payer_name': 'DHARMENDRA KUMAR KUMAWAT', 'sro_office': 'NGP7_JT NAGPUR NO 7 SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1687246', 'scheme_rows': [{'amount': 5070.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8450.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX2013', 'payment_date': '30/09/2026-21:46:06', 'road_locality': 'SSD GREENS 5 KH SURVEY NO 5 PH NO 03 MOUZA YERLA NAGPUR MAHARASHTRA', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1687246'}Technical record (for Abhijit — safe to ignore)
| 1h ago | ezdocs:reader | reader_efiling_verdict | {'fp': 'c1fc488771506a54', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage, which is usually found on the Memorandum of Deposit of Title Deeds (MOTD).', 'box': 'Date of Mortgage', 'why': 'The |
| 13d ago | ezdocs:reader | applicant_name_by_reading455 | {'now': 'Dharmendrakumar Kumar Kumawat', 'was': 'DHARMENDRA KUMAR KUMAWAT', 'why': "the reading of the whole file says the branch's request is for Dharmendrakumar Kumar Kumawat (loan HOU/NAG/0826/5202737); the request's |
| 13d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': 'ca09d2ef707bee07', 'docs': ['CustomerDocument068e200000i8TLWAA2.pdf', 'ADHAR CARD.pdf', 'PAN CARD.jpeg'], 'loan': {'amount': 1687246, 'made_of': [{'what': 'sanctioned amount', 'paper': 'the sanctio |
| 13d ago | ezdocs:reader | case_read_started | {'tag': 'ca09d2ef707bee07', 'why': 'sweep', 'note': 'the whole file is being read — a Fill or a copy asking meanwhile waits for this reading'} |
| 13d ago | system:ingest | 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': ['fee_paid', 'challan', 'challan_shared'], 'mails |
| 13d 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 COxxxxxxXK — no paper on the |
| 13d 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': '394590', 'lessons': [{'box': 'Property box 2', 'words': 'Property box 2: the |
| 13d 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 |
| 13d 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': 'DHARMENDRA KUMAR KUMAWAT EchallanMH011195552202627E.pdf', 'ki |
| 13d 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': 'DHARMENDRA KUMAR KU |
| 13d 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': 'NGP7_JT NAGPUR NO 7 SUB REGISTRAR', 'district': 'NAGPUR'} |
| 13d ago | system:extract | challan_verified_against_case | {'grn': 'MH011195552202627E', 'file': 'DHARMENDRA KUMAR KUMAWAT EchallanMH011195552202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 13d ago | system:extract | challan_extracted | {'grn': 'MH011195552202627E', 'file': 'DHARMENDRA KUMAR KUMAWAT EchallanMH011195552202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 13520.0} |
| 13d ago | copilot:SANDEEP | copilot_edit | {'n': 15, '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': |
| 13d 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 'KH |
| 13d 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': 'CustomerDocument068e200000i8TLWAA2.pdf', 'paper': 'the sanction letter', 'not_on_paper': [' |
| 13d ago | ops:copilot | challan_boxes_not_the_papers_words | {'why': "check — the boxes carry words the base paper does not print (HISSA) — read box 1 once against the paper's own words"} |
| 13d ago | system:reconcile | quoted_history_checked | {} |
| 13d ago | system:ingest | 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': ['fee_paid'], 'mails': 2, 'summary': 'The branch |
| 13d ago | system:reconcile | extra_challan_scanned | {'found': 0} |
| 13d ago | system:extract | applicant_name_corrected_from_letter | {'now': 'DHARMENDRA KUMAR KUMAWAT', 'was': 'Dharmendrakumar Kumar Kumawat', 'why': "the case was named from the branch's mail, and that name is another person on this file (a co-applicant); the sanction letter labels its |
| 13d ago | ezdocs:reader | reader_home_address | {'fp': 'e42ee7b21d6b388a', 'from': 'the sanction letter (CustomerDocument068e200000i8TLWAA2.pdf)', 'home': {'pin': '440013', 'area': 'SEMINARY HILL', 'flat': 'QTR NO-172', 'floor': 'TY-3', 'state': 'MAHARASHTRA', 'buildi |
| 13d ago | ezdocs:reader | applicant_name_by_reading455 | {'now': 'Dharmendrakumar Kumar Kumawat', 'was': 'DHARMENDRA KUMAR KUMAWAT', 'why': "the reading of the whole file says the branch's request is for Dharmendrakumar Kumar Kumawat (loan HOU/NAG/0826/5202737); the request's |
| 13d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': '50b3dbb937ecc4f5', 'docs': ['CustomerDocument068e200000i8TLWAA2.pdf', 'ADHAR CARD.pdf', 'PAN CARD.jpeg'], 'loan': {'amount': 1687246, 'made_of': [{'paper': 'the sanction letter', 'quote': 'INR 1623 |
| 13d ago | system:ingest | 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': ['fee_paid'], 'mails': 1, 'summary': 'The branch |
| 13d ago | system:extract | cards_read | {'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'ADHAR CARD.pdf', 'cards': 1, 'doc_id': 'dfca1359-0c7f-4568-b974-95edb79db6e3', 'applied': 0} |
| 13d ago | system:extract | cards_read | {'why': 'read card by card — this file holds one card; its own reading stands', 'file': 'PAN CARD.jpeg', 'cards': 1, 'doc_id': 'cb3aa475-72b9-43d3-a457-1c3193728660', 'applied': 0} |
| 13d ago | system:extract | boxes_gathered | {'how': 'uri', 'why': 'new mail', 'docs': ['CustomerDocument068e200000i8TLWAA2.pdf', 'ADHAR CARD.pdf', 'PAN CARD.jpeg'], 'after': {'addresses': {'people': [['Dharmendrakumar Kumar Kumawat', [['sanction_letter', 'differen |
| 13d ago | system:extract | address_compared | {'sig': '0ca83e86aef84e94', 'why': 'after gather', 'people': [{'home': 'plot No-78, maliyon Ka Mohalla, Near Police Station, Chak Shivdaspura No. 2, Shivdaspura, Jaipur, Jaipur, 303903', 'person': 'Dharmendrakumar Kumar |
| 13d ago | system:extract | challan_boxes_composed | {'fp': '596f4b8ccaf3b766', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': 'PLOT NO 112 PROJECT SSD GREENS-5 KH SURVEY NO 5 H |
Case diary the case’s history — what happened, newest day first
Papers
Challan papers in; e-filing papers pending
For the visit later: Applicant's Selfie / Photo, Index II copy / Title document
Money
₹15,298 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 · 13 Oct1 thing
reader efiling verdict — by ezdocs:reader
1 Oct3 things — 3 steps
applicant name by reading455 — by ezdocs:reader
case read — by ezdocs:reader
case read started — by ezdocs:reader
30 Sep59 things — 6 documents received · 3 letters written · 1 money step · 49 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
Challan re-read against the case — matches exactly
challan extracted
Received: Challan
DHARMENDRA KUMAR KUMAWAT EchallanMH011195552202627E.pdf
copilot edit — by copilot:SANDEEP
copilot check issues — by copilot
reading boxes not the papers words — by copilot
challan boxes not the papers words — by copilot
quoted history checked
EzDocs read the whole trail as one conversation — where the case stands is on the page
extra challan scanned
applicant name corrected from letter
The home address was read off the papers — by ezdocs:reader
applicant name by reading455 — by ezdocs:reader
case read — by ezdocs:reader
EzDocs read the whole trail as one conversation — where the case stands is on the page
cards read
cards read
boxes gathered
address compared
challan boxes composed
property self check
kyc address read
Everything for the challan is in — queued
Papers and money are in — the challan is next.
case acknowledged challan queued
Wrote the acknowledgement mail — held, silent mode
NOI case NOI-2026-03051
No fee quote sent — the branch's own figures were right
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
receivable snapshot
The payment proof already on the case was applied
property numbers completed
documents read together
boxes gathered
address compared
challan boxes composed
Received: other
DHARMENDRA KUMAWAT PLOT NO 112.doc
money settled — by ezdocs:reader
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
case read started — by ezdocs:reader
applicant email captured
roles from letter
applicant row from letter
Property address read from the sanction letter
applicant name corrected from letter
credit seen before bill
Payment proof arrived before the case was quoted — held
Received: PAN card
PAN CARD.jpeg
party from case name
Received: Aadhaar
ADHAR CARD.pdf
Received: Sanction letter
CustomerDocument068e200000i8TLWAA2.pdf
Received: Payment screenshot
406647849.jpg
The branch wrote that it has paid (amount / UTR in the mail) — taken as its advice; the bank credit still decides
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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