silent mode — a mail leaves only when you press Sendsilent mode
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मराठी A
⚠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.
Mailboxes — what to do →
Cases/NOI-2026-03062

Aruna Tejesh Karadage

PNB_HFLLAN HOU/KOP/0926/5224827Loan ₹16,52,000NOI
Waiting for the Index IIMails & papers 3 2 drafts to send

Correct a detail

Payment seen with your own eyes

A note for the history

Undo a verification

the money goes back to unverified and the case leaves the challan queue

Kind of case — the amount follows it

Who paid the challan

Papers

a file on a mail that is not here

Out of turn

A step done before the case asked for it. The paper is kept and read, the bank mail written and held for Send; a stop on the case still wants its answer.
GRAS ↗
Advanced — move the case by hand (ask Abhijit first)
Mail in
30 Sep, 20:50
Documents
Payment
Challan
done 30 Sep, 21:23 · GRAS ↗
Filing
waiting 13d 2h · IGR e-filing ↗
waiting on the branchChallan paid · the trail says: The bank has sent the loan documents and paid the fees. The team has generated and shared the challan. The team is waiting for the Index II copy and a colour…whole case so far 13d 2h
Needs your eyes1
1 difference(s) between the papers to look at once — none stops the challan. See them →
CONFIRM THE PROPERTY — then file
The engine read these from the 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
Kolhapur
Taluka
Kolhapur
Village
DHARANGUTTI
Number type
GAT
Number
349/48
Building
RUKMINI PARADISE
Floor
(empty)
Flat / shop no
(empty)
Area
(empty)
Hadd
DHARANGUTTI
Read from the sanction letter, not the Index II. CamScanner 09-30-2026 20.47.29.pdf open it · If an Index II is on file, read the property from it.
✓ EzDocs checked every box against the document’s own words 13d ago — all agree.
Floor, Flat / shop no, Area are empty — the portal will not take a blank. Fill it on the verification page first →
NEXT STEPwaiting on the branch

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

The challan is paid.

The branch has not sent the title document (the Index II of the sale deed, or the sale deed) — the e-filing starts from its document number. The engine asked for it with the challan mail and asks again every few days. In hand? Upload it under ⋯ → Papers.
Before opening the portal, the engine sees:
• Mortgagor pages: TEJESH SURESH KARADAGE is named on the sanction letter (CamScanner 09-30-2026 20.47.29.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 NOT VERIFIED — open the case's Details & records, check the English boxes against the title document, save a correction if needed. e-filing makes this a government record.
• TEJESH SURESH KARADAGE: PAN missing — no PAN card of TEJESH SURESH KARADAGE is read on the file — the PAN cards on it (KARADAGE ARUNA TEJESH, CamScanner 09-30-2026 20.47.29.pdf) are beside the form; type the PAN off the person's own card
• TEJESH SURESH KARADAGE: birth date missing — no PAN card of TEJESH SURESH KARADAGE is read on the file — the PAN cards on it (KARADAGE ARUNA TEJESH, CamScanner 09-30-2026 20.47.29.pdf) are beside the form; type the birth date off the person's own card
• 13 property box(es) not from the Index II / derived / unsure — amber on the portal: district, taluka, village, hadd_type, hadd_name, road
• Build Up Area not on file — read it off the Index II / sale deed
How — one e-filing tab, the co-pilot fills
Press the button; switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login. Not logged in yet today? open the portal. The co-pilot creates the token from the Date of Mortgage, opens each page and fills it, checked by EzDocs; you check, do photo and thumb, press each Save and the final submit. Then press Filed on IGR so the branch hears it. New to it? Rehearse on the practice copy.
Historywhat happened on this case, newest first
Yesterday · 12 Oct2 things
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03062 | HOU/KOP/0926/5224827
10:00
An old draft withdrew itself — its asks were already answered
10:00
9 Oct2 things — 1 letter written · 1 step
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03062 | HOU/KOP/0926/5224827
10:00
An old draft withdrew itself — its asks were already answered
10:00
6 Oct2 things — 1 letter written · 1 step
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03062 | HOU/KOP/0926/5224827
10:00
An old draft withdrew itself — its asks were already answered
10:00
3 Oct1 thing — 1 letter written
Wrote the Index II chase mail — held, silent mode
Index II pending — NOI NOI-2026-03062 | HOU/KOP/0926/5224827
10:00
1 Oct2 things — 2 steps
case read — by ezdocs:reader
00:56
case read started — by ezdocs:reader
00:55
30 Sep52 things — 2 documents received · 5 letters written · 1 money step · 2 cautions · 42 steps
EzDocs read the whole trail as one conversation — where the case stands is on the page
21:27
A file was read again from the start — everything inside it now counts
21:25
TWO 0.3% challans on this case — the portal takes only one; the 0.3% must be a single challan for the whole amount
21:25
Challan re-read against the case — matches exactly
21:25
challan extracted
21:25
reading error456
21:25
Challan paid — the filing waits on the branch's Index II / sale deed (the e-filing starts from its document number)
21:23
The paid challan is on the case — moved to filing
The case moves to filing on the IGR site.
21:23
The NOI team's challan / e-filing copy / Index II, mailed to the branch — kept for the bank's window
21:23
The SRO office on the challan is remembered for that district — the next challan there picks it by itself
21:23
Challan re-read against the case — matches exactly
21:23
challan extracted
21:23
Received: Challan
KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf
21:23
copilot edit — by copilot:SANDEEP
21:22
copilot check issues — by copilot
21:20
copilot pick — by copilot
21:20
reading boxes not the papers words — by copilot
21:20
copilot edit — by copilot:SANDEEP
21:19
copilot check issues — by copilot
21:15
copilot pick — by copilot
21:15
copilot pick — by copilot
21:15
reading boxes not the papers words — by copilot
21:15
EzDocs read the whole trail as one conversation — where the case stands is on the page
21:12
quoted history checked
21:06
extra challan scanned
21:03
case read — by ezdocs:reader
21:02
The home address was read off the papers — by ezdocs:reader
21:02
property self check
21:02
Everything for the challan is in — queued
Papers and money are in — the challan is next.
21:01
case acknowledged challan queued
21:01
Wrote the acknowledgement mail — held, silent mode
KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5: ARUNA TEJESH KARADAGE: HOU/KOP/0926/5224827
21:01
An old draft withdrew itself — its asks were already answered
21:01
An old draft withdrew itself — its asks were already answered
21:01
boxes gathered
21:01
challan boxes composed
21:01
EzDocs read the whole trail as one conversation — where the case stands is on the page
21:01
The file seems to show a payment to us but no row could be read — open it
21:01
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
21:01
kyc address read
21:01
money settled — by ezdocs:reader
21:01
roles from letter
21:01
case read started — by ezdocs:reader
21:01
applicant email captured
21:01
Property address read from the sanction letter
21:01
Received: Sanction letter
CamScanner 09-30-2026 20.47.29.pdf
21:01
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03062
21:01
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03062
21:01
A waiting bank credit was matched to this case
A credit that had been waiting found its case.
21:01
Payment verified against the credit in our account
The challan can be made now — money is no longer the wait.
21:01
receivable snapshot
21:01
The branch's own fee working disagrees with the law
21:01
Case opened from the branch's mail
21:00
Older days stay folded — open one to read it. The mails themselves are in the thread above; Abhijit's technical record is under Details & records.
What the e-filing still needs3 still to come
5 of 8 in hand · the challan is done — these are for the filing / KYC
✓Sanction letteropen
✓Paid challan (GRAS)open
✓Aadhaar card — inside CamScanner 09-30-2026 20.47.29.pdfopen
✓Payment screenshot — money verified — inside CamScanner 09-30-2026 20.47.29.pdfopen
✓PAN card — inside CamScanner 09-30-2026 20.47.29.pdfopen
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
Mails & papers →every paper, beside its mail · 2 files
Moneyall of it is in
₹15,150.10
Reached our account 30 Sep 16:31:59.
How we know
Our own bank told us — 30 Sep 16:31
₹15,241 · UTR AXNGG27329385725 · from JD-PNBSMS-S · a/c …3164
“Ac XX3164 Credited with Rs.15241.00,30-09-2026 16:31:59 thru NEFT from AXNGG27329385725/GOOGLE INDIA DIGITAL . Aval Bal 261431.95 CR Helpline 18001800/18002021-PNB”
Matched by: AMOUNT ALONE — a little over our ask
The working
Stamp duty 0.3%4,970
Registration fee 0.5%8,270
Government handling320
Our service fee1,500
Total we ask for15,150.10
By law ₹15,132. We ask ₹15,060 (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.
Propertynot verified yet
RUKMINI PARADISE, GAT, 349/48, DHARANGUTTI, 416102
read from the sanction letter · e-filing boxes 26 of 34 ready
Check the property →the boxes beside the paper
People
ARUNA TEJESH KARADAGE · applicantBLCPB1429G
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