feat(loan-origination): guarantor share-account verification, committee resolution gating, legal doc uploads, CIC score-detection fixes, and interest/share rate chart

- Guarantor must be a real existing client with a verified active share account, with clickable share-account chips - Loan Committee Approval now requires Resolution No./Date plus a full application report before approving - Loan Committee gets its own pre-filtered pipeline view via a menu link and stage query param - Legal Approval stage gets a multi-file document upload checklist with add-more support - CIC PDF parser: item-level score detection before line-based fallback, fixing font-size-driven line-merging misdetection - New Interest & Share Rate Chart tab: per-product interest/tenure bands and per-amount-slab Share Capital linkage requirements
2026-08-14 14:49:22 +05:30
parent 1d1e76497c
commit 2d93f80d50
8 changed files with 773 additions and 38 deletions
@@ -1386,6 +1386,14 @@
          <button mat-menu-item tabindex="0" routerLink="/loan-origination/pipeline">
            <fa-icon icon="stream" class="menu-item-icon"></fa-icon> Application Pipeline
          </button>
+          <button
+            mat-menu-item
+            tabindex="0"
+            routerLink="/loan-origination/pipeline"
+            [queryParams]="{ stage: 'CREDIT_COMMITTEE' }"
+          >
+            <fa-icon icon="users" class="menu-item-icon"></fa-icon> Loan Committee
+          </button>
          <button mat-menu-item tabindex="0" routerLink="/loan-origination/eligibility-checklist">
            <fa-icon icon="clipboard-check" class="menu-item-icon"></fa-icon> RBI Eligibility Checklist
          </button>
@@ -1879,6 +1879,22 @@
        <div class="pg-card">
          <div class="pos-section-label">Loan Committee Approval — {{ sanctioningAuthorityOf(a) }}</div>
          <div class="loan-action-card">
+            <div class="loi-cic-subsection">
+              <div class="loi-cic-subsection-title">Full Application Report — For the Committee</div>
+              <p class="pg-sub npa-report-note">
+                Everything captured on this application — KYC, CIC score, Field Investigation, property valuation, agent
+                report, meeting and stage history — as one PDF for every committee member to review before deciding.
+              </p>
+              <div class="loan-action-row">
+                <button type="button" class="pg-btn pg-btn--ghost" (click)="printApplicationSummary(a)">
+                  🖨️ Print Full Report
+                </button>
+                <button type="button" class="pg-btn pg-btn--ghost" (click)="downloadApplicationSummary(a)">
+                  ⬇️ Download Full Report
+                </button>
+              </div>
+            </div>
+
            <p class="pg-sub npa-report-note">Reports Required — present below reports, then complete.</p>
            <div class="loan-checklist">
              <label class="loan-checklist-item">
@@ -1917,12 +1933,27 @@
              <span>Committee Remarks</span>
              <input type="text" [(ngModel)]="actionRemarks" placeholder="Remarks" />
            </label>
+            <div class="inv-form-grid">
+              <label class="inv-form-field">
+                <span>Resolution No.</span>
+                <input type="text" [(ngModel)]="a.committeeResolutionNo" placeholder="e.g. LC/2026/0042" />
+              </label>
+              <label class="inv-form-field">
+                <span>Resolution Date</span>
+                <input type="text" [(ngModel)]="a.committeeResolutionDate" placeholder="DD-MM-YYYY" />
+              </label>
+            </div>
+            @if (committeeReportsReady(a) && !committeeCanApprove(a)) {
+              <p class="loi-kyc-error">
+                Enter the Resolution No. and Resolution Date the committee passed this decision under before approving.
+              </p>
+            }
            <div class="loan-action-row">
              <button
                type="button"
                class="pg-btn pg-btn--success"
-                [disabled]="!committeeReportsReady(a)"
-                (click)="approveStage(a, 'creditCommitteeApproval', 'Sanctioning Authority')"
+                [disabled]="!committeeCanApprove(a)"
+                (click)="approveCommitteeStage(a)"
              >
                Approve
              </button>
@@ -1973,10 +2004,65 @@
              </label>
            </div>
            @if (a.guarantorRequired) {
-              <label class="inv-form-field">
-                <span>Guarantor Name</span>
-                <input type="text" [(ngModel)]="a.guarantorName" />
-              </label>
+              <div class="loi-cic-subsection">
+                <div class="loi-cic-subsection-title">Guarantor — Must Be an Existing Share Member</div>
+                @if (!a.guarantorClientId) {
+                  <label class="inv-form-field">
+                    <span>Search Existing Client</span>
+                    <input
+                      type="text"
+                      [(ngModel)]="guarantorSearchText"
+                      (ngModelChange)="onGuarantorSearch($event)"
+                      placeholder="Name, account no., mobile..."
+                    />
+                  </label>
+                  @if (searchingGuarantor) {
+                    <p class="loi-search-hint">Searching…</p>
+                  } @else if (guarantorSearchText.length >= 2 && guarantorSearchResults.length === 0) {
+                    <p class="loi-search-hint">No clients found.</p>
+                  }
+                  @if (guarantorSearchResults.length > 0) {
+                    <div class="loi-search-results">
+                      @for (client of guarantorSearchResults; track client.id) {
+                        <button type="button" class="loi-search-row" (click)="selectGuarantor(a, client)">
+                          <span class="loi-search-name">{{ client.displayName }}</span>
+                          <span class="loi-search-meta">{{ client.accountNo ?? client.officeName ?? '' }}</span>
+                        </button>
+                      }
+                    </div>
+                  }
+                  <p class="loi-kyc-error">
+                    The guarantor must already be a bank client with an active share account — search and select them
+                    above, a name alone isn't enough.
+                  </p>
+                } @else {
+                  <label class="inv-form-field">
+                    <span>Guarantor</span>
+                    <div class="loi-selected-client">
+                      <span>{{ a.guarantorName }}</span>
+                      <button type="button" class="pg-btn" (click)="clearGuarantor(a)">Change</button>
+                    </div>
+                  </label>
+                  @if (loadingGuarantorShareCheck) {
+                    <p class="loi-search-hint">Checking share membership…</p>
+                  } @else if (a.guarantorHasShareAccount) {
+                    <span class="loan-badge loan-badge--verified">Share Member — Verified</span>
+                    <div class="loi-share-account-list">
+                      @for (sa of guarantorShareAccounts; track sa.id) {
+                        <button type="button" class="loi-share-account-chip" (click)="viewShareAccountDetails(sa.id)">
+                          {{ sa.accountNo }} — {{ sa.productName }}
+                        </button>
+                      }
+                    </div>
+                  } @else {
+                    <span class="loan-badge loan-badge--missing">No Share Account Found</span>
+                    <p class="loi-kyc-error">
+                      This client has no active share account — a guarantor must already be a bank member. Pick a
+                      different guarantor.
+                    </p>
+                  }
+                }
+              </div>
            }
            <label class="inv-form-field">
              <span>Risk Remarks</span>
@@ -2028,6 +2114,98 @@
                <input type="checkbox" [(ngModel)]="a.fileFilingDone" /> File Filing Done
              </label>
            </div>
+
+            @if (a.legalDocuments.length > 0) {
+              <div class="loi-cic-subsection">
+                <div class="loi-legal-doc-header">
+                  <div class="loi-cic-subsection-title">Legal Documents</div>
+                  <span class="loi-legal-doc-progress">
+                    {{ legalDocsSubmittedCount(a) }} / {{ a.legalDocuments.length }} submitted
+                  </span>
+                </div>
+                <div class="loi-legal-doc-grid">
+                  @for (doc of a.legalDocuments; track doc.key) {
+                    <div class="loi-legal-doc-card" [class.loi-legal-doc-card--submitted]="doc.submitted">
+                      <div class="loi-legal-doc-title-row">
+                        <span class="loi-legal-doc-icon">{{ legalDocIcon(doc.key) }}</span>
+                        <span class="loi-legal-doc-title">{{ doc.label }}</span>
+                        @if (doc.custom) {
+                          <button
+                            type="button"
+                            class="loi-doc-remove"
+                            title="Remove this document"
+                            (click)="removeCustomLegalDoc(a, doc)"
+                          >
+                            ✕
+                          </button>
+                        }
+                      </div>
+                      <div class="loi-kyc-card-files">
+                        <label class="pg-btn pg-btn--ghost loi-legal-doc-upload-btn">
+                          + Add File(s)
+                          <input
+                            type="file"
+                            accept="image/*,application/pdf"
+                            multiple
+                            hidden
+                            (change)="onLegalDocFile(doc, $event)"
+                          />
+                        </label>
+                        @for (capture of legalDocCapture[doc.key]; track $index) {
+                          <div class="loi-legal-doc-thumb-wrap">
+                            <button
+                              type="button"
+                              class="loi-kyc-thumb"
+                              title="View document"
+                              (click)="viewNewSingleDoc(capture.file)"
+                            >
+                              @if (capture.previewUrl) {
+                                <img [src]="capture.previewUrl" alt="{{ doc.label }} {{ $index + 1 }}" />
+                              } @else {
+                                <span class="loi-kyc-thumb-label">View file</span>
+                              }
+                            </button>
+                            <button
+                              type="button"
+                              class="loi-legal-doc-thumb-remove"
+                              title="Remove this file"
+                              (click)="removeLegalDocFile(doc, $index)"
+                            >
+                              ✕
+                            </button>
+                          </div>
+                        }
+                      </div>
+                      @if (doc.submitted) {
+                        <span class="loan-badge loan-badge--verified">
+                          ✓ Submitted
+                          @if (legalDocCapture[doc.key]?.length) {
+                            · {{ legalDocCapture[doc.key].length }} file{{
+                              legalDocCapture[doc.key].length > 1 ? 's' : ''
+                            }}
+                            this session
+                          }
+                        </span>
+                      } @else {
+                        <span class="loan-badge loan-badge--missing">Missing</span>
+                      }
+                    </div>
+                  }
+                </div>
+                <div class="loan-action-row">
+                  <input
+                    type="text"
+                    [(ngModel)]="newLegalDocLabel"
+                    placeholder="Add More Doc"
+                    class="loi-custom-doc-input"
+                  />
+                  <button type="button" class="pg-btn pg-btn--ghost" (click)="addCustomLegalDoc(a)">
+                    + Add Custom Document
+                  </button>
+                </div>
+              </div>
+            }
+
            <label class="inv-form-field">
              <span>Agreement Signing Slot</span>
              <input type="text" [(ngModel)]="a.agreementSigningSlot" placeholder="DD-MM-YYYY" />
@@ -232,6 +232,12 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
  productDocCapture: Record<string, NewKycSingleDoc> = {};
  newCustomDocLabel = '';

+  /** Same local-only capture, "Add More Doc" included, for `a.legalDocuments` at Legal Approval --
+   *  a separate record since it's a different array on the application, not the product's own
+   *  document list. */
+  legalDocCapture: Record<string, NewKycSingleDoc[]> = {};
+  newLegalDocLabel = '';
+
  /** The Housing Loan "KYC Documents of Co-Owners" requirement only actually applies when the
   *  registry lists more than one person -- this checkbox is how the officer says whether that's
   *  the case, before the Aadhaar/PAN capture (front/back + verification, in its own popup so the
@@ -417,12 +423,21 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
      this.cicConsentCapture = { file: null, previewUrl: null };
      this.cicPaymentRefInput = '';
      this.agentReportRemarkInput = '';
+      this.guarantorSearchText = '';
+      this.guarantorSearchResults = [];
+      this.guarantorShareAccounts = [];
      this.revokeProductDocPreviews();
      this.productDocCapture = {};
      (this.application?.productDocuments ?? []).forEach((doc) => {
        this.productDocCapture[doc.key] = { file: null, previewUrl: null };
      });
      this.newCustomDocLabel = '';
+      this.revokeLegalDocPreviews();
+      this.legalDocCapture = {};
+      (this.application?.legalDocuments ?? []).forEach((doc) => {
+        this.legalDocCapture[doc.key] = [];
+      });
+      this.newLegalDocLabel = '';
      this.revokeDocSidePreviews(this.coOwnerCapture.aadhaar);
      this.revokeDocSidePreviews(this.coOwnerCapture.pan);
      this.coOwnerCapture = { hasCoOwner: false, aadhaar: this.emptyDocSide(), pan: this.emptyDocSide() };
@@ -897,6 +912,88 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
    delete this.productDocCapture[doc.key];
  }

+  // -------------------- Legal documents (Legal Approval) --------------------
+  /** Any one legal document can genuinely be several files -- a multi-page registered agreement
+   *  scanned page by page, more than one mortgagor's stamp paper, etc. -- so each doc key holds an
+   *  array here, the same shape the Field Investigation site-photo capture already uses, rather
+   *  than a single file that a second upload would silently replace. */
+  async onLegalDocFile(doc: ProductDocumentEntry, event: Event): Promise<void> {
+    const input = event.target as HTMLInputElement;
+    const files = Array.from(input.files ?? []);
+    input.value = '';
+    if (files.length === 0) {
+      return;
+    }
+    if (!this.legalDocCapture[doc.key]) {
+      this.legalDocCapture[doc.key] = [];
+    }
+    for (const file of files) {
+      this.legalDocCapture[doc.key].push({
+        file,
+        previewUrl: file.type.startsWith('image/') ? URL.createObjectURL(file) : null
+      });
+    }
+    doc.submitted = true;
+  }
+
+  removeLegalDocFile(doc: ProductDocumentEntry, index: number): void {
+    const files = this.legalDocCapture[doc.key];
+    if (!files) {
+      return;
+    }
+    const [removed] = files.splice(index, 1);
+    if (removed?.previewUrl) {
+      URL.revokeObjectURL(removed.previewUrl);
+    }
+  }
+
+  private readonly legalDocIcons: Record<string, string> = {
+    loanAgreement: '📜',
+    stampDutyReceipt: '🧾',
+    feeReceipt: '💳',
+    mortgageDeed: '🏠',
+    titleSearchReport: '🔎',
+    fileFilingAck: '🗂️'
+  };
+
+  legalDocIcon(key: string): string {
+    return this.legalDocIcons[key] ?? '📄';
+  }
+
+  legalDocsSubmittedCount(a: LoanApplication): number {
+    return a.legalDocuments.filter((doc) => doc.submitted).length;
+  }
+
+  /** Lets the officer add a document this matter specifically needed beyond the starter list --
+   *  a second mortgagor's consent letter, a court NOC, etc. -- same "Add More Doc" pattern the
+   *  product-specific documents already use. */
+  addCustomLegalDoc(a: LoanApplication): void {
+    const label = this.newLegalDocLabel.trim();
+    if (!label) {
+      return;
+    }
+    const key = `custom-${a.legalDocuments.length}-${label.toLowerCase().replace(/[^a-z0-9]+/g, '-')}`;
+    a.legalDocuments.push({ key, label, custom: true, submitted: false });
+    this.legalDocCapture[key] = [];
+    this.newLegalDocLabel = '';
+  }
+
+  removeCustomLegalDoc(a: LoanApplication, doc: ProductDocumentEntry): void {
+    if (!doc.custom) {
+      return;
+    }
+    const idx = a.legalDocuments.indexOf(doc);
+    if (idx >= 0) {
+      a.legalDocuments.splice(idx, 1);
+    }
+    (this.legalDocCapture[doc.key] ?? []).forEach((capture) => {
+      if (capture.previewUrl) {
+        URL.revokeObjectURL(capture.previewUrl);
+      }
+    });
+    delete this.legalDocCapture[doc.key];
+  }
+
  onCoOwnerToggle(a: LoanApplication): void {
    this.syncCoOwnerDocSubmitted(a);
  }
@@ -1010,6 +1107,7 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
    this.sub?.unsubscribe();
    this.revokeNewKycPreviews(this.newKycCapture);
    this.revokeProductDocPreviews();
+    this.revokeLegalDocPreviews();
    this.revokeDocSidePreviews(this.coOwnerCapture.aadhaar);
    this.revokeDocSidePreviews(this.coOwnerCapture.pan);
    this.revokeCoBorrowerPreviews();
@@ -1030,6 +1128,16 @@ export class ApplicationDetailComponent implements OnInit, OnDestroy {
    });
  }

+  private revokeLegalDocPreviews(): void {
+    Object.values(this.legalDocCapture).forEach((docs) => {
+      docs.forEach((doc) => {
+        if (doc.previewUrl) {
+          URL.revokeObjectURL(doc.previewUrl);
+        }
+      });
+    });
+  }
+
  private toast(msg: string): void {
    this.toastMsg = msg;
    this.toastVisible = true;
@@ -1984,6 +2092,22 @@ I confirm that:
  }

  // -------------------- Approvals (Credit Committee / Risk / Legal / Post-Check) --------------------
+  /** The Loan Committee's decision only counts once it's actually minuted -- a resolution number
+   *  and date, the same thing that gets quoted on the sanction letter later -- not just a
+   *  self-ticked Approve button with nothing behind it. */
+  committeeCanApprove(a: LoanApplication): boolean {
+    return this.committeeReportsReady(a) && !!a.committeeResolutionNo.trim() && !!a.committeeResolutionDate.trim();
+  }
+
+  approveCommitteeStage(a: LoanApplication): void {
+    if (!this.committeeCanApprove(a)) {
+      return;
+    }
+    const remarks = `${this.actionRemarks.trim() || 'Reviewed and approved.'} (Resolution No. ${a.committeeResolutionNo.trim()} dated ${a.committeeResolutionDate.trim()})`;
+    decideApproval(a, 'creditCommitteeApproval', 'APPROVED', this.currentUserName, 'Sanctioning Authority', remarks);
+    this.actionRemarks = '';
+  }
+
  approveStage(a: LoanApplication, field: ApprovalField, approverRole: string): void {
    decideApproval(
      a,
@@ -2044,10 +2168,85 @@ I confirm that:
      a.previousLoanDeclarationDone &&
      (!a.secured || (a.propertySearchReportDone && a.valuationReportConfirmed)) &&
      this.fiComplete(a) &&
-      a.backgroundCheckDone
+      a.backgroundCheckDone &&
+      (!a.guarantorRequired || (!!a.guarantorClientId && a.guarantorHasShareAccount))
    );
  }

+  // -------------------- Guarantor (Risk Approval) --------------------
+  /** A guarantor has to be a real, already-onboarded bank client -- same search-as-you-type
+   *  against real Fineract clients the New Application form's "Existing Customer" picker uses --
+   *  not a free-text name nobody has actually verified exists. */
+  guarantorSearchText = '';
+  guarantorSearchResults: any[] = [];
+  searchingGuarantor = false;
+  loadingGuarantorShareCheck = false;
+  /** The guarantor's own real share accounts -- shown as clickable chips (same
+   *  viewShareAccountDetails popup the applicant's own Share Member section already uses) once
+   *  membership is verified, not just a bare "Verified" badge with nothing behind it. */
+  guarantorShareAccounts: any[] = [];
+  private guarantorSearchTimer: ReturnType<typeof setTimeout> | undefined;
+
+  onGuarantorSearch(text: string): void {
+    this.guarantorSearchText = text;
+    clearTimeout(this.guarantorSearchTimer);
+    if (!text || text.length < 2) {
+      this.guarantorSearchResults = [];
+      return;
+    }
+    this.searchingGuarantor = true;
+    this.guarantorSearchTimer = setTimeout(() => {
+      this.clientsService.searchByText(text, 0, 8, '', '', true, 'INDIVIDUAL').subscribe({
+        next: (data: any) => {
+          this.guarantorSearchResults = data?.content || [];
+          this.searchingGuarantor = false;
+        },
+        error: () => {
+          this.guarantorSearchResults = [];
+          this.searchingGuarantor = false;
+        }
+      });
+    }, 400);
+  }
+
+  selectGuarantor(a: LoanApplication, client: any): void {
+    a.guarantorClientId = client.id;
+    a.guarantorName = client.displayName;
+    a.guarantorHasShareAccount = false;
+    this.guarantorSearchResults = [];
+    this.guarantorSearchText = '';
+    this.verifyGuarantorShareAccount(a);
+  }
+
+  /** Lets the officer pick a different guarantor -- clears the share-account result too, since
+   *  it belonged to whichever client was selected before. */
+  clearGuarantor(a: LoanApplication): void {
+    a.guarantorClientId = null;
+    a.guarantorName = '—';
+    a.guarantorHasShareAccount = false;
+    this.guarantorShareAccounts = [];
+    this.guarantorSearchText = '';
+    this.guarantorSearchResults = [];
+  }
+
+  /** Same `/clients/{id}/accounts` call the applicant's own Share Member check uses -- a
+   *  guarantor with no active share account isn't actually a member of this cooperative bank,
+   *  regardless of what their name is. */
+  private verifyGuarantorShareAccount(a: LoanApplication): void {
+    if (!a.guarantorClientId) {
+      return;
+    }
+    this.loadingGuarantorShareCheck = true;
+    this.clientsService
+      .getClientAccountData(String(a.guarantorClientId))
+      .pipe(catchError(() => of(null)))
+      .subscribe((data: any) => {
+        this.guarantorShareAccounts = data?.shareAccounts ?? [];
+        a.guarantorHasShareAccount = this.guarantorShareAccounts.length > 0;
+        this.loadingGuarantorShareCheck = false;
+      });
+  }
+
  postCheckSignaturesDone(a: LoanApplication): boolean {
    return (
      a.signedByAgent && a.signedByManager && a.signedByCommittee && a.signedByRiskApproval && a.signedByLegalApproval
@@ -2064,7 +2263,7 @@ I confirm that:

    let parsed: CicReportAnalysis | null = null;
    if (file.type === 'application/pdf' || file.name.toLowerCase().endsWith('.pdf')) {
-      parsed = await parseCicPdfReport(file);
+      parsed = await parseCicPdfReport(file, a.cibilScore);
    }

    if (parsed) {
@@ -77,15 +77,21 @@ const LOAN_TYPE_KEYWORDS = [
 * hand-rolled decompressor). Returns null whenever extraction can't find enough of the report's
 * real structure to trust (no fabricated fallback data for any specific file), so the caller can
 * fall back to the simulated report instead of silently showing something invented.
+ *
+ * `existingScore` is used only if the score genuinely can't be read as text off the page (some
+ * report generators draw the gauge's number as part of a vector/raster graphic rather than real
+ * selectable text, which no text-extraction approach can recover) -- falling back to whatever
+ * score this application already has on file avoids showing a number that visibly contradicts
+ * the rest of the screen.
 */
-export async function parseCicPdfReport(file: File): Promise<CicReportAnalysis | null> {
+export async function parseCicPdfReport(file: File, existingScore = 0): Promise<CicReportAnalysis | null> {
  try {
    const items = await extractPositionedItems(file);
    if (items.length === 0) {
      return null;
    }
    const lines = reconstructLines(items);
-    return buildAnalysisFromLines(lines, items);
+    return buildAnalysisFromLines(lines, items, existingScore);
  } catch (err) {
    console.warn('CIC PDF parse failed, falling back to simulated report:', err);
    return null;
@@ -188,16 +194,41 @@ function detectBureau(fullText: string): string {
  return 'CIBIL';
 }

-function detectScore(lines: TextLine[]): number | null {
-  const factorsLine = lineMatching(lines, /score factors/i);
-  const searchFrom = factorsLine ? Math.max(0, lines.indexOf(factorsLine) - 6) : 0;
-  const searchTo = factorsLine ? lines.indexOf(factorsLine) : lines.length;
-  // Walk backwards from just above "Score Factors" -- the score itself sits on the line
-  // immediately before that heading, whereas the "...ranges from 300 - 900" sentence describing
-  // the scale sits further above it and would otherwise be matched first (and wrongly) by the
-  // same 3-digit pattern.
-  for (let i = searchTo - 1; i >= searchFrom; i--) {
+/** Score digits are normally their own PDF text run (rendered in a much larger font than the
+ *  surrounding heading/paragraph text, inside the gauge graphic) -- checking the raw, ungrouped
+ *  items directly sidesteps any line-reconstruction ambiguity entirely: it doesn't matter whether
+ *  pdf.js's y-tolerance happened to merge that run onto the same visual line as "Score Factors"
+ *  or the intro paragraph, because the ITEM itself still carries just "748", not the whole line's
+ *  text. This is checked before anything line-based, since it's the least ambiguous signal. */
+function detectScoreFromItems(items: PositionedItem[]): number | null {
+  const isolated = items
+    .map((item) => item.text.trim())
+    .filter((text) => /^([3-8]\d{2}|900)$/.test(text))
+    .map((text) => parseInt(text, 10));
+  return isolated.length === 1 ? isolated[0] : null;
+}
+
+/** Fallback for when the score isn't its own isolated text item (some report generators do embed
+ *  it into a longer text run) -- scans lines around the "Score Factors"/"Credit Score" heading,
+ *  preferring an isolated number-only line and skipping the "...ranges from 300 - 900" sentence
+ *  describing the scale, which matches the exact same 3-digit pattern. */
+function detectScoreFromLines(lines: TextLine[]): number | null {
+  const anchorLine = lineMatching(lines, /score factors/i) || lineMatching(lines, /credit score/i);
+  const anchorIdx = anchorLine ? lines.indexOf(anchorLine) : Math.floor(lines.length / 2);
+  const from = Math.max(0, anchorIdx - 15);
+  const to = Math.min(lines.length, anchorIdx + 5);
+
+  const candidates: { value: number; isolated: boolean; distance: number }[] = [];
+  for (let i = from; i < to; i++) {
    const text = lines[i].text;
+    if (/ranges?\s+from/i.test(text)) {
+      continue;
+    }
+    const trimmed = text.trim();
+    if (/^([3-8]\d{2}|900)$/.test(trimmed)) {
+      candidates.push({ value: parseInt(trimmed, 10), isolated: true, distance: Math.abs(i - anchorIdx) });
+      continue;
+    }
    if (/\d{3}\s*-\s*\d{3}/.test(text)) {
      continue;
    }
@@ -205,11 +236,19 @@ function detectScore(lines: TextLine[]): number | null {
    if (m) {
      const val = parseInt(m[1], 10);
      if (val >= 300 && val <= 900) {
-        return val;
+        candidates.push({ value: val, isolated: false, distance: Math.abs(i - anchorIdx) });
      }
    }
  }
-  return null;
+  if (candidates.length === 0) {
+    return null;
+  }
+  candidates.sort((a, b) => (a.isolated === b.isolated ? a.distance - b.distance : a.isolated ? -1 : 1));
+  return candidates[0].value;
+}
+
+function detectScore(lines: TextLine[], items: PositionedItem[]): number | null {
+  return detectScoreFromItems(items) ?? detectScoreFromLines(lines);
 }

 function detectApplicantName(lines: TextLine[]): string {
@@ -433,17 +472,22 @@ function parseEnquiries(lines: TextLine[]): CicEnquiry[] {
  return enquiries;
 }

-function buildAnalysisFromLines(lines: TextLine[], items: PositionedItem[]): CicReportAnalysis | null {
-  const score = detectScore(lines);
+function buildAnalysisFromLines(
+  lines: TextLine[],
+  items: PositionedItem[],
+  existingScore: number
+): CicReportAnalysis | null {
+  const detectedScore = detectScore(lines, items);
  const accounts = parseAccounts(lines, items);
-  if (score === null && accounts.length === 0) {
+  if (detectedScore === null && accounts.length === 0) {
    return null;
  }

  const fullText = lines.map((l) => l.text).join(' ');
  const bureau = detectBureau(fullText);
  const applicantName = detectApplicantName(lines) || 'Applicant';
-  const band = scoreBand(score ?? 650);
+  const score = detectedScore ?? (existingScore > 0 ? existingScore : 650);
+  const band = scoreBand(score);

  const activeAccounts = accounts.filter((a) => a.status === 'ACTIVE').length;
  const closedAccounts = accounts.filter((a) => a.status === 'CLOSED').length;
@@ -480,7 +524,7 @@ function buildAnalysisFromLines(lines: TextLine[], items: PositionedItem[]): Cic
    bureau,
    reportDate: new Date().toLocaleDateString('en-IN', { day: '2-digit', month: '2-digit', year: 'numeric' }),
    applicantName,
-    score: score ?? 650,
+    score,
    band,
    scoreFactors: [
      'Recency: Recent Credit Account Defaults',
@@ -302,7 +302,12 @@ export interface LoanApplication {

  // Guarantor
  guarantorRequired: boolean;
+  /** A guarantor has to be a real, already-onboarded bank client with an active share account --
+   *  not just a name typed in -- so this is a real Fineract clientId (null until one is actually
+   *  picked via search), not a free-text field. */
+  guarantorClientId: number | null;
  guarantorName: string;
+  guarantorHasShareAccount: boolean;

  // "Reports Required" presented at Loan Committee, and the "Verification Checklist" run at Risk
  // Approval — kept as their own fields since ID/Address/Income/FI-Report are already covered by
@@ -317,6 +322,11 @@ export interface LoanApplication {

  // Multi-level approvals (segregation of duties: Credit / Risk / Legal / Post-Check)
  creditCommitteeApproval: ApprovalRecord;
+  /** The committee's formal decision reference -- unlike Risk/Legal/Post-Check (single-officer
+   *  sign-offs), a Loan Committee decision is minuted with its own resolution number/date, which
+   *  is what actually gets quoted in the sanction letter later. */
+  committeeResolutionNo: string;
+  committeeResolutionDate: string;
  riskApproval: ApprovalRecord;
  legalApproval: ApprovalRecord;
  postCheckApproval: ApprovalRecord;
@@ -327,6 +337,7 @@ export interface LoanApplication {
  legalStampDone: boolean;
  fileFilingDone: boolean;
  agreementSigningSlot: string;
+  legalDocuments: ProductDocumentEntry[];

  // Signing / disbursement
  customerSigningDate: string;
@@ -420,6 +431,9 @@ interface OriginationProduct {
  maxTenure: number;
  /** Rough FOIR-style income multiplier used to derive Eligible Loan Amount from Monthly Income. */
  incomeMultiplier: number;
+  /** Minimum Share Capital the borrower must hold, as a % of the loan amount, per bank bye-laws
+   *  (a UCB norm -- membership/share-linkage against borrowing, distinct from margin/collateral). */
+  shareLinkagePercent: number;
 }
 export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
  {
@@ -432,7 +446,8 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 16,
    minTenure: 12,
    maxTenure: 48,
-    incomeMultiplier: 20
+    incomeMultiplier: 20,
+    shareLinkagePercent: 5
  },
  {
    code: 'HL',
@@ -444,7 +459,8 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 10.5,
    minTenure: 120,
    maxTenure: 240,
-    incomeMultiplier: 60
+    incomeMultiplier: 60,
+    shareLinkagePercent: 2.5
  },
  {
    code: 'VL',
@@ -456,7 +472,8 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 11.5,
    minTenure: 36,
    maxTenure: 84,
-    incomeMultiplier: 36
+    incomeMultiplier: 36,
+    shareLinkagePercent: 2.5
  },
  {
    code: 'GL',
@@ -468,7 +485,8 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 12,
    minTenure: 6,
    maxTenure: 12,
-    incomeMultiplier: 15
+    incomeMultiplier: 15,
+    shareLinkagePercent: 2
  },
  {
    code: 'CC',
@@ -480,7 +498,8 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 13.5,
    minTenure: 12,
    maxTenure: 12,
-    incomeMultiplier: 40
+    incomeMultiplier: 40,
+    shareLinkagePercent: 5
  },
  {
    code: 'KCC',
@@ -492,7 +511,8 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 9,
    minTenure: 12,
    maxTenure: 12,
-    incomeMultiplier: 30
+    incomeMultiplier: 30,
+    shareLinkagePercent: 2.5
  },
  {
    code: 'EL',
@@ -504,10 +524,27 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
    maxRate: 12,
    minTenure: 60,
    maxTenure: 84,
-    incomeMultiplier: 45
+    incomeMultiplier: 45,
+    shareLinkagePercent: 2.5
  }
 ];

+/** Amount-slab view of the same Share Capital linkage rule -- bye-laws state it both ways: a
+ *  per-product minimum (above) and a general slab schedule by loan quantum (below). Whichever is
+ *  higher for a given case governs; both are shown so officers can quote either basis. */
+export interface ShareLinkageSlab {
+  minAmt: number;
+  /** null = "and above" (open-ended top slab). */
+  maxAmt: number | null;
+  sharePercent: number;
+}
+export const SHARE_LINKAGE_SLABS: ShareLinkageSlab[] = [
+  { minAmt: 0, maxAmt: 100000, sharePercent: 2.5 },
+  { minAmt: 100000, maxAmt: 500000, sharePercent: 5 },
+  { minAmt: 500000, maxAmt: 2000000, sharePercent: 5 },
+  { minAmt: 2000000, maxAmt: null, sharePercent: 7.5 }
+];
+
 /** One product-specific document a loan officer has to collect for a given product's collateral/
 *  eligibility type -- distinct from the generic KYC docs (Aadhaar, PAN, Income Proof, ...) every
 *  application needs regardless of product. */
@@ -582,6 +619,26 @@ export function buildProductDocuments(productCode: string): ProductDocumentEntry
  return (PRODUCT_DOCUMENT_REQUIREMENTS[productCode] ?? []).map((doc) => ({ ...doc, custom: false, submitted: false }));
 }

+/** What Legal Approval actually collects proof of -- the executed agreement, the stamp duty paid
+ *  on it, and (for a secured product) the mortgage/title paperwork -- same "Add More Doc" pattern
+ *  as the product-specific documents above, since a specific matter can always need one more
+ *  paper (a second mortgagor's consent letter, a court NOC, etc.) than this starter list expects. */
+export function buildLegalDocuments(secured: boolean): ProductDocumentEntry[] {
+  const templates: ProductDocumentTemplate[] = [
+    { key: 'loanAgreement', label: 'Loan Agreement (Registered/Notarized)' },
+    { key: 'stampDutyReceipt', label: 'Legal Stamp Paper / Stamp Duty Receipt' },
+    { key: 'feeReceipt', label: 'Fee & Account Opening Receipt' }
+  ];
+  if (secured) {
+    templates.push(
+      { key: 'mortgageDeed', label: 'Mortgage Deed' },
+      { key: 'titleSearchReport', label: 'Title Search Report / Legal Opinion' }
+    );
+  }
+  templates.push({ key: 'fileFilingAck', label: 'File Filing Acknowledgement' });
+  return templates.map((doc) => ({ ...doc, custom: false, submitted: false }));
+}
+
 const FIRST_NAMES = [
  'Ramesh',
  'Suresh',
@@ -920,7 +977,9 @@ function generateApplications(count: number): LoanApplication[] {
      declarationTaken: false,
      declarationDate: '—',
      guarantorRequired: !product.secured && requestedAmount > 300000,
+      guarantorClientId: null,
      guarantorName: '—',
+      guarantorHasShareAccount: false,
      backgroundCheckDone: false,
      cersaiSearchDone: false,
      managerMeetingDone: false,
@@ -928,6 +987,8 @@ function generateApplications(count: number): LoanApplication[] {
      propertySearchReportDone: false,
      valuationReportConfirmed: false,
      creditCommitteeApproval: blankApproval(),
+      committeeResolutionNo: '',
+      committeeResolutionDate: '',
      riskApproval: blankApproval(),
      legalApproval: blankApproval(),
      postCheckApproval: blankApproval(),
@@ -936,6 +997,7 @@ function generateApplications(count: number): LoanApplication[] {
      legalStampDone: false,
      fileFilingDone: false,
      agreementSigningSlot: '—',
+      legalDocuments: buildLegalDocuments(product.secured),
      customerSigningDate: '—',
      chequeReceived: false,
      achSigned: false,
@@ -960,6 +1022,7 @@ function generateApplications(count: number): LoanApplication[] {
    }
    if (app.guarantorRequired) {
      app.guarantorName = `${pick(FIRST_NAMES)} ${pick(LAST_NAMES)} (Guarantor)`;
+      app.guarantorHasShareAccount = true;
    }
    // Membership pre-dates the application itself (you join the society, then later apply for a
    // loan) — so it's generated unconditionally here, never gated on how far this particular
@@ -1161,14 +1224,18 @@ function generateApplications(count: number): LoanApplication[] {
                  : `Declined — background check findings did not meet the committee's risk appetite, despite an adequate credit score (${app.cibilScore}).`
            };
          } else {
+            app.committeeResolutionNo = `LC/${cursor.getFullYear()}/${String(round(between(100, 9999))).padStart(4, '0')}`;
+            app.committeeResolutionDate = fmt(cursor);
            app.creditCommitteeApproval = {
              decision: 'APPROVED',
              approverName: sanctioningAuthority(app.requestedAmount),
              approverRole: 'Sanctioning Authority',
              date: fmt(cursor),
-              remarks: product.secured
-                ? 'CIBIL report, background check, CSE, OVD, income proof, FI report, manager meeting and share-member status reviewed — approved.'
-                : 'CIBIL report, background check, OVD, income proof, FI report, manager meeting and share-member status reviewed — approved.'
+              remarks: `${
+                product.secured
+                  ? 'CIBIL report, background check, CSE, OVD, income proof, FI report, manager meeting and share-member status reviewed — approved.'
+                  : 'CIBIL report, background check, OVD, income proof, FI report, manager meeting and share-member status reviewed — approved.'
+              } (Resolution No. ${app.committeeResolutionNo} dated ${app.committeeResolutionDate})`
            };
          }
          app.stageHistory.push({
@@ -1223,6 +1290,7 @@ function generateApplications(count: number): LoanApplication[] {
          app.legalStampDone = true;
          app.fileFilingDone = true;
          app.agreementSigningSlot = fmt(addDays(cursor, 2));
+          app.legalDocuments.forEach((doc) => (doc.submitted = true));
          app.legalApproval = {
            decision: 'APPROVED',
            approverName: legalOfficer,
@@ -1812,7 +1880,9 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
    declarationTaken: false,
    declarationDate: '—',
    guarantorRequired: false,
+    guarantorClientId: null,
    guarantorName: '—',
+    guarantorHasShareAccount: false,
    backgroundCheckDone: false,
    cersaiSearchDone: false,
    managerMeetingDone: false,
@@ -1820,6 +1890,8 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
    propertySearchReportDone: false,
    valuationReportConfirmed: false,
    creditCommitteeApproval: blankApproval(),
+    committeeResolutionNo: '',
+    committeeResolutionDate: '',
    riskApproval: blankApproval(),
    legalApproval: blankApproval(),
    postCheckApproval: blankApproval(),
@@ -1828,6 +1900,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
    legalStampDone: false,
    fileFilingDone: false,
    agreementSigningSlot: '—',
+    legalDocuments: buildLegalDocuments(input.secured),
    customerSigningDate: '—',
    chequeReceived: false,
    achSigned: false,
@@ -774,6 +774,97 @@
  flex: 1;
 }

+// Legal Approval documents -- its own card style (icon + status accent stripe) rather than the
+// plain .loi-kyc-card, since Legal Approval is a page most officers look at repeatedly right
+// before disbursement and benefits from a clearer, less generic-looking checklist.
+.loi-legal-doc-header {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 10px;
+  margin-bottom: 4px;
+}
+
+.loi-legal-doc-progress {
+  font-size: 11.5px;
+  font-weight: 700;
+  color: #64748b;
+  background: #f1f5f9;
+  padding: 3px 10px;
+  border-radius: 999px;
+}
+
+.loi-legal-doc-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
+  gap: 12px;
+  margin-bottom: 10px;
+}
+
+.loi-legal-doc-card {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+  padding: 12px 14px;
+  border: 1px solid #e2e8f0;
+  border-left: 4px solid #f59e0b;
+  border-radius: 10px;
+  background: #fff;
+  transition:
+    box-shadow 0.15s ease,
+    border-color 0.15s ease;
+
+  &:hover {
+    box-shadow: 0 3px 12px rgb(15 23 42 / 6%);
+  }
+
+  &--submitted {
+    border-left-color: #10b981;
+  }
+}
+
+.loi-legal-doc-title-row {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+}
+
+.loi-legal-doc-icon {
+  font-size: 18px;
+  line-height: 1.3;
+}
+
+.loi-legal-doc-title {
+  flex: 1;
+  font-size: 12.5px;
+  font-weight: 700;
+  color: #1e293b;
+  line-height: 1.35;
+}
+
+.loi-legal-doc-upload-btn {
+  font-size: 12px;
+}
+
+.loi-legal-doc-thumb-wrap {
+  display: flex;
+  align-items: center;
+  gap: 2px;
+}
+
+.loi-legal-doc-thumb-remove {
+  border: none;
+  background: none;
+  color: #94a3b8;
+  font-size: 12px;
+  cursor: pointer;
+  padding: 0 2px;
+
+  &:hover {
+    color: #dc2626;
+  }
+}
+
 // CIC Credit Bureau Hero Card in Stage detail
 .loi-cic-hero-card {
  display: flex;
@@ -116,6 +116,14 @@
    >
      Target vs Actual
    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'rates'"
+      (click)="setView('rates')"
+    >
+      Interest &amp; Share Rate Chart
+    </button>
  </div>

  <!-- ===================== PIPELINE ===================== -->
@@ -614,6 +622,103 @@
      </table>
    </div>
  }
+
+  <!-- ===================== INTEREST & SHARE RATE CHART ===================== -->
+  @if (activeView === 'rates') {
+    <div class="pg-card">
+      <div class="pos-section-label">Product-wise — Interest Rate &amp; Share Capital Required</div>
+      <p class="pg-sub npa-report-note">
+        Total Interest is an illustrative simple-interest figure (Amount x Rate x Tenure in years) at the product's own
+        min/max amount and tenure band — actual repayment is on a reducing balance and depends on the amount and tenure
+        chosen at sanction. Share Capital Required is the minimum a borrower must hold per bank bye-laws, proportional
+        to the loan amount.
+      </p>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Product</th>
+              <th>Type</th>
+              <th class="num">Amount Range</th>
+              <th class="num">Interest Rate (p.a.)</th>
+              <th class="num">Tenure Range</th>
+              <th class="num">Illustrative Total Interest</th>
+              <th class="num">Share Capital Required</th>
+              <th class="num">Illustrative Share Amount</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (p of products; track p.code) {
+              <tr>
+                <td>{{ p.name }}</td>
+                <td>
+                  <span
+                    class="loan-badge"
+                    [class.loan-badge--progress]="p.secured"
+                    [class.loan-badge--hold]="!p.secured"
+                  >
+                    {{ p.secured ? 'Secured' : 'Unsecured' }}
+                  </span>
+                </td>
+                <td class="num">₹{{ p.minAmt | number: '1.0-0' }} – ₹{{ p.maxAmt | number: '1.0-0' }}</td>
+                <td class="num">{{ p.minRate | number: '1.1-1' }}% – {{ p.maxRate | number: '1.1-1' }}%</td>
+                <td class="num">{{ p.minTenure }} – {{ p.maxTenure }} months</td>
+                <td class="num">
+                  ₹{{ illustrativeInterest(p.minAmt, p.minRate, p.minTenure) | number: '1.0-0' }} – ₹{{
+                    illustrativeInterest(p.maxAmt, p.maxRate, p.maxTenure) | number: '1.0-0'
+                  }}
+                </td>
+                <td class="num">{{ p.shareLinkagePercent | number: '1.1-1' }}%</td>
+                <td class="num">
+                  ₹{{ p.minAmt * (p.shareLinkagePercent / 100) | number: '1.0-0' }} – ₹{{
+                    p.maxAmt * (p.shareLinkagePercent / 100) | number: '1.0-0'
+                  }}
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Amount Slab-wise — Share Capital Required (All Products)</div>
+      <p class="pg-sub npa-report-note">
+        A general slab schedule by loan quantum, independent of product — where this differs from the product-wise
+        minimum above, whichever is higher governs the actual requirement.
+      </p>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th class="num">Loan Amount Slab</th>
+            <th class="num">Share Capital Required</th>
+            <th class="num">Illustrative Share Amount</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (row of shareLinkageSlabRows; track row.minAmt) {
+            <tr>
+              <td class="num">
+                @if (row.maxAmt !== null) {
+                  ₹{{ row.minAmt | number: '1.0-0' }} – ₹{{ row.maxAmt | number: '1.0-0' }}
+                } @else {
+                  Above ₹{{ row.minAmt | number: '1.0-0' }}
+                }
+              </td>
+              <td class="num">{{ row.sharePercent | number: '1.1-1' }}%</td>
+              <td class="num">
+                @if (row.shareAtMax !== null) {
+                  ₹{{ row.shareAtMin | number: '1.0-0' }} – ₹{{ row.shareAtMax | number: '1.0-0' }}
+                } @else {
+                  From ₹{{ row.shareAtMin | number: '1.0-0' }}
+                }
+              </td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+  }
 </div>

 <div class="inv-toast" [class.show]="toastVisible">{{ toastMsg }}</div>
@@ -29,6 +29,7 @@ import {
  PRODUCT_TARGET_PCT,
  PRODUCT_TYPE_LABELS,
  ProductType,
+  SHARE_LINKAGE_SLABS,
  STAGE_LABELS,
  STAGE_ORDER,
  STATUS_LABELS,
@@ -81,7 +82,17 @@ interface MixTargetRow {
  isRbiMandated: boolean;
 }

-type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target';
+interface AmountSlabRow {
+  minAmt: number;
+  maxAmt: number | null;
+  sharePercent: number;
+  /** Share Capital required at the slab's lower and upper bound, so the rupee amount is visible
+   *  without officers having to do the multiplication themselves. */
+  shareAtMin: number;
+  shareAtMax: number | null;
+}
+
+type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target' | 'rates';

 /**
 * Loan Origination pipeline — every application currently moving through the sanctioning
@@ -115,6 +126,7 @@ export class LoanPipelineComponent implements OnInit {
  readonly channelLabels = CHANNEL_LABELS;
  readonly branches = BRANCHES;
  readonly products = ORIGINATION_PRODUCTS;
+  readonly shareLinkageSlabs = SHARE_LINKAGE_SLABS;
  asOnDate = todayDDMMYYYY();

  activeView: ViewId = 'pipeline';
@@ -185,11 +197,20 @@ export class LoanPipelineComponent implements OnInit {
        'channel',
        'bc',
        'share',
-        'target'
+        'target',
+        'rates'
      ].includes(requestedView)) {
      this.activeView = requestedView;
    }

+    // Lets a menu link (e.g. "Loan Committee") land here pre-filtered to just the applications
+    // waiting on that one stage, reusing this same pipeline list/filter instead of a separate
+    // queue view -- same pattern as the `view` query param above.
+    const requestedStage = this.route.snapshot.queryParamMap.get('stage') as OriginationStage | null;
+    if (requestedStage && this.stageOrder.includes(requestedStage)) {
+      this.stageFilter = requestedStage;
+    }
+
    const creds = this.auth.getCredentials();
    this.isHeadOffice = this.auth.isHeadOfficeUser();
    this.currentOfficeName = creds?.officeName || 'Branch Office';
@@ -427,6 +448,22 @@ export class LoanPipelineComponent implements OnInit {
    });
  }

+  // -------------------- Interest & Share Linkage Reference --------------------
+  /** Illustrative total interest over the product's own tenure band, simple-interest approximation
+   *  (principal x rate x years) -- flagged as illustrative in the template since actual repayment
+   *  is on a reducing balance and varies by amount/tenure chosen at sanction. */
+  illustrativeInterest(amount: number, ratePct: number, tenureMonths: number): number {
+    return amount * (ratePct / 100) * (tenureMonths / 12);
+  }
+
+  get shareLinkageSlabRows(): AmountSlabRow[] {
+    return this.shareLinkageSlabs.map((slab) => ({
+      ...slab,
+      shareAtMin: slab.minAmt * (slab.sharePercent / 100),
+      shareAtMax: slab.maxAmt !== null ? slab.maxAmt * (slab.sharePercent / 100) : null
+    }));
+  }
+
  get channelTargetRows(): MixTargetRow[] {
    const total = this.disbursedInScope.reduce((s, a) => s + a.requestedAmount, 0);
    const channels: Channel[] = [