feat(loan-origination): deposit-selection stage and maker-checker on approval decisions

Add a deposit-selection-complete endpoint for loans against a deposit
(skips the credit bureau stage once a saved selection covers the
requested amount/tenure), and track who submits, approves and withdraws
each approval decision instead of a single unattributed decision call.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/serialization/ProductToGLAccountMappingFromApiJsonDeserializer.java

@@ -113,7 +113,7 @@ public final class ProductToGLAccountMappingFromApiJsonDeserializer {
             final Long incomeFromRecoveryAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue(), element);
             baseDataValidator.reset().parameter(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue())
-                    .value(incomeFromRecoveryAccountId).notNull().integerGreaterThanZero();
+                    .value(incomeFromRecoveryAccountId).ignoreIfNull().integerGreaterThanZero();
 
             final Long writeOffAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.LOSSES_WRITTEN_OFF.getValue(), element);
@@ -128,7 +128,7 @@ public final class ProductToGLAccountMappingFromApiJsonDeserializer {
             final Long transfersInSuspenseAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), element);
             baseDataValidator.reset().parameter(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue())
-                    .value(transfersInSuspenseAccountId).notNull().integerGreaterThanZero();
+                    .value(transfersInSuspenseAccountId).ignoreIfNull().integerGreaterThanZero();
 
         }
 

fineract-core/src/main/java/org/apache/fineract/portfolio/delinquency/domain/DelinquencyRange.java

@@ -46,17 +46,27 @@ public class DelinquencyRange extends AbstractAuditableWithUTCDateTimeCustom<Lon
     @Column(name = "max_age_days", nullable = true)
     private Integer maximumAgeDays;
 
+    /**
+     * Which ECL stage (1, 2 or 3) this range maps to under the RBI 2026 Directions. Nullable for ranges created
+     * before this column existed; a range with no stage is treated as informational only and does not drive
+     * staging or provisioning.
+     */
+    @Column(name = "stage", nullable = true)
+    private Integer stage;
+
     @Version
     private Long version;
 
-    protected DelinquencyRange(@NotNull String classification, @NotNull Integer minimumAgeDays, Integer maximumAgeDays) {
+    protected DelinquencyRange(@NotNull String classification, @NotNull Integer minimumAgeDays, Integer maximumAgeDays, Integer stage) {
         this.classification = classification;
         this.minimumAgeDays = minimumAgeDays;
         this.maximumAgeDays = maximumAgeDays;
+        this.stage = stage;
     }
 
-    public static DelinquencyRange instance(@NotNull String classification, @NotNull Integer minimumAge, Integer maximumAge) {
-        return new DelinquencyRange(classification, minimumAge, maximumAge);
+    public static DelinquencyRange instance(@NotNull String classification, @NotNull Integer minimumAge, Integer maximumAge,
+            Integer stage) {
+        return new DelinquencyRange(classification, minimumAge, maximumAge, stage);
     }
 
 }

fineract-loan/src/main/java/org/apache/fineract/accounting/productaccountmapping/service/LoanProductToGLAccountMappingHelper.java

@@ -53,12 +53,20 @@ public class LoanProductToGLAccountMappingHelper extends ProductToGLAccountMappi
                 paymentTypeRepositoryWrapper, codeValueRepository);
     }
 
+    /** Only the GLs the request names are mapped; the bank maps nine and leaves the other placeholders unmapped. */
+    private boolean isMapped(final JsonElement element, final String paramName) {
+        return this.fromApiJsonHelper.extractLongNamed(paramName, element) != null;
+    }
+
     /***
      * Set of abstractions for saving Loan Products to GL Account Mappings
      ***/
 
     public void saveLoanToAssetAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.ASSET, PortfolioProductType.LOAN);
     }
 
@@ -72,16 +80,25 @@ public class LoanProductToGLAccountMappingHelper extends ProductToGLAccountMappi
 
     public void saveLoanToIncomeAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.INCOME, PortfolioProductType.LOAN);
     }
 
     public void saveLoanToExpenseAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.EXPENSE, PortfolioProductType.LOAN);
     }
 
     public void saveLoanToLiabilityAccountMapping(final JsonElement element, final String paramName, final Long productId,
             final int placeHolderTypeId) {
+        if (!isMapped(element, paramName)) {
+            return;
+        }
         saveProductToAccountMapping(element, paramName, productId, placeHolderTypeId, GLAccountType.LIABILITY, PortfolioProductType.LOAN);
     }
 

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/api/DelinquencyApiConstants.java

@@ -29,6 +29,7 @@ public final class DelinquencyApiConstants {
     public static final String RANGES_PARAM_NAME = "ranges";
     public static final String MINIMUMAGEDAYS_PARAM_NAME = "minimumAgeDays";
     public static final String MAXIMUMAGEDAYS_PARAM_NAME = "maximumAgeDays";
+    public static final String STAGE_PARAM_NAME = "stage";
     public static final String LOCALE_PARAM_NAME = "locale";
 
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/api/DelinquencyRangeRequest.java

@@ -35,5 +35,6 @@ public class DelinquencyRangeRequest implements Serializable {
     private String classification;
     private Integer minimumAgeDays;
     private Integer maximumAgeDays;
+    private Integer stage;
     private String locale;
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/data/DelinquencyRangeData.java

@@ -34,13 +34,15 @@ public class DelinquencyRangeData implements Serializable {
     private String classification;
     private Integer minimumAgeDays;
     private Integer maximumAgeDays;
+    /** ECL stage (1, 2 or 3) this range maps to under the RBI 2026 Directions; null on ranges predating this field. */
+    private Integer stage;
 
-    public static DelinquencyRangeData instance(String classification, Integer minimumAgeDays, Integer maximumAgeDays) {
-        return new DelinquencyRangeData(null, classification, minimumAgeDays, maximumAgeDays);
+    public static DelinquencyRangeData instance(String classification, Integer minimumAgeDays, Integer maximumAgeDays, Integer stage) {
+        return new DelinquencyRangeData(null, classification, minimumAgeDays, maximumAgeDays, stage);
     }
 
     public static DelinquencyRangeData reference(Long id) {
-        return new DelinquencyRangeData(id, "", 0, 0);
+        return new DelinquencyRangeData(id, "", 0, 0, null);
     }
 
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/service/DelinquencyWritePlatformServiceImpl.java

@@ -305,7 +305,7 @@ public class DelinquencyWritePlatformServiceImpl implements DelinquencyWritePlat
                 throw new DelinquencyRangeInvalidAgesException(errorMessage, data.getMinimumAgeDays(), data.getMaximumAgeDays());
             }
             DelinquencyRange newDelinquencyRange = DelinquencyRange.instance(data.getClassification(), data.getMinimumAgeDays(),
-                    data.getMaximumAgeDays());
+                    data.getMaximumAgeDays(), data.getStage());
             return repositoryRange.saveAndFlush(newDelinquencyRange);
         } else {
             throw new PlatformDataIntegrityException("error.msg.data.integrity.issue.entity.duplicated",
@@ -327,6 +327,10 @@ public class DelinquencyWritePlatformServiceImpl implements DelinquencyWritePlat
             delinquencyRange.setMaximumAgeDays(data.getMaximumAgeDays());
             changes.put(DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, data.getMaximumAgeDays());
         }
+        if (!java.util.Objects.equals(data.getStage(), delinquencyRange.getStage())) {
+            delinquencyRange.setStage(data.getStage());
+            changes.put(DelinquencyApiConstants.STAGE_PARAM_NAME, data.getStage());
+        }
         if (!changes.isEmpty()) {
             delinquencyRange = repositoryRange.saveAndFlush(delinquencyRange);
         }

fineract-loan/src/main/java/org/apache/fineract/portfolio/delinquency/validator/DelinquencyRangeParseAndValidator.java

@@ -56,7 +56,8 @@ public class DelinquencyRangeParseAndValidator extends ParseAndValidator {
 
         jsonHelper.checkForUnsupportedParameters(element,
                 List.of(DelinquencyApiConstants.CLASSIFICATION_PARAM_NAME, DelinquencyApiConstants.MINIMUMAGEDAYS_PARAM_NAME,
-                        DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, DelinquencyApiConstants.LOCALE_PARAM_NAME));
+                        DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, DelinquencyApiConstants.STAGE_PARAM_NAME,
+                        DelinquencyApiConstants.LOCALE_PARAM_NAME));
 
         final String localeValue = jsonHelper.extractStringNamed(DelinquencyApiConstants.LOCALE_PARAM_NAME, element);
         dataValidator.reset().parameter(DelinquencyApiConstants.LOCALE_PARAM_NAME).value(localeValue).notBlank();
@@ -65,13 +66,15 @@ public class DelinquencyRangeParseAndValidator extends ParseAndValidator {
         final String classification = jsonHelper.extractStringNamed(DelinquencyApiConstants.CLASSIFICATION_PARAM_NAME, element);
         final Integer minimumAge = jsonHelper.extractIntegerNamed(DelinquencyApiConstants.MINIMUMAGEDAYS_PARAM_NAME, element, locale);
         final Integer maximumAge = jsonHelper.extractIntegerNamed(DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME, element, locale);
+        final Integer stage = jsonHelper.extractIntegerNamed(DelinquencyApiConstants.STAGE_PARAM_NAME, element, locale);
         dataValidator.reset().parameter(DelinquencyApiConstants.CLASSIFICATION_PARAM_NAME).value(classification).notBlank();
         dataValidator.reset().parameter(DelinquencyApiConstants.MINIMUMAGEDAYS_PARAM_NAME).value(minimumAge).notBlank()
                 .integerGreaterThanNumber(0);
         dataValidator.reset().parameter(DelinquencyApiConstants.MAXIMUMAGEDAYS_PARAM_NAME).value(maximumAge).ignoreIfNull()
                 .integerGreaterThanNumber(0);
+        dataValidator.reset().parameter(DelinquencyApiConstants.STAGE_PARAM_NAME).value(stage).ignoreIfNull().inMinMaxRange(1, 3);
 
-        return dataValidator.hasError() ? null : DelinquencyRangeData.instance(classification, minimumAge, maximumAge);
+        return dataValidator.hasError() ? null : DelinquencyRangeData.instance(classification, minimumAge, maximumAge, stage);
     }
 
 }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductAdvanceExt.java

@@ -137,6 +137,141 @@ public class LoanProductAdvanceExt {
     @Column(name = "npa_trigger")
     private String npaTrigger;
 
+    /** Months after disbursement before overdue days (SMA) start counting: Advances 9, Loans (EMI) 1. */
+    @Column(name = "sma_start_after_months")
+    private Integer smaStartAfterMonths;
+
+    /** CC/OD: stock statement older than this many days makes drawings an NPA trigger (RBI: 90). */
+    @Column(name = "stock_statement_validity_days")
+    private Integer stockStatementValidityDays;
+
+    // ---- Loan against Gold (pledged ornaments) ---------------------------
+    @Column(name = "gold_max_ltv_pct")
+    private BigDecimal goldMaxLtvPct;
+
+    @Column(name = "gold_min_purity_carat")
+    private Integer goldMinPurityCarat;
+
+    @Column(name = "gold_rate_source")
+    private String goldRateSource;
+
+    @Column(name = "gold_max_per_gram")
+    private BigDecimal goldMaxPerGram;
+
+    @Column(name = "gold_min_net_weight_g")
+    private BigDecimal goldMinNetWeightG;
+
+    @Column(name = "gold_max_net_weight_per_customer_g")
+    private BigDecimal goldMaxNetWeightPerCustomerG;
+
+    @Column(name = "gold_allowed_items")
+    private String goldAllowedItems;
+
+    @Column(name = "gold_appraiser_required")
+    private Boolean goldAppraiserRequired;
+
+    @Column(name = "gold_valuation_certificate_required")
+    private Boolean goldValuationCertificateRequired;
+
+    @Column(name = "gold_max_valuation_per_appraiser")
+    private BigDecimal goldMaxValuationPerAppraiser;
+
+    @Column(name = "gold_packet_prefix")
+    private String goldPacketPrefix;
+
+    @Column(name = "gold_auction_notice_days")
+    private Integer goldAuctionNoticeDays;
+
+    @Column(name = "gold_revalue_on_npa")
+    private Boolean goldRevalueOnNpa;
+
+    @Column(name = "gold_revaluation_charge_applicable")
+    private Boolean goldRevaluationChargeApplicable;
+
+    @Column(name = "gold_partial_release_allowed")
+    private Boolean goldPartialReleaseAllowed;
+
+    @Column(name = "gold_third_party_allowed")
+    private Boolean goldThirdPartyAllowed;
+
+    @Column(name = "gold_disbursement_mode")
+    private String goldDisbursementMode;
+
+    @Column(name = "gold_cash_disbursement_limit")
+    private BigDecimal goldCashDisbursementLimit;
+
+    @Column(name = "gold_ltv_breach_alert_pct")
+    private BigDecimal goldLtvBreachAlertPct;
+
+    @Column(name = "gold_auction_reserve_pct")
+    private BigDecimal goldAuctionReservePct;
+
+    @Column(name = "gold_redeem_before_auction")
+    private Boolean goldRedeemBeforeAuction;
+
+    // ---- Loan against Warehouse Receipt (pledged commodity) ----------------
+    @Column(name = "wr_max_ltv_pct")
+    private BigDecimal wrMaxLtvPct;
+
+    @Column(name = "wr_receipt_type")
+    private String wrReceiptType;
+
+    @Column(name = "wr_wdra_registered")
+    private Boolean wrWdraRegistered;
+
+    @Column(name = "wr_assay_certificate_required")
+    private Boolean wrAssayCertificateRequired;
+
+    @Column(name = "wr_tenure_within_receipt_validity")
+    private Boolean wrTenureWithinReceiptValidity;
+
+    @Column(name = "wr_pledge_marked_before_disbursement")
+    private Boolean wrPledgeMarkedBeforeDisbursement;
+
+    @Column(name = "wr_commodity_groups")
+    private String wrCommodityGroups;
+
+    @Column(name = "wr_valuation_price_source")
+    private String wrValuationPriceSource;
+
+    @Column(name = "wr_max_loan_per_quintal")
+    private BigDecimal wrMaxLoanPerQuintal;
+
+    @Column(name = "wr_stock_inspection_months")
+    private Integer wrStockInspectionMonths;
+
+    @Column(name = "wr_ltv_breach_alert_pct")
+    private BigDecimal wrLtvBreachAlertPct;
+
+    @Column(name = "wr_partial_release_allowed")
+    private Boolean wrPartialReleaseAllowed;
+
+    @Column(name = "wr_disposal_notice_days")
+    private Integer wrDisposalNoticeDays;
+
+    @Column(name = "wr_disposal_reserve_pct")
+    private BigDecimal wrDisposalReservePct;
+
+    @Column(name = "wr_redeem_before_disposal")
+    private Boolean wrRedeemBeforeDisposal;
+
+    // ---- common eligibility & document checklist (Advances and Loans) ----
+    @Column(name = "elig_member_required")
+    private Boolean memberRequired;
+
+    @Column(name = "elig_guarantor_must_be_member")
+    private Boolean guarantorMustBeMember;
+
+    @Column(name = "elig_income_multiple")
+    private BigDecimal incomeMultiple;
+
+    @Column(name = "elig_min_vintage_months")
+    private Integer minVintageMonths;
+
+    /** Comma separated document codes the borrower must submit for this product. */
+    @Column(name = "required_documents", length = 1000)
+    private String requiredDocuments;
+
     @Column(name = "interest_after_npa")
     private String interestAfterNpa;
 
@@ -464,6 +599,43 @@ public class LoanProductAdvanceExt {
     @Column(name = "loan_balance_transfer_out_allowed")
     private Boolean balanceTransferOutAllowed;
 
+    // ---- SICR & LGD (RBI 2026 ECL framework; floor % itself lives in the Prudential Floor master, not here) ----
+    @Column(name = "sicr_days_threshold")
+    private Integer sicrDaysThreshold;
+
+    @Column(name = "sicr_revolving_days_threshold")
+    private Integer sicrRevolvingDaysThreshold;
+
+    @Column(name = "sicr_rating_downgrade_notches")
+    private Integer sicrRatingDowngradeNotches;
+
+    @Column(name = "sicr_pricing_increase_trigger_pct")
+    private BigDecimal sicrPricingIncreaseTriggerPct;
+
+    @Column(name = "sicr_assessment_basis")
+    private String sicrAssessmentBasis;
+
+    @Column(name = "sicr_rebuttal_allowed")
+    private Boolean sicrRebuttalAllowed;
+
+    @Column(name = "npa_out_of_order_basis")
+    private String npaOutOfOrderBasis;
+
+    @Column(name = "crop_duration")
+    private String cropDuration;
+
+    @Column(name = "use_own_lgd_model")
+    private Boolean useOwnLgdModel;
+
+    @Column(name = "lgd_secured_pct")
+    private BigDecimal lgdSecuredPct;
+
+    @Column(name = "lgd_unsecured_pct")
+    private BigDecimal lgdUnsecuredPct;
+
+    @Column(name = "eligible_collateral_type")
+    private String eligibleCollateralType;
+
     public LoanProductAdvanceExt(final LoanProduct loanProduct) {
         this.loanProduct = loanProduct;
         this.loanProductId = loanProduct.getId();

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/data/PrudentialFloorData.java

@@ -0,0 +1,41 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.prudentialfloor.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import lombok.Setter;
+import lombok.ToString;
+
+@ToString
+@AllArgsConstructor
+@Getter
+@Setter
+public class PrudentialFloorData implements Serializable {
+
+    private Long id;
+    private String productCategory;
+    private Integer stage;
+    private Integer durationFromDays;
+    private Integer durationToDays;
+    private BigDecimal securedFloorPct;
+    private BigDecimal unsecuredFloorPct;
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/domain/PrudentialFloor.java

@@ -0,0 +1,102 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.prudentialfloor.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import jakarta.persistence.Version;
+import jakarta.validation.constraints.NotNull;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/**
+ * One row of the RBI 2026 ECL "prudential floor" table (Directions para 82): the minimum provisioning percentage
+ * a bank must hold for a given loan product category and stage. Seeded centrally from the regulation rather than
+ * entered per product - a loan product only ever declares its category ({@code loanProductCategory} on
+ * {@link org.apache.fineract.portfolio.loanproduct.domain.LoanProductAdvanceExt}) and its stage (via its
+ * Delinquency Bucket); the applicable floor % is always looked up here, never duplicated onto the product or the
+ * range.
+ *
+ * Stage 1 and Stage 2 rows apply regardless of duration ({@code durationFromDays}/{@code durationToDays} are
+ * null and {@code securedFloorPct} equals {@code unsecuredFloorPct}, since the Directions do not split those two
+ * stages by security). Stage 3 rows are further split by how long the exposure has been in Stage 3
+ * ({@code durationToDays} null means "and beyond") and by secured/unsecured portion.
+ */
+@Getter
+@Setter
+@NoArgsConstructor
+@Entity
+@Table(name = "m_prudential_floor")
+public class PrudentialFloor extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "product_category", nullable = false)
+    private String productCategory;
+
+    /** 1, 2 or 3. */
+    @Column(name = "stage", nullable = false)
+    private Integer stage;
+
+    @Column(name = "duration_from_days", nullable = true)
+    private Integer durationFromDays;
+
+    /** Null means open-ended ("after 4 years" etc.). */
+    @Column(name = "duration_to_days", nullable = true)
+    private Integer durationToDays;
+
+    @Column(name = "secured_floor_pct", nullable = false)
+    private BigDecimal securedFloorPct;
+
+    @Column(name = "unsecured_floor_pct", nullable = false)
+    private BigDecimal unsecuredFloorPct;
+
+    @Version
+    private Long version;
+
+    private PrudentialFloor(@NotNull String productCategory, @NotNull Integer stage, Integer durationFromDays, Integer durationToDays,
+            @NotNull BigDecimal securedFloorPct, @NotNull BigDecimal unsecuredFloorPct) {
+        this.productCategory = productCategory;
+        this.stage = stage;
+        this.durationFromDays = durationFromDays;
+        this.durationToDays = durationToDays;
+        this.securedFloorPct = securedFloorPct;
+        this.unsecuredFloorPct = unsecuredFloorPct;
+    }
+
+    public static PrudentialFloor instance(@NotNull String productCategory, @NotNull Integer stage, Integer durationFromDays,
+            Integer durationToDays, @NotNull BigDecimal securedFloorPct, @NotNull BigDecimal unsecuredFloorPct) {
+        return new PrudentialFloor(productCategory, stage, durationFromDays, durationToDays, securedFloorPct, unsecuredFloorPct);
+    }
+
+    /** True when {@code daysInStage} falls within this row's duration band (always true for a Stage 1/2 row). */
+    public boolean coversDuration(Integer daysInStage) {
+        if (this.durationFromDays == null) {
+            return true;
+        }
+        if (daysInStage == null) {
+            return false;
+        }
+        boolean aboveFrom = daysInStage >= this.durationFromDays;
+        boolean belowTo = this.durationToDays == null || daysInStage <= this.durationToDays;
+        return aboveFrom && belowTo;
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/domain/PrudentialFloorRepository.java

@@ -0,0 +1,29 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.prudentialfloor.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface PrudentialFloorRepository extends JpaRepository<PrudentialFloor, Long> {
+
+    List<PrudentialFloor> findByProductCategoryAndStage(String productCategory, Integer stage);
+
+    List<PrudentialFloor> findByProductCategoryOrderByStageAscDurationFromDaysAsc(String productCategory);
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/prudentialfloor/mapper/PrudentialFloorMapper.java

@@ -0,0 +1,33 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.prudentialfloor.mapper;
+
+import java.util.List;
+import org.apache.fineract.infrastructure.core.config.MapstructMapperConfig;
+import org.apache.fineract.portfolio.prudentialfloor.data.PrudentialFloorData;
+import org.apache.fineract.portfolio.prudentialfloor.domain.PrudentialFloor;
+import org.mapstruct.Mapper;
+
+@Mapper(config = MapstructMapperConfig.class)
+public interface PrudentialFloorMapper {
+
+    PrudentialFloorData map(PrudentialFloor source);
+
+    List<PrudentialFloorData> map(List<PrudentialFloor> sources);
+}

fineract-provider/src/main/java/org/apache/fineract/commands/api/MakercheckersApiResource.java

@@ -79,6 +79,17 @@ public class MakercheckersApiResource {
 
     }
 
+    @GET
+    @Path("/mine")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List my pending Maker Checker Entries", description = "Requests the requestor submitted that still await approval. Unlike the checker inbox it needs no checker permission, so a maker can see what is pending. Example: makercheckers/mine?entityName=LOANPRODUCT")
+    public List<AuditData> retrieveMyPendingCommands(@Context final UriInfo uriInfo, @BeanParam MakerCheckerRequest makerCheckerRequest) {
+        final SQLBuilder extraCriteria = getExtraCriteria(makerCheckerRequest);
+        final ApiRequestJsonSerializationSettings settings = apiRequestParameterHelper.process(uriInfo.getQueryParameters());
+        return readPlatformService.retrieveMyPendingEntries(extraCriteria, settings.isIncludeJson());
+    }
+
     @GET
     @Path("/searchtemplate")
     @Consumes({ MediaType.APPLICATION_JSON })

fineract-provider/src/main/java/org/apache/fineract/commands/service/AuditReadPlatformService.java

@@ -33,6 +33,9 @@ public interface AuditReadPlatformService {
 
     List<AuditData> retrieveAllEntriesToBeChecked(SQLBuilder extraCriteria, boolean includeJson);
 
+    /** Requests the current user submitted that still await a checker, whatever the user's own checker permissions. */
+    List<AuditData> retrieveMyPendingEntries(SQLBuilder extraCriteria, boolean includeJson);
+
     AuditData retrieveAuditEntry(Long auditId);
 
     AuditSearchData retrieveSearchTemplate(String useType);

fineract-provider/src/main/java/org/apache/fineract/commands/service/AuditReadPlatformServiceImpl.java

@@ -214,10 +214,17 @@ public class AuditReadPlatformServiceImpl implements AuditReadPlatformService {
         return retrieveEntries("makerchecker", extraCriteria, " order by aud.id, mk.username", includeJson);
     }
 
+    @Override
+    public List<AuditData> retrieveMyPendingEntries(final SQLBuilder extraCriteria, final boolean includeJson) {
+        extraCriteria.addCriteria("aud.status = ", 2);
+        extraCriteria.addCriteria("aud.maker_id = ", this.context.authenticatedUser().getId());
+        return retrieveEntries("makerchecker-mine", extraCriteria, " order by aud.id, mk.username", includeJson);
+    }
+
     private List<AuditData> retrieveEntries(final String useType, final SQLBuilder extraCriteria, final String groupAndOrderBySQL,
             final boolean includeJson) {
 
-        if ((!useType.equals("audit") && !useType.equals("makerchecker"))) {
+        if ((!useType.equals("audit") && !useType.equals("makerchecker") && !useType.equals("makerchecker-mine"))) {
             throw new PlatformDataIntegrityException("error.msg.invalid.auditSearchTemplate.useType",
                     "Invalid Audit Search Template UseType: " + useType);
         }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/api/LoanOriginationPipelineApiResource.java

@@ -137,6 +137,19 @@ public class LoanOriginationPipelineApiResource {
     // the updated application, so the client replaces its copy rather than guessing the result.
     // ─────────────────────────────────────────────────────────────────────────
 
+    @POST
+    @Path("{applicationNo}/deposit-selection-complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete Deposit Selection & Eligibility",
+            description = "Loan against a deposit only. Requires a saved deposit selection that covers the requested amount "
+                    + "and tenure; the credit bureau stage is skipped.")
+    public String completeDepositSelection(@PathParam("applicationNo") final String applicationNo,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeDepositSelection(applicationNo, apiRequestBodyAsJson);
+    }
+
     @POST
     @Path("{applicationNo}/kyc-complete")
     @Consumes(MediaType.APPLICATION_JSON)
@@ -239,8 +252,29 @@ public class LoanOriginationPipelineApiResource {
                     + "requires a resolution number and date. A REJECTED decision is always permitted.")
     public String decideApproval(@PathParam("applicationNo") final String applicationNo, @PathParam("field") final String field,
             final String apiRequestBodyAsJson) {
-        this.context.authenticatedUser();
-        return this.stageService.decideApproval(applicationNo, field, apiRequestBodyAsJson);
+        return this.stageService.decideApproval(applicationNo, field, apiRequestBodyAsJson,
+                this.context.authenticatedUser().getUsername());
+    }
+
+    @POST
+    @Path("{applicationNo}/approvals/{field}/submit")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Send a stage for approval",
+            description = "Maker step. The stage's checklist must be complete; a different user then approves or rejects it.")
+    public String submitApproval(@PathParam("applicationNo") final String applicationNo, @PathParam("field") final String field,
+            final String apiRequestBodyAsJson) {
+        return this.stageService.submitApproval(applicationNo, field, apiRequestBodyAsJson,
+                this.context.authenticatedUser().getUsername());
+    }
+
+    @POST
+    @Path("{applicationNo}/approvals/{field}/withdraw")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Withdraw an approval request", description = "Only the user who sent the request can withdraw it.")
+    public String withdrawApproval(@PathParam("applicationNo") final String applicationNo, @PathParam("field") final String field) {
+        return this.stageService.withdrawApproval(applicationNo, field, this.context.authenticatedUser().getUsername());
     }
 
     @POST

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationPipelineService.java

@@ -185,9 +185,29 @@ public class LoanOriginationPipelineService {
      */
     @Transactional
     public String save(final String applicationNo, final String requestBodyAsJson) {
+        // 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))) {
+            return findOneAsJson(applicationNo);
+        }
         return storeApplication(applicationNo, parseObject(requestBodyAsJson));
     }
 
+    private boolean hasPendingApprovalRequest(final JsonObject app) {
+        final JsonElement requests = app.get("approvalRequests");
+        if (requests == null || !requests.isJsonObject()) {
+            return false;
+        }
+        for (final java.util.Map.Entry<String, JsonElement> entry : requests.getAsJsonObject().entrySet()) {
+            final JsonElement request = entry.getValue();
+            if (request.isJsonObject() && request.getAsJsonObject().has("status")
+                    && "PENDING".equals(request.getAsJsonObject().get("status").getAsString())) {
+                return true;
+            }
+        }
+        return false;
+    }
+
     /** Writes a whole application object back. Shared by the full-object save and every per-stage
      *  endpoint, so both paths persist through exactly the same code. */
     @Transactional

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationStageService.java

@@ -36,6 +36,7 @@ import java.time.LocalDate;
 import java.time.format.DateTimeFormatter;
 import java.util.Arrays;
 import java.util.List;
+import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
@@ -71,15 +72,34 @@ public class LoanOriginationStageService {
     private static final DateTimeFormatter WORKFLOW_DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
 
     /** Must stay in step with STAGE_ORDER on the Application Detail screen. */
-    private static final List<String> STAGE_ORDER = List.of("APPLICATION", "KYC_DOCUMENTS", "CIC_CHECK", "FIELD_INVESTIGATION",
+    private static final List<String> STAGE_ORDER = List.of("APPLICATION", "KYC_DOCUMENTS", "DEPOSIT_SELECTION", "CIC_CHECK", "FIELD_INVESTIGATION",
             "PERSONAL_DISCUSSION", "CREDIT_COMMITTEE", "RISK_APPROVAL", "LEGAL_APPROVAL", "CUSTOMER_SIGNING", "CHEQUE_ACH",
             "POST_CHECK", "DISBURSED");
 
     private static final List<String> FI_CHECK_KEYS = List.of("addressVerification", "officeVerification", "propertyVerification",
             "shopVerification");
 
+    /** Short names of the loans against a deposit or policy (FD, RD, DDS, LIC): the deposit is the security. */
+    private static final Set<String> DEPOSIT_PRODUCT_CODES = Set.of("FD", "RD", "DS", "LI");
+
     private final LoanOriginationPipelineService pipelineService;
 
+    /** 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) {
+        final double value = selection.has("securityValue") ? selection.get("securityValue").getAsDouble() : 0;
+        final double limitPct = selection.has("limitPct") ? selection.get("limitPct").getAsDouble() : 85;
+        final double requested = intOr(app, "requestedAmount", 0);
+        if (requested > value * limitPct / 100 + 0.5) {
+            require(bool(selection, "over85") && !strOr(selection, "over85Reason", "").isBlank(),
+                    "The loan is above " + (int) limitPct + "% of the deposit; record the reason for sanctioning above the limit.");
+        }
+    }
+
+    private boolean isDepositLoan(final JsonObject app) {
+        final String code = str(app, "productCode");
+        return code != null && DEPOSIT_PRODUCT_CODES.contains(code);
+    }
+
     // ── KYC & Documents ──────────────────────────────────────────────────────
 
     @Transactional
@@ -90,16 +110,51 @@ public class LoanOriginationStageService {
 
         require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
         require(bool(app, "panVerified"), "PAN has not been verified.");
-        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
-        require(bool(app, "bankStatementSubmitted"), "Bank statement has not been submitted.");
-        require(bool(app, "electricityBillSubmitted"), "Address proof (electricity bill) has not been submitted.");
-        require(intOr(app, "monthlyIncome", 0) > 0, "Monthly income has not been assessed.");
+        final boolean depositLoan = isDepositLoan(app);
+        if (!depositLoan) {
+            // For a loan against a deposit these are optional: the deposit is the security.
+            require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+            require(bool(app, "bankStatementSubmitted"), "Bank statement has not been submitted.");
+            require(bool(app, "electricityBillSubmitted"), "Address proof (electricity bill) has not been submitted.");
+            require(intOr(app, "monthlyIncome", 0) > 0, "Monthly income has not been assessed.");
+        }
         for (final JsonElement element : arr(app, "productDocuments")) {
             final JsonObject doc = element.getAsJsonObject();
             require(bool(doc, "submitted"), "Required document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
         }
 
         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.
+            advance(app, actor(input), "Deposit Selection Not Required", "Not a loan against a deposit.");
+        }
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Deposit Selection & Eligibility (loan against FD / RD / DDS / LIC) ───
+
+    @Transactional
+    public String completeDepositSelection(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "DEPOSIT_SELECTION");
+        require(isDepositLoan(app), "Deposit selection applies only to a loan against a deposit.");
+
+        final JsonObject selection = obj(app, "depositSelection");
+        require(selection != null && bool(selection, "saved"), "No deposit has been selected and saved for this application.");
+        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),
+                "The tenure runs past the maturity of the selected deposits.");
+        requireWithinLimitOrException(app, selection);
+
+        advance(app, actor(input), "Deposit Selection Complete",
+                strOr(input, "remarks", "Deposit selected and eligibility confirmed."));
+        // No credit bureau check on a loan against a deposit: the stage is recorded as not required and skipped.
+        // The deposit is the security: no credit bureau check and no field investigation. Every other stage stays.
+        advance(app, actor(input), "CIC Not Required", "Loan against a deposit - no credit bureau check.");
+        advance(app, actor(input), "Field Investigation Not Required", "Loan against a deposit - no field investigation.");
         return pipelineService.storeApplication(applicationNo, app);
     }
 
@@ -186,7 +241,8 @@ public class LoanOriginationStageService {
         final JsonObject app = pipelineService.loadApplication(applicationNo);
         final JsonObject input = parseObject(body);
         requireStage(app, "PERSONAL_DISCUSSION");
-        require(bool(app, "meetingScheduled"), "The personal discussion meeting has not been scheduled.");
+        // A loan against a deposit has no meeting to schedule: the loan plan is reviewed instead.
+        require(isDepositLoan(app) || bool(app, "meetingScheduled"), "The personal discussion meeting has not been scheduled.");
 
         final String remarks = strOr(input, "remarks", "No discrepancy found — cleared to proceed to Loan Committee.");
         app.addProperty("discrepancyType", "NONE");
@@ -247,41 +303,144 @@ public class LoanOriginationStageService {
      *
      * @param field one of creditCommitteeApproval, riskApproval, legalApproval, postCheckApproval
      */
-    @Transactional
-    public String decideApproval(final String applicationNo, final String field, final String body) {
-        final JsonObject app = pipelineService.loadApplication(applicationNo);
-        final JsonObject input = parseObject(body);
-
-        final String decision = strOr(input, "decision", "APPROVED");
-        require(List.of("APPROVED", "REJECTED", "EXCEPTION_APPROVED").contains(decision), "Unknown decision: " + decision);
-
-        final String expectedStage = switch (field) {
+    private String approvalStage(final String field) {
+        return switch (field) {
             case "creditCommitteeApproval" -> "CREDIT_COMMITTEE";
             case "riskApproval" -> "RISK_APPROVAL";
             case "legalApproval" -> "LEGAL_APPROVAL";
             case "postCheckApproval" -> "POST_CHECK";
             default -> throw badRequest("Unknown approval stage: " + field);
         };
+    }
+
+    private void checkApprovalPrerequisites(final JsonObject app, final String field, final JsonObject input) {
+        switch (field) {
+            case "creditCommitteeApproval" -> requireCommitteeReportsReady(app, input);
+            case "riskApproval" -> requireRiskChecklistReady(app);
+            case "legalApproval" -> requireLegalChecklistDone(app);
+            case "postCheckApproval" -> requirePostCheckSignatures(app);
+            default -> throw badRequest("Unknown approval stage: " + field);
+        }
+    }
+
+    private JsonObject pendingRequest(final JsonObject app, final String field) {
+        final JsonObject requests = obj(app, "approvalRequests");
+        final JsonObject request = requests == null ? null : obj(requests, field);
+        return request != null && "PENDING".equals(str(request, "status")) ? request : null;
+    }
+
+    /**
+     * Maker step: the stage's checklist is complete, and the decision is sent to someone else. Nothing advances until
+     * a different user approves it.
+     */
+    @Transactional
+    public String submitApproval(final String applicationNo, final String field, final String body, final String user) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        final String expectedStage = approvalStage(field);
         requireStage(app, expectedStage);
+        require(pendingRequest(app, field) == null, "This stage has already been sent for approval.");
+
+        final String requested = strOr(input, "decision", "APPROVED");
+        require(List.of("APPROVED", "EXCEPTION_APPROVED").contains(requested), "Unknown decision: " + requested);
+        checkApprovalPrerequisites(app, field, input);
+
+        final String remarks = strOr(input, "remarks", "Sent for approval.");
+        final JsonObject request = new JsonObject();
+        request.addProperty("status", "PENDING");
+        request.addProperty("submittedBy", user);
+        request.addProperty("submittedOn", today());
+        request.addProperty("requestedDecision", requested);
+        request.addProperty("remarks", remarks);
+        request.addProperty("resolutionNo", strOr(input, "resolutionNo", ""));
+        request.addProperty("resolutionDate", strOr(input, "resolutionDate", ""));
+        // What the sender had verified when sending: kept as it was, for the approver to review.
+        if (input.has("checklist") && input.get("checklist").isJsonArray()) {
+            request.add("checklist", input.getAsJsonArray("checklist"));
+        }
+        objOrCreate(app, "approvalRequests").add(field, request);
+
+        appendHistory(app, expectedStage, user, "Sent for Approval", remarks);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String withdrawApproval(final String applicationNo, final String field, final String user) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final String expectedStage = approvalStage(field);
+        requireStage(app, expectedStage);
+        final JsonObject request = pendingRequest(app, field);
+        require(request != null, "There is no pending approval request on this stage.");
+        require(user.equalsIgnoreCase(str(request, "submittedBy")), "Only the person who sent the request can withdraw it.");
+        request.addProperty("status", "WITHDRAWN");
+        appendHistory(app, expectedStage, user, "Approval Request Withdrawn", "Withdrawn by " + user + ".");
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    /**
+     * The approver has to have ticked every row the sender verified, and the sender must not have left any row
+     * unverified. Requests sent before the checklist was recorded are not held to this.
+     */
+    private void requireCheckerVerified(final JsonObject request, final JsonObject input) {
+        if (!request.has("checklist") || !request.get("checklist").isJsonArray()) {
+            return;
+        }
+        final java.util.Set<String> ticked = new java.util.HashSet<>();
+        if (input.has("checkerChecklist") && input.get("checkerChecklist").isJsonArray()) {
+            for (final JsonElement element : input.getAsJsonArray("checkerChecklist")) {
+                final JsonObject row = element.getAsJsonObject();
+                if (bool(row, "ok")) {
+                    ticked.add(str(row, "label"));
+                }
+            }
+        }
+        for (final JsonElement element : request.getAsJsonArray("checklist")) {
+            final JsonObject row = element.getAsJsonObject();
+            final String label = strOr(row, "label", "item");
+            require(bool(row, "ok"), "Cannot approve: the sender did not verify \"" + label + "\".");
+            require(ticked.contains(label), "Tick every row you have verified before approving: \"" + label + "\".");
+        }
+    }
+
+    /** Checker step: a different user approves or rejects 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);
+
+        final String expectedStage = approvalStage(field);
+        requireStage(app, expectedStage);
+
+        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");
+        }
+
+        if (!"REJECTED".equals(decision)) {
+            requireCheckerVerified(request, input);
+        }
 
         // Prerequisites are only enforced for a positive decision: a rejection 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)) {
-            switch (field) {
-                case "creditCommitteeApproval" -> requireCommitteeReportsReady(app, input);
-                case "riskApproval" -> requireRiskChecklistReady(app);
-                case "legalApproval" -> requireLegalChecklistDone(app);
-                case "postCheckApproval" -> requirePostCheckSignatures(app);
-                default -> throw badRequest("Unknown approval stage: " + field);
-            }
+            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)) {
             // 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(input, "resolutionNo", "");
-            final String resolutionDate = strOr(input, "resolutionDate", "");
+            final String resolutionNo = strOr(resolution, "resolutionNo", "");
+            final String resolutionDate = strOr(resolution, "resolutionDate", "");
             app.addProperty("committeeResolutionNo", resolutionNo);
             app.addProperty("committeeResolutionDate", resolutionDate);
             remarks = remarks + " (Resolution No. " + resolutionNo + " dated " + resolutionDate + ")";
@@ -289,22 +448,27 @@ public class LoanOriginationStageService {
 
         final JsonObject approval = objOrCreate(app, field);
         approval.addProperty("decision", decision);
-        approval.addProperty("approverName", strOr(input, "approverName", "Bank Staff"));
+        approval.addProperty("approverName", user);
         approval.addProperty("approverRole", strOr(input, "approverRole", expectedStage));
         approval.addProperty("date", today());
         approval.addProperty("remarks", remarks);
 
+        if (input.has("checkerChecklist") && input.get("checkerChecklist").isJsonArray()) {
+            request.add("checkerChecklist", input.getAsJsonArray("checkerChecklist"));
+        }
+        request.addProperty("status", decision);
+        request.addProperty("decidedBy", user);
+        request.addProperty("decidedOn", today());
+
         if ("REJECTED".equals(decision)) {
             app.addProperty("overallStatus", "REJECTED");
-            appendHistory(app, str(app, "currentStage"), actor(input), "Rejected", remarks);
+            appendHistory(app, str(app, "currentStage"), user, "Rejected", remarks);
         } else {
-            advance(app, actor(input), "EXCEPTION_APPROVED".equals(decision) ? "Approved on Exception" : "Approved", remarks);
+            advance(app, user, "EXCEPTION_APPROVED".equals(decision) ? "Approved on Exception" : "Approved", remarks);
         }
         return pipelineService.storeApplication(applicationNo, app);
     }
 
-    // ── Signing / Cheque-ACH / Disbursement ──────────────────────────────────
-
     @Transactional
     public String markSigned(final String applicationNo, final String body) {
         final JsonObject app = pipelineService.loadApplication(applicationNo);
@@ -315,6 +479,11 @@ public class LoanOriginationStageService {
         app.addProperty("customerSigningDate", today());
         advance(app, strOr(input, "actionBy", strOr(app, "applicantName", "Customer")), "Signed",
                 strOr(input, "remarks", "Loan agreement signed by the customer."));
+        if (isDepositLoan(app)) {
+            // Recovery of a loan against a deposit is by set-off against the lien (policy 9.5), so no security cheque / ACH mandate.
+            advance(app, actor(input), "Cheque & ACH Not Required",
+                    "Loan against a deposit - recovery by set-off against the lien.");
+        }
         return pipelineService.storeApplication(applicationNo, app);
     }
 
@@ -323,6 +492,12 @@ public class LoanOriginationStageService {
         final JsonObject app = pipelineService.loadApplication(applicationNo);
         final JsonObject input = parseObject(body);
         requireStage(app, "CHEQUE_ACH");
+        if (isDepositLoan(app)) {
+            // An application that was already waiting at this stage before it was made optional for deposit loans.
+            advance(app, actor(input), "Cheque & ACH Not Required",
+                    "Loan against a deposit - recovery by set-off against the lien.");
+            return pipelineService.storeApplication(applicationNo, app);
+        }
         require(bool(app, "chequeReceived"), "Security cheques have not been received.");
         require(bool(app, "achSigned"), "The ACH/NACH mandate has not been signed.");
 
@@ -350,6 +525,14 @@ public class LoanOriginationStageService {
                     "Cannot disburse: " + field + " is not approved.");
         }
         require(filled(app, "customerSigningDate"), "The customer has not signed the loan agreement.");
+        if (isDepositLoan(app)) {
+            final JsonObject selection = obj(app, "depositSelection");
+            // The product decides whether a lien is required (Product Creation > Security & Lien); it defaults to required.
+            final boolean lienRequired = selection == null || !selection.has("lienRequired") || bool(selection, "lienRequired");
+            final JsonObject lien = obj(app, "lien");
+            require(!lienRequired || (lien != null && bool(lien, "marked")),
+                    "Cannot disburse: the lien on the pledged deposit has not been marked.");
+        }
 
         final String mode = strOr(input, "disbursementMode", "Account Credit");
         app.addProperty("disbursementDate", today());
@@ -390,29 +573,50 @@ public class LoanOriginationStageService {
     }
 
     private void requireCommitteeReportsReady(final JsonObject app, final JsonObject input) {
-        require(bool(app, "cicReportUploaded"), "The credit bureau report is not on file.");
+        final boolean depositLoan = isDepositLoan(app);
+        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")) {
             require(bool(app, "cersaiSearchDone"), "The CERSAI search has not been done.");
         }
         require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
         require(bool(app, "panVerified"), "PAN has not been verified.");
-        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
-        requireFieldInvestigationComplete(app);
-        require(bool(app, "managerMeetingDone"), "The manager meeting has not been recorded.");
+        if (!depositLoan) {
+            require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+            requireFieldInvestigationComplete(app);
+        }
+        require(depositLoan || bool(app, "managerMeetingDone"), "The manager meeting has not been recorded.");
         require(!strOr(input, "resolutionNo", "").isBlank(), "A committee resolution number is required.");
         require(!strOr(input, "resolutionDate", "").isBlank(), "A committee resolution date is required.");
     }
 
     private void requireRiskChecklistReady(final JsonObject app) {
-        requireCheckVerified(app, "addressVerification", "Address verification");
-        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        final boolean depositLoan = isDepositLoan(app);
+        if (depositLoan) {
+            // What Risk confirms on a loan against a deposit: KYC done, and the deposit still covers the loan.
+            require(bool(app, "aadhaarVerified") && bool(app, "panVerified"), "KYC (Aadhaar and PAN) is not verified.");
+            final JsonObject selection = obj(app, "depositSelection");
+            require(selection != null && bool(selection, "saved"), "No deposit has been selected and saved for this application.");
+            require(intOr(selection, "eligibleAmount", 0) >= intOr(app, "requestedAmount", 0),
+                    "The loan is more than the eligible amount on the pledged deposit.");
+            require(intOr(app, "tenureMonths", 0) <= intOr(selection, "maxTenure", 0),
+                    "The tenure runs past the maturity of the pledged deposit.");
+            requireWithinLimitOrException(app, selection);
+        }
+        if (!depositLoan) {
+            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")) {
             require(bool(app, "propertySearchReportDone"), "The property search report is not on file.");
             require(bool(app, "valuationReportConfirmed"), "The valuation report has not been confirmed.");
         }
-        requireFieldInvestigationComplete(app);
+        if (!depositLoan) {
+            requireFieldInvestigationComplete(app);
+        }
         require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
         if (bool(app, "guarantorRequired")) {
             // A guarantor at a co-operative bank has to be an existing member, not just a name: an
@@ -424,21 +628,31 @@ public class LoanOriginationStageService {
     }
 
     private void requireLegalChecklistDone(final JsonObject app) {
-        require(bool(app, "feesAndAccountOpened"), "Fees and account opening are not complete.");
+        // A loan against a deposit needs only the stamp duty at this stage (policy 9.5): no fee or file-filing proof.
+        final boolean depositLoan = isDepositLoan(app);
+        require(depositLoan || bool(app, "feesAndAccountOpened"), "The processing fee has not been collected.");
         if (bool(app, "secured")) {
             require(bool(app, "mortgageCreated"), "The mortgage has not been created.");
         }
         require(bool(app, "legalStampDone"), "Legal stamping is not complete.");
-        require(bool(app, "fileFilingDone"), "File filing is not complete.");
+        require(depositLoan || bool(app, "fileFilingDone"), "File filing is not complete.");
         for (final JsonElement element : arr(app, "legalDocuments")) {
             final JsonObject doc = element.getAsJsonObject();
+            if (depositLoan && !bool(doc, "custom")
+                    && ("feeReceipt".equals(str(doc, "key")) || "fileFilingAck".equals(str(doc, "key")))) {
+                continue;
+            }
             require(bool(doc, "submitted"), "Legal document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
         }
     }
 
     private void requirePostCheckSignatures(final JsonObject app) {
-        require(bool(app, "signedByAgent"), "The agent has not signed off.");
         require(bool(app, "signedByManager"), "The manager has not signed off.");
+        if (isDepositLoan(app)) {
+            // Committee, risk and legal already approved through their own maker-checker stages.
+            return;
+        }
+        require(bool(app, "signedByAgent"), "The agent has not signed off.");
         require(bool(app, "signedByCommittee"), "The committee has not signed off.");
         require(bool(app, "signedByRiskApproval"), "Risk approval has not signed off.");
         require(bool(app, "signedByLegalApproval"), "Legal approval has not signed off.");

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/serialization/LoanProductDataValidator.java

@@ -679,8 +679,9 @@ public final class LoanProductDataValidator {
 
             final Long transfersInSuspenseAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), element);
+            // not mapped by the bank (only the nine GLs are); optional
             baseDataValidator.reset().parameter(LoanProductAccountingParams.TRANSFERS_SUSPENSE.getValue())
-                    .value(transfersInSuspenseAccountId).notNull().integerGreaterThanZero();
+                    .value(transfersInSuspenseAccountId).ignoreIfNull().integerGreaterThanZero();
 
             final Long incomeFromInterestId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.INTEREST_ON_LOANS.getValue(), element);
@@ -700,7 +701,7 @@ public final class LoanProductDataValidator {
             final Long incomeFromRecoveryAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue(), element);
             baseDataValidator.reset().parameter(LoanProductAccountingParams.INCOME_FROM_RECOVERY.getValue())
-                    .value(incomeFromRecoveryAccountId).notNull().integerGreaterThanZero();
+                    .value(incomeFromRecoveryAccountId).ignoreIfNull().integerGreaterThanZero();
 
             final Long writeOffAccountId = this.fromApiJsonHelper
                     .extractLongNamed(LoanProductAccountingParams.LOSSES_WRITTEN_OFF.getValue(), element);

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanProductAdvanceExtService.java

@@ -9,11 +9,15 @@ package org.apache.fineract.portfolio.loanproduct.service;
 
 import com.google.gson.JsonElement;
 import java.math.BigDecimal;
+import java.util.ArrayList;
 import java.util.LinkedHashMap;
+import java.util.List;
 import java.util.Map;
 import java.util.Objects;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProductAdvanceExt;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProductAdvanceExtRepository;
@@ -43,7 +47,8 @@ public class LoanProductAdvanceExtService {
             "securityType", "chargeType", "eligibleAmountBasis", "margin", "ltv", "dpMethod", "lienRequired",
             "lienMarkingStage", "lienCertificateRequired", "lienCertificatePrefix", "printCertificateOnDisbursement",
             "interestBasis", "spread", "interestChargedOn", "interestPostingFrequency", "penalApplicable", "penalRate",
-            "penalAppliedOn", "penalGraceDays", "npaTrigger", "interestAfterNpa", "undebitedInterestGlId",
+            "penalAppliedOn", "penalGraceDays", "npaTrigger", "smaStartAfterMonths", "stockStatementValidityDays", "memberRequired", "guarantorMustBeMember",
+            "incomeMultiple", "minVintageMonths", "requiredDocuments", "interestAfterNpa", "undebitedInterestGlId",
             "renewalAllowed", "renewalPeriodMonths", "renewalGraceDays", "preclosureAllowed", "lockInMonths",
             "interestOnPreclosure", "revaluationFreqMonths", "insuranceRequired", "stockStatementFreqMonths",
             "chequeBookEnabled", "chequeType", "defaultChequeBookSize", "ppsThreshold", "ppsMandatoryAbove",
@@ -76,7 +81,17 @@ public class LoanProductAdvanceExtService {
             "partPrepaymentAllowed", "minPartPayment", "allowedOn", "partPaymentsPerYear",
             "partPrepaymentMode", "foreclosureFloatingIndividual", "foreclosureFixedIndividual", "foreclosureNonIndividual",
             "foreclosureTakeover", "foreclosureQuoteValidDays", "autoCloseOnZeroBalance", "nocLetter",
-            "restructuring", "releaseCollateralOnClosure", "topUpAllowed", "balanceTransferOutAllowed" };
+            "restructuring", "releaseCollateralOnClosure", "topUpAllowed", "balanceTransferOutAllowed",
+            // SICR & LGD (RBI 2026 ECL framework)
+            "sicrDaysThreshold", "sicrRevolvingDaysThreshold", "sicrRatingDowngradeNotches", "sicrPricingIncreaseTriggerPct",
+            "sicrAssessmentBasis", "sicrRebuttalAllowed", "npaOutOfOrderBasis", "cropDuration", "useOwnLgdModel", "lgdSecuredPct",
+            "lgdUnsecuredPct", "eligibleCollateralType",
+            // Loan against Gold
+            "goldMaxLtv", "goldMinPurityCarat", "goldRateSource", "goldMaxPerGram", "goldMinNetWeight", "goldMaxNetWeightPerCustomer", "goldAllowedItems", "goldAppraiserRequired", "goldValuationCertificateRequired", "goldMaxValuationPerAppraiser", "goldPacketPrefix", "goldAuctionNoticeDays", "goldRevalueOnNpa", "goldRevaluationChargeApplicable",
+            "goldPartialReleaseAllowed", "goldThirdPartyAllowed", "goldDisbursementMode", "goldCashDisbursementLimit",
+            "goldLtvBreachAlert", "goldAuctionReservePct", "goldRedeemBeforeAuction",
+            // Loan against Warehouse Receipt
+            "wrMaxLtv", "wrReceiptType", "wrWdraRegistered", "wrAssayCertificateRequired", "wrTenureWithinReceiptValidity", "wrPledgeMarkedBeforeDisbursement", "wrCommodityGroups", "wrValuationPriceSource", "wrMaxLoanPerQuintal", "wrStockInspectionMonths", "wrLtvBreachAlert", "wrPartialReleaseAllowed", "wrDisposalNoticeDays", "wrDisposalReservePct", "wrRedeemBeforeDisposal" };
 
     /**
      * Insert or partial-update the satellite for this product. Returns the fields that actually changed so the
@@ -90,10 +105,205 @@ public class LoanProductAdvanceExtService {
         final LoanProductAdvanceExt ext = this.repository.findByLoanProductId(loanProduct.getId())
                 .orElseGet(() -> new LoanProductAdvanceExt(loanProduct));
         applyScalarFields(ext, command, changes);
+        validateGold(ext, command);
+        validateWarehouse(ext, command);
         this.repository.save(ext);
         return changes;
     }
 
+    /** Longest tenure of a bullet Gold loan, in months. */
+    private static final int GOLD_MAX_TENURE_MONTHS = 12;
+
+    /** The most that may be paid out in cash against one gold loan (Income Tax Sec 269SS). */
+    private static final BigDecimal GOLD_CASH_LIMIT = BigDecimal.valueOf(20000);
+
+    /**
+     * Loan against Gold rules, checked on the merged state (what is stored plus what this command changes), so a
+     * partial edit cannot leave the product inconsistent: the LTV cap must cover the LTV the margin gives, the
+     * purity floor is 18 to 24 carat, and a bullet gold loan runs at most 12 months.
+     */
+    private void validateGold(final LoanProductAdvanceExt ext, final JsonCommand command) {
+        if (!"gold".equals(ext.getProductTypeSubGroup())) {
+            return;
+        }
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final BigDecimal hundred = BigDecimal.valueOf(100);
+        final BigDecimal cap = ext.getGoldMaxLtvPct();
+        if (cap == null || cap.signum() <= 0 || cap.compareTo(hundred) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.maxLtv.invalid",
+                    "Maximum LTV cap is required and must be above 0 and at most 100", "goldMaxLtv"));
+        } else if (ext.getMarginPct() != null && hundred.subtract(ext.getMarginPct()).compareTo(cap) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.margin.ltvAboveCap",
+                    "Margin gives an LTV above the Maximum LTV cap; raise the margin or the cap", "margin"));
+        }
+        final Integer purity = ext.getGoldMinPurityCarat();
+        if (purity == null || purity < 18 || purity > 24) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.minPurity.invalid",
+                    "Minimum purity must be between 18 and 24 carat", "goldMinPurityCarat"));
+        }
+        if (isBlank(ext.getGoldRateSource())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.rateSource.required",
+                    "Valuation rate source is required", "goldRateSource"));
+        }
+        if (isBlank(ext.getGoldAllowedItems())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.allowedItems.required",
+                    "Allowed items is required", "goldAllowedItems"));
+        }
+        if (ext.getGoldAuctionNoticeDays() == null || ext.getGoldAuctionNoticeDays() < 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.auctionNotice.invalid",
+                    "Auction notice period is required and cannot be negative", "goldAuctionNoticeDays"));
+        }
+        if (ext.getGoldMinNetWeightG() != null && ext.getGoldMaxNetWeightPerCustomerG() != null
+                && ext.getGoldMinNetWeightG().compareTo(ext.getGoldMaxNetWeightPerCustomerG()) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.netWeight.range",
+                    "Minimum net weight cannot exceed the maximum per customer", "goldMinNetWeight"));
+        }
+        final BigDecimal alert = ext.getGoldLtvBreachAlertPct();
+        if (alert == null || alert.signum() <= 0 || alert.compareTo(hundred) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.ltvAlert.invalid",
+                    "LTV breach alert is required and must be above 0 and at most 100", "goldLtvBreachAlert"));
+        } else if (cap != null && alert.compareTo(cap) < 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.ltvAlert.belowCap",
+                    "LTV breach alert cannot be below the Maximum LTV cap", "goldLtvBreachAlert"));
+        }
+        final BigDecimal reserve = ext.getGoldAuctionReservePct();
+        if (reserve == null || reserve.signum() <= 0 || reserve.compareTo(hundred) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.auctionReserve.invalid",
+                    "Auction reserve price is required and must be above 0 and at most 100 percent of market value",
+                    "goldAuctionReservePct"));
+        }
+        if (!Boolean.TRUE.equals(ext.getGoldRedeemBeforeAuction())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.redeem.mandatory",
+                    "The customer's right to redeem before the auction cannot be switched off", "goldRedeemBeforeAuction"));
+        }
+        final String mode = ext.getGoldDisbursementMode();
+        if (!"account_credit".equals(mode) && !"account_credit_cash_limit".equals(mode)) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.disbursementMode.invalid",
+                    "Disbursement mode must be account credit, or account credit with a cash limit",
+                    "goldDisbursementMode"));
+        } else if ("account_credit_cash_limit".equals(mode)) {
+            final BigDecimal cashLimit = ext.getGoldCashDisbursementLimit();
+            if (cashLimit == null || cashLimit.signum() < 0 || cashLimit.compareTo(GOLD_CASH_LIMIT) > 0) {
+                errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.cashLimit.invalid",
+                        "Cash disbursement limit must be between 0 and 20,000 (Income Tax Sec 269SS)",
+                        "goldCashDisbursementLimit"));
+            }
+        }
+        if (command.parameterExists("maxNumberOfRepayments")) {
+            final Integer maxTenure = command.integerValueOfParameterNamed("maxNumberOfRepayments");
+            if (maxTenure != null && maxTenure > GOLD_MAX_TENURE_MONTHS) {
+                errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.gold.tenure.exceeds",
+                        "A gold loan runs at most " + GOLD_MAX_TENURE_MONTHS + " months", "maxNumberOfRepayments"));
+            }
+        }
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException(errors);
+        }
+    }
+
+    /** Longest tenure of a warehouse receipt loan, in months. */
+    private static final int WAREHOUSE_MAX_TENURE_MONTHS = 12;
+
+    private static final java.util.Set<String> WR_RECEIPT_TYPES = java.util.Set.of("e_nwr", "paper_nwr", "both");
+    private static final java.util.Set<String> WR_COMMODITY_GROUPS = java.util.Set.of("cereals", "pulses", "oilseeds", "spices",
+            "others");
+    private static final java.util.Set<String> WR_PRICE_SOURCES = java.util.Set.of("mandi_apmc", "msp", "exchange_ncdex",
+            "bank_assessed");
+
+    /**
+     * Loan against Warehouse Receipt rules, checked on the merged state like the gold rules: the LTV cap must cover the
+     * LTV the margin gives, the alert level must not sit below the cap, the receipt must come from a WDRA-registered
+     * warehouse with an assay certificate, the customer's right to redeem stays on, and the loan runs at most 12 months.
+     */
+    private void validateWarehouse(final LoanProductAdvanceExt ext, final JsonCommand command) {
+        if (!"warehouse".equals(ext.getProductTypeSubGroup())) {
+            return;
+        }
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final BigDecimal hundred = BigDecimal.valueOf(100);
+        final BigDecimal cap = ext.getWrMaxLtvPct();
+        if (cap == null || cap.signum() <= 0 || cap.compareTo(hundred) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.maxLtv.invalid",
+                    "Maximum LTV cap is required and must be above 0 and at most 100", "wrMaxLtv"));
+        } else if (ext.getMarginPct() != null && hundred.subtract(ext.getMarginPct()).compareTo(cap) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.margin.ltvAboveCap",
+                    "Margin gives an LTV above the Maximum LTV cap; raise the margin or the cap", "margin"));
+        }
+        if (!WR_RECEIPT_TYPES.contains(ext.getWrReceiptType())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.receiptType.invalid",
+                    "Receipt type must be e-NWR, paper NWR or both", "wrReceiptType"));
+        }
+        if (!Boolean.TRUE.equals(ext.getWrWdraRegistered())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.wdra.mandatory",
+                    "The warehouse must be WDRA-registered; this cannot be switched off", "wrWdraRegistered"));
+        }
+        if (!Boolean.TRUE.equals(ext.getWrAssayCertificateRequired())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.assay.mandatory",
+                    "A quality / assay certificate is mandatory; this cannot be switched off", "wrAssayCertificateRequired"));
+        }
+        if (isBlank(ext.getWrCommodityGroups())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.commodityGroups.required",
+                    "Pick at least one eligible commodity group", "wrCommodityGroups"));
+        } else {
+            for (final String group : ext.getWrCommodityGroups().split("\\|")) {
+                if (!WR_COMMODITY_GROUPS.contains(group)) {
+                    errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.commodityGroups.invalid",
+                            "Unknown commodity group: " + group, "wrCommodityGroups"));
+                    break;
+                }
+            }
+        }
+        if (!WR_PRICE_SOURCES.contains(ext.getWrValuationPriceSource())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.priceSource.invalid",
+                    "Valuation price source is required", "wrValuationPriceSource"));
+        }
+        if (ext.getWrMaxLoanPerQuintal() != null && ext.getWrMaxLoanPerQuintal().signum() <= 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.maxPerQuintal.invalid",
+                    "Max loan per quintal must be above 0", "wrMaxLoanPerQuintal"));
+        }
+        if (ext.getWrStockInspectionMonths() == null || ext.getWrStockInspectionMonths() < 1) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.inspection.invalid",
+                    "Stock inspection frequency must be at least 1 month", "wrStockInspectionMonths"));
+        }
+        final BigDecimal alert = ext.getWrLtvBreachAlertPct();
+        if (alert == null || alert.signum() <= 0 || alert.compareTo(hundred) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.ltvAlert.invalid",
+                    "LTV breach alert is required and must be above 0 and at most 100", "wrLtvBreachAlert"));
+        } else if (cap != null && alert.compareTo(cap) < 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.ltvAlert.belowCap",
+                    "LTV breach alert cannot be below the Maximum LTV cap", "wrLtvBreachAlert"));
+        }
+        if (ext.getWrDisposalNoticeDays() == null || ext.getWrDisposalNoticeDays() < 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.disposalNotice.invalid",
+                    "Disposal notice period is required and cannot be negative", "wrDisposalNoticeDays"));
+        }
+        final BigDecimal reserve = ext.getWrDisposalReservePct();
+        if (reserve == null || reserve.signum() <= 0 || reserve.compareTo(hundred) > 0) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.disposalReserve.invalid",
+                    "Disposal reserve price is required and must be above 0 and at most 100 percent of market value",
+                    "wrDisposalReservePct"));
+        }
+        if (!Boolean.TRUE.equals(ext.getWrRedeemBeforeDisposal())) {
+            errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.redeem.mandatory",
+                    "The customer's right to redeem before the disposal cannot be switched off", "wrRedeemBeforeDisposal"));
+        }
+        if (command.parameterExists("maxNumberOfRepayments")) {
+            final Integer maxTenure = command.integerValueOfParameterNamed("maxNumberOfRepayments");
+            if (maxTenure != null && maxTenure > WAREHOUSE_MAX_TENURE_MONTHS) {
+                errors.add(ApiParameterError.parameterError("validation.msg.loanproduct.warehouse.tenure.exceeds",
+                        "A warehouse receipt loan runs at most " + WAREHOUSE_MAX_TENURE_MONTHS + " months",
+                        "maxNumberOfRepayments"));
+            }
+        }
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException(errors);
+        }
+    }
+
+    private static boolean isBlank(final String value) {
+        return value == null || value.isBlank();
+    }
+
     public Map<String, Object> retrieveAsMap(final Long loanProductId) {
         return this.repository.findByLoanProductId(loanProductId).map(LoanProductAdvanceExtService::toMap)
                 .orElseGet(LinkedHashMap::new);
@@ -155,6 +365,14 @@ public class LoanProductAdvanceExtService {
         setString(command, "penalAppliedOn", ext::getPenalAppliedOn, ext::setPenalAppliedOn, changes);
         setInteger(command, "penalGraceDays", ext::getPenalGraceDays, ext::setPenalGraceDays, changes);
         setString(command, "npaTrigger", ext::getNpaTrigger, ext::setNpaTrigger, changes);
+        setInteger(command, "smaStartAfterMonths", ext::getSmaStartAfterMonths, ext::setSmaStartAfterMonths, changes);
+        setBoolean(command, "memberRequired", ext::getMemberRequired, ext::setMemberRequired, changes);
+        setBoolean(command, "guarantorMustBeMember", ext::getGuarantorMustBeMember, ext::setGuarantorMustBeMember, changes);
+        setDecimal(command, "incomeMultiple", ext::getIncomeMultiple, ext::setIncomeMultiple, changes);
+        setInteger(command, "minVintageMonths", ext::getMinVintageMonths, ext::setMinVintageMonths, changes);
+        setString(command, "requiredDocuments", ext::getRequiredDocuments, ext::setRequiredDocuments, changes);
+        setInteger(command, "stockStatementValidityDays", ext::getStockStatementValidityDays,
+                ext::setStockStatementValidityDays, changes);
         setString(command, "interestAfterNpa", ext::getInterestAfterNpa, ext::setInterestAfterNpa, changes);
         setLong(command, "undebitedInterestGlId", ext::getUndebitedInterestGlId, ext::setUndebitedInterestGlId, changes);
         setBoolean(command, "renewalAllowed", ext::getRenewalAllowed, ext::setRenewalAllowed, changes);
@@ -163,6 +381,48 @@ public class LoanProductAdvanceExtService {
         setString(command, "preclosureAllowed", ext::getPreclosureAllowed, ext::setPreclosureAllowed, changes);
         setInteger(command, "lockInMonths", ext::getLockInMonths, ext::setLockInMonths, changes);
         setString(command, "interestOnPreclosure", ext::getInterestOnPreclosure, ext::setInterestOnPreclosure, changes);
+        setDecimal(command, "goldMaxLtv", ext::getGoldMaxLtvPct, ext::setGoldMaxLtvPct, changes);
+        setInteger(command, "goldMinPurityCarat", ext::getGoldMinPurityCarat, ext::setGoldMinPurityCarat, changes);
+        setString(command, "goldRateSource", ext::getGoldRateSource, ext::setGoldRateSource, changes);
+        setDecimal(command, "goldMaxPerGram", ext::getGoldMaxPerGram, ext::setGoldMaxPerGram, changes);
+        setDecimal(command, "goldMinNetWeight", ext::getGoldMinNetWeightG, ext::setGoldMinNetWeightG, changes);
+        setDecimal(command, "goldMaxNetWeightPerCustomer", ext::getGoldMaxNetWeightPerCustomerG, ext::setGoldMaxNetWeightPerCustomerG, changes);
+        setString(command, "goldAllowedItems", ext::getGoldAllowedItems, ext::setGoldAllowedItems, changes);
+        setBoolean(command, "goldAppraiserRequired", ext::getGoldAppraiserRequired, ext::setGoldAppraiserRequired, changes);
+        setBoolean(command, "goldValuationCertificateRequired", ext::getGoldValuationCertificateRequired, ext::setGoldValuationCertificateRequired, changes);
+        setDecimal(command, "goldMaxValuationPerAppraiser", ext::getGoldMaxValuationPerAppraiser, ext::setGoldMaxValuationPerAppraiser, changes);
+        setString(command, "goldPacketPrefix", ext::getGoldPacketPrefix, ext::setGoldPacketPrefix, changes);
+        setInteger(command, "goldAuctionNoticeDays", ext::getGoldAuctionNoticeDays, ext::setGoldAuctionNoticeDays, changes);
+        setBoolean(command, "goldRevalueOnNpa", ext::getGoldRevalueOnNpa, ext::setGoldRevalueOnNpa, changes);
+        setBoolean(command, "goldRevaluationChargeApplicable", ext::getGoldRevaluationChargeApplicable,
+                ext::setGoldRevaluationChargeApplicable, changes);
+        setBoolean(command, "goldPartialReleaseAllowed", ext::getGoldPartialReleaseAllowed,
+                ext::setGoldPartialReleaseAllowed, changes);
+        setBoolean(command, "goldThirdPartyAllowed", ext::getGoldThirdPartyAllowed, ext::setGoldThirdPartyAllowed,
+                changes);
+        setString(command, "goldDisbursementMode", ext::getGoldDisbursementMode, ext::setGoldDisbursementMode, changes);
+        setDecimal(command, "goldCashDisbursementLimit", ext::getGoldCashDisbursementLimit,
+                ext::setGoldCashDisbursementLimit, changes);
+        setDecimal(command, "goldLtvBreachAlert", ext::getGoldLtvBreachAlertPct, ext::setGoldLtvBreachAlertPct, changes);
+        setDecimal(command, "goldAuctionReservePct", ext::getGoldAuctionReservePct, ext::setGoldAuctionReservePct,
+                changes);
+        setBoolean(command, "goldRedeemBeforeAuction", ext::getGoldRedeemBeforeAuction, ext::setGoldRedeemBeforeAuction,
+                changes);
+        setDecimal(command, "wrMaxLtv", ext::getWrMaxLtvPct, ext::setWrMaxLtvPct, changes);
+        setString(command, "wrReceiptType", ext::getWrReceiptType, ext::setWrReceiptType, changes);
+        setBoolean(command, "wrWdraRegistered", ext::getWrWdraRegistered, ext::setWrWdraRegistered, changes);
+        setBoolean(command, "wrAssayCertificateRequired", ext::getWrAssayCertificateRequired, ext::setWrAssayCertificateRequired, changes);
+        setBoolean(command, "wrTenureWithinReceiptValidity", ext::getWrTenureWithinReceiptValidity, ext::setWrTenureWithinReceiptValidity, changes);
+        setBoolean(command, "wrPledgeMarkedBeforeDisbursement", ext::getWrPledgeMarkedBeforeDisbursement, ext::setWrPledgeMarkedBeforeDisbursement, changes);
+        setString(command, "wrCommodityGroups", ext::getWrCommodityGroups, ext::setWrCommodityGroups, changes);
+        setString(command, "wrValuationPriceSource", ext::getWrValuationPriceSource, ext::setWrValuationPriceSource, changes);
+        setDecimal(command, "wrMaxLoanPerQuintal", ext::getWrMaxLoanPerQuintal, ext::setWrMaxLoanPerQuintal, changes);
+        setInteger(command, "wrStockInspectionMonths", ext::getWrStockInspectionMonths, ext::setWrStockInspectionMonths, changes);
+        setDecimal(command, "wrLtvBreachAlert", ext::getWrLtvBreachAlertPct, ext::setWrLtvBreachAlertPct, changes);
+        setBoolean(command, "wrPartialReleaseAllowed", ext::getWrPartialReleaseAllowed, ext::setWrPartialReleaseAllowed, changes);
+        setInteger(command, "wrDisposalNoticeDays", ext::getWrDisposalNoticeDays, ext::setWrDisposalNoticeDays, changes);
+        setDecimal(command, "wrDisposalReservePct", ext::getWrDisposalReservePct, ext::setWrDisposalReservePct, changes);
+        setBoolean(command, "wrRedeemBeforeDisposal", ext::getWrRedeemBeforeDisposal, ext::setWrRedeemBeforeDisposal, changes);
         setInteger(command, "revaluationFreqMonths", ext::getRevaluationFreqMonths, ext::setRevaluationFreqMonths,
                 changes);
         setBoolean(command, "insuranceRequired", ext::getInsuranceRequired, ext::setInsuranceRequired, changes);
@@ -289,6 +549,20 @@ public class LoanProductAdvanceExtService {
         setBoolean(command, "releaseCollateralOnClosure", ext::getReleaseCollateralOnClosure, ext::setReleaseCollateralOnClosure, changes);
         setBoolean(command, "topUpAllowed", ext::getTopUpAllowed, ext::setTopUpAllowed, changes);
         setBoolean(command, "balanceTransferOutAllowed", ext::getBalanceTransferOutAllowed, ext::setBalanceTransferOutAllowed, changes);
+        // SICR & LGD (RBI 2026 ECL framework)
+        setInteger(command, "sicrDaysThreshold", ext::getSicrDaysThreshold, ext::setSicrDaysThreshold, changes);
+        setInteger(command, "sicrRevolvingDaysThreshold", ext::getSicrRevolvingDaysThreshold, ext::setSicrRevolvingDaysThreshold, changes);
+        setInteger(command, "sicrRatingDowngradeNotches", ext::getSicrRatingDowngradeNotches, ext::setSicrRatingDowngradeNotches, changes);
+        setDecimal(command, "sicrPricingIncreaseTriggerPct", ext::getSicrPricingIncreaseTriggerPct, ext::setSicrPricingIncreaseTriggerPct,
+                changes);
+        setString(command, "sicrAssessmentBasis", ext::getSicrAssessmentBasis, ext::setSicrAssessmentBasis, changes);
+        setBoolean(command, "sicrRebuttalAllowed", ext::getSicrRebuttalAllowed, ext::setSicrRebuttalAllowed, changes);
+        setString(command, "npaOutOfOrderBasis", ext::getNpaOutOfOrderBasis, ext::setNpaOutOfOrderBasis, changes);
+        setString(command, "cropDuration", ext::getCropDuration, ext::setCropDuration, changes);
+        setBoolean(command, "useOwnLgdModel", ext::getUseOwnLgdModel, ext::setUseOwnLgdModel, changes);
+        setDecimal(command, "lgdSecuredPct", ext::getLgdSecuredPct, ext::setLgdSecuredPct, changes);
+        setDecimal(command, "lgdUnsecuredPct", ext::getLgdUnsecuredPct, ext::setLgdUnsecuredPct, changes);
+        setString(command, "eligibleCollateralType", ext::getEligibleCollateralType, ext::setEligibleCollateralType, changes);
     }
 
     // ---- typed setters: only write params that are present, and only report real changes ----------
@@ -403,6 +677,13 @@ public class LoanProductAdvanceExtService {
         map.put("penalAppliedOn", ext.getPenalAppliedOn());
         map.put("penalGraceDays", ext.getPenalGraceDays());
         map.put("npaTrigger", ext.getNpaTrigger());
+        map.put("smaStartAfterMonths", ext.getSmaStartAfterMonths());
+        map.put("memberRequired", ext.getMemberRequired());
+        map.put("guarantorMustBeMember", ext.getGuarantorMustBeMember());
+        map.put("incomeMultiple", ext.getIncomeMultiple());
+        map.put("minVintageMonths", ext.getMinVintageMonths());
+        map.put("requiredDocuments", ext.getRequiredDocuments());
+        map.put("stockStatementValidityDays", ext.getStockStatementValidityDays());
         map.put("interestAfterNpa", ext.getInterestAfterNpa());
         map.put("undebitedInterestGlId", ext.getUndebitedInterestGlId());
         map.put("renewalAllowed", ext.getRenewalAllowed());
@@ -411,6 +692,42 @@ public class LoanProductAdvanceExtService {
         map.put("preclosureAllowed", ext.getPreclosureAllowed());
         map.put("lockInMonths", ext.getLockInMonths());
         map.put("interestOnPreclosure", ext.getInterestOnPreclosure());
+        map.put("goldMaxLtv", ext.getGoldMaxLtvPct());
+        map.put("goldMinPurityCarat", ext.getGoldMinPurityCarat());
+        map.put("goldRateSource", ext.getGoldRateSource());
+        map.put("goldMaxPerGram", ext.getGoldMaxPerGram());
+        map.put("goldMinNetWeight", ext.getGoldMinNetWeightG());
+        map.put("goldMaxNetWeightPerCustomer", ext.getGoldMaxNetWeightPerCustomerG());
+        map.put("goldAllowedItems", ext.getGoldAllowedItems());
+        map.put("goldAppraiserRequired", ext.getGoldAppraiserRequired());
+        map.put("goldValuationCertificateRequired", ext.getGoldValuationCertificateRequired());
+        map.put("goldMaxValuationPerAppraiser", ext.getGoldMaxValuationPerAppraiser());
+        map.put("goldPacketPrefix", ext.getGoldPacketPrefix());
+        map.put("goldAuctionNoticeDays", ext.getGoldAuctionNoticeDays());
+        map.put("goldRevalueOnNpa", ext.getGoldRevalueOnNpa());
+        map.put("goldRevaluationChargeApplicable", ext.getGoldRevaluationChargeApplicable());
+        map.put("goldPartialReleaseAllowed", ext.getGoldPartialReleaseAllowed());
+        map.put("goldThirdPartyAllowed", ext.getGoldThirdPartyAllowed());
+        map.put("goldDisbursementMode", ext.getGoldDisbursementMode());
+        map.put("goldCashDisbursementLimit", ext.getGoldCashDisbursementLimit());
+        map.put("goldLtvBreachAlert", ext.getGoldLtvBreachAlertPct());
+        map.put("goldAuctionReservePct", ext.getGoldAuctionReservePct());
+        map.put("goldRedeemBeforeAuction", ext.getGoldRedeemBeforeAuction());
+        map.put("wrMaxLtv", ext.getWrMaxLtvPct());
+        map.put("wrReceiptType", ext.getWrReceiptType());
+        map.put("wrWdraRegistered", ext.getWrWdraRegistered());
+        map.put("wrAssayCertificateRequired", ext.getWrAssayCertificateRequired());
+        map.put("wrTenureWithinReceiptValidity", ext.getWrTenureWithinReceiptValidity());
+        map.put("wrPledgeMarkedBeforeDisbursement", ext.getWrPledgeMarkedBeforeDisbursement());
+        map.put("wrCommodityGroups", ext.getWrCommodityGroups());
+        map.put("wrValuationPriceSource", ext.getWrValuationPriceSource());
+        map.put("wrMaxLoanPerQuintal", ext.getWrMaxLoanPerQuintal());
+        map.put("wrStockInspectionMonths", ext.getWrStockInspectionMonths());
+        map.put("wrLtvBreachAlert", ext.getWrLtvBreachAlertPct());
+        map.put("wrPartialReleaseAllowed", ext.getWrPartialReleaseAllowed());
+        map.put("wrDisposalNoticeDays", ext.getWrDisposalNoticeDays());
+        map.put("wrDisposalReservePct", ext.getWrDisposalReservePct());
+        map.put("wrRedeemBeforeDisposal", ext.getWrRedeemBeforeDisposal());
         map.put("revaluationFreqMonths", ext.getRevaluationFreqMonths());
         map.put("insuranceRequired", ext.getInsuranceRequired());
         map.put("stockStatementFreqMonths", ext.getStockStatementFreqMonths());
@@ -509,6 +826,19 @@ public class LoanProductAdvanceExtService {
         map.put("releaseCollateralOnClosure", ext.getReleaseCollateralOnClosure());
         map.put("topUpAllowed", ext.getTopUpAllowed());
         map.put("balanceTransferOutAllowed", ext.getBalanceTransferOutAllowed());
+        // SICR & LGD (RBI 2026 ECL framework)
+        map.put("sicrDaysThreshold", ext.getSicrDaysThreshold());
+        map.put("sicrRevolvingDaysThreshold", ext.getSicrRevolvingDaysThreshold());
+        map.put("sicrRatingDowngradeNotches", ext.getSicrRatingDowngradeNotches());
+        map.put("sicrPricingIncreaseTriggerPct", ext.getSicrPricingIncreaseTriggerPct());
+        map.put("sicrAssessmentBasis", ext.getSicrAssessmentBasis());
+        map.put("sicrRebuttalAllowed", ext.getSicrRebuttalAllowed());
+        map.put("npaOutOfOrderBasis", ext.getNpaOutOfOrderBasis());
+        map.put("cropDuration", ext.getCropDuration());
+        map.put("useOwnLgdModel", ext.getUseOwnLgdModel());
+        map.put("lgdSecuredPct", ext.getLgdSecuredPct());
+        map.put("lgdUnsecuredPct", ext.getLgdUnsecuredPct());
+        map.put("eligibleCollateralType", ext.getEligibleCollateralType());
         return map;
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/prudentialfloor/api/PrudentialFloorsApiResource.java

@@ -0,0 +1,63 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.prudentialfloor.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.prudentialfloor.data.PrudentialFloorData;
+import org.apache.fineract.portfolio.prudentialfloor.service.PrudentialFloorReadPlatformService;
+import org.springframework.stereotype.Component;
+
+/**
+ * Read-only: this master is seeded from the RBI 2026 Directions (para 82) rather than created per bank, so it
+ * ships without a create/update command path for now - a Board-approved "tighten only" override is a follow-up.
+ */
+@RequiredArgsConstructor
+@Path("/v1/prudentialfloors")
+@Component
+@Tag(name = "Prudential Floor Master", description = "RBI 2026 ECL stage-wise prudential floor lookup, by loan product category")
+public class PrudentialFloorsApiResource {
+
+    private final PlatformSecurityContext securityContext;
+    private final PrudentialFloorReadPlatformService readPlatformService;
+    public static final String PRUDENTIAL_FLOOR = "PRUDENTIAL_FLOOR";
+
+    @GET
+    @Consumes({ MediaType.TEXT_HTML, MediaType.APPLICATION_JSON })
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "List all Prudential Floor rows", description = "Optionally filter by product category")
+    public List<PrudentialFloorData> getPrudentialFloors(
+            @QueryParam("productCategory") @Parameter(description = "productCategory") final String productCategory) {
+        securityContext.authenticatedUser().validateHasReadPermission(PRUDENTIAL_FLOOR);
+        if (productCategory == null || productCategory.isBlank()) {
+            return this.readPlatformService.retrieveAll();
+        }
+        return this.readPlatformService.retrieveForCategory(productCategory);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/prudentialfloor/service/PrudentialFloorReadPlatformService.java

@@ -0,0 +1,63 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.prudentialfloor.service;
+
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.prudentialfloor.data.PrudentialFloorData;
+import org.apache.fineract.portfolio.prudentialfloor.domain.PrudentialFloor;
+import org.apache.fineract.portfolio.prudentialfloor.domain.PrudentialFloorRepository;
+import org.apache.fineract.portfolio.prudentialfloor.mapper.PrudentialFloorMapper;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Read-only lookup over the RBI 2026 prudential-floor master (para 82). A loan product never stores its own
+ * floor %: it declares a product category and a stage (the latter via its Delinquency Bucket), and the
+ * applicable floor is resolved here at reporting/provisioning time, so every product using the same category
+ * always sees the same, currently-seeded regulatory minimum.
+ */
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class PrudentialFloorReadPlatformService {
+
+    private final PrudentialFloorRepository repository;
+    private final PrudentialFloorMapper mapper;
+
+    public List<PrudentialFloorData> retrieveAll() {
+        return mapper.map(repository.findAll());
+    }
+
+    public List<PrudentialFloorData> retrieveForCategory(final String productCategory) {
+        return mapper.map(repository.findByProductCategoryOrderByStageAscDurationFromDaysAsc(productCategory));
+    }
+
+    /**
+     * The floor applicable to one exposure: for Stage 1/2 the single row for that category+stage; for Stage 3
+     * the row whose duration band contains {@code daysInStage} (days since the exposure entered Stage 3, not
+     * days overdue). Returns {@code null} when the category/stage/duration combination has not been seeded -
+     * callers should fall back to the residual "any other loan product category" floor (para 82 item (xv)) in
+     * that case rather than treat it as zero.
+     */
+    public PrudentialFloorData retrieveFloor(final String productCategory, final Integer stage, final Integer daysInStage) {
+        final List<PrudentialFloor> candidates = repository.findByProductCategoryAndStage(productCategory, stage);
+        return candidates.stream().filter(row -> row.coversDuration(daysInStage)).findFirst().map(mapper::map).orElse(null);
+    }
+}

fineract-provider/src/main/resources/db/changelog/tenant/changelog-tenant.xml

@@ -623,6 +623,17 @@
     <include file="parts/0595_seed_loan_rate_register_gl_accounts.xml" relativeToChangelogFile="true"/>
     <include file="parts/0596_enable_delinquency_maker_checker.xml" relativeToChangelogFile="true"/>
     <include file="parts/0597_add_loan_product_loans_ext_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0598_add_loan_product_sma_start_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0599_enable_loan_product_update_maker_checker.xml" relativeToChangelogFile="true"/>
+
+    <!-- RBI 2026 ECL framework: SMA/NPA asset classification, prudential floor master, SICR/LGD product config. -->
+    <include file="parts/0599_add_delinquency_range_stage.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0600_create_prudential_floor_master.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0601_add_loan_product_advance_ext_sicr_lgd_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0604_add_gold_loan_product_fields.xml" relativeToChangelogFile="true"/>
+    <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"/>
 
     <!-- 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. -->

fineract-provider/src/main/resources/db/changelog/tenant/parts/0598_add_loan_product_sma_start_fields.xml

@@ -0,0 +1,39 @@
+<?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">
+
+    <!-- SMA counting start (Advances: 9 months after disbursement, Loans/EMI: 1 month) and the CC/OD stock
+         statement validity window that feeds the NPA trigger. -->
+    <changeSet author="cbsnexora" id="0598_add_loan_product_sma_start_fields">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <column name="sma_start_after_months" type="INT"/>
+            <column name="stock_statement_validity_days" type="INT"/>
+            <column name="elig_member_required" type="BOOLEAN"/>
+            <column name="elig_guarantor_must_be_member" type="BOOLEAN"/>
+            <column name="elig_income_multiple" type="DECIMAL(10,2)"/>
+            <column name="elig_min_vintage_months" type="INT"/>
+            <column name="required_documents" type="VARCHAR(1000)"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0599_add_delinquency_range_stage.xml

@@ -0,0 +1,35 @@
+<?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 2026 ECL framework: a delinquency range only ever decided an SMA/NPA label by day-count; it now also
+         records which ECL stage (1, 2 or 3) that label maps to, so a product's bucket can drive staging directly
+         instead of a parallel lookup. Nullable: existing ranges keep working as plain labels until re-classified. -->
+    <changeSet author="cbsnexora" id="0599_add_delinquency_range_stage">
+        <addColumn tableName="m_delinquency_range">
+            <column name="stage" type="INT" defaultValueComputed="NULL"/>
+        </addColumn>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0599_enable_loan_product_update_maker_checker.xml

@@ -0,0 +1,45 @@
+<?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">
+
+    <!--
+         Maker-checker on editing a loan or advance product.
+
+         Creating a product already goes to a checker (CREATE_LOANPRODUCT is gated). An edit changes rates,
+         limits, margin, GL accounts and lien rules that live accounts depend on, so it must not take effect on
+         one person's click either. UPDATE_LOANPRODUCT is gated with can_maker_checker = true: an edit lands in
+         m_portfolio_command_source as PENDING and is applied when a checker approves it. UPDATE_LOANPRODUCT_CHECKER
+         already exists and is what approving requires. Roles are left as they are.
+    -->
+
+    <changeSet id="0599_loan_product_update_maker_checker" author="cbsnexora" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE code = 'UPDATE_LOANPRODUCT';
+        </sql>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0600_create_prudential_floor_master.xml

@@ -0,0 +1,167 @@
+<?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 2026 ECL framework (Directions para 82): the stage-wise prudential floor, keyed by loan product
+         category rather than by loan product. Seeded below with a representative set of categories; the
+         remaining categories and the category-specific Stage 3 table variants (unsecured retail, housing/other
+         real estate, government-guaranteed) are a follow-up seed, not a schema change. created_by/
+         last_modified_by use 1 (the system user) since this is regulatory data, not something a maker entered. -->
+    <changeSet author="cbsnexora" id="0600_create_prudential_floor_master_table">
+        <createTable tableName="m_prudential_floor">
+            <column autoIncrement="true" name="id" type="BIGINT">
+                <constraints nullable="false" primaryKey="true"/>
+            </column>
+            <column name="product_category" type="VARCHAR(100)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="stage" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="duration_from_days" type="INT" defaultValueComputed="NULL"/>
+            <column name="duration_to_days" type="INT" defaultValueComputed="NULL"/>
+            <column name="secured_floor_pct" type="DECIMAL(19,6)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="unsecured_floor_pct" type="DECIMAL(19,6)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="created_by" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="created_on_utc" type="DATETIME">
+                <constraints nullable="false"/>
+            </column>
+            <column name="version" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="last_modified_by" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="last_modified_on_utc" type="DATETIME">
+                <constraints nullable="false"/>
+            </column>
+        </createTable>
+        <createIndex indexName="IX_m_prudential_floor_category_stage" tableName="m_prudential_floor">
+            <column name="product_category"/>
+            <column name="stage"/>
+        </createIndex>
+    </changeSet>
+
+    <changeSet author="cbsnexora" id="0600_add_prudential_floor_permission">
+        <insert tableName="m_permission">
+            <column name="grouping" value="organisation"/>
+            <column name="code" value="READ_PRUDENTIAL_FLOOR"/>
+            <column name="entity_name" value="PRUDENTIAL_FLOOR"/>
+            <column name="action_name" value="READ"/>
+            <column name="can_maker_checker" valueBoolean="false"/>
+        </insert>
+    </changeSet>
+
+    <changeSet author="cbsnexora" id="0600_seed_prudential_floor_stage_1_2">
+        <!-- Stage 1 / Stage 2: a single floor per category (not split secured/unsecured in the Directions),
+             so secured_floor_pct = unsecured_floor_pct here. -->
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.25"/><column name="unsecured_floor_pct" valueNumeric="0.25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.25"/><column name="unsecured_floor_pct" valueNumeric="0.25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="1.00"/><column name="unsecured_floor_pct" valueNumeric="1.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="5.00"/><column name="unsecured_floor_pct" valueNumeric="5.00"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="1.50"/><column name="unsecured_floor_pct" valueNumeric="1.50"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.25"/><column name="unsecured_floor_pct" valueNumeric="0.25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="1.50"/><column name="unsecured_floor_pct" valueNumeric="1.50"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Loan against Term Deposit / LIC / KVP"/><column name="stage" valueNumeric="1"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Loan against Term Deposit / LIC / KVP"/><column name="stage" valueNumeric="2"/><column name="secured_floor_pct" valueNumeric="0.40"/><column name="unsecured_floor_pct" valueNumeric="0.40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+    </changeSet>
+
+    <changeSet author="cbsnexora" id="0600_seed_prudential_floor_stage_3_standard">
+        <!-- Stage 3 ("standard" duration table, para 82(5) first table): applied here to every seeded category
+             alike as a starting point. The Directions in fact vary this table by category group (housing/real
+             estate and unsecured retail use their own bands) - narrowing this per category is a follow-up seed,
+             not a schema change, since duration_from_days/duration_to_days already carry whatever band a row
+             needs. -->
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Secured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Corporate Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Small and Micro Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Medium Enterprises"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Farm Credit - Agricultural Activities"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="40"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="55"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="75"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Gold Loan"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="10"/><column name="unsecured_floor_pct" valueNumeric="25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="duration_to_days" valueNumeric="730"/><column name="secured_floor_pct" valueNumeric="20"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="731"/><column name="duration_to_days" valueNumeric="1095"/><column name="secured_floor_pct" valueNumeric="30"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1096"/><column name="duration_to_days" valueNumeric="1460"/><column name="secured_floor_pct" valueNumeric="40"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Housing Loan - Individual"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="1461"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="duration_to_days" valueNumeric="365"/><column name="secured_floor_pct" valueNumeric="25"/><column name="unsecured_floor_pct" valueNumeric="25"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Unsecured Retail Loans"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="366"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+
+        <insert tableName="m_prudential_floor"><column name="product_category" value="Loan against Term Deposit / LIC / KVP"/><column name="stage" valueNumeric="3"/><column name="duration_from_days" valueNumeric="0"/><column name="secured_floor_pct" valueNumeric="100"/><column name="unsecured_floor_pct" valueNumeric="100"/><column name="created_by" valueNumeric="1"/><column name="created_on_utc" valueComputed="NOW()"/><column name="version" valueNumeric="1"/><column name="last_modified_by" valueNumeric="1"/><column name="last_modified_on_utc" valueComputed="NOW()"/></insert>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0601_add_loan_product_advance_ext_sicr_lgd_fields.xml

@@ -0,0 +1,49 @@
+<?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 2026 ECL framework, Penal/SMA/NPA wizard step: SICR trigger configuration and the LGD backstop /
+         own-model override. The prudential floor % itself is NOT stored here - it is looked up from
+         m_prudential_floor by product category, so every product stays in sync with a single regulatory table. -->
+    <changeSet author="cbsnexora" id="0601_add_loan_product_advance_ext_sicr_lgd_fields">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <!-- SICR trigger configuration -->
+            <column name="sicr_days_threshold" type="INT"/>
+            <column name="sicr_revolving_days_threshold" type="INT"/>
+            <column name="sicr_rating_downgrade_notches" type="INT"/>
+            <column name="sicr_pricing_increase_trigger_pct" type="DECIMAL(19,6)"/>
+            <column name="sicr_assessment_basis" type="VARCHAR(30)"/>
+            <column name="sicr_rebuttal_allowed" type="BOOLEAN"/>
+            <!-- NPA trigger extras -->
+            <column name="npa_out_of_order_basis" type="VARCHAR(60)"/>
+            <column name="crop_duration" type="VARCHAR(20)"/>
+            <!-- LGD backstop / override -->
+            <column name="use_own_lgd_model" type="BOOLEAN"/>
+            <column name="lgd_secured_pct" type="DECIMAL(19,6)"/>
+            <column name="lgd_unsecured_pct" type="DECIMAL(19,6)"/>
+            <column name="eligible_collateral_type" type="VARCHAR(200)"/>
+        </addColumn>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0604_add_gold_loan_product_fields.xml

@@ -0,0 +1,43 @@
+<?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">
+
+    <!-- Loan against Gold: valuation basis, appraiser rule, safe custody and auction notice. Pledge (not lien) security. -->
+    <changeSet author="cbsnexora" id="0604_add_gold_loan_product_fields">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <column name="gold_max_ltv_pct" type="DECIMAL(6,2)"/>
+            <column name="gold_min_purity_carat" type="INT"/>
+            <column name="gold_rate_source" type="VARCHAR(40)"/>
+            <column name="gold_max_per_gram" type="DECIMAL(19,2)"/>
+            <column name="gold_min_net_weight_g" type="DECIMAL(10,2)"/>
+            <column name="gold_max_net_weight_per_customer_g" type="DECIMAL(10,2)"/>
+            <column name="gold_allowed_items" type="VARCHAR(40)"/>
+            <column name="gold_appraiser_required" type="BOOLEAN"/>
+            <column name="gold_valuation_certificate_required" type="BOOLEAN"/>
+            <column name="gold_max_valuation_per_appraiser" type="DECIMAL(19,2)"/>
+            <column name="gold_packet_prefix" type="VARCHAR(20)"/>
+            <column name="gold_auction_notice_days" type="INT"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0605_add_gold_revaluation_rules.xml

@@ -0,0 +1,34 @@
+<?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">
+
+    <!-- Gold loans are short term, so the gold is not revalued on a schedule: it is revalued when the loan turns NPA,
+         and the customer may be charged for it. -->
+    <changeSet author="cbsnexora" id="0605_add_gold_revaluation_rules">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <column name="gold_revalue_on_npa" type="BOOLEAN"/>
+            <column name="gold_revaluation_charge_applicable" type="BOOLEAN"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0606_add_gold_servicing_and_auction_rules.xml

@@ -0,0 +1,39 @@
+<?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">
+
+    <!-- Loan against Gold: servicing rules (partial release, third-party gold), disbursement mode with the cash limit,
+         the LTV level that flags a falling gold rate, and the auction reserve price / right to redeem. -->
+    <changeSet author="cbsnexora" id="0606_add_gold_servicing_and_auction_rules">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <column name="gold_partial_release_allowed" type="BOOLEAN"/>
+            <column name="gold_third_party_allowed" type="BOOLEAN"/>
+            <column name="gold_disbursement_mode" type="VARCHAR(40)"/>
+            <column name="gold_cash_disbursement_limit" type="DECIMAL(19,2)"/>
+            <column name="gold_ltv_breach_alert_pct" type="DECIMAL(6,2)"/>
+            <column name="gold_auction_reserve_pct" type="DECIMAL(6,2)"/>
+            <column name="gold_redeem_before_auction" type="BOOLEAN"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0607_add_warehouse_receipt_product_fields.xml

@@ -0,0 +1,47 @@
+<?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">
+
+    <!-- Loan against Warehouse Receipt: the receipt rules (type, WDRA warehouse, assay, validity, repository pledge),
+         the commodity groups and valuation price, stock inspection, LTV alert, and the disposal rules after NPA. -->
+    <changeSet author="cbsnexora" id="0607_add_warehouse_receipt_product_fields">
+        <addColumn tableName="m_product_loan_advance_ext">
+            <column name="wr_max_ltv_pct" type="DECIMAL(6,2)"/>
+            <column name="wr_receipt_type" type="VARCHAR(20)"/>
+            <column name="wr_wdra_registered" type="BOOLEAN"/>
+            <column name="wr_assay_certificate_required" type="BOOLEAN"/>
+            <column name="wr_tenure_within_receipt_validity" type="BOOLEAN"/>
+            <column name="wr_pledge_marked_before_disbursement" type="BOOLEAN"/>
+            <column name="wr_commodity_groups" type="VARCHAR(200)"/>
+            <column name="wr_valuation_price_source" type="VARCHAR(30)"/>
+            <column name="wr_max_loan_per_quintal" type="DECIMAL(19,2)"/>
+            <column name="wr_stock_inspection_months" type="INT"/>
+            <column name="wr_ltv_breach_alert_pct" type="DECIMAL(6,2)"/>
+            <column name="wr_partial_release_allowed" type="BOOLEAN"/>
+            <column name="wr_disposal_notice_days" type="INT"/>
+            <column name="wr_disposal_reserve_pct" type="DECIMAL(6,2)"/>
+            <column name="wr_redeem_before_disposal" type="BOOLEAN"/>
+        </addColumn>
+    </changeSet>
+</databaseChangeLog>

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

@@ -173,7 +173,7 @@ public class LoanAccountDelinquencyRangeEventSerializerTest {
         when(loanAccountData.getId()).thenReturn(1L);
         when(loanAccountData.getAccountNo()).thenReturn("0001");
         when(loanAccountData.getExternalId()).thenReturn(ExternalIdFactory.produce("externalId"));
-        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10));
+        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10, null));
         when(loanAccountData.getCurrency()).thenAnswer(
                 a -> new CurrencyData(loanCurrency.getCode(), loanCurrency.getDigitsAfterDecimal(), loanCurrency.getInMultiplesOf()));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);
@@ -238,7 +238,7 @@ public class LoanAccountDelinquencyRangeEventSerializerTest {
         when(loanAccountData.getId()).thenReturn(1L);
         when(loanAccountData.getAccountNo()).thenReturn("0001");
         when(loanAccountData.getExternalId()).thenReturn(ExternalIdFactory.produce("externalId"));
-        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10));
+        when(loanAccountData.getDelinquencyRange()).thenReturn(new DelinquencyRangeData(1L, "classification", 1, 10, null));
         when(loanAccountData.getCurrency()).thenAnswer(
                 a -> new CurrencyData(loanCurrency.getCode(), loanCurrency.getDigitsAfterDecimal(), loanCurrency.getInMultiplesOf()));
         when(loanForProcessing.getCurrency()).thenReturn(loanCurrency);

fineract-provider/src/test/java/org/apache/fineract/portfolio/deliquency/DelinquencyWritePlatformServiceRangeChangeEventTest.java

@@ -174,9 +174,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -217,9 +217,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -281,9 +281,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
 
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
 
@@ -346,9 +346,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -425,9 +425,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         final List<LoanDelinquencyActionData> effectiveDelinquencyList = Collections.emptyList();
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -510,9 +510,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         // given
         Loan loanForProcessing = Mockito.mock(Loan.class);
         LoanProduct loanProduct = Mockito.mock(LoanProduct.class);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");
@@ -597,9 +597,9 @@ public class DelinquencyWritePlatformServiceRangeChangeEventTest {
         // given
         Loan loanForProcessing = Mockito.mock(Loan.class);
         when(loanForProcessing.getId()).thenReturn(1L);
-        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2);
+        DelinquencyRange range1 = DelinquencyRange.instance("Range1", 1, 2, null);
         range1.setId(1L);
-        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30);
+        DelinquencyRange range2 = DelinquencyRange.instance("Range30", 3, 30, null);
         range2.setId(2L);
         List<DelinquencyRange> listDelinquencyRanges = Arrays.asList(range1, range2);
         DelinquencyBucket delinquencyBucket = new DelinquencyBucket("test Bucket");