CTR/STR report and Risk Category auto mark on bases of person occupation and anual salary enter

This commit is contained in:
2026-07-29 10:21:02 +05:30
parent 79fedb66e5
commit f682cb17f6
16 changed files with 1808 additions and 29 deletions
@@ -136,7 +136,7 @@
| translate
}}
</mat-label>
<input matInput required formControlName="fullname" />
<input matInput required formControlName="fullname" autocomplete="off" />
@if (createClientForm.controls.fullname.hasError('required')) {
<mat-error>Client name is <strong>required</strong></mat-error>
} @else if (createClientForm.controls.fullname.hasError('pattern')) {
@@ -214,7 +214,7 @@
<mat-form-field appearance="outline" class="name-field first-name">
<mat-label>{{ 'labels.inputs.First Name' | translate }}</mat-label>
<span matPrefix class="field-prefix-icon"><mat-icon>badge</mat-icon></span>
<input matInput required formControlName="firstname" />
<input matInput required formControlName="firstname" autocomplete="off" />
@if (createClientForm.controls.firstname.hasError('required')) {
<mat-error>First name is <strong>required</strong></mat-error>
} @else if (createClientForm.controls.firstname.hasError('pattern')) {
@@ -228,7 +228,7 @@
<mat-form-field appearance="outline" class="name-field middle-name">
<mat-label>{{ 'labels.inputs.Middle Name' | translate }}</mat-label>
<span matPrefix class="field-prefix-icon"><mat-icon>person_outline</mat-icon></span>
<input matInput formControlName="middlename" />
<input matInput formControlName="middlename" autocomplete="off" />
@if (
createClientForm.controls.middlename?.hasError('pattern') &&
createClientForm.controls.middlename?.touched
@@ -241,7 +241,7 @@
<mat-form-field appearance="outline" class="name-field last-name">
<mat-label>{{ 'labels.inputs.Last Name' | translate }}</mat-label>
<span matPrefix class="field-prefix-icon"><mat-icon>person</mat-icon></span>
<input matInput required formControlName="lastname" />
<input matInput required formControlName="lastname" autocomplete="off" />
@if (createClientForm.controls.lastname.hasError('required')) {
<mat-error>Last name is <strong>required</strong></mat-error>
} @else if (createClientForm.controls.lastname.hasError('pattern')) {
@@ -108,6 +108,7 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
* m_code_value (code "PwdCategory") via the client template, same as occupationCategoryOptions.
* Admins can add/reorder/deactivate entries from System -> Manage Codes without a code change. */
pwdCategoryOptions: any[] = [];
riskRules: any[] = [];
/** Set true after a save attempt so the UI can highlight a missing required document */
seniorPwdDocsTouched = false;
@@ -546,6 +547,10 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
ngOnInit() {
this.maxDate = this.settingsService.businessDate;
this.setOptions();
this.clientService.getClientRiskRules().subscribe((rules) => {
this.riskRules = rules || [];
});
// Fetch marital status options from code values
this.clientService.getCodeValuesByName('MaritalStatus').subscribe((options) => {
this.maritalStatusOptions = options || [];
@@ -2120,6 +2125,74 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
return generalDetails;
}
get calculatedRisk(): { category: number; reason: string } {
const legalFormId = this.createClientForm.get('legalFormId')?.value || 1; // 1 = Person, 2 = Entity
const occCatId = this.createClientForm.get('occupationCategoryCvId')?.value;
const occId = this.createClientForm.get('occupationCvId')?.value;
const monthlyIncome = parseFloat(this.createClientForm.get('monthlyIncome')?.value) || 0;
const annualIncome = parseFloat(this.createClientForm.get('annualIncome')?.value) || 0;
const monthlyTurnover = parseFloat(this.createClientForm.get('monthlyTurnover')?.value) || 0;
const annualTurnover = parseFloat(this.createClientForm.get('annualTurnover')?.value) || 0;
const agricultureIncome = parseFloat(this.createClientForm.get('agricultureIncome')?.value) || 0;
const nonAgricultureIncome = parseFloat(this.createClientForm.get('nonAgricultureIncome')?.value) || 0;
const totalAnnualIncome = annualIncome + agricultureIncome + nonAgricultureIncome;
// Evaluate rules from DB (ordered by orderPosition ASC)
if (this.riskRules && this.riskRules.length > 0) {
for (const rule of this.riskRules) {
// Match legal form
if (rule.legalFormId != null && rule.legalFormId !== legalFormId) {
continue;
}
// Match occupation category
if (rule.occupationCategoryCvId != null && rule.occupationCategoryCvId !== occCatId) {
continue;
}
// Match occupation
if (rule.occupationCvId != null && rule.occupationCvId !== occId) {
continue;
}
// Match monthly income ranges
if (rule.minMonthlyIncome != null && monthlyIncome < rule.minMonthlyIncome) {
continue;
}
if (rule.maxMonthlyIncome != null && monthlyIncome > rule.maxMonthlyIncome) {
continue;
}
// Match annual income ranges (evaluated against totalAnnualIncome)
if (rule.minAnnualIncome != null && totalAnnualIncome < rule.minAnnualIncome) {
continue;
}
if (rule.maxAnnualIncome != null && totalAnnualIncome > rule.maxAnnualIncome) {
continue;
}
// Match turnover ranges
if (rule.minAnnualTurnover != null && annualTurnover < rule.minAnnualTurnover) {
continue;
}
if (rule.maxAnnualTurnover != null && annualTurnover > rule.maxAnnualTurnover) {
continue;
}
// All matched!
return { category: rule.riskCategory, reason: rule.reason };
}
}
// Default Fallbacks
if (legalFormId !== LegalFormId.PERSON) {
return { category: 2, reason: 'Non-Individual / Entity profile (Default Medium Risk)' };
}
return { category: 1, reason: 'Default Low Risk profile (Salary / Service / Agriculture / Others)' };
}
}
/**
@@ -49,6 +49,10 @@ export class ClientIndiaAddressStepComponent implements OnInit, OnChanges {
/** Minor clients can't hold utility bills, bank statements or an adult-only OVD in their own
* name — restricts the address-proof picker to Aadhaar/Passport when true. */
@Input() isMinor = false;
/** Non-individual (entity) clients — hides personal OVDs (Aadhaar/Passport/DL/Voter ID/NREGA/
* NPR/Birth Certificate/School ID) from the proof-of-address picker; a company's registered
* office address is evidenced by utility bills, GST/rent documents etc., not a person's ID. */
@Input() isNonIndividual = false;
activeTab = 0;
sameAsPermanent = false;
@@ -282,8 +286,8 @@ export class ClientIndiaAddressStepComponent implements OnInit, OnChanges {
this.clientsService.getKycProofTypes().subscribe({
next: (res: any) => {
const activeFilter = (p: any) => p?.active !== false;
this.addressProofs = this.filterAddressProofsForMinor(
(res?.addressProofs || []).filter(activeFilter).map(normalizeProofType)
this.addressProofs = this.filterAddressProofsForNonIndividual(
this.filterAddressProofsForMinor((res?.addressProofs || []).filter(activeFilter).map(normalizeProofType))
);
this.addressGroups = groupProofsByCategory(this.addressProofs);
this.loadingProofs = false;
@@ -309,6 +313,26 @@ export class ClientIndiaAddressStepComponent implements OnInit, OnChanges {
);
}
/** Personal OVDs — not valid proof of a registered office/entity address. */
private static readonly NON_INDIVIDUAL_EXCLUDED_ADDRESS_PROOF_CODES = new Set([
'AADHAAR',
'PASSPORT',
'VOTER_ID',
'DRIVING_LICENSE',
'NREGA_JOB_CARD',
'NPR_LETTER',
'BIRTH_CERTIFICATE',
'SCHOOL_ID_CARD'
]);
private filterAddressProofsForNonIndividual(proofs: ProofType[]): ProofType[] {
if (!this.isNonIndividual) return proofs;
return proofs.filter(
(p) =>
!ClientIndiaAddressStepComponent.NON_INDIVIDUAL_EXCLUDED_ADDRESS_PROOF_CODES.has((p.code || '').toUpperCase())
);
}
selectAddrProof(proof: ProofType): void {
this.selectedAddrProof = proof;
this.permanentForm.get('proofId')?.setValue(proof.id);
@@ -425,6 +449,14 @@ export class ClientIndiaAddressStepComponent implements OnInit, OnChanges {
}
}
}
// Legal form toggled on an already-initialized instance — re-fetch rather than filter
// `addressProofs` in place, since the non-individual filter only ever removes entries and
// toggling back to individual could never recover what a prior pass had stripped out.
if (changes['isNonIndividual'] && !changes['isNonIndividual'].firstChange) {
this.selectedAddrProof = null;
this.permanentForm.get('proofId')?.setValue('');
this.loadProofTypes();
}
}
/**
@@ -1049,6 +1049,12 @@
</h4>
<div class="form-grid">
<div class="checkbox-field override-checkbox-wrapper full-width">
<mat-checkbox formControlName="allowRiskOverride" [disabled]="readOnly">
Override Auto-calculated Risk Category
</mat-checkbox>
</div>
<mat-form-field appearance="outline" class="form-field">
<mat-label>Risk Category</mat-label>
<mat-select formControlName="riskCategory">
@@ -1086,6 +1092,64 @@
<mat-hint>Auto: Low 10yr, Medium 8yr, High 2yr</mat-hint>
</mat-form-field>
@if (riskCalculationReason && !kycForm.get('allowRiskOverride')?.value && !readOnly) {
<div
class="risk-auto-calc-info full-width"
[class.risk-auto-calc-info--low]="kycForm.get('riskCategory')?.value === 1"
[class.risk-auto-calc-info--medium]="kycForm.get('riskCategory')?.value === 2"
[class.risk-auto-calc-info--high]="kycForm.get('riskCategory')?.value === 3"
>
<mat-icon class="info-icon">info</mat-icon>
<span class="info-text"
>Auto-determined: <strong>{{ riskCalculationReason }}</strong></span
>
</div>
}
<div class="risk-rules-toggle-wrapper full-width">
<button mat-button type="button" class="rules-toggle-btn" (click)="showRiskRulesTable = !showRiskRulesTable">
<mat-icon class="rules-toggle-icon">{{ showRiskRulesTable ? 'expand_less' : 'expand_more' }}</mat-icon>
{{
showRiskRulesTable ? 'Hide Risk Classification Criteria Table' : 'View Risk Classification Criteria Table'
}}
</button>
</div>
@if (showRiskRulesTable) {
<div class="risk-rules-card mat-elevation-z1 full-width">
<table class="risk-rules-table">
<thead>
<tr>
<th>Risk Category</th>
<th>Primary Criteria / Basis</th>
<th>Examples / Thresholds</th>
</tr>
</thead>
<tbody>
<tr class="rule-row rule-row--high">
<td><span class="risk-badge risk-badge--high">High Risk</span></td>
<td>PEPs, High-Risk Industries, High Income / Turnovers</td>
<td>
Politicians; Real Estate, Import/Export; Commission Agents; Income > ₹20L/yr; Turnover > ₹1 Crore
</td>
</tr>
<tr class="rule-row rule-row--medium">
<td><span class="risk-badge risk-badge--medium">Medium Risk</span></td>
<td>Self-Employed, Professionals, Cross-Border, Moderate Income</td>
<td>
Business Owners, Traders; Doctors, Lawyers, CAs; NRI, PIO, OCI; Income > ₹6L/yr; Turnover > ₹20L
</td>
</tr>
<tr class="rule-row rule-row--low">
<td><span class="risk-badge risk-badge--low">Low Risk</span></td>
<td>Non-Earning, Government Employment, Agriculture / Manual</td>
<td>Students, Minors, Homemakers; Govt/PSU Employees; Farmers, Daily Wage; Income <= ₹6L/yr</td>
</tr>
</tbody>
</table>
</div>
}
<mat-form-field appearance="outline" class="form-field full-width">
<mat-label>{{ isKycVerified ? 'Reason for Re-edit *' : 'Remarks' }}</mat-label>
<textarea
@@ -2257,3 +2257,161 @@
width: 95px;
}
}
.override-checkbox-wrapper {
margin-bottom: 8px;
}
.risk-auto-calc-info {
display: flex;
align-items: center;
gap: 10px;
padding: 12px 16px;
border-radius: 8px;
font-size: 13px;
font-weight: 500;
margin-top: -8px;
margin-bottom: 12px;
border: 1px solid transparent;
.info-icon {
font-size: 18px !important;
width: 18px;
height: 18px;
flex-shrink: 0;
}
.info-text strong {
font-weight: 600;
}
&--low {
background: #ecfdf5;
color: #065f46;
border-color: #a7f3d0;
.info-icon {
color: #10b981;
}
}
&--medium {
background: #fffbeb;
color: #92400e;
border-color: #fde68a;
.info-icon {
color: #f59e0b;
}
}
&--high {
background: #fef2f2;
color: #991b1b;
border-color: #fecaca;
.info-icon {
color: #ef4444;
}
}
}
.risk-rules-toggle-wrapper {
margin-top: 4px;
margin-bottom: 12px;
.rules-toggle-btn {
font-size: 13px;
font-weight: 600;
color: #1e6bb8;
display: inline-flex;
align-items: center;
gap: 6px;
padding: 6px 12px;
border-radius: 20px;
transition: all 0.2s ease-in-out;
background: #f1f5f9;
&:hover {
background: #e2e8f0;
color: #0f172a;
}
}
}
.risk-rules-card {
background: #fff;
border: 1px solid #e2e8f0;
border-radius: 8px;
padding: 16px;
margin-bottom: 16px;
box-shadow: 0 1px 3px rgb(0 0 0 / 5%);
}
.risk-rules-table {
width: 100%;
border-collapse: collapse;
font-size: 13px;
text-align: left;
th {
padding: 10px 12px;
font-weight: 600;
color: #475569;
border-bottom: 2px solid #cbd5e1;
background: #f8fafc;
font-size: 11px;
text-transform: uppercase;
letter-spacing: 0.5px;
}
td {
padding: 12px;
border-bottom: 1px solid #e2e8f0;
color: #334155;
vertical-align: top;
line-height: 1.5;
}
tr:last-child td {
border-bottom: none;
}
.rule-row {
transition: background 0.15s ease-in-out;
&:hover {
background: #f8fafc;
}
}
.risk-badge {
display: inline-block;
padding: 4px 10px;
border-radius: 12px;
font-size: 11px;
font-weight: 600;
text-transform: uppercase;
letter-spacing: 0.3px;
text-align: center;
width: 80px;
&--high {
background: #fef2f2;
color: #dc2626;
border: 1px solid #fecaca;
}
&--medium {
background: #fffbeb;
color: #d97706;
border: 1px solid #fde68a;
}
&--low {
background: #ecfdf5;
color: #16a34a;
border: 1px solid #a7f3d0;
}
}
}
@@ -70,6 +70,7 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
@Input() entityName: string = '';
/** Read-only mode — disables form editing until user clicks edit icon */
@Input() readOnly = false;
@Input() calculatedRisk: { category: number; reason: string } | null = null;
today = new Date();
kycId: string = '';
@@ -170,6 +171,17 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
{ name: 'Birth Certificate', code: 'BIRTH_CERTIFICATE' },
{ name: 'School ID Card', code: 'SCHOOL_ID_CARD' }
];
/** Generic RBI-prescribed KYC documents for legal entities (Master Direction on KYC,
* Annexure I) — shown for non-individual clients before a specific constitution type is
* picked. Individual OVDs (Aadhaar/Passport/DL/Voter ID/NREGA/NPR) don't apply to entities. */
private nonIndividualDefaultDocTypes = [
{ name: 'Certificate of Incorporation / Registration Certificate', code: 'CERT_INCORPORATION' },
{ name: 'PAN Card of Entity', code: 'ENTITY_PAN' },
{ name: 'Memorandum & Articles of Association / Partnership Deed / Trust Deed', code: 'CONSTITUTIVE_DOC' },
{ name: 'Board Resolution / Authorization Letter', code: 'BOARD_RESOLUTION' },
{ name: 'KYC of Authorized Signatory / Power of Attorney Holder', code: 'AUTH_SIGNATORY_KYC' },
{ name: 'GST Registration Certificate', code: 'GST_CERTIFICATE' }
];
/** Constitution-based KYC document types for non-individual clients */
private constitutionDocTypes: Record<string, { name: string; mandatory: boolean }[]> = {
HUF: [
@@ -250,6 +262,9 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
{ value: 3, label: 'High Risk', years: 2, color: 'red' }
];
riskCalculationReason = '';
showRiskRulesTable = false;
/** PAN verification */
panVerifyStatus: 'NONE' | 'VERIFIED' | 'FAILED' = 'NONE';
panVerifying = false;
@@ -441,6 +456,7 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
kycDocIssueDate: [''],
kycDocExpiryDate: [''],
riskCategory: [1],
allowRiskOverride: [false],
remarks: [''],
amlCheckStatus: [
'CLEAR',
@@ -488,6 +504,14 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
return docs.filter((d) => !ClientKycStepComponent.MINOR_ONLY_DOC_CODES.has((d.code || '').toUpperCase()));
}
/** Individual-only OVDs vs. entity-only RBI docs — never both, and minor filtering only
* ever applies to individuals. */
private getDefaultDocTypes(): { name: string; code: string }[] {
return this.isNonIndividual
? this.nonIndividualDefaultDocTypes
: this.filterDocTypesForMinor(this.defaultDocumentTypes);
}
ngOnInit(): void {
this.seedDefaultDocTypes();
this.loadExistingKycIfNeeded();
@@ -495,20 +519,36 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
if (this.isNonIndividual && this.constitutionMeta) {
this.updateDocTypesForConstitution();
}
this.kycForm.get('allowRiskOverride')?.valueChanges.subscribe((allowed: boolean) => {
const riskControl = this.kycForm.get('riskCategory');
if (allowed) {
if (!this.readOnly) {
riskControl?.enable();
}
} else {
riskControl?.disable();
if (this.calculatedRisk) {
riskControl?.setValue(this.calculatedRisk.category);
}
}
});
if (!this.kycForm.get('allowRiskOverride')?.value) {
this.kycForm.get('riskCategory')?.disable();
}
}
/** Seed the document-type picker from defaults, filtered by the current isMinor input.
* Only seeds when the list is empty — the template API (loadKycTemplate) takes over once
* a clientId is available. */
/** Seed the document-type picker from defaults (entity RBI docs vs. individual OVDs,
* filtered by the current isMinor input for individuals). Only seeds when the list is
* empty — the template API (loadKycTemplate) takes over once a clientId is available. */
private seedDefaultDocTypes(): void {
if (this.kycDocumentTypes.length) return;
this.kycDocumentTypes = this.filterDocTypesForMinor(
this.defaultDocumentTypes.map((d) => ({
name: d.name,
code: d.code,
mandatory: false
}))
);
this.kycDocumentTypes = this.getDefaultDocTypes().map((d) => ({
name: d.name,
code: d.code,
mandatory: false
}));
this.rebuildKycDocPicker();
}
@@ -526,6 +566,7 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
this.kycForm.reset({
hasPan: true,
riskCategory: 1,
allowRiskOverride: false,
amlCheckStatus: 'CLEAR',
bannedEntityMatch: 'NO',
willfulDefaulter: 'NO',
@@ -546,6 +587,8 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
this.kycDocMergedFile = null;
this.kycDocMergedPreview = null;
this.existingKycIdentifierId = null;
this.riskCalculationReason = '';
this.showRiskRulesTable = false;
this.existingKycDocuments = [];
this.photoSigTouched = false;
this.panVerifyStatus = 'NONE';
@@ -598,12 +641,41 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
this.kycForm.disable({ emitEvent: false });
} else {
this.kycForm.enable({ emitEvent: false });
if (!this.kycForm.get('allowRiskOverride')?.value) {
this.kycForm.get('riskCategory')?.disable({ emitEvent: false });
}
}
}
if (changes['calculatedRisk']) {
const newRisk = changes['calculatedRisk'].currentValue;
if (newRisk) {
this.riskCalculationReason = newRisk.reason;
const allowOverride = this.kycForm.get('allowRiskOverride')?.value;
const riskControl = this.kycForm.get('riskCategory');
if (!allowOverride && riskControl && riskControl.value !== newRisk.category) {
riskControl.setValue(newRisk.category);
riskControl.markAsDirty();
}
} else {
this.riskCalculationReason = '';
}
}
if (changes['constitutionMeta'] && this.isNonIndividual) {
this.updateDocTypesForConstitution();
}
if (changes['isMinor']) {
// Legal form toggled on an already-initialized instance (route-reuse keeps this
// component alive across create sessions) — the individual OVD list and the entity RBI
// doc list are mutually exclusive, so re-seed from scratch rather than filtering in place.
if (changes['isNonIndividual'] && !changes['isNonIndividual'].firstChange && !this.kycTemplateLoaded) {
this.kycDocumentTypes = [];
this.selectedKycDoc = null;
this.kycForm.get('kycDocumentName')?.setValue('');
this.seedDefaultDocTypes();
if (this.isNonIndividual && this.constitutionMeta) {
this.updateDocTypesForConstitution();
}
}
if (changes['isMinor'] && !this.isNonIndividual) {
if (this.isMinor) {
this.kycForm.get('hasPan')?.setValue(false);
this.kycForm.get('panNumber')?.setValue('');
@@ -797,6 +869,7 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
kycDocExpiryDate: parseDate(data.kycDocExpiryDate),
// Risk & Remarks
riskCategory: data.riskCategory || 1,
allowRiskOverride: this.calculatedRisk ? this.calculatedRisk.category !== (data.riskCategory || 1) : false,
remarks: data.remarks || '',
hasPan: !!data.panNumber,
// AML & Compliance
@@ -1015,13 +1088,11 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
error: () => {
// Fallback to defaults if template API unavailable
this.kycTemplateLoaded = true;
this.kycDocumentTypes = this.filterDocTypesForMinor(
this.defaultDocumentTypes.map((d) => ({
name: d.name,
code: d.code,
mandatory: false
}))
);
this.kycDocumentTypes = this.getDefaultDocTypes().map((d) => ({
name: d.name,
code: d.code,
mandatory: false
}));
this.rebuildKycDocPicker();
}
});
@@ -1664,7 +1735,7 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
}
get kycData(): any {
const formVal = this.readOnly ? this.kycForm.getRawValue() : this.kycForm.value;
const formVal = this.kycForm.getRawValue();
const aadhaarRaw = formVal.aadhaarNumber || '';
const aadhaarMasked = aadhaarRaw.length === 12 ? 'XXXXXXXX' + aadhaarRaw.slice(-4) : null;
const dateFormat = this.settingsService.dateFormat;