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
@@ -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[] = [