feat(loan-origination): RBI compliance checklist, real client integration, and CIC consent/charge flows

- Add standalone RBI Eligibility Checklist and RBI Rules Reference pages (11 real RBI-circular
  based rules: age-at-maturity, area of operation, PSL, director/related-party, wilful defaulter,
  exposure norms, LTV/margin, fair practices code, prepayment charges, own-shares security,
  insurance bundling), wired into the Loan Origination menu.
- Bridge the mock Loan Origination Pipeline to real Fineract data wherever an application is
  raised against a real Existing Customer: client search in the pipeline intake form, real Share
  Member accounts (with a details popup), and real KYC (Aadhaar/PAN verified status + masked
  numbers + document image view, generic document lookup for Income Proof/Bank Statement/
  Electricity Bill) on the Application Detail page.
- Add local-only capture UI for New Customer / no-account applications: front/back document
  images with crop + simulated Aadhaar OTP / PAN verification, employment-type-aware income proof,
  and an expiry-validated electricity bill upload.
- Add an EMI Calculation Basis breakdown (principal, rate, tenure, total interest/payable, and the
  substituted reducing-balance formula) to the KYC stage's income assessment.
- Add a CIC/Credit Bureau Check consent flow: a generated declaration letter (print for Branch,
  share for BC/Self-Apply), gated on the signed copy being uploaded before the credit score can be
  checked, plus a CIC check charge collected either by debiting a real linked account or via a
  mock payment-link flow for customers with none.
- Let the stage stepper jump directly to any already-reached stage (forward or backward) via a new
  furthestStageIndex, without losing any data already recorded on the application.

src/app/loan-origination/loan-origination-data.ts

@@ -108,6 +108,15 @@ export const CIC_BUREAUS: CicBureau[] = [
   'CRIF High Mark'
 ];
 
+/** What the bank recovers from the customer for pulling a bureau report — a flat pass-through
+ *  of the bureau's per-pull fee, same for every application regardless of loan size. */
+export const CIC_CHECK_CHARGE = 50;
+
+/** How the CIC check charge was collected from the customer -- debited from an account they
+ *  already hold with the bank (Existing Customer), or paid externally via a payment link
+ *  (no account exists yet for a New Customer). */
+export type CicChargeMode = 'ACCOUNT_DEBIT' | 'PAYMENT_LINK';
+
 export type DiscrepancyType =
   | 'NONE'
   | 'DOCUMENT_DISCREPANCY'
@@ -172,6 +181,10 @@ export interface LoanApplication {
   /** '—' unless channel === 'BC'. */
   bcAgentName: string;
   customerType: CustomerType;
+  /** Real Fineract client id -- only set when this application was raised against a client picked
+   *  via the Existing Customer search (see loan-pipeline.component.ts); null for every other
+   *  (dummy-data-generated or New Customer) application, which have no real backing client. */
+  clientId?: number | null;
 
   productCode: string;
   productName: string;
@@ -201,6 +214,25 @@ export interface LoanApplication {
   coBorrowerName: string;
 
   // CIC / Credit Bureau check — mandatory before sanction under the CICRA, 2005 framework.
+  /** RBI's Fair Practices Code requires the customer's informed consent before a credit bureau
+   *  pull -- true once the officer confirms the signed declaration letter has come back from
+   *  the customer, which is what actually unlocks the "Check Credit Score" action below. */
+  cicConsentSigned: boolean;
+  /** True once the CIC_CHECK_CHARGE has actually been collected -- via account debit for an
+   *  Existing Customer with a real linked account, or a confirmed payment-link reference
+   *  otherwise. Also gates "Check Credit Score", same as the consent declaration. */
+  cicChargeCollected: boolean;
+  cicChargeMode: CicChargeMode | null;
+  /** Which of the client's real savings/current accounts the charge was debited from --
+   *  e.g. "SB0012345 — Savings (Regular Savings)" -- kept as a display label since this mock
+   *  pipeline never posts a real Fineract transaction. */
+  cicChargeAccountLabel: string;
+  /** A mock payment-gateway link generated for a customer with no bank account yet -- this
+   *  pipeline is entirely dummy data, so nothing is actually charged; the link is illustrative
+   *  of the real-world flow (generate link → share with customer → they pay → officer records
+   *  the reference they get back). */
+  cicPaymentLinkUrl: string;
+  cicPaymentReference: string;
   cicBureau: CicBureau;
   cibilScore: number;
   cicReportUploaded: boolean;
@@ -273,6 +305,10 @@ export interface LoanApplication {
   emiActivationDate: string;
 
   currentStage: OriginationStage;
+  /** The furthest stage this application has ever reached, as a STAGE_ORDER index -- kept
+   *  separate from `currentStage` so jumping back to an earlier stage for review (or forward
+   *  again afterwards) doesn't make the stepper forget how far the application actually got. */
+  furthestStageIndex: number;
   overallStatus: OverallStatus;
   stageHistory: StageHistoryEntry[];
 }
@@ -697,6 +733,12 @@ function generateApplications(count: number): LoanApplication[] {
       eligibleLoanAmount,
       coBorrowerRequired: eligibleLoanAmount < requestedAmount,
       coBorrowerName: '—',
+      cicConsentSigned: false,
+      cicChargeCollected: false,
+      cicChargeMode: null,
+      cicChargeAccountLabel: '—',
+      cicPaymentLinkUrl: '—',
+      cicPaymentReference: '—',
       cicBureau: pick(CIC_BUREAUS),
       cibilScore,
       cicReportUploaded: false,
@@ -747,6 +789,7 @@ function generateApplications(count: number): LoanApplication[] {
       emiActivationConfirmed: false,
       emiActivationDate: '—',
       currentStage: 'APPLICATION',
+      furthestStageIndex: 0,
       overallStatus: 'IN_PROGRESS',
       stageHistory: []
     };
@@ -808,6 +851,11 @@ function generateApplications(count: number): LoanApplication[] {
           break;
 
         case 'CIC_CHECK':
+          app.cicConsentSigned = true;
+          app.cicChargeCollected = true;
+          app.cicChargeMode = app.customerType === 'EXISTING' ? 'ACCOUNT_DEBIT' : 'PAYMENT_LINK';
+          app.cicChargeAccountLabel = app.customerType === 'EXISTING' ? 'Existing account on file' : '—';
+          app.cicPaymentReference = app.customerType === 'EXISTING' ? '—' : `PAY-${app.applicationNo}`;
           app.cicReportUploaded = true;
           app.cicReportFileName = `${app.cicBureau.replace(/\s+/g, '')}_${app.applicationNo}.pdf`;
           app.cicUploadDate = fmt(cursor);
@@ -1063,6 +1111,7 @@ function generateApplications(count: number): LoanApplication[] {
     }
 
     app.currentStage = STAGE_ORDER[bucket.atStage];
+    app.furthestStageIndex = bucket.atStage;
     app.overallStatus = bucket.outcome;
     apps.push(app);
   }
@@ -1083,6 +1132,14 @@ function recordStageProgress(app: LoanApplication, actionBy: string, outcome: st
   app.stageHistory.push({ stage: app.currentStage, date: todayDDMMYYYY(), actionBy, outcome, remarks });
 }
 
+/** Moves `currentStage` forward and keeps `furthestStageIndex` in sync with it -- the one place
+ *  every genuine forward move goes through, so the stepper never forgets how far the application
+ *  actually got even after `moveToStage` below sends it back for a correction. */
+function advanceStage(app: LoanApplication, newStage: OriginationStage): void {
+  app.currentStage = newStage;
+  app.furthestStageIndex = Math.max(app.furthestStageIndex, stageIndex(newStage));
+}
+
 /** Generic "this stage is done, move to the next one" action — used by every stage that doesn't
  *  carry its own ApprovalRecord (Application, KYC, CIC, Field Investigation, Customer Signing,
  *  Cheque/ACH). */
@@ -1090,10 +1147,33 @@ export function proceedToNextStage(app: LoanApplication, actionBy: string, remar
   recordStageProgress(app, actionBy, 'Completed', remarks);
   const next = nextStage(app.currentStage);
   if (next) {
-    app.currentStage = next;
+    advanceStage(app, next);
   }
 }
 
+/** Lets an officer correct course -- jump the application straight to any stage it has already
+ *  reached (clicking that stage's dot in the stepper), whether that stage is currently behind or
+ *  ahead of `currentStage`. Only `currentStage` moves; every checkbox, upload, score and approval
+ *  already recorded on the application is left exactly as it was, so nothing has to be re-entered
+ *  after a correction, and jumping back then forward again doesn't lose the spot the application
+ *  was actually at -- `furthestStageIndex` is deliberately left untouched here. Refuses to move
+ *  to a stage the application has never actually reached, so this can never be used to skip
+ *  ahead into unfinished territory. */
+export function moveToStage(app: LoanApplication, stage: OriginationStage, actionBy: string): void {
+  const targetIdx = stageIndex(stage);
+  if (targetIdx < 0 || targetIdx > app.furthestStageIndex || stage === app.currentStage) {
+    return;
+  }
+  const goingBack = targetIdx < stageIndex(app.currentStage);
+  recordStageProgress(
+    app,
+    actionBy,
+    goingBack ? 'Sent Back' : 'Returned',
+    `${goingBack ? 'Sent back' : 'Returned'} to "${STAGE_LABELS[stage]}" for review/correction.`
+  );
+  app.currentStage = stage;
+}
+
 export function flagDiscrepancy(app: LoanApplication, type: DiscrepancyType, actionBy: string, notes: string): void {
   app.discrepancyType = type;
   app.personalDiscussionDate = todayDDMMYYYY();
@@ -1143,7 +1223,7 @@ export function decideApproval(
   recordStageProgress(app, approverName, APPROVAL_LABELS[decision], remarks);
   const next = nextStage(app.currentStage);
   if (next) {
-    app.currentStage = next;
+    advanceStage(app, next);
   }
 }
 
@@ -1341,6 +1421,7 @@ export interface NewApplicationInput {
   bcAgentName: string;
   customerType: CustomerType;
   applicantName: string;
+  clientId?: number | null;
   branchCode: string;
   branchName: string;
   productCode: string;
@@ -1363,6 +1444,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     channel: input.channel,
     bcAgentName: input.channel === 'BC' ? input.bcAgentName : '—',
     customerType: input.customerType,
+    clientId: input.clientId ?? null,
     productCode: input.productCode,
     productName: input.productName,
     secured: input.secured,
@@ -1384,6 +1466,12 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     eligibleLoanAmount: 0,
     coBorrowerRequired: false,
     coBorrowerName: '—',
+    cicConsentSigned: false,
+    cicChargeCollected: false,
+    cicChargeMode: null,
+    cicChargeAccountLabel: '—',
+    cicPaymentLinkUrl: '—',
+    cicPaymentReference: '—',
     cicBureau: 'CIBIL',
     cibilScore: 0,
     cicReportUploaded: false,
@@ -1434,6 +1522,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     emiActivationConfirmed: false,
     emiActivationDate: '—',
     currentStage: 'APPLICATION',
+    furthestStageIndex: 0,
     overallStatus: 'IN_PROGRESS',
     stageHistory: [
       {