feat(loan-origination): purpose and priority sector at KYC, simpler deposit-loan sanction, account wizard from LOS

- Purpose & Priority Sector section in KYC (priority sector Yes/No against the product's setting with a reason when
  they differ, category from the PrioritySectorCategory Code, weaker section and its type, supporting documents per
  category); Complete KYC and the sanction need it.
- Deposit loans: Deposit Selection in two steps (deposit, then lien letter); no checkbox lists at sanction; the
  approver approves without ticking rows; sanction letter released on approval, with the sanctioning authority's name
  and date; Personal Discussion plan lists what was collected and the product terms; income, EMI and co-borrower
  hidden at KYC; loan-specific documents can always be added.
- Loan account wizard takes purpose, priority sector, weaker section from the LOS application; LOS applications can be
  picked from a client's view; Limit & Security, Guarantors and SMS steps for advances.
- FP-style deposit products are recognised as deposit loans once the product catalog is registered.

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

src/app/loan-origination/application-detail/loan-application-pdf.util.ts

@@ -0,0 +1,664 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { jsPDF } from 'jspdf';
+import autoTable from 'jspdf-autotable';
+import * as pdfjsLib from 'pdfjs-dist';
+
+(pdfjsLib as any).GlobalWorkerOptions.workerSrc = new URL(
+  'pdfjs-dist/build/pdf.worker.min.mjs',
+  import.meta.url
+).toString();
+
+/** One block of the form. The screen works out the rows; this file only draws them. */
+export type LoanFormSection =
+  | { title: string; type: 'kv'; rows: [string, string][] }
+  | { title: string; type: 'compare'; rows: [string, string, string][]; jointName: string }
+  | { title: string; type: 'table'; head: string[]; rows: string[][]; note?: string; minRows?: number }
+  | { title: string; type: 'text'; text: string };
+
+export interface LoanApplicationData {
+  bankName: string;
+  branchName: string;
+  applicationNo: string;
+  applicationDate: string;
+  generatedOn: string;
+  amount: string;
+  amountInWords: string;
+  scheme: string;
+  purpose: string;
+  /** The applicant's photograph as a data URL, when the client record has one. */
+  photo: string | null;
+  jointPhoto: boolean;
+  form: LoanFormSection[];
+  declaration: string;
+  /** What the bank fills in. */
+  bankUse: [string, string][];
+  /** After the form: what the sanctioning authority needs to see. */
+  annexure: LoanFormSection[];
+}
+
+/** A file that goes into the pack after the form: the customer's eKYC documents, the lien documents and the rest. */
+export interface LoanApplicationAttachment {
+  group: string;
+  label: string;
+  fileName: string;
+  blob: Blob;
+}
+
+const MARGIN = 12;
+const NAVY: [number, number, number] = [
+  15,
+  23,
+  42
+];
+const BLUE: [number, number, number] = [
+  30,
+  64,
+  175
+];
+const SOFT: [number, number, number] = [
+  241,
+  245,
+  249
+];
+const LINE: [number, number, number] = [
+  203,
+  213,
+  225
+];
+const MUTED: [number, number, number] = [
+  100,
+  116,
+  139
+];
+/** A long PDF would make the pack unmanageable: its first pages go in, and the pack says so. */
+const MAX_PDF_PAGES = 12;
+
+type Doc = jsPDF & { lastAutoTable?: { finalY: number } };
+
+const finalY = (doc: Doc): number => doc.lastAutoTable?.finalY ?? 0;
+
+// ───────────────────────────── helpers ─────────────────────────────
+
+/** 125000 -> "One Lakh Twenty Five Thousand" (Indian grouping). */
+export function amountInWords(value: number): string {
+  const ones = [
+    '',
+    'One',
+    'Two',
+    'Three',
+    'Four',
+    'Five',
+    'Six',
+    'Seven',
+    'Eight',
+    'Nine',
+    'Ten',
+    'Eleven',
+    'Twelve',
+    'Thirteen',
+    'Fourteen',
+    'Fifteen',
+    'Sixteen',
+    'Seventeen',
+    'Eighteen',
+    'Nineteen'
+  ];
+  const tens = [
+    '',
+    '',
+    'Twenty',
+    'Thirty',
+    'Forty',
+    'Fifty',
+    'Sixty',
+    'Seventy',
+    'Eighty',
+    'Ninety'
+  ];
+  const below100 = (n: number): string =>
+    n < 20 ? ones[n] : tens[Math.floor(n / 10)] + (n % 10 ? ' ' + ones[n % 10] : '');
+  const below1000 = (n: number): string =>
+    (n >= 100 ? ones[Math.floor(n / 100)] + ' Hundred' + (n % 100 ? ' ' : '') : '') +
+    (n % 100 ? below100(n % 100) : '');
+  let n = Math.floor(Math.abs(value));
+  if (n === 0) {
+    return 'Zero';
+  }
+  const parts: string[] = [];
+  const crore = Math.floor(n / 10000000);
+  n %= 10000000;
+  const lakh = Math.floor(n / 100000);
+  n %= 100000;
+  const thousand = Math.floor(n / 1000);
+  n %= 1000;
+  if (crore) parts.push(below1000(crore) + ' Crore');
+  if (lakh) parts.push(below100(lakh) + ' Lakh');
+  if (thousand) parts.push(below100(thousand) + ' Thousand');
+  if (n) parts.push(below1000(n));
+  return parts.join(' ');
+}
+
+function readAsDataUrl(blob: Blob): Promise<string> {
+  return new Promise((resolve, reject) => {
+    const reader = new FileReader();
+    reader.onload = () => resolve(String(reader.result));
+    reader.onerror = () => reject(reader.error);
+    reader.readAsDataURL(blob);
+  });
+}
+
+function loadImage(src: string): Promise<HTMLImageElement> {
+  return new Promise((resolve, reject) => {
+    const img = new Image();
+    img.onload = () => resolve(img);
+    img.onerror = () => reject(new Error('image'));
+    img.src = src;
+  });
+}
+
+/** A numbered bar that opens each block of the form. */
+function sectionBar(doc: Doc, number: number, title: string, y: number): number {
+  const pageWidth = doc.internal.pageSize.getWidth();
+  doc.setFillColor(...SOFT);
+  doc.roundedRect(MARGIN, y, pageWidth - MARGIN * 2, 7.5, 1.2, 1.2, 'F');
+  doc.setFillColor(...BLUE);
+  doc.roundedRect(MARGIN, y, 7.5, 7.5, 1.2, 1.2, 'F');
+  doc.setTextColor(255, 255, 255);
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(9);
+  doc.text(String(number), MARGIN + 3.75, y + 5.2, { align: 'center' });
+  doc.setTextColor(...NAVY);
+  doc.setFontSize(9.5);
+  doc.text(title.toUpperCase(), MARGIN + 11, y + 5.2);
+  return y + 10.5;
+}
+
+/** Starts a new page when what comes next would not fit. */
+function room(doc: Doc, y: number, needed: number): number {
+  if (y + needed > doc.internal.pageSize.getHeight() - 14) {
+    doc.addPage();
+    return 16;
+  }
+  return y;
+}
+
+const baseTable = {
+  theme: 'grid' as const,
+  styles: {
+    fontSize: 8.6,
+    cellPadding: { top: 2, bottom: 2, left: 2.4, right: 2.4 },
+    lineColor: LINE,
+    lineWidth: 0.2,
+    textColor: NAVY,
+    valign: 'middle' as const
+  },
+  headStyles: { fillColor: NAVY, textColor: [
+      255,
+      255,
+      255
+    ] as [number, number, number], fontStyle: 'bold' as const, halign: 'left' as const },
+  alternateRowStyles: { fillColor: [
+      250,
+      251,
+      253
+    ] as [number, number, number] },
+  margin: { left: MARGIN, right: MARGIN }
+};
+
+/** About how tall a block will be, so a block that fits on a page is not split across two. */
+function estimatedHeight(s: LoanFormSection): number {
+  const rowH = 9;
+  switch (s.type) {
+    case 'kv':
+      return 12 + s.rows.length * rowH;
+    case 'compare':
+      return 14 + s.rows.length * rowH + 14;
+    case 'table':
+      return 14 + Math.max(s.rows.length, s.minRows ?? 1, 1) * rowH;
+    default:
+      return 30;
+  }
+}
+
+function drawSection(doc: Doc, n: number, s: LoanFormSection, startY: number): number {
+  // a block that fits on one page starts on a new page rather than being cut in two
+  const usable = doc.internal.pageSize.getHeight() - 30;
+  const needed = Math.min(estimatedHeight(s), usable);
+  let y = room(doc, startY, needed);
+  y = sectionBar(doc, n, s.title, y);
+  if (s.type === 'kv') {
+    autoTable(doc, {
+      ...baseTable,
+      startY: y,
+      body: s.rows.map(
+        ([
+          k,
+          v
+        ]) => [
+          k,
+          v
+        ]
+      ),
+      columnStyles: { 0: { cellWidth: 62, fontStyle: 'bold', fillColor: SOFT, textColor: [
+            51,
+            65,
+            85
+          ] } },
+      bodyStyles: { minCellHeight: 7 }
+    });
+  } else if (s.type === 'compare') {
+    autoTable(doc, {
+      ...baseTable,
+      startY: y,
+      head: [[
+          'Particulars',
+          'Applicant',
+          s.jointName || 'Joint applicant'
+        ]],
+      body: s.rows.map((r) => [
+        r[0],
+        r[1],
+        r[2]
+      ]),
+      columnStyles: {
+        0: { cellWidth: 46, fontStyle: 'bold', fillColor: SOFT, textColor: [
+            51,
+            65,
+            85
+          ] },
+        1: { cellWidth: 70 }
+      },
+      bodyStyles: { minCellHeight: 7 }
+    });
+  } else if (s.type === 'table') {
+    const rows = s.rows.length ? s.rows : [];
+    const padded = [...rows];
+    while (padded.length < (s.minRows ?? 0)) {
+      padded.push(s.head.map(() => ''));
+    }
+    if (!padded.length) {
+      padded.push([
+        s.note ?? 'Nil',
+        ...s.head.slice(1).map(() => '')
+      ]);
+    }
+    autoTable(doc, { ...baseTable, startY: y, head: [s.head], body: padded, bodyStyles: { minCellHeight: 7 } });
+  } else {
+    doc.setFont('helvetica', 'normal');
+    doc.setFontSize(8.6);
+    doc.setTextColor(...NAVY);
+    const lines = doc.splitTextToSize(s.text, doc.internal.pageSize.getWidth() - MARGIN * 2);
+    doc.text(lines, MARGIN, y + 3);
+    return y + 3 + lines.length * 4 + 4;
+  }
+  return finalY(doc) + 6;
+}
+
+// ───────────────────────────── attachments ─────────────────────────────
+
+function attachmentHeader(doc: Doc, index: number, total: number, a: LoanApplicationAttachment, note: string): number {
+  const pageWidth = doc.internal.pageSize.getWidth();
+  doc.setFillColor(...SOFT);
+  doc.rect(0, 0, pageWidth, 16, 'F');
+  doc.setFillColor(...BLUE);
+  doc.rect(0, 0, 3, 16, 'F');
+  doc.setTextColor(...NAVY);
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(10);
+  doc.text(`Attachment ${index} of ${total} — ${a.label}`, MARGIN, 7);
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(8);
+  doc.setTextColor(...MUTED);
+  doc.text(`${a.group} · ${a.fileName}${note ? ' · ' + note : ''}`, MARGIN, 12.5);
+  doc.setTextColor(0, 0, 0);
+  return 20;
+}
+
+function placePicture(doc: Doc, dataUrl: string, format: 'JPEG' | 'PNG', w: number, h: number, top: number): void {
+  const pageWidth = doc.internal.pageSize.getWidth();
+  const pageHeight = doc.internal.pageSize.getHeight();
+  const maxW = pageWidth - MARGIN * 2;
+  const maxH = pageHeight - top - 12;
+  const ratio = Math.min(maxW / w, maxH / h);
+  const width = w * ratio;
+  const height = h * ratio;
+  doc.addImage(dataUrl, format, (pageWidth - width) / 2, top, width, height);
+}
+
+async function appendImage(doc: Doc, index: number, total: number, a: LoanApplicationAttachment): Promise<void> {
+  const dataUrl = await readAsDataUrl(a.blob);
+  const img = await loadImage(dataUrl);
+  doc.addPage();
+  const top = attachmentHeader(doc, index, total, a, '');
+  placePicture(
+    doc,
+    dataUrl,
+    /png/i.test(a.blob.type) ? 'PNG' : 'JPEG',
+    img.naturalWidth || 1,
+    img.naturalHeight || 1,
+    top
+  );
+}
+
+async function appendPdf(doc: Doc, index: number, total: number, a: LoanApplicationAttachment): Promise<void> {
+  const data = new Uint8Array(await a.blob.arrayBuffer());
+  const pdf = await (pdfjsLib as any).getDocument({ data }).promise;
+  const pages = Math.min(pdf.numPages, MAX_PDF_PAGES);
+  for (let p = 1; p <= pages; p++) {
+    const page = await pdf.getPage(p);
+    const viewport = page.getViewport({ scale: 1.5 });
+    const canvas = document.createElement('canvas');
+    canvas.width = Math.ceil(viewport.width);
+    canvas.height = Math.ceil(viewport.height);
+    const context = canvas.getContext('2d');
+    if (!context) {
+      throw new Error('canvas');
+    }
+    await page.render({ canvasContext: context, viewport }).promise;
+    doc.addPage();
+    const note =
+      pdf.numPages > 1
+        ? `page ${p} of ${pdf.numPages}${pdf.numPages > pages && p === pages ? ' (first ' + pages + ' pages only)' : ''}`
+        : '';
+    const top = attachmentHeader(doc, index, total, a, note);
+    placePicture(doc, canvas.toDataURL('image/jpeg', 0.82), 'JPEG', canvas.width, canvas.height, top);
+  }
+}
+
+async function appendAttachment(doc: Doc, index: number, total: number, a: LoanApplicationAttachment): Promise<void> {
+  try {
+    if (/pdf/i.test(a.blob.type) || /\.pdf$/i.test(a.fileName)) {
+      await appendPdf(doc, index, total, a);
+    } else if (/^image\//i.test(a.blob.type)) {
+      await appendImage(doc, index, total, a);
+    } else {
+      throw new Error('type');
+    }
+  } catch {
+    doc.addPage();
+    const top = attachmentHeader(doc, index, total, a, '');
+    doc.setFontSize(10);
+    doc.text(
+      'This file could not be placed in the pack (' +
+        (a.blob.type || 'unknown type') +
+        '). Open it from the application.',
+      MARGIN,
+      top + 6
+    );
+  }
+}
+
+// ───────────────────────────── the form ─────────────────────────────
+
+function drawHeader(doc: Doc, d: LoanApplicationData): number {
+  const pageWidth = doc.internal.pageSize.getWidth();
+  // top band
+  doc.setFillColor(...NAVY);
+  doc.rect(0, 0, pageWidth, 34, 'F');
+  doc.setFillColor(...BLUE);
+  doc.rect(0, 34, pageWidth, 1.6, 'F');
+  doc.setTextColor(255, 255, 255);
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(17);
+  doc.text(d.bankName.toUpperCase(), MARGIN, 14);
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(8);
+  doc.setTextColor(186, 200, 230);
+  doc.text(d.branchName, MARGIN, 20);
+  doc.setTextColor(255, 255, 255);
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(14);
+  doc.text('LOAN APPLICATION FORM', MARGIN, 29);
+  // application number card
+  const cardW = 56;
+  doc.setFillColor(255, 255, 255);
+  doc.roundedRect(pageWidth - MARGIN - cardW, 7, cardW, 20, 2, 2, 'F');
+  doc.setTextColor(...MUTED);
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(7);
+  doc.text('APPLICATION NO.', pageWidth - MARGIN - cardW + 4, 13);
+  doc.setTextColor(...NAVY);
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(11);
+  doc.text(d.applicationNo, pageWidth - MARGIN - cardW + 4, 19);
+  doc.setTextColor(...MUTED);
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(7.5);
+  doc.text('Date: ' + d.applicationDate, pageWidth - MARGIN - cardW + 4, 24.5);
+
+  // addressee and photographs
+  let y = 43;
+  doc.setTextColor(...NAVY);
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(9);
+  doc.text('PART I — Basic information common to all schemes', MARGIN, y);
+  y += 8;
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(9.5);
+  doc.text('To,', MARGIN, y);
+  doc.text('THE BRANCH MANAGER', MARGIN, y + 5.5);
+  doc.setFont('helvetica', 'normal');
+  doc.text(d.bankName + ' — ' + d.branchName, MARGIN, y + 11);
+
+  const boxW = 27;
+  const boxH = 33;
+  const boxTop = 38;
+  const rightX = pageWidth - MARGIN - boxW;
+  const leftX = rightX - boxW - 5;
+  const drawBox = (x: number, label: string, image: string | null) => {
+    doc.setDrawColor(...LINE);
+    doc.setLineWidth(0.3);
+    doc.roundedRect(x, boxTop, boxW, boxH, 1.5, 1.5);
+    if (image) {
+      try {
+        doc.addImage(image, 'JPEG', x + 0.8, boxTop + 0.8, boxW - 1.6, boxH - 1.6);
+        return;
+      } catch {
+        // an image that cannot be drawn leaves the box empty
+      }
+    }
+    doc.setTextColor(...MUTED);
+    doc.setFontSize(6.8);
+    doc.text('PHOTOGRAPH', x + boxW / 2, boxTop + 13, { align: 'center' });
+    doc.text('OF', x + boxW / 2, boxTop + 17, { align: 'center' });
+    doc.text(label, x + boxW / 2, boxTop + 21, { align: 'center' });
+  };
+  drawBox(leftX, 'APPLICANT', d.photo);
+  if (d.jointPhoto) {
+    drawBox(rightX, 'JOINT-APPLICANT', null);
+  } else {
+    drawBox(rightX, 'JOINT-APPLICANT', null);
+  }
+
+  // the request, in a panel
+  y = boxTop + boxH + 6;
+  const panelW = pageWidth - MARGIN * 2;
+  const text =
+    `I/We request for a loan of Rs. ${d.amount} (Rupees ${d.amountInWords} only) under ${d.scheme} Scheme` +
+    (d.purpose ? ` for the purpose of ${d.purpose}.` : '.') +
+    ' I/We furnish our particulars as below.';
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(9.2);
+  const lines = doc.splitTextToSize(text, panelW - 10);
+  const panelH = lines.length * 4.6 + 7;
+  doc.setFillColor(239, 246, 255);
+  doc.roundedRect(MARGIN, y, panelW, panelH, 1.8, 1.8, 'F');
+  doc.setFillColor(...BLUE);
+  doc.rect(MARGIN, y, 1.6, panelH, 'F');
+  doc.setTextColor(...NAVY);
+  doc.text(lines, MARGIN + 5, y + 6);
+  return y + panelH + 6;
+}
+
+function drawSignatures(doc: Doc, y: number, jointName: string): number {
+  const pageWidth = doc.internal.pageSize.getWidth();
+  y = room(doc, y, 36);
+  const colW = (pageWidth - MARGIN * 2 - 8) / 2;
+  const boxes: [string, string][] = [
+    [
+      'Signature of the Applicant',
+      ''
+    ],
+    [
+      'Signature of the Joint-Applicant',
+      jointName
+    ]
+  ];
+  boxes.forEach(
+    ([
+        label,
+        name
+      ], i) => {
+      const x = MARGIN + i * (colW + 8);
+      doc.setDrawColor(...LINE);
+      doc.setLineWidth(0.3);
+      doc.roundedRect(x, y, colW, 24, 1.5, 1.5);
+      doc.setDrawColor(...MUTED);
+      doc.line(x + 6, y + 17, x + colW - 6, y + 17);
+      doc.setTextColor(...MUTED);
+      doc.setFont('helvetica', 'normal');
+      doc.setFontSize(7.5);
+      doc.text(label, x + colW / 2, y + 21.5, { align: 'center' });
+      if (name) {
+        doc.setTextColor(...NAVY);
+        doc.setFontSize(8);
+        doc.text(name, x + colW / 2, y + 13, { align: 'center' });
+      }
+    }
+  );
+  doc.setTextColor(...NAVY);
+  doc.setFontSize(8.6);
+  doc.text('Place: ______________________', MARGIN, y + 30);
+  doc.text('Date: ______________________', MARGIN + colW + 8, y + 30);
+  return y + 36;
+}
+
+function drawBankUse(doc: Doc, y: number, rows: [string, string][]): number {
+  y = room(doc, y, 20 + rows.length * 7);
+  const pageWidth = doc.internal.pageSize.getWidth();
+  doc.setFillColor(...NAVY);
+  doc.roundedRect(MARGIN, y, pageWidth - MARGIN * 2, 7, 1.2, 1.2, 'F');
+  doc.setTextColor(255, 255, 255);
+  doc.setFont('helvetica', 'bold');
+  doc.setFontSize(8.8);
+  doc.text('FOR BANK USE ONLY', MARGIN + 4, y + 4.8);
+  autoTable(doc, {
+    ...baseTable,
+    startY: y + 8,
+    body: rows,
+    columnStyles: { 0: { cellWidth: 62, fontStyle: 'bold', fillColor: SOFT, textColor: [
+          51,
+          65,
+          85
+        ] } },
+    bodyStyles: { minCellHeight: 7 }
+  });
+  return finalY(doc) + 6;
+}
+
+/** The loan application form, then the annexure for the sanctioning authority, then every document attached. */
+export async function buildLoanApplication(
+  d: LoanApplicationData,
+  attachments: LoanApplicationAttachment[]
+): Promise<jsPDF> {
+  const doc = new jsPDF({ orientation: 'portrait', unit: 'mm', format: 'a4' }) as Doc;
+  const pageWidth = doc.internal.pageSize.getWidth();
+
+  let y = drawHeader(doc, d);
+  let n = 1;
+  for (const section of d.form) {
+    y = drawSection(doc, n++, section, y);
+  }
+
+  // declaration
+  y = room(doc, y, 60);
+  y = sectionBar(doc, n++, 'Declaration', y);
+  doc.setFont('helvetica', 'normal');
+  doc.setFontSize(7.8);
+  doc.setTextColor(51, 65, 85);
+  const declaration = doc.splitTextToSize(d.declaration, pageWidth - MARGIN * 2);
+  doc.text(declaration, MARGIN, y + 3);
+  y += 3 + declaration.length * 3.6 + 6;
+
+  const jointName = (d.form.find((s) => s.type === 'compare') as { jointName: string } | undefined)?.jointName ?? '';
+  y = drawSignatures(doc, y, jointName);
+  y = drawBankUse(doc, y, d.bankUse);
+
+  // annexure
+  if (d.annexure.length || attachments.length) {
+    doc.addPage();
+    y = 16;
+    doc.setFillColor(...NAVY);
+    doc.rect(0, 0, pageWidth, 12, 'F');
+    doc.setTextColor(255, 255, 255);
+    doc.setFont('helvetica', 'bold');
+    doc.setFontSize(10);
+    doc.text('ANNEXURE — For the sanctioning authority', MARGIN, 8);
+    y = 20;
+    let a = 1;
+    for (const section of d.annexure) {
+      y = drawSection(doc, a++, section, y);
+    }
+    y = room(doc, y, 30);
+    y = sectionBar(doc, a++, `Documents attached (${attachments.length})`, y);
+    autoTable(doc, {
+      ...baseTable,
+      startY: y,
+      head: [[
+          '#',
+          'Group',
+          'Document',
+          'File'
+        ]],
+      body: attachments.length
+        ? attachments.map((x, i) => [
+            String(i + 1),
+            x.group,
+            x.label,
+            x.fileName
+          ])
+        : [[
+              '',
+              'No document is on file for this application.',
+              '',
+              ''
+            ]],
+      columnStyles: { 0: { cellWidth: 8 } },
+      styles: { ...baseTable.styles, fontSize: 8 }
+    });
+  }
+
+  for (let i = 0; i < attachments.length; i++) {
+    await appendAttachment(doc, i + 1, attachments.length, attachments[i]);
+  }
+
+  // footer on every page
+  const pages = doc.getNumberOfPages();
+  for (let p = 1; p <= pages; p++) {
+    doc.setPage(p);
+    doc.setDrawColor(...LINE);
+    doc.setLineWidth(0.2);
+    doc.line(
+      MARGIN,
+      doc.internal.pageSize.getHeight() - 10,
+      pageWidth - MARGIN,
+      doc.internal.pageSize.getHeight() - 10
+    );
+    doc.setFontSize(7);
+    doc.setTextColor(150, 150, 150);
+    doc.text(
+      `Loan Application ${d.applicationNo} · ${d.bankName} · generated ${d.generatedOn}`,
+      MARGIN,
+      doc.internal.pageSize.getHeight() - 6
+    );
+    doc.text(`Page ${p} of ${pages}`, pageWidth - MARGIN, doc.internal.pageSize.getHeight() - 6, { align: 'right' });
+  }
+  return doc;
+}

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

@@ -68,6 +68,8 @@ export async function createRealLoanAccount(
     interestCalculationPeriodType: template.interestCalculationPeriodType?.id,
     amortizationType: template.amortizationType?.id,
     transactionProcessingStrategyCode: template.transactionProcessingStrategyCode,
+    // the application number is the loan's external id, so the application can find (and show) this account
+    externalId: app.applicationNo,
     submittedOnDate: today,
     expectedDisbursementDate: today,
     dateFormat,
@@ -85,7 +87,7 @@ export async function createRealLoanAccount(
     })
   );
 
-  await firstValueFrom(
+  const disbursed: any = await firstValueFrom(
     loansService.loanActionButtons(loanId, 'disburse', {
       actualDisbursementDate: today,
       transactionAmount: app.requestedAmount,
@@ -93,6 +95,16 @@ export async function createRealLoanAccount(
       locale
     })
   );
+  if (disbursed?.rollbackTransaction) {
+    // Disbursement needs a checker (maker-checker): nothing is disbursed until it is approved, so the application must not say so.
+    throw new Error(
+      'The disbursement of loan ' +
+        loanId +
+        ' was sent for approval (request ' +
+        disbursed.commandId +
+        '). It happens when it is approved in the Approvals inbox.'
+    );
+  }
 
   const account: any = await firstValueFrom(loansService.getLoanAccountResource(String(loanId), ''));
   return {
@@ -100,3 +112,55 @@ export async function createRealLoanAccount(
     loanAccountNo: account?.accountNo || String(loanId)
   };
 }
+
+export interface CoreLienTarget {
+  /** The Fineract deposit account (fixed or recurring) the loan is secured on. */
+  savingsId: number;
+  accountNo: string;
+  /** How much of the loan this deposit secures. */
+  amount: number;
+}
+
+/**
+ * Puts a real lien on the pledged FD / RD accounts once the loan account exists.
+ *
+ * Fineract has no separate lien call; its own way to bind a deposit to a loan is a guarantor funded from that deposit:
+ * the amount is held on the account (it cannot be withdrawn or closed), an RD counts it as a lien, and it is released
+ * in step with the loan's repayments and in full when the loan is repaid. The customer guarantees their own loan with
+ * their own deposit, which Fineract allows when the guarantor is funded from a savings account.
+ *
+ * Returns the accounts it could not lien, with the reason, so the screen can say so rather than leaving the
+ * application showing a lien that does not exist.
+ */
+export async function placeCoreLien(
+  loansService: LoansService,
+  dateUtils: Dates,
+  settings: SettingsService,
+  loanId: number,
+  clientId: number,
+  targets: CoreLienTarget[]
+): Promise<{ placed: CoreLienTarget[]; failed: { target: CoreLienTarget; reason: string }[] }> {
+  const placed: CoreLienTarget[] = [];
+  const failed: { target: CoreLienTarget; reason: string }[] = [];
+  for (const target of targets) {
+    try {
+      await firstValueFrom(
+        loansService.createNewGuarantor(String(loanId), {
+          guarantorTypeId: 1,
+          entityId: clientId,
+          savingsId: target.savingsId,
+          amount: target.amount,
+          locale: settings.language.code,
+          dateFormat: settings.dateFormat
+        })
+      );
+      placed.push(target);
+    } catch (err: any) {
+      failed.push({
+        target,
+        reason: err?.error?.errors?.[0]?.defaultUserMessage || err?.message || 'Could not place the lien.'
+      });
+    }
+  }
+  return { placed, failed };
+}

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

@@ -77,14 +77,25 @@ export const STAGE_LABELS: Record<OriginationStage, string> = {
  *  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.
+    // No credit bureau check, field investigation or security cheque / ACH (recovery is by set-off against the lien), and no
+    // separate risk or legal approval: the one Sanction step (the committee stage) takes their place. Every other stage stays.
     return STAGE_ORDER.filter(
-      (stage) => stage !== 'CIC_CHECK' && stage !== 'FIELD_INVESTIGATION' && stage !== 'CHEQUE_ACH'
+      (stage) =>
+        stage !== 'CIC_CHECK' &&
+        stage !== 'FIELD_INVESTIGATION' &&
+        stage !== 'CHEQUE_ACH' &&
+        stage !== 'RISK_APPROVAL' &&
+        stage !== 'LEGAL_APPROVAL'
     );
   }
   return STAGE_ORDER.filter((stage) => stage !== 'DEPOSIT_SELECTION');
 }
 
+/** What a stage is called for this product: on a loan against a deposit the committee stage is the single Sanction step. */
+export function stageLabelFor(stage: OriginationStage, productCode: string | undefined | null): string {
+  return stage === 'CREDIT_COMMITTEE' && isDepositLoanCode(productCode) ? 'Sanction' : STAGE_LABELS[stage];
+}
+
 export function stageIndex(stage: OriginationStage): number {
   return STAGE_ORDER.indexOf(stage);
 }
@@ -151,13 +162,14 @@ export const DISCREPANCY_LABELS: Record<DiscrepancyType, string> = {
   FAKE_DECLARATION: 'Fake Declaration Suspected'
 };
 
-export type ApprovalDecision = 'PENDING' | 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED';
+export type ApprovalDecision = 'PENDING' | 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED' | 'REVOKED';
 
 export const APPROVAL_LABELS: Record<ApprovalDecision, string> = {
   PENDING: 'Pending',
   APPROVED: 'Approved',
   REJECTED: 'Rejected',
-  EXCEPTION_APPROVED: 'Approved on Exception'
+  EXCEPTION_APPROVED: 'Approved on Exception',
+  REVOKED: 'Returned for Rectification'
 };
 
 export type VerificationStatus = 'PENDING' | 'VERIFIED' | 'FAILED';
@@ -195,8 +207,34 @@ export interface StageHistoryEntry {
   remarks: string;
 }
 
+/** A LIC policy pledged for a loan against LIC: not a bank account, so the officer records it from the policy documents. */
+export interface LicPolicy {
+  policyNo: string;
+  insurer: string;
+  policyHolder: string;
+  sumAssured: number;
+  premiumPaid: number;
+  /** As per the insurer's surrender value letter (not older than a month). */
+  surrenderValue: number;
+  /** DD-MM-YYYY */
+  maturityDate: string;
+  /** The loan's interest rate, entered by the officer (a policy has no deposit rate to follow). */
+  loanRate: number;
+}
+
+/** One guarantor named on an application. */
+export interface GuarantorEntry {
+  clientId: number;
+  name: string;
+  hasShareAccount: boolean;
+  /** The share accounts found for the guarantor when membership was checked. */
+  shareAccountNos?: string[];
+}
+
 /** The deposit(s) pledged for a loan against FD / RD / DDS / LIC and what they allow (policy 9.5). */
 export interface DepositSelection {
+  /** The LIC policy, for a loan against LIC (then `accountIds` is empty and `accountNos` holds the policy number). */
+  policy?: LicPolicy;
   accountIds: number[];
   accountNos: string[];
   securityValue: number;
@@ -220,15 +258,24 @@ export interface LienRecord {
   markedOn: string;
   amount: number;
   accountNos: string[];
+  /** Whether the lien really stands in core banking (funds held on the FD / RD, or the DDS account marked), as opposed to
+   *  only being recorded here. */
+  coreStatus?: 'PLACED' | 'FAILED' | 'NOT_APPLICABLE';
+  /** What was done in core banking, or why it could not be. */
+  coreNote?: 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';
+  status: 'PENDING' | 'APPROVED' | 'EXCEPTION_APPROVED' | 'REJECTED' | 'WITHDRAWN' | 'REVOKED';
   submittedBy: string;
   submittedOn: string;
   requestedDecision: 'APPROVED' | 'EXCEPTION_APPROVED';
   remarks: string;
+  revokeRemarks?: string;
+  previousRevokeRemarks?: string;
+  previousRevokedBy?: string;
+  previousRevokedOn?: string;
   resolutionNo?: string;
   resolutionDate?: string;
   /** What the sender had verified at the moment of sending -- what the approver reviews. */
@@ -379,6 +426,13 @@ export interface LoanApplication {
   guarantorClientId: number | null;
   guarantorName: string;
   guarantorHasShareAccount: boolean;
+  /** How many guarantors this application has to name, from the product it was raised on. Absent on an application raised
+   *  before products carried it, which keeps the officer's own Guarantor Required tick. */
+  guarantorsRequiredCount?: number;
+  /** Whether those guarantors have to hold a share account (be members), from the product. */
+  guarantorMustBeMember?: boolean;
+  /** The guarantors named so far (each a real, already-onboarded bank client). */
+  guarantors?: GuarantorEntry[];
 
   // "Reports Required" presented at Loan Committee, and the "Verification Checklist" run at Risk
   // Approval — kept as their own fields since ID/Address/Income/FI-Report are already covered by
@@ -398,9 +452,22 @@ export interface LoanApplication {
    *  is what actually gets quoted in the sanction letter later. */
   committeeResolutionNo: string;
   committeeResolutionDate: string;
+  /** What the loan is for, asked after KYC: the priority sector and weaker section decisions follow from it. */
+  loanPurpose?: string;
+  /** The officer's priority sector decision ('yes' | 'no'); the product's own setting is only the starting point. */
+  pslClassified?: string;
+  /** Priority sector lending category (RBI Master Directions para 5); one only, set when classified as priority sector. */
+  prioritySectorCategory?: string;
+  /** Why the decision differs from the product's priority sector setting. */
+  pslOverrideReason?: string;
+  /** Weaker section ('yes' | 'no') and its type (RBI Master Directions para 17.1). */
+  weakerSection?: string;
+  weakerSectionType?: string;
   riskApproval: ApprovalRecord;
   legalApproval: ApprovalRecord;
   postCheckApproval: ApprovalRecord;
+  /** The approval of the loan account's disbursement (asked at the Disbursement stage; absent until approved). */
+  disbursementApproval?: ApprovalRecord;
 
   // Legal / documentation
   feesAndAccountOpened: boolean;
@@ -526,6 +593,11 @@ interface OriginationProduct {
   interestBasis?: string;
   /** The product's own interest rate (used when the rate is not "deposit rate + spread"). */
   baseRate?: number;
+  /** The deposit product(s) a loan is lent against, as named on the loan product (Product Creation > Security & Lien). */
+  eligibleDepositProducts?: string;
+  /** How many guarantors an application on this product has to name (Product Creation); absent on an older product. */
+  guarantorsRequired?: number;
+  guarantorMustBeMember?: boolean;
   allowMultipleDeposits?: boolean;
   allowThirdParty?: boolean;
   /** The loan tenure may not run past the deposit's maturity. */
@@ -540,7 +612,106 @@ interface OriginationProduct {
   facilityType?: string;
   preclosure?: string;
   renewalAllowed?: boolean;
+  /** The product was created as priority sector lending (Product Creation): the sanction names the category. */
+  prioritySector?: boolean;
 }
+
+/** RBI's priority sector lending categories. */
+export const PRIORITY_SECTOR_CATEGORIES = [
+  'Agriculture',
+  'Micro, Small and Medium Enterprises',
+  'Export Credit',
+  'Education',
+  'Housing',
+  'Social Infrastructure',
+  'Renewable Energy',
+  'Others'
+];
+/** Weaker section types (RBI Master Directions on PSL, para 17.1): the fallback when the Code "WeakerSectionType" cannot be read. */
+export const WEAKER_SECTION_TYPES = [
+  'Small and Marginal Farmers',
+  'Artisans, village and cottage industries (individual credit limit up to ₹2 lakh)',
+  'Beneficiaries of Government Sponsored Schemes (NRLM, SRMS)',
+  'Scheduled Castes and Scheduled Tribes',
+  'Beneficiaries of Differential Rate of Interest (DRI) scheme',
+  'Self Help Groups / Joint Liability Groups',
+  'Individuals and members of SHGs/JLGs availing microfinance loans',
+  'Individual women beneficiaries (up to ₹2 lakh)',
+  'Distressed farmers indebted to non-institutional lenders',
+  'Distressed persons other than farmers (up to ₹1 lakh)',
+  'Persons with disabilities',
+  'Transgenders',
+  'Minority communities notified by Government of India'
+];
+
+/** Proof an officer can attach for a priority sector classification, by category. */
+export const PSL_DOCUMENT_TYPES: Record<string, string[]> = {
+  Agriculture: [
+    'Land record (7/12, Khata, Patta)',
+    'Crop / cultivation details',
+    'Kisan Credit Card',
+    'Tenancy / lease agreement',
+    'Allied activity licence (dairy, fisheries, poultry)',
+    'Project report / quotation'
+  ],
+  'Micro, Small and Medium Enterprises': [
+    'Udyam Registration Certificate',
+    'GST registration',
+    'Shop & Establishment / trade licence',
+    'Project report / quotation',
+    'Latest ITR / financial statements'
+  ],
+  'Export Credit': [
+    'Export order / Letter of credit',
+    'Import Export Code (IEC)',
+    'Shipping bill / invoice'
+  ],
+  Education: [
+    'Admission letter',
+    'Fee structure',
+    'Marksheet of the last exam'
+  ],
+  Housing: [
+    'Sale agreement / allotment letter',
+    'Property title documents',
+    'Cost estimate / approved plan',
+    'Property tax receipt (for repairs)'
+  ],
+  'Social Infrastructure': [
+    'School / hospital registration',
+    'Project report and approvals',
+    'Land / building documents'
+  ],
+  'Renewable Energy': [
+    'Project report',
+    'Vendor quotation',
+    'DISCOM / MNRE approval'
+  ],
+  Others: [
+    'Self Help Group registration / resolution',
+    'Start-up recognition (DPIIT)',
+    'Debt statement (distressed person)',
+    'Project report'
+  ]
+};
+
+/** Offered for every category and for the weaker section proof. */
+export const PSL_OTHER_DOCUMENT = 'Other supporting document';
+
+/** Proof of the weaker section the borrower belongs to. */
+export const WEAKER_SECTION_DOCUMENT_TYPES = [
+  'Caste certificate (SC/ST)',
+  'Disability certificate / UDID',
+  'Minority community proof',
+  'Landholding record (small / marginal farmer)',
+  'SHG / JLG registration',
+  'Government scheme beneficiary certificate (NRLM, SRMS, DRI)',
+  'Artisan card / village industry registration',
+  'Debt statement (distressed farmer / person)',
+  'Aadhaar (women / transgender beneficiary)',
+  PSL_OTHER_DOCUMENT
+];
+
 /** 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 = [
@@ -550,8 +721,33 @@ export const DEPOSIT_PRODUCT_CODES = [
   'LI'
 ];
 
+/** A loan against a LIC policy: the security is a policy recorded on the application, not a deposit account. */
+export function isLicLoanCode(productCode: string | undefined | null): boolean {
+  return productCode === 'LI' || (!!productCode && licProductCodes.has(productCode));
+}
+
+/**
+ * Short names of saved products whose Product Creation sub type is a deposit or policy (fd, rd, dds, lic). Filled by
+ * registerOriginationProduct, so a product made later under any short name (a second FD product) is also a loan
+ * against a deposit; the fixed codes above stay as the answer for the original products.
+ */
+const depositSubTypeCodes = new Set<string>();
+const licProductCodes = new Set<string>();
+const depositKindBySubType: Record<string, string> = { fd: 'FD', rd: 'RD', dds: 'DS', lic: 'LI' };
+const depositKindByCode = new Map<string, string>();
+
+/**
+ * The kind of deposit a product is a loan against, as the original short name of that kind: 'FD', 'RD', 'DS' (daily
+ * deposit scheme) or 'LI' (LIC policy). A product made later under another short name answers by its sub type, so
+ * screens that tell the kinds apart treat it like the original; any other product gets its own code back.
+ */
+export function depositKindCode(productCode: string | undefined | null): string {
+  const code = productCode ?? '';
+  return DEPOSIT_PRODUCT_CODES.includes(code) ? code : (depositKindByCode.get(code) ?? code);
+}
+
 export function isDepositLoanCode(productCode: string | undefined | null): boolean {
-  return !!productCode && DEPOSIT_PRODUCT_CODES.includes(productCode);
+  return !!productCode && (DEPOSIT_PRODUCT_CODES.includes(productCode) || depositSubTypeCodes.has(productCode));
 }
 
 export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
@@ -792,6 +988,24 @@ export function buildProductDocuments(productCode: string): ProductDocumentEntry
  */
 export function registerOriginationProduct(p: any): OriginationProduct {
   const ext = p?.advanceExtensions ?? {};
+  const shortName = String(p.shortName);
+  if ([
+      'fd',
+      'rd',
+      'dds',
+      'lic'
+    ].includes(ext.productTypeSubGroup)) {
+    depositSubTypeCodes.add(shortName);
+    depositKindByCode.set(shortName, depositKindBySubType[ext.productTypeSubGroup]);
+  } else {
+    depositSubTypeCodes.delete(shortName);
+    depositKindByCode.delete(shortName);
+  }
+  if (ext.productTypeSubGroup === 'lic') {
+    licProductCodes.add(shortName);
+  } else {
+    licProductCodes.delete(shortName);
+  }
   const inMonths = !p?.repaymentFrequencyType?.value || p.repaymentFrequencyType.value === 'Months';
   const rate = Number(p?.interestRatePerPeriod ?? 0);
   const entry: OriginationProduct = {
@@ -813,6 +1027,12 @@ export function registerOriginationProduct(p: any): OriginationProduct {
     eligibleBasis: String(ext.eligibleAmountBasis ?? 'balance_accrued'),
     interestBasis: String(ext.interestBasis ?? 'deposit_spread'),
     baseRate: rate,
+    eligibleDepositProducts: ext.eligibleDepositProducts ? String(ext.eligibleDepositProducts) : undefined,
+    guarantorsRequired:
+      ext.guarantorsRequired === undefined || ext.guarantorsRequired === null || ext.guarantorsRequired === ''
+        ? undefined
+        : Number(ext.guarantorsRequired),
+    guarantorMustBeMember: ext.guarantorMustBeMember === undefined ? undefined : ext.guarantorMustBeMember === true,
     allowMultipleDeposits: ext.lienAllowMultipleDeposits === true,
     allowThirdParty: ext.lienAllowThirdParty === true,
     tenureWithinMaturity: ext.lienTenureNotExceedMaturity !== false,
@@ -824,7 +1044,8 @@ export function registerOriginationProduct(p: any): OriginationProduct {
     interestPostingFrequency: String(ext.interestPostingFrequency ?? 'Monthly'),
     facilityType: String(ext.facilityType ?? 'demand'),
     preclosure: String(ext.preclosureAllowed ?? 'anytime'),
-    renewalAllowed: ext.renewalAllowed === true
+    renewalAllowed: ext.renewalAllowed === true,
+    prioritySector: String(ext.prioritySector ?? '').toLowerCase() === 'yes'
   };
   const at = ORIGINATION_PRODUCTS.findIndex((x) => x.code === entry.code);
   if (at >= 0) {
@@ -1001,7 +1222,11 @@ export function progressPct(app: LoanApplication): number {
   if (app.overallStatus === 'DISBURSED') {
     return 100;
   }
-  return round(((stageIndex(app.currentStage) + 1) / STAGE_ORDER.length) * 100);
+  const stages = stagesFor(app.productCode);
+  const at = stages.indexOf(app.currentStage);
+  return at >= 0
+    ? round(((at + 1) / stages.length) * 100)
+    : round(((stageIndex(app.currentStage) + 1) / STAGE_ORDER.length) * 100);
 }
 
 export function stageBadgeClass(app: LoanApplication): string {
@@ -1745,6 +1970,19 @@ export function decideApproval(
   approverRole: string,
   remarks: string
 ): void {
+  if (decision === 'REVOKED') {
+    const req = app.approvalRequests?.[field];
+    if (req) {
+      req.status = 'REVOKED';
+      req.decidedBy = approverName;
+      req.decidedOn = todayDDMMYYYY();
+      req.remarks = remarks;
+      req.revokeRemarks = remarks;
+    }
+    delete app[field];
+    recordStageProgress(app, approverName, 'Returned for Rectification', remarks);
+    return;
+  }
   app[field] = { decision, approverName, approverRole, date: todayDDMMYYYY(), remarks };
   if (decision === 'REJECTED') {
     app.overallStatus = 'REJECTED';
@@ -2120,7 +2358,11 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     personalDiscussionDate: '—',
     declarationTaken: false,
     declarationDate: '—',
-    guarantorRequired: false,
+    // What the product asks for; an older product that does not say leaves it to the officer's own tick at Risk Approval.
+    guarantorRequired: (ORIGINATION_PRODUCTS.find((p) => p.code === input.productCode)?.guarantorsRequired ?? 0) > 0,
+    guarantorsRequiredCount: ORIGINATION_PRODUCTS.find((p) => p.code === input.productCode)?.guarantorsRequired,
+    guarantorMustBeMember: ORIGINATION_PRODUCTS.find((p) => p.code === input.productCode)?.guarantorMustBeMember,
+    guarantors: [],
     guarantorClientId: null,
     guarantorName: '—',
     guarantorHasShareAccount: false,

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

@@ -430,14 +430,18 @@
 // one long stacked column, so a 6-7 item checklist reads as a glanceable board, not a scroll.
 .loi-kyc-doc-grid {
   display: grid;
-  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
+  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
   gap: 10px;
+  align-items: start;
   margin-bottom: 10px;
 }
 
 .loi-kyc-card {
   display: flex;
   flex-direction: column;
+  justify-content: flex-start;
+  align-self: start;
+  height: auto;
   gap: 6px;
   padding: 10px 12px;
   border: 1px solid #e2e8f0;
@@ -1178,6 +1182,7 @@
 .loi-docs-locked {
   label.pg-btn,
   .loi-legal-doc-thumb-remove,
+  .loi-doc-thumb-remove,
   .loi-doc-remove,
   .loi-custom-doc-input,
   .loan-action-row {

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

@@ -8,9 +8,33 @@
 
 import { Injectable, inject } from '@angular/core';
 import { HttpClient } from '@angular/common/http';
-import { Observable } from 'rxjs';
+import { Observable, of } from 'rxjs';
-import { map } from 'rxjs/operators';
+import { catchError, map, shareReplay, switchMap } from 'rxjs/operators';
-import { BranchMaster, LoanApplication } from './loan-origination-data';
+import {
+  BranchMaster,
+  LoanApplication,
+  PRIORITY_SECTOR_CATEGORIES,
+  WEAKER_SECTION_TYPES
+} from './loan-origination-data';
+
+/** The core banking loan account an application has been given, with where it stands. */
+export interface LoanAccountState {
+  id: number;
+  accountNo: string;
+  status: string;
+  pendingApproval: boolean;
+  /** Disbursed and running (the loan has money out). */
+  active: boolean;
+}
+
+/** What an opened loan account shows on the stages after signing. */
+export interface AccountOverview {
+  account: { label: string; value: string }[];
+  approval: { by: string; on: string; amount: string };
+  charges: { name: string; amount: string; when: string; added: boolean }[];
+  glAccounts: { label: string; value: string }[];
+  posting: string | null;
+}
 
 /** 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 {
@@ -35,11 +59,159 @@ export class LoanOriginationService {
 
   private readonly baseUrl = '/loan-origination/applications';
 
+  private readonly codeLists = new Map<string, Observable<string[]>>();
+
+  /**
+   * The active values of a system Code (Admin > Codes), in their order. The built-in list is the fallback only when the
+   * Code cannot be read or has no values.
+   */
+  private codeNames(codeName: string, fallback: string[]): Observable<string[]> {
+    let list = this.codeLists.get(codeName);
+    if (!list) {
+      list = this.http.get<any[]>('/codes').pipe(
+        switchMap((codes) => {
+          const code = (codes ?? []).find((c) => c.name === codeName);
+          return code ? this.http.get<any[]>(`/codes/${code.id}/codevalues`) : of([] as any[]);
+        }),
+        map((values) =>
+          (values ?? [])
+            .filter((v) => v.active !== false && v.isActive !== false)
+            .sort((a, b) => (a.position ?? 0) - (b.position ?? 0))
+            .map((v) => String(v.name))
+        ),
+        map((names) => (names.length ? names : fallback)),
+        catchError(() => of(fallback)),
+        shareReplay(1)
+      );
+      this.codeLists.set(codeName, list);
+    }
+    return list;
+  }
+
+  /** The priority sector lending categories (Code "PrioritySectorCategory"). */
+  prioritySectorCategories(): Observable<string[]> {
+    return this.codeNames('PrioritySectorCategory', PRIORITY_SECTOR_CATEGORIES);
+  }
+
+  /** The weaker section types (Code "WeakerSectionType"). */
+  weakerSectionTypes(): Observable<string[]> {
+    return this.codeNames('WeakerSectionType', WEAKER_SECTION_TYPES);
+  }
+
   /** One fixed or recurring deposit account with its balance, rate and maturity. */
   getDepositAccount(kind: 'FD' | 'RD', accountId: number): Observable<any> {
     return this.http.get(`/${kind === 'FD' ? 'fixeddepositaccounts' : 'recurringdepositaccounts'}/${accountId}`);
   }
 
+  /** A customer's open Daily Deposit Scheme accounts (the bank's DDS module keeps these, not Fineract's deposit accounts). */
+  listDdsAccounts(clientId: number): Observable<any[]> {
+    return this.http
+      .get<any[]>('/dds/parties')
+      .pipe(map((parties) => (parties ?? []).filter((p) => p.clientId === clientId && p.status !== 'CLOSED')));
+  }
+
+  /**
+   * The core banking loan account opened for this application, if any. The account screen gives the loan the application
+   * number as its external id, so the two can be matched; null when no account has been created.
+   */
+  loanForApplication(applicationNo: string): Observable<LoanAccountState | null> {
+    // A search, not /loans/external-id/{id}: that answers 404 when there is no account, which the app shows as an error popup.
+    return this.http.get<any>(`/loans?externalId=${encodeURIComponent(applicationNo)}&limit=1`).pipe(
+      map((result) => result?.pageItems?.[0]),
+      map((loan) =>
+        loan?.id
+          ? {
+              id: loan.id,
+              accountNo: loan.accountNo,
+              status: loan.status?.value ?? '—',
+              pendingApproval: !!loan.status?.pendingApproval,
+              active: !!loan.status?.active
+            }
+          : null
+      ),
+      catchError(() => of(null))
+    );
+  }
+
+  /** Everything the Post-Disbursement / Disbursement stages show about the account that was opened for an application. */
+  loanAccountOverview(loanId: number): Observable<AccountOverview> {
+    return this.http.get<any>(`/loans/${loanId}?associations=charges`).pipe(
+      switchMap((loan) =>
+        this.http.get<any>(`/loanproducts/${loan.loanProductId}`).pipe(
+          catchError(() => of({})),
+          map((product) => {
+            const date = (v: any) =>
+              Array.isArray(v)
+                ? v
+                    .slice(0, 3)
+                    .reverse()
+                    .map((n: number) => String(n).padStart(2, '0'))
+                    .join('-')
+                : (v ?? '—');
+            const inr = (v: any) =>
+              v === null || v === undefined || v === '' ? '—' : '₹' + Number(v).toLocaleString('en-IN');
+            const txt = (v: any) => (v === null || v === undefined || v === '' ? '—' : String(v));
+            const productChargeIds = new Set<number>((product.charges ?? []).map((c: any) => c.id));
+            const gl = (account: any) => (account?.glCode ? account.glCode + ' · ' + account.name : '—');
+            const maps = product.accountingMappings ?? {};
+            const cash = product.accountingRule?.id === 2;
+            return {
+              account: [
+                { label: 'Account no.', value: txt(loan.accountNo) },
+                { label: 'Status', value: txt(loan.status?.value) },
+                { label: 'Product', value: txt(loan.loanProductName) },
+                { label: 'Customer', value: txt(loan.clientName) },
+                { label: 'Principal', value: inr(loan.principal) },
+                {
+                  label: 'Interest rate',
+                  value: loan.annualInterestRate !== undefined ? loan.annualInterestRate + '% p.a.' : '—'
+                },
+                {
+                  label: 'Term',
+                  value:
+                    loan.termFrequency !== undefined
+                      ? loan.termFrequency + ' ' + (loan.termPeriodFrequencyType?.value ?? '')
+                      : '—'
+                },
+                { label: 'Purpose', value: txt(loan.loanPurposeName) },
+                { label: 'Submitted on', value: date(loan.timeline?.submittedOnDate) },
+                { label: 'Expected disbursement', value: date(loan.timeline?.expectedDisbursementDate) }
+              ],
+              approval: {
+                by: txt(loan.timeline?.approvedByUsername),
+                on: date(loan.timeline?.approvedOnDate),
+                amount: inr(loan.approvedPrincipal)
+              },
+              charges: (loan.charges ?? []).map((c: any) => ({
+                name: c.name as string,
+                amount: inr(c.amount),
+                when: (c.chargeTimeType?.value ?? '—') as string,
+                added: !productChargeIds.has(c.chargeId)
+              })),
+              glAccounts: [
+                { label: 'Fund source (paid out on disbursement)', value: gl(maps.fundSourceAccount) },
+                { label: "Loan portfolio (the customer's loan account)", value: gl(maps.loanPortfolioAccount) },
+                { label: 'Interest income', value: gl(maps.interestOnLoanAccount) },
+                { label: 'Fee income', value: gl(maps.incomeFromFeeAccount) },
+                { label: 'Penalty income', value: gl(maps.incomeFromPenaltyAccount) },
+                { label: 'Overpayment liability', value: gl(maps.overpaymentLiabilityAccount) },
+                { label: 'Write-off', value: gl(maps.writeOffAccount) }
+              ],
+              posting: cash
+                ? 'On disbursement: Debit ' +
+                  gl(maps.loanPortfolioAccount) +
+                  ' · Credit ' +
+                  gl(maps.fundSourceAccount) +
+                  ' · ' +
+                  inr(loan.principal)
+                : null
+            } as AccountOverview;
+          })
+        )
+      )
+    );
+  }
+
   /** 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(
@@ -145,7 +317,7 @@ export class LoanOriginationService {
     applicationNo: string,
     field: string,
     body: {
-      decision: 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED';
+      decision: 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED' | 'REVOKED';
       approverName: string;
       approverRole: string;
       remarks?: string;

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

@@ -109,7 +109,8 @@ type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target' | 'rate
     '../../cashier/cashier-shared.scss',
     '../../investment/investment-shared.scss',
     '../../npa/npa-shared.scss',
-    '../loan-origination-shared.scss'
+    '../loan-origination-shared.scss',
+    './loan-pipeline.component.scss'
   ],
   standalone: true,
   imports: [

src/app/loans/create-loans-account/create-loans-account.component.html

@@ -6,13 +6,53 @@
   file, You can obtain one at http://mozilla.org/MPL/2.0/.
 -->
 
-<div class="container">
+<div class="cla-container">
+  <!-- Hero header, same as the deposit account screens -->
+  <div class="cla-header">
+    <fa-icon icon="university" class="cla-header__icon"></fa-icon>
+    <div>
+      <h2 class="cla-header__title">Create Loan Account</h2>
+      <div class="cla-header__sub">
+        {{
+          viewMode
+            ? 'The account created for this application, as it was filled (view only).'
+            : 'Pick a product, set terms and review before submit.'
+        }}
+      </div>
+    </div>
+  </div>
+
+  @if (submitBlocked) {
+    <div class="cla-existing">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div>
+        <strong>Not submitted</strong>
+        <span>{{ submitBlocked }}</span>
+      </div>
+    </div>
+  }
+
+  @if (existingLosLoan) {
+    <div class="cla-existing">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div>
+        <strong>Loan account {{ existingLosLoan.accountNo }} — {{ existingLosLoan.status }}</strong>
+        <span>{{
+          viewMode
+            ? 'You are viewing the account that was created. Nothing here can be changed.'
+            : 'It is already created for this application. A second account cannot be created.'
+        }}</span>
+      </div>
+    </div>
+  }
+
   <mat-stepper
-    orientation="vertical"
+    orientation="horizontal"
     [linear]="false"
-    class="mat-elevation-z8"
+    class="cla-stepper"
-    labelPosition="bottom"
+    labelPosition="end"
     #loansAccountStepper
+    (selectionChange)="refreshLosSections()"
   >
     <ng-template matStepperIcon="number">
       <fa-icon icon="pencil-alt" size="sm"></fa-icon>
@@ -35,7 +75,10 @@
     </ng-template>
 
     <mat-step [stepControl]="loansAccountDetailsForm">
-      <ng-template matStepLabel>{{ 'labels.inputs.DETAILS' | translate }}</ng-template>
+      <ng-template matStepLabel
+        ><fa-icon icon="check-square" class="cla-tab__icon"></fa-icon
+        >{{ 'labels.inputs.DETAILS' | translate }}</ng-template
+      >
 
       <mifosx-loans-account-details-step
         [loansAccountTemplate]="loansAccountTemplate"
@@ -46,7 +89,9 @@
     </mat-step>
 
     <mat-step [stepControl]="loansAccountTermsForm">
-      <ng-template matStepLabel>{{ 'labels.inputs.TERMS' | translate }}</ng-template>
+      <ng-template matStepLabel
+        ><fa-icon icon="file-alt" class="cla-tab__icon"></fa-icon>{{ 'labels.inputs.TERMS' | translate }}</ng-template
+      >
 
       <mifosx-loans-account-terms-step
         #loanAccountTerms
@@ -55,12 +100,103 @@
         [collateralOptions]="collateralOptions"
         [loansAccountFormValid]="loansAccountFormValid"
         [loanPrincipal]="loanPrincipal"
+        [losApplication]="loansAccountDetailsStep?.losApplication"
+        [losAdvance]="
+          !!loansAccountDetailsStep?.losApplication && loansAccountDetailsStep?.categoryFilter === 'advances'
+        "
       >
       </mifosx-loans-account-terms-step>
     </mat-step>
 
+    <!-- Opened from Loan Origination for an entity (not a person): its related persons, the authorised signatories. -->
+    @if (loansAccountDetailsStep?.losIsNonIndividual) {
+      <mat-step>
+        <ng-template matStepLabel
+          ><fa-icon icon="university" class="cla-tab__icon"></fa-icon>Related Persons</ng-template
+        >
+        <table class="cla-related">
+          <thead>
+            <tr>
+              <th>Client ID</th>
+              <th>Title</th>
+              <th>Name</th>
+              <th>Pin</th>
+              <th>Birth date</th>
+              <th>Address</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (person of loansAccountDetailsStep.losRelatedPersons; track $index) {
+              <tr>
+                <td>{{ person.clientId ?? '—' }}</td>
+                <td>{{ person.title || '—' }}</td>
+                <td>{{ person.loading ? 'Loading…' : person.name || '—' }}</td>
+                <td>{{ person.pincode || '—' }}</td>
+                <td>{{ person.birthDate ? (person.birthDate | date: 'dd-MM-yyyy') : '—' }}</td>
+                <td>{{ person.address || '—' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="6">No authorised signatories are recorded for this entity.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+        <div class="layout-row align-center gap-2percent margin-t responsive-column stepper-buttons">
+          <button mat-raised-button matStepperPrevious>
+            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+            {{ 'labels.buttons.Previous' | translate }}
+          </button>
+          <button mat-raised-button matStepperNext>
+            {{ 'labels.buttons.Next' | translate }}
+            <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+          </button>
+        </div>
+      </mat-step>
+    }
+
+    <!-- Advances opened from Loan Origination: the limit, its security and the purpose and renewal date the officer gives. -->
+    @if (loansAccountDetailsStep?.advancesSelected) {
+      <mat-step>
+        <ng-template matStepLabel
+          ><fa-icon icon="check-square" class="cla-tab__icon"></fa-icon>Limit &amp; Security</ng-template
+        >
+        <mifosx-loans-account-los-limit-step
+          [losApplication]="loansAccountDetailsStep?.losApplication"
+          [productId]="loansAccountDetailsStep?.loansAccountDetailsForm?.get('productId')?.value"
+        >
+        </mifosx-loans-account-los-limit-step>
+      </mat-step>
+    }
+
+    <!-- Advances opened from Loan Origination: the SMS alerts the customer gets (the account master's SMS Alert page). -->
+    @if (loansAccountDetailsStep?.advancesSelected) {
+      <mat-step>
+        <ng-template matStepLabel><fa-icon icon="bell" class="cla-tab__icon"></fa-icon>SMS Alerts</ng-template>
+        <mifosx-loans-account-los-sms-step [chequeBookOffered]="!!loansAccountTermsStep?.chequeBookOffered">
+        </mifosx-loans-account-los-sms-step>
+      </mat-step>
+    }
+
+    <!-- The guarantors named at Loan Origination (the account master's guarantor page). -->
+    <!-- Not for a loan on a deposit (FD / RD / DDS / LIC): the deposit is the security, no guarantor is taken. -->
+    @if (
+      loansAccountDetailsStep?.losApplication &&
+      !loansAccountDetailsStep?.losApplication?.depositSelection &&
+      (loansAccountDetailsStep?.losApplication?.guarantorsRequiredCount ||
+        loansAccountDetailsStep?.losApplication?.guarantors?.length)
+    ) {
+      <mat-step>
+        <ng-template matStepLabel><fa-icon icon="user-shield" class="cla-tab__icon"></fa-icon>Guarantors</ng-template>
+        <mifosx-loans-account-los-guarantors-step [losApplication]="loansAccountDetailsStep?.losApplication">
+        </mifosx-loans-account-los-guarantors-step>
+      </mat-step>
+    }
+
     <mat-step>
-      <ng-template matStepLabel>{{ 'labels.inputs.CHARGES' | translate }}</ng-template>
+      <ng-template matStepLabel
+        ><fa-icon icon="coins" class="cla-tab__icon"></fa-icon>{{ 'labels.inputs.CHARGES' | translate }}</ng-template
+      >
 
       <mifosx-loans-account-charges-step
         #loanAccountCharges
@@ -68,13 +204,17 @@
         [loansAccountTemplate]="loansAccountTemplate"
         [loansAccountFormValid]="loansAccountFormValid"
         [loansSavingsAccountLinked]="loansSavingsAccountLinked"
+        [viewOnly]="viewMode"
       >
       </mifosx-loans-account-charges-step>
     </mat-step>
 
-    @if (loansAccountFormValid) {
+    @if (loansAccountFormValid && !losAdvance) {
       <mat-step state="repayment" completed>
-        <ng-template matStepLabel>{{ 'labels.inputs.REPAYMENT SCHEDULE' | translate }}</ng-template>
+        <ng-template matStepLabel
+          ><fa-icon icon="university" class="cla-tab__icon"></fa-icon
+          >{{ 'labels.inputs.REPAYMENT SCHEDULE' | translate }}</ng-template
+        >
         <mifosx-loans-account-schedule-step
           #loanAccountSchedule
           [loansAccountTemplate]="loansAccountTemplate"
@@ -88,18 +228,25 @@
 
     @for (datatable of datatables; track datatable) {
       <mat-step>
-        <ng-template matStepLabel>{{ datatable.registeredTableName }}</ng-template>
+        <ng-template matStepLabel
+          ><fa-icon icon="file-alt" class="cla-tab__icon"></fa-icon>{{ datatable.registeredTableName }}</ng-template
+        >
         <mifosx-loans-account-datatable-step [datatableData]="datatable" #dtloan></mifosx-loans-account-datatable-step>
       </mat-step>
     }
 
     @if (loansAccountFormValid) {
       <mat-step state="preview" completed>
-        <ng-template matStepLabel>{{ 'labels.inputs.PREVIEW' | translate }}</ng-template>
+        <ng-template matStepLabel
+          ><fa-icon icon="eye" class="cla-tab__icon"></fa-icon>{{ 'labels.inputs.PREVIEW' | translate }}</ng-template
+        >
         <mifosx-loans-account-preview-step
           [loansAccountTemplate]="loansAccountTemplate"
           [loansAccountProductTemplate]="loansAccountProductTemplate"
           [loansAccount]="loansAccount"
+          [losSections]="losSections"
+          [losMode]="!!loansAccountDetailsStep?.losApplication"
+          [viewOnly]="viewMode"
           (submitEvent)="submit()"
         >
         </mifosx-loans-account-preview-step>

src/app/loans/create-loans-account/create-loans-account.component.scss

@@ -5,3 +5,190 @@
  * License, v. 2.0. If a copy of the MPL was not distributed with this
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
+
+/* The Nexora account-creation look (same as the deposit account screens): hero header, a tab strip for the steps, a footer
+   with Previous / Next. The steps themselves still work as a stepper. */
+$navy: #0d1b2a;
+$blue: #1e88e5;
+$blue-d: #1e40af;
+$indigo: #4f46e5;
+$border: #e2e8f0;
+
+.cla-container {
+  max-width: 1180px;
+  margin: 0 auto;
+  padding: 20px 24px;
+}
+
+.cla-header {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  margin-bottom: 16px;
+
+  &__icon {
+    width: 44px;
+    height: 44px;
+    display: inline-flex;
+    align-items: center;
+    justify-content: center;
+    border-radius: 12px;
+    background: linear-gradient(135deg, $blue 0%, $indigo 100%);
+    color: #fff;
+    font-size: 18px;
+    box-shadow: 0 2px 8px rgb(29 78 216 / 25%);
+    flex-shrink: 0;
+  }
+
+  &__title {
+    margin: 0;
+    font-size: 20px;
+    font-weight: 800;
+    color: $navy;
+    line-height: 1.1;
+    letter-spacing: 0.02em;
+  }
+
+  &__sub {
+    margin-top: 2px;
+    font-size: 12.5px;
+    color: #64748b;
+  }
+}
+
+.cla-tab__icon {
+  margin-right: 8px;
+  font-size: 13px;
+}
+
+.cla-stepper {
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 14px;
+  box-shadow: 0 1px 3px rgb(15 23 42 / 4%);
+  overflow: hidden;
+
+  ::ng-deep {
+    .mat-horizontal-stepper-header-container {
+      background: #f8fafc;
+      border-bottom: 1px solid $border;
+      margin: 0;
+    }
+
+    /* Step headers read as tabs: label only, equal width, underline on the open one. */
+    .mat-step-header {
+      flex: 1;
+      height: 50px;
+      justify-content: center;
+      padding: 0 12px;
+      border-bottom: 3px solid transparent;
+      border-radius: 0;
+    }
+
+    .mat-step-header .mat-step-icon,
+    .mat-stepper-horizontal-line {
+      display: none;
+    }
+
+    .mat-step-header .mat-step-label {
+      font-size: 13px;
+      font-weight: 600;
+      letter-spacing: 0.01em;
+      color: #94a3b8;
+    }
+
+    .mat-step-header[aria-selected='true'] {
+      border-bottom-color: $blue-d;
+
+      .mat-step-label {
+        color: $blue-d;
+        font-weight: 700;
+      }
+    }
+
+    .mat-step-header:hover:not([aria-selected='true']) {
+      background: rgb(30 64 175 / 5%);
+
+      .mat-step-label {
+        color: $navy;
+      }
+    }
+
+    .mat-horizontal-content-container {
+      padding: 24px;
+
+      @media (width <= 768px) {
+        padding: 16px;
+      }
+    }
+
+    /* Previous on the left, Next on the right, with a rule above, as on the deposit screens. */
+    .stepper-buttons {
+      justify-content: space-between;
+      margin-top: 24px !important;
+      padding-top: 16px;
+      border-top: 1px solid #f1f5f9;
+
+      /* The shared row class clips what is taller than it; the 40px buttons must show whole. */
+      height: auto !important;
+      min-height: 56px;
+      overflow: visible !important;
+      align-items: center;
+
+      button {
+        height: 40px;
+        border-radius: 10px;
+        font-weight: 600;
+        padding: 0 18px;
+      }
+
+      [matStepperPrevious][disabled] {
+        display: none;
+      }
+
+      [matStepperNext] {
+        margin-left: auto;
+      }
+    }
+  }
+}
+
+/* Related persons of an entity (its authorised signatories), as on the account master. */
+.cla-related {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th,
+  td {
+    text-align: left;
+    padding: 8px 10px;
+    border-bottom: 1px solid #e2e8f0;
+  }
+
+  th {
+    background: #f8fafc;
+    color: #475569;
+    font-weight: 600;
+  }
+}
+
+/* An account is already open for the Loan Origination application. */
+.cla-existing {
+  display: flex;
+  align-items: flex-start;
+  gap: 12px;
+  margin-bottom: 14px;
+  padding: 12px 16px;
+  border: 1px solid #fcd34d;
+  border-radius: 12px;
+  background: #fffbeb;
+  color: #92400e;
+  font-size: 13.5px;
+
+  div {
+    display: flex;
+    flex-direction: column;
+    gap: 2px;
+  }
+}

src/app/loans/create-loans-account/create-loans-account.component.ts

@@ -7,7 +7,16 @@
  */
 
 /** Angular Imports */
-import { Component, QueryList, ViewChild, ViewChildren, inject } from '@angular/core';
+import { AfterViewChecked, Component, QueryList, ViewChild, ViewChildren, inject } from '@angular/core';
+import { HttpClient } from '@angular/common/http';
+import { Observable, forkJoin, of } from 'rxjs';
+import { catchError, map, switchMap } from 'rxjs/operators';
+import { Dates } from 'app/core/utils/dates';
+import { LoansAccountLosLimitStepComponent } from '../loans-account-stepper/loans-account-los-limit-step/loans-account-los-limit-step.component';
+import { LoansAccountLosGuarantorsStepComponent } from '../loans-account-stepper/loans-account-los-guarantors-step/loans-account-los-guarantors-step.component';
+import { LoansAccountLosSmsStepComponent } from '../loans-account-stepper/loans-account-los-sms-step/loans-account-los-sms-step.component';
+import { LosPreviewSection } from '../loans-account-stepper/los-preview-section';
+import { LoanAccountState, LoanOriginationService } from 'app/loan-origination/loan-origination.service';
 import { ActivatedRoute, Router } from '@angular/router';
 
 /** Custom Services */
@@ -20,7 +29,14 @@ import { LoansAccountDetailsStepComponent } from '../loans-account-stepper/loans
 import { LoansAccountTermsStepComponent } from '../loans-account-stepper/loans-account-terms-step/loans-account-terms-step.component';
 import { LoansAccountChargesStepComponent } from '../loans-account-stepper/loans-account-charges-step/loans-account-charges-step.component';
 import { LoansAccountDatatableStepComponent } from '../loans-account-stepper/loans-account-datatable-step/loans-account-datatable-step.component';
-import { MatStepper, MatStepperIcon, MatStep, MatStepLabel } from '@angular/material/stepper';
+import {
+  MatStepper,
+  MatStepperIcon,
+  MatStep,
+  MatStepLabel,
+  MatStepperNext,
+  MatStepperPrevious
+} from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { LoansAccountScheduleStepComponent } from '../loans-account-stepper/loans-account-schedule-step/loans-account-schedule-step.component';
 import { LoansAccountPreviewStepComponent } from '../loans-account-stepper/loans-account-preview-step/loans-account-preview-step.component';
@@ -40,25 +56,90 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     FaIconComponent,
     MatStep,
     MatStepLabel,
+    MatStepperNext,
+    MatStepperPrevious,
     LoansAccountDetailsStepComponent,
     LoansAccountTermsStepComponent,
+    LoansAccountLosLimitStepComponent,
+    LoansAccountLosGuarantorsStepComponent,
+    LoansAccountLosSmsStepComponent,
     LoansAccountChargesStepComponent,
     LoansAccountScheduleStepComponent,
     LoansAccountDatatableStepComponent,
     LoansAccountPreviewStepComponent
   ]
 })
-export class CreateLoansAccountComponent {
+export class CreateLoansAccountComponent implements AfterViewChecked {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private loansService = inject(LoansService);
   private settingsService = inject(SettingsService);
   private clientService = inject(ClientsService);
+  private http = inject(HttpClient);
+  private dateUtils = inject(Dates);
+  private originationService = inject(LoanOriginationService);
 
   /** Imports all the step component */
   @ViewChild(LoansAccountDetailsStepComponent, { static: true })
   loansAccountDetailsStep: LoansAccountDetailsStepComponent;
   @ViewChild(LoansAccountTermsStepComponent, { static: true }) loansAccountTermsStep: LoansAccountTermsStepComponent;
+  /** The Limit & Security step an Advances account opened from Loan Origination has. */
+  @ViewChild(LoansAccountLosLimitStepComponent) loansAccountLosLimitStep: LoansAccountLosLimitStepComponent;
+  @ViewChild(LoansAccountLosGuarantorsStepComponent)
+  loansAccountLosGuarantorsStep: LoansAccountLosGuarantorsStepComponent;
+  /** What the Loan Origination steps filled, listed in the Preview; rebuilt whenever the officer moves to another step. */
+  losSections: LosPreviewSection[] = [];
+
+  /** An Advances account opened from Loan Origination has no repayment schedule. */
+  get losAdvance(): boolean {
+    return (
+      !!this.loansAccountDetailsStep?.losApplication && this.loansAccountDetailsStep?.categoryFilter === 'advances'
+    );
+  }
+
+  refreshLosSections(): void {
+    const details = this.loansAccountDetailsStep;
+    if (!details?.losApplication) {
+      // an Advances account opened without a Loan Origination application still lists the limit and SMS steps it filled
+      this.losSections = details?.advancesSelected ? [
+            ...(this.loansAccountLosLimitStep?.previewSections() ?? []),
+            ...(this.loansAccountLosSmsStep?.previewSections() ?? [])
+          ] : [];
+      return;
+    }
+    this.originationService.loanForApplication(details.losApplication.applicationNo).subscribe((loan) => {
+      this.existingLosLoan = loan;
+    });
+    const persons = details.losIsNonIndividual
+      ? [
+          {
+            title: 'Related persons',
+            rows: (details.losRelatedPersons ?? []).map((p: any, i: number) => ({
+              label: 'Person ' + (i + 1),
+              value: [
+                p.name,
+                p.title,
+                p.pincode,
+                p.address
+              ]
+                .filter(Boolean)
+                .join(' · ')
+            }))
+          }
+        ]
+      : [];
+    this.losSections = [
+      ...details.previewSections(),
+      ...persons,
+      ...(this.loansAccountTermsStep?.previewSections() ?? []),
+      ...(this.loansAccountLosLimitStep?.previewSections() ?? []),
+      ...(this.loansAccountLosSmsStep?.previewSections() ?? []),
+      ...(this.loansAccountLosGuarantorsStep?.previewSections() ?? [])
+    ];
+  }
+
+  /** The SMS Alerts step of an account opened from Loan Origination. */
+  @ViewChild(LoansAccountLosSmsStepComponent) loansAccountLosSmsStep: LoansAccountLosSmsStepComponent;
   @ViewChild(LoansAccountChargesStepComponent, { static: true })
   loansAccountChargesStep: LoansAccountChargesStepComponent;
   /** Get handle on dtloan tags in the template */
@@ -170,6 +251,138 @@ export class CreateLoansAccountComponent {
    * Submits Data to create loan account
    */
   submit() {
+    // An Advances account needs the Limit & Security step filled (purpose, and the sanction when there is no application).
+    this.submitBlocked = '';
+    const limit = this.loansAccountLosLimitStep;
+    if (this.loansAccountDetailsStep?.advancesSelected && limit?.form.invalid) {
+      limit.form.markAllAsTouched();
+      this.submitBlocked =
+        'Complete the Limit & Security step before submitting: the purpose of the loan and, without a Loan Origination application, the sanction no. and date.';
+      return;
+    }
+    // An application that does not belong to this customer, or is not ready for an account, is never linked.
+    if (this.loansAccountDetailsStep?.losMode && this.loansAccountDetailsStep.losError) {
+      return;
+    }
+    const los = this.loansAccountDetailsStep?.losApplication;
+    if (!los) {
+      this.createAccount();
+      return;
+    }
+    // One account per Loan Origination application: look again just before creating (it may have been opened meanwhile).
+    this.originationService.loanForApplication(los.applicationNo).subscribe((existing) => {
+      this.existingLosLoan = existing;
+      if (!existing) {
+        this.createAccount();
+      }
+    });
+  }
+
+  /** Why Submit did nothing (shown above the steps); empty when nothing is wrong. */
+  submitBlocked = '';
+
+  /** The account already opened for the Loan Origination application on screen (null: none yet). */
+  existingLosLoan: LoanAccountState | null = null;
+
+  /** Opened with ?view=1 from Loan Origination (View Account): the account that was created, shown read-only. */
+  get viewMode(): boolean {
+    return this.route.snapshot.queryParamMap.get('view') === '1';
+  }
+
+  private viewApplied = false;
+
+  ngAfterViewChecked(): void {
+    const details = this.loansAccountDetailsStep;
+    if (
+      !this.viewMode ||
+      this.viewApplied ||
+      !details?.losApplication ||
+      !this.loansAccountLosLimitStep ||
+      !this.loansAccountLosSmsStep ||
+      !this.loansAccountTermsStep
+    ) {
+      return;
+    }
+    this.viewApplied = true;
+    this.originationService.loanForApplication(details.losApplication.applicationNo).subscribe((loan) => {
+      if (!loan) {
+        return;
+      }
+      this.existingLosLoan = loan;
+      forkJoin({
+        full: this.http.get<any>(`/loans/${loan.id}?associations=charges`),
+        services: this.http.get<any[]>(`/datatables/loan_account_services/${loan.id}`).pipe(catchError(() => of([])))
+      }).subscribe(({ full, services }) => this.showCreatedAccount(full, services?.[0] ?? {}));
+    });
+  }
+
+  /** Fills every step from what was saved with the account, and locks them. */
+  private showCreatedAccount(loan: any, row: any): void {
+    const yes = (v: any) => v === true || v === 'true';
+    const iso = (v: any) =>
+      Array.isArray(v)
+        ? v
+            .slice(0, 3)
+            .map((n: number) => String(n).padStart(2, '0'))
+            .join('-')
+            .replace(/^(\d+)-/, '$1-')
+        : '';
+    const num = (v: any) => (v === null || v === undefined ? null : Number(v));
+
+    const limit = this.loansAccountLosLimitStep;
+    limit.form.patchValue({
+      purpose: row.loan_purpose_text ?? loan.loanPurposeName ?? '',
+      documentRenewalDate: iso(row.document_renewal_date),
+      prioritySectorCategory: row.priority_sector_category ?? ''
+    });
+    limit.form.disable();
+
+    const sms = this.loansAccountLosSmsStep;
+    sms.form.patchValue({
+      smsActive: yes(row.sms_active) ? 'yes' : 'no',
+      smsCharge: yes(row.sms_charge) ? 'yes' : 'no',
+      disbursementAlert: yes(row.sms_disbursement_alert),
+      dueAlert: yes(row.sms_due_alert),
+      overdueAlert: yes(row.sms_overdue_alert),
+      renewAlert: yes(row.sms_renew_alert),
+      closureAlert: yes(row.sms_closure_alert),
+      repaymentAlert: yes(row.sms_credit_clearing),
+      debitAlert: yes(row.sms_debit_clearing),
+      chargeInterest: yes(row.sms_charge_interest),
+      chequeBook: yes(row.sms_cheque_book),
+      debitAbove: num(row.sms_debit_above) ?? 0,
+      creditAbove: num(row.sms_credit_above) ?? 0
+    });
+    sms.form.disable();
+
+    const terms = this.loansAccountTermsStep;
+    terms.losServicesForm.patchValue({
+      chequeBookIssue: yes(row.cheque_book_issue),
+      ppsLimit: num(row.pps_limit),
+      atmActive: yes(row.atm_active),
+      impsActive: yes(row.imps_active),
+      impsPrimary: yes(row.imps_primary_account),
+      mmid: row.mmid ?? '',
+      upiActive: yes(row.upi_active),
+      posActive: yes(row.pos_active),
+      atmPerTxn: num(row.atm_per_txn_limit),
+      atmDay: num(row.atm_day_limit),
+      posPerTxn: num(row.pos_per_txn_limit),
+      posDay: num(row.pos_day_limit),
+      upiPerTxn: num(row.upi_per_txn_limit),
+      upiDay: num(row.upi_day_limit)
+    });
+    terms.losServicesForm.disable();
+
+    // the charges the account actually has
+    this.loansAccountChargesStep.chargesDataSource = (loan.charges ?? []).map((c: any) => ({
+      ...c,
+      chargeId: c.chargeId ?? c.id
+    }));
+    this.refreshLosSections();
+  }
+
+  private createAccount() {
     const locale = this.settingsService.language.code;
     const dateFormat = this.settingsService.dateFormat;
     const payload = this.loansService.buildLoanRequestPayload(
@@ -179,6 +392,10 @@ export class CreateLoansAccountComponent {
       locale,
       dateFormat
     );
+    // The application number is the loan's external id: it is how Loan Origination finds (and shows the status of) this account.
+    if (this.loansAccountDetailsStep?.losApplication) {
+      payload['externalId'] = this.loansAccountDetailsStep.losApplication.applicationNo;
+    }
 
     if (this.loansAccountProductTemplate.datatables && this.loansAccountProductTemplate.datatables.length > 0) {
       const datatables: any[] = [];
@@ -188,15 +405,84 @@ export class CreateLoansAccountComponent {
       payload['datatables'] = datatables;
     }
 
-    this.loansService.createLoansAccount(payload).subscribe((response: any) => {
+    // Opened from Loan Origination for an Advances account: the services the officer filled are saved with the new loan.
-      this.router.navigate(
+    const losServices =
-        [
+      this.loansAccountDetailsStep.losMode && this.loansAccountTermsStep.losAdvance
-          '../',
+        ? {
-          response.resourceId,
+            ...this.loansAccountTermsStep.losServices,
-          'general'
+            // sanction no. and date, secured, security type and the document renewal date, with the services
-        ],
+            ...(this.loansAccountLosLimitStep?.datatableValues((iso) =>
-        { relativeTo: this.route }
+              this.dateUtils.formatDate(new Date(iso + 'T00:00:00'), dateFormat)
-      );
+            ) ?? {}),
-    });
+            ...(this.loansAccountLosSmsStep?.datatableValues((iso) =>
+              this.dateUtils.formatDate(new Date(iso + 'T00:00:00'), dateFormat)
+            ) ?? {})
+          }
+        : this.loansAccountDetailsStep.advancesSelected
+          ? {
+              // no application: only what the Limit & Security and SMS Alerts steps took
+              ...(this.loansAccountLosLimitStep?.datatableValues((iso) =>
+                this.dateUtils.formatDate(new Date(iso + 'T00:00:00'), dateFormat)
+              ) ?? {}),
+              ...(this.loansAccountLosSmsStep?.datatableValues((iso) =>
+                this.dateUtils.formatDate(new Date(iso + 'T00:00:00'), dateFormat)
+              ) ?? {})
+            }
+          : null;
+
+    const create = () =>
+      this.loansService.createLoansAccount(payload).subscribe((response: any) => {
+        if (losServices && response.loanId) {
+          const body = { ...losServices, locale: locale, dateFormat: dateFormat };
+          this.http.post(`/datatables/loan_account_services/${response.loanId}`, body).subscribe();
+        }
+        this.router.navigate(
+          [
+            '../',
+            response.resourceId,
+            'general'
+          ],
+          { relativeTo: this.route }
+        );
+      });
+
+    // The purpose is typed, but the loan's own purpose field (shown in the approval list and on the loan) takes a code value:
+    // use the matching one, or add it to the Loan Purpose code.
+    const purpose = this.loansAccountLosLimitStep?.purposeText;
+    if (purpose) {
+      this.purposeCodeValueId(purpose).subscribe((id) => {
+        if (id) {
+          payload['loanPurposeId'] = id;
+        }
+        create();
+      });
+    } else {
+      create();
+    }
+  }
+
+  /** The Loan Purpose code value for this text: an existing one (by name or description), else a new one. */
+  private purposeCodeValueId(text: string): Observable<number | null> {
+    const wanted = text.trim().toLowerCase();
+    return this.http.get<any[]>('/codes/3/codevalues').pipe(
+      switchMap((values) => {
+        const found = (values ?? []).find(
+          (v) => v.name?.trim().toLowerCase() === wanted || v.description?.trim().toLowerCase() === wanted
+        );
+        if (found) {
+          return of(found.id as number);
+        }
+        const position = (values ?? []).reduce((max, v) => Math.max(max, v.position ?? 0), 0) + 1;
+        return this.http
+          .post<any>('/codes/3/codevalues', {
+            name: text.trim().slice(0, 100),
+            description: text.trim(),
+            isActive: true,
+            position
+          })
+          .pipe(map((r) => r.subResourceId as number));
+      }),
+      catchError(() => of(null))
+    );
   }
 }

src/app/loans/loans-account-stepper/loans-account-charges-step/loans-account-charges-step.component.html

@@ -6,24 +6,26 @@
   file, You can obtain one at http://mozilla.org/MPL/2.0/.
 -->
 
-<div class="layout-row-wrap gap-2px responsive-column">
+<div class="layout-row-wrap gap-2px responsive-column" [class.view-only]="viewOnly">
-  <mat-form-field class="flex-48">
+  @if (!viewOnly) {
-    <mat-label>{{ 'labels.inputs.Charge' | translate }}</mat-label>
+    <mat-form-field class="flex-48">
-    <mat-select #charge>
+      <mat-label>{{ 'labels.inputs.Charge' | translate }}</mat-label>
-      @for (charge of chargeData; track charge) {
+      <mat-select #charge>
-        <mat-option [value]="charge">
+        @for (charge of chargeData; track charge) {
-          {{ charge.name }}
+          <mat-option [value]="charge">
-        </mat-option>
+            {{ charge.name }}
-      }
+          </mat-option>
-    </mat-select>
+        }
-  </mat-form-field>
+      </mat-select>
+    </mat-form-field>
 
-  <div class="flex-48 align-center">
+    <div class="flex-48 align-center">
-    <button type="button" mat-raised-button color="primary" (click)="addCharge(charge)" [disabled]="!charge.value">
+      <button type="button" mat-raised-button color="primary" (click)="addCharge(charge)" [disabled]="!charge.value">
-      <fa-icon icon="plus" class="m-r-10"></fa-icon>
+        <fa-icon icon="plus" class="m-r-10"></fa-icon>
-      {{ 'labels.buttons.Add' | translate }}
+        {{ 'labels.buttons.Add' | translate }}
-    </button>
+      </button>
-  </div>
+    </div>
+  }
 
   <table
     class="flex-98 mat-elevation-z1"
@@ -102,9 +104,13 @@
     <ng-container matColumnDef="action">
       <th mat-header-cell *matHeaderCellDef>{{ 'labels.inputs.Actions' | translate }}</th>
       <td mat-cell *matCellDef="let charge">
-        <button mat-icon-button color="warn" (click)="deleteCharge(charge)">
+        @if (canDelete(charge)) {
-          <fa-icon icon="trash"></fa-icon>
+          <button mat-icon-button color="warn" (click)="deleteCharge(charge)">
-        </button>
+            <fa-icon icon="trash"></fa-icon>
+          </button>
+        } @else {
+          <span class="charge-locked" title="Comes with the product">Product</span>
+        }
       </td>
     </ng-container>
 

src/app/loans/loans-account-stepper/loans-account-charges-step/loans-account-charges-step.component.scss

@@ -42,3 +42,19 @@ mat-divider {
 .tableName {
   padding-left: 2%;
 }
+
+/* A charge the product brings: shown, but not removable. */
+.charge-locked {
+  display: inline-block;
+  padding: 2px 10px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 600;
+  color: #475569;
+  background: #e2e8f0;
+}
+
+/* An account already created: the charges are shown, not edited. */
+.view-only [mat-icon-button] {
+  display: none;
+}

src/app/loans/loans-account-stepper/loans-account-charges-step/loans-account-charges-step.component.ts

@@ -147,6 +147,9 @@ export class LoansAccountChargesStepComponent implements OnInit, OnChanges {
     this.loanId = this.route.snapshot.params['loanId'];
   }
 
+  /** Shows the charges of an account already created (opened from Loan Origination): nothing can be added, changed or removed. */
+  @Input() viewOnly = false;
+
   ngOnInit() {
     if (this.loansAccountTemplate && this.loansAccountTemplate.charges) {
       this.chargesDataSource =
@@ -210,9 +213,16 @@ export class LoansAccountChargesStepComponent implements OnInit, OnChanges {
    * Add a charge
    */
   addCharge(charge: any) {
+    const chargeId = charge.value.id || charge.value.chargeId;
+    // A charge the product already brings stays as it is (and cannot be removed); adding it again would replace it.
+    if (this.chargesDataSource.some((c: any) => (c.chargeId ?? c.id) === chargeId)) {
+      charge.value = '';
+      return;
+    }
     const newCharge = {
       ...charge.value,
-      chargeId: charge.value.id || charge.value.chargeId
+      chargeId,
+      addedAtCreation: true
     };
     this.chargesDataSource = this.chargesDataSource.concat([newCharge]);
     charge.value = '';
@@ -356,12 +366,20 @@ export class LoansAccountChargesStepComponent implements OnInit, OnChanges {
   get loansAccountCharges() {
     const uniqueCharges = this.getUniqueCharges(this.chargesDataSource);
     return {
-      charges: uniqueCharges.map((charge: any) => ({
+      charges: uniqueCharges.map(({ addedAtCreation, ...charge }: any) => ({
         ...charge,
         chargeId: charge.chargeId ?? charge.id
       }))
     };
   }
+
+  /**
+   * A charge the officer added while opening the account can be removed again; the ones the product brings cannot. (On an
+   * existing account being modified every charge keeps its delete button.)
+   */
+  canDelete(charge: any): boolean {
+    return !this.viewOnly && (this.loanId != null || !!charge.addedAtCreation);
+  }
   private getUniqueCharges<T extends { id?: number | string; chargeId?: number | string }>(charges: T[]): T[] {
     const uniqueChargesMap = new Map<number | string, T>();
 

src/app/loans/loans-account-stepper/loans-account-details-step/loans-account-details-step.component.html

@@ -7,58 +7,218 @@
 -->
 
 <form [formGroup]="loansAccountDetailsForm">
-  <div class="layout-row-wrap layout-lt-md-column gap-2percent">
+  @if (losMode) {
-    <mat-form-field class="flex-48">
+    <div class="layout-row-wrap layout-lt-md-column gap-2percent">
-      <mat-label>Category</mat-label>
+      <mat-form-field class="flex-48">
-      <mat-select [value]="categoryFilter" (selectionChange)="categoryFilter = $event.value; onCategoryChange()">
+        <mat-label>Category</mat-label>
-        <mat-option value="">All categories</mat-option>
+        <input matInput [value]="losCategoryLabel" readonly />
-        @for (category of categories; track category.id) {
+      </mat-form-field>
-          <mat-option [value]="category.id">{{ category.label }}</mat-option>
+      <mat-form-field class="flex-48">
-        }
+        <mat-label>Product type</mat-label>
-      </mat-select>
+        <input matInput [value]="losTypeLabel" readonly />
-    </mat-form-field>
+      </mat-form-field>
-    <mat-form-field class="flex-48">
+    </div>
-      <mat-label>Product type</mat-label>
+    <div class="layout-row-wrap gap-2px responsive-column">
-      <mat-select [value]="typeFilter" (selectionChange)="typeFilter = $event.value; applyProductFilters()">
+      <mat-form-field class="flex-fill">
-        <mat-option value="">All types</mat-option>
+        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-        @for (type of typeOptions; track type.id) {
+        <input matInput [value]="losProductName" readonly />
-          <mat-option [value]="type.id">{{ type.label }}</mat-option>
+      </mat-form-field>
-        }
+    </div>
-      </mat-select>
+  }
-    </mat-form-field>
+  @if (!losMode) {
-  </div>
+    <div class="layout-row-wrap layout-lt-md-column gap-2percent">
+      <mat-form-field class="flex-48">
+        <mat-label>Category</mat-label>
+        <mat-select
+          [value]="categoryFilter"
+          [disabled]="losMode"
+          (selectionChange)="categoryFilter = $event.value; onCategoryChange()"
+        >
+          <mat-option value="">All categories</mat-option>
+          @for (category of categories; track category.id) {
+            <mat-option [value]="category.id">{{ category.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field class="flex-48">
+        <mat-label>Product type</mat-label>
+        <mat-select
+          [value]="typeFilter"
+          [disabled]="losMode"
+          (selectionChange)="typeFilter = $event.value; applyProductFilters()"
+        >
+          <mat-option value="">All types</mat-option>
+          @for (type of typeOptions; track type.id) {
+            <mat-option [value]="type.id">{{ type.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
 
-  <div class="layout-row-wrap gap-2px responsive-column">
+    <div class="layout-row-wrap gap-2px responsive-column">
-    <mat-form-field class="flex-fill">
+      <mat-form-field class="flex-fill">
-      <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
+        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-      <mat-select
+        <mat-select
-        required
+          required
-        matTooltip="{{ 'tooltips.Name of the loan product' | translate }}"
+          matTooltip="{{ 'tooltips.Name of the loan product' | translate }}"
-        formControlName="productId"
+          formControlName="productId"
-      >
+        >
-        <mat-option>
+          <mat-option>
-          <ngx-mat-select-search
+            <ngx-mat-select-search
-            placeholderLabel="{{ placeHolderLabel }}"
+              placeholderLabel="{{ placeHolderLabel }}"
-            noEntriesFoundLabel="{{ noEntriesFoundLabel }}"
+              noEntriesFoundLabel="{{ noEntriesFoundLabel }}"
-            [formControl]="filterFormCtrl"
+              [formControl]="filterFormCtrl"
-          ></ngx-mat-select-search>
+            ></ngx-mat-select-search>
-        </mat-option>
-        @for (product of productData | async; track product) {
-          <mat-option [value]="product.id">
-            {{ product.name }}
           </mat-option>
+          @for (product of productData | async; track product) {
+            <mat-option [value]="product.id">
+              {{ product.name }}
+            </mat-option>
+          }
+        </mat-select>
+        <mat-error>
+          {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
+          <strong>{{ 'labels.commons.required' | translate }}</strong>
+        </mat-error>
+      </mat-form-field>
+    </div>
+
+    <!-- The customer's Loan Origination applications that are ready for an account, narrowed by the category, type and product above. -->
+    <div class="layout-row-wrap gap-2px responsive-column">
+      <mat-form-field class="flex-fill">
+        <mat-label>Link to a Loan Origination application</mat-label>
+        <mat-select [disabled]="!losChoices.length" (selectionChange)="useLosApplication($event.value)">
+          @for (choice of losChoices; track choice.app.applicationNo) {
+            <mat-option [value]="choice.app.applicationNo">{{ choice.label }}</mat-option>
+          }
+        </mat-select>
+        <mat-hint>
+          @if (losChoices.length) {
+            Choosing one opens this screen for that application, with its product, customer and terms filled in.
+          } @else if (hasLosCandidates) {
+            No application at Customer Signing matches this category, type and product for this customer.
+          } @else {
+            This customer has no Loan Origination application at Customer Signing waiting for an account.
+          }
+        </mat-hint>
+      </mat-form-field>
+    </div>
+  }
+
+  @if (losMode) {
+    @if (losError) {
+      <p class="los-error">{{ losError }}</p>
+    }
+    @if (losApplication; as app) {
+      <div class="los-card">
+        <div class="los-card__head">
+          <strong>Loan Origination application</strong>
+          <a class="los-card__link" [routerLink]="['/loan-origination/application', app.applicationNo]">{{
+            app.applicationNo
+          }}</a>
+          <span class="los-card__chip">{{ app.currentStage }}</span>
+        </div>
+        <div class="los-card__grid">
+          <div>
+            <span class="los-card__label">Amount</span><span>₹{{ app.requestedAmount | number: '1.0-0' }}</span>
+          </div>
+          <div>
+            <span class="los-card__label">Tenure</span><span>{{ app.tenureMonths }} months</span>
+          </div>
+          <div>
+            <span class="los-card__label">Interest rate</span><span>{{ app.interestRate }}% p.a.</span>
+          </div>
+          <div>
+            <span class="los-card__label">Secured on</span
+            ><span>{{ app.depositSelection?.accountNos?.join(', ') || '—' }}</span>
+          </div>
+        </div>
+      </div>
+    }
+    @if (losCustomer; as c) {
+      <div class="los-customer">
+        <h3 class="mat-h3">Customer details</h3>
+        @if (c.missing) {
+          <p class="los-error">This application is not linked to a bank client yet.</p>
+        } @else {
+          <div class="los-customer__grid">
+            <div>
+              <span class="los-card__label">Client ID</span><span>{{ c.accountNo || c.clientId }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Name</span><span>{{ c.name }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Client type</span><span>{{ c.clientType || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Father's name</span><span>{{ c.fatherName || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Gender</span><span>{{ c.gender || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Date of birth</span><span>{{ c.dateOfBirth | date: 'dd-MM-yyyy' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Adult / Minor</span><span>{{ c.minor ? 'Minor' : 'Adult' }}</span>
+            </div>
+            <div class="los-customer__wide">
+              <span class="los-card__label">Address</span>
+              <span>
+                @if (c.address; as ad) {
+                  {{ ad.lines.join(', ') }}{{ ad.city ? ', ' + ad.city : '' }}{{ ad.district ? ', ' + ad.district : ''
+                  }}{{ ad.state ? ', ' + ad.state : '' }}{{ ad.pincode ? ' - ' + ad.pincode : '' }}
+                } @else {
+                  —
+                }
+              </span>
+            </div>
+            <div>
+              <span class="los-card__label">Mobile</span><span>{{ c.mobile || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Occupation</span><span>{{ c.occupation || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Nationality</span><span>{{ c.nationality || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Branch</span><span>{{ c.branch || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">PAN</span
+              ><span
+                >{{ c.pan || '—' }}
+                @if (c.pan) {
+                  ({{ c.panVerified ? 'verified' : 'not verified' }})
+                }
+              </span>
+            </div>
+            <div>
+              <span class="los-card__label">Aadhaar</span
+              ><span
+                >{{ c.aadhaar || '—' }}
+                @if (c.aadhaar) {
+                  ({{ c.aadhaarVerified ? 'verified' : 'not verified' }})
+                }
+              </span>
+            </div>
+            <div>
+              <span class="los-card__label">KYC status</span><span>{{ c.kycStatus || '—' }}</span>
+            </div>
+            <div>
+              <span class="los-card__label">Risk</span><span>{{ c.risk || '—' }}</span>
+            </div>
+          </div>
         }
-      </mat-select>
+      </div>
-      <mat-error>
+    }
-        {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
+  } @else {
-        <strong>{{ 'labels.commons.required' | translate }}</strong>
+    <mifosx-loan-product-template-card [product]="selectedProduct"></mifosx-loan-product-template-card>
-      </mat-error>
+  }
-    </mat-form-field>
-  </div>
 
-  <mifosx-loan-product-template-card [product]="selectedProduct"></mifosx-loan-product-template-card>
+  @if (loanProductSelected && !losMode) {
-
-  @if (loanProductSelected) {
     <div class="layout-row-wrap layout-lt-md-column gap-2percent">
       <mat-form-field class="flex-48">
         <mat-label>{{ 'labels.inputs.External id' | translate }}</mat-label>

src/app/loans/loans-account-stepper/loans-account-details-step/loans-account-details-step.component.scss

@@ -30,3 +30,55 @@ mat-divider {
 .margin-t {
   margin-top: 1em;
 }
+
+/* Opened from Loan Origination: the application card and the customer's details. */
+.los-card,
+.los-customer {
+  border: 1px solid #c9d7f2;
+  border-radius: 8px;
+  background: #f3f7ff;
+  padding: 12px 16px;
+  margin: 8px 0 16px;
+}
+
+.los-card__head {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  margin-bottom: 8px;
+}
+
+.los-card__link {
+  font-weight: 600;
+}
+
+.los-card__chip {
+  font-size: 11px;
+  padding: 2px 8px;
+  border-radius: 10px;
+  background: #e3ebff;
+}
+
+.los-card__grid,
+.los-customer__grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
+  gap: 10px 16px;
+}
+
+.los-customer__wide {
+  grid-column: 1 / -1;
+}
+
+.los-card__label {
+  display: block;
+  font-size: 11px;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  color: #5b6b8c;
+}
+
+.los-error {
+  color: #b3261e;
+  font-size: 13px;
+}

src/app/loans/loans-account-stepper/loans-account-details-step/loans-account-details-step.component.ts

@@ -35,6 +35,12 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { LoanProductCatalogService } from '../../services/loan-product-catalog.service';
 import { LoanProductTemplateCardComponent } from '../loan-product-template-card/loan-product-template-card.component';
 import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from 'app/products/loan-products/loan-product-types';
+import { ClientsService } from 'app/clients/clients.service';
+import { LoanOriginationService } from 'app/loan-origination/loan-origination.service';
+import { LoanApplication } from 'app/loan-origination/loan-origination-data';
+import { LosPreviewSection } from '../los-preview-section';
+import { forkJoin, of } from 'rxjs';
+import { catchError } from 'rxjs/operators';
 
 /**
  * Loans Account Details Step
@@ -64,6 +70,96 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
   private settingsService = inject(SettingsService);
   private commons = inject(Commons);
   private catalog = inject(LoanProductCatalogService);
+  private clientsService = inject(ClientsService);
+  private originationService = inject(LoanOriginationService);
+
+  /**
+   * Set when this screen was opened from the Loan Origination pipeline (?los=<application no>): the category, type and product
+   * come from that application and cannot be changed, only what a loan account needs is asked, and the customer's details are
+   * shown from the client record. Opened any other way, the screen is exactly as it always was.
+   */
+  losApplicationNo: string | null = null;
+  losApplication: LoanApplication | null = null;
+
+  /**
+   * The customer's Loan Origination applications an account can be opened for: at Customer Signing, still in progress and with no
+   * account opened yet. They are matched to loan products by name, so the category and type come from the product, not from a list here.
+   */
+  private losCandidates: { app: LoanApplication; productId: number; group: string; type: string; label: string }[] = [];
+  /** The candidates that fit the category, type and product chosen above; refreshed whenever one of them changes. */
+  losChoices: { app: LoanApplication; productId: number; label: string }[] = [];
+  losError = '';
+  losProductName = '';
+  /** The customer's details for the Customer block (read from the client record, KYC and address). */
+  losCustomer: any = null;
+
+  /** The application and the customer it was raised for, for the Preview. */
+  previewSections(): LosPreviewSection[] {
+    const app = this.losApplication;
+    const c = this.losCustomer;
+    if (!app) {
+      return [];
+    }
+    const sections: LosPreviewSection[] = [
+      {
+        title: 'Loan Origination application',
+        rows: [
+          { label: 'Application no.', value: app.applicationNo },
+          { label: 'Product', value: app.productName ?? '—' },
+          { label: 'Branch', value: app.branchName ?? '—' }
+        ]
+      }
+    ];
+    if (c && !c.missing) {
+      const a = c.address;
+      sections.push({
+        title: 'Customer',
+        rows: [
+          { label: 'Client ID', value: String(c.clientId ?? '—') },
+          { label: 'Name', value: c.name ?? '—' },
+          { label: 'Client type', value: c.clientType ?? '—' },
+          { label: "Father's name", value: c.fatherName ?? '—' },
+          { label: 'Gender', value: c.gender ?? '—' },
+          {
+            label: 'Date of birth',
+            value: Array.isArray(c.dateOfBirth) ? c.dateOfBirth.slice(0, 3).reverse().join('-') : (c.dateOfBirth ?? '—')
+          },
+          { label: 'Mobile', value: c.mobile ?? '—' },
+          { label: 'Occupation', value: c.occupation ?? '—' },
+          { label: 'PAN', value: c.pan ?? '—' },
+          { label: 'Aadhaar', value: c.aadhaar ?? '—' },
+          { label: 'KYC status', value: c.kycStatus ?? '—' },
+          { label: 'Risk', value: c.risk ?? '—' },
+          {
+            label: 'Address',
+            value: a
+              ? [
+                  ...a.lines,
+                  a.city,
+                  a.district,
+                  a.state,
+                  a.pincode
+                ]
+                  .filter(Boolean)
+                  .join(', ')
+              : '—'
+          }
+        ]
+      });
+    }
+    return sections;
+  }
+  /** An entity (company, firm, trust) has related persons -- its authorised signatories -- shown on their own step; a person has none. */
+  losIsNonIndividual = false;
+  losRelatedPersons: {
+    clientId: number | null;
+    title: string;
+    name: string;
+    pincode: string;
+    birthDate: any;
+    address: string;
+    loading: boolean;
+  }[] = [];
 
   //** Defining PlaceHolders for the search bar */
   placeHolderLabel = '';
@@ -135,7 +231,22 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
     this.createLoansAccountDetailsForm();
   }
 
+  /** The category and type of the application's product, named for the read-only fields. */
+  get losCategoryLabel(): string {
+    return PRODUCT_TYPE_GROUPS.find((g) => g.id === this.categoryFilter)?.label ?? '';
+  }
+
+  get losTypeLabel(): string {
+    return (PRODUCT_SUB_TYPES[this.categoryFilter] ?? []).find((s) => s.id === this.typeFilter)?.label ?? '';
+  }
+
+  /** True when the screen was opened from a Loan Origination application. */
+  get losMode(): boolean {
+    return !!this.losApplicationNo;
+  }
+
   ngOnInit() {
+    this.losApplicationNo = this.route.snapshot.queryParamMap.get('los');
     this.placeHolderLabel = this.translateService.instant('labels.text.Search');
     this.noEntriesFoundLabel = this.translateService.instant('labels.text.No data found');
     this.maxDate = this.settingsService.maxFutureDate;
@@ -164,6 +275,279 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
     });
     this.productData.next(this.productList.slice());
     this.loadActiveProducts();
+    if (this.losMode) {
+      this.loadLosApplication();
+    } else {
+      this.loadLosCandidates();
+      this.loansAccountDetailsForm
+        .get('productId')
+        ?.valueChanges.pipe(takeUntil(this._onDestroy))
+        .subscribe(() => this.refreshLosChoices());
+    }
+  }
+
+  private sameName(a: string | undefined, b: string | undefined): boolean {
+    const clean = (v: string | undefined) => (v ?? '').trim().toLowerCase().replace(/\s+/g, ' ');
+    return !!clean(a) && clean(a) === clean(b);
+  }
+
+  /** Reads this customer's applications that are ready for an account and keeps those with no account yet. */
+  private loadLosCandidates(): void {
+    const clientId = Number(this.loansAccountTemplate?.clientId);
+    if (!clientId) {
+      return;
+    }
+    forkJoin({
+      apps: this.originationService.list().pipe(catchError(() => of([] as LoanApplication[]))),
+      catalog: this.catalog.activeProducts().pipe(catchError(() => of([])))
+    }).subscribe(({ apps }) => {
+      const ready = apps.filter(
+        (a) => a.clientId === clientId && a.overallStatus === 'IN_PROGRESS' && a.currentStage === 'CUSTOMER_SIGNING'
+      );
+      if (!ready.length) {
+        return;
+      }
+      // an application that already has its account cannot be linked a second time
+      forkJoin(ready.map((a) => this.originationService.loanForApplication(a.applicationNo))).subscribe((loans) => {
+        this.losCandidates = ready
+          .filter((_a, i) => !loans[i])
+          .map((app) => {
+            const product = this.allProducts.find((p: any) => this.sameName(p.name, app.productName));
+            const ext = product ? this.catalog.classification(product.id) : {};
+            return {
+              app,
+              productId: product ? Number(product.id) : 0,
+              group: ext['productTypeGroup'] ?? '',
+              type: ext['productTypeSubGroup'] ?? '',
+              label:
+                app.applicationNo +
+                ' · ' +
+                (app.productName ?? '') +
+                ' · ₹' +
+                Number(app.requestedAmount).toLocaleString('en-IN') +
+                ' · ' +
+                app.tenureMonths +
+                ' months'
+            };
+          })
+          .filter((c) => c.productId > 0);
+        this.refreshLosChoices();
+      });
+    });
+  }
+
+  /** The applications that fit what is chosen above: category, product type and product. Nothing chosen shows all of them. */
+  refreshLosChoices(): void {
+    const productId = Number(this.loansAccountDetailsForm.get('productId')?.value) || 0;
+    this.losChoices = this.losCandidates.filter(
+      (c) =>
+        (!this.categoryFilter || c.group === this.categoryFilter) &&
+        (!this.typeFilter || c.type === this.typeFilter) &&
+        (!productId || c.productId === productId)
+    );
+  }
+
+  /** The product picked is an Advances product (by its classification): the Limit & Security and SMS Alerts steps apply to it. */
+  get advancesSelected(): boolean {
+    const id = this.loansAccountDetailsForm?.get('productId')?.value;
+    return !!id && this.catalog.classification(id)['productTypeGroup'] === 'advances';
+  }
+
+  get hasLosCandidates(): boolean {
+    return this.losCandidates.length > 0;
+  }
+
+  /** Opens the screen for the chosen application: the same screen as when it is opened from Loan Origination. */
+  useLosApplication(applicationNo: string): void {
+    const clientId = this.loansAccountTemplate?.clientId;
+    if (!applicationNo || !clientId) {
+      return;
+    }
+    window.location.hash = '#/clients/' + clientId + '/loans-accounts/create?los=' + encodeURIComponent(applicationNo);
+    window.location.reload();
+  }
+
+  /** Reads the application and sets the category, type and product from it; the product is then fixed. */
+  private loadLosApplication(): void {
+    this.originationService.get(this.losApplicationNo as string).subscribe({
+      next: (app) => {
+        this.losApplication = app;
+        // An application can only be linked to its own customer, and only once it is ready for an account.
+        const clientId = Number(this.loansAccountTemplate?.clientId);
+        if (clientId && app.clientId !== clientId) {
+          this.losError =
+            'Application ' + app.applicationNo + ' belongs to another customer and cannot be linked to this account.';
+          this.losApplication = null;
+          return;
+        }
+        if (
+          this.route.snapshot.queryParamMap.get('view') !== '1' &&
+          (app.currentStage !== 'CUSTOMER_SIGNING' || app.overallStatus !== 'IN_PROGRESS')
+        ) {
+          this.losError =
+            'Application ' +
+            app.applicationNo +
+            ' is not at Customer Signing, so an account cannot be opened for it yet.';
+          this.losApplication = null;
+          return;
+        }
+        const wanted = (app.productName ?? '').trim().toLowerCase().replace(/\s+/g, ' ');
+        const product = this.allProducts.find(
+          (p: any) => (p.name ?? '').trim().toLowerCase().replace(/\s+/g, ' ') === wanted
+        );
+        if (!product) {
+          this.losError = 'The product "' + app.productName + '" was not found among the loan products.';
+        } else {
+          // The product catalog is read first, so its category and type are known when they are named.
+          this.catalog.activeProducts().subscribe(() => {
+            const ext = this.catalog.classification(product.id);
+            this.categoryFilter = ext['productTypeGroup'] ?? '';
+            this.typeFilter = ext['productTypeSubGroup'] ?? '';
+            this.losProductName = product.name;
+            const today = this.settingsService.businessDate;
+            this.loansAccountDetailsForm.patchValue({
+              productId: product.id,
+              submittedOnDate: today,
+              expectedDisbursementDate: today
+            });
+          });
+        }
+        this.loadLosCustomer(app);
+      },
+      error: () => {
+        this.losError = 'Could not read the loan origination application ' + this.losApplicationNo + '.';
+      }
+    });
+  }
+
+  /**
+   * The entity's authorised signatories are stored as two comma-separated columns, names and client ids in the same order. Each one
+   * linked to a client is filled in from that client's own record (title, name, birth date, address, pincode).
+   */
+  private loadLosRelatedPersons(entity: any): void {
+    const split = (v: any): string[] =>
+      String(v ?? '')
+        .split(',')
+        .map((x) => x.trim())
+        .filter(Boolean);
+    const names = split(entity?.clientNonPersonDetails?.authorizedSignatory);
+    const ids = split(entity?.clientNonPersonDetails?.authorizedSignatoryClientIds);
+    const count = Math.max(names.length, ids.length);
+    this.losRelatedPersons = Array.from({ length: count }, (_u, i) => {
+      const id = ids[i] && Number.isFinite(Number(ids[i])) ? Number(ids[i]) : null;
+      return {
+        clientId: id,
+        title: '',
+        name: names[i] ?? '',
+        pincode: '',
+        birthDate: null as any,
+        address: '',
+        loading: id !== null
+      };
+    });
+    const quiet = catchError(() => of(null));
+    this.losRelatedPersons
+      .filter((r) => r.clientId !== null)
+      .forEach((row) => {
+        forkJoin({
+          person: this.clientsService.getClientData(String(row.clientId), true).pipe(quiet),
+          address: this.clientsService.getClientAddressData(String(row.clientId), true).pipe(quiet)
+        }).subscribe(({ person, address }: any) => {
+          const list: any[] = Array.isArray(address) ? address : [];
+          const addr = list.find((a) => a.isActive) ?? list[0];
+          row.title = person?.salutation?.name ?? '';
+          row.name = person?.displayName ?? row.name;
+          row.birthDate = person?.dateOfBirth ?? null;
+          row.pincode = addr?.postalCode ?? '';
+          row.address = addr
+            ? [
+                addr.addressLine1,
+                addr.addressLine2,
+                addr.addressLine3,
+                addr.city,
+                addr.stateName
+              ]
+                .filter(Boolean)
+                .join(', ')
+            : '';
+          row.loading = false;
+        });
+      });
+  }
+
+  /** The customer's id, name, address, risk and the rest a loan needs, from the client record (nothing typed again). */
+  private loadLosCustomer(app: LoanApplication): void {
+    const clientId = String(app.clientId ?? this.loansAccountTemplate?.clientId ?? '');
+    if (!clientId) {
+      this.losCustomer = { missing: true };
+      return;
+    }
+    const quiet = catchError(() => of(null));
+    forkJoin({
+      client: this.clientsService.getClientData(clientId, true).pipe(quiet),
+      kyc: this.clientsService.getClientKyc(clientId, true).pipe(quiet),
+      address: this.clientsService.getClientAddressData(clientId, true).pipe(quiet),
+      family: this.clientsService.getClientFamilyMembers(clientId).pipe(quiet)
+    }).subscribe(({ client, kyc, address, family }: any) => {
+      const addresses: any[] = Array.isArray(address) ? address : [];
+      const addr =
+        addresses.find((a) => a.isActive && /permanent/i.test(a.addressType ?? '')) ??
+        addresses.find((a) => a.isActive) ??
+        addresses[0];
+      const members: any[] = Array.isArray(family) ? family : [];
+      const father = members.find((m) => /father/i.test(m.relationship ?? ''));
+      const riskLabels: Record<number, string> = { 1: 'Low', 2: 'Medium', 3: 'High' };
+      this.losIsNonIndividual = !!client?.legalForm && client.legalForm.id !== 1;
+      if (this.losIsNonIndividual) {
+        this.loadLosRelatedPersons(client);
+      }
+      this.losCustomer = {
+        clientId: client?.id ?? clientId,
+        accountNo: client?.accountNo,
+        name: client?.displayName ?? app.applicantName,
+        // Individual or Non-individual, from the client's legal form (an entity -- firm, company, trust -- is non-individual).
+        clientType: client?.legalForm
+          ? /^legalFormType\.individual$/i.test(client.legalForm.code ?? '') || client.legalForm.id === 1
+            ? 'Individual'
+            : 'Non-Individual'
+          : null,
+        fatherName: father
+          ? [
+              father.firstName,
+              father.middleName,
+              father.lastName
+            ]
+              .filter(Boolean)
+              .join(' ')
+          : null,
+        gender: client?.gender?.name,
+        dateOfBirth: client?.dateOfBirth,
+        mobile: client?.mobileNo,
+        occupation: client?.occupation?.name ?? client?.occupationCategory?.name,
+        nationality: client?.nationality,
+        branch: client?.officeName ?? app.branchName,
+        minor: client?.isMinor === true,
+        address: addr
+          ? {
+              lines: [
+                addr.addressLine1,
+                addr.addressLine2,
+                addr.addressLine3
+              ].filter(Boolean),
+              city: addr.city,
+              district: addr.countyDistrict,
+              state: addr.stateName,
+              pincode: addr.postalCode
+            }
+          : null,
+        pan: kyc?.panNumber,
+        panVerified: !!kyc?.panVerified,
+        aadhaar: kyc?.aadhaarNumberMasked,
+        aadhaarVerified: !!kyc?.aadhaarVerified,
+        kycStatus: kyc?.kycStatusCode ? String(kyc.kycStatusCode).replace('clientKycStatus.', '') : null,
+        risk: kyc ? (riskLabels[kyc.riskCategory] ?? null) : null
+      };
+    });
   }
 
   /**
@@ -190,6 +574,7 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
 
   /** Rebuilds the product list from the template: active only, then category and type, then the search text. */
   applyProductFilters(): void {
+    this.refreshLosChoices();
     this.productList = this.allProducts.filter((product: any) => {
       if (this.activeProductIds && !this.activeProductIds.has(Number(product.id))) {
         return false;

src/app/loans/loans-account-stepper/loans-account-los-guarantors-step/loans-account-los-guarantors-step.component.html

@@ -0,0 +1,51 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<h4 class="mat-h4">Guarantor master</h4>
+<p class="lgs-note">
+  Guarantors required by the product: <strong>{{ required }}</strong> &middot; named at Loan Origination:
+  <strong>{{ rows.length }}</strong>
+</p>
+
+<table class="lgs-table">
+  <thead>
+    <tr>
+      <th>Client ID</th>
+      <th>Guarantor name</th>
+      <th>Membership (share a/c)</th>
+      <th>Member</th>
+      <th>Address</th>
+    </tr>
+  </thead>
+  <tbody>
+    @for (row of rows; track row.clientId) {
+      <tr>
+        <td>{{ row.clientId }}</td>
+        <td>{{ row.name }}</td>
+        <td>{{ row.membership }}</td>
+        <td>{{ row.member ? 'Yes' : 'No' }}</td>
+        <td>{{ row.address }}</td>
+      </tr>
+    } @empty {
+      <tr>
+        <td colspan="5">No guarantor was named for this application.</td>
+      </tr>
+    }
+  </tbody>
+</table>
+
+<div class="layout-row align-center gap-2percent margin-t responsive-column stepper-buttons">
+  <button mat-raised-button matStepperPrevious>
+    <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+    Previous
+  </button>
+  <button mat-raised-button matStepperNext>
+    Next
+    <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+  </button>
+</div>

src/app/loans/loans-account-stepper/loans-account-los-guarantors-step/loans-account-los-guarantors-step.component.scss

@@ -0,0 +1,32 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+.lgs-note {
+  margin: 0 0 12px;
+  font-size: 13px;
+  color: #475569;
+}
+
+.lgs-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th,
+  td {
+    text-align: left;
+    padding: 8px 10px;
+    border-bottom: 1px solid #e2e8f0;
+  }
+
+  th {
+    background: #f8fafc;
+    color: #475569;
+    font-weight: 600;
+  }
+}

src/app/loans/loans-account-stepper/loans-account-los-guarantors-step/loans-account-los-guarantors-step.component.ts

@@ -0,0 +1,119 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, Input, OnChanges, inject } from '@angular/core';
+import { MatStepperNext, MatStepperPrevious } from '@angular/material/stepper';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { forkJoin, of } from 'rxjs';
+import { catchError } from 'rxjs/operators';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { ClientsService } from 'app/clients/clients.service';
+import { LoanApplication } from 'app/loan-origination/loan-origination-data';
+import { LosPreviewSection } from '../los-preview-section';
+
+interface GuarantorRow {
+  clientId: number;
+  name: string;
+  membership: string;
+  member: boolean;
+  address: string;
+}
+
+/**
+ * Guarantors: the people named for this loan at Loan Origination (each an onboarded client), with their membership (share
+ * account) and address from the client record. Read-only here.
+ */
+@Component({
+  selector: 'mifosx-loans-account-los-guarantors-step',
+  templateUrl: './loans-account-los-guarantors-step.component.html',
+  styleUrls: ['./loans-account-los-guarantors-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatStepperPrevious,
+    MatStepperNext,
+    FaIconComponent
+  ]
+})
+export class LoansAccountLosGuarantorsStepComponent implements OnChanges {
+  private clientsService = inject(ClientsService);
+
+  @Input() losApplication: LoanApplication | null = null;
+
+  rows: GuarantorRow[] = [];
+  private loadedFor: string | null = null;
+
+  get required(): number {
+    return this.losApplication?.guarantorsRequiredCount ?? 0;
+  }
+
+  /** Everything on this step, for the Preview. */
+  previewSections(): LosPreviewSection[] {
+    return [
+      {
+        title: 'Guarantors',
+        rows: this.rows.map((r, i) => ({
+          label: 'Guarantor ' + (i + 1),
+          value:
+            r.name +
+            ' (client ' +
+            r.clientId +
+            ') · member ' +
+            (r.member ? 'yes, ' + r.membership : 'no') +
+            ' · ' +
+            r.address
+        }))
+      }
+    ];
+  }
+
+  ngOnChanges(): void {
+    const app = this.losApplication;
+    if (!app || this.loadedFor === app.applicationNo) {
+      return;
+    }
+    this.loadedFor = app.applicationNo;
+    const guarantors = app.guarantors ?? [];
+    this.rows = guarantors.map((g) => ({
+      clientId: g.clientId,
+      name: g.name,
+      membership: g.shareAccountNos?.join(', ') || '—',
+      member: g.hasShareAccount,
+      address: '…'
+    }));
+    if (!guarantors.length) {
+      return;
+    }
+    forkJoin(
+      guarantors.map((g) =>
+        this.clientsService.getClientAddressData(String(g.clientId), true).pipe(catchError(() => of([])))
+      )
+    ).subscribe((all: any[]) => {
+      this.rows = this.rows.map((row, i) => {
+        const list: any[] = Array.isArray(all[i]) ? all[i] : [];
+        const a =
+          list.find((x) => x.isActive && /permanent/i.test(x.addressType ?? '')) ??
+          list.find((x) => x.isActive) ??
+          list[0];
+        const text = a
+          ? [
+              a.addressLine1,
+              a.addressLine2,
+              a.addressLine3,
+              a.townVillage,
+              a.city,
+              a.countyDistrict,
+              a.postalCode
+            ]
+              .filter(Boolean)
+              .join(', ')
+          : '';
+        return { ...row, address: text || '—' };
+      });
+    });
+  }
+}

src/app/loans/loans-account-stepper/loans-account-los-limit-step/loans-account-los-limit-step.component.html

@@ -0,0 +1,171 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="form">
+  <div class="lls-grid">
+    <div>
+      <span class="lls-label">Nature of limit</span><span>{{ natureOfLimit }}</span>
+    </div>
+    <div>
+      <span class="lls-label">Security type</span><span>{{ securityType }}</span>
+    </div>
+    <div>
+      <span class="lls-label">Secured / Unsecured</span><span>{{ secured ? 'Secured' : 'Unsecured' }}</span>
+    </div>
+    <div>
+      <span class="lls-label">Priority sector</span><span>{{ prioritySector ? 'Yes' : 'No' }}</span>
+    </div>
+    <div>
+      <span class="lls-label">Sanction date</span><span>{{ sanctionDate }}</span>
+    </div>
+    <div>
+      <span class="lls-label">Sanction no.</span><span>{{ sanctionNo }}</span>
+    </div>
+    @if (!manual) {
+      <div>
+        <span class="lls-label">Sanction limit</span
+        ><span>₹{{ losApplication?.requestedAmount | number: '1.0-0' }}</span>
+      </div>
+      <div>
+        <span class="lls-label">Period</span><span>{{ losApplication?.tenureMonths }} months</span>
+      </div>
+    }
+    <div>
+      <span class="lls-label">Margin %</span><span>{{ productExt['margin'] ?? '—' }}</span>
+    </div>
+  </div>
+
+  @if (manual) {
+    <p class="lls-note">
+      This account is being opened without a Loan Origination application, so the sanction is entered here. To take it,
+      and the security, from an application, pick one on the Details step.
+    </p>
+    <div class="layout-row-wrap layout-lt-md-column gap-2percent lls-inputs">
+      <mat-form-field class="flex-48">
+        <mat-label>Sanction no.</mat-label>
+        <input matInput formControlName="sanctionNoInput" maxlength="40" required />
+        <mat-error>Sanction no. is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field class="flex-48">
+        <mat-label>Sanction date</mat-label>
+        <input matInput type="date" formControlName="sanctionDateInput" required />
+        <mat-error>Sanction date is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+  }
+
+  <div class="layout-row-wrap layout-lt-md-column gap-2percent lls-inputs">
+    <mat-form-field class="flex-48">
+      <mat-label>Purpose of the loan</mat-label>
+      <input matInput formControlName="purpose" maxlength="200" required />
+      <mat-error>Purpose is <strong>required</strong></mat-error>
+    </mat-form-field>
+    @if (prioritySector) {
+      <mat-form-field class="flex-48">
+        <mat-label>Priority sector category</mat-label>
+        <mat-select formControlName="prioritySectorCategory" required>
+          @for (category of prioritySectorCategories; track category) {
+            <mat-option [value]="category">{{ category }}</mat-option>
+          }
+        </mat-select>
+        <mat-error>Priority sector category is <strong>required</strong></mat-error>
+      </mat-form-field>
+    }
+    @if (showRenewal) {
+      <mat-form-field class="flex-48">
+        <mat-label>Document renewal date</mat-label>
+        <input matInput type="date" formControlName="documentRenewalDate" />
+      </mat-form-field>
+    }
+  </div>
+
+  <h4 class="mat-h4">Product terms</h4>
+  <div class="lls-grid lls-grid--plain">
+    @for (row of productRows; track row.label) {
+      <div>
+        <span class="lls-label">{{ row.label }}</span
+        ><span>{{ row.value }}</span>
+      </div>
+    }
+  </div>
+
+  <h4 class="mat-h4">SMA</h4>
+  <div class="lls-grid lls-grid--plain">
+    @for (row of smaRows; track row.label) {
+      <div>
+        <span class="lls-label">{{ row.label }}</span
+        ><span>{{ row.value }}</span>
+      </div>
+    }
+  </div>
+
+  <h4 class="mat-h4">NPA</h4>
+  <div class="lls-grid lls-grid--plain">
+    @for (row of npaRows; track row.label) {
+      <div>
+        <span class="lls-label">{{ row.label }}</span
+        ><span>{{ row.value }}</span>
+      </div>
+    }
+  </div>
+
+  @if (!manual) {
+    <h4 class="mat-h4">As sanctioned</h4>
+    <div class="lls-grid lls-grid--plain">
+      @for (row of sanctionRows; track row.label) {
+        <div>
+          <span class="lls-label">{{ row.label }}</span
+          ><span>{{ row.value }}</span>
+        </div>
+      }
+    </div>
+
+    <h4 class="mat-h4">Security details</h4>
+    <table class="lls-table">
+      <thead>
+        <tr>
+          <th>Reference</th>
+          <th>Type</th>
+          <th>Owner</th>
+          <th>Value</th>
+          <th>Rate</th>
+          <th>Maturity</th>
+          <th>Lien for this loan</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (row of security; track row.reference) {
+          <tr>
+            <td>{{ row.reference }}</td>
+            <td>{{ row.kind }}</td>
+            <td>{{ row.owner }}</td>
+            <td>₹{{ row.value | number: '1.2-2' }}</td>
+            <td>{{ row.rate }}</td>
+            <td>{{ row.maturity }}</td>
+            <td>₹{{ row.lien | number: '1.2-2' }}</td>
+          </tr>
+        } @empty {
+          <tr>
+            <td colspan="7">No security is recorded for this application.</td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  }
+
+  <div class="layout-row align-center gap-2percent margin-t responsive-column stepper-buttons">
+    <button mat-raised-button matStepperPrevious>
+      <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+      Previous
+    </button>
+    <button mat-raised-button matStepperNext [disabled]="form.invalid">
+      Next
+      <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+    </button>
+  </div>
+</form>

src/app/loans/loans-account-stepper/loans-account-los-limit-step/loans-account-los-limit-step.component.scss

@@ -0,0 +1,64 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+.lls-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
+  gap: 12px 16px;
+  border: 1px solid #c9d7f2;
+  border-radius: 8px;
+  background: #f3f7ff;
+  padding: 14px 16px;
+  margin-bottom: 20px;
+}
+
+.lls-grid--plain {
+  background: #fff;
+  border-color: #e2e8f0;
+}
+
+.lls-label {
+  display: block;
+  font-size: 11px;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  color: #5b6b8c;
+}
+
+.lls-inputs {
+  margin-bottom: 8px;
+}
+
+.lls-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th,
+  td {
+    text-align: left;
+    padding: 8px 10px;
+    border-bottom: 1px solid #e2e8f0;
+  }
+
+  th {
+    background: #f8fafc;
+    color: #475569;
+    font-weight: 600;
+  }
+}
+
+.lls-note {
+  margin: 0 0 12px;
+  padding: 10px 14px;
+  border: 1px solid #fcd34d;
+  border-radius: 10px;
+  background: #fffbeb;
+  color: #92400e;
+  font-size: 13px;
+}

src/app/loans/loans-account-stepper/loans-account-los-limit-step/loans-account-los-limit-step.component.ts

@@ -0,0 +1,493 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, Input, OnChanges, inject } from '@angular/core';
+import { HttpClient } from '@angular/common/http';
+import { UntypedFormBuilder, UntypedFormGroup, Validators } from '@angular/forms';
+import { MatStepperNext, MatStepperPrevious } from '@angular/material/stepper';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { forkJoin, of } from 'rxjs';
+import { catchError } from 'rxjs/operators';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import {
+  LoanApplication,
+  PRIORITY_SECTOR_CATEGORIES,
+  depositKindCode,
+  sanctioningAuthority
+} from 'app/loan-origination/loan-origination-data';
+import { LoanOriginationService } from 'app/loan-origination/loan-origination.service';
+import { LosPreviewSection } from '../los-preview-section';
+
+/** One pledged deposit or policy, as listed under the limit. */
+interface SecurityRow {
+  reference: string;
+  kind: string;
+  owner: string;
+  value: number;
+  rate: string;
+  maturity: string;
+  lien: number;
+}
+
+interface InfoRow {
+  label: string;
+  value: string;
+}
+
+/**
+ * Limit & Security: what an Advances account is for, taken from the Loan Origination application and the product, with the
+ * security (the pledged FD / RD / DDS or LIC policy) listed below. The officer only gives the purpose and the date the
+ * documents are due for renewal.
+ */
+@Component({
+  selector: 'mifosx-loans-account-los-limit-step',
+  templateUrl: './loans-account-los-limit-step.component.html',
+  styleUrls: ['./loans-account-los-limit-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatStepperPrevious,
+    MatStepperNext,
+    FaIconComponent
+  ]
+})
+export class LoansAccountLosLimitStepComponent implements OnChanges {
+  private formBuilder = inject(UntypedFormBuilder);
+  private http = inject(HttpClient);
+  private originationService = inject(LoanOriginationService);
+
+  @Input() losApplication: LoanApplication | null = null;
+  @Input() productId: any = null;
+
+  readonly form: UntypedFormGroup = this.formBuilder.group({
+    purpose: [
+      '',
+      Validators.required
+    ],
+    documentRenewalDate: [''],
+    prioritySectorCategory: [''],
+    // Asked only when the account is opened without a Loan Origination application (nothing to take them from).
+    sanctionNoInput: [''],
+    sanctionDateInput: ['']
+  });
+
+  /** RBI's priority sector lending categories. */
+  /** From the system Code "PrioritySectorCategory"; the built-in list shows until it is read. */
+  prioritySectorCategories: string[] = PRIORITY_SECTOR_CATEGORIES;
+
+  productExt: Record<string, any> = {};
+  productName = '';
+  security: SecurityRow[] = [];
+  private loadedFor: string | null = null;
+
+  /** True when the account is opened without a Loan Origination application: the sanction is typed in, there is no security list. */
+  get manual(): boolean {
+    return !this.losApplication;
+  }
+
+  ngOnChanges(): void {
+    const app = this.losApplication;
+    if (!this.productId) {
+      return;
+    }
+    // the sanction number and date are needed only when there is no application to take them from
+    for (const name of [
+      'sanctionNoInput',
+      'sanctionDateInput'
+    ]) {
+      const control = this.form.get(name)!;
+      control.setValidators(app ? null : Validators.required);
+      control.updateValueAndValidity({ emitEvent: false });
+    }
+    const key = (app?.applicationNo ?? 'manual') + '|' + this.productId;
+    if (this.loadedFor === key) {
+      return;
+    }
+    this.loadedFor = key;
+    this.originationService.prioritySectorCategories().subscribe((names) => (this.prioritySectorCategories = names));
+    this.http.get<any>('/loanproducts/' + this.productId).subscribe((product) => {
+      this.productName = product?.name ?? '';
+      this.productExt = product?.advanceExtensions ?? {};
+      const category = this.form.get('prioritySectorCategory')!;
+      category.setValidators(this.prioritySector ? Validators.required : null);
+      // the category was set at Sanction in Loan Origination: it is shown here, not chosen again
+      if (this.prioritySector && app?.prioritySectorCategory) {
+        category.setValue(app.prioritySectorCategory);
+        category.disable();
+      } else {
+        category.enable();
+      }
+      category.updateValueAndValidity();
+      // the purpose was given in Loan Origination after KYC: shown here, not asked again
+      const purpose = this.form.get('purpose')!;
+      if (app?.loanPurpose?.trim()) {
+        purpose.setValue(app.loanPurpose.trim());
+        purpose.disable();
+      } else {
+        purpose.enable();
+      }
+      this.setRenewalDefault();
+    });
+    if (app) {
+      this.loadSecurity(app);
+    } else {
+      this.security = [];
+    }
+  }
+
+  /** Priority sector: the officer's decision at Sanction in Loan Origination, else what the product says. */
+  get prioritySector(): boolean {
+    const decided = this.losApplication?.pslClassified;
+    if (decided) {
+      return decided === 'yes';
+    }
+    return String(this.productExt['prioritySector'] ?? '').toLowerCase() === 'yes';
+  }
+
+  /** Weaker section, as decided in Loan Origination. */
+  get weakerSection(): boolean {
+    return this.losApplication?.weakerSection === 'yes';
+  }
+
+  /** The purpose the officer typed. */
+  get purposeText(): string {
+    return String(this.form.get('purpose')!.value ?? '').trim();
+  }
+
+  /** A loan on a deposit (FD / RD / DDS / LIC) runs for a fixed tenure; its documents are not renewed. */
+  get showRenewal(): boolean {
+    return this.losApplication ? !this.losApplication.depositSelection : !!this.productExt['renewalAllowed'];
+  }
+
+  /** The nature of the limit: the loan product (Loan against FD, LIC Policy, Cash Credit ...). */
+  get natureOfLimit(): string {
+    return this.losApplication?.productName ?? (this.productName || '—');
+  }
+
+  get securityType(): string {
+    return this.productExt['securityType'] ?? '—';
+  }
+
+  /** Secured when the product is backed by a security; a product whose security type is none is unsecured. */
+  get secured(): boolean {
+    const type = String(this.productExt['securityType'] ?? '').trim();
+    return !!type && !/^none/i.test(type);
+  }
+
+  /** The date the limit was sanctioned: the day the sanctioning authority approved it. */
+  get sanctionDate(): string {
+    const app = this.losApplication;
+    if (!app) {
+      // typed in as yyyy-MM-dd, shown as dd-MM-yyyy
+      const typed = String(this.form.get('sanctionDateInput')!.value ?? '');
+      const m = /^(\d{4})-(\d{2})-(\d{2})$/.exec(typed);
+      return m ? m[3] + '-' + m[2] + '-' + m[1] : '—';
+    }
+    return app?.creditCommitteeApproval?.date && app.creditCommitteeApproval.date !== '—'
+      ? app.creditCommitteeApproval.date
+      : '—';
+  }
+
+  /** The sanction number: the committee's resolution number, else the application number. */
+  get sanctionNo(): string {
+    const app = this.losApplication;
+    if (!app) {
+      return String(this.form.get('sanctionNoInput')!.value ?? '').trim() || '—';
+    }
+    return app?.committeeResolutionNo || app?.applicationNo || '—';
+  }
+
+  /** What the product was created with (Product Creation) that bears on this limit. */
+  get productRows(): InfoRow[] {
+    const e = this.productExt;
+    const yesNo = (v: any) => (v === true || v === 'true' ? 'Yes' : 'No');
+    const basis: Record<string, string> = {
+      balance_accrued: 'Deposit balance + accrued interest',
+      balance: 'Deposit balance only',
+      surrender: 'Surrender value',
+      gold_value: 'Gold value',
+      commodity_value: 'Commodity value'
+    };
+    const rows: InfoRow[] = [
+      { label: 'Facility', value: e['facilityType'] ?? '—' },
+      { label: 'Maximum LTV', value: e['ltv'] !== undefined ? e['ltv'] + '%' : '—' },
+      { label: 'Eligible amount basis', value: basis[e['eligibleAmountBasis']] ?? e['eligibleAmountBasis'] ?? '—' },
+      {
+        label: 'Lien marked',
+        value: (e['lienMarkingStage'] ?? '—') === 'sanction' ? 'At sanction' : 'At disbursement'
+      },
+      {
+        label: 'Renewal',
+        value: e['renewalAllowed']
+          ? 'Allowed, every ' +
+            (e['renewalPeriodMonths'] ?? '—') +
+            ' months (grace ' +
+            (e['renewalGraceDays'] ?? 0) +
+            ' days)'
+          : 'Not allowed'
+      },
+      { label: 'Pre-closure', value: e['preclosureAllowed'] ?? '—' },
+      { label: 'Lock-in', value: (e['lockInMonths'] ?? 0) + ' months' },
+      { label: 'Tenure within security maturity', value: yesNo(e['lienTenureNotExceedMaturity']) }
+    ];
+    return rows;
+  }
+
+  /** When the account is watched as SMA (special mention), from the product. */
+  get smaRows(): InfoRow[] {
+    const sma = Number(this.productExt['smaStartAfterMonths'] ?? 0);
+    return [
+      {
+        label: 'SMA counting starts',
+        value: sma > 0 ? sma + ' month' + (sma > 1 ? 's' : '') + ' after disbursement' : 'From disbursement'
+      },
+      { label: 'SMA-0', value: 'Overdue 1 to 30 days' },
+      { label: 'SMA-1', value: 'Overdue 31 to 60 days' },
+      { label: 'SMA-2', value: 'Overdue 61 to 90 days' }
+    ];
+  }
+
+  /** When the account turns NPA, in words, from the product's NPA settings. */
+  get npaRows(): InfoRow[] {
+    const e = this.productExt;
+    const outOfOrder: Record<string, string> = {
+      LIMIT_EXCEEDED: 'the outstanding stays above the limit / drawing power continuously',
+      NO_CREDITS_90_DAYS: 'there are no credits for 90 days, or credits are less than the interest debited',
+      DP_NOT_RENEWED: 'the drawing power is not reassessed or renewed within 180 days'
+    };
+    const trigger: Record<string, string> = {
+      maturity: 'Dues stay overdue for 90 days (after maturity, or after an instalment falls due)',
+      out_of_order: 'The account is "out of order": ' + (outOfOrder[e['npaOutOfOrderBasis']] ?? '—'),
+      crop_season: 'Dues stay overdue for the crop season(s) (KCC)'
+    };
+    const interest: Record<string, string> = {
+      undebited: 'Moved to the Undebited Interest GL',
+      suspense: 'Moved to the Interest Suspense GL'
+    };
+    const rows: InfoRow[] = [
+      { label: 'NPA when', value: trigger[e['npaTrigger']] ?? e['npaTrigger'] ?? '—' },
+      { label: 'Interest after NPA', value: interest[e['interestAfterNpa']] ?? e['interestAfterNpa'] ?? '—' }
+    ];
+    // A stock statement gives the drawing power on stock or receivables; a deposit loan has none.
+    if (e['stockStatementValidityDays'] && !this.losApplication?.depositSelection) {
+      rows.push({ label: 'Stock statement valid for', value: e['stockStatementValidityDays'] + ' days' });
+    }
+    rows.push({
+      label: 'Upgrade from NPA',
+      value: e['npaUpgradeOnlyAllArrears'] ? 'Only when all arrears are cleared' : 'As per bank policy'
+    });
+    if (e['npaKeepStandardIfDepositCovers']) {
+      rows.push({ label: 'Deposit-covered loan', value: 'Stays Standard while the deposit covers the dues' });
+    }
+    return rows;
+  }
+
+  /** What was decided on the application at Loan Origination. */
+  get sanctionRows(): InfoRow[] {
+    const app = this.losApplication;
+    if (!app) {
+      return [];
+    }
+    const approver = (field: string, label: string): InfoRow => {
+      const ap = (app as any)[field];
+      return {
+        label,
+        value: ap?.approverName && ap.approverName !== '—' ? ap.approverName + (ap.date ? ' · ' + ap.date : '') : '—'
+      };
+    };
+    const sel = app.depositSelection;
+    const share = sel?.securityValue
+      ? ((app.requestedAmount / sel.securityValue) * 100).toFixed(1) + '% of the security'
+      : '—';
+    // A loan against a deposit has the one Sanction step, no committee, risk or legal approval.
+    const deposit = !!sel;
+    return [
+      { label: 'Application no.', value: app.applicationNo },
+      { label: 'Sanctioning authority', value: sanctioningAuthority(app.requestedAmount) },
+      {
+        label: deposit ? 'Sanction no.' : 'Resolution',
+        value: app.committeeResolutionNo ? app.committeeResolutionNo + ' dated ' + app.committeeResolutionDate : '—'
+      },
+      ...(deposit ? [approver('creditCommitteeApproval', 'Sanctioned by')] : [
+            approver('creditCommitteeApproval', 'Loan Committee'),
+            approver('riskApproval', 'Risk approval'),
+            approver('legalApproval', 'Legal approval')
+          ]),
+      approver('postCheckApproval', 'Post-disbursement check'),
+      { label: 'Loan against the security', value: share },
+      { label: 'Eligible amount', value: sel ? '₹' + Number(sel.eligibleAmount).toLocaleString('en-IN') : '—' },
+      {
+        label: 'Lien certificate',
+        value: app.lien?.certificateNo
+          ? app.lien.certificateNo + (app.lien.markedOn ? ' · ' + app.lien.markedOn : '')
+          : 'Issued at disbursement'
+      }
+    ];
+  }
+
+  /** A date written dd-MM-yyyy, as a Date (null when it is not a date). */
+  private parse(text: string | undefined): Date | null {
+    const m = /^(\d{1,2})-(\d{1,2})-(\d{4})$/.exec((text ?? '').trim());
+    return m ? new Date(Number(m[3]), Number(m[2]) - 1, Number(m[1])) : null;
+  }
+
+  private iso(d: Date): string {
+    const pad = (n: number) => String(n).padStart(2, '0');
+    return d.getFullYear() + '-' + pad(d.getMonth() + 1) + '-' + pad(d.getDate());
+  }
+
+  /** The documents come up for renewal a renewal period (the product's, usually a year) after the sanction. */
+  private setRenewalDefault(): void {
+    if (!this.showRenewal || this.form.get('documentRenewalDate')!.value) {
+      return;
+    }
+    const sanctioned = this.parse(this.sanctionDate);
+    const months = Number(this.productExt['renewalPeriodMonths'] ?? 12) || 12;
+    if (sanctioned) {
+      sanctioned.setMonth(sanctioned.getMonth() + months);
+      this.form.patchValue({ documentRenewalDate: this.iso(sanctioned) });
+    }
+  }
+
+  /** The deposits or the policy this limit is secured on, with what each is worth now. */
+  private loadSecurity(app: LoanApplication): void {
+    const sel = app.depositSelection;
+    if (!sel) {
+      return;
+    }
+    const lienShare = (value: number, total: number) =>
+      total > 0 ? Math.round((value / total) * app.requestedAmount * 100) / 100 : app.requestedAmount;
+    if (sel.policy) {
+      this.security = [
+        {
+          reference: sel.policy.policyNo,
+          kind: 'LIC policy (' + (sel.policy.insurer || 'LIC') + ')',
+          owner: sel.policy.policyHolder,
+          value: sel.policy.surrenderValue,
+          rate: '—',
+          maturity: sel.policy.maturityDate,
+          lien: app.requestedAmount
+        }
+      ];
+      return;
+    }
+    const ids = sel.accountIds ?? [];
+    if (depositKindCode(app.productCode) === 'DS') {
+      this.originationService.listDdsAccounts(app.clientId as number).subscribe((parties) => {
+        const picked = parties.filter((p: any) => ids.includes(p.id));
+        const total = picked.reduce((s: number, p: any) => s + Number(p.currentBalance ?? 0), 0);
+        this.security = picked.map((p: any) => ({
+          reference: p.accountNo,
+          kind: 'DDS',
+          owner: app.applicantName,
+          value: Number(p.currentBalance ?? 0),
+          rate: p.interestRate + '%',
+          maturity: String(p.maturityDate ?? '—'),
+          lien: lienShare(Number(p.currentBalance ?? 0), total)
+        }));
+      });
+      return;
+    }
+    const kind = depositKindCode(app.productCode) === 'RD' ? 'RD' : 'FD';
+    forkJoin(
+      ids.map((id: number) => this.originationService.getDepositAccount(kind, id).pipe(catchError(() => of(null))))
+    ).subscribe((accounts: any[]) => {
+      const list = accounts.filter((a) => !!a);
+      const total = list.reduce((s, a) => s + Number(a.summary?.accountBalance ?? 0), 0);
+      this.security = list.map((a) => ({
+        reference: a.accountNo,
+        kind: kind === 'RD' ? 'Recurring deposit' : 'Fixed deposit',
+        owner: app.applicantName,
+        value: Number(a.summary?.accountBalance ?? 0),
+        rate: (a.nominalAnnualInterestRate ?? '—') + '%',
+        maturity: Array.isArray(a.maturityDate)
+          ? a.maturityDate.slice(0, 3).reverse().join('-')
+          : String(a.maturityDate ?? '—'),
+        lien: lienShare(Number(a.summary?.accountBalance ?? 0), total)
+      }));
+    });
+  }
+
+  /** Everything on this step, for the Preview. */
+  previewSections(): LosPreviewSection[] {
+    const f = this.form.getRawValue();
+    const limit: InfoRow[] = [
+      { label: 'Nature of limit', value: this.natureOfLimit },
+      { label: 'Security type', value: this.securityType },
+      { label: 'Secured / Unsecured', value: this.secured ? 'Secured' : 'Unsecured' },
+      { label: 'Priority sector', value: this.prioritySector ? 'Yes' : 'No' },
+      { label: 'Sanction date', value: this.sanctionDate },
+      { label: 'Sanction no.', value: this.sanctionNo },
+      { label: 'Purpose of the loan', value: f.purpose || '—' }
+    ];
+    if (this.prioritySector) {
+      limit.push({ label: 'Priority sector category', value: f.prioritySectorCategory || '—' });
+    }
+    if (this.losApplication?.pslOverrideReason) {
+      limit.push({ label: 'Priority sector — differs from product', value: this.losApplication.pslOverrideReason });
+    }
+    if (this.losApplication?.weakerSection) {
+      limit.push({
+        label: 'Weaker section',
+        value: this.weakerSection ? 'Yes — ' + (this.losApplication.weakerSectionType || '—') : 'No'
+      });
+    }
+    if (this.showRenewal) {
+      limit.push({ label: 'Document renewal date', value: f.documentRenewalDate || '—' });
+    }
+    const security = this.security.map((s) => ({
+      label: s.reference + ' (' + s.kind + ')',
+      value:
+        'Owner ' +
+        s.owner +
+        ' · value ₹' +
+        s.value.toLocaleString('en-IN') +
+        ' · maturity ' +
+        s.maturity +
+        ' · lien ₹' +
+        s.lien.toLocaleString('en-IN')
+    }));
+    return [
+      { title: 'Limit', rows: limit },
+      ...(this.manual
+        ? []
+        : [{ title: 'Security', rows: security.length ? security : [{ label: 'Security', value: '—' }] }]),
+      { title: 'Product terms', rows: this.productRows },
+      { title: 'SMA', rows: this.smaRows },
+      { title: 'NPA', rows: this.npaRows },
+      ...(this.manual ? [] : [{ title: 'As sanctioned', rows: this.sanctionRows }])
+    ];
+  }
+
+  /** What is saved with the loan account (the loan_account_services datatable); dates as the server's date format. */
+  datatableValues(format: (isoDate: string) => string): Record<string, any> {
+    const sanctioned = this.parse(this.sanctionDate);
+    const data: Record<string, any> = {
+      sanction_no: this.sanctionNo === '—' ? undefined : this.sanctionNo,
+      secured: this.secured,
+      security_type: this.productExt['securityType'] || undefined,
+      loan_purpose_text: this.form.get('purpose')!.value?.trim() || undefined,
+      priority_sector: this.prioritySector,
+      priority_sector_category: (this.prioritySector && this.form.get('prioritySectorCategory')!.value) || undefined
+    };
+    if (this.losApplication?.weakerSection) {
+      data['weaker_section'] = this.weakerSection;
+      data['weaker_section_type'] = (this.weakerSection && this.losApplication.weakerSectionType) || undefined;
+    }
+    if (this.losApplication?.pslOverrideReason) {
+      data['psl_override_reason'] = this.losApplication.pslOverrideReason;
+    }
+    if (sanctioned) {
+      data['sanction_date'] = format(this.iso(sanctioned));
+    }
+    const renewal = this.showRenewal ? this.form.get('documentRenewalDate')!.value : '';
+    if (renewal) {
+      data['document_renewal_date'] = format(renewal);
+    }
+    return data;
+  }
+}

src/app/loans/loans-account-stepper/loans-account-los-sms-step/loans-account-los-sms-step.component.html

@@ -0,0 +1,80 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="form">
+  <div class="layout-row-wrap layout-lt-md-column gap-2percent">
+    <mat-form-field class="flex-48">
+      <mat-label>SMS active</mat-label>
+      <mat-select formControlName="smsActive">
+        <mat-option value="yes">Yes</mat-option>
+        <mat-option value="no">No</mat-option>
+      </mat-select>
+    </mat-form-field>
+    @if (active) {
+      <mat-form-field class="flex-48">
+        <mat-label>SMS charge</mat-label>
+        <mat-select formControlName="smsCharge">
+          <mat-option value="yes">Yes</mat-option>
+          <mat-option value="no">No</mat-option>
+        </mat-select>
+      </mat-form-field>
+    }
+  </div>
+
+  @if (active) {
+    <h4 class="mat-h4">Free alerts</h4>
+    <div class="sms-checks">
+      <mat-checkbox formControlName="disbursementAlert">Account opened / limit sanctioned</mat-checkbox>
+      <mat-checkbox formControlName="dueAlert">Interest due reminder</mat-checkbox>
+      <mat-checkbox formControlName="overdueAlert">Overdue / limit exceeded notice</mat-checkbox>
+      <mat-checkbox formControlName="renewAlert">Limit expiry / renewal reminder</mat-checkbox>
+      <mat-checkbox formControlName="closureAlert">Account closed</mat-checkbox>
+    </div>
+
+    <h4 class="mat-h4">Paid alerts</h4>
+    <div class="sms-checks">
+      <mat-checkbox formControlName="repaymentAlert">Amount credited (deposit into the account)</mat-checkbox>
+      <mat-checkbox formControlName="debitAlert">Amount debited (drawing / charge)</mat-checkbox>
+      <mat-checkbox formControlName="chargeInterest">Interest and charges applied</mat-checkbox>
+      @if (chequeBookOffered) {
+        <mat-checkbox formControlName="chequeBook">Cheque book issued</mat-checkbox>
+      }
+    </div>
+
+    <div class="layout-row-wrap layout-lt-md-column gap-2percent sms-amounts">
+      <mat-form-field class="flex-48">
+        <mat-label>Debit alert above (₹)</mat-label>
+        <input matInput type="number" min="0" formControlName="debitAbove" />
+        <mat-hint>Alert only for debits greater than this amount</mat-hint>
+      </mat-form-field>
+      <mat-form-field class="flex-48">
+        <mat-label>Credit alert above (₹)</mat-label>
+        <input matInput type="number" min="0" formControlName="creditAbove" />
+        <mat-hint>Alert only for credits greater than this amount</mat-hint>
+      </mat-form-field>
+    </div>
+
+    <p class="sms-note">
+      SMS activation date: <strong>{{ activationDate }}</strong>
+      @if (form.getRawValue().smsCharge === 'yes') {
+        &middot; SMS charge date: <strong>{{ activationDate }}</strong>
+      }
+    </p>
+  }
+
+  <div class="layout-row align-center gap-2percent margin-t responsive-column stepper-buttons">
+    <button mat-raised-button matStepperPrevious>
+      <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+      Previous
+    </button>
+    <button mat-raised-button matStepperNext>
+      Next
+      <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+    </button>
+  </div>
+</form>

src/app/loans/loans-account-stepper/loans-account-los-sms-step/loans-account-los-sms-step.component.scss

@@ -0,0 +1,24 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+.sms-checks {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 4px 28px;
+  margin-bottom: 12px;
+}
+
+.sms-amounts {
+  margin-top: 8px;
+}
+
+.sms-note {
+  margin: 8px 0 0;
+  font-size: 13px;
+  color: #475569;
+}

src/app/loans/loans-account-stepper/loans-account-los-sms-step/loans-account-los-sms-step.component.ts

@@ -0,0 +1,125 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, Input, inject } from '@angular/core';
+import { UntypedFormBuilder, UntypedFormGroup } from '@angular/forms';
+import { MatStepperNext, MatStepperPrevious } from '@angular/material/stepper';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { SettingsService } from 'app/settings/settings.service';
+import { LosPreviewSection } from '../los-preview-section';
+
+/**
+ * SMS Alerts: which messages the customer gets for this account. Free alerts (renewal and due reminders) and paid alerts
+ * (debits, credits, clearing ...). The activation date is the day the account is opened.
+ */
+@Component({
+  selector: 'mifosx-loans-account-los-sms-step',
+  templateUrl: './loans-account-los-sms-step.component.html',
+  styleUrls: ['./loans-account-los-sms-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatStepperPrevious,
+    MatStepperNext,
+    FaIconComponent
+  ]
+})
+export class LoansAccountLosSmsStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+  private settingsService = inject(SettingsService);
+
+  /** Only a product that has a cheque book offers the cheque book alert. */
+  @Input() chequeBookOffered = false;
+  readonly activationDate: string = this.iso(this.settingsService.businessDate);
+
+  readonly form: UntypedFormGroup = this.formBuilder.group({
+    smsActive: ['yes'],
+    smsCharge: ['yes'],
+    disbursementAlert: [true],
+    dueAlert: [true],
+    overdueAlert: [true],
+    renewAlert: [true],
+    closureAlert: [true],
+    repaymentAlert: [true],
+    debitAlert: [true],
+    chargeInterest: [true],
+    chequeBook: [true],
+    debitAbove: [0],
+    creditAbove: [0]
+  });
+
+  get active(): boolean {
+    return this.form.getRawValue().smsActive === 'yes';
+  }
+
+  private iso(d: Date): string {
+    const pad = (n: number) => String(n).padStart(2, '0');
+    return d.getFullYear() + '-' + pad(d.getMonth() + 1) + '-' + pad(d.getDate());
+  }
+
+  /** Everything on this step, for the Preview. */
+  previewSections(): LosPreviewSection[] {
+    const v = this.form.getRawValue();
+    const yn = (b: boolean) => (b ? 'Yes' : 'No');
+    if (!this.active) {
+      return [{ title: 'SMS Alerts', rows: [{ label: 'SMS active', value: 'No' }] }];
+    }
+    const rows = [
+      { label: 'SMS active', value: 'Yes' },
+      { label: 'SMS charge', value: v.smsCharge === 'yes' ? 'Yes' : 'No' },
+      { label: 'Account opened / limit sanctioned', value: yn(v.disbursementAlert) },
+      { label: 'Interest due reminder', value: yn(v.dueAlert) },
+      { label: 'Overdue / limit exceeded notice', value: yn(v.overdueAlert) },
+      { label: 'Limit expiry / renewal reminder', value: yn(v.renewAlert) },
+      { label: 'Account closed', value: yn(v.closureAlert) },
+      { label: 'Amount credited', value: yn(v.repaymentAlert) },
+      { label: 'Amount debited', value: yn(v.debitAlert) },
+      { label: 'Interest and charges applied', value: yn(v.chargeInterest) }
+    ];
+    if (this.chequeBookOffered) {
+      rows.push({ label: 'Cheque book issued', value: yn(v.chequeBook) });
+    }
+    rows.push(
+      { label: 'Debit alert above', value: '₹' + (Number(v.debitAbove) || 0) },
+      { label: 'Credit alert above', value: '₹' + (Number(v.creditAbove) || 0) },
+      { label: 'SMS activation date', value: this.activationDate }
+    );
+    return [{ title: 'SMS Alerts', rows }];
+  }
+
+  /** What is saved with the loan account (the loan_account_services datatable); dates as the server's date format. */
+  datatableValues(format: (isoDate: string) => string): Record<string, any> {
+    const v = this.form.getRawValue();
+    const on = this.active;
+    const data: Record<string, any> = {
+      sms_active: on,
+      sms_charge: on && v.smsCharge === 'yes'
+    };
+    if (on) {
+      Object.assign(data, {
+        sms_disbursement_alert: !!v.disbursementAlert,
+        sms_due_alert: !!v.dueAlert,
+        sms_overdue_alert: !!v.overdueAlert,
+        sms_renew_alert: !!v.renewAlert,
+        sms_closure_alert: !!v.closureAlert,
+        // an Advances account has no repayments: a credit is money paid into it, a debit is a drawing or a charge
+        sms_credit_clearing: !!v.repaymentAlert,
+        sms_debit_clearing: !!v.debitAlert,
+        sms_charge_interest: !!v.chargeInterest,
+        sms_cheque_book: this.chequeBookOffered && !!v.chequeBook,
+        sms_debit_above: Number(v.debitAbove) || 0,
+        sms_credit_above: Number(v.creditAbove) || 0,
+        sms_activation_date: format(this.activationDate)
+      });
+      if (v.smsCharge === 'yes') {
+        data['sms_charge_date'] = format(this.activationDate);
+      }
+    }
+    return data;
+  }
+}

src/app/loans/loans-account-stepper/loans-account-preview-step/loans-account-preview-step.component.html

@@ -6,6 +6,63 @@
   file, You can obtain one at http://mozilla.org/MPL/2.0/.
 -->
 
+@if (losSections?.length) {
+  <div class="lp">
+    @if (losMode) {
+      <div class="lp-hero">
+        <div class="lp-hero__who">
+          <span class="lp-hero__eyebrow">Review before you submit</span>
+          <h2 class="lp-hero__name">{{ losHighlight('Customer', 'Name') }}</h2>
+          <span class="lp-hero__sub">{{ losHighlight('Loan Origination application', 'Product') }}</span>
+        </div>
+        <div class="lp-kpis">
+          <div class="lp-kpi">
+            <span class="lp-kpi__label">Sanctioned amount</span>
+            <span class="lp-kpi__value">{{ losHighlight('Loan terms', 'Sanctioned amount') }}</span>
+          </div>
+          <div class="lp-kpi">
+            <span class="lp-kpi__label">Tenure</span>
+            <span class="lp-kpi__value">{{ losHighlight('Loan terms', 'Tenure') }}</span>
+          </div>
+          <div class="lp-kpi">
+            <span class="lp-kpi__label">Interest</span>
+            <span class="lp-kpi__value">{{ losHighlight('Loan terms', 'Debit interest rate') }}</span>
+          </div>
+          <div class="lp-kpi">
+            <span class="lp-kpi__label">Application</span>
+            <span class="lp-kpi__value">{{ losHighlight('Loan Origination application', 'Application no.') }}</span>
+          </div>
+        </div>
+      </div>
+    }
+
+    <div class="lp-grid">
+      @for (section of losSections; track section.title) {
+        <section class="lp-card" [class.lp-card--wide]="isWide(section.title)">
+          <header class="lp-card__head">
+            <fa-icon [icon]="sectionIcon(section.title)" class="lp-card__icon"></fa-icon>
+            <h3>{{ section.title }}</h3>
+          </header>
+          <dl class="lp-rows">
+            @for (row of section.rows; track $index) {
+              <div class="lp-row">
+                <dt>{{ row.label }}</dt>
+                <dd>
+                  @if (row.value === 'Yes' || row.value === 'No') {
+                    <span class="lp-pill" [class.lp-pill--yes]="row.value === 'Yes'">{{ row.value }}</span>
+                  } @else {
+                    {{ row.value }}
+                  }
+                </dd>
+              </div>
+            }
+          </dl>
+        </section>
+      }
+    </div>
+  </div>
+}
+
 <div class="content responsive-column">
   <h3 class="mat-h3 flex-fill">{{ 'labels.heading.Details' | translate }}</h3>
 
@@ -100,204 +157,210 @@
     </div>
   }
 
-  <h3 class="mat-h3 margin-t flex-fill">{{ 'labels.heading.Terms' | translate }}</h3>
+  <!-- An account opened from Loan Origination lists its terms above (sanctioned amount, tenure, interest); an Advances
+       account has no repayment schedule, so the instalment terms are not repeated here. -->
+  @if (!losMode) {
+    <h3 class="mat-h3 margin-t flex-fill">{{ 'labels.heading.Terms' | translate }}</h3>
 
-  <mat-divider class="flex-fill"></mat-divider>
+    <mat-divider class="flex-fill"></mat-divider>
-  <div class="flex-fill">
-    <span class="flex-40">{{ 'labels.inputs.Principal' | translate }}:</span>
-    <span class="flex-60">
-      {{
-        loansAccount.principalAmount | currency: loansAccountProductTemplate.currency.code : 'symbol-narrow' : '1.2-2'
-      }}
-      <span class="m-l-5">{{ loansAccountProductTemplate.currency.code }}</span>
-    </span>
-  </div>
-
-  <div class="flex-fill">
-    <span class="flex-40">{{ 'labels.inputs.Loan Term' | translate }}:</span>
-    <span class="flex-60"
-      >{{ loansAccount.loanTermFrequency }}
-      {{
-        loansAccount.loanTermFrequencyType | find: loansAccountProductTemplate.termFrequencyTypeOptions : 'id' : 'name'
-      }}</span
-    >
-  </div>
-
-  <div class="flex-fill">
-    <span class="flex-40">{{ 'labels.inputs.Number of repayments' | translate }}:</span>
-    <span class="flex-60">{{ loansAccount.numberOfRepayments }}</span>
-  </div>
-
-  <div class="flex-fill">
-    <span class="flex-40">{{ 'labels.inputs.Repaid every' | translate }}:</span>
-    <span class="flex-60"
-      >{{ loansAccount.repaymentEvery }}
-      {{
-        loansAccount.repaymentFrequencyType | find: loansAccountProductTemplate.termFrequencyTypeOptions : 'id' : 'name'
-      }}
-      {{
-        loansAccount.repaymentFrequencyNthDayType
-          | find: loansAccountProductTemplate.repaymentFrequencyNthDayTypeOptions : 'id' : 'name'
-      }}
-      {{
-        loansAccount.repaymentFrequencyDayOfWeekType
-          | find: loansAccountProductTemplate.repaymentFrequencyDaysOfWeekTypeOptions : 'id' : 'name'
-      }}</span
-    >
-  </div>
-
-  @if (productEnableDownPayment) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Enable Down Payments' | translate }}:</span>
+      <span class="flex-40">{{ 'labels.inputs.Principal' | translate }}:</span>
-      <span class="flex-60">{{ loansAccount.enableDownPayment | yesNo }}</span>
+      <span class="flex-60">
+        {{
+          loansAccount.principalAmount | currency: loansAccountProductTemplate.currency.code : 'symbol-narrow' : '1.2-2'
+        }}
+        <span class="m-l-5">{{ loansAccountProductTemplate.currency.code }}</span>
+      </span>
     </div>
-  }
 
-  @if (loansAccount.repaymentsStartingFromDate) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.First repayment on' | translate }}:</span>
+      <span class="flex-40">{{ 'labels.inputs.Loan Term' | translate }}:</span>
-      <span class="flex-60">{{ loansAccount.repaymentsStartingFromDate | dateFormat }}</span>
-    </div>
-  }
-
-  @if (loansAccount.interestChargedFromDate) {
-    <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Interest charged from' | translate }}:</span>
-      <span class="flex-60">{{ loansAccount.interestChargedFromDate | dateFormat }}</span>
-    </div>
-  }
-
-  @if (loansAccount.interestRatePerPeriod) {
-    <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Nominal interest rate' | translate }}:</span>
       <span class="flex-60"
-        >{{ loansAccount.interestRatePerPeriod }}&nbsp;&nbsp;{{
+        >{{ loansAccount.loanTermFrequency }}
-          loansAccountProductTemplate.interestRateFrequencyType.value
+        {{
+          loansAccount.loanTermFrequencyType
+            | find: loansAccountProductTemplate.termFrequencyTypeOptions : 'id' : 'name'
         }}</span
       >
     </div>
-  }
 
-  @if (loansAccount.interestType) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Interest method' | translate }}: </span>
+      <span class="flex-40">{{ 'labels.inputs.Number of repayments' | translate }}:</span>
-      <span class="flex-60">{{ loansAccount.interestType }}</span>
+      <span class="flex-60">{{ loansAccount.numberOfRepayments }}</span>
     </div>
-  }
 
-  @if (loansAccount.isEqualAmortization) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Is Equal Amortization' | translate }}:</span>
+      <span class="flex-40">{{ 'labels.inputs.Repaid every' | translate }}:</span>
-      <span class="flex-60">{{ loansAccount.isEqualAmortization }}</span>
+      <span class="flex-60"
-    </div>
+        >{{ loansAccount.repaymentEvery }}
-  }
+        {{
-
+          loansAccount.repaymentFrequencyType
-  <div class="flex-fill">
+            | find: loansAccountProductTemplate.termFrequencyTypeOptions : 'id' : 'name'
-    <span class="flex-40">{{ 'labels.inputs.Amortization' | translate }}</span>
+        }}
-    <span class="flex-60">{{
+        {{
-      loansAccount.amortizationType
+          loansAccount.repaymentFrequencyNthDayType
-        | find: loansAccountProductTemplate.amortizationTypeOptions : 'id' : 'value'
+            | find: loansAccountProductTemplate.repaymentFrequencyNthDayTypeOptions : 'id' : 'name'
-        | translateKey: 'catalogs'
+        }}
-    }}</span>
+        {{
-  </div>
+          loansAccount.repaymentFrequencyDayOfWeekType
-
+            | find: loansAccountProductTemplate.repaymentFrequencyDaysOfWeekTypeOptions : 'id' : 'name'
-  <div class="flex-fill">
+        }}</span
-    <span class="flex-40">{{ 'labels.inputs.Interest calculation period' | translate }}: </span>
-    <span class="flex-60">{{
-      loansAccount.interestCalculationPeriodType
-        | find: loansAccountProductTemplate.interestCalculationPeriodTypeOptions : 'id' : 'value'
-        | translateKey: 'catalogs'
-    }}</span>
-  </div>
-
-  @if (loansAccount.allowPartialPeriodInterestCalculation) {
-    <div class="flex-fill">
-      <span class="flex-40"
-        >{{ 'labels.inputs.Calculate interest for exact days in partial period' | translate }}:</span
       >
-      <span class="flex-60">{{ loansAccount.allowPartialPeriodInterestCalculation }}</span>
     </div>
-  }
 
-  @if (loansAccount.inArrearsTolerance) {
+    @if (productEnableDownPayment) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.Enable Down Payments' | translate }}:</span>
+        <span class="flex-60">{{ loansAccount.enableDownPayment | yesNo }}</span>
+      </div>
+    }
+
+    @if (loansAccount.repaymentsStartingFromDate) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.First repayment on' | translate }}:</span>
+        <span class="flex-60">{{ loansAccount.repaymentsStartingFromDate | dateFormat }}</span>
+      </div>
+    }
+
+    @if (loansAccount.interestChargedFromDate) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.Interest charged from' | translate }}:</span>
+        <span class="flex-60">{{ loansAccount.interestChargedFromDate | dateFormat }}</span>
+      </div>
+    }
+
+    @if (loansAccount.interestRatePerPeriod) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.Nominal interest rate' | translate }}:</span>
+        <span class="flex-60"
+          >{{ loansAccount.interestRatePerPeriod }}&nbsp;&nbsp;{{
+            loansAccountProductTemplate.interestRateFrequencyType.value
+          }}</span
+        >
+      </div>
+    }
+
+    @if (loansAccount.interestType) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.Interest method' | translate }}: </span>
+        <span class="flex-60">{{ loansAccount.interestType }}</span>
+      </div>
+    }
+
+    @if (loansAccount.isEqualAmortization) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.Is Equal Amortization' | translate }}:</span>
+        <span class="flex-60">{{ loansAccount.isEqualAmortization }}</span>
+      </div>
+    }
+
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Arrears tolerance' | translate }}: </span>
+      <span class="flex-40">{{ 'labels.inputs.Amortization' | translate }}</span>
-      <span class="flex-60">{{ loansAccount.inArrearsTolerance }}</span>
+      <span class="flex-60">{{
+        loansAccount.amortizationType
+          | find: loansAccountProductTemplate.amortizationTypeOptions : 'id' : 'value'
+          | translateKey: 'catalogs'
+      }}</span>
     </div>
-  }
 
-  @if (loansAccount.graceOnInterestCharged) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Interest free period' | translate }}: </span>
+      <span class="flex-40">{{ 'labels.inputs.Interest calculation period' | translate }}: </span>
-      <span class="flex-60">{{ loansAccount.graceOnInterestCharged }}</span>
+      <span class="flex-60">{{
+        loansAccount.interestCalculationPeriodType
+          | find: loansAccountProductTemplate.interestCalculationPeriodTypeOptions : 'id' : 'value'
+          | translateKey: 'catalogs'
+      }}</span>
     </div>
-  }
 
-  <div class="flex-fill">
+    @if (loansAccount.allowPartialPeriodInterestCalculation) {
-    <span class="flex-40">{{ 'labels.inputs.Repayment strategy' | translate }}: </span>
+      <div class="flex-fill">
-    <span class="flex-60">{{
+        <span class="flex-40"
-      loansAccount.transactionProcessingStrategyCode
+          >{{ 'labels.inputs.Calculate interest for exact days in partial period' | translate }}:</span
-        | find: loansAccountProductTemplate.transactionProcessingStrategyOptions : 'code' : 'name'
+        >
-        | translateKey: 'catalogs'
+        <span class="flex-60">{{ loansAccount.allowPartialPeriodInterestCalculation }}</span>
-    }}</span>
+      </div>
-  </div>
+    }
 
-  <div class="flex-fill">
+    @if (loansAccount.inArrearsTolerance) {
-    <span class="flex-40"> {{ 'labels.inputs.Installment Amount' | translate }} </span>
+      <div class="flex-fill">
-    <span class="flex-60"> {{ loansAccount.fixedEmiAmount | formatNumber }} </span>
+        <span class="flex-40">{{ 'labels.inputs.Arrears tolerance' | translate }}: </span>
-  </div>
+        <span class="flex-60">{{ loansAccount.inArrearsTolerance }}</span>
+      </div>
+    }
 
-  <div class="flex-fill">
+    @if (loansAccount.graceOnInterestCharged) {
-    <span class="flex-40"> {{ 'labels.inputs.Balloon Repayment Amount' | translate }} </span>
+      <div class="flex-fill">
-    <span class="flex-60"> {{ loansAccount.balloonRepaymentAmount | formatNumber }} </span>
+        <span class="flex-40">{{ 'labels.inputs.Interest free period' | translate }}: </span>
-  </div>
+        <span class="flex-60">{{ loansAccount.graceOnInterestCharged }}</span>
+      </div>
+    }
 
-  <h3 class="mat-h3 margin-t flex-fill">{{ 'labels.heading.Moratorium' | translate }}</h3>
-
-  <mat-divider class="flex-fill"></mat-divider>
-  @if (loansAccount.graceOnPrincipalPayment) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.On principal payment' | translate }}: </span>
+      <span class="flex-40">{{ 'labels.inputs.Repayment strategy' | translate }}: </span>
-      <span class="flex-60">{{ loansAccount.graceOnPrincipalPayment }}</span>
+      <span class="flex-60">{{
+        loansAccount.transactionProcessingStrategyCode
+          | find: loansAccountProductTemplate.transactionProcessingStrategyOptions : 'code' : 'name'
+          | translateKey: 'catalogs'
+      }}</span>
     </div>
-  }
 
-  @if (loansAccount.graceOnInterestPayment) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.On interest payment' | translate }}: </span>
+      <span class="flex-40"> {{ 'labels.inputs.Installment Amount' | translate }} </span>
-      <span class="flex-60">{{ loansAccount.graceOnInterestPayment }}</span>
+      <span class="flex-60"> {{ loansAccount.fixedEmiAmount | formatNumber }} </span>
     </div>
-  }
 
-  @if (loansAccount.graceOnArrearsAgeing) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.On Arrears Aging' | translate }}: </span>
+      <span class="flex-40"> {{ 'labels.inputs.Balloon Repayment Amount' | translate }} </span>
-      <span class="flex-60">{{ loansAccount.graceOnArrearsAgeing }}</span>
+      <span class="flex-60"> {{ loansAccount.balloonRepaymentAmount | formatNumber }} </span>
     </div>
-  }
 
-  <div class="flex-fill">
+    <h3 class="mat-h3 margin-t flex-fill">{{ 'labels.heading.Moratorium' | translate }}</h3>
-    <span class="flex-40"> {{ 'labels.inputs.Enable installment level Delinquency' | translate }} </span>
+
-    <span class="flex-60"> {{ loansAccount.enableInstallmentLevelDelinquency | yesNo }} </span>
+    <mat-divider class="flex-fill"></mat-divider>
-  </div>
+    @if (loansAccount.graceOnPrincipalPayment) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.On principal payment' | translate }}: </span>
+        <span class="flex-60">{{ loansAccount.graceOnPrincipalPayment }}</span>
+      </div>
+    }
+
+    @if (loansAccount.graceOnInterestPayment) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.On interest payment' | translate }}: </span>
+        <span class="flex-60">{{ loansAccount.graceOnInterestPayment }}</span>
+      </div>
+    }
+
+    @if (loansAccount.graceOnArrearsAgeing) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.On Arrears Aging' | translate }}: </span>
+        <span class="flex-60">{{ loansAccount.graceOnArrearsAgeing }}</span>
+      </div>
+    }
 
-  @if (loansAccount.isTopup) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Is Topup Loan' | translate }}? </span>
+      <span class="flex-40"> {{ 'labels.inputs.Enable installment level Delinquency' | translate }} </span>
-      <span class="flex-60">{{ loansAccount.isTopup }}</span>
+      <span class="flex-60"> {{ loansAccount.enableInstallmentLevelDelinquency | yesNo }} </span>
     </div>
-  }
 
-  <div class="flex-fill">
+    @if (loansAccount.isTopup) {
-    <span class="flex-40">{{ 'labels.inputs.Recalculate Interest' | translate }}: </span>
+      <div class="flex-fill">
-    <span class="flex-60">{{ loansAccountProductTemplate?.isInterestRecalculationEnabled | yesNo }}</span>
+        <span class="flex-40">{{ 'labels.inputs.Is Topup Loan' | translate }}? </span>
-  </div>
+        <span class="flex-60">{{ loansAccount.isTopup }}</span>
+      </div>
+    }
 
-  @if (loansAccountProductTemplate?.daysInMonthType) {
     <div class="flex-fill">
-      <span class="flex-40">{{ 'labels.inputs.Days in month' | translate }}: </span>
+      <span class="flex-40">{{ 'labels.inputs.Recalculate Interest' | translate }}: </span>
-      <span class="flex-60">{{ loansAccountProductTemplate?.daysInMonthType.value | translateKey: 'catalogs' }}</span>
+      <span class="flex-60">{{ loansAccountProductTemplate?.isInterestRecalculationEnabled | yesNo }}</span>
     </div>
+
+    @if (loansAccountProductTemplate?.daysInMonthType) {
+      <div class="flex-fill">
+        <span class="flex-40">{{ 'labels.inputs.Days in month' | translate }}: </span>
+        <span class="flex-60">{{ loansAccountProductTemplate?.daysInMonthType.value | translateKey: 'catalogs' }}</span>
+      </div>
+    }
   }
 
   @if (loansAccount.charges.length) {
@@ -395,10 +458,12 @@
     <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
     {{ 'labels.buttons.Previous' | translate }}
   </button>
-  <button mat-raised-button [routerLink]="['../..']">
+  @if (!viewOnly) {
-    {{ 'labels.buttons.Cancel' | translate }}
+    <button mat-raised-button [routerLink]="['../..']">
-  </button>
+      {{ 'labels.buttons.Cancel' | translate }}
-  <button mat-raised-button color="primary" (click)="submitEvent.emit()">
+    </button>
-    {{ 'labels.buttons.Submit' | translate }}
+    <button mat-raised-button color="primary" (click)="submitEvent.emit()">
-  </button>
+      {{ 'labels.buttons.Submit' | translate }}
+    </button>
+  }
 </div>

src/app/loans/loans-account-stepper/loans-account-preview-step/loans-account-preview-step.component.scss

@@ -32,3 +32,182 @@ mat-divider {
 .margin-t {
   margin-top: 1em;
 }
+
+/* Loan Origination preview: a header strip with the headline numbers, then a card per section. */
+$navy: #0d1b2a;
+$blue: #1e88e5;
+$indigo: #4f46e5;
+$border: #e2e8f0;
+$muted: #64748b;
+
+.lp {
+  margin-bottom: 24px;
+}
+
+.lp-hero {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px 32px;
+  padding: 20px 24px;
+  margin-bottom: 20px;
+  border-radius: 16px;
+  color: #fff;
+  background: linear-gradient(135deg, $navy 0%, #1e3a8a 55%, $indigo 100%);
+  box-shadow: 0 6px 20px rgb(30 58 138 / 22%);
+
+  &__eyebrow {
+    display: block;
+    margin: 0;
+    font-size: 11px;
+    letter-spacing: 0.08em;
+    text-transform: uppercase;
+    opacity: 0.7;
+  }
+
+  &__name {
+    margin: 4px 0 2px;
+    font-size: 22px;
+    font-weight: 700;
+    color: #fff;
+  }
+
+  &__sub {
+    margin: 0;
+    font-size: 13px;
+    opacity: 0.85;
+  }
+}
+
+.lp-kpis {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
+  gap: 12px;
+  flex: 1 1 420px;
+}
+
+.lp-kpi {
+  padding: 10px 14px;
+  border-radius: 12px;
+  background: rgb(255 255 255 / 12%);
+  backdrop-filter: blur(4px);
+
+  &__label {
+    display: block;
+    margin: 0;
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    opacity: 0.75;
+  }
+
+  &__value {
+    display: block;
+    margin: 2px 0 0;
+    font-size: 15px;
+    font-weight: 700;
+    word-break: break-word;
+  }
+}
+
+.lp-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fill, minmax(380px, 1fr));
+  gap: 16px;
+
+  @media (width <= 520px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lp-card {
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 14px;
+  box-shadow: 0 1px 3px rgb(15 23 42 / 5%);
+  overflow: hidden;
+
+  &--wide {
+    grid-column: 1 / -1;
+  }
+
+  &__head {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 18px;
+    background: #f8fafc;
+    border-bottom: 1px solid $border;
+
+    h3 {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 700;
+      color: $navy;
+      letter-spacing: 0.01em;
+    }
+  }
+
+  &__icon {
+    display: inline-flex;
+    align-items: center;
+    justify-content: center;
+    width: 28px;
+    height: 28px;
+    border-radius: 8px;
+    font-size: 12px;
+    color: $blue;
+    background: rgb(30 136 229 / 12%);
+  }
+}
+
+.lp-rows {
+  margin: 0;
+  padding: 4px 18px 8px;
+}
+
+.lp-row {
+  display: flex;
+  justify-content: space-between;
+  gap: 16px;
+  padding: 9px 0;
+  border-bottom: 1px dashed #edf1f6;
+
+  &:last-child {
+    border-bottom: 0;
+  }
+
+  dt {
+    flex: 0 0 42%;
+    margin: 0;
+    font-size: 12.5px;
+    color: $muted;
+  }
+
+  dd {
+    flex: 1;
+    margin: 0;
+    text-align: right;
+    font-size: 13.5px;
+    font-weight: 600;
+    color: $navy;
+    word-break: break-word;
+  }
+}
+
+.lp-pill {
+  display: inline-block;
+  margin: 0;
+  padding: 2px 10px;
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 700;
+  color: #475569;
+  background: #e2e8f0;
+
+  &--yes {
+    color: #166534;
+    background: #dcfce7;
+  }
+}

src/app/loans/loans-account-stepper/loans-account-preview-step/loans-account-preview-step.component.ts

@@ -27,6 +27,7 @@ import { ExternalIdentifierComponent } from '../../../shared/external-identifier
 import { MatDivider } from '@angular/material/divider';
 import { MatStepperPrevious } from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { IconProp } from '@fortawesome/fontawesome-svg-core';
 import { FindPipe } from '../../../pipes/find.pipe';
 import { DateFormatPipe } from '../../../pipes/date-format.pipe';
 import { FormatNumberPipe } from '../../../pipes/format-number.pipe';
@@ -73,6 +74,8 @@ export class LoansAccountPreviewStepComponent implements OnChanges {
   @Input() loansAccountProductTemplate: any;
   /** Loans Account Data */
   @Input() loansAccount: any;
+  /** What the Loan Origination steps filled (an account opened from Loan Origination), listed before the loan details. */
+  @Input() losSections: { title: string; rows: { label: string; value: string }[] }[] = [];
   /** active Client Members in case of GLIM Account */
   @Input() activeClientMembers?: any;
 
@@ -111,6 +114,40 @@ export class LoansAccountPreviewStepComponent implements OnChanges {
 
   constructor() {}
 
+  /** Opened from a Loan Origination application: the header strip is shown and the instalment terms are not repeated. */
+  @Input() losMode = false;
+  /** An account already created is being viewed: there is nothing to submit. */
+  @Input() viewOnly = false;
+
+  /** One value from a section (the header strip of the Loan Origination preview). */
+  losHighlight(section: string, label: string): string {
+    return this.losSections?.find((s) => s.title === section)?.rows.find((r) => r.label === label)?.value ?? '—';
+  }
+
+  /** The sections that list one entry per line (or long text) take the full width. */
+  isWide(title: string): boolean {
+    return /^(Security|Guarantors|Related persons|Customer)$/.test(title);
+  }
+
+  sectionIcon(title: string): IconProp {
+    const icons: Record<string, IconProp> = {
+      'Loan Origination application': 'file-alt',
+      Customer: 'user',
+      'Loan terms': 'coins',
+      'Account services': 'credit-card',
+      Limit: 'check-square',
+      Security: 'user-shield',
+      'Product terms': 'file-alt',
+      SMA: 'exclamation-triangle',
+      NPA: 'exclamation-triangle',
+      'As sanctioned': 'check',
+      'SMS Alerts': 'bell',
+      Guarantors: 'user-shield',
+      'Related persons': 'university'
+    };
+    return icons[title] ?? 'file-alt';
+  }
+
   ngOnChanges(changes: SimpleChanges): void {
     this.productEnableDownPayment = this.loansAccountProductTemplate.product.enableDownPayment;
     if (this.activeClientMembers) {

src/app/loans/loans-account-stepper/loans-account-terms-step/loans-account-terms-step.component.scss

@@ -30,3 +30,27 @@ mat-divider {
 .margin-t {
   margin-top: 1em;
 }
+
+/* Advances opened from Loan Origination: the product's interest, shown and not changed. */
+.los-readonly {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
+  gap: 10px 16px;
+  border: 1px solid #c9d7f2;
+  border-radius: 8px;
+  background: #f3f7ff;
+  padding: 12px 16px;
+}
+
+.los-readonly__label {
+  display: block;
+  font-size: 11px;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  color: #5b6b8c;
+}
+
+.los-readonly__note {
+  font-size: 13px;
+  margin: 0;
+}

src/app/loans/loans-account-stepper/loans-account-terms-step/loans-account-terms-step.component.ts

@@ -45,6 +45,10 @@ import { FindPipe } from '../../../pipes/find.pipe';
 import { DateFormatPipe } from '../../../pipes/date-format.pipe';
 import { YesnoPipe } from '../../../pipes/yesno.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { HttpClient } from '@angular/common/http';
+import { LoanApplication } from 'app/loan-origination/loan-origination-data';
+import { LosPreviewSection } from '../los-preview-section';
+import { LoanProductCatalogService } from '../../services/loan-product-catalog.service';
 
 interface DisbursementData {
   id?: number;
@@ -86,6 +90,8 @@ interface DisbursementData {
 })
 export class LoansAccountTermsStepComponent implements OnInit, OnChanges {
   private formBuilder = inject(UntypedFormBuilder);
+  private catalog = inject(LoanProductCatalogService);
+  private http = inject(HttpClient);
   private settingsService = inject(SettingsService);
   private route = inject(ActivatedRoute);
   dialog = inject(MatDialog);
@@ -106,6 +112,192 @@ export class LoansAccountTermsStepComponent implements OnInit, OnChanges {
   @Input() collateralOptions: any;
   // @Input loanPrincipal: Loan Principle
   @Input() loanPrincipal: any;
+  /** The Loan Origination application this account is being opened for; its amount, tenure and rate fill the terms. */
+  @Input() losApplication: LoanApplication | null = null;
+  /** An Advances account opened from Loan Origination: no repayment schedule is asked, the interest is the product's, and the
+   *  account services (cheque book, ATM / IMPS) are taken instead. */
+  @Input() losAdvance = false;
+
+  /** What the officer fills for the account's services; kept apart from the loan terms and saved with the loan afterwards. */
+  readonly losServicesForm = this.formBuilder.group({
+    chequeBookIssue: [false],
+    ppsLimit: [null],
+    atmActive: [false],
+    impsActive: [false],
+    impsPrimary: [false],
+    mmid: [''],
+    upiActive: [false],
+    posActive: [false],
+    atmPerTxn: [null],
+    atmDay: [null],
+    posPerTxn: [null],
+    posDay: [null],
+    upiPerTxn: [null],
+    upiDay: [null]
+  });
+
+  /** The settings the product was created with (Product Creation), for the read-only interest block and the cheque book. */
+  get productExt(): Record<string, any> {
+    // The full settings are read from the product itself; the catalog list carries only its classification.
+    return this.losProductExt ?? this.catalog.classification(this.losProductId);
+  }
+
+  /** The id of the product the account is for, whichever way the product template carries it. */
+  private get losProductId(): any {
+    return this.loansAccountProductTemplate?.loanProductId ?? this.loansAccountProductTemplate?.product?.id;
+  }
+
+  private losProductExt: Record<string, any> | null = null;
+  private losProductExtFor: any = null;
+
+  private loadLosProductExt(): void {
+    const productId = this.losProductId;
+    if (!this.losAdvance || !productId || this.losProductExtFor === productId) {
+      return;
+    }
+    this.losProductExtFor = productId;
+    this.http.get<any>('/loanproducts/' + productId).subscribe((product) => {
+      this.losProductExt = product?.advanceExtensions ?? null;
+    });
+  }
+
+  /** The interest the product was set up with, shown and not changed. */
+  get losInterestRows(): { label: string; value: string }[] {
+    const e = this.productExt;
+    const app = this.losApplication;
+    const yesNo = (v: any) => (v === true || v === 'true' ? 'Yes' : 'No');
+    const rows: { label: string; value: string }[] = [];
+    rows.push({
+      label: 'Debit interest rate',
+      value:
+        (app ? app.interestRate + '% p.a.' : '—') +
+        (e['interestBasis'] === 'deposit_spread' ? ' (deposit rate + ' + (e['spread'] ?? 0) + '%)' : '')
+    });
+    rows.push({
+      label: 'Interest charged on',
+      value: e['interestChargedOn'] === 'limit' ? 'Sanctioned limit' : 'Amount used'
+    });
+    rows.push({ label: 'Interest calculation', value: e['interestCalcMethod'] ?? '—' });
+    rows.push({
+      label: 'Interest posting',
+      value:
+        [
+          e['interestPostingFrequency'],
+          e['interestPostingDay']
+        ]
+          .filter(Boolean)
+          .join(' · ') || '—'
+    });
+    rows.push({ label: 'Credit interest on balance', value: yesNo(e['interestOnCreditBalance']) });
+    rows.push({
+      label: 'Penal interest',
+      value: e['penalApplicable']
+        ? (e['penalRate'] ?? 0) +
+          '% on ' +
+          (e['penalAppliedOn'] ?? 'overdue') +
+          (e['penalGraceDays'] ? ', grace ' + e['penalGraceDays'] + ' days' : '')
+        : 'Not applicable'
+    });
+    return rows;
+  }
+
+  /** Everything on this step, for the Preview (an Advances account opened from Loan Origination). */
+  previewSections(): LosPreviewSection[] {
+    const app = this.losApplication;
+    const v = this.losServicesForm.getRawValue();
+    const yn = (b: any) => (b ? 'Yes' : 'No');
+    const inr = (x: any) => (x === null || x === '' || x === undefined ? '—' : '₹' + Number(x).toLocaleString('en-IN'));
+    const services: { label: string; value: string }[] = [];
+    if (this.chequeBookOffered) {
+      services.push(
+        { label: 'Cheque book issue', value: yn(v.chequeBookIssue) },
+        { label: 'Positive Pay limit', value: inr(v.ppsLimit) }
+      );
+    }
+    services.push(
+      {
+        label: 'ATM',
+        value: yn(v.atmActive) + (v.atmActive ? ' · per txn ' + inr(v.atmPerTxn) + ' · per day ' + inr(v.atmDay) : '')
+      },
+      {
+        label: 'IMPS',
+        value: yn(v.impsActive) + (v.impsActive ? ' · primary ' + yn(v.impsPrimary) + ' · MMID ' + (v.mmid || '—') : '')
+      },
+      {
+        label: 'UPI',
+        value: yn(v.upiActive) + (v.upiActive ? ' · per txn ' + inr(v.upiPerTxn) + ' · per day ' + inr(v.upiDay) : '')
+      },
+      {
+        label: 'POS',
+        value: yn(v.posActive) + (v.posActive ? ' · per txn ' + inr(v.posPerTxn) + ' · per day ' + inr(v.posDay) : '')
+      }
+    );
+    return [
+      {
+        title: 'Loan terms',
+        rows: [
+          { label: 'Sanctioned amount', value: app ? inr(app.requestedAmount) : '—' },
+          { label: 'Tenure', value: app ? app.tenureMonths + ' months' : '—' },
+          ...this.losInterestRows
+        ]
+      },
+      { title: 'Account services', rows: services }
+    ];
+  }
+
+  /** Only a product that has a cheque book asks whether this customer gets one. */
+  get chequeBookOffered(): boolean {
+    return this.productExt['chequeBookEnabled'] === true;
+  }
+
+  /** What the product says about Positive Pay on its cheques: the value from which it is asked and from which it is mandatory. */
+  get chequePpsInfo(): string {
+    const e = this.productExt;
+    const money = (x: any) =>
+      x === undefined || x === null || x === '' ? null : '₹' + Number(x).toLocaleString('en-IN');
+    return [
+      money(e['ppsThreshold']) ? 'asked from ' + money(e['ppsThreshold']) : '',
+      money(e['ppsMandatoryAbove']) ? 'mandatory above ' + money(e['ppsMandatoryAbove']) : ''
+    ]
+      .filter(Boolean)
+      .join(', ');
+  }
+
+  get chequeBookInfo(): string {
+    const e = this.productExt;
+    return [
+      e['chequeType'],
+      e['defaultChequeBookSize'] ? e['defaultChequeBookSize'] + ' leaves' : ''
+    ]
+      .filter(Boolean)
+      .join(' · ');
+  }
+
+  /** The services as the loan_account_services datatable stores them. */
+  get losServices(): Record<string, any> {
+    const v = this.losServicesForm.getRawValue();
+    const num = (x: any) => (x === null || x === '' || x === undefined ? undefined : Number(x));
+    const data: Record<string, any> = {
+      atm_active: !!v.atmActive,
+      imps_active: !!v.impsActive,
+      imps_primary_account: !!v.impsPrimary,
+      upi_active: !!v.upiActive,
+      pos_active: !!v.posActive,
+      mmid: v.mmid || undefined,
+      atm_per_txn_limit: num(v.atmPerTxn),
+      atm_day_limit: num(v.atmDay),
+      pos_per_txn_limit: num(v.posPerTxn),
+      pos_day_limit: num(v.posDay),
+      upi_per_txn_limit: num(v.upiPerTxn),
+      upi_day_limit: num(v.upiDay)
+    };
+    if (this.chequeBookOffered) {
+      data['cheque_book_issue'] = !!v.chequeBookIssue;
+      // Positive Pay applies to cheques, so it is asked only where the product has a cheque book.
+      data['pps_limit'] = num(v.ppsLimit);
+    }
+    return data;
+  }
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -313,6 +505,28 @@ export class LoansAccountTermsStepComponent implements OnInit, OnChanges {
           new UntypedFormControl(this.loansAccountTermsData?.maxOutstandingLoanBalance ?? null)
         );
       }
+      this.applyLosTerms();
+      this.loadLosProductExt();
+    }
+  }
+
+  /**
+   * Opened from Loan Origination: the amount, tenure and interest rate are the ones sanctioned there, not the product's
+   * defaults. Tenure is in months there, so the number of repayments is that over how often the product repays.
+   */
+  private applyLosTerms(): void {
+    const app = this.losApplication;
+    if (!app || !this.loansAccountTermsData) {
+      return;
+    }
+    const repaymentEvery = Number(this.loansAccountTermsForm.get('repaymentEvery')?.value) || 1;
+    this.loansAccountTermsForm.patchValue({
+      principalAmount: app.requestedAmount,
+      numberOfRepayments: Math.max(1, Math.round(app.tenureMonths / repaymentEvery))
+    });
+    const rate = this.loansAccountTermsForm.get('interestRatePerPeriod');
+    if (rate && !rate.disabled) {
+      rate.setValue(app.interestRate);
     }
   }
 

src/app/loans/loans-account-stepper/los-preview-section.ts

@@ -0,0 +1,13 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+/** A block of label / value rows each Loan Origination step of the account screen contributes to the Preview. */
+export interface LosPreviewSection {
+  title: string;
+  rows: { label: string; value: string }[];
+}

src/app/products/loan-products/create-loan-product/create-loan-product.component.ts

@@ -405,6 +405,8 @@ export class CreateLoanProductComponent implements OnInit, AfterViewInit {
       securityType: e.securityType,
       eligibleAmountBasis: e.eligibleAmountBasis,
       margin: e.margin,
+      guarantorsRequired: e.guarantorsRequired ?? 0,
+      guarantorMustBeMember: e.guarantorMustBeMember ?? true,
       lienMarkingStage: e.lienMarkingStage,
       eligibleDepositProducts: split(e.eligibleDepositProducts),
       tenureNotExceedMaturity: e.lienTenureNotExceedMaturity,
@@ -1194,6 +1196,8 @@ export class CreateLoanProductComponent implements OnInit, AfterViewInit {
       eligibleAmountBasis: sec.eligibleAmountBasis,
       margin: num(sec.margin),
       ltv: sec.ltv,
+      guarantorsRequired: num(sec.guarantorsRequired) ?? 0,
+      guarantorMustBeMember: sec.guarantorMustBeMember,
       dpMethod: 'security_value_x_ltv',
       lienRequired: this.loanProductSecurityLienStep.isLienSubType,
       // Lien settings exist only for a deposit / policy sub type; a pledged one (Gold ...) sends none of them.
@@ -1329,6 +1333,9 @@ export class CreateLoanProductComponent implements OnInit, AfterViewInit {
     return payload;
   }
 
+  /** True from the moment a new product is sent until the answer comes back. */
+  private creating = false;
+
   submit() {
     const loanProduct = this.loanProducts.buildPayload(this.loanProduct, this.itemsByDefault);
     if (this.isAdvancedPaymentStrategy) {
@@ -1353,7 +1360,15 @@ export class CreateLoanProductComponent implements OnInit, AfterViewInit {
       return;
     }
 
+    // a second click while the first request is still on its way would send the same product twice
+    if (this.creating) {
+      return;
+    }
+    this.creating = true;
     this.productsService.createLoanProduct(loanProduct).subscribe({
+      error: () => {
+        this.creating = false;
+      },
       next: (response: any) => {
         if (response?.rollbackTransaction) {
           this.alertService.alert({

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.html

@@ -91,6 +91,8 @@
           />
           @if (loanProductDetailsForm.get('shortName').hasError('pattern')) {
             <mat-error>Short Name must be exactly <strong>2 capital letters</strong> (A–Z)</mat-error>
+          } @else if (loanProductDetailsForm.get('shortName').hasError('taken')) {
+            <mat-error>This Short Name is already used by another product — pick a different one</mat-error>
           } @else {
             <mat-error>
               {{ 'labels.inputs.Short Name' | translate }} {{ 'labels.commons.is' | translate }}

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.ts

@@ -18,6 +18,7 @@ import { CdkTextareaAutosize } from '@angular/cdk/text-field';
 import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from '../../loan-product-types';
+import { ProductsService } from 'app/products/products.service';
 
 @Component({
   selector: 'mifosx-loan-product-details-step',
@@ -35,6 +36,10 @@ export class LoanProductDetailsStepComponent implements OnInit {
   private formBuilder = inject(UntypedFormBuilder);
   private dateUtils = inject(Dates);
   private settingsService = inject(SettingsService);
+  private productsService = inject(ProductsService);
+
+  /** Short names the existing products already use, so a new product is not offered (or allowed) one of them. */
+  private takenShortNames = new Set<string>();
 
   @Input() loanProductsTemplate: any;
 
@@ -73,8 +78,20 @@ export class LoanProductDetailsStepComponent implements OnInit {
       // rule, so an existing short name such as 'PW16' does not stop the product from being edited.
       this.loanProductDetailsForm.get('shortName').setValidators([
         Validators.required,
-        Validators.pattern(/^[A-Z]{2}$/)
+        Validators.pattern(/^[A-Z]{2}$/),
+        (control) =>
+          this.takenShortNames.has(control.value) ? { taken: true } : null
       ]);
+      this.productsService.getLoanProducts().subscribe((products: any[]) => {
+        this.takenShortNames = new Set((products ?? []).map((p) => p.shortName));
+        // the code filled in before this list arrived may already be in use
+        const control = this.loanProductDetailsForm.get('shortName');
+        if (control.value && this.takenShortNames.has(control.value)) {
+          control.setValue(this.freeShortName(control.value));
+        } else {
+          control.updateValueAndValidity({ emitEvent: false });
+        }
+      });
       this.loanProductDetailsForm.get('productTypeGroup').updateValueAndValidity({ emitEvent: false });
       this.loanProductDetailsForm.get('productTypeSubGroup').updateValueAndValidity({ emitEvent: false });
       this.loanProductDetailsForm.get('glAccount').updateValueAndValidity({ emitEvent: false });
@@ -130,6 +147,23 @@ export class LoanProductDetailsStepComponent implements OnInit {
     return typeof saved === 'boolean' ? (saved ? 'YES' : 'NO') : (saved ?? fallback);
   }
 
+  /**
+   * The sub type's own code when no product uses it yet; otherwise the same first letter with the next free second
+   * letter (FD taken -> FA, then FB ...), so a second product of the same kind still gets a short name of its own.
+   */
+  private freeShortName(wanted: string): string {
+    if (this.isExistingProduct || !this.takenShortNames.has(wanted)) {
+      return wanted;
+    }
+    for (const second of 'ABCDEFGHIJKLMNOPQRSTUVWXYZ') {
+      const candidate = wanted.charAt(0) + second;
+      if (!this.takenShortNames.has(candidate)) {
+        return candidate;
+      }
+    }
+    return wanted;
+  }
+
   /** True when editing a saved product; see ngOnInit. */
   isExistingProduct = false;
 
@@ -246,7 +280,7 @@ export class LoanProductDetailsStepComponent implements OnInit {
     this.loanProductDetailsForm.get('productTypeSubGroup')?.valueChanges.subscribe((subGroupId: string) => {
       const subGroup = this.availableSubGroups.find((s) => s.id === subGroupId);
       if (subGroup) {
-        this.loanProductDetailsForm.get('shortName').setValue(subGroup.shortName);
+        this.loanProductDetailsForm.get('shortName').setValue(this.freeShortName(subGroup.shortName));
       }
       this.applyCategoryForSubType(subGroupId);
     });

src/app/products/loan-products/loan-product-stepper/loan-product-preview-step/loan-product-preview-step.component.ts

@@ -182,6 +182,8 @@ export class LoanProductPreviewStepComponent {
           ),
           row('Margin', 'margin', pct),
           row('LTV', 'ltv', pct),
+          row('Guarantors required', 'guarantorsRequired'),
+          row('Guarantors must be bank members', 'guarantorMustBeMember'),
           row('Lien required', 'lienRequired'),
           row('Lien marking stage', 'lienMarkingStage'),
           row('Eligible deposit products', 'eligibleDepositProducts'),

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.html

@@ -15,6 +15,24 @@
   }
 
   @if (isAdvance) {
+    <div class="lsl-section">
+      <div class="lsl-section__header">
+        <i class="fas fa-user-plus"></i>
+        <h3>Guarantors</h3>
+        <span class="lsl-section__hint">Asked on every application of this product</span>
+      </div>
+      <div class="lsl-grid">
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Guarantors Required</mat-label>
+          <input matInput type="number" formControlName="guarantorsRequired" min="0" max="5" />
+          <mat-hint>0 = none (a deposit or policy is its own security). Otherwise that many are asked for.</mat-hint>
+        </mat-form-field>
+        <div class="lsl-checks">
+          <mat-checkbox formControlName="guarantorMustBeMember">Guarantors must be members of the bank</mat-checkbox>
+        </div>
+      </div>
+    </div>
+
     <div class="lsl-section">
       <div class="lsl-section__header">
         <i class="fas fa-shield-alt"></i>

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.ts

@@ -240,6 +240,15 @@ export class LoanProductSecurityLienStepComponent implements OnInit {
             Validators.max(100)
           ]
         ],
+        // How many guarantors an application on this product has to name (0 = none: a deposit is its own security).
+        guarantorsRequired: [
+          0,
+          [
+            Validators.min(0),
+            Validators.max(5)
+          ]
+        ],
+        guarantorMustBeMember: [true],
         lienMarkingStage: [
           'disbursement',
           Validators.required
@@ -445,6 +454,8 @@ export class LoanProductSecurityLienStepComponent implements OnInit {
       eligibleAmountBasis: value.eligibleAmountBasis,
       margin: value.margin,
       ltv: this.ltv,
+      guarantorsRequired: value.guarantorsRequired,
+      guarantorMustBeMember: value.guarantorMustBeMember,
       lienMarkingStage: value.lienMarkingStage,
       eligibleDepositProducts: value.eligibleDepositProducts,
       lienRules: {