Merge remote-tracking branch 'origin/demo' into demo

src/app/clients/client-stepper/client-family-members-step/client-family-member-child-dialog/client-family-member-child-dialog.component.html

@@ -0,0 +1,98 @@
+<!--
+  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/.
+-->
+
+<div class="fm-dialog">
+  <div class="fm-dialog__header" style="display: flex; align-items: center; gap: 8px;">
+    <mat-icon class="fm-dialog__icon">people</mat-icon>
+    <span style="font-weight: 500; font-size: 18px;">CHILDREN</span>
+  </div>
+
+  <mat-dialog-content>
+    <form [formGroup]="childrenForm">
+      <div formArrayName="children" style="margin-top: 12px; background: #fff; padding: 12px;">
+        @for (child of children.controls; track $index) {
+        <div [formGroupName]="$index"
+          style="position: relative; padding: 24px 16px 16px; margin-top: 16px; margin-bottom: 24px; border: 1px solid #e0e0e0; border-radius: 8px; background: #fff;">
+          <div class="fm-grid">
+            <mat-form-field appearance="outline">
+              <mat-label>Child Full Name*</mat-label>
+              <input matInput formControlName="fullName" required placeholder="Child Full Name*" />
+            </mat-form-field>
+            <mat-form-field appearance="outline">
+              <mat-label>Gender*</mat-label>
+              <mat-select formControlName="genderId" required>
+                @for (g of genderIdOptions; track g.id) {
+                <mat-option [value]="g.id">{{ g.name }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+            <mat-form-field appearance="outline" (click)="childDobPicker.open()">
+              <mat-label>Date of Birth</mat-label>
+              <input matInput [max]="maxDate" [matDatepicker]="childDobPicker" formControlName="dateOfBirth" />
+              <mat-datepicker-toggle matSuffix [for]="childDobPicker"></mat-datepicker-toggle>
+              <mat-datepicker #childDobPicker></mat-datepicker>
+            </mat-form-field>
+            <mat-form-field appearance="outline">
+              <mat-label>Nationality</mat-label>
+              <mat-select formControlName="nationality">
+                <mat-option value="INDIAN">Indian</mat-option>
+                <mat-option value="NRI">NRI</mat-option>
+                <mat-option value="FOREIGN_NATIONAL">Foreign National</mat-option>
+                <mat-option value="OTHER">Other</mat-option>
+              </mat-select>
+            </mat-form-field>
+            <mat-form-field appearance="outline">
+              <mat-label>Aadhaar Number (Optional)</mat-label>
+              <input
+                matInput
+                formControlName="aadhaarNumber"
+                maxlength="12"
+                placeholder="12-digit Aadhaar"
+                (keypress)="$event.charCode >= 48 && $event.charCode <= 57 ? true : $event.preventDefault()"
+              />
+            </mat-form-field>
+            <mat-form-field appearance="outline">
+              <mat-label>PAN Number (Optional)</mat-label>
+              <input
+                matInput
+                formControlName="panNumber"
+                maxlength="10"
+                placeholder="ABCDE1234F"
+                style="text-transform: uppercase"
+                (input)="
+                  $any(children.at($index)).get('panNumber')
+                    ?.setValue($any($event.target).value.toUpperCase(), { emitEvent: false })
+                "
+              />
+              @if (
+                $any(children.at($index)).get('panNumber')?.hasError('pattern') && $any(children.at($index)).get('panNumber')?.touched
+              ) {
+                <mat-error>Invalid PAN format</mat-error>
+              }
+            </mat-form-field>
+          </div>
+        </div>
+        @if ($index < children.controls.length - 1) { <div style="border-bottom: 1px dashed #ccc; margin-bottom: 16px;">
+      </div>
+      }
+      }
+      <div style="border-bottom: 1px dashed #ccc; margin-bottom: 16px;"></div>
+      <button mat-stroked-button type="button" color="primary" (click)="addChild()">
+        <mat-icon>add</mat-icon> Add Another Child
+      </button>
+</div>
+</form>
+</mat-dialog-content>
+
+<mat-dialog-actions align="end">
+  <button mat-stroked-button mat-dialog-close type="button">Cancel</button>
+  <button mat-flat-button color="primary" type="button" [disabled]="childrenForm.invalid" (click)="submit()">
+    Add Member
+  </button>
+</mat-dialog-actions>
+</div>

src/app/clients/client-stepper/client-family-members-step/client-family-member-child-dialog/client-family-member-child-dialog.component.ts

@@ -0,0 +1,106 @@
+/**
+ * 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, Inject, OnInit } from '@angular/core';
+import { MAT_DIALOG_DATA, MatDialogRef } from '@angular/material/dialog';
+import { UntypedFormBuilder, UntypedFormGroup, UntypedFormArray, Validators } from '@angular/forms';
+
+import { MatIcon } from '@angular/material/icon';
+import { MatButtonModule } from '@angular/material/button';
+import { MatInputModule } from '@angular/material/input';
+import { MatSelectModule } from '@angular/material/select';
+import { MatDatepickerModule } from '@angular/material/datepicker';
+import { MatDialogModule } from '@angular/material/dialog';
+import { MatTooltipModule } from '@angular/material/tooltip';
+import { ReactiveFormsModule } from '@angular/forms';
+import { CommonModule } from '@angular/common';
+
+@Component({
+  selector: 'cbs-client-family-member-child-dialog',
+  templateUrl: './client-family-member-child-dialog.component.html',
+  styleUrls: ['../client-family-member-dialog/client-family-member-dialog.component.scss'],
+  standalone: true,
+  imports: [
+    CommonModule,
+    ReactiveFormsModule,
+    MatDialogModule,
+    MatIcon,
+    MatButtonModule,
+    MatInputModule,
+    MatSelectModule,
+    MatDatepickerModule,
+    MatTooltipModule
+  ]
+})
+export class ClientFamilyMemberChildDialogComponent implements OnInit {
+
+  childrenForm: UntypedFormGroup;
+  genderIdOptions: any[];
+  maxDate: Date = new Date();
+
+  constructor(
+    public dialogRef: MatDialogRef<ClientFamilyMemberChildDialogComponent>,
+    @Inject(MAT_DIALOG_DATA) public data: any,
+    private formBuilder: UntypedFormBuilder
+  ) {
+    this.genderIdOptions = data.genderIdOptions;
+    
+    this.childrenForm = this.formBuilder.group({
+      children: this.formBuilder.array([])
+    });
+  }
+
+  ngOnInit() {
+    if (this.data.children && this.data.children.length > 0) {
+      this.data.children.forEach((child: any) => {
+        this.children.push(this.formBuilder.group({
+          id: [child.id],
+          fullName: [child.fullName, Validators.required],
+          genderId: [child.genderId, Validators.required],
+          dateOfBirth: [child.dateOfBirth ? new Date(child.dateOfBirth) : ''],
+          nationality: [child.nationality || 'INDIAN'],
+          aadhaarNumber: [child.aadhaarNumber || ''],
+          panNumber: [child.panNumber || '', Validators.pattern(/^[A-Z]{5}[0-9]{4}[A-Z]{1}$/)]
+        }));
+      });
+    } else {
+      this.addChild();
+    }
+  }
+
+  get children(): UntypedFormArray {
+    return this.childrenForm.get('children') as UntypedFormArray;
+  }
+
+  createChildFormGroup(): UntypedFormGroup {
+    return this.formBuilder.group({
+      id: [''],
+      fullName: ['', Validators.required],
+      genderId: ['', Validators.required],
+      dateOfBirth: [''],
+      nationality: ['INDIAN'],
+      aadhaarNumber: [''],
+      panNumber: ['', Validators.pattern(/^[A-Z]{5}[0-9]{4}[A-Z]{1}$/)]
+    });
+  }
+
+  addChild(): void {
+    this.children.push(this.createChildFormGroup());
+  }
+
+  removeChild(index: number): void {
+    this.children.removeAt(index);
+  }
+
+  submit(): void {
+    if (this.childrenForm.valid) {
+      this.dialogRef.close(this.children.value);
+    }
+  }
+
+}

src/app/clients/client-stepper/client-family-members-step/client-family-member-dialog/client-family-member-dialog.component.html

@@ -139,6 +139,21 @@
             <span class="fm-readonly-value">{{ familyMemberForm.get('remarks')?.value }}</span>
           </div>
         }
+        @if (isSpouse && familyMemberForm.get('children')?.value?.length > 0) {
+          <div class="fm-readonly-remarks">
+            <span class="fm-readonly-label">Children</span>
+            <div class="fm-children-list">
+              @for (child of familyMemberForm.get('children')?.value; track $index) {
+                <div class="fm-child-item" style="font-size: 13px; color: #555; margin-top: 4px;">
+                  <span>{{ child.fullName }}</span>
+                  @if (child.dateOfBirth) {
+                    <span> · DOB: {{ child.dateOfBirth | date: 'dd MMM yyyy' }}</span>
+                  }
+                </div>
+              }
+            </div>
+          </div>
+        }
       }
 
       <!-- ═══ ADD / EDIT MODE ═══ -->
@@ -447,6 +462,19 @@
           <mat-label>Remarks</mat-label>
           <textarea matInput formControlName="remarks" rows="2"></textarea>
         </mat-form-field>
+
+        <!-- Children Section -->
+        @if (isSpouse) {
+          <div class="fm-section-label" style="margin-top: 16px;">Children</div>
+          <div class="fm-checkbox-row" style="display: flex; align-items: center; justify-content: space-between;">
+            <mat-checkbox formControlName="hasChildren">Does this family member have a child/children?</mat-checkbox>
+            @if (familyMemberForm.get('hasChildren')?.value) {
+              <button mat-stroked-button type="button" color="primary" (click)="openChildrenDialog()" style="margin-left: 16px;">
+                <mat-icon>edit</mat-icon> Edit Children Details ({{ children.length }})
+              </button>
+            }
+          </div>
+        }
       }
     </form>
   </mat-dialog-content>

src/app/clients/client-stepper/client-family-members-step/client-family-member-dialog/client-family-member-dialog.component.ts

@@ -17,7 +17,7 @@ import {
   MatDialogClose,
   MatDialogContent
 } from '@angular/material/dialog';
-import { UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
+import { UntypedFormGroup, UntypedFormBuilder, UntypedFormArray, Validators } from '@angular/forms';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
 import { ClientsService } from 'app/clients/clients.service';
@@ -58,6 +58,8 @@ export class ClientFamilyMemberDialogComponent implements OnInit {
   private dialog = inject(MatDialog);
 
   maxDate = new Date();
+  
+  hasChildrenChecked = false;
   familyMemberForm: UntypedFormGroup;
 
   /** Client search */
@@ -197,6 +199,23 @@ export class ClientFamilyMemberDialogComponent implements OnInit {
         // Re-fetch linked client details (profile, signature, KYC status)
         this.fetchLinkedClientData(m.linkedClientId.toString());
       }
+      if (m.children && m.children.length > 0) {
+        this.hasChildrenChecked = true;
+        this.familyMemberForm.patchValue({ hasChildren: true });
+        m.children.forEach((child: any) => {
+          this.children.push(
+            this.formBuilder.group({
+              id: [child.id],
+              fullName: [child.fullName, Validators.required],
+              genderId: [child.genderId, Validators.required],
+              dateOfBirth: [child.dateOfBirth ? new Date(child.dateOfBirth) : ''],
+              nationality: [child.nationality || 'INDIAN'],
+              aadhaarNumber: [child.aadhaarNumber || ''],
+              panNumber: [child.panNumber || '', Validators.pattern(/^[A-Z]{5}[0-9]{4}[A-Z]{1}$/)]
+            })
+          );
+        });
+      }
       if (this.isViewMode) {
         this.familyMemberForm.disable();
       }
@@ -225,8 +244,83 @@ export class ClientFamilyMemberDialogComponent implements OnInit {
       isAlive: [true],
       marriageDate: [''],
       marriageAuthority: [''],
-      linkedClientId: ['']
+      linkedClientId: [''],
+      hasChildren: [false],
+      children: this.formBuilder.array([])
     });
+
+    this.familyMemberForm.get('hasChildren')?.valueChanges.subscribe(value => {
+      if (value && !this.hasChildrenChecked) {
+        this.openChildrenDialog();
+      } else if (!value) {
+        this.hasChildrenChecked = false;
+        this.children.clear();
+      }
+    });
+  }
+
+  get children(): UntypedFormArray {
+    return this.familyMemberForm.get('children') as UntypedFormArray;
+  }
+
+  async openChildrenDialog() {
+    // dynamically import the dialog to avoid circular dependency issues if any
+    const { ClientFamilyMemberChildDialogComponent } = await import('../client-family-member-child-dialog/client-family-member-child-dialog.component');
+    
+    const dialogRef = this.dialog.open(ClientFamilyMemberChildDialogComponent, {
+      data: {
+        children: this.children.value,
+        genderIdOptions: this.data.options.genderIdOptions
+      },
+      width: '500px'
+    });
+
+    dialogRef.afterClosed().subscribe((result: any[]) => {
+      if (result) {
+        this.children.clear();
+        result.forEach(child => {
+          this.children.push(this.formBuilder.group({
+            id: [child.id],
+            fullName: [child.fullName, Validators.required],
+            genderId: [child.genderId, Validators.required],
+            dateOfBirth: [child.dateOfBirth],
+            nationality: [child.nationality || 'INDIAN'],
+            aadhaarNumber: [child.aadhaarNumber || ''],
+            panNumber: [child.panNumber || '', Validators.pattern(/^[A-Z]{5}[0-9]{4}[A-Z]{1}$/)]
+          }));
+        });
+        this.hasChildrenChecked = true;
+        this.familyMemberForm.patchValue({ hasChildren: true }, { emitEvent: false });
+      } else {
+        if (this.children.length === 0) {
+          this.hasChildrenChecked = false;
+          this.familyMemberForm.patchValue({ hasChildren: false }, { emitEvent: false });
+        }
+      }
+    });
+  }
+
+  createChildFormGroup(): UntypedFormGroup {
+    return this.formBuilder.group({
+      id: [''],
+      fullName: ['', Validators.required],
+      genderId: ['', Validators.required],
+      dateOfBirth: [''],
+      nationality: ['INDIAN'],
+      aadhaarNumber: [''],
+      panNumber: ['', Validators.pattern(/^[A-Z]{5}[0-9]{4}[A-Z]{1}$/)]
+    });
+  }
+
+  addChild(): void {
+    this.children.push(this.createChildFormGroup());
+  }
+
+  removeChild(index: number): void {
+    this.children.removeAt(index);
+    if (this.children.length === 0) {
+      this.familyMemberForm.patchValue({ hasChildren: false });
+    }
   }
 
   /** Handle marriage certificate file selection */
@@ -481,6 +575,25 @@ export class ClientFamilyMemberDialogComponent implements OnInit {
       member._linkedClient = this.selectedClient;
     }
 
+    // Format children dates
+    if (this.isSpouse && member.children && member.children.length > 0) {
+      member.children = member.children.map((child: any) => {
+        const c = { ...child };
+        if (c.dateOfBirth instanceof Date) {
+          c.dateOfBirth = this.dateUtils.formatDate(c.dateOfBirth, dateFormat);
+        } else if (!c.dateOfBirth) {
+          delete c.dateOfBirth;
+        }
+        if (c.panNumber) {
+          c.panNumber = c.panNumber.toUpperCase();
+        }
+        return c;
+      });
+    } else {
+      delete member.children;
+    }
+    delete member.hasChildren;
+
     // Attach marriage certificate file if present
     if (this.marriageCertFile) {
       member._marriageCertFile = this.marriageCertFile;

src/app/clients/client-stepper/client-general-step/client-general-step.component.ts

@@ -533,8 +533,6 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
   screeningLogId: number | null = null;
   /** Snapshot of the name that was last verified — used to invalidate verification when name changes */
   private verifiedName: string = '';
-  /** True while prefillForEdit() is patching historical monthly/annual values — see linkMonthlyAnnual(). */
-  private suppressMonthlyAnnualLink = false;
 
   /**
    * @param {FormBuilder} formBuilder Form Builder
@@ -711,12 +709,6 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     const data = this.clientData;
     this.loadExistingSeniorPwdDocuments();
 
-    // Loading an existing client's independently-saved monthly/annual values must not run
-    // through the auto-calc in linkMonthlyAnnual() — patching monthlyIncome then annualIncome
-    // (or vice versa) would otherwise have each overwrite the other via its valueChanges,
-    // instead of keeping the exact historical values as saved.
-    this.suppressMonthlyAnnualLink = true;
-
     // Patch all base controls that exist on the form
     this.createClientForm.patchValue({
       officeId: data.officeId,
@@ -751,7 +743,6 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
         ? new Date(data.timeline.submittedOnDate)
         : this.settingsService.businessDate
     });
-    this.suppressMonthlyAnnualLink = false;
 
     // Patch name fields (already created by buildDependencies via legalFormId subscription)
     const legalFormId = data.legalForm?.id || LegalFormId.PERSON;
@@ -966,6 +957,7 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
 
     this.linkMonthlyAnnual('monthlyIncome', 'annualIncome');
     this.linkMonthlyAnnual('monthlyTurnover', 'annualTurnover');
+    this.linkIncomeToTurnover();
   }
 
   /**
@@ -1002,6 +994,37 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
     });
   }
 
+  /**
+   * Auto-calculates turnover based on income (doubling monthly income for monthly turnover,
+   * and annual income for annual/yearly turnover).
+   */
+  private linkIncomeToTurnover(): void {
+    const monthlyIncome = this.createClientForm.get('monthlyIncome');
+    const monthlyTurnover = this.createClientForm.get('monthlyTurnover');
+    const annualIncome = this.createClientForm.get('annualIncome');
+    const annualTurnover = this.createClientForm.get('annualTurnover');
+
+    if (monthlyIncome && monthlyTurnover) {
+      monthlyIncome.valueChanges.subscribe((value) => {
+        if (this.suppressMonthlyAnnualLink) {
+          return;
+        }
+        const num = parseFloat(value);
+        monthlyTurnover.setValue(!isNaN(num) && num >= 0 ? this.round2(num * 2) : '', { emitEvent: true });
+      });
+    }
+
+    if (annualIncome && annualTurnover) {
+      annualIncome.valueChanges.subscribe((value) => {
+        if (this.suppressMonthlyAnnualLink) {
+          return;
+        }
+        const num = parseFloat(value);
+        annualTurnover.setValue(!isNaN(num) && num >= 0 ? this.round2(num * 2) : '', { emitEvent: true });
+      });
+    }
+  }
+
   /**
    * Sets select dropdown options.
    */
@@ -2236,26 +2259,26 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
         }
 
         // Match monthly income ranges
-        if (rule.minMonthlyIncome != null && rule.minMonthlyIncome > 0 && monthlyIncome < rule.minMonthlyIncome) {
+        if (rule.minMonthlyIncome != null && monthlyIncome < rule.minMonthlyIncome) {
           continue;
         }
-        if (rule.maxMonthlyIncome != null && rule.maxMonthlyIncome > 0 && monthlyIncome > rule.maxMonthlyIncome) {
+        if (rule.maxMonthlyIncome != null && monthlyIncome > rule.maxMonthlyIncome) {
           continue;
         }
 
         // Match annual income ranges (evaluated against totalAnnualIncome)
-        if (rule.minAnnualIncome != null && rule.minAnnualIncome > 0 && totalAnnualIncome < rule.minAnnualIncome) {
+        if (rule.minAnnualIncome != null && totalAnnualIncome < rule.minAnnualIncome) {
           continue;
         }
-        if (rule.maxAnnualIncome != null && rule.maxAnnualIncome > 0 && totalAnnualIncome > rule.maxAnnualIncome) {
+        if (rule.maxAnnualIncome != null && totalAnnualIncome > rule.maxAnnualIncome) {
           continue;
         }
 
         // Match turnover ranges
-        if (rule.minAnnualTurnover != null && rule.minAnnualTurnover > 0 && annualTurnover < rule.minAnnualTurnover) {
+        if (rule.minAnnualTurnover != null && annualTurnover < rule.minAnnualTurnover) {
           continue;
         }
-        if (rule.maxAnnualTurnover != null && rule.maxAnnualTurnover > 0 && annualTurnover > rule.maxAnnualTurnover) {
+        if (rule.maxAnnualTurnover != null && annualTurnover > rule.maxAnnualTurnover) {
           continue;
         }
 

src/app/clients/client-stepper/client-kyc-step/client-kyc-step.component.html

@@ -723,6 +723,33 @@
         <span>PAN verification requires client to be created first. Complete General tab and click Next to save.</span>
       </div>
     }
+
+    <!-- KYC Exception Flag -->
+    <div class="exception-flag-box" style="margin-top: 20px; padding: 16px; border: 1px solid #f59e0b; background: #fffbeb; border-radius: 8px; clear: both;">
+      <h5 style="margin: 0 0 12px 0; font-size: 14px; font-weight: 600; color: #b45309; display: flex; align-items: center; gap: 8px;">
+        <fa-icon icon="exclamation-triangle"></fa-icon>
+        KYC Exception Flag
+      </h5>
+      <div style="display: flex; align-items: center; gap: 20px; flex-wrap: wrap;">
+        <mat-checkbox formControlName="isException">Mark as KYC Exception</mat-checkbox>
+        
+        @if (kycForm.get('isException')?.value) {
+          <mat-form-field appearance="outline" style="flex: 1; min-width: 280px; margin-bottom: -1.25em;">
+            <mat-label>Exception Reasons</mat-label>
+            <mat-select formControlName="exceptionReason" multiple>
+              @if (!isNonIndividual) {
+                <mat-option value="PAN Card Verification Failed">PAN Card Verification Failed</mat-option>
+                <mat-option value="Aadhaar Verification Failed">Aadhaar Verification Failed</mat-option>
+              } @else {
+                <mat-option value="Enterprise PAN Verification Failed">Enterprise PAN Verification Failed</mat-option>
+                <mat-option value="GSTIN Verification Failed">GSTIN Verification Failed</mat-option>
+                <mat-option value="CIN Verification Failed">CIN Verification Failed</mat-option>
+              }
+            </mat-select>
+          </mat-form-field>
+        }
+      </div>
+    </div>
   </div>
 
   <!-- ═══ SECTION: KYC Document Management ═══ -->
@@ -1410,6 +1437,7 @@
     </div>
   </div>
 
+
   <!-- ═══ SECTION: Photograph & Signature ═══ -->
   <div class="section-block">
     <h4 class="section-title">

src/app/clients/client-stepper/client-kyc-step/client-kyc-step.component.ts

@@ -29,6 +29,7 @@ import { ClientsService } from '../../clients.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
 import { ProofType, normalizeProofType, groupProofsByCategory } from '../../shared/kyc-proof-types';
+import { deriveKycExceptionFields } from '../../kyc-exception.util';
 import { KycUploadHelperService } from '../../shared/kyc-upload-helper.service';
 import { CaptureImageDialogComponent } from '../../clients-view/custom-dialogs/capture-image-dialog/capture-image-dialog.component';
 import { DrawSignatureDialogComponent } from '../../clients-view/custom-dialogs/draw-signature-dialog/draw-signature-dialog.component';
@@ -152,7 +153,8 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
     kycDocumentName: 'KYC Document Type',
     kycDocumentNumber: 'KYC Document Number',
     amlCheckStatus: 'AML Check Status',
-    bannedEntityMatch: 'Banned Entity List Match'
+    bannedEntityMatch: 'Banned Entity List Match',
+    remarks: 'Reason for Re-edit'
   };
 
   /** Names every currently-invalid `kycForm` control (required-but-empty, or an entered value
@@ -274,6 +276,14 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
   riskCalculationReason = '';
   showRiskRulesTable = false;
 
+  /**
+   * Exception state as last read back from the server. Needed to tell "this client never had an
+   * exception" from "this client had one and has now cleared it" — only the latter should be
+   * stamped resolved and surface in the Resolved tab.
+   */
+  persistedIsException = false;
+  persistedExceptionReason: string | null = null;
+
   /** PAN verification */
   panVerifyStatus: 'NONE' | 'VERIFIED' | 'FAILED' = 'NONE';
   panVerifying = false;
@@ -423,8 +433,8 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
     aadhaarNumber: [
       '',
       [
-        Validators.pattern(/^\d{12}$/),
-        Validators.maxLength(12)
+        Validators.pattern(/^(\d{12}|[X•*\s\d]{12,14})$/),
+        Validators.maxLength(14)
       ]
     ],
     panAadhaarSeedingStatus: [''],
@@ -468,6 +478,8 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
     allowRiskOverride: [false],
     allowAmlOverride: [false],
     remarks: [''],
+    isException: [false],
+    exceptionReason: [[]],
     amlCheckStatus: [
       'CLEAR',
       Validators.required
@@ -610,8 +622,12 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
       dormantFlag: 'ACTIVE',
       accountStatus: 'ACTIVE',
       form60Type: 'FORM_60',
-      form15Type: '15G'
+      form15Type: '15G',
+      isException: false,
+      exceptionReason: []
     });
+    this.persistedIsException = false;
+    this.persistedExceptionReason = null;
     this.kycId = '';
     this.kycLoaded = false;
     this.kycStatus = 0;
@@ -942,8 +958,18 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
             form60Date: parseDate(data.form60Date),
             form15Applicable: data.form15Applicable || false,
             form15Type: data.form15Type || '15G',
-            form15FY: data.form15FY || ''
+            form15FY: data.form15FY || '',
+            isException: data.isException || false,
+            exceptionReason: data.exceptionReason ? data.exceptionReason.split(', ') : []
           });
+          // Set remarks as required if KYC is verified
+          if (this.isKycVerified) {
+            this.kycForm.get('remarks')?.setValidators(Validators.required);
+            this.kycForm.get('remarks')?.updateValueAndValidity();
+            this.kycForm.get('remarks')?.markAsTouched(); // Force red underline so user knows it's blocking
+          }
+          this.persistedIsException = data.isException === true;
+          this.persistedExceptionReason = data.exceptionReason || null;
           // Sync chip-picker selection with the prefilled document name
           if (data.kycDocumentName) {
             this.selectedKycDoc = this.kycDocProofs.find((p) => p.name === data.kycDocumentName) || null;
@@ -1843,7 +1869,21 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
       form15Applicable: v.form15Applicable || false,
       form15Type: v.form15Type || null,
       form15FY: v.form15FY || null,
-      remarks: v.remarks || null
+      remarks: v.remarks || null,
+      // Exception state is DERIVED from verification status, not from a checkbox — an unverified
+      // or blank PAN/Aadhaar is an exception by definition, so the officer cannot forget to flag
+      // it. See deriveKycExceptionFields() for the raise / narrow / close rules.
+      ...deriveKycExceptionFields({
+        panVerified: this.isNonIndividual ? this.entPanVerifyStatus === 'VERIFIED' : this.panVerifyStatus === 'VERIFIED',
+        aadhaarVerified: this.aadhaarVerifyStatus === 'VERIFIED',
+        // Non-individual clients submit a dummy masked Aadhaar, so checking it would saddle every
+        // company with a permanent exception.
+        aadhaarApplicable: !this.isNonIndividual,
+        hadException: this.persistedIsException,
+        previousReason: this.persistedExceptionReason,
+        manualReasons: Array.isArray(v.exceptionReason) ? v.exceptionReason : [],
+        todayFormatted: this.dateUtils.formatDate(new Date(), dateFormat)
+      })
     };
   }
 
@@ -1856,7 +1896,8 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
       v.enterprisePan ||
       v.cinNumber ||
       v.kycDocumentName ||
-      v.form15Applicable
+      v.form15Applicable ||
+      v.isException
     );
   }