⚠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-2026-03062
Aruna Tejesh Karadage
LAN HOU/KOP/0926/5224827
Challan paid · waiting on the branch
Waiting for the Index IISend the draft 2All 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
✓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 (2)A label is wrong? Fix it under All documents.
MoneyAll of it is in
₹15,150.10CASE MARK
The whole amount reached our account. Nothing is pending on this case.
₹15,241 receivedby the amount alone
Stamp duty 0.3%4,970
Registration fee 0.5%8,270
Government handling320
Our service fee1,500
Total we ask for15,150.10
paid 30 Sep 16:31:59 · verified 30 Sep 21:01:05 · 4 h 29 min later
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
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.
Bank's table ₹22,800 — accept as full (₹7,649.90 = our margin).
BANK ARITHMETIC — its own rows don't add up
The branch's mail adds up wrong: its rows come to Rs.15,112 against a stated total of Rs.22,800. Collect Rs.15,132.
the branch's own words
The branch's mail said: total payable: bank says Rs.22,800, computed Rs.15,132 (difference Rs.7,668); the bank's own rows sum to Rs.15,112 but its total says Rs.22,800See the full workingevery row, and the property
Time takennot shown to the bank
Challan 33 minour time (made after working hours) · 30 Sep 21:22
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 21:22 — 13 d 4 h of working time
Day by day — every step and who held it
30 Sep 20:50Your branch's mail
30 Sep 20:50Payment landedat once
30 Sep 21:01Fee quoted+11 min · the NOI team
30 Sep 21:01Payment verifiedat once
30 Sep 21:01Papers readat once
30 Sep 21:01Property readat once
30 Sep 21:01Ready for the challan+1 min · the NOI team
30 Sep 21:22Challan made+21 min · the NOI team
Case facts
Bank
PNB_HFL
Loan amount
₹16,52,000
Loan account no.
HOU/KOP/0926/5224827
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
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 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: 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
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
CHECKProperty: Taluka
| The sanction letter | Kolhapur MOUJE DHARANGUTTI, NEAR CHAITANYA LAWNS, Kolhapur, DHARANGATTI ROAD, Kolhapur |
| The branch's mail of 30 Sep | SHIROL SRO No SHIROL |
Why it matters: The sanction letter lists the district 'Kolhapur' where the taluka normally goes. Dharangutti is a village in Shirol Taluka, matching the SRO listed in the branch's mail request.
What to do: Confirm that the property is in Shirol Taluka and file under SRO Shirol.
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 fees. The team has generated and shared the challan. The team is waiting for the Index II copy and a colour live selfie photo of the applicant from the branch.
the trail says the next move is with the branch — the Index II copy and a colour live selfie photo of the applicant
✓ loan papers sent — done, mail 1 (2026-09-30) “Attached”
✓ fee paid — the branch's words — done, mail 2 (2026-09-30) “We acknowledge the receipt of your mail documents and payment.”
✓ challan made — done, mail 3 (2026-09-30) “PFA challan for your reference.”
✓ 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 an index 2 copy and a colour live selfie photo of the applicant..”
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 checked every box against the document’s own words 13d ago — all agree.
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 | MH011194761202627E | — | 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
KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5: ARUNA TEJESH KARADAGE: HOU/KOP/0926/5224827
DRAFT — written by the engine, not sent
Index II pending — NOI NOI-2026-03062 | HOU/KOP/0926/5224827
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
SS
sambhaji.shelake@phfl.com phfl.com
30 Sep, 20:50 · 13d ago THE FIRST MAIL — how this case began
30 Sep, 20:50 · 13d ago THE FIRST MAIL — how this case began
KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5: ARUNA TEJESH KARADAGE: HOU/KOP/0926/5224827
Dear Team,
KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5
Loan account (LAN)HOU/KOP/0926/5224827
Loan amount₹16,52,000
Stamp duty 0.30%₹4,992
Registration fee 0.50%₹8,320
Service / vendor fees₹1,800
Total₹22,800
- ✓ Sanction Letter — attached
- ✓ Applicant and Co App Aadhar Card — attached
- ✓ Applicant and Co App Pan Card — attached
- ✓ Index II Copy — attached
- ✓ Soft copy of Photograph — attached
- ✓ Payment details — attached
Customer Name
ARUNA TEJESH KARADAGE
SRO No
SHIROL
🤖 read: documents attached
OL
The NOI teamTYPED IN GMAIL
30 Sep, 21:09 · 13d ago
30 Sep, 21:09 · 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 an index 2 copy
and a colour live selfie photo of the applicant..
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
earlier mails quoted below
On Wed, 30 Sept 2026 at 21:00, Sambhaji Bhimrao Shelake <
sambhaji.shelake@phfl.com> wrote:
Dear Team,
KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5
*Customer Name*
ARUNA TEJESH KARADAGE
*Lan No*
HOU/KOP/0926/5224827
*Loan Amount*
1652000/-
*LOAN AMOUNT*
1652000/-
*0.3%*
4992/-
*0.5%*
8320/-
*FEES*
1800/-
*TOTAL*
22800/-
**Sanction Letter*
Attached
**Applicant and Co App Aadhar Card*
Attached
**Applicant and Co App Pan Card*
Attached
**Index II Copy*
Attached
**Soft copy of Photograph*
Attached
**Payment details*
Attached
*SRO No*
SHIROL
🤖 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, 21:23 · 13d ago
30 Sep, 21:23 · 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 21:09, 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 and a colour live selfie photo of the applicant..
Regards, NOI Coordinator (PNB)
ThinkBigz
M:- 8097244974
On Wed, 30 Sept 2026 at 21:00, Sambhaji Bhimrao Shelake < sambhaji.shelake@phfl.com > wrote:
Dear Team,
KINDLY PROCESS NOI CHALLAN 0.3 AND 0.5
Customer Name
ARUNA TEJESH KARADAGE
Lan No
HOU/KOP/0926/5224827
Loan Amount
1652000/-
LOAN AMOUNT
1652000/-
0.3%
4992/-
0.5%
8320/-
FEES
1800/-
TOTAL
22800/-
*Sanction Letter
Attached
*Applicant and Co App Aadhar Card
Attached
*Applicant and Co App Pan Card
Attached
*Index II Copy
Attached
*Soft copy of Photograph
Attached
*Payment details
Attached
SRO No
SHIROL
🤖 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 |
|---|---|---|---|
| Sanction letter+ Aadhaar card inside+ Payment screenshot inside+ PAN card inside | CamScanner 09-30-2026 20.47.29.pdf | filed | 13d ago |
| Paid challan (GRAS) | KARADAGE ARUNA TEJESH EchallanMH011194761202627E.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
₹15,150.10
₹15,150.10
Where it stands
VERIFIED — money received
VERIFIED — money received
Screenshot claims
—
—
Paid at
30 Sep 16:31:59
30 Sep 16:31:59
Verified on
30 Sep 21:01:05
30 Sep 21:01:05
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹4,970 | ₹8,270 | ₹320 | ₹1,500 | ₹15,060 |
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.
Property (must be perfect)
26 of 34 e-filing boxes readyOpen the verification page →
Empty: Date of Mortgage, Floor, Flat / shop no, Area, Area unit (Sq.mt. / Sq.ft.), Title deed held by the bank (Agreement to Sale / Sale Deed …) …
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, 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 checked every box against the document’s own words 13d ago — all agree.
The property, paper by paper side by side, the base paper first
the sanction letter BASE — the challan follows this
CamScanner 09-30-2026 20.47.29.pdf
the address
{'PIN': '416104', 'AREA': NONE, 'FLAT': '00', 'ROAD': 'BUBNAL', 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'BASTI CHOUK', 'DISTRICT': 'KOLHAPUR', 'POST_OFFICE': 'BUBNAL', 'VILLAGE_CITY': 'BUBNAL'}
{'PIN': '416104', 'AREA': NONE, 'FLAT': '00', 'ROAD': 'BUBNAL', 'FLOOR': NONE, 'STATE': 'MAHARASHTRA', 'BUILDING': 'BASTI CHOUK', 'DISTRICT': 'KOLHAPUR', 'POST_OFFICE': 'BUBNAL', 'VILLAGE_CITY': 'BUBNAL'}
THE CHALLAN, as it will be typed
Flat/Survey Number
PLOT NO 48 RUKMINI PARADISE GAT NO 349/48
PLOT NO 48 RUKMINI PARADISE GAT NO 349/48
Locality/Road
DHARANGATTI ROAD NEAR DHARANGATTI ROAD MOUJE DHARANGUTTI TAL KOLHAPUR DIST KOLHAPUR
DHARANGATTI ROAD NEAR DHARANGATTI ROAD MOUJE DHARANGUTTI TAL KOLHAPUR DIST KOLHAPUR
Area/City
KOLHAPUR
check or correct a box, the papers beside it →KOLHAPUR
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 | ARUNA TEJESH KARADAGE | BLCPB1429G | …6551 |
All mail records (for Abhijit — safe to ignore)
2 mail(s) written and held — read and send them on Draft mails.
| Template | To | When |
|---|---|---|
| fee quote | sambhaji.shelake@phfl.com | 13d ago |
| document chase | sambhaji.shelake@phfl.com | 13d ago |
| acknowledgement | sambhaji.shelake@phfl.com | 13d ago |
| Index II chase | sambhaji.shelake@phfl.com | 10d ago |
| Index II chase | sambhaji.shelake@phfl.com | 7d ago |
| Index II chase | sambhaji.shelake@phfl.com | 4d ago |
| Index II chase | sambhaji.shelake@phfl.com | 1d ago |
What the engine read from each document — check anything marked in red
Sanction letter CamScanner 09-30-2026 20.47.29.pdf needs your check
lan
HOU/KOP/0926/5224827
HOU/KOP/0926/5224827
legible
True
True
purpose
Housing Loan, Housing
Housing Loan, Housing
borrowers
{'name': 'ARUNA TEJESH KARADAGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'TEJESH SURESH KARADAGE', 'role': 'co_applicant', 'label': None}
{'name': 'ARUNA TEJESH KARADAGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'TEJESH SURESH KARADAGE', 'role': 'co_applicant', 'label': None}
loan type
Housing Loan, Housing
Housing Loan, Housing
confidence
1
1
rate words
13.15% per annum 13.15% -4.40% = 8.75% per annum as on the date of execution of the loan agreement
13.15% per annum 13.15% -4.40% = 8.75% per annum as on the date of execution of the loan agreement
loan amount
1600000
1600000
rate spread
-4.4
-4.4
final amount
1652000
1652000
interest rate
8.75
8.75
sanction date
22-Sep-2026
22-Sep-2026
letter version
4
4
reference rate
13.15
13.15
applicant email
shreevishwasakhiayurved@gmail.com
shreevishwasakhiayurved@gmail.com
applicant names
ARUNA TEJESH KARADAGE, TEJESH SURESH KARADAGE
ARUNA TEJESH KARADAGE, TEJESH SURESH KARADAGE
printed altered
False
False
applicant mobile
9175718588
9175718588
balance transfer
False
False
property address
pin: 416102; road: DHARANGATTI ROAD; state: MAHARASHTRA; district: Kolhapur; landmark: NEAR DHARANGATTI ROAD; full_address: GAT NO 349/48, PLOT NO 48, RUKMINI PARADISE, MOUJE DHARANGUTTI, NEAR DHARANGATTI ROAD, Kolhapur,
pin: 416102; road: DHARANGATTI ROAD; state: MAHARASHTRA; district: Kolhapur; landmark: NEAR DHARANGATTI ROAD; full_address: GAT NO 349/48, PLOT NO 48, RUKMINI PARADISE, MOUJE DHARANGUTTI, NEAR DHARANGATTI ROAD, Kolhapur,
insurance premium
52000
52000
final amount label
Total Loan Amount
Total Loan Amount
includes insurance
True
True
total with insurance
1652000
1652000
security address verbatim
GAT NO 349/48, PLOT NO 48, RUKMINI PARADISE, MOUJE DHARANGUTTI, NEAR DHARANGATTI ROAD, Kolhapur, MAHARASHTRA, India416102
GAT NO 349/48, PLOT NO 48, RUKMINI PARADISE, MOUJE DHARANGUTTI, NEAR DHARANGATTI ROAD, Kolhapur, MAHARASHTRA, India416102
applicant address verbatim
S.R.NO. 60/1,PL NO. 9A,, FLAT NO.301, JAY SHANKAR RECIDENCY,, AMBEGAON KH PUNE, Pune, MAHARASHTRA, 411046, Pune, India
S.R.NO. 60/1,PL NO. 9A,, FLAT NO.301, JAY SHANKAR RECIDENCY,, AMBEGAON KH PUNE, Pune, MAHARASHTRA, 411046, Pune, India
raw reading (for Abhijit)
{'lan': 'HOU/KOP/0926/5224827', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'ARUNA TEJESH KARADAGE', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'TEJESH SURESH KARADAGE', 'role': 'co_applicant', 'label': None}], 'loan_type': 'Housing Loan, Housing', 'confidence': 1, 'rate_words': '13.15% per annum\n13.15% -4.40% = 8.75% per annum as on the date of execution of the loan agreement', 'handwritten': [], 'linked_refs': [], 'loan_amount': 1600000, 'rate_spread': -4.4, 'final_amount': 1652000, 'interest_rate': 8.75, 'quality_issue': None, 'sanction_date': '22-Sep-2026', 'letter_version': '4', 'reference_rate': 13.15, 'applicant_email': 'shreevishwasakhiayurved@gmail.com', 'applicant_names': ['ARUNA TEJESH KARADAGE', 'TEJESH SURESH KARADAGE'], 'printed_altered': False, 'applicant_mobile': '9175718588', 'balance_transfer': False, 'property_address': {'pin': '416102', 'road': 'DHARANGATTI ROAD', 'state': 'MAHARASHTRA', 'taluka': None, 'flat_no': None, 'district': 'Kolhapur', 'floor_no': None, 'landmark': 'NEAR DHARANGATTI ROAD', 'full_address': 'GAT NO 349/48, PLOT NO 48, RUKMINI PARADISE, MOUJE DHARANGUTTI, NEAR DHARANGATTI ROAD, Kolhapur, MAHARASHTRA, India416102', 'village_city': 'DHARANGUTTI', 'building_name': 'RUKMINI PARADISE', 'survey_or_cts_no': 'GAT NO 349/48, PLOT NO 48'}, 'insurance_premium': 52000, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 1652000, 'security_address_verbatim': 'GAT NO 349/48, PLOT NO 48, RUKMINI PARADISE, MOUJE DHARANGUTTI, NEAR DHARANGATTI ROAD, Kolhapur, MAHARASHTRA, India416102', 'applicant_address_verbatim': 'S.R.NO. 60/1,PL NO. 9A,, FLAT NO.301, JAY SHANKAR RECIDENCY,, AMBEGAON KH PUNE, Pune, MAHARASHTRA, 411046, Pune, India'}Sanction letter CamScanner 09-30-2026 20.47.29.pdf needs your check
dob
1987-05-11
1987-05-11
pan
BLCPB1429G
BLCPB1429G
name
KARADAGE ARUNA TEJESH
KARADAGE ARUNA TEJESH
legible
True
True
father name
GHANSHYAM NILKANTH BIDKAR
GHANSHYAM NILKANTH BIDKAR
raw reading (for Abhijit)
{'dob': '1987-05-11', 'pan': 'BLCPB1429G', 'name': 'KARADAGE ARUNA TEJESH', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'GHANSHYAM NILKANTH BIDKAR', 'aadhaar_last4': None, 'quality_issue': None}Sanction letter CamScanner 09-30-2026 20.47.29.pdf needs your check
dob
1987-05-11
1987-05-11
name
ARUNA TEJESH KARADAGE
ARUNA TEJESH KARADAGE
mobile
9175718588
9175718588
address
pin: 416104; flat: 00; road: bubnal; state: Maharashtra; building: basti chouk; district: Kolhapur; post_office: Bubnal; village_city: Bubnal
pin: 416104; flat: 00; road: bubnal; state: Maharashtra; building: basti chouk; district: Kolhapur; post_office: Bubnal; village_city: Bubnal
legible
True
True
aadhaar last4
6551
6551
raw reading (for Abhijit)
{'dob': '1987-05-11', 'pan': None, 'name': 'ARUNA TEJESH KARADAGE', 'mobile': '9175718588', 'address': {'pin': '416104', 'area': None, 'flat': '00', 'road': 'bubnal', 'floor': None, 'state': 'Maharashtra', 'building': 'basti chouk', 'district': 'Kolhapur', 'post_office': 'Bubnal', 'village_city': 'Bubnal'}, 'legible': True, 'father_name': None, 'aadhaar_last4': '6551', 'quality_issue': None}Sanction letter CamScanner 09-30-2026 20.47.29.pdf needs your check
payments inside
payments: [{'utr': '627358962741', 'date': '2026-09-30', 'page': 3, 'time': '17:56', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 15020.0, 'direction': 'credit', 'narration': 'To: THINKBIGZ INITIATIVE PVT LTD ....3
payments: [{'utr': '627358962741', 'date': '2026-09-30', 'page': 3, 'time': '17:56', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 15020.0, 'direction': 'credit', 'narration': 'To: THINKBIGZ INITIATIVE PVT LTD ....3
raw reading (for Abhijit)
{'payments_inside': {'payments': [{'utr': '627358962741', 'date': '2026-09-30', 'page': 3, 'time': '17:56', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 15020.0, 'direction': 'credit', 'narration': 'To: THINKBIGZ INITIATIVE PVT LTD ....3164 From: ARUNA TEJESH KARADAGE (Bank of India) ....rved@oksbi on Google Pay Google transaction ID CICAgPjSgLPqQg', 'proof_kind': 'success_screen'}]}}Paid challan (GRAS) KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf needs your check
grn
MH011194761202627E
MH011194761202627E
pin
416102
416102
total
13240
13240
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100100234
03006172026100100234
district
KOLHAPUR
KOLHAPUR
area city
KOLHAPUR
KOLHAPUR
payer pan
BLCXXXXXXG
BLCXXXXXXG
flat block
PLOT NO 48 RUKMINI PARADISE GAT NO 349/48 MOUJE DHARANGUTTI
PLOT NO 48 RUKMINI PARADISE GAT NO 349/48 MOUJE DHARANGUTTI
payer name
KARADAGE ARUNA TEJESH
KARADAGE ARUNA TEJESH
sro office
SHL_SHIROL SUB REGISTRAR
SHL_SHIROL SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1652000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1652000
scheme rows
{'amount': 4970, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8270, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 4970, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8270, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX8588
XXXXXX8588
payment date
30/09/2026-21:22:21
30/09/2026-21:22:21
road locality
NEAR CHAITANYA LAWNS DHARANGATTI ROAD DIST KOLHAPUR
NEAR CHAITANYA LAWNS DHARANGATTI ROAD DIST KOLHAPUR
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
1652000
1652000
raw reading (for Abhijit)
{'grn': 'MH011194761202627E', 'pin': '416102', 'total': 13240, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100100234', 'district': 'KOLHAPUR', 'area_city': 'KOLHAPUR', 'payer_pan': 'BLCXXXXXXG', 'flat_block': 'PLOT NO 48 RUKMINI PARADISE GAT NO 349/48 MOUJE DHARANGUTTI', 'payer_name': 'KARADAGE ARUNA TEJESH', 'sro_office': 'SHL_SHIROL SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1652000', 'scheme_rows': [{'amount': 4970, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8270, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX8588', 'payment_date': '30/09/2026-21:22:21', 'road_locality': 'NEAR CHAITANYA LAWNS DHARANGATTI ROAD DIST KOLHAPUR', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1652000'}Paid challan (GRAS) KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf needs your check
grn
MH011194761202627E
MH011194761202627E
pin
416102
416102
total
13240
13240
article
6(1)
6(1)
defaced
False
False
bank cin
03006172026100100234
03006172026100100234
district
KOLHAPUR
KOLHAPUR
area city
KOLHAPUR
KOLHAPUR
payer pan
BLCXXXXXXG
BLCXXXXXXG
flat block
PLOT NO 48 RUKMINI PARADISE GAT NO 349/48 MOUJE DHARANGUTTI
PLOT NO 48 RUKMINI PARADISE GAT NO 349/48 MOUJE DHARANGUTTI
payer name
KARADAGE ARUNA TEJESH
KARADAGE ARUNA TEJESH
sro office
SHL_SHIROL SUB REGISTRAR
SHL_SHIROL SUB REGISTRAR
paying bank
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK
remarks raw
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1652000
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1652000
scheme rows
{'amount': 4970, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8270, 'head_code': '0030063301', 'description': 'Registration Fee'}
{'amount': 4970, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8270, 'head_code': '0030063301', 'description': 'Registration Fee'}
payer mobile
XXXXXX8588
XXXXXX8588
payment date
30/09/2026-21:22:21
30/09/2026-21:22:21
road locality
NEAR CHAITANYA LAWNS DHARANGATTI ROAD DIST KOLHAPUR
NEAR CHAITANYA LAWNS DHARANGATTI ROAD DIST KOLHAPUR
second party pan
AAACP3682N
AAACP3682N
second party name
PNB HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD
consideration amount
1652000
1652000
raw reading (for Abhijit)
{'grn': 'MH011194761202627E', 'pin': '416102', 'total': 13240, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026100100234', 'district': 'KOLHAPUR', 'area_city': 'KOLHAPUR', 'payer_pan': 'BLCXXXXXXG', 'flat_block': 'PLOT NO 48 RUKMINI PARADISE GAT NO 349/48 MOUJE DHARANGUTTI', 'payer_name': 'KARADAGE ARUNA TEJESH', 'sro_office': 'SHL_SHIROL SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=1652000', 'scheme_rows': [{'amount': 4970, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 8270, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX8588', 'payment_date': '30/09/2026-21:22:21', 'road_locality': 'NEAR CHAITANYA LAWNS DHARANGATTI ROAD DIST KOLHAPUR', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '1652000'}Technical record (for Abhijit — safe to ignore)
| 0m ago | ezdocs:reader | reader_efiling_verdict | {'fp': 'e039851a4f063769', 'asked': True, 'findings': [{'do': 'Ask the branch for the date of mortgage from the MOTD or mortgage deed.', 'box': 'Date of Mortgage', 'why': 'The date of mortgage is missing.', 'page': 'Star |
| 1d ago | system:emails | email_shadowed:index2_chase | {'to': 'sambhaji.shelake@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/KOP/0926/5224827) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n |
| 1d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 4d ago | system:emails | email_shadowed:index2_chase | {'to': 'sambhaji.shelake@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/KOP/0926/5224827) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n |
| 4d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 7d ago | system:emails | email_shadowed:index2_chase | {'to': 'sambhaji.shelake@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/KOP/0926/5224827) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n |
| 7d ago | system:emails | draft_withdrawn | {'why': 'a fresher index2 chase replaces it — the words changed', 'count': 1, 'kinds': ['index2_chase']} |
| 10d ago | system:emails | email_shadowed:index2_chase | {'to': 'sambhaji.shelake@phfl.com', 'body': "Dear Team,\n\nThe GRAS challan for the captioned case (LAN: HOU/KOP/0926/5224827) is paid and the case is ready for NOI e-filing. The only thing pending from your end is:\n\n |
| 13d ago | ezdocs:reader | case_read | {'how': 'uri', 'tag': 'c569bf6dadd9fc6d', 'docs': ['CamScanner 09-30-2026 20.47.29.pdf'], 'loan': {'amount': 1652000, 'made_of': [{'paper': 'the sanction letter', 'quote': 'INR 1600000 (INR Sixteen Lakh Only)', 'amount': |
| 13d ago | ezdocs:reader | case_read_started | {'tag': 'c569bf6dadd9fc6d', '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': ['documents', 'fee_paid', 'challan', 'challan_sha |
| 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 BLxxxxxxXG — 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': '394131', 'lessons': [{'box': 'Stamp duty', 'words': 'Stamp duty: the team typ |
| 13d ago | system:extract | document_reread | {'now': ['challan'], 'was': ['challan'], 'why': 'read again from the start — a bundle must give up EVERYTHING inside it (Rathod, 1 Sep)', 'file': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'doc_id': 'cba4970 |
| 13d ago | system:ingest | two_stamp_duty_challans | {'why': 'the IGR banking portal accepts ONE challan carrying both 0.3% and 0.5%, or one 0.3% for the WHOLE amount plus a separate 0.5% — two different 0.3% challans cannot be added. On a BT + top-up the 0.3% must be ONE |
| 13d ago | system:extract | challan_verified_against_case | {'grn': 'MH011194761202627E', 'file': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 13d ago | system:extract | challan_extracted | {'grn': 'MH011194761202627E', 'file': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 13240} |
| 13d ago | system:learn | reading_error456 | {'box': 'Stamp duty', 'why': 'the team typed what this paper prints; this desk typed what no paper prints — this desk read the paper wrong; read again', 'file': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'ou |
| 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': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'kind' |
| 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': 'KARADAGE ARUNA TEJE |
| 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': 'SHL_SHIROL SUB REGISTRAR', 'district': 'KOLHAPUR'} |
| 13d ago | system:extract | challan_verified_against_case | {'grn': 'MH011194761202627E', 'file': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 13d ago | system:extract | challan_extracted | {'grn': 'MH011194761202627E', 'file': 'KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 13240} |
| 13d ago | copilot: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': |
| 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 2', 'why': "The base paper does not pr |
| 13d ago | copilot | copilot_pick | {'why': "the portal spells it 'SHIROLA'", 'field': 'Taluka', 'value': '2612-SHIROLA', 'method': 'spelling', 'picked': 'SHIROLA', 'wanted': 'SHIROL', 'why_audit': "EzDocs chose from the portal's own list; below full confi |
| 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': 'CamScanner 09-30-2026 20.47.29.pdf', 'paper': 'the sanction letter', 'not_on_paper': ['CHAI |
| 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': '394100', 'lessons': [{'box': 'Office', 'words': 'Office: the team typed SHL_S |
| 13d ago | copilot: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': |
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
₹15,241 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
Today · 14 Oct1 thing
reader efiling verdict — by ezdocs:reader
12 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
An old draft withdrew itself — its asks were already answered
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
An old draft withdrew itself — its asks were already answered
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
An old draft withdrew itself — its asks were already answered
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
1 Oct2 things — 2 steps
case read — by ezdocs:reader
case read started — by ezdocs:reader
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
A file was read again from the start — everything inside it now counts
TWO 0.3% challans on this case — the portal takes only one; the 0.3% must be a single challan for the whole amount
Challan re-read against the case — matches exactly
challan extracted
reading error456
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
KARADAGE ARUNA TEJESH EchallanMH011194761202627E.pdf
copilot edit — by copilot:SANDEEP
copilot check issues — by copilot
copilot pick — by copilot
reading boxes not the papers words — by copilot
copilot edit — by copilot:SANDEEP
copilot check issues — by copilot
copilot pick — by copilot
copilot pick — by copilot
reading boxes not the papers words — by copilot
EzDocs read the whole trail as one conversation — where the case stands is on the page
quoted history checked
extra challan scanned
case read — by ezdocs:reader
The home address was read off the papers — by ezdocs:reader
property self check
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
KINDLY PROCESSNOI CHALLAN 0.3 AND 0.5: ARUNA TEJESH KARADAGE: HOU/KOP/0926/5224827
An old draft withdrew itself — its asks were already answered
An old draft withdrew itself — its asks were already answered
boxes gathered
challan boxes composed
EzDocs read the whole trail as one conversation — where the case stands is on the page
The file seems to show a payment to us but no row could be read — open it
The PAN and the Aadhaar name the same person — checked by the engine, no need to compare by hand
kyc address read
money settled — by ezdocs:reader
roles from letter
case read started — by ezdocs:reader
applicant email captured
Property address read from the sanction letter
Received: Sanction letter
CamScanner 09-30-2026 20.47.29.pdf
Wrote the document chase mail — held, silent mode
NOI case NOI-2026-03062
Wrote the fee quote mail — held, silent mode
NOI case NOI-2026-03062
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 branch's own fee working disagrees with the law
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.
rendered in 3.95 s · 245 queries · this page refreshes by itself when something on it changes (never while you type) · release v516 · build 20ef911f