{{ 'labels.inputs.products.loan.Amortization' | translate }} & {{ 'labels.inputs.Interest Method' | translate }}

{{ 'labels.inputs.products.loan.Amortization' | translate }} @for (amortizationType of amortizationTypeData; track amortizationType) { {{ 'labels.inputs.products.loan.amortizationType.' + amortizationType.value | translate }} } {{ 'labels.inputs.products.loan.Amortization' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} {{ 'labels.inputs.Interest Method' | translate }} @for (interestType of interestTypeData; track interestType) { {{ interestType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Interest Method' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} {{ 'labels.inputs.Interest calculation period' | translate }} @for ( interestCalculationPeriodType of interestCalculationPeriodTypeData; track interestCalculationPeriodType ) { {{ interestCalculationPeriodType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Interest calculation period' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }}
{{ 'labels.inputs.products.loan.Is Equal Amortization?' | translate }}
@if (loanProductSettingsForm.value.interestCalculationPeriodType === 1) {
{{ 'labels.inputs.Calculate interest for exact days in partial period' | translate }}
}

{{ 'labels.inputs.Loan Schedule' | translate }}

{{ 'labels.inputs.Loan Schedule Type' | translate }} @for (loanScheduleType of loanScheduleTypeData; track loanScheduleType) { {{ loanScheduleType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Repayment strategy' | translate }} @for ( transactionProcessingStrategy of transactionProcessingStrategyData; track transactionProcessingStrategy ) { {{ transactionProcessingStrategy.name | translateKey: 'catalogs' }} } {{ 'labels.inputs.Repayment strategy' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} @if (isAdvancedTransactionProcessingStrategy) { {{ 'labels.inputs.Loan Schedule Processing Type' | translate }} @for (loanScheduleProcessingType of loanScheduleProcessingTypeData; track loanScheduleProcessingType) { {{ loanScheduleProcessingType.value | translateKey: 'catalogs' }} } } {{ 'labels.inputs.Interest free period' | translate }} Allowed pending EMI amount {{ 'labels.inputs.Days in year' | translate }} @for (daysInYearType of daysInYearTypeData; track daysInYearType) { {{ daysInYearType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Days in year' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} @if (useDaysInYearCustomStrategy) { {{ 'labels.inputs.Days in year custom strategy' | translate }} @for (daysInYearCustomStrategy of daysInYearCustomStrategyOptions; track daysInYearCustomStrategy) { {{ daysInYearCustomStrategy.value | translateKey: 'catalogs' }} } } {{ 'labels.inputs.Days in month' | translate }} @for (daysInMonthType of daysInMonthTypeData; track daysInMonthType) { {{ daysInMonthType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Days in month' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }}
{{ 'labels.inputs.Allow fixing of the installment amount' | translate }}
@if (showChequeBookSettings) { Cheque Book Settings
Cheque Book Issue Enabled YES NO Cheque Validation Required YES NO Is First Cheque Book Free YES NO Cheque Printing Account Type Savings Bank Current Account Cash Credit Overdraft Allow Withdrawal Slip Usage YES NO Maintain Cheque Book Stock Registry YES NO Free Cheque Books Per Year Allow Credit By Cheque Number YES NO Credit Cheque Validation Required YES NO Grace Days For Stock Statement
} Additional Product Settings
Account Type Active For Transactions YES NO Sub Type Activity Enabled YES NO Account Opening Charges Maximum Gold Loan Limit Gold Loan [Packet No.] With Year? YES NO Last Account Number Opened Customer Termination Allowed YES NO Charges For Cash Credit Above Limit Death Interest GL Account Starting Ledger Number Ending Ledger Number Current Ledger Number Remittance Account Number Is Non Resident Indian Account YES NO Debit Clearing GL Account Missed Call Alert Service Active YES NO Standing Instruction Charge GL Account Standing Instruction Debit Charge Skip Option Skip Always Skip on First Failure Never Skip Retry after 24 Hours Opening Balance Multiplier For Remittance Charges A/c Move To InOperative A/c YES NO Generate GL Diff Entry YES NO Sub Type Wise GL Balance Gen YES NO Want To Validation While Deleting Debit Entry YES NO Want To RC File Concept YES NO A/c Close With Zero Bal. In Open Day Process YES NO A/c Close When Bal. Zero At Subled Tran Entry YES NO Lmt.Enh/Ag.Clg Screen Display YES NO Advance Int. Param In Ledger YES NO Vehicle Detail In Master YES NO Deleted Chq. Issue YES NO DP Reduce In Doc. Renewal Date YES NO DP Reduce In Renewal Date YES NO Auto Close Day-End YES NO Loan Rate From Master YES NO Cheque Short Name Statement Print YES NO NESL Code

Interest Related Parameters

Drawing Power And Limit Generation Procedure Normal D.P. Entry Is Considered Against F.D. Interest with Certificate Wise Interest Rate Based on Asset Value Monthly Stock Statement Basis Advances Interest Calculation Method Debit Closing Balance Considered as Product Against Interest Calculation Enabled YES NO Day Wise Against Clearing Interest Rounding YES NO Interest Calculation One Fourth Method 0 (Standard) 1 (Custom A) 2 (Custom B) Against Clearing Interest Procedure Type Normal Against Clearing Interest Consider Debit Closing Amount For Against Clearing YES NO Interest Rounding Method All Int. Round Nearest Rupee Round Up Round Down Penalty Interest Calculation Enabled YES NO Penalty Interest Calculation Method Daywise ( 36500 ) Penalty Interest Procedure Number On Debit, Penalty Product is Closing Balance Limit is Considered for Penalty Product Overdrawn Interest Calculation Method Overdrawn = Balance - Limit Overdrawn = Balance - D.P. Don't Calculate Calculate Overdrawn Interest After Renewal YES NO Interest On Credit Balance YES NO Penalty Interest Date Different Than Regular Interest YES NO Fixed Deposit Overdraft Certificate Sort Order Order on Interest Rate Order on Drawing Power Use Document Submission Date For Interest YES NO Loan Management System Renewal Penalty Active YES NO Minimum Normal Interest Amount Minimum Interest Calculation Method Flat Amount Percentage of Balance Tier Based Minimum Against Clearing Interest Amount Limit Increase Upto Interest Amount In Interest Calculation YES NO Minimum Penalty Interest Amount Days For Limit Increase Upto Interest Amount Additional Interest Rate For Fixed Deposit Overdraft Consider DD/Payorder In Against Clearing Interest Calculation YES NO Grace Days After Renewal Date Apply Undebited Interest Concept Enabled YES NO Interest Register Print Format Type Interest Amount with Opening Balance Interest Only Full Ledger Format Normal Grace Days After Overdue Allow Against Clearing Entry YES NO Allow No Balance Entry YES NO Fixed Deposit Overdraft Penalty Interest Combined With Normal Interest YES NO Allow No Balance Entry With Password YES NO Undebited Simple Interest Account Wise YES NO Daily Interest Calculation Enabled YES NO Daily Interest Calculation Start Date Non Performing Asset Penal Interest Rate Update YES NO Non Performing Asset Penal Interest Rate Fixed Deposit Overdraft Penal Interest Rate Update In Branch Process YES NO Add Penal Interest Rate Atyp14 Simple Int. YES NO FDOD Margin Type Check Master Detail Edited (Passing Pend.) YES NO Credit/Debit Int. Calc. Separate YES NO On Time Interest Provision YES NO Check Against Clearing YES NO GST On Penalty YES NO Penalty Int. Grace Days Over Drawn Int. Rate Calculate Daily Limit Enhancement (TOD) YES NO FDOD Multiple Int. Rate YES NO

RBI Compliance & KFS Settings

Penal Charge Method RBI Compliant Penal Charges (Non-Compounding) Legacy Penal Interest (Compounding)
Is Floating Rate Loan? (Individual)
Foreclosure Charges Applicable YES NO RBI: No charges for Floating Rate Loans to Individuals
Enable Key Fact Statement (KFS)
Calculate APR
@if (showChannelLimits) { Channel & Transaction Limits
Is Mobile App? YES NO Is ATM? YES NO @if (loanProductSettingsForm.value.isAtmEnabled === 'YES') { ATM Yearly Charge? YES NO ATM Min. Balance } Email Active? YES NO Is IMPS? YES NO Is UPI? YES NO Is POS? YES NO Is BBPS? YES NO Inter Bank Limit (Per Day) Inter Bank Limit (Per Transaction) NEFT/RTGS Limit (Per Day) NEFT/RTGS Limit (Per Transaction) NEFT Cutoff Limit RTGS Cutoff Limit NEFT/RTGS Min. Balance Is Charge Req. NEFT/RTGS (CBS)? YES NO Is Charge Req. NEFT/RTGS (Mobile)? YES NO @if (loanProductSettingsForm.value.isImpsEnabled === 'YES') { IMPS Limit (Per Day) IMPS Limit (Per Transaction) IMPS Limit (Per Month) IMPS Min. Limit IMPS Monthly Transaction Count }
} @if ( showChannelLimits && (loanProductSettingsForm.value.isPosEnabled === 'YES' || loanProductSettingsForm.value.isAtmEnabled === 'YES') ) { POS Facility & ATM CSV Settings
Max Per Transaction Limit (ATM) Max Day Transaction Limit (ATM) Max Per Transaction Limit (POS) Max Day Transaction Limit (POS) Max Per Transaction Limit (ECOM) Max Day Transaction Limit (ECOM) Max Per Transaction Limit (UPI) Max Day Transaction Limit (UPI) ATM CSV Product Code ATM CSV Type Code
} Auto Interest Post Parameters
Auto Int. Post Type Monthly Quarterly Half Yearly Yearly Auto Int. Post When Month End Fix Day @if (loanProductSettingsForm.value.autoInterestPostWhen === 'FIX_DAY') { Fix Day } Auto Last Int. Date
@if (showForeclosureSettings) { Foreclosure / Early Account Closure
Calculate Early A/c Close Charge? YES NO @if (loanProductSettingsForm.value.calculateEarlyAccountCloseCharge === 'YES') { Early A/c Close Charge Early A/c Close Period (In Months) }
}

Credit Bureau Settings (CIBIL/Highmark)

Loan Product Category (RBI Reporting) Personal/Consumer Loan (Code 02) Housing/Mortgage Loan (Code 15) Business/Commercial Loan (Code 50) Vehicle/Auto Loan (Code 04) Selecting a category will auto-fill the credit bureau account types below. CIBIL Account Type CIBIL Commercial Account Type Highmark Account Type Highmark Commercial Account Type Experian Account Type Experian Commercial Account Type Equifax Account Type Equifax Commercial Account Type

{{ 'labels.inputs.Moratorium' | translate }}

{{ 'labels.inputs.Grace on principal payment' | translate }} {{ 'labels.inputs.Grace on interest payment' | translate }} Grace Days After Overdue For Moratorium A/c {{ 'labels.inputs.Delinquency Bucket' | translate }} @for (delinquencyBucket of delinquencyBucketData; track delinquencyBucket) { {{ delinquencyBucket.name }} } @if (loanProductSettingsForm.controls.delinquencyBucketId) { } @if (loanProductSettingsForm.value.delinquencyBucketId) {
{{ 'labels.inputs.Enable installment level Delinquency' | translate }}
}

{{ 'labels.inputs.Number of days a loan may be overdue before moving into arrears' | translate }}

{{ 'labels.inputs.On arrears ageing' | translate }} {{ 'labels.inputs.Overdue days for NPA' | translate }}
{{ 'labels.inputs.Account moves out of NPA only after all arrears have been cleared' | translate }}
{{ 'labels.inputs.Principal Threshold (%) for Last Instalment' | translate }}

{{ 'labels.inputs.Variable Installments' | translate }}

{{ 'labels.inputs.Are Variable Installments allowed?' | translate }}
@if (loanProductSettingsForm.value.allowVariableInstallments) { {{ 'labels.inputs.Minimum gap between Installments' | translate }} {{ 'labels.inputs.Minimum gap between Installments' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} {{ 'labels.inputs.Maximum gap between Installments' | translate }} {{ 'labels.inputs.Maximum gap between Installments' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} }
{{ 'labels.inputs.Allowed to be used for providing Topup Loans' | translate }}

{{ 'labels.heading.Interest Recalculation' | translate }}

{{ 'labels.inputs.Recalculate Interest' | translate }}
@if (loanProductSettingsForm.value.isInterestRecalculationEnabled) { {{ 'labels.inputs.Pre-closure interest calculation rule' | translate }} @for ( preClosureInterestCalculationStrategy of preClosureInterestCalculationStrategyData; track preClosureInterestCalculationStrategy ) { {{ preClosureInterestCalculationStrategy.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Pre-closure interest calculation rule' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} {{ 'labels.inputs.Advance payments adjustment type' | translate }} @for (rescheduleStrategyType of rescheduleStrategyTypeData; track rescheduleStrategyType) { {{ rescheduleStrategyType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Advance payments adjustment type' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} {{ 'labels.inputs.Interest recalculation compounding on' | translate }} @for ( interestRecalculationCompoundingType of interestRecalculationCompoundingTypeData; track interestRecalculationCompoundingType ) { {{ interestRecalculationCompoundingType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Interest recalculation compounding on' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} @if ( loanProductSettingsForm.value.interestRecalculationCompoundingMethod !== 0 && loanProductSettingsForm.value.recalculationCompoundingFrequencyType !== 1 ) { {{ 'labels.inputs.Frequency Interval for compounding' | translate }} {{ 'labels.inputs.Frequency Interval for compounding' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} } @if (loanProductSettingsForm.value.recalculationRestFrequencyType !== 1) { {{ 'labels.inputs.Frequency Interval for recalculation' | translate }} {{ 'labels.inputs.Frequency Interval for recalculation' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} } @if (loanProductSettingsForm.value.interestRecalculationCompoundingMethod !== 0) { {{ 'labels.inputs.Frequency for compounding' | translate }} @for ( interestRecalculationFrequencyType of interestRecalculationFrequencyTypeData; track interestRecalculationFrequencyType ) { {{ interestRecalculationFrequencyType.value }} } @if (loanProductSettingsForm.value.recalculationCompoundingFrequencyType === 4) { @for ( interestRecalculationNthDayType of interestRecalculationNthDayTypeData; track interestRecalculationNthDayType ) { {{ interestRecalculationNthDayType.value | translateKey: 'catalogs' }} } } @if ( (loanProductSettingsForm.value.recalculationCompoundingFrequencyType === 4 && loanProductSettingsForm.value.recalculationCompoundingFrequencyNthDayType !== -2) || loanProductSettingsForm.value.recalculationCompoundingFrequencyType === 3 ) { @for ( interestRecalculationDayOfWeekType of interestRecalculationDayOfWeekTypeData; track interestRecalculationDayOfWeekType ) { {{ interestRecalculationDayOfWeekType.value | translateKey: 'catalogs' }} } } @if ( loanProductSettingsForm.value.recalculationCompoundingFrequencyType === 4 && loanProductSettingsForm.value.recalculationCompoundingFrequencyNthDayType === -2 ) { @for ( interestRecalculationOnDayType of interestRecalculationOnDayTypeData; track interestRecalculationOnDayType ) { {{ interestRecalculationOnDayType }} } } } {{ 'labels.inputs.Frequency for recalculate Outstanding Principal' | translate }} @for ( interestRecalculationFrequencyType of interestRecalculationFrequencyTypeData; track interestRecalculationFrequencyType ) { {{ interestRecalculationFrequencyType.value | translateKey: 'catalogs' }} } {{ 'labels.inputs.Frequency for recalculate Outstanding Principal' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} @if (loanProductSettingsForm.value.recalculationRestFrequencyType === 4) { @for ( interestRecalculationNthDayType of interestRecalculationNthDayTypeData; track interestRecalculationNthDayType ) { {{ interestRecalculationNthDayType.value | translateKey: 'catalogs' }} } } @if ( (loanProductSettingsForm.value.recalculationRestFrequencyType === 4 && loanProductSettingsForm.value.recalculationRestFrequencyNthDayType !== -2) || loanProductSettingsForm.value.recalculationRestFrequencyType === 3 ) { @for ( interestRecalculationDayOfWeekType of interestRecalculationDayOfWeekTypeData; track interestRecalculationDayOfWeekType ) { {{ interestRecalculationDayOfWeekType.value | translateKey: 'catalogs' }} } } @if ( loanProductSettingsForm.value.recalculationRestFrequencyType === 4 && loanProductSettingsForm.value.recalculationRestFrequencyNthDayType === -2 ) { @for ( interestRecalculationOnDayType of interestRecalculationOnDayTypeData; track interestRecalculationOnDayType ) { {{ interestRecalculationOnDayType }} } }
{{ 'labels.inputs.Is Arrears recognization based on original schedule' | translate }}?
@if (loanProductSettingsForm.value.loanScheduleType === 'PROGRESSIVE') {
{{ 'labels.inputs.Do not calculate interest on past due principal balances' | translate }}
}
{{ 'labels.inputs.Allow accrual posting in arrears' | translate }}
{{ 'labels.inputs.Allow compounding on EOD' | translate }}
{{ 'labels.inputs.Post compounding as transaction' | translate }}
}

{{ 'labels.heading.Guarantee Requirements' | translate }}

{{ 'labels.inputs.Place Guarantee Funds On-Hold' | translate }}
@if (loanProductSettingsForm.value.holdGuaranteeFunds) { {{ 'labels.inputs.Mandatory Guarantee(%)' | translate }} {{ 'labels.inputs.Mandatory Guarantee(%)' | translate }} {{ 'labels.commons.is' | translate }} {{ 'labels.commons.required' | translate }} {{ 'labels.inputs.Minimum Guarantee from Own Funds(%)' | translate }} {{ 'labels.inputs.Minimum Guarantee from Guarantor Funds(%)' | translate }} }

{{ 'labels.inputs.Configurable Terms and Settings' | translate }}

{{ 'labels.inputs.Allow overriding select terms and settings in loan accounts' | translate }}
@if (loanProductSettingsForm.value.allowAttributeConfiguration) {
{{ 'labels.inputs.Amortization' | translate }}
{{ 'labels.inputs.Interest method' | translate }}
{{ 'labels.inputs.Repayment strategy' | translate }}
{{ 'labels.inputs.Interest calculation period' | translate }}
Allowed pending EMI amount
{{ 'labels.inputs.Repaid every' | translate }}
{{ 'labels.inputs.Moratorium' | translate }}
{{ 'labels.inputs.Number of days a loan may be overdue before moving into arrears' | translate }}
}