feat(bank-transfer): convert bank transfer to maker-checker approval flow

- submitBankTransfer() now calls submit() with requestType='BANK_TRANSFER'
  instead of the immediate-execution /banktransfer endpoint
- Confirm dialog updated: 'Submit for Approval' instead of 'Execute Transfer'
- disbursement-review: isBankTransferMode getter, separate DR/CR entry tables,
  'Approve Bank Transfer' button label, correct isCollectionMode guard
- Disbursement Requests checker inbox: Type badge (Bank Transfer/Collection/
  Disbursement) column, GL column shows 'Intra-bank transfer' for BT requests
- Checker inbox tab renamed to 'Disbursement & Transfers'

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

src/app/cashier/transaction-entry/transaction-entry.component.ts

@@ -1065,10 +1065,10 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   addRow(): void {
     const active = this.selectedRow;
-    // Disbursement: auto-add mirror CR row (same type/txntp, opposite DR/CR)
-    if (active?.typ === 'Disbursement') {
+    // Disbursement/Bank Transfer: auto-add mirror CR row when active row is DR
+    if ((active?.typ === 'Disbursement' || active?.typ === 'Enter Bank Transfer') && active.dbCr === 'Dr') {
       const mirror: TxnRow = {
-        typ: 'Disbursement',
+        typ: active.typ,
         br: active.br ?? 1,
         trTp: '',
         acTyp: 'SD',
@@ -1125,6 +1125,10 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
         if (!row.dbCr) row.dbCr = 'Dr';
         row.paymentTypeId = this.findTransferPaymentTypeId();
         break;
+      case 'Enter Bank Transfer':
+        if (!row.dbCr) row.dbCr = 'Dr';
+        row.paymentTypeId = this.findTransferPaymentTypeId();
+        break;
     }
   }
 
@@ -1278,6 +1282,69 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       });
   }
 
+  /** Submits an intra-bank book transfer for maker-checker approval. */
+  private submitBankTransfer(): void {
+    const drRows = this.rows.filter((r) => r.dbCr === 'Dr');
+    const crRows = this.rows.filter((r) => r.dbCr === 'Cr');
+    const firstRow = drRows[0] ?? crRows[0];
+
+    const toEntry = (r: TxnRow, dbCr: 'Dr' | 'Cr') => ({
+      dbCr,
+      accountNo: r.acNo,
+      accountName: this.rowAccountNames[r.acNo] ?? r.acNo,
+      accountType: r.acTyp === 'CA' || r.acTyp === 'CB' ? 'CURRENT' : 'SAVINGS',
+      savingsAccountId: this.rowAccountIds[r.acNo],
+      amount: String(r.amount),
+      description: r.description ?? null
+    });
+
+    const allEntries = [
+      ...drRows.map((r) => toEntry(r, 'Dr')),
+      ...crRows.map((r) => toEntry(r, 'Cr'))
+    ];
+
+    const payload = {
+      requestType: 'BANK_TRANSFER',
+      officeId: firstRow?.br ?? 1,
+      currencyCode: 'INR',
+      description: firstRow?.description || undefined,
+      creditEntries: JSON.stringify(allEntries)
+    };
+
+    this.saving = true;
+    this.clerkDisbursementService
+      .submit(payload)
+      .pipe(
+        catchError((err: any) => {
+          const msg =
+            err?.error?.errors?.[0]?.defaultUserMessage ??
+            err?.error?.message ??
+            'Bank transfer submission failed. Please try again.';
+          this.showAlert('error', 'Submission Failed', [msg]);
+          this.saving = false;
+          return of(null);
+        })
+      )
+      .subscribe((res: any) => {
+        this.saving = false;
+        if (res) {
+          const totalDr = drRows.reduce((s, r) => s + (r.amount ?? 0), 0);
+          this.showAlert('success', 'Bank Transfer Submitted', [
+            `Voucher No: ${res.voucherNo}`,
+            `Total: ₹${totalDr.toLocaleString('en-IN', { minimumFractionDigits: 2 })}  ·  DR: ${drRows.length} account(s)  →  CR: ${crRows.length} account(s)`,
+            'Pending Manager approval. Track status in "My Disbursement Requests".'
+          ]);
+          this.rows = [];
+          this.rowAccountIds = {};
+          this.rowAccountNames = {};
+          this.addRow();
+          this.selectedRow = this.rows[0];
+          this.accountDetails = null;
+          this.clientDetails = null;
+        }
+      });
+  }
+
   /** Cashier enters a token number → look up the APPROVED withdrawal request for auto-fill. */
   onTokNoBlur(row: TxnRow): void {
     if (this.isClerk || !row.tokNo?.trim()) return;
@@ -2217,6 +2284,80 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   onSave(): void {
+    // Clerk bank transfer — N DR savings/CA + N CR savings/CA, immediate execution
+    if (this.isClerk && this.rows.length >= 2 && this.rows.every((r) => r.typ === 'Enter Bank Transfer')) {
+      const drRows = this.rows.filter((r) => r.dbCr === 'Dr');
+      const crRows = this.rows.filter((r) => r.dbCr === 'Cr');
+
+      if (drRows.length === 0) {
+        this.showAlert('error', 'DR Row Missing', ['At least one DR row (debit account) is required.']);
+        return;
+      }
+      if (crRows.length === 0) {
+        this.showAlert('error', 'CR Row Missing', ['At least one CR row (credit account) is required.']);
+        return;
+      }
+
+      // Bank transfer: only savings (SD) or current (CA/CB) accounts allowed
+      const allowedTypes = new Set([
+        'SD',
+        'CA',
+        'CB'
+      ]);
+      const invalidAccounts = [
+        ...drRows,
+        ...crRows
+      ].filter((r) => !allowedTypes.has(r.acTyp));
+      if (invalidAccounts.length > 0) {
+        this.showAlert('error', 'Invalid Account Type', [
+          `Account type(s) not allowed in Bank Transfer: ${invalidAccounts.map((r) => r.acTyp + ' (' + r.acNo + ')').join(', ')}`,
+          'Only Savings (SD) and Current (CA) accounts are permitted.',
+          'GL, FD, RD, SHR accounts are not allowed — use Disbursement/Collection instead.'
+        ]);
+        return;
+      }
+
+      const totalDr = drRows.reduce((s, r) => s + (r.amount ?? 0), 0);
+      const totalCr = crRows.reduce((s, r) => s + (r.amount ?? 0), 0);
+
+      if (Math.abs(totalDr - totalCr) > 0.005) {
+        this.showAlert('error', 'Unbalanced Entry', [
+          `DR ₹${totalDr.toLocaleString('en-IN', { minimumFractionDigits: 2 })} ≠ CR ₹${totalCr.toLocaleString('en-IN', { minimumFractionDigits: 2 })}`,
+          'Total DR must equal total CR for a bank transfer.'
+        ]);
+        return;
+      }
+
+      // All accounts must be loaded
+      const unloaded = [
+        ...drRows,
+        ...crRows
+      ].filter((r) => !this.rowAccountIds[r.acNo]);
+      if (unloaded.length > 0) {
+        this.showAlert('error', 'Account Not Loaded', [
+          `Please load account details for: ${unloaded.map((r) => r.acNo).join(', ')}`
+        ]);
+        return;
+      }
+
+      const confirmLines = [
+        `DR (${drRows.length} account${drRows.length !== 1 ? 's' : ''}):`,
+        ...drRows.map(
+          (r) => `  [${r.acTyp}] ${r.acNo}  ₹${(r.amount ?? 0).toLocaleString('en-IN', { minimumFractionDigits: 2 })}`
+        ),
+        `CR (${crRows.length} account${crRows.length !== 1 ? 's' : ''}):`,
+        ...crRows.map(
+          (r) => `  [${r.acTyp}] ${r.acNo}  ₹${(r.amount ?? 0).toLocaleString('en-IN', { minimumFractionDigits: 2 })}`
+        ),
+        `Total: ₹${totalDr.toLocaleString('en-IN', { minimumFractionDigits: 2 })}`,
+        'Transfer requires Manager approval before execution.'
+      ];
+      this.showConfirmAlert('info', 'Confirm Bank Transfer', confirmLines, 'Submit for Approval', () =>
+        this.submitBankTransfer()
+      );
+      return;
+    }
+
     // Clerk multi-row disbursement — handle before single-row guard (selected row may be incomplete)
     if (this.isClerk && this.rows.length >= 2 && this.rows.every((r) => r.typ === 'Disbursement')) {
       const drRows = this.rows.filter((r) => r.dbCr === 'Dr');