FINERACT-2220: Use stored ProgressiveLoanInterestScheduleModel for calculation

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

@@ -38,7 +38,7 @@ public class LoanScheduleService {
     private final LoanChargeService loanChargeService;
     private final ReprocessLoanTransactionsService reprocessLoanTransactionsService;
     private final LoanMapper loanMapper;
-    private final LoanTransactionProcessingService loadTransactionProcessingService;
+    private final LoanTransactionProcessingService loanTransactionProcessingService;
     private final LoanScheduleComponent loanSchedule;
 
     /**
@@ -77,14 +77,16 @@ public class LoanScheduleService {
             } else {
                 regenerateRepaymentSchedule(loan, generatorDTO);
             }
+            reprocessLoanTransactionsService.reprocessTransactions(loan);
+        } else {
+            reprocessLoanTransactionsService.updateModel(loan);
         }
 
-        reprocessLoanTransactionsService.reprocessTransactions(loan);
     }
 
     public void regenerateRepaymentScheduleWithInterestRecalculation(final Loan loan, final ScheduleGeneratorDTO generatorDTO) {
         final LocalDate lastTransactionDate = loan.getLastUserTransactionDate();
-        final LoanScheduleDTO loanScheduleDTO = loadTransactionProcessingService.getRecalculatedSchedule(generatorDTO, loan);
+        final LoanScheduleDTO loanScheduleDTO = loanTransactionProcessingService.getRecalculatedSchedule(generatorDTO, loan);
         if (loanScheduleDTO == null) {
             return;
         }
@@ -112,7 +114,7 @@ public class LoanScheduleService {
                 }
             }
         }
-        loadTransactionProcessingService.processPostDisbursementTransactions(loan);
+        loanTransactionProcessingService.processPostDisbursementTransactions(loan);
     }
 
     public void handleRegenerateRepaymentScheduleWithInterestRecalculation(final Loan loan, final ScheduleGeneratorDTO generatorDTO) {

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

@@ -18,136 +18,37 @@
  */
 package org.apache.fineract.portfolio.loanaccount.service;
 
-import java.math.MathContext;
 import java.time.LocalDate;
-import java.util.ArrayList;
 import java.util.List;
 import java.util.Optional;
 import java.util.Set;
-import lombok.RequiredArgsConstructor;
 import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
-import org.apache.fineract.organisation.monetary.domain.Money;
-import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
 import org.apache.fineract.portfolio.loanaccount.data.OutstandingAmountsDTO;
 import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
-import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleTransactionProcessorFactory;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.TransactionCtx;
 import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleDTO;
-import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanApplicationTerms;
-import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleGenerator;
-import org.apache.fineract.portfolio.loanaccount.mapper.LoanTermVariationsMapper;
-import org.apache.fineract.portfolio.loanproduct.domain.InterestMethod;
-import org.springframework.stereotype.Service;
 
-@Service
+public interface LoanTransactionProcessingService {
-@RequiredArgsConstructor
-public class LoanTransactionProcessingService {
 
-    private final LoanRepaymentScheduleTransactionProcessorFactory transactionProcessorFactory;
+    ChangedTransactionDetail processLatestTransaction(String transactionProcessingStrategyCode, LoanTransaction loanTransaction,
-    private final LoanTermVariationsMapper loanMapper;
+            TransactionCtx ctx);
 
-    public ChangedTransactionDetail processLatestTransaction(String transactionProcessingStrategyCode, LoanTransaction loanTransaction,
+    ChangedTransactionDetail reprocessLoanTransactions(String transactionProcessingStrategyCode, LocalDate disbursementDate,
-            TransactionCtx ctx) {
-        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
-                transactionProcessingStrategyCode);
-        return loanRepaymentScheduleTransactionProcessor.processLatestTransaction(loanTransaction, ctx);
-    }
-
-    public ChangedTransactionDetail reprocessLoanTransactions(String transactionProcessingStrategyCode, LocalDate disbursementDate,
             List<LoanTransaction> repaymentsOrWaivers, MonetaryCurrency currency,
-            List<LoanRepaymentScheduleInstallment> repaymentScheduleInstallments, Set<LoanCharge> charges) {
+            List<LoanRepaymentScheduleInstallment> repaymentScheduleInstallments, Set<LoanCharge> charges);
-        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
-                transactionProcessingStrategyCode);
-        return loanRepaymentScheduleTransactionProcessor.reprocessLoanTransactions(disbursementDate, repaymentsOrWaivers, currency,
-                repaymentScheduleInstallments, charges);
-    }
 
-    public LoanRepaymentScheduleTransactionProcessor getTransactionProcessor(String transactionProcessingStrategyCode) {
+    LoanRepaymentScheduleTransactionProcessor getTransactionProcessor(String transactionProcessingStrategyCode);
-        return transactionProcessorFactory.determineProcessor(transactionProcessingStrategyCode);
-    }
 
-    public Optional<ChangedTransactionDetail> processPostDisbursementTransactions(Loan loan) {
+    Optional<ChangedTransactionDetail> processPostDisbursementTransactions(Loan loan);
-        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
-                loan.getTransactionProcessingStrategyCode());
-        final List<LoanTransaction> allNonContraTransactionsPostDisbursement = loan.retrieveListOfTransactionsForReprocessing();
-        final List<LoanTransaction> copyTransactions = new ArrayList<>();
 
-        if (allNonContraTransactionsPostDisbursement.isEmpty()) {
+    LoanScheduleDTO getRecalculatedSchedule(ScheduleGeneratorDTO generatorDTO, Loan loan);
-            return Optional.empty();
-        }
 
-        // TODO: Probably this is not needed and can be eliminated, make sure to double check it
+    OutstandingAmountsDTO fetchPrepaymentDetail(ScheduleGeneratorDTO scheduleGeneratorDTO, LocalDate onDate, Loan loan);
-        for (LoanTransaction loanTransaction : allNonContraTransactionsPostDisbursement) {
-            copyTransactions.add(LoanTransaction.copyTransactionProperties(loanTransaction));
-        }
-        final ChangedTransactionDetail changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.reprocessLoanTransactions(
-                loan.getDisbursementDate(), copyTransactions, loan.getCurrency(), loan.getRepaymentScheduleInstallments(),
-                loan.getActiveCharges());
 
-        loan.updateLoanSummaryDerivedFields();
-
-        return Optional.of(changedTransactionDetail);
-    }
-
-    public LoanScheduleDTO getRecalculatedSchedule(final ScheduleGeneratorDTO generatorDTO, Loan loan) {
-        if (!loan.isInterestBearingAndInterestRecalculationEnabled() || loan.isNpa() || loan.isChargedOff()) {
-            return null;
-        }
-        final InterestMethod interestMethod = loan.getLoanRepaymentScheduleDetail().getInterestMethod();
-        final LoanScheduleGenerator loanScheduleGenerator = generatorDTO.getLoanScheduleFactory()
-                .create(loan.getLoanRepaymentScheduleDetail().getLoanScheduleType(), interestMethod);
-
-        final MathContext mc = MoneyHelper.getMathContext();
-
-        final LoanApplicationTerms loanApplicationTerms = loanMapper.constructLoanApplicationTerms(generatorDTO, loan);
-
-        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
-                loan.getTransactionProcessingStrategyCode());
-
-        return loanScheduleGenerator.rescheduleNextInstallments(mc, loanApplicationTerms, loan, generatorDTO.getHolidayDetailDTO(),
-                loanRepaymentScheduleTransactionProcessor, generatorDTO.getRecalculateFrom());
-    }
-
-    public OutstandingAmountsDTO fetchPrepaymentDetail(final ScheduleGeneratorDTO scheduleGeneratorDTO, final LocalDate onDate, Loan loan) {
-        OutstandingAmountsDTO outstandingAmounts;
-
-        if (loan.isInterestBearingAndInterestRecalculationEnabled() && !loan.isChargeOffOnDate(onDate)) {
-            final MathContext mc = MoneyHelper.getMathContext();
-
-            final InterestMethod interestMethod = loan.getLoanRepaymentScheduleDetail().getInterestMethod();
-            final LoanApplicationTerms loanApplicationTerms = loanMapper.constructLoanApplicationTerms(scheduleGeneratorDTO, loan);
-
-            final LoanScheduleGenerator loanScheduleGenerator = scheduleGeneratorDTO.getLoanScheduleFactory()
-                    .create(loanApplicationTerms.getLoanScheduleType(), interestMethod);
-            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
-                    loan.getTransactionProcessingStrategyCode());
-            outstandingAmounts = loanScheduleGenerator.calculatePrepaymentAmount(loan.getCurrency(), onDate, loanApplicationTerms, mc, loan,
-                    scheduleGeneratorDTO.getHolidayDetailDTO(), loanRepaymentScheduleTransactionProcessor);
-        } else {
-            outstandingAmounts = getTotalOutstandingOnLoan(loan);
-        }
-        return outstandingAmounts;
-    }
-
-    private OutstandingAmountsDTO getTotalOutstandingOnLoan(Loan loan) {
-        Money totalPrincipal = Money.zero(loan.getCurrency());
-        Money totalInterest = Money.zero(loan.getCurrency());
-        Money feeCharges = Money.zero(loan.getCurrency());
-        Money penaltyCharges = Money.zero(loan.getCurrency());
-        List<LoanRepaymentScheduleInstallment> repaymentSchedule = loan.getRepaymentScheduleInstallments();
-        for (final LoanRepaymentScheduleInstallment scheduledRepayment : repaymentSchedule) {
-            totalPrincipal = totalPrincipal.plus(scheduledRepayment.getPrincipalOutstanding(loan.getCurrency()));
-            totalInterest = totalInterest.plus(scheduledRepayment.getInterestOutstanding(loan.getCurrency()));
-            feeCharges = feeCharges.plus(scheduledRepayment.getFeeChargesOutstanding(loan.getCurrency()));
-            penaltyCharges = penaltyCharges.plus(scheduledRepayment.getPenaltyChargesOutstanding(loan.getCurrency()));
-        }
-        return new OutstandingAmountsDTO(totalPrincipal.getCurrency()).principal(totalPrincipal).interest(totalInterest)
-                .feeCharges(feeCharges).penaltyCharges(penaltyCharges);
-    }
 }

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

@@ -38,4 +38,5 @@ public interface ReprocessLoanTransactionsService {
 
     void processLatestTransaction(LoanTransaction loanTransaction, Loan loan);
 
+    void updateModel(Loan loan);
 }

fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/AdvancedPaymentScheduleTransactionProcessor.java

@@ -1187,7 +1187,7 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
                 .sorted(Comparator.comparing(LoanRepaymentScheduleInstallment::getInstallmentNumber)).toList();
     }
 
-    private void recalculateInterestForDate(LocalDate targetDate, ProgressiveTransactionCtx ctx) {
+    public void recalculateInterestForDate(LocalDate targetDate, ProgressiveTransactionCtx ctx) {
         if (ctx.getInstallments() != null && !ctx.getInstallments().isEmpty()) {
             Loan loan = ctx.getInstallments().get(0).getLoan();
             if (loan.isInterestBearingAndInterestRecalculationEnabled() && !loan.isNpa() && !ctx.isChargedOff()) {
@@ -1240,17 +1240,18 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
         LocalDate toDate = currentInstallment.getDueDate();
         boolean hasUpdate = false;
 
-        if (!currentDate.equals(ctx.getLastOverdueBalanceChange())) {
+        if (!currentDate.equals(ctx.getModel().lastOverdueBalanceChange())) {
             // if we have same date for fromDate & last overdue balance change then it means we have the up-to-date
             // model.
-            if (ctx.getLastOverdueBalanceChange() == null || currentInstallment.getFromDate().isAfter(ctx.getLastOverdueBalanceChange())) {
+            if (ctx.getModel().lastOverdueBalanceChange() == null
+                    || currentInstallment.getFromDate().isAfter(ctx.getModel().lastOverdueBalanceChange())) {
                 // first overdue hit for installment. setting overdue balance correction from instalment from date.
                 emiCalculator.addBalanceCorrection(ctx.getModel(), fromDate, overduePrincipal);
             } else {
                 // not the first balance correction on installment period, then setting overdue balance correction from
                 // last balance change's current date. previous interest period already has the correct balance
                 // correction.
-                emiCalculator.addBalanceCorrection(ctx.getModel(), ctx.getLastOverdueBalanceChange(), overduePrincipal);
+                emiCalculator.addBalanceCorrection(ctx.getModel(), ctx.getModel().lastOverdueBalanceChange(), overduePrincipal);
             }
 
             hasUpdate = true;
@@ -1263,7 +1264,7 @@ public class AdvancedPaymentScheduleTransactionProcessor extends AbstractLoanRep
                     lastOverdueBalanceChange = currentDate;
                 }
                 emiCalculator.addBalanceCorrection(ctx.getModel(), lastOverdueBalanceChange, aggregatedOverDuePrincipal.negated());
-                ctx.setLastOverdueBalanceChange(lastOverdueBalanceChange);
+                ctx.getModel().lastOverdueBalanceChange(lastOverdueBalanceChange);
             }
         }
 

fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/ProgressiveTransactionCtx.java

@@ -18,7 +18,6 @@
  */
 package org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl;
 
-import java.time.LocalDate;
 import java.util.ArrayList;
 import java.util.List;
 import java.util.Set;
@@ -38,8 +37,6 @@ import org.apache.fineract.portfolio.loanproduct.calc.data.ProgressiveLoanIntere
 public class ProgressiveTransactionCtx extends TransactionCtx {
 
     private final ProgressiveLoanInterestScheduleModel model;
-    @Setter
-    private LocalDate lastOverdueBalanceChange = null;
     private List<LoanTransaction> alreadyProcessedTransactions = new ArrayList<>();
     @Setter
     private Money sumOfInterestRefundAmount;

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

@@ -18,16 +18,23 @@
  */
 package org.apache.fineract.portfolio.loanaccount.service;
 
+import java.time.LocalDate;
 import java.util.Optional;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.ProgressiveLoanModel;
 import org.apache.fineract.portfolio.loanproduct.calc.data.ProgressiveLoanInterestScheduleModel;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProductMinimumRepaymentScheduleRelatedDetail;
 
 public interface InterestScheduleModelRepositoryWrapper {
 
+    Optional<ProgressiveLoanModel> findOneByLoanId(Long loanId);
+
+    Optional<ProgressiveLoanInterestScheduleModel> extractModel(Optional<ProgressiveLoanModel> progressiveLoanModel);
+
     String writeInterestScheduleModel(Loan loan, ProgressiveLoanInterestScheduleModel model);
 
     Optional<ProgressiveLoanInterestScheduleModel> readProgressiveLoanInterestScheduleModel(Long loanId,
             LoanProductMinimumRepaymentScheduleRelatedDetail detail, Integer installmentAmountInMultipliesOf);
 
+    Optional<ProgressiveLoanInterestScheduleModel> getSavedModel(Loan loan, LocalDate businessDate);
 }

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

@@ -18,14 +18,23 @@
  */
 package org.apache.fineract.portfolio.loanaccount.service;
 
+import jakarta.persistence.EntityManager;
+import jakarta.persistence.FlushModeType;
+import jakarta.persistence.PersistenceContext;
 import jakarta.transaction.Transactional;
+import java.time.LocalDate;
 import java.util.Optional;
+import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.core.service.ThreadLocalContextUtil;
 import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
+import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
 import org.apache.fineract.portfolio.loanaccount.domain.ProgressiveLoanModel;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.MoneyHolder;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.ProgressiveTransactionCtx;
 import org.apache.fineract.portfolio.loanaccount.repository.ProgressiveLoanModelRepository;
 import org.apache.fineract.portfolio.loanproduct.calc.data.ProgressiveLoanInterestScheduleModel;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProductMinimumRepaymentScheduleRelatedDetail;
@@ -37,6 +46,9 @@ public class InterestScheduleModelRepositoryWrapperImpl implements InterestSched
 
     private final ProgressiveLoanModelRepository loanModelRepository;
     private final ProgressiveLoanInterestScheduleModelParserService progressiveLoanInterestScheduleModelParserService;
+    private final AdvancedPaymentScheduleTransactionProcessor advancedPaymentScheduleTransactionProcessor;
+    @PersistenceContext
+    private final EntityManager entityManager;
 
     @Transactional
     @Override
@@ -45,18 +57,54 @@ public class InterestScheduleModelRepositoryWrapperImpl implements InterestSched
             return null;
         }
         String jsonModel = progressiveLoanInterestScheduleModelParserService.toJson(model);
-        ProgressiveLoanModel progressiveLoanModel = loanModelRepository.findOneByLoanId(loan.getId()).orElseGet(() -> {
+        try {
-            ProgressiveLoanModel plm = new ProgressiveLoanModel();
+            entityManager.setFlushMode(FlushModeType.COMMIT);
-            plm.setLoan(loan);
+            ProgressiveLoanModel progressiveLoanModel = loanModelRepository.findOneByLoanId(loan.getId()).orElseGet(() -> {
-            return plm;
+                ProgressiveLoanModel plm = new ProgressiveLoanModel();
-        });
+                plm.setLoan(loan);
-        progressiveLoanModel.setBusinessDate(ThreadLocalContextUtil.getBusinessDate());
+                return plm;
-        progressiveLoanModel.setLastModifiedDate(DateUtils.getAuditOffsetDateTime());
+            });
-        progressiveLoanModel.setJsonModel(jsonModel);
+            progressiveLoanModel.setBusinessDate(ThreadLocalContextUtil.getBusinessDate());
-        loanModelRepository.save(progressiveLoanModel);
+            progressiveLoanModel.setLastModifiedDate(DateUtils.getAuditOffsetDateTime());
+            progressiveLoanModel.setJsonModel(jsonModel);
+            loanModelRepository.save(progressiveLoanModel);
+        } finally {
+            entityManager.setFlushMode(FlushModeType.AUTO);
+        }
         return jsonModel;
     }
 
+    @Override
+    public Optional<ProgressiveLoanModel> findOneByLoanId(Long loanId) {
+        return loanModelRepository.findOneByLoanId(loanId);
+    }
+
+    @Override
+    public Optional<ProgressiveLoanInterestScheduleModel> extractModel(Optional<ProgressiveLoanModel> progressiveLoanModel) {
+        return progressiveLoanModel.map(ProgressiveLoanModel::getJsonModel) //
+                .map(jsonModel -> progressiveLoanInterestScheduleModelParserService.fromJson(jsonModel,
+                        progressiveLoanModel.get().getLoan().getLoanProductRelatedDetail(), MoneyHelper.getMathContext(),
+                        progressiveLoanModel.get().getLoan().getLoanProduct().getInstallmentAmountInMultiplesOf()));
+    }
+
+    @Override
+    public Optional<ProgressiveLoanInterestScheduleModel> getSavedModel(Loan loan, LocalDate businessDate) {
+        Optional<ProgressiveLoanModel> progressiveLoanModel = findOneByLoanId(loan.getId());
+        Optional<ProgressiveLoanInterestScheduleModel> savedModel;
+        if (progressiveLoanModel.isPresent() && !progressiveLoanModel.get().getBusinessDate().isAfter(businessDate)) {
+            savedModel = extractModel(progressiveLoanModel);
+            if (progressiveLoanModel.get().getBusinessDate().isBefore(businessDate) && savedModel.isPresent()) {
+                ProgressiveTransactionCtx ctx = new ProgressiveTransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(),
+                        Set.of(), new MoneyHolder(loan.getTotalOverpaidAsMoney()), new ChangedTransactionDetail(), savedModel.get());
+                ctx.setChargedOff(loan.isChargedOff());
+                advancedPaymentScheduleTransactionProcessor.recalculateInterestForDate(businessDate, ctx);
+            }
+        } else {
+            savedModel = Optional.empty();
+        }
+        return savedModel;
+    }
+
     @Override
     public Optional<ProgressiveLoanInterestScheduleModel> readProgressiveLoanInterestScheduleModel(final Long loanId,
             final LoanProductMinimumRepaymentScheduleRelatedDetail detail, final Integer installmentAmountInMultipliesOf) {

fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/data/ProgressiveLoanInterestScheduleModel.java

@@ -41,6 +41,7 @@ import java.util.function.Consumer;
 import java.util.stream.Collectors;
 import lombok.AllArgsConstructor;
 import lombok.Data;
+import lombok.Setter;
 import lombok.experimental.Accessors;
 import org.apache.fineract.infrastructure.core.serialization.gson.JsonExclude;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
@@ -67,6 +68,9 @@ public class ProgressiveLoanInterestScheduleModel {
     private final Money zero;
     private final Map<LoanInterestScheduleModelModifiers, Boolean> modifiers;
 
+    @Setter
+    private LocalDate lastOverdueBalanceChange;
+
     public ProgressiveLoanInterestScheduleModel(final List<RepaymentPeriod> repaymentPeriods,
             final LoanProductMinimumRepaymentScheduleRelatedDetail loanProductRelatedDetail,
             final List<LoanTermVariationsData> loanTermVariations, final Integer installmentAmountInMultiplesOf, final MathContext mc) {

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

@@ -0,0 +1,189 @@
+/**
+ * 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.math.MathContext;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Optional;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.tuple.Pair;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
+import org.apache.fineract.organisation.monetary.domain.Money;
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
+import org.apache.fineract.portfolio.loanaccount.data.OutstandingAmountsDTO;
+import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
+import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleTransactionProcessorFactory;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.TransactionCtx;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.data.LoanScheduleDTO;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanApplicationTerms;
+import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleGenerator;
+import org.apache.fineract.portfolio.loanaccount.mapper.LoanTermVariationsMapper;
+import org.apache.fineract.portfolio.loanproduct.calc.data.ProgressiveLoanInterestScheduleModel;
+import org.apache.fineract.portfolio.loanproduct.domain.InterestMethod;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.support.TransactionSynchronizationManager;
+import org.springframework.util.ObjectUtils;
+
+@Service
+@RequiredArgsConstructor
+public class LoanTransactionProcessingServiceImpl implements LoanTransactionProcessingService {
+
+    private final LoanRepaymentScheduleTransactionProcessorFactory transactionProcessorFactory;
+    private final LoanTermVariationsMapper loanMapper;
+    private final InterestScheduleModelRepositoryWrapper modelRepository;
+
+    @Override
+    public ChangedTransactionDetail processLatestTransaction(String transactionProcessingStrategyCode, LoanTransaction loanTransaction,
+            TransactionCtx ctx) {
+        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
+                transactionProcessingStrategyCode);
+        return loanRepaymentScheduleTransactionProcessor.processLatestTransaction(loanTransaction, ctx);
+    }
+
+    private Loan getLoan(List<LoanTransaction> loanTransactions, List<LoanRepaymentScheduleInstallment> installments,
+            Set<LoanCharge> charges) {
+        if (!ObjectUtils.isEmpty(loanTransactions)) {
+            return loanTransactions.getFirst().getLoan();
+        } else if (!ObjectUtils.isEmpty(installments)) {
+            return installments.getFirst().getLoan();
+        } else if (!ObjectUtils.isEmpty(charges)) {
+            return charges.iterator().next().getLoan();
+        } else {
+            throw new IllegalArgumentException("No loan found for the given transactions, installments or charges");
+        }
+    }
+
+    @Override
+    public ChangedTransactionDetail reprocessLoanTransactions(String transactionProcessingStrategyCode, LocalDate disbursementDate,
+            List<LoanTransaction> loanTransactions, MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> installments,
+            Set<LoanCharge> charges) {
+        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
+                transactionProcessingStrategyCode);
+        if (loanRepaymentScheduleTransactionProcessor instanceof AdvancedPaymentScheduleTransactionProcessor advancedProcessor) {
+            LocalDate currentDate = DateUtils.getBusinessLocalDate();
+            Pair<ChangedTransactionDetail, ProgressiveLoanInterestScheduleModel> result = advancedProcessor
+                    .reprocessProgressiveLoanTransactions(disbursementDate, currentDate, loanTransactions, currency, installments, charges);
+            if (!TransactionSynchronizationManager.isCurrentTransactionReadOnly()) {
+                modelRepository.writeInterestScheduleModel(getLoan(loanTransactions, installments, charges), result.getRight());
+            }
+            return result.getLeft();
+        } else {
+            return loanRepaymentScheduleTransactionProcessor.reprocessLoanTransactions(disbursementDate, loanTransactions, currency,
+                    installments, charges);
+        }
+    }
+
+    @Override
+    public LoanRepaymentScheduleTransactionProcessor getTransactionProcessor(String transactionProcessingStrategyCode) {
+        return transactionProcessorFactory.determineProcessor(transactionProcessingStrategyCode);
+    }
+
+    @Override
+    public Optional<ChangedTransactionDetail> processPostDisbursementTransactions(Loan loan) {
+        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
+                loan.getTransactionProcessingStrategyCode());
+        final List<LoanTransaction> allNonContraTransactionsPostDisbursement = loan.retrieveListOfTransactionsForReprocessing();
+        final List<LoanTransaction> copyTransactions = new ArrayList<>();
+
+        if (allNonContraTransactionsPostDisbursement.isEmpty()) {
+            return Optional.empty();
+        }
+
+        // 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));
+        }
+        final ChangedTransactionDetail changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.reprocessLoanTransactions(
+                loan.getDisbursementDate(), copyTransactions, loan.getCurrency(), loan.getRepaymentScheduleInstallments(),
+                loan.getActiveCharges());
+
+        loan.updateLoanSummaryDerivedFields();
+
+        return Optional.of(changedTransactionDetail);
+    }
+
+    @Override
+    public LoanScheduleDTO getRecalculatedSchedule(final ScheduleGeneratorDTO generatorDTO, Loan loan) {
+        if (!loan.isInterestBearingAndInterestRecalculationEnabled() || loan.isNpa() || loan.isChargedOff()) {
+            return null;
+        }
+        final InterestMethod interestMethod = loan.getLoanRepaymentScheduleDetail().getInterestMethod();
+        final LoanScheduleGenerator loanScheduleGenerator = generatorDTO.getLoanScheduleFactory()
+                .create(loan.getLoanRepaymentScheduleDetail().getLoanScheduleType(), interestMethod);
+
+        final MathContext mc = MoneyHelper.getMathContext();
+
+        final LoanApplicationTerms loanApplicationTerms = loanMapper.constructLoanApplicationTerms(generatorDTO, loan);
+
+        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
+                loan.getTransactionProcessingStrategyCode());
+
+        return loanScheduleGenerator.rescheduleNextInstallments(mc, loanApplicationTerms, loan, generatorDTO.getHolidayDetailDTO(),
+                loanRepaymentScheduleTransactionProcessor, generatorDTO.getRecalculateFrom());
+    }
+
+    @Override
+    public OutstandingAmountsDTO fetchPrepaymentDetail(final ScheduleGeneratorDTO scheduleGeneratorDTO, final LocalDate onDate, Loan loan) {
+        OutstandingAmountsDTO outstandingAmounts;
+
+        if (loan.isInterestBearingAndInterestRecalculationEnabled() && !loan.isChargeOffOnDate(onDate)) {
+            final MathContext mc = MoneyHelper.getMathContext();
+
+            final InterestMethod interestMethod = loan.getLoanRepaymentScheduleDetail().getInterestMethod();
+            final LoanApplicationTerms loanApplicationTerms = loanMapper.constructLoanApplicationTerms(scheduleGeneratorDTO, loan);
+
+            final LoanScheduleGenerator loanScheduleGenerator = scheduleGeneratorDTO.getLoanScheduleFactory()
+                    .create(loanApplicationTerms.getLoanScheduleType(), interestMethod);
+            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = getTransactionProcessor(
+                    loan.getTransactionProcessingStrategyCode());
+            outstandingAmounts = loanScheduleGenerator.calculatePrepaymentAmount(loan.getCurrency(), onDate, loanApplicationTerms, mc, loan,
+                    scheduleGeneratorDTO.getHolidayDetailDTO(), loanRepaymentScheduleTransactionProcessor);
+        } else {
+            outstandingAmounts = getTotalOutstandingOnLoan(loan);
+        }
+        return outstandingAmounts;
+    }
+
+    private OutstandingAmountsDTO getTotalOutstandingOnLoan(Loan loan) {
+        Money totalPrincipal = Money.zero(loan.getCurrency());
+        Money totalInterest = Money.zero(loan.getCurrency());
+        Money feeCharges = Money.zero(loan.getCurrency());
+        Money penaltyCharges = Money.zero(loan.getCurrency());
+        List<LoanRepaymentScheduleInstallment> repaymentSchedule = loan.getRepaymentScheduleInstallments();
+        for (final LoanRepaymentScheduleInstallment scheduledRepayment : repaymentSchedule) {
+            totalPrincipal = totalPrincipal.plus(scheduledRepayment.getPrincipalOutstanding(loan.getCurrency()));
+            totalInterest = totalInterest.plus(scheduledRepayment.getInterestOutstanding(loan.getCurrency()));
+            feeCharges = feeCharges.plus(scheduledRepayment.getFeeChargesOutstanding(loan.getCurrency()));
+            penaltyCharges = penaltyCharges.plus(scheduledRepayment.getPenaltyChargesOutstanding(loan.getCurrency()));
+        }
+        return new OutstandingAmountsDTO(totalPrincipal.getCurrency()).principal(totalPrincipal).interest(totalInterest)
+                .feeCharges(feeCharges).penaltyCharges(penaltyCharges);
+    }
+}

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

@@ -53,6 +53,7 @@ public class ProgressiveLoanSummaryDataProvider extends CommonLoanSummaryDataPro
     private final AdvancedPaymentScheduleTransactionProcessor advancedPaymentScheduleTransactionProcessor;
     private final EMICalculator emiCalculator;
     private final LoanRepositoryWrapper loanRepository;
+    private final InterestScheduleModelRepositoryWrapper modelRepository;
 
     @Override
     public boolean accept(String loanProcessingStrategyCode) {
@@ -78,6 +79,24 @@ public class ProgressiveLoanSummaryDataProvider extends CommonLoanSummaryDataPro
                 && businessDate.isAfter(i.getFromDate()) && !businessDate.isAfter(i.getDueDate())).findFirst();
     }
 
+    private ProgressiveLoanInterestScheduleModel calculateModel(Loan loan, LocalDate businessDate) {
+        List<LoanTransaction> transactionsToReprocess = loan.retrieveListOfTransactionsForReprocessing().stream()
+                .filter(t -> !t.isAccrualActivity()).toList();
+        Pair<ChangedTransactionDetail, ProgressiveLoanInterestScheduleModel> changedTransactionDetailProgressiveLoanInterestScheduleModelPair = advancedPaymentScheduleTransactionProcessor
+                .reprocessProgressiveLoanTransactions(loan.getDisbursementDate(), businessDate, transactionsToReprocess, loan.getCurrency(),
+                        loan.getRepaymentScheduleInstallments(), loan.getActiveCharges());
+        ProgressiveLoanInterestScheduleModel model = changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getRight();
+        final List<Long> replayedTransactions = changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getLeft()
+                .getTransactionChanges().stream().filter(change -> change.getOldTransaction() != null && change.getNewTransaction() != null)
+                .map(change -> change.getNewTransaction().getId()).filter(Objects::nonNull).toList();
+
+        if (!replayedTransactions.isEmpty()) {
+            log.warn("Reprocessed transactions show differences: There are unsaved changes of the following transactions: {}",
+                    replayedTransactions);
+        }
+        return model;
+    }
+
     @Override
     public BigDecimal computeTotalUnpaidPayableNotDueInterestAmountOnActualPeriod(final Loan loan,
             final Collection<LoanSchedulePeriodData> periods, final LocalDate businessDate, final CurrencyData currency,
@@ -93,21 +112,10 @@ public class ProgressiveLoanSummaryDataProvider extends CommonLoanSummaryDataPro
                 return MathUtil.subtractToZero(currentRepaymentPeriod.get().getInterestOutstanding(loan.getCurrency()).getAmount(),
                         totalUnpaidPayableDueInterest);
             } else {
-                List<LoanTransaction> transactionsToReprocess = loan.retrieveListOfTransactionsForReprocessing().stream()
-                        .filter(t -> !t.isAccrualActivity()).toList();
-                Pair<ChangedTransactionDetail, ProgressiveLoanInterestScheduleModel> changedTransactionDetailProgressiveLoanInterestScheduleModelPair = advancedPaymentScheduleTransactionProcessor
-                        .reprocessProgressiveLoanTransactions(loan.getDisbursementDate(), businessDate, transactionsToReprocess,
-                                loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges());
-                ProgressiveLoanInterestScheduleModel model = changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getRight();
-                final List<Long> replayedTransactions = changedTransactionDetailProgressiveLoanInterestScheduleModelPair.getLeft()
-                        .getTransactionChanges().stream()
-                        .filter(change -> change.getOldTransaction() != null && change.getNewTransaction() != null)
-                        .map(change -> change.getNewTransaction().getId()).filter(Objects::nonNull).toList();
 
-                if (!replayedTransactions.isEmpty()) {
+                Optional<ProgressiveLoanInterestScheduleModel> savedModel = modelRepository.getSavedModel(loan, businessDate);
-                    log.warn("Reprocessed transactions show differences: There are unsaved changes of the following transactions: {}",
+
-                            replayedTransactions);
+                ProgressiveLoanInterestScheduleModel model = savedModel.orElseGet(() -> calculateModel(loan, businessDate));
-                }
                 if (model != null) {
                     OutstandingDetails outstandingDetails = emiCalculator.getOutstandingAmountsTillDate(model, businessDate);
                     if (!loan.isInterestRecalculationEnabled()) {

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

@@ -20,7 +20,9 @@ package org.apache.fineract.portfolio.loanaccount.service;
 
 import java.time.LocalDate;
 import java.util.List;
+import java.util.Optional;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.service.ThreadLocalContextUtil;
 import org.apache.fineract.portfolio.interestpauses.service.LoanAccountTransfersService;
 import org.apache.fineract.portfolio.loanaccount.data.TransactionChangeData;
 import org.apache.fineract.portfolio.loanaccount.domain.ChangedTransactionDetail;
@@ -31,6 +33,7 @@ import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentSchedulePro
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.MoneyHolder;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.TransactionCtx;
+import org.apache.fineract.portfolio.loanproduct.calc.data.ProgressiveLoanInterestScheduleModel;
 import org.springframework.stereotype.Service;
 
 @Service
@@ -40,7 +43,8 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
     private final LoanAccountService loanAccountService;
     private final LoanAccountTransfersService loanAccountTransfersService;
     private final ReplayedTransactionBusinessEventService replayedTransactionBusinessEventService;
-    private final LoanTransactionProcessingService loadTransactionProcessingService;
+    private final LoanTransactionProcessingService loanTransactionProcessingService;
+    private final InterestScheduleModelRepositoryWrapper interestScheduleModelRepositoryWrapper;
 
     @Override
     public void reprocessTransactions(final Loan loan) {
@@ -65,7 +69,7 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
 
     @Override
     public void processPostDisbursementTransactions(final Loan loan) {
-        loadTransactionProcessingService.processPostDisbursementTransactions(loan).ifPresent(this::handleChangedDetail);
+        loanTransactionProcessingService.processPostDisbursementTransactions(loan).ifPresent(this::handleChangedDetail);
     }
 
     @Override
@@ -98,7 +102,7 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
 
     @Override
     public void processLatestTransaction(final LoanTransaction loanTransaction, final Loan loan) {
-        final ChangedTransactionDetail changedTransactionDetail = loadTransactionProcessingService.processLatestTransaction(
+        final ChangedTransactionDetail changedTransactionDetail = loanTransactionProcessingService.processLatestTransaction(
                 loan.getTransactionProcessingStrategyCode(), loanTransaction,
                 new TransactionCtx(loan.getCurrency(), loan.getRepaymentScheduleInstallments(), loan.getActiveCharges(),
                         new MoneyHolder(loan.getTotalOverpaidAsMoney()), new ChangedTransactionDetail()));
@@ -110,6 +114,15 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
         handleChangedDetail(changedTransactionDetail);
     }
 
+    @Override
+    public void updateModel(Loan loan) {
+        Optional<ProgressiveLoanInterestScheduleModel> savedModel = interestScheduleModelRepositoryWrapper.getSavedModel(loan,
+                ThreadLocalContextUtil.getBusinessDate());
+        if (savedModel.isEmpty()) {
+            reprocessTransactions(loan);
+        }
+    }
+
     private void handleChangedDetail(final ChangedTransactionDetail changedTransactionDetail) {
         for (TransactionChangeData change : changedTransactionDetail.getTransactionChanges()) {
             final LoanTransaction newTransaction = change.getNewTransaction();
@@ -126,7 +139,7 @@ public class ReprocessLoanTransactionsServiceImpl implements ReprocessLoanTransa
 
     private ChangedTransactionDetail reprocessTransactionsAndFetchChangedTransactions(final Loan loan,
             final List<LoanTransaction> loanTransactions) {
-        final ChangedTransactionDetail changedTransactionDetail = loadTransactionProcessingService.reprocessLoanTransactions(
+        final ChangedTransactionDetail changedTransactionDetail = loanTransactionProcessingService.reprocessLoanTransactions(
                 loan.getTransactionProcessingStrategyCode(), loan.getDisbursementDate(), loanTransactions, loan.getCurrency(),
                 loan.getRepaymentScheduleInstallments(), loan.getActiveCharges());
         for (TransactionChangeData change : changedTransactionDetail.getTransactionChanges()) {

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

@@ -23,17 +23,33 @@ import java.util.List;
 import org.apache.fineract.client.models.GetLoansLoanIdResponse;
 import org.apache.fineract.client.models.PostLoanProductsResponse;
 import org.apache.fineract.client.models.PostLoansResponse;
+import org.apache.fineract.integrationtests.common.BusinessStepHelper;
 import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.junit.jupiter.api.AfterAll;
 import org.junit.jupiter.api.Assertions;
+import org.junit.jupiter.api.BeforeAll;
 import org.junit.jupiter.api.Test;
 
 public class LoanSummaryTest extends BaseLoanIntegrationTest {
 
+    private static BusinessStepHelper.BusinessStepsSnapshot originalConfig;
+    private static final BusinessStepHelper businessStepHelper = new BusinessStepHelper();
     Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
     Long loanId;
 
+    @BeforeAll
+    static void setup() {
+        originalConfig = businessStepHelper.getConfigurationSnapshot("LOAN_CLOSE_OF_BUSINESS");
+    }
+
+    @AfterAll
+    public static void teardown() {
+        originalConfig.restore();
+    }
+
     @Test
     public void testUnpaidPayableNotDueInterestForProgressiveLoanInCaseOfEarlyRepayment() {
+        businessStepHelper.updateSteps("LOAN_CLOSE_OF_BUSINESS", "ADD_PERIODIC_ACCRUAL_ENTRIES", "LOAN_INTEREST_RECALCULATION");
         runAt("1 January 2024", () -> {
             final PostLoanProductsResponse loanProductsResponse = loanProductHelper.createLoanProduct(create4IProgressive());
             PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(applyLP2ProgressiveLoanRequest(clientId,
@@ -98,6 +114,7 @@ public class LoanSummaryTest extends BaseLoanIntegrationTest {
 
     @Test
     public void testUnpaidPayableNotDueInterestForProgressiveLoanInCaseOfEarlyRepaymentAlmostFullyPaid2ndPeriod() {
+        businessStepHelper.updateSteps("LOAN_CLOSE_OF_BUSINESS", "LOAN_INTEREST_RECALCULATION");
         runAt("15 March 2025", () -> {
             final PostLoanProductsResponse loanProductsResponse = loanProductHelper.createLoanProduct(
                     create4IProgressive().interestRatePerPeriod(35.99).numberOfRepayments(12).isInterestRecalculationEnabled(true));

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

@@ -18,10 +18,16 @@
  */
 package org.apache.fineract.integrationtests;
 
+import java.math.BigDecimal;
+import java.util.concurrent.atomic.AtomicLong;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.client.models.GetLoansLoanIdResponse;
 import org.apache.fineract.client.models.ProgressiveLoanInterestScheduleModel;
 import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.junit.jupiter.api.Assertions;
 import org.junit.jupiter.api.Test;
 
+@Slf4j
 public class ProgressiveLoanModelIntegrationTest extends BaseLoanIntegrationTest {
 
     private final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
@@ -29,26 +35,56 @@ public class ProgressiveLoanModelIntegrationTest extends BaseLoanIntegrationTest
             .getResourceId();
 
     @Test
-    public void testModelReturnsNullAndThenSaveThenNotNull() {
+    public void testModelReturnsSavedModelAfterDisbursement() {
+        AtomicLong loanIdA = new AtomicLong();
         runAt("1 January 2024", () -> {
             Long loanId = applyAndApproveProgressiveLoan(clientId, loanProductId, "1 January 2024", 1000.0, 96.32, 6, null);
+            loanIdA.set(loanId);
+            log.info("Testing on loanId: {}", loanId);
             loanTransactionHelper.disburseLoan(loanId, "1 January 2024", 1000.0);
+            // Model saved automatically, fetching it. It should return non null
+            ProgressiveLoanInterestScheduleModel model = assertNotNullAndChanged(null, loanId);
+            loanTransactionHelper.makeLoanRepayment(loanId, "Repayment", "1 January 2024", 12.78);
+            model = assertNotNullAndChanged(model, loanId);
+            assertNotNullAndSame(model, loanId);
+        });
+        runAt("28 February 2024", () -> {
+            Long loanId = loanIdA.get();
+            GetLoansLoanIdResponse loanDetails = loanTransactionHelper.getLoanDetails(loanId);
+            BigDecimal totalUnpaidPayableNotDueInterest = loanDetails.getSummary().getTotalUnpaidPayableNotDueInterest();
+            BigDecimal totalUnpaidDueInterest = loanDetails.getSummary().getTotalUnpaidPayableDueInterest();
 
-            // Model not saved, fetching it. It should return null
+            Assertions.assertEquals(73.78, totalUnpaidPayableNotDueInterest.doubleValue(), 0.001);
-            ProgressiveLoanInterestScheduleModel progressiveLoanInterestScheduleModelResponse1 = ok(
+            Assertions.assertEquals(79.24, totalUnpaidDueInterest.doubleValue(), 0.001);
-                    fineractClient().progressiveLoanApi.fetchModel(loanId));
-
-            assertThat(progressiveLoanInterestScheduleModelResponse1).isNull();
-
-            // Forcing Model recalculation and save to database. It should return the actual model.
-            ProgressiveLoanInterestScheduleModel ok = ok(fineractClient().progressiveLoanApi.updateModel(loanId));
-            assertThat(ok).isNotNull();
-
-            // Model saved in previous step. API should return the previous model.
-            ProgressiveLoanInterestScheduleModel progressiveLoanInterestScheduleModelResponse2 = ok(
-                    fineractClient().progressiveLoanApi.fetchModel(loanId));
-            assertThat(progressiveLoanInterestScheduleModelResponse2).isNotNull();
         });
     }
 
+    private ProgressiveLoanInterestScheduleModel assertNotNullAndChanged(ProgressiveLoanInterestScheduleModel prev, Long loanId) {
+        return assertNotNullAndChanged(prev, ok(fineractClient().progressiveLoanApi.fetchModel(loanId)));
+    }
+
+    private ProgressiveLoanInterestScheduleModel assertNotNullAndSame(ProgressiveLoanInterestScheduleModel prev, Long loanId) {
+        return assertNotNullAndSame(prev, ok(fineractClient().progressiveLoanApi.fetchModel(loanId)));
+    }
+
+    private ProgressiveLoanInterestScheduleModel assertNotNullAndSame(ProgressiveLoanInterestScheduleModel prev,
+            ProgressiveLoanInterestScheduleModel actual) {
+        if (actual == null) {
+            Assertions.fail("Model is null");
+        }
+        Assertions.assertEquals(prev.toString(), actual.toString());
+        return actual;
+    }
+
+    private ProgressiveLoanInterestScheduleModel assertNotNullAndChanged(ProgressiveLoanInterestScheduleModel prev,
+            ProgressiveLoanInterestScheduleModel actual) {
+        if (actual == null) {
+            Assertions.fail("Model is null");
+        }
+        if (prev != null) {
+            Assertions.assertNotEquals(prev.toString(), actual.toString());
+        }
+        return actual;
+    }
+
 }

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

@@ -20,6 +20,8 @@ package org.apache.fineract.integrationtests.common;
 
 import java.util.ArrayList;
 import java.util.List;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
 import org.apache.fineract.client.models.BusinessStep;
 import org.apache.fineract.client.models.BusinessStepRequest;
 import org.apache.fineract.client.util.Calls;
@@ -28,6 +30,13 @@ public class BusinessStepHelper {
 
     public BusinessStepHelper() {}
 
+    public BusinessStepsSnapshot getConfigurationSnapshot(String jobName) {
+        List<BusinessStep> businessSteps = Calls
+                .ok(FineractClientHelper.getFineractClient().businessStepConfiguration.retrieveAllConfiguredBusinessStep(jobName))
+                .getBusinessSteps();
+        return new BusinessStepsSnapshot(jobName, businessSteps);
+    }
+
     public void updateSteps(String jobName, String... steps) {
         long order = 0;
         List<BusinessStep> stepList = new ArrayList<>();
@@ -41,4 +50,17 @@ public class BusinessStepHelper {
         Calls.ok(FineractClientHelper.getFineractClient().businessStepConfiguration.updateJobBusinessStepConfig(jobName,
                 new BusinessStepRequest().businessSteps(stepList)));
     }
+
+    @Getter
+    @AllArgsConstructor
+    public static class BusinessStepsSnapshot {
+
+        private String jobName;
+        private List<BusinessStep> businessSteps;
+
+        public void restore() {
+            Calls.ok(FineractClientHelper.getFineractClient().businessStepConfiguration.updateJobBusinessStepConfig(jobName,
+                    new BusinessStepRequest().businessSteps(businessSteps)));
+        }
+    }
 }