MIFOSX-1586 : corrected overdue charges with interest calculation

mifosng-provider/src/integrationTest/java/org/mifosplatform/integrationtests/ClientLoanIntegrationTest.java

@@ -2444,11 +2444,15 @@ public class ClientLoanIntegrationTest {
         loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
         validateCharge(flatInstallmentFee, loanCharges, "50", "100.00", "50.0", "50.0");
 
-        /*this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "20 September 2011", new JournalEntry(Float.valueOf("50.0"),
-                JournalEntry.TransactionType.CREDIT));
-        this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "20 September 2011",
-                new JournalEntry(Float.valueOf("50.0"), JournalEntry.TransactionType.DEBIT));
-*/
+        /*
+         * this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount,
+         * "20 September 2011", new JournalEntry(Float.valueOf("50.0"),
+         * JournalEntry.TransactionType.CREDIT));
+         * this.journalEntryHelper.checkJournalEntryForExpenseAccount
+         * (expenseAccount, "20 September 2011", new
+         * JournalEntry(Float.valueOf("50.0"),
+         * JournalEntry.TransactionType.DEBIT));
+         */
         final String jobName = "Add Accrual Transactions";
         try {
             this.schedulerJobHelper.excuteJob(jobName);
@@ -2645,10 +2649,15 @@ public class ClientLoanIntegrationTest {
         loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
         validateCharge(percentageInstallmentFee, loanCharges, "1", "61.19", "29.11", "29.70");
 
-        /*this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "20 September 2011", new JournalEntry(Float.valueOf("29.7"),
-                JournalEntry.TransactionType.CREDIT));
-        this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "20 September 2011",
-                new JournalEntry(Float.valueOf("29.7"), JournalEntry.TransactionType.DEBIT));*/
+        /*
+         * this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount,
+         * "20 September 2011", new JournalEntry(Float.valueOf("29.7"),
+         * JournalEntry.TransactionType.CREDIT));
+         * this.journalEntryHelper.checkJournalEntryForExpenseAccount
+         * (expenseAccount, "20 September 2011", new
+         * JournalEntry(Float.valueOf("29.7"),
+         * JournalEntry.TransactionType.DEBIT));
+         */
 
         final String jobName = "Add Accrual Transactions";
         try {
@@ -2850,10 +2859,15 @@ public class ClientLoanIntegrationTest {
         loanCharges = this.loanTransactionHelper.getLoanCharges(loanID);
         validateCharge(amountPlusInterestPercentageInstallmentFee, loanCharges, "1", "63.02", "31.51", "31.51");
 
-        /*this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount, "20 September 2011", new JournalEntry(
-                Float.valueOf("31.51"), JournalEntry.TransactionType.CREDIT));
-        this.journalEntryHelper.checkJournalEntryForExpenseAccount(expenseAccount, "20 September 2011",
-                new JournalEntry(Float.valueOf("31.51"), JournalEntry.TransactionType.DEBIT));*/
+        /*
+         * this.journalEntryHelper.checkJournalEntryForAssetAccount(assetAccount,
+         * "20 September 2011", new JournalEntry( Float.valueOf("31.51"),
+         * JournalEntry.TransactionType.CREDIT));
+         * this.journalEntryHelper.checkJournalEntryForExpenseAccount
+         * (expenseAccount, "20 September 2011", new
+         * JournalEntry(Float.valueOf("31.51"),
+         * JournalEntry.TransactionType.DEBIT));
+         */
 
         final String jobName = "Add Accrual Transactions";
         try {
@@ -3141,7 +3155,7 @@ public class ClientLoanIntegrationTest {
         final Integer loanProductID = createLoanProductWithInterestRecalculation(LoanProductTestBuilder.MIFOS_STANDARD_STRATEGY,
                 LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_NONE,
                 LoanProductTestBuilder.RECALCULATION_STRATEGY_REDUCE_EMI_AMOUN,
-                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_SAME_AS_REPAYMENT_PERIOD, "0", null,null);
+                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_SAME_AS_REPAYMENT_PERIOD, "0", null, null);
 
         final Integer loanID = applyForLoanApplicationForInterestRecalculation(clientID, loanProductID, LOAN_DISBURSEMENT_DATE, null,
                 LoanApplicationTestBuilder.MIFOS_STANDARD_STRATEGY, new ArrayList<HashMap>(0));
@@ -3231,7 +3245,7 @@ public class ClientLoanIntegrationTest {
         final Integer loanProductID = createLoanProductWithInterestRecalculation(LoanProductTestBuilder.RBI_INDIA_STRATEGY,
                 LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_INTEREST,
                 LoanProductTestBuilder.RECALCULATION_STRATEGY_REDUCE_NUMBER_OF_INSTALLMENTS,
-                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_DAILY, "1", LOAN_DISBURSEMENT_DATE,null);
+                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_DAILY, "1", LOAN_DISBURSEMENT_DATE, null);
 
         final Integer loanID = applyForLoanApplicationForInterestRecalculation(clientID, loanProductID, LOAN_DISBURSEMENT_DATE,
                 LOAN_DISBURSEMENT_DATE, LoanApplicationTestBuilder.RBI_INDIA_STRATEGY, new ArrayList<HashMap>(0));
@@ -3356,7 +3370,7 @@ public class ClientLoanIntegrationTest {
         final Integer loanProductID = createLoanProductWithInterestRecalculation(LoanProductTestBuilder.MIFOS_STANDARD_STRATEGY,
                 LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_INTEREST_AND_FEE,
                 LoanProductTestBuilder.RECALCULATION_STRATEGY_RESCHEDULE_NEXT_REPAYMENTS,
-                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_WEEKLY, "1", REST_START_DATE,null);
+                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_WEEKLY, "1", REST_START_DATE, null);
 
         final Integer loanID = applyForLoanApplicationForInterestRecalculation(clientID, loanProductID, LOAN_DISBURSEMENT_DATE,
                 REST_START_DATE, LoanApplicationTestBuilder.MIFOS_STANDARD_STRATEGY, charges);
@@ -3433,6 +3447,113 @@ public class ClientLoanIntegrationTest {
 
     }
 
+    @Test
+    public void testLoanScheduleWithInterestRecalculation_WITH_REST_DAILY_INTEREST_COMPOUND_INTEREST_FEE_STRATEGY_WITH_OVERDUE_CHARGE()
+            throws InterruptedException {
+        this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
+        this.schedulerJobHelper = new SchedulerJobHelper(this.requestSpec, this.responseSpec);
+
+        DateFormat dateFormat = new SimpleDateFormat("dd MMMM yyyy");
+
+        Calendar todaysDate = Calendar.getInstance();
+        todaysDate.add(Calendar.DAY_OF_MONTH, -7 * 3);
+        final String LOAN_DISBURSEMENT_DATE = dateFormat.format(todaysDate.getTime());
+        todaysDate.add(Calendar.DAY_OF_MONTH, -2);
+        final String REST_START_DATE = dateFormat.format(todaysDate.getTime());
+
+        todaysDate = Calendar.getInstance();
+
+        Integer overdueFeeChargeId = ChargesHelper.createCharges(this.requestSpec, this.responseSpec,
+                ChargesHelper.getLoanOverdueFeeJSONWithCalculattionTypePercentage());
+        Assert.assertNotNull(overdueFeeChargeId);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        ClientHelper.verifyClientCreatedOnServer(this.requestSpec, this.responseSpec, clientID);
+        final Integer loanProductID = createLoanProductWithInterestRecalculation(LoanProductTestBuilder.MIFOS_STANDARD_STRATEGY,
+                LoanProductTestBuilder.RECALCULATION_COMPOUNDING_METHOD_INTEREST_AND_FEE,
+                LoanProductTestBuilder.RECALCULATION_STRATEGY_RESCHEDULE_NEXT_REPAYMENTS,
+                LoanProductTestBuilder.RECALCULATION_FREQUENCY_TYPE_DAILY, "1", REST_START_DATE, null, overdueFeeChargeId.toString());
+
+        final Integer loanID = applyForLoanApplicationForInterestRecalculation(clientID, loanProductID, LOAN_DISBURSEMENT_DATE,
+                REST_START_DATE, LoanApplicationTestBuilder.MIFOS_STANDARD_STRATEGY, null);
+
+        Assert.assertNotNull(loanID);
+        HashMap loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(this.requestSpec, this.responseSpec, loanID);
+        LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
+
+        ArrayList<HashMap> loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        List<Map<String, Object>> expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance();
+        addRepaymentValues(expectedvalues, todaysDate, -2, "2482.76", "46.15", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2494.22", "34.69", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2505.73", "23.18", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2517.29", "11.62", "0.0", "0.0");
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+        System.out.println("-----------------------------------APPROVE LOAN-----------------------------------------");
+        loanStatusHashMap = this.loanTransactionHelper.approveLoan(LOAN_DISBURSEMENT_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
+        LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
+
+        System.out.println("-------------------------------DISBURSE LOAN-------------------------------------------");
+        loanStatusHashMap = this.loanTransactionHelper.disburseLoan(LOAN_DISBURSEMENT_DATE, loanID);
+        LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance();
+        addRepaymentValues(expectedvalues, todaysDate, -2, "2482.76", "46.15", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2482.55", "46.36", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2482.33", "46.58", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2552.36", "11.78", "0.0", "0.0");
+
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+        String JobName = "Apply penalty to overdue loans";
+        this.schedulerJobHelper.excuteJob(JobName);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance();
+        addRepaymentValues(expectedvalues, todaysDate, -2, "2482.76", "46.15", "0.0", "252.89");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2481.38", "47.53", "0.0", "252.89");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2479.99", "48.92", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2555.87", "11.8", "0.0", "0.0");
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+        Calendar repaymentDate = Calendar.getInstance();
+        repaymentDate.add(Calendar.DAY_OF_MONTH, -7 * 2);
+        final String LOAN_FIRST_REPAYMENT_DATE = dateFormat.format(repaymentDate.getTime());
+        Float totalDueForCurrentPeriod = (Float) loanSchedule.get(1).get("totalDueForPeriod");
+        totalDueForCurrentPeriod = totalDueForCurrentPeriod - new Float("252.89");
+        this.loanTransactionHelper.makeRepayment(LOAN_FIRST_REPAYMENT_DATE, totalDueForCurrentPeriod, loanID);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance();
+        addRepaymentValues(expectedvalues, todaysDate, -2, "2482.76", "46.15", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2494.22", "34.69", "0.0", "252.89");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2492.89", "36.02", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2530.13", "11.68", "0.0", "0.0");
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+        repaymentDate = Calendar.getInstance();
+        repaymentDate.add(Calendar.DAY_OF_MONTH, -3);
+        final String LOAN_SECOND_REPAYMENT_DATE = dateFormat.format(repaymentDate.getTime());
+        totalDueForCurrentPeriod = (Float) loanSchedule.get(2).get("totalDueForPeriod");
+        this.loanTransactionHelper.makeRepayment(LOAN_SECOND_REPAYMENT_DATE, totalDueForCurrentPeriod, loanID);
+
+        loanSchedule = this.loanTransactionHelper.getLoanRepaymentSchedule(this.requestSpec, this.responseSpec, loanID);
+        expectedvalues = new ArrayList<>();
+        todaysDate = Calendar.getInstance();
+        addRepaymentValues(expectedvalues, todaysDate, -2, "2482.76", "46.15", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2494.22", "34.69", "0.0", "252.89");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2498.39", "30.52", "0.0", "0.0");
+        addRepaymentValues(expectedvalues, todaysDate, 1, "2524.63", "11.65", "0.0", "0.0");
+        verifyLoanRepaymentSchedule(loanSchedule, expectedvalues);
+
+    }
+
     @Test
     public void testLoanScheduleWithInterestRecalculation_WITH_PERIODIC_ACCOUNTING() {
         this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec);
@@ -3533,7 +3654,7 @@ public class ClientLoanIntegrationTest {
 
     }
 
-      private void addRepaymentValues(List<Map<String, Object>> expectedvalues, Calendar todaysDate, int addMonths, String principalDue,
+    private void addRepaymentValues(List<Map<String, Object>> expectedvalues, Calendar todaysDate, int addMonths, String principalDue,
             String interestDue, String feeChargesDue, String penaltyChargesDue) {
         Map<String, Object> values = new HashMap<>(3);
         values.put("dueDate", getDateAsArray(todaysDate, addMonths));
@@ -3560,6 +3681,15 @@ public class ClientLoanIntegrationTest {
             final String interestRecalculationCompoundingMethod, final String rescheduleStrategyMethod,
             final String recalculationRestFrequencyType, final String recalculationRestFrequencyInterval,
             final String recalculationRestFrequencyDate, final Account[] accounts) {
+        return createLoanProductWithInterestRecalculation(repaymentStrategy, interestRecalculationCompoundingMethod,
+                rescheduleStrategyMethod, recalculationRestFrequencyType, recalculationRestFrequencyInterval,
+                recalculationRestFrequencyDate, accounts, null);
+    }
+
+    private Integer createLoanProductWithInterestRecalculation(final String repaymentStrategy,
+            final String interestRecalculationCompoundingMethod, final String rescheduleStrategyMethod,
+            final String recalculationRestFrequencyType, final String recalculationRestFrequencyInterval,
+            final String recalculationRestFrequencyDate, final Account[] accounts, final String chargeId) {
         System.out.println("------------------------------CREATING NEW LOAN PRODUCT ---------------------------------------");
         LoanProductTestBuilder builder = new LoanProductTestBuilder()
                 .withPrincipal("10000000.00")
@@ -3578,7 +3708,7 @@ public class ClientLoanIntegrationTest {
             builder = builder.withAccountingRulePeriodicAccrual(accounts);
         }
 
-        final String loanProductJSON = builder.build(null);
+        final String loanProductJSON = builder.build(chargeId);
         return this.loanTransactionHelper.getLoanProductId(loanProductJSON);
     }
 

mifosng-provider/src/integrationTest/java/org/mifosplatform/integrationtests/common/charges/ChargesHelper.java

@@ -222,6 +222,18 @@ public class ChargesHelper {
         System.out.println(chargesCreateJson);
         return chargesCreateJson;
     }
+    
+    public static String getLoanOverdueFeeJSONWithCalculattionTypePercentage() {
+        final HashMap<String, Object> map = populateDefaultsForLoan();
+        map.put("penalty", ChargesHelper.penalty);
+        map.put("amount", "10");
+        map.put("chargePaymentMode", ChargesHelper.CHARGE_PAYMENT_MODE_REGULAR);
+        map.put("chargeTimeType", CHARGE_OVERDUE_INSTALLMENT_FEE);
+        map.put("chargeCalculationType", ChargesHelper.CHARGE_CALCULATION_TYPE_PERCENTAGE_AMOUNT_AND_INTEREST);
+        String chargesCreateJson = new Gson().toJson(map);
+        System.out.println(chargesCreateJson);
+        return chargesCreateJson;
+    }
 
     public static HashMap<String, Object> populateDefaultsForLoan() {
         final HashMap<String, Object> map = new HashMap<>();

mifosng-provider/src/main/java/org/mifosplatform/accounting/producttoaccountmapping/serialization/ProductToGLAccountMappingFromApiJsonDeserializer.java

@@ -74,7 +74,7 @@ public final class ProductToGLAccountMappingFromApiJsonDeserializer {
 
         // accounting related data validation
         final Integer accountingRuleType = this.fromApiJsonHelper.extractIntegerNamed("accountingRule", element, Locale.getDefault());
-        baseDataValidator.reset().parameter("accountingRule").value(accountingRuleType).notNull().inMinMaxRange(1, 3);
+        baseDataValidator.reset().parameter("accountingRule").value(accountingRuleType).notNull().inMinMaxRange(1, 4);
 
         if (isCashBasedAccounting(accountingRuleType) || isAccrualBasedAccounting(accountingRuleType)) {
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/data/HolidayDetailDTO.java

@@ -0,0 +1,52 @@
+package org.mifosplatform.portfolio.loanaccount.data;
+
+import java.util.List;
+
+import org.mifosplatform.organisation.holiday.domain.Holiday;
+import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
+
+public class HolidayDetailDTO {
+
+    final boolean isHolidayEnabled;
+    final List<Holiday> holidays;
+    final WorkingDays workingDays;
+    final boolean allowTransactionsOnHoliday;
+    final boolean allowTransactionsOnNonWorkingDay;
+
+    public HolidayDetailDTO(final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays) {
+        this.isHolidayEnabled = isHolidayEnabled;
+        this.holidays = holidays;
+        this.workingDays = workingDays;
+        this.allowTransactionsOnHoliday = false;
+        this.allowTransactionsOnNonWorkingDay = false;
+    }
+
+    public HolidayDetailDTO(final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays,
+            final boolean allowTransactionsOnHoliday, final boolean allowTransactionsOnNonWorkingDay) {
+        this.isHolidayEnabled = isHolidayEnabled;
+        this.holidays = holidays;
+        this.workingDays = workingDays;
+        this.allowTransactionsOnHoliday = allowTransactionsOnHoliday;
+        this.allowTransactionsOnNonWorkingDay = allowTransactionsOnNonWorkingDay;
+    }
+
+    public boolean isHolidayEnabled() {
+        return this.isHolidayEnabled;
+    }
+
+    public List<Holiday> getHolidays() {
+        return this.holidays;
+    }
+
+    public WorkingDays getWorkingDays() {
+        return this.workingDays;
+    }
+
+    public boolean isAllowTransactionsOnHoliday() {
+        return this.allowTransactionsOnHoliday;
+    }
+
+    public boolean isAllowTransactionsOnNonWorkingDay() {
+        return this.allowTransactionsOnNonWorkingDay;
+    }
+}

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/data/ScheduleGeneratorDTO.java

@@ -0,0 +1,97 @@
+package org.mifosplatform.portfolio.loanaccount.data;
+
+import org.joda.time.LocalDate;
+import org.mifosplatform.organisation.monetary.domain.ApplicationCurrency;
+import org.mifosplatform.portfolio.calendar.domain.CalendarInstance;
+import org.mifosplatform.portfolio.loanaccount.loanschedule.domain.LoanScheduleGeneratorFactory;
+
+public class ScheduleGeneratorDTO {
+
+    final LoanScheduleGeneratorFactory loanScheduleFactory;
+    final ApplicationCurrency applicationCurrency;
+    final LocalDate calculatedRepaymentsStartingFromDate;
+    final HolidayDetailDTO holidayDetailDTO;
+    final CalendarInstance calendarInstanceForInterestRecalculation;
+    LocalDate recalculateFrom;
+    final Long overdurPenaltyWaitPeriod;
+    LocalDate lastTransactionDate;
+
+    public ScheduleGeneratorDTO(final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency applicationCurrency,
+            final LocalDate calculatedRepaymentsStartingFromDate, final HolidayDetailDTO holidayDetailDTO) {
+
+        this.loanScheduleFactory = loanScheduleFactory;
+        this.applicationCurrency = applicationCurrency;
+        this.calculatedRepaymentsStartingFromDate = calculatedRepaymentsStartingFromDate;
+        this.calendarInstanceForInterestRecalculation = null;
+        this.recalculateFrom = null;
+        this.overdurPenaltyWaitPeriod = null;
+        this.lastTransactionDate = null;
+        this.holidayDetailDTO = holidayDetailDTO;
+
+    }
+
+    public ScheduleGeneratorDTO(final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency applicationCurrency,
+            final LocalDate calculatedRepaymentsStartingFromDate, final HolidayDetailDTO holidayDetailDTO,
+            final CalendarInstance calendarInstanceForInterestRecalculation, final LocalDate recalculateFrom,
+            final Long overdurPenaltyWaitPeriod, final LocalDate lastTransactionDate) {
+
+        this.loanScheduleFactory = loanScheduleFactory;
+        this.applicationCurrency = applicationCurrency;
+        this.calculatedRepaymentsStartingFromDate = calculatedRepaymentsStartingFromDate;
+        this.calendarInstanceForInterestRecalculation = calendarInstanceForInterestRecalculation;
+        this.recalculateFrom = recalculateFrom;
+        this.overdurPenaltyWaitPeriod = overdurPenaltyWaitPeriod;
+        this.lastTransactionDate = lastTransactionDate;
+        this.holidayDetailDTO = holidayDetailDTO;
+
+    }
+
+    public LoanScheduleGeneratorFactory getLoanScheduleFactory() {
+        return this.loanScheduleFactory;
+    }
+
+    public ApplicationCurrency getApplicationCurrency() {
+        return this.applicationCurrency;
+    }
+
+    public LocalDate getCalculatedRepaymentsStartingFromDate() {
+        return this.calculatedRepaymentsStartingFromDate;
+    }
+
+    public CalendarInstance getCalendarInstanceForInterestRecalculation() {
+        return this.calendarInstanceForInterestRecalculation;
+    }
+
+    public LocalDate getRecalculateFrom() {
+        return this.recalculateFrom;
+    }
+
+    public Long getOverdurPenaltyWaitPeriod() {
+        return this.overdurPenaltyWaitPeriod;
+    }
+
+    public int getPenaltyWaitPeriod() {
+        int penaltyWaitPeriod = 0;
+        if (this.overdurPenaltyWaitPeriod != null) {
+            penaltyWaitPeriod = this.overdurPenaltyWaitPeriod.intValue();
+        }
+        return penaltyWaitPeriod;
+    }
+
+    public LocalDate getLastTransactionDate() {
+        return this.lastTransactionDate;
+    }
+
+    public HolidayDetailDTO getHolidayDetailDTO() {
+        return this.holidayDetailDTO;
+    }
+
+    public void setRecalculateFrom(LocalDate recalculateFrom) {
+        this.recalculateFrom = recalculateFrom;
+    }
+
+    public void setLastTransactionDate(LocalDate lastTransactionDate) {
+        this.lastTransactionDate = lastTransactionDate;
+    }
+
+}

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/Loan.java

@@ -75,7 +75,9 @@ import org.mifosplatform.portfolio.group.domain.Group;
 import org.mifosplatform.portfolio.loanaccount.api.LoanApiConstants;
 import org.mifosplatform.portfolio.loanaccount.command.LoanChargeCommand;
 import org.mifosplatform.portfolio.loanaccount.data.DisbursementData;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.data.LoanTermVariationsData;
+import org.mifosplatform.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 import org.mifosplatform.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
 import org.mifosplatform.portfolio.loanaccount.exception.ExceedingTrancheCountException;
 import org.mifosplatform.portfolio.loanaccount.exception.InvalidLoanStateTransitionException;
@@ -466,10 +468,7 @@ public class Loan extends AbstractPersistable<Long> {
         this.accountNumberRequiresAutoGeneration = accountNumberRequiresAutoGeneration;
     }
 
-    public ChangedTransactionDetail addLoanCharge(final LoanCharge loanCharge, final List<Long> existingTransactionIds,
-            final List<Long> existingReversedTransactionIds, final List<Holiday> holidays, final WorkingDays workingDays,
-            final boolean isHolidayEnabled, final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final CalendarInstance calendarInstanceForInterestRecalculation) {
+    public ChangedTransactionDetail addLoanCharge(final LoanCharge loanCharge) {
         ChangedTransactionDetail changedTransactionDetail = null;
 
         validateLoanIsNotClosed(loanCharge);
@@ -526,22 +525,14 @@ public class Loan extends AbstractPersistable<Long> {
 
         // store Id's of existing loan transactions and existing reversed loan
         // transactions
-        existingTransactionIds.addAll(findExistingTransactionIds());
-        existingReversedTransactionIds.addAll(findExistingReversedTransactionIds());
         final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
-
-        if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()
-                && (loanCharge.getDueLocalDate() == null || LocalDate.now().isAfter(loanCharge.getDueLocalDate()))) {
-            LocalDate recalculateFrom = null;
-            regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                    isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
-        } else {
-            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges());
-        }
+        wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges(),
+                getLastUserTransactionForChargeCalc());
         if (!loanCharge.isDueAtDisbursement()) {
             final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
             changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(),
-                    allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges());
+                    allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges(),
+                    getLastUserTransactionForChargeCalc());
             for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
                 mapEntry.getValue().updateLoan(this);
             }
@@ -652,12 +643,18 @@ public class Loan extends AbstractPersistable<Long> {
                 && !loanCharge.isDueForCollectionFromAndUpToAndIncluding(disbursementDate, lastRepaymentPeriodDueDate)) {
             final String defaultUserMessage = "This charge with specified due date cannot be added as the it is not in schedule range.";
             throw new LoanChargeCannotBeAddedException("loanCharge", "specified.due.date.outside.range", defaultUserMessage,
-                    getDisbursementDate(), getLastRepaymentPeriodDueDate(), loanCharge.name());
+                    getDisbursementDate(), lastRepaymentPeriodDueDate, loanCharge.name());
         }
     }
 
     private LocalDate getLastRepaymentPeriodDueDate() {
-        return this.repaymentScheduleInstallments.get(this.repaymentScheduleInstallments.size() - 1).getDueDate();
+        LocalDate lastRepaymentDate = getDisbursementDate();
+        for (LoanRepaymentScheduleInstallment installment : this.repaymentScheduleInstallments) {
+            if (!installment.isRecalculatedInterestComponent() && installment.getDueDate().isAfter(lastRepaymentDate)) {
+                lastRepaymentDate = installment.getDueDate();
+            }
+        }
+        return lastRepaymentDate;
     }
 
     public void removeLoanCharge(final LoanCharge loanCharge) {
@@ -674,7 +671,8 @@ public class Loan extends AbstractPersistable<Long> {
         if (removed) {
             charge.setActive(false);
             final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
-            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges());
+            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges(),
+                    getLastUserTransactionForChargeCalc());
             updateSummaryWithTotalFeeChargesDueAtDisbursement(deriveSumTotalOfChargesDueAtDisbursement());
         }
 
@@ -693,7 +691,7 @@ public class Loan extends AbstractPersistable<Long> {
              ***/
             final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
             loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(), allNonContraTransactionsPostDisbursement,
-                    getCurrency(), this.repaymentScheduleInstallments, charges());
+                    getCurrency(), this.repaymentScheduleInstallments, charges(), getLastUserTransactionForChargeCalc());
         }
 
         updateLoanSummaryDerivedFields();
@@ -751,11 +749,12 @@ public class Loan extends AbstractPersistable<Long> {
              ***/
             final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
             loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(), allNonContraTransactionsPostDisbursement,
-                    getCurrency(), this.repaymentScheduleInstallments, charges());
+                    getCurrency(), this.repaymentScheduleInstallments, charges(), getLastUserTransactionForChargeCalc());
         } else {
             // reprocess loan schedule based on charge been waived.
             final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
-            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges());
+            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges(),
+                    getLastUserTransactionForChargeCalc());
         }
 
         updateLoanSummaryDerivedFields();
@@ -838,10 +837,7 @@ public class Loan extends AbstractPersistable<Long> {
 
     public LoanTransaction waiveLoanCharge(final LoanCharge loanCharge, final LoanLifecycleStateMachine loanLifecycleStateMachine,
             final Map<String, Object> changes, final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds,
-            final Integer loanInstallmentNumber, final List<Holiday> holidays, final WorkingDays workingDays,
-            final boolean isHolidayEnabled, final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final CalendarInstance calendarInstanceForInterestRecalculation,
-            final Money accruedCharge) {
+            final Integer loanInstallmentNumber, final ScheduleGeneratorDTO scheduleGeneratorDTO, final Money accruedCharge) {
 
         validateLoanIsNotClosed(loanCharge);
 
@@ -887,9 +883,7 @@ public class Loan extends AbstractPersistable<Long> {
 
         if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()
                 && (loanCharge.getDueLocalDate() == null || LocalDate.now().isAfter(loanCharge.getDueLocalDate()))) {
-            LocalDate recalculateFrom = null;
-            regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                    isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
+            regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
         }
         // Waive of charges whose due date falls after latest 'repayment'
         // transaction dont require entire loan schedule to be reprocessed.
@@ -906,11 +900,12 @@ public class Loan extends AbstractPersistable<Long> {
              ***/
             final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
             loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(), allNonContraTransactionsPostDisbursement,
-                    getCurrency(), this.repaymentScheduleInstallments, charges());
+                    getCurrency(), this.repaymentScheduleInstallments, charges(), getLastUserTransactionForChargeCalc());
         } else {
             // reprocess loan schedule based on charge been waived.
             final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
-            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges());
+            wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges(),
+                    getLastUserTransactionForChargeCalc());
         }
 
         updateLoanSummaryDerivedFields();
@@ -1032,34 +1027,74 @@ public class Loan extends AbstractPersistable<Long> {
 
         updateLoanScheduleDependentDerivedFields();
         updateLoanSummaryDerivedFields();
-        resetAccruals();
+        applyAccurals();
 
     }
 
     /**
-     * method to reverse all the accrual entries
+     * method updates accrual derived fields on installments and reverse the
+     * unprocessed transactions
      */
-    private void resetAccruals() {
-        if (!this.repaymentScheduleDetail().isInterestRecalculationEnabled()) { return; }
-        List<LoanTransaction> transactions = this.getLoanTransactions();
-        for (final LoanTransaction transaction : transactions) {
-            if (transaction.isAccrual()) {
-                transaction.reverse();
-            }
+    private void applyAccurals() {
+        Collection<LoanTransaction> accruals = retreiveListOfAccrualTransactions();
+        if (isPeriodicAccrualAccountingEnabledOnLoanProduct()) {
+            applyPeriodicAccruals(accruals);
+        } else if (isNoneOrCashOrUpfrontAccrualAccountingEnabledOnLoanProduct()) {
+            updateAccrualsForNonPeriodicAccruals(accruals);
         }
     }
 
-    public boolean isAccrualsPresent() {
-        boolean isAccrualsPresent = false;
-        if (!this.repaymentScheduleDetail().isInterestRecalculationEnabled()) { return isAccrualsPresent; }
-        List<LoanTransaction> transactions = this.getLoanTransactions();
-        for (final LoanTransaction transaction : transactions) {
-            if (transaction.isAccrual() && transaction.isNotReversed()) {
-                isAccrualsPresent = true;
-                break;
+    private void applyPeriodicAccruals(final Collection<LoanTransaction> accruals) {
+
+        for (LoanRepaymentScheduleInstallment installment : this.repaymentScheduleInstallments) {
+            Money interest = Money.zero(getCurrency());
+            Money fee = Money.zero(getCurrency());
+            Money penality = Money.zero(getCurrency());
+            for (LoanTransaction loanTransaction : accruals) {
+                if (loanTransaction.getTransactionDate().isAfter(installment.getFromDate())
+                        && !loanTransaction.getTransactionDate().isAfter(installment.getDueDate())) {
+                    interest = interest.plus(loanTransaction.getInterestPortion(getCurrency()));
+                    fee = fee.plus(loanTransaction.getFeeChargesPortion(getCurrency()));
+                    penality = penality.plus(loanTransaction.getPenaltyChargesPortion(getCurrency()));
+                    if (installment.getFeeChargesCharged(getCurrency()).isLessThan(fee)
+                            || installment.getInterestCharged(getCurrency()).isLessThan(interest)
+                            || installment.getPenaltyChargesCharged(getCurrency()).isLessThan(penality)) {
+                        interest = interest.minus(loanTransaction.getInterestPortion(getCurrency()));
+                        fee = fee.minus(loanTransaction.getFeeChargesPortion(getCurrency()));
+                        penality = penality.minus(loanTransaction.getPenaltyChargesPortion(getCurrency()));
+                        loanTransaction.reverse();
+                    }
+                }
+            }
+            installment.updateAccrualPortion(interest, fee, penality);
+        }
+    }
+
+    private void updateAccrualsForNonPeriodicAccruals(final Collection<LoanTransaction> accruals) {
+
+        final Money interestApplied = Money.of(getCurrency(), this.summary.getTotalInterestCharged());
+        for (LoanTransaction loanTransaction : accruals) {
+            if (loanTransaction.getInterestPortion(getCurrency()).isGreaterThanZero()) {
+                if (loanTransaction.getInterestPortion(getCurrency()).isNotEqualTo(interestApplied)) {
+                    loanTransaction.reverse();
+                    final LoanTransaction interestAppliedTransaction = LoanTransaction.accrueInterest(getOffice(), this, interestApplied,
+                            getDisbursementDate());
+                    this.loanTransactions.add(interestAppliedTransaction);
+                }
+            } else {
+                Set<LoanChargePaidBy> chargePaidBies = loanTransaction.getLoanChargesPaid();
+                for (final LoanChargePaidBy chargePaidBy : chargePaidBies) {
+                    LoanCharge loanCharge = chargePaidBy.getLoanCharge();
+                    Money chargeAmount = loanCharge.getAmount(getCurrency());
+                    if (chargeAmount.isNotEqualTo(loanTransaction.getAmount(getCurrency()))) {
+                        loanTransaction.reverse();
+                        handleChargeAppliedTransaction(loanCharge, loanTransaction.getTransactionDate());
+                    }
+
+                }
             }
         }
-        return isAccrualsPresent;
+
     }
 
     private void updateLoanScheduleDependentDerivedFields() {
@@ -1339,8 +1374,9 @@ public class Loan extends AbstractPersistable<Long> {
 
     public void recalculateAllCharges() {
         Set<LoanCharge> charges = this.charges();
+        int penaltyWaitPeriod = 0;
         for (final LoanCharge loanCharge : charges) {
-            recalculateLoanCharge(loanCharge);
+            recalculateLoanCharge(loanCharge, penaltyWaitPeriod);
         }
     }
 
@@ -1375,8 +1411,25 @@ public class Loan extends AbstractPersistable<Long> {
         }
     }
 
-    private void recalculateLoanCharge(final LoanCharge loanCharge) {
-        final BigDecimal amount = calculateAmountPercentageAppliedTo(loanCharge);
+    private void updateOverdueScheduleInstallment(final LoanCharge loanCharge) {
+        if (loanCharge.isOverdueInstallmentCharge() && loanCharge.isActive()) {
+            LoanOverdueInstallmentCharge overdueInstallmentCharge = loanCharge.getOverdueInstallmentCharge();
+            if (overdueInstallmentCharge != null) {
+                Integer installmentNumber = overdueInstallmentCharge.getInstallment().getInstallmentNumber();
+                LoanRepaymentScheduleInstallment installment = fetchRepaymentScheduleInstallment(installmentNumber);
+                overdueInstallmentCharge.updateLoanRepaymentScheduleInstallment(installment);
+            }
+        }
+    }
+
+    private void recalculateLoanCharge(final LoanCharge loanCharge, final int penaltyWaitPeriod) {
+        BigDecimal amount = BigDecimal.ZERO;
+        if (loanCharge.isOverdueInstallmentCharge()) {
+            amount = calculateOverdueAmountPercentageAppliedTo(loanCharge, penaltyWaitPeriod);
+        } else {
+            amount = calculateAmountPercentageAppliedTo(loanCharge);
+        }
+
         BigDecimal chargeAmt = BigDecimal.ZERO;
         BigDecimal totalChargeAmt = BigDecimal.ZERO;
         if (loanCharge.getChargeCalculation().isPercentageBased()) {
@@ -1390,9 +1443,46 @@ public class Loan extends AbstractPersistable<Long> {
                 chargeAmt = chargeAmt.divide(BigDecimal.valueOf(repaymentScheduleDetail().getNumberOfRepayments()));
             }
         }
-        loanCharge.update(chargeAmt, loanCharge.getDueLocalDate(), amount, repaymentScheduleDetail().getNumberOfRepayments(),
-                totalChargeAmt);
-        validateChargeHasValidSpecifiedDateIfApplicable(loanCharge, getDisbursementDate(), getLastRepaymentPeriodDueDate());
+        if (loanCharge.isActive()) {
+            loanCharge.update(chargeAmt, loanCharge.getDueLocalDate(), amount, repaymentScheduleDetail().getNumberOfRepayments(),
+                    totalChargeAmt);
+            validateChargeHasValidSpecifiedDateIfApplicable(loanCharge, getDisbursementDate(), getLastRepaymentPeriodDueDate());
+        }
+
+    }
+
+    private BigDecimal calculateOverdueAmountPercentageAppliedTo(final LoanCharge loanCharge, final int penaltyWaitPeriod) {
+        LoanRepaymentScheduleInstallment installment = loanCharge.getOverdueInstallmentCharge().getInstallment();
+        LocalDate graceDate = LocalDate.now().minusDays(penaltyWaitPeriod);
+        Money amount = Money.zero(getCurrency());
+        if (graceDate.isAfter(installment.getDueDate())) {
+            amount = calculateOverdueAmountPercentageAppliedTo(installment, loanCharge.getChargeCalculation());
+            if (!amount.isGreaterThanZero()) {
+                loanCharge.setActive(false);
+            }
+        } else {
+            loanCharge.setActive(false);
+        }
+        return amount.getAmount();
+    }
+
+    private Money calculateOverdueAmountPercentageAppliedTo(LoanRepaymentScheduleInstallment installment,
+            ChargeCalculationType calculationType) {
+        Money amount = Money.zero(getCurrency());
+        switch (calculationType) {
+            case PERCENT_OF_AMOUNT:
+                amount = installment.getPrincipalOutstanding(getCurrency());
+            break;
+            case PERCENT_OF_AMOUNT_AND_INTEREST:
+                amount = installment.getPrincipalOutstanding(getCurrency()).plus(installment.getInterestOutstanding(getCurrency()));
+            break;
+            case PERCENT_OF_INTEREST:
+                amount = installment.getInterestOutstanding(getCurrency());
+            break;
+            default:
+            break;
+        }
+        return amount;
     }
 
     private void updateDisbursementDetails(final JsonCommand command, final Map<String, Object> actualChanges) {
@@ -1588,8 +1678,9 @@ public class Loan extends AbstractPersistable<Long> {
         }
 
         // charges are optional
+        int penaltyWaitPeriod = 0;
         for (final LoanCharge loanCharge : charges()) {
-            recalculateLoanCharge(loanCharge);
+            recalculateLoanCharge(loanCharge, penaltyWaitPeriod);
         }
 
         updateSummaryWithTotalFeeChargesDueAtDisbursement(deriveSumTotalOfChargesDueAtDisbursement());
@@ -1815,11 +1906,8 @@ public class Loan extends AbstractPersistable<Long> {
         return ids;
     }
 
-    public ChangedTransactionDetail disburse(final LoanScheduleGeneratorFactory loanScheduleFactory, final AppUser currentUser,
-            final JsonCommand command, final ApplicationCurrency currency, final Map<String, Object> actualChanges,
-            final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays, final boolean allowTransactionsOnHoliday, final boolean allowTransactionsOnNonWorkingDay,
-            final CalendarInstance calendarInstanceForInterestRecalculation) {
+    public ChangedTransactionDetail disburse(final AppUser currentUser, final JsonCommand command, final Map<String, Object> actualChanges,
+            final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         final LoanStatus statusEnum = this.loanLifecycleStateMachine.transition(LoanEvent.LOAN_DISBURSED,
                 LoanStatus.fromInt(this.loanStatus));
@@ -1836,15 +1924,15 @@ public class Loan extends AbstractPersistable<Long> {
         actualChanges.put("dateFormat", command.dateFormat());
         actualChanges.put("actualDisbursementDate", command.stringValueOfParameterNamed("actualDisbursementDate"));
 
+        HolidayDetailDTO holidayDetailDTO = scheduleGeneratorDTO.getHolidayDetailDTO();
+
         // validate if disbursement date is a holiday or a non-working day
-        validateDisbursementDateIsOnNonWorkingDay(workingDays, allowTransactionsOnNonWorkingDay);
-        validateDisbursementDateIsOnHoliday(allowTransactionsOnHoliday, holidays);
+        validateDisbursementDateIsOnNonWorkingDay(holidayDetailDTO.getWorkingDays(), holidayDetailDTO.isAllowTransactionsOnNonWorkingDay());
+        validateDisbursementDateIsOnHoliday(holidayDetailDTO.isAllowTransactionsOnHoliday(), holidayDetailDTO.getHolidays());
 
         if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()
                 && (fetchRepaymentScheduleInstallment(1).getDueDate().isBefore(LocalDate.now()) || isDisbursementMissed())) {
-            LocalDate recalculateFrom = null;
-            regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                    isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
+            regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
         }
 
         updateSummaryWithTotalFeeChargesDueAtDisbursement(deriveSumTotalOfChargesDueAtDisbursement());
@@ -1870,9 +1958,7 @@ public class Loan extends AbstractPersistable<Long> {
 
     }
 
-    public void regenerateScheduleOnDisbursement(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency currency, final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays, final boolean recalculateSchedule,
+    public void regenerateScheduleOnDisbursement(final ScheduleGeneratorDTO scheduleGeneratorDTO, final boolean recalculateSchedule,
             final LocalDate actualDisbursementDate, BigDecimal emiAmount) {
         boolean isEmiAmountChanged = false;
         if (this.loanProduct.isMultiDisburseLoan() && emiAmount != null && emiAmount.compareTo(retriveLastEmiAmount()) != 0) {
@@ -1883,8 +1969,7 @@ public class Loan extends AbstractPersistable<Long> {
         }
 
         if (isRepaymentScheduleRegenerationRequiredForDisbursement(actualDisbursementDate) || recalculateSchedule || isEmiAmountChanged) {
-            regenerateRepaymentSchedule(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays,
-                    workingDays);
+            regenerateRepaymentSchedule(scheduleGeneratorDTO);
         }
     }
 
@@ -1958,7 +2043,8 @@ public class Loan extends AbstractPersistable<Long> {
                         .determineProcessor(this.transactionProcessingStrategy);
                 final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
                 changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(),
-                        allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges());
+                        allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges(),
+                        getLastUserTransactionForChargeCalc());
                 for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
                     mapEntry.getValue().updateLoan(this);
                 }
@@ -2068,25 +2154,20 @@ public class Loan extends AbstractPersistable<Long> {
      * Ability to regenerate the repayment schedule based on the loans current
      * details/state.
      */
-    private void regenerateRepaymentSchedule(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency applicationCurrency, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays) {
+    private void regenerateRepaymentSchedule(final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
-        final LoanScheduleModel loanSchedule = regenerateScheduleModel(loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays);
+        final LoanScheduleModel loanSchedule = regenerateScheduleModel(scheduleGeneratorDTO);
 
         updateLoanSchedule(loanSchedule);
         Set<LoanCharge> charges = this.charges();
         for (LoanCharge loanCharge : charges) {
-            recalculateLoanCharge(loanCharge);
+            recalculateLoanCharge(loanCharge, scheduleGeneratorDTO.getPenaltyWaitPeriod());
         }
     }
 
-    public LoanScheduleModel regenerateScheduleModel(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency applicationCurrency, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays) {
+    public LoanScheduleModel regenerateScheduleModel(final ScheduleGeneratorDTO scheduleGeneratorDTO) {
         final InterestMethod interestMethod = this.loanRepaymentScheduleDetail.getInterestMethod();
-        final LoanScheduleGenerator loanScheduleGenerator = loanScheduleFactory.create(interestMethod);
+        final LoanScheduleGenerator loanScheduleGenerator = scheduleGeneratorDTO.getLoanScheduleFactory().create(interestMethod);
 
         final RoundingMode roundingMode = RoundingMode.HALF_EVEN;
         final MathContext mc = new MathContext(8, roundingMode);
@@ -2113,14 +2194,14 @@ public class Loan extends AbstractPersistable<Long> {
             loanVariationTermsData.add(data);
         }
 
-        final LoanApplicationTerms loanApplicationTerms = LoanApplicationTerms.assembleFrom(applicationCurrency, loanTermFrequency,
-                loanTermPeriodFrequencyType, getDisbursementDate(), getExpectedFirstRepaymentOnDate(),
-                calculatedRepaymentsStartingFromDate, getInArrearsTolerance(), this.loanRepaymentScheduleDetail,
+        final LoanApplicationTerms loanApplicationTerms = LoanApplicationTerms.assembleFrom(scheduleGeneratorDTO.getApplicationCurrency(),
+                loanTermFrequency, loanTermPeriodFrequencyType, getDisbursementDate(), getExpectedFirstRepaymentOnDate(),
+                scheduleGeneratorDTO.getCalculatedRepaymentsStartingFromDate(), getInArrearsTolerance(), this.loanRepaymentScheduleDetail,
                 this.loanProduct.isMultiDisburseLoan(), this.fixedEmiAmount, disbursementData, this.maxOutstandingLoanBalance,
                 loanVariationTermsData, getInterestChargedFromDate());
 
-        final LoanScheduleModel loanSchedule = loanScheduleGenerator.generate(mc, applicationCurrency, loanApplicationTerms, charges(),
-                isHolidayEnabled, holidays, workingDays);
+        final LoanScheduleModel loanSchedule = loanScheduleGenerator.generate(mc, loanApplicationTerms, charges(),
+                scheduleGeneratorDTO.getHolidayDetailDTO());
         return loanSchedule;
     }
 
@@ -2220,10 +2301,8 @@ public class Loan extends AbstractPersistable<Long> {
         return chargesPayment;
     }
 
-    public Map<String, Object> undoDisbursal(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency applicationCurrency, final List<Long> existingTransactionIds,
-            final List<Long> existingReversedTransactionIds, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays) {
+    public Map<String, Object> undoDisbursal(final ScheduleGeneratorDTO scheduleGeneratorDTO, final List<Long> existingTransactionIds,
+            final List<Long> existingReversedTransactionIds) {
 
         validateAccountStatus(LoanEvent.LOAN_DISBURSAL_UNDO);
 
@@ -2254,8 +2333,7 @@ public class Loan extends AbstractPersistable<Long> {
                 // clear off actual disbusrement date so schedule regeneration
                 // uses expected date.
 
-                regenerateRepaymentSchedule(loanScheduleFactory, applicationCurrency, calculatedRepaymentsStartingFromDate,
-                        isHolidayEnabled, holidays, workingDays);
+                regenerateRepaymentSchedule(scheduleGeneratorDTO);
                 if (isDisbueseAmtChanged) {
                     updateSummaryWithTotalFeeChargesDueAtDisbursement(deriveSumTotalOfChargesDueAtDisbursement());
                 }
@@ -2298,38 +2376,35 @@ public class Loan extends AbstractPersistable<Long> {
 
         this.loanTermVariations.clear();
         final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
-        wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges());
+        wrapper.reprocess(getCurrency(), getDisbursementDate(), this.repaymentScheduleInstallments, charges(),
+                getLastUserTransactionForChargeCalc());
 
         updateLoanSummaryDerivedFields();
     }
 
     public ChangedTransactionDetail waiveInterest(final LoanTransaction waiveInterestTransaction,
             final LoanLifecycleStateMachine loanLifecycleStateMachine, final List<Long> existingTransactionIds,
-            final List<Long> existingReversedTransactionIds, final List<Holiday> holidays, final WorkingDays workingDays,
-            final boolean isHolidayEnabled, final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final List<Long> existingReversedTransactionIds, final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         validateAccountStatus(LoanEvent.LOAN_REPAYMENT_OR_WAIVER);
 
         validateActivityNotBeforeClientOrGroupTransferDate(LoanEvent.LOAN_REPAYMENT_OR_WAIVER,
                 waiveInterestTransaction.getTransactionDate());
+        validateActivityNotBeforeLastTransactionDateForInterestRecalculation(LoanEvent.LOAN_REPAYMENT_OR_WAIVER,
+                waiveInterestTransaction.getTransactionDate());
 
         existingTransactionIds.addAll(findExistingTransactionIds());
         existingReversedTransactionIds.addAll(findExistingReversedTransactionIds());
 
         final ChangedTransactionDetail changedTransactionDetail = handleRepaymentOrRecoveryOrWaiverTransaction(waiveInterestTransaction,
-                loanLifecycleStateMachine, null, loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate, isHolidayEnabled,
-                holidays, workingDays, calendarInstanceForInterestRecalculation);
+                loanLifecycleStateMachine, null, scheduleGeneratorDTO);
 
         return changedTransactionDetail;
     }
 
     public ChangedTransactionDetail makeRepayment(final LoanTransaction repaymentTransaction,
             final LoanLifecycleStateMachine loanLifecycleStateMachine, final List<Long> existingTransactionIds,
-            final List<Long> existingReversedTransactionIds, final boolean allowTransactionsOnHoliday, final List<Holiday> holidays,
-            final WorkingDays workingDays, final boolean allowTransactionsOnNonWorkingDay, final boolean isHolidayEnabled,
-            boolean isRecoveryRepayment, final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final List<Long> existingReversedTransactionIds, boolean isRecoveryRepayment, final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         LoanEvent event = null;
         if (isRecoveryRepayment) {
@@ -2338,31 +2413,36 @@ public class Loan extends AbstractPersistable<Long> {
             event = LoanEvent.LOAN_REPAYMENT_OR_WAIVER;
         }
 
+        HolidayDetailDTO holidayDetailDTO = scheduleGeneratorDTO.getHolidayDetailDTO();
         validateAccountStatus(event);
         validateActivityNotBeforeClientOrGroupTransferDate(event, repaymentTransaction.getTransactionDate());
-
-        validateRepaymentDateIsOnHoliday(repaymentTransaction.getTransactionDate(), allowTransactionsOnHoliday, holidays);
-        validateRepaymentDateIsOnNonWorkingDay(repaymentTransaction.getTransactionDate(), workingDays, allowTransactionsOnNonWorkingDay);
+        validateActivityNotBeforeLastTransactionDateForInterestRecalculation(event, repaymentTransaction.getTransactionDate());
+        validateRepaymentDateIsOnHoliday(repaymentTransaction.getTransactionDate(), holidayDetailDTO.isAllowTransactionsOnHoliday(),
+                holidayDetailDTO.getHolidays());
+        validateRepaymentDateIsOnNonWorkingDay(repaymentTransaction.getTransactionDate(), holidayDetailDTO.getWorkingDays(),
+                holidayDetailDTO.isAllowTransactionsOnNonWorkingDay());
 
         existingTransactionIds.addAll(findExistingTransactionIds());
         existingReversedTransactionIds.addAll(findExistingReversedTransactionIds());
 
         final ChangedTransactionDetail changedTransactionDetail = handleRepaymentOrRecoveryOrWaiverTransaction(repaymentTransaction,
-                loanLifecycleStateMachine, null, loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate, isHolidayEnabled,
-                holidays, workingDays, calendarInstanceForInterestRecalculation);
+                loanLifecycleStateMachine, null, scheduleGeneratorDTO);
 
         return changedTransactionDetail;
     }
 
     public void makeChargePayment(final Long chargeId, final LoanLifecycleStateMachine loanLifecycleStateMachine,
             final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds,
-            final boolean allowTransactionsOnHoliday, final List<Holiday> holidays, final WorkingDays workingDays,
-            final boolean allowTransactionsOnNonWorkingDay, final LoanTransaction paymentTransaction, final Integer installmentNumber) {
+            final HolidayDetailDTO holidayDetailDTO, final LoanTransaction paymentTransaction, final Integer installmentNumber) {
 
         validateAccountStatus(LoanEvent.LOAN_CHARGE_PAYMENT);
         validateActivityNotBeforeClientOrGroupTransferDate(LoanEvent.LOAN_CHARGE_PAYMENT, paymentTransaction.getTransactionDate());
-        validateRepaymentDateIsOnHoliday(paymentTransaction.getTransactionDate(), allowTransactionsOnHoliday, holidays);
-        validateRepaymentDateIsOnNonWorkingDay(paymentTransaction.getTransactionDate(), workingDays, allowTransactionsOnNonWorkingDay);
+        validateActivityNotBeforeLastTransactionDateForInterestRecalculation(LoanEvent.LOAN_CHARGE_PAYMENT,
+                paymentTransaction.getTransactionDate());
+        validateRepaymentDateIsOnHoliday(paymentTransaction.getTransactionDate(), holidayDetailDTO.isAllowTransactionsOnHoliday(),
+                holidayDetailDTO.getHolidays());
+        validateRepaymentDateIsOnNonWorkingDay(paymentTransaction.getTransactionDate(), holidayDetailDTO.getWorkingDays(),
+                holidayDetailDTO.isAllowTransactionsOnNonWorkingDay());
 
         if (paymentTransaction.getTransactionDate().isAfter(new LocalDate())) {
             final String errorMessage = "The date on which a loan charge paid cannot be in the future.";
@@ -2415,9 +2495,7 @@ public class Loan extends AbstractPersistable<Long> {
 
     private ChangedTransactionDetail handleRepaymentOrRecoveryOrWaiverTransaction(final LoanTransaction loanTransaction,
             final LoanLifecycleStateMachine loanLifecycleStateMachine, final LoanTransaction adjustedTransaction,
-            final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         ChangedTransactionDetail changedTransactionDetail = null;
 
@@ -2516,12 +2594,12 @@ public class Loan extends AbstractPersistable<Long> {
         }
         if (reprocess) {
             if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-                regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                        isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
+                regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
             }
             final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
             changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(),
-                    allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges());
+                    allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges(),
+                    getLastUserTransactionForChargeCalc());
             for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
                 mapEntry.getValue().updateLoan(this);
             }
@@ -2607,6 +2685,18 @@ public class Loan extends AbstractPersistable<Long> {
         return repaymentsOrWaivers;
     }
 
+    private List<LoanTransaction> retreiveListOfAccrualTransactions() {
+        final List<LoanTransaction> transactions = new ArrayList<>();
+        for (final LoanTransaction transaction : this.loanTransactions) {
+            if (transaction.isNotReversed() && transaction.isAccrual()) {
+                transactions.add(transaction);
+            }
+        }
+        final LoanTransactionComparator transactionComparator = new LoanTransactionComparator();
+        Collections.sort(transactions, transactionComparator);
+        return transactions;
+    }
+
     private void doPostLoanTransactionChecks(final LocalDate transactionDate, final LoanLifecycleStateMachine loanLifecycleStateMachine) {
 
         if (isOverPaid()) {
@@ -2767,13 +2857,13 @@ public class Loan extends AbstractPersistable<Long> {
     public ChangedTransactionDetail adjustExistingTransaction(final LoanTransaction newTransactionDetail,
             final LoanLifecycleStateMachine loanLifecycleStateMachine, final LoanTransaction transactionForAdjustment,
             final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds,
-            final boolean allowTransactionsOnHoliday, final List<Holiday> holidays, final WorkingDays workingDays,
-            final boolean isHolidayEnabled, final boolean allowTransactionsOnNonWorkingDay,
-            final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
-        validateRepaymentDateIsOnHoliday(newTransactionDetail.getTransactionDate(), allowTransactionsOnHoliday, holidays);
-        validateRepaymentDateIsOnNonWorkingDay(newTransactionDetail.getTransactionDate(), workingDays, allowTransactionsOnNonWorkingDay);
+        HolidayDetailDTO holidayDetailDTO = scheduleGeneratorDTO.getHolidayDetailDTO();
+        validateRepaymentDateIsOnHoliday(newTransactionDetail.getTransactionDate(), holidayDetailDTO.isAllowTransactionsOnHoliday(),
+                holidayDetailDTO.getHolidays());
+        validateRepaymentDateIsOnNonWorkingDay(newTransactionDetail.getTransactionDate(), holidayDetailDTO.getWorkingDays(),
+                holidayDetailDTO.isAllowTransactionsOnNonWorkingDay());
 
         ChangedTransactionDetail changedTransactionDetail = null;
 
@@ -2803,17 +2893,14 @@ public class Loan extends AbstractPersistable<Long> {
 
         if (newTransactionDetail.isRepayment() || newTransactionDetail.isInterestWaiver()) {
             changedTransactionDetail = handleRepaymentOrRecoveryOrWaiverTransaction(newTransactionDetail, loanLifecycleStateMachine,
-                    transactionForAdjustment, loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate, isHolidayEnabled,
-                    holidays, workingDays, calendarInstanceForInterestRecalculation);
+                    transactionForAdjustment, scheduleGeneratorDTO);
         }
 
         return changedTransactionDetail;
     }
 
     public ChangedTransactionDetail undoWrittenOff(final List<Long> existingTransactionIds,
-            final List<Long> existingReversedTransactionIds, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays, final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final List<Long> existingReversedTransactionIds, final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         validateAccountStatus(LoanEvent.WRITE_OFF_OUTSTANDING_UNDO);
         existingTransactionIds.addAll(findExistingTransactionIds());
@@ -2825,13 +2912,11 @@ public class Loan extends AbstractPersistable<Long> {
                 .determineProcessor(this.transactionProcessingStrategy);
         final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
         if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-            LocalDate recalculateFrom = null;
-            regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                    isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
+            regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
         }
         ChangedTransactionDetail changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(
                 getDisbursementDate(), allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments,
-                charges());
+                charges(), getLastUserTransactionForChargeCalc());
         updateLoanSummaryDerivedFields();
         return changedTransactionDetail;
     }
@@ -2893,15 +2978,12 @@ public class Loan extends AbstractPersistable<Long> {
 
     public ChangedTransactionDetail closeAsWrittenOff(final JsonCommand command, final LoanLifecycleStateMachine loanLifecycleStateMachine,
             final Map<String, Object> changes, final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds,
-            final AppUser currentUser, final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final AppUser currentUser, final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessorFactory
                 .determineProcessor(this.transactionProcessingStrategy);
-        ChangedTransactionDetail changedTransactionDetail = closeDisbursements(loanScheduleFactory, currency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, loanRepaymentScheduleTransactionProcessor,
-                calendarInstanceForInterestRecalculation);
+        ChangedTransactionDetail changedTransactionDetail = closeDisbursements(scheduleGeneratorDTO,
+                loanRepaymentScheduleTransactionProcessor);
 
         validateAccountStatus(LoanEvent.WRITE_OFF_OUTSTANDING);
 
@@ -2960,25 +3042,20 @@ public class Loan extends AbstractPersistable<Long> {
         return changedTransactionDetail;
     }
 
-    private ChangedTransactionDetail closeDisbursements(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency currency, final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays,
-            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor,
-            final CalendarInstance calendarInstanceForInterestRecalculation) {
+    private ChangedTransactionDetail closeDisbursements(final ScheduleGeneratorDTO scheduleGeneratorDTO,
+            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor) {
         ChangedTransactionDetail changedTransactionDetail = null;
         if (isDisbursementAllowed() && atleastOnceDisbursed()) {
             this.loanRepaymentScheduleDetail.setPrincipal(getDisbursedAmount());
             removeDisbursementDetail();
-            regenerateRepaymentSchedule(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays,
-                    workingDays);
+            regenerateRepaymentSchedule(scheduleGeneratorDTO);
             if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-                LocalDate recalculateFrom = null;
-                regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                        isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
+                regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
             }
             final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
             changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(getDisbursementDate(),
-                    allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges());
+                    allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments, charges(),
+                    getLastUserTransactionForChargeCalc());
             for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
                 mapEntry.getValue().updateLoan(this);
                 this.loanTransactions.add(mapEntry.getValue());
@@ -3003,9 +3080,7 @@ public class Loan extends AbstractPersistable<Long> {
 
     public ChangedTransactionDetail close(final JsonCommand command, final LoanLifecycleStateMachine loanLifecycleStateMachine,
             final Map<String, Object> changes, final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds,
-            final LoanScheduleGeneratorFactory loanScheduleFactory, final ApplicationCurrency currency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final ScheduleGeneratorDTO scheduleGeneratorDTO) {
 
         validateAccountStatus(LoanEvent.LOAN_CLOSED);
 
@@ -3032,9 +3107,8 @@ public class Loan extends AbstractPersistable<Long> {
         }
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessorFactory
                 .determineProcessor(this.transactionProcessingStrategy);
-        ChangedTransactionDetail changedTransactionDetail = closeDisbursements(loanScheduleFactory, currency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, loanRepaymentScheduleTransactionProcessor,
-                calendarInstanceForInterestRecalculation);
+        ChangedTransactionDetail changedTransactionDetail = closeDisbursements(scheduleGeneratorDTO,
+                loanRepaymentScheduleTransactionProcessor);
 
         LoanTransaction loanTransaction = null;
         if (isOpen()) {
@@ -3596,7 +3670,8 @@ public class Loan extends AbstractPersistable<Long> {
 
         final List<Map<String, Object>> newLoanTransactions = new ArrayList<>();
         for (final LoanTransaction transaction : this.loanTransactions) {
-            if (transaction.isReversed() && !existingReversedTransactionIds.contains(transaction.getId())) {
+            if (transaction.isReversed() && existingTransactionIds.contains(transaction.getId())
+                    && !existingReversedTransactionIds.contains(transaction.getId())) {
                 newLoanTransactions.add(transaction.toMapData(currencyData));
             } else if (!existingTransactionIds.contains(transaction.getId())) {
                 newLoanTransactions.add(transaction.toMapData(currencyData));
@@ -3621,10 +3696,13 @@ public class Loan extends AbstractPersistable<Long> {
             if (receivableInterest.isLessThanZero()) {
                 receivableInterest = receivableInterest.zero();
             }
-           /* if (transaction.getTransactionDate().isAfter(tillDate) && transaction.isAccrual()) {
-                final String errorMessage = "The date on which a loan is interest waived cannot be in after accrual transactions.";
-                throw new InvalidLoanStateTransitionException("waive", "cannot.be.after.accrual.date", errorMessage, tillDate);
-            }*/
+            /*
+             * if (transaction.getTransactionDate().isAfter(tillDate) &&
+             * transaction.isAccrual()) { final String errorMessage =
+             * "The date on which a loan is interest waived cannot be in after accrual transactions."
+             * ; throw new InvalidLoanStateTransitionException("waive",
+             * "cannot.be.after.accrual.date", errorMessage, tillDate); }
+             */
         }
         return receivableInterest;
     }
@@ -3902,6 +3980,57 @@ public class Loan extends AbstractPersistable<Long> {
         }
     }
 
+    private void validateActivityNotBeforeLastTransactionDateForInterestRecalculation(final LoanEvent event, final LocalDate activityDate) {
+        if (!this.repaymentScheduleDetail().isInterestRecalculationEnabled()) { return; }
+        LocalDate lastTransactionDate = getLastUserTransactionDate();
+        final LocalDate clientOfficeJoiningDate = this.client.getOfficeJoiningLocalDate();
+        if (lastTransactionDate.isAfter(activityDate)) {
+            String errorMessage = null;
+            String action = null;
+            String postfix = null;
+            switch (event) {
+                case LOAN_REPAYMENT_OR_WAIVER:
+                    errorMessage = "The date on which a repayment or waiver is made cannot be earlier than last transaction date";
+                    action = "repayment.or.waiver";
+                    postfix = "cannot.be.made.before.last.transaction.date";
+                break;
+                case WRITE_OFF_OUTSTANDING:
+                    errorMessage = "The date on which a write off is made cannot be earlier than last transaction date";
+                    action = "writeoff";
+                    postfix = "cannot.be.made.before.last.transaction.date";
+                break;
+                case LOAN_CHARGE_PAYMENT:
+                    errorMessage = "The date on which a charge payment is made cannot be earlier than last transaction date";
+                    action = "charge.payment";
+                    postfix = "cannot.be.made.before.last.transaction.date";
+                break;
+                default:
+                break;
+            }
+            throw new InvalidLoanStateTransitionException(action, postfix, errorMessage, clientOfficeJoiningDate);
+        }
+    }
+
+    private LocalDate getLastUserTransactionDate() {
+        LocalDate currentTransactionDate = getDisbursementDate();
+        for (final LoanTransaction previousTransaction : this.loanTransactions) {
+            if (!(previousTransaction.isReversed() || previousTransaction.isAccrual())) {
+                if (currentTransactionDate.isBefore(previousTransaction.getTransactionDate())) {
+                    currentTransactionDate = previousTransaction.getTransactionDate();
+                }
+            }
+        }
+        return currentTransactionDate;
+    }
+
+    public LocalDate getLastUserTransactionForChargeCalc() {
+        LocalDate lastTransaction = getDisbursementDate();
+        if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            lastTransaction = getLastUserTransactionDate();
+        }
+        return lastTransaction;
+    }
+
     public Set<LoanCharge> charges() {
         Set<LoanCharge> loanCharges = new HashSet<>();
         if (this.charges != null) {
@@ -4081,9 +4210,7 @@ public class Loan extends AbstractPersistable<Long> {
 
     public ChangedTransactionDetail updateDisbursementDateForTranche(final LoanDisbursementDetails disbursementDetails,
             final JsonCommand command, final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds,
-            final Map<String, Object> actualChanges, final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency currency, final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays, final CalendarInstance calendarInstanceForInterestRecalculation) {
+            final Map<String, Object> actualChanges, final ScheduleGeneratorDTO scheduleGeneratorDTO) {
         validateAccountStatus(LoanEvent.LOAN_EDIT_MULTI_DISBURSE_DATE);
         final LocalDate expectedDisbursementDate = command.localDateValueOfParameterNamed(LoanApiConstants.disbursementDateParameterName);
         disbursementDetails.updateExpectedDisbursementDate(expectedDisbursementDate.toDate());
@@ -4095,12 +4222,9 @@ public class Loan extends AbstractPersistable<Long> {
         existingReversedTransactionIds.addAll(findExistingReversedTransactionIds());
 
         if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-            LocalDate recalculateFrom = null;
-            regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate,
-                    isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation, recalculateFrom);
+            regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
         } else {
-            regenerateRepaymentSchedule(loanScheduleFactory, currency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays,
-                    workingDays);
+            regenerateRepaymentSchedule(scheduleGeneratorDTO);
         }
 
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessorFactory
@@ -4108,7 +4232,7 @@ public class Loan extends AbstractPersistable<Long> {
         final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
         ChangedTransactionDetail changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(
                 getDisbursementDate(), allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments,
-                charges());
+                charges(), getLastUserTransactionForChargeCalc());
         for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
             mapEntry.getValue().updateLoan(this);
             this.loanTransactions.add(mapEntry.getValue());
@@ -4178,31 +4302,40 @@ public class Loan extends AbstractPersistable<Long> {
         return maturityDate;
     }
 
-    public ChangedTransactionDetail recalculateScheduleFromLastTransaction(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency applicationCurrency, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays,
-            final CalendarInstance calendarInstanceForInterestRecalculation, final List<Long> existingTransactionIds,
-            final List<Long> existingReversedTransactionIds) {
+    public ChangedTransactionDetail recalculateScheduleFromLastTransaction(final ScheduleGeneratorDTO generatorDTO,
+            final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds) {
         existingTransactionIds.addAll(findExistingTransactionIds());
         existingReversedTransactionIds.addAll(findExistingReversedTransactionIds());
-        LocalDate recalculateFrom = null;
-        List<LoanTransaction> loanTransactions = this.retreiveListOfTransactionsPostDisbursementExcludeAccruals();
-        for (LoanTransaction loanTransaction : loanTransactions) {
-            if (recalculateFrom == null || loanTransaction.getTransactionDate().isAfter(recalculateFrom)) {
-                recalculateFrom = loanTransaction.getTransactionDate();
-            }
-        }
+        /*
+         * LocalDate recalculateFrom = null; List<LoanTransaction>
+         * loanTransactions =
+         * this.retreiveListOfTransactionsPostDisbursementExcludeAccruals(); for
+         * (LoanTransaction loanTransaction : loanTransactions) { if
+         * (recalculateFrom == null ||
+         * loanTransaction.getTransactionDate().isAfter(recalculateFrom)) {
+         * recalculateFrom = loanTransaction.getTransactionDate(); } }
+         * generatorDTO.setRecalculateFrom(recalculateFrom);
+         */
         if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-            regenerateRepaymentScheduleWithInterestRecalculation(loanScheduleFactory, applicationCurrency,
-                    calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays,
-                    calendarInstanceForInterestRecalculation, recalculateFrom);
+            regenerateRepaymentScheduleWithInterestRecalculation(generatorDTO);
         }
+        return processTransactions();
+
+    }
+
+    public ChangedTransactionDetail handleRegenerateRepaymentScheduleWithInterestRecalculation(final ScheduleGeneratorDTO generatorDTO) {
+        regenerateRepaymentScheduleWithInterestRecalculation(generatorDTO);
+        return processTransactions();
+
+    }
+
+    private ChangedTransactionDetail processTransactions() {
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessorFactory
                 .determineProcessor(this.transactionProcessingStrategy);
         final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
         ChangedTransactionDetail changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.handleTransaction(
                 getDisbursementDate(), allNonContraTransactionsPostDisbursement, getCurrency(), this.repaymentScheduleInstallments,
-                charges());
+                charges(), getLastUserTransactionForChargeCalc());
         for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
             mapEntry.getValue().updateLoan(this);
         }
@@ -4216,28 +4349,38 @@ public class Loan extends AbstractPersistable<Long> {
         updateLoanSummaryDerivedFields();
 
         this.loanTransactions.removeAll(changedTransactionDetail.getNewTransactionMappings().values());
-        return changedTransactionDetail;
 
+        return changedTransactionDetail;
     }
 
-    private void regenerateRepaymentScheduleWithInterestRecalculation(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency applicationCurrency, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays,
-            final CalendarInstance calendarInstanceForInterestRecalculation, LocalDate recalculateFrom) {
+    private void regenerateRepaymentScheduleWithInterestRecalculation(final ScheduleGeneratorDTO generatorDTO) {
 
-        final LoanScheduleModel loanSchedule = getRecalculatedSchedule(loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, calendarInstanceForInterestRecalculation,
-                recalculateFrom);
+        LocalDate lastTransactionDate = getLastUserTransactionDate();
+        generatorDTO.setLastTransactionDate(lastTransactionDate);
+        final LoanScheduleModel loanSchedule = getRecalculatedSchedule(generatorDTO);
         if (loanSchedule == null) { return; }
-
         updateLoanSchedule(loanSchedule);
         LocalDate lastRepaymentDate = this.getLastRepaymentPeriodDueDate();
+
+        final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessorFactory
+                .determineProcessor(this.transactionProcessingStrategy);
+        final List<LoanTransaction> allNonContraTransactionsPostDisbursement = retreiveListOfTransactionsPostDisbursement();
+        final List<LoanTransaction> copyTransactions = new ArrayList<>();
+        for (LoanTransaction loanTransaction : allNonContraTransactionsPostDisbursement) {
+            copyTransactions.add(LoanTransaction.copyTransactionProperties(loanTransaction));
+        }
+        loanRepaymentScheduleTransactionProcessor.populateDerivedFeildsWithoutReprocess(getDisbursementDate(), copyTransactions,
+                getCurrency(), this.repaymentScheduleInstallments, charges(), getLastUserTransactionForChargeCalc());
+
         Set<LoanCharge> charges = this.charges();
         for (LoanCharge loanCharge : charges) {
             if (!loanCharge.isDueAtDisbursement()) {
-                if (loanCharge.getDueLocalDate() == null || !lastRepaymentDate.isBefore(loanCharge.getDueLocalDate())) {
-                    recalculateLoanCharge(loanCharge);
-                    loanCharge.updateWaivedAmount(getCurrency());
+                updateOverdueScheduleInstallment(loanCharge);
+                if (loanCharge.getDueLocalDate() == null || (!lastRepaymentDate.isBefore(loanCharge.getDueLocalDate()))) {
+                    if (!loanCharge.isWaived() && !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
+                        recalculateLoanCharge(loanCharge, generatorDTO.getPenaltyWaitPeriod());
+                        loanCharge.updateWaivedAmount(getCurrency());
+                    }
                 } else {
                     loanCharge.setActive(false);
                 }
@@ -4246,28 +4389,25 @@ public class Loan extends AbstractPersistable<Long> {
         updateLoanSummaryDerivedFields();
     }
 
-    private LoanScheduleModel getRecalculatedSchedule(final LoanScheduleGeneratorFactory loanScheduleFactory,
-            final ApplicationCurrency applicationCurrency, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays,
-            final CalendarInstance calendarInstanceForInterestRecalculation, LocalDate recalculateFrom) {
+    private LoanScheduleModel getRecalculatedSchedule(final ScheduleGeneratorDTO generatorDTO) {
 
-        if (!this.repaymentScheduleDetail().isInterestRecalculationEnabled() || isNpa) { return null; }
+        if (!this.repaymentScheduleDetail().isInterestRecalculationEnabled() || isNpa || !isOpen()) { return null; }
         final InterestMethod interestMethod = this.loanRepaymentScheduleDetail.getInterestMethod();
-        final LoanScheduleGenerator loanScheduleGenerator = loanScheduleFactory.create(interestMethod);
+        final LoanScheduleGenerator loanScheduleGenerator = generatorDTO.getLoanScheduleFactory().create(interestMethod);
 
         final RoundingMode roundingMode = RoundingMode.HALF_EVEN;
         final MathContext mc = new MathContext(8, roundingMode);
 
-        final LoanApplicationTerms loanApplicationTerms = constructLoanApplicationTerms(applicationCurrency,
-                calculatedRepaymentsStartingFromDate, calendarInstanceForInterestRecalculation);
+        final LoanApplicationTerms loanApplicationTerms = constructLoanApplicationTerms(generatorDTO.getApplicationCurrency(),
+                generatorDTO.getCalculatedRepaymentsStartingFromDate(), generatorDTO.getCalendarInstanceForInterestRecalculation());
 
         final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = this.transactionProcessorFactory
                 .determineProcessor(this.transactionProcessingStrategy);
 
-        final LoanScheduleModel loanSchedule = loanScheduleGenerator.rescheduleNextInstallments(mc, applicationCurrency,
-                loanApplicationTerms, charges(), isHolidayEnabled, holidays, workingDays,
-                retreiveListOfTransactionsPostDisbursementExcludeAccruals(), loanRepaymentScheduleTransactionProcessor,
-                this.repaymentScheduleInstallments, recalculateFrom);
+        final LoanScheduleModel loanSchedule = loanScheduleGenerator.rescheduleNextInstallments(mc, loanApplicationTerms, charges(),
+                generatorDTO.getHolidayDetailDTO(), retreiveListOfTransactionsPostDisbursementExcludeAccruals(),
+                loanRepaymentScheduleTransactionProcessor, this.repaymentScheduleInstallments, generatorDTO.getRecalculateFrom(),
+                generatorDTO.getLastTransactionDate(), generatorDTO.getPenaltyWaitPeriod());
         return loanSchedule;
     }
 
@@ -4576,4 +4716,12 @@ public class Loan extends AbstractPersistable<Long> {
             this.termFrequency = termFrequency;
         }
     }
+
+    public boolean isFeeCompoundingEnabledForInterestRecalculation() {
+        boolean isEnabled = false;
+        if (this.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            isEnabled = this.loanInterestRecalculationDetails.getInterestRecalculationCompoundingMethod().isFeeCompoundingEnabled();
+        }
+        return isEnabled;
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanAccountDomainServiceJpa.java

@@ -20,6 +20,7 @@ import org.mifosplatform.infrastructure.configuration.domain.ConfigurationDomain
 import org.mifosplatform.infrastructure.core.data.ApiParameterError;
 import org.mifosplatform.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.mifosplatform.infrastructure.core.data.DataValidatorBuilder;
+import org.mifosplatform.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.mifosplatform.infrastructure.core.exception.PlatformApiDataValidationException;
 import org.mifosplatform.organisation.holiday.domain.Holiday;
 import org.mifosplatform.organisation.holiday.domain.HolidayRepository;
@@ -43,7 +44,9 @@ import org.mifosplatform.portfolio.client.exception.ClientNotActiveException;
 import org.mifosplatform.portfolio.common.domain.PeriodFrequencyType;
 import org.mifosplatform.portfolio.group.domain.Group;
 import org.mifosplatform.portfolio.group.exception.GroupNotActiveException;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.data.LoanScheduleAccrualData;
+import org.mifosplatform.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 import org.mifosplatform.portfolio.loanaccount.loanschedule.domain.LoanScheduleGeneratorFactory;
 import org.mifosplatform.portfolio.loanaccount.service.LoanAccrualWritePlatformService;
 import org.mifosplatform.portfolio.loanaccount.service.LoanAssembler;
@@ -149,6 +152,9 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
         ApplicationCurrency applicationCurrency = null;
         LocalDate calculatedRepaymentsStartingFromDate = null;
         boolean isHolidayEnabled = false;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate recalculateDueDateChargesFrom = null;
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
@@ -161,12 +167,17 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
                     calendarInstance);
 
             isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays, allowTransactionsOnHoliday,
+                allowTransactionsOnNonWorkingDay);
+        final ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                recalculateDueDateChargesFrom);
 
         final ChangedTransactionDetail changedTransactionDetail = loan.makeRepayment(newRepaymentTransaction,
-                defaultLoanLifecycleStateMachine(), existingTransactionIds, existingReversedTransactionIds, allowTransactionsOnHoliday,
-                holidays, workingDays, allowTransactionsOnNonWorkingDay, isHolidayEnabled, isRecoveryRepayment, this.loanScheduleFactory,
-                applicationCurrency, calculatedRepaymentsStartingFromDate, restCalendarInstance);
+                defaultLoanLifecycleStateMachine(), existingTransactionIds, existingReversedTransactionIds, isRecoveryRepayment,
+                scheduleGeneratorDTO);
 
         saveLoanTransactionWithDataIntegrityViolationChecks(newRepaymentTransaction);
 
@@ -259,17 +270,21 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
 
         final LoanTransaction newPaymentTransaction = LoanTransaction.loanPayment(null, loan.getOffice(), paymentAmout, paymentDetail,
                 transactionDate, txnExternalId, loanTransactionType);
-        final boolean allowTransactionsOnHoliday = this.configurationDomainService.allowTransactionsOnHolidayEnabled();
-        final List<Holiday> holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(),
-                transactionDate.toDate(), HolidayStatusType.ACTIVE.getValue());
-        final WorkingDays workingDays = this.workingDaysRepository.findOne();
-        final boolean allowTransactionsOnNonWorkingDay = this.configurationDomainService.allowTransactionsOnNonWorkingDayEnabled();
+
         if (loanTransactionType.isRepaymentAtDisbursement()) {
             loan.handlePayDisbursementTransaction(chargeId, newPaymentTransaction, existingTransactionIds, existingReversedTransactionIds);
         } else {
+            final boolean allowTransactionsOnHoliday = this.configurationDomainService.allowTransactionsOnHolidayEnabled();
+            final List<Holiday> holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(),
+                    transactionDate.toDate(), HolidayStatusType.ACTIVE.getValue());
+            final WorkingDays workingDays = this.workingDaysRepository.findOne();
+            final boolean allowTransactionsOnNonWorkingDay = this.configurationDomainService.allowTransactionsOnNonWorkingDayEnabled();
+            final boolean isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
+            HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays, allowTransactionsOnHoliday,
+                    allowTransactionsOnNonWorkingDay);
+
             loan.makeChargePayment(chargeId, defaultLoanLifecycleStateMachine(), existingTransactionIds, existingReversedTransactionIds,
-                    allowTransactionsOnHoliday, holidays, workingDays, allowTransactionsOnNonWorkingDay, newPaymentTransaction,
-                    installmentNumber);
+                    holidayDetailDTO, newPaymentTransaction, installmentNumber);
         }
         saveLoanTransactionWithDataIntegrityViolationChecks(newPaymentTransaction);
         saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
@@ -422,7 +437,8 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
     @Override
     public void recalculateAccruals(Loan loan) {
         LocalDate accruedTill = loan.getAccruedTill();
-        if (!loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || accruedTill == null || loan.isAccrualsPresent()) { return; }
+        if (!loan.isPeriodicAccrualAccountingEnabledOnLoanProduct() || !loan.repaymentScheduleDetail().isInterestRecalculationEnabled()
+                || accruedTill == null || loan.isNpa() || !loan.status().isActive()) { return; }
         Collection<LoanScheduleAccrualData> loanScheduleAccrualDatas = new ArrayList<>();
         List<LoanRepaymentScheduleInstallment> installments = loan.fetchRepaymentScheduleInstallments();
         Long loanId = loan.getId();
@@ -436,9 +452,6 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
         ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
         CurrencyData currencyData = applicationCurrency.toData();
         Set<LoanCharge> loanCharges = loan.charges();
-        BigDecimal accruedInterestIncome = null;
-        BigDecimal accruedFeeIncome = null;
-        BigDecimal accruedPenaltyIncome = null;
 
         for (LoanRepaymentScheduleInstallment installment : installments) {
             if (!accruedTill.isBefore(installment.getDueDate())
@@ -463,7 +476,8 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
                         accrualStartDate, repaymentFrequency, repayEvery, installment.getDueDate(), installment.getFromDate(),
                         installment.getId(), loanProductId, installment.getInterestCharged(currency).getAmount(), installment
                                 .getFeeChargesCharged(currency).getAmount(), installment.getPenaltyChargesCharged(currency).getAmount(),
-                        accruedInterestIncome, accruedFeeIncome, accruedPenaltyIncome, currencyData, interestCalculatedFrom, installment
+                        installment.getInterestAccrued(currency).getAmount(), installment.getFeeAccrued(currency).getAmount(), installment
+                                .getPenaltyAccrued(currency).getAmount(), currencyData, interestCalculatedFrom, installment
                                 .getInterestWaived(currency).getAmount());
                 loanScheduleAccrualDatas.add(accrualData);
 
@@ -471,7 +485,11 @@ public class LoanAccountDomainServiceJpa implements LoanAccountDomainService {
         }
 
         if (!loanScheduleAccrualDatas.isEmpty()) {
-            this.accrualWritePlatformService.addPeriodicAccruals(accruedTill, loanScheduleAccrualDatas);
+            String error = this.accrualWritePlatformService.addPeriodicAccruals(accruedTill, loanScheduleAccrualDatas);
+            if (error.length() > 0) {
+                String globalisationMessageCode = "error.msg.accrual.exception";
+                throw new GeneralPlatformDomainRuleException(globalisationMessageCode, error, error);
+            }
         }
     }
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanCharge.java

@@ -879,4 +879,8 @@ public class LoanCharge extends AbstractPersistable<Long> {
         }
 
     }
+
+    public LoanOverdueInstallmentCharge getOverdueInstallmentCharge() {
+        return this.overdueInstallmentCharge;
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanInterestRecalculationDetails.java

@@ -35,6 +35,7 @@ import org.springframework.data.jpa.domain.AbstractPersistable;
 @Table(name = "m_loan_recalculation_details")
 public class LoanInterestRecalculationDetails extends AbstractPersistable<Long> {
 
+    @SuppressWarnings("unused")
     @OneToOne
     @JoinColumn(name = "loan_id", nullable = false)
     private Loan loan;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanOverdueInstallmentCharge.java

@@ -24,19 +24,27 @@ public class LoanOverdueInstallmentCharge extends AbstractPersistable<Long> {
     @ManyToOne(optional = false)
     @JoinColumn(name = "loan_schedule_id", referencedColumnName = "id", nullable = false)
     private LoanRepaymentScheduleInstallment installment;
-    
-    @Column(name="frequency_number")
+
+    @Column(name = "frequency_number")
     private Integer frequencyNumber;
 
- 
-    public LoanOverdueInstallmentCharge(){
-        
+    public LoanOverdueInstallmentCharge() {
+
     }
-    
-    public LoanOverdueInstallmentCharge(final LoanCharge loanCharge,final LoanRepaymentScheduleInstallment installment, final Integer frequencyNumber){
+
+    public LoanOverdueInstallmentCharge(final LoanCharge loanCharge, final LoanRepaymentScheduleInstallment installment,
+            final Integer frequencyNumber) {
         this.loancharge = loanCharge;
         this.installment = installment;
         this.frequencyNumber = frequencyNumber;
     }
 
+    public void updateLoanRepaymentScheduleInstallment(LoanRepaymentScheduleInstallment loanRepaymentScheduleInstallment) {
+        this.installment = loanRepaymentScheduleInstallment;
+    }
+
+    public LoanRepaymentScheduleInstallment getInstallment() {
+        return this.installment;
+    }
+
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanRepaymentScheduleInstallment.java

@@ -65,7 +65,7 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
 
     @Column(name = "accrual_interest_derived", scale = 6, precision = 19, nullable = true)
     private BigDecimal interestAccrued;
-    
+
     @Column(name = "fee_charges_amount", scale = 6, precision = 19, nullable = true)
     private BigDecimal feeChargesCharged;
 
@@ -78,6 +78,9 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
     @Column(name = "fee_charges_waived_derived", scale = 6, precision = 19, nullable = true)
     private BigDecimal feeChargesWaived;
 
+    @Column(name = "accrual_fee_charges_derived", scale = 6, precision = 19, nullable = true)
+    private BigDecimal feeAccrued;
+
     @Column(name = "penalty_charges_amount", scale = 6, precision = 19, nullable = true)
     private BigDecimal penaltyCharges;
 
@@ -90,6 +93,9 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
     @Column(name = "penalty_charges_waived_derived", scale = 6, precision = 19, nullable = true)
     private BigDecimal penaltyChargesWaived;
 
+    @Column(name = "accrual_penalty_charges_derived", scale = 6, precision = 19, nullable = true)
+    private BigDecimal penaltyAccrued;
+
     @Column(name = "total_paid_in_advance_derived", scale = 6, precision = 19, nullable = true)
     private BigDecimal totalPaidInAdvance;
 
@@ -127,10 +133,10 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
         this.obligationsMet = false;
         this.recalculatedInterestComponent = recalculatedInterestComponent;
     }
-    
+
     public LoanRepaymentScheduleInstallment(final Loan loan) {
-    	this.loan = loan;
-    	this.installmentNumber = null;
+        this.loan = loan;
+        this.installmentNumber = null;
         this.fromDate = null;
         this.dueDate = null;
         this.obligationsMet = false;
@@ -204,6 +210,10 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
         return getInterestCharged(currency).minus(interestAccountedFor);
     }
 
+    public Money getInterestAccrued(final MonetaryCurrency currency) {
+        return Money.of(currency, this.interestAccrued);
+    }
+
     public Money getFeeChargesCharged(final MonetaryCurrency currency) {
         return Money.of(currency, this.feeChargesCharged);
     }
@@ -226,6 +236,10 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
         return getFeeChargesCharged(currency).minus(feeChargesAccountedFor);
     }
 
+    public Money getFeeAccrued(final MonetaryCurrency currency) {
+        return Money.of(currency, this.feeAccrued);
+    }
+
     public Money getPenaltyChargesCharged(final MonetaryCurrency currency) {
         return Money.of(currency, this.penaltyCharges);
     }
@@ -248,6 +262,10 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
         return getPenaltyChargesCharged(currency).minus(feeChargesAccountedFor);
     }
 
+    public Money getPenaltyAccrued(final MonetaryCurrency currency) {
+        return Money.of(currency, this.penaltyAccrued);
+    }
+
     public boolean isInterestDue(final MonetaryCurrency currency) {
         return getInterestOutstanding(currency).isGreaterThanZero();
     }
@@ -264,10 +282,9 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
     public void updateLoan(final Loan loan) {
         this.loan = loan;
     }
-    
+
     public boolean isPartlyPaid() {
-    	return !this.obligationsMet && (this.interestPaid != null || this.feeChargesPaid != null
-    			|| this.principalCompleted != null);
+        return !this.obligationsMet && (this.interestPaid != null || this.feeChargesPaid != null || this.principalCompleted != null);
     }
 
     public boolean isObligationsMet() {
@@ -507,6 +524,12 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
         this.penaltyChargesWrittenOff = defaultToNullIfZero(penaltyChargesWrittenOff.getAmount());
     }
 
+    public void updateAccrualPortion(final Money interest, final Money feeCharges, final Money penalityCharges) {
+        this.interestAccrued = defaultToNullIfZero(interest.getAmount());
+        this.feeAccrued = defaultToNullIfZero(feeCharges.getAmount());
+        this.penaltyAccrued = defaultToNullIfZero(penalityCharges.getAmount());
+    }
+
     public void updateDerivedFields(final MonetaryCurrency currency, final LocalDate actualDisbursementDate) {
         if (!this.obligationsMet && getTotalOutstanding(currency).isZero()) {
             this.obligationsMet = true;
@@ -569,59 +592,57 @@ public final class LoanRepaymentScheduleInstallment extends AbstractAuditableCus
     public void setRecalculatedInterestComponent(boolean recalculatedInterestComponent) {
         this.recalculatedInterestComponent = recalculatedInterestComponent;
     }
-    
-    public void updateInstallmentNumber(final Integer installmentNumber) {
-    	if(installmentNumber != null) {
-    		this.installmentNumber = installmentNumber;
-    	}
-    }
-    
-    public void updateInterestCharged(final BigDecimal interestCharged) {
-    	this.interestCharged = interestCharged;
-    }
-    
-    public void updateObligationMet(final Boolean obligationMet) {
-    	this.obligationsMet = obligationMet;
-    }
-    
-    public void updateObligationMetOnDate(final LocalDate obligationsMetOnDate) {
-    	this.obligationsMetOnDate = (obligationsMetOnDate != null) ? obligationsMetOnDate.toDate() : null;
-    }
-    
-    public void updateInterestWrittenOff(final BigDecimal interestWrittenOff) {
-    	this.interestWrittenOff = interestWrittenOff;
-    }
-    
-    public void updatePrincipal(final BigDecimal principal) {
-    	this.principal = principal;
-    }
-    
-    public static Comparator<LoanRepaymentScheduleInstallment> installmentNumberComparator 
-    	= new Comparator<LoanRepaymentScheduleInstallment>() {
 
-		@Override
-		public int compare(LoanRepaymentScheduleInstallment arg0,
-				LoanRepaymentScheduleInstallment arg1) {
-			
-			return arg0.getInstallmentNumber().compareTo(arg1.getInstallmentNumber());
-		}
+    public void updateInstallmentNumber(final Integer installmentNumber) {
+        if (installmentNumber != null) {
+            this.installmentNumber = installmentNumber;
+        }
+    }
+
+    public void updateInterestCharged(final BigDecimal interestCharged) {
+        this.interestCharged = interestCharged;
+    }
+
+    public void updateObligationMet(final Boolean obligationMet) {
+        this.obligationsMet = obligationMet;
+    }
+
+    public void updateObligationMetOnDate(final LocalDate obligationsMetOnDate) {
+        this.obligationsMetOnDate = (obligationsMetOnDate != null) ? obligationsMetOnDate.toDate() : null;
+    }
+
+    public void updateInterestWrittenOff(final BigDecimal interestWrittenOff) {
+        this.interestWrittenOff = interestWrittenOff;
+    }
+
+    public void updatePrincipal(final BigDecimal principal) {
+        this.principal = principal;
+    }
+
+    public static Comparator<LoanRepaymentScheduleInstallment> installmentNumberComparator = new Comparator<LoanRepaymentScheduleInstallment>() {
+
+        @Override
+        public int compare(LoanRepaymentScheduleInstallment arg0, LoanRepaymentScheduleInstallment arg1) {
+
+            return arg0.getInstallmentNumber().compareTo(arg1.getInstallmentNumber());
+        }
     };
-    
+
     public BigDecimal getTotalPaidInAdvance() {
-    	return this.totalPaidInAdvance;
+        return this.totalPaidInAdvance;
     }
-    
+
     public BigDecimal getTotalPaidLate() {
-    	return this.totalPaidLate;
+        return this.totalPaidLate;
     }
-    
+
     public LocalDate getObligationsMetOnDate() {
-    	LocalDate obligationsMetOnDate = null;
-    	
-    	if(this.obligationsMetOnDate != null) {
-    		obligationsMetOnDate = new LocalDate(this.obligationsMetOnDate);
-    	}
-    	
-    	return obligationsMetOnDate;
+        LocalDate obligationsMetOnDate = null;
+
+        if (this.obligationsMetOnDate != null) {
+            obligationsMetOnDate = new LocalDate(this.obligationsMetOnDate);
+        }
+
+        return obligationsMetOnDate;
     }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanRepaymentScheduleProcessingWrapper.java

@@ -20,24 +20,29 @@ import org.mifosplatform.organisation.monetary.domain.Money;
 public class LoanRepaymentScheduleProcessingWrapper {
 
     public void reprocess(final MonetaryCurrency currency, final LocalDate disbursementDate,
-            final List<LoanRepaymentScheduleInstallment> repaymentPeriods, final Set<LoanCharge> loanCharges) {
+            final List<LoanRepaymentScheduleInstallment> repaymentPeriods, final Set<LoanCharge> loanCharges,
+            final LocalDate lastTransactionDate) {
 
         Money totalInterest = Money.zero(currency);
+        Money totalPrincipal = Money.zero(currency);
         for (final LoanRepaymentScheduleInstallment installment : repaymentPeriods) {
             totalInterest = totalInterest.plus(installment.getInterestCharged(currency));
+            totalPrincipal = totalPrincipal.plus(installment.getPrincipal(currency));
         }
         LocalDate startDate = disbursementDate;
         for (final LoanRepaymentScheduleInstallment period : repaymentPeriods) {
 
             final Money feeChargesDueForRepaymentPeriod = cumulativeFeeChargesDueWithin(startDate, period.getDueDate(), loanCharges,
-                    currency, period, repaymentPeriods.size(), totalInterest, !period.isRecalculatedInterestComponent());
+                    currency, period, repaymentPeriods.size(), totalPrincipal, totalInterest, !period.isRecalculatedInterestComponent(),
+                    lastTransactionDate);
             final Money feeChargesWaivedForRepaymentPeriod = cumulativeFeeChargesWaivedWithin(startDate, period.getDueDate(), loanCharges,
                     currency, !period.isRecalculatedInterestComponent());
             final Money feeChargesWrittenOffForRepaymentPeriod = cumulativeFeeChargesWrittenOffWithin(startDate, period.getDueDate(),
                     loanCharges, currency, !period.isRecalculatedInterestComponent());
 
             final Money penaltyChargesDueForRepaymentPeriod = cumulativePenaltyChargesDueWithin(startDate, period.getDueDate(),
-                    loanCharges, currency, period, repaymentPeriods.size(), totalInterest, !period.isRecalculatedInterestComponent());
+                    loanCharges, currency, period, repaymentPeriods.size(), totalPrincipal, totalInterest,
+                    !period.isRecalculatedInterestComponent(), lastTransactionDate);
             final Money penaltyChargesWaivedForRepaymentPeriod = cumulativePenaltyChargesWaivedWithin(startDate, period.getDueDate(),
                     loanCharges, currency, !period.isRecalculatedInterestComponent());
             final Money penaltyChargesWrittenOffForRepaymentPeriod = cumulativePenaltyChargesWrittenOffWithin(startDate,
@@ -53,7 +58,8 @@ public class LoanRepaymentScheduleProcessingWrapper {
 
     private Money cumulativeFeeChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd, final Set<LoanCharge> loanCharges,
             final MonetaryCurrency monetaryCurrency, LoanRepaymentScheduleInstallment period, int numberOfRepayments,
-            final Money totalInterest, boolean isInstallmentChargeApplicable) {
+            final Money totalPrincipal, final Money totalInterest, boolean isInstallmentChargeApplicable,
+            final LocalDate lastTransactionDate) {
 
         Money cumulative = Money.zero(monetaryCurrency);
 
@@ -80,14 +86,15 @@ public class LoanRepaymentScheduleProcessingWrapper {
                         && loanCharge.getChargeCalculation().isPercentageBased()) {
                     cumulative = cumulative.plus(loanCharge.chargeAmount());
                 } else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
-                        && loanCharge.getChargeCalculation().isPercentageBased()) {
+                        && loanCharge.getChargeCalculation().isPercentageBased()
+                        && !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
                     BigDecimal amount = BigDecimal.ZERO;
                     if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
-                        amount = amount.add(period.getLoan().getPrincpal().getAmount()).add(totalInterest.getAmount());
+                        amount = amount.add(totalPrincipal.getAmount()).add(totalInterest.getAmount());
                     } else if (loanCharge.getChargeCalculation().isPercentageOfInterest()) {
                         amount = amount.add(totalInterest.getAmount());
                     } else {
-                        amount = amount.add(period.getLoan().getPrincpal().getAmount());
+                        amount = amount.add(totalPrincipal.getAmount());
                     }
                     BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
                     cumulative = cumulative.plus(loanChargeAmt);
@@ -144,7 +151,8 @@ public class LoanRepaymentScheduleProcessingWrapper {
 
     private Money cumulativePenaltyChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd,
             final Set<LoanCharge> loanCharges, final MonetaryCurrency currency, LoanRepaymentScheduleInstallment period,
-            int numberOfRepayments, Money totalInterest, boolean isInstallmentChargeApplicable) {
+            int numberOfRepayments, final Money totalPrincipal, final Money totalInterest, boolean isInstallmentChargeApplicable,
+            final LocalDate lastTransactionDate) {
 
         Money cumulative = Money.zero(currency);
 
@@ -171,14 +179,15 @@ public class LoanRepaymentScheduleProcessingWrapper {
                         && loanCharge.getChargeCalculation().isPercentageBased()) {
                     cumulative = cumulative.plus(loanCharge.chargeAmount());
                 } else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
-                        && loanCharge.getChargeCalculation().isPercentageBased()) {
+                        && loanCharge.getChargeCalculation().isPercentageBased()
+                        && !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
                     BigDecimal amount = BigDecimal.ZERO;
                     if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
-                        amount = amount.add(period.getLoan().getPrincpal().getAmount()).add(totalInterest.getAmount());
+                        amount = amount.add(totalPrincipal.getAmount()).add(totalInterest.getAmount());
                     } else if (loanCharge.getChargeCalculation().isPercentageOfInterest()) {
                         amount = amount.add(totalInterest.getAmount());
                     } else {
-                        amount = amount.add(period.getLoan().getPrincpal().getAmount());
+                        amount = amount.add(totalPrincipal.getAmount());
                     }
                     BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
                     cumulative = cumulative.plus(loanChargeAmt);

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/LoanTransaction.java

@@ -241,7 +241,7 @@ public final class LoanTransaction extends AbstractPersistable<Long> {
             final Money feeChargesWaived, final Money penaltyChargesWaived, final Money unrecognizedCharge) {
         final LoanTransaction waiver = new LoanTransaction(loan, office, LoanTransactionType.WAIVE_CHARGES, waived.getAmount(), waiveDate,
                 null);
-        waiver.updateChargesComponents(feeChargesWaived, penaltyChargesWaived,unrecognizedCharge);
+        waiver.updateChargesComponents(feeChargesWaived, penaltyChargesWaived, unrecognizedCharge);
 
         return waiver;
     }
@@ -304,7 +304,7 @@ public final class LoanTransaction extends AbstractPersistable<Long> {
         updateChargesComponents(feeCharges, penaltyCharges);
     }
 
-    private void updateChargesComponents(final Money feeCharges, final Money penaltyCharges) {
+    public void updateChargesComponents(final Money feeCharges, final Money penaltyCharges) {
         final MonetaryCurrency currency = feeCharges.getCurrency();
         this.feeChargesPortion = defaultToNullIfZero(getFeeChargesPortion(currency).plus(feeCharges).getAmount());
         this.penaltyChargesPortion = defaultToNullIfZero(getPenaltyChargesPortion(currency).plus(penaltyCharges).getAmount());
@@ -322,7 +322,7 @@ public final class LoanTransaction extends AbstractPersistable<Long> {
         this.interestPortion = defaultToNullIfZero(getInterestPortion(currency).plus(interest).getAmount());
         this.unrecognizedIncomePortion = defaultToNullIfZero(getUnrecognizedIncomePortion(currency).plus(unrecognizedInterest).getAmount());
     }
-    
+
     public void adjustInterestComponent(final MonetaryCurrency currency) {
         this.interestPortion = defaultToNullIfZero(getInterestPortion(currency).minus(getUnrecognizedIncomePortion(currency)).getAmount());
     }
@@ -503,7 +503,8 @@ public final class LoanTransaction extends AbstractPersistable<Long> {
         }
         return new LoanTransactionData(getId(), this.office.getId(), this.office.getName(), transactionType, paymentDetailData,
                 currencyData, getTransactionDate(), this.amount, this.principalPortion, this.interestPortion, this.feeChargesPortion,
-                this.penaltyChargesPortion, this.overPaymentPortion, this.externalId, transfer, null, outstandingLoanBalance, unrecognizedIncomePortion);
+                this.penaltyChargesPortion, this.overPaymentPortion, this.externalId, transfer, null, outstandingLoanBalance,
+                unrecognizedIncomePortion);
     }
 
     public Map<String, Object> toMapData(final CurrencyData currencyData) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/transactionprocessor/AbstractLoanRepaymentScheduleTransactionProcessor.java

@@ -48,7 +48,16 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
     @Override
     public ChangedTransactionDetail handleTransaction(final LocalDate disbursementDate,
             final List<LoanTransaction> transactionsPostDisbursement, final MonetaryCurrency currency,
-            final List<LoanRepaymentScheduleInstallment> installments, final Set<LoanCharge> charges) {
+            final List<LoanRepaymentScheduleInstallment> installments, final Set<LoanCharge> charges, final LocalDate recalculateChargesFrom) {
+        final boolean reprocessCharges = true;
+        return handleTransaction(disbursementDate, transactionsPostDisbursement, currency, installments, charges, recalculateChargesFrom,
+                reprocessCharges);
+    }
+
+    private ChangedTransactionDetail handleTransaction(final LocalDate disbursementDate,
+            final List<LoanTransaction> transactionsPostDisbursement, final MonetaryCurrency currency,
+            final List<LoanRepaymentScheduleInstallment> installments, final Set<LoanCharge> charges,
+            final LocalDate recalculateChargesFrom, boolean reprocessCharges) {
 
         if (charges != null) {
             for (final LoanCharge loanCharge : charges) {
@@ -65,8 +74,10 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
 
         // re-process loan charges over repayment periods (picking up on waived
         // loan charges)
-        final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
-        wrapper.reprocess(currency, disbursementDate, installments, charges);
+        if (reprocessCharges) {
+            final LoanRepaymentScheduleProcessingWrapper wrapper = new LoanRepaymentScheduleProcessingWrapper();
+            wrapper.reprocess(currency, disbursementDate, installments, charges, recalculateChargesFrom);
+        }
 
         final ChangedTransactionDetail changedTransactionDetail = new ChangedTransactionDetail();
         final List<LoanTransaction> transactionstoBeProcessed = new ArrayList<>();
@@ -199,7 +210,7 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
             final List<LoanRepaymentScheduleInstallment> installments, final Set<LoanCharge> charges, final Money chargeAmountToProcess,
             final boolean isFeeCharge) {
         // to.
-        if(loanTransaction.isRepayment() || loanTransaction.isInterestWaiver() || loanTransaction.isRecoveryRepayment()){
+        if (loanTransaction.isRepayment() || loanTransaction.isInterestWaiver() || loanTransaction.isRecoveryRepayment()) {
             loanTransaction.resetDerivedComponents();
         }
         Money transactionAmountUnprocessed = processTransaction(loanTransaction, currency, installments, chargeAmountToProcess);
@@ -500,4 +511,13 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
         }
     }
 
+    @Override
+    public ChangedTransactionDetail populateDerivedFeildsWithoutReprocess(final LocalDate disbursementDate,
+            final List<LoanTransaction> transactionsPostDisbursement, final MonetaryCurrency currency,
+            final List<LoanRepaymentScheduleInstallment> installments, final Set<LoanCharge> charges, final LocalDate recalculateChargesFrom) {
+        final boolean reprocessCharges = false;
+        return handleTransaction(disbursementDate, transactionsPostDisbursement, currency, installments, charges, recalculateChargesFrom,
+                reprocessCharges);
+    }
+
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/domain/transactionprocessor/LoanRepaymentScheduleTransactionProcessor.java

@@ -23,7 +23,8 @@ public interface LoanRepaymentScheduleTransactionProcessor {
             Set<LoanCharge> charges);
 
     ChangedTransactionDetail handleTransaction(LocalDate disbursementDate, List<LoanTransaction> repaymentsOrWaivers,
-            MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> repaymentScheduleInstallments, Set<LoanCharge> charges);
+            MonetaryCurrency currency, List<LoanRepaymentScheduleInstallment> repaymentScheduleInstallments, Set<LoanCharge> charges,
+            LocalDate recalculateChargesFrom);
 
     void handleWriteOff(LoanTransaction loanTransaction, MonetaryCurrency loanCurrency,
             List<LoanRepaymentScheduleInstallment> repaymentScheduleInstallments);
@@ -31,13 +32,18 @@ public interface LoanRepaymentScheduleTransactionProcessor {
     List<RecalculationDetail> handleRepaymentSchedule(List<LoanTransaction> transactionsPostDisbursement, MonetaryCurrency currency,
             List<LoanRepaymentScheduleInstallment> installments, LoanRepaymentScheduleInstallment currentInstallment,
             Map<LocalDate, LocalDate> recalculationDates, LoanTransaction preCloseTransaction);
-    
+
     /**
-     * Used in interest recalculation to introduce new interest only installment.
+     * Used in interest recalculation to introduce new interest only
+     * installment.
      */
     boolean isInterestFirstRepaymentScheduleTransactionProcessor();
-    
+
     void applyTransaction(List<LoanTransaction> transactionsPostDisbursement, MonetaryCurrency currency,
             List<LoanRepaymentScheduleInstallment> installments);
 
+    ChangedTransactionDetail populateDerivedFeildsWithoutReprocess(LocalDate disbursementDate,
+            List<LoanTransaction> transactionsPostDisbursement, MonetaryCurrency currency,
+            List<LoanRepaymentScheduleInstallment> installments, Set<LoanCharge> charges, LocalDate recalculateChargesFrom);
+
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/domain/AbstractLoanScheduleGenerator.java

@@ -11,6 +11,7 @@ import java.util.ArrayList;
 import java.util.Collection;
 import java.util.Collections;
 import java.util.HashMap;
+import java.util.HashSet;
 import java.util.List;
 import java.util.Map;
 import java.util.Set;
@@ -18,14 +19,13 @@ import java.util.TreeMap;
 
 import org.joda.time.Days;
 import org.joda.time.LocalDate;
-import org.mifosplatform.organisation.holiday.domain.Holiday;
 import org.mifosplatform.organisation.monetary.domain.ApplicationCurrency;
 import org.mifosplatform.organisation.monetary.domain.MonetaryCurrency;
 import org.mifosplatform.organisation.monetary.domain.Money;
-import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
 import org.mifosplatform.portfolio.calendar.domain.CalendarInstance;
 import org.mifosplatform.portfolio.calendar.service.CalendarUtils;
 import org.mifosplatform.portfolio.loanaccount.data.DisbursementData;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.domain.Loan;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanCharge;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
@@ -49,22 +49,21 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
     private final PaymentPeriodsInOneYearCalculator paymentPeriodsInOneYearCalculator = new DefaultPaymentPeriodsInOneYearCalculator();
 
     @Override
-    public LoanScheduleModel generate(final MathContext mc, final ApplicationCurrency applicationCurrency,
-            final LoanApplicationTerms loanApplicationTerms, final Set<LoanCharge> loanCharges, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays) {
+    public LoanScheduleModel generate(final MathContext mc, final LoanApplicationTerms loanApplicationTerms,
+            final Set<LoanCharge> loanCharges, final HolidayDetailDTO holidayDetailDTO) {
         final List<RecalculationDetail> diffAmt = null;
         final LocalDate prepayDate = null;
-        return generate(mc, applicationCurrency, loanApplicationTerms, loanCharges, isHolidayEnabled, holidays, workingDays, diffAmt,
-                prepayDate);
+        final LocalDate lastTransactionDate = loanApplicationTerms.getExpectedDisbursementDate();
+        return generate(mc, loanApplicationTerms, loanCharges, holidayDetailDTO, diffAmt, prepayDate, lastTransactionDate);
     }
 
-    private LoanScheduleModel generate(final MathContext mc, final ApplicationCurrency applicationCurrency,
-            final LoanApplicationTerms loanApplicationTerms, final Set<LoanCharge> loanCharges, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays, List<RecalculationDetail> diffAmt, LocalDate prepayDate) {
+    private LoanScheduleModel generate(final MathContext mc, final LoanApplicationTerms loanApplicationTerms,
+            final Set<LoanCharge> loanCharges, final HolidayDetailDTO holidayDetailDTO, List<RecalculationDetail> diffAmt,
+            final LocalDate prepayDate, final LocalDate lastTransactionDate) {
 
+        final ApplicationCurrency applicationCurrency = loanApplicationTerms.getApplicationCurrency();
         // 1. generate list of proposed schedule due dates
-        final LocalDate loanEndDate = this.scheduledDateGenerator.getLastRepaymentDate(loanApplicationTerms, isHolidayEnabled, holidays,
-                workingDays);
+        final LocalDate loanEndDate = this.scheduledDateGenerator.getLastRepaymentDate(loanApplicationTerms, holidayDetailDTO);
         loanApplicationTerms.updateLoanEndDate(loanEndDate);
 
         // 2. determine the total charges due at time of disbursement
@@ -144,7 +143,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                         isFirstRepayment);
                 isFirstRepayment = false;
                 scheduledDueDate = this.scheduledDateGenerator.adjustRepaymentDate(actualRepaymentDate, loanApplicationTerms,
-                        isHolidayEnabled, holidays, workingDays);
+                        holidayDetailDTO);
                 scheduledDueDateAsPerFrequency = scheduledDueDate;
             } else {
                 recalculatedInterestComponent = true;
@@ -153,7 +152,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                 LocalDate actualRepayment = this.scheduledDateGenerator.generateNextRepaymentDate(actualRepaymentDate,
                         loanApplicationTerms, isFirstRepayment);
                 scheduledDueDateAsPerFrequency = this.scheduledDateGenerator.adjustRepaymentDate(actualRepayment, loanApplicationTerms,
-                        isHolidayEnabled, holidays, workingDays);
+                        holidayDetailDTO);
             }
 
             final int daysInPeriod = Days.daysBetween(periodStartDate, scheduledDueDate).getDays();
@@ -488,10 +487,12 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                         Money.of(currency, loanScheduleModelPeriod.interestDue()), null);
                 Money feeChargesForInstallment = cumulativeFeeChargesDueWithin(loanScheduleModelPeriod.periodFromDate(),
                         loanScheduleModelPeriod.periodDueDate(), loanCharges, currency, principalInterest, principalDisbursed,
-                        totalCumulativeInterest, numberOfRepayments, !loanScheduleModelPeriod.isRecalculatedInterestComponent());
+                        totalCumulativeInterest, numberOfRepayments, !loanScheduleModelPeriod.isRecalculatedInterestComponent(),
+                        lastTransactionDate);
                 Money penaltyChargesForInstallment = cumulativePenaltyChargesDueWithin(loanScheduleModelPeriod.periodFromDate(),
                         loanScheduleModelPeriod.periodDueDate(), loanCharges, currency, principalInterest, principalDisbursed,
-                        totalCumulativeInterest, numberOfRepayments, !loanScheduleModelPeriod.isRecalculatedInterestComponent());
+                        totalCumulativeInterest, numberOfRepayments, !loanScheduleModelPeriod.isRecalculatedInterestComponent(),
+                        lastTransactionDate);
                 totalFeeChargesCharged = totalFeeChargesCharged.add(feeChargesForInstallment.getAmount());
                 totalPenaltyChargesCharged = totalPenaltyChargesCharged.add(penaltyChargesForInstallment.getAmount());
                 loanScheduleModelPeriod.addLoanCharges(feeChargesForInstallment.getAmount(), penaltyChargesForInstallment.getAmount());
@@ -549,8 +550,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
 
     @Override
     public LoanRescheduleModel reschedule(final MathContext mathContext, final LoanRescheduleRequest loanRescheduleRequest,
-            final ApplicationCurrency applicationCurrency, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays) {
+            final ApplicationCurrency applicationCurrency, final HolidayDetailDTO holidayDetailDTO) {
 
         final Loan loan = loanRescheduleRequest.getLoan();
         final LoanSummary loanSummary = loan.getSummary();
@@ -696,8 +696,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
             // update the number of repayments
             loanApplicationTerms.updateNumberOfRepayments(numberOfRepayments);
 
-            LocalDate loanEndDate = this.scheduledDateGenerator.getLastRepaymentDate(loanApplicationTerms, isHolidayEnabled, holidays,
-                    workingDays);
+            LocalDate loanEndDate = this.scheduledDateGenerator.getLastRepaymentDate(loanApplicationTerms, holidayDetailDTO);
             loanApplicationTerms.updateLoanEndDate(loanEndDate);
 
             if (newInterestRate != null) {
@@ -739,7 +738,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                     }
 
                     adjustedInstallmentDueDate = this.scheduledDateGenerator.adjustRepaymentDate(installmentDueDate, loanApplicationTerms,
-                            isHolidayEnabled, holidays, workingDays);
+                            holidayDetailDTO);
 
                     final int daysInInstallment = Days.daysBetween(installmentFromDate, adjustedInstallmentDueDate).getDays();
 
@@ -936,7 +935,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
     private Money cumulativeFeeChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd, final Set<LoanCharge> loanCharges,
             final MonetaryCurrency monetaryCurrency, final PrincipalInterest principalInterestForThisPeriod,
             final Money principalDisbursed, final Money totalInterestChargedForFullLoanTerm, int numberOfRepayments,
-            boolean isInstallmentChargeApplicable) {
+            boolean isInstallmentChargeApplicable, final LocalDate lastTransactionDate) {
 
         Money cumulative = Money.zero(monetaryCurrency);
 
@@ -963,7 +962,8 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                         && loanCharge.getChargeCalculation().isPercentageBased()) {
                     cumulative = cumulative.plus(loanCharge.chargeAmount());
                 } else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
-                        && loanCharge.getChargeCalculation().isPercentageBased()) {
+                        && loanCharge.getChargeCalculation().isPercentageBased()
+                        && !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
                     BigDecimal amount = BigDecimal.ZERO;
                     if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
                         amount = amount.add(principalDisbursed.getAmount()).add(totalInterestChargedForFullLoanTerm.getAmount());
@@ -986,7 +986,8 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
     private Money cumulativePenaltyChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd,
             final Set<LoanCharge> loanCharges, final MonetaryCurrency monetaryCurrency,
             final PrincipalInterest principalInterestForThisPeriod, final Money principalDisbursed,
-            final Money totalInterestChargedForFullLoanTerm, int numberOfRepayments, boolean isInstallmentChargeApplicable) {
+            final Money totalInterestChargedForFullLoanTerm, int numberOfRepayments, boolean isInstallmentChargeApplicable,
+            final LocalDate lastTransactionDate) {
 
         Money cumulative = Money.zero(monetaryCurrency);
 
@@ -1013,7 +1014,8 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                         && loanCharge.getChargeCalculation().isPercentageBased()) {
                     cumulative = cumulative.plus(loanCharge.chargeAmount());
                 } else if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)
-                        && loanCharge.getChargeCalculation().isPercentageBased()) {
+                        && loanCharge.getChargeCalculation().isPercentageBased()
+                        && !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
                     BigDecimal amount = BigDecimal.ZERO;
                     if (loanCharge.getChargeCalculation().isPercentageOfAmountAndInterest()) {
                         amount = amount.add(principalDisbursed.getAmount()).add(totalInterestChargedForFullLoanTerm.getAmount());
@@ -1039,11 +1041,11 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
      * of over due installment should be collected before collecting principal )
      */
     @Override
-    public LoanScheduleModel rescheduleNextInstallments(final MathContext mc, final ApplicationCurrency applicationCurrency,
-            final LoanApplicationTerms loanApplicationTerms, final Set<LoanCharge> loanCharges, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays, final List<LoanTransaction> transactions,
+    public LoanScheduleModel rescheduleNextInstallments(final MathContext mc, final LoanApplicationTerms loanApplicationTerms,
+            final Set<LoanCharge> loanCharges, final HolidayDetailDTO holidayDetailDTO, final List<LoanTransaction> transactions,
             final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor,
-            final List<LoanRepaymentScheduleInstallment> previousSchedule, LocalDate recalculateFrom) {
+            final List<LoanRepaymentScheduleInstallment> previousSchedule, LocalDate recalculateFrom, final LocalDate lastTransactionDate,
+            final int penaltyWaitPeriod) {
 
         LoanScheduleModel loanScheduleModel = null;
         List<LoanRepaymentScheduleInstallment> installments = previousSchedule;
@@ -1064,8 +1066,7 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
         }
         installments.removeAll(removeInstallments);
         if (previousSchedule == null) {
-            loanScheduleModel = generate(mc, applicationCurrency, loanApplicationTerms, loanCharges, isHolidayEnabled, holidays,
-                    workingDays);
+            loanScheduleModel = generate(mc, loanApplicationTerms, loanCharges, holidayDetailDTO);
             installments = retrieveRepaymentSchedule(loanScheduleModel);
         }
 
@@ -1082,10 +1083,10 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
             int installmentNumber = findLastProcessedInstallmentNumber(installments, processTransactionsForInterestCompound);
             List<LoanTransaction> processTransactions = processTransactions(transactions, processTransactionsForInterestCompound);
             if (processTransactions.size() > 0) {
-                loanScheduleModel = createInterestOnlyRecalculationDetails(mc, applicationCurrency, loanApplicationTerms, loanCharges,
-                        isHolidayEnabled, holidays, workingDays, loanRepaymentScheduleTransactionProcessor, previousSchedule,
-                        loanScheduleModel, installments, currency, recalculationDetails, retainRecalculationDetails, false,
-                        installmentNumber, processTransactions, preCloseTransaction);
+                loanScheduleModel = createInterestOnlyRecalculationDetails(mc, loanApplicationTerms, loanCharges, holidayDetailDTO,
+                        loanRepaymentScheduleTransactionProcessor, previousSchedule, loanScheduleModel, installments, currency,
+                        recalculationDetails, retainRecalculationDetails, false, installmentNumber, processTransactions,
+                        preCloseTransaction, lastTransactionDate, penaltyWaitPeriod, transactions);
             }
             recalculationDetails.retainAll(retainRecalculationDetails.values());
             processTransactionsForInterestCompound = getNextRecalculateFromDate(transactions, processTransactionsForInterestCompound);
@@ -1097,10 +1098,10 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
             List<LoanTransaction> processTransactions = processTransactions(transactions, recalculateFrom);
             if (loanRepaymentScheduleTransactionProcessor.isInterestFirstRepaymentScheduleTransactionProcessor()
                     && processTransactions.size() > 0) {
-                loanScheduleModel = createInterestOnlyRecalculationDetails(mc, applicationCurrency, loanApplicationTerms, loanCharges,
-                        isHolidayEnabled, holidays, workingDays, loanRepaymentScheduleTransactionProcessor, previousSchedule,
-                        loanScheduleModel, installments, currency, recalculationDetails, retainRecalculationDetails, true,
-                        installmentNumber, processTransactions, preCloseTransaction);
+                loanScheduleModel = createInterestOnlyRecalculationDetails(mc, loanApplicationTerms, loanCharges, holidayDetailDTO,
+                        loanRepaymentScheduleTransactionProcessor, previousSchedule, loanScheduleModel, installments, currency,
+                        recalculationDetails, retainRecalculationDetails, true, installmentNumber, processTransactions,
+                        preCloseTransaction, lastTransactionDate, penaltyWaitPeriod, transactions);
                 if (loanScheduleModel != null) {
                     installments = retrieveRepaymentSchedule(loanScheduleModel);
                 }
@@ -1114,9 +1115,9 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
 
             recalculationDetails.retainAll(retainRecalculationDetails.values());
             recalculationDetails.addAll(earlypayments);
-            loanScheduleModel = recalculateInstallment(mc, applicationCurrency, loanApplicationTerms, loanCharges, isHolidayEnabled,
-                    holidays, workingDays, loanRepaymentScheduleTransactionProcessor, previousSchedule, loanScheduleModel, installments,
-                    processTransactions, installmentNumber, recalculationDetails, preCloseTransaction);
+            loanScheduleModel = recalculateInstallment(mc, loanApplicationTerms, loanCharges, holidayDetailDTO,
+                    loanRepaymentScheduleTransactionProcessor, previousSchedule, loanScheduleModel, installments, processTransactions,
+                    installmentNumber, recalculationDetails, preCloseTransaction, lastTransactionDate, penaltyWaitPeriod, transactions);
             if (loanScheduleModel != null) {
                 installments = retrieveRepaymentSchedule(loanScheduleModel);
             }
@@ -1130,14 +1131,14 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
     /**
      * Method identifies interest only repayment periods
      */
-    private LoanScheduleModel createInterestOnlyRecalculationDetails(final MathContext mc, final ApplicationCurrency applicationCurrency,
-            final LoanApplicationTerms loanApplicationTerms, final Set<LoanCharge> loanCharges, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays,
+    private LoanScheduleModel createInterestOnlyRecalculationDetails(final MathContext mc, final LoanApplicationTerms loanApplicationTerms,
+            final Set<LoanCharge> loanCharges, final HolidayDetailDTO holidayDetailDTO,
             final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor,
             final List<LoanRepaymentScheduleInstallment> previousSchedule, LoanScheduleModel loanScheduleModel,
             List<LoanRepaymentScheduleInstallment> installments, MonetaryCurrency currency,
             final List<RecalculationDetail> recalculationDetails, final Map<LocalDate, RecalculationDetail> retainRecalculationDetails,
-            boolean recalculate, int installmentNumber, List<LoanTransaction> processTransactions, LoanTransaction preCloseTransaction) {
+            boolean recalculate, int installmentNumber, List<LoanTransaction> processTransactions, LoanTransaction preCloseTransaction,
+            final LocalDate lastTransactionDate, final int penaltyWaitPeriod, final List<LoanTransaction> actualTransactions) {
         LoanTransaction loanTransaction = processTransactions.remove(processTransactions.size() - 1);
         if (!(loanTransaction.isRepayment() || loanTransaction.isInterestWaiver())) {
             processTransactions.add(loanTransaction);
@@ -1187,10 +1188,10 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                 recalculationDetails.add(recalculationDetail);
                 if (recalculate) {
                     recalculationDetails.retainAll(retainRecalculationDetails.values());
-                    loanScheduleModel = recalculateInstallment(mc, applicationCurrency, loanApplicationTerms, loanCharges,
-                            isHolidayEnabled, holidays, workingDays, loanRepaymentScheduleTransactionProcessor, previousSchedule,
-                            loanScheduleModel, installments, processTransactions, installmentNumber, recalculationDetails,
-                            preCloseTransaction);
+                    loanScheduleModel = recalculateInstallment(mc, loanApplicationTerms, loanCharges, holidayDetailDTO,
+                            loanRepaymentScheduleTransactionProcessor, previousSchedule, loanScheduleModel, installments,
+                            processTransactions, installmentNumber, recalculationDetails, preCloseTransaction, lastTransactionDate,
+                            penaltyWaitPeriod, actualTransactions);
 
                 }
             }
@@ -1221,19 +1222,20 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
      * @param preCloseTransaction
      *            TODO
      */
-    private LoanScheduleModel recalculateInstallment(final MathContext mc, final ApplicationCurrency applicationCurrency,
-            final LoanApplicationTerms loanApplicationTerms, final Set<LoanCharge> loanCharges, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays,
+    private LoanScheduleModel recalculateInstallment(final MathContext mc, final LoanApplicationTerms loanApplicationTerms,
+            final Set<LoanCharge> loanCharges, final HolidayDetailDTO holidayDetailDTO,
             final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor,
             final List<LoanRepaymentScheduleInstallment> previousSchedule, LoanScheduleModel loanScheduleModel,
             List<LoanRepaymentScheduleInstallment> installments, List<LoanTransaction> processTransactions, final int skipRecalculation,
-            final List<RecalculationDetail> recalculationDetails, LoanTransaction preCloseTransaction) {
+            final List<RecalculationDetail> recalculationDetails, LoanTransaction preCloseTransaction, final LocalDate lastTransactionDate,
+            final int penaltyWaitPeriod, final List<LoanTransaction> actualTransactions) {
         int processInstallmentsFrom = 0;
         Integer lastInstallmentNumber = previousSchedule.size();
         while (processInstallmentsFrom < lastInstallmentNumber) {
-            RecalculatedSchedule recalculatedSchedule = recalculateInterest(mc, applicationCurrency, loanApplicationTerms, loanCharges,
-                    isHolidayEnabled, holidays, workingDays, processTransactions, loanRepaymentScheduleTransactionProcessor,
-                    processInstallmentsFrom, installments, recalculationDetails, skipRecalculation, preCloseTransaction);
+            RecalculatedSchedule recalculatedSchedule = recalculateInterest(mc, loanApplicationTerms, loanCharges, holidayDetailDTO,
+                    processTransactions, loanRepaymentScheduleTransactionProcessor, processInstallmentsFrom, installments,
+                    recalculationDetails, skipRecalculation, preCloseTransaction, lastTransactionDate, penaltyWaitPeriod,
+                    actualTransactions);
             processInstallmentsFrom = recalculatedSchedule.getInstallmentNumber();
             if (recalculatedSchedule.getLoanScheduleModel() != null) {
                 loanScheduleModel = recalculatedSchedule.getLoanScheduleModel();
@@ -1250,12 +1252,12 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
      * @param preCloseTransaction
      *            TODO
      */
-    private RecalculatedSchedule recalculateInterest(final MathContext mc, final ApplicationCurrency applicationCurrency,
-            final LoanApplicationTerms loanApplicationTerms, final Set<LoanCharge> loanCharges, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays, final List<LoanTransaction> transactions,
+    private RecalculatedSchedule recalculateInterest(final MathContext mc, final LoanApplicationTerms loanApplicationTerms,
+            final Set<LoanCharge> loanCharges, final HolidayDetailDTO holidayDetailDTO, final List<LoanTransaction> transactions,
             final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor, final int installmentNumber,
             final List<LoanRepaymentScheduleInstallment> installments, final List<RecalculationDetail> recalculationDetails,
-            final int skipRecalculation, final LoanTransaction preCloseTransaction) {
+            final int skipRecalculation, final LoanTransaction preCloseTransaction, final LocalDate lastTransactionDate,
+            final int penaltyWaitPeriod, final List<LoanTransaction> actualTransactions) {
         boolean processRecalculate = false;
         int processedInstallmentNumber = installmentNumber;
 
@@ -1282,15 +1284,13 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
             List<LoanTransaction> transactionsForInstallment = new ArrayList<>();
             Map<LocalDate, LocalDate> recalculationDates = new HashMap<>();
             LocalDate transactionsDate = getNextRestScheduleDate(installment.getDueDate().minusDays(1), loanApplicationTerms,
-                    isHolidayEnabled, holidays, workingDays);
+                    holidayDetailDTO);
             for (LoanTransaction loanTransaction : transactions) {
                 LocalDate loantransactionDate = loanTransaction.getTransactionDate();
                 if (!loantransactionDate.isAfter(transactionsDate)) {
                     transactionsForInstallment.add(loanTransaction);
-                    recalculationDates.put(
-                            loantransactionDate,
-                            getNextRestScheduleDate(loantransactionDate.minusDays(1), loanApplicationTerms, isHolidayEnabled, holidays,
-                                    workingDays));
+                    recalculationDates.put(loantransactionDate,
+                            getNextRestScheduleDate(loantransactionDate.minusDays(1), loanApplicationTerms, holidayDetailDTO));
                 }
             }
 
@@ -1321,15 +1321,13 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
                 // this block is to identify late payment based on the rest
                 // calculation date
                 while (totalOutstanding.isGreaterThanZero() && startDate.isBefore(LocalDate.now())) {
-                    LocalDate recalculateFrom = getNextRestScheduleDate(startDate.minusDays(1), loanApplicationTerms, isHolidayEnabled,
-                            holidays, workingDays);
-                    LocalDate recalcualteTill = getNextRestScheduleDate(recalculateFrom, loanApplicationTerms, isHolidayEnabled, holidays,
-                            workingDays);
+                    LocalDate recalculateFrom = getNextRestScheduleDate(startDate.minusDays(1), loanApplicationTerms, holidayDetailDTO);
+                    LocalDate recalcualteTill = getNextRestScheduleDate(recalculateFrom, loanApplicationTerms, holidayDetailDTO);
                     if (reduceStartDate) {
                         startDate = startDate.minusDays(1);
                     }
                     applyRest(transactions, startDate, recalculateFrom, installment, loanRepaymentScheduleTransactionProcessor, currency,
-                            loanApplicationTerms, isHolidayEnabled, holidays, workingDays, installments, preCloseTransaction);
+                            loanApplicationTerms, holidayDetailDTO, installments, preCloseTransaction);
                     totalOutstanding = installment.getTotalOutstanding(currency);
                     if (totalOutstanding.isGreaterThanZero()) {
                         Money latepaymentoutstanding = installment.getPrincipalOutstanding(currency);
@@ -1373,12 +1371,130 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
             if (preCloseTransaction != null) {
                 prepayDate = preCloseTransaction.getTransactionDate();
             }
-            model = generate(mc, applicationCurrency, loanApplicationTerms, loanCharges, isHolidayEnabled, holidays, workingDays,
-                    recalculationDetails, prepayDate);
+            model = generate(mc, loanApplicationTerms, loanCharges, holidayDetailDTO, recalculationDetails, prepayDate, lastTransactionDate);
+            model = updateOverDueCharges(loanCharges, model, lastTransactionDate, currency, loanRepaymentScheduleTransactionProcessor,
+                    loanApplicationTerms.getExpectedDisbursementDate(), penaltyWaitPeriod, actualTransactions);
         }
         return new RecalculatedSchedule(model, processedInstallmentNumber);
     }
 
+    private LoanScheduleModel updateOverDueCharges(final Set<LoanCharge> loanCharges, final LoanScheduleModel model,
+            LocalDate lastTransactionDate, final MonetaryCurrency currency,
+            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor, LocalDate disbursementDate,
+            final int penaltyWaitPeriod, final List<LoanTransaction> transactions) {
+        Set<LoanCharge> chargesForUpdate = new HashSet<>();
+        LoanScheduleModel loanScheduleModel = model;
+        for (LoanCharge loanCharge : loanCharges) {
+            if (loanCharge.isActive() && loanCharge.isOverdueInstallmentCharge() && loanCharge.isPenaltyCharge()
+                    && loanCharge.getChargeCalculation().isPercentageBased() && !lastTransactionDate.isAfter(loanCharge.getDueLocalDate())) {
+                chargesForUpdate.add(loanCharge);
+            }
+        }
+
+        if (!chargesForUpdate.isEmpty()) {
+            LocalDate graceDate = LocalDate.now().minusDays(penaltyWaitPeriod);
+            Collection<LoanScheduleModelPeriod> periods = model.getPeriods();
+            BigDecimal totalPenaltyChargesCharged = model.getTotalPenaltyChargesCharged();
+            for (LoanScheduleModelPeriod loanScheduleModelPeriod : periods) {
+                if (loanScheduleModelPeriod.isRepaymentPeriod()) {
+                    Money overdueChargeForInstallment = overDuePenaltyChargesDueWithin(loanScheduleModelPeriod.periodFromDate(),
+                            loanScheduleModelPeriod.periodDueDate(), chargesForUpdate, currency);
+                    totalPenaltyChargesCharged = totalPenaltyChargesCharged.subtract(overdueChargeForInstallment.getAmount());
+                    BigDecimal feeChargesForInstallment = BigDecimal.ZERO;
+                    loanScheduleModelPeriod.addLoanCharges(feeChargesForInstallment, overdueChargeForInstallment.negated().getAmount());
+                }
+            }
+
+            List<LoanRepaymentScheduleInstallment> installments = retrieveRepaymentSchedule(model);
+            List<LoanTransaction> loanTransactions = copyTransactions(transactions);
+            loanRepaymentScheduleTransactionProcessor.populateDerivedFeildsWithoutReprocess(disbursementDate, loanTransactions, currency,
+                    installments, loanCharges, lastTransactionDate);
+            Map<Integer, LoanRepaymentScheduleInstallment> installmentMap = getRepaymentsAsMap(installments);
+
+            for (LoanScheduleModelPeriod loanScheduleModelPeriod : periods) {
+                if (loanScheduleModelPeriod.isRepaymentPeriod()) {
+                    LoanRepaymentScheduleInstallment installment = installmentMap.get(loanScheduleModelPeriod.periodNumber());
+                    Money overdueChargeForInstallment = Money.zero(currency);
+                    overdueChargeForInstallment = cumulativeOverDuePenaltyChargesDueWithin(loanScheduleModelPeriod.periodFromDate(),
+                            loanScheduleModelPeriod.periodDueDate(), loanCharges, currency, installment.getPrincipalOutstanding(currency)
+                                    .getAmount(), installment.getInterestOutstanding(currency).getAmount(), graceDate.isAfter(installment
+                                    .getDueDate()));
+                    totalPenaltyChargesCharged = totalPenaltyChargesCharged.add(overdueChargeForInstallment.getAmount());
+                    BigDecimal feeChargesForInstallment = BigDecimal.ZERO;
+                    loanScheduleModelPeriod.addLoanCharges(feeChargesForInstallment, overdueChargeForInstallment.getAmount());
+                }
+            }
+            loanScheduleModel = LoanScheduleModel.withOverdueChargeUpdation(periods, model, totalPenaltyChargesCharged);
+        }
+        return loanScheduleModel;
+    }
+
+    private Map<Integer, LoanRepaymentScheduleInstallment> getRepaymentsAsMap(List<LoanRepaymentScheduleInstallment> installments) {
+        Map<Integer, LoanRepaymentScheduleInstallment> installmentMap = new HashMap<>();
+        for (LoanRepaymentScheduleInstallment installment : installments) {
+            installmentMap.put(installment.getInstallmentNumber(), installment);
+        }
+        return installmentMap;
+    }
+
+    private List<LoanTransaction> copyTransactions(List<LoanTransaction> transactions) {
+        List<LoanTransaction> loanTransactions = new ArrayList<>();
+        for (LoanTransaction loanTransaction : transactions) {
+            if (loanTransaction.isNotReversed() && !loanTransaction.isAccrual()) {
+                LoanTransaction transaction = LoanTransaction.copyTransactionProperties(loanTransaction);
+                loanTransactions.add(transaction);
+            }
+        }
+        return loanTransactions;
+    }
+
+    private Money cumulativeOverDuePenaltyChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd,
+            final Set<LoanCharge> loanCharges, final MonetaryCurrency monetaryCurrency, final BigDecimal principalOverdue,
+            final BigDecimal interestOverdue, final boolean recalculate) {
+
+        Money cumulative = Money.zero(monetaryCurrency);
+
+        for (final LoanCharge loanCharge : loanCharges) {
+            if (loanCharge.isPenaltyCharge()) {
+                if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
+                    BigDecimal amount = BigDecimal.ZERO;
+                    if (recalculate) {
+                        switch (loanCharge.getChargeCalculation()) {
+                            case PERCENT_OF_AMOUNT:
+                                amount = amount.add(principalOverdue);
+                            break;
+                            case PERCENT_OF_AMOUNT_AND_INTEREST:
+                                amount = amount.add(principalOverdue).add(interestOverdue);
+                            break;
+                            case PERCENT_OF_INTEREST:
+                                amount = amount.add(interestOverdue);
+                            break;
+                            default:
+                            break;
+                        }
+                        BigDecimal loanChargeAmt = amount.multiply(loanCharge.getPercentage()).divide(BigDecimal.valueOf(100));
+                        cumulative = cumulative.plus(loanChargeAmt);
+                    }
+                }
+            }
+        }
+
+        return cumulative;
+    }
+
+    private Money overDuePenaltyChargesDueWithin(final LocalDate periodStart, final LocalDate periodEnd, final Set<LoanCharge> loanCharges,
+            final MonetaryCurrency monetaryCurrency) {
+        Money cumulative = Money.zero(monetaryCurrency);
+        for (final LoanCharge loanCharge : loanCharges) {
+            if (loanCharge.isPenaltyCharge()) {
+                if (loanCharge.isDueForCollectionFromAndUpToAndIncluding(periodStart, periodEnd)) {
+                    cumulative = cumulative.plus(loanCharge.chargeAmount());
+                }
+            }
+        }
+        return cumulative;
+    }
+
     private List<LoanRepaymentScheduleInstallment> retrieveRepaymentSchedule(LoanScheduleModel model) {
         final List<LoanRepaymentScheduleInstallment> installments = new ArrayList<>();
         for (final LoanScheduleModelPeriod scheduledLoanInstallment : model.getPeriods()) {
@@ -1404,18 +1520,16 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
     private void applyRest(List<LoanTransaction> loanTransactions, LocalDate from, LocalDate to,
             LoanRepaymentScheduleInstallment installment,
             final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor, MonetaryCurrency currency,
-            final LoanApplicationTerms loanApplicationTerms, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays, final List<LoanRepaymentScheduleInstallment> installments, LoanTransaction preCloseTransaction) {
+            final LoanApplicationTerms loanApplicationTerms, final HolidayDetailDTO holidayDetailDTO,
+            final List<LoanRepaymentScheduleInstallment> installments, LoanTransaction preCloseTransaction) {
         List<LoanTransaction> transactions = new ArrayList<>();
         Map<LocalDate, LocalDate> recalculationDates = new HashMap<>();
         for (LoanTransaction transaction : loanTransactions) {
             LocalDate loantransactionDate = transaction.getTransactionDate();
             if (loantransactionDate.isAfter(from) && !transaction.getTransactionDate().isAfter(to)) {
                 transactions.add(transaction);
-                recalculationDates.put(
-                        loantransactionDate,
-                        getNextRestScheduleDate(loantransactionDate.minusDays(1), loanApplicationTerms, isHolidayEnabled, holidays,
-                                workingDays));
+                recalculationDates.put(loantransactionDate,
+                        getNextRestScheduleDate(loantransactionDate.minusDays(1), loanApplicationTerms, holidayDetailDTO));
             }
         }
 
@@ -1424,11 +1538,11 @@ public abstract class AbstractLoanScheduleGenerator implements LoanScheduleGener
     }
 
     private LocalDate getNextRestScheduleDate(LocalDate startDate, LoanApplicationTerms loanApplicationTerms,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays) {
+            final HolidayDetailDTO holidayDetailDTO) {
         LocalDate nextScheduleDate = null;
         if (loanApplicationTerms.getRecalculationFrequencyType().isSameAsRepayment()) {
             nextScheduleDate = this.scheduledDateGenerator.generateNextScheduleDateStartingFromDisburseDate(startDate,
-                    loanApplicationTerms, isHolidayEnabled, holidays, workingDays);
+                    loanApplicationTerms, holidayDetailDTO);
         } else {
             CalendarInstance calendarInstance = loanApplicationTerms.getRestCalendarInstance();
             nextScheduleDate = CalendarUtils.getNextScheduleDate(calendarInstance.getCalendar(), startDate);

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/domain/DefaultScheduledDateGenerator.java

@@ -5,24 +5,20 @@
  */
 package org.mifosplatform.portfolio.loanaccount.loanschedule.domain;
 
-import java.util.List;
-
 import org.joda.time.Days;
 import org.joda.time.LocalDate;
 import org.joda.time.Months;
 import org.joda.time.Weeks;
 import org.joda.time.Years;
-import org.mifosplatform.organisation.holiday.domain.Holiday;
 import org.mifosplatform.organisation.holiday.service.HolidayUtil;
-import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
 import org.mifosplatform.organisation.workingdays.service.WorkingDaysUtil;
 import org.mifosplatform.portfolio.common.domain.PeriodFrequencyType;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 
 public class DefaultScheduledDateGenerator implements ScheduledDateGenerator {
 
     @Override
-    public LocalDate getLastRepaymentDate(final LoanApplicationTerms loanApplicationTerms, final boolean isHolidayEnabled,
-            final List<Holiday> holidays, final WorkingDays workingDays) {
+    public LocalDate getLastRepaymentDate(final LoanApplicationTerms loanApplicationTerms, final HolidayDetailDTO holidayDetailDTO) {
 
         final int numberOfRepayments = loanApplicationTerms.getNumberOfRepayments();
 
@@ -32,7 +28,7 @@ public class DefaultScheduledDateGenerator implements ScheduledDateGenerator {
             lastRepaymentDate = generateNextRepaymentDate(lastRepaymentDate, loanApplicationTerms, isFirstRepayment);
             isFirstRepayment = false;
         }
-        lastRepaymentDate = adjustRepaymentDate(lastRepaymentDate, loanApplicationTerms, isHolidayEnabled, holidays, workingDays);
+        lastRepaymentDate = adjustRepaymentDate(lastRepaymentDate, loanApplicationTerms, holidayDetailDTO);
         return lastRepaymentDate;
     }
 
@@ -52,22 +48,23 @@ public class DefaultScheduledDateGenerator implements ScheduledDateGenerator {
 
     @Override
     public LocalDate adjustRepaymentDate(final LocalDate dueRepaymentPeriodDate, final LoanApplicationTerms loanApplicationTerms,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays) {
+            final HolidayDetailDTO holidayDetailDTO) {
 
         LocalDate adjustedDate = dueRepaymentPeriodDate;
         /**
          * Fix for https://mifosforge.jira.com/browse/MIFOSX-1357
          */
         // recursively check for the next working day.
-        while (WorkingDaysUtil.isNonWorkingDay(workingDays, adjustedDate)) {
+        while (WorkingDaysUtil.isNonWorkingDay(holidayDetailDTO.getWorkingDays(), adjustedDate)) {
 
             final LocalDate nextDueRepaymentPeriodDate = getRepaymentPeriodDate(loanApplicationTerms.getRepaymentPeriodFrequencyType(),
                     loanApplicationTerms.getRepaymentEvery(), adjustedDate);
-            adjustedDate = WorkingDaysUtil.getOffSetDateIfNonWorkingDay(adjustedDate, nextDueRepaymentPeriodDate, workingDays);
+            adjustedDate = WorkingDaysUtil.getOffSetDateIfNonWorkingDay(adjustedDate, nextDueRepaymentPeriodDate,
+                    holidayDetailDTO.getWorkingDays());
         }
 
-        if (isHolidayEnabled) {
-            adjustedDate = HolidayUtil.getRepaymentRescheduleDateToIfHoliday(adjustedDate, holidays);
+        if (holidayDetailDTO.isHolidayEnabled()) {
+            adjustedDate = HolidayUtil.getRepaymentRescheduleDateToIfHoliday(adjustedDate, holidayDetailDTO.getHolidays());
         }
         return adjustedDate;
     }
@@ -161,7 +158,7 @@ public class DefaultScheduledDateGenerator implements ScheduledDateGenerator {
 
     @Override
     public LocalDate generateNextScheduleDateStartingFromDisburseDate(LocalDate lastRepaymentDate,
-            LoanApplicationTerms loanApplicationTerms, boolean isHolidayEnabled, List<Holiday> holidays, WorkingDays workingDays) {
+            LoanApplicationTerms loanApplicationTerms, final HolidayDetailDTO holidayDetailDTO) {
 
         LocalDate generatedDate = loanApplicationTerms.getExpectedDisbursementDate();
         boolean isFirstRepayment = true;
@@ -169,7 +166,7 @@ public class DefaultScheduledDateGenerator implements ScheduledDateGenerator {
             generatedDate = generateNextRepaymentDate(generatedDate, loanApplicationTerms, isFirstRepayment);
             isFirstRepayment = false;
         }
-        generatedDate = adjustRepaymentDate(generatedDate, loanApplicationTerms, isHolidayEnabled, holidays, workingDays);
+        generatedDate = adjustRepaymentDate(generatedDate, loanApplicationTerms, holidayDetailDTO);
         return generatedDate;
     }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java

@@ -110,7 +110,7 @@ public final class LoanApplicationTerms {
     private BigDecimal maxOutstandingBalance;
 
     private List<LoanTermVariationsData> emiAmountVariations;
-    
+
     private Money totalInterestDue;
 
     private final DaysInMonthType daysInMonthType;
@@ -505,7 +505,7 @@ public final class LoanApplicationTerms {
         final int periodsElapsed = 0;
         final double paymentPerRepaymentPeriod = paymentPerPeriod(periodicInterestRate, this.principal, periodsElapsed);
         double totalRepayment = paymentPerRepaymentPeriod * this.numberOfRepayments;
-        
+
         return Money.of(this.principal.getCurrency(), BigDecimal.valueOf(totalRepayment));
     }
 
@@ -521,16 +521,16 @@ public final class LoanApplicationTerms {
             case FLAT:
                 final BigDecimal interestRateForLoanTerm = calculateFlatInterestRateForLoanTerm(calculator, mc);
                 totalInterestDue = this.principal.multiplyRetainScale(interestRateForLoanTerm, mc.getRoundingMode());
-                
+
             break;
             case DECLINING_BALANCE:
             break;
             case INVALID:
             break;
         }
-        
-        if(this.totalInterestDue != null) {
-        	totalInterestDue = this.totalInterestDue;
+
+        if (this.totalInterestDue != null) {
+            totalInterestDue = this.totalInterestDue;
         }
 
         return totalInterestDue;
@@ -544,7 +544,7 @@ public final class LoanApplicationTerms {
         final BigDecimal loanTermPeriodsInYearBigDecimal = BigDecimal.valueOf(loanTermPeriodsInOneYear);
 
         final BigDecimal loanTermFrequencyBigDecimal = calculatePeriodsInLoanTerm();
-        
+
         return this.annualNominalInterestRate.divide(loanTermPeriodsInYearBigDecimal, mc).divide(divisor, mc)
                 .multiply(loanTermFrequencyBigDecimal);
     }
@@ -1078,59 +1078,62 @@ public final class LoanApplicationTerms {
         return numberOfPeriods;
     }
 
-    
     public RecalculationFrequencyType getRecalculationFrequencyType() {
         return this.recalculationFrequencyType;
     }
-    
+
     public void updateNumberOfRepayments(final Integer numberOfRepayments) {
-    	this.numberOfRepayments = numberOfRepayments;
+        this.numberOfRepayments = numberOfRepayments;
     }
-    
+
     public void updatePrincipalGrace(final Integer principalGrace) {
-    	this.principalGrace = principalGrace;
+        this.principalGrace = principalGrace;
     }
-    
+
     public void updateInterestPaymentGrace(final Integer interestPaymentGrace) {
-    	this.interestPaymentGrace = interestPaymentGrace;
+        this.interestPaymentGrace = interestPaymentGrace;
     }
-    
+
     public void updateInterestRatePerPeriod(BigDecimal interestRatePerPeriod) {
-    	if(interestRatePerPeriod != null) {
-    		this.interestRatePerPeriod = interestRatePerPeriod;
-    	}
+        if (interestRatePerPeriod != null) {
+            this.interestRatePerPeriod = interestRatePerPeriod;
+        }
     }
-    
+
     public void updateAnnualNominalInterestRate(BigDecimal annualNominalInterestRate) {
-    	if(annualNominalInterestRate != null) {
-    		this.annualNominalInterestRate = annualNominalInterestRate;
-    	}
+        if (annualNominalInterestRate != null) {
+            this.annualNominalInterestRate = annualNominalInterestRate;
+        }
     }
-    
+
     public BigDecimal getInterestRatePerPeriod() {
-    	return this.interestRatePerPeriod;
+        return this.interestRatePerPeriod;
     }
-    
+
     public BigDecimal getAnnualNominalInterestRate() {
-    	return this.annualNominalInterestRate;
+        return this.annualNominalInterestRate;
     }
-    
+
     public void updateInterestChargedFromDate(LocalDate interestChargedFromDate) {
-    	if(interestChargedFromDate != null) {
-    		this.interestChargedFromDate = interestChargedFromDate;
-    	}
+        if (interestChargedFromDate != null) {
+            this.interestChargedFromDate = interestChargedFromDate;
+        }
     }
-    
+
     public void updateLoanTermFrequency(Integer loanTermFrequency) {
-    	if(loanTermFrequency != null) {
-    		this.loanTermFrequency = loanTermFrequency;
-    	}
+        if (loanTermFrequency != null) {
+            this.loanTermFrequency = loanTermFrequency;
+        }
     }
-    
+
     public void updateTotalInterestDue(Money totalInterestDue) {
-    	
-    	if(totalInterestDue != null) {
-    		this.totalInterestDue = totalInterestDue;
-    	}
+
+        if (totalInterestDue != null) {
+            this.totalInterestDue = totalInterestDue;
+        }
+    }
+
+    public ApplicationCurrency getApplicationCurrency() {
+        return this.currency;
     }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/domain/LoanScheduleGenerator.java

@@ -10,10 +10,9 @@ import java.util.List;
 import java.util.Set;
 
 import org.joda.time.LocalDate;
-import org.mifosplatform.organisation.holiday.domain.Holiday;
 import org.mifosplatform.organisation.monetary.domain.ApplicationCurrency;
 import org.mifosplatform.organisation.monetary.domain.MonetaryCurrency;
-import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanCharge;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanTransaction;
@@ -23,19 +22,19 @@ import org.mifosplatform.portfolio.loanaccount.rescheduleloan.domain.LoanResched
 
 public interface LoanScheduleGenerator {
 
-    LoanScheduleModel generate(MathContext mc, ApplicationCurrency applicationCurrency, LoanApplicationTerms loanApplicationTerms,
-            Set<LoanCharge> loanCharges, boolean isHolidayEnabled, List<Holiday> holidays, final WorkingDays workingDays);
+    LoanScheduleModel generate(MathContext mc, LoanApplicationTerms loanApplicationTerms, Set<LoanCharge> loanCharges,
+            final HolidayDetailDTO holidayDetailDTO);
 
-    LoanScheduleModel rescheduleNextInstallments(MathContext mc, ApplicationCurrency applicationCurrency,
-            LoanApplicationTerms loanApplicationTerms, Set<LoanCharge> loanCharges, boolean isHolidayEnabled, List<Holiday> holidays,
-            WorkingDays workingDays, List<LoanTransaction> transactions,
+    LoanScheduleModel rescheduleNextInstallments(MathContext mc, LoanApplicationTerms loanApplicationTerms, Set<LoanCharge> loanCharges,
+            final HolidayDetailDTO holidayDetailDTO, List<LoanTransaction> transactions,
             LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor,
-            List<LoanRepaymentScheduleInstallment> previousSchedule, LocalDate recalculateFrom);
+            List<LoanRepaymentScheduleInstallment> previousSchedule, LocalDate recalculateFrom, LocalDate lastTransactionDate,
+            int penaltyWaitPeriod);
 
-    LoanRepaymentScheduleInstallment calculatePrepaymentAmount(List<LoanRepaymentScheduleInstallment> installments, MonetaryCurrency currency,
-            LocalDate onDate, LocalDate interestChargedFromLocalDate, LoanApplicationTerms loanApplicationTerms, MathContext mc, Set<LoanCharge> charges);
-    
-    LoanRescheduleModel reschedule(final MathContext mathContext, final LoanRescheduleRequest loanRescheduleRequest, 
-			final ApplicationCurrency applicationCurrency, final boolean isHolidayEnabled, 
-			final List<Holiday> holidays, final WorkingDays workingDays);
+    LoanRepaymentScheduleInstallment calculatePrepaymentAmount(List<LoanRepaymentScheduleInstallment> installments,
+            MonetaryCurrency currency, LocalDate onDate, LocalDate interestChargedFromLocalDate, LoanApplicationTerms loanApplicationTerms,
+            MathContext mc, Set<LoanCharge> charges);
+
+    LoanRescheduleModel reschedule(final MathContext mathContext, final LoanRescheduleRequest loanRescheduleRequest,
+            final ApplicationCurrency applicationCurrency, final HolidayDetailDTO holidayDetailDTO);
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/domain/LoanScheduleModel.java

@@ -42,6 +42,15 @@ public final class LoanScheduleModel {
                 totalOutstanding);
     }
 
+    public static LoanScheduleModel withOverdueChargeUpdation(final Collection<LoanScheduleModelPeriod> periods,
+            final LoanScheduleModel loanScheduleModel, final BigDecimal totalPenaltyChargesCharged) {
+
+        return new LoanScheduleModel(periods, loanScheduleModel.applicationCurrency, loanScheduleModel.loanTermInDays,
+                loanScheduleModel.totalPrincipalDisbursed, loanScheduleModel.totalPrincipalExpected, loanScheduleModel.totalPrincipalPaid,
+                loanScheduleModel.totalInterestCharged, loanScheduleModel.totalFeeChargesCharged, totalPenaltyChargesCharged,
+                loanScheduleModel.totalRepaymentExpected, loanScheduleModel.totalOutstanding);
+    }
+
     private LoanScheduleModel(final Collection<LoanScheduleModelPeriod> periods, final ApplicationCurrency applicationCurrency,
             final int loanTermInDays, final Money principalDisbursed, final BigDecimal totalPrincipalExpected,
             final BigDecimal totalPrincipalPaid, final BigDecimal totalInterestCharged, final BigDecimal totalFeeChargesCharged,
@@ -85,4 +94,9 @@ public final class LoanScheduleModel {
     public Collection<LoanScheduleModelPeriod> getPeriods() {
         return this.periods;
     }
+
+    
+    public BigDecimal getTotalPenaltyChargesCharged() {
+        return this.totalPenaltyChargesCharged;
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/domain/ScheduledDateGenerator.java

@@ -5,30 +5,25 @@
  */
 package org.mifosplatform.portfolio.loanaccount.loanschedule.domain;
 
-import java.util.List;
-
 import org.joda.time.LocalDate;
-import org.mifosplatform.organisation.holiday.domain.Holiday;
-import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
 import org.mifosplatform.portfolio.common.domain.PeriodFrequencyType;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 
 public interface ScheduledDateGenerator {
 
-    LocalDate getLastRepaymentDate(LoanApplicationTerms loanApplicationTerms, boolean isHolidayEnabled, List<Holiday> holidays,
-            final WorkingDays workingDays);
+    LocalDate getLastRepaymentDate(LoanApplicationTerms loanApplicationTerms, final HolidayDetailDTO holidayDetailDTO);
 
     LocalDate idealDisbursementDateBasedOnFirstRepaymentDate(PeriodFrequencyType repaymentPeriodFrequencyType, int repaidEvery,
             final LocalDate firstRepaymentDate);
 
     LocalDate generateNextRepaymentDate(LocalDate lastRepaymentDate, LoanApplicationTerms loanApplicationTerms, boolean isFirstRepayment);
 
-    LocalDate adjustRepaymentDate(LocalDate dueRepaymentPeriodDate, LoanApplicationTerms loanApplicationTerms, boolean isHolidayEnabled,
-            List<Holiday> holidays, WorkingDays workingDays);
+    LocalDate adjustRepaymentDate(LocalDate dueRepaymentPeriodDate, LoanApplicationTerms loanApplicationTerms, final HolidayDetailDTO holidayDetailDTO);
 
     LocalDate getRepaymentPeriodDate(PeriodFrequencyType frequency, int repaidEvery, LocalDate startDate);
 
     Boolean isDateFallsInSchedule(PeriodFrequencyType frequency, int repaidEvery, LocalDate startDate, LocalDate date);
 
     LocalDate generateNextScheduleDateStartingFromDisburseDate(LocalDate lastRepaymentDate, LoanApplicationTerms loanApplicationTerms,
-            boolean isHolidayEnabled, List<Holiday> holidays, final WorkingDays workingDays);
+            final HolidayDetailDTO holidayDetailDTO);
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/service/LoanScheduleAssembler.java

@@ -43,6 +43,7 @@ import org.mifosplatform.portfolio.group.domain.Group;
 import org.mifosplatform.portfolio.group.domain.GroupRepositoryWrapper;
 import org.mifosplatform.portfolio.loanaccount.api.LoanApiConstants;
 import org.mifosplatform.portfolio.loanaccount.data.DisbursementData;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.data.LoanTermVariationsData;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanCharge;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
@@ -358,30 +359,34 @@ public class LoanScheduleAssembler {
         final RoundingMode roundingMode = RoundingMode.HALF_EVEN;
         final MathContext mc = new MathContext(8, roundingMode);
 
-        final MonetaryCurrency currency = loanApplicationTerms.getCurrency();
-        final ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
-        return loanScheduleGenerator.generate(mc, applicationCurrency, loanApplicationTerms, loanCharges, isHolidayEnabled, holidays,
-                workingDays);
+        HolidayDetailDTO detailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+
+        return loanScheduleGenerator.generate(mc, loanApplicationTerms, loanCharges, detailDTO);
     }
 
     public LoanScheduleModel assembleForInterestRecalculation(final LoanApplicationTerms loanApplicationTerms, final Long officeId,
             List<LoanTransaction> transactions, final Set<LoanCharge> loanCharges,
             final List<LoanRepaymentScheduleInstallment> previousSchedule,
-            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor, LocalDate recalculateFrom) {
+            final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor, LocalDate recalculateFrom,
+            LocalDate recalculateDueDateChargesFrom) {
         final RoundingMode roundingMode = RoundingMode.HALF_EVEN;
         final MathContext mc = new MathContext(8, roundingMode);
         final boolean isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
-        final ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository
-                .findOneWithNotFoundDetection(loanApplicationTerms.getCurrency());
 
         final List<Holiday> holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(officeId, loanApplicationTerms
                 .getExpectedDisbursementDate().toDate(), HolidayStatusType.ACTIVE.getValue());
         final WorkingDays workingDays = this.workingDaysRepository.findOne();
 
         final LoanScheduleGenerator loanScheduleGenerator = this.loanScheduleFactory.create(loanApplicationTerms.getInterestMethod());
-        return loanScheduleGenerator.rescheduleNextInstallments(mc, applicationCurrency, loanApplicationTerms, loanCharges,
-                isHolidayEnabled, holidays, workingDays, transactions, loanRepaymentScheduleTransactionProcessor, previousSchedule,
-                recalculateFrom);
+        HolidayDetailDTO detailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        final Long waitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
+        int penaltyWaitPeriod = 0;
+        if (waitPeriod != null) {
+            penaltyWaitPeriod = waitPeriod.intValue();
+        }
+        return loanScheduleGenerator.rescheduleNextInstallments(mc, loanApplicationTerms, loanCharges, detailDTO, transactions,
+                loanRepaymentScheduleTransactionProcessor, previousSchedule, recalculateFrom, recalculateDueDateChargesFrom,
+                penaltyWaitPeriod);
     }
 
     public LoanRepaymentScheduleInstallment calculatePrepaymentAmount(List<LoanRepaymentScheduleInstallment> installments,
@@ -400,8 +405,8 @@ public class LoanScheduleAssembler {
         CalendarInstance calendarInstance = loanApplicationTerms.getRestCalendarInstance();
         LocalDate nextScheduleDate = CalendarUtils.getNextScheduleDate(calendarInstance.getCalendar(), onDate.minusDays(1));
         if (loanApplicationTerms.getRecalculationFrequencyType().isSameAsRepayment()) {
-            nextScheduleDate = scheduledDateGenerator.adjustRepaymentDate(nextScheduleDate, loanApplicationTerms, isHolidayEnabled,
-                    holidays, workingDays);
+            HolidayDetailDTO detailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+            nextScheduleDate = scheduledDateGenerator.adjustRepaymentDate(nextScheduleDate, loanApplicationTerms, detailDTO);
         }
 
         return loanScheduleGenerator.calculatePrepaymentAmount(installments, currency, nextScheduleDate,

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/loanschedule/service/LoanScheduleCalculationPlatformServiceImpl.java

@@ -176,7 +176,7 @@ public class LoanScheduleCalculationPlatformServiceImpl implements LoanScheduleC
 
         LoanScheduleModel model = this.loanScheduleAssembler.assembleForInterestRecalculation(loanApplicationTerms, loan.getOfficeId(),
                 modifiedTransactions, loan.charges(), loan.fetchRepaymentScheduleInstallments(), loanRepaymentScheduleTransactionProcessor,
-                LocalDate.now());
+                LocalDate.now(), LocalDate.now());
         LoanScheduleData scheduleDate = model.toData();
         Collection<LoanSchedulePeriodData> periodDatas = scheduleDate.getPeriods();
         for (LoanSchedulePeriodData periodData : periodDatas) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/rescheduleloan/domain/DefaultLoanReschedulerFactory.java

@@ -6,40 +6,37 @@
 package org.mifosplatform.portfolio.loanaccount.rescheduleloan.domain;
 
 import java.math.MathContext;
-import java.util.List;
 
-import org.mifosplatform.organisation.holiday.domain.Holiday;
 import org.mifosplatform.organisation.monetary.domain.ApplicationCurrency;
-import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.loanschedule.domain.DecliningBalanceInterestLoanScheduleGenerator;
 import org.mifosplatform.portfolio.loanaccount.loanschedule.domain.FlatInterestLoanScheduleGenerator;
 import org.mifosplatform.portfolio.loanproduct.domain.InterestMethod;
 
 public class DefaultLoanReschedulerFactory implements LoanReschedulerFactory {
 
-	@Override
-	public LoanRescheduleModel reschedule(final MathContext mathContext, 
-			final InterestMethod interestMethod, final LoanRescheduleRequest loanRescheduleRequest, 
-			final ApplicationCurrency applicationCurrency, final boolean isHolidayEnabled, 
-			final List<Holiday> holidays, final WorkingDays workingDays) {
-		
-		LoanRescheduleModel loanRescheduleModel = null;
-		
-		switch (interestMethod) {
-			case DECLINING_BALANCE:
-				loanRescheduleModel = new DecliningBalanceInterestLoanScheduleGenerator().reschedule(
-						mathContext, loanRescheduleRequest, applicationCurrency, isHolidayEnabled, holidays, workingDays);
-				break;
-				
-			case FLAT:
-				loanRescheduleModel = new FlatInterestLoanScheduleGenerator().reschedule(mathContext, 
-						loanRescheduleRequest, applicationCurrency, isHolidayEnabled, holidays, workingDays);
-				break;
-				
-			case INVALID:
-				break;
-		}
-		
-		return loanRescheduleModel;
-	}
+    @Override
+    public LoanRescheduleModel reschedule(final MathContext mathContext, final InterestMethod interestMethod,
+            final LoanRescheduleRequest loanRescheduleRequest, final ApplicationCurrency applicationCurrency,
+            final HolidayDetailDTO holidayDetailDTO) {
+
+        LoanRescheduleModel loanRescheduleModel = null;
+
+        switch (interestMethod) {
+            case DECLINING_BALANCE:
+                loanRescheduleModel = new DecliningBalanceInterestLoanScheduleGenerator().reschedule(mathContext, loanRescheduleRequest,
+                        applicationCurrency, holidayDetailDTO);
+            break;
+
+            case FLAT:
+                loanRescheduleModel = new FlatInterestLoanScheduleGenerator().reschedule(mathContext, loanRescheduleRequest,
+                        applicationCurrency, holidayDetailDTO);
+            break;
+
+            case INVALID:
+            break;
+        }
+
+        return loanRescheduleModel;
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/rescheduleloan/domain/LoanReschedulerFactory.java

@@ -6,16 +6,14 @@
 package org.mifosplatform.portfolio.loanaccount.rescheduleloan.domain;
 
 import java.math.MathContext;
-import java.util.List;
 
-import org.mifosplatform.organisation.holiday.domain.Holiday;
 import org.mifosplatform.organisation.monetary.domain.ApplicationCurrency;
-import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanproduct.domain.InterestMethod;
 
 public interface LoanReschedulerFactory {
-	
-	public LoanRescheduleModel reschedule(final MathContext mathContext, final InterestMethod interestMethod, final LoanRescheduleRequest loanRescheduleRequest, 
-			final ApplicationCurrency applicationCurrency, final boolean isHolidayEnabled, 
-			final List<Holiday> holidays, final WorkingDays workingDays);
+
+    public LoanRescheduleModel reschedule(final MathContext mathContext, final InterestMethod interestMethod,
+            final LoanRescheduleRequest loanRescheduleRequest, final ApplicationCurrency applicationCurrency,
+            final HolidayDetailDTO holidayDetailDTO);
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/rescheduleloan/service/LoanReschedulePreviewPlatformServiceImpl.java

@@ -18,6 +18,7 @@ import org.mifosplatform.organisation.monetary.domain.ApplicationCurrencyReposit
 import org.mifosplatform.organisation.monetary.domain.MonetaryCurrency;
 import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
 import org.mifosplatform.organisation.workingdays.domain.WorkingDaysRepositoryWrapper;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.domain.Loan;
 import org.mifosplatform.portfolio.loanaccount.loanschedule.domain.LoanRepaymentScheduleHistory;
 import org.mifosplatform.portfolio.loanaccount.loanschedule.service.LoanScheduleHistoryWritePlatformService;
@@ -76,8 +77,9 @@ public class LoanReschedulePreviewPlatformServiceImpl implements LoanRescheduleP
         final MathContext mathContext = new MathContext(8, roundingMode);
         List<LoanRepaymentScheduleHistory> oldPeriods = this.loanScheduleHistoryWritePlatformService.createLoanScheduleArchive(
                 loan.getRepaymentScheduleInstallments(), loan, loanRescheduleRequest);
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
         LoanRescheduleModel loanRescheduleModel = new DefaultLoanReschedulerFactory().reschedule(mathContext, interestMethod,
-                loanRescheduleRequest, applicationCurrency, isHolidayEnabled, holidays, workingDays);
+                loanRescheduleRequest, applicationCurrency, holidayDetailDTO);
         LoanRescheduleModel loanRescheduleModelWithOldPeriods = LoanRescheduleModel.createWithSchedulehistory(loanRescheduleModel,
                 oldPeriods);
         return loanRescheduleModelWithOldPeriods;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/rescheduleloan/service/LoanRescheduleRequestWritePlatformServiceImpl.java

@@ -34,6 +34,7 @@ import org.mifosplatform.organisation.monetary.domain.MonetaryCurrency;
 import org.mifosplatform.organisation.monetary.domain.Money;
 import org.mifosplatform.organisation.workingdays.domain.WorkingDays;
 import org.mifosplatform.organisation.workingdays.domain.WorkingDaysRepositoryWrapper;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.domain.Loan;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
 import org.mifosplatform.portfolio.loanaccount.domain.LoanRepositoryWrapper;
@@ -279,8 +280,9 @@ public class LoanRescheduleRequestWritePlatformServiceImpl implements LoanResche
                 Collection<LoanRepaymentScheduleHistory> loanRepaymentScheduleHistoryList = this.loanScheduleHistoryWritePlatformService
                         .createLoanScheduleArchive(loan.getRepaymentScheduleInstallments(), loan, loanRescheduleRequest);
 
+                HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
                 LoanRescheduleModel loanRescheduleModel = new DefaultLoanReschedulerFactory().reschedule(mathContext, interestMethod,
-                        loanRescheduleRequest, applicationCurrency, isHolidayEnabled, holidays, workingDays);
+                        loanRescheduleRequest, applicationCurrency, holidayDetailDTO);
 
                 final Collection<LoanRescheduleModelRepaymentPeriod> periods = loanRescheduleModel.getPeriods();
                 List<LoanRepaymentScheduleInstallment> repaymentScheduleInstallments = loan.getRepaymentScheduleInstallments();

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/service/LoanAccrualWritePlatformServiceImpl.java

@@ -426,8 +426,14 @@ public class LoanAccrualWritePlatformServiceImpl implements LoanAccrualWritePlat
                             }
                             chargeAmount = accruableForInstallment;
                             boolean canAddCharge = chargeAmount.compareTo(BigDecimal.ZERO) == 1;
-                            if (canAddCharge && installmentChargeData.getAmountAccrued() == null) {
-                                applicableCharges.put(loanCharge, chargeAmount);
+                            if (canAddCharge
+                                    && (installmentChargeData.getAmountAccrued() == null || chargeAmount.compareTo(installmentChargeData
+                                            .getAmountAccrued()) != 0)) {
+                                BigDecimal amountForAccrual = chargeAmount;
+                                if (installmentChargeData.getAmountAccrued() != null) {
+                                    amountForAccrual = chargeAmount.subtract(installmentChargeData.getAmountAccrued());
+                                }
+                                applicableCharges.put(loanCharge, amountForAccrual);
                                 BigDecimal amountAccrued = chargeAmount;
                                 if (loanCharge.getAmountAccrued() != null) {
                                     amountAccrued = amountAccrued.add(loanCharge.getAmountAccrued());
@@ -444,8 +450,12 @@ public class LoanAccrualWritePlatformServiceImpl implements LoanAccrualWritePlat
                     chargeAmount = chargeAmount.subtract(loanCharge.getAmountUnrecognized());
                 }
                 boolean canAddCharge = chargeAmount.compareTo(BigDecimal.ZERO) == 1;
-                if (canAddCharge && loanCharge.getAmountAccrued() == null) {
-                    applicableCharges.put(loanCharge, chargeAmount);
+                if (canAddCharge && (loanCharge.getAmountAccrued() == null || chargeAmount.compareTo(loanCharge.getAmountAccrued()) != 0)) {
+                    BigDecimal amountForAccrual = chargeAmount;
+                    if (loanCharge.getAmountAccrued() != null) {
+                        amountForAccrual = chargeAmount.subtract(loanCharge.getAmountAccrued());
+                    }
+                    applicableCharges.put(loanCharge, amountForAccrual);
                 }
             }
 
@@ -487,7 +497,7 @@ public class LoanAccrualWritePlatformServiceImpl implements LoanAccrualWritePlat
                     loanTransactionDatas.add(loanTransactionData);
                 }
             }
-            
+
             Iterator<LoanTransactionData> iterator = loanTransactionDatas.iterator();
             for (LoanSchedulePeriodData loanSchedulePeriodData : loanSchedulePeriodDatas) {
                 if (recognized.compareTo(BigDecimal.ZERO) != 1 && unrecognized.compareTo(BigDecimal.ZERO) != 1 && iterator.hasNext()) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java

@@ -86,9 +86,11 @@ import org.mifosplatform.portfolio.group.domain.Group;
 import org.mifosplatform.portfolio.group.exception.GroupNotActiveException;
 import org.mifosplatform.portfolio.loanaccount.api.LoanApiConstants;
 import org.mifosplatform.portfolio.loanaccount.command.LoanUpdateCommand;
+import org.mifosplatform.portfolio.loanaccount.data.HolidayDetailDTO;
 import org.mifosplatform.portfolio.loanaccount.data.LoanChargeData;
 import org.mifosplatform.portfolio.loanaccount.data.LoanChargePaidByData;
 import org.mifosplatform.portfolio.loanaccount.data.LoanInstallmentChargeData;
+import org.mifosplatform.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 import org.mifosplatform.portfolio.loanaccount.domain.ChangedTransactionDetail;
 import org.mifosplatform.portfolio.loanaccount.domain.DefaultLoanLifecycleStateMachine;
 import org.mifosplatform.portfolio.loanaccount.domain.Loan;
@@ -120,6 +122,7 @@ import org.mifosplatform.portfolio.loanaccount.loanschedule.domain.ScheduledDate
 import org.mifosplatform.portfolio.loanaccount.loanschedule.service.LoanScheduleHistoryWritePlatformService;
 import org.mifosplatform.portfolio.loanaccount.serialization.LoanEventApiJsonValidator;
 import org.mifosplatform.portfolio.loanaccount.serialization.LoanUpdateCommandFromApiJsonDeserializer;
+import org.mifosplatform.portfolio.loanproduct.data.LoanOverdueDTO;
 import org.mifosplatform.portfolio.loanproduct.data.LoanProductData;
 import org.mifosplatform.portfolio.loanproduct.exception.InvalidCurrencyException;
 import org.mifosplatform.portfolio.loanproduct.exception.LinkedAccountRequiredException;
@@ -299,20 +302,27 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             }
 
             CalendarInstance restCalendarInstance = null;
+            LocalDate recalculateFrom = null;
+            Long overdurPenaltyWaitPeriod = null;
+            LocalDate lastTransactionDate = null;
             if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
                 restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                         CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
+                overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
             }
+            HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays, allowTransactionsOnHoliday,
+                    allowTransactionsOnNonWorkingDay);
+            ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                    calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom,
+                    overdurPenaltyWaitPeriod, lastTransactionDate);
 
-            regenerateScheduleOnDisbursement(command, loan, applicationCurrency, calculatedRepaymentsStartingFromDate, isHolidayEnabled,
-                    holidays, workingDays, recalculateSchedule);
+            regenerateScheduleOnDisbursement(command, loan, recalculateSchedule, scheduleGeneratorDTO);
             if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
                 this.loanScheduleHistoryWritePlatformService.createAndSaveLoanScheduleArchive(loan.fetchRepaymentScheduleInstallments(),
                         loan, null);
             }
-            changedTransactionDetail = loan.disburse(this.loanScheduleFactory, currentUser, command, applicationCurrency, changes,
-                    calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, allowTransactionsOnHoliday,
-                    allowTransactionsOnNonWorkingDay, restCalendarInstance);
+
+            changedTransactionDetail = loan.disburse(currentUser, command, changes, scheduleGeneratorDTO);
         }
         if (!changes.isEmpty()) {
             saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
@@ -496,19 +506,26 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                     loan.getLoanTransactions().add(disbursementTransaction);
                 }
                 CalendarInstance restCalendarInstance = null;
+                LocalDate recalculateFrom = null;
+                Long overdurPenaltyWaitPeriod = null;
+                LocalDate lastTransactionDate = null;
                 if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
                     restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(
                             loan.loanInterestRecalculationDetailId(), CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
+                    overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
                 }
-                regenerateScheduleOnDisbursement(command, loan, applicationCurrency, firstRepaymentOnDate, isHolidayEnabled, holidays,
-                        workingDays, recalculateSchedule);
+                HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays,
+                        allowTransactionsOnHoliday, allowTransactionsOnNonWorkingDay);
+                final ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                        firstRepaymentOnDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                        lastTransactionDate);
+                regenerateScheduleOnDisbursement(command, loan, recalculateSchedule, scheduleGeneratorDTO);
                 if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
                     this.loanScheduleHistoryWritePlatformService.createAndSaveLoanScheduleArchive(
                             loan.fetchRepaymentScheduleInstallments(), loan, null);
                 }
-                changedTransactionDetail = loan.disburse(this.loanScheduleFactory, currentUser, command, applicationCurrency, changes,
-                        firstRepaymentOnDate, isHolidayEnabled, holidays, workingDays, allowTransactionsOnHoliday,
-                        allowTransactionsOnNonWorkingDay, restCalendarInstance);
+
+                changedTransactionDetail = loan.disburse(currentUser, command, changes, scheduleGeneratorDTO);
             }
             if (!changes.isEmpty()) {
 
@@ -582,8 +599,12 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final List<Long> existingTransactionIds = new ArrayList<>();
         final List<Long> existingReversedTransactionIds = new ArrayList<>();
 
-        final Map<String, Object> changes = loan.undoDisbursal(this.loanScheduleFactory, applicationCurrency, existingTransactionIds,
-                existingReversedTransactionIds, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays);
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(this.loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO);
+
+        final Map<String, Object> changes = loan
+                .undoDisbursal(scheduleGeneratorDTO, existingTransactionIds, existingReversedTransactionIds);
 
         if (!changes.isEmpty()) {
             saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
@@ -740,6 +761,10 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         ApplicationCurrency applicationCurrency = null;
         LocalDate calculatedRepaymentsStartingFromDate = null;
         boolean isHolidayEnabled = false;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
+
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
@@ -752,12 +777,18 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                     loan.getDisbursementDate(), loan, calendarInstance);
 
             isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
 
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays, allowTransactionsOnHoliday,
+                allowTransactionsOnNonWorkingDay);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
+
         final ChangedTransactionDetail changedTransactionDetail = loan.adjustExistingTransaction(newTransactionDetail,
                 defaultLoanLifecycleStateMachine(), transactionToAdjust, existingTransactionIds, existingReversedTransactionIds,
-                allowTransactionsOnHoliday, holidays, workingDays, isHolidayEnabled, allowTransactionsOnNonWorkingDay,
-                this.loanScheduleFactory, applicationCurrency, calculatedRepaymentsStartingFromDate, restCalendarInstance);
+                scheduleGeneratorDTO);
 
         if (newTransactionDetail.isGreaterThanZero(loan.getPrincpal().getCurrency())) {
             if (paymentDetail != null) {
@@ -856,6 +887,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         List<Holiday> holidays = null;
         boolean isHolidayEnabled = false;
         WorkingDays workingDays = null;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
@@ -870,12 +904,15 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
             holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate().toDate());
             workingDays = this.workingDaysRepository.findOne();
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
 
-        final ChangedTransactionDetail changedTransactionDetail = loan
-                .waiveInterest(waiveInterestTransaction, defaultLoanLifecycleStateMachine(), existingTransactionIds,
-                        existingReversedTransactionIds, holidays, workingDays, isHolidayEnabled, this.loanScheduleFactory,
-                        applicationCurrency, calculatedRepaymentsStartingFromDate, restCalendarInstance);
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
+        final ChangedTransactionDetail changedTransactionDetail = loan.waiveInterest(waiveInterestTransaction,
+                defaultLoanLifecycleStateMachine(), existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
 
         this.loanTransactionRepository.save(waiveInterestTransaction);
 
@@ -949,14 +986,21 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
 
         CalendarInstance restCalendarInstance = null;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
 
         final ChangedTransactionDetail changedTransactionDetail = loan.closeAsWrittenOff(command, defaultLoanLifecycleStateMachine(),
-                changes, existingTransactionIds, existingReversedTransactionIds, currentUser, this.loanScheduleFactory,
-                applicationCurrency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, restCalendarInstance);
+                changes, existingTransactionIds, existingReversedTransactionIds, currentUser, scheduleGeneratorDTO);
         LoanTransaction writeoff = changedTransactionDetail.getNewTransactionMappings().remove(0L);
         this.loanTransactionRepository.save(writeoff);
         for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
@@ -1017,14 +1061,22 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
 
         CalendarInstance restCalendarInstance = null;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
+
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
-
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
+
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(this.loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
         ChangedTransactionDetail changedTransactionDetail = loan.close(command, defaultLoanLifecycleStateMachine(), changes,
-                existingTransactionIds, existingReversedTransactionIds, this.loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, restCalendarInstance);
+                existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
         final LoanTransaction possibleClosingTransaction = changedTransactionDetail.getNewTransactionMappings().remove(0L);
         if (possibleClosingTransaction != null) {
             this.loanTransactionRepository.save(possibleClosingTransaction);
@@ -1133,8 +1185,25 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             throw new LoanChargeCannotBeAddedException("loanCharge", "overdue.charge", defaultUserMessage, null, chargeDefinition.getName());
         }
 
-        addCharge(loan, chargeDefinition, loanCharge);
+        final List<Long> existingTransactionIds = new ArrayList<>(loan.findExistingTransactionIds());
+        final List<Long> existingReversedTransactionIds = new ArrayList<>(loan.findExistingReversedTransactionIds());
 
+        boolean isAppliedOnBackDate = addCharge(loan, chargeDefinition, loanCharge);
+
+        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            if (isAppliedOnBackDate && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
+                runScheduleRecalculation(loan);
+            }
+            updateOriginalSchedule(loan);
+
+        }
+
+        postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
+
+        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && isAppliedOnBackDate
+                && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
+            this.loanAccountDomainService.recalculateAccruals(loan);
+        }
         return new CommandProcessingResultBuilder() //
                 .withCommandId(command.commandId()) //
                 .withEntityId(loanCharge.getId()) //
@@ -1145,7 +1214,71 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 .build();
     }
 
-    private void addCharge(final Loan loan, final Charge chargeDefinition, final LoanCharge loanCharge) {
+    public void runScheduleRecalculation(Loan loan) {
+        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+            CalendarInstance restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(
+                    loan.loanInterestRecalculationDetailId(), CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
+
+            final MonetaryCurrency currency = loan.getCurrency();
+            ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
+            final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+                    CalendarEntityType.LOANS.getValue());
+            LocalDate calculatedRepaymentsStartingFromDate = this.loanAccountDomainService.getCalculatedRepaymentsStartingFromDate(
+                    loan.getDisbursementDate(), loan, calendarInstance);
+
+            boolean isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
+            List<Holiday> holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate()
+                    .toDate());
+            WorkingDays workingDays = this.workingDaysRepository.findOne();
+            final Long overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
+
+            LocalDate recalculateFrom = null;
+            LocalDate lastTransactionDate = null;
+
+            HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+            ScheduleGeneratorDTO generatorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                    calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom,
+                    overdurPenaltyWaitPeriod, lastTransactionDate);
+            ChangedTransactionDetail changedTransactionDetail = loan
+                    .handleRegenerateRepaymentScheduleWithInterestRecalculation(generatorDTO);
+            saveLoanWithDataIntegrityViolationChecks(loan);
+            if (changedTransactionDetail != null) {
+                for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
+                    this.loanTransactionRepository.save(mapEntry.getValue());
+                    // update loan with references to the newly created
+                    // transactions
+                    loan.getLoanTransactions().add(mapEntry.getValue());
+                    this.accountTransfersWritePlatformService.updateLoanTransaction(mapEntry.getKey(), mapEntry.getValue());
+                }
+            }
+
+        }
+    }
+
+    public void updateOriginalSchedule(Loan loan) {
+        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+
+            final MonetaryCurrency currency = loan.getCurrency();
+            ApplicationCurrency applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
+            final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+                    CalendarEntityType.LOANS.getValue());
+            LocalDate calculatedRepaymentsStartingFromDate = this.loanAccountDomainService.getCalculatedRepaymentsStartingFromDate(
+                    loan.getDisbursementDate(), loan, calendarInstance);
+
+            boolean isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
+            List<Holiday> holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate()
+                    .toDate());
+            WorkingDays workingDays = this.workingDaysRepository.findOne();
+
+            HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+            ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                    calculatedRepaymentsStartingFromDate, holidayDetailDTO);
+            createLoanScheduleArchive(loan, scheduleGeneratorDTO);
+        }
+
+    }
+
+    private boolean addCharge(final Loan loan, final Charge chargeDefinition, final LoanCharge loanCharge) {
 
         if (!loan.hasCurrencyCodeOf(chargeDefinition.getCurrencyCode())) {
             final String errorMessage = "Charge and Loan must have the same currency.";
@@ -1161,34 +1294,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             }
         }
 
-        final List<Long> existingTransactionIds = new ArrayList<>();
-        final List<Long> existingReversedTransactionIds = new ArrayList<>();
         this.loanChargeRepository.save(loanCharge);
-        CalendarInstance restCalendarInstance = null;
-        ApplicationCurrency applicationCurrency = null;
-        LocalDate calculatedRepaymentsStartingFromDate = null;
-        List<Holiday> holidays = null;
-        boolean isHolidayEnabled = false;
-        WorkingDays workingDays = null;
-        if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-            restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
-                    CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
 
-            final MonetaryCurrency currency = loan.getCurrency();
-            applicationCurrency = this.applicationCurrencyRepository.findOneWithNotFoundDetection(currency);
-            final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
-                    CalendarEntityType.LOANS.getValue());
-            calculatedRepaymentsStartingFromDate = this.loanAccountDomainService.getCalculatedRepaymentsStartingFromDate(
-                    loan.getDisbursementDate(), loan, calendarInstance);
-
-            isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
-            holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate().toDate());
-            workingDays = this.workingDaysRepository.findOne();
-        }
-
-        final ChangedTransactionDetail changedTransactionDetail = loan.addLoanCharge(loanCharge, existingTransactionIds,
-                existingReversedTransactionIds, holidays, workingDays, isHolidayEnabled, loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, restCalendarInstance);
+        final ChangedTransactionDetail changedTransactionDetail = loan.addLoanCharge(loanCharge);
 
         /**
          * we want to apply charge transactions only for those loans charges
@@ -1217,13 +1325,13 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                     this.accountTransfersWritePlatformService.updateLoanTransaction(mapEntry.getKey(), mapEntry.getValue());
                 }
             }
-            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-                createLoanScheduleArchive(loan, applicationCurrency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays,
-                        workingDays);
-            }
-            // we post Journal entries only for loans in active status
-            postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
+
         }
+        boolean isAppliedOnBackDate = false;
+        if (loanCharge.getDueLocalDate() == null || LocalDate.now().isAfter(loanCharge.getDueLocalDate())) {
+            isAppliedOnBackDate = true;
+        }
+        return isAppliedOnBackDate;
     }
 
     @Transactional
@@ -1311,6 +1419,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         List<Holiday> holidays = null;
         boolean isHolidayEnabled = false;
         WorkingDays workingDays = null;
+        LocalDate recalculateFrom = null;
+        LocalDate lastTransactionDate = null;
+        Long overdurPenaltyWaitPeriod = null;
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
@@ -1325,8 +1436,14 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
             holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate().toDate());
             workingDays = this.workingDaysRepository.findOne();
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
 
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
+
         Money accruedCharge = Money.zero(loan.getCurrency());
         if (loan.isPeriodicAccrualAccountingEnabledOnLoanProduct()) {
             Collection<LoanChargePaidByData> chargePaidByDatas = this.loanChargeReadPlatformService.retriveLoanChargesPaidBy(
@@ -1337,8 +1454,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
 
         final LoanTransaction waiveTransaction = loan.waiveLoanCharge(loanCharge, defaultLoanLifecycleStateMachine(), changes,
-                existingTransactionIds, existingReversedTransactionIds, loanInstallmentNumber, holidays, workingDays, isHolidayEnabled,
-                loanScheduleFactory, applicationCurrency, calculatedRepaymentsStartingFromDate, restCalendarInstance, accruedCharge);
+                existingTransactionIds, existingReversedTransactionIds, loanInstallmentNumber, scheduleGeneratorDTO, accruedCharge);
 
         this.loanTransactionRepository.save(waiveTransaction);
         saveLoanWithDataIntegrityViolationChecks(loan);
@@ -2011,39 +2127,43 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         if (!overdueLoanScheduledInstallments.isEmpty()) {
             final StringBuilder sb = new StringBuilder();
+            final Map<Long, Collection<OverdueLoanScheduleData>> overdueScheduleData = new HashMap<>();
             for (final OverdueLoanScheduleData overdueInstallment : overdueLoanScheduledInstallments) {
+                if (overdueScheduleData.containsKey(overdueInstallment.getLoanId())) {
+                    overdueScheduleData.get(overdueInstallment.getLoanId()).add(overdueInstallment);
+                } else {
+                    Collection<OverdueLoanScheduleData> loanData = new ArrayList<>();
+                    loanData.add(overdueInstallment);
+                    overdueScheduleData.put(overdueInstallment.getLoanId(), loanData);
+                }
+            }
+
+            for (final Long loanId : overdueScheduleData.keySet()) {
                 try {
-
-                    final JsonElement parsedCommand = this.fromApiJsonHelper.parse(overdueInstallment.toString());
-
-                    final JsonCommand command = JsonCommand.from(overdueInstallment.toString(), parsedCommand, this.fromApiJsonHelper,
-                            null, null, null, null, null, overdueInstallment.getLoanId(), null, null, null, null);
-
-                    applyChargeToOverdueLoanInstallment(overdueInstallment.getLoanId(), overdueInstallment.getChargeId(),
-                            overdueInstallment.getPeriodNumber(), command);
+                    applyOverdueChargesForLoan(loanId, overdueScheduleData.get(loanId));
 
                 } catch (final PlatformApiDataValidationException e) {
                     final List<ApiParameterError> errors = e.getErrors();
                     for (final ApiParameterError error : errors) {
-                        logger.error("Apply Charges due for overdue loans failed for account:" + overdueInstallment.getLoanId()
-                                + " with message " + error.getDeveloperMessage());
-                        sb.append("Apply Charges due for overdue loans failed for account:").append(overdueInstallment.getLoanId())
-                                .append(" with message ").append(error.getDeveloperMessage());
+                        logger.error("Apply Charges due for overdue loans failed for account:" + loanId + " with message "
+                                + error.getDeveloperMessage());
+                        sb.append("Apply Charges due for overdue loans failed for account:").append(loanId).append(" with message ")
+                                .append(error.getDeveloperMessage());
                     }
                 } catch (final AbstractPlatformDomainRuleException ex) {
-                    logger.error("Apply Charges due for overdue loans failed for account:" + overdueInstallment.getLoanId()
-                            + " with message " + ex.getDefaultUserMessage());
-                    sb.append("Apply Charges due for overdue loans failed for account:").append(overdueInstallment.getLoanId())
-                            .append(" with message ").append(ex.getDefaultUserMessage());
+                    logger.error("Apply Charges due for overdue loans failed for account:" + loanId + " with message "
+                            + ex.getDefaultUserMessage());
+                    sb.append("Apply Charges due for overdue loans failed for account:").append(loanId).append(" with message ")
+                            .append(ex.getDefaultUserMessage());
                 } catch (Exception e) {
                     Throwable realCause = e;
                     if (e.getCause() != null) {
                         realCause = e.getCause();
                     }
-                    logger.error("Apply Charges due for overdue loans failed for account:" + overdueInstallment.getLoanId()
-                            + " with message " + realCause.getMessage());
-                    sb.append("Apply Charges due for overdue loans failed for account:").append(overdueInstallment.getLoanId())
-                            .append(" with message ").append(realCause.getMessage());
+                    logger.error("Apply Charges due for overdue loans failed for account:" + loanId + " with message "
+                            + realCause.getMessage());
+                    sb.append("Apply Charges due for overdue loans failed for account:").append(loanId).append(" with message ")
+                            .append(realCause.getMessage());
                 }
             }
             if (sb.length() > 0) { throw new JobExecutionException(sb.toString()); }
@@ -2051,9 +2171,42 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     }
 
     @Transactional
-    public void applyChargeToOverdueLoanInstallment(final Long loanId, final Long loanChargeId, final Integer periodNumber,
-            final JsonCommand command) {
+    public void applyOverdueChargesForLoan(final Long loanId, Collection<OverdueLoanScheduleData> overdueLoanScheduleDatas) {
 
+        Loan loan = null;
+        final List<Long> existingTransactionIds = new ArrayList<>();
+        final List<Long> existingReversedTransactionIds = new ArrayList<>();
+        boolean runInterestRecalculation = false;
+        for (final OverdueLoanScheduleData overdueInstallment : overdueLoanScheduleDatas) {
+
+            final JsonElement parsedCommand = this.fromApiJsonHelper.parse(overdueInstallment.toString());
+            final JsonCommand command = JsonCommand.from(overdueInstallment.toString(), parsedCommand, this.fromApiJsonHelper, null, null,
+                    null, null, null, loanId, null, null, null, null);
+            LoanOverdueDTO overdueDTO = applyChargeToOverdueLoanInstallment(loanId, overdueInstallment.getChargeId(),
+                    overdueInstallment.getPeriodNumber(), command, loan, existingTransactionIds, existingReversedTransactionIds);
+            loan = overdueDTO.getLoan();
+            runInterestRecalculation = runInterestRecalculation || overdueDTO.isRunInterestRecalculation();
+        }
+        if (loan != null) {
+            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+                if (runInterestRecalculation && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
+                    runScheduleRecalculation(loan);
+                }
+                updateOriginalSchedule(loan);
+            }
+
+            postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
+
+            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() && runInterestRecalculation
+                    && loan.isFeeCompoundingEnabledForInterestRecalculation()) {
+                this.loanAccountDomainService.recalculateAccruals(loan);
+            }
+        }
+    }
+
+    public LoanOverdueDTO applyChargeToOverdueLoanInstallment(final Long loanId, final Long loanChargeId, final Integer periodNumber,
+            final JsonCommand command, Loan loan, final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds) {
+        boolean runInterestRecalculation = false;
         final Charge chargeDefinition = this.chargeRepository.findOneWithNotFoundDetection(loanChargeId);
 
         Collection<Integer> frequencyNumbers = loanChargeReadPlatformService.retrieveOverdueInstallmentChargeFrequencyNumber(loanId,
@@ -2087,24 +2240,32 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             scheduleDates.remove(frequency);
         }
 
-        Loan loan = null;
         LoanRepaymentScheduleInstallment installment = null;
         if (!scheduleDates.isEmpty()) {
-            loan = this.loanAssembler.assembleFrom(loanId);
-            checkClientOrGroupActive(loan);
+            if (loan == null) {
+                loan = this.loanAssembler.assembleFrom(loanId);
+                checkClientOrGroupActive(loan);
+                existingTransactionIds.addAll(loan.findExistingTransactionIds());
+                existingReversedTransactionIds.addAll(loan.findExistingReversedTransactionIds());
+            }
             installment = loan.fetchRepaymentScheduleInstallment(periodNumber);
         }
+        if (loan != null) {
 
-        for (Map.Entry<Integer, LocalDate> entry : scheduleDates.entrySet()) {
+            for (Map.Entry<Integer, LocalDate> entry : scheduleDates.entrySet()) {
 
-            final LoanCharge loanCharge = LoanCharge.createNewFromJson(loan, chargeDefinition, command, entry.getValue());
+                final LoanCharge loanCharge = LoanCharge.createNewFromJson(loan, chargeDefinition, command, entry.getValue());
 
-            LoanOverdueInstallmentCharge overdueInstallmentCharge = new LoanOverdueInstallmentCharge(loanCharge, installment,
-                    entry.getKey());
-            loanCharge.updateOverdueInstallmentCharge(overdueInstallmentCharge);
+                LoanOverdueInstallmentCharge overdueInstallmentCharge = new LoanOverdueInstallmentCharge(loanCharge, installment,
+                        entry.getKey());
+                loanCharge.updateOverdueInstallmentCharge(overdueInstallmentCharge);
 
-            addCharge(loan, chargeDefinition, loanCharge);
+                boolean isAppliedOnBackDate = addCharge(loan, chargeDefinition, loanCharge);
+                runInterestRecalculation = runInterestRecalculation || isAppliedOnBackDate;
+            }
         }
+
+        return new LoanOverdueDTO(loan, runInterestRecalculation);
     }
 
     @Override
@@ -2122,6 +2283,10 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         List<Holiday> holidays = null;
         boolean isHolidayEnabled = false;
         WorkingDays workingDays = null;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
+
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
@@ -2136,11 +2301,16 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
             holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate().toDate());
             workingDays = this.workingDaysRepository.findOne();
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
 
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
+
         ChangedTransactionDetail changedTransactionDetail = loan.undoWrittenOff(existingTransactionIds, existingReversedTransactionIds,
-                isHolidayEnabled, holidays, workingDays, this.loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, restCalendarInstance);
+                scheduleGeneratorDTO);
         if (changedTransactionDetail != null) {
             for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
                 this.loanTransactionRepository.save(mapEntry.getValue());
@@ -2182,13 +2352,22 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final List<Long> existingReversedTransactionIds = new ArrayList<>();
         final Map<String, Object> changes = new LinkedHashMap<>();
         CalendarInstance restCalendarInstance = null;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
             restCalendarInstance = calendarInstanceRepository.findCalendarInstaneByEntityId(loan.loanInterestRecalculationDetailId(),
                     CalendarEntityType.LOAN_RECALCULATION_DETAIL.getValue());
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
+
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO scheduleGeneratorDTO = new ScheduleGeneratorDTO(this.loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
+
         final ChangedTransactionDetail changedTransactionDetail = loan.updateDisbursementDateForTranche(loanDisbursementDetails, command,
-                existingTransactionIds, existingReversedTransactionIds, changes, this.loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, restCalendarInstance);
+                existingTransactionIds, existingReversedTransactionIds, changes, scheduleGeneratorDTO);
 
         saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
 
@@ -2198,8 +2377,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             }
         }
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
-            createLoanScheduleArchive(loan, applicationCurrency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays,
-                    workingDays);
+            createLoanScheduleArchive(loan, scheduleGeneratorDTO);
         }
         postJournalEntries(loan, existingTransactionIds, existingReversedTransactionIds);
         this.loanAccountDomainService.recalculateAccruals(loan);
@@ -2299,6 +2477,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         List<Holiday> holidays = null;
         boolean isHolidayEnabled = false;
         WorkingDays workingDays = null;
+        LocalDate recalculateFrom = null;
+        Long overdurPenaltyWaitPeriod = null;
+        LocalDate lastTransactionDate = null;
         final List<Long> existingTransactionIds = new ArrayList<>();
         final List<Long> existingReversedTransactionIds = new ArrayList<>();
         if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
@@ -2315,9 +2496,14 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             isHolidayEnabled = this.configurationDomainService.isRescheduleRepaymentsOnHolidaysEnabled();
             holidays = this.holidayRepository.findByOfficeIdAndGreaterThanDate(loan.getOfficeId(), loan.getDisbursementDate().toDate());
             workingDays = this.workingDaysRepository.findOne();
+            overdurPenaltyWaitPeriod = this.configurationDomainService.retrievePenaltyWaitPeriod();
         }
-        ChangedTransactionDetail changedTransactionDetail = loan.recalculateScheduleFromLastTransaction(loanScheduleFactory,
-                applicationCurrency, calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays, restCalendarInstance,
+        HolidayDetailDTO holidayDetailDTO = new HolidayDetailDTO(isHolidayEnabled, holidays, workingDays);
+        ScheduleGeneratorDTO generatorDTO = new ScheduleGeneratorDTO(loanScheduleFactory, applicationCurrency,
+                calculatedRepaymentsStartingFromDate, holidayDetailDTO, restCalendarInstance, recalculateFrom, overdurPenaltyWaitPeriod,
+                lastTransactionDate);
+
+        ChangedTransactionDetail changedTransactionDetail = loan.recalculateScheduleFromLastTransaction(generatorDTO,
                 existingTransactionIds, existingReversedTransactionIds);
 
         saveLoanWithDataIntegrityViolationChecks(loan);
@@ -2340,23 +2526,18 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
     }
 
-    private void createLoanScheduleArchive(final Loan loan, final ApplicationCurrency applicationCurrency,
-            final LocalDate calculatedRepaymentsStartingFromDate, final boolean isHolidayEnabled, final List<Holiday> holidays,
-            final WorkingDays workingDays) {
-        LoanScheduleModel loanScheduleModel = loan.regenerateScheduleModel(loanScheduleFactory, applicationCurrency,
-                calculatedRepaymentsStartingFromDate, isHolidayEnabled, holidays, workingDays);
+    private void createLoanScheduleArchive(final Loan loan, final ScheduleGeneratorDTO scheduleGeneratorDTO) {
+        LoanScheduleModel loanScheduleModel = loan.regenerateScheduleModel(scheduleGeneratorDTO);
         List<LoanRepaymentScheduleInstallment> installments = retrieveRepaymentScheduleFromModel(loanScheduleModel);
         this.loanScheduleHistoryWritePlatformService.createAndSaveLoanScheduleArchive(installments, loan, null);
 
     }
 
-    private void regenerateScheduleOnDisbursement(final JsonCommand command, final Loan loan,
-            final ApplicationCurrency applicationCurrency, final LocalDate calculatedRepaymentsStartingFromDate,
-            final boolean isHolidayEnabled, final List<Holiday> holidays, final WorkingDays workingDays, final boolean recalculateSchedule) {
+    private void regenerateScheduleOnDisbursement(final JsonCommand command, final Loan loan, final boolean recalculateSchedule,
+            final ScheduleGeneratorDTO scheduleGeneratorDTO) {
         final LocalDate actualDisbursementDate = command.localDateValueOfParameterNamed("actualDisbursementDate");
         BigDecimal emiAmount = command.bigDecimalValueOfParameterNamed(LoanApiConstants.emiAmountParameterName);
-        loan.regenerateScheduleOnDisbursement(loanScheduleFactory, applicationCurrency, calculatedRepaymentsStartingFromDate,
-                isHolidayEnabled, holidays, workingDays, recalculateSchedule, actualDisbursementDate, emiAmount);
+        loan.regenerateScheduleOnDisbursement(scheduleGeneratorDTO, recalculateSchedule, actualDisbursementDate, emiAmount);
     }
 
     private List<LoanRepaymentScheduleInstallment> retrieveRepaymentScheduleFromModel(LoanScheduleModel model) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanproduct/data/LoanOverdueDTO.java

@@ -0,0 +1,22 @@
+package org.mifosplatform.portfolio.loanproduct.data;
+
+import org.mifosplatform.portfolio.loanaccount.domain.Loan;
+
+public class LoanOverdueDTO {
+
+    private final Loan loan;
+    private final boolean runInterestRecalculation;
+
+    public LoanOverdueDTO(final Loan loan, final boolean runInterestRecalculation) {
+        this.loan = loan;
+        this.runInterestRecalculation = runInterestRecalculation;
+    }
+
+    public boolean isRunInterestRecalculation() {
+        return this.runInterestRecalculation;
+    }
+
+    public Loan getLoan() {
+        return this.loan;
+    }
+}

mifosng-provider/src/main/java/org/mifosplatform/portfolio/loanproduct/domain/InterestRecalculationCompoundingMethod.java

@@ -52,4 +52,9 @@ public enum InterestRecalculationCompoundingMethod {
     public String getCode() {
         return this.code;
     }
+
+    public boolean isFeeCompoundingEnabled() {
+        return this.getValue().equals(InterestRecalculationCompoundingMethod.FEE.getValue())
+                || this.getValue().equals(InterestRecalculationCompoundingMethod.INTEREST_AND_FEE.getValue());
+    }
 }