feat(loan-origination): priority sector classification at KYC, deposit-loan sanction without checklists, lien release

- KYC completion now requires the loan purpose, the priority sector decision (with its category) and the weaker section decision (with its type), checked on the server. - Deposit loans: no CERSAI / property / previous-loan-declaration requirement at sanction, even for an application created before its product was known to be a deposit product. - Priority sector categories and weaker section types are seeded as Codes (PrioritySectorCategory, WeakerSectionType) so they can be maintained in Admin. - DdsLienReleaseService lifts the DDS lien when the loan it secures ends. Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>
2026-10-30 15:28:28 +05:30
parent ceb8e97901
commit dfb22a1898
6 changed files with 420 additions and 24 deletions
@@ -0,0 +1,59 @@
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import jakarta.annotation.PostConstruct;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.event.business.BusinessEventListener;
+import org.apache.fineract.infrastructure.event.business.domain.loan.LoanStatusChangedBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
+import org.apache.fineract.portfolio.loanaccount.domain.Loan;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * A Daily Deposit Scheme account pledged for a loan is held with a lien whose reason names the loan
+ * ({@link #reasonFor}). The DDS module and the loan module are not connected, so nothing else would ever lift
+ * that hold: this lifts it when the loan stops being live (repaid, closed, written off, withdrawn).
+ *
+ * <p>
+ * FD and RD liens need nothing like this: they are Fineract guarantor funding, which Fineract releases itself as the
+ * loan is repaid.
+ */
+@Component
+@RequiredArgsConstructor
+@Slf4j
+public class DdsLienReleaseService {
+
+    private static final String LIEN_PREFIX = "Held for loan ";
+
+    private final BusinessEventNotifierService businessEventNotifierService;
+    private final JdbcTemplate jdbcTemplate;
+
+    /** The text written on the DDS account's lien, and what is matched when the loan ends. */
+    public static String reasonFor(final String loanAccountNo, final String applicationNo) {
+        return LIEN_PREFIX + loanAccountNo + " (" + applicationNo + ")";
+    }
+
+    @PostConstruct
+    public void addListeners() {
+        this.businessEventNotifierService.addPostBusinessEventListener(LoanStatusChangedBusinessEvent.class,
+                new ReleaseOnLoanEnd());
+    }
+
+    private final class ReleaseOnLoanEnd implements BusinessEventListener<LoanStatusChangedBusinessEvent> {
+
+        @Override
+        public void onBusinessEvent(final LoanStatusChangedBusinessEvent event) {
+            final Loan loan = event.get();
+            if (loan == null || loan.getStatus() == null || loan.getStatus().isActiveOrAwaitingApprovalOrDisbursal()) {
+                return;
+            }
+            final int released = jdbcTemplate.update(
+                    "UPDATE m_dds_party SET lien = FALSE, lien_reason = NULL WHERE lien = TRUE AND lien_reason LIKE ?",
+                    LIEN_PREFIX + loan.getAccountNumber() + " (%");
+            if (released > 0) {
+                log.info("Released the lien on {} DDS account(s) held for loan {}", released, loan.getAccountNumber());
+            }
+        }
+    }
+}
@@ -185,12 +185,43 @@ public class LoanOriginationPipelineService {
     */
    @Transactional
    public String save(final String applicationNo, final String requestBodyAsJson) {
+        final JsonObject stored = loadApplication(applicationNo);
        // Once a stage is sent for approval nothing on the application may change until it is decided or withdrawn,
        // so a full-object save is ignored and the stored application is returned as it is.
-        if (hasPendingApprovalRequest(loadApplication(applicationNo))) {
+        if (hasPendingApprovalRequest(stored)) {
            return findOneAsJson(applicationNo);
        }
-        return storeApplication(applicationNo, parseObject(requestBodyAsJson));
+        // A disbursed or rejected application is final. A screen that was opened before that happened still holds the
+        // older copy, and saving it back would undo the disbursement (and lose the link to the loan account).
+        final String storedStatus = stringOrNull(stored, "overallStatus");
+        if ("DISBURSED".equals(storedStatus) || "REJECTED".equals(storedStatus)) {
+            return findOneAsJson(applicationNo);
+        }
+        final JsonObject incoming = parseObject(requestBodyAsJson);
+        // A copy that is further back than what is stored is a stale screen: another user or a stage endpoint has moved the
+        // application on since it was opened. Its save is ignored and the stored application is returned, so the screen
+        // picks up the real state instead of overwriting it.
+        if (furthestStageOf(incoming) < furthestStageOf(stored)) {
+            return findOneAsJson(applicationNo);
+        }
+        // What only the server decides (approval decisions and requests, the loan account it was disbursed to) is never
+        // taken from the screen's copy.
+        for (final String key : SERVER_OWNED_FIELDS) {
+            if (stored.has(key)) {
+                incoming.add(key, stored.get(key).deepCopy());
+            } else {
+                incoming.remove(key);
+            }
+        }
+        return storeApplication(applicationNo, incoming);
+    }
+
+    private static final java.util.List<String> SERVER_OWNED_FIELDS = java.util.List.of("creditCommitteeApproval", "riskApproval",
+            "legalApproval", "postCheckApproval", "disbursementApproval", "approvalRequests", "fineractLoanId", "fineractLoanAccountNo");
+
+    private int furthestStageOf(final JsonObject app) {
+        final JsonElement value = app.get("furthestStageIndex");
+        return value != null && value.isJsonPrimitive() && value.getAsJsonPrimitive().isNumber() ? value.getAsInt() : 0;
    }

    private boolean hasPendingApprovalRequest(final JsonObject app) {
@@ -40,6 +40,7 @@ import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;

@@ -83,6 +84,7 @@ public class LoanOriginationStageService {
    private static final Set<String> DEPOSIT_PRODUCT_CODES = Set.of("FD", "RD", "DS", "LI");

    private final LoanOriginationPipelineService pipelineService;
+    private final JdbcTemplate jdbcTemplate;

    /** A loan above the product's limit on the deposit (85%) is allowed only as a recorded officer's discretion with a reason. */
    private void requireWithinLimitOrException(final JsonObject app, final JsonObject selection) {
@@ -95,9 +97,34 @@ public class LoanOriginationStageService {
        }
    }

+    /** Product Creation sub types of the loans against a deposit or policy. */
+    private static final Set<String> DEPOSIT_SUB_TYPES = Set.of("fd", "rd", "dds", "lic");
+
+    /**
+     * A loan against a deposit is told by the product's own sub type (chosen in Product Creation), so a product made
+     * later under any short name (a second FD product, say) follows the deposit flow. The fixed short names stay as
+     * the answer for the original products.
+     */
    private boolean isDepositLoan(final JsonObject app) {
        final String code = str(app, "productCode");
-        return code != null && DEPOSIT_PRODUCT_CODES.contains(code);
+        if (code == null) {
+            return false;
+        }
+        return DEPOSIT_PRODUCT_CODES.contains(code) || DEPOSIT_SUB_TYPES.contains(productSubType(code));
+    }
+
+    private boolean isLicLoan(final JsonObject app) {
+        final String code = str(app, "productCode");
+        return code != null && ("LI".equals(code) || "lic".equals(productSubType(code)));
+    }
+
+    /** The sub type saved with the loan product of this short name; empty when the product has none. */
+    private String productSubType(final String shortName) {
+        final List<String> found = jdbcTemplate.queryForList(
+                "select e.product_type_sub_group from m_product_loan p join m_product_loan_advance_ext e on e.loan_product_id = p.id"
+                        + " where p.short_name = ?",
+                String.class, shortName);
+        return found.isEmpty() || found.get(0) == null ? "" : found.get(0);
    }

    // ── KYC & Documents ──────────────────────────────────────────────────────
@@ -110,6 +137,7 @@ public class LoanOriginationStageService {

        require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
        require(bool(app, "panVerified"), "PAN has not been verified.");
+        requirePurposeAndPriorityClassification(app);
        final boolean depositLoan = isDepositLoan(app);
        if (!depositLoan) {
            // For a loan against a deposit these are optional: the deposit is the security.
@@ -123,6 +151,10 @@ public class LoanOriginationStageService {
            require(bool(doc, "submitted"), "Required document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
        }

+        if (app.has("guarantorsRequiredCount")) {
+            requireGuarantorsNamed(app);
+        }
+
        advance(app, actor(input), "KYC Complete", strOr(input, "remarks", "KYC and document collection complete."));
        if (!depositLoan) {
            // Deposit selection only exists for a loan against a deposit; every other product passes straight through.
@@ -131,6 +163,25 @@ public class LoanOriginationStageService {
        return pipelineService.storeApplication(applicationNo, app);
    }

+    /**
+     * Every loan states what it is for and how it is classified under the RBI priority sector lending directions before
+     * KYC is complete: the purpose, the priority sector decision (with its category when it is priority sector) and
+     * whether the borrower is a weaker section (with its type when it is).
+     */
+    private void requirePurposeAndPriorityClassification(final JsonObject app) {
+        require(!strOr(app, "loanPurpose", "").isBlank(), "The purpose of the loan has not been entered.");
+        final String priority = strOr(app, "pslClassified", "");
+        require("yes".equals(priority) || "no".equals(priority), "The priority sector decision has not been made.");
+        if ("yes".equals(priority)) {
+            require(!strOr(app, "prioritySectorCategory", "").isBlank(), "The priority sector category has not been chosen.");
+        }
+        final String weaker = strOr(app, "weakerSection", "");
+        require("yes".equals(weaker) || "no".equals(weaker), "Whether the borrower is a weaker section has not been decided.");
+        if ("yes".equals(weaker)) {
+            require(!strOr(app, "weakerSectionType", "").isBlank(), "The weaker section type has not been chosen.");
+        }
+    }
+
    // ── Deposit Selection & Eligibility (loan against FD / RD / DDS / LIC) ───

    @Transactional
@@ -142,7 +193,15 @@ public class LoanOriginationStageService {

        final JsonObject selection = obj(app, "depositSelection");
        require(selection != null && bool(selection, "saved"), "No deposit has been selected and saved for this application.");
+        if (isLicLoan(app)) {
+            // A LIC policy is not a bank account: it is recorded on the application from the policy documents.
+            final JsonObject policy = obj(selection, "policy");
+            require(policy != null && !strOr(policy, "policyNo", "").isBlank(), "The LIC policy number has not been recorded.");
+            require(intOr(policy, "surrenderValue", 0) > 0, "The surrender value of the policy has not been recorded.");
+            require(!strOr(policy, "maturityDate", "").isBlank(), "The maturity date of the policy has not been recorded.");
+        } else {
            require(!arr(selection, "accountIds").isEmpty(), "Select at least one deposit.");
+        }
        require(intOr(selection, "eligibleAmount", 0) >= intOr(app, "requestedAmount", 0),
                "The requested amount is more than the eligible amount on the selected deposits.");
        require(intOr(app, "tenureMonths", 0) <= intOr(selection, "maxTenure", 0),
@@ -309,6 +368,8 @@ public class LoanOriginationStageService {
            case "riskApproval" -> "RISK_APPROVAL";
            case "legalApproval" -> "LEGAL_APPROVAL";
            case "postCheckApproval" -> "POST_CHECK";
+            // Sending the disbursement for approval: it is asked at the Disbursement stage and does not move the application on.
+            case "disbursementApproval" -> "DISBURSED";
            default -> throw badRequest("Unknown approval stage: " + field);
        };
    }
@@ -319,10 +380,22 @@ public class LoanOriginationStageService {
            case "riskApproval" -> requireRiskChecklistReady(app);
            case "legalApproval" -> requireLegalChecklistDone(app);
            case "postCheckApproval" -> requirePostCheckSignatures(app);
+            case "disbursementApproval" -> requireSanctionApprovalsStanding(app);
            default -> throw badRequest("Unknown approval stage: " + field);
        }
    }

+    /** The four sanctioning approvals must all stand before a disbursement can be sent for approval. */
+    private void requireSanctionApprovalsStanding(final JsonObject app) {
+        final List<String> fields = isDepositLoan(app) ? List.of("creditCommitteeApproval", "postCheckApproval")
+                : List.of("creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval");
+        for (final String field : fields) {
+            final JsonObject approval = obj(app, field);
+            final String decision = approval == null ? null : str(approval, "decision");
+            require("APPROVED".equals(decision) || "EXCEPTION_APPROVED".equals(decision), "Cannot send for disbursement approval: " + field + " is not approved.");
+        }
+    }
+
    private JsonObject pendingRequest(final JsonObject app, final String field) {
        final JsonObject requests = obj(app, "approvalRequests");
        final JsonObject request = requests == null ? null : obj(requests, field);
@@ -358,6 +431,13 @@ public class LoanOriginationStageService {
        if (input.has("checklist") && input.get("checklist").isJsonArray()) {
            request.add("checklist", input.getAsJsonArray("checklist"));
        }
+        final JsonObject oldRequests = obj(app, "approvalRequests");
+        final JsonObject oldRequest = oldRequests == null ? null : obj(oldRequests, field);
+        if (oldRequest != null && "REVOKED".equals(str(oldRequest, "status"))) {
+            request.addProperty("previousRevokeRemarks", strOr(oldRequest, "revokeRemarks", str(oldRequest, "remarks")));
+            request.addProperty("previousRevokedBy", str(oldRequest, "decidedBy"));
+            request.addProperty("previousRevokedOn", str(oldRequest, "decidedOn"));
+        }
        objOrCreate(app, "approvalRequests").add(field, request);

        appendHistory(app, expectedStage, user, "Sent for Approval", remarks);
@@ -402,14 +482,14 @@ public class LoanOriginationStageService {
        }
    }

-    /** Checker step: a different user approves or rejects what was sent. */
+    /** Checker step: a different user approves, rejects or revokes (returns for rectification) what was sent. */
    @Transactional
    public String decideApproval(final String applicationNo, final String field, final String body, final String user) {
        final JsonObject app = pipelineService.loadApplication(applicationNo);
        final JsonObject input = parseObject(body);

        String decision = strOr(input, "decision", "APPROVED");
-        require(List.of("APPROVED", "REJECTED", "EXCEPTION_APPROVED").contains(decision), "Unknown decision: " + decision);
+        require(List.of("APPROVED", "REJECTED", "EXCEPTION_APPROVED", "REVOKED").contains(decision), "Unknown decision: " + decision);

        final String expectedStage = approvalStage(field);
        requireStage(app, expectedStage);
@@ -417,33 +497,55 @@ public class LoanOriginationStageService {
        final JsonObject request = pendingRequest(app, field);
        require(request != null, "This stage has not been sent for approval yet.");
        require(!user.equalsIgnoreCase(str(request, "submittedBy")),
-                "The person who sent this for approval cannot approve or reject it. Ask another user.");
-        if (!"REJECTED".equals(decision)) {
-            decision = strOr(request, "requestedDecision", "APPROVED");
+                "The person who sent this for approval cannot approve, reject or revoke it. Ask another user.");
+
+        String remarks = strOr(input, "remarks", "").trim();
+        if ("REVOKED".equals(decision)) {
+            require(!remarks.isBlank(), "Remarks are required when returning an approval request for correction.");
+        } else if ("REJECTED".equals(decision)) {
+            require(!remarks.isBlank(), "Give the reason for rejecting in the remarks box.");
        }

-        if (!"REJECTED".equals(decision)) {
+        if (!"REJECTED".equals(decision) && !"REVOKED".equals(decision)) {
+            decision = strOr(request, "requestedDecision", "APPROVED");
            requireCheckerVerified(request, input);
        }

-        // Prerequisites are only enforced for a positive decision: a rejection has to remain possible
+        // Prerequisites are only enforced for a positive decision: a rejection or revocation has to remain possible
        // at any point, and blocking it on an incomplete checklist would trap the application.
        final JsonObject resolution = new JsonObject();
        resolution.addProperty("resolutionNo", strOr(request, "resolutionNo", ""));
        resolution.addProperty("resolutionDate", strOr(request, "resolutionDate", ""));
-        if (!"REJECTED".equals(decision)) {
+        if (!"REJECTED".equals(decision) && !"REVOKED".equals(decision)) {
            checkApprovalPrerequisites(app, field, resolution);
        }

-        String remarks = strOr(input, "remarks", "REJECTED".equals(decision) ? "Declined on review." : "Reviewed and approved.");
-        if ("creditCommitteeApproval".equals(field) && !"REJECTED".equals(decision)) {
+        if (remarks.isBlank()) {
+            remarks = "REJECTED".equals(decision) ? "Declined on review." : "Reviewed and approved.";
+        }
+
+        if ("creditCommitteeApproval".equals(field) && !"REJECTED".equals(decision) && !"REVOKED".equals(decision)) {
            // The resolution number and date are what the sanction letter later quotes, so they are
            // recorded on the application and restated in the audit trail.
-            final String resolutionNo = strOr(resolution, "resolutionNo", "");
-            final String resolutionDate = strOr(resolution, "resolutionDate", "");
+            final boolean depositSanction = isDepositLoan(app);
+            final String resolutionNo = depositSanction ? applicationNo : strOr(resolution, "resolutionNo", "");
+            final String resolutionDate = depositSanction ? today() : strOr(resolution, "resolutionDate", "");
            app.addProperty("committeeResolutionNo", resolutionNo);
            app.addProperty("committeeResolutionDate", resolutionDate);
-            remarks = remarks + " (Resolution No. " + resolutionNo + " dated " + resolutionDate + ")";
+            remarks = remarks + (depositSanction ? " (Sanction No. " : " (Resolution No. ") + resolutionNo + " dated " + resolutionDate + ")";
+        }
+
+        if ("REVOKED".equals(decision)) {
+            request.addProperty("status", "REVOKED");
+            request.addProperty("decidedBy", user);
+            request.addProperty("decidedOn", today());
+            request.addProperty("revokeRemarks", remarks);
+            request.addProperty("remarks", remarks);
+            if (app.has(field)) {
+                app.remove(field);
+            }
+            appendHistory(app, expectedStage, user, "Returned for Rectification", remarks);
+            return pipelineService.storeApplication(applicationNo, app);
        }

        final JsonObject approval = objOrCreate(app, field);
@@ -460,11 +562,24 @@ public class LoanOriginationStageService {
        request.addProperty("decidedBy", user);
        request.addProperty("decidedOn", today());

+        if ("disbursementApproval".equals(field)) {
+            // Approving the disbursement does not move the stage (the loan is disbursed next); declining it only sends it back.
            if ("REJECTED".equals(decision)) {
+                app.remove(field);
+                appendHistory(app, expectedStage, user, "Disbursement Declined", remarks);
+            } else {
+                appendHistory(app, expectedStage, user, "Disbursement Approved", remarks);
+            }
+        } else if ("REJECTED".equals(decision)) {
            app.addProperty("overallStatus", "REJECTED");
            appendHistory(app, str(app, "currentStage"), user, "Rejected", remarks);
        } else {
            advance(app, user, "EXCEPTION_APPROVED".equals(decision) ? "Approved on Exception" : "Approved", remarks);
+            if ("creditCommitteeApproval".equals(field) && isDepositLoan(app)) {
+                // Sanctioned: no risk approval and no legal approval on a loan against a deposit (the legal documents are taken at signing).
+                advance(app, user, "Risk Approval Not Required", "Loan against a deposit - sanctioned by the Sanction step.");
+                advance(app, user, "Legal Approval Not Required", "Loan against a deposit - the legal documents are taken at Customer Signing.");
+            }
        }
        return pipelineService.storeApplication(applicationNo, app);
    }
@@ -475,6 +590,10 @@ public class LoanOriginationStageService {
        final JsonObject input = parseObject(body);
        requireStage(app, "CUSTOMER_SIGNING");
        require(filled(app, "agreementSigningSlot"), "No agreement signing slot has been recorded.");
+        if (isDepositLoan(app)) {
+            // No legal approval stage on a loan against a deposit: its legal documents (stamp duty, DP note, lien letter ...) are taken here.
+            requireLegalChecklistDone(app);
+        }

        app.addProperty("customerSigningDate", today());
        advance(app, strOr(input, "actionBy", strOr(app, "applicantName", "Customer")), "Signed",
@@ -518,7 +637,9 @@ public class LoanOriginationStageService {
        requireStage(app, "DISBURSED");
        require(!"DISBURSED".equals(str(app, "overallStatus")), "This application has already been disbursed.");

-        for (final String field : List.of("creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval")) {
+        final List<String> mustStand = isDepositLoan(app) ? List.of("creditCommitteeApproval", "postCheckApproval")
+                : List.of("creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval");
+        for (final String field : mustStand) {
            final JsonObject approval = obj(app, field);
            final String decision = approval == null ? null : str(approval, "decision");
            require("APPROVED".equals(decision) || "EXCEPTION_APPROVED".equals(decision),
@@ -548,12 +669,38 @@ public class LoanOriginationStageService {
            app.addProperty("fineractLoanId", LoanOriginationJson.lng(input, "fineractLoanId"));
            app.addProperty("fineractLoanAccountNo", str(input, "fineractLoanAccountNo"));
        }
+        holdDdsAccounts(applicationNo, app);

        appendHistory(app, "DISBURSED", actor(input), "Disbursed", strOr(input, "remarks",
                "Disbursed via " + mode + " — ACH confirmation " + strOr(app, "achConfirmationRef", "—") + ". EMI activation confirmed."));
        return pipelineService.storeApplication(applicationNo, app);
    }

+    /**
+     * A loan against a Daily Deposit Scheme account puts the account on hold (its lien flag) as it is disbursed, naming the loan
+     * in the reason; {@link DdsLienReleaseService} lifts it when that loan ends. The DDS module is the bank's own, outside
+     * Fineract's deposit accounts, so there is no Fineract call for this. The outcome is written on the application's lien.
+     */
+    private void holdDdsAccounts(final String applicationNo, final JsonObject app) {
+        if (!"DS".equals(str(app, "productCode"))) {
+            return;
+        }
+        final JsonObject selection = obj(app, "depositSelection");
+        final JsonObject lien = obj(app, "lien");
+        if (selection == null || lien == null || !bool(lien, "marked")) {
+            return;
+        }
+        final String loanNo = filled(app, "fineractLoanAccountNo") ? str(app, "fineractLoanAccountNo") : applicationNo;
+        final String reason = DdsLienReleaseService.reasonFor(loanNo, applicationNo);
+        int held = 0;
+        for (final JsonElement id : arr(selection, "accountIds")) {
+            held += jdbcTemplate.update("UPDATE m_dds_party SET lien = TRUE, lien_reason = ? WHERE id = ? AND status <> 'CLOSED'", reason,
+                    id.getAsLong());
+        }
+        lien.addProperty("coreStatus", held > 0 ? "PLACED" : "FAILED");
+        lien.addProperty("coreNote", held > 0 ? "DDS account held: " + reason : "No open DDS account was found to hold.");
+    }
+
    // ── Shared checklist rules (mirror the Application Detail screen's gating) ─

    private void requireFieldInvestigationComplete(final JsonObject app) {
@@ -577,8 +724,9 @@ public class LoanOriginationStageService {
        if (!depositLoan) {
            require(bool(app, "cicReportUploaded"), "The credit bureau report is not on file.");
        }
-        require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
-        if (bool(app, "secured")) {
+        // On a loan against a deposit the deposit is the security: KYC and the deposit checks are enough, the background check is optional.
+        require(isDepositLoan(app) || bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        if (bool(app, "secured") && !depositLoan) {
            require(bool(app, "cersaiSearchDone"), "The CERSAI search has not been done.");
        }
        require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
@@ -588,6 +736,12 @@ public class LoanOriginationStageService {
            requireFieldInvestigationComplete(app);
        }
        require(depositLoan || bool(app, "managerMeetingDone"), "The manager meeting has not been recorded.");
+        if (depositLoan) {
+            // A loan against a deposit has no committee, risk or legal approval: this one Sanction step is all, and it makes the
+            // checks Risk would have made (KYC, the deposit covers the loan, the declarations). No resolution is needed.
+            requireRiskChecklistReady(app);
+            return;
+        }
        require(!strOr(input, "resolutionNo", "").isBlank(), "A committee resolution number is required.");
        require(!strOr(input, "resolutionDate", "").isBlank(), "A committee resolution date is required.");
    }
@@ -609,15 +763,52 @@ public class LoanOriginationStageService {
            requireCheckVerified(app, "addressVerification", "Address verification");
            require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
        }
-        require(bool(app, "previousLoanDeclarationDone"), "The previous-loan declaration has not been taken.");
-        if (bool(app, "secured")) {
+        // A loan against a deposit takes no separate declaration: the deposit is the security.
+        require(depositLoan || bool(app, "previousLoanDeclarationDone"), "The previous-loan declaration has not been taken.");
+        if (bool(app, "secured") && !depositLoan) {
            require(bool(app, "propertySearchReportDone"), "The property search report is not on file.");
            require(bool(app, "valuationReportConfirmed"), "The valuation report has not been confirmed.");
        }
        if (!depositLoan) {
            requireFieldInvestigationComplete(app);
        }
-        require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        // On a loan against a deposit the deposit is the security: KYC and the deposit checks are enough, the background check is optional.
+        require(isDepositLoan(app) || bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        requireGuarantorsNamed(app);
+    }
+
+    /**
+     * The guarantors an application has to name. A product that says how many (Product Creation) is held to that count: each
+     * guarantor an onboarded client, none twice, none the borrower, and a bank member unless the product says otherwise. An
+     * application raised before products said so keeps the officer's own Guarantor Required tick and its single guarantor.
+     */
+    private void requireGuarantorsNamed(final JsonObject app) {
+        final JsonElement count = app.get("guarantorsRequiredCount");
+        if (count != null && count.isJsonPrimitive() && count.getAsJsonPrimitive().isNumber()) {
+            final int need = count.getAsInt();
+            if (need <= 0) {
+                return;
+            }
+            final boolean memberRequired = !app.has("guarantorMustBeMember") || bool(app, "guarantorMustBeMember");
+            final Long borrower = LoanOriginationJson.lng(app, "clientId");
+            final java.util.Set<Long> seen = new java.util.HashSet<>();
+            for (final JsonElement element : arr(app, "guarantors")) {
+                if (!element.isJsonObject()) {
+                    continue;
+                }
+                final JsonObject guarantor = element.getAsJsonObject();
+                final Long clientId = LoanOriginationJson.lng(guarantor, "clientId");
+                if (clientId == null) {
+                    continue;
+                }
+                require(borrower == null || !borrower.equals(clientId), "The borrower cannot be their own guarantor.");
+                require(seen.add(clientId), "A guarantor has been named twice.");
+                require(!memberRequired || bool(guarantor, "hasShareAccount"),
+                        strOr(guarantor, "name", "A guarantor") + " has no active share account: a guarantor must be a bank member.");
+            }
+            require(seen.size() >= need, "This product needs " + need + " guarantor(s); " + seen.size() + " named.");
+            return;
+        }
        if (bool(app, "guarantorRequired")) {
            // A guarantor at a co-operative bank has to be an existing member, not just a name: an
            // onboarded client id AND a live share account.
@@ -634,6 +634,8 @@
    <include file="parts/0605_add_gold_revaluation_rules.xml" relativeToChangelogFile="true"/>
    <include file="parts/0606_add_gold_servicing_and_auction_rules.xml" relativeToChangelogFile="true"/>
    <include file="parts/0607_add_warehouse_receipt_product_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0608_seed_priority_sector_category_code.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0609_seed_weaker_section_type_code.xml" relativeToChangelogFile="true"/>

    <!-- DDS: the scheme's own tables, settings and permissions. Kept together and last, because
         each one builds on the core the block above sets up and none of it builds on DDS. -->
@@ -0,0 +1,54 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!-- RBI priority sector lending categories, kept as a Code so Loan Origination and the loan account wizard read
+         the list from the system instead of a fixed list. Names are shown as they are. -->
+    <changeSet author="CBS" id="0608_seed_priority_sector_category_code">
+        <sql>
+            INSERT INTO m_code (code_name, is_system_defined)
+            SELECT 'PrioritySectorCategory', false
+            WHERE NOT EXISTS (SELECT 1 FROM m_code WHERE code_name = 'PrioritySectorCategory');
+
+            INSERT INTO m_code_value (code_id, code_value, order_position, is_active, is_mandatory)
+            SELECT c.id, v.code_value, v.order_position, true, false
+            FROM m_code c
+            CROSS JOIN (VALUES
+                ('Agriculture',                          1),
+                ('Micro, Small and Medium Enterprises',  2),
+                ('Export Credit',                        3),
+                ('Education',                            4),
+                ('Housing',                              5),
+                ('Social Infrastructure',                6),
+                ('Renewable Energy',                     7),
+                ('Others',                               8)
+            ) AS v(code_value, order_position)
+            WHERE c.code_name = 'PrioritySectorCategory'
+            AND NOT EXISTS (
+                SELECT 1 FROM m_code_value cv
+                WHERE cv.code_id = c.id AND cv.code_value = v.code_value
+            );
+        </sql>
+    </changeSet>
+</databaseChangeLog>
@@ -0,0 +1,59 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!-- Weaker sections of the RBI Priority Sector Lending Master Directions (para 17.1): an overlapping tag on a priority
+         sector loan, chosen at sanction in Loan Origination. Kept as a Code so the list can be maintained in Admin. -->
+    <changeSet author="CBS" id="0609_seed_weaker_section_type_code">
+        <sql>
+            INSERT INTO m_code (code_name, is_system_defined)
+            SELECT 'WeakerSectionType', false
+            WHERE NOT EXISTS (SELECT 1 FROM m_code WHERE code_name = 'WeakerSectionType');
+
+            INSERT INTO m_code_value (code_id, code_value, order_position, is_active, is_mandatory)
+            SELECT c.id, v.code_value, v.order_position, true, false
+            FROM m_code c
+            CROSS JOIN (VALUES
+                ('Small and Marginal Farmers',                                                     1),
+                ('Artisans, village and cottage industries (individual credit limit up to ₹2 lakh)', 2),
+                ('Beneficiaries of Government Sponsored Schemes (NRLM, SRMS)',                      3),
+                ('Scheduled Castes and Scheduled Tribes',                                           4),
+                ('Beneficiaries of Differential Rate of Interest (DRI) scheme',                     5),
+                ('Self Help Groups / Joint Liability Groups',                                       6),
+                ('Individuals and members of SHGs/JLGs availing microfinance loans',                7),
+                ('Individual women beneficiaries (up to ₹2 lakh)',                                  8),
+                ('Distressed farmers indebted to non-institutional lenders',                        9),
+                ('Distressed persons other than farmers (up to ₹1 lakh)',                          10),
+                ('Persons with disabilities',                                                      11),
+                ('Transgenders',                                                                   12),
+                ('Minority communities notified by Government of India',                           13)
+            ) AS v(code_value, order_position)
+            WHERE c.code_name = 'WeakerSectionType'
+            AND NOT EXISTS (
+                SELECT 1 FROM m_code_value cv
+                WHERE cv.code_id = c.id AND cv.code_value = v.code_value
+            );
+        </sql>
+    </changeSet>
+</databaseChangeLog>