feat(investment,npa): RBI-grounded targets, GL-tracked interest posting, date/search pickers
- Correct Investment portfolio allocation and Loan Origination product-mix targets against RBI's UCB SLR/Non-SLR framework and PSL circulars, with a Target Basis column distinguishing RBI-mandated vs board-policy rows (Excel export included). - Expand Investment holdings dataset with more near-term maturities so the Due-Date Diary reflects a realistic spread across FD/Govt Security/Non-SLR/Bond. - Add From/To period-based Interest Calculation & Post (with GL selection for both posting and receiving) across the Investment Interest module, FD Entry and Bond Entry screens; fix a bug where a posted period kept re-appearing as due since accrual wasn't tracked per-holding. - Add a reusable DD-MM-YYYY date-picker component and roll it out across all Investment date fields. - NPA Summary Report: drop SMA-0/1/2 from the stage-wise table (kept in Day-wise Overdue only). - NPA Recovery Report: add Account Type / NPA Category / Target-vs-Actual columns, a shared Account Type filter driving both the account picker and the register, and a searchable (fixed-position, not clipped by card overflow) account select for long lists. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
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Claude Sonnet 5
@@ -1470,16 +1470,30 @@ export function branchTargetAmount(branchCode: string): number {
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return BRANCH_DISBURSEMENT_TARGET[branchCode] || 0;
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}
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/** Target product mix (% of total disbursement) — weighted towards secured Housing/Vehicle
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* lending plus the priority-sector KCC/Cash Credit book, adding up to 100%. */
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/**
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* Target product mix (% of total disbursement). Two of these are genuinely RBI-mandated
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* Priority Sector Lending sub-targets (RBI Master Direction — Priority Sector Lending: Targets
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* and Classification, FIDD.CO.Plan.BC.13/04.09.01/2020-21, as extended to UCBs) —
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* • Agriculture: 18% of Adjusted Net Bank Credit (ANBC) — mapped here to Kisan Credit Card.
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* • Micro Enterprises: 7.5% of ANBC — mapped here to Cash Credit (MSME).
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* RBI sets these as a % of the BANK'S WHOLE loan book (ANBC), not of any one product line's own
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* disbursement — shown here against this module's own mix as the closest available proxy, since
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* this demo has no bank-wide ANBC figure to check against. The remaining five products (Housing,
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* Vehicle, Gold, Personal, Education) have no RBI-mandated minimum share of their own — Housing
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* and Education are Priority-Sector-*eligible* within RBI's loan-amount ceilings but aren't
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* separately targeted, and Vehicle/Gold/Personal aren't Priority Sector categories at all — so
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* their split below is an internal business-plan assumption, not a regulatory requirement.
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* (RBI's other PSL sub-targets — Weaker Sections 12%, overall PSL 40% — cut across products by
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* borrower category rather than by loan type, so they aren't represented as their own row here.)
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*/
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export const PRODUCT_TARGET_PCT: Record<string, number> = {
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PL: 12,
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HL: 28,
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HL: 30,
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VL: 15,
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GL: 10,
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CC: 15,
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KCC: 12,
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EL: 8
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GL: 12,
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CC: 7.5, // RBI Micro Enterprises PSL sub-target
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KCC: 18, // RBI Agriculture PSL sub-target
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EL: 5.5
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};
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/** Target channel mix (% of disbursement) — the bank's push towards BC/Digital origination and
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@@ -483,10 +483,17 @@
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<div class="pg-card">
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<div class="pos-section-label">Product Mix — Target % vs Actual % (of Disbursed Amount)</div>
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<p class="pg-sub npa-report-note">
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KCC and Cash Credit (MSME) targets are RBI's actual Priority Sector Lending sub-targets — Agriculture 18% and
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Micro Enterprises 7.5% of Adjusted Net Bank Credit (shown here against this module's own mix, since RBI sets
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them against the bank's whole loan book, not one product line). The rest are internal business-plan targets, not
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RBI-mandated.
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</p>
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<table class="pg-table">
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<thead>
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<tr>
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<th>Product</th>
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<th>Target Basis</th>
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<th class="num">Target %</th>
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<th class="num col-in">Actual %</th>
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<th class="num">Variance</th>
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@@ -497,7 +504,12 @@
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@for (row of productTargetRows; track row.code) {
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<tr>
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<td>{{ row.label }}</td>
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<td class="num">{{ row.targetPct | number: '1.0-0' }}%</td>
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<td>
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<span class="loan-badge" [class.loan-badge--progress]="row.isRbiMandated">
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{{ row.isRbiMandated ? 'RBI PSL Sub-Target' : 'Internal Target' }}
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</span>
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</td>
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<td class="num">{{ row.targetPct | number: '1.0-1' }}%</td>
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<td class="num col-in">{{ row.actualPct | number: '1.1-1' }}%</td>
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<td class="num" [class.col-out]="row.variancePct < 0" [class.col-in]="row.variancePct > 0">
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{{ row.variancePct > 0 ? '+' : '' }}{{ row.variancePct | number: '1.1-1' }} pp
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@@ -533,7 +545,7 @@
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@for (row of channelTargetRows; track row.code) {
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<tr>
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<td>{{ row.label }}</td>
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<td class="num">{{ row.targetPct | number: '1.0-0' }}%</td>
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<td class="num">{{ row.targetPct | number: '1.0-1' }}%</td>
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<td class="num col-in">{{ row.actualPct | number: '1.1-1' }}%</td>
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<td class="num" [class.col-out]="row.variancePct < 0" [class.col-in]="row.variancePct > 0">
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{{ row.variancePct > 0 ? '+' : '' }}{{ row.variancePct | number: '1.1-1' }} pp
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@@ -71,6 +71,9 @@ interface MixTargetRow {
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actualPct: number;
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variancePct: number;
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status: TargetStatus;
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/** True only for the two rows whose target is an actual RBI PSL sub-target (Agriculture 18% /
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* Micro Enterprises 7.5% of ANBC) rather than an internal business-plan assumption. */
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isRbiMandated: boolean;
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}
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type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target';
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@@ -389,7 +392,8 @@ export class LoanPipelineComponent implements OnInit {
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targetPct,
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actualPct,
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variancePct: actualPct - targetPct,
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status: targetStatus(actualPct, targetPct, 3)
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status: targetStatus(actualPct, targetPct, 3),
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isRbiMandated: p.code === 'KCC' || p.code === 'CC'
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};
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});
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}
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@@ -413,7 +417,8 @@ export class LoanPipelineComponent implements OnInit {
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targetPct,
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actualPct,
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variancePct: actualPct - targetPct,
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status: targetStatus(actualPct, targetPct, 3)
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status: targetStatus(actualPct, targetPct, 3),
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isRbiMandated: false
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};
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});
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}
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@@ -626,6 +631,7 @@ export class LoanPipelineComponent implements OnInit {
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subtitle,
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headers: [
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'Mix',
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'Target Basis',
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'Target %',
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'Actual %',
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'Variance (pp)',
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@@ -633,6 +639,7 @@ export class LoanPipelineComponent implements OnInit {
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],
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widths: [
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26,
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18,
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12,
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12,
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14,
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@@ -641,6 +648,7 @@ export class LoanPipelineComponent implements OnInit {
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rows: [
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...this.productTargetRows.map((r) => [
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`Product — ${r.label}`,
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r.isRbiMandated ? 'RBI PSL Sub-Target' : 'Internal Target',
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r.targetPct,
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Number(r.actualPct.toFixed(1)),
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Number(r.variancePct.toFixed(1)),
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@@ -648,6 +656,7 @@ export class LoanPipelineComponent implements OnInit {
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]),
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...this.channelTargetRows.map((r) => [
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`Channel — ${r.label}`,
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'Internal Target',
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r.targetPct,
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Number(r.actualPct.toFixed(1)),
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Number(r.variancePct.toFixed(1)),
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