implementation of loan product creation

2026-09-01 11:13:33 +05:30
parent eb1aa767f7
commit a1de1aab93
13 changed files with 3430 additions and 7 deletions
@@ -1466,6 +1466,26 @@ public class LoanProductData implements Serializable {
        this.allowAttributeOverrides = loanProductConfigurableAttributes;
    }

+    /**
+     * The legacy "Account Type Creation" fields, flat and keyed by their form field name.
+     *
+     * Set after construction rather than through a constructor parameter: the main constructor already
+     * takes over a hundred arguments, and threading two more through it would touch every call site for
+     * no benefit. Follows the same pattern as setLoanProductConfigurableAttributes above.
+     */
+    private Map<String, Object> cbsExtensions;
+
+    /** The legacy Interest Rate Detail grid: one entry per interest type, in form order. */
+    private List<Map<String, Object>> interestRateDetail;
+
+    public void setCbsExtensions(final Map<String, Object> cbsExtensions) {
+        this.cbsExtensions = cbsExtensions;
+    }
+
+    public void setInterestRateDetail(final List<Map<String, Object>> interestRateDetail) {
+        this.interestRateDetail = interestRateDetail;
+    }
+
    public boolean isIsLinkedToFloatingInterestRates() {
        return this.isLinkedToFloatingInterestRates;
    }
@@ -0,0 +1,740 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.OneToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * The legacy "Account Type Creation" configuration for a loan product.
+ *
+ * Fineract's loan product schema has no home for these fields, and they are specific to this
+ * deployment, so they hang off {@link LoanProduct} 1:1 instead of widening m_product_loan - an
+ * upstream change to that table can then never collide with them.
+ *
+ * Loan account creation reads this at origination time, which is why these are typed columns rather
+ * than a JSON blob: callers get a compile-checked getter and reports get a plain column.
+ */
+@Entity
+@Getter
+@Setter
+@NoArgsConstructor
+@Table(name = "m_product_loan_cbs_ext")
+public class LoanProductCbsExt {
+
+    @Id
+    @Column(name = "loan_product_id")
+    private Long loanProductId;
+
+    /**
+     * Shared primary key: this and {@link #loanProductId} are the same column, so the association is
+     * mapped read-only and {@code loanProductId} is the one that writes it. EclipseLink rejects an
+     * entity with two writable mappings for one field.
+     */
+    @OneToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "loan_product_id", insertable = false, updatable = false)
+    private LoanProduct loanProduct;
+
+    // ---- classification & legacy header fields (24) ---------------------
+
+    @Column(name = "product_type_group")
+    private String productTypeGroup;
+
+    @Column(name = "product_type_sub_group")
+    private String productTypeSubGroup;
+
+    @Column(name = "debit_int_calculation")
+    private Boolean debitIntCalculation;
+
+    @Column(name = "separate_penal_interest")
+    private Boolean separatePenalInterest;
+
+    @Column(name = "credit_int_calculation")
+    private Boolean creditIntCalculation;
+
+    @Column(name = "sub_account_type_balance")
+    private Boolean subAccountTypeBalance;
+
+    @Column(name = "final_int_rounding")
+    private Boolean finalIntRounding;
+
+    @Column(name = "rounding_up_to")
+    private Integer roundingUpTo;
+
+    @Column(name = "account_type_code")
+    private String accountTypeCode;
+
+    @Column(name = "micr_transaction_code")
+    private String micrTransactionCode;
+
+    @Column(name = "reserved_ecs_serial_number")
+    private String reservedEcsSerialNumber;
+
+    @Column(name = "reverse_ecs_number")
+    private String reverseEcsNumber;
+
+    @Column(name = "lock_cheque_info_enabled")
+    private Boolean lockChequeInfoEnabled;
+
+    @Column(name = "lock_page_two_info_enabled")
+    private Boolean lockPageTwoInfoEnabled;
+
+    @Column(name = "computerization_date")
+    private LocalDate computerizationDate;
+
+    @Column(name = "cheque_print_description")
+    private String chequePrintDescription;
+
+    @Column(name = "pos_account_type_description")
+    private String posAccountTypeDescription;
+
+    @Column(name = "pfms_account_type")
+    private String pfmsAccountType;
+
+    @Column(name = "renewal_date_add_months")
+    private Integer renewalDateAddMonths;
+
+    @Column(name = "document_renewal_date_add_months")
+    private Integer documentRenewalDateAddMonths;
+
+    @Column(name = "pps_limit")
+    private BigDecimal ppsLimit;
+
+    @Column(name = "is_write_off_account_type")
+    private Boolean isWriteOffAccountType;
+
+    @Column(name = "write_off_account_type_code")
+    private String writeOffAccountTypeCode;
+
+    @Column(name = "renewal_grace_days")
+    private Integer renewalGraceDays;
+
+    // ---- Cheque Book Settings (10) --------------------------------------
+
+    @Column(name = "cheque_book_issue_enabled")
+    private Boolean chequeBookIssueEnabled;
+
+    @Column(name = "cheque_validation_required")
+    private Boolean chequeValidationRequired;
+
+    @Column(name = "is_first_cheque_book_free")
+    private Boolean isFirstChequeBookFree;
+
+    @Column(name = "cheque_printing_account_type")
+    private String chequePrintingAccountType;
+
+    @Column(name = "allow_withdrawal_slip_usage")
+    private Boolean allowWithdrawalSlipUsage;
+
+    @Column(name = "maintain_cheque_book_stock_registry")
+    private Boolean maintainChequeBookStockRegistry;
+
+    @Column(name = "free_cheque_books_per_year")
+    private Integer freeChequeBooksPerYear;
+
+    @Column(name = "allow_credit_by_cheque_number")
+    private Boolean allowCreditByChequeNumber;
+
+    @Column(name = "credit_cheque_validation_required")
+    private Boolean creditChequeValidationRequired;
+
+    @Column(name = "grace_days_for_stock_statement")
+    private Integer graceDaysForStockStatement;
+
+    // ---- Additional Product Settings (37) -------------------------------
+
+    @Column(name = "account_type_active_for_transactions")
+    private Boolean accountTypeActiveForTransactions;
+
+    @Column(name = "sub_type_activity_enabled")
+    private Boolean subTypeActivityEnabled;
+
+    @Column(name = "account_opening_charges")
+    private BigDecimal accountOpeningCharges;
+
+    @Column(name = "maximum_gold_loan_limit")
+    private BigDecimal maximumGoldLoanLimit;
+
+    @Column(name = "last_account_number_opened")
+    private String lastAccountNumberOpened;
+
+    @Column(name = "customer_termination_allowed")
+    private Boolean customerTerminationAllowed;
+
+    @Column(name = "charges_for_cash_credit_above_limit")
+    private BigDecimal chargesForCashCreditAboveLimit;
+
+    @Column(name = "death_interest_gl_account")
+    private String deathInterestGLAccount;
+
+    @Column(name = "starting_ledger_number")
+    private Integer startingLedgerNumber;
+
+    @Column(name = "ending_ledger_number")
+    private Integer endingLedgerNumber;
+
+    @Column(name = "current_ledger_number")
+    private Integer currentLedgerNumber;
+
+    @Column(name = "remittance_account_number")
+    private String remittanceAccountNumber;
+
+    @Column(name = "is_non_resident_indian_account")
+    private Boolean isNonResidentIndianAccount;
+
+    @Column(name = "debit_clearing_gl_account")
+    private String debitClearingGLAccount;
+
+    @Column(name = "missed_call_alert_service_active")
+    private Boolean missedCallAlertServiceActive;
+
+    @Column(name = "standing_instruction_charge_gl_account")
+    private String standingInstructionChargeGLAccount;
+
+    @Column(name = "standing_instruction_debit_charge_skip_option")
+    private String standingInstructionDebitChargeSkipOption;
+
+    @Column(name = "opening_balance_multiplier_for_remittance_charges")
+    private BigDecimal openingBalanceMultiplierForRemittanceCharges;
+
+    @Column(name = "gold_loan_packet_number_with_year_enabled")
+    private Boolean goldLoanPacketNumberWithYearEnabled;
+
+    @Column(name = "account_move_to_inoperative_enabled")
+    private Boolean accountMoveToInoperativeEnabled;
+
+    @Column(name = "generate_gl_diff_entry_enabled")
+    private Boolean generateGlDiffEntryEnabled;
+
+    @Column(name = "sub_type_wise_gl_balance_generation_enabled")
+    private Boolean subTypeWiseGlBalanceGenerationEnabled;
+
+    @Column(name = "validate_before_deleting_debit_entry_enabled")
+    private Boolean validateBeforeDeletingDebitEntryEnabled;
+
+    @Column(name = "rc_file_concept_enabled")
+    private Boolean rcFileConceptEnabled;
+
+    @Column(name = "account_close_zero_balance_in_open_day_process")
+    private Boolean accountCloseZeroBalanceInOpenDayProcess;
+
+    @Column(name = "account_close_zero_balance_at_subledger_tran_entry")
+    private Boolean accountCloseZeroBalanceAtSubledgerTranEntry;
+
+    @Column(name = "limit_enhancement_against_clearing_screen_display_enabled")
+    private Boolean limitEnhancementAgainstClearingScreenDisplayEnabled;
+
+    @Column(name = "advance_interest_parameter_in_ledger_enabled")
+    private Boolean advanceInterestParameterInLedgerEnabled;
+
+    @Column(name = "vehicle_detail_in_master_enabled")
+    private Boolean vehicleDetailInMasterEnabled;
+
+    @Column(name = "deleted_cheque_issue_enabled")
+    private Boolean deletedChequeIssueEnabled;
+
+    @Column(name = "dp_reduce_in_document_renewal_date_enabled")
+    private Boolean dpReduceInDocumentRenewalDateEnabled;
+
+    @Column(name = "dp_reduce_in_renewal_date_enabled")
+    private Boolean dpReduceInRenewalDateEnabled;
+
+    @Column(name = "auto_close_at_day_end_enabled")
+    private Boolean autoCloseAtDayEndEnabled;
+
+    @Column(name = "loan_rate_from_master_enabled")
+    private Boolean loanRateFromMasterEnabled;
+
+    @Column(name = "cheque_short_name")
+    private String chequeShortName;
+
+    @Column(name = "statement_print_enabled")
+    private Boolean statementPrintEnabled;
+
+    @Column(name = "nesl_code")
+    private String neslCode;
+
+    // ---- Interest Related Parameters (53) -------------------------------
+
+    @Column(name = "drawing_power_and_limit_generation_procedure")
+    private String drawingPowerAndLimitGenerationProcedure;
+
+    @Column(name = "advances_interest_calculation_method")
+    private String advancesInterestCalculationMethod;
+
+    @Column(name = "against_interest_calculation_enabled")
+    private Boolean againstInterestCalculationEnabled;
+
+    @Column(name = "day_wise_against_clearing_interest_rounding")
+    private Boolean dayWiseAgainstClearingInterestRounding;
+
+    @Column(name = "interest_calculation_one_fourth_method")
+    private String interestCalculationOneFourthMethod;
+
+    @Column(name = "against_clearing_interest_procedure_type")
+    private String againstClearingInterestProcedureType;
+
+    @Column(name = "consider_debit_closing_amount_for_against_clearing")
+    private Boolean considerDebitClosingAmountForAgainstClearing;
+
+    @Column(name = "interest_rounding_method")
+    private String interestRoundingMethod;
+
+    @Column(name = "penalty_interest_calculation_enabled")
+    private Boolean penaltyInterestCalculationEnabled;
+
+    @Column(name = "penalty_interest_calculation_method")
+    private String penaltyInterestCalculationMethod;
+
+    @Column(name = "penalty_interest_procedure_number")
+    private String penaltyInterestProcedureNumber;
+
+    @Column(name = "overdrawn_interest_calculation_method")
+    private String overdrawnInterestCalculationMethod;
+
+    @Column(name = "calculate_overdrawn_interest_after_renewal")
+    private Boolean calculateOverdrawnInterestAfterRenewal;
+
+    @Column(name = "interest_on_credit_balance")
+    private Boolean interestOnCreditBalance;
+
+    @Column(name = "penalty_interest_date_different_than_regular_interest")
+    private Boolean penaltyInterestDateDifferentThanRegularInterest;
+
+    @Column(name = "fixed_deposit_overdraft_certificate_sort_order")
+    private String fixedDepositOverdraftCertificateSortOrder;
+
+    @Column(name = "use_document_submission_date_for_interest")
+    private Boolean useDocumentSubmissionDateForInterest;
+
+    @Column(name = "loan_management_system_renewal_penalty_active")
+    private Boolean loanManagementSystemRenewalPenaltyActive;
+
+    @Column(name = "minimum_normal_interest_amount")
+    private BigDecimal minimumNormalInterestAmount;
+
+    @Column(name = "minimum_interest_calculation_method")
+    private String minimumInterestCalculationMethod;
+
+    @Column(name = "minimum_against_clearing_interest_amount")
+    private BigDecimal minimumAgainstClearingInterestAmount;
+
+    @Column(name = "limit_increase_upto_interest_amount_in_interest_calculation")
+    private Boolean limitIncreaseUptoInterestAmountInInterestCalculation;
+
+    @Column(name = "minimum_penalty_interest_amount")
+    private BigDecimal minimumPenaltyInterestAmount;
+
+    @Column(name = "days_for_limit_increase_upto_interest_amount")
+    private Integer daysForLimitIncreaseUptoInterestAmount;
+
+    @Column(name = "additional_interest_rate_for_fixed_deposit_overdraft")
+    private BigDecimal additionalInterestRateForFixedDepositOverdraft;
+
+    @Column(name = "consider_dd_payorder_in_against_clearing_interest_calculation")
+    private Boolean considerDdPayorderInAgainstClearingInterestCalculation;
+
+    @Column(name = "grace_days_after_renew_date")
+    private Integer graceDaysAfterRenewDate;
+
+    @Column(name = "apply_undebited_interest_concept_enabled")
+    private Boolean applyUndebitedInterestConceptEnabled;
+
+    @Column(name = "interest_register_print_format_type")
+    private String interestRegisterPrintFormatType;
+
+    @Column(name = "normal_grace_days_after_overdue")
+    private Integer normalGraceDaysAfterOverdue;
+
+    @Column(name = "allow_against_clearing_entry")
+    private Boolean allowAgainstClearingEntry;
+
+    @Column(name = "allow_no_balance_entry")
+    private Boolean allowNoBalanceEntry;
+
+    @Column(name = "fd_od_penalty_interest_combined_with_normal_interest")
+    private Boolean fixedDepositOverdraftPenaltyInterestCombinedWithNormalInterest;
+
+    @Column(name = "allow_no_balance_entry_with_password")
+    private Boolean allowNoBalanceEntryWithPassword;
+
+    @Column(name = "undebited_simple_interest_account_wise")
+    private Boolean undebitedSimpleInterestAccountWise;
+
+    @Column(name = "daily_interest_calculation_enabled")
+    private Boolean dailyInterestCalculationEnabled;
+
+    @Column(name = "daily_interest_calculation_start_date")
+    private String dailyInterestCalculationStartDate;
+
+    @Column(name = "non_performing_asset_penal_interest_rate_update")
+    private Boolean nonPerformingAssetPenalInterestRateUpdate;
+
+    @Column(name = "non_performing_asset_penal_interest_rate")
+    private BigDecimal nonPerformingAssetPenalInterestRate;
+
+    @Column(name = "fd_od_penal_interest_rate_update_in_branch_process")
+    private Boolean fixedDepositOverdraftPenalInterestRateUpdateInBranchProcess;
+
+    @Column(name = "add_penal_interest_rate")
+    private BigDecimal addPenalInterestRate;
+
+    @Column(name = "atyp14_simple_interest_enabled")
+    private Boolean atyp14SimpleInterestEnabled;
+
+    @Column(name = "fixed_deposit_overdraft_margin_type")
+    private String fixedDepositOverdraftMarginType;
+
+    @Column(name = "check_master_detail_edited_passing_pending_enabled")
+    private Boolean checkMasterDetailEditedPassingPendingEnabled;
+
+    @Column(name = "credit_debit_interest_calculation_separate_enabled")
+    private Boolean creditDebitInterestCalculationSeparateEnabled;
+
+    @Column(name = "on_time_interest_provision_enabled")
+    private Boolean onTimeInterestProvisionEnabled;
+
+    @Column(name = "check_against_clearing_enabled")
+    private Boolean checkAgainstClearingEnabled;
+
+    @Column(name = "gst_on_penalty_enabled")
+    private Boolean gstOnPenaltyEnabled;
+
+    @Column(name = "penalty_interest_grace_days")
+    private Integer penaltyInterestGraceDays;
+
+    @Column(name = "overdrawn_interest_rate")
+    private BigDecimal overdrawnInterestRate;
+
+    @Column(name = "calculate_daily_limit_enhancement_tod_enabled")
+    private Boolean calculateDailyLimitEnhancementTodEnabled;
+
+    @Column(name = "fixed_deposit_overdraft_multiple_interest_rate_enabled")
+    private Boolean fixedDepositOverdraftMultipleInterestRateEnabled;
+
+    @Column(name = "grace_days_after_overdue_for_moratorium")
+    private Integer graceDaysAfterOverdueForMoratorium;
+
+    // ---- Credit Bureau Settings (CIBIL) (8) ----------------------------
+
+    @Column(name = "cibil_account_type")
+    private String cibilAccountType;
+
+    @Column(name = "cibil_commercial_account_type")
+    private String cibilCommercialAccountType;
+
+    @Column(name = "highmark_account_type")
+    private String highmarkAccountType;
+
+    @Column(name = "highmark_commercial_account_type")
+    private String highmarkCommercialAccountType;
+
+    @Column(name = "experian_account_type")
+    private String experianAccountType;
+
+    @Column(name = "experian_commercial_account_type")
+    private String experianCommercialAccountType;
+
+    @Column(name = "equifax_account_type")
+    private String equifaxAccountType;
+
+    @Column(name = "equifax_commercial_account_type")
+    private String equifaxCommercialAccountType;
+
+    // ---- RBI Compliance & Product Category (6) -------------------------
+
+    @Column(name = "loan_product_category")
+    private String loanProductCategory;
+
+    @Column(name = "penal_charge_method")
+    private String penalChargeMethod;
+
+    @Column(name = "is_floating_rate")
+    private Boolean isFloatingRate;
+
+    @Column(name = "foreclosure_charges_applicable")
+    private Boolean foreclosureChargesApplicable;
+
+    @Column(name = "key_fact_statement_enabled")
+    private Boolean keyFactStatementEnabled;
+
+    @Column(name = "annual_percentage_rate_calculation_enabled")
+    private Boolean annualPercentageRateCalculationEnabled;
+
+    // ---- Channel & Transaction Limits (23) ------------------------------
+
+    @Column(name = "is_mobile_app_enabled")
+    private Boolean isMobileAppEnabled;
+
+    @Column(name = "is_atm_enabled")
+    private Boolean isAtmEnabled;
+
+    @Column(name = "atm_yearly_charge_enabled")
+    private Boolean atmYearlyChargeEnabled;
+
+    @Column(name = "atm_minimum_balance")
+    private BigDecimal atmMinimumBalance;
+
+    @Column(name = "email_active_enabled")
+    private Boolean emailActiveEnabled;
+
+    @Column(name = "is_imps_enabled")
+    private Boolean isImpsEnabled;
+
+    @Column(name = "is_upi_enabled")
+    private Boolean isUpiEnabled;
+
+    @Column(name = "is_pos_enabled")
+    private Boolean isPosEnabled;
+
+    @Column(name = "is_bbps_enabled")
+    private Boolean isBbpsEnabled;
+
+    @Column(name = "inter_bank_limit_per_day")
+    private BigDecimal interBankLimitPerDay;
+
+    @Column(name = "inter_bank_limit_per_transaction")
+    private BigDecimal interBankLimitPerTransaction;
+
+    @Column(name = "neft_rtgs_limit_per_day")
+    private BigDecimal neftRtgsLimitPerDay;
+
+    @Column(name = "neft_rtgs_limit_per_transaction")
+    private BigDecimal neftRtgsLimitPerTransaction;
+
+    @Column(name = "neft_cutoff_limit")
+    private BigDecimal neftCutoffLimit;
+
+    @Column(name = "rtgs_cutoff_limit")
+    private BigDecimal rtgsCutoffLimit;
+
+    @Column(name = "neft_rtgs_minimum_balance")
+    private BigDecimal neftRtgsMinimumBalance;
+
+    @Column(name = "is_charge_required_neft_rtgs_cbs")
+    private Boolean isChargeRequiredNeftRtgsCbs;
+
+    @Column(name = "is_charge_required_neft_rtgs_mobile")
+    private Boolean isChargeRequiredNeftRtgsMobile;
+
+    @Column(name = "imps_limit_per_day")
+    private BigDecimal impsLimitPerDay;
+
+    @Column(name = "imps_limit_per_transaction")
+    private BigDecimal impsLimitPerTransaction;
+
+    @Column(name = "imps_limit_per_month")
+    private BigDecimal impsLimitPerMonth;
+
+    @Column(name = "imps_min_limit")
+    private BigDecimal impsMinLimit;
+
+    @Column(name = "imps_monthly_transaction_count")
+    private Integer impsMonthlyTransactionCount;
+
+    // ---- POS Facility & ATM CSV Settings (10) ---------------------------
+
+    @Column(name = "max_per_transaction_limit_atm")
+    private BigDecimal maxPerTransactionLimitAtm;
+
+    @Column(name = "max_day_transaction_limit_atm")
+    private BigDecimal maxDayTransactionLimitAtm;
+
+    @Column(name = "max_per_transaction_limit_pos")
+    private BigDecimal maxPerTransactionLimitPos;
+
+    @Column(name = "max_day_transaction_limit_pos")
+    private BigDecimal maxDayTransactionLimitPos;
+
+    @Column(name = "max_per_transaction_limit_ecom")
+    private BigDecimal maxPerTransactionLimitEcom;
+
+    @Column(name = "max_day_transaction_limit_ecom")
+    private BigDecimal maxDayTransactionLimitEcom;
+
+    @Column(name = "max_per_transaction_limit_upi")
+    private BigDecimal maxPerTransactionLimitUpi;
+
+    @Column(name = "max_day_transaction_limit_upi")
+    private BigDecimal maxDayTransactionLimitUpi;
+
+    @Column(name = "atm_csv_product_code")
+    private String atmCsvProductCode;
+
+    @Column(name = "atm_csv_type_code")
+    private String atmCsvTypeCode;
+
+    // ---- Auto Interest Post Parameters (4) -----------------------------
+
+    @Column(name = "auto_interest_post_type")
+    private String autoInterestPostType;
+
+    @Column(name = "auto_interest_post_when")
+    private String autoInterestPostWhen;
+
+    @Column(name = "auto_interest_post_fix_day")
+    private Integer autoInterestPostFixDay;
+
+    @Column(name = "auto_last_interest_date")
+    private String autoLastInterestDate;
+
+    // ---- Foreclosure / Early Account Closure (3) -----------------------
+
+    @Column(name = "calculate_early_account_close_charge")
+    private Boolean calculateEarlyAccountCloseCharge;
+
+    @Column(name = "early_account_close_charge")
+    private BigDecimal earlyAccountCloseCharge;
+
+    @Column(name = "early_account_close_period_in_months")
+    private Integer earlyAccountClosePeriodInMonths;
+
+    // ---- Terms step (3) ------------------------------------------------
+
+    @Column(name = "debit_balance_allow")
+    private Boolean debitBalanceAllow;
+
+    @Column(name = "allow_debit_trans_after_due_date")
+    private Boolean allowDebitTransAfterDueDate;
+
+    @Column(name = "branch_level_account_type")
+    private Boolean branchLevelAccountType;
+
+    // ---- legacy cheque / standing instruction / minimum balance charges (24) 
+
+    @Column(name = "cheque_book_charge_enabled")
+    private Boolean chequeBookChargeEnabled;
+
+    @Column(name = "cheque_return_charge_enabled")
+    private Boolean chequeReturnChargeEnabled;
+
+    @Column(name = "ic_charge_debit_enabled")
+    private Boolean icChargeDebitEnabled;
+
+    @Column(name = "cash_bundle_charge_enabled")
+    private Boolean cashBundleChargeEnabled;
+
+    @Column(name = "cash_bundle_charge_with_pan_limit")
+    private BigDecimal cashBundleChargeWithPanLimit;
+
+    @Column(name = "per_cheque_entry_charge")
+    private BigDecimal perChequeEntryCharge;
+
+    @Column(name = "per_cheque_entry_service_charge")
+    private BigDecimal perChequeEntryServiceCharge;
+
+    @Column(name = "per_inward_cheque_entry_charge")
+    private BigDecimal perInwardChequeEntryCharge;
+
+    @Column(name = "per_outward_cheque_entry_charge")
+    private BigDecimal perOutwardChequeEntryCharge;
+
+    @Column(name = "creditor_standing_instruction_fail_charge")
+    private BigDecimal creditorStandingInstructionFailCharge;
+
+    @Column(name = "debtor_standing_instruction_fail_charge")
+    private BigDecimal debtorStandingInstructionFailCharge;
+
+    @Column(name = "minimum_balance_checking_type")
+    private String minimumBalanceCheckingType;
+
+    @Column(name = "auto_minimum_balance_charge")
+    private Boolean autoMinimumBalanceCharge;
+
+    @Column(name = "calculate_daily_minimum_balance_charges")
+    private Boolean calculateDailyMinimumBalanceCharges;
+
+    @Column(name = "minimum_balance_charge_enabled")
+    private Boolean minimumBalanceChargeEnabled;
+
+    @Column(name = "minimum_balance_charge_amount")
+    private BigDecimal minimumBalanceChargeAmount;
+
+    @Column(name = "minimum_balance_charge_for_cheque_issue")
+    private BigDecimal minimumBalanceChargeForChequeIssue;
+
+    @Column(name = "minimum_balance_charge_method")
+    private String minimumBalanceChargeMethod;
+
+    @Column(name = "months_after_min_balance_charge_calculate")
+    private Integer monthsAfterMinBalanceChargeCalculate;
+
+    @Column(name = "for_cheque_issue")
+    private BigDecimal forChequeIssue;
+
+    @Column(name = "for_cheque_issue_avg")
+    private BigDecimal forChequeIssueAvg;
+
+    @Column(name = "for_withdrawal_slip")
+    private BigDecimal forWithdrawalSlip;
+
+    @Column(name = "for_withdrawal_slip_avg")
+    private BigDecimal forWithdrawalSlipAvg;
+
+    @Column(name = "calculate_daily_against_clearing_charge")
+    private Boolean calculateDailyAgainstClearingCharge;
+
+    // ---- custom GL account mappings (14) --------------------------------
+
+    @Column(name = "int_receivables_gl_account_id")
+    private Long intReceivablesGlAccountId;
+
+    @Column(name = "int_payable_gl_account_id")
+    private Long intPayableGlAccountId;
+
+    @Column(name = "deaf_int_payable_gl_account_id")
+    private Long deafIntPayableGlAccountId;
+
+    @Column(name = "int_overdue_reserve_account_id")
+    private Long intOverdueReserveAccountId;
+
+    @Column(name = "undebited_interest_account_id")
+    private Long undebitedInterestAccountId;
+
+    @Column(name = "penal_int_cr_gl_account_id")
+    private Long penalIntCrGlAccountId;
+
+    @Column(name = "rd_matured_gl_account_id")
+    private Long rdMaturedGlAccountId;
+
+    @Column(name = "gl_account_id")
+    private Long glAccountId;
+
+    @Column(name = "ic_charge_gl_account_id")
+    private Long icChargeGlAccountId;
+
+    @Column(name = "inoperative_gl_account_id")
+    private Long inoperativeGlAccountId;
+
+    @Column(name = "credit_balance_liability_gl_account_id")
+    private Long creditBalanceLiabilityGlAccountId;
+
+    @Column(name = "credit_balance_asset_gl_account_id")
+    private Long creditBalanceAssetGlAccountId;
+
+    @Column(name = "overdue_accounts_gl_account_id")
+    private Long overdueAccountsGlAccountId;
+
+    @Column(name = "rebate_gl_account_id")
+    private Long rebateGlAccountId;
+
+    public LoanProductCbsExt(final LoanProduct loanProduct) {
+        this.loanProduct = loanProduct;
+        this.loanProductId = loanProduct.getId();
+    }
+}
@@ -0,0 +1,20 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanProductCbsExtRepository extends JpaRepository<LoanProductCbsExt, Long> {
+
+    /**
+     * A product created before this table existed - or one saved without any legacy field filled in - has
+     * no row here, so callers must handle the empty case rather than assuming one exists.
+     */
+    Optional<LoanProductCbsExt> findByLoanProductId(Long loanProductId);
+}
@@ -0,0 +1,82 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+/**
+ * One row of the legacy "Interest Rate Detail" grid on the loan product form.
+ *
+ * The grid is a fixed four rows - Normal Debit, Normal Credit, Against Clearing and Penalty - each
+ * carrying a Normal and a Special min/max rate plus the period they apply over. It is a child table
+ * rather than twenty-four columns on {@link LoanProductCbsExt} because the interest type reads far
+ * better as data than as part of a column name: against_clearing_special_max_rate and its siblings
+ * are almost unreadable, and any new interest type would mean another migration.
+ *
+ * The rows are fixed today, so {@link #INTEREST_TYPES} is the full set and the table carries a unique
+ * constraint on (product, interest type) - a replayed save updates in place instead of doubling the
+ * grid.
+ */
+@Entity
+@Getter
+@Setter
+@NoArgsConstructor
+@Table(name = "m_product_loan_cbs_interest_rate", uniqueConstraints = {
+        @UniqueConstraint(columnNames = { "loan_product_id", "interest_type" }, name = "mplcir_unq_product_interest_type") })
+public class LoanProductCbsInterestRate extends AbstractPersistableCustom<Long> {
+
+    /** The grid's rows, in the order the form shows them. */
+    public static final String[] INTEREST_TYPES = { "Normal Debit", "Normal Credit", "Against Clearing", "Penalty" };
+
+    @ManyToOne(fetch = FetchType.LAZY, optional = false)
+    @JoinColumn(name = "loan_product_id", nullable = false)
+    private LoanProduct loanProduct;
+
+    @Column(name = "interest_type", nullable = false, length = 30)
+    private String interestType;
+
+    @Column(name = "calculation")
+    private Boolean calculation;
+
+    @Column(name = "normal_min_rate", precision = 9, scale = 6)
+    private BigDecimal normalMinRate;
+
+    @Column(name = "normal_max_rate", precision = 9, scale = 6)
+    private BigDecimal normalMaxRate;
+
+    @Column(name = "special_min_rate", precision = 9, scale = 6)
+    private BigDecimal specialMinRate;
+
+    @Column(name = "special_max_rate", precision = 9, scale = 6)
+    private BigDecimal specialMaxRate;
+
+    @Column(name = "period", length = 20)
+    private String period;
+
+    public LoanProductCbsInterestRate(final LoanProduct loanProduct, final String interestType) {
+        this.loanProduct = loanProduct;
+        this.interestType = interestType;
+    }
+
+    /** True when the officer left this row untouched, so it need not be persisted. */
+    public boolean isEmpty() {
+        return !Boolean.TRUE.equals(this.calculation) && this.normalMinRate == null && this.normalMaxRate == null
+                && this.specialMinRate == null && this.specialMaxRate == null && (this.period == null || this.period.isBlank());
+    }
+}
@@ -0,0 +1,18 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanProductCbsInterestRateRepository extends JpaRepository<LoanProductCbsInterestRate, Long> {
+
+    List<LoanProductCbsInterestRate> findByLoanProductIdOrderById(Long loanProductId);
+
+    LoanProductCbsInterestRate findByLoanProductIdAndInterestType(Long loanProductId, String interestType);
+}