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.
This commit is contained in:
@@ -59,6 +59,18 @@
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color: #15803d;
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border: 1px solid #bbf7d0;
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}
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&--verified {
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background: #f0fdf4;
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color: #15803d;
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border: 1px solid #bbf7d0;
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}
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&--missing {
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background: #fffbeb;
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color: #b45309;
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border: 1px solid #fde68a;
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}
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}
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.pg-btn--success {
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@@ -320,3 +332,339 @@
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color: #94a3b8;
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}
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}
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// New Application intake — existing-customer search (real Fineract client lookup, dropped into
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// this otherwise fully mock/dummy-data pipeline screen).
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.loi-selected-client {
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display: flex;
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align-items: center;
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justify-content: space-between;
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gap: 8px;
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padding: 8px 10px;
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border: 1px solid #e2e8f0;
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border-radius: 6px;
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background: #f8fafc;
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font-weight: 600;
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font-size: 13.5px;
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}
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.loi-search-hint {
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color: #94a3b8;
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font-size: 12.5px;
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margin: -8px 0 12px;
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}
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.loi-search-results {
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border: 1px solid #e2e8f0;
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border-radius: 8px;
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overflow: hidden;
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max-width: 480px;
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margin-bottom: 16px;
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}
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.loi-search-row {
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display: flex;
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justify-content: space-between;
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align-items: center;
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width: 100%;
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padding: 10px 14px;
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background: #fff;
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border: none;
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border-bottom: 1px solid #f1f5f9;
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text-align: left;
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cursor: pointer;
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font: inherit;
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&:last-child {
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border-bottom: none;
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}
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&:hover {
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background: #f8fafc;
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}
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}
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.loi-search-name {
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font-weight: 600;
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color: #0f172a;
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}
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.loi-search-meta {
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color: #94a3b8;
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font-size: 12.5px;
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}
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// Application Detail — real share-account chips (clickable, opens the details popup)
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.loi-share-account-list {
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display: flex;
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flex-wrap: wrap;
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gap: 6px;
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}
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.loi-share-account-chip {
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display: inline-block;
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padding: 4px 12px;
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border-radius: 999px;
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background: #dcfce7;
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color: #166534;
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font-size: 12.5px;
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font-weight: 600;
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border: none;
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cursor: pointer;
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&:hover {
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background: #bbf7d0;
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}
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}
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// Application Detail — KYC & Documents: real verified-status cards (existing client) and the
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// local-only capture UI (no linked real client) both lay out as a compact card grid instead of
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// one long stacked column, so a 6-7 item checklist reads as a glanceable board, not a scroll.
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.loi-kyc-doc-grid {
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display: grid;
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grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
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gap: 10px;
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margin-bottom: 10px;
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}
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.loi-kyc-card {
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display: flex;
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flex-direction: column;
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gap: 6px;
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padding: 10px 12px;
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border: 1px solid #e2e8f0;
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border-radius: 10px;
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background: #fff;
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// Cards holding nothing but a single checkbox item (e-KYC fingerprint, secured-loan property
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// proofs) would otherwise look like empty boxes next to the document cards -- centering the
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// one line vertically makes the shorter card read as intentional, not unfinished.
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&--checkbox {
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justify-content: center;
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min-height: 46px;
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}
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// Compact everything inside a card -- the section-wide .pg-btn/.inv-form-field sizes are tuned
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// for full-width action rows elsewhere on this page, and read oversized packed into a card.
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.pg-btn {
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padding: 4px 10px;
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font-size: 12px;
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min-height: 30px;
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}
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.inv-form-field {
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gap: 2px;
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span {
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font-size: 11px;
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}
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}
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select {
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height: 30px;
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font-size: 12.5px;
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}
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// stylelint-disable-next-line selector-no-qualifying-type
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input[type='date'] {
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height: 30px;
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font-size: 12.5px;
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}
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}
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.loi-kyc-card-title {
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font-size: 11px;
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font-weight: 700;
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text-transform: uppercase;
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letter-spacing: 0.05em;
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color: #64748b;
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}
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.loi-kyc-row {
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display: flex;
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align-items: center;
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gap: 8px;
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flex-wrap: wrap;
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}
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.loi-kyc-masked {
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font-variant-numeric: tabular-nums;
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font-family: 'Courier New', monospace;
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color: #475569;
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font-size: 12.5px;
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}
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.loi-kyc-card-files {
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display: flex;
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gap: 6px;
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flex-wrap: wrap;
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}
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// Thumbnail(s) of whatever was just uploaded -- clicking one opens the full file in
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// DocumentPreviewDialogComponent, straight from the in-memory File (nothing is uploaded
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// anywhere yet in this local-only capture UI).
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.loi-kyc-thumbs {
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display: flex;
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gap: 6px;
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flex-wrap: wrap;
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}
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.loi-kyc-thumb {
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width: 56px;
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height: 56px;
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padding: 0;
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border: 1px solid #e2e8f0;
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border-radius: 6px;
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background: #f8fafc;
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overflow: hidden;
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cursor: pointer;
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display: flex;
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align-items: center;
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justify-content: center;
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flex-shrink: 0;
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&:hover {
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border-color: #94a3b8;
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}
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img {
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width: 100%;
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height: 100%;
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object-fit: cover;
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}
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}
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.loi-kyc-thumb-label {
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font-size: 9.5px;
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font-weight: 600;
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color: #64748b;
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text-align: center;
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padding: 2px;
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}
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.loi-kyc-card-verify {
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display: flex;
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align-items: center;
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gap: 6px;
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flex-wrap: wrap;
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// stylelint-disable-next-line selector-no-qualifying-type
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input[type='text'] {
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height: 30px;
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padding: 0 8px;
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border: 1px solid #cbd5e1;
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border-radius: 6px;
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font-size: 12.5px;
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width: 120px;
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}
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}
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.loi-kyc-note {
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color: #94a3b8;
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font-size: 12px;
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margin: -2px 0 10px;
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}
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// CIC / Credit Bureau Check stage -- the Consent and Charge steps each get their own bordered
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// sub-card (instead of loose elements sharing the page-level .loan-action-card) so the two
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// distinct steps read as separate units rather than one long unbroken list.
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.loi-cic-subsection {
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display: flex;
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flex-direction: column;
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gap: 10px;
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padding: 14px 16px;
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margin: 0 0 14px;
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border: 1px solid #e2e8f0;
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border-radius: 10px;
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background: #fff;
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}
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.loi-cic-subsection-title {
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font-size: 12px;
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font-weight: 700;
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text-transform: uppercase;
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letter-spacing: 0.05em;
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color: #1e40af;
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}
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.loi-kyc-error {
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color: #dc2626;
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font-size: 11.5px;
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font-weight: 600;
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margin: -2px 0 0;
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}
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.loi-otp-digits {
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display: flex;
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gap: 5px;
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// stylelint-disable-next-line selector-no-qualifying-type
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input[type='text'] {
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width: 28px;
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height: 30px;
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text-align: center;
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padding: 0;
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}
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}
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// KYC & Documents' Monthly Income card -- full basis for the EMI figure, not just the number.
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.loi-emi-breakdown {
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margin-top: 4px;
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padding: 12px 14px;
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border: 1px solid #e2e8f0;
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border-radius: 10px;
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background: #f8fafc;
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.loan-kv-grid {
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padding: 0;
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}
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}
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.loi-emi-breakdown-title {
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font-size: 11px;
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font-weight: 700;
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text-transform: uppercase;
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letter-spacing: 0.05em;
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color: #64748b;
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margin-bottom: 8px;
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}
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.loi-emi-formula {
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margin: 10px 0 0;
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}
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// CIC check charge -- picking one of the client's real accounts to debit reuses the .loi-kyc-card
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// grid/card look, just made clickable as a whole (a plain button, not a form control) with a
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// clear selected state.
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.loi-charge-account {
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text-align: left;
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cursor: pointer;
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font: inherit;
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&--selected {
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border-color: #15803d;
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background: #f0fdf4;
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}
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}
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// A completed stepper step is a real <button> (see canJumpToStage) so the officer can jump
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// straight back to it -- reset the browser's own button chrome and only add a hover affordance,
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// the done/current/rejected/hold color treatment is already handled by the shared .loan-step
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// rules above regardless of the element being a <div> or a <button>.
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.loan-step--clickable {
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border: none;
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background: transparent;
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padding: 0;
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font: inherit;
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cursor: pointer;
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&:hover {
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.loan-step__dot {
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box-shadow: 0 0 0 3px rgb(21 128 61 / 20%);
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}
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.loan-step__label {
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text-decoration: underline;
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}
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}
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}
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