FINERACT-2178: Ability to retrieve a loan's balance at a certain point in time in the past

fineract-client/src/main/java/org/apache/fineract/client/util/FineractClient.java

@@ -93,6 +93,7 @@ import org.apache.fineract.client.services.LoanProductsApi;
 import org.apache.fineract.client.services.LoanReschedulingApi;
 import org.apache.fineract.client.services.LoanTransactionsApi;
 import org.apache.fineract.client.services.LoansApi;
+import org.apache.fineract.client.services.LoansPointInTimeApi;
 import org.apache.fineract.client.services.MakerCheckerOr4EyeFunctionalityApi;
 import org.apache.fineract.client.services.MappingFinancialActivitiesToAccountsApi;
 import org.apache.fineract.client.services.MixMappingApi;
@@ -229,6 +230,7 @@ public final class FineractClient {
     public final LoanCollateralApi loanCollaterals;
     public final LoanProductsApi loanProducts;
     public final LoanReschedulingApi loanSchedules;
+    public final LoansPointInTimeApi loansPointInTimeApi;
     public final LoansApi loans;
     public final LoanDisbursementDetailsApi loanDisbursementDetails;
     public final LoanTransactionsApi loanTransactions;
@@ -355,6 +357,7 @@ public final class FineractClient {
         loanCollaterals = retrofit.create(LoanCollateralApi.class);
         loanProducts = retrofit.create(LoanProductsApi.class);
         loanSchedules = retrofit.create(LoanReschedulingApi.class);
+        loansPointInTimeApi = retrofit.create(LoansPointInTimeApi.class);
         loans = retrofit.create(LoansApi.class);
         loanDisbursementDetails = retrofit.create(LoanDisbursementDetailsApi.class);
         loanTransactions = retrofit.create(LoanTransactionsApi.class);

fineract-core/src/main/java/org/apache/fineract/infrastructure/core/data/DataValidatorBuilder.java

@@ -30,6 +30,7 @@ import java.util.regex.Matcher;
 import java.util.regex.Pattern;
 import net.fortuna.ical4j.model.property.RRule;
 import net.fortuna.ical4j.validate.ValidationException;
+import org.apache.commons.collections4.CollectionUtils;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
@@ -616,6 +617,21 @@ public class DataValidatorBuilder {
         return this;
     }
 
+    public DataValidatorBuilder listNotEmpty() {
+        if (this.value == null && this.ignoreNullValue) {
+            return this;
+        }
+
+        final List<Object> list = (List<Object>) this.value;
+        if (CollectionUtils.isEmpty(list)) {
+            String validationErrorCode = "validation.msg." + this.resource + "." + this.parameter + ".cannot.be.empty";
+            String defaultEnglishMessage = "The parameter `" + this.parameter + "` cannot be empty. You must select at least one.";
+            final ApiParameterError error = ApiParameterError.parameterError(validationErrorCode, defaultEnglishMessage, this.parameter);
+            this.dataValidationErrors.add(error);
+        }
+        return this;
+    }
+
     public DataValidatorBuilder jsonArrayNotEmpty() {
         if (this.value == null && this.ignoreNullValue) {
             return this;

fineract-core/src/main/java/org/apache/fineract/infrastructure/core/service/ExternalIdFactory.java

@@ -18,6 +18,8 @@
  */
 package org.apache.fineract.infrastructure.core.service;
 
+import java.util.List;
+import java.util.Objects;
 import lombok.RequiredArgsConstructor;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
@@ -35,6 +37,11 @@ public class ExternalIdFactory {
         return StringUtils.isBlank(value) ? ExternalId.empty() : new ExternalId(value);
     }
 
+    public static List<ExternalId> produce(List<String> values) {
+        Objects.requireNonNull(values, "values must not be null");
+        return values.stream().map(ExternalIdFactory::produce).toList();
+    }
+
     public ExternalId createFromCommand(JsonCommand command, final String externalIdKey) {
         String externalIdStr = null;
         if (command.parsedJson() != null) {

fineract-core/src/main/java/org/apache/fineract/organisation/monetary/data/CurrencyData.java

@@ -21,6 +21,8 @@ package org.apache.fineract.organisation.monetary.data;
 import java.io.Serializable;
 import lombok.EqualsAndHashCode;
 import lombok.Getter;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
 
 /**
  * Immutable data object representing currency.
@@ -87,4 +89,12 @@ public class CurrencyData implements Serializable {
 
         return builder.toString();
     }
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        default CurrencyData map(MonetaryCurrency source) {
+            return source.toData();
+        }
+    }
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanStatusEnumData.java

@@ -19,6 +19,9 @@
 package org.apache.fineract.portfolio.loanaccount.data;
 
 import lombok.Getter;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanproduct.service.LoanEnumerations;
 
 /**
  * Immutable data object represent loan status enumerations.
@@ -51,4 +54,12 @@ public class LoanStatusEnumData {
         this.closed = this.closedObligationsMet || this.closedWrittenOff || this.closedRescheduled;
         this.overpaid = Long.valueOf(700).equals(this.id);
     }
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        default LoanStatusEnumData map(Loan source) {
+            return LoanEnumerations.status(source.getPlainStatus());
+        }
+    }
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java

@@ -2693,11 +2693,15 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return changedTransactionDetail;
     }
 
+    /*
+     * Probably this is buggy when a chargeback transaction happens
+     */
     public void processPostDisbursementTransactions() {
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor();
         final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retrieveListOfTransactionsForReprocessing();
         final List<LoanTransaction> copyTransactions = new ArrayList<>();
         if (!allNonContraTransactionsPostDisbursement.isEmpty()) {
+            // TODO: Probably this is not needed and can be eliminated, make sure to double check it
             for (LoanTransaction loanTransaction : allNonContraTransactionsPostDisbursement) {
                 copyTransactions.add(LoanTransaction.copyTransactionProperties(loanTransaction));
             }
@@ -3507,6 +3511,10 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return Optional.ofNullable(this.charges).orElse(new HashSet<>());
     }
 
+    public void removeCharges(Predicate<LoanCharge> predicate) {
+        charges.removeIf(predicate);
+    }
+
     public boolean hasDelinquencyBucket() {
         return (getLoanProduct().getDelinquencyBucket() != null);
     }
@@ -3537,6 +3545,10 @@ public class Loan extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return getLoanTransactions().stream().filter(predicate).findFirst().orElse(null);
     }
 
+    public void removeLoanTransactions(Predicate<LoanTransaction> predicate) {
+        loanTransactions.removeIf(predicate);
+    }
+
     public LoanTransaction findChargedOffTransaction() {
         return getLoanTransaction(e -> e.isNotReversed() && e.isChargeOff());
     }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanRepository.java

@@ -85,6 +85,8 @@ public interface LoanRepository extends JpaRepository<Loan, Long>, JpaSpecificat
 
     String FIND_ID_BY_EXTERNAL_ID = "SELECT loan.id FROM Loan loan WHERE loan.externalId = :externalId";
 
+    String FIND_IDS_BY_EXTERNAL_IDS = "SELECT loan.id FROM Loan loan WHERE loan.externalId IN :externalIds ORDER BY loan.id ASC";
+
     // should follow the logic of `FIND_ALL_NON_CLOSED_LOANS_BY_LAST_CLOSED_BUSINESS_DATE` query
     String FIND_OLDEST_COB_PROCESSED_LOAN = "select loan.id, loan.lastClosedBusinessDate from Loan loan where loan.loanStatus in (100,200,300,303,304) and loan.lastClosedBusinessDate = (select min(l.lastClosedBusinessDate) from Loan l where l"
             + ".loanStatus in (100,200,300,303,304) and l.lastClosedBusinessDate < :cobBusinessDate)";
@@ -217,6 +219,9 @@ public interface LoanRepository extends JpaRepository<Loan, Long>, JpaSpecificat
     @Query(FIND_ID_BY_EXTERNAL_ID)
     Long findIdByExternalId(@Param("externalId") ExternalId externalId);
 
+    @Query(FIND_IDS_BY_EXTERNAL_IDS)
+    List<Long> findIdsByExternalIds(@Param("externalIds") List<ExternalId> externalIds);
+
     @Query(FIND_ALL_NON_CLOSED_LOANS_BEHIND_BY_LOAN_IDS)
     List<LoanIdAndLastClosedBusinessDate> findAllNonClosedLoansBehindByLoanIds(@Param("cobBusinessDate") LocalDate cobBusinessDate,
             @Param("loanIds") List<Long> loanIds);

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/LoanRepositoryWrapper.java

@@ -285,4 +285,7 @@ public class LoanRepositoryWrapper {
         return repository.findLoansForAddAccrual(accountingType, tillDate, futureCharges);
     }
 
+    public List<Long> findIdByExternalIds(List<ExternalId> externalIds) {
+        return repository.findIdsByExternalIds(externalIds);
+    }
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanScheduleService.java

@@ -53,7 +53,7 @@ public class LoanScheduleService {
         }
     }
 
-    public void recalculateScheduleFromLastTransaction(final Loan loan, final ScheduleGeneratorDTO generatorDTO) {
+    public void recalculateSchedule(final Loan loan, final ScheduleGeneratorDTO generatorDTO) {
         if (loan.isInterestBearingAndInterestRecalculationEnabled() && !loan.isChargedOff()) {
             regenerateRepaymentScheduleWithInterestRecalculation(loan, generatorDTO);
         } else {

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/pointintime/LoansPointInTimeApi.java

@@ -0,0 +1,36 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.api.pointintime;
+
+import java.util.List;
+import org.apache.fineract.infrastructure.core.api.DateParam;
+import org.apache.fineract.portfolio.loanaccount.api.pointintime.data.RetrieveLoansPointInTimeExternalIdsRequest;
+import org.apache.fineract.portfolio.loanaccount.api.pointintime.data.RetrieveLoansPointInTimeRequest;
+import org.apache.fineract.portfolio.loanaccount.data.LoanPointInTimeData;
+
+public interface LoansPointInTimeApi {
+
+    LoanPointInTimeData retrieveLoanPointInTime(Long loanId, DateParam dateParam, String dateFormat, String locale);
+
+    LoanPointInTimeData retrieveLoanPointInTimeByExternalId(String loanExternalId, DateParam dateParam, String dateFormat, String locale);
+
+    List<LoanPointInTimeData> retrieveLoansPointInTime(RetrieveLoansPointInTimeRequest request);
+
+    List<LoanPointInTimeData> retrieveLoansPointInTimeByExternalIds(RetrieveLoansPointInTimeExternalIdsRequest request);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/pointintime/LoansPointInTimeApiDelegate.java

@@ -0,0 +1,114 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.api.pointintime;
+
+import java.time.LocalDate;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.api.DateParam;
+import org.apache.fineract.infrastructure.core.data.DateFormat;
+import org.apache.fineract.infrastructure.core.domain.ExternalId;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.loanaccount.api.pointintime.data.RetrieveLoansPointInTimeExternalIdsRequest;
+import org.apache.fineract.portfolio.loanaccount.api.pointintime.data.RetrieveLoansPointInTimeRequest;
+import org.apache.fineract.portfolio.loanaccount.data.LoanPointInTimeData;
+import org.apache.fineract.portfolio.loanaccount.exception.LoanNotFoundException;
+import org.apache.fineract.portfolio.loanaccount.service.LoanPointInTimeService;
+import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Component
+@RequiredArgsConstructor
+public class LoansPointInTimeApiDelegate implements LoansPointInTimeApi {
+
+    private static final String RESOURCE_NAME_FOR_PERMISSIONS = "LOAN";
+
+    private final LoanPointInTimeService loanPointInTimeService;
+    private final LoanReadPlatformService loanReadPlatformService;
+    private final PlatformSecurityContext context;
+
+    @Override
+    public LoanPointInTimeData retrieveLoanPointInTime(Long loanId, DateParam dateParam, String dateFormat, String locale) {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        return getLoanPointInTime(loanId, dateParam, dateFormat, locale);
+    }
+
+    @Override
+    public LoanPointInTimeData retrieveLoanPointInTimeByExternalId(String loanExternalIdStr, DateParam dateParam, String dateFormat,
+            String locale) {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        ExternalId loanExternalId = ExternalIdFactory.produce(loanExternalIdStr);
+        Long loanId = resolveExternalId(loanExternalId);
+
+        return getLoanPointInTime(loanId, dateParam, dateFormat, locale);
+    }
+
+    @Override
+    public List<LoanPointInTimeData> retrieveLoansPointInTime(RetrieveLoansPointInTimeRequest request) {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        List<Long> loanIds = request.getLoanIds();
+        DateParam dateParam = request.getDate();
+        String dateFormat = request.getDateFormat();
+        String locale = request.getLocale();
+
+        return getLoansPointInTime(loanIds, dateParam, dateFormat, locale);
+    }
+
+    @Override
+    public List<LoanPointInTimeData> retrieveLoansPointInTimeByExternalIds(RetrieveLoansPointInTimeExternalIdsRequest request) {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        List<String> loanExternalIds = request.getExternalIds();
+        DateParam dateParam = request.getDate();
+        String dateFormat = request.getDateFormat();
+        String locale = request.getLocale();
+
+        List<ExternalId> externalIds = ExternalIdFactory.produce(loanExternalIds);
+        List<Long> loanIds = resolveExternalIds(externalIds);
+
+        return getLoansPointInTime(loanIds, dateParam, dateFormat, locale);
+    }
+
+    private List<LoanPointInTimeData> getLoansPointInTime(List<Long> loanIds, DateParam dateParam, String dateFormat, String locale) {
+        DateFormat df = StringUtils.isBlank(dateFormat) ? null : new DateFormat(dateFormat);
+        LocalDate date = dateParam.getDate("date", df, locale);
+        return loanPointInTimeService.retrieveAt(loanIds, date);
+    }
+
+    private LoanPointInTimeData getLoanPointInTime(Long loanId, DateParam dateParam, String dateFormat, String locale) {
+        DateFormat df = StringUtils.isBlank(dateFormat) ? null : new DateFormat(dateFormat);
+        LocalDate date = dateParam.getDate("date", df, locale);
+        return loanPointInTimeService.retrieveAt(loanId, date);
+    }
+
+    private List<Long> resolveExternalIds(List<ExternalId> loanExternalIds) {
+        loanExternalIds.forEach(ExternalId::throwExceptionIfEmpty);
+        return loanReadPlatformService.retrieveLoanIdsByExternalIds(loanExternalIds);
+    }
+
+    private Long resolveExternalId(ExternalId loanExternalId) {
+        loanExternalId.throwExceptionIfEmpty();
+        Long resolvedLoanId = loanReadPlatformService.retrieveLoanIdByExternalId(loanExternalId);
+        if (resolvedLoanId == null) {
+            throw new LoanNotFoundException(loanExternalId);
+        }
+        return resolvedLoanId;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/pointintime/LoansPointInTimeApiResource.java

@@ -0,0 +1,90 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.api.pointintime;
+
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.DateParam;
+import org.apache.fineract.portfolio.loanaccount.api.pointintime.data.RetrieveLoansPointInTimeExternalIdsRequest;
+import org.apache.fineract.portfolio.loanaccount.api.pointintime.data.RetrieveLoansPointInTimeRequest;
+import org.apache.fineract.portfolio.loanaccount.data.LoanPointInTimeData;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/loans/at-date")
+@Component
+@Tag(name = "LoansPointInTime", description = "API to enable clients to retrieve Loan states in a specific point in time")
+@RequiredArgsConstructor
+public class LoansPointInTimeApiResource implements LoansPointInTimeApi {
+
+    private final LoansPointInTimeApiDelegate delegate;
+
+    @GET
+    @Path("{loanId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Override
+    public LoanPointInTimeData retrieveLoanPointInTime(@PathParam("loanId") @Parameter(description = "loanId", required = true) Long loanId,
+            @QueryParam("date") @Parameter(description = "date", required = true) DateParam dateParam,
+            @QueryParam("dateFormat") @Parameter(description = "dateFormat") final String dateFormat,
+            @QueryParam("locale") @Parameter(description = "locale") final String locale) {
+        return delegate.retrieveLoanPointInTime(loanId, dateParam, dateFormat, locale);
+    }
+
+    @GET
+    @Path("external-id/{loanExternalId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Override
+    public LoanPointInTimeData retrieveLoanPointInTimeByExternalId(
+            @PathParam("loanExternalId") @Parameter(description = "loanExternalId", required = true) String loanExternalIdStr,
+            @QueryParam("date") @Parameter(description = "date", required = true) DateParam dateParam,
+            @QueryParam("dateFormat") @Parameter(description = "dateFormat") final String dateFormat,
+            @QueryParam("locale") @Parameter(description = "locale") final String locale) {
+        return delegate.retrieveLoanPointInTimeByExternalId(loanExternalIdStr, dateParam, dateFormat, locale);
+    }
+
+    @POST
+    @Path("search")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Override
+    public List<LoanPointInTimeData> retrieveLoansPointInTime(@Parameter RetrieveLoansPointInTimeRequest request) {
+        return delegate.retrieveLoansPointInTime(request);
+    }
+
+    @POST
+    @Path("search/external-id")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Override
+    public List<LoanPointInTimeData> retrieveLoansPointInTimeByExternalIds(@Parameter RetrieveLoansPointInTimeExternalIdsRequest request) {
+        return delegate.retrieveLoansPointInTimeByExternalIds(request);
+    }
+
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/pointintime/data/RetrieveLoansPointInTimeExternalIdsRequest.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.api.pointintime.data;
+
+import java.util.List;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.api.DateParam;
+
+@Data
+public class RetrieveLoansPointInTimeExternalIdsRequest {
+
+    private List<String> externalIds;
+    private DateParam date;
+    private String dateFormat;
+    private String locale;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/api/pointintime/data/RetrieveLoansPointInTimeRequest.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.api.pointintime.data;
+
+import java.util.List;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.api.DateParam;
+
+@Data
+public class RetrieveLoansPointInTimeRequest {
+
+    private List<Long> loanIds;
+    private DateParam date;
+    private String dateFormat;
+    private String locale;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanFeeData.java

@@ -0,0 +1,50 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.data;
+
+import java.math.BigDecimal;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
+import org.mapstruct.Mapping;
+
+@Data
+public class LoanFeeData {
+
+    private final BigDecimal feeChargesCharged;
+    private final BigDecimal feeAdjustments;
+    private final BigDecimal feeChargesDueAtDisbursementCharged;
+    private final BigDecimal feeChargesPaid;
+    private final BigDecimal feeChargesWaived;
+    private final BigDecimal feeChargesWrittenOff;
+    private final BigDecimal feeChargesOutstanding;
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        @Mapping(source = "totalFeeChargesCharged", target = "feeChargesCharged")
+        @Mapping(source = "totalFeeChargesDueAtDisbursement", target = "feeChargesDueAtDisbursementCharged")
+        @Mapping(source = "totalFeeAdjustments", target = "feeAdjustments")
+        @Mapping(source = "totalFeeChargesRepaid", target = "feeChargesPaid")
+        @Mapping(source = "totalFeeChargesWaived", target = "feeChargesWaived")
+        @Mapping(source = "totalFeeChargesWrittenOff", target = "feeChargesWrittenOff")
+        @Mapping(source = "totalFeeChargesOutstanding", target = "feeChargesOutstanding")
+        LoanFeeData map(LoanSummary source);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanInterestData.java

@@ -0,0 +1,46 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.data;
+
+import java.math.BigDecimal;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
+import org.mapstruct.Mapping;
+
+@Data
+public class LoanInterestData {
+
+    private final BigDecimal interestCharged;
+    private final BigDecimal interestPaid;
+    private final BigDecimal interestWaived;
+    private final BigDecimal interestWrittenOff;
+    private final BigDecimal interestOutstanding;
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        @Mapping(source = "totalInterestCharged", target = "interestCharged")
+        @Mapping(source = "totalInterestRepaid", target = "interestPaid")
+        @Mapping(source = "totalInterestWaived", target = "interestWaived")
+        @Mapping(source = "totalInterestWrittenOff", target = "interestWrittenOff")
+        @Mapping(source = "totalInterestOutstanding", target = "interestOutstanding")
+        LoanInterestData map(LoanSummary source);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanPenaltyData.java

@@ -0,0 +1,48 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.data;
+
+import java.math.BigDecimal;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
+import org.mapstruct.Mapping;
+
+@Data
+public class LoanPenaltyData {
+
+    private final BigDecimal penaltyChargesCharged;
+    private final BigDecimal penaltyAdjustments;
+    private final BigDecimal penaltyChargesPaid;
+    private final BigDecimal penaltyChargesWaived;
+    private final BigDecimal penaltyChargesWrittenOff;
+    private final BigDecimal penaltyChargesOutstanding;
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        @Mapping(source = "totalPenaltyChargesCharged", target = "penaltyChargesCharged")
+        @Mapping(source = "totalPenaltyAdjustments", target = "penaltyAdjustments")
+        @Mapping(source = "totalPenaltyChargesRepaid", target = "penaltyChargesPaid")
+        @Mapping(source = "totalPenaltyChargesWaived", target = "penaltyChargesWaived")
+        @Mapping(source = "totalPenaltyChargesWrittenOff", target = "penaltyChargesWrittenOff")
+        @Mapping(source = "totalPenaltyChargesOutstanding", target = "penaltyChargesOutstanding")
+        LoanPenaltyData map(LoanSummary source);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanPointInTimeData.java

@@ -0,0 +1,74 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.data;
+
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.mapstruct.Mapping;
+
+@Data
+public class LoanPointInTimeData {
+
+    // Loan attributes
+    private Long id;
+    private String accountNo;
+    private LoanStatusEnumData status;
+    private String externalId;
+    private CurrencyData currency;
+    private LoanPrincipalData principal;
+    private LoanInterestData interest;
+    private LoanFeeData fee;
+    private LoanPenaltyData penalty;
+    private LoanTotalAmountData total;
+
+    // Client attributes
+    private Long clientId;
+    private String clientAccountNo;
+    private String clientExternalId;
+    private String clientDisplayName;
+    private Long clientOfficeId;
+
+    // Loan product attributes
+    private Long loanProductId;
+    private String loanProductName;
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class, uses = { LoanStatusEnumData.Mapper.class, CurrencyData.Mapper.class,
+            LoanPrincipalData.Mapper.class, LoanInterestData.Mapper.class, LoanFeeData.Mapper.class, LoanPenaltyData.Mapper.class,
+            LoanTotalAmountData.Mapper.class })
+    public interface Mapper {
+
+        @Mapping(source = "accountNumber", target = "accountNo")
+        @Mapping(source = "source", target = "status")
+        @Mapping(source = "client.id", target = "clientId")
+        @Mapping(source = "client.accountNumber", target = "clientAccountNo")
+        @Mapping(source = "client.externalId", target = "clientExternalId")
+        @Mapping(source = "client.displayName", target = "clientDisplayName")
+        @Mapping(source = "client.office.id", target = "clientOfficeId")
+        @Mapping(source = "summary", target = "principal")
+        @Mapping(source = "summary", target = "interest")
+        @Mapping(source = "summary", target = "fee")
+        @Mapping(source = "summary", target = "penalty")
+        @Mapping(source = "summary", target = "total")
+        @Mapping(source = "loanProduct.id", target = "loanProductId")
+        @Mapping(source = "loanProduct.name", target = "loanProductName")
+        LoanPointInTimeData map(Loan source);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanPrincipalData.java

@@ -0,0 +1,46 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.data;
+
+import java.math.BigDecimal;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
+import org.mapstruct.Mapping;
+
+@Data
+public class LoanPrincipalData {
+
+    private final BigDecimal principalDisbursed;
+    private final BigDecimal principalAdjustments;
+    private final BigDecimal principalPaid;
+    private final BigDecimal principalWrittenOff;
+    private final BigDecimal principalOutstanding;
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        @Mapping(source = "totalPrincipalDisbursed", target = "principalDisbursed")
+        @Mapping(source = "totalPrincipalAdjustments", target = "principalAdjustments")
+        @Mapping(source = "totalPrincipalRepaid", target = "principalPaid")
+        @Mapping(source = "totalPrincipalWrittenOff", target = "principalWrittenOff")
+        @Mapping(source = "totalPrincipalOutstanding", target = "principalOutstanding")
+        LoanPrincipalData map(LoanSummary source);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanTotalAmountData.java

@@ -0,0 +1,50 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.data;
+
+import java.math.BigDecimal;
+import lombok.Data;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanSummary;
+import org.mapstruct.Mapping;
+
+@Data
+public class LoanTotalAmountData {
+
+    private final BigDecimal totalExpectedRepayment;
+    private final BigDecimal totalRepayment;
+    private final BigDecimal totalExpectedCostOfLoan;
+    private final BigDecimal totalCostOfLoan;
+    private final BigDecimal totalWaived;
+    private final BigDecimal totalWrittenOff;
+    private final BigDecimal totalOutstanding;
+
+    @org.mapstruct.Mapper(config = MapstructMapperConfig.class)
+    public interface Mapper {
+
+        @Mapping(source = "totalExpectedRepayment", target = "totalExpectedRepayment")
+        @Mapping(source = "totalRepayment", target = "totalRepayment")
+        @Mapping(source = "totalExpectedCostOfLoan", target = "totalExpectedCostOfLoan")
+        @Mapping(source = "totalCostOfLoan", target = "totalCostOfLoan")
+        @Mapping(source = "totalWaived", target = "totalWaived")
+        @Mapping(source = "totalWrittenOff", target = "totalWrittenOff")
+        @Mapping(source = "totalOutstanding", target = "totalOutstanding")
+        LoanTotalAmountData map(LoanSummary source);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanPointInTimeService.java

@@ -0,0 +1,30 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.time.LocalDate;
+import java.util.List;
+import org.apache.fineract.portfolio.loanaccount.data.LoanPointInTimeData;
+
+public interface LoanPointInTimeService {
+
+    LoanPointInTimeData retrieveAt(Long loanId, LocalDate date);
+
+    List<LoanPointInTimeData> retrieveAt(List<Long> loanIds, LocalDate date);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanPointInTimeServiceImpl.java

@@ -0,0 +1,109 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.service;
+
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.core.service.ThreadLocalContextUtil;
+import org.apache.fineract.portfolio.loanaccount.data.LoanPointInTimeData;
+import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class LoanPointInTimeServiceImpl implements LoanPointInTimeService {
+
+    private final LoanUtilService loanUtilService;
+    private final LoanScheduleService loanScheduleService;
+    private final LoanAssembler loanAssembler;
+    private final LoanPointInTimeData.Mapper dataMapper;
+
+    @Override
+    public LoanPointInTimeData retrieveAt(Long loanId, LocalDate date) {
+        validateSingularRetrieval(loanId, date);
+
+        // Note: since everything is running in a readOnly transaction
+        // whatever we modify on the loan is not going to be propagated to the DB
+        // Note2: Interest is always calculated against the current date of the system so we need to roll time back
+        HashMap<BusinessDateType, LocalDate> originalBDs = ThreadLocalContextUtil.getBusinessDates();
+        try {
+            ThreadLocalContextUtil.setBusinessDates(new HashMap<>(Map.of(BusinessDateType.BUSINESS_DATE, date)));
+
+            Loan loan = loanAssembler.assembleFrom(loanId);
+            removeAfterDateTransactions(loan, date);
+            removeAfterDateCharges(loan, date);
+
+            ScheduleGeneratorDTO scheduleGeneratorDTO = loanUtilService.buildScheduleGeneratorDTO(loan, null, null);
+            loanScheduleService.recalculateSchedule(loan, scheduleGeneratorDTO);
+
+            return dataMapper.map(loan);
+        } finally {
+            ThreadLocalContextUtil.setBusinessDates(originalBDs);
+        }
+    }
+
+    private void removeAfterDateCharges(Loan loan, LocalDate date) {
+        loan.removeCharges(c -> DateUtils.isAfter(c.getEffectiveDueDate(), date));
+    }
+
+    private void removeAfterDateTransactions(Loan loan, LocalDate date) {
+        loan.removeLoanTransactions(tx -> DateUtils.isAfter(tx.getTransactionDate(), date));
+    }
+
+    private void validateSingularRetrieval(Long loanId, LocalDate date) {
+        List<ApiParameterError> dataValidationErrors = new ArrayList<>();
+        DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan");
+        baseDataValidator.reset().parameter("loanId").value(loanId).notNull();
+        baseDataValidator.reset().parameter("date").value(date).notNull().notBlank();
+        throwExceptionIfValidationWarningsExist(dataValidationErrors);
+    }
+
+    @Override
+    public List<LoanPointInTimeData> retrieveAt(List<Long> loanIds, LocalDate date) {
+        validateBulkRetrieval(loanIds, date);
+        return loanIds.stream().map(loanId -> retrieveAt(loanId, date)).toList();
+    }
+
+    private void validateBulkRetrieval(List<Long> loanIds, LocalDate date) {
+        List<ApiParameterError> dataValidationErrors = new ArrayList<>();
+        DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan");
+        baseDataValidator.reset().parameter("loanIds").value(loanIds).notNull().listNotEmpty();
+        baseDataValidator.reset().parameter("date").value(date).notNull().notBlank();
+        throwExceptionIfValidationWarningsExist(dataValidationErrors);
+    }
+
+    private void throwExceptionIfValidationWarningsExist(List<ApiParameterError> dataValidationErrors) {
+        if (!dataValidationErrors.isEmpty()) {
+            throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.",
+                    dataValidationErrors);
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanReadPlatformService.java

@@ -141,4 +141,6 @@ public interface LoanReadPlatformService {
     Long retrieveLoanTransactionIdByExternalId(ExternalId externalId);
 
     Long retrieveLoanIdByExternalId(ExternalId externalId);
+
+    List<Long> retrieveLoanIdsByExternalIds(List<ExternalId> externalIds);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanReadPlatformServiceImpl.java

@@ -2172,4 +2172,9 @@ public class LoanReadPlatformServiceImpl implements LoanReadPlatformService, Loa
         return loanRepositoryWrapper.findIdByExternalId(externalId);
     }
 
+    @Override
+    public List<Long> retrieveLoanIdsByExternalIds(List<ExternalId> externalIds) {
+        return loanRepositoryWrapper.findIdByExternalIds(externalIds);
+    }
+
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java

@@ -3816,7 +3816,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                                 && DateUtils.isEqual(loanTermVariations.getTermApplicableFrom(), lastTransactionDate))
                         || DateUtils.isAfter(loanTermVariations.getTermApplicableFrom(), lastTransactionDate));
         reverseExistingTransactionsTillLastDisbursal(loan, lastDisbursalTransaction);
-        loanScheduleService.recalculateScheduleFromLastTransaction(loan, scheduleGeneratorDTO);
+        loanScheduleService.recalculateSchedule(loan, scheduleGeneratorDTO);
         actualChanges.put("undolastdisbursal", "true");
         actualChanges.put("disbursedAmount", loan.getDisbursedAmount());
         loan.updateLoanSummaryDerivedFields();

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/serialization/LoanProductDataValidator.java

@@ -1088,7 +1088,8 @@ public final class LoanProductDataValidator {
                     && !LoanRescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD.equals(loanRescheduleStrategyMethod)) {
                 baseDataValidator.reset().parameter(LoanProductConstants.rescheduleStrategyMethodParameterName).failWithCode(
                         "reschedule.strategy.method.not.supported.for.loan.schedule.type.progressive",
-                        loanScheduleType.toString() + " reschedule strategy type is not supported for Progressive loan schedule type");
+                        loanRescheduleStrategyMethod.toString()
+                                + " reschedule strategy type is not supported for Progressive loan schedule type");
             }
         }
 

integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java

@@ -67,6 +67,7 @@ import org.apache.fineract.client.models.GetLoansLoanIdStatus;
 import org.apache.fineract.client.models.GetLoansLoanIdTransactions;
 import org.apache.fineract.client.models.GetLoansLoanIdTransactionsTemplateResponse;
 import org.apache.fineract.client.models.JournalEntryTransactionItem;
+import org.apache.fineract.client.models.LoanPointInTimeData;
 import org.apache.fineract.client.models.PaymentAllocationOrder;
 import org.apache.fineract.client.models.PostChargesResponse;
 import org.apache.fineract.client.models.PostLoanProductsRequest;
@@ -80,7 +81,9 @@ import org.apache.fineract.client.models.PostLoansRequest;
 import org.apache.fineract.client.models.PostLoansResponse;
 import org.apache.fineract.client.models.PutGlobalConfigurationsRequest;
 import org.apache.fineract.client.models.PutLoansLoanIdResponse;
+import org.apache.fineract.client.models.RetrieveLoansPointInTimeRequest;
 import org.apache.fineract.client.util.CallFailedRuntimeException;
+import org.apache.fineract.client.util.Calls;
 import org.apache.fineract.infrastructure.configuration.api.GlobalConfigurationConstants;
 import org.apache.fineract.integrationtests.client.IntegrationTest;
 import org.apache.fineract.integrationtests.common.BatchHelper;
@@ -706,6 +709,26 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
         loanTransactionHelper.undoLastDisbursalLoan(loanId, new PostLoansLoanIdRequest());
     }
 
+    protected LoanPointInTimeData getPointInTimeData(Long loanId, String date) {
+        return Calls.ok(fineractClient().loansPointInTimeApi.retrieveLoanPointInTime(loanId, date, DATETIME_PATTERN, "en"));
+    }
+
+    protected List<LoanPointInTimeData> getPointInTimeData(List<Long> loanIds, String date) {
+        RetrieveLoansPointInTimeRequest request = new RetrieveLoansPointInTimeRequest().loanIds(loanIds).date(date)
+                .dateFormat(DATETIME_PATTERN).locale("en");
+        return Calls.ok(fineractClient().loansPointInTimeApi.retrieveLoansPointInTime(request));
+    }
+
+    protected void verifyOutstanding(LoanPointInTimeData loan, OutstandingAmounts outstanding) {
+        assertThat(BigDecimal.valueOf(outstanding.principalOutstanding))
+                .isEqualByComparingTo(loan.getPrincipal().getPrincipalOutstanding());
+        assertThat(BigDecimal.valueOf(outstanding.interestOutstanding)).isEqualByComparingTo(loan.getInterest().getInterestOutstanding());
+        assertThat(BigDecimal.valueOf(outstanding.feeOutstanding)).isEqualByComparingTo(loan.getFee().getFeeChargesOutstanding());
+        assertThat(BigDecimal.valueOf(outstanding.penaltyOutstanding))
+                .isEqualByComparingTo(loan.getPenalty().getPenaltyChargesOutstanding());
+        assertThat(BigDecimal.valueOf(outstanding.totalOutstanding)).isEqualByComparingTo(loan.getTotal().getTotalOutstanding());
+    }
+
     // Note: this is buggy because if multiple journal entries are for the same account, amount and type, the
     // verification will pass
     // not all journal entries have been validated - since there might be duplicates
@@ -1158,8 +1181,8 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
                 loanBalance);
     }
 
-    protected OutstandingAmounts outstanding(double principal, double fee, double penalty, double total) {
+    protected OutstandingAmounts outstanding(double principal, double interestOutstanding, double fee, double penalty, double total) {
-        return new OutstandingAmounts(principal, fee, penalty, total);
+        return new OutstandingAmounts(principal, interestOutstanding, fee, penalty, total);
     }
 
     protected BatchRequestBuilder batchRequest() {
@@ -1321,6 +1344,7 @@ public abstract class BaseLoanIntegrationTest extends IntegrationTest {
     public static class OutstandingAmounts {
 
         Double principalOutstanding;
+        Double interestOutstanding;
         Double feeOutstanding;
         Double penaltyOutstanding;
         Double totalOutstanding;

integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargebackWithCreditAllocationsIntegrationTests.java

@@ -597,7 +597,7 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
                     installment(312.0, 0, 0, 0, 0, true, "01 March 2023"), //
                     installment(312.0, 0, 0, 0, 0, true, "01 April 2023"), //
                     installment(314.0, 0, 0, 0, 0, true, "01 May 2023"), //
-                    installment(100.0, 0, 0, 0, outstanding(50.0, 0d, 0d, 50.0), false, "02 May 2023") //
+                    installment(100.0, 0, 0, 0, outstanding(50.0, 0.0, 0d, 0d, 50.0), false, "02 May 2023") //
             );
         });
     }
@@ -659,7 +659,7 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
             // DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
             verifyRepaymentSchedule(loanId, //
                     installment(1250.0, null, "01 January 2023"), //
-                    installment(342.0, 0, 100, 40, outstanding(30.0, 20.0, 0.0, 50.0), false, "01 February 2023"), //
+                    installment(342.0, 0, 100, 40, outstanding(30.0, 0.0, 20.0, 0.0, 50.0), false, "01 February 2023"), //
                     installment(312.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(312.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                     installment(314.0, 0, 0, 0, 0.0, true, "01 May 2023") //
@@ -726,7 +726,7 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
             // DEFAULT payment allocation is ..., DUE_PRINCIPAL, DUE_FEE, DUE_PENALTY ...
             verifyRepaymentSchedule(loanId, //
                     installment(1250.0, null, "01 January 2023"), //
-                    installment(342.0, 0, 100, 40, outstanding(0.0, 30.0, 20.0, 50.0), false, "01 February 2023"), //
+                    installment(342.0, 0, 100, 40, outstanding(0.0, 0.0, 30.0, 20.0, 50.0), false, "01 February 2023"), //
                     installment(312.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(312.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
                     installment(314.0, 0, 0, 0, 0.0, true, "01 May 2023") //

integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/pointintime/LoanPointInTimeTest.java

@@ -0,0 +1,659 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.integrationtests.loan.pointintime;
+
+import static org.apache.fineract.integrationtests.BaseLoanIntegrationTest.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION_STRATEGY;
+
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.concurrent.atomic.AtomicReference;
+import org.apache.fineract.client.models.ChargeData;
+import org.apache.fineract.client.models.LoanPointInTimeData;
+import org.apache.fineract.client.models.PostLoanProductsRequest;
+import org.apache.fineract.client.models.PostLoanProductsResponse;
+import org.apache.fineract.client.models.PostLoansLoanIdResponse;
+import org.apache.fineract.client.models.PostLoansRequest;
+import org.apache.fineract.client.models.PostLoansRequestChargeData;
+import org.apache.fineract.client.models.PostLoansResponse;
+import org.apache.fineract.integrationtests.BaseLoanIntegrationTest;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.junit.jupiter.api.Test;
+
+public class LoanPointInTimeTest extends BaseLoanIntegrationTest {
+
+    @Test
+    public void test_LoanPointInTimeDataWorks_ForPrincipalOutstandingCalculation() {
+        AtomicReference<Long> aLoanId = new AtomicReference<>();
+
+        runAt("01 January 2023", () -> {
+            // Create Client
+            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+            int numberOfRepayments = 3;
+            int repaymentEvery = 1;
+
+            // Create charges
+            double charge1Amount = 1.0;
+            double charge2Amount = 1.5;
+            Long charge1Id = createDisbursementPercentageCharge(charge1Amount);
+            Long charge2Id = createDisbursementPercentageCharge(charge2Amount);
+
+            // Create Loan Product
+            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct() //
+                    .numberOfRepayments(numberOfRepayments) //
+                    .repaymentEvery(repaymentEvery) //
+                    .installmentAmountInMultiplesOf(null) //
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()) //
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
+                    .interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
+                    .isInterestRecalculationEnabled(true)//
+                    .recalculationRestFrequencyInterval(1)//
+                    .recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
+                    .allowPartialPeriodInterestCalcualtion(false)//
+                    .disallowExpectedDisbursements(false)//
+                    .allowApprovedDisbursedAmountsOverApplied(false)//
+                    .overAppliedNumber(null)//
+                    .overAppliedCalculationType(null)//
+                    .multiDisburseLoan(null)//
+                    .charges(List.of(new ChargeData().id(charge1Id), new ChargeData().id(charge2Id)));//
+
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+            Long loanProductId = loanProductResponse.getResourceId();
+
+            // Apply and Approve Loan
+            double amount = 5000.0;
+
+            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
+                    .repaymentEvery(repaymentEvery)//
+                    .loanTermFrequency(numberOfRepayments)//
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
+                    .charges(List.of(//
+                            new PostLoansRequestChargeData().chargeId(charge1Id).amount(BigDecimal.valueOf(charge1Amount)), //
+                            new PostLoansRequestChargeData().chargeId(charge2Id).amount(BigDecimal.valueOf(charge2Amount))//
+            ));//
+
+            PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
+
+            PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
+                    approveLoanRequest(amount, "01 January 2023"));
+
+            aLoanId.getAndSet(approvedLoanResult.getLoanId());
+            Long loanId = aLoanId.get();
+
+            // disburse Loan
+            disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023") //
+            );
+        });
+
+        runAt("01 February 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "01 February 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023") //
+            );
+        });
+
+        runAt("09 February 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "09 February 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+
+            pointInTimeData = getPointInTimeData(loanId, "07 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+
+            pointInTimeData = getPointInTimeData(loanId, "09 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4000.0, 0.0, 0.0, 0.0, 4000.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023") //
+            );
+        });
+
+        runAt("01 March 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "01 March 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+
+            pointInTimeData = getPointInTimeData(loanId, "10 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4000.0, 0.0, 0.0, 0.0, 4000.0));
+
+            pointInTimeData = getPointInTimeData(loanId, "01 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(3500.0, 0.0, 0.0, 0.0, 3500.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023") //
+            );
+        });
+    }
+
+    @Test
+    public void test_LoanPointInTimeDataWorks_ForAllOutstandingCalculation_WhenLoanIsCumulative_AndInterestIsEnabled() {
+        AtomicReference<Long> aLoanId = new AtomicReference<>();
+
+        runAt("01 January 2023", () -> {
+            // Create Client
+            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+            int numberOfRepayments = 3;
+            int repaymentEvery = 1;
+
+            // Create Loan Product
+            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct() //
+                    .numberOfRepayments(numberOfRepayments) //
+                    .repaymentEvery(repaymentEvery) //
+                    .installmentAmountInMultiplesOf(null) //
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()) //
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestRatePerPeriod(10.0)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
+                    .interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
+                    .isInterestRecalculationEnabled(true)//
+                    .recalculationRestFrequencyInterval(1)//
+                    .recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
+                    .allowPartialPeriodInterestCalcualtion(false)//
+                    .disallowExpectedDisbursements(false)//
+                    .allowApprovedDisbursedAmountsOverApplied(false)//
+                    .overAppliedNumber(null)//
+                    .overAppliedCalculationType(null)//
+                    .multiDisburseLoan(null);//
+
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+            Long loanProductId = loanProductResponse.getResourceId();
+
+            // Apply and Approve Loan
+            double amount = 5000.0;
+
+            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
+                    .repaymentEvery(repaymentEvery)//
+                    .interestRatePerPeriod(BigDecimal.valueOf(10.0))//
+                    .loanTermFrequency(numberOfRepayments)//
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY);//
+
+            PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
+
+            PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
+                    approveLoanRequest(amount, "01 January 2023"));
+
+            aLoanId.getAndSet(approvedLoanResult.getLoanId());
+            Long loanId = aLoanId.get();
+
+            Long chargeId = createCharge(100.0).getResourceId();
+            addLoanCharge(loanId, chargeId, "02 February 2023", 100.0);
+
+            // disburse Loan
+            disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023") //
+            );
+        });
+
+        runAt("01 February 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 250.0, "01 February 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(5000.0, 767.70, 0.0, 0.0, 5767.70));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023") //
+            );
+        });
+
+        runAt("09 February 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "09 February 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(5000.0, 767.70, 0.0, 0.0, 5767.70));
+
+            pointInTimeData = getPointInTimeData(loanId, "07 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(5000.0, 800.22, 100.0, 0.0, 5900.22));
+
+            pointInTimeData = getPointInTimeData(loanId, "09 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4759.59, 551.47, 100.0, 0.0, 5411.06));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023") //
+            );
+        });
+
+        runAt("01 March 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "01 March 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(5000.0, 767.70, 0.0, 0.0, 5767.70));
+
+            pointInTimeData = getPointInTimeData(loanId, "10 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4759.59, 556.02, 100.0, 0.0, 5415.61));
+
+            pointInTimeData = getPointInTimeData(loanId, "01 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4259.59, 642.46, 100.0, 0.0, 5002.05));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023") //
+            );
+        });
+
+        runAt("05 March 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay full loan
+            addRepaymentForLoan(loanId, 5032.52, "05 March 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(5000.0, 767.70, 0.0, 0.0, 5767.70));
+
+            pointInTimeData = getPointInTimeData(loanId, "10 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4759.59, 556.02, 100.0, 0.0, 5415.61));
+
+            pointInTimeData = getPointInTimeData(loanId, "01 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4259.59, 642.46, 100.0, 0.0, 5002.05));
+
+            pointInTimeData = getPointInTimeData(loanId, "05 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(0.0, 0.0, 0.0, 0.0, 0.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023"), //
+                    transaction(5032.52, "Repayment", "05 March 2023"), //
+                    transaction(1282.52, "Accrual", "05 March 2023") //
+            );
+        });
+    }
+
+    @Test
+    public void test_LoanPointInTimeDataWorks_ForAllOutstandingCalculation_WhenLoanIsProgressive_AndInterestIsEnabled() {
+        AtomicReference<Long> aLoanId = new AtomicReference<>();
+
+        runAt("01 January 2023", () -> {
+            // Create Client
+            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+            int numberOfRepayments = 3;
+            int repaymentEvery = 1;
+
+            // Create Loan Product
+            PostLoanProductsRequest product = create4IProgressive() //
+                    .numberOfRepayments(numberOfRepayments) //
+                    .repaymentEvery(repaymentEvery) //
+                    .installmentAmountInMultiplesOf(null) //
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()) //
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestRatePerPeriod(10.0)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
+                    .interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
+                    .isInterestRecalculationEnabled(true)//
+                    .recalculationRestFrequencyInterval(1)//
+                    .recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
+                    .allowPartialPeriodInterestCalcualtion(false)//
+                    .disallowExpectedDisbursements(false)//
+                    .allowApprovedDisbursedAmountsOverApplied(false)//
+                    .overAppliedNumber(null)//
+                    .overAppliedCalculationType(null)//
+                    .currencyCode("USD").multiDisburseLoan(null);//
+
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+            Long loanProductId = loanProductResponse.getResourceId();
+
+            // Apply and Approve Loan
+            double amount = 5000.0;
+
+            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
+                    .repaymentEvery(repaymentEvery)//
+                    .transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION_STRATEGY).interestRatePerPeriod(BigDecimal.valueOf(10.0))//
+                    .loanTermFrequency(numberOfRepayments)//
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY);//
+
+            PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
+
+            PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
+                    approveLoanRequest(amount, "01 January 2023"));
+
+            aLoanId.getAndSet(approvedLoanResult.getLoanId());
+            Long loanId = aLoanId.get();
+
+            Long chargeId = createCharge(100.0).getResourceId();
+            addLoanCharge(loanId, chargeId, "02 February 2023", 100.0);
+
+            // disburse Loan
+            disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023") //
+            );
+        });
+
+        runAt("01 February 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 250.0, "01 February 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4750.0, 83.56, 0.0, 0.0, 4833.56));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023") //
+            );
+        });
+
+        runAt("09 February 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "09 February 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4750.0, 83.56, 0.0, 0.0, 4833.56));
+
+            pointInTimeData = getPointInTimeData(loanId, "07 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4750.0, 86.10, 100.0, 0.0, 4936.10));
+
+            pointInTimeData = getPointInTimeData(loanId, "09 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4250.0, 86.93, 100.0, 0.0, 4436.93));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023") //
+            );
+        });
+
+        runAt("01 March 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "01 March 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4750.0, 83.56, 0.0, 0.0, 4833.56));
+
+            pointInTimeData = getPointInTimeData(loanId, "10 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4250.0, 87.20, 100.0, 0.0, 4437.20));
+
+            pointInTimeData = getPointInTimeData(loanId, "01 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(3750.0, 92.36, 100.0, 0.0, 3942.36));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023") //
+            );
+        });
+
+        runAt("05 March 2023", () -> {
+            Long loanId = aLoanId.get();
+
+            // repay full loan
+            addRepaymentForLoan(loanId, 3942.36, "05 March 2023");
+
+            // check point in time data
+            LoanPointInTimeData pointInTimeData = getPointInTimeData(loanId, "01 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4750.0, 83.56, 0.0, 0.0, 4833.56));
+
+            pointInTimeData = getPointInTimeData(loanId, "10 February 2023");
+            verifyOutstanding(pointInTimeData, outstanding(4250.0, 87.20, 100.0, 0.0, 4437.20));
+
+            pointInTimeData = getPointInTimeData(loanId, "01 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(3750.0, 92.36, 100.0, 0.0, 3942.36));
+
+            pointInTimeData = getPointInTimeData(loanId, "05 March 2023");
+            verifyOutstanding(pointInTimeData, outstanding(0.0, 0.0, 0.0, 0.0, 0.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(250.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "09 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023"), //
+                    transaction(3942.36, "Repayment", "05 March 2023"), //
+                    transaction(182.31, "Accrual", "05 March 2023") //
+            );
+        });
+    }
+
+    @Test
+    public void test_LoansPointInTimeDataWorks_ForPrincipalOutstandingCalculation() {
+        AtomicReference<Long> aLoanId = new AtomicReference<>();
+        AtomicReference<Long> aLoanId2 = new AtomicReference<>();
+
+        runAt("01 January 2023", () -> {
+            // Create Client
+            Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+
+            int numberOfRepayments = 3;
+            int repaymentEvery = 1;
+
+            // Create charges
+            double charge1Amount = 1.0;
+            double charge2Amount = 1.5;
+            Long charge1Id = createDisbursementPercentageCharge(charge1Amount);
+            Long charge2Id = createDisbursementPercentageCharge(charge2Amount);
+
+            // Create Loan Product
+            PostLoanProductsRequest product = createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct() //
+                    .numberOfRepayments(numberOfRepayments) //
+                    .repaymentEvery(repaymentEvery) //
+                    .installmentAmountInMultiplesOf(null) //
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue()) //
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
+                    .interestRecalculationCompoundingMethod(InterestRecalculationCompoundingMethod.NONE)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.ADJUST_LAST_UNPAID_PERIOD)//
+                    .isInterestRecalculationEnabled(true)//
+                    .recalculationRestFrequencyInterval(1)//
+                    .recalculationRestFrequencyType(RecalculationRestFrequencyType.DAILY)//
+                    .rescheduleStrategyMethod(RescheduleStrategyMethod.REDUCE_EMI_AMOUNT)//
+                    .allowPartialPeriodInterestCalcualtion(false)//
+                    .disallowExpectedDisbursements(false)//
+                    .allowApprovedDisbursedAmountsOverApplied(false)//
+                    .overAppliedNumber(null)//
+                    .overAppliedCalculationType(null)//
+                    .multiDisburseLoan(null)//
+                    .charges(List.of(new ChargeData().id(charge1Id), new ChargeData().id(charge2Id)));//
+
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(product);
+            Long loanProductId = loanProductResponse.getResourceId();
+
+            // Apply and Approve Loan
+            double amount = 5000.0;
+
+            PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", amount, numberOfRepayments)//
+                    .repaymentEvery(repaymentEvery)//
+                    .loanTermFrequency(numberOfRepayments)//
+                    .repaymentFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .loanTermFrequencyType(RepaymentFrequencyType.MONTHS)//
+                    .interestType(InterestType.DECLINING_BALANCE)//
+                    .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY)//
+                    .charges(List.of(//
+                            new PostLoansRequestChargeData().chargeId(charge1Id).amount(BigDecimal.valueOf(charge1Amount)), //
+                            new PostLoansRequestChargeData().chargeId(charge2Id).amount(BigDecimal.valueOf(charge2Amount))//
+            ));//
+
+            PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applicationRequest);
+            PostLoansResponse postLoansResponse2 = loanTransactionHelper.applyLoan(applicationRequest);
+
+            PostLoansLoanIdResponse approvedLoanResult = loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
+                    approveLoanRequest(amount, "01 January 2023"));
+
+            PostLoansLoanIdResponse approvedLoanResult2 = loanTransactionHelper.approveLoan(postLoansResponse2.getResourceId(),
+                    approveLoanRequest(amount, "01 January 2023"));
+
+            aLoanId.getAndSet(approvedLoanResult.getLoanId());
+            aLoanId2.getAndSet(approvedLoanResult2.getLoanId());
+            Long loanId = aLoanId.get();
+            Long loanId2 = aLoanId2.get();
+
+            // disburse Loan
+            disburseLoan(loanId, BigDecimal.valueOf(5000.0), "01 January 2023");
+            disburseLoan(loanId2, BigDecimal.valueOf(5000.0), "01 January 2023");
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023") //
+            );
+            verifyTransactions(loanId2, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023") //
+            );
+        });
+
+        runAt("01 February 2023", () -> {
+            Long loanId = aLoanId.get();
+            Long loanId2 = aLoanId2.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "01 February 2023");
+            addRepaymentForLoan(loanId2, 500.0, "01 February 2023");
+
+            // check point in time data
+            List<LoanPointInTimeData> pointInTimeData = getPointInTimeData(List.of(loanId, loanId2), "01 February 2023");
+            verifyOutstanding(pointInTimeData.get(0), outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+            verifyOutstanding(pointInTimeData.get(1), outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023") //
+            );
+            verifyTransactions(loanId2, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023") //
+            );
+        });
+
+        runAt("01 March 2023", () -> {
+            Long loanId = aLoanId.get();
+            Long loanId2 = aLoanId2.get();
+
+            // repay 500
+            addRepaymentForLoan(loanId, 500.0, "01 March 2023");
+            addRepaymentForLoan(loanId2, 500.0, "01 March 2023");
+
+            // check point in time data
+            List<LoanPointInTimeData> pointInTimeData = getPointInTimeData(List.of(loanId, loanId2), "01 February 2023");
+            verifyOutstanding(pointInTimeData.get(0), outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+            verifyOutstanding(pointInTimeData.get(1), outstanding(4500.0, 0.0, 0.0, 0.0, 4500.0));
+
+            pointInTimeData = getPointInTimeData(List.of(loanId, loanId2), "01 March 2023");
+            verifyOutstanding(pointInTimeData.get(0), outstanding(4000.0, 0.0, 0.0, 0.0, 4000.0));
+            verifyOutstanding(pointInTimeData.get(1), outstanding(4000.0, 0.0, 0.0, 0.0, 4000.0));
+
+            // verify transactions
+            verifyTransactions(loanId, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023") //
+            );
+            verifyTransactions(loanId2, //
+                    transaction(5000.0, "Disbursement", "01 January 2023"), //
+                    transaction(125.0, "Repayment (at time of disbursement)", "01 January 2023"), //
+                    transaction(500.0, "Repayment", "01 February 2023"), //
+                    transaction(500.0, "Repayment", "01 March 2023") //
+            );
+        });
+    }
+}