feat(loan-products): add advance loan product stepper steps

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

src/app/products/loan-products/create-loan-product/create-loan-product.component.html

@@ -42,19 +42,94 @@
       </div>
     </mat-tab>
 
-    <mat-tab>
-      <ng-template mat-tab-label>
-        <i class="fas fa-cog lp-tab-icon"></i>
-        {{ 'labels.inputs.SETTINGS' | translate }}
-      </ng-template>
-      <div class="lp-tab-content">
-        <mifosx-loan-product-settings-step
-          [loanProductsTemplate]="loanProductsTemplate"
-          [isLinkedToFloatingInterestRates]="loanProductTermsForm.get('isLinkedToFloatingInterestRates')"
-          (advancePaymentStrategy)="advancePaymentStrategy($event)"
-        ></mifosx-loan-product-settings-step>
-      </div>
-    </mat-tab>
+    @if (isAdvanceProduct) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-shield-alt lp-tab-icon"></i>
+          SECURITY &amp; LIEN
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-security-lien-step
+            [loanProductsTemplate]="loanProductsTemplate"
+            [productTypeGroup]="loanProductDetailsForm.get('productTypeGroup')"
+            [productTypeSubGroup]="loanProductDetailsForm.get('productTypeSubGroup')"
+          ></mifosx-loan-product-security-lien-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-sliders-h lp-tab-icon"></i>
+          LIMIT &amp; TENURE
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-advance-limit-tenure-step
+            [productSubType]="advanceSubType"
+          ></mifosx-loan-product-advance-limit-tenure-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-percent lp-tab-icon"></i>
+          INTEREST
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-advance-interest-step></mifosx-loan-product-advance-interest-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-triangle-exclamation lp-tab-icon"></i>
+          PENAL &amp; NPA
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-penal-npa-step
+            [loanProductsTemplate]="loanProductsTemplate"
+          ></mifosx-loan-product-penal-npa-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-arrows-rotate lp-tab-icon"></i>
+          RENEWAL &amp; CLOSURE
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-renewal-closure-step></mifosx-loan-product-renewal-closure-step>
+        </div>
+      </mat-tab>
+
+      @if (isOverdraftFacility) {
+        <mat-tab>
+          <ng-template mat-tab-label>
+            <i class="fas fa-money-check lp-tab-icon"></i>
+            CHEQUE BOOK
+          </ng-template>
+          <div class="lp-tab-content">
+            <mifosx-loan-product-cheque-book-step></mifosx-loan-product-cheque-book-step>
+          </div>
+        </mat-tab>
+      }
+    }
+
+    @if (!isAdvanceProduct) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-cog lp-tab-icon"></i>
+          {{ 'labels.inputs.SETTINGS' | translate }}
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-settings-step
+            [loanProductsTemplate]="loanProductsTemplate"
+            [isLinkedToFloatingInterestRates]="loanProductTermsForm?.get('isLinkedToFloatingInterestRates')"
+            [productTypeGroup]="loanProductDetailsForm.get('productTypeGroup')"
+            (advancePaymentStrategy)="advancePaymentStrategy($event)"
+          ></mifosx-loan-product-settings-step>
+        </div>
+      </mat-tab>
+    }
 
     @if (isAdvancedPaymentStrategy) {
       <mat-tab>
@@ -90,15 +165,19 @@
       </mat-tab>
     }
 
-    <mat-tab>
-      <ng-template mat-tab-label>
-        <i class="fas fa-sliders-h lp-tab-icon"></i>
-        {{ 'labels.inputs.TERMS' | translate }}
-      </ng-template>
-      <div class="lp-tab-content">
-        <mifosx-loan-product-terms-step [loanProductsTemplate]="loanProductsTemplate"></mifosx-loan-product-terms-step>
-      </div>
-    </mat-tab>
+    @if (!isAdvanceProduct) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-sliders-h lp-tab-icon"></i>
+          {{ 'labels.inputs.TERMS' | translate }}
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-terms-step
+            [loanProductsTemplate]="loanProductsTemplate"
+          ></mifosx-loan-product-terms-step>
+        </div>
+      </mat-tab>
+    }
 
     <mat-tab>
       <ng-template mat-tab-label>
@@ -109,7 +188,7 @@
         <mifosx-loan-product-charges-step
           [loanProductsTemplate]="loanProductsTemplate"
           [currencyCode]="loanProductCurrencyForm.get('currencyCode')"
-          [multiDisburseLoan]="loanProductSettingsForm.get('multiDisburseLoan')"
+          [multiDisburseLoan]="loanProductSettingsForm?.get('multiDisburseLoan') ?? multiDisburseFallback"
         ></mifosx-loan-product-charges-step>
       </div>
     </mat-tab>

src/app/products/loan-products/create-loan-product/create-loan-product.component.ts

@@ -13,6 +13,12 @@ import { ActivatedRoute, Router } from '@angular/router';
 /** Custom Components */
 import { LoanProductDetailsStepComponent } from '../loan-product-stepper/loan-product-details-step/loan-product-details-step.component';
 import { LoanProductCurrencyStepComponent } from '../loan-product-stepper/loan-product-currency-step/loan-product-currency-step.component';
+import { LoanProductSecurityLienStepComponent } from '../loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component';
+import { LoanProductAdvanceLimitTenureStepComponent } from '../loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component';
+import { LoanProductAdvanceInterestStepComponent } from '../loan-product-stepper/loan-product-advance-interest-step/loan-product-advance-interest-step.component';
+import { LoanProductPenalNpaStepComponent } from '../loan-product-stepper/loan-product-penal-npa-step/loan-product-penal-npa-step.component';
+import { LoanProductRenewalClosureStepComponent } from '../loan-product-stepper/loan-product-renewal-closure-step/loan-product-renewal-closure-step.component';
+import { LoanProductChequeBookStepComponent } from '../loan-product-stepper/loan-product-cheque-book-step/loan-product-cheque-book-step.component';
 import { LoanProductTermsStepComponent } from '../loan-product-stepper/loan-product-terms-step/loan-product-terms-step.component';
 import { LoanProductSettingsStepComponent } from '../loan-product-stepper/loan-product-settings-step/loan-product-settings-step.component';
 import { LoanProductChargesStepComponent } from '../loan-product-stepper/loan-product-charges-step/loan-product-charges-step.component';
@@ -34,7 +40,7 @@ import {
 import { Accounting } from 'app/core/utils/accounting';
 import { StringEnumOptionData } from '../../../shared/models/option-data.model';
 import { LoanProductDeferredIncomeRecognitionStepComponent } from '../loan-product-stepper/loan-product-capitalized-income-step/loan-product-deferred-income-recognition-step.component';
-import { UntypedFormGroup } from '@angular/forms';
+import { UntypedFormControl, UntypedFormGroup } from '@angular/forms';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { LoanProductPaymentStrategyStepComponent } from '../loan-product-stepper/loan-product-payment-strategy-step/loan-product-payment-strategy-step.component';
 import { LoanProductPreviewStepComponent } from '../loan-product-stepper/loan-product-preview-step/loan-product-preview-step.component';
@@ -51,6 +57,12 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     FaIconComponent,
     LoanProductDetailsStepComponent,
     LoanProductCurrencyStepComponent,
+    LoanProductSecurityLienStepComponent,
+    LoanProductAdvanceLimitTenureStepComponent,
+    LoanProductAdvanceInterestStepComponent,
+    LoanProductPenalNpaStepComponent,
+    LoanProductRenewalClosureStepComponent,
+    LoanProductChequeBookStepComponent,
     LoanProductSettingsStepComponent,
     LoanProductInterestRefundStepComponent,
     LoanProductPaymentStrategyStepComponent,
@@ -73,12 +85,27 @@ export class CreateLoanProductComponent implements OnInit {
   @ViewChild(LoanProductDetailsStepComponent, { static: true }) loanProductDetailsStep: LoanProductDetailsStepComponent;
   @ViewChild(LoanProductCurrencyStepComponent, { static: true })
   loanProductCurrencyStep: LoanProductCurrencyStepComponent;
+  // Conditional tabs (Advances A/C only): static false — resolved after the @if renders them.
+  @ViewChild(LoanProductSecurityLienStepComponent)
+  loanProductSecurityLienStep: LoanProductSecurityLienStepComponent;
+  @ViewChild(LoanProductAdvanceLimitTenureStepComponent)
+  loanProductAdvanceLimitTenureStep: LoanProductAdvanceLimitTenureStepComponent;
+  @ViewChild(LoanProductAdvanceInterestStepComponent)
+  loanProductAdvanceInterestStep: LoanProductAdvanceInterestStepComponent;
+  @ViewChild(LoanProductPenalNpaStepComponent) loanProductPenalNpaStep: LoanProductPenalNpaStepComponent;
+  @ViewChild(LoanProductRenewalClosureStepComponent)
+  loanProductRenewalClosureStep: LoanProductRenewalClosureStepComponent;
+  @ViewChild(LoanProductChequeBookStepComponent) loanProductChequeBookStep: LoanProductChequeBookStepComponent;
+
+  /** Charges step needs a real control; Settings is absent on the Advances path, so fall back to this. */
+  readonly multiDisburseFallback = new UntypedFormControl(false);
   @ViewChild(LoanProductInterestRefundStepComponent, { static: true })
   loanProductInterestRefundStep: LoanProductInterestRefundStepComponent;
   @ViewChild(LoanProductDeferredIncomeRecognitionStepComponent, { static: true })
   loanProductDeferredIncomeRecognitionStep: LoanProductDeferredIncomeRecognitionStepComponent;
-  @ViewChild(LoanProductTermsStepComponent, { static: true }) loanProductTermsStep: LoanProductTermsStepComponent;
-  @ViewChild(LoanProductSettingsStepComponent, { static: true })
+  // Terms & Settings tabs are now conditional (Loans path only), so resolve them non-statically.
+  @ViewChild(LoanProductTermsStepComponent) loanProductTermsStep: LoanProductTermsStepComponent;
+  @ViewChild(LoanProductSettingsStepComponent)
   loanProductSettingsStep: LoanProductSettingsStepComponent;
   @ViewChild(LoanProductChargesStepComponent, { static: true }) loanProductChargesStep: LoanProductChargesStepComponent;
   @ViewChild(LoanProductAccountingStepComponent, { static: true })
@@ -143,7 +170,18 @@ export class CreateLoanProductComponent implements OnInit {
   }
 
   get loanProductTermsForm() {
-    return this.loanProductTermsStep.loanProductTermsForm;
+    // Absent on the Advances path (tab hidden), so guard for callers.
+    return this.loanProductTermsStep?.loanProductTermsForm;
+  }
+
+  /** True once the Advance Limit & Tenure step reports an Overdraft (running) facility. */
+  get isOverdraftFacility(): boolean {
+    return this.isAdvanceProduct && !!this.loanProductAdvanceLimitTenureStep?.isOverdraft;
+  }
+
+  /** Sub type chosen on the Details step; drives the FD 12–15 month tenure policy downstream. */
+  get advanceSubType(): string {
+    return this.loanProductDetailsStep?.loanProductDetailsForm?.get('productTypeSubGroup')?.value ?? '';
   }
 
   advancePaymentStrategy(value: string) {
@@ -231,47 +269,71 @@ export class CreateLoanProductComponent implements OnInit {
   }
 
   get loanProductSettingsForm() {
-    return this.loanProductSettingsStep.loanProductSettingsForm;
+    // Absent on the Advances path (tab hidden), so guard for callers.
+    return this.loanProductSettingsStep?.loanProductSettingsForm;
   }
 
   get loanProductAccountingForm() {
     return this.loanProductAccountingStep.loanProductAccountingForm;
   }
 
+  /** The Details step's chosen product type; drives the Advances-only tabs. */
+  get isAdvanceProduct(): boolean {
+    return this.loanProductDetailsForm?.get('productTypeGroup')?.value === 'advances';
+  }
+
   get totalTabs(): number {
-    let tabs = 6; // details, currency, settings, terms, charges, accounting
-    if (this.isAdvancedPaymentStrategy) tabs += 3; // interest refund, payment allocation, deferred income
+    let tabs = 4; // details, currency, charges, accounting (always)
+    if (this.isAdvanceProduct) {
+      // security & lien, limit & tenure, interest, penal & npa, renewal & closure
+      tabs += 5;
+      if (this.isOverdraftFacility) tabs += 1; // cheque book
+    } else {
+      tabs += 2; // settings, terms
+      if (this.isAdvancedPaymentStrategy) tabs += 3; // interest refund, payment allocation, deferred income
+    }
     if (this.loanProductFormValid) tabs += 1; // preview
     return tabs;
   }
 
   get loanProductFormValid() {
-    if (this.isAdvancedPaymentStrategy) {
+    const base =
+      this.loanProductDetailsForm.valid && this.loanProductCurrencyForm.valid && this.loanProductAccountingForm.valid;
+
+    // Advances A/C: the curated Figma steps gate the form; Settings/Terms tabs are hidden.
+    if (this.isAdvanceProduct) {
       return (
-        this.loanProductDetailsForm.valid &&
-        this.loanProductCurrencyForm.valid &&
-        this.loanProductTermsForm.valid &&
-        this.loanProductSettingsForm.valid &&
-        this.loanIncomeCapitalizationForm.valid &&
-        this.loanProductAccountingForm.valid
-      );
-    } else {
-      return (
-        this.loanProductDetailsForm.valid &&
-        this.loanProductCurrencyForm.valid &&
-        this.loanProductTermsForm.valid &&
-        this.loanProductSettingsForm.valid &&
-        this.loanProductAccountingForm.valid
+        base &&
+        !!this.loanProductSecurityLienStep?.loanProductSecurityLienForm?.valid &&
+        !!this.loanProductAdvanceLimitTenureStep?.loanProductAdvanceLimitTenureForm?.valid &&
+        !!this.loanProductAdvanceInterestStep?.loanProductAdvanceInterestForm?.valid &&
+        !!this.loanProductPenalNpaStep?.loanProductPenalNpaForm?.valid &&
+        !!this.loanProductRenewalClosureStep?.loanProductRenewalClosureForm?.valid &&
+        (!this.isOverdraftFacility || !!this.loanProductChequeBookStep?.loanProductChequeBookForm?.valid)
       );
     }
+
+    // Loans A/C: original Settings + Terms path.
+    const loansValid = !!this.loanProductTermsForm?.valid && !!this.loanProductSettingsForm?.valid;
+    if (this.isAdvancedPaymentStrategy) {
+      return base && loansValid && !!this.loanIncomeCapitalizationForm?.valid;
+    }
+    return base && loansValid;
   }
 
   get loanProduct() {
+    // Advances A/C builds its own payload: the curated steps map onto Fineract's mandatory core fields
+    // (principal, tenure, rate, amortization defaults) plus the whitelisted satellite params.
+    if (this.isAdvanceProduct) {
+      return this.assembleAdvanceProduct();
+    }
+
+    // Loans A/C: original composition (Settings/Terms present).
     const loanProduct = {
       ...this.loanProductDetailsStep.loanProductDetails,
       ...this.loanProductCurrencyStep.loanProductCurrency,
-      ...this.loanProductTermsStep.loanProductTerms,
-      ...this.loanProductSettingsStep.loanProductSettings,
+      ...(this.loanProductTermsStep?.loanProductTerms ?? {}),
+      ...(this.loanProductSettingsStep?.loanProductSettings ?? {}),
       ...this.loanProductChargesStep.loanProductCharges,
       ...this.loanProductAccountingStep.loanProductAccounting
     };
@@ -304,6 +366,163 @@ export class CreateLoanProductComponent implements OnInit {
     return loanProduct;
   }
 
+  /**
+   * Builds the create payload for an Advances A/C product: the curated wizard steps mapped onto Fineract's
+   * mandatory core fields (so the standard product saves) plus the whitelisted satellite params (persisted by
+   * LoanProductAdvanceExtService). Only keys the backend accepts are emitted — an unknown key would be
+   * rejected by checkForUnsupportedParameters.
+   */
+  private assembleAdvanceProduct(): any {
+    const num = (v: any): number | undefined => (v === '' || v === null || v === undefined ? undefined : Number(v));
+
+    const d = this.loanProductDetailsStep.loanProductDetails;
+    const cur = this.loanProductCurrencyStep.loanProductCurrency;
+    const sec = this.loanProductSecurityLienStep.loanProductSecurityLien;
+    const lt = this.loanProductAdvanceLimitTenureStep.loanProductAdvanceLimitTenure;
+    const intr = this.loanProductAdvanceInterestStep.loanProductAdvanceInterest;
+    const pn = this.loanProductPenalNpaStep.loanProductPenalNpa;
+    const rc = this.loanProductRenewalClosureStep.loanProductRenewalClosure;
+    const cb = this.isOverdraftFacility ? this.loanProductChequeBookStep?.loanProductChequeBook : null;
+
+    const defaultStrategy = this.loanProductsTemplate?.transactionProcessingStrategyOptions?.[0]?.code;
+    const minTenure = num(lt.minTenure);
+    const minRate = num(intr.minRate);
+
+    const payload: any = {
+      // identity + currency
+      name: d.name,
+      shortName: d.shortName,
+      description: d.description,
+      startDate: d.startDate,
+      closeDate: d.closeDate,
+      currencyCode: cur.currencyCode,
+      digitsAfterDecimal: cur.digitsAfterDecimal,
+      inMultiplesOf: 1,
+
+      // limit -> principal
+      minPrincipal: num(lt.minLimit),
+      principal: num(lt.defaultLimit) ?? num(lt.minLimit),
+      maxPrincipal: num(lt.maxLimit),
+
+      // tenure -> repayments (monthly)
+      minNumberOfRepayments: minTenure,
+      numberOfRepayments: num(lt.defaultTenure) ?? minTenure,
+      maxNumberOfRepayments: num(lt.maxTenure),
+      repaymentEvery: 1,
+      repaymentFrequencyType: 2, // months
+
+      // rate
+      minInterestRatePerPeriod: minRate,
+      interestRatePerPeriod: minRate,
+      maxInterestRatePerPeriod: num(intr.maxRate),
+      interestRateFrequencyType: 3, // per year
+
+      // Fineract mandatory engine defaults for an Advance (no EMI schedule shown to the officer)
+      amortizationType: 1, // equal installments
+      interestType: 0, // declining balance
+      interestCalculationPeriodType: 1, // same as repayment period
+      transactionProcessingStrategyCode: defaultStrategy,
+      daysInYearType: 1, // actual
+      daysInMonthType: 1, // actual
+      isInterestRecalculationEnabled: false,
+
+      // NPA / delinquency map onto core product fields
+      overdueDaysForNPA: num(pn.npaDays),
+      graceOnArrearsAgeing: num(pn.graceOnArrearsAgeing),
+      inArrearsTolerance: num(pn.inArrearsTolerance),
+      delinquencyBucketId: pn.delinquencyBucketId || undefined,
+
+      // accounting rule + GL mappings + charges (all standard, whitelisted)
+      ...this.loanProductAccountingStep.loanProductAccounting,
+      ...this.loanProductChargesStep.loanProductCharges,
+
+      // ---- satellite params (must match LoanProductAdvanceExtService.ADVANCE_PARAMETERS) ----
+      productTypeGroup: d.productTypeGroup,
+      productTypeSubGroup: d.productTypeSubGroup,
+      glAccount: d.glAccount || undefined,
+      loanProductCategory: d.loanProductCategory,
+      prioritySector: d.prioritySector,
+      cibilAccountType: d.cibilAccountType,
+      kfsEnabled: d.kfsEnabled,
+      aprEnabled: d.aprEnabled,
+      facilityType: lt.facilityType,
+      securityType: sec.securityType,
+      eligibleAmountBasis: sec.eligibleAmountBasis,
+      margin: num(sec.margin),
+      ltv: sec.ltv,
+      dpMethod: 'security_value_x_ltv',
+      lienRequired: this.loanProductSecurityLienStep.isLienSubType,
+      lienMarkingStage: sec.lienMarkingStage,
+      lienCertificateRequired: sec.lienCertificateRequired,
+      lienCertificatePrefix: sec.lienCertificatePrefix,
+      printCertificateOnDisbursement: sec.printOnDisbursement,
+      interestBasis: intr.interestBasis,
+      spread: num(intr.spread),
+      interestChargedOn: intr.interestChargedOn,
+      interestPostingFrequency: intr.postingFrequency,
+      penalApplicable: pn.penalApplicable,
+      penalRate: num(pn.penalRate),
+      penalAppliedOn: pn.penalAppliedOn,
+      penalGraceDays: num(pn.penalGraceDays),
+      npaTrigger: pn.npaTrigger,
+      interestAfterNpa: pn.interestAfterNpa,
+      renewalAllowed: rc.renewalAllowed,
+      renewalPeriodMonths: num(rc.renewalPeriodMonths),
+      renewalGraceDays: num(rc.renewalGraceDays),
+      preclosureAllowed: rc.preclosureAllowed,
+      lockInMonths: num(rc.lockInMonths),
+      interestOnPreclosure: rc.interestOnPreclosure,
+      chequeBookEnabled: this.isOverdraftFacility,
+      chequeType: cb?.chequeType,
+      defaultChequeBookSize: num(cb?.defaultBookSize),
+      ppsThreshold: num(cb?.ppsThreshold),
+      ppsMandatoryAbove: num(cb?.ppsMandatoryAbove),
+
+      // ---- remaining wizard fields ----
+      // security & lien extras (deposit list joined; rule checkboxes)
+      eligibleDepositProducts: (sec.eligibleDepositProducts ?? []).join('|'),
+      lienTenureNotExceedMaturity: sec.lienRules?.tenureNotExceedMaturity,
+      lienAutoReleaseOnClosure: sec.lienRules?.autoReleaseOnClosure,
+      lienAllowMultipleDeposits: sec.lienRules?.allowMultipleDeposits,
+      lienAdjustFromMaturity: sec.lienRules?.adjustFromMaturity,
+      lienAllowThirdParty: sec.lienRules?.allowThirdPartyDeposit,
+      lienAllowRenewalUnderLien: sec.lienRules?.allowRenewalUnderLien,
+      // limit & tenure extras
+      repaymentType: lt.repaymentType,
+      appropriationOrder: lt.appropriationOrder,
+      debitBalanceAllow: lt.debitBalanceAllow,
+      allowDebitAfterDueDate: lt.allowDebitTransAfterDueDate,
+      branchLevelAccountType: lt.branchLevelAccountType,
+      // interest extras
+      interestCalcMethod: intr.calcMethod,
+      interestOnCreditBalance: intr.interestOnCreditBalance,
+      interestPostingDay: intr.postingDay,
+      // NPA upgrade rules
+      npaUpgradeOnlyAllArrears: pn.upgradeOnlyAllArrears,
+      npaKeepStandardIfDepositCovers: pn.keepStandardIfDepositCovers,
+      // cheque book full config
+      chequeBookSizes: (cb?.bookSizes ?? []).join('|'),
+      chequeMaxBooksOutstanding: num(cb?.maxBooksOutstanding),
+      chequeReissueWhenLeaves: num(cb?.reissueWhenLeaves),
+      chequeFirstBookFree: cb?.firstBookFree,
+      chequeFreeBooksPerYear: num(cb?.freeBooksPerYear),
+      chequeNamePrinted: cb?.namePrinted,
+      chequePrintDescription: cb?.chequePrintDescription,
+      chequeStopPaymentAllowed: cb?.stopPaymentAllowed,
+      chequeMaintainStockRegister: cb?.maintainStockRegister,
+      chequeAllowWithdrawalSlip: cb?.allowWithdrawalSlip,
+      chequeBlockNpa: cb?.blockNpa,
+      chequeBlockLimitExpired: cb?.blockLimitExpired,
+      chequeBlockOverDp: cb?.blockOverDp,
+      chequeBlockFrozen: cb?.blockFrozen,
+      chequeBlockLienReleased: cb?.blockLienReleased
+    };
+
+    // Drop undefined keys so we never send an unresolved value.
+    Object.keys(payload).forEach((k) => payload[k] === undefined && delete payload[k]);
+    return payload;
+  }
+
   submit() {
     const loanProduct = this.loanProducts.buildPayload(this.loanProduct, this.itemsByDefault);
     if (this.isAdvancedPaymentStrategy) {

src/app/products/loan-products/loan-product-stepper/advance-steps.scss

@@ -0,0 +1,174 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+/*
+ * Shared styling for the Advances A/C wizard steps (Security & Lien, Limit & Tenure,
+ * Interest, Penal & NPA, Renewal & Closure, Cheque Book).
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.adv-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    h3 {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+
+  &__hint {
+    margin-left: auto;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.adv-subsection {
+  padding: 16px 24px;
+
+  & + & {
+    border-top: 1px solid $border;
+  }
+}
+
+.adv-group {
+  margin: 0 0 12px;
+  font-size: 12px;
+  font-weight: 600;
+  letter-spacing: 0.06em;
+  text-transform: uppercase;
+  color: #5f6368;
+}
+
+.adv-grid {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 4px 16px;
+  padding: 16px 24px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-grid--3 {
+  grid-template-columns: repeat(3, 1fr);
+
+  @media (width <= 900px) {
+    grid-template-columns: repeat(2, 1fr);
+  }
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-subsection .adv-grid {
+  padding: 0;
+}
+
+.adv-field {
+  width: 100%;
+
+  &--full {
+    grid-column: 1 / -1;
+  }
+}
+
+.adv-checks {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px 32px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-type-options {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px;
+  padding: 16px 24px 0;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-type-option {
+  border: 1px solid #cbd5e1;
+  border-radius: 8px;
+  padding: 10px 14px;
+
+  &__label {
+    display: block;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__hint {
+    display: block;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.adv-note {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  margin-top: 16px;
+  padding: 12px 24px;
+  border: 1px dashed $border;
+  border-radius: 10px;
+  font-size: 13px;
+  color: #5f6368;
+
+  i {
+    color: $accent;
+    margin-top: 2px;
+  }
+}
+
+.adv-info {
+  padding: 12px 16px;
+  border-radius: 8px;
+  background: #f0f9ff;
+  border: 1px solid #bae6fd;
+  font-size: 13px;
+  color: #075985;
+  line-height: 1.5;
+}

src/app/products/loan-products/loan-product-stepper/loan-product-advance-interest-step/loan-product-advance-interest-step.component.html

@@ -0,0 +1,120 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductAdvanceInterestForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-percent"></i>
+      <h3>Rate</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest Basis</mat-label>
+        <mat-select formControlName="interestBasis">
+          @for (opt of interestBasisOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      @if (showSpread) {
+        <mat-form-field appearance="outline" class="adv-field">
+          <mat-label>Spread over Deposit Rate (%)</mat-label>
+          <input matInput type="number" formControlName="spread" min="0" max="20" step="0.01" />
+          <mat-hint>Advance rate = deposit rate + spread</mat-hint>
+        </mat-form-field>
+      } @else {
+        <div class="adv-field"></div>
+      }
+      <div class="adv-field"></div>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Rate (% p.a.)</mat-label>
+        <input matInput type="number" formControlName="minRate" min="0" step="0.01" required />
+        <mat-error>Minimum Rate is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Rate (% p.a.)</mat-label>
+        <input matInput type="number" formControlName="maxRate" min="0" step="0.01" required />
+        <mat-error>Maximum Rate is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-sliders-h"></i>
+      <h3>Calculation</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Calculation Method</mat-label>
+        <mat-select formControlName="calcMethod">
+          @for (opt of calcMethodOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Days in Year</mat-label>
+        <mat-select formControlName="daysInYear">
+          @for (opt of daysInYearOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Days in Month</mat-label>
+        <mat-select formControlName="daysInMonth">
+          @for (opt of daysInMonthOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest Charged On</mat-label>
+        <mat-select formControlName="interestChargedOn">
+          @for (opt of chargedOnOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest on Credit Balance</mat-label>
+        <mat-select formControlName="interestOnCreditBalance">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-clock"></i>
+      <h3>Posting</h3>
+    </div>
+    <div class="adv-grid">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Posting Frequency</mat-label>
+        <mat-select formControlName="postingFrequency">
+          @for (opt of postingFrequencyOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Posting Day</mat-label>
+        <mat-select formControlName="postingDay">
+          @for (opt of postingDayOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-advance-interest-step/loan-product-advance-interest-step.component.ts

@@ -0,0 +1,105 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Interest step for an Advances A/C product (Figma step 5). Interest basis + spread, rate bounds,
+ * daily calculation and monthly posting. UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-advance-interest-step',
+  templateUrl: './loan-product-advance-interest-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [...STANDALONE_SHARED_IMPORTS]
+})
+export class LoanProductAdvanceInterestStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductAdvanceInterestForm: UntypedFormGroup;
+
+  readonly interestBasisOptions = [
+    { id: 'deposit_spread', label: 'Deposit Rate + Spread' },
+    { id: 'fixed', label: 'Fixed rate' },
+    { id: 'floating', label: 'Floating (EBLR-linked)' }
+  ];
+
+  readonly calcMethodOptions = [
+    { id: 'daily', label: 'Daily product (daily outstanding)' },
+    { id: 'monthly', label: 'Monthly average balance' }
+  ];
+
+  readonly daysInYearOptions = [
+    'Actual (365 / 366)',
+    '365',
+    '360'
+  ];
+  readonly daysInMonthOptions = [
+    'Actual',
+    '30'
+  ];
+
+  readonly chargedOnOptions = [
+    { id: 'utilised', label: 'Utilised (debit) balance' },
+    { id: 'limit', label: 'Sanctioned limit' }
+  ];
+
+  readonly postingFrequencyOptions = [
+    'Monthly',
+    'Quarterly',
+    'Half-yearly',
+    'At Maturity'
+  ];
+  readonly postingDayOptions = [
+    'Last day of month',
+    '1st of month',
+    'Anniversary day'
+  ];
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.loanProductAdvanceInterestForm = this.formBuilder.group({
+      interestBasis: ['deposit_spread'],
+      spread: [
+        2.0,
+        [
+          Validators.min(0),
+          Validators.max(20)
+        ]
+      ],
+      minRate: [
+        '',
+        Validators.required
+      ],
+      maxRate: [
+        '',
+        Validators.required
+      ],
+      calcMethod: ['daily'],
+      daysInYear: ['Actual (365 / 366)'],
+      daysInMonth: ['Actual'],
+      interestChargedOn: ['utilised'],
+      interestOnCreditBalance: ['NO'],
+      postingFrequency: ['Monthly'],
+      postingDay: ['Last day of month']
+    });
+  }
+
+  get showSpread(): boolean {
+    return this.loanProductAdvanceInterestForm.get('interestBasis').value === 'deposit_spread';
+  }
+
+  get loanProductAdvanceInterest() {
+    return this.loanProductAdvanceInterestForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component.html

@@ -0,0 +1,155 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductAdvanceLimitTenureForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-layer-group"></i>
+      <h3>Facility Type</h3>
+    </div>
+    <mat-radio-group formControlName="facilityType" class="adv-type-options">
+      <mat-radio-button value="demand" class="adv-type-option">
+        <span class="adv-type-option__label">Demand Loan</span>
+        <span class="adv-type-option__hint">Paid out once; repaid at maturity. No cheque book.</span>
+      </mat-radio-button>
+      <mat-radio-button value="overdraft" class="adv-type-option">
+        <span class="adv-type-option__label">Overdraft (Running)</span>
+        <span class="adv-type-option__hint">Draw and repay any time within the limit. Cheque book allowed.</span>
+      </mat-radio-button>
+    </mat-radio-group>
+    <div style="padding: 16px 24px 20px">
+      <div class="adv-info">
+        This choice decides whether the <strong>Cheque Book</strong> step appears. CC / OD sub types are always running.
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-coins"></i>
+      <h3>Limit</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Limit (₹)</mat-label>
+        <input matInput type="number" formControlName="minLimit" min="0" required />
+        <mat-error>Minimum Limit is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Limit (₹)</mat-label>
+        <input matInput type="number" formControlName="defaultLimit" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Limit (₹)</mat-label>
+        <input matInput type="number" formControlName="maxLimit" min="0" required />
+        <mat-error>Maximum Limit is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-clock"></i>
+      <h3>Tenure &amp; Repayment</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Tenure (months)</mat-label>
+        <input matInput type="number" formControlName="minTenure" [min]="tenureMin" [max]="tenureMax" required />
+        @if (isFdTenureLocked) {
+          <mat-hint>FD policy: 12–15 months only</mat-hint>
+        }
+        <mat-error>
+          @if (isFdTenureLocked) {
+            Must be between <strong>12 and 15</strong> months
+          } @else {
+            Minimum Tenure is <strong>required</strong>
+          }
+        </mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Tenure (months)</mat-label>
+        <input matInput type="number" formControlName="defaultTenure" [min]="tenureMin" [max]="tenureMax" />
+        @if (isFdTenureLocked) {
+          <mat-hint>Between 12 and 15</mat-hint>
+          <mat-error>Must be between <strong>12 and 15</strong> months</mat-error>
+        }
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Tenure (months)</mat-label>
+        <input matInput type="number" formControlName="maxTenure" [min]="tenureMin" [max]="tenureMax" required />
+        @if (isFdTenureLocked) {
+          <mat-hint>FD policy: max 15 months (also capped at deposit maturity)</mat-hint>
+        } @else {
+          <mat-hint>Also capped at the deposit's maturity (Lien rule)</mat-hint>
+        }
+        <mat-error>
+          @if (isFdTenureLocked) {
+            Must be between <strong>12 and 15</strong> months
+          } @else {
+            Maximum Tenure is <strong>required</strong>
+          }
+        </mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Repayment Type</mat-label>
+        <mat-select formControlName="repaymentType">
+          @for (opt of repaymentTypeOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field adv-field--full">
+        <mat-label>Appropriation Order</mat-label>
+        <mat-select formControlName="appropriationOrder">
+          @for (opt of appropriationOrderOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-toggle-on"></i>
+      <h3>Account Behaviour</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Debit Balance Allow</mat-label>
+        <mat-select formControlName="debitBalanceAllow">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Allow Debit Trans After Due Date</mat-label>
+        <mat-select formControlName="allowDebitTransAfterDueDate">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Branch Level A/c Type</mat-label>
+        <mat-select formControlName="branchLevelAccountType">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-circle-info"></i>
+    <span>EMI fields (Number of Repayments, Repaid Every, Variable Installments) are hidden for an Advance.</span>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component.ts

@@ -0,0 +1,171 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject, Input } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Limit & Tenure step for an Advances A/C product (Figma step 4).
+ *
+ * Facility Type here decides the rest of the flow: an Overdraft (running) facility gets a cheque book,
+ * a Demand Loan does not. UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-advance-limit-tenure-step',
+  templateUrl: './loan-product-advance-limit-tenure-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatRadioGroup,
+    MatRadioButton
+  ]
+})
+export class LoanProductAdvanceLimitTenureStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductAdvanceLimitTenureForm: UntypedFormGroup;
+
+  /**
+   * Product sub type picked on the Details step. "Loan against FD" is bank-policy capped to a
+   * 12–15 month tenure, so the officer cannot create an FD product outside that band. Other
+   * advance sub types (Gold, RD, CC, …) stay open.
+   */
+  private _productSubType = '';
+  @Input()
+  set productSubType(value: string) {
+    const next = value || '';
+    if (next === this._productSubType) {
+      return;
+    }
+    this._productSubType = next;
+    this.applyTenurePolicy();
+  }
+  get productSubType(): string {
+    return this._productSubType;
+  }
+
+  readonly repaymentTypeOptions = [
+    { id: 'bullet', label: 'Bullet – principal + interest at maturity' },
+    { id: 'running', label: 'Running – any time; clear by limit expiry' }
+  ];
+
+  readonly appropriationOrderOptions = [
+    { id: 'charges_penal_interest_principal', label: 'Charges → Penal → Interest → Principal' },
+    { id: 'penal_interest_principal_charges', label: 'Penal → Interest → Principal → Charges' }
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.loanProductAdvanceLimitTenureForm = this.formBuilder.group({
+      facilityType: ['demand'],
+      minLimit: [
+        '',
+        Validators.required
+      ],
+      defaultLimit: [''],
+      maxLimit: [
+        '',
+        Validators.required
+      ],
+      minTenure: [
+        12,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      defaultTenure: [12],
+      maxTenure: [
+        15,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      repaymentType: ['bullet'],
+      appropriationOrder: ['charges_penal_interest_principal'],
+      debitBalanceAllow: ['YES'],
+      allowDebitTransAfterDueDate: ['NO'],
+      branchLevelAccountType: ['NO']
+    });
+  }
+
+  /** Read by the wizard to decide whether the Cheque Book step applies. */
+  get isOverdraft(): boolean {
+    return this.loanProductAdvanceLimitTenureForm.get('facilityType').value === 'overdraft';
+  }
+
+  get loanProductAdvanceLimitTenure() {
+    return this.loanProductAdvanceLimitTenureForm.getRawValue();
+  }
+
+  /** True when the FD 12–15 month cap is in force (drives the hints/errors in the template). */
+  get isFdTenureLocked(): boolean {
+    return this._productSubType === 'fd';
+  }
+
+  get tenureMin(): number {
+    return this.isFdTenureLocked ? 12 : 1;
+  }
+
+  get tenureMax(): number | null {
+    return this.isFdTenureLocked ? 15 : null;
+  }
+
+  /**
+   * FD advances are bank-policy capped to 12–15 months; every other sub type stays open (min 1).
+   * Called whenever the sub type changes so the validators — and thus the wizard's validity gate —
+   * match the selected product.
+   */
+  private applyTenurePolicy(): void {
+    const form = this.loanProductAdvanceLimitTenureForm;
+    if (!form) {
+      return;
+    }
+    const min = form.get('minTenure');
+    const def = form.get('defaultTenure');
+    const max = form.get('maxTenure');
+    if (this._productSubType === 'fd') {
+      const bounds = [
+        Validators.min(12),
+        Validators.max(15)
+      ];
+      min.setValidators([
+        Validators.required,
+        ...bounds
+      ]);
+      def.setValidators(bounds);
+      max.setValidators([
+        Validators.required,
+        ...bounds
+      ]);
+      min.setValue(12, { emitEvent: false });
+      def.setValue(12, { emitEvent: false });
+      max.setValue(15, { emitEvent: false });
+    } else {
+      min.setValidators([
+        Validators.required,
+        Validators.min(1)
+      ]);
+      def.setValidators([Validators.min(1)]);
+      max.setValidators([
+        Validators.required,
+        Validators.min(1)
+      ]);
+    }
+    min.updateValueAndValidity({ emitEvent: false });
+    def.updateValueAndValidity({ emitEvent: false });
+    max.updateValueAndValidity({ emitEvent: false });
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-cheque-book-step/loan-product-cheque-book-step.component.html

@@ -0,0 +1,144 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductChequeBookForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-money-check"></i>
+      <h3>Cheque Book Facility</h3>
+      <span class="adv-section__hint">Overdraft (running) only</span>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field adv-field--full" style="grid-column: span 2">
+        <mat-label>Cheque Type</mat-label>
+        <mat-select formControlName="chequeType">
+          @for (opt of chequeTypeOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Book Sizes Allowed (leaves)</mat-label>
+        <mat-select formControlName="bookSizes" multiple>
+          @for (opt of bookSizeOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Book Size (leaves)</mat-label>
+        <mat-select formControlName="defaultBookSize">
+          @for (opt of bookSizeOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Max Books Outstanding</mat-label>
+        <input matInput type="number" formControlName="maxBooksOutstanding" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Reissue When Unused Leaves ≤</mat-label>
+        <input matInput type="number" formControlName="reissueWhenLeaves" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>First Cheque Book Free</mat-label>
+        <mat-select formControlName="firstBookFree">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Free Cheque Books per Year</mat-label>
+        <input matInput type="number" formControlName="freeBooksPerYear" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Name Printed on Cheque</mat-label>
+        <mat-select formControlName="namePrinted">
+          @for (opt of namePrintedOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field adv-field--full" style="grid-column: span 2">
+        <mat-label>Cheque Print Description</mat-label>
+        <input matInput formControlName="chequePrintDescription" />
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-shield-halved"></i>
+      <h3>Validation &amp; Security</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Positive Pay (PPS) Threshold (₹)</mat-label>
+        <input matInput type="number" formControlName="ppsThreshold" min="0" required />
+        <mat-hint>Issuer confirms cheques at or above this</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>PPS Mandatory Above (₹)</mat-label>
+        <input matInput type="number" formControlName="ppsMandatoryAbove" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Cheque Validity</mat-label>
+        <input matInput value="3 months (RBI)" disabled />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Stop Payment Allowed</mat-label>
+        <mat-select formControlName="stopPaymentAllowed">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maintain Cheque Stock Register</mat-label>
+        <mat-select formControlName="maintainStockRegister">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Allow Withdrawal Slip</mat-label>
+        <mat-select formControlName="allowWithdrawalSlip">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-ban"></i>
+      <h3>Block Cheque Issue &amp; Clearing When</h3>
+    </div>
+    <div class="adv-subsection">
+      <div class="adv-checks">
+        <mat-checkbox formControlName="blockNpa">Account is NPA or out of order</mat-checkbox>
+        <mat-checkbox formControlName="blockLimitExpired">Limit has expired (renewal due)</mat-checkbox>
+        <mat-checkbox formControlName="blockOverDp">Debit would exceed the limit / drawing power</mat-checkbox>
+        <mat-checkbox formControlName="blockFrozen">Account is frozen or inoperative</mat-checkbox>
+        <mat-checkbox formControlName="blockLienReleased">
+          Pledged deposit has matured or its lien was released
+        </mat-checkbox>
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-circle-info"></i>
+    <span>Cheque book fees (issue, per leaf, return, stop payment) are set on the Charges step.</span>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-cheque-book-step/loan-product-cheque-book-step.component.ts

@@ -0,0 +1,92 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Cheque Book step (Figma step 8), shown only when the Facility Type is Overdraft (running).
+ * UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-cheque-book-step',
+  templateUrl: './loan-product-cheque-book-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox
+  ]
+})
+export class LoanProductChequeBookStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductChequeBookForm: UntypedFormGroup;
+
+  readonly chequeTypeOptions = [
+    'CTS-2010 · Payable at par (multi-city)',
+    'CTS-2010 · Local',
+    'Non-CTS'
+  ];
+  readonly bookSizeOptions = [
+    '10',
+    '25',
+    '50',
+    '100'
+  ];
+  readonly namePrintedOptions = [
+    'Account holder name',
+    'Firm / entity name',
+    'As per instruction'
+  ];
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.loanProductChequeBookForm = this.formBuilder.group({
+      chequeType: ['CTS-2010 · Payable at par (multi-city)'],
+      bookSizes: [
+        [
+          '10',
+          '25',
+          '50'
+        ]
+      ],
+      defaultBookSize: ['25'],
+      maxBooksOutstanding: [1],
+      reissueWhenLeaves: [5],
+      firstBookFree: ['YES'],
+      freeBooksPerYear: [1],
+      namePrinted: ['Account holder name'],
+      chequePrintDescription: [''],
+      ppsThreshold: [
+        50000,
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      ppsMandatoryAbove: [500000],
+      stopPaymentAllowed: ['YES'],
+      maintainStockRegister: ['YES'],
+      allowWithdrawalSlip: ['NO'],
+      blockNpa: [true],
+      blockLimitExpired: [true],
+      blockOverDp: [true],
+      blockFrozen: [true],
+      blockLienReleased: [true]
+    });
+  }
+
+  get loanProductChequeBook() {
+    return this.loanProductChequeBookForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.html

@@ -7,178 +7,190 @@
 -->
 
 <form [formGroup]="loanProductDetailsForm">
-  <div class="lpd-section">
-    <div class="lpd-section__header">
-      <i class="fas fa-info-circle"></i>
-      <h3>{{ 'labels.inputs.Product Name' | translate }} &amp; {{ 'labels.inputs.Description' | translate }}</h3>
-    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
-        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-        <input
-          matInput
-          formControlName="name"
-          matTooltip="{{ 'tooltips.Product name is a unique identifier' | translate }}"
-          required
-        />
-        <mat-error>
-          {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
-          <strong>{{ 'labels.commons.required' | translate }}</strong>
-        </mat-error>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>{{ 'labels.inputs.Short Name' | translate }}</mat-label>
-        <input
-          matInput
-          formControlName="shortName"
-          maxlength="4"
-          matTooltip="{{ 'tooltips.Short name is a unique identifier' | translate }}"
-          required
-        />
-        <mat-error>
-          {{ 'labels.inputs.Short Name' | translate }} {{ 'labels.commons.is' | translate }}
-          <strong>{{ 'labels.commons.required' | translate }}</strong>
-        </mat-error>
-      </mat-form-field>
-    </div>
-  </div>
-
-  <div class="lpd-section">
-    <div class="lpd-section__header">
-      <i class="fas fa-calendar-alt"></i>
-      <h3>{{ 'labels.inputs.Availability' | translate }}</h3>
-    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field" (click)="startDatePicker.open()">
-        <mat-label>{{ 'labels.inputs.Start Date' | translate }}</mat-label>
-        <input
-          matInput
-          [min]="minDate"
-          [max]="maxDate"
-          [matDatepicker]="startDatePicker"
-          matTooltip="{{ 'tooltips.loan product will be active and available to clients' | translate }}"
-          formControlName="startDate"
-        />
-        <mat-datepicker-toggle matSuffix [for]="startDatePicker"></mat-datepicker-toggle>
-        <mat-datepicker #startDatePicker></mat-datepicker>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field" (click)="closeDatePicker.open()">
-        <mat-label>{{ 'labels.inputs.Close Date' | translate }}</mat-label>
-        <input
-          matInput
-          [min]="minDate"
-          [max]="maxDate"
-          [matDatepicker]="closeDatePicker"
-          matTooltip="{{ 'tooltips.loan product will become inactive and unavailable to clients' | translate }}"
-          formControlName="closeDate"
-        />
-        <mat-datepicker-toggle matSuffix [for]="closeDatePicker"></mat-datepicker-toggle>
-        <mat-datepicker #closeDatePicker></mat-datepicker>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
-        <mat-label>{{ 'labels.inputs.Description' | translate }}</mat-label>
-        <textarea
-          matInput
-          matTooltip="{{ 'tooltips.Provide additional information' | translate }}"
-          formControlName="description"
-          cdkTextareaAutosize
-          cdkAutosizeMinRows="2"
-        ></textarea>
-      </mat-form-field>
-    </div>
-  </div>
-
-  <!-- Interest Information -->
-  <div class="lpd-section">
-    <div class="lpd-section__header">
-      <i class="fas fa-percentage"></i>
-      <h3>Interest Information</h3>
-    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Debit Int. Calculation</mat-label>
-        <mat-select formControlName="debitIntCalculation">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Separate Penal Int.</mat-label>
-        <mat-select formControlName="separatePenalInterest">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Credit Int. Calculation</mat-label>
-        <mat-select formControlName="creditIntCalculation">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Sub A/c Type Balance</mat-label>
-        <mat-select formControlName="subAccountTypeBalance">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Final Int. Rounding</mat-label>
-        <mat-select formControlName="finalIntRounding">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      @if (loanProductDetailsForm.get('finalIntRounding')?.value) {
-        <mat-form-field appearance="outline" class="lpd-field">
-          <mat-label>Rounding UpTo</mat-label>
-          <input matInput type="number" formControlName="roundingUpTo" min="0" />
-        </mat-form-field>
-      }
-    </div>
-  </div>
-
-  <!-- Product Classification + GL Account — combined section -->
+  <!-- Product Type — picked first; it decides which sections the rest of the wizard shows -->
   <div class="lpd-section">
     <div class="lpd-section__header">
       <i class="fas fa-sitemap"></i>
-      <h3>Product Classification</h3>
+      <h3>Product Type</h3>
     </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Product Type Group</mat-label>
-        <mat-select formControlName="productTypeGroup">
-          @for (group of productTypeGroups; track group.id) {
-            <mat-option [value]="group.id">{{ group.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
+    <mat-radio-group formControlName="productTypeGroup" class="lpd-type-options">
+      @for (group of productTypeGroups; track group.id) {
+        <mat-radio-button [value]="group.id" class="lpd-type-option">
+          <span class="lpd-type-option__label">{{ group.label }}</span>
+          <span class="lpd-type-option__hint">{{ group.hint }}</span>
+        </mat-radio-button>
+      }
+    </mat-radio-group>
 
-      @if (loanProductDetailsForm.get('productTypeGroup')?.value) {
+    @if (loanProductDetailsForm.get('productTypeGroup')?.value) {
+      <div class="lpd-grid">
         <mat-form-field appearance="outline" class="lpd-field">
-          <mat-label>GL Account ({{ glClassificationLabel }})</mat-label>
-          <mat-select formControlName="glAccount">
-            @for (acc of availableGlAccounts; track acc.id) {
-              <mat-option [value]="acc.id"> ({{ acc.glCode }}) {{ acc.name }} </mat-option>
+          <mat-label>Product Sub Type</mat-label>
+          <mat-select formControlName="productTypeSubGroup" [required]="!isExistingProduct">
+            @for (subGroup of availableSubGroups; track subGroup.id) {
+              <mat-option [value]="subGroup.id">{{ subGroup.label }}</mat-option>
             }
           </mat-select>
-          <mat-error>GL Account is required</mat-error>
+          <mat-error>Product Sub Type is <strong>required</strong></mat-error>
         </mat-form-field>
-      }
-    </div>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>GL Account (Asset)</mat-label>
+          <mat-select
+            formControlName="glAccount"
+            [required]="!isExistingProduct"
+            matTooltip="Ledger GL of this product. Account numbers of its loan accounts are generated from this GL."
+          >
+            @for (acc of assetAccountOptions; track acc.id) {
+              <mat-option [value]="acc.id">({{ acc.glCode }}) {{ acc.name }}</mat-option>
+            }
+          </mat-select>
+          <mat-error>GL Account is <strong>required</strong></mat-error>
+        </mat-form-field>
+      </div>
+    }
   </div>
+
+  @if (!isProductTypeChosen) {
+    <div class="lpd-type-pending">
+      <i class="fas fa-circle-info"></i>
+      Select a Product Type and Sub Type to continue.
+    </div>
+  }
+
+  @if (isProductTypeChosen) {
+    <div class="lpd-section">
+      <div class="lpd-section__header">
+        <i class="fas fa-info-circle"></i>
+        <h3>{{ 'labels.inputs.Product Name' | translate }} &amp; {{ 'labels.inputs.Description' | translate }}</h3>
+      </div>
+      <div class="lpd-grid">
+        <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
+          <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
+          <input
+            matInput
+            formControlName="name"
+            matTooltip="{{ 'tooltips.Product name is a unique identifier' | translate }}"
+            required
+          />
+          <mat-error>
+            {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
+            <strong>{{ 'labels.commons.required' | translate }}</strong>
+          </mat-error>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>{{ 'labels.inputs.Short Name' | translate }}</mat-label>
+          <input
+            matInput
+            formControlName="shortName"
+            [maxlength]="isExistingProduct ? 4 : null"
+            matTooltip="{{ 'tooltips.Short name is a unique identifier' | translate }}"
+            required
+            (input)="normalizeShortName($event)"
+          />
+          @if (loanProductDetailsForm.get('shortName').hasError('pattern')) {
+            <mat-error>Short Name must be exactly <strong>2 capital letters</strong> (A–Z)</mat-error>
+          } @else {
+            <mat-error>
+              {{ 'labels.inputs.Short Name' | translate }} {{ 'labels.commons.is' | translate }}
+              <strong>{{ 'labels.commons.required' | translate }}</strong>
+            </mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field lpd-field--row-start" (click)="startDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Start Date' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="minDate"
+            [max]="maxDate"
+            [matDatepicker]="startDatePicker"
+            matTooltip="{{ 'tooltips.loan product will be active and available to clients' | translate }}"
+            formControlName="startDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="startDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #startDatePicker></mat-datepicker>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field" (click)="closeDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Close Date' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="minDate"
+            [max]="maxDate"
+            [matDatepicker]="closeDatePicker"
+            matTooltip="{{ 'tooltips.loan product will become inactive and unavailable to clients' | translate }}"
+            formControlName="closeDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="closeDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #closeDatePicker></mat-datepicker>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
+          <mat-label>{{ 'labels.inputs.Description' | translate }}</mat-label>
+          <textarea
+            matInput
+            matTooltip="{{ 'tooltips.Provide additional information' | translate }}"
+            formControlName="description"
+            cdkTextareaAutosize
+            cdkAutosizeMinRows="2"
+          ></textarea>
+        </mat-form-field>
+      </div>
+    </div>
+
+    <div class="lpd-section">
+      <div class="lpd-section__header">
+        <i class="fas fa-flag"></i>
+        <h3>Regulatory Classification</h3>
+      </div>
+      <div class="lpd-grid">
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>Loan Product Category (RBI)</mat-label>
+          <mat-select formControlName="loanProductCategory">
+            @for (opt of loanProductCategoryOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>Priority Sector</mat-label>
+          <mat-select formControlName="prioritySector">
+            @for (opt of prioritySectorOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>CIBIL Account Type</mat-label>
+          <mat-select formControlName="cibilAccountType">
+            @for (opt of cibilAccountTypeOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>Key Fact Statement (KFS)</mat-label>
+          <mat-select formControlName="kfsEnabled">
+            @for (opt of yesNoOptions; track opt) {
+              <mat-option [value]="opt">{{ opt }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>APR Calculation</mat-label>
+          <mat-select formControlName="aprEnabled">
+            @for (opt of yesNoOptions; track opt) {
+              <mat-option [value]="opt">{{ opt }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
+    </div>
+  }
 </form>

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.scss

@@ -61,6 +61,57 @@ $gray-900: #202124;
   &--full {
     grid-column: 1 / -1;
   }
+
+  // Starts a new row, so Start / Close Date sit together instead of one of them beside Short Name.
+  &--row-start {
+    grid-column-start: 1;
+  }
+}
+
+// Product Type — first section
+.lpd-type-options {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px;
+  padding: 16px 24px 0;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lpd-type-option {
+  border: 1px solid $border;
+  border-radius: 8px;
+  padding: 8px 12px;
+
+  &__label {
+    display: block;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__hint {
+    display: block;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.lpd-type-pending {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-top: 16px;
+  padding: 12px 24px;
+  border: 1px dashed $border;
+  border-radius: 10px;
+  font-size: 13px;
+  color: #5f6368;
+
+  i {
+    color: $accent;
+  }
 }
 
 .lpd-checkbox-row {

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.ts

@@ -15,6 +15,7 @@ import { Dates } from 'app/core/utils/dates';
 import { SettingsService } from 'app/settings/settings.service';
 import { MatTooltip } from '@angular/material/tooltip';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 @Component({
@@ -24,7 +25,9 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
   imports: [
     ...STANDALONE_SHARED_IMPORTS,
     MatTooltip,
-    CdkTextareaAutosize
+    CdkTextareaAutosize,
+    MatRadioGroup,
+    MatRadioButton
   ]
 })
 export class LoanProductDetailsStepComponent implements OnInit {
@@ -50,6 +53,28 @@ export class LoanProductDetailsStepComponent implements OnInit {
   }
 
   ngOnInit() {
+    // Product Type is not persisted by the backend yet, so an existing product comes back without one.
+    // Only a new product is made to pick it first; editing must not hide or block the rest of the form.
+    this.isExistingProduct = !!this.loanProductsTemplate?.id;
+    if (!this.isExistingProduct) {
+      this.loanProductDetailsForm.get('productTypeGroup').setValidators(Validators.required);
+      this.loanProductDetailsForm.get('productTypeSubGroup').setValidators(Validators.required);
+      this.loanProductDetailsForm.get('glAccount').setValidators(Validators.required);
+      // A new product's short name is exactly two capital letters. Saved products keep the old 4-character
+      // rule, so an existing short name such as 'PW16' does not stop the product from being edited.
+      this.loanProductDetailsForm.get('shortName').setValidators([
+        Validators.required,
+        Validators.pattern(/^[A-Z]{2}$/)
+      ]);
+      this.loanProductDetailsForm.get('productTypeGroup').updateValueAndValidity({ emitEvent: false });
+      this.loanProductDetailsForm.get('productTypeSubGroup').updateValueAndValidity({ emitEvent: false });
+      this.loanProductDetailsForm.get('glAccount').updateValueAndValidity({ emitEvent: false });
+      this.loanProductDetailsForm.get('shortName').updateValueAndValidity({ emitEvent: false });
+    }
+
+    // A loan / advance is an asset of the bank, so its ledger GL is always an asset account.
+    this.assetAccountOptions = this.loanProductsTemplate?.accountingMappingOptions?.assetAccountOptions ?? [];
+
     this.loanProductDetailsForm.patchValue({
       name: this.loanProductsTemplate.name,
       shortName: this.loanProductsTemplate.shortName,
@@ -57,83 +82,119 @@ export class LoanProductDetailsStepComponent implements OnInit {
       startDate: this.loanProductsTemplate.startDate && new Date(this.loanProductsTemplate.startDate),
       closeDate: this.loanProductsTemplate.closeDate && new Date(this.loanProductsTemplate.closeDate)
     });
-
-    const mappingOptions = this.loanProductsTemplate?.accountingMappingOptions ?? {};
-    this.assetAccountOptions = mappingOptions.assetAccountOptions ?? [];
-    this.liabilityAccountOptions = mappingOptions.liabilityAccountOptions ?? [];
-
-    this.loanProductDetailsForm.patchValue({
-      debitIntCalculation: this.loanProductsTemplate.debitIntCalculation ?? false,
-      separatePenalInterest: this.loanProductsTemplate.separatePenalInterest ?? false,
-      creditIntCalculation: this.loanProductsTemplate.creditIntCalculation ?? false,
-      subAccountTypeBalance: this.loanProductsTemplate.subAccountTypeBalance ?? false,
-      finalIntRounding: this.loanProductsTemplate.finalIntRounding ?? false,
-      roundingUpTo: this.loanProductsTemplate.roundingUpTo ?? null
-    });
   }
 
-  /** Product Classification data */
+  /** True when editing a saved product; see ngOnInit. */
+  isExistingProduct = false;
+
+  /** Product Type -- picked first, since it decides which sections the rest of the wizard shows. */
   readonly productTypeGroups = [
-    { id: 'loans', label: 'Loan' },
-    { id: 'advanced', label: 'Advanced' }
+    { id: 'advances', label: 'Advances A/C', hint: 'No EMI. Limit / drawing power against security.' },
+    { id: 'loans', label: 'Loans A/C', hint: 'Fixed disbursement, fixed tenure, EMI repayment.' }
   ];
 
-  readonly productTypeSubGroups: Record<string, { id: string; label: string }[]> = {
-    loans: [
-      { id: 'emi', label: 'EMI' },
-      { id: 'cc', label: 'CC (Cash Credit)' },
-      { id: 'overdraft', label: 'Overdraft' },
-      { id: 'warehouse', label: 'Warehouse' },
-      { id: 'gold', label: 'Gold' }
+  /** `shortName` is the two-letter code the product's Short Name is pre-filled with when the sub type is picked. */
+  readonly productTypeSubGroups: Record<string, { id: string; label: string; shortName: string }[]> = {
+    advances: [
+      { id: 'fd', label: 'Loan against FD', shortName: 'FD' },
+      { id: 'rd', label: 'Loan against RD', shortName: 'RD' },
+      { id: 'dds', label: 'Loan against DDS', shortName: 'DS' },
+      { id: 'lic', label: 'Loan against LIC Policy', shortName: 'LI' },
+      { id: 'gold', label: 'Loan against Gold', shortName: 'GD' },
+      { id: 'warehouse', label: 'Warehouse Receipt', shortName: 'WR' },
+      { id: 'cc', label: 'Cash Credit (CC)', shortName: 'CC' },
+      { id: 'overdraft', label: 'Overdraft (OD)', shortName: 'OD' },
+      { id: 'kcc', label: 'Kisan Credit Card (KCC)', shortName: 'KC' },
+      { id: 'bills', label: 'Bills Purchased / Discounted', shortName: 'BP' }
     ],
-    advanced: [
-      { id: 'fd', label: 'FD (Fixed Deposit)' },
-      { id: 'rd', label: 'RD (Recurring Deposit)' }
+    loans: [
+      { id: 'term', label: 'Term Loan', shortName: 'TL' },
+      { id: 'personal', label: 'Personal Loan', shortName: 'PL' },
+      { id: 'housing', label: 'Housing Loan', shortName: 'HL' },
+      { id: 'vehicle', label: 'Vehicle Loan', shortName: 'VL' },
+      { id: 'education', label: 'Education Loan', shortName: 'EL' },
+      { id: 'business', label: 'Business / MSME Loan', shortName: 'BL' },
+      { id: 'gold_emi', label: 'Gold EMI Loan', shortName: 'GE' }
     ]
   };
 
-  /** Default GL per product type group */
-  private readonly glDefaultMap: Record<string, string> = {
-    loans: 'asset',
-    advanced: 'asset'
-  };
+  /** Regulatory Classification options (UI-only; RBI / bureau reporting). */
+  readonly loanProductCategoryOptions = [
+    { id: 'advances_deposits', label: 'Advances against deposits' },
+    { id: 'gold_loan', label: 'Gold loan' },
+    { id: 'agriculture', label: 'Agriculture' },
+    { id: 'msme', label: 'MSME' },
+    { id: 'personal', label: 'Personal / retail' },
+    { id: 'housing', label: 'Housing' },
+    { id: 'other', label: 'Other' }
+  ];
+
+  readonly prioritySectorOptions = [
+    { id: 'no', label: 'No' },
+    { id: 'agriculture', label: 'Agriculture' },
+    { id: 'msme', label: 'MSME' },
+    { id: 'weaker_sections', label: 'Weaker Sections' },
+    { id: 'education', label: 'Education' },
+    { id: 'housing', label: 'Housing' }
+  ];
+
+  readonly cibilAccountTypeOptions = [
+    { id: 'loan_bank_deposits', label: 'Loan against Bank Deposits' },
+    { id: 'gold_loan', label: 'Gold Loan' },
+    { id: 'overdraft', label: 'Overdraft' },
+    { id: 'business_loan', label: 'Business Loan' },
+    { id: 'other', label: 'Other' }
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  /** The rest of the Details form stays hidden on a new product until its type and sub type are picked. */
+  get isProductTypeChosen(): boolean {
+    if (this.isExistingProduct) {
+      return true;
+    }
+    const value = this.loanProductDetailsForm.value;
+    return !!value.productTypeGroup && !!value.productTypeSubGroup;
+  }
 
   get availableSubGroups() {
     const group = this.loanProductDetailsForm.get('productTypeGroup')?.value;
     return group ? (this.productTypeSubGroups[group] ?? []) : [];
   }
 
-  get glOptions(): string[] {
-    return [
-      'asset',
-      'liability'
-    ];
-  }
-
+  /**
+   * Asset GLs offered for the product's ledger GL -- the GL the product's loan account numbers are
+   * generated from. Separate from the Accounting tab mappings, which drive the journal entries.
+   */
   assetAccountOptions: any[] = [];
-  liabilityAccountOptions: any[] = [];
-
-  get availableGlAccounts(): any[] {
-    const type = this.loanProductDetailsForm.get('glClassification')?.value;
-    if (type === 'asset') return this.assetAccountOptions;
-    if (type === 'liability') return this.liabilityAccountOptions;
-    return [];
-  }
-
-  get glClassificationLabel(): string {
-    const type = this.loanProductDetailsForm.get('glClassification')?.value;
-    return type === 'liability' ? 'Liability' : 'Asset';
-  }
 
   get selectedGroupLabel(): string {
     const group = this.loanProductDetailsForm.get('productTypeGroup')?.value;
     return this.productTypeGroups.find((g) => g.id === group)?.label ?? '';
   }
 
-  readonly yesNoOptions = [
-    { value: true, label: 'YES' },
-    { value: false, label: 'NO' }
-  ];
+  /**
+   * A new product's short name is two capital letters, so what is typed or pasted is upper-cased, anything
+   * that is not a letter is dropped, and only the first two letters are kept. Trimming here rather than with
+   * maxlength means a paste like 'g1old' still yields 'GO' instead of being cut to 'g1' first.
+   */
+  normalizeShortName(event: Event) {
+    if (this.isExistingProduct) {
+      return;
+    }
+    // Read from the input itself: this handler can run before the form control has taken the new value.
+    const typed = (event.target as HTMLInputElement).value ?? '';
+    const cleaned = typed
+      .toUpperCase()
+      .replace(/[^A-Z]/g, '')
+      .slice(0, 2);
+    if (cleaned !== typed) {
+      this.loanProductDetailsForm.get('shortName').setValue(cleaned);
+    }
+  }
 
   createLoanProductDetailsForm() {
     this.loanProductDetailsForm = this.formBuilder.group({
@@ -150,21 +211,26 @@ export class LoanProductDetailsStepComponent implements OnInit {
       closeDate: [''],
       productTypeGroup: [''],
       productTypeSubGroup: [''],
-      glClassification: ['asset'],
       glAccount: [''],
-      debitIntCalculation: [false],
-      separatePenalInterest: [false],
-      creditIntCalculation: [false],
-      subAccountTypeBalance: [false],
-      finalIntRounding: [false],
-      roundingUpTo: [null]
+      // Regulatory Classification (UI-only; stripped in buildPayload)
+      loanProductCategory: ['advances_deposits'],
+      prioritySector: ['no'],
+      cibilAccountType: ['loan_bank_deposits'],
+      kfsEnabled: ['YES'],
+      aprEnabled: ['YES']
     });
 
-    // Auto-set GL based on product type group
-    this.loanProductDetailsForm.get('productTypeGroup')?.valueChanges.subscribe((group: string) => {
-      const defaultVal = this.glDefaultMap[group] ?? 'asset';
-      this.loanProductDetailsForm.get('glClassification')?.setValue(defaultVal);
-      this.loanProductDetailsForm.get('glAccount')?.setValue('');
+    // A sub type belongs to one group, so changing the group clears it.
+    this.loanProductDetailsForm.get('productTypeGroup')?.valueChanges.subscribe(() => {
+      this.loanProductDetailsForm.get('productTypeSubGroup')?.setValue('');
+    });
+
+    // Picking a sub type pre-fills the Short Name with its code; the user can still change it.
+    this.loanProductDetailsForm.get('productTypeSubGroup')?.valueChanges.subscribe((subGroupId: string) => {
+      const subGroup = this.availableSubGroups.find((s) => s.id === subGroupId);
+      if (subGroup) {
+        this.loanProductDetailsForm.get('shortName').setValue(subGroup.shortName);
+      }
     });
   }
 

src/app/products/loan-products/loan-product-stepper/loan-product-penal-npa-step/loan-product-penal-npa-step.component.html

@@ -0,0 +1,106 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductPenalNpaForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-percent"></i>
+      <h3>Penal Charges</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Penal Charges Applicable</mat-label>
+        <mat-select formControlName="penalApplicable">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Penal Rate (% p.a.)</mat-label>
+        <input matInput type="number" formControlName="penalRate" min="0" max="100" step="0.01" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Applied On</mat-label>
+        <mat-select formControlName="penalAppliedOn">
+          @for (opt of appliedOnOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Penal Grace Days</mat-label>
+        <input matInput type="number" formControlName="penalGraceDays" min="0" />
+      </mat-form-field>
+      <div class="adv-field adv-field--full" style="grid-column: span 2">
+        <div class="adv-info">
+          RBI: penal charges are kept separate from interest, never capitalised, and shown in the Key Fact Statement.
+        </div>
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-triangle-exclamation"></i>
+      <h3>Asset Classification (SMA / NPA)</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Delinquency Bucket (SMA)</mat-label>
+        <mat-select formControlName="delinquencyBucketId">
+          <mat-option [value]="''">— None —</mat-option>
+          @for (bucket of delinquencyBucketOptions; track bucket.id) {
+            <mat-option [value]="bucket.id">{{ bucket.name }}</mat-option>
+          }
+        </mat-select>
+        <mat-hint>SMA 0–30 / 31–60 / 61–90</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>NPA After (days overdue)</mat-label>
+        <input matInput type="number" formControlName="npaDays" min="0" required />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>NPA Trigger</mat-label>
+        <mat-select formControlName="npaTrigger">
+          @for (opt of npaTriggerOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest after NPA</mat-label>
+        <mat-select formControlName="interestAfterNpa">
+          @for (opt of interestAfterNpaOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Grace on Arrears Ageing (days)</mat-label>
+        <input matInput type="number" formControlName="graceOnArrearsAgeing" min="0" />
+        <mat-hint>Days before an amount counts as overdue</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>In-Arrears Tolerance (₹)</mat-label>
+        <input matInput type="number" formControlName="inArrearsTolerance" min="0" />
+        <mat-hint>Small balance ignored for arrears</mat-hint>
+      </mat-form-field>
+    </div>
+    <div class="adv-subsection">
+      <div class="adv-checks">
+        <mat-checkbox formControlName="upgradeOnlyAllArrears">
+          Upgrade from NPA only when all arrears are cleared
+        </mat-checkbox>
+        <mat-checkbox formControlName="keepStandardIfDepositCovers">
+          Keep standard while the pledged deposit fully covers the dues
+        </mat-checkbox>
+      </div>
+    </div>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-penal-npa-step/loan-product-penal-npa-step.component.ts

@@ -0,0 +1,90 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, Input, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Penal charges & asset-classification (SMA / NPA) step for an Advances A/C product (Figma step 6).
+ * UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-penal-npa-step',
+  templateUrl: './loan-product-penal-npa-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox
+  ]
+})
+export class LoanProductPenalNpaStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  @Input() loanProductsTemplate: any;
+
+  loanProductPenalNpaForm: UntypedFormGroup;
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  readonly appliedOnOptions = [
+    { id: 'overdue', label: 'Overdue amount' },
+    { id: 'outstanding', label: 'Full outstanding' }
+  ];
+
+  readonly npaTriggerOptions = [
+    { id: 'maturity', label: 'Dues overdue after maturity' },
+    { id: 'out_of_order', label: 'Out of order 90 days (CC/OD)' }
+  ];
+
+  readonly interestAfterNpaOptions = [
+    { id: 'undebited', label: 'Move to Undebited Interest GL' },
+    { id: 'suspense', label: 'Move to Interest Suspense GL' }
+  ];
+
+  get delinquencyBucketOptions(): any[] {
+    return this.loanProductsTemplate?.delinquencyBucketOptions ?? [];
+  }
+
+  constructor() {
+    this.loanProductPenalNpaForm = this.formBuilder.group({
+      penalApplicable: ['YES'],
+      penalRate: [
+        2.0,
+        [
+          Validators.min(0),
+          Validators.max(100)
+        ]
+      ],
+      penalAppliedOn: ['overdue'],
+      penalGraceDays: [0],
+      delinquencyBucketId: [''],
+      npaDays: [
+        90,
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      npaTrigger: ['maturity'],
+      interestAfterNpa: ['undebited'],
+      graceOnArrearsAgeing: [0],
+      inArrearsTolerance: [0],
+      upgradeOnlyAllArrears: [true],
+      keepStandardIfDepositCovers: [true]
+    });
+  }
+
+  get loanProductPenalNpa() {
+    return this.loanProductPenalNpaForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-renewal-closure-step/loan-product-renewal-closure-step.component.html

@@ -0,0 +1,69 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductRenewalClosureForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-arrows-rotate"></i>
+      <h3>Limit Renewal</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Renewal Allowed</mat-label>
+        <mat-select formControlName="renewalAllowed">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Renewal Period (months)</mat-label>
+        <input matInput type="number" formControlName="renewalPeriodMonths" min="1" required />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Renewal Grace Days</mat-label>
+        <input matInput type="number" formControlName="renewalGraceDays" min="0" />
+        <mat-hint>Days allowed after the renewal date</mat-hint>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-door-open"></i>
+      <h3>Pre-closure</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Pre-closure Allowed</mat-label>
+        <mat-select formControlName="preclosureAllowed">
+          @for (opt of preclosureOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Lock-in Period (months)</mat-label>
+        <input matInput type="number" formControlName="lockInMonths" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest on Pre-closure</mat-label>
+        <mat-select formControlName="interestOnPreclosure">
+          @for (opt of preclosureInterestOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-circle-info"></i>
+    <span>Renewal and pre-closure <strong>fees</strong> are set once, on the Charges step.</span>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-renewal-closure-step/loan-product-renewal-closure-step.component.ts

@@ -0,0 +1,64 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Limit renewal & pre-closure rules for an Advances A/C product (Figma step 7). Fees live on the
+ * Charges step. UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-renewal-closure-step',
+  templateUrl: './loan-product-renewal-closure-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [...STANDALONE_SHARED_IMPORTS]
+})
+export class LoanProductRenewalClosureStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductRenewalClosureForm: UntypedFormGroup;
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  readonly preclosureOptions = [
+    { id: 'anytime', label: 'Anytime' },
+    { id: 'after_lockin', label: 'After lock-in period' },
+    { id: 'not_allowed', label: 'Not allowed' }
+  ];
+
+  readonly preclosureInterestOptions = [
+    { id: 'till_closing', label: 'Till closing date (broken period)' },
+    { id: 'full_period', label: 'Full current period' }
+  ];
+
+  constructor() {
+    this.loanProductRenewalClosureForm = this.formBuilder.group({
+      renewalAllowed: ['YES'],
+      renewalPeriodMonths: [
+        12,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      renewalGraceDays: [30],
+      preclosureAllowed: ['anytime'],
+      lockInMonths: [0],
+      interestOnPreclosure: ['till_closing']
+    });
+  }
+
+  get loanProductRenewalClosure() {
+    return this.loanProductRenewalClosureForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.html

@@ -0,0 +1,160 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductSecurityLienForm">
+  @if (!isAdvance) {
+    <div class="lsl-note">
+      <i class="fas fa-circle-info"></i>
+      Security &amp; Lien applies to an <strong>Advances A/C</strong> product. Choose it on the Details step.
+    </div>
+  }
+
+  @if (isAdvance) {
+    <div class="lsl-section">
+      <div class="lsl-section__header">
+        <i class="fas fa-shield-alt"></i>
+        <h3>Security &amp; Margin</h3>
+      </div>
+      <div class="lsl-grid">
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Security Type</mat-label>
+          <input matInput formControlName="securityType" matTooltip="Set from the Product Sub Type" />
+          <mat-hint>From Sub Type — not chosen again</mat-hint>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Eligible Amount Basis</mat-label>
+          <mat-select formControlName="eligibleAmountBasis" required>
+            @for (opt of eligibleAmountBasisOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+          <mat-error>Eligible Amount Basis is <strong>required</strong></mat-error>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Margin (%)</mat-label>
+          <input matInput type="number" formControlName="margin" min="0" max="100" step="0.01" required />
+          <mat-hint>0 – 100. Drawing Power = security value × LTV</mat-hint>
+          @if (loanProductSecurityLienForm.get('margin').hasError('required')) {
+            <mat-error>Margin is <strong>required</strong></mat-error>
+          } @else {
+            <mat-error>Margin must be between 0 and 100</mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>LTV (%)</mat-label>
+          <input matInput [value]="ltv" disabled />
+          <mat-hint>= 100 − Margin</mat-hint>
+        </mat-form-field>
+      </div>
+    </div>
+
+    @if (isLienSubType) {
+      <div class="lsl-section">
+        <div class="lsl-section__header">
+          <i class="fas fa-lock"></i>
+          <h3>Lien Settings</h3>
+          <span class="lsl-section__hint">FD · RD · DDS · LIC</span>
+        </div>
+
+        <div class="lsl-subsection">
+          <p class="lsl-group">Lien marking</p>
+          <div class="lsl-grid">
+            <mat-form-field appearance="outline" class="lsl-field">
+              <mat-label>Lien Required</mat-label>
+              <input matInput value="YES (mandatory)" disabled />
+            </mat-form-field>
+
+            <mat-form-field appearance="outline" class="lsl-field">
+              <mat-label>Lien Marking Stage</mat-label>
+              <mat-select formControlName="lienMarkingStage" required>
+                @for (opt of lienMarkingStageOptions; track opt.id) {
+                  <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+
+            <mat-form-field appearance="outline" class="lsl-field lsl-field--full">
+              <mat-label>Eligible Deposit Products</mat-label>
+              <mat-select formControlName="eligibleDepositProducts" multiple required>
+                @for (product of depositProductOptions; track product) {
+                  <mat-option [value]="product">{{ product }}</mat-option>
+                }
+              </mat-select>
+              <mat-hint>Only accounts of these deposit products can be pledged for this advance</mat-hint>
+              <mat-error>Pick at least one deposit product</mat-error>
+            </mat-form-field>
+          </div>
+        </div>
+
+        <div class="lsl-subsection">
+          <p class="lsl-group">Rules</p>
+          <div class="lsl-checks">
+            <mat-checkbox formControlName="tenureNotExceedMaturity">
+              Tenure cannot exceed deposit maturity date
+            </mat-checkbox>
+            <mat-checkbox formControlName="autoReleaseOnClosure">
+              Auto-release lien when the advance is closed
+            </mat-checkbox>
+            <mat-checkbox formControlName="allowMultipleDeposits">
+              Allow multiple deposits for one advance
+            </mat-checkbox>
+            <mat-checkbox formControlName="adjustFromMaturity">
+              Adjust advance from deposit proceeds at maturity
+            </mat-checkbox>
+            <mat-checkbox formControlName="allowThirdPartyDeposit">
+              Allow third-party deposit (consent letter required)
+            </mat-checkbox>
+            <mat-checkbox formControlName="allowRenewalUnderLien">
+              Allow deposit renewal under lien (lien carries forward)
+            </mat-checkbox>
+          </div>
+        </div>
+
+        <div class="lsl-subsection">
+          <p class="lsl-group">Lien certificate</p>
+          <div class="lsl-grid">
+            <mat-form-field appearance="outline" class="lsl-field">
+              <mat-label>Lien Certificate Required</mat-label>
+              <mat-select formControlName="lienCertificateRequired">
+                @for (opt of yesNoOptions; track opt) {
+                  <mat-option [value]="opt">{{ opt }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+
+            @if (loanProductSecurityLienForm.get('lienCertificateRequired').value === 'YES') {
+              <mat-form-field appearance="outline" class="lsl-field">
+                <mat-label>Certificate No. Prefix</mat-label>
+                <input matInput formControlName="lienCertificatePrefix" required />
+                <mat-error>Prefix is <strong>required</strong></mat-error>
+              </mat-form-field>
+
+              <mat-form-field appearance="outline" class="lsl-field">
+                <mat-label>Print on Disbursement</mat-label>
+                <mat-select formControlName="printOnDisbursement">
+                  @for (opt of yesNoOptions; track opt) {
+                    <mat-option [value]="opt">{{ opt }}</mat-option>
+                  }
+                </mat-select>
+              </mat-form-field>
+            }
+          </div>
+        </div>
+      </div>
+
+      <div class="lsl-note">
+        <i class="fas fa-circle-info"></i>
+        Interest basis and spread are set on the <strong>Interest</strong> step; the lien-certificate fee on the
+        <strong>Charges</strong> step.
+      </div>
+    }
+  }
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.scss

@@ -0,0 +1,117 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.lsl-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    h3 {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+
+  &__hint {
+    margin-left: auto;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.lsl-subsection {
+  padding: 16px 24px;
+
+  & + & {
+    border-top: 1px solid $border;
+  }
+}
+
+.lsl-group {
+  margin: 0 0 12px;
+  font-size: 12px;
+  font-weight: 600;
+  letter-spacing: 0.06em;
+  text-transform: uppercase;
+  color: #5f6368;
+}
+
+.lsl-grid {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 4px 16px;
+  padding: 16px 24px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lsl-subsection .lsl-grid {
+  padding: 0;
+}
+
+.lsl-field {
+  width: 100%;
+
+  &--full {
+    grid-column: 1 / -1;
+  }
+}
+
+.lsl-checks {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px 32px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lsl-note {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-top: 16px;
+  padding: 12px 24px;
+  border: 1px dashed $border;
+  border-radius: 10px;
+  font-size: 13px;
+  color: #5f6368;
+
+  i {
+    color: $accent;
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.ts

@@ -0,0 +1,196 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, Input, inject } from '@angular/core';
+import { AbstractControl, UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatTooltip } from '@angular/material/tooltip';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Security & Lien step, shown only for an "Advances A/C" product.
+ *
+ * For a deposit-backed advance (Loan against FD / RD / DDS / LIC) the bank marks a lien on the
+ * customer's own deposit. This step captures the product-level rules for that: the margin (from which
+ * the LTV and drawing power follow), which deposit products may be pledged, and the lien certificate.
+ *
+ * UI-only for now: its values are NOT sent in the create payload, because the backend has no column to
+ * store them yet. Once the satellite table lands, wire `loanProductSecurityLien` into the payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-security-lien-step',
+  templateUrl: './loan-product-security-lien-step.component.html',
+  styleUrls: ['./loan-product-security-lien-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatTooltip,
+    MatCheckbox
+  ]
+})
+export class LoanProductSecurityLienStepComponent implements OnInit {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  @Input() loanProductsTemplate: any;
+  /** The Details step's Product Type controls, so this step reacts to the chosen group / sub type. */
+  @Input() productTypeGroup: AbstractControl;
+  @Input() productTypeSubGroup: AbstractControl;
+
+  loanProductSecurityLienForm: UntypedFormGroup;
+
+  /** Sub type -> the security it is backed by. Only deposit / policy sub types get a lien section. */
+  private readonly securityTypeBySubGroup: Record<string, string> = {
+    fd: 'Fixed Deposit',
+    rd: 'Recurring Deposit',
+    dds: 'Daily Deposit Scheme',
+    lic: 'LIC Policy',
+    gold: 'Gold Ornaments',
+    warehouse: 'Warehouse Receipt',
+    cc: 'Stock / Book Debts',
+    overdraft: 'Deposit / Property'
+  };
+
+  /** Sub types whose security is lien-marked on a deposit (rather than pledged / hypothecated). */
+  private readonly lienSubGroups = [
+    'fd',
+    'rd',
+    'dds',
+    'lic'
+  ];
+
+  /** Default margin % per sub type (bank policy in real use); LTV is derived from it. */
+  private readonly defaultMarginBySubGroup: Record<string, number> = {
+    fd: 10,
+    rd: 10,
+    dds: 10,
+    lic: 40
+  };
+
+  readonly eligibleAmountBasisOptions = [
+    { id: 'balance_accrued', label: 'Deposit balance + accrued interest' },
+    { id: 'balance', label: 'Deposit balance only' },
+    { id: 'surrender', label: 'Surrender value (LIC)' }
+  ];
+
+  readonly lienMarkingStageOptions = [
+    { id: 'disbursement', label: 'At Disbursement' },
+    { id: 'sanction', label: 'At Sanction' }
+  ];
+
+  readonly depositProductOptions = [
+    'Fixed Deposit – Regular',
+    'Fixed Deposit – Senior Citizen',
+    'Recurring Deposit – Regular',
+    'Daily Deposit Scheme'
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.createForm();
+  }
+
+  ngOnInit() {
+    this.applySubGroup(this.productTypeSubGroup?.value);
+    // Keep Security Type and the default margin in step with the sub type chosen on the Details step.
+    this.productTypeSubGroup?.valueChanges.subscribe((subGroup: string) => this.applySubGroup(subGroup));
+  }
+
+  private applySubGroup(subGroup: string): void {
+    this.loanProductSecurityLienForm
+      .get('securityType')
+      .setValue(this.securityTypeBySubGroup[subGroup] ?? '', { emitEvent: false });
+    const margin = this.defaultMarginBySubGroup[subGroup];
+    if (margin != null && !this.loanProductSecurityLienForm.get('margin').dirty) {
+      this.loanProductSecurityLienForm.get('margin').setValue(margin, { emitEvent: false });
+    }
+  }
+
+  /** This whole step is only relevant to an Advances A/C product. */
+  get isAdvance(): boolean {
+    return this.productTypeGroup?.value === 'advances';
+  }
+
+  /** The lien block shows only for deposit / policy sub types; gold, warehouse, CC etc. are pledged. */
+  get isLienSubType(): boolean {
+    return this.lienSubGroups.includes(this.productTypeSubGroup?.value);
+  }
+
+  /** LTV = 100 − margin, shown read-only next to the margin. */
+  get ltv(): number | null {
+    const margin = this.loanProductSecurityLienForm.get('margin').value;
+    if (margin === null || margin === '' || isNaN(margin)) {
+      return null;
+    }
+    return 100 - Number(margin);
+  }
+
+  createForm() {
+    this.loanProductSecurityLienForm = this.formBuilder.group({
+      securityType: [{ value: '', disabled: true }],
+      eligibleAmountBasis: [
+        'balance_accrued',
+        Validators.required
+      ],
+      margin: [
+        10,
+        [
+          Validators.required,
+          Validators.min(0),
+          Validators.max(100)
+        ]
+      ],
+      lienMarkingStage: [
+        'disbursement',
+        Validators.required
+      ],
+      eligibleDepositProducts: [
+        ['Fixed Deposit – Regular'],
+        Validators.required
+      ],
+      tenureNotExceedMaturity: [true],
+      autoReleaseOnClosure: [true],
+      allowMultipleDeposits: [false],
+      adjustFromMaturity: [true],
+      allowThirdPartyDeposit: [false],
+      allowRenewalUnderLien: [true],
+      lienCertificateRequired: ['YES'],
+      lienCertificatePrefix: [
+        'LC/FD/',
+        Validators.required
+      ],
+      printOnDisbursement: ['YES']
+    });
+  }
+
+  /** Flat values for the payload. Not wired into submit yet — see the class comment. */
+  get loanProductSecurityLien() {
+    const value = this.loanProductSecurityLienForm.getRawValue();
+    return {
+      securityType: value.securityType,
+      eligibleAmountBasis: value.eligibleAmountBasis,
+      margin: value.margin,
+      ltv: this.ltv,
+      lienMarkingStage: value.lienMarkingStage,
+      eligibleDepositProducts: value.eligibleDepositProducts,
+      lienRules: {
+        tenureNotExceedMaturity: value.tenureNotExceedMaturity,
+        autoReleaseOnClosure: value.autoReleaseOnClosure,
+        allowMultipleDeposits: value.allowMultipleDeposits,
+        adjustFromMaturity: value.adjustFromMaturity,
+        allowThirdPartyDeposit: value.allowThirdPartyDeposit,
+        allowRenewalUnderLien: value.allowRenewalUnderLien
+      },
+      lienCertificateRequired: value.lienCertificateRequired,
+      lienCertificatePrefix: value.lienCertificatePrefix,
+      printOnDisbursement: value.printOnDisbursement
+    };
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-settings-step/loan-product-settings-step.component.scss

@@ -71,6 +71,16 @@
   }
 }
 
+.lps-panel {
+  & + & {
+    margin-top: 12px;
+  }
+
+  .lps-section__body {
+    padding-top: 8px;
+  }
+}
+
 .lps-full-width {
   grid-column: 1 / -1;
 }

src/app/products/loan-products/loan-product-stepper/loan-product-settings-step/loan-product-settings-step.component.ts

@@ -22,6 +22,12 @@ import { MatTooltip } from '@angular/material/tooltip';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { MatIconButton } from '@angular/material/button';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import {
+  MatAccordion,
+  MatExpansionPanel,
+  MatExpansionPanelHeader,
+  MatExpansionPanelTitle
+} from '@angular/material/expansion';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 @Component({
@@ -35,7 +41,11 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatCheckbox,
     MatIconButton,
     FaIconComponent,
-    ReactiveFormsModule
+    ReactiveFormsModule,
+    MatAccordion,
+    MatExpansionPanel,
+    MatExpansionPanelHeader,
+    MatExpansionPanelTitle
   ]
 })
 export class LoanProductSettingsStepComponent implements OnInit {
@@ -44,9 +54,35 @@ export class LoanProductSettingsStepComponent implements OnInit {
 
   @Input() toEdit: boolean;
   @Input() loanProductsTemplate: any;
-  @Input() isLinkedToFloatingInterestRates: UntypedFormControl;
+  @Input() productTypeGroup: UntypedFormControl;
   @Output() advancePaymentStrategy = new EventEmitter<string>();
 
+  /**
+   * Provided from the Terms step's control. It can arrive after this component's ngOnInit (the Terms tab
+   * resolves later now that the tabs are conditional), so subscribe from the setter when it is present
+   * rather than assuming it in ngOnInit — otherwise a null control blanks the whole wizard.
+   */
+  private _isLinkedToFloatingInterestRates: UntypedFormControl;
+  private isLinkedSubscribed = false;
+
+  @Input()
+  set isLinkedToFloatingInterestRates(control: UntypedFormControl) {
+    this._isLinkedToFloatingInterestRates = control;
+    if (control && !this.isLinkedSubscribed) {
+      this.isLinkedSubscribed = true;
+      control.valueChanges.subscribe((isLinked: any) => {
+        if (isLinked) {
+          this.loanProductSettingsForm.get('isInterestRecalculationEnabled').setValue(true);
+          this.loanProductSettingsForm.get('allowPartialPeriodInterestCalculation').setValue(true);
+        }
+      });
+    }
+  }
+
+  get isLinkedToFloatingInterestRates(): UntypedFormControl {
+    return this._isLinkedToFloatingInterestRates;
+  }
+
   loanProductSettingsForm: UntypedFormGroup;
 
   amortizationTypeData: any;
@@ -74,6 +110,15 @@ export class LoanProductSettingsStepComponent implements OnInit {
   daysInYearCustomStrategyOptions: OptionData[] = [];
   useDaysInYearCustomStrategy = false;
 
+  /** True when the product being created is an "Advances A/C" (no-EMI, limit-based) product. */
+  isAdvanceAccount = false;
+
+  /** UI-only for now; not yet wired into the submitted payload (see loan-products.ts buildPayload). */
+  readonly loanPeriodOptions = [
+    { value: 12, label: '12 Months' },
+    { value: 15, label: '15 Months' }
+  ];
+
   /** Values to Days for Repayments */
   defaultConfigValues: GlobalConfiguration[] = [];
 
@@ -84,12 +129,13 @@ export class LoanProductSettingsStepComponent implements OnInit {
 
   ngOnInit() {
     this.defaultConfigValues = this.loanProductsTemplate['itemsByDefault'];
-    this.isLinkedToFloatingInterestRates.valueChanges.subscribe((isLinkedToFloatingInterestRates: any) => {
-      if (isLinkedToFloatingInterestRates) {
-        this.loanProductSettingsForm.get('isInterestRecalculationEnabled').setValue(true);
-        this.loanProductSettingsForm.get('allowPartialPeriodInterestCalculation').setValue(true);
-      }
-    });
+
+    if (this.productTypeGroup) {
+      this.applyAdvanceAccountRules(this.productTypeGroup.value === 'advances');
+      this.productTypeGroup.valueChanges.subscribe((productTypeGroup: string) => {
+        this.applyAdvanceAccountRules(productTypeGroup === 'advances');
+      });
+    }
 
     this.amortizationTypeData = this.loanProductsTemplate.amortizationTypeOptions;
     this.interestTypeData = this.loanProductsTemplate.interestTypeOptions;
@@ -334,6 +380,8 @@ export class LoanProductSettingsStepComponent implements OnInit {
         Validators.required
       ],
       allowAccrualPostingInArrears: [false],
+      // Advances A/C only; UI-only for now, stripped from the payload in loan-products.ts buildPayload().
+      loanPeriod: [''],
 
       // Cheque Book Settings
       chequeBookIssueEnabled: ['NO'],
@@ -453,6 +501,28 @@ export class LoanProductSettingsStepComponent implements OnInit {
     }
   }
 
+  /**
+   * Advances A/C has no EMI, so the Loan Schedule section is simplified: schedule type is locked to
+   * Cumulative (Progressive only makes sense with Advanced Payment Allocation, which is an EMI concept),
+   * installment-amount fixing doesn't apply, and Days in year/month are replaced by a placeholder
+   * Loan Period pick. loanScheduleType/canDefineInstallmentAmount stay enabled (not `.disable()`d) so they
+   * remain in `loanProductSettingsForm.value` and the submitted payload is unaffected by this UI change.
+   */
+  private applyAdvanceAccountRules(isAdvance: boolean): void {
+    this.isAdvanceAccount = isAdvance;
+    const loanPeriodControl = this.loanProductSettingsForm.get('loanPeriod');
+    if (isAdvance) {
+      this.loanProductSettingsForm.patchValue({
+        loanScheduleType: LoanProducts.LOAN_SCHEDULE_TYPE_CUMULATIVE,
+        canDefineInstallmentAmount: false
+      });
+      loanPeriodControl.setValidators(Validators.required);
+    } else {
+      loanPeriodControl.clearValidators();
+    }
+    loanPeriodControl.updateValueAndValidity();
+  }
+
   setConditionalControls() {
     const allowAttributeOverrides = this.loanProductSettingsForm.get('allowAttributeOverrides');
 

src/app/products/loan-products/loan-product-stepper/loan-product-terms-step/loan-product-terms-step.component.html

@@ -264,6 +264,62 @@
     }
   </div>
 
+  <!-- Interest Information (moved here from the Details tab, next to the interest rates it qualifies) -->
+  <div class="lpt-section">
+    <div class="lpt-section-header">
+      <i class="fas fa-percentage lpt-section-icon"></i>
+      <h3>Interest Information</h3>
+    </div>
+    <div class="lpt-grid">
+      <mat-form-field appearance="outline">
+        <mat-label>Debit Int. Calculation</mat-label>
+        <mat-select formControlName="debitIntCalculation">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Separate Penal Int.</mat-label>
+        <mat-select formControlName="separatePenalInterest">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Credit Int. Calculation</mat-label>
+        <mat-select formControlName="creditIntCalculation">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Sub A/c Type Balance</mat-label>
+        <mat-select formControlName="subAccountTypeBalance">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Final Int. Rounding</mat-label>
+        <mat-select formControlName="finalIntRounding">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      @if (loanProductTermsForm.value.finalIntRounding) {
+        <mat-form-field appearance="outline">
+          <mat-label>Rounding UpTo</mat-label>
+          <input matInput type="number" formControlName="roundingUpTo" min="0" />
+        </mat-form-field>
+      }
+    </div>
+  </div>
+
   <!-- Interest Rate Slabs Section -->
   <div class="lpt-section">
     <div class="lpt-section-header">

src/app/products/loan-products/loan-product-stepper/loan-product-terms-step/loan-product-terms-step.component.ts

@@ -111,7 +111,13 @@ export class LoanProductTermsStepComponent implements OnInit, OnChanges {
       repaymentStartDateType: this.loanProductsTemplate.repaymentStartDateType.id || 1,
       debitBalanceAllow: this.loanProductsTemplate.debitBalanceAllow ?? false,
       allowDebitTransAfterDueDate: this.loanProductsTemplate.allowDebitTransAfterDueDate ?? false,
-      branchLevelAccountType: this.loanProductsTemplate.branchLevelAccountType ?? false
+      branchLevelAccountType: this.loanProductsTemplate.branchLevelAccountType ?? false,
+      debitIntCalculation: this.loanProductsTemplate.debitIntCalculation ?? false,
+      separatePenalInterest: this.loanProductsTemplate.separatePenalInterest ?? false,
+      creditIntCalculation: this.loanProductsTemplate.creditIntCalculation ?? false,
+      subAccountTypeBalance: this.loanProductsTemplate.subAccountTypeBalance ?? false,
+      finalIntRounding: this.loanProductsTemplate.finalIntRounding ?? false,
+      roundingUpTo: this.loanProductsTemplate.roundingUpTo ?? null
     });
 
     if (this.loanProductsTemplate.allowApprovedDisbursedAmountsOverApplied) {
@@ -213,7 +219,14 @@ export class LoanProductTermsStepComponent implements OnInit, OnChanges {
       fixedLength: [null],
       debitBalanceAllow: [false],
       allowDebitTransAfterDueDate: [false],
-      branchLevelAccountType: [false]
+      branchLevelAccountType: [false],
+      // Interest Information (moved here from the Details tab)
+      debitIntCalculation: [false],
+      separatePenalInterest: [false],
+      creditIntCalculation: [false],
+      subAccountTypeBalance: [false],
+      finalIntRounding: [false],
+      roundingUpTo: [null]
     });
   }
 

src/app/products/loan-products/loan-products.ts

@@ -45,9 +45,29 @@ export class LoanProducts {
       dateFormat,
       locale
     };
-    // Remove unnecessary properties
+    // Remove UI-only flags that are never valid loan-product parameters (both paths).
     delete loanProduct.allowAttributeConfiguration;
     delete loanProduct.advancedAccountingRules;
+    delete loanProduct.loanPeriod;
+
+    // The Advances payload is assembled explicitly in the create component and already carries only
+    // whitelisted params (core Fineract fields + satellite ADVANCE_PARAMETERS), so it is NOT stripped.
+    // For the Loans path, the Details/Security fields below are not backend params, so drop them.
+    if (loanProduct.productTypeGroup !== 'advances') {
+      delete loanProduct.productTypeGroup;
+      delete loanProduct.productTypeSubGroup;
+      delete loanProduct.glAccount;
+      delete loanProduct.loanProductCategory;
+      delete loanProduct.prioritySector;
+      delete loanProduct.cibilAccountType;
+      delete loanProduct.kfsEnabled;
+      delete loanProduct.aprEnabled;
+      delete loanProduct.securityType;
+      delete loanProduct.lienCertificateRequired;
+      delete loanProduct.securityMargin;
+      delete loanProduct.dpType;
+      delete loanProduct.dpValue;
+    }
 
     // In Fineract, the POST and PUT endpoints for /v1/loanproducts have a typo in the field
     // allowPartialPeriodInterestCalculation. Until that is fixed, we need to replace the field name in the payload.