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Merge branch 'dev-latest' into feature/advanceLoanProduct

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sonali
2026-10-07 15:44:36 +05:30
parent 0ea57b3f82 6b0f218b70
commit a5a64d4efe
238 changed files with 21432 additions and 3047 deletions
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src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.ts
+226 -458
View File
@@ -6,13 +6,30 @@
* file, You can obtain one at http://mozilla.org/MPL/2.0/.
*/
import { Component, inject } from '@angular/core';
import { Component, OnInit, inject } from '@angular/core';
import { CommonModule, DecimalPipe } from '@angular/common';
import { MatDialogRef, MatDialogModule } from '@angular/material/dialog';
import { MatButtonModule } from '@angular/material/button';
import { MatTabsModule } from '@angular/material/tabs';
import { MatTooltipModule } from '@angular/material/tooltip';
import { FaIconComponent } from '@fortawesome/angular-fontawesome';
import { RbiCircularsService } from '../../../rbi-circulars/rbi-circulars.service';
/** One account under a head, at the base date and the reporting date. */
interface CrrSlrRow {
sl: string;
name: string;
sub: string;
code: string;
opening: string;
current: string;
/** The figures themselves, kept so totals add from values rather than from formatted text. */
openingValue: number | null;
currentValue: number | null;
change: string;
changeDir: 'up' | 'dn' | 'flat';
status: string;
}
@Component({
selector: 'mifosx-crr-slr-dialog',
@@ -29,477 +46,228 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
FaIconComponent
]
})
export class CrrSlrDialogComponent {
export class CrrSlrDialogComponent implements OnInit {
private dialogRef = inject(MatDialogRef<CrrSlrDialogComponent>);
private rbi = inject(RbiCircularsService);
activeTab: 'demand' | 'time' | 'assets' | 'slr' = 'demand';
/** Reporting fortnight date — 45 days before current date */
today = new Date();
reportingDate: Date;
reportingDateStr: string;
/** The date the figures were struck at, as the return itself reports it. */
reportingDateStr = '';
/** NDTL & Reserve computations */
readonly totalDemand = 12843.5;
readonly totalTime = 64618.0;
readonly totalBankingAssets = 8240.2;
readonly ndtl = 69221.3; // Demand + Time - Banking Assets
readonly crrRate = 3; // Current RBI CRR rate (%)
readonly slrRate = 18; // Current RBI SLR rate (%)
readonly crrRequired = 69221.3 * 0.03; // ₹2,076.64 Cr
readonly slrRequired = 69221.3 * 0.18; // ₹12,459.83 Cr
readonly totalLiquidAssets = 13238.8;
readonly slrActualPercent = +((13238.8 / 69221.3) * 100).toFixed(2); // 19.12%
readonly slrSurplus = +(13238.8 - 69221.3 * 0.18).toFixed(2); // 778.97
readonly totalReserve = +(69221.3 * 0.03 + 69221.3 * 0.18).toFixed(2); // 14,536.47
/**
* The close the ratios are charged on — the second preceding fortnight, not the one reported.
*
* Named on screen because the gap between the two is the whole of how the rules work: a bank
* cannot hold a reserve against liabilities it does not yet know, so the requirement is fixed on
* a position already struck and reported. A screen showing one date invites a reader to think the
* requirement was worked out on the day it is shown against.
*/
baseDateStr = '';
constructor() {
// CRR/SLR uses data from 45 days ago
const lagDays = 45;
this.reportingDate = new Date(this.today);
this.reportingDate.setDate(this.reportingDate.getDate() - lagDays);
this.reportingDateStr = this.reportingDate.toLocaleDateString('en-IN', {
day: '2-digit',
month: 'short',
year: 'numeric'
loading = true;
/** Set when the return could not be computed — and why, in the return's own words. */
unavailable = '';
/**
* The NDTL computation, read from the return rather than stated here.
*
* These were fixed numbers until now — a demonstration screen that showed ₹69,221 Cr whatever the
* ledger held. The figures are the bank's own regulatory position, so a plausible-looking number
* is worse than no number: it reads as a reported figure and cannot be told apart from one.
*
* Null until the return answers, and left null where it cannot compute. The template shows a dash
* for a null, which says "not reported" where a zero would say "reported as nil".
*/
totalDemand: number | null = null;
totalTime: number | null = null;
totalBankingAssets: number | null = null;
ndtl: number | null = null;
crrRate: number | null = null;
slrRate: number | null = null;
crrRequired: number | null = null;
slrRequired: number | null = null;
totalLiquidAssets: number | null = null;
slrActualPercent: number | null = null;
slrSurplus: number | null = null;
totalReserve: number | null = null;
/**
* A figure for display, or a dash where the return did not carry one.
*
* A dash and a zero say different things — "not reported" against "reported as nil" — and on a
* regulatory screen the difference decides whether anyone goes looking for the missing mapping.
*/
crore(value: number | null): string {
if (value === null) {
return '—';
}
return `₹${value.toLocaleString('en-IN', { maximumFractionDigits: 0 })}`;
}
ngOnInit(): void {
// The return is reported in rupees; this screen reads in crore, as a dashboard tile does.
const toCrore = (v: number | null | undefined): number | null =>
v === null || v === undefined ? null : +(v / 1e7).toFixed(2);
// The statutory Form 1, not the working report. Form 1 is filed twice a month — at the 15th and
// at the month end — and this screen should show the close the bank last filed, not a position
// struck 45 days back by a lag rule that belongs to the other report. Those two disagree by
// weeks, and the 45-day one lands mid-fortnight on a date the bank never reported.
this.rbi.getForm1Statutory().subscribe({
next: (data: any) => {
this.loading = false;
// The later of the two closes the return reports — the one the bank most recently filed.
const columns: string[] = data?.columns ?? [];
const latest = columns.length - 1;
this.reportingDateStr = columns[latest] ?? '';
this.baseDateStr = data?.baseColumns?.[latest] ?? '';
this.crrRate = data?.crrPercentage ?? null;
this.slrRate = data?.slrPercentage ?? null;
if (!columns.length) {
this.unavailable =
data?.unmetRequirements?.[0] ?? 'Form 1 could not be computed. Check the CRR/SLR configuration in Admin.';
return;
}
// The return computes but says something would make it wrong to file — a rate never set, a
// base date the ledger cannot answer. Shown rather than swallowed: the reason is the thing
// an administrator needs in order to fix it.
this.unavailable = data?.unmetRequirements?.[0] ?? '';
// Part A's own lines, read by the Roman numeral each carries. Read from the return rather
// than recomputed, so this screen and the filed form cannot come to disagree.
const lines: any[] = data?.partA?.lines ?? [];
const at = (startsWith: string): number | null => {
const line = lines.find((l: any) => String(l?.label ?? '').startsWith(startsWith));
return line?.values?.[latest] ?? null;
};
this.totalDemand = toCrore(at('(A) Demand liabilities'));
this.totalTime = toCrore(at('(B) Time liabilities'));
this.totalBankingAssets = toCrore(at('TOTAL OF III'));
// IV(b) is the base the ratios are actually charged on — the figure behind the requirement,
// not the bank's liabilities on the day being reported.
this.ndtl = toCrore(at('IV. b)'));
this.crrRequired = toCrore(data?.partB?.required?.[latest]);
this.slrRequired = toCrore(data?.partC?.required?.[latest]);
this.totalLiquidAssets = toCrore(data?.partC?.maintained?.[latest]);
if (this.slrRequired !== null && this.totalLiquidAssets !== null) {
this.slrSurplus = +(this.totalLiquidAssets - this.slrRequired).toFixed(2);
}
if (this.ndtl) {
this.slrActualPercent =
this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.ndtl) * 100).toFixed(2);
}
if (this.crrRequired !== null && this.slrRequired !== null) {
this.totalReserve = +(this.crrRequired + this.slrRequired).toFixed(2);
}
this.fillTabs(lines, latest);
},
error: () => {
this.loading = false;
this.unavailable = 'The CRR/SLR position could not be read. The return service did not respond.';
}
});
}
demandLiabilities = [
{
sl: '01',
name: 'Current Account Deposits',
sub: 'Corporate & individual CA balances',
code: '2001-CA',
opening: '3,842.50',
current: '4,120.75',
change: '+278.25',
changeDir: 'up',
status: 'Active'
},
{
sl: '02',
name: 'Savings Bank Deposits (Withdrawable)',
sub: 'Demand portion — 10% of SB balance',
code: '2002-SB',
opening: '1,240.00',
current: '1,318.40',
change: '+78.40',
changeDir: 'up',
status: 'Active'
},
{
sl: '03',
name: 'Demand Drafts Payable',
sub: 'Issued DDs outstanding for payment',
code: '2003-DD',
opening: '284.20',
current: '311.60',
change: '+27.40',
changeDir: 'up',
status: 'Active'
},
{
sl: '04',
name: "Banker's Cheques / Pay Orders",
sub: 'Issued pay orders pending encashment',
code: '2004-PO',
opening: '198.75',
current: '176.30',
change: '-22.45',
changeDir: 'dn',
status: 'Active'
},
{
sl: '05',
name: 'Credit Balance in Cash Credit Accounts',
sub: 'CC accounts in credit position',
code: '2005-CC',
opening: '542.10',
current: '618.90',
change: '+76.80',
changeDir: 'up',
status: 'Active'
},
{
sl: '06',
name: 'Overdue Fixed Deposits',
sub: 'FDs past maturity — treated as demand',
code: '2006-OFD',
opening: '89.40',
current: '112.85',
change: '+23.45',
changeDir: 'dn',
status: 'Overdue'
},
{
sl: '07',
name: 'Interest Payable on Demand Deposits',
sub: 'Accrued interest on CA/SB',
code: '2007-INT',
opening: '34.20',
current: '38.55',
change: '+4.35',
changeDir: 'up',
status: 'Active'
},
{
sl: '08',
name: 'Margins held against Letters of Credit',
sub: 'Withdrawable LC margin deposits',
code: '2008-LCM',
opening: '412.60',
current: '388.20',
change: '-24.40',
changeDir: 'dn',
status: 'Active'
},
{
sl: '09',
name: 'Margins held against Bank Guarantees',
sub: 'Withdrawable BG margin deposits',
code: '2009-BGM',
opening: '318.40',
current: '342.10',
change: '+23.70',
changeDir: 'up',
status: 'Active'
},
{
sl: '10',
name: 'Security Deposits (Withdrawable)',
sub: 'EMD / SD refundable on demand',
code: '2010-SD',
opening: '124.80',
current: '118.60',
change: '-6.20',
changeDir: 'dn',
status: 'Active'
},
{
sl: '11',
name: 'Unclaimed Deposits (Demand Portion)',
sub: 'Balances unclaimed >10 years',
code: '2011-UCD',
opening: '56.30',
current: '59.40',
change: '+3.10',
changeDir: 'dn',
status: 'Unclaimed'
},
{
sl: '12',
name: 'Inter-Bank Demand Deposits',
sub: 'Demand deposits from other banks',
code: '2012-IBD',
opening: '2,840.00',
current: '3,120.50',
change: '+280.50',
changeDir: 'up',
status: 'Active'
},
{
sl: '13',
name: 'Clearing Adjustments / Balances',
sub: 'Net clearing settlement balances',
code: '2013-CLR',
opening: '186.40',
current: '210.80',
change: '+24.40',
changeDir: 'up',
status: 'Active'
},
{
sl: '14',
name: 'Outstanding Payment Instruments',
sub: 'Cheques issued but not yet presented',
code: '2014-OPI',
opening: '142.60',
current: '158.90',
change: '+16.30',
changeDir: 'up',
status: 'Active'
},
{
sl: '15',
name: 'Demand Liabilities towards Other Banks',
sub: 'Nostro / Vostro demand obligations',
code: '2015-DLB',
opening: '984.20',
current: '1,048.60',
change: '+64.40',
changeDir: 'up',
status: 'Active'
},
{
sl: '16',
name: 'Deposits Repayable on Demand',
sub: 'Miscellaneous on-demand deposits',
code: '2016-DRD',
opening: '618.30',
current: '698.05',
change: '+79.75',
changeDir: 'up',
status: 'Active'
/**
* The four tabs, filled from the return's own lines.
*
* These were four fixed lists until now — 435 lines of invented accounts with invented balances,
* which a reader had no way to tell apart from the bank's real position. They are now built from
* the accounts the return actually read, so a tab is empty exactly when the bank has nothing
* mapped under that head, and says so.
*/
demandLiabilities: CrrSlrRow[] = [];
timeLiabilities: CrrSlrRow[] = [];
bankingAssets: CrrSlrRow[] = [];
liquidAssets: CrrSlrRow[] = [];
/**
* Turns Part A's lines into the rows a tab shows.
*
* The form reports each head at both of the closes it carries, so the earlier column is the
* opening and the later one the current — the same pair these tables have always shown, now taken
* from the form rather than invented. Headings and totals are skipped: a heading carries no
* figure, and a total would be added a second time by the footer below.
*/
private rowsFrom(lines: any[], latest: number, match: (label: string) => boolean): CrrSlrRow[] {
const rows: CrrSlrRow[] = [];
for (const line of lines ?? []) {
const label = String(line?.label ?? '');
if (line?.heading || line?.total || !line?.values || !match(label)) {
continue;
}
const opening = latest > 0 ? (line.values[latest - 1] ?? null) : null;
const current = line.values[latest] ?? null;
const change = opening === null || current === null ? null : current - opening;
rows.push({
sl: String(rows.length + 1).padStart(2, '0'),
// The form's own wording, with its numbering trimmed off the front — the table has a column
// of its own for that.
name: label.replace(/^\s*\(?[a-zA-Z0-9]+\)?[.)]?\s*/, '').trim() || label.trim(),
sub: line.configKey ? String(line.configKey).replace(/_/g, ' ') : 'Derived from the form',
code: line.configKey ?? '—',
opening: this.crore(opening),
current: this.crore(current),
openingValue: opening,
currentValue: current,
change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`,
changeDir: change === null ? 'flat' : change >= 0 ? 'up' : 'dn',
// A head with no GL mapped reports nothing, and the form says so rather than reporting nil.
status: line.configured === false ? 'Not mapped' : 'Active'
});
}
];
return rows;
}
timeLiabilities = [
{
sl: '01',
name: 'Fixed Deposits (FD)',
sub: '7 days to 10 years · 6.5–7.2%',
code: '3001-FD',
opening: '28,420.50',
current: '29,184.30',
change: '+763.80',
changeDir: 'up',
status: 'Active'
},
{
sl: '02',
name: 'Recurring Deposits (RD)',
sub: 'Monthly instalment · 6.0–6.8%',
code: '3002-RD',
opening: '4,218.60',
current: '4,412.80',
change: '+194.20',
changeDir: 'up',
status: 'Active'
},
{
sl: '03',
name: 'Time Liability Portion of Savings',
sub: '90% of SB balance treated as time',
code: '3003-SBT',
opening: '10,840.20',
current: '11,204.60',
change: '+364.40',
changeDir: 'up',
status: 'Active'
},
{
sl: '04',
name: 'Reinvestment Deposits',
sub: 'Cumulative interest plans · 7.0%',
code: '3004-RID',
opening: '1,842.40',
current: '1,918.70',
change: '+76.30',
changeDir: 'up',
status: 'Active'
},
{
sl: '05',
name: 'Staff Security Deposits (Fixed Period)',
sub: 'Employee security deposits — locked',
code: '3005-SSD',
opening: '84.60',
current: '86.40',
change: '+1.80',
changeDir: 'up',
status: 'Locked'
},
{
sl: '06',
name: 'Margin Money for Guarantees / LC',
sub: 'LC/BG margins — fixed lock-in period',
code: '3006-MGM',
opening: '620.80',
current: '644.20',
change: '+23.40',
changeDir: 'up',
status: 'Locked'
},
{
sl: '07',
name: 'Certificates of Deposit (CD)',
sub: 'Issued to corporates / FIs · 7.35%',
code: '3007-CD',
opening: '3,840.00',
current: '3,920.50',
change: '+80.50',
changeDir: 'up',
status: 'Active'
},
{
sl: '08',
name: 'Interest Accrued on Time Deposits',
sub: 'Accrued but unpaid interest on FD/RD',
code: '3008-IAT',
opening: '842.60',
current: '918.40',
change: '+75.80',
changeDir: 'up',
status: 'Active'
},
{
sl: '09',
name: 'Long-term Deposits',
sub: 'Tenor >5 years · 7.5%',
code: '3009-LTD',
opening: '5,620.40',
current: '5,818.60',
change: '+198.20',
changeDir: 'up',
status: 'Active'
},
{
sl: '10',
name: 'Tax Saving Deposits',
sub: 'Sec 80C FDs — 5-year lock-in · 6.8%',
code: '3010-TSD',
opening: '1,240.80',
current: '1,318.40',
change: '+77.60',
changeDir: 'up',
status: 'Locked'
},
{
sl: '11',
name: 'Foreign Currency Deposits',
sub: 'FCNR(B), RFC — USD/EUR/GBP',
code: '3011-FCD',
opening: '2,184.60',
current: '2,348.20',
change: '+163.60',
changeDir: 'up',
status: 'Active'
},
{
sl: '12',
name: 'Time Liabilities to Other Banks',
sub: 'Inter-bank term deposits — call money',
code: '3012-TLB',
opening: '1,840.20',
current: '1,924.40',
change: '+84.20',
changeDir: 'up',
status: 'Active'
},
{
sl: '13',
name: 'Term Borrowings',
sub: 'Bonds, debentures, refinance · 8.1%',
code: '3013-TBR',
opening: '1,018.40',
current: '1,118.50',
change: '+100.10',
changeDir: 'up',
status: 'Active'
}
];
/**
* A tab's column total, added from the rows on screen.
*
* Added from the rows rather than stated separately, so the foot of a table always agrees with
* what is above it. The footers used to be fixed text and agreed with nothing.
*
* Summed from each row's own figure, not from the text it displays: a total parsed back out of
* formatted strings would quietly lose the paise the display rounds away.
*/
totalOf(rows: CrrSlrRow[], column: 'openingValue' | 'currentValue'): string {
const values = rows.map((r) => r[column]).filter((v): v is number => v !== null);
return values.length ? this.crore(values.reduce((a, b) => a + b, 0)) : '—';
}
bankingAssets = [
{
sl: '01',
name: 'Balances with Other Banks',
sub: 'Nostro / Vostro balances — SBI, PNB, BOB',
code: '4001-BWB',
opening: '3,840.20',
current: '4,112.40',
change: '+272.20',
changeDir: 'up',
status: 'Active'
},
{
sl: '02',
name: 'Money at Call with Banks',
sub: 'Overnight & short-notice call money',
code: '4002-MCB',
opening: '2,180.50',
current: '2,418.60',
change: '+238.10',
changeDir: 'up',
status: 'Active'
},
{
sl: '03',
name: 'Loans to Banks (Inter-Bank Lending)',
sub: 'Term loans & credit lines to SCBs',
code: '4003-LTB',
opening: '1,580.00',
current: '1,709.20',
change: '+129.20',
changeDir: 'up',
status: 'Active'
/** The movement across a tab, between the two closes the form reports. */
totalChange(rows: CrrSlrRow[]): string {
const opening = rows.map((r) => r.openingValue).filter((v): v is number => v !== null);
const current = rows.map((r) => r.currentValue).filter((v): v is number => v !== null);
if (!opening.length || !current.length) {
return '—';
}
];
const change = current.reduce((a, b) => a + b, 0) - opening.reduce((a, b) => a + b, 0);
return `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`;
}
liquidAssets = [
{
sl: '01',
name: 'Central Government Securities',
sub: 'G-Secs held in HTM, AFS & HFT portfolios',
code: '5001-CGS',
opening: '6,840.50',
current: '7,218.40',
change: '+377.90',
changeDir: 'up',
status: 'Active',
category: 'G-Sec'
},
{
sl: '02',
name: 'State Development Loans (SDLs)',
sub: 'State govt bonds — various maturities',
code: '5002-SDL',
opening: '2,420.30',
current: '2,584.60',
change: '+164.30',
changeDir: 'up',
status: 'Active',
category: 'SDL'
},
{
sl: '03',
name: 'Treasury Bills (91/182/364 day)',
sub: 'Short-term govt securities — discounted',
code: '5003-TB',
opening: '1,840.20',
current: '1,962.80',
change: '+122.60',
changeDir: 'up',
status: 'Active',
category: 'T-Bill'
},
{
sl: '04',
name: 'Gold (valued at current market)',
sub: 'Gold reserves held per RBI valuation norms',
code: '5004-GLD',
opening: '680.40',
current: '724.60',
change: '+44.20',
changeDir: 'up',
status: 'Active',
category: 'Gold'
},
{
sl: '05',
name: 'Special Deposit Scheme with RBI',
sub: 'Deposits placed under SDS — SLR eligible',
code: '5005-SDS',
opening: '420.00',
current: '420.00',
change: '0.00',
changeDir: 'up',
status: 'Active',
category: 'RBI Dep'
},
{
sl: '06',
name: 'NABARD / SIDBI / NHB Bonds',
sub: 'PSE bonds approved as SLR-eligible',
code: '5006-PSE',
opening: '310.80',
current: '328.40',
change: '+17.60',
changeDir: 'up',
status: 'Active',
category: 'PSE Bond'
}
];
/** Fills the four tabs from one reading of the form. */
private fillTabs(lines: any[], latest: number): void {
const has = (label: string, ...words: string[]): boolean => {
const l = label.toLowerCase();
return words.some((w) => l.includes(w));
};
// Matched on how the form labels each head, not on a fixed list of account names: a bank that
// maps a new account to a head gets it on the right tab without this screen being changed.
this.demandLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'demand liabilit'));
this.timeLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'time liabilit') && !has(l, 'demand and time'));
// III — what the banking system owes this bank, which nets off the liability base.
this.bankingAssets = this.rowsFrom(lines, latest, (l) =>
has(l, 'current account balances with sbi', 'balances in all accounts', 'money at call', 'advances and any other')
);
// V, VI and VII — the cash, balances and securities the two ratios are met in.
this.liquidAssets = this.rowsFrom(lines, latest, (l) =>
has(l, 'cash on hand', 'reserve bank of india', 'co-operative bank', 'government securities')
);
}
close(): void {
this.dialogRef.close();