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

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);
+}