feat(clients, alm): add CIN/MCA verification & authorized signatories tab; refactor ALM report print and export

src/app/clients/client-stepper/client-general-step/client-general-step.component.html

@@ -136,7 +136,14 @@
                 | translate
             }}
           </mat-label>
-          <input matInput required formControlName="fullname" autocomplete="off" />
+          <input
+            matInput
+            required
+            formControlName="fullname"
+            autocomplete="off"
+            (blur)="capitalizeControl('fullname')"
+            style="text-transform: capitalize"
+          />
           @if (createClientForm.controls.fullname.hasError('required')) {
             <mat-error>Client name is <strong>required</strong></mat-error>
           } @else if (createClientForm.controls.fullname.hasError('pattern')) {
@@ -151,7 +158,9 @@
           <div class="full-name-row full-width">
             <div class="full-name-preview">
               <span class="full-name-label">Entity Name:</span>
-              <span class="full-name-value">{{ createClientForm.get('fullname')?.value }}</span>
+              <span class="full-name-value" style="text-transform: capitalize">{{
+                createClientForm.get('fullname')?.value
+              }}</span>
             </div>
             <div class="verify-inline">
               @if (!sanctionsVerified && !sanctionsBlocked) {
@@ -214,7 +223,14 @@
             <mat-form-field appearance="outline" class="name-field first-name">
               <mat-label>{{ 'labels.inputs.First Name' | translate }}</mat-label>
               <span matPrefix class="field-prefix-icon"><mat-icon>badge</mat-icon></span>
-              <input matInput required formControlName="firstname" autocomplete="off" />
+              <input
+                matInput
+                required
+                formControlName="firstname"
+                autocomplete="off"
+                (blur)="capitalizeControl('firstname')"
+                style="text-transform: capitalize"
+              />
               @if (createClientForm.controls.firstname.hasError('required')) {
                 <mat-error>First name is <strong>required</strong></mat-error>
               } @else if (createClientForm.controls.firstname.hasError('pattern')) {
@@ -228,7 +244,13 @@
             <mat-form-field appearance="outline" class="name-field middle-name">
               <mat-label>{{ 'labels.inputs.Middle Name' | translate }}</mat-label>
               <span matPrefix class="field-prefix-icon"><mat-icon>person_outline</mat-icon></span>
-              <input matInput formControlName="middlename" autocomplete="off" />
+              <input
+                matInput
+                formControlName="middlename"
+                autocomplete="off"
+                (blur)="capitalizeControl('middlename')"
+                style="text-transform: capitalize"
+              />
               @if (
                 createClientForm.controls.middlename?.hasError('pattern') &&
                 createClientForm.controls.middlename?.touched
@@ -241,7 +263,14 @@
             <mat-form-field appearance="outline" class="name-field last-name">
               <mat-label>{{ 'labels.inputs.Last Name' | translate }}</mat-label>
               <span matPrefix class="field-prefix-icon"><mat-icon>person</mat-icon></span>
-              <input matInput required formControlName="lastname" autocomplete="off" />
+              <input
+                matInput
+                required
+                formControlName="lastname"
+                autocomplete="off"
+                (blur)="capitalizeControl('lastname')"
+                style="text-transform: capitalize"
+              />
               @if (createClientForm.controls.lastname.hasError('required')) {
                 <mat-error>Last name is <strong>required</strong></mat-error>
               } @else if (createClientForm.controls.lastname.hasError('pattern')) {
@@ -694,6 +723,9 @@
           }
         </mat-form-field>
 
+        <!-- Date of Incorporation is captured on the KYC step, next to the entity PAN it is
+             verified against — see client-kyc-step's `incorporationDate` control. -->
+
         <!-- Authorized Signatories (multiple, registered clients) -->
         <div class="form-field full-width signatory-section">
           <h4 class="section-title signatory-title">
@@ -1148,6 +1180,79 @@
     </div>
   }
 
+  <!--
+    Section: Turnover & Risk (Non-Individual only)
+
+    An entity has no salary to declare, so the individual Financial & Classification section below
+    never applied to it — which left a company with no turnover on file at all, and its risk stuck
+    on the flat entity default. Turnover is the size signal the branch actually has at onboarding,
+    so it is captured here and the risk band it produces is shown right beside it: the officer sees
+    the grade move as they type, instead of first meeting it on the KYC tab.
+  -->
+  @if (createClientForm.get('legalFormId')?.value === LegalFormId.ENTITY) {
+    <div class="section-block">
+      <h4 class="section-title">
+        <fa-icon icon="chart-line" class="section-icon"></fa-icon>
+        Turnover &amp; Risk Profile
+      </h4>
+      <div class="form-grid">
+        <mat-form-field appearance="outline" class="form-field">
+          <mat-label>Monthly Turnover</mat-label>
+          <span matPrefix class="rupee-prefix">&#8377;</span>
+          <input matInput type="number" formControlName="monthlyTurnover" min="0" />
+          <mat-hint>Yearly turnover fills in automatically (× 12)</mat-hint>
+          @if (
+            createClientForm.get('monthlyTurnover')?.hasError('pattern') &&
+            createClientForm.get('monthlyTurnover')?.touched
+          ) {
+            <mat-error>Enter a valid amount</mat-error>
+          } @else if (
+            createClientForm.get('monthlyTurnover')?.hasError('min') && createClientForm.get('monthlyTurnover')?.touched
+          ) {
+            <mat-error>Amount cannot be negative</mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="form-field">
+          <mat-label>Annual Turnover</mat-label>
+          <span matPrefix class="rupee-prefix">&#8377;</span>
+          <input matInput type="number" formControlName="annualTurnover" min="0" />
+          <mat-hint>Drives the risk grade below</mat-hint>
+          @if (
+            createClientForm.get('annualTurnover')?.hasError('pattern') &&
+            createClientForm.get('annualTurnover')?.touched
+          ) {
+            <mat-error>Enter a valid amount</mat-error>
+          } @else if (
+            createClientForm.get('annualTurnover')?.hasError('min') && createClientForm.get('annualTurnover')?.touched
+          ) {
+            <mat-error>Amount cannot be negative</mat-error>
+          }
+        </mat-form-field>
+
+        <div
+          class="full-width entity-risk-card"
+          [class.entity-risk-card--low]="entityTurnoverRisk.category === 1"
+          [class.entity-risk-card--medium]="entityTurnoverRisk.category === 2"
+          [class.entity-risk-card--high]="entityTurnoverRisk.category === 3"
+        >
+          <div class="entity-risk-card__head">
+            <fa-icon icon="shield-alt" class="entity-risk-card__icon"></fa-icon>
+            <span class="entity-risk-card__title">Auto-calculated Risk Category</span>
+            <span class="entity-risk-card__badge">{{ riskCategoryLabel(entityTurnoverRisk.category) }}</span>
+          </div>
+          <p class="entity-risk-card__reason">{{ entityTurnoverRisk.reason }}</p>
+          <p class="entity-risk-card__scale">
+            Up to ₹1 crore — Low &nbsp;·&nbsp; ₹1 crore to ₹10 crore — Medium &nbsp;·&nbsp; Above ₹10 crore — High
+          </p>
+          <p class="entity-risk-card__note">
+            Carried into the KYC tab, where it can still be overridden with a recorded reason.
+          </p>
+        </div>
+      </div>
+    </div>
+  }
+
   <!-- Section: Financial & Classification (Individual only) -->
   @if (createClientForm.get('legalFormId')?.value === LegalFormId.PERSON) {
     <div class="section-block">

src/app/clients/client-stepper/client-general-step/client-general-step.component.scss

@@ -56,6 +56,103 @@ form {
   grid-column: 1 / -1;
 }
 
+/* Live risk grade beside the entity's turnover fields. Neutral by default; the accent tracks the
+   band so a jump from Medium to High is visible without reading the sentence. */
+.entity-risk-card {
+  margin: 4px 0 12px;
+  padding: 12px 14px;
+  border-radius: 10px;
+  background: #f8fafc;
+  border: 1px solid #e2e8f0;
+  border-left: 4px solid #94a3b8;
+
+  &__head {
+    display: flex;
+    align-items: center;
+    gap: 8px;
+  }
+
+  &__icon {
+    color: #64748b;
+  }
+
+  &__title {
+    font-size: 13px;
+    font-weight: 600;
+    color: #1e293b;
+  }
+
+  &__badge {
+    margin-left: auto;
+    padding: 2px 10px;
+    border-radius: 999px;
+    font-size: 11px;
+    font-weight: 700;
+    letter-spacing: 0.3px;
+    text-transform: uppercase;
+    background: #e2e8f0;
+    color: #334155;
+  }
+
+  &__reason {
+    margin: 8px 0 0;
+    font-size: 13px;
+    color: #334155;
+  }
+
+  &__scale,
+  &__note {
+    margin: 4px 0 0;
+    font-size: 11px;
+    color: #64748b;
+  }
+
+  &--low {
+    background: #f0fdf4;
+    border-color: #bbf7d0;
+    border-left-color: #16a34a;
+
+    .entity-risk-card__icon {
+      color: #16a34a;
+    }
+
+    .entity-risk-card__badge {
+      background: #dcfce7;
+      color: #15803d;
+    }
+  }
+
+  &--medium {
+    background: #fffbeb;
+    border-color: #fde68a;
+    border-left-color: #d97706;
+
+    .entity-risk-card__icon {
+      color: #d97706;
+    }
+
+    .entity-risk-card__badge {
+      background: #fef3c7;
+      color: #b45309;
+    }
+  }
+
+  &--high {
+    background: #fef2f2;
+    border-color: #fecaca;
+    border-left-color: #dc2626;
+
+    .entity-risk-card__icon {
+      color: #dc2626;
+    }
+
+    .entity-risk-card__badge {
+      background: #fee2e2;
+      color: #b91c1c;
+    }
+  }
+}
+
 .senior-citizen-auto-note {
   display: flex;
   align-items: center;

src/app/clients/client-stepper/client-general-step/client-general-step.component.ts

@@ -32,6 +32,7 @@ import { filter, switchMap, takeUntil } from 'rxjs/operators';
 import { ClientsService } from 'app/clients/clients.service';
 import { Dates } from 'app/core/utils/dates';
 import { LegalFormId } from 'app/clients/models/legal-form.enum';
+import { toProperNameCase } from 'app/clients/utils/name-case.util';
 import { ExternalNationalIdService } from 'app/clients/services/external-national-id.service';
 
 /** Custom Services */
@@ -654,6 +655,11 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     if (this.createClientForm.get('guardianDetails')) {
       this.createClientForm.removeControl('guardianDetails');
     }
+    // Same reasoning as the guardian above: the reused component instance would otherwise carry the
+    // previous entity's authorized signatories into a brand new client.
+    this.signatories = [];
+    this.signatorySearchText = '';
+    this.signatorySearchResults = [];
     // Verification state must not carry over — a previous client's cleared sanctions
     // screening or verified OTP must not silently apply to a different new client.
     this.mobileVerified = false;
@@ -777,8 +783,13 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
           incorpNumber: data.clientNonPersonDetails.incorpNumber || '',
           remarks: data.clientNonPersonDetails.remarks || '',
           authorizedSignatory: data.clientNonPersonDetails.authorizedSignatory || '',
+          authorizedSignatoryClientIds: data.clientNonPersonDetails.authorizedSignatoryClientIds || '',
           additionalInfo: data.clientNonPersonDetails.additionalInfo || ''
         });
+        this.restoreSignatories(
+          data.clientNonPersonDetails.authorizedSignatoryClientIds,
+          data.clientNonPersonDetails.authorizedSignatory
+        );
       }
     }
 
@@ -971,7 +982,8 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
 
   /**
    * Auto-calculates turnover based on income (doubling monthly income for monthly turnover,
-   * and annual income for annual/yearly turnover).
+   * and annual income for annual/yearly turnover), but only if the turnover fields
+   * have not been manually modified or cleared.
    */
   private linkIncomeToTurnover(): void {
     const monthlyIncome = this.createClientForm.get('monthlyIncome');
@@ -979,23 +991,33 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     const annualIncome = this.createClientForm.get('annualIncome');
     const annualTurnover = this.createClientForm.get('annualTurnover');
 
-    if (monthlyIncome && monthlyTurnover) {
+    const isEmpty = (val: any) => val === '' || val === null || val === undefined;
+
+    if (monthlyIncome && monthlyTurnover && annualTurnover) {
       monthlyIncome.valueChanges.subscribe((value) => {
         if (this.suppressMonthlyAnnualLink) {
           return;
         }
-        const num = parseFloat(value);
-        monthlyTurnover.setValue(!isNaN(num) && num >= 0 ? this.round2(num * 2) : '', { emitEvent: true });
+        const isPristine = monthlyTurnover.pristine && annualTurnover.pristine;
+        const isTurnoverEmpty = isEmpty(monthlyTurnover.value) && isEmpty(annualTurnover.value);
+        if (isPristine || isTurnoverEmpty) {
+          const num = parseFloat(value);
+          monthlyTurnover.setValue(!isNaN(num) && num >= 0 ? this.round2(num * 2) : '', { emitEvent: true });
+        }
       });
     }
 
-    if (annualIncome && annualTurnover) {
+    if (annualIncome && annualTurnover && monthlyTurnover) {
       annualIncome.valueChanges.subscribe((value) => {
         if (this.suppressMonthlyAnnualLink) {
           return;
         }
-        const num = parseFloat(value);
-        annualTurnover.setValue(!isNaN(num) && num >= 0 ? this.round2(num * 2) : '', { emitEvent: true });
+        const isPristine = monthlyTurnover.pristine && annualTurnover.pristine;
+        const isTurnoverEmpty = isEmpty(monthlyTurnover.value) && isEmpty(annualTurnover.value);
+        if (isPristine || isTurnoverEmpty) {
+          const num = parseFloat(value);
+          annualTurnover.setValue(!isNaN(num) && num >= 0 ? this.round2(num * 2) : '', { emitEvent: true });
+        }
       });
     }
   }
@@ -1122,6 +1144,10 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
               mainBusinessLineId: [''],
               incorpNumber: [''],
               authorizedSignatory: [''],
+              // Client ids behind the names above, in the same order — what lets an edit rebuild the
+              // signatory rows with their client links and PAN/DIN state. No input is bound to it;
+              // syncSignatoryNames() keeps it in step with the chips.
+              authorizedSignatoryClientIds: [''],
               additionalInfo: [''],
               remarks: ['']
             })
@@ -1343,6 +1369,17 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     this.removeGuardian();
   }
 
+  capitalizeControl(controlName: string) {
+    const control = this.createClientForm.get(controlName);
+    if (control && control.value) {
+      const originalValue = control.value;
+      const capitalized = toProperNameCase(originalValue);
+      if (originalValue !== capitalized) {
+        control.setValue(capitalized);
+      }
+    }
+  }
+
   /**
    * Verify client name against sanctions lists via dialog.
    * Passes the client name to the dialog for real API screening.
@@ -1467,6 +1504,11 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
         target.mobileNo = data.mobileNo || null;
         target.emailAddress = data.emailAddress || null;
         target.officeName = data.officeName || null;
+        // Filled in only when the caller has not supplied them. A signatory restored from stored
+        // ids starts as a bare { id } and needs both to render its row; one picked from the search
+        // dropdown already carries them, and a guardian must keep whatever it was given.
+        target.displayName = target.displayName || data.displayName;
+        target.status = target.status || data.status;
         target._loading = false;
       },
       error: () => {
@@ -1480,6 +1522,10 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
         target.panVerified = kyc?.panVerified || false;
         target.aadhaarMasked = kyc?.aadhaarNumberMasked || '-';
         target.aadhaarVerified = kyc?.aadhaarVerified || false;
+        // Same reasoning as above: a DIN verified in an earlier session lives on the signatory's own
+        // KYC record, so re-reading it here is what stops the edit screen asking for it again.
+        target.dinNumber = target.dinNumber || kyc?.dinNumber || '';
+        target.dinVerified = target.dinVerified || kyc?.dinVerified || false;
       },
       error: () => {
         target.panNumber = '-';
@@ -1678,9 +1724,49 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     });
   }
 
+  /**
+   * Rebuilds the authorized-signatory rows when an existing entity client is opened for edit.
+   *
+   * Driven by the stored client ids rather than the stored names: the ids are what make each row a
+   * real client again, so its CIF, PAN and DIN verification can be re-read instead of the officer
+   * having to re-add and re-verify signatories that were already recorded. The saved names are used
+   * only as the label until the lookup returns, and as the fallback for a client that can no longer
+   * be fetched, so a row is never silently dropped.
+   *
+   * Clients created before the ids were stored have names but no ids; those still list, as
+   * name-only rows, rather than showing nothing at all.
+   */
+  private restoreSignatories(storedIds: string | null | undefined, storedNames: string | null | undefined): void {
+    const ids = (storedIds || '')
+      .split(',')
+      .map((id: string) => id.trim())
+      .filter(Boolean);
+    const names = (storedNames || '')
+      .split(',')
+      .map((name: string) => name.trim())
+      .filter(Boolean);
+
+    if (!ids.length) {
+      this.signatories = names.map((displayName: string) => ({ displayName }));
+      return;
+    }
+
+    this.signatories = ids.map((id: string, index: number) => ({
+      id: Number(id),
+      displayName: names[index] || '',
+      _loading: true
+    }));
+    this.signatories.forEach((sig: any) => this.fetchClientFullDetails(sig.id, sig));
+  }
+
   private syncSignatoryNames(): void {
     const names = this.signatories.map((s) => s.displayName).join(', ');
-    this.createClientForm.get('clientNonPersonDetails')?.patchValue({ authorizedSignatory: names });
+    // Ids are written in the same order as the names, so the two columns line up on reload.
+    const clientIds = this.signatories.map((s) => s.id).join(',');
+    this.createClientForm.get('clientNonPersonDetails')?.patchValue({
+      authorizedSignatory: names,
+      authorizedSignatoryClientIds: clientIds
+    });
   }
 
   /** Watch MSME turnover & investment for auto-classification */
@@ -2164,6 +2250,12 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
         delete generalDetails[key];
       }
     }
+    // Entity name is normalised here as well as on blur: a pasted/auto-filled value, or one the
+    // user never blurred out of before submitting, would otherwise reach Fineract exactly as typed.
+    if (generalDetails.fullname) {
+      generalDetails.fullname = toProperNameCase(generalDetails.fullname);
+    }
+
     if (generalDetails.submittedOnDate instanceof Date) {
       generalDetails.submittedOnDate = this.dateUtils.formatDate(generalDetails.submittedOnDate, dateFormat);
     }
@@ -2233,15 +2325,86 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     ];
     unsupportedFields.forEach((f) => delete generalDetails[f]);
 
-    // Format dateOfRegistration if present
-    if (generalDetails.clientNonPersonDetails?.dateOfRegistration instanceof Date) {
-      generalDetails.clientNonPersonDetails.dateOfRegistration = this.dateUtils.formatDate(
-        generalDetails.clientNonPersonDetails.dateOfRegistration,
-        dateFormat
-      );
+    return generalDetails;
+  }
+
+  /**
+   * Turnover ladder that decides an entity's risk when no configured risk rule matches it.
+   *
+   * A company's size is the one thing about it the branch always knows at onboarding, and the
+   * bigger the book the more exposure it carries — so the band moves up with annual turnover
+   * instead of every entity landing on a flat Medium regardless of whether it turns over ten lakh
+   * or a hundred crore. Thresholds follow the MSME-style split the business already thinks in
+   * (crores), and are only a fallback: a rule configured in m_client_risk_rule with
+   * minAnnualTurnover / maxAnnualTurnover still wins, which is where a bank sets its own numbers.
+   *
+   * Amounts are in rupees. `upTo: null` is the open-ended top band.
+   */
+  private static readonly ENTITY_TURNOVER_RISK_BANDS: { upTo: number | null; category: number; label: string }[] = [
+    { upTo: 10000000, category: 1, label: 'up to ₹1 crore' },
+    { upTo: 100000000, category: 2, label: '₹1 crore to ₹10 crore' },
+    { upTo: null, category: 3, label: 'above ₹10 crore' }
+  ];
+
+  /** "Low Risk" / "Medium Risk" / "High Risk" for a category id. */
+  riskCategoryLabel(category: number): string {
+    if (category === 3) {
+      return 'High Risk';
+    }
+    return category === 2 ? 'Medium Risk' : 'Low Risk';
+  }
+
+  /**
+   * Entity risk from annual turnover, for the fallback path only.
+   *
+   * AML is deliberately left CLEAR even in the top band. A configured High-risk rule defaults to
+   * FLAGGED because someone decided that case warrants it; turnover on its own is a size signal,
+   * not a suspicion, and auto-flagging every large company would put them all in the AML queue.
+   */
+  private entityRiskFromTurnover(annualTurnover: number): {
+    category: number;
+    reason: string;
+    amlCheckStatus: string;
+    bannedEntityMatch: string;
+    willfulDefaulter: string;
+    ecgcSalFlag: string;
+    dormantFlag: string;
+  } {
+    const base = {
+      amlCheckStatus: 'CLEAR',
+      bannedEntityMatch: 'NO',
+      willfulDefaulter: 'NO',
+      ecgcSalFlag: 'NO',
+      dormantFlag: 'ACTIVE'
+    };
+
+    // Nothing captured yet — the entity default stands until a turnover is entered.
+    if (!annualTurnover || annualTurnover <= 0) {
+      return {
+        category: 2,
+        reason: 'Non-Individual / Entity profile (Default Medium Risk)',
+        ...base
+      };
     }
 
-    return generalDetails;
+    const band =
+      ClientGeneralStepComponent.ENTITY_TURNOVER_RISK_BANDS.find((b) => b.upTo == null || annualTurnover <= b.upTo) ??
+      ClientGeneralStepComponent.ENTITY_TURNOVER_RISK_BANDS[
+        ClientGeneralStepComponent.ENTITY_TURNOVER_RISK_BANDS.length - 1
+      ];
+
+    return {
+      category: band.category,
+      reason: `Annual turnover ₹${annualTurnover.toLocaleString('en-IN')} — ${band.label} (${this.riskCategoryLabel(
+        band.category
+      )})`,
+      ...base
+    };
+  }
+
+  /** Live risk band for the entity turnover card in the General step. */
+  get entityTurnoverRisk(): { category: number; reason: string } {
+    return this.calculatedRisk;
   }
 
   get calculatedRisk(): {
@@ -2338,15 +2501,7 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
 
     // Default Fallbacks
     if (legalFormId !== LegalFormId.PERSON) {
-      return {
-        category: 2,
-        reason: 'Non-Individual / Entity profile (Default Medium Risk)',
-        amlCheckStatus: 'CLEAR',
-        bannedEntityMatch: 'NO',
-        willfulDefaulter: 'NO',
-        ecgcSalFlag: 'NO',
-        dormantFlag: 'ACTIVE'
-      };
+      return this.entityRiskFromTurnover(annualTurnover);
     }
     return {
       category: 1,