feat(loan-origination): wire pipeline and application detail to real branches and saved products

New loan application now sources branches and product type/sub-type/code
options from Product Creation's saved products (Gold, Warehouse Receipt,
Loans/EMI) and real office branches instead of hardcoded lists, with
tenure constrained to each product's min/max.

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

src/app/loan-origination/loan-fineract-bridge.ts

@@ -50,7 +50,8 @@ export async function createRealLoanAccount(
 
   const locale = settings.language.code;
   const dateFormat = settings.dateFormat;
-  const today = dateUtils.formatDate(new Date(), dateFormat);
+  // Fineract rejects a submitted-on date later than its business date, so use that (the date shown in the header), not the PC clock.
+  const today = dateUtils.formatDate(settings.businessDate, dateFormat);
 
   const payload = {
     clientId: app.clientId,

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

@@ -29,6 +29,7 @@ export { BRANCHES, BranchMaster };
 export type OriginationStage =
   | 'APPLICATION'
   | 'KYC_DOCUMENTS'
+  | 'DEPOSIT_SELECTION'
   | 'CIC_CHECK'
   | 'FIELD_INVESTIGATION'
   | 'PERSONAL_DISCUSSION'
@@ -43,6 +44,7 @@ export type OriginationStage =
 export const STAGE_ORDER: OriginationStage[] = [
   'APPLICATION',
   'KYC_DOCUMENTS',
+  'DEPOSIT_SELECTION',
   'CIC_CHECK',
   'FIELD_INVESTIGATION',
   'PERSONAL_DISCUSSION',
@@ -58,6 +60,7 @@ export const STAGE_ORDER: OriginationStage[] = [
 export const STAGE_LABELS: Record<OriginationStage, string> = {
   APPLICATION: 'Application Received',
   KYC_DOCUMENTS: 'KYC & Document Collection',
+  DEPOSIT_SELECTION: 'Deposit Selection & Eligibility',
   CIC_CHECK: 'CIC / Credit Bureau Check',
   FIELD_INVESTIGATION: 'Field Investigation (FI)',
   PERSONAL_DISCUSSION: 'Personal Discussion with Manager',
@@ -70,6 +73,18 @@ export const STAGE_LABELS: Record<OriginationStage, string> = {
   DISBURSED: 'Disbursed'
 };
 
+/** The stages a given product actually goes through (a loan against a deposit has no CIC and no field investigation): Deposit Selection only for a loan against a deposit, and no
+ *  credit bureau (CIC) check for it. Everything else keeps the full 12-stage list. */
+export function stagesFor(productCode: string | undefined | null): OriginationStage[] {
+  if (isDepositLoanCode(productCode)) {
+    // No credit bureau check, field investigation or security cheque / ACH (recovery is by set-off against the lien); every other stage stays.
+    return STAGE_ORDER.filter(
+      (stage) => stage !== 'CIC_CHECK' && stage !== 'FIELD_INVESTIGATION' && stage !== 'CHEQUE_ACH'
+    );
+  }
+  return STAGE_ORDER.filter((stage) => stage !== 'DEPOSIT_SELECTION');
+}
+
 export function stageIndex(stage: OriginationStage): number {
   return STAGE_ORDER.indexOf(stage);
 }
@@ -180,7 +195,54 @@ export interface StageHistoryEntry {
   remarks: string;
 }
 
+/** The deposit(s) pledged for a loan against FD / RD / DDS / LIC and what they allow (policy 9.5). */
+export interface DepositSelection {
+  accountIds: number[];
+  accountNos: string[];
+  securityValue: number;
+  limitPct: number;
+  eligibleAmount: number;
+  depositRate: number;
+  spread: number;
+  maxTenure: number;
+  over85: boolean;
+  over85Reason: string;
+  thirdParty: boolean;
+  /** The product requires a lien on the deposit (a product can switch this off). */
+  lienRequired: boolean;
+  saved: boolean;
+}
+
+/** Lien noted on the pledged deposit(s) for this application. */
+export interface LienRecord {
+  marked: boolean;
+  certificateNo: string;
+  markedOn: string;
+  amount: number;
+  accountNos: string[];
+}
+
+/** An approval sent for a decision (maker-checker): the user who sent it cannot be the one who decides. */
+export interface ApprovalRequest {
+  status: 'PENDING' | 'APPROVED' | 'EXCEPTION_APPROVED' | 'REJECTED' | 'WITHDRAWN';
+  submittedBy: string;
+  submittedOn: string;
+  requestedDecision: 'APPROVED' | 'EXCEPTION_APPROVED';
+  remarks: string;
+  resolutionNo?: string;
+  resolutionDate?: string;
+  /** What the sender had verified at the moment of sending -- what the approver reviews. */
+  checklist?: { label: string; ok: boolean }[];
+  /** What the approver ticked as checked herself/himself before approving. */
+  checkerChecklist?: { label: string; ok: boolean }[];
+  decidedBy?: string;
+  decidedOn?: string;
+}
+
 export interface LoanApplication {
+  approvalRequests?: Partial<Record<string, ApprovalRequest>>;
+  depositSelection?: DepositSelection;
+  lien?: LienRecord;
   /** Database row id, assigned on save. Uploaded files hang off this (documents are stored against
    *  the application's entity id), so it's absent only on an application not yet persisted. */
   id?: number;
@@ -451,7 +513,47 @@ interface OriginationProduct {
   /** Minimum Share Capital the borrower must hold, as a % of the loan amount, per bank bye-laws
    *  (a UCB norm -- membership/share-linkage against borrowing, distinct from margin/collateral). */
   shareLinkagePercent: number;
+  /** Loan against a deposit: the share of the deposit value that can be lent (policy 9.5.5: 85%). */
+  ltvPct?: number;
+  /** Loan against a deposit: percentage points added to the deposit's own rate. */
+  spread?: number;
+  /** Loan against a deposit: when the lien is marked, as set on the product ("disbursement" or "sanction"). */
+  lienStage?: string;
+  lienRequired?: boolean;
+  /** What the eligible amount is calculated on: "balance_accrued" (balance + accrued interest) or "balance". */
+  eligibleBasis?: string;
+  /** "deposit_spread" = the deposit's own rate plus the spread; anything else uses the product's own rate. */
+  interestBasis?: string;
+  /** The product's own interest rate (used when the rate is not "deposit rate + spread"). */
+  baseRate?: number;
+  allowMultipleDeposits?: boolean;
+  allowThirdParty?: boolean;
+  /** The loan tenure may not run past the deposit's maturity. */
+  tenureWithinMaturity?: boolean;
+  certificateRequired?: boolean;
+  certificatePrefix?: string;
+  /** Terms shown on the loan plan of a deposit loan. */
+  penalRate?: number;
+  penalApplicable?: boolean;
+  repaymentType?: string;
+  interestPostingFrequency?: string;
+  facilityType?: string;
+  preclosure?: string;
+  renewalAllowed?: boolean;
 }
+/** Short names of the loans against a deposit or policy (FD, RD, DDS, LIC): the deposit is the security, so income
+ *  proof, bank statement, address proof and a co-borrower are optional and there is no credit bureau check. */
+export const DEPOSIT_PRODUCT_CODES = [
+  'FD',
+  'RD',
+  'DS',
+  'LI'
+];
+
+export function isDepositLoanCode(productCode: string | undefined | null): boolean {
+  return !!productCode && DEPOSIT_PRODUCT_CODES.includes(productCode);
+}
+
 export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
   {
     code: 'PL',
@@ -586,6 +688,53 @@ interface ProductDocumentTemplate {
  *  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[]> = {
+  FD: [
+    {
+      key: 'fdReceipt',
+      label: 'FD receipt — original, discharged on the back',
+      hint: 'Signed by the depositor'
+    },
+    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' },
+    {
+      key: 'letterOfContinuity',
+      label: 'Letter of continuity',
+      hint: 'Liability and security continue until the loan is repaid'
+    }
+  ],
+  RD: [
+    { key: 'rdPassbook', label: 'RD passbook', hint: 'Kept by the bank' },
+    {
+      key: 'adjustDeclaration',
+      label: 'Declaration: bank may adjust the loan on RD maturity',
+      hint: 'Bank may adjust the loan from the deposit on maturity'
+    },
+    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' },
+    {
+      key: 'letterOfContinuity',
+      label: 'Letter of continuity',
+      hint: 'Liability and security continue until the loan is repaid'
+    }
+  ],
+  DS: [
+    { key: 'ddsPassbook', label: 'DDS passbook', hint: 'Kept by the bank' },
+    {
+      key: 'adjustDeclaration',
+      label: 'Declaration: bank may adjust the loan on DDS maturity',
+      hint: 'Bank may adjust the loan from the deposit on maturity'
+    },
+    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' },
+    {
+      key: 'letterOfContinuity',
+      label: 'Letter of continuity',
+      hint: 'Liability and security continue until the loan is repaid'
+    }
+  ],
+  LI: [
+    { key: 'licPolicyBond', label: 'Original LIC policy bond', hint: 'Kept by the bank' },
+    { key: 'licAssignment', label: 'Assignment deed in favour of the bank', hint: 'Registered with the LIC branch' },
+    { key: 'licSurrenderLetter', label: 'LIC surrender value letter', hint: 'Not older than 1 month' },
+    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' }
+  ],
   HL: [
     { key: 'propertyTaxReceipt', label: 'Property Tax Receipt' },
     { key: 'propertyRegistration', label: 'Property Registration Document (Sale Deed)' },
@@ -636,15 +785,75 @@ export function buildProductDocuments(productCode: string): ProductDocumentEntry
   return (PRODUCT_DOCUMENT_REQUIREMENTS[productCode] ?? []).map((doc) => ({ ...doc, custom: false, submitted: false }));
 }
 
+/**
+ * Makes a product saved in Product Creation usable by the application screens: the detail page, the eligibility
+ * check and the Fineract bridge all look a product up by its code in ORIGINATION_PRODUCTS, so a saved product is
+ * registered there under its Short Name (replacing an earlier registration of the same code).
+ */
+export function registerOriginationProduct(p: any): OriginationProduct {
+  const ext = p?.advanceExtensions ?? {};
+  const inMonths = !p?.repaymentFrequencyType?.value || p.repaymentFrequencyType.value === 'Months';
+  const rate = Number(p?.interestRatePerPeriod ?? 0);
+  const entry: OriginationProduct = {
+    code: String(p.shortName),
+    name: String(p.name).replace(/\s+/g, ' ').trim(),
+    secured: !isDepositLoanCode(String(p.shortName)) && (ext.productTypeGroup === 'advances' || !!ext.securityType),
+    minAmt: Number(p?.minPrincipal ?? p?.principal ?? 0),
+    maxAmt: Number(p?.maxPrincipal ?? p?.principal ?? 0),
+    minRate: Number(p?.minInterestRatePerPeriod ?? rate),
+    maxRate: Number(p?.maxInterestRatePerPeriod ?? rate),
+    minTenure: Number(inMonths ? (p?.minNumberOfRepayments ?? p?.numberOfRepayments ?? 1) : 1),
+    maxTenure: Number(inMonths ? (p?.maxNumberOfRepayments ?? p?.numberOfRepayments ?? 360) : 360),
+    incomeMultiplier: 20,
+    shareLinkagePercent: 5,
+    ltvPct: Number(ext.ltv ?? 85),
+    spread: Number(ext.spread ?? 0),
+    lienStage: String(ext.lienMarkingStage ?? 'disbursement'),
+    lienRequired: ext.lienRequired !== false,
+    eligibleBasis: String(ext.eligibleAmountBasis ?? 'balance_accrued'),
+    interestBasis: String(ext.interestBasis ?? 'deposit_spread'),
+    baseRate: rate,
+    allowMultipleDeposits: ext.lienAllowMultipleDeposits === true,
+    allowThirdParty: ext.lienAllowThirdParty === true,
+    tenureWithinMaturity: ext.lienTenureNotExceedMaturity !== false,
+    certificateRequired: ext.lienCertificateRequired !== false && ext.lienCertificateRequired !== 'NO',
+    certificatePrefix: ext.lienCertificatePrefix ? String(ext.lienCertificatePrefix) : undefined,
+    penalRate: Number(ext.penalRate ?? 0),
+    penalApplicable: ext.penalApplicable === true,
+    repaymentType: String(ext.repaymentType ?? 'bullet'),
+    interestPostingFrequency: String(ext.interestPostingFrequency ?? 'Monthly'),
+    facilityType: String(ext.facilityType ?? 'demand'),
+    preclosure: String(ext.preclosureAllowed ?? 'anytime'),
+    renewalAllowed: ext.renewalAllowed === true
+  };
+  const at = ORIGINATION_PRODUCTS.findIndex((x) => x.code === entry.code);
+  if (at >= 0) {
+    ORIGINATION_PRODUCTS[at] = entry;
+  } else {
+    ORIGINATION_PRODUCTS.push(entry);
+  }
+  return entry;
+}
+
 /** What Legal Approval actually collects proof of -- the executed agreement, the stamp duty paid
  *  on it, and (for a secured product) the mortgage/title paperwork -- same "Add More Doc" pattern
  *  as the product-specific documents above, since a specific matter can always need one more
  *  paper (a second mortgagor's consent letter, a court NOC, etc.) than this starter list expects. */
-export function buildLegalDocuments(secured: boolean): ProductDocumentEntry[] {
+export function buildLegalDocuments(secured: boolean, depositLoan = false): ProductDocumentEntry[] {
+  if (depositLoan) {
+    // The DP Note, letter of continuity, deposit receipt and letter of lien were collected earlier (KYC & Documents and
+    // Lien Marking); only what is new at the legal stage is asked here. No mortgage, title or legal opinion: the security is a deposit.
+    return [
+      {
+        key: 'stampDutyReceipt',
+        label: 'Stamp duty / revenue stamp receipt (on the DP Note and agreement)'
+      }
+    ].map((doc) => ({ ...doc, custom: false, submitted: false }));
+  }
   const templates: ProductDocumentTemplate[] = [
     { key: 'loanAgreement', label: 'Loan Agreement (Registered/Notarized)' },
     { key: 'stampDutyReceipt', label: 'Legal Stamp Paper / Stamp Duty Receipt' },
-    { key: 'feeReceipt', label: 'Fee & Account Opening Receipt' }
+    { key: 'feeReceipt', label: 'Processing Fee Receipt' }
   ];
   if (secured) {
     templates.push(
@@ -1839,7 +2048,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
   const actionBy =
     input.channel === 'BC' ? input.bcAgentName : input.channel === 'SELF_APPLY' ? 'Customer (Digital)' : 'Branch Staff';
   return {
-    applicationNo: `LN${input.branchCode.slice(2)}${input.productCode}${String(seq).padStart(6, '0')}`,
+    applicationNo: `LN${input.branchCode.replace(/^(OFF|BR)/, '').padStart(2, '0')}${input.productCode}${String(seq).padStart(6, '0')}`,
     applicationDate: todayDDMMYYYY(),
     applicantName: input.applicantName,
     branchCode: input.branchCode,
@@ -1932,7 +2141,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     legalStampDone: false,
     fileFilingDone: false,
     agreementSigningSlot: '—',
-    legalDocuments: buildLegalDocuments(input.secured),
+    legalDocuments: buildLegalDocuments(input.secured, isDepositLoanCode(input.productCode)),
     customerSigningDate: '—',
     chequeReceived: false,
     achSigned: false,

src/app/loan-origination/loan-origination-shared.scss

@@ -865,6 +865,16 @@
   }
 }
 
+.loi-legal-doc-thumb-remove.loi-bank-remove {
+  height: 34px;
+  padding: 0 14px;
+  border: 1px solid #fecaca;
+  border-radius: 999px;
+  background: #fef2f2;
+  color: #dc2626;
+  font-weight: 700;
+}
+
 // CIC Credit Bureau Hero Card in Stage detail
 .loi-cic-hero-card {
   display: flex;
@@ -978,3 +988,211 @@
     font-weight: 600;
   }
 }
+
+.loi-optional-tag {
+  font-weight: 600;
+  text-transform: none;
+  letter-spacing: 0;
+  color: #0369a1;
+}
+
+.loi-deposit-note {
+  margin-bottom: 14px;
+  padding: 10px 14px;
+  border: 1px solid #bae6fd;
+  border-radius: 8px;
+  background: #f0f9ff;
+  color: #075985;
+  font-size: 13px;
+  line-height: 1.5;
+}
+
+.loi-dep-wrap {
+  overflow-x: auto;
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  background: #fff;
+}
+
+.loi-dep-table {
+  width: 100%;
+  border-collapse: collapse;
+
+  th {
+    padding: 10px 12px;
+    text-align: left;
+    font-size: 11px;
+    font-weight: 700;
+    letter-spacing: 0.05em;
+    text-transform: uppercase;
+    color: #64748b;
+    background: #f8fafc;
+    border-bottom: 1px solid #e2e8f0;
+    white-space: nowrap;
+  }
+
+  td {
+    padding: 10px 12px;
+    font-size: 13.5px;
+    border-bottom: 1px solid #f1f5f9;
+  }
+
+  .r {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+  }
+
+  tr.loi-dep-selected td {
+    background: #eef2ff;
+  }
+
+  tr.loi-dep-disabled td {
+    color: #94a3b8;
+  }
+}
+
+.loi-dep-calc {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+  padding: 14px 16px;
+  margin: 12px 0;
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  background: #fff;
+}
+
+.loi-dep-row {
+  display: flex;
+  justify-content: space-between;
+  gap: 12px;
+  font-size: 13.5px;
+  color: #334155;
+
+  b {
+    font-variant-numeric: tabular-nums;
+    color: #0f172a;
+  }
+}
+
+.loi-dep-total {
+  padding-top: 10px;
+  border-top: 1px dashed #cbd5e1;
+  font-size: 15px;
+
+  b {
+    color: #15803d;
+    font-size: 16px;
+  }
+}
+
+.loi-dep-fields {
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 14px;
+  margin-bottom: 10px;
+
+  @media (width <= 700px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.loi-deposit-ok {
+  margin: 6px 0;
+  padding: 10px 14px;
+  border: 1px solid #bbf7d0;
+  border-radius: 8px;
+  background: #f0fdf4;
+  color: #15803d;
+  font-size: 13px;
+}
+
+.loi-lien-cert {
+  margin: 12px 0;
+  padding: 14px 18px;
+  border: 2px dashed #94a3b8;
+  border-radius: 10px;
+  background: #fffef7;
+  font-size: 13px;
+  line-height: 1.6;
+  color: #334155;
+}
+
+.pg-btn:disabled {
+  opacity: 0.45;
+  cursor: not-allowed;
+}
+
+.loi-approval-wait {
+  margin: 10px 0;
+  padding: 12px 14px;
+  border: 1px solid #fde68a;
+  border-radius: 8px;
+  background: #fffbeb;
+  color: #92400e;
+  font-size: 13px;
+  line-height: 1.5;
+}
+
+.loi-verified {
+  margin: 8px 0 12px;
+  padding: 12px 14px;
+  border: 1px solid #e2e8f0;
+  border-radius: 8px;
+  background: #fff;
+  font-size: 13px;
+  color: #334155;
+
+  ul {
+    margin: 6px 0 0;
+    padding-left: 0;
+    list-style: none;
+  }
+
+  li {
+    padding: 2px 0;
+    color: #15803d;
+  }
+
+  .loi-verified--no {
+    color: #b91c1c;
+  }
+}
+
+.loi-locked {
+  pointer-events: none;
+  opacity: 0.75;
+}
+
+.loi-checker {
+  margin: 8px 0 12px;
+  padding: 12px 14px;
+  border: 1px solid #c7d2fe;
+  border-radius: 8px;
+  background: #eef2ff;
+  font-size: 13px;
+  color: #1e1b4b;
+}
+
+/* A stage sent for approval: files can still be opened (View), nothing can be added, replaced or removed. */
+.loi-docs-locked {
+  label.pg-btn,
+  .loi-legal-doc-thumb-remove,
+  .loi-doc-remove,
+  .loi-custom-doc-input,
+  .loan-action-row {
+    display: none !important;
+  }
+}
+
+.loi-view-link {
+  margin-left: 8px;
+  padding: 2px 10px;
+  border: 1px solid #c7d2fe;
+  border-radius: 999px;
+  background: #eef2ff;
+  color: #3730a3;
+  font-size: 12px;
+  font-weight: 600;
+  cursor: pointer;
+}

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

@@ -9,7 +9,13 @@
 import { Injectable, inject } from '@angular/core';
 import { HttpClient } from '@angular/common/http';
 import { Observable } from 'rxjs';
-import { LoanApplication } from './loan-origination-data';
+import { map } from 'rxjs/operators';
+import { BranchMaster, LoanApplication } from './loan-origination-data';
+
+/** The code a branch carries on an application: the Fineract office it belongs to (office 1 is "OFF1"). */
+export function officeBranchCode(officeId: number | string): string {
+  return `OFF${officeId}`;
+}
 
 /**
  * Persistence for the Loan Origination Pipeline, in two deliberately different shapes.
@@ -29,6 +35,23 @@ export class LoanOriginationService {
 
   private readonly baseUrl = '/loan-origination/applications';
 
+  /** One fixed or recurring deposit account with its balance, rate and maturity. */
+  getDepositAccount(kind: 'FD' | 'RD', accountId: number): Observable<any> {
+    return this.http.get(`/${kind === 'FD' ? 'fixeddepositaccounts' : 'recurringdepositaccounts'}/${accountId}`);
+  }
+
+  /** The bank's real branches: every office of the organisation, in hierarchy order. */
+  listBranches(): Observable<BranchMaster[]> {
+    return this.http.get<{ id: number; name: string; hierarchy?: string }[]>('/offices').pipe(
+      map((offices) =>
+        (offices ?? [])
+          .slice()
+          .sort((a, b) => (a.hierarchy ?? '').localeCompare(b.hierarchy ?? '') || a.id - b.id)
+          .map((office) => ({ code: officeBranchCode(office.id), name: office.name }))
+      )
+    );
+  }
+
   list(): Observable<LoanApplication[]> {
     return this.http.get<LoanApplication[]>(this.baseUrl);
   }
@@ -67,6 +90,10 @@ export class LoanOriginationService {
     return this.http.post<LoanApplication>(`${this.baseUrl}/${encodeURIComponent(applicationNo)}/${path}`, body);
   }
 
+  completeDepositSelection(applicationNo: string, actionBy: string, remarks?: string): Observable<LoanApplication> {
+    return this.stage(applicationNo, 'deposit-selection-complete', { actionBy, remarks });
+  }
+
   completeKyc(applicationNo: string, actionBy: string, remarks?: string): Observable<LoanApplication> {
     return this.stage(applicationNo, 'kyc-complete', { actionBy, remarks });
   }
@@ -124,11 +151,31 @@ export class LoanOriginationService {
       remarks?: string;
       resolutionNo?: string;
       resolutionDate?: string;
+      checkerChecklist?: { label: string; ok: boolean }[];
     }
   ): Observable<LoanApplication> {
     return this.stage(applicationNo, `approvals/${field}`, body);
   }
 
+  submitApproval(
+    applicationNo: string,
+    field: string,
+    body: {
+      decision: 'APPROVED' | 'EXCEPTION_APPROVED';
+      approverRole: string;
+      remarks?: string;
+      resolutionNo?: string;
+      resolutionDate?: string;
+      checklist?: { label: string; ok: boolean }[];
+    }
+  ): Observable<LoanApplication> {
+    return this.stage(applicationNo, `approvals/${field}/submit`, body);
+  }
+
+  withdrawApproval(applicationNo: string, field: string): Observable<LoanApplication> {
+    return this.stage(applicationNo, `approvals/${field}/withdraw`, {});
+  }
+
   markSigned(applicationNo: string, actionBy: string): Observable<LoanApplication> {
     return this.stage(applicationNo, 'signing', { actionBy });
   }

src/app/loan-origination/loan-pipeline/loan-pipeline.component.html

@@ -171,6 +171,51 @@
       </div>
     </div>
 
+    @if (awaitingApproval.length > 0) {
+      <div class="pg-card">
+        <div class="pos-section-label">Awaiting Approval ({{ awaitingApproval.length }})</div>
+        <div class="pg-table-scroll">
+          <table class="pg-table">
+            <thead>
+              <tr>
+                <th>Application No</th>
+                <th>Applicant</th>
+                <th>Stage</th>
+                <th>Sent by</th>
+                <th>Sent on</th>
+                <th>For you</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (row of awaitingApproval; track row.app.applicationNo + row.stage) {
+                <tr class="cctr-branch-row" (click)="openApplication(row.app)">
+                  <td>
+                    <span class="pg-chip">{{ row.app.applicationNo }}</span>
+                  </td>
+                  <td>{{ row.app.applicantName }}</td>
+                  <td>
+                    {{ row.stage }}
+                    @if (row.exception) {
+                      (exception)
+                    }
+                  </td>
+                  <td>{{ row.sentBy }}</td>
+                  <td>{{ row.sentOn }}</td>
+                  <td>
+                    @if (row.mine) {
+                      <span class="loan-badge loan-badge--hold">Sent by you — waiting for another user</span>
+                    } @else {
+                      <span class="loan-badge loan-badge--missing">Needs your decision</span>
+                    }
+                  </td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        </div>
+      </div>
+    }
+
     <div class="pg-card">
       <div class="pos-section-label">Applications ({{ filteredApplications.length }})</div>
       <div class="pg-table-scroll">
@@ -304,18 +349,37 @@
           </select>
         </label>
         <label class="inv-form-field">
-          <span>* Product</span>
+          <span>* Product Type</span>
-          <select [(ngModel)]="newApp.productCode" (ngModelChange)="onProductChange()">
+          <select [(ngModel)]="newApp.productGroup" (ngModelChange)="onProductGroupChange()">
-            @for (p of products; track p.code) {
+            <option value="">Select product type</option>
-              <option [value]="p.code">{{ p.name }}</option>
+            @for (g of productGroups; track g.id) {
+              <option [value]="g.id">{{ g.label }}</option>
             }
           </select>
         </label>
         <label class="inv-form-field">
-          <span>* Product Type</span>
+          <span>* Sub Type</span>
-          <select [(ngModel)]="newApp.productType">
+          <select
-            @for (t of newAppProductTypeOptions; track t) {
+            [(ngModel)]="newApp.productSubType"
-              <option [value]="t">{{ productTypeLabels[t] }}</option>
+            (ngModelChange)="onSubTypeChange()"
+            [disabled]="!newApp.productGroup"
+          >
+            <option value="">Select sub type</option>
+            @for (t of subTypeOptions; track t.id) {
+              <option [value]="t.id">{{ t.label }}</option>
+            }
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>* Product</span>
+          <select
+            [(ngModel)]="newApp.productCode"
+            (ngModelChange)="onProductChange()"
+            [disabled]="!newApp.productSubType"
+          >
+            <option value="">{{ loadingProducts ? 'Loading products…' : 'Select product' }}</option>
+            @for (p of productOptions; track p.id) {
+              <option [value]="p.shortName">{{ p.name }}</option>
             }
           </select>
         </label>
@@ -325,7 +389,12 @@
         </label>
         <label class="inv-form-field">
           <span>Tenure (Months)</span>
-          <input type="number" [(ngModel)]="newApp.tenureMonths" placeholder="e.g. 36" />
+          <select [(ngModel)]="newApp.tenureMonths" [disabled]="!selectedProduct">
+            <option [ngValue]="null">{{ selectedProduct ? 'Select tenure' : 'Select a product first' }}</option>
+            @for (m of tenureOptions; track m) {
+              <option [ngValue]="m">{{ m }} months</option>
+            }
+          </select>
         </label>
       </div>
 

src/app/loan-origination/loan-pipeline/loan-pipeline.component.ts

@@ -13,9 +13,10 @@ 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 { LoanOriginationService } from '../loan-origination.service';
+import { LoanOriginationService, officeBranchCode } from '../loan-origination.service';
+import { LoanProductCatalogService } from '../../loans/services/loan-product-catalog.service';
+import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from '../../products/loan-products/loan-product-types';
 import {
-  BRANCHES,
   BranchMaster,
   branchTargetAmount,
   Channel,
@@ -25,10 +26,10 @@ import {
   generateSeedApplications,
   LoanApplication,
   ORIGINATION_PRODUCTS,
+  registerOriginationProduct,
   OriginationStage,
   OverallStatus,
   PRODUCT_TARGET_PCT,
-  PRODUCT_TYPE_LABELS,
   ProductType,
   SHARE_LINKAGE_SLABS,
   STAGE_LABELS,
@@ -36,9 +37,7 @@ import {
   STATUS_LABELS,
   TARGET_STATUS_LABELS,
   TargetStatus,
-  allowedProductTypes,
   createApplication,
-  defaultProductType,
   progressPct,
   stageBadgeClass,
   targetStatus,
@@ -124,7 +123,12 @@ export class LoanPipelineComponent implements OnInit {
   readonly stageLabels = STAGE_LABELS;
   readonly statusLabels = STATUS_LABELS;
   readonly channelLabels = CHANNEL_LABELS;
-  readonly branches = BRANCHES;
+  /** The bank's offices (real). Until they load, the logged-in user's own office is the only choice. */
+  branches: BranchMaster[] = [];
+  /** Active products saved in Product Creation -- the only products an application can be taken for. */
+  dbProducts: any[] = [];
+  loadingProducts = true;
+  readonly productGroups = PRODUCT_TYPE_GROUPS;
   readonly products = ORIGINATION_PRODUCTS;
   readonly shareLinkageSlabs = SHARE_LINKAGE_SLABS;
   asOnDate = todayDDMMYYYY();
@@ -152,26 +156,63 @@ export class LoanPipelineComponent implements OnInit {
     customerType: 'NEW' as CustomerType,
     applicantName: '',
     clientId: null as number | null,
-    branchCode: this.branches[0].code,
+    branchCode: '',
-    productCode: this.products[0].code,
+    productGroup: '',
-    productType: defaultProductType(this.products[0].code),
+    productSubType: '',
+    productCode: '',
+    productType: 'TERM_LOAN' as ProductType,
     requestedAmount: null as number | null,
     tenureMonths: null as number | null
   };
 
-  readonly productTypeLabels = PRODUCT_TYPE_LABELS;
+  /** Sub types of the chosen Product Type that actually have an active product saved. */
-
+  get subTypeOptions() {
-  /** Which Product Types the currently-selected product can be sanctioned as -- Cash Credit/KCC
+    const group = this.newApp.productGroup;
-   *  are Overdraft-only, Gold Loan offers both, everything else is Term Loan-only. */
+    return (PRODUCT_SUB_TYPES[group] ?? []).filter((t) =>
-  get newAppProductTypeOptions(): ProductType[] {
+      this.dbProducts.some(
-    return allowedProductTypes(this.newApp.productCode);
+        (p) => p.advanceExtensions?.productTypeGroup === group && p.advanceExtensions?.productTypeSubGroup === t.id
+      )
+    );
   }
 
-  /** Switching Product can change which Product Types are even valid -- reset to that product's
+  /** The products saved in the database for the chosen Product Type and Sub Type. */
-   *  default rather than leaving a stale selection (e.g. "Overdraft" left over from Gold Loan)
+  get productOptions(): any[] {
-   *  on a product that doesn't offer it. */
+    return this.dbProducts.filter(
+      (p) =>
+        p.advanceExtensions?.productTypeGroup === this.newApp.productGroup &&
+        p.advanceExtensions?.productTypeSubGroup === this.newApp.productSubType
+    );
+  }
+
+  /** Only the tenures the chosen product allows (its min to max, in months). */
+  get tenureOptions(): number[] {
+    const p = this.selectedProduct;
+    if (!p) {
+      return [];
+    }
+    return Array.from({ length: Math.max(0, p.maxTenure - p.minTenure + 1) }, (_, i) => p.minTenure + i);
+  }
+
+  get selectedProduct() {
+    return this.products.find((p) => p.code === this.newApp.productCode) || null;
+  }
+
+  onProductGroupChange(): void {
+    this.newApp.productSubType = '';
+    this.newApp.productCode = '';
+  }
+
+  onSubTypeChange(): void {
+    const options = this.productOptions;
+    this.newApp.productCode = options.length === 1 ? options[0].shortName : '';
+    this.onProductChange();
+  }
+
+  /** Advances have no EMI (revolving limit); Loans are EMI term loans. */
   onProductChange(): void {
-    this.newApp.productType = defaultProductType(this.newApp.productCode);
+    this.newApp.productType = this.newApp.productGroup === 'advances' ? 'OVERDRAFT' : 'TERM_LOAN';
+    const product = this.selectedProduct;
+    this.newApp.tenureMonths = product ? product.minTenure : null;
   }
 
   /** Existing-customer search (real Fineract clients, unlike the rest of this mock pipeline). */
@@ -189,6 +230,7 @@ export class LoanPipelineComponent implements OnInit {
   private readonly auth = inject(AuthenticationService);
   private readonly clientsService = inject(ClientsService);
   private readonly originationService = inject(LoanOriginationService);
+  private readonly catalog = inject(LoanProductCatalogService);
 
   /** The live book, loaded from the database. Every count, report and filter on this screen derives
    *  from this one array, so the list can never disagree with what an application actually says. */
@@ -221,17 +263,27 @@ export class LoanPipelineComponent implements OnInit {
     const creds = this.auth.getCredentials();
     this.isHeadOffice = this.auth.isHeadOfficeUser();
     this.currentOfficeName = creds?.officeName || 'Branch Office';
-    if (this.isHeadOffice) {
+    this.ownBranchCode = creds?.officeId ? officeBranchCode(creds.officeId) : null;
-      this.branchFilter = '';
+    // The logged-in user's own office is the default branch. A branch-level login can only originate for its own branch:
-    } else {
+    // the select is disabled and `saveNewApplication` forces the code again, so it is locked here and not just hidden.
-      this.ownBranchCode =
+    this.branches = this.ownBranchCode ? [{ code: this.ownBranchCode, name: this.currentOfficeName }] : [];
-        this.branches.find((b: BranchMaster) => this.currentOfficeName.toLowerCase().includes(b.name.toLowerCase()))
+    this.branchFilter = this.isHeadOffice ? '' : this.ownBranchCode || '';
-          ?.code || null;
+    this.newApp.branchCode = this.ownBranchCode || '';
-      this.branchFilter = this.ownBranchCode || this.branches[0].code;
+    this.catalog.activeProducts().subscribe((products) => {
-      // A branch-level login can only originate applications for its own branch — locked here,
+      this.dbProducts = products.filter((p) => p.shortName && p.advanceExtensions?.productTypeGroup);
-      // not just hidden, since the New Application form posts whatever branchCode is bound.
+      this.dbProducts.forEach((p) => registerOriginationProduct(p));
-      this.newApp.branchCode = this.branchFilter;
+      this.loadingProducts = false;
-    }
+    });
+    this.originationService.listBranches().subscribe({
+      next: (offices) => {
+        if (offices.length > 0) {
+          this.branches = offices;
+        }
+      },
+      error: () => {
+        /* keep the user's own office as the only choice */
+      }
+    });
 
     this.loadApplications();
   }
@@ -310,6 +362,42 @@ export class LoanPipelineComponent implements OnInit {
     return this.branchFilter ? this.applications.filter((a) => a.branchCode === this.branchFilter) : this.applications;
   }
 
+  private get currentUserName(): string {
+    return (this.auth.getCredentials()?.username ?? '').toLowerCase();
+  }
+
+  /** Applications with an approval sent and waiting for a decision (maker-checker), newest first. */
+  get awaitingApproval() {
+    const rows: {
+      app: LoanApplication;
+      stage: string;
+      sentBy: string;
+      sentOn: string;
+      mine: boolean;
+      exception: boolean;
+    }[] = [];
+    this.applications.forEach((app) => {
+      Object.entries(app.approvalRequests ?? {}).forEach(
+        ([
+          ,
+          request
+        ]) => {
+          if (request && request.status === 'PENDING') {
+            rows.push({
+              app,
+              stage: STAGE_LABELS[app.currentStage],
+              sentBy: request.submittedBy,
+              sentOn: request.submittedOn,
+              mine: (request.submittedBy ?? '').toLowerCase() === this.currentUserName,
+              exception: request.requestedDecision === 'EXCEPTION_APPROVED'
+            });
+          }
+        }
+      );
+    });
+    return rows;
+  }
+
   get filteredApplications(): LoanApplication[] {
     return this.scopedApplications.filter((a) => {
       if (this.channelFilter && a.channel !== this.channelFilter) {
@@ -543,7 +631,7 @@ export class LoanPipelineComponent implements OnInit {
 
   // -------------------- New Application intake --------------------
   productOf(code: string) {
-    return this.products.find((p) => p.code === code) || this.products[0];
+    return this.products.find((p) => p.code === code);
   }
 
   /** Switching Customer Type away from "Existing" drops any client picked under the old mode --
@@ -608,8 +696,27 @@ export class LoanPipelineComponent implements OnInit {
     if (!this.isHeadOffice && this.ownBranchCode) {
       this.newApp.branchCode = this.ownBranchCode;
     }
-    const branch = this.branches.find((b) => b.code === this.newApp.branchCode) || this.branches[0];
+    const branch = this.branches.find((b) => b.code === this.newApp.branchCode) ||
+      this.branches[0] || { code: this.newApp.branchCode, name: this.currentOfficeName };
     const product = this.productOf(this.newApp.productCode);
+    if (!product) {
+      this.toast('Select the Product Type, Sub Type and Product.');
+      return;
+    }
+    if (
+      this.newApp.requestedAmount &&
+      (this.newApp.requestedAmount < product.minAmt || this.newApp.requestedAmount > product.maxAmt)
+    ) {
+      this.toast(
+        `Amount must be between ₹${product.minAmt.toLocaleString('en-IN')} and ₹${product.maxAmt.toLocaleString('en-IN')} for ${product.name}.`
+      );
+      return;
+    }
+    const tenure = this.newApp.tenureMonths || product.minTenure;
+    if (tenure < product.minTenure || tenure > product.maxTenure) {
+      this.toast(`Tenure must be between ${product.minTenure} and ${product.maxTenure} months for ${product.name}.`);
+      return;
+    }
     const seq = this.applications.length + 20000;
     const app = createApplication(
       {
@@ -644,9 +751,11 @@ export class LoanPipelineComponent implements OnInit {
           customerType: 'NEW',
           applicantName: '',
           clientId: null,
-          branchCode: this.isHeadOffice ? this.branches[0].code : this.ownBranchCode || this.branches[0].code,
+          branchCode: this.ownBranchCode || this.branches[0]?.code || '',
-          productCode: this.products[0].code,
+          productGroup: '',
-          productType: defaultProductType(this.products[0].code),
+          productSubType: '',
+          productCode: '',
+          productType: 'TERM_LOAN',
           requestedAmount: null,
           tenureMonths: null
         };

src/app/products/loan-products/loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component.html

@@ -90,7 +90,7 @@
         @if (tenureBand; as band) {
           <mat-hint>
             {{ band.label }} policy: max {{ band.max }} months
-            @if (band.label === 'FD') {
+            @if (band.depositBacked) {
               (also capped at deposit maturity)
             }
           </mat-hint>

src/app/products/loan-products/loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component.ts

@@ -111,14 +111,27 @@ export class LoanProductAdvanceLimitTenureStepComponent {
   }
 
   /** Bank-policy tenure band per sub type: FD 12 to 15 months, a bullet Gold loan 1 to 12. Others stay open. */
-  private readonly tenureBands: Record<string, { label: string; min: number; max: number; defaultTenure: number }> = {
+  private readonly tenureBands: Record<
-    fd: { label: 'FD', min: 12, max: 15, defaultTenure: 12 },
+    string,
+    { label: string; min: number; max: number; defaultTenure: number; depositBacked?: boolean }
+  > = {
+    // A loan against a deposit or policy is a short-term advance: 12 to 15 months for all four, and never past maturity.
+    fd: { label: 'FD', min: 12, max: 15, defaultTenure: 12, depositBacked: true },
+    rd: { label: 'RD', min: 12, max: 15, defaultTenure: 12, depositBacked: true },
+    dds: { label: 'DDS', min: 12, max: 15, defaultTenure: 12, depositBacked: true },
+    lic: { label: 'LIC', min: 12, max: 15, defaultTenure: 12, depositBacked: true },
     gold: { label: 'Gold', min: 1, max: 12, defaultTenure: 12 },
     warehouse: { label: 'Warehouse', min: 1, max: 12, defaultTenure: 6 }
   };
 
   /** The policy band in force for the chosen sub type, or null when the sub type is open. */
-  get tenureBand(): { label: string; min: number; max: number; defaultTenure: number } | null {
+  get tenureBand(): {
+    label: string;
+    min: number;
+    max: number;
+    defaultTenure: number;
+    depositBacked?: boolean;
+  } | null {
     return this.tenureBands[this._productSubType] ?? null;
   }
 
@@ -131,7 +144,7 @@ export class LoanProductAdvanceLimitTenureStepComponent {
   }
 
   /**
-   * FD (12–15 months) and Gold (1–12 months) are bank-policy capped; every other sub type stays open (min 1).
+   * FD, RD, DDS and LIC (12–15 months), Gold and Warehouse (1–12 months) are bank-policy capped; every other sub type stays open (min 1).
    * Called whenever the sub type changes so the validators — and thus the wizard's validity gate —
    * match the selected product.
    */

src/environments/.env.ts

@@ -9,8 +9,8 @@
 /* tslint:disable */
 export default {
   'mifos_x': {
-    'version': '261013',
+    'version': '261022',
-    'hash': 'd88f2a6eb'
+    'hash': 'ec550b179'
   },
   'allow_switching_backend_instance': true
 };