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-pipeline/loan-pipeline.component.ts

@@ -11,6 +11,7 @@ import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
 import { ActivatedRoute, Router, RouterModule } from '@angular/router';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
+import { ClientsService } from '../../clients/clients.service';
 import { ExportSheetSpec, exportWorkbook } from '../../cashier/cashier-export';
 import {
   BRANCHES,
@@ -134,12 +135,19 @@ export class LoanPipelineComponent implements OnInit {
     bcAgentName: '',
     customerType: 'NEW' as CustomerType,
     applicantName: '',
+    clientId: null as number | null,
     branchCode: this.branches[0].code,
     productCode: this.products[0].code,
     requestedAmount: null as number | null,
     tenureMonths: null as number | null
   };
 
+  /** Existing-customer search (real Fineract clients, unlike the rest of this mock pipeline). */
+  existingClientSearchText = '';
+  existingClientSearchResults: any[] = [];
+  searchingExistingClient = false;
+  private existingClientSearchTimer: any;
+
   toastMsg = '';
   toastVisible = false;
   private toastTimer: ReturnType<typeof setTimeout> | undefined;
@@ -147,6 +155,7 @@ export class LoanPipelineComponent implements OnInit {
   private readonly route = inject(ActivatedRoute);
   private readonly router = inject(Router);
   private readonly auth = inject(AuthenticationService);
+  private readonly clientsService = inject(ClientsService);
 
   ngOnInit(): void {
     const requestedView = this.route.snapshot.queryParamMap.get('view') as ViewId | null;
@@ -428,11 +437,59 @@ export class LoanPipelineComponent implements OnInit {
     return this.products.find((p) => p.code === code) || this.products[0];
   }
 
+  /** Switching Customer Type away from "Existing" drops any client picked under the old mode --
+   *  avoids storing a stale clientId against a now-"New Customer" application. */
+  onCustomerTypeChange(): void {
+    if (this.newApp.customerType === 'NEW') {
+      this.clearExistingClient();
+    }
+  }
+
+  onExistingClientSearch(text: string): void {
+    this.existingClientSearchText = text;
+    clearTimeout(this.existingClientSearchTimer);
+    if (!text || text.length < 2) {
+      this.existingClientSearchResults = [];
+      return;
+    }
+    this.searchingExistingClient = true;
+    this.existingClientSearchTimer = setTimeout(() => {
+      this.clientsService.searchByText(text, 0, 8, '', '', true, 'INDIVIDUAL').subscribe({
+        next: (data: any) => {
+          this.existingClientSearchResults = data?.content || [];
+          this.searchingExistingClient = false;
+        },
+        error: () => {
+          this.existingClientSearchResults = [];
+          this.searchingExistingClient = false;
+        }
+      });
+    }, 400);
+  }
+
+  selectExistingClient(client: any): void {
+    this.newApp.clientId = client.id;
+    this.newApp.applicantName = client.displayName;
+    this.existingClientSearchResults = [];
+    this.existingClientSearchText = '';
+  }
+
+  clearExistingClient(): void {
+    this.newApp.clientId = null;
+    this.newApp.applicantName = '';
+    this.existingClientSearchText = '';
+    this.existingClientSearchResults = [];
+  }
+
   saveNewApplication(): void {
     if (!this.newApp.applicantName.trim() || !this.newApp.requestedAmount || this.newApp.requestedAmount <= 0) {
       this.toast('Enter the applicant name and a valid requested amount.');
       return;
     }
+    if (this.newApp.customerType === 'EXISTING' && !this.newApp.clientId) {
+      this.toast('Search and select the existing client for this application.');
+      return;
+    }
     if (this.newApp.channel === 'BC' && !this.newApp.bcAgentName.trim()) {
       this.toast('Enter the BC agent/point name for a Business Correspondent application.');
       return;
@@ -451,6 +508,7 @@ export class LoanPipelineComponent implements OnInit {
         bcAgentName: this.newApp.bcAgentName || '—',
         customerType: this.newApp.customerType,
         applicantName: this.newApp.applicantName.trim(),
+        clientId: this.newApp.clientId,
         branchCode: branch.code,
         branchName: branch.name,
         productCode: product.code,
@@ -469,11 +527,14 @@ export class LoanPipelineComponent implements OnInit {
       bcAgentName: '',
       customerType: 'NEW',
       applicantName: '',
+      clientId: null,
       branchCode: this.isHeadOffice ? this.branches[0].code : this.ownBranchCode || this.branches[0].code,
       productCode: this.products[0].code,
       requestedAmount: null,
       tenureMonths: null
     };
+    this.existingClientSearchText = '';
+    this.existingClientSearchResults = [];
     this.router.navigate([
       '/loan-origination/application',
       app.applicationNo