implemented the Edit prodict functionality for the RD,FD,DDS,LIC

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/serialization/ProductToGLAccountMappingFromApiJsonDeserializer.java

@@ -113,7 +113,7 @@ public final class ProductToGLAccountMappingFromApiJsonDeserializer {
             final Long incomeFromRecoveryAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue(), element);
             baseDataValidator.reset().parameter(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue())
-                    .value(incomeFromRecoveryAccountId).notNull().integerGreaterThanZero();
+                    .value(incomeFromRecoveryAccountId).ignoreIfNull().integerGreaterThanZero();
 
             final Long writeOffAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.LOSSES_WRITTEN_OFF.getValue(), element);
@@ -128,7 +128,7 @@ public final class ProductToGLAccountMappingFromApiJsonDeserializer {
             final Long transfersInSuspenseAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), element);
             baseDataValidator.reset().parameter(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue())
-                    .value(transfersInSuspenseAccountId).notNull().integerGreaterThanZero();
+                    .value(transfersInSuspenseAccountId).ignoreIfNull().integerGreaterThanZero();
 
         }
 

fineract-core/src/main/java/org/apache/fineract/portfolio/delinquency/domain/DelinquencyRange.java

@@ -46,17 +46,27 @@ public class DelinquencyRange extends AbstractAuditableWithUTCDateTimeCustom<Lon
     @Column(name = "max_age_days", nullable = true)
     private Integer maximumAgeDays;
 
+    /**
+     * Which ECL stage (1, 2 or 3) this range maps to under the RBI 2026 Directions. Nullable for ranges created
+     * before this column existed; a range with no stage is treated as informational only and does not drive
+     * staging or provisioning.
+     */
+    @Column(name = "stage", nullable = true)
+    private Integer stage;
+
     @Version
     private Long version;
 
-    protected DelinquencyRange(@NotNull String classification, @NotNull Integer minimumAgeDays, Integer maximumAgeDays) {
+    protected DelinquencyRange(@NotNull String classification, @NotNull Integer minimumAgeDays, Integer maximumAgeDays, Integer stage) {
         this.classification = classification;
         this.minimumAgeDays = minimumAgeDays;
         this.maximumAgeDays = maximumAgeDays;
+        this.stage = stage;
     }
 
-    public static DelinquencyRange instance(@NotNull String classification, @NotNull Integer minimumAge, Integer maximumAge) {
-        return new DelinquencyRange(classification, minimumAge, maximumAge);
+    public static DelinquencyRange instance(@NotNull String classification, @NotNull Integer minimumAge, Integer maximumAge,
+            Integer stage) {
+        return new DelinquencyRange(classification, minimumAge, maximumAge, stage);
     }
 
 }

fineract-loan/src/main/java/org/apache/fineract/accounting/productaccountmapping/service/LoanProductToGLAccountMappingHelper.java

@@ -53,12 +53,20 @@ public class LoanProductToGLAccountMappingHelper extends ProductToGLAccountMappi
                 paymentTypeRepositoryWrapper, codeValueRepository);
     }
 
+    /** Only the GLs the request names are mapped; the bank maps nine and leaves the other placeholders unmapped. */
+    private boolean isMapped(final JsonElement element, final String paramName) {
+        return this.fromApiJsonHelper.extractLongNamed(paramName, element) != null;
+    }
+
     /***
      * Set of abstractions for saving Loan Products to GL Account Mappings
      ***/
 
     public void saveLoanToAssetAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.ASSET, PortfolioProductType.LOAN);
     }
 
@@ -72,16 +80,25 @@ public class LoanProductToGLAccountMappingHelper extends ProductToGLAccountMappi
 
     public void saveLoanToIncomeAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.INCOME, PortfolioProductType.LOAN);
     }
 
     public void saveLoanToExpenseAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.EXPENSE, PortfolioProductType.LOAN);
     }
 
     public void saveLoanToLiabilityAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.LIABILITY, PortfolioProductType.LOAN);
     }
 

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/api/DelinquencyApiConstants.java

@@ -29,6 +29,7 @@ public final class DelinquencyApiConstants {
     public static final String RANGES_PARAM_NAME = "ranges";
     public static final String MINIMUMAGEDAYS_PARAM_NAME = "minimumAgeDays";
     public static final String MAXIMUMAGEDAYS_PARAM_NAME = "maximumAgeDays";
+    public static final String STAGE_PARAM_NAME = "stage";
     public static final String LOCALE_PARAM_NAME = "locale";
 
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/api/DelinquencyRangeRequest.java

@@ -35,5 +35,6 @@ public class DelinquencyRangeRequest implements Serializable {
     private String classification;
     private Integer minimumAgeDays;
     private Integer maximumAgeDays;
+    private Integer stage;
     private String locale;
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/data/DelinquencyRangeData.java

@@ -34,13 +34,15 @@ public class DelinquencyRangeData implements Serializable {
     private String classification;
     private Integer minimumAgeDays;
     private Integer maximumAgeDays;
+    /** ECL stage (1, 2 or 3) this range maps to under the RBI 2026 Directions; null on ranges predating this field. */
+    private Integer stage;
 
-    public static DelinquencyRangeData instance(String classification, Integer minimumAgeDays, Integer maximumAgeDays) {
-        return new DelinquencyRangeData(null, classification, minimumAgeDays, maximumAgeDays);
+    public static DelinquencyRangeData instance(String classification, Integer minimumAgeDays, Integer maximumAgeDays, Integer stage) {
+        return new DelinquencyRangeData(null, classification, minimumAgeDays, maximumAgeDays, stage);
     }
 
     public static DelinquencyRangeData reference(Long id) {
-        return new DelinquencyRangeData(id, "", 0, 0);
+        return new DelinquencyRangeData(id, "", 0, 0, null);
     }
 
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyWritePlatformServiceImpl.java

@@ -305,7 +305,7 @@ public class DelinquencyWritePlatformServiceImpl implements DelinquencyWritePlat
                 throw new DelinquencyRangeInvalidAgesException(errorMessage, data.getMinimumAgeDays(), data.getMaximumAgeDays());
             }
             DelinquencyRange newDelinquencyRange = DelinquencyRange.instance(data.getClassification(), data.getMinimumAgeDays(),
-                    data.getMaximumAgeDays());
+                    data.getMaximumAgeDays(), data.getStage());
             return repositoryRange.saveAndFlush(newDelinquencyRange);
         } else {
             throw new PlatformDataIntegrityException("error.msg.data.integrity.issue.entity.duplicated",
@@ -327,6 +327,10 @@ public class DelinquencyWritePlatformServiceImpl implements DelinquencyWritePlat
             delinquencyRange.setMaximumAgeDays(data.getMaximumAgeDays());
             changes.put(DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, data.getMaximumAgeDays());
         }
+        if (!java.util.Objects.equals(data.getStage(), delinquencyRange.getStage())) {
+            delinquencyRange.setStage(data.getStage());
+            changes.put(DelinquencyApiConstants.STAGE_PARAM_NAME, data.getStage());
+        }
         if (!changes.isEmpty()) {
             delinquencyRange = repositoryRange.saveAndFlush(delinquencyRange);
         }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyRangeParseAndValidator.java

@@ -56,7 +56,8 @@ public class DelinquencyRangeParseAndValidator extends ParseAndValidator {
 
         jsonHelper.checkForUnsupportedParameters(element,
                 List.of(DelinquencyApiConstants.CLASSIFICATION_PARAM_NAME, DelinquencyApiConstants.MINIMUMAGEDAYS_PARAM_NAME,
-                        DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, DelinquencyApiConstants.LOCALE_PARAM_NAME));
+                        DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, DelinquencyApiConstants.STAGE_PARAM_NAME,
+                        DelinquencyApiConstants.LOCALE_PARAM_NAME));
 
         final String localeValue = jsonHelper.extractStringNamed(DelinquencyApiConstants.LOCALE_PARAM_NAME, element);
         dataValidator.reset().parameter(DelinquencyApiConstants.LOCALE_PARAM_NAME).value(localeValue).notBlank();
@@ -65,13 +66,15 @@ public class DelinquencyRangeParseAndValidator extends ParseAndValidator {
         final String classification = jsonHelper.extractStringNamed(DelinquencyApiConstants.CLASSIFICATION_PARAM_NAME, element);
         final Integer minimumAge = jsonHelper.extractIntegerNamed(DelinquencyApiConstants.MINIMUMAGEDAYS_PARAM_NAME, element, locale);
         final Integer maximumAge = jsonHelper.extractIntegerNamed(DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, element, locale);
+        final Integer stage = jsonHelper.extractIntegerNamed(DelinquencyApiConstants.STAGE_PARAM_NAME, element, locale);
         dataValidator.reset().parameter(DelinquencyApiConstants.CLASSIFICATION_PARAM_NAME).value(classification).notBlank();
         dataValidator.reset().parameter(DelinquencyApiConstants.MINIMUMAGEDAYS_PARAM_NAME).value(minimumAge).notBlank()
                 .integerGreaterThanNumber(0);
         dataValidator.reset().parameter(DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME).value(maximumAge).ignoreIfNull()
                 .integerGreaterThanNumber(0);
+        dataValidator.reset().parameter(DelinquencyApiConstants.STAGE_PARAM_NAME).value(stage).ignoreIfNull().inMinMaxRange(1, 3);
 
-        return dataValidator.hasError() ? null : DelinquencyRangeData.instance(classification, minimumAge, maximumAge);
+        return dataValidator.hasError() ? null : DelinquencyRangeData.instance(classification, minimumAge, maximumAge, stage);
     }
 
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductAdvanceExt.java

@@ -137,6 +137,31 @@ public class LoanProductAdvanceExt {
     @Column(name = "npa_trigger")
     private String npaTrigger;
 
+    /** Months after disbursement before overdue days (SMA) start counting: Advances 9, Loans (EMI) 1. */
+    @Column(name = "sma_start_after_months")
+    private Integer smaStartAfterMonths;
+
+    /** CC/OD: stock statement older than this many days makes drawings an NPA trigger (RBI: 90). */
+    @Column(name = "stock_statement_validity_days")
+    private Integer stockStatementValidityDays;
+
+    // ---- common eligibility & document checklist (Advances and Loans) ----
+    @Column(name = "elig_member_required")
+    private Boolean memberRequired;
+
+    @Column(name = "elig_guarantor_must_be_member")
+    private Boolean guarantorMustBeMember;
+
+    @Column(name = "elig_income_multiple")
+    private BigDecimal incomeMultiple;
+
+    @Column(name = "elig_min_vintage_months")
+    private Integer minVintageMonths;
+
+    /** Comma separated document codes the borrower must submit for this product. */
+    @Column(name = "required_documents", length = 1000)
+    private String requiredDocuments;
+
     @Column(name = "interest_after_npa")
     private String interestAfterNpa;
 
@@ -464,6 +489,43 @@ public class LoanProductAdvanceExt {
     @Column(name = "loan_balance_transfer_out_allowed")
     private Boolean balanceTransferOutAllowed;
 
+    // ---- SICR & LGD (RBI 2026 ECL framework; floor % itself lives in the Prudential Floor master, not here) ----
+    @Column(name = "sicr_days_threshold")
+    private Integer sicrDaysThreshold;
+
+    @Column(name = "sicr_revolving_days_threshold")
+    private Integer sicrRevolvingDaysThreshold;
+
+    @Column(name = "sicr_rating_downgrade_notches")
+    private Integer sicrRatingDowngradeNotches;
+
+    @Column(name = "sicr_pricing_increase_trigger_pct")
+    private BigDecimal sicrPricingIncreaseTriggerPct;
+
+    @Column(name = "sicr_assessment_basis")
+    private String sicrAssessmentBasis;
+
+    @Column(name = "sicr_rebuttal_allowed")
+    private Boolean sicrRebuttalAllowed;
+
+    @Column(name = "npa_out_of_order_basis")
+    private String npaOutOfOrderBasis;
+
+    @Column(name = "crop_duration")
+    private String cropDuration;
+
+    @Column(name = "use_own_lgd_model")
+    private Boolean useOwnLgdModel;
+
+    @Column(name = "lgd_secured_pct")
+    private BigDecimal lgdSecuredPct;
+
+    @Column(name = "lgd_unsecured_pct")
+    private BigDecimal lgdUnsecuredPct;
+
+    @Column(name = "eligible_collateral_type")
+    private String eligibleCollateralType;
+
     public LoanProductAdvanceExt(final LoanProduct loanProduct) {
         this.loanProduct = loanProduct;
         this.loanProductId = loanProduct.getId();

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/data/PrudentialFloorData.java

@@ -0,0 +1,41 @@
+/**
+ * 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.prudentialfloor.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.Setter;
+import lombok.ToString;
+
+@ToString
+@AllArgsConstructor
+@Getter
+@Setter
+public class PrudentialFloorData implements Serializable {
+
+    private Long id;
+    private String productCategory;
+    private Integer stage;
+    private Integer durationFromDays;
+    private Integer durationToDays;
+    private BigDecimal securedFloorPct;
+    private BigDecimal unsecuredFloorPct;
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/domain/PrudentialFloor.java

@@ -0,0 +1,102 @@
+/**
+ * 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.prudentialfloor.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import jakarta.persistence.Version;
+import jakarta.validation.constraints.NotNull;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/**
+ * One row of the RBI 2026 ECL "prudential floor" table (Directions para 82): the minimum provisioning percentage
+ * a bank must hold for a given loan product category and stage. Seeded centrally from the regulation rather than
+ * entered per product - a loan product only ever declares its category ({@code loanProductCategory} on
+ * {@link org.apache.fineract.portfolio.loanproduct.domain.LoanProductAdvanceExt}) and its stage (via its
+ * Delinquency Bucket); the applicable floor % is always looked up here, never duplicated onto the product or the
+ * range.
+ *
+ * Stage 1 and Stage 2 rows apply regardless of duration ({@code durationFromDays}/{@code durationToDays} are
+ * null and {@code securedFloorPct} equals {@code unsecuredFloorPct}, since the Directions do not split those two
+ * stages by security). Stage 3 rows are further split by how long the exposure has been in Stage 3
+ * ({@code durationToDays} null means "and beyond") and by secured/unsecured portion.
+ */
+@Getter
+@Setter
+@NoArgsConstructor
+@Entity
+@Table(name = "m_prudential_floor")
+public class PrudentialFloor extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "product_category", nullable = false)
+    private String productCategory;
+
+    /** 1, 2 or 3. */
+    @Column(name = "stage", nullable = false)
+    private Integer stage;
+
+    @Column(name = "duration_from_days", nullable = true)
+    private Integer durationFromDays;
+
+    /** Null means open-ended ("after 4 years" etc.). */
+    @Column(name = "duration_to_days", nullable = true)
+    private Integer durationToDays;
+
+    @Column(name = "secured_floor_pct", nullable = false)
+    private BigDecimal securedFloorPct;
+
+    @Column(name = "unsecured_floor_pct", nullable = false)
+    private BigDecimal unsecuredFloorPct;
+
+    @Version
+    private Long version;
+
+    private PrudentialFloor(@NotNull String productCategory, @NotNull Integer stage, Integer durationFromDays, Integer durationToDays,
+            @NotNull BigDecimal securedFloorPct, @NotNull BigDecimal unsecuredFloorPct) {
+        this.productCategory = productCategory;
+        this.stage = stage;
+        this.durationFromDays = durationFromDays;
+        this.durationToDays = durationToDays;
+        this.securedFloorPct = securedFloorPct;
+        this.unsecuredFloorPct = unsecuredFloorPct;
+    }
+
+    public static PrudentialFloor instance(@NotNull String productCategory, @NotNull Integer stage, Integer durationFromDays,
+            Integer durationToDays, @NotNull BigDecimal securedFloorPct, @NotNull BigDecimal unsecuredFloorPct) {
+        return new PrudentialFloor(productCategory, stage, durationFromDays, durationToDays, securedFloorPct, unsecuredFloorPct);
+    }
+
+    /** True when {@code daysInStage} falls within this row's duration band (always true for a Stage 1/2 row). */
+    public boolean coversDuration(Integer daysInStage) {
+        if (this.durationFromDays == null) {
+            return true;
+        }
+        if (daysInStage == null) {
+            return false;
+        }
+        boolean aboveFrom = daysInStage >= this.durationFromDays;
+        boolean belowTo = this.durationToDays == null || daysInStage <= this.durationToDays;
+        return aboveFrom && belowTo;
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/domain/PrudentialFloorRepository.java

@@ -0,0 +1,29 @@
+/**
+ * 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.prudentialfloor.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface PrudentialFloorRepository extends JpaRepository<PrudentialFloor, Long> {
+
+    List<PrudentialFloor> findByProductCategoryAndStage(String productCategory, Integer stage);
+
+    List<PrudentialFloor> findByProductCategoryOrderByStageAscDurationFromDaysAsc(String productCategory);
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/mapper/PrudentialFloorMapper.java

@@ -0,0 +1,33 @@
+/**
+ * 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.prudentialfloor.mapper;
+
+import java.util.List;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.prudentialfloor.data.PrudentialFloorData;
+import org.apache.fineract.portfolio.prudentialfloor.domain.PrudentialFloor;
+import org.mapstruct.Mapper;
+
+@Mapper(config = MapstructMapperConfig.class)
+public interface PrudentialFloorMapper {
+
+    PrudentialFloorData map(PrudentialFloor source);
+
+    List<PrudentialFloorData> map(List<PrudentialFloor> sources);
+}

fineract-provider/src/main/java/org/apache/fineract/commands/api/MakercheckersApiResource.java

@@ -79,6 +79,17 @@ public class MakercheckersApiResource {
 
     }
 
+    @GET
+    @Path("/mine")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List my pending Maker Checker Entries", description = "Requests the requestor submitted that still await approval. Unlike the checker inbox it needs no checker permission, so a maker can see what is pending. Example: makercheckers/mine?entityName=LOANPRODUCT")
+    public List<AuditData> retrieveMyPendingCommands(@Context final UriInfo uriInfo, @BeanParam MakerCheckerRequest makerCheckerRequest) {
+        final SQLBuilder extraCriteria = getExtraCriteria(makerCheckerRequest);
+        final ApiRequestJsonSerializationSettings settings = apiRequestParameterHelper.process(uriInfo.getQueryParameters());
+        return readPlatformService.retrieveMyPendingEntries(extraCriteria, settings.isIncludeJson());
+    }
+
     @GET
     @Path("/searchtemplate")
     @Consumes({ MediaType.APPLICATION_JSON })

fineract-provider/src/main/java/org/apache/fineract/commands/service/AuditReadPlatformService.java

@@ -33,6 +33,9 @@ public interface AuditReadPlatformService {
 
     List<AuditData> retrieveAllEntriesToBeChecked(SQLBuilder extraCriteria, boolean includeJson);
 
+    /** Requests the current user submitted that still await a checker, whatever the user's own checker permissions. */
+    List<AuditData> retrieveMyPendingEntries(SQLBuilder extraCriteria, boolean includeJson);
+
     AuditData retrieveAuditEntry(Long auditId);
 
     AuditSearchData retrieveSearchTemplate(String useType);

fineract-provider/src/main/java/org/apache/fineract/commands/service/AuditReadPlatformServiceImpl.java

@@ -214,10 +214,17 @@ public class AuditReadPlatformServiceImpl implements AuditReadPlatformService {
         return retrieveEntries("makerchecker", extraCriteria, " order by aud.id, mk.username", includeJson);
     }
 
+    @Override
+    public List<AuditData> retrieveMyPendingEntries(final SQLBuilder extraCriteria, final boolean includeJson) {
+        extraCriteria.addCriteria("aud.status = ", 2);
+        extraCriteria.addCriteria("aud.maker_id = ", this.context.authenticatedUser().getId());
+        return retrieveEntries("makerchecker-mine", extraCriteria, " order by aud.id, mk.username", includeJson);
+    }
+
     private List<AuditData> retrieveEntries(final String useType, final SQLBuilder extraCriteria, final String groupAndOrderBySQL,
             final boolean includeJson) {
 
-        if ((!useType.equals("audit") && !useType.equals("makerchecker"))) {
+        if ((!useType.equals("audit") && !useType.equals("makerchecker") && !useType.equals("makerchecker-mine"))) {
             throw new PlatformDataIntegrityException("error.msg.invalid.auditSearchTemplate.useType",
                     "Invalid Audit Search Template UseType: " + useType);
         }

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

@@ -679,8 +679,9 @@ public final class LoanProductDataValidator {
 
             final Long transfersInSuspenseAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), element);
+            // not mapped by the bank (only the nine GLs are); optional
             baseDataValidator.reset().parameter(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue())
-                    .value(transfersInSuspenseAccountId).notNull().integerGreaterThanZero();
+                    .value(transfersInSuspenseAccountId).ignoreIfNull().integerGreaterThanZero();
 
             final Long incomeFromInterestId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.INTEREST_ON_LOANS.getValue(), element);
@@ -700,7 +701,7 @@ public final class LoanProductDataValidator {
             final Long incomeFromRecoveryAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue(), element);
             baseDataValidator.reset().parameter(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue())
-                    .value(incomeFromRecoveryAccountId).notNull().integerGreaterThanZero();
+                    .value(incomeFromRecoveryAccountId).ignoreIfNull().integerGreaterThanZero();
 
             final Long writeOffAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.LOSSES_WRITTEN_OFF.getValue(), element);

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanProductAdvanceExtService.java

@@ -43,7 +43,8 @@ public class LoanProductAdvanceExtService {
             "securityType", "chargeType", "eligibleAmountBasis", "margin", "ltv", "dpMethod", "lienRequired",
             "lienMarkingStage", "lienCertificateRequired", "lienCertificatePrefix", "printCertificateOnDisbursement",
             "interestBasis", "spread", "interestChargedOn", "interestPostingFrequency", "penalApplicable", "penalRate",
-            "penalAppliedOn", "penalGraceDays", "npaTrigger", "interestAfterNpa", "undebitedInterestGlId",
+            "penalAppliedOn", "penalGraceDays", "npaTrigger", "smaStartAfterMonths", "stockStatementValidityDays", "memberRequired", "guarantorMustBeMember",
+            "incomeMultiple", "minVintageMonths", "requiredDocuments", "interestAfterNpa", "undebitedInterestGlId",
             "renewalAllowed", "renewalPeriodMonths", "renewalGraceDays", "preclosureAllowed", "lockInMonths",
             "interestOnPreclosure", "revaluationFreqMonths", "insuranceRequired", "stockStatementFreqMonths",
             "chequeBookEnabled", "chequeType", "defaultChequeBookSize", "ppsThreshold", "ppsMandatoryAbove",
@@ -76,7 +77,11 @@ public class LoanProductAdvanceExtService {
             "partPrepaymentAllowed", "minPartPayment", "allowedOn", "partPaymentsPerYear",
             "partPrepaymentMode", "foreclosureFloatingIndividual", "foreclosureFixedIndividual", "foreclosureNonIndividual",
             "foreclosureTakeover", "foreclosureQuoteValidDays", "autoCloseOnZeroBalance", "nocLetter",
-            "restructuring", "releaseCollateralOnClosure", "topUpAllowed", "balanceTransferOutAllowed" };
+            "restructuring", "releaseCollateralOnClosure", "topUpAllowed", "balanceTransferOutAllowed",
+            // SICR & LGD (RBI 2026 ECL framework)
+            "sicrDaysThreshold", "sicrRevolvingDaysThreshold", "sicrRatingDowngradeNotches", "sicrPricingIncreaseTriggerPct",
+            "sicrAssessmentBasis", "sicrRebuttalAllowed", "npaOutOfOrderBasis", "cropDuration", "useOwnLgdModel", "lgdSecuredPct",
+            "lgdUnsecuredPct", "eligibleCollateralType" };
 
     /**
      * Insert or partial-update the satellite for this product. Returns the fields that actually changed so the
@@ -155,6 +160,14 @@ public class LoanProductAdvanceExtService {
         setString(command, "penalAppliedOn", ext::getPenalAppliedOn, ext::setPenalAppliedOn, changes);
         setInteger(command, "penalGraceDays", ext::getPenalGraceDays, ext::setPenalGraceDays, changes);
         setString(command, "npaTrigger", ext::getNpaTrigger, ext::setNpaTrigger, changes);
+        setInteger(command, "smaStartAfterMonths", ext::getSmaStartAfterMonths, ext::setSmaStartAfterMonths, changes);
+        setBoolean(command, "memberRequired", ext::getMemberRequired, ext::setMemberRequired, changes);
+        setBoolean(command, "guarantorMustBeMember", ext::getGuarantorMustBeMember, ext::setGuarantorMustBeMember, changes);
+        setDecimal(command, "incomeMultiple", ext::getIncomeMultiple, ext::setIncomeMultiple, changes);
+        setInteger(command, "minVintageMonths", ext::getMinVintageMonths, ext::setMinVintageMonths, changes);
+        setString(command, "requiredDocuments", ext::getRequiredDocuments, ext::setRequiredDocuments, changes);
+        setInteger(command, "stockStatementValidityDays", ext::getStockStatementValidityDays,
+                ext::setStockStatementValidityDays, changes);
         setString(command, "interestAfterNpa", ext::getInterestAfterNpa, ext::setInterestAfterNpa, changes);
         setLong(command, "undebitedInterestGlId", ext::getUndebitedInterestGlId, ext::setUndebitedInterestGlId, changes);
         setBoolean(command, "renewalAllowed", ext::getRenewalAllowed, ext::setRenewalAllowed, changes);
@@ -289,6 +302,20 @@ public class LoanProductAdvanceExtService {
         setBoolean(command, "releaseCollateralOnClosure", ext::getReleaseCollateralOnClosure, ext::setReleaseCollateralOnClosure, changes);
         setBoolean(command, "topUpAllowed", ext::getTopUpAllowed, ext::setTopUpAllowed, changes);
         setBoolean(command, "balanceTransferOutAllowed", ext::getBalanceTransferOutAllowed, ext::setBalanceTransferOutAllowed, changes);
+        // SICR & LGD (RBI 2026 ECL framework)
+        setInteger(command, "sicrDaysThreshold", ext::getSicrDaysThreshold, ext::setSicrDaysThreshold, changes);
+        setInteger(command, "sicrRevolvingDaysThreshold", ext::getSicrRevolvingDaysThreshold, ext::setSicrRevolvingDaysThreshold, changes);
+        setInteger(command, "sicrRatingDowngradeNotches", ext::getSicrRatingDowngradeNotches, ext::setSicrRatingDowngradeNotches, changes);
+        setDecimal(command, "sicrPricingIncreaseTriggerPct", ext::getSicrPricingIncreaseTriggerPct, ext::setSicrPricingIncreaseTriggerPct,
+                changes);
+        setString(command, "sicrAssessmentBasis", ext::getSicrAssessmentBasis, ext::setSicrAssessmentBasis, changes);
+        setBoolean(command, "sicrRebuttalAllowed", ext::getSicrRebuttalAllowed, ext::setSicrRebuttalAllowed, changes);
+        setString(command, "npaOutOfOrderBasis", ext::getNpaOutOfOrderBasis, ext::setNpaOutOfOrderBasis, changes);
+        setString(command, "cropDuration", ext::getCropDuration, ext::setCropDuration, changes);
+        setBoolean(command, "useOwnLgdModel", ext::getUseOwnLgdModel, ext::setUseOwnLgdModel, changes);
+        setDecimal(command, "lgdSecuredPct", ext::getLgdSecuredPct, ext::setLgdSecuredPct, changes);
+        setDecimal(command, "lgdUnsecuredPct", ext::getLgdUnsecuredPct, ext::setLgdUnsecuredPct, changes);
+        setString(command, "eligibleCollateralType", ext::getEligibleCollateralType, ext::setEligibleCollateralType, changes);
     }
 
     // ---- typed setters: only write params that are present, and only report real changes ----------
@@ -403,6 +430,13 @@ public class LoanProductAdvanceExtService {
         map.put("penalAppliedOn", ext.getPenalAppliedOn());
         map.put("penalGraceDays", ext.getPenalGraceDays());
         map.put("npaTrigger", ext.getNpaTrigger());
+        map.put("smaStartAfterMonths", ext.getSmaStartAfterMonths());
+        map.put("memberRequired", ext.getMemberRequired());
+        map.put("guarantorMustBeMember", ext.getGuarantorMustBeMember());
+        map.put("incomeMultiple", ext.getIncomeMultiple());
+        map.put("minVintageMonths", ext.getMinVintageMonths());
+        map.put("requiredDocuments", ext.getRequiredDocuments());
+        map.put("stockStatementValidityDays", ext.getStockStatementValidityDays());
         map.put("interestAfterNpa", ext.getInterestAfterNpa());
         map.put("undebitedInterestGlId", ext.getUndebitedInterestGlId());
         map.put("renewalAllowed", ext.getRenewalAllowed());
@@ -509,6 +543,19 @@ public class LoanProductAdvanceExtService {
         map.put("releaseCollateralOnClosure", ext.getReleaseCollateralOnClosure());
         map.put("topUpAllowed", ext.getTopUpAllowed());
         map.put("balanceTransferOutAllowed", ext.getBalanceTransferOutAllowed());
+        // SICR & LGD (RBI 2026 ECL framework)
+        map.put("sicrDaysThreshold", ext.getSicrDaysThreshold());
+        map.put("sicrRevolvingDaysThreshold", ext.getSicrRevolvingDaysThreshold());
+        map.put("sicrRatingDowngradeNotches", ext.getSicrRatingDowngradeNotches());
+        map.put("sicrPricingIncreaseTriggerPct", ext.getSicrPricingIncreaseTriggerPct());
+        map.put("sicrAssessmentBasis", ext.getSicrAssessmentBasis());
+        map.put("sicrRebuttalAllowed", ext.getSicrRebuttalAllowed());
+        map.put("npaOutOfOrderBasis", ext.getNpaOutOfOrderBasis());
+        map.put("cropDuration", ext.getCropDuration());
+        map.put("useOwnLgdModel", ext.getUseOwnLgdModel());
+        map.put("lgdSecuredPct", ext.getLgdSecuredPct());
+        map.put("lgdUnsecuredPct", ext.getLgdUnsecuredPct());
+        map.put("eligibleCollateralType", ext.getEligibleCollateralType());
         return map;
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/prudentialfloor/api/PrudentialFloorsApiResource.java

@@ -0,0 +1,63 @@
+/**
+ * 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.prudentialfloor.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+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.Path;
+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.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.prudentialfloor.data.PrudentialFloorData;
+import org.apache.fineract.portfolio.prudentialfloor.service.PrudentialFloorReadPlatformService;
+import org.springframework.stereotype.Component;
+
+/**
+ * Read-only: this master is seeded from the RBI 2026 Directions (para 82) rather than created per bank, so it
+ * ships without a create/update command path for now - a Board-approved "tighten only" override is a follow-up.
+ */
+@RequiredArgsConstructor
+@Path("/v1/prudentialfloors")
+@Component
+@Tag(name = "Prudential Floor Master", description = "RBI 2026 ECL stage-wise prudential floor lookup, by loan product category")
+public class PrudentialFloorsApiResource {
+
+    private final PlatformSecurityContext securityContext;
+    private final PrudentialFloorReadPlatformService readPlatformService;
+    public static final String PRUDENTIAL_FLOOR = "PRUDENTIAL_FLOOR";
+
+    @GET
+    @Consumes({ MediaType.TEXT_HTML, MediaType.APPLICATION_JSON })
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "List all Prudential Floor rows", description = "Optionally filter by product category")
+    public List<PrudentialFloorData> getPrudentialFloors(
+            @QueryParam("productCategory") @Parameter(description = "productCategory") final String productCategory) {
+        securityContext.authenticatedUser().validateHasReadPermission(PRUDENTIAL_FLOOR);
+        if (productCategory == null || productCategory.isBlank()) {
+            return this.readPlatformService.retrieveAll();
+        }
+        return this.readPlatformService.retrieveForCategory(productCategory);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/prudentialfloor/service/PrudentialFloorReadPlatformService.java

@@ -0,0 +1,63 @@
+/**
+ * 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.prudentialfloor.service;
+
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.prudentialfloor.data.PrudentialFloorData;
+import org.apache.fineract.portfolio.prudentialfloor.domain.PrudentialFloor;
+import org.apache.fineract.portfolio.prudentialfloor.domain.PrudentialFloorRepository;
+import org.apache.fineract.portfolio.prudentialfloor.mapper.PrudentialFloorMapper;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Read-only lookup over the RBI 2026 prudential-floor master (para 82). A loan product never stores its own
+ * floor %: it declares a product category and a stage (the latter via its Delinquency Bucket), and the
+ * applicable floor is resolved here at reporting/provisioning time, so every product using the same category
+ * always sees the same, currently-seeded regulatory minimum.
+ */
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class PrudentialFloorReadPlatformService {
+
+    private final PrudentialFloorRepository repository;
+    private final PrudentialFloorMapper mapper;
+
+    public List<PrudentialFloorData> retrieveAll() {
+        return mapper.map(repository.findAll());
+    }
+
+    public List<PrudentialFloorData> retrieveForCategory(final String productCategory) {
+        return mapper.map(repository.findByProductCategoryOrderByStageAscDurationFromDaysAsc(productCategory));
+    }
+
+    /**
+     * The floor applicable to one exposure: for Stage 1/2 the single row for that category+stage; for Stage 3
+     * the row whose duration band contains {@code daysInStage} (days since the exposure entered Stage 3, not
+     * days overdue). Returns {@code null} when the category/stage/duration combination has not been seeded -
+     * callers should fall back to the residual "any other loan product category" floor (para 82 item (xv)) in
+     * that case rather than treat it as zero.
+     */
+    public PrudentialFloorData retrieveFloor(final String productCategory, final Integer stage, final Integer daysInStage) {
+        final List<PrudentialFloor> candidates = repository.findByProductCategoryAndStage(productCategory, stage);
+        return candidates.stream().filter(row -> row.coversDuration(daysInStage)).findFirst().map(mapper::map).orElse(null);
+    }
+}

fineract-provider/src/main/resources/db/changelog/tenant/changelog-tenant.xml

@@ -623,6 +623,13 @@
     <include file="parts/0595_seed_loan_rate_register_gl_accounts.xml" relativeToChangelogFile="true"/>
     <include file="parts/0596_enable_delinquency_maker_checker.xml" relativeToChangelogFile="true"/>
     <include file="parts/0597_add_loan_product_loans_ext_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0598_add_loan_product_sma_start_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0599_enable_loan_product_update_maker_checker.xml" relativeToChangelogFile="true"/>
+
+    <!-- RBI 2026 ECL framework: SMA/NPA asset classification, prudential floor master, SICR/LGD product config. -->
+    <include file="parts/0599_add_delinquency_range_stage.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0600_create_prudential_floor_master.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0601_add_loan_product_advance_ext_sicr_lgd_fields.xml" relativeToChangelogFile="true"/>
 
     <!-- DDS: the scheme's own tables, settings and permissions. Kept together and last, because
          each one builds on the core the block above sets up and none of it builds on DDS. -->

fineract-provider/src/main/resources/db/changelog/tenant/parts/0598_add_loan_product_sma_start_fields.xml

@@ -0,0 +1,39 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    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.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!-- SMA counting start (Advances: 9 months after disbursement, Loans/EMI: 1 month) and the CC/OD stock
+         statement validity window that feeds the NPA trigger. -->
+    <changeSet author="cbsnexora" id="0598_add_loan_product_sma_start_fields">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <column name="sma_start_after_months" type="INT"/>
+            <column name="stock_statement_validity_days" type="INT"/>
+            <column name="elig_member_required" type="BOOLEAN"/>
+            <column name="elig_guarantor_must_be_member" type="BOOLEAN"/>
+            <column name="elig_income_multiple" type="DECIMAL(10,2)"/>
+            <column name="elig_min_vintage_months" type="INT"/>
+            <column name="required_documents" type="VARCHAR(1000)"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0599_add_delinquency_range_stage.xml

@@ -0,0 +1,35 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    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.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!-- RBI 2026 ECL framework: a delinquency range only ever decided an SMA/NPA label by day-count; it now also
+         records which ECL stage (1, 2 or 3) that label maps to, so a product's bucket can drive staging directly
+         instead of a parallel lookup. Nullable: existing ranges keep working as plain labels until re-classified. -->
+    <changeSet author="cbsnexora" id="0599_add_delinquency_range_stage">
+        <addColumn tableName="m_delinquency_range">
+            <column name="stage" type="INT" defaultValueComputed="NULL"/>
+        </addColumn>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0599_enable_loan_product_update_maker_checker.xml

@@ -0,0 +1,45 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    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.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog
+                                       http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!--
+         Maker-checker on editing a loan or advance product.
+
+         Creating a product already goes to a checker (CREATE_LOANPRODUCT is gated). An edit changes rates,
+         limits, margin, GL accounts and lien rules that live accounts depend on, so it must not take effect on
+         one person's click either. UPDATE_LOANPRODUCT is gated with can_maker_checker = true: an edit lands in
+         m_portfolio_command_source as PENDING and is applied when a checker approves it. UPDATE_LOANPRODUCT_CHECKER
+         already exists and is what approving requires. Roles are left as they are.
+    -->
+
+    <changeSet id="0599_loan_product_update_maker_checker" author="cbsnexora" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE code = 'UPDATE_LOANPRODUCT';
+        </sql>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0600_create_prudential_floor_master.xml

@@ -0,0 +1,167 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    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.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!-- RBI 2026 ECL framework (Directions para 82): the stage-wise prudential floor, keyed by loan product
+         category rather than by loan product. Seeded below with a representative set of categories; the
+         remaining categories and the category-specific Stage 3 table variants (unsecured retail, housing/other
+         real estate, government-guaranteed) are a follow-up seed, not a schema change. created_by/
+         last_modified_by use 1 (the system user) since this is regulatory data, not something a maker entered. -->
+    <changeSet author="cbsnexora" id="0600_create_prudential_floor_master_table">
+        <createTable tableName="m_prudential_floor">
+            <column autoIncrement="true" name="id" type="BIGINT">
+                <constraints nullable="false" primaryKey="true"/>
+            </column>
+            <column name="product_category" type="VARCHAR(100)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="stage" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="duration_from_days" type="INT" defaultValueComputed="NULL"/>
+            <column name="duration_to_days" type="INT" defaultValueComputed="NULL"/>
+            <column name="secured_floor_pct" type="DECIMAL(19,6)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="unsecured_floor_pct" type="DECIMAL(19,6)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="created_by" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="created_on_utc" type="DATETIME">
+                <constraints nullable="false"/>
+            </column>
+            <column name="version" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="last_modified_by" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="last_modified_on_utc" type="DATETIME">
+                <constraints nullable="false"/>
+            </column>
+        </createTable>
+        <createIndex indexName="IX_m_prudential_floor_category_stage" tableName="m_prudential_floor">
+            <column name="product_category"/>
+            <column name="stage"/>
+        </createIndex>
+    </changeSet>
+
+    <changeSet author="cbsnexora" id="0600_add_prudential_floor_permission">
+        <insert tableName="m_permission">
+            <column name="grouping" value="organisation"/>
+            <column name="code" value="READ_PRUDENTIAL_FLOOR"/>
+            <column name="entity_name" value="PRUDENTIAL_FLOOR"/>
+            <column name="action_name" value="READ"/>
+            <column name="can_maker_checker" valueBoolean="false"/>
+        </insert>
+    </changeSet>
+
+    <changeSet author="cbsnexora" id="0600_seed_prudential_floor_stage_1_2">
+        <!-- Stage 1 / Stage 2: a single floor per category (not split secured/unsecured in the Directions),
+             so secured_floor_pct = unsecured_floor_pct here. -->
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.25"/><column name="unsecured_floor_pct" valueNumeric="0.25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.25"/><column name="unsecured_floor_pct" valueNumeric="0.25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="1.00"/><column name="unsecured_floor_pct" valueNumeric="1.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="1.50"/><column name="unsecured_floor_pct" valueNumeric="1.50"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.25"/><column name="unsecured_floor_pct" valueNumeric="0.25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="1.50"/><column name="unsecured_floor_pct" valueNumeric="1.50"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Loan against Term Deposit / LIC / KVP"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Loan against Term Deposit / LIC / KVP"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+    </changeSet>
+
+    <changeSet author="cbsnexora" id="0600_seed_prudential_floor_stage_3_standard">
+        <!-- Stage 3 ("standard" duration table, para 82(5) first table): applied here to every seeded category
+             alike as a starting point. The Directions in fact vary this table by category group (housing/real
+             estate and unsecured retail use their own bands) - narrowing this per category is a follow-up seed,
+             not a schema change, since duration_from_days/duration_to_days already carry whatever band a row
+             needs. -->
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="10"/><column name="unsecured_floor_pct" valueNumeric="25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="20"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="30"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Loan against Term Deposit / LIC / KVP"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0601_add_loan_product_advance_ext_sicr_lgd_fields.xml

@@ -0,0 +1,49 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    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.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!-- RBI 2026 ECL framework, Penal/SMA/NPA wizard step: SICR trigger configuration and the LGD backstop /
+         own-model override. The prudential floor % itself is NOT stored here - it is looked up from
+         m_prudential_floor by product category, so every product stays in sync with a single regulatory table. -->
+    <changeSet author="cbsnexora" id="0601_add_loan_product_advance_ext_sicr_lgd_fields">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <!-- SICR trigger configuration -->
+            <column name="sicr_days_threshold" type="INT"/>
+            <column name="sicr_revolving_days_threshold" type="INT"/>
+            <column name="sicr_rating_downgrade_notches" type="INT"/>
+            <column name="sicr_pricing_increase_trigger_pct" type="DECIMAL(19,6)"/>
+            <column name="sicr_assessment_basis" type="VARCHAR(30)"/>
+            <column name="sicr_rebuttal_allowed" type="BOOLEAN"/>
+            <!-- NPA trigger extras -->
+            <column name="npa_out_of_order_basis" type="VARCHAR(60)"/>
+            <column name="crop_duration" type="VARCHAR(20)"/>
+            <!-- LGD backstop / override -->
+            <column name="use_own_lgd_model" type="BOOLEAN"/>
+            <column name="lgd_secured_pct" type="DECIMAL(19,6)"/>
+            <column name="lgd_unsecured_pct" type="DECIMAL(19,6)"/>
+            <column name="eligible_collateral_type" type="VARCHAR(200)"/>
+        </addColumn>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/test/java/org/apache/fineract/infrastructure/event/external/service/serialization/serializer/loan/LoanAccountDelinquencyRangeEventSerializerTest.java

@@ -173,7 +173,7 @@ public class LoanAccountDelinquencyRangeEventSerializerTest {
         when(loanAccountData.getId()).thenReturn(1L);
         when(loanAccountData.getAccountNo()).thenReturn("0001");
         when(loanAccountData.getExternalId()).thenReturn(ExternalIdFactory.produce("externalId"));
-        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10));
+        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10, null));
         when(loanAccountData.getCurrency()).thenAnswer(
                 a -> new CurrencyData(loanCurrency.getCode(), loanCurrency.getDigitsAfterDecimal(), loanCurrency.getInMultiplesOf()));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
@@ -238,7 +238,7 @@ public class LoanAccountDelinquencyRangeEventSerializerTest {
         when(loanAccountData.getId()).thenReturn(1L);
         when(loanAccountData.getAccountNo()).thenReturn("0001");
         when(loanAccountData.getExternalId()).thenReturn(ExternalIdFactory.produce("externalId"));
-        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10));
+        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10, null));
         when(loanAccountData.getCurrency()).thenAnswer(
                 a -> new CurrencyData(loanCurrency.getCode(), loanCurrency.getDigitsAfterDecimal(), loanCurrency.getInMultiplesOf()));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);

fineract-provider/src/test/java/org/apache/fineract/portfolio/deliquency/DelinquencyWritePlatformServiceRangeChangeEventTest.java

@@ -174,9 +174,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -217,9 +217,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -281,9 +281,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
 
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
 
@@ -346,9 +346,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -425,9 +425,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -510,9 +510,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         // given
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -597,9 +597,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         // given
         Loan loanForProcessing = Mockito.mock(Loan.class);
         when(loanForProcessing.getId()).thenReturn(1L);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");