FINERACT-2090: restructure loan disbursements

more refactors

fineract-provider/src/main/java/org/apache/fineract/cob/loan/CheckLoanRepaymentDueBusinessStep.java

@@ -80,7 +80,7 @@ public class CheckLoanRepaymentDueBusinessStep implements LoanCOBBusinessStep {
             LoanRepaymentScheduleInstallment repaymentScheduleInstallment, LocalDate repaymentDate, List<LoanStatus> nonDisbursedStatuses) {
         return repaymentDate.minusDays(numberOfDaysBeforeDueDateToRaiseEvent).equals(currentDate)
                 && !nonDisbursedStatuses.contains(loan.getStatus())
-                && loan.getLoanSummary().getTotalOutstanding().compareTo(BigDecimal.ZERO) > 0
+                && loan.getSummary().getTotalOutstanding().compareTo(BigDecimal.ZERO) > 0
                 && repaymentScheduleInstallment.getTotalOutstanding(loan.getCurrency()).isGreaterThanZero();
     }
 }

fineract-provider/src/main/java/org/apache/fineract/cob/loan/CheckLoanRepaymentOverdueBusinessStep.java

@@ -45,8 +45,7 @@ public class CheckLoanRepaymentOverdueBusinessStep implements LoanCOBBusinessSte
     public Loan execute(Loan loan) {
         List<LoanStatus> nonDisbursedStatuses = Arrays.asList(LoanStatus.INVALID, LoanStatus.SUBMITTED_AND_PENDING_APPROVAL,
                 LoanStatus.APPROVED);
-        if (!nonDisbursedStatuses.contains(loan.getStatus())
-                && loan.getLoanSummary().getTotalOutstanding().compareTo(BigDecimal.ZERO) > 0) {
+        if (!nonDisbursedStatuses.contains(loan.getStatus()) && loan.getSummary().getTotalOutstanding().compareTo(BigDecimal.ZERO) > 0) {
             log.debug("start processing loan repayment overdue business step for loan with Id [{}]", loan.getId());
             Long numberOfDaysAfterDueDateToRaiseEvent = configurationDomainService.retrieveRepaymentOverdueDays();
             if (loan.getLoanProduct().getOverDueDaysForRepaymentEvent() != null) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/service/LoanScheduleCalculationPlatformServiceImpl.java

@@ -97,8 +97,8 @@ public class LoanScheduleCalculationPlatformServiceImpl implements LoanScheduleC
 
         if (loan.loanProduct().isMultiDisburseLoan()) {
             BigDecimal disbursedAmount = loan.getDisbursedAmount();
-            BigDecimal principalRepaid = loan.getLoanSummary().getTotalPrincipalRepaid();
-            BigDecimal principalWrittenOff = loan.getLoanSummary().getTotalPrincipalWrittenOff();
+            BigDecimal principalRepaid = loan.getSummary().getTotalPrincipalRepaid();
+            BigDecimal principalWrittenOff = loan.getSummary().getTotalPrincipalWrittenOff();
             if (disbursedAmount.subtract(principalWrittenOff).subtract(principalRepaid).compareTo(BigDecimal.ZERO) <= 0) {
                 return;
             }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/serialization/LoanTransactionValidator.java

@@ -38,11 +38,15 @@ import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.data.ApiParameterError;
 import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.infrastructure.core.exception.InvalidJsonException;
 import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
 import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
 import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.dataqueries.data.EntityTables;
+import org.apache.fineract.infrastructure.dataqueries.data.StatusEnum;
+import org.apache.fineract.infrastructure.dataqueries.service.EntityDatatableChecksWritePlatformService;
 import org.apache.fineract.organisation.holiday.domain.Holiday;
 import org.apache.fineract.organisation.holiday.service.HolidayUtil;
 import org.apache.fineract.organisation.monetary.domain.ApplicationCurrency;
@@ -52,26 +56,35 @@ import org.apache.fineract.organisation.monetary.exception.CurrencyNotFoundExcep
 import org.apache.fineract.organisation.workingdays.domain.WorkingDays;
 import org.apache.fineract.organisation.workingdays.service.WorkingDaysUtil;
 import org.apache.fineract.portfolio.calendar.domain.Calendar;
+import org.apache.fineract.portfolio.calendar.domain.CalendarEntityType;
 import org.apache.fineract.portfolio.calendar.domain.CalendarInstance;
+import org.apache.fineract.portfolio.calendar.domain.CalendarInstanceRepository;
 import org.apache.fineract.portfolio.calendar.exception.NotValidRecurringDateException;
 import org.apache.fineract.portfolio.calendar.service.CalendarUtils;
 import org.apache.fineract.portfolio.client.domain.Client;
 import org.apache.fineract.portfolio.client.exception.ClientNotActiveException;
+import org.apache.fineract.portfolio.collateralmanagement.exception.LoanCollateralAmountNotSufficientException;
 import org.apache.fineract.portfolio.group.domain.Group;
 import org.apache.fineract.portfolio.group.exception.GroupNotActiveException;
 import org.apache.fineract.portfolio.loanaccount.api.LoanApiConstants;
 import org.apache.fineract.portfolio.loanaccount.data.HolidayDetailDTO;
+import org.apache.fineract.portfolio.loanaccount.data.ScheduleGeneratorDTO;
 import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanCollateralManagement;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanDisbursementDetails;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanRepository;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.exception.DateMismatchException;
 import org.apache.fineract.portfolio.loanaccount.exception.InvalidLoanStateTransitionException;
 import org.apache.fineract.portfolio.loanaccount.exception.LoanApplicationDateException;
 import org.apache.fineract.portfolio.loanaccount.exception.LoanChargeRefundException;
 import org.apache.fineract.portfolio.loanaccount.exception.LoanNotFoundException;
 import org.apache.fineract.portfolio.loanaccount.exception.LoanRepaymentScheduleNotFoundException;
 import org.apache.fineract.portfolio.loanaccount.service.LoanUtilService;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
+import org.jetbrains.annotations.NotNull;
 import org.springframework.stereotype.Component;
 
 @Component
@@ -81,8 +94,11 @@ public final class LoanTransactionValidator {
     private final FromJsonHelper fromApiJsonHelper;
     private final LoanApplicationValidator fromApiJsonDeserializer;
     private final LoanRepository loanRepository;
+    private final LoanRepositoryWrapper loanRepositoryWrapper;
     private final ApplicationCurrencyRepository applicationCurrencyRepository;
     private final LoanUtilService loanUtilService;
+    private final EntityDatatableChecksWritePlatformService entityDatatableChecksWritePlatformService;
+    private final CalendarInstanceRepository calendarInstanceRepository;
 
     private void throwExceptionIfValidationWarningsExist(final List<ApiParameterError> dataValidationErrors) {
         if (!dataValidationErrors.isEmpty()) {
@@ -91,13 +107,129 @@ public final class LoanTransactionValidator {
         }
     }
 
-    public void validateDisbursement(final String json, boolean isAccountTransfer) {
-
+    public void validateDisbursement(JsonCommand command, boolean isAccountTransfer, Long loanId) {
+        String json = command.json();
         if (StringUtils.isBlank(json)) {
             throw new InvalidJsonException();
         }
 
-        Set<String> disbursementParameters = null;
+        final Type typeOfMap = new TypeToken<Map<String, Object>>() {}.getType();
+        this.fromApiJsonHelper.checkForUnsupportedParameters(typeOfMap, json, getDisbursementParameters(isAccountTransfer));
+
+        LoanApplicationValidator.validateOrThrow("loan.disbursement", baseDataValidator -> {
+            final JsonElement element = this.fromApiJsonHelper.parse(json);
+            final LocalDate actualDisbursementDate = this.fromApiJsonHelper.extractLocalDateNamed("actualDisbursementDate", element);
+            baseDataValidator.reset().parameter("actualDisbursementDate").value(actualDisbursementDate).notNull();
+
+            final String note = this.fromApiJsonHelper.extractStringNamed("note", element);
+            baseDataValidator.reset().parameter("note").value(note).notExceedingLengthOf(1000);
+
+            final BigDecimal principal = this.fromApiJsonHelper
+                    .extractBigDecimalWithLocaleNamed(LoanApiConstants.principalDisbursedParameterName, element);
+            baseDataValidator.reset().parameter(LoanApiConstants.principalDisbursedParameterName).value(principal).ignoreIfNull()
+                    .positiveAmount();
+
+            final BigDecimal netDisbursalAmount = this.fromApiJsonHelper
+                    .extractBigDecimalWithLocaleNamed(LoanApiConstants.disbursementNetDisbursalAmountParameterName, element);
+            baseDataValidator.reset().parameter(LoanApiConstants.disbursementNetDisbursalAmountParameterName).value(netDisbursalAmount)
+                    .ignoreIfNull().positiveAmount();
+
+            final BigDecimal emiAmount = this.fromApiJsonHelper
+                    .extractBigDecimalWithLocaleNamed(LoanApiConstants.fixedEmiAmountParameterName, element);
+            baseDataValidator.reset().parameter(LoanApiConstants.fixedEmiAmountParameterName).value(emiAmount).ignoreIfNull()
+                    .positiveAmount().notGreaterThanMax(principal);
+
+            validatePaymentDetails(baseDataValidator, element);
+
+            if (command.parameterExists("postDatedChecks")) {
+                this.validateDisbursementWithPostDatedChecks(command.json(), loanId);
+            }
+
+            final Loan loan = this.loanRepositoryWrapper.findOneWithNotFoundDetection(loanId, true);
+            validateLoanClientIsActive(loan);
+            validateLoanGroupIsActive(loan);
+
+            if (loan.isChargedOff() && DateUtils.isBefore(actualDisbursementDate, loan.getChargedOffOnDate())) {
+                throw new GeneralPlatformDomainRuleException("error.msg.transaction.date.cannot.be.earlier.than.charge.off.date", "Loan: "
+                        + loan.getId()
+                        + " backdated transaction is not allowed. Transaction date cannot be earlier than the charge-off date of the loan",
+                        loan.getId());
+            }
+
+            boolean isSingleDisburseLoan = !loan.getLoanProduct().isMultiDisburseLoan();
+            boolean isSingleDisburseNotApprovedOrDisbursedAlready = isSingleDisburseLoan && !(loan.isApproved() && loan.isNotDisbursed());
+            boolean isMultiDisburseLoanAndAllTranchesDisbursed = loan.getLoanProduct().isMultiDisburseLoan()
+                    && !loan.isAllTranchesNotDisbursed();
+            if (isSingleDisburseNotApprovedOrDisbursedAlready || isMultiDisburseLoanAndAllTranchesDisbursed) {
+                final String defaultUserMessage = "Loan Disbursal is not allowed. Loan Account is not in approved and not disbursed state.";
+                final ApiParameterError error = ApiParameterError
+                        .generalError("error.msg.loan.disbursal.account.is.not.approve.not.disbursed.state", defaultUserMessage);
+                baseDataValidator.getDataValidationErrors().add(error);
+            }
+
+            final BigDecimal disbursedAmount = loan.getDisbursedAmount();
+            final Set<LoanCollateralManagement> loanCollateralManagements = loan.getLoanCollateralManagements();
+
+            if ((loanCollateralManagements != null && !loanCollateralManagements.isEmpty()) && loan.getLoanType().isIndividualAccount()) {
+                BigDecimal totalCollateral = collectTotalCollateral(loanCollateralManagements);
+
+                // Validate the loan collateral value against the disbursedAmount
+                if (disbursedAmount.compareTo(totalCollateral) > 0) {
+                    throw new LoanCollateralAmountNotSufficientException(disbursedAmount);
+                }
+            }
+
+            // validate ActualDisbursement Date Against Expected Disbursement Date
+            LoanProduct loanProduct = loan.loanProduct();
+            if (loanProduct.isSyncExpectedWithDisbursementDate()) {
+                if (!loan.getExpectedDisbursedOnLocalDate().equals(actualDisbursementDate)) {
+                    throw new DateMismatchException(actualDisbursementDate, loan.getExpectedDisbursedOnLocalDate());
+                }
+            }
+
+            entityDatatableChecksWritePlatformService.runTheCheckForProduct(loan.getId(), EntityTables.LOAN.getName(),
+                    StatusEnum.DISBURSE.getValue(), EntityTables.LOAN.getForeignKeyColumnNameOnDatatable(), loan.productId());
+
+            ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null);
+            final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
+                    CalendarEntityType.LOANS.getValue());
+            if (loan.isSyncDisbursementWithMeeting()) {
+                validateDisbursementDateWithMeetingDate(actualDisbursementDate, calendarInstance,
+                        scheduleGeneratorDTO.isSkipRepaymentOnFirstDayofMonth(), scheduleGeneratorDTO.getNumberOfdays());
+            }
+
+            // validate if disbursement date is a holiday or a non-working day
+            HolidayDetailDTO holidayDetailDTO = scheduleGeneratorDTO.getHolidayDetailDTO();
+            if (!holidayDetailDTO.isAllowTransactionsOnNonWorkingDay()
+                    && !WorkingDaysUtil.isWorkingDay(holidayDetailDTO.getWorkingDays(), loan.getDisbursementDate())) {
+                final String errorMessage = "Expected disbursement date cannot be on a non working day";
+                throw new LoanApplicationDateException("disbursement.date.on.non.working.day", errorMessage,
+                        loan.getExpectedDisbursedOnLocalDate());
+            }
+            if (!holidayDetailDTO.isAllowTransactionsOnHoliday()
+                    && HolidayUtil.isHoliday(loan.getDisbursementDate(), holidayDetailDTO.getHolidays())) {
+                final String errorMessage = "Expected disbursement date cannot be on a holiday";
+                throw new LoanApplicationDateException("disbursement.date.on.holiday", errorMessage,
+                        loan.getExpectedDisbursedOnLocalDate());
+            }
+
+        });
+    }
+
+    private static @NotNull BigDecimal collectTotalCollateral(Set<LoanCollateralManagement> loanCollateralManagements) {
+        BigDecimal totalCollateral = BigDecimal.ZERO;
+
+        for (LoanCollateralManagement loanCollateralManagement : loanCollateralManagements) {
+            BigDecimal quantity = loanCollateralManagement.getQuantity();
+            BigDecimal pctToBase = loanCollateralManagement.getClientCollateralManagement().getCollaterals().getPctToBase();
+            BigDecimal basePrice = loanCollateralManagement.getClientCollateralManagement().getCollaterals().getBasePrice();
+            totalCollateral = totalCollateral.add(quantity.multiply(basePrice).multiply(pctToBase).divide(BigDecimal.valueOf(100)));
+        }
+        return totalCollateral;
+    }
+
+    private static @NotNull Set<String> getDisbursementParameters(boolean isAccountTransfer) {
+        Set<String> disbursementParameters;
 
         if (isAccountTransfer) {
             disbursementParameters = new HashSet<>(Arrays.asList("actualDisbursementDate", "externalId", "note", "locale", "dateFormat",
@@ -109,38 +241,7 @@ public final class LoanTransactionValidator {
                     LoanApiConstants.principalDisbursedParameterName, LoanApiConstants.fixedEmiAmountParameterName,
                     LoanApiConstants.postDatedChecks, LoanApiConstants.disbursementNetDisbursalAmountParameterName));
         }
-
-        final Type typeOfMap = new TypeToken<Map<String, Object>>() {}.getType();
-        this.fromApiJsonHelper.checkForUnsupportedParameters(typeOfMap, json, disbursementParameters);
-
-        final List<ApiParameterError> dataValidationErrors = new ArrayList<>();
-        final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors).resource("loan.disbursement");
-
-        final JsonElement element = this.fromApiJsonHelper.parse(json);
-        final LocalDate actualDisbursementDate = this.fromApiJsonHelper.extractLocalDateNamed("actualDisbursementDate", element);
-        baseDataValidator.reset().parameter("actualDisbursementDate").value(actualDisbursementDate).notNull();
-
-        final String note = this.fromApiJsonHelper.extractStringNamed("note", element);
-        baseDataValidator.reset().parameter("note").value(note).notExceedingLengthOf(1000);
-
-        final BigDecimal principal = this.fromApiJsonHelper
-                .extractBigDecimalWithLocaleNamed(LoanApiConstants.principalDisbursedParameterName, element);
-        baseDataValidator.reset().parameter(LoanApiConstants.principalDisbursedParameterName).value(principal).ignoreIfNull()
-                .positiveAmount();
-
-        final BigDecimal netDisbursalAmount = this.fromApiJsonHelper
-                .extractBigDecimalWithLocaleNamed(LoanApiConstants.disbursementNetDisbursalAmountParameterName, element);
-        baseDataValidator.reset().parameter(LoanApiConstants.disbursementNetDisbursalAmountParameterName).value(netDisbursalAmount)
-                .ignoreIfNull().positiveAmount();
-
-        final BigDecimal emiAmount = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(LoanApiConstants.fixedEmiAmountParameterName,
-                element);
-        baseDataValidator.reset().parameter(LoanApiConstants.fixedEmiAmountParameterName).value(emiAmount).ignoreIfNull().positiveAmount()
-                .notGreaterThanMax(principal);
-
-        validatePaymentDetails(baseDataValidator, element);
-
-        throwExceptionIfValidationWarningsExist(dataValidationErrors);
+        return disbursementParameters;
     }
 
     public void validateDisbursementWithPostDatedChecks(final String json, final Long loanId) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java

@@ -46,6 +46,7 @@ import org.apache.fineract.cob.service.LoanAccountLockService;
 import org.apache.fineract.infrastructure.codes.domain.CodeValue;
 import org.apache.fineract.infrastructure.codes.domain.CodeValueRepositoryWrapper;
 import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
+import org.apache.fineract.infrastructure.configuration.service.TemporaryConfigurationServiceContainer;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.data.ApiParameterError;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
@@ -135,7 +136,6 @@ import org.apache.fineract.portfolio.calendar.exception.CalendarParameterUpdateN
 import org.apache.fineract.portfolio.client.domain.Client;
 import org.apache.fineract.portfolio.client.exception.ClientNotActiveException;
 import org.apache.fineract.portfolio.collateralmanagement.domain.ClientCollateralManagement;
-import org.apache.fineract.portfolio.collateralmanagement.exception.LoanCollateralAmountNotSufficientException;
 import org.apache.fineract.portfolio.collectionsheet.command.CollectionSheetBulkDisbursalCommand;
 import org.apache.fineract.portfolio.collectionsheet.command.CollectionSheetBulkRepaymentCommand;
 import org.apache.fineract.portfolio.collectionsheet.command.SingleDisbursalCommand;
@@ -164,6 +164,8 @@ import org.apache.fineract.portfolio.loanaccount.domain.LoanRepositoryWrapper;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanStatus;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanSubStatus;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanSummaryWrapper;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTermVariationType;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTermVariations;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelation;
 import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionRelationRepository;
@@ -194,6 +196,7 @@ import org.apache.fineract.portfolio.loanaccount.serialization.LoanTransactionVa
 import org.apache.fineract.portfolio.loanaccount.serialization.LoanUpdateCommandFromApiJsonDeserializer;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
 import org.apache.fineract.portfolio.loanproduct.exception.LinkedAccountRequiredException;
+import org.apache.fineract.portfolio.loanproduct.service.LoanEnumerations;
 import org.apache.fineract.portfolio.note.domain.Note;
 import org.apache.fineract.portfolio.note.domain.NoteRepository;
 import org.apache.fineract.portfolio.paymentdetail.domain.PaymentDetail;
@@ -213,6 +216,7 @@ import org.springframework.transaction.annotation.Transactional;
 @RequiredArgsConstructor
 public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatformService {
 
+    private final LoanRepaymentScheduleTransactionProcessorFactory transactionProcessorFactory;
     private final PlatformSecurityContext context;
     private final LoanTransactionValidator loanTransactionValidator;
     private final LoanUpdateCommandFromApiJsonDeserializer loanUpdateCommandFromApiJsonDeserializer;
@@ -251,7 +255,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     private final RepaymentWithPostDatedChecksAssembler repaymentWithPostDatedChecksAssembler;
     private final PostDatedChecksRepository postDatedChecksRepository;
     private final LoanRepaymentScheduleInstallmentRepository loanRepaymentScheduleInstallmentRepository;
-    private final LoanLifecycleStateMachine defaultLoanLifecycleStateMachine;
+    private final LoanLifecycleStateMachine loanLifecycleStateMachine;
     private final LoanAccountLockService loanAccountLockService;
     private final ExternalIdFactory externalIdFactory;
     private final ReplayedTransactionBusinessEventService replayedTransactionBusinessEventService;
@@ -294,28 +298,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     @Override
     public CommandProcessingResult disburseLoan(final Long loanId, final JsonCommand command, Boolean isAccountTransfer,
             Boolean isWithoutAutoPayment) {
+        loanTransactionValidator.validateDisbursement(command, isAccountTransfer, loanId);
 
-        final AppUser currentUser = getAppUserIfPresent();
-
-        this.loanTransactionValidator.validateDisbursement(command.json(), isAccountTransfer);
-
-        if (command.parameterExists("postDatedChecks")) {
-            // validate with post dated checks for the disbursement
-            this.loanTransactionValidator.validateDisbursementWithPostDatedChecks(command.json(), loanId);
-        }
-
-        Loan loan = this.loanAssembler.assembleFrom(loanId);
-        // Fail fast if client/group is not active or actual loan status disallows disbursal
-        checkClientOrGroupActive(loan);
-
-        final LocalDate actualDisbursementDate = command.localDateValueOfParameterNamed("actualDisbursementDate");
-
-        if (loan.isChargedOff() && DateUtils.isBefore(actualDisbursementDate, loan.getChargedOffOnDate())) {
-            throw new GeneralPlatformDomainRuleException("error.msg.transaction.date.cannot.be.earlier.than.charge.off.date", "Loan: "
-                    + loanId
-                    + " backdated transaction is not allowed. Transaction date cannot be earlier than the charge-off date of the loan",
-                    loanId);
-        }
+        Loan loan = loanAssembler.assembleFrom(loanId);
 
         if (loan.loanProduct().isDisallowExpectedDisbursements()) {
             List<LoanDisbursementDetails> filteredList = loan.getDisbursementDetails().stream()
@@ -323,8 +308,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             // Check whether a new LoanDisbursementDetails is required
             if (filteredList.isEmpty()) {
                 // create artificial 'tranche/expected disbursal' as current disburse code expects it for
-                // multi-disbursal
-                // products
+                // multi-disbursal products
                 final LocalDate artificialExpectedDate = loan.getExpectedDisbursedOnLocalDate();
                 LoanDisbursementDetails disbursementDetail = new LoanDisbursementDetails(artificialExpectedDate, null,
                         loan.getDisbursedAmount(), null, false);
@@ -332,61 +316,23 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 loan.getAllDisbursementDetails().add(disbursementDetail);
             }
         }
-        loan.validateAccountStatus(LoanEvent.LOAN_DISBURSED);
-
-        // Get disbursedAmount
-        final BigDecimal disbursedAmount = loan.getDisbursedAmount();
-        final Set<LoanCollateralManagement> loanCollateralManagements = loan.getLoanCollateralManagements();
-
-        // Get relevant loan collateral modules
-        if ((loanCollateralManagements != null && !loanCollateralManagements.isEmpty()) && loan.getLoanType().isIndividualAccount()) {
-
-            BigDecimal totalCollateral = BigDecimal.valueOf(0);
-
-            for (LoanCollateralManagement loanCollateralManagement : loanCollateralManagements) {
-                BigDecimal quantity = loanCollateralManagement.getQuantity();
-                BigDecimal pctToBase = loanCollateralManagement.getClientCollateralManagement().getCollaterals().getPctToBase();
-                BigDecimal basePrice = loanCollateralManagement.getClientCollateralManagement().getCollaterals().getBasePrice();
-                totalCollateral = totalCollateral.add(quantity.multiply(basePrice).multiply(pctToBase).divide(BigDecimal.valueOf(100)));
-            }
-
-            // Validate the loan collateral value against the disbursedAmount
-            if (disbursedAmount.compareTo(totalCollateral) > 0) {
-                throw new LoanCollateralAmountNotSufficientException(disbursedAmount);
-            }
-        }
-
-        // validate ActualDisbursement Date Against Expected Disbursement Date
-        LoanProduct loanProduct = loan.loanProduct();
-        if (loanProduct.isSyncExpectedWithDisbursementDate()) {
-            syncExpectedDateWithActualDisbursementDate(loan, actualDisbursementDate);
-        }
 
         final LocalDate nextPossibleRepaymentDate = loan.getNextPossibleRepaymentDateForRescheduling();
         final LocalDate rescheduledRepaymentDate = command.localDateValueOfParameterNamed("adjustRepaymentDate");
-
-        entityDatatableChecksWritePlatformService.runTheCheckForProduct(loanId, EntityTables.LOAN.getName(), StatusEnum.DISBURSE.getValue(),
-                EntityTables.LOAN.getForeignKeyColumnNameOnDatatable(), loan.productId());
-
-        LocalDate recalculateFrom = null;
+        final LocalDate actualDisbursementDate = command.localDateValueOfParameterNamed("actualDisbursementDate");
         if (!loan.isMultiDisburmentLoan()) {
             loan.setActualDisbursementDate(actualDisbursementDate);
         }
-        ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
 
         // validate actual disbursement date against meeting date
-        final CalendarInstance calendarInstance = this.calendarInstanceRepository.findCalendarInstaneByEntityId(loan.getId(),
-                CalendarEntityType.LOANS.getValue());
-        if (loan.isSyncDisbursementWithMeeting()) {
-            this.loanTransactionValidator.validateDisbursementDateWithMeetingDate(actualDisbursementDate, calendarInstance,
-                    scheduleGeneratorDTO.isSkipRepaymentOnFirstDayofMonth(), scheduleGeneratorDTO.getNumberOfdays());
-        }
+        ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, null);
 
         businessEventNotifierService.notifyPreBusinessEvent(new LoanDisbursalBusinessEvent(loan));
 
         final List<Long> existingTransactionIds = new ArrayList<>();
         final List<Long> existingReversedTransactionIds = new ArrayList<>();
 
+        final AppUser currentUser = getAppUserIfPresent();
         final Map<String, Object> changes = new LinkedHashMap<>();
 
         final PaymentDetail paymentDetail = this.paymentDetailWritePlatformService.createAndPersistPaymentDetail(command, changes);
@@ -400,12 +346,10 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         // Recalculate first repayment date based in actual disbursement date.
         updateLoanCounters(loan, actualDisbursementDate);
         Money amountBeforeAdjust = loan.getPrincipal();
-        boolean canDisburse = loan.canDisburse(actualDisbursementDate);
-        ChangedTransactionDetail changedTransactionDetail = null;
         final Locale locale = command.extractLocale();
         final DateTimeFormatter fmt = DateTimeFormatter.ofPattern(command.dateFormat()).withLocale(locale);
-        if (canDisburse) {
 
+        if (loan.canDisburse(actualDisbursementDate)) {
             // Get netDisbursalAmount from disbursal screen field.
             final BigDecimal netDisbursalAmount = command
                     .bigDecimalValueOfParameterNamed(LoanApiConstants.disbursementNetDisbursalAmountParameterName);
@@ -441,9 +385,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 }
 
                 amountToDisburse = disburseAmount.minus(loanOutstanding);
-
                 disburseLoanToLoan(loan, command, loanOutstanding);
             }
+
             LoanTransaction disbursementTransaction = null;
             if (isAccountTransfer) {
                 disburseLoanToSavings(loan, command, amountToDisburse, paymentDetail);
@@ -463,17 +407,15 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                  */
                 recalculateSchedule = true;
             }
+
             regenerateScheduleOnDisbursement(command, loan, recalculateSchedule, scheduleGeneratorDTO, nextPossibleRepaymentDate,
                     rescheduledRepaymentDate);
             boolean downPaymentEnabled = loan.repaymentScheduleDetail().isEnableDownPayment();
             if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || downPaymentEnabled) {
                 createAndSaveLoanScheduleArchive(loan, scheduleGeneratorDTO);
             }
-            if (isPaymentTypeApplicableForDisbursementCharge) {
-                changedTransactionDetail = loan.disburse(currentUser, command, changes, scheduleGeneratorDTO, paymentDetail);
-            } else {
-                changedTransactionDetail = loan.disburse(currentUser, command, changes, scheduleGeneratorDTO, null);
-            }
+            ChangedTransactionDetail changedTransactionDetail = disburseLoan(command, isPaymentTypeApplicableForDisbursementCharge,
+                    paymentDetail, loan, currentUser, changes, scheduleGeneratorDTO);
             loan.adjustNetDisbursalAmount(amountToDisburse.getAmount());
 
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
@@ -612,6 +554,69 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 .build();
     }
 
+    private ChangedTransactionDetail disburseLoan(JsonCommand command, boolean isPaymentTypeApplicableForDisbursementCharge,
+            PaymentDetail paymentDetail, Loan loan, AppUser currentUser, Map<String, Object> changes,
+            ScheduleGeneratorDTO scheduleGeneratorDTO) {
+        final PaymentDetail paymentDetail1 = isPaymentTypeApplicableForDisbursementCharge ? paymentDetail : null;
+        final LocalDate actualDisbursementDate1 = command.localDateValueOfParameterNamed(Loan.ACTUAL_DISBURSEMENT_DATE);
+
+        loan.setDisbursedBy(currentUser);
+        loan.updateLoanScheduleDependentDerivedFields();
+
+        changes.put(Loan.LOCALE, command.locale());
+        changes.put(Loan.DATE_FORMAT, command.dateFormat());
+        changes.put(Loan.ACTUAL_DISBURSEMENT_DATE, command.stringValueOfParameterNamed(Loan.ACTUAL_DISBURSEMENT_DATE));
+
+        boolean disbursementMissedParam = loan.isDisbursementMissed();
+        LocalDate firstInstallmentDueDate = loan.fetchRepaymentScheduleInstallment(1).getDueDate();
+        if ((loan.repaymentScheduleDetail().isInterestRecalculationEnabled()
+                && (DateUtils.isBeforeBusinessDate(firstInstallmentDueDate) || disbursementMissedParam))) {
+            loan.regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
+        }
+
+        loan.updateSummaryWithTotalFeeChargesDueAtDisbursement(loan.deriveSumTotalOfChargesDueAtDisbursement());
+        loan.updateLoanRepaymentPeriodsDerivedFields(actualDisbursementDate1);
+        loan.handleDisbursementTransaction(actualDisbursementDate1, paymentDetail1);
+        loan.updateLoanSummaryDerivedFields();
+        final Money interestApplied = Money.of(loan.getCurrency(), loan.getSummary().getTotalInterestCharged());
+
+        /*
+         * Add an interest applied transaction of the interest is accrued upfront (Up front accrual), no accounting or
+         * cash based accounting is selected
+         */
+        if (((loan.isMultiDisburmentLoan() && loan.getDisbursedLoanDisbursementDetails().size() == 1) || !loan.isMultiDisburmentLoan())
+                && loan.isNoneOrCashOrUpfrontAccrualAccountingEnabledOnLoanProduct()) {
+            ExternalId externalId = ExternalId.empty();
+            if (TemporaryConfigurationServiceContainer.isExternalIdAutoGenerationEnabled()) {
+                externalId = ExternalId.generate();
+            }
+            final LoanTransaction interestAppliedTransaction = LoanTransaction.accrueInterest(loan.getOffice(), loan, interestApplied,
+                    actualDisbursementDate1, externalId);
+            loan.addLoanTransaction(interestAppliedTransaction);
+        }
+
+        ChangedTransactionDetail changedTransactionDetail = null;
+        if (loan.getLoanProduct().isMultiDisburseLoan()) {
+            final List<LoanTransaction> allNonContraTransactionsPostDisbursement = loan.retrieveListOfTransactionsForReprocessing();
+            if (!allNonContraTransactionsPostDisbursement.isEmpty()) {
+                final LoanRepaymentScheduleTransactionProcessor loanRepaymentScheduleTransactionProcessor = transactionProcessorFactory
+                        .determineProcessor(loan.getTransactionProcessingStrategyCode());
+                changedTransactionDetail = loanRepaymentScheduleTransactionProcessor.reprocessLoanTransactions(loan.getDisbursementDate(),
+                        allNonContraTransactionsPostDisbursement, loan.getCurrency(), loan.getRepaymentScheduleInstallments(),
+                        loan.getActiveCharges());
+                for (final Map.Entry<Long, LoanTransaction> mapEntry : changedTransactionDetail.getNewTransactionMappings().entrySet()) {
+                    mapEntry.getValue().updateLoan(loan);
+                }
+                loan.getLoanTransactions().addAll(changedTransactionDetail.getNewTransactionMappings().values());
+            }
+            loan.updateLoanSummaryDerivedFields();
+        }
+
+        loanLifecycleStateMachine.transition(LoanEvent.LOAN_DISBURSED, loan);
+        changes.put(Loan.PARAM_STATUS, LoanEnumerations.status(loan.getLoanStatus()));
+        return changedTransactionDetail;
+    }
+
     private void updatePostDatedChecks(Set<PostDatedChecks> postDatedChecks) {
         this.postDatedChecksRepository.saveAll(postDatedChecks);
     }
@@ -799,11 +804,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled() || downPaymentEnabled) {
                     createAndSaveLoanScheduleArchive(loan, scheduleGeneratorDTO);
                 }
-                if (configurationDomainService.isPaymentTypeApplicableForDisbursementCharge()) {
-                    changedTransactionDetail = loan.disburse(currentUser, command, changes, scheduleGeneratorDTO, paymentDetail);
-                } else {
-                    changedTransactionDetail = loan.disburse(currentUser, command, changes, scheduleGeneratorDTO, null);
-                }
+                changedTransactionDetail = disburseLoan(command, configurationDomainService.isPaymentTypeApplicableForDisbursementCharge(),
+                        paymentDetail, loan, currentUser, changes, scheduleGeneratorDTO);
 
                 loanAccrualsProcessingService.reprocessExistingAccruals(loan);
 
@@ -1132,7 +1134,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         loan.updateLoanSummaryDerivedFields();
 
-        doPostLoanTransactionChecks(loan, newInterestPaymentWaiverTransaction.getTransactionDate(), defaultLoanLifecycleStateMachine);
+        doPostLoanTransactionChecks(loan, newInterestPaymentWaiverTransaction.getTransactionDate(), loanLifecycleStateMachine);
 
         return changedTransactionDetail;
     }
@@ -1519,7 +1521,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
 
         final ChangedTransactionDetail changedTransactionDetail = loan.adjustExistingTransaction(newTransactionDetail,
-                defaultLoanLifecycleStateMachine, transactionToAdjust, existingTransactionIds, existingReversedTransactionIds,
+                loanLifecycleStateMachine, transactionToAdjust, existingTransactionIds, existingReversedTransactionIds,
                 scheduleGeneratorDTO, reversalTxnExternalId);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
@@ -1681,7 +1683,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         newTransaction = this.loanTransactionRepository.saveAndFlush(newTransaction);
 
-        loan.handleChargebackTransaction(newTransaction, defaultLoanLifecycleStateMachine);
+        loan.handleChargebackTransaction(newTransaction, loanLifecycleStateMachine);
 
         loan = saveAndFlushLoanWithDataIntegrityViolationChecks(loan);
 
@@ -1765,8 +1767,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
 
         ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
-        final ChangedTransactionDetail changedTransactionDetail = loan.waiveInterest(waiveInterestTransaction,
-                defaultLoanLifecycleStateMachine, existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
+        final ChangedTransactionDetail changedTransactionDetail = loan.waiveInterest(waiveInterestTransaction, loanLifecycleStateMachine,
+                existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
 
         if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
             loanAccrualsProcessingService.reprocessExistingAccruals(loan);
@@ -1863,7 +1865,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
 
-        final ChangedTransactionDetail changedTransactionDetail = loan.closeAsWrittenOff(command, defaultLoanLifecycleStateMachine, changes,
+        final ChangedTransactionDetail changedTransactionDetail = loan.closeAsWrittenOff(command, loanLifecycleStateMachine, changes,
                 existingTransactionIds, existingReversedTransactionIds, currentUser, scheduleGeneratorDTO);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
@@ -1937,8 +1939,8 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         }
 
         ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
-        ChangedTransactionDetail changedTransactionDetail = loan.close(command, defaultLoanLifecycleStateMachine, changes,
-                existingTransactionIds, existingReversedTransactionIds, scheduleGeneratorDTO);
+        ChangedTransactionDetail changedTransactionDetail = loan.close(command, loanLifecycleStateMachine, changes, existingTransactionIds,
+                existingReversedTransactionIds, scheduleGeneratorDTO);
 
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
         if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
@@ -2039,7 +2041,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         changes.put("locale", command.locale());
         changes.put("dateFormat", command.dateFormat());
 
-        loan.closeAsMarkedForReschedule(command, defaultLoanLifecycleStateMachine, changes);
+        loan.closeAsMarkedForReschedule(command, loanLifecycleStateMachine, changes);
 
         saveLoanWithDataIntegrityViolationChecks(loan);
 
@@ -2083,7 +2085,6 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     }
 
     private void disburseLoanToLoan(final Loan loan, final JsonCommand command, final BigDecimal amount) {
-
         final LocalDate transactionDate = command.localDateValueOfParameterNamed("actualDisbursementDate");
         final ExternalId txnExternalId = externalIdFactory.createFromCommand(command, LoanApiConstants.externalIdParameterName);
 
@@ -2098,7 +2099,6 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     }
 
     private void disburseLoanToSavings(final Loan loan, final JsonCommand command, final Money amount, final PaymentDetail paymentDetail) {
-
         final LocalDate transactionDate = command.localDateValueOfParameterNamed("actualDisbursementDate");
         final ExternalId txnExternalId = externalIdFactory.createFromCommand(command, LoanApiConstants.externalIdParameterName);
 
@@ -2118,7 +2118,6 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                 LoanTransactionType.DISBURSEMENT.getValue(), null, null, null, AccountTransferType.ACCOUNT_TRANSFER.getValue(), null, null,
                 txnExternalId, loan, null, fromSavingsAccount, isRegularTransaction, isExceptionForBalanceCheck);
         this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
-
     }
 
     @Transactional
@@ -2136,7 +2135,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         ExternalId externalId = externalIdFactory.create();
         final LoanTransaction newTransferTransaction = LoanTransaction.initiateTransfer(loan.getOffice(), loan, transferDate, externalId);
         loan.addLoanTransaction(newTransferTransaction);
-        LoanLifecycleStateMachine loanLifecycleStateMachine = defaultLoanLifecycleStateMachine;
+        LoanLifecycleStateMachine loanLifecycleStateMachine = this.loanLifecycleStateMachine;
         loanLifecycleStateMachine.transition(LoanEvent.LOAN_INITIATE_TRANSFER, loan);
 
         this.loanTransactionRepository.saveAndFlush(newTransferTransaction);
@@ -2159,7 +2158,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final LoanTransaction newTransferAcceptanceTransaction = LoanTransaction.approveTransfer(acceptedInOffice, loan, transferDate,
                 externalId);
         loan.addLoanTransaction(newTransferAcceptanceTransaction);
-        LoanLifecycleStateMachine loanLifecycleStateMachine = defaultLoanLifecycleStateMachine;
+        LoanLifecycleStateMachine loanLifecycleStateMachine = this.loanLifecycleStateMachine;
         if (loan.getTotalOverpaid() != null) {
             loanLifecycleStateMachine.transition(LoanEvent.LOAN_OVERPAYMENT, loan);
         } else {
@@ -2192,7 +2191,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
         final LoanTransaction newTransferAcceptanceTransaction = LoanTransaction.withdrawTransfer(loan.getOffice(), loan, transferDate,
                 externalId);
         loan.addLoanTransaction(newTransferAcceptanceTransaction);
-        LoanLifecycleStateMachine loanLifecycleStateMachine = defaultLoanLifecycleStateMachine;
+        LoanLifecycleStateMachine loanLifecycleStateMachine = this.loanLifecycleStateMachine;
         loanLifecycleStateMachine.transition(LoanEvent.LOAN_WITHDRAW_TRANSFER, loan);
 
         this.loanTransactionRepository.saveAndFlush(newTransferAcceptanceTransaction);
@@ -2209,7 +2208,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
     public void rejectLoanTransfer(final Loan loan) {
         this.loanAssembler.setHelpers(loan);
         businessEventNotifierService.notifyPreBusinessEvent(new LoanRejectTransferBusinessEvent(loan));
-        LoanLifecycleStateMachine loanLifecycleStateMachine = defaultLoanLifecycleStateMachine;
+        LoanLifecycleStateMachine loanLifecycleStateMachine = this.loanLifecycleStateMachine;
         loanLifecycleStateMachine.transition(LoanEvent.LOAN_REJECT_TRANSFER, loan);
         saveLoanWithDataIntegrityViolationChecks(loan);
         businessEventNotifierService.notifyPostBusinessEvent(new LoanRejectTransferBusinessEvent(loan));
@@ -2610,7 +2609,7 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
 
         ScheduleGeneratorDTO scheduleGeneratorDTO = this.loanUtilService.buildScheduleGeneratorDTO(loan, recalculateFrom);
 
-        ChangedTransactionDetail changedTransactionDetail = loan.undoWrittenOff(defaultLoanLifecycleStateMachine, existingTransactionIds,
+        ChangedTransactionDetail changedTransactionDetail = loan.undoWrittenOff(loanLifecycleStateMachine, existingTransactionIds,
                 existingReversedTransactionIds, scheduleGeneratorDTO);
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
         if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {
@@ -2885,8 +2884,44 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
             final LocalDate rescheduledRepaymentDate) {
         final LocalDate actualDisbursementDate = command.localDateValueOfParameterNamed("actualDisbursementDate");
         BigDecimal emiAmount = command.bigDecimalValueOfParameterNamed(LoanApiConstants.fixedEmiAmountParameterName);
-        loan.regenerateScheduleOnDisbursement(scheduleGeneratorDTO, recalculateSchedule, actualDisbursementDate, emiAmount,
-                nextPossibleRepaymentDate, rescheduledRepaymentDate);
+
+        boolean isEmiAmountChanged = false;
+        LoanProduct loanProduct = loan.getLoanProduct();
+        if ((loanProduct.isMultiDisburseLoan() || loanProduct.isCanDefineInstallmentAmount()) && emiAmount != null
+                && emiAmount.compareTo(loan.retriveLastEmiAmount()) != 0) {
+            if (loanProduct.isMultiDisburseLoan()) {
+                final LocalDate dateValue = null;
+                final boolean isSpecificToInstallment = false;
+                final Boolean isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled = scheduleGeneratorDTO
+                        .isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled();
+                LocalDate effectiveDateFrom = actualDisbursementDate;
+                if (!isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled && actualDisbursementDate.equals(nextPossibleRepaymentDate)) {
+                    effectiveDateFrom = nextPossibleRepaymentDate.plusDays(1);
+                }
+                LoanTermVariations loanVariationTerms = new LoanTermVariations(LoanTermVariationType.EMI_AMOUNT.getValue(),
+                        effectiveDateFrom, emiAmount, dateValue, isSpecificToInstallment, loan, LoanStatus.ACTIVE.getValue());
+                loan.getLoanTermVariations().add(loanVariationTerms);
+            } else {
+                loan.setFixedEmiAmount(emiAmount);
+            }
+            isEmiAmountChanged = true;
+        }
+        if (rescheduledRepaymentDate != null && loanProduct.isMultiDisburseLoan()) {
+            final boolean isSpecificToInstallment = false;
+            LoanTermVariations loanVariationTerms = new LoanTermVariations(LoanTermVariationType.DUE_DATE.getValue(),
+                    nextPossibleRepaymentDate, emiAmount, rescheduledRepaymentDate, isSpecificToInstallment, loan,
+                    LoanStatus.ACTIVE.getValue());
+            loan.getLoanTermVariations().add(loanVariationTerms);
+        }
+
+        if (loan.isActualDisbursedOnDateEarlierOrLaterThanExpected(actualDisbursementDate) || recalculateSchedule || isEmiAmountChanged
+                || rescheduledRepaymentDate != null) {
+            if (loan.repaymentScheduleDetail().isInterestRecalculationEnabled()) {
+                loan.regenerateRepaymentScheduleWithInterestRecalculation(scheduleGeneratorDTO);
+            } else {
+                loan.regenerateRepaymentSchedule(scheduleGeneratorDTO);
+            }
+        }
         loanAccrualsProcessingService.reprocessExistingAccruals(loan);
 
         if (loan.getLoanRepaymentScheduleDetail().isInterestRecalculationEnabled()) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountConfiguration.java

@@ -346,8 +346,8 @@ public class LoanAccountConfiguration {
 
     @Bean
     @ConditionalOnMissingBean(LoanWritePlatformService.class)
-    public LoanWritePlatformService loanWritePlatformService(PlatformSecurityContext context,
-            LoanTransactionValidator loanTransactionValidator,
+    public LoanWritePlatformService loanWritePlatformService(LoanRepaymentScheduleTransactionProcessorFactory transactionProcessorFactory,
+            PlatformSecurityContext context, LoanTransactionValidator loanTransactionValidator,
             LoanUpdateCommandFromApiJsonDeserializer loanUpdateCommandFromApiJsonDeserializer, LoanRepositoryWrapper loanRepositoryWrapper,
             LoanAccountDomainService loanAccountDomainService, NoteRepository noteRepository,
             LoanTransactionRepository loanTransactionRepository, LoanTransactionRelationRepository loanTransactionRelationRepository,
@@ -373,17 +373,18 @@ public class LoanAccountConfiguration {
             LoanAccrualTransactionBusinessEventService loanAccrualTransactionBusinessEventService, ErrorHandler errorHandler,
             LoanDownPaymentHandlerService loanDownPaymentHandlerService, AccountTransferRepository accountTransferRepository,
             LoanTransactionAssembler loanTransactionAssembler, LoanAccrualsProcessingService loanAccrualsProcessingService) {
-        return new LoanWritePlatformServiceJpaRepositoryImpl(context, loanTransactionValidator, loanUpdateCommandFromApiJsonDeserializer,
-                loanRepositoryWrapper, loanAccountDomainService, noteRepository, loanTransactionRepository,
-                loanTransactionRelationRepository, loanAssembler, journalEntryWritePlatformService, calendarInstanceRepository,
-                paymentDetailWritePlatformService, holidayRepository, configurationDomainService, workingDaysRepository,
-                accountTransfersWritePlatformService, accountTransfersReadPlatformService, accountAssociationsReadPlatformService,
-                loanReadPlatformService, fromApiJsonHelper, calendarRepository, loanScheduleHistoryWritePlatformService,
-                loanApplicationValidator, accountAssociationRepository, accountTransferDetailRepository, businessEventNotifierService,
-                guarantorDomainService, loanUtilService, loanSummaryWrapper, entityDatatableChecksWritePlatformService,
-                transactionProcessingStrategy, codeValueRepository, cashierTransactionDataValidator, glimRepository, loanRepository,
-                repaymentWithPostDatedChecksAssembler, postDatedChecksRepository, loanRepaymentScheduleInstallmentRepository,
-                defaultLoanLifecycleStateMachine, loanAccountLockService, externalIdFactory, replayedTransactionBusinessEventService,
+        return new LoanWritePlatformServiceJpaRepositoryImpl(transactionProcessorFactory, context, loanTransactionValidator,
+                loanUpdateCommandFromApiJsonDeserializer, loanRepositoryWrapper, loanAccountDomainService, noteRepository,
+                loanTransactionRepository, loanTransactionRelationRepository, loanAssembler, journalEntryWritePlatformService,
+                calendarInstanceRepository, paymentDetailWritePlatformService, holidayRepository, configurationDomainService,
+                workingDaysRepository, accountTransfersWritePlatformService, accountTransfersReadPlatformService,
+                accountAssociationsReadPlatformService, loanReadPlatformService, fromApiJsonHelper, calendarRepository,
+                loanScheduleHistoryWritePlatformService, loanApplicationValidator, accountAssociationRepository,
+                accountTransferDetailRepository, businessEventNotifierService, guarantorDomainService, loanUtilService, loanSummaryWrapper,
+                entityDatatableChecksWritePlatformService, transactionProcessingStrategy, codeValueRepository,
+                cashierTransactionDataValidator, glimRepository, loanRepository, repaymentWithPostDatedChecksAssembler,
+                postDatedChecksRepository, loanRepaymentScheduleInstallmentRepository, defaultLoanLifecycleStateMachine,
+                loanAccountLockService, externalIdFactory, replayedTransactionBusinessEventService,
                 loanAccrualTransactionBusinessEventService, errorHandler, loanDownPaymentHandlerService, accountTransferRepository,
                 loanTransactionAssembler, loanAccrualsProcessingService);
     }

fineract-provider/src/test/java/org/apache/fineract/cob/loan/CheckLoanRepaymentDueBusinessStepTest.java

@@ -95,8 +95,8 @@ public class CheckLoanRepaymentDueBusinessStepTest {
         when(loanForProcessing.getLoanProduct()).thenReturn(loanProduct);
         when(loanProduct.getDueDaysForRepaymentEvent()).thenReturn(null);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.ONE);
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.ONE);
         when(loanForProcessing.getCurrency()).thenReturn(currency);
         when(repaymentInstallment.getTotalOutstanding(currency)).thenReturn(money);
         when(money.isGreaterThanZero()).thenReturn(true);
@@ -153,8 +153,8 @@ public class CheckLoanRepaymentDueBusinessStepTest {
         // Loan Product setting overrides global settings
         when(loanProduct.getDueDaysForRepaymentEvent()).thenReturn(1);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.ONE);
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.ONE);
         when(loanForProcessing.getCurrency()).thenReturn(currency);
         when(repaymentInstallment.getTotalOutstanding(currency)).thenReturn(money);
         when(money.isGreaterThanZero()).thenReturn(true);

fineract-provider/src/test/java/org/apache/fineract/cob/loan/CheckLoanRepaymentOverdueBusinessStepTest.java

@@ -111,8 +111,8 @@ public class CheckLoanRepaymentOverdueBusinessStepTest {
         List<LoanRepaymentScheduleInstallment> loanRepaymentScheduleInstallments = Arrays.asList(repaymentInstallment);
         when(loanForProcessing.getLoanProduct()).thenReturn(loanProduct);
         when(loanProduct.getOverDueDaysForRepaymentEvent()).thenReturn(null);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
         when(loanForProcessing.getCurrency()).thenReturn(currency);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
 
@@ -138,8 +138,8 @@ public class CheckLoanRepaymentOverdueBusinessStepTest {
                         loanInstallmentRepaymentDueDateBefore5Days, BigDecimal.valueOf(0.0), BigDecimal.valueOf(0.0),
                         BigDecimal.valueOf(0.0), BigDecimal.valueOf(0.0), false, new HashSet<>(), BigDecimal.valueOf(0.0)));
         when(loanForProcessing.getLoanProduct()).thenReturn(loanProduct);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
         when(loanProduct.getOverDueDaysForRepaymentEvent()).thenReturn(null);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
         // when
@@ -166,8 +166,8 @@ public class CheckLoanRepaymentOverdueBusinessStepTest {
 
         List<LoanRepaymentScheduleInstallment> loanRepaymentScheduleInstallments = Arrays.asList(repaymentInstallmentPaidOff);
         when(loanForProcessing.getLoanProduct()).thenReturn(loanProduct);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
         when(loanProduct.getOverDueDaysForRepaymentEvent()).thenReturn(null);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
 
@@ -196,8 +196,8 @@ public class CheckLoanRepaymentOverdueBusinessStepTest {
         when(loanForProcessing.getStatus()).thenReturn(LoanStatus.ACTIVE);
         // product configuration overrides global configuration
         when(loanProduct.getOverDueDaysForRepaymentEvent()).thenReturn(1);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.valueOf(100));
         when(loanForProcessing.getCurrency()).thenReturn(currency);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
 
@@ -216,8 +216,8 @@ public class CheckLoanRepaymentOverdueBusinessStepTest {
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanSummary loanSummary = Mockito.mock(LoanSummary.class);
         when(loanForProcessing.getStatus()).thenReturn(LoanStatus.ACTIVE);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.ZERO);
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.ZERO);
         // when
         Loan processedLoan = underTest.execute(loanForProcessing);
         // then - No Business Event raised
@@ -240,8 +240,8 @@ public class CheckLoanRepaymentOverdueBusinessStepTest {
                         BigDecimal.valueOf(1.0), BigDecimal.valueOf(0.0), false, new HashSet<>(), BigDecimal.valueOf(0.0)));
         when(loanForProcessing.getLoanProduct()).thenReturn(loanProduct);
         when(loanProduct.getOverDueDaysForRepaymentEvent()).thenReturn(1);
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
-        when(loanForProcessing.getLoanSummary().getTotalOutstanding()).thenReturn(BigDecimal.ONE);
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary().getTotalOutstanding()).thenReturn(BigDecimal.ONE);
         when(loanForProcessing.getCurrency()).thenReturn(currency);
         when(loanForProcessing.getRepaymentScheduleInstallments()).thenReturn(loanRepaymentScheduleInstallments);
         // when

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

@@ -117,7 +117,7 @@ public class LoanRepaymentBusinessEventSerializerTest {
         when(loanForProcessing.getId()).thenReturn(1L);
         when(loanForProcessing.getAccountNumber()).thenReturn("0001");
         when(loanForProcessing.getExternalId()).thenReturn(ExternalIdFactory.produce("externalId"));
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
         when(loanSummary.getTotalOutstanding()).thenReturn(BigDecimal.valueOf(0.0));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
         when(loanCurrency.getCode()).thenReturn("CODE");
@@ -168,7 +168,7 @@ public class LoanRepaymentBusinessEventSerializerTest {
         when(loanForProcessing.getId()).thenReturn(null);
         when(loanForProcessing.getAccountNumber()).thenReturn("0001");
         when(loanForProcessing.getExternalId()).thenReturn(ExternalIdFactory.produce("externalId"));
-        when(loanForProcessing.getLoanSummary()).thenReturn(loanSummary);
+        when(loanForProcessing.getSummary()).thenReturn(loanSummary);
         when(loanSummary.getTotalOutstanding()).thenReturn(BigDecimal.valueOf(0.0));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
         when(loanCurrency.getCode()).thenReturn("CODE");

fineract-provider/src/test/java/org/apache/fineract/portfolio/loanaccount/domain/DefaultLoanLifecycleStateMachineTest.java

@@ -143,7 +143,7 @@ class DefaultLoanLifecycleStateMachineTest {
         Mockito.when(loan.getPlainStatus()).thenReturn(LoanStatus.OVERPAID.getValue());
         Mockito.when(loan.getStatus()).thenReturn(LoanStatus.OVERPAID);
         Mockito.when(loan.getTotalOverpaidAsMoney()).thenReturn(zero);
-        Mockito.when(loan.getLoanSummary()).thenReturn(loanSummary);
+        Mockito.when(loan.getSummary()).thenReturn(loanSummary);
         Mockito.when(loanSummary.getTotalOutstanding(eq(currency))).thenReturn(one);
         // when
         underTest.transition(LoanEvent.LOAN_DISBURSED, loan);
@@ -163,7 +163,7 @@ class DefaultLoanLifecycleStateMachineTest {
         Mockito.when(loan.getPlainStatus()).thenReturn(LoanStatus.OVERPAID.getValue());
         Mockito.when(loan.getStatus()).thenReturn(LoanStatus.OVERPAID);
         Mockito.when(loan.getTotalOverpaidAsMoney()).thenReturn(zero);
-        Mockito.when(loan.getLoanSummary()).thenReturn(loanSummary);
+        Mockito.when(loan.getSummary()).thenReturn(loanSummary);
         Mockito.when(loanSummary.getTotalOutstanding(currency)).thenReturn(zero);
         // when
         underTest.transition(LoanEvent.LOAN_DISBURSED, loan);