feat(loan-origination): product type, income/co-borrower affordability, bank statement & CIC analysis, richer Field Investigation, and meeting-scheduled Personal Discussion

- New Application: add Product Type (Term Loan/Overdraft) driven by product eligibility.
- KYC: 3-year ITR capture with exceptions, product-specific document checklists with officer-added
  custom docs, Housing Loan co-owner Aadhaar/PAN capture+verify in a popup dialog.
- Income & Affordability: editable income/amount/tenure with product bounds validation, 40% EMI
  rule, and a full co-borrower flow (relationship, salary slips, combined-income eligibility).
- Bank Statement upload auto-opens a full CSV-driven cash-flow/FOIR/risk analysis dialog.
- CIC report upload auto-opens a bureau-style credit report analysis (score gauge, accounts,
  DPD history, enquiries) generated from the application's own credit score.
- Field Investigation reworked into per-address cards (Home/Office/Property/Shop) with officer
  assignment, 48-hour SLA tracking, GPS + multi-photo capture, verify/reject with remarks, a
  full-detail popup, real Fineract addresses for existing clients, and a calculated property
  valuation (market/guideline/realizable value, LTV).
- Personal Discussion: meeting scheduler (date/time/mode/officer) gating the discussion report,
  plus a full Application Summary Report PDF (KYC, CIC, FI, valuation, stage history) for the
  meeting.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

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

@@ -152,6 +152,16 @@ export interface VerificationCheck {
   verifiedBy: string;
   verifiedDate: string;
   remarks: string;
+  /** Field Investigation only -- the officer assigned to physically visit this address, when they
+   *  were assigned (both a display date and a raw epoch-ms timestamp for the 48-hour SLA clock),
+   *  and what they captured on the visit (GPS + a photo count -- the actual File objects are kept
+   *  local-only in the component, same as every other document capture in this mock pipeline). */
+  officerAssigned: string;
+  assignedDate: string;
+  assignedAt: number;
+  latitude: string;
+  longitude: string;
+  photoCount: number;
 }
 
 export interface ApprovalRecord {
@@ -188,6 +198,9 @@ export interface LoanApplication {
 
   productCode: string;
   productName: string;
+  /** Term Loan (fixed tenure, EMI-based) vs Overdraft (revolving limit, renewed annually) --
+   *  see allowedProductTypes() for which products can be which. */
+  productType: ProductType;
   secured: boolean;
   requestedAmount: number;
   tenureMonths: number;
@@ -203,11 +216,11 @@ export interface LoanApplication {
   panVerified: boolean;
   incomeProofSubmitted: boolean;
   bankStatementSubmitted: boolean;
-  propertyDetailsSubmitted: boolean;
-  taxReceiptSubmitted: boolean;
   electricityBillSubmitted: boolean;
-  /** Aadhaar e-KYC biometric authentication (UIDAI) — captured on top of the OVD paper check. */
-  aadhaarFingerprintCaptured: boolean;
+  /** Documents specific to this application's loan product (e.g. property papers for a Housing
+   *  Loan, land records for a Kisan Credit Card) -- seeded from PRODUCT_DOCUMENT_REQUIREMENTS at
+   *  creation time, plus whatever the officer adds on top with "Add Custom Document". */
+  productDocuments: ProductDocumentEntry[];
   monthlyIncome: number;
   eligibleLoanAmount: number;
   coBorrowerRequired: boolean;
@@ -248,12 +261,34 @@ export interface LoanApplication {
   addressVerification: VerificationCheck;
   officeVerification: VerificationCheck;
   propertyVerification: VerificationCheck;
+  /** Whether this applicant runs a shop/business premises worth sending a field officer to --
+   *  officer-ticked at Field Investigation itself (not derivable from anything else on the
+   *  application), same conditional-row pattern propertyVerification already uses off `secured`. */
+  hasShop: boolean;
+  shopVerification: VerificationCheck;
+  /** propertyValuation itself is always derived (builtUpAreaSqFt × marketRatePerSqFt) -- kept as
+   *  its own field since every other part of the app already reads it directly (stage-history
+   *  remarks, Risk Approval), rather than making every one of those call sites recompute it. */
+  propertyType: string;
+  builtUpAreaSqFt: number;
+  marketRatePerSqFt: number;
+  guidelineRatePerSqFt: number;
+  valuerName: string;
+  valuationDate: string;
   propertyValuation: number;
   agentReportUploaded: boolean;
   agentReportFileName: string;
+  agentReportRemark: string;
 
   // Personal Discussion / discrepancy handling
   discrepancyType: DiscrepancyType;
+  /** Scheduled before the meeting happens -- date/time/mode/officer -- so there's a real
+   *  appointment on record instead of the discussion notes just appearing from nowhere. */
+  meetingScheduled: boolean;
+  meetingDate: string;
+  meetingTime: string;
+  meetingMode: 'ONLINE' | 'OFFLINE' | 'CALL' | '';
+  meetingWith: string;
   personalDiscussionNotes: string;
   personalDiscussionDate: string;
   /** Customer's signed declaration taken after the personal discussion clears. */
@@ -468,6 +503,80 @@ export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
   }
 ];
 
+/** One product-specific document a loan officer has to collect for a given product's collateral/
+ *  eligibility type -- distinct from the generic KYC docs (Aadhaar, PAN, Income Proof, ...) every
+ *  application needs regardless of product. */
+export interface ProductDocumentEntry {
+  key: string;
+  label: string;
+  hint?: string;
+  /** True for a document the officer added on the spot with "Add Custom Document" -- these can
+   *  be removed again; the product's own required list cannot. */
+  custom: boolean;
+  submitted: boolean;
+}
+
+interface ProductDocumentTemplate {
+  key: string;
+  label: string;
+  hint?: string;
+}
+
+/** What each product needs beyond the generic KYC checklist -- a Housing or Kisan Credit loan is
+ *  secured against a specific asset (property / agricultural land), so the paperwork proving and
+ *  encumbering that asset has to be collected before the loan can be sanctioned, on top of the
+ *  borrower's own identity/income proof. */
+export const PRODUCT_DOCUMENT_REQUIREMENTS: Record<string, ProductDocumentTemplate[]> = {
+  HL: [
+    { key: 'propertyTaxReceipt', label: 'Property Tax Receipt' },
+    { key: 'propertyRegistration', label: 'Property Registration Document (Sale Deed)' },
+    { key: 'propertyElectricityBill', label: 'Electricity Bill (of the Property)' },
+    {
+      key: 'coOwnerKyc',
+      label: 'KYC Documents of Co-Owners',
+      hint: 'If the registry lists a second co-owner, use "Add More Doc" below for their KYC too'
+    },
+    { key: 'mutationExtract', label: 'Property Mutation Extract (Namantaran)' },
+    { key: 'noDuesCertificate', label: 'No-Dues Certificate' },
+    { key: 'encumbranceCertificate', label: 'Encumbrance Certificate (EC)' },
+    { key: 'approvedBuildingPlan', label: 'Approved Building Plan / Sanctioned Layout' }
+  ],
+  KCC: [
+    { key: 'landRegistry', label: 'Land Registry / Title Deed' },
+    { key: 'khasraKhatauni', label: 'Khasra-Khatauni (Land Revenue Record)' },
+    { key: 'girdawari', label: 'Girdawari (Crop Inspection Report)' },
+    { key: 'noDuesOtherBank', label: 'No-Dues Certificate from Other Banks/Societies' }
+  ],
+  VL: [
+    { key: 'vehicleQuotation', label: 'Vehicle Quotation / Proforma Invoice' },
+    { key: 'drivingLicense', label: 'Driving License' },
+    { key: 'vehicleRC', label: 'RC Copy', hint: 'For a used vehicle' },
+    { key: 'vehicleInsurance', label: 'Insurance Copy' }
+  ],
+  CC: [
+    { key: 'udyamRegistration', label: 'Udyam / Business Registration Certificate' },
+    { key: 'gstCertificate', label: 'GST Registration Certificate' },
+    { key: 'businessFinancials', label: "Last 2 Years' Business Financial Statements" },
+    { key: 'businessAddressProof', label: 'Business Address Proof' },
+    { key: 'partnershipDeed', label: 'Partnership Deed / MOA-AOA', hint: 'If applicable' }
+  ],
+  EL: [
+    { key: 'admissionLetter', label: 'Admission Letter from Institution' },
+    { key: 'feeStructure', label: 'Fee Structure / Schedule' },
+    { key: 'marksheets', label: 'Previous Qualifying Exam Marksheets' },
+    { key: 'coBorrowerKyc', label: 'Co-Borrower (Parent/Guardian) KYC & Income Proof' }
+  ],
+  GL: [
+    { key: 'goldValuation', label: 'Gold Appraisal / Valuation Certificate' },
+    { key: 'goldPurchaseInvoice', label: 'Purchase Invoice of Gold Ornaments', hint: 'If available' }
+  ],
+  PL: [{ key: 'employmentProof', label: 'Employment Proof / Appointment Letter' }]
+};
+
+export function buildProductDocuments(productCode: string): ProductDocumentEntry[] {
+  return (PRODUCT_DOCUMENT_REQUIREMENTS[productCode] ?? []).map((doc) => ({ ...doc, custom: false, submitted: false }));
+}
+
 const FIRST_NAMES = [
   'Ramesh',
   'Suresh',
@@ -534,7 +643,7 @@ const BC_AGENTS = [
   'Digital Seva Kendra — Sangli'
 ];
 
-const MANAGERS = [
+export const MANAGERS = [
   'Anil Deshpande (Branch Manager)',
   'Sunil Kadam (Branch Manager)',
   'Vikas Pathak (Credit Manager)',
@@ -558,6 +667,20 @@ const FI_AGENCIES = [
   'VerifyIndia Field Services'
 ];
 
+export const PROPERTY_TYPES = [
+  'Residential',
+  'Commercial',
+  'Plot',
+  'Under Construction'
+];
+
+const VALUERS = [
+  'Apex Valuers & Engineers',
+  'Prime Property Valuation Services',
+  'National Valuation Associates',
+  'Metro Approved Valuers'
+];
+
 // -------------------------------------------------------------------------
 // Delegation of Powers — sanctioning authority by loan amount, exactly the kind
 // of amount-based approval matrix every Indian bank/co-operative society runs.
@@ -607,7 +730,18 @@ export function stageBadgeClass(app: LoanApplication): string {
 }
 
 function blankVerification(): VerificationCheck {
-  return { status: 'PENDING', verifiedBy: '—', verifiedDate: '—', remarks: '—' };
+  return {
+    status: 'PENDING',
+    verifiedBy: '—',
+    verifiedDate: '—',
+    remarks: '—',
+    officerAssigned: '—',
+    assignedDate: '—',
+    assignedAt: 0,
+    latitude: '',
+    longitude: '',
+    photoCount: 0
+  };
 }
 
 function blankApproval(): ApprovalRecord {
@@ -703,6 +837,14 @@ function generateApplications(count: number): LoanApplication[] {
     const legalOfficer = pick(LEGAL_OFFICERS);
     const fiAgency = pick(FI_AGENCIES);
 
+    // Reverse-engineered the same way monthlyIncome is -- area × rate lands close to a plausible
+    // multiple of the requested amount, rather than picking propertyValuation directly and having
+    // no consistent area/rate breakdown behind it.
+    const propertyBuiltUpAreaSqFt = product.secured ? round(between(600, 2400)) : 0;
+    const propertyMarketRatePerSqFt = product.secured
+      ? round((requestedAmount * between(1.1, 1.4)) / propertyBuiltUpAreaSqFt)
+      : 0;
+
     const app: LoanApplication = {
       applicationNo: `LN${branch.code.slice(2)}${product.code}${seq}`,
       applicationDate,
@@ -714,6 +856,7 @@ function generateApplications(count: number): LoanApplication[] {
       customerType,
       productCode: product.code,
       productName: product.name,
+      productType: pick(allowedProductTypes(product.code)),
       secured: product.secured,
       requestedAmount,
       tenureMonths,
@@ -725,10 +868,8 @@ function generateApplications(count: number): LoanApplication[] {
       panVerified: false,
       incomeProofSubmitted: false,
       bankStatementSubmitted: false,
-      propertyDetailsSubmitted: false,
-      taxReceiptSubmitted: false,
       electricityBillSubmitted: false,
-      aadhaarFingerprintCaptured: false,
+      productDocuments: buildProductDocuments(product.code),
       monthlyIncome,
       eligibleLoanAmount,
       coBorrowerRequired: eligibleLoanAmount < requestedAmount,
@@ -750,10 +891,24 @@ function generateApplications(count: number): LoanApplication[] {
       addressVerification: blankVerification(),
       officeVerification: blankVerification(),
       propertyVerification: blankVerification(),
-      propertyValuation: product.secured ? round(requestedAmount * between(1.1, 1.4)) : 0,
+      hasShop: rng() < 0.3,
+      shopVerification: blankVerification(),
+      propertyType: product.secured ? pick(PROPERTY_TYPES) : '—',
+      builtUpAreaSqFt: propertyBuiltUpAreaSqFt,
+      marketRatePerSqFt: propertyMarketRatePerSqFt,
+      guidelineRatePerSqFt: product.secured ? round(propertyMarketRatePerSqFt * between(0.6, 0.85)) : 0,
+      valuerName: product.secured ? pick(VALUERS) : '—',
+      valuationDate: product.secured ? fmt(addDays(today, -round(between(5, 60)))) : '—',
+      propertyValuation: product.secured ? propertyBuiltUpAreaSqFt * propertyMarketRatePerSqFt : 0,
       agentReportUploaded: false,
       agentReportFileName: '—',
+      agentReportRemark: '—',
       discrepancyType: 'NONE',
+      meetingScheduled: false,
+      meetingDate: '',
+      meetingTime: '',
+      meetingMode: '',
+      meetingWith: '',
       personalDiscussionNotes: '—',
       personalDiscussionDate: '—',
       declarationTaken: false,
@@ -836,10 +991,8 @@ function generateApplications(count: number): LoanApplication[] {
           app.panVerified = true;
           app.incomeProofSubmitted = true;
           app.bankStatementSubmitted = true;
-          app.propertyDetailsSubmitted = product.secured;
-          app.taxReceiptSubmitted = product.secured;
           app.electricityBillSubmitted = true;
-          app.aadhaarFingerprintCaptured = true;
+          app.productDocuments.forEach((doc) => (doc.submitted = true));
           app.stageHistory.push({
             stage,
             date: fmt(cursor),
@@ -876,24 +1029,57 @@ function generateApplications(count: number): LoanApplication[] {
             status: 'VERIFIED',
             verifiedBy: fiAgency,
             verifiedDate: fmt(cursor),
-            remarks: 'Registered address confirmed on physical visit.'
+            remarks: 'Registered address confirmed on physical visit.',
+            officerAssigned: fiAgency,
+            assignedDate: fmt(cursor),
+            assignedAt: cursor.getTime(),
+            latitude: (23.2 + rng() * 5).toFixed(6),
+            longitude: (77.4 + rng() * 5).toFixed(6),
+            photoCount: 2 + Math.floor(rng() * 3)
           };
           app.officeVerification = {
             status: 'VERIFIED',
             verifiedBy: fiAgency,
             verifiedDate: fmt(cursor),
-            remarks: 'Employment/business confirmed — Agent Report filed.'
+            remarks: 'Employment/business confirmed — Agent Report filed.',
+            officerAssigned: fiAgency,
+            assignedDate: fmt(cursor),
+            assignedAt: cursor.getTime(),
+            latitude: (23.2 + rng() * 5).toFixed(6),
+            longitude: (77.4 + rng() * 5).toFixed(6),
+            photoCount: 2 + Math.floor(rng() * 3)
           };
           if (product.secured) {
             app.propertyVerification = {
               status: 'VERIFIED',
               verifiedBy: fiAgency,
               verifiedDate: fmt(cursor),
-              remarks: `Property inspected and valued at ₹${app.propertyValuation.toLocaleString('en-IN')}.`
+              remarks: `Property inspected and valued at ₹${app.propertyValuation.toLocaleString('en-IN')}.`,
+              officerAssigned: fiAgency,
+              assignedDate: fmt(cursor),
+              assignedAt: cursor.getTime(),
+              latitude: (23.2 + rng() * 5).toFixed(6),
+              longitude: (77.4 + rng() * 5).toFixed(6),
+              photoCount: 2 + Math.floor(rng() * 3)
+            };
+          }
+          if (app.hasShop) {
+            app.shopVerification = {
+              status: 'VERIFIED',
+              verifiedBy: fiAgency,
+              verifiedDate: fmt(cursor),
+              remarks: 'Shop/business premises visited and confirmed operational.',
+              officerAssigned: fiAgency,
+              assignedDate: fmt(cursor),
+              assignedAt: cursor.getTime(),
+              latitude: (23.2 + rng() * 5).toFixed(6),
+              longitude: (77.4 + rng() * 5).toFixed(6),
+              photoCount: 2 + Math.floor(rng() * 3)
             };
           }
           app.agentReportUploaded = true;
           app.agentReportFileName = `AgentReport_${app.applicationNo}.pdf`;
+          app.agentReportRemark = 'All addresses visited and cross-verified — no discrepancies noted.';
           app.stageHistory.push({
             stage,
             date: fmt(cursor),
@@ -906,6 +1092,15 @@ function generateApplications(count: number): LoanApplication[] {
           break;
 
         case 'PERSONAL_DISCUSSION':
+          app.meetingScheduled = true;
+          app.meetingDate = fmt(cursor);
+          app.meetingTime = `${String(10 + Math.floor(rng() * 6)).padStart(2, '0')}:${rng() < 0.5 ? '00' : '30'}`;
+          app.meetingMode = pick<'ONLINE' | 'OFFLINE' | 'CALL'>([
+            'ONLINE',
+            'OFFLINE',
+            'CALL'
+          ]);
+          app.meetingWith = manager;
           if (isHoldStage) {
             app.discrepancyType = pick<DiscrepancyType>([
               'DOCUMENT_DISCREPANCY',
@@ -1174,6 +1369,30 @@ export function moveToStage(app: LoanApplication, stage: OriginationStage, actio
   app.currentStage = stage;
 }
 
+/** Books the Personal Discussion appointment -- date, time, mode and which bank officer is
+ *  taking it -- before any discussion notes exist, so there's a real scheduled meeting on record
+ *  rather than a discussion report just appearing with no appointment behind it. */
+export function scheduleMeeting(
+  app: LoanApplication,
+  date: string,
+  time: string,
+  mode: 'ONLINE' | 'OFFLINE' | 'CALL',
+  withWhom: string,
+  actionBy: string
+): void {
+  app.meetingScheduled = true;
+  app.meetingDate = date;
+  app.meetingTime = time;
+  app.meetingMode = mode;
+  app.meetingWith = withWhom;
+  recordStageProgress(
+    app,
+    actionBy,
+    'Meeting Scheduled',
+    `Personal Discussion scheduled with ${withWhom} on ${date} ${time} (${mode}).`
+  );
+}
+
 export function flagDiscrepancy(app: LoanApplication, type: DiscrepancyType, actionBy: string, notes: string): void {
   app.discrepancyType = type;
   app.personalDiscussionDate = todayDDMMYYYY();
@@ -1264,20 +1483,48 @@ export function pushFieldInquiry(app: LoanApplication, agencyName: string, actio
   recordStageProgress(app, actionBy, 'FI Pushed', `Field Inquiry request pushed to ${agencyName}.`);
 }
 
-export function uploadAgentReport(app: LoanApplication, fileName: string, actionBy: string): void {
+export function uploadAgentReport(app: LoanApplication, fileName: string, remark: string, actionBy: string): void {
   app.agentReportUploaded = true;
   app.agentReportFileName = fileName;
-  recordStageProgress(app, actionBy, 'Uploaded', `Agent Report "${fileName}" uploaded.`);
+  app.agentReportRemark = remark || 'Agent Report filed.';
+  recordStageProgress(app, actionBy, 'Uploaded', `Agent Report "${fileName}" uploaded — ${app.agentReportRemark}`);
+}
+
+export type FiCheckKey = 'addressVerification' | 'officeVerification' | 'propertyVerification' | 'shopVerification';
+
+export const FI_CHECK_LABELS: Record<FiCheckKey, string> = {
+  addressVerification: 'Home Address',
+  officeVerification: 'Office / Employment Address',
+  propertyVerification: 'Property Address',
+  shopVerification: 'Shop / Business Premises'
+};
+
+/** Sends a field officer out to physically visit and verify one of the 3 FI addresses -- resets
+ *  that address's whole visit cycle (GPS, photo count, prior remarks) fresh, since a newly
+ *  assigned visit (including a retry after a FAILED one) starts the 48-hour SLA clock over. */
+export function assignFieldOfficer(app: LoanApplication, which: FiCheckKey, officerName: string): void {
+  app[which] = {
+    status: 'PENDING',
+    verifiedBy: '—',
+    verifiedDate: '—',
+    remarks: '—',
+    officerAssigned: officerName,
+    assignedDate: todayDDMMYYYY(),
+    assignedAt: Date.now(),
+    latitude: '',
+    longitude: '',
+    photoCount: 0
+  };
 }
 
 export function recordVerification(
   app: LoanApplication,
-  which: 'addressVerification' | 'officeVerification' | 'propertyVerification',
+  which: FiCheckKey,
   status: VerificationStatus,
   verifiedBy: string,
   remarks: string
 ): void {
-  app[which] = { status, verifiedBy, verifiedDate: todayDDMMYYYY(), remarks };
+  app[which] = { ...app[which], status, verifiedBy, verifiedDate: todayDDMMYYYY(), remarks };
 }
 
 /** Cooperative-bank membership can be allotted independently of the loan's own progress — a
@@ -1348,14 +1595,45 @@ export function disburseApplication(app: LoanApplication, actionBy: string, mode
 }
 
 // -------------------------------------------------------------------------
-// EMI Repayment Schedule — the standard reducing-balance amortisation table a real CBS shows
-// once a term loan is disbursed. Cash Credit / KCC are revolving limits renewed annually, not
-// repaid on a fixed instalment schedule, so they're excluded rather than shown a misleading one.
+// Product Type — Term Loan (fixed tenure, EMI-based) vs Overdraft (revolving limit, renewed
+// annually rather than repaid on a fixed instalment schedule).
 // -------------------------------------------------------------------------
-export function isRevolvingProduct(productCode: string): boolean {
-  return productCode === 'CC' || productCode === 'KCC';
+export type ProductType = 'TERM_LOAN' | 'OVERDRAFT';
+
+export const PRODUCT_TYPE_LABELS: Record<ProductType, string> = {
+  TERM_LOAN: 'Term Loan',
+  OVERDRAFT: 'Overdraft'
+};
+
+/** Which Product Type(s) a given product can be sanctioned as. Cash Credit and Kisan Credit Card
+ *  are inherently revolving limits, so Overdraft is the only option. Gold Loan is commonly
+ *  written up either way at a UCB -- a straight EMI term loan, or a 1-year overdraft/cash-credit
+ *  limit renewed annually -- so both are offered, defaulting to Overdraft (the more common
+ *  cooperative-bank practice for gold loans). Every other product here is a straight term loan. */
+export function allowedProductTypes(productCode: string): ProductType[] {
+  if (productCode === 'CC' || productCode === 'KCC') {
+    return ['OVERDRAFT'];
+  }
+  if (productCode === 'GL') {
+    return [
+      'OVERDRAFT',
+      'TERM_LOAN'
+    ];
+  }
+  return ['TERM_LOAN'];
 }
 
+export function defaultProductType(productCode: string): ProductType {
+  return allowedProductTypes(productCode)[0];
+}
+
+// -------------------------------------------------------------------------
+// EMI Repayment Schedule — the standard reducing-balance amortisation table a real CBS shows
+// once a term loan is disbursed. Overdraft-type products are revolving limits renewed annually,
+// not repaid on a fixed instalment schedule, so they're excluded rather than shown a misleading
+// one (see LoanApplication.productType).
+// -------------------------------------------------------------------------
+
 export interface EmiScheduleRow {
   installmentNo: number;
   dueDate: string;
@@ -1426,6 +1704,7 @@ export interface NewApplicationInput {
   branchName: string;
   productCode: string;
   productName: string;
+  productType: ProductType;
   secured: boolean;
   requestedAmount: number;
   tenureMonths: number;
@@ -1447,6 +1726,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     clientId: input.clientId ?? null,
     productCode: input.productCode,
     productName: input.productName,
+    productType: input.productType,
     secured: input.secured,
     requestedAmount: input.requestedAmount,
     tenureMonths: input.tenureMonths,
@@ -1458,10 +1738,8 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     panVerified: false,
     incomeProofSubmitted: false,
     bankStatementSubmitted: false,
-    propertyDetailsSubmitted: false,
-    taxReceiptSubmitted: false,
     electricityBillSubmitted: false,
-    aadhaarFingerprintCaptured: false,
+    productDocuments: buildProductDocuments(input.productCode),
     monthlyIncome: 0,
     eligibleLoanAmount: 0,
     coBorrowerRequired: false,
@@ -1483,10 +1761,24 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     addressVerification: blankVerification(),
     officeVerification: blankVerification(),
     propertyVerification: blankVerification(),
+    hasShop: false,
+    shopVerification: blankVerification(),
+    propertyType: '—',
+    builtUpAreaSqFt: 0,
+    marketRatePerSqFt: 0,
+    guidelineRatePerSqFt: 0,
+    valuerName: '—',
+    valuationDate: '—',
     propertyValuation: 0,
     agentReportUploaded: false,
     agentReportFileName: '—',
+    agentReportRemark: '—',
     discrepancyType: 'NONE',
+    meetingScheduled: false,
+    meetingDate: '',
+    meetingTime: '',
+    meetingMode: '',
+    meetingWith: '',
     personalDiscussionNotes: '—',
     personalDiscussionDate: '—',
     declarationTaken: false,