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-routing.module.ts

@@ -12,6 +12,8 @@ import { Routes, RouterModule } from '@angular/router';
 import { Route } from '../core/route/route.service';
 import { LoanPipelineComponent } from './loan-pipeline/loan-pipeline.component';
 import { ApplicationDetailComponent } from './application-detail/application-detail.component';
+import { LoanEligibilityChecklistComponent } from './loan-eligibility-checklist/loan-eligibility-checklist.component';
+import { RbiRulesReferenceComponent } from './rbi-rules-reference/rbi-rules-reference.component';
 
 const routes: Routes = [
   Route.withShell([
@@ -33,6 +35,16 @@ const routes: Routes = [
           path: 'application/:applicationNo',
           component: ApplicationDetailComponent,
           data: { title: 'Loan Application', breadcrumb: 'Application' }
+        },
+        {
+          path: 'eligibility-checklist',
+          component: LoanEligibilityChecklistComponent,
+          data: { title: 'RBI Eligibility Checklist', breadcrumb: 'RBI Eligibility Checklist' }
+        },
+        {
+          path: 'rbi-rules-reference',
+          component: RbiRulesReferenceComponent,
+          data: { title: 'RBI Compliance Rules', breadcrumb: 'RBI Rules Reference' }
         }
       ]
     }