diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java
index 1bf5ec1a8..cc7ddb800 100755
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/Loan.java
@@ -4800,7 +4800,9 @@ public class Loan extends AbstractPersistable<Long> {
         Collection<LoanDisbursementDetails> loanDisburseDetails = this.getDisbursementDetails();
         BigDecimal setPrincipalAmount = BigDecimal.ZERO;
         for (LoanDisbursementDetails details : loanDisburseDetails) {
-            setPrincipalAmount = setPrincipalAmount.add(details.principal());
+            if (details.actualDisbursementDate() != null) {
+                setPrincipalAmount = setPrincipalAmount.add(details.principal());
+            }
         }
 
         this.loanRepaymentScheduleDetail.setPrincipal(setPrincipalAmount);