Revert demo to pre-2026-08-06 state (rollback today's push)

Reverts all commits pushed to demo today (a5124ca3, 858c277a, a1a50ab8,
f72abb09, fcf66657) back to f8c532f7 as a single forward commit, without
rewriting history. All reverted content (Share Withdrawal/Closure feature,
TDS reports, KYC exception tracking, client-edit-email-dialog, form121 tab,
search-select) remains intact on dev and was verified identical before
this revert.

angular.json

@@ -69,8 +69,8 @@
               "budgets": [
                 {
                   "type": "initial",
-                  "maximumWarning": "13mb",
+                  "maximumWarning": "15mb",
-                  "maximumError": "14mb"
+                  "maximumError": "17mb"
                 },
                 {
                   "type": "anyComponentStyle",

src/app/accounting/search-journal-entry/mark-entry-dialog.component.html

@@ -0,0 +1,70 @@
+<!--
+  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/.
+-->
+
+<h2 class="mk-title" [class.mk-title--str]="isEscalation">
+  <fa-icon [icon]="isEscalation ? 'exclamation-triangle' : 'check-circle'"></fa-icon>
+  {{ isEscalation ? 'Mark as Suspicious' : 'Mark as Whitelisted' }}
+</h2>
+
+<mat-dialog-content>
+  <div class="mk-entry">
+    <div>
+      <label>Journal entry</label><span class="mono">#{{ data.journalEntryId }}</span>
+    </div>
+    <div>
+      <label>Transaction</label><span class="mono">{{ data.transactionId }}</span>
+    </div>
+    <div>
+      <label>Date</label><span>{{ data.transactionDate }}</span>
+    </div>
+    <div>
+      <label>Amount</label><span class="mono">&#8377;{{ data.amount | number: '1.2-2' }}</span>
+    </div>
+    <div class="wide">
+      <label>GL account</label><span>{{ data.glAccountName }}</span>
+    </div>
+  </div>
+
+  @if (isEscalation) {
+    <p class="mk-warn">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      This raises an AML alert against the customer behind this entry and escalates it. An STR case opens for the
+      Principal Officer with the seven working day FIU-IND clock running. It cannot be undone from this screen.
+    </p>
+  } @else {
+    <p class="mk-note">
+      Records the entry as reviewed and cleared. No report is filed and the customer's risk rating is untouched.
+    </p>
+  }
+
+  <label class="mk-field">
+    <span>Reviewer notes {{ isEscalation ? '(required)' : '(optional)' }}</span>
+    <textarea
+      rows="4"
+      [(ngModel)]="notes"
+      [placeholder]="
+        isEscalation
+          ? 'Why is this entry suspicious? What did you check?'
+          : 'What satisfied you that this entry is in order?'
+      "
+    ></textarea>
+  </label>
+</mat-dialog-content>
+
+<mat-dialog-actions class="mk-actions">
+  <button class="mk-btn" (click)="dialogRef.close()">Cancel</button>
+  <button
+    class="mk-btn"
+    [class.mk-btn--str]="isEscalation"
+    [class.mk-btn--ok]="!isEscalation"
+    [disabled]="!canSubmit"
+    (click)="confirm()"
+  >
+    {{ isEscalation ? 'Escalate to STR' : 'Whitelist entry' }}
+  </button>
+</mat-dialog-actions>

src/app/accounting/search-journal-entry/mark-entry-dialog.component.scss

@@ -0,0 +1,165 @@
+/**
+ * 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/.
+ */
+
+:host {
+  --mk-g100: #f1f5f9;
+  --mk-g200: #e2e8f0;
+  --mk-g300: #cbd5e1;
+  --mk-g500: #64748b;
+  --mk-g700: #334155;
+  --mk-g900: #0f172a;
+  --mk-green: #15803d;
+  --mk-red: #c0392b;
+  --mk-amber-l: #fef3c7;
+
+  display: block;
+  font-family: 'DM Sans', system-ui, sans-serif;
+  color: var(--mk-g900);
+  min-width: 460px;
+}
+
+.mk-title {
+  display: flex;
+  align-items: center;
+  gap: 9px;
+  margin: 0;
+  padding: 18px 22px 10px;
+  font-size: 16px;
+  font-weight: 700;
+  color: var(--mk-green);
+
+  &--str {
+    color: var(--mk-red);
+  }
+}
+
+.mk-entry {
+  display: grid;
+  grid-template-columns: 1fr 1fr;
+  gap: 8px 18px;
+  padding: 11px 14px;
+  background: #fff;
+  border: 1px solid var(--mk-g200);
+  border-radius: 8px;
+  margin-bottom: 12px;
+
+  > div {
+    display: flex;
+    flex-direction: column;
+  }
+
+  .wide {
+    grid-column: span 2;
+  }
+
+  label {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--mk-g500);
+  }
+
+  span {
+    font-size: 12.5px;
+  }
+}
+
+.mk-warn {
+  display: flex;
+  align-items: baseline;
+  gap: 8px;
+  font-size: 12px;
+  color: #78350f;
+  background: var(--mk-amber-l);
+  border-radius: 7px;
+  padding: 9px 12px;
+  margin: 0 0 12px;
+}
+
+.mk-note {
+  font-size: 12px;
+  color: var(--mk-g500);
+  margin: 0 0 12px;
+}
+
+.mk-field {
+  display: flex;
+  flex-direction: column;
+  gap: 4px;
+
+  span {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--mk-g500);
+  }
+
+  textarea {
+    padding: 9px 11px;
+    border: 1px solid var(--mk-g300);
+    border-radius: 7px;
+    font-size: 13px;
+    font-family: inherit;
+    resize: vertical;
+
+    &:focus {
+      outline: none;
+      border-color: var(--mk-g700);
+    }
+  }
+}
+
+.mk-actions {
+  display: flex;
+  justify-content: flex-end;
+  gap: 9px;
+  padding: 8px 22px 18px;
+}
+
+.mk-btn {
+  padding: 8px 16px;
+  border: 1px solid var(--mk-g300);
+  background: #fff;
+  border-radius: 8px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--mk-g700);
+  cursor: pointer;
+  font-family: inherit;
+
+  &:hover:not(:disabled) {
+    background: var(--mk-g100);
+  }
+
+  &:disabled {
+    opacity: 0.5;
+    cursor: not-allowed;
+  }
+
+  &--ok {
+    background: var(--mk-green);
+    border-color: var(--mk-green);
+    color: #fff;
+
+    &:hover:not(:disabled) {
+      background: #12692f;
+    }
+  }
+
+  &--str {
+    background: var(--mk-red);
+    border-color: var(--mk-red);
+    color: #fff;
+
+    &:hover:not(:disabled) {
+      background: #a5301f;
+    }
+  }
+}

src/app/accounting/search-journal-entry/mark-entry-dialog.component.ts

@@ -0,0 +1,63 @@
+/**
+ * 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/.
+ */
+
+/** Angular Imports */
+import { Component, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { MatDialogRef, MAT_DIALOG_DATA, MatDialogContent, MatDialogActions } from '@angular/material/dialog';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+
+export interface MarkEntryDialogData {
+  disposition: 'WHITELIST' | 'ESCALATE';
+  journalEntryId: number;
+  transactionId: string;
+  amount: number;
+  glAccountName: string;
+  transactionDate: string;
+}
+
+/**
+ * Captures the reviewer's reason before a ledger entry is marked.
+ *
+ * Notes are not optional on an escalation: the Principal Officer picks the case up
+ * with nothing else to go on, and an STR filed on an unexplained referral is not
+ * defensible. A whitelist may be recorded without them.
+ */
+@Component({
+  selector: 'mifosx-mark-entry-dialog',
+  templateUrl: './mark-entry-dialog.component.html',
+  styleUrls: ['./mark-entry-dialog.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule,
+    FaIconComponent,
+    MatDialogContent,
+    MatDialogActions
+  ]
+})
+export class MarkEntryDialogComponent {
+  dialogRef = inject<MatDialogRef<MarkEntryDialogComponent>>(MatDialogRef);
+  data = inject<MarkEntryDialogData>(MAT_DIALOG_DATA);
+
+  notes = '';
+
+  get isEscalation(): boolean {
+    return this.data.disposition === 'ESCALATE';
+  }
+
+  get canSubmit(): boolean {
+    return !this.isEscalation || this.notes.trim().length > 0;
+  }
+
+  confirm(): void {
+    if (this.canSubmit) {
+      this.dialogRef.close(this.notes.trim());
+    }
+  }
+}

src/app/accounting/search-journal-entry/search-journal-entry.component.html

@@ -535,6 +535,14 @@
     </div>
   </div>
 
+  @if (markError) {
+    <div class="gl-mark-error">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <span>{{ markError }}</span>
+      <button class="gl-mark-error__close" (click)="markError = ''">&times;</button>
+    </div>
+  }
+
   <div class="gl-table-shell">
     <mat-table [dataSource]="dataSource" matSort class="gl-mat-table">
       <!-- #ID -->
@@ -692,6 +700,50 @@
         </mat-cell>
       </ng-container>
 
+      <!-- AML review — whitelist or refer the entry to STR -->
+      <ng-container matColumnDef="amlMark">
+        <mat-header-cell *matHeaderCellDef class="gl-th">AML Review</mat-header-cell>
+        <mat-cell *matCellDef="let e" class="gl-td">
+          @if (markOf(e); as mark) {
+            <span
+              class="gl-mark"
+              [class.gl-mark--str]="mark.disposition === 'ESCALATE'"
+              [matTooltip]="
+                (mark.disposition === 'ESCALATE'
+                  ? 'Escalated to STR' + (mark.strCaseId ? ' — case #' + mark.strCaseId : '')
+                  : 'Whitelisted') +
+                (mark.reviewedBy ? ' by ' + mark.reviewedBy : '') +
+                (mark.notes ? ' — ' + mark.notes : '')
+              "
+            >
+              <fa-icon [icon]="mark.disposition === 'ESCALATE' ? 'exclamation-triangle' : 'check-circle'"></fa-icon>
+              {{ mark.disposition === 'ESCALATE' ? 'Suspicious' : 'Whitelisted' }}
+            </span>
+          } @else if (isMarking(e)) {
+            <span class="gl-mark gl-mark--busy">Saving…</span>
+          } @else if (canMark(e)) {
+            <span class="gl-mark-actions">
+              <button
+                class="gl-mark-btn gl-mark-btn--ok"
+                matTooltip="Reviewed and in order — clear this entry"
+                (click)="openMarkDialog(e, 'WHITELIST')"
+              >
+                <fa-icon icon="check-circle"></fa-icon> Whitelist
+              </button>
+              <button
+                class="gl-mark-btn gl-mark-btn--str"
+                matTooltip="Refer to the Principal Officer as an STR case"
+                (click)="openMarkDialog(e, 'ESCALATE')"
+              >
+                <fa-icon icon="exclamation-triangle"></fa-icon> Suspicious
+              </button>
+            </span>
+          } @else {
+            <span class="gl-mark gl-mark--na" [matTooltip]="markBlockedReason(e)">—</span>
+          }
+        </mat-cell>
+      </ng-container>
+
       <!-- Actions -->
       <ng-container matColumnDef="actions">
         <mat-header-cell *matHeaderCellDef class="gl-th"></mat-header-cell>

src/app/accounting/search-journal-entry/search-journal-entry.component.scss

@@ -1328,6 +1328,17 @@
     flex: 0 0 130px;
   }
 
+  // Wide enough to hold both action buttons on one line. Every other column
+  // declares a width; without one this collapsed and clipped its contents.
+  ::ng-deep .mat-column-amlMark {
+    width: 184px;
+    min-width: 184px;
+    flex: 0 0 184px;
+    // Keeps the "AML REVIEW" heading on one line instead of clipping it.
+    white-space: nowrap;
+    overflow: visible;
+  }
+
   ::ng-deep .mat-column-actions {
     width: 50px;
     min-width: 50px;
@@ -1556,6 +1567,112 @@
   }
 }
 
+// ── AML review column ─────────────────────────────────────────────────────────
+// Never wrap — a wrapped second button used to be clipped by the row height.
+.gl-mark-actions {
+  display: flex;
+  align-items: center;
+  gap: 5px;
+  flex-wrap: nowrap;
+  width: 100%;
+}
+
+.gl-mark-btn {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  gap: 4px;
+  padding: 4px 8px;
+  border: 1px solid var(--c-border);
+  background: var(--c-surface);
+  border-radius: 6px;
+  font-size: 0.62rem;
+  font-weight: 700;
+  line-height: 1.2;
+  color: var(--c-text-2);
+  cursor: pointer;
+  font-family: inherit;
+  white-space: nowrap;
+  flex: 1 1 auto;
+  transition: all var(--transition);
+
+  // Tinted at rest, not only on hover — these have to be findable in a dense
+  // table without the reviewer hunting for them.
+  &--ok {
+    border-color: rgb(16 185 129 / 45%);
+    background: var(--c-cr-bg);
+    color: #047857;
+
+    &:hover {
+      border-color: var(--c-cr);
+      background: #d1fae5;
+    }
+  }
+
+  &--str {
+    border-color: rgb(239 68 68 / 45%);
+    background: var(--c-dr-bg);
+    color: #b91c1c;
+
+    &:hover {
+      border-color: var(--c-dr);
+      background: #fee2e2;
+    }
+  }
+}
+
+.gl-mark {
+  display: inline-flex;
+  align-items: center;
+  gap: 5px;
+  padding: 2px 9px;
+  border-radius: 999px;
+  font-size: 0.62rem;
+  font-weight: 700;
+  white-space: nowrap;
+  background: var(--c-cr-bg);
+  color: #047857;
+
+  &--str {
+    background: var(--c-dr-bg);
+    color: #b91c1c;
+  }
+
+  &--busy {
+    background: #f1f5f9;
+    color: var(--c-text-3);
+  }
+
+  &--na {
+    background: transparent;
+    color: var(--c-text-3);
+    cursor: help;
+  }
+}
+
+.gl-mark-error {
+  display: flex;
+  align-items: center;
+  gap: 9px;
+  margin: 0 0 10px;
+  padding: 9px 14px;
+  border: 1px solid #fecaca;
+  background: var(--c-dr-bg);
+  border-radius: 8px;
+  font-size: 0.75rem;
+  color: #b91c1c;
+
+  &__close {
+    margin-left: auto;
+    border: 0;
+    background: transparent;
+    font-size: 1.1rem;
+    line-height: 1;
+    color: inherit;
+    cursor: pointer;
+  }
+}
+
 // ── Empty state ───────────────────────────────────────────────────────────────
 .gl-empty {
   display: flex;

src/app/accounting/search-journal-entry/search-journal-entry.component.ts

@@ -41,9 +41,20 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { MatCardModule } from '@angular/material/card';
 import { MatTooltipModule } from '@angular/material/tooltip';
 import { MatIconModule } from '@angular/material/icon';
+import { MatDialog } from '@angular/material/dialog';
+import { AmlService } from 'app/aml/aml.service';
+import { MarkEntryDialogComponent, MarkEntryDialogData } from './mark-entry-dialog.component';
 
 const STATE_KEY = 'gl_ledger_filter_state';
 
+/** How a ledger entry has been marked by a reviewer, keyed on journal entry id. */
+interface EntryMark {
+  disposition: 'WHITELIST' | 'ESCALATE';
+  strCaseId: number | null;
+  reviewedBy: string;
+  notes: string;
+}
+
 @Component({
   selector: 'mifosx-search-journal-entry',
   standalone: true,
@@ -87,6 +98,8 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
   private settingsService = inject(SettingsService);
   private dateUtils = inject(Dates);
   private route = inject(ActivatedRoute);
+  private amlService = inject(AmlService);
+  private dialog = inject(MatDialog);
 
   // ── Misc ──────────────────────────────────────────────────────────────────
   minDate = new Date(2000, 0, 1);
@@ -129,6 +142,7 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
     'manualEntry',
     'createdByUserName',
     'submittedOnDate',
+    'amlMark',
     'actions'
   ];
   dayWiseColumns = [
@@ -157,6 +171,14 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
   dayWiseData: any[] = [];
   glAccountInfo: any = null;
 
+  // ── AML marking ───────────────────────────────────────────────────────────
+
+  /** Marks already recorded, by journal entry id. */
+  private marks = new Map<number, EntryMark>();
+  /** Entry ids with a request in flight, so a row cannot be double-submitted. */
+  private marking = new Set<number>();
+  markError = '';
+
   // ── UI state ──────────────────────────────────────────────────────────────
   activeQuickFilter = '';
   activeFiltersCount = 0;
@@ -212,6 +234,103 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
     this.setFilteredOffices();
     this.getJournalEntries();
     this.loadLedgerSummary();
+    this.loadMarks();
+  }
+
+  // ── AML marking ───────────────────────────────────────────────────────────
+
+  /**
+   * Marks are loaded once for the whole ledger rather than per page, because the
+   * user pages and re-filters constantly and the set is small — only entries a
+   * reviewer has actually touched.
+   */
+  private loadMarks(): void {
+    this.amlService.getManualReferrals().subscribe({
+      next: (rows) => {
+        this.marks = new Map(
+          (rows || []).map((r: any) => [
+            r.journalEntryId,
+            {
+              disposition: r.disposition === 'ESCALATE' ? 'ESCALATE' : 'WHITELIST',
+              strCaseId: r.strCaseId ?? null,
+              reviewedBy: r.reviewedByUsername || '',
+              notes: r.reviewNotes || ''
+            } as EntryMark
+          ])
+        );
+      },
+      // A ledger that cannot reach the AML service still has to render.
+      error: () => (this.marks = new Map())
+    });
+  }
+
+  markOf(entry: any): EntryMark | null {
+    return this.marks.get(entry?.id) ?? null;
+  }
+
+  isMarking(entry: any): boolean {
+    return this.marking.has(entry?.id);
+  }
+
+  /**
+   * An alert needs a customer, and a journal entry only reaches one through the
+   * savings, loan or client transaction that produced it. A purely manual GL
+   * posting reaches none, so it cannot be referred — the server enforces this too.
+   */
+  canMark(entry: any): boolean {
+    return !!entry && !this.markOf(entry) && !!(entry.savingsAccountNo || entry.entityId);
+  }
+
+  markBlockedReason(entry: any): string {
+    if (this.markOf(entry)) {
+      return 'Already reviewed — a ledger entry is marked once';
+    }
+    return 'No customer behind this entry, so it cannot be referred';
+  }
+
+  openMarkDialog(entry: any, disposition: 'WHITELIST' | 'ESCALATE'): void {
+    if (!this.canMark(entry) || this.isMarking(entry)) {
+      return;
+    }
+    const data: MarkEntryDialogData = {
+      disposition,
+      journalEntryId: entry.id,
+      transactionId: entry.transactionId,
+      amount: entry.amount,
+      glAccountName: `${entry.glAccountCode} — ${entry.glAccountName}`,
+      transactionDate: this.dateUtils.formatDate(entry.transactionDate, this.settingsService.dateFormat)
+    };
+
+    this.dialog
+      .open(MarkEntryDialogComponent, { data, width: '520px', autoFocus: false })
+      .afterClosed()
+      .subscribe((notes: string | undefined) => {
+        if (notes !== undefined) {
+          this.submitMark(entry, disposition, notes);
+        }
+      });
+  }
+
+  private submitMark(entry: any, disposition: 'WHITELIST' | 'ESCALATE', notes: string): void {
+    this.markError = '';
+    this.marking.add(entry.id);
+
+    this.amlService.referJournalEntry(entry.id, disposition, notes).subscribe({
+      next: (res: any) => {
+        this.marking.delete(entry.id);
+        this.marks.set(entry.id, {
+          disposition,
+          strCaseId: res?.strCaseId ?? null,
+          reviewedBy: res?.reviewedByUsername || '',
+          notes
+        });
+      },
+      error: (err: any) => {
+        this.marking.delete(entry.id);
+        this.markError =
+          err?.error?.defaultUserMessage || err?.error?.errors?.[0]?.defaultUserMessage || 'Could not mark this entry.';
+      }
+    });
   }
 
   ngOnDestroy() {

src/app/aml/aml.service.ts

@@ -34,6 +34,28 @@ export class AmlService {
     return this.http.post(`/aml/alerts/${alertId}/review`, { disposition, notes });
   }
 
+  // ═══ Manual referrals from the general ledger ═══
+
+  /**
+   * Ledger entries a user has already marked, keyed on `journalEntryId`.
+   *
+   * Separate from `getAlerts()` because these are not engine alerts — they carry the
+   * journal entry id rather than a savings or loan transaction id, so the ledger
+   * screen can match them to the rows it is showing.
+   */
+  getManualReferrals(): Observable<any[]> {
+    return this.http.get<any[]>('/aml/alerts/manual-referrals');
+  }
+
+  /**
+   * Marks a ledger entry. WHITELIST clears it with no report; ESCALATE opens an STR
+   * case for the Principal Officer, the same road an escalated engine alert takes.
+   * The entry must have a customer behind it or the server rejects it.
+   */
+  referJournalEntry(journalEntryId: number, disposition: 'WHITELIST' | 'ESCALATE', notes: string): Observable<any> {
+    return this.http.post('/aml/alerts/manual-referral', { journalEntryId, disposition, notes });
+  }
+
   // ═══ STR cases (Principal Officer) ═══
 
   getStrCases(): Observable<any[]> {

src/app/app.module.ts

@@ -68,6 +68,8 @@ import { GlReportsModule } from './gl-reports/gl-reports.module';
 import { SftModule } from './sft/sft.module';
 import { InvestmentModule } from './investment/investment.module';
 import { NpaModule } from './npa/npa.module';
+import { ReconciliationModule } from './reconciliation/reconciliation.module';
+import { LoanOriginationModule } from './loan-origination/loan-origination.module';
 import { DigitalModule } from './digital/digital.module';
 import { LetterMgmtModule } from './letter-mgmt/letter-mgmt.module';
 import { AccountsModule } from './accounts/accounts.module';
@@ -178,6 +180,8 @@ export function HttpLoaderFactory(http: HttpClient) {
     SftModule,
     InvestmentModule,
     NpaModule,
+    ReconciliationModule,
+    LoanOriginationModule,
     DigitalModule,
     LetterMgmtModule,
     AccountsModule,

src/app/cashier/cash-clearing-transfer-summary/cash-clearing-transfer-summary.component.html

@@ -31,6 +31,9 @@
       <button type="button" class="pg-btn" [class.pg-btn--active]="showDetails" (click)="toggleDetails()">
         {{ showDetails ? 'Summary View' : 'Transaction Details' }}
       </button>
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
     </div>
   </header>
 
@@ -209,43 +212,61 @@
                 ? 'Clearing'
                 : 'Digital'
         }}
-        — Transaction Details
+        — Transaction Details (Full Double Entry)
         @if (glFilter !== null) {
           · {{ glFilter }}
         }
       </div>
-      <table class="pg-table">
+      <table class="pg-table cctr-journal">
         <thead>
           <tr>
             <th>Date</th>
             <th>Voucher / Ref No</th>
-            <th>Account No</th>
+            <th>Dr / Cr</th>
-            <th>Account Name / Reference</th>
+            <th>GL / Account</th>
-            <th>Particulars</th>
             <th class="num col-out">Debit</th>
             <th class="num col-in">Credit</th>
+            <th>Status</th>
           </tr>
         </thead>
         <tbody>
           @for (t of filteredTxns; track t.voucherNo) {
-            <tr>
+            <tr class="cctr-journal-row cctr-journal-row--first">
               <td>{{ asOnDate }}</td>
               <td>
                 <span class="pg-chip">{{ display(t.voucherNo) }}</span>
               </td>
-              <td>{{ display(t.accountNo) }}</td>
+              <td><span class="cctr-drcr cctr-drcr--dr">Dr</span></td>
-              <td>{{ t.accountName }}</td>
+              <td>
-              <td>{{ t.particulars }}</td>
-              <td class="num col-out">
                 @if (t.debit > 0) {
-                  ₹{{ t.debit | number: '1.2-2' }}
+                  <span class="pg-chip">{{ t.glCode }}</span> {{ glName(t.glCode) }} — {{ display(t.accountNo) }} ({{
+                    t.accountName
+                  }})
+                } @else {
+                  <span class="cctr-contra">{{ contraLabel(t) }}</span>
                 }
               </td>
-              <td class="num col-in">
+              <td class="num col-out">₹{{ legAmount(t) | number: '1.2-2' }}</td>
+              <td class="num"></td>
+              <td rowspan="2">
+                <span class="cctr-balanced-chip">✓ Balanced</span>
+              </td>
+            </tr>
+            <tr class="cctr-journal-row cctr-journal-row--second">
+              <td></td>
+              <td></td>
+              <td><span class="cctr-drcr cctr-drcr--cr">Cr</span></td>
+              <td>
                 @if (t.credit > 0) {
-                  ₹{{ t.credit | number: '1.2-2' }}
+                  <span class="pg-chip">{{ t.glCode }}</span> {{ glName(t.glCode) }} — {{ display(t.accountNo) }} ({{
+                    t.accountName
+                  }})
+                } @else {
+                  <span class="cctr-contra">{{ contraLabel(t) }}</span>
                 }
               </td>
+              <td class="num"></td>
+              <td class="num col-in">₹{{ legAmount(t) | number: '1.2-2' }}</td>
             </tr>
           } @empty {
             <tr>
@@ -255,9 +276,14 @@
         </tbody>
         <tfoot>
           <tr class="cctr-total-row">
-            <td colspan="5">Total</td>
+            <td colspan="4">Total ({{ filteredTxns.length }} vouchers)</td>
-            <td class="num">₹{{ txnTotal(filteredTxns, 'debit') | number: '1.2-2' }}</td>
+            <td class="num">
-            <td class="num">₹{{ txnTotal(filteredTxns, 'credit') | number: '1.2-2' }}</td>
+              ₹{{ txnTotal(filteredTxns, 'debit') + txnTotal(filteredTxns, 'credit') | number: '1.2-2' }}
+            </td>
+            <td class="num">
+              ₹{{ txnTotal(filteredTxns, 'debit') + txnTotal(filteredTxns, 'credit') | number: '1.2-2' }}
+            </td>
+            <td></td>
           </tr>
         </tfoot>
       </table>

src/app/cashier/cash-clearing-transfer-summary/cash-clearing-transfer-summary.component.scss

@@ -71,3 +71,68 @@
     background: #eff6ff;
   }
 }
+
+// Both journal lines of one voucher share a tint and sit flush against each other (no dotted
+// divider between them) so the pair reads as a single entry; a hairline separates one voucher's
+// pair from the next.
+.cctr-journal-row {
+  &--first td {
+    border-bottom: none;
+    padding-bottom: 4px;
+  }
+
+  &--second td {
+    border-top: none;
+    padding-top: 4px;
+    border-bottom: 1px solid #e2e8f0;
+  }
+
+  &--first,
+  &--second {
+    &:hover td {
+      background: #f8fafc;
+    }
+  }
+}
+
+.cctr-drcr {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  min-width: 28px;
+  padding: 1px 8px;
+  border-radius: 6px;
+  font-size: 11px;
+  font-weight: 800;
+  letter-spacing: 0.03em;
+
+  &--dr {
+    background: #eff6ff;
+    color: #1d4ed8;
+    border: 1px solid #bfdbfe;
+  }
+
+  &--cr {
+    background: #f0fdf4;
+    color: #15803d;
+    border: 1px solid #bbf7d0;
+  }
+}
+
+.cctr-contra {
+  color: #64748b;
+  font-style: italic;
+}
+
+.cctr-balanced-chip {
+  display: inline-flex;
+  align-items: center;
+  padding: 3px 10px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  background: #f0fdf4;
+  color: #15803d;
+  border: 1px solid #bbf7d0;
+  white-space: nowrap;
+}

src/app/cashier/cash-clearing-transfer-summary/cash-clearing-transfer-summary.component.ts

@@ -10,6 +10,7 @@ import { Component, inject } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
+import { ExportSheetSpec, exportWorkbook } from '../cashier-export';
 
 interface SummaryRow {
   code: string;
@@ -70,6 +71,15 @@ export class CashClearingTransferSummaryComponent {
   showDetails = false;
   /** GL/channel filter for the Transaction Details view — null means "All". */
   glFilter: string | null = null;
+  /** True while an Export to Excel workbook is being built — disables the button to prevent double-clicks. */
+  generating = false;
+
+  private readonly tabLabels: Record<TabKey, string> = {
+    cash: 'Cash',
+    transfer: 'Transfer',
+    clearing: 'Clearing',
+    digital: 'Digital'
+  };
 
   /** True when the logged-in user belongs to the Head Office (sees both branches + consolidated view). */
   isHeadOffice = false;
@@ -1481,6 +1491,52 @@ export class CashClearingTransferSummaryComponent {
     return this.activeTab === 'digital' ? row.code : row.name;
   }
 
+  /** GL name for the code tracked on this txn row, so the Transaction Details journal can show
+   *  "which GL" alongside the account, not just a bare code. */
+  glName(code: string): string {
+    return this.rowsForActiveTab.find((r) => r.code === code)?.name || code;
+  }
+
+  /**
+   * Every transaction here is only ever recorded as ONE leg (whichever GL this Cash/Clearing/
+   * Transfer/Digital screen tracks) — the offsetting leg (the customer's own account, a
+   * settlement/clearing-house account, etc.) was never modelled as a separate GL row. Rather
+   * than leaving that side blank, this derives a sensible label for it so the Transaction
+   * Details view can show the FULL double entry (Dr leg + Cr leg, always equal amounts) —
+   * exactly what a real CBS "Day Book"/Journal Register shows, and what makes it possible to
+   * see at a glance that a transaction is complete and ready for reconciliation.
+   *
+   * For internal cash-movement postings (ATM cash-in-transit, currency chest, denomination
+   * shortages, CTS grid rounding) the account name already describes the SAME leg rather than a
+   * distinct counter-party, so those get a purpose-built contra label. Everything else already
+   * has a descriptive counter-party name (customer, vendor, bank branch, government department)
+   * that IS the natural contra account, so it's used as-is — WITHOUT repeating the account/
+   * reference number, since that number is already shown against the tracked GL leg on the
+   * other line; showing it a second time here would make both lines look like the same account,
+   * defeating the point of a "Balanced" two-sided entry.
+   */
+  contraLabel(t: TxnRow): string {
+    const p = t.particulars.toLowerCase();
+    if (p.includes('atm') && (p.includes('vault') || p.includes('loading') || p.includes('surrendered'))) {
+      return 'ATM Cash-in-Transit Account';
+    }
+    if (p.includes('currency chest')) {
+      return 'Currency Chest Account (Sponsor Bank)';
+    }
+    if (p.includes('denomination') || p.includes('shortage adjustment')) {
+      return 'Cash Difference / Shortage Suspense Account';
+    }
+    if (p.includes('cts grid rounding')) {
+      return 'CTS Grid Rounding Suspense Account';
+    }
+    return t.accountName;
+  }
+
+  /** The single non-zero amount on this leg — always what the derived contra leg mirrors. */
+  legAmount(t: TxnRow): number {
+    return t.debit > 0 ? t.debit : t.credit;
+  }
+
   /** Credit total for a GL row — always summed from its own txn lines, never a separate hand-entered number. */
   rowCredit(row: SummaryRow, txns: TxnRow[]): number {
     return txns.filter((t) => t.glCode === row.code).reduce((sum, t) => sum + t.credit, 0);
@@ -1566,4 +1622,181 @@ export class CashClearingTransferSummaryComponent {
       return { code: b.code, name: b.name, opening, credit, debit, closing: opening + credit - debit };
     });
   }
+
+  /**
+   * Exports the full report for the currently viewed scope (own branch, a drilled-into branch,
+   * or "All Branches" consolidated) — every category (Cash/Transfer/Clearing/Digital), not just
+   * the tab on screen, so the workbook is a complete record. "Summary" mirrors the Opening/
+   * Credit/Debit/Closing view; "Transaction Details" mirrors the full double-entry journal view
+   * (same glName/contraLabel/legAmount derivations, so the export can never disagree with what's
+   * on screen); "Branch Breakup" is added only when Head Office is viewing the consolidated view.
+   */
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      const summaryRows: (string | number | null)[][] = [];
+      const journalRows: (string | number | null)[][] = [];
+
+      for (const tab of this.allTabs) {
+        const label = this.tabLabels[tab];
+        const rows = this.effectiveRows(tab);
+        const txns = this.effectiveTxns(tab);
+
+        rows.forEach((r) => {
+          summaryRows.push([
+            label,
+            r.code,
+            r.name,
+            r.opening,
+            this.rowCredit(r, txns),
+            this.rowDebit(r, txns),
+            this.closing(r, txns)
+          ]);
+        });
+        summaryRows.push([
+          `${label} Total`,
+          '',
+          '',
+          this.total(rows, txns, 'opening'),
+          this.total(rows, txns, 'credit'),
+          this.total(rows, txns, 'debit'),
+          this.totalClosing(rows, txns)
+        ]);
+
+        txns.forEach((t) => {
+          const glText = rows.find((r) => r.code === t.glCode)?.name || t.glCode;
+          journalRows.push([
+            label,
+            this.asOnDate,
+            this.display(t.voucherNo),
+            'Dr',
+            t.debit > 0 ? t.glCode : '',
+            t.debit > 0 ? `${glText} — ${this.display(t.accountNo)} (${t.accountName})` : this.contraLabel(t),
+            this.legAmount(t),
+            null,
+            'Balanced'
+          ]);
+          journalRows.push([
+            label,
+            this.asOnDate,
+            this.display(t.voucherNo),
+            'Cr',
+            t.credit > 0 ? t.glCode : '',
+            t.credit > 0 ? `${glText} — ${this.display(t.accountNo)} (${t.accountName})` : this.contraLabel(t),
+            null,
+            this.legAmount(t),
+            'Balanced'
+          ]);
+        });
+      }
+      summaryRows.push([
+        'Grand Total',
+        '',
+        '',
+        this.grandOpening,
+        this.grandCredit,
+        this.grandDebit,
+        this.grandClosing
+      ]);
+
+      const sheets: ExportSheetSpec[] = [
+        {
+          sheetName: 'Summary',
+          title: 'Cash / Clearing / Transfer - Summary Report',
+          subtitle: `Scope: ${this.scopeName}   ·   As On: ${this.asOnDate}`,
+          headers: [
+            'Category',
+            'GL Code',
+            'Particulars',
+            'Opening',
+            'Credit',
+            'Debit',
+            'Closing'
+          ],
+          widths: [
+            12,
+            12,
+            34,
+            16,
+            16,
+            16,
+            16
+          ],
+          rows: summaryRows
+        },
+        {
+          sheetName: 'Transaction Details',
+          title: 'Transaction Details — Full Double Entry',
+          subtitle: `Scope: ${this.scopeName}   ·   As On: ${this.asOnDate}`,
+          headers: [
+            'Category',
+            'Date',
+            'Voucher / Ref No',
+            'Dr / Cr',
+            'GL Code',
+            'GL / Account',
+            'Debit',
+            'Credit',
+            'Status'
+          ],
+          widths: [
+            12,
+            12,
+            20,
+            8,
+            10,
+            46,
+            16,
+            16,
+            12
+          ],
+          rows: journalRows
+        }
+      ];
+
+      if (this.isHeadOffice && this.selectedBranchCode === 'ALL') {
+        sheets.push({
+          sheetName: 'Branch Breakup',
+          title: 'Branch-wise Break-up',
+          subtitle: `As On: ${this.asOnDate}`,
+          headers: [
+            'Branch',
+            'Opening',
+            'Credit',
+            'Debit',
+            'Closing'
+          ],
+          widths: [
+            22,
+            16,
+            16,
+            16,
+            16
+          ],
+          rows: [
+            ...this.branchBreakup.map((b) => [
+              b.name,
+              b.opening,
+              b.credit,
+              b.debit,
+              b.closing
+            ]),
+            [
+              'All Branches',
+              this.grandOpening,
+              this.grandCredit,
+              this.grandDebit,
+              this.grandClosing
+            ]
+          ]
+        });
+      }
+
+      await exportWorkbook(sheets, `Cash-Clearing-Transfer-Summary-${this.scopeName}-${this.asOnDate}`);
+    } catch (err) {
+      console.error('Cash/Clearing/Transfer export failed', err);
+    } finally {
+      this.generating = false;
+    }
+  }
 }

src/app/cashier/cashier-export.ts

@@ -0,0 +1,88 @@
+/**
+ * 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/.
+ */
+
+// Shared "Export to Excel" builder for Cashier reports (mirrors ../investment/investment-export.ts)
+// — centralised so the ExcelJS boilerplate (title/meta/header rows, number formatting, safe sheet
+// names, Blob download) is written once and every cashier report's export behaves the same way.
+
+import * as ExcelJS from 'exceljs';
+
+export interface ExportSheetSpec {
+  /** Worksheet tab name — sanitised for Excel's forbidden characters (\ / ? * [ ]) and length. */
+  sheetName: string;
+  /** Bold title row, merged across all columns. */
+  title: string;
+  /** Optional italic subtitle row (e.g. scope/date), merged across all columns. */
+  subtitle?: string;
+  headers: string[];
+  rows: (string | number | null)[][];
+  widths?: number[];
+}
+
+/** Excel worksheet names can't contain \ / ? * [ ] or exceed 31 chars. */
+function safeSheetName(name: string): string {
+  return name.replace(/[\\/?*[\]]/g, '-').slice(0, 31);
+}
+
+function buildSheet(wb: ExcelJS.Workbook, spec: ExportSheetSpec): void {
+  const sheet = wb.addWorksheet(safeSheetName(spec.sheetName));
+  sheet.columns = (spec.widths || spec.headers.map(() => 18)).map((w) => ({ width: w }));
+
+  const title = sheet.addRow([spec.title]);
+  sheet.mergeCells(title.number, 1, title.number, spec.headers.length);
+  title.font = { bold: true, size: 14, color: { argb: 'FFFFFFFF' } };
+  title.alignment = { horizontal: 'center', vertical: 'middle' };
+  title.height = 24;
+  title.getCell(1).fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FF0F4F3C' } };
+
+  if (spec.subtitle) {
+    const meta = sheet.addRow([spec.subtitle]);
+    sheet.mergeCells(meta.number, 1, meta.number, spec.headers.length);
+    meta.font = { italic: true, size: 10 };
+  }
+  sheet.addRow([]);
+
+  const head = sheet.addRow(spec.headers);
+  head.font = { bold: true };
+  head.alignment = { wrapText: true, horizontal: 'center' };
+  head.eachCell((c) => {
+    c.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FFE2E8F0' } };
+    c.border = { bottom: { style: 'thin' } };
+  });
+
+  for (const r of spec.rows) {
+    const row = sheet.addRow(r);
+    r.forEach((v, idx) => {
+      if (typeof v === 'number') {
+        row.getCell(idx + 1).numFmt = '#,##0.00';
+      }
+    });
+  }
+  sheet.views = [{ state: 'frozen', ySplit: spec.subtitle ? 4 : 3 }];
+}
+
+/** Builds a (possibly multi-sheet) workbook and triggers a browser download. */
+export async function exportWorkbook(sheets: ExportSheetSpec[], fileName: string): Promise<void> {
+  const wb = new ExcelJS.Workbook();
+  wb.creator = 'CBSNexora';
+  wb.created = new Date();
+  sheets.forEach((s) => buildSheet(wb, s));
+
+  const buffer = await wb.xlsx.writeBuffer();
+  const blob = new Blob([buffer], {
+    type: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet'
+  });
+  const url = URL.createObjectURL(blob);
+  const a = document.createElement('a');
+  a.href = url;
+  a.download = `${fileName.replace(/[^\w]+/g, '-')}.xlsx`;
+  document.body.appendChild(a);
+  a.click();
+  document.body.removeChild(a);
+  URL.revokeObjectURL(url);
+}

src/app/core/branch-scope.service.ts

@@ -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/.
+ */
+
+import { Injectable, inject } from '@angular/core';
+import { AuthenticationService } from './authentication/authentication.service';
+import { GL_BRANCHES, GlBranch } from 'app/gl-reports/gl-reports-data';
+
+/**
+ * Resolves what branch data the logged-in user is allowed to see.
+ *
+ * Head Office sees every branch and can drill into any one of them; a branch login is
+ * locked to its own book. Previously this logic was copy-pasted into the Cash/Clearing
+ * Summary and the NPA report with slightly different branch code lists; this service is
+ * the single place it lives so new reports cannot drift.
+ *
+ * The logged-in office is matched to a branch by name, since session credentials carry
+ * only officeId and officeName. Office names are seeded to match the GL branch names
+ * exactly (see Liquibase 0442).
+ */
+@Injectable({ providedIn: 'root' })
+export class BranchScopeService {
+  private auth = inject(AuthenticationService);
+
+  /** Sentinel used when a branch login cannot be matched to a known branch. */
+  static readonly UNRESOLVED = '__unresolved__';
+
+  get isHeadOffice(): boolean {
+    return this.auth.isHeadOfficeUser();
+  }
+
+  /** The office name on the session, for labelling the scope in report headers. */
+  get officeName(): string {
+    return this.auth.getCredentials()?.officeName || 'Branch Office';
+  }
+
+  /**
+   * Branch code the user is confined to, or null for Head Office.
+   *
+   * Deliberately returns the UNRESOLVED sentinel rather than falling back to the first
+   * branch when the office cannot be matched: showing an unrecognised branch someone
+   * else's figures would be worse than showing them nothing.
+   */
+  get ownBranchCode(): string | null {
+    if (this.isHeadOffice) {
+      return null;
+    }
+    const name = this.officeName.toLowerCase().trim();
+    const match = GL_BRANCHES.find((b) => b.code !== 'HO' && name === b.name.toLowerCase());
+    // Fall back to a substring match for offices named e.g. "Andheri (E) Branch".
+    const loose = match ?? GL_BRANCHES.find((b) => b.code !== 'HO' && name.includes(b.name.toLowerCase()));
+    return loose?.code ?? BranchScopeService.UNRESOLVED;
+  }
+
+  /** True when the user may choose which branch to view. */
+  get canSelectBranch(): boolean {
+    return this.isHeadOffice;
+  }
+
+  /** Branches offered in a selector — everything for Head Office, nothing for a branch login. */
+  get selectableBranches(): GlBranch[] {
+    return this.isHeadOffice ? GL_BRANCHES : [];
+  }
+
+  /** Branch code a report should start on. '' means all branches consolidated. */
+  get defaultBranchCode(): string {
+    return this.isHeadOffice ? '' : (this.ownBranchCode ?? '');
+  }
+
+  /**
+   * Forces a requested branch code into what the user is actually allowed to see.
+   * Call this wherever a branch code reaches a data query, so a stale or hand-edited
+   * selection cannot widen the user's scope.
+   */
+  enforce(requested: string): string {
+    return this.isHeadOffice ? requested : (this.ownBranchCode ?? BranchScopeService.UNRESOLVED);
+  }
+
+  /** True when a branch login's office matched no known branch, so it sees no data. */
+  get isUnresolved(): boolean {
+    return this.ownBranchCode === BranchScopeService.UNRESOLVED;
+  }
+
+  /** Human label for the current scope, for report headers. */
+  scopeLabel(selectedCode: string): string {
+    if (!this.isHeadOffice) {
+      return this.officeName;
+    }
+    if (!selectedCode) {
+      return 'All Branches (Consolidated)';
+    }
+    return GL_BRANCHES.find((b) => b.code === selectedCode)?.name ?? selectedCode;
+  }
+}

src/app/core/shell/shell.component.html

@@ -350,6 +350,10 @@
           <fa-icon icon="exclamation-triangle" class="ni-ico"></fa-icon>NPA
           <fa-icon icon="caret-down" class="ni-caret"></fa-icon>
         </a>
+        <a class="ni" tabindex="0" [matMenuTriggerFor]="loanOriginationMenu" *mifosxHasPermission="'MENU_ADVANCES'">
+          <fa-icon icon="clipboard-check" class="ni-ico"></fa-icon>Loan Origination
+          <fa-icon icon="caret-down" class="ni-caret"></fa-icon>
+        </a>
         <a class="ni" tabindex="0" [matMenuTriggerFor]="advancesMenu" *mifosxHasPermission="'MENU_ADVANCES'">
           <fa-icon icon="hand-holding-usd" class="ni-ico"></fa-icon>Advances
           <fa-icon icon="caret-down" class="ni-caret"></fa-icon>
@@ -442,6 +446,10 @@
             <fa-icon icon="exclamation-triangle" class="ni-ico"></fa-icon>NPA
             <fa-icon icon="caret-down" class="ni-caret"></fa-icon>
           </a>
+          <a class="ni" tabindex="0" [matMenuTriggerFor]="loanOriginationMenu" *mifosxHasPermission="'MENU_ADVANCES'">
+            <fa-icon icon="clipboard-check" class="ni-ico"></fa-icon>Loan Origination
+            <fa-icon icon="caret-down" class="ni-caret"></fa-icon>
+          </a>
           <a
             class="ni"
             tabindex="0"
@@ -579,6 +587,13 @@
       <button mat-menu-item [routerLink]="['/reports', 'Accounting']" tabindex="0">
         <i class="fa fa-calculator menu-item-icon"></i> Accounting
       </button>
+      <mat-divider></mat-divider>
+      <button mat-menu-item routerLink="/reports/form-97-98" tabindex="0">
+        <i class="fa fa-file-invoice menu-item-icon"></i> Form 97/98 Transaction Report
+      </button>
+      <button mat-menu-item routerLink="/reports/risk-review" tabindex="0">
+        <i class="fa fa-user-shield menu-item-icon"></i> Risk Review Report
+      </button>
     </mat-menu>
 
     <!-- Admin Mega Menu — 3-column rectangular panel grouping Setup,
@@ -857,20 +872,34 @@
           </div>
           <div class="gl-group">
             <div class="gl-group-title">GL Reports</div>
-            <a class="gl-link" [class.hidden]="!matchesGlSearch('GL Average Balance')" (click)="glMenuOpen = false"
+            <a
-              ><fa-icon icon="calculator" class="gl-icon"></fa-icon> GL Average Balance</a
+              class="gl-link"
+              [class.hidden]="!matchesGlSearch('GL Average Balance')"
+              routerLink="/gl/reports/gl-average-balance"
+              (click)="glMenuOpen = false"
+              ><fa-icon icon="calculator" class="gl-icon" style="color: #b45309"></fa-icon> GL Average Balance</a
             >
-            <a class="gl-link" [class.hidden]="!matchesGlSearch('GL Mapping for Report')" (click)="glMenuOpen = false"
+            <a
-              ><fa-icon icon="project-diagram" class="gl-icon"></fa-icon> GL Mapping for Report</a
+              class="gl-link"
+              [class.hidden]="!matchesGlSearch('GL Mapping for Report')"
+              routerLink="/gl/reports/gl-mapping"
+              (click)="glMenuOpen = false"
+              ><fa-icon icon="project-diagram" class="gl-icon" style="color: #b45309"></fa-icon> GL Mapping for
+              Report</a
             >
             <a
               class="gl-link"
               [class.hidden]="!matchesGlSearch('Account wise Balance List')"
+              routerLink="/gl/reports/account-wise-balance"
               (click)="glMenuOpen = false"
-              ><fa-icon icon="list" class="gl-icon"></fa-icon> Account wise Balance List</a
+              ><fa-icon icon="list" class="gl-icon" style="color: #b45309"></fa-icon> Account wise Balance List</a
             >
-            <a class="gl-link" [class.hidden]="!matchesGlSearch('Distribution of Balance')" (click)="glMenuOpen = false"
+            <a
-              ><fa-icon icon="chart-pie" class="gl-icon"></fa-icon> Distribution of Balance</a
+              class="gl-link"
+              [class.hidden]="!matchesGlSearch('Distribution of Balance')"
+              routerLink="/gl/reports/distribution-of-balance"
+              (click)="glMenuOpen = false"
+              ><fa-icon icon="chart-pie" class="gl-icon" style="color: #b45309"></fa-icon> Distribution of Balance</a
             >
             <a
               class="gl-link"
@@ -886,8 +915,9 @@
             <a
               class="gl-link"
               [class.hidden]="!matchesGlSearch('Client wise Balance Report')"
+              routerLink="/gl/reports/client-wise-balance"
               (click)="glMenuOpen = false"
-              ><fa-icon icon="users" class="gl-icon"></fa-icon> Client wise Balance Report</a
+              ><fa-icon icon="users" class="gl-icon" style="color: #b45309"></fa-icon> Client wise Balance Report</a
             >
             <a
               class="gl-link"
@@ -897,17 +927,29 @@
               ><fa-icon icon="exclamation-circle" class="gl-icon" style="color: #b45309"></fa-icon> Contingent
               Liabilities</a
             >
-            <a class="gl-link" [class.hidden]="!matchesGlSearch('Banker Head Report')" (click)="glMenuOpen = false"
+            <a
-              ><fa-icon icon="university" class="gl-icon"></fa-icon> Banker Head Report</a
+              class="gl-link"
+              [class.hidden]="!matchesGlSearch('Banker Head Report')"
+              routerLink="/gl/reports/banker-head"
+              (click)="glMenuOpen = false"
+              ><fa-icon icon="university" class="gl-icon" style="color: #b45309"></fa-icon> Banker Head Report</a
             >
           </div>
           <div class="gl-group">
             <div class="gl-group-title">Registers</div>
-            <a class="gl-link" [class.hidden]="!matchesGlSearch('Sundry Register')" (click)="glMenuOpen = false"
+            <a
-              ><fa-icon icon="clipboard-list" class="gl-icon"></fa-icon> Sundry Register</a
+              class="gl-link"
+              [class.hidden]="!matchesGlSearch('Sundry Register')"
+              routerLink="/gl/reports/sundry-register"
+              (click)="glMenuOpen = false"
+              ><fa-icon icon="clipboard-list" class="gl-icon" style="color: #b45309"></fa-icon> Sundry Register</a
             >
-            <a class="gl-link" [class.hidden]="!matchesGlSearch('Voucher Register')" (click)="glMenuOpen = false"
+            <a
-              ><fa-icon icon="receipt" class="gl-icon"></fa-icon> Voucher Register</a
+              class="gl-link"
+              [class.hidden]="!matchesGlSearch('Voucher Register')"
+              routerLink="/gl/reports/voucher-register"
+              (click)="glMenuOpen = false"
+              ><fa-icon icon="receipt" class="gl-icon" style="color: #b45309"></fa-icon> Voucher Register</a
             >
             <a
               class="gl-link"
@@ -1240,7 +1282,7 @@
         <div class="deposit-menu-group">
           <div class="deposit-group-title">NPA Reports</div>
           <button mat-menu-item tabindex="0" routerLink="/npa/reports/interest">
-            <fa-icon icon="chart-line" class="menu-item-icon"></fa-icon> NPA Interest
+            <fa-icon icon="chart-line" class="menu-item-icon"></fa-icon> NPA Report
           </button>
           <button mat-menu-item tabindex="0" routerLink="/npa/reports/status">
             <fa-icon icon="file-alt" class="menu-item-icon"></fa-icon> NPA Status Report
@@ -1264,6 +1306,9 @@
           <button mat-menu-item tabindex="0" routerLink="/npa/reports/provision">
             <fa-icon icon="hand-holding-usd" class="menu-item-icon"></fa-icon> NPA with Provision and Required Provision
           </button>
+          <button mat-menu-item tabindex="0" routerLink="/npa/reports/undebited-interest">
+            <fa-icon icon="coins" class="menu-item-icon"></fa-icon> Undebited Interest Recovery Report
+          </button>
         </div>
         <!-- NPA Classification -->
         <div class="deposit-menu-group">
@@ -1275,6 +1320,58 @@
             <fa-icon icon="flag" class="menu-item-icon"></fa-icon> SMA Report
           </button>
         </div>
+        <!-- Recovery Management -->
+        <div class="deposit-menu-group">
+          <div class="deposit-group-title">Recovery Management</div>
+          <button mat-menu-item tabindex="0" routerLink="/npa/reports/recovery-dashboard">
+            <fa-icon icon="tachometer-alt" class="menu-item-icon"></fa-icon> Recovery Management Dashboard
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/npa/reports/daywise-overdue">
+            <fa-icon icon="calendar-alt" class="menu-item-icon"></fa-icon> Day-wise Overdue Report
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/npa/reports/daywise-overdrawn">
+            <fa-icon icon="credit-card" class="menu-item-icon"></fa-icon> Day-wise Overdrawn Report
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/npa/reports/agri-gold-value">
+            <fa-icon icon="crop" class="menu-item-icon"></fa-icon> Agriculture / Gold Market Value Report
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/npa/reports/exception-check">
+            <fa-icon icon="balance-scale" class="menu-item-icon"></fa-icon> Exception Check — Security Value vs Loan
+          </button>
+        </div>
+      </div>
+    </mat-menu>
+
+    <mat-menu #loanOriginationMenu="matMenu" class="npa-mega-panel" [overlapTrigger]="false">
+      <div class="deposit-menu-grid npa-grid" (click)="$event.stopPropagation()">
+        <!-- Loan Origination -->
+        <div class="deposit-menu-group">
+          <div class="deposit-group-title">Loan Origination</div>
+          <button mat-menu-item tabindex="0" routerLink="/loan-origination/pipeline">
+            <fa-icon icon="stream" class="menu-item-icon"></fa-icon> Application Pipeline
+          </button>
+        </div>
+        <!-- Reports -->
+        <div class="deposit-menu-group">
+          <div class="deposit-group-title">Reports</div>
+          <button
+            mat-menu-item
+            tabindex="0"
+            routerLink="/loan-origination/pipeline"
+            [queryParams]="{ view: 'channel' }"
+          >
+            <fa-icon icon="chart-pie" class="menu-item-icon"></fa-icon> Channel-wise Report
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/loan-origination/pipeline" [queryParams]="{ view: 'bc' }">
+            <fa-icon icon="mobile-alt" class="menu-item-icon"></fa-icon> BC-wise Report
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/loan-origination/pipeline" [queryParams]="{ view: 'share' }">
+            <fa-icon icon="coins" class="menu-item-icon"></fa-icon> Share Member Report
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/loan-origination/pipeline" [queryParams]="{ view: 'target' }">
+            <fa-icon icon="chart-column" class="menu-item-icon"></fa-icon> Target vs Actual
+          </button>
+        </div>
       </div>
     </mat-menu>
 
@@ -1306,27 +1403,27 @@
         <!-- Core / Books -->
         <div class="deposit-menu-group">
           <div class="deposit-group-title">Core &amp; Books</div>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/voucher">
             <fa-icon icon="receipt" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Voucher Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/sundry-dr-cr">
             <fa-icon icon="random" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Sundry Dr / Cr Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/pnl-impact">
             <fa-icon icon="chart-line" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             P&amp;L Impact Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/gl-reconciliation">
             <fa-icon icon="book-open" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             GL Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/fixed-assets">
             <fa-icon icon="cube" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Fixed Assets Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/inter-company">
             <fa-icon icon="sitemap" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Inter-Company Reconciliation
           </button>
@@ -1335,19 +1432,19 @@
         <!-- Bank & Clearing -->
         <div class="deposit-menu-group">
           <div class="deposit-group-title">Bank &amp; Clearing</div>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/bank-reco">
             <fa-icon icon="university" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Bank Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/api-bank-reco">
             <fa-icon icon="code-branch" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             API Based Bank Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/neft-rtgs">
             <fa-icon icon="exchange" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             NEFT / RTGS Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/clearing-reco">
             <fa-icon icon="hand-holding-usd" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Clearing Reconciliation
           </button>
@@ -1356,15 +1453,15 @@
         <!-- Digital / Payments -->
         <div class="deposit-menu-group">
           <div class="deposit-group-title">Digital &amp; Payments</div>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/udir">
             <fa-icon icon="mobile-alt" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             UDIR (IMPS / UPI / ATM)
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/three-way-digital">
             <fa-icon icon="project-diagram" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Three-way Digital Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/nach-reco">
             <fa-icon icon="sync-alt" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             NACH Reconciliation
           </button>
@@ -1377,7 +1474,7 @@
             <fa-icon icon="money-check-alt" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             DD / Pay Order Reconciliation
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/share-member">
             <fa-icon icon="coins" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Share Member Reconciliation
           </button>
@@ -1386,11 +1483,11 @@
         <!-- Compliance & Financials -->
         <div class="deposit-menu-group">
           <div class="deposit-group-title">Compliance &amp; Financials</div>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/invoice-payment">
             <fa-icon icon="file-invoice" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Invoice Payment
           </button>
-          <button mat-menu-item tabindex="0">
+          <button mat-menu-item tabindex="0" routerLink="/reconciliation/tax-reco">
             <fa-icon icon="percentage" class="menu-item-icon" style="color: #0d9488"></fa-icon>
             Tax Reconciliation
           </button>
@@ -1502,6 +1599,9 @@
           <button mat-menu-item tabindex="0">
             <fa-icon icon="file-signature" class="menu-item-icon" style="color: #15803d"></fa-icon> Form 98
           </button>
+          <button mat-menu-item routerLink="/reports/form-97-98" tabindex="0">
+            <fa-icon icon="file-invoice" class="menu-item-icon" style="color: #15803d"></fa-icon> Form 97/98 Txn Report
+          </button>
           <button mat-menu-item routerLink="/letter-mgmt/form-15gh" tabindex="0">
             <fa-icon icon="file-signature" class="menu-item-icon" style="color: #15803d"></fa-icon> Form 121
           </button>
@@ -1706,6 +1806,14 @@
             >
               <fa-icon icon="shield-alt" class="gl-icon"></fa-icon> AML
             </a>
+            <a
+              class="gl-link"
+              [class.hidden]="!matchesRbiSearch('Risk Review Report')"
+              routerLink="/reports/risk-review"
+              (click)="rbiMenuOpen = false"
+            >
+              <fa-icon icon="user-shield" class="gl-icon"></fa-icon> Risk Review Report
+            </a>
           </div>
           <!-- OSS Reports -->
           <div class="gl-group">

src/app/core/shell/shell.component.scss

@@ -677,6 +677,26 @@ $gray-700: #334155;
   opacity: 0.7;
 }
 
+// Marks a `mat-menu-item` as actually wired to a working screen/dialog (vs a still-unwired
+// placeholder) — same "green dot" convention as .gl-link--live, positioned absolutely since
+// mat-menu-item's internal layout isn't a plain flex row we control directly.
+[mat-menu-item].menu-item-live {
+  position: relative;
+
+  &::after {
+    content: '';
+    position: absolute;
+    right: 14px;
+    top: 50%;
+    transform: translateY(-50%);
+    width: 6px;
+    height: 6px;
+    border-radius: 50%;
+    background: #16a34a;
+    box-shadow: 0 0 0 2px rgb(22 163 74 / 15%);
+  }
+}
+
 // ===== Nav Dropdown Menus =====
 ::ng-deep .nav-dropdown {
   border-radius: 8px !important;
@@ -729,6 +749,13 @@ $gray-700: #334155;
   }
 }
 
+/* NPA Mega Panel — 4 columns (Reports / Analysis / Classification / Recovery Management) */
+.npa-grid {
+  grid-template-columns: repeat(4, minmax(200px, 1fr));
+  min-width: 880px;
+  max-width: 96vw;
+}
+
 /* Reconciliation Mega Panel — 5 columns, teal accent to match the icon palette */
 .reconciliation-grid {
   grid-template-columns: repeat(5, minmax(190px, 1fr));

src/app/fiu/fiu-data.ts

@@ -6,6 +6,10 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
+import { BRANCHES, BranchMaster } from '../npa/npa-data';
+
+export { BRANCHES, BranchMaster };
+
 /**
  * Sample FIU-IND data — schema mirrors the FINnet 2.0 CSV submission templates
  * (TC1, TC2, KC1, KC2, Account_Detail, Account_Person_Relation).
@@ -20,7 +24,15 @@
  */
 
 export type ReportType = 'CTR' | 'STR' | 'CCR' | 'NTR' | 'CBWTR';
-export type StrStatus = 'draft' | 'po-review' | 'filed' | 'rejected';
+/**
+ * Lifecycle of an STR case.
+ *   draft           — raised, not yet with the Principal Officer
+ *   po-review       — under Principal Officer investigation
+ *   awaiting-filing — concluded suspicious; STR XML must still be submitted to FIU-IND
+ *   filed           — submitted and FIU-IND acknowledgement recorded
+ *   rejected        — concluded clean; nothing filed
+ */
+export type StrStatus = 'draft' | 'po-review' | 'awaiting-filing' | 'filed' | 'rejected';
 
 /** TC2 — Branch / cash transaction record */
 export interface CtrTransaction {
@@ -42,7 +54,17 @@ export interface CtrTransaction {
   declaration: string;
   /** Customer name resolved from KC1 (UI convenience, not in actual TC2 schema) */
   customerName?: string;
-  complianceStatus?: 'PENDING' | 'WHITELISTED' | 'SUSPICIOUS';
+  /**
+   * CTR does not judge suspicion. It records only whether the source of funds was
+   * evidenced at the counter (CTR filed, nothing further) or could not be, in which
+   * case the transaction is referred to STR. The suspicious/clean verdict itself
+   * belongs to the Principal Officer on the STR side.
+   */
+  complianceStatus?: 'PENDING' | 'EVIDENCED' | 'REFERRED';
+  /** Document that evidenced the source of funds, when verified at the counter. */
+  evidenceDocType?: string;
+  evidenceReference?: string;
+  evidencedOn?: string;
 }
 
 /** Outcome of the Principal Officer's investigation into an STR case */
@@ -64,6 +86,10 @@ export interface StrTransaction extends CtrTransaction {
   poRemarks?: string;
   /** Set once the Principal Officer concludes the investigation */
   poFinding?: PoFinding;
+  /** FIU-IND acknowledgement number, recorded only after the STR is actually submitted */
+  fiuReferenceNo?: string;
+  /** Date the STR was submitted on the FINnet portal */
+  filedOn?: string;
 }
 
 /** KC1 — Individual customer card (subset of the 70+ fields, only what UI shows) */
@@ -133,6 +159,25 @@ export const FIU_BANK = {
   cbwtrThreshold: 500000 // CBWTR threshold ₹5 L
 };
 
+/**
+ * CTR/STR records below use the bank's own internal numeric branch codes (as FINnet's TC2
+ * schema expects), not the app-wide BranchMaster codes (BR01, BR02, ...) every other module
+ * scopes Head-Office-vs-branch access by. This maps one to the other so a branch-level login's
+ * officeName can be matched consistently, the same way NPA/Reconciliation/Loan Origination do.
+ */
+export const FIU_BRANCH_CODE_TO_CANONICAL: Record<string, string> = {
+  '1': 'BR01',
+  '2': 'BR02',
+  '3': 'BR03',
+  '4': 'BR04',
+  '5': 'BR05',
+  '6': 'BR06',
+  '8': 'BR07',
+  '9': 'BR08',
+  '10': 'BR02',
+  '12': 'BR04'
+};
+
 /**
  * ── CTR transactions (FINnet TC2-style) ──
  * Only CASH transactions that breach the RBI/PMLA reporting limit of ₹10,00,000
@@ -275,6 +320,316 @@ export const CTR_TXNS: CtrTransaction[] = [
   }
 ];
 
+/**
+ * ── TC1: ATM / card transactions ──
+ *
+ * TC2 carries what happened at the counter; TC1 carries what happened at the
+ * card rails. Both feed the same CTR, because an ATM cash withdrawal is still
+ * a cash transaction and counts towards the customer's monthly aggregate.
+ *
+ * Every row here belongs to an account that is already in CTR_TXNS and carries
+ * the same reportRefNo, so the six FINnet files reconcile against each other.
+ */
+export interface CardTransaction {
+  reportType: ReportType;
+  reportRefNo: number;
+  branchCode: string;
+  accountNumber: string;
+  /** FINnet account-type code, same codes used in Account_Detail. */
+  accountType: string;
+  relationshipFlag: 'Customer' | 'Non-Customer';
+  /** Settled at the switch, or declined / reversed. */
+  txnStatus: 'Success' | 'Failed' | 'Reversed';
+  txnId: number;
+  txnDate: string;
+  txnTime: string;
+  depositOrWithdrawal: 'Deposit' | 'Withdrawal';
+  txnAmount: number;
+  cardType: 'RuPay Debit' | 'VISA Debit' | 'Mastercard Debit';
+  /** Masked to the last four digits — the PAN itself is never put in the file. */
+  cardNumber: string;
+  /** FINnet country code; 95 is India, as used across the KC files. */
+  cardIssuingCountry: string;
+  cardIssuingBank: string;
+  /** NFS / NPCI switch reference for the leg. */
+  switchTxnId: string;
+  atmId: string;
+  /** UI convenience, not part of the TC1 schema. */
+  customerName?: string;
+}
+
+export const TC1_TXNS: CardTransaction[] = [
+  // Ref 1 — ANAND KRISHNAN: routine ATM usage alongside a large counter deposit.
+  {
+    reportType: 'CTR',
+    reportRefNo: 1,
+    branchCode: '1',
+    accountNumber: '110001101000838',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9001,
+    txnDate: '06-01-2026',
+    txnTime: '19:42:11',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 20000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX4417',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26010600418',
+    atmId: 'NEXA0001',
+    customerName: 'ANAND KRISHNAN'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 1,
+    branchCode: '1',
+    accountNumber: '110001101000838',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9002,
+    txnDate: '18-01-2026',
+    txnTime: '11:07:53',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 25000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX4417',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011800911',
+    atmId: 'NEXA0003',
+    customerName: 'ANAND KRISHNAN'
+  },
+
+  // Ref 2 — MEERA SUNDARAM: card cash-out at another bank's ATM.
+  {
+    reportType: 'CTR',
+    reportRefNo: 2,
+    branchCode: '3',
+    accountNumber: '110001204000712',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9003,
+    txnDate: '09-01-2026',
+    txnTime: '20:15:36',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 10000,
+    cardType: 'VISA Debit',
+    cardNumber: 'XXXXXXXXXXXX8820',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26010901277',
+    atmId: 'SBIN004512',
+    customerName: 'MEERA SUNDARAM'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 2,
+    branchCode: '3',
+    accountNumber: '110001204000712',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    // Declined for insufficient balance. Failed legs are still reported: the
+    // attempt itself is part of the customer's pattern.
+    txnStatus: 'Failed',
+    txnId: 9004,
+    txnDate: '09-01-2026',
+    txnTime: '20:17:02',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 20000,
+    cardType: 'VISA Debit',
+    cardNumber: 'XXXXXXXXXXXX8820',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26010901284',
+    atmId: 'SBIN004512',
+    customerName: 'MEERA SUNDARAM'
+  },
+
+  // Ref 3 — HARPREET SINGH BEDI: cash recycler deposit through the card.
+  {
+    reportType: 'CTR',
+    reportRefNo: 3,
+    branchCode: '6',
+    accountNumber: '110001307000455',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9005,
+    txnDate: '12-01-2026',
+    txnTime: '13:28:44',
+    depositOrWithdrawal: 'Deposit',
+    txnAmount: 49500,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX6193',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011200630',
+    atmId: 'NEXA0002-CRM',
+    customerName: 'HARPREET SINGH BEDI'
+  },
+
+  // Ref 4 — FAROOQ ABDULLAH KHAN: repeated near-limit withdrawals in one day.
+  {
+    reportType: 'CTR',
+    reportRefNo: 4,
+    branchCode: '2',
+    accountNumber: '110001408000933',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9006,
+    txnDate: '16-01-2026',
+    txnTime: '09:03:19',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 50000,
+    cardType: 'Mastercard Debit',
+    cardNumber: 'XXXXXXXXXXXX2075',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011600142',
+    atmId: 'NEXA0004',
+    customerName: 'FAROOQ ABDULLAH KHAN'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 4,
+    branchCode: '2',
+    accountNumber: '110001408000933',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9007,
+    txnDate: '16-01-2026',
+    txnTime: '09:06:41',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 50000,
+    cardType: 'Mastercard Debit',
+    cardNumber: 'XXXXXXXXXXXX2075',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011600149',
+    atmId: 'NEXA0004',
+    customerName: 'FAROOQ ABDULLAH KHAN'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 4,
+    branchCode: '2',
+    accountNumber: '110001408000933',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    // Dispensed short and auto-reversed by the switch the same evening.
+    txnStatus: 'Reversed',
+    txnId: 9008,
+    txnDate: '16-01-2026',
+    txnTime: '09:09:05',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 50000,
+    cardType: 'Mastercard Debit',
+    cardNumber: 'XXXXXXXXXXXX2075',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011600155',
+    atmId: 'NEXA0004',
+    customerName: 'FAROOQ ABDULLAH KHAN'
+  },
+
+  // Ref 5 — DEEPIKA RANGANATHAN
+  {
+    reportType: 'CTR',
+    reportRefNo: 5,
+    branchCode: '9',
+    accountNumber: '110001509000268',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9009,
+    txnDate: '21-01-2026',
+    txnTime: '17:51:28',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 15000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX9354',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012101508',
+    atmId: 'HDFC009871',
+    customerName: 'DEEPIKA RANGANATHAN'
+  },
+
+  // Ref 6 — RAJENDRA PRASAD YADAV
+  {
+    reportType: 'CTR',
+    reportRefNo: 6,
+    branchCode: '5',
+    accountNumber: '110001610000841',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9010,
+    txnDate: '23-01-2026',
+    txnTime: '10:34:12',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 40000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX1268',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012300287',
+    atmId: 'NEXA0005',
+    customerName: 'RAJENDRA PRASAD YADAV'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 6,
+    branchCode: '5',
+    accountNumber: '110001610000841',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9011,
+    txnDate: '28-01-2026',
+    txnTime: '18:22:47',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 35000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX1268',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012801733',
+    atmId: 'NEXA0005',
+    customerName: 'RAJENDRA PRASAD YADAV'
+  },
+
+  // Ref 7 — SHABANA TARIQ MIRZA: the account's card is used by a third party,
+  // which is why the relationship flag differs from the rest.
+  {
+    reportType: 'CTR',
+    reportRefNo: 7,
+    branchCode: '12',
+    accountNumber: '110001711000527',
+    accountType: '215',
+    relationshipFlag: 'Non-Customer',
+    txnStatus: 'Success',
+    txnId: 9012,
+    txnDate: '27-01-2026',
+    txnTime: '21:08:33',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 30000,
+    cardType: 'VISA Debit',
+    cardNumber: 'XXXXXXXXXXXX7741',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012702094',
+    atmId: 'ICIC007233',
+    customerName: 'SHABANA TARIQ MIRZA'
+  }
+];
+
 /**
  * ── STR cases ──
  * Raised either by the AML rules engine or by an officer flagging a CTR row as

src/app/fiu/fiu.component.html

@@ -14,12 +14,25 @@
       <div>
         <h2 class="fiu-head-t">Financial Intelligence Unit – India (FIU-IND)</h2>
         <div class="fiu-head-s">
-          {{ bank.name }} &middot; {{ bank.branch }} &middot; Reporting Month <strong>{{ bank.reportingMonth }}</strong>
+          {{ bank.name }} &middot; {{ scopeName }} &middot; Reporting Month <strong>{{ bank.reportingMonth }}</strong>
           &middot; PMLA 2002 / FINnet 2.0
         </div>
       </div>
     </div>
     <div class="fiu-head-meta">
+      <div>
+        <span class="fiu-meta-l">Branch</span>
+        @if (isHeadOffice) {
+          <select class="fiu-inp" [ngModel]="branchFilter" (ngModelChange)="setBranch($event)">
+            <option value="">All Branches</option>
+            @for (b of branches; track b.code) {
+              <option [value]="b.code">{{ b.name }}</option>
+            }
+          </select>
+        } @else {
+          <span class="fiu-meta-v">{{ scopeName }}</span>
+        }
+      </div>
       <div>
         <span class="fiu-meta-l">Principal Officer</span><span class="fiu-meta-v">{{ bank.principalOfficer }}</span>
       </div>
@@ -96,6 +109,52 @@
         </div>
       </div>
 
+      <!-- WHEN TO REPORT — the five PMLA obligations -->
+      <div class="ob-block">
+        <div class="ob-head">
+          <div>
+            <h3 class="ob-title"><fa-icon icon="gavel"></fa-icon> When to report to FIU-IND</h3>
+            <p class="ob-sub">
+              The five reports a reporting entity owes under the Prevention of Money Laundering Act. All are filed
+              electronically through the FINnet 2.0 portal.
+            </p>
+          </div>
+        </div>
+
+        <div class="ob-grid">
+          @for (o of obligations; track o.code) {
+            <div class="ob-card" [class.ob-card--off]="!o.handled">
+              <div class="ob-card-h">
+                <fa-icon [icon]="o.icon" class="ob-ic"></fa-icon>
+                <span class="ob-code">{{ o.code }}</span>
+                <span class="ob-name">{{ o.name }}</span>
+                @if (o.handled) {
+                  <span class="ob-flag ob-flag--on">Filed here</span>
+                } @else {
+                  <span class="ob-flag">Tracked</span>
+                }
+              </div>
+              <div class="ob-row">
+                <label>Report when</label><span>{{ o.trigger }}</span>
+              </div>
+              <div class="ob-row">
+                <label>Deadline</label><span class="ob-due">{{ o.deadline }}</span>
+              </div>
+              <div class="ob-note">{{ o.note }}</div>
+              @if (o.code === 'CTR') {
+                <button class="dc-btn" (click)="showTab('ctr')">
+                  <fa-icon icon="external-link-alt"></fa-icon> Open CTR
+                </button>
+              } @else if (o.code === 'STR') {
+                <button class="dc-btn" (click)="showTab('str')">
+                  <fa-icon icon="external-link-alt"></fa-icon> Open STR
+                </button>
+              }
+            </div>
+          }
+        </div>
+      </div>
+
       <!-- Compliance cards -->
       <div class="fiu-compliance">
         <div class="dc-card">
@@ -136,257 +195,106 @@
   <!-- CTR -->
   @if (activeTab === 'ctr') {
     <div class="fiu-section">
-      <!-- LIVE: cash-related CTR threshold alerts -->
+      <!-- FINNET FILE SEQUENCE — the CTR submission, in prescribed order -->
-      <div class="fiu-form-meta">
+      <div class="seq-block">
-        <div class="fiu-form-title">
+        <div class="fiu-form-meta">
-          <h3>Live CTR Threshold Alerts</h3>
+          <div class="fiu-form-title">
-          <p>
+            <h3>CTR Submission Files — FINnet 2.0</h3>
-            Mechanical cash transaction threshold breaches — review and whitelist or escalate to Principal Officer
+            <p>
-          </p>
+              The CTR is built in this order: the account is described first, then who is behind it, then the two
-        </div>
+              transaction files. Every grid below is the exact content of its CSV. The customer cards (KC1 / KC2) travel
-        <select class="fiu-inp" [(ngModel)]="amlAlertStatusFilter" (ngModelChange)="loadAmlAlerts()">
+              with the same bundle and are worked on the Customer Cards tab.
-          <option value="">All statuses</option>
+            </p>
-          <option value="RAISED">Raised</option>
+          </div>
-          <option value="UNDER_REVIEW">Under Review</option>
+          <button class="fiu-btn fiu-btn-xls" (click)="exportAll()">
-          <option value="WHITELISTED">Whitelisted</option>
+            <fa-icon icon="file-csv"></fa-icon> Download full bundle
-          <option value="ESCALATED">Escalated</option>
-        </select>
-      </div>
-      <div class="fiu-tbl-wrap">
-        <table class="fiu-tbl">
-          <thead>
-            <tr>
-              <th>ID</th>
-              <th>Client</th>
-              <th>Type</th>
-              <th>Rule</th>
-              <th class="ta-r">Amount</th>
-              <th>Raised On</th>
-              <th>Status</th>
-              <th class="ta-c">Routes To</th>
-              <th>Notes</th>
-              <th>Action</th>
-            </tr>
-          </thead>
-          <tbody>
-            @for (alert of ctrAlerts; track alert.id) {
-              <tr>
-                <td>{{ alert.id }}</td>
-                <td>{{ alert.clientDisplayName }}</td>
-                <td>{{ alert.transactionType }}</td>
-                <td>{{ alert.ruleCode }} &mdash; {{ alert.ruleDescription }}</td>
-                <td class="ta-r mono">&#8377;{{ alert.amount | number: '1.0-0' }}</td>
-                <td>{{ alert.raisedOn | date: 'medium' }}</td>
-                <td>
-                  <span [class]="amlStatusClass(alert.status)">{{ alert.status }}</span>
-                </td>
-                <td class="ta-c">
-                  <span [class]="alertRouteClass(alert.status)">{{ alertRouteLabel(alert.status) }}</span>
-                </td>
-                <td>
-                  @if (alert.status === 'RAISED' || alert.status === 'UNDER_REVIEW') {
-                    <input
-                      type="text"
-                      class="fiu-inp"
-                      placeholder="Review notes"
-                      [(ngModel)]="amlReviewNotes[alert.id]"
-                    />
-                  } @else {
-                    <span class="muted">{{ alert.reviewNotes }}</span>
-                  }
-                </td>
-                <td>
-                  @if (alert.status === 'RAISED' || alert.status === 'UNDER_REVIEW') {
-                    <div class="fiu-action-group" *mifosxHasPermission="'REVIEW_AML_ALERT'">
-                      <button class="fiu-btn fiu-btn-g" (click)="whitelistAlert(alert)">Whitelist</button>
-                      <button class="fiu-btn fiu-btn-xml" (click)="escalateAlert(alert)">Escalate</button>
-                    </div>
-                  }
-                </td>
-              </tr>
-            } @empty {
-              <tr>
-                <td colspan="10" class="fiu-empty">No live alerts.</td>
-              </tr>
-            }
-          </tbody>
-        </table>
-      </div>
-      <p class="fiu-tbl-legend">
-        <span class="report-pill report-pending">Pending</span> awaiting Whitelist/Escalate decision &middot;
-        <span class="report-pill report-ctr">CTR only</span> whitelisted — cleared, no STR needed &middot;
-        <span class="report-pill report-str">→ STR</span> escalated to Principal Officer as an STR case
-      </p>
-
-      <!-- LIVE: monthly CTR reports (mechanical, threshold-based) -->
-      <div class="fiu-form-meta">
-        <div class="fiu-form-title">
-          <h3>Monthly CTR Reports</h3>
-          <p>
-            Threshold: <strong>&#8377;{{ bank.cashThreshold | number }}</strong> per single txn / connected aggregate
-            per month
-          </p>
-        </div>
-        <div class="fiu-action-group">
-          <input class="fiu-inp" type="month" [(ngModel)]="ctrGenerateMonth" />
-          <button class="fiu-btn fiu-btn-g" *mifosxHasPermission="'REVIEW_AML_ALERT'" (click)="generateCtrReport()">
-            Generate
           </button>
         </div>
-      </div>
+
-      <div class="fiu-tbl-wrap">
+        <!-- Scope: these controls decide which transactions the six files carry. -->
-        <table class="fiu-tbl">
+        <div class="fiu-filters">
-          <thead>
+          <div class="fiu-filter">
-            <tr>
+            <label>Type</label>
-              <th>Month</th>
+            <select class="fiu-inp" [(ngModel)]="ctrFilterMode">
-              <th>Generated On</th>
+              <option value="">All</option>
-              <th class="ta-c">Records</th>
+              <option value="Deposit">Deposit</option>
-              <th>Status</th>
+              <option value="Withdrawal">Withdrawal</option>
-              <th>Submitted On</th>
+            </select>
-            </tr>
+          </div>
-          </thead>
+          <div class="fiu-filter">
-          <tbody>
+            <label>Account contains</label>
-            @for (r of amlCtrReports; track r.id) {
+            <input class="fiu-inp" type="text" [(ngModel)]="ctrFilterAccount" placeholder="A/c partial" />
-              <tr>
+          </div>
-                <td>{{ r.reportMonth }}</td>
+          <div class="fiu-filter">
-                <td>{{ r.generatedOn | date: 'medium' }}</td>
+            <label>Min Amount (&#8377;)</label>
-                <td class="ta-c">{{ r.recordCount }}</td>
+            <input class="fiu-inp" type="number" [(ngModel)]="ctrFilterMinAmount" placeholder="0" />
-                <td>
+          </div>
-                  <span [class]="amlStatusClass(r.status)">{{ r.status }}</span>
+          <button class="fiu-btn fiu-btn-g" (click)="resetCtrFilters()">Reset</button>
-                </td>
+        </div>
-                <td>{{ r.submittedOn ? (r.submittedOn | date: 'medium') : '—' }}</td>
+
-              </tr>
+        <!-- Step rail -->
-            } @empty {
+        <div class="seq-rail">
-              <tr>
+          @for (f of finnetSequence; track f.key) {
-                <td colspan="5" class="fiu-empty">No CTR reports generated yet.</td>
+            <button class="seq-step" [class.active]="activeFinnetFile === f.key" (click)="showFinnetFile(f.key)">
-              </tr>
+              <span class="seq-n">{{ f.step }}</span>
+              <span class="seq-txt">
+                <strong>{{ f.name }}</strong>
+                <em>{{ f.table.rows.length }} {{ f.table.rows.length === 1 ? 'row' : 'rows' }}</em>
+              </span>
+            </button>
+            @if (!$last) {
+              <fa-icon icon="chevron-right" class="seq-arrow"></fa-icon>
             }
-          </tbody>
+          }
-        </table>
+        </div>
-      </div>
 
-      <!-- FINnet export template (separate concern — TC1/TC2 file-format generation) -->
+        <!-- Open file -->
-      <div class="fiu-form-meta">
+        <div class="seq-panel">
-        <div class="fiu-form-title">
+          <div class="seq-panel-h">
-          <h3>FINnet TC2 Export Template</h3>
+            <div>
-          <p>
+              <h4>Step {{ openFinnetFile.step }} — {{ openFinnetFile.title }}</h4>
-            All cash transactions ≥ &#8377;{{ bank.cashThreshold | number }} (single or aggregate per month per account)
+              <p>{{ openFinnetFile.purpose }}</p>
-          </p>
+            </div>
-        </div>
+            <button class="fiu-btn fiu-btn-csv" (click)="downloadOpenFinnetFile()">
-        <button class="fiu-btn fiu-btn-csv" (click)="exportTc2()">
+              <fa-icon icon="file-csv"></fa-icon> {{ openFinnetFile.name }}.csv
-          <fa-icon icon="file-csv"></fa-icon> Download TC2.csv
+            </button>
-        </button>
+          </div>
-      </div>
 
-      <div class="fiu-filters">
+          <div class="seq-tbl-wrap">
-        <div class="fiu-filter">
+            <table class="seq-tbl">
-          <label>Type</label>
+              <thead>
-          <select class="fiu-inp" [(ngModel)]="ctrFilterMode">
+                <tr>
-            <option value="">All</option>
+                  <th class="seq-rownum">#</th>
-            <option value="Deposit">Deposit</option>
+                  @for (h of openFinnetFile.table.headers; track $index) {
-            <option value="Withdrawal">Withdrawal</option>
+                    <th>{{ h }}</th>
-          </select>
-        </div>
-        <div class="fiu-filter">
-          <label>Account contains</label>
-          <input class="fiu-inp" type="text" [(ngModel)]="ctrFilterAccount" placeholder="A/c partial" />
-        </div>
-        <div class="fiu-filter">
-          <label>Min Amount (&#8377;)</label>
-          <input class="fiu-inp" type="number" [(ngModel)]="ctrFilterMinAmount" placeholder="0" />
-        </div>
-        <button class="fiu-btn fiu-btn-g" (click)="resetCtrFilters()">Reset</button>
-      </div>
-
-      <div class="fiu-tbl-wrap">
-        <table class="fiu-tbl">
-          <thead>
-            <tr>
-              <th class="ta-c">Ref</th>
-              <th>Account</th>
-              <th>Customer</th>
-              <th class="ta-c">Type</th>
-              <th>Date / Time</th>
-              <th class="ta-r">Amount</th>
-              <th>Instrument</th>
-              <th>Branch</th>
-              <th class="ta-c">Relationship</th>
-              <th class="ta-c">Filed Under</th>
-              <th>Compliance Action</th>
-            </tr>
-          </thead>
-          <tbody>
-            @for (t of filteredCtr; track t.txnId) {
-              <tr>
-                <td class="ta-c">{{ t.reportRefNo }}</td>
-                <td class="mono">{{ t.accountNumber }}</td>
-                <td>{{ t.customerName }}</td>
-                <td class="ta-c">
-                  <span
-                    class="dir-pill"
-                    [class.deposit]="t.depositOrWithdrawal === 'Deposit'"
-                    [class.withdrawal]="t.depositOrWithdrawal === 'Withdrawal'"
-                  >
-                    {{ t.depositOrWithdrawal }}
-                  </span>
-                </td>
-                <td>
-                  {{ t.txnDate }} <span class="muted">{{ t.txnTime }}</span>
-                </td>
-                <td class="ta-r mono">
-                  <strong>&#8377;{{ t.txnAmount | number: '1.0-0' }}</strong>
-                </td>
-                <td>
-                  {{ t.instrumentType }} <span class="muted">{{ t.instrumentId }}</span>
-                </td>
-                <td class="mono">{{ t.branchCode }}</td>
-                <td class="ta-c">
-                  <span class="rel-pill" [class.non-cust]="t.relationshipFlag === 'Non-Customer'">{{
-                    t.relationshipFlag
-                  }}</span>
-                </td>
-                <td class="ta-c">
-                  <span class="report-pill report-ctr" title="Always included in the monthly CTR / TC2 file">CTR</span>
-                  @if (t.complianceStatus === 'SUSPICIOUS') {
-                    <span class="report-pill report-str" title="Also escalated to an STR case for Principal Officer review">+ STR</span>
                   }
-                </td>
+                </tr>
-                <td>
+              </thead>
-                  @if (!t.complianceStatus || t.complianceStatus === 'PENDING') {
+              <tbody>
-                    <div class="fiu-action-group" style="gap: 4px;">
+                @for (r of openFinnetFile.table.rows; track $index) {
-                      <button class="fiu-btn" style="padding: 4px 8px; font-size: 11px; color: var(--f-green); border-color: var(--f-green); background: var(--f-green-l);" (click)="whitelistCtrTxn(t)">
+                  <tr>
-                        Whitelist
+                    <td class="seq-rownum">{{ $index + 1 }}</td>
-                      </button>
+                    @for (c of r; track $index) {
-                      <button class="fiu-btn" style="padding: 4px 8px; font-size: 11px; color: var(--f-red); border-color: var(--f-red); background: var(--f-red-l);" (click)="flagCtrTxnSuspicious(t)">
+                      <td>{{ c }}</td>
-                        Flag STR
-                      </button>
-                    </div>
-                  } @else {
-                    <span [class]="t.complianceStatus === 'WHITELISTED' ? 'status-pill status-whitelisted' : 'status-pill status-escalated'">
-                      {{ t.complianceStatus }}
-                    </span>
-                    @if (t.complianceStatus === 'WHITELISTED') {
-                      <div class="muted" style="margin-top: 3px;">Stays in CTR only</div>
-                    } @else {
-                      <button class="fiu-link-btn" (click)="openStrCase(t)">View in STR tab &rarr;</button>
                     }
-                  }
+                  </tr>
-                </td>
+                } @empty {
-              </tr>
+                  <tr>
-            } @empty {
+                    <td [attr.colspan]="openFinnetFile.table.headers.length + 1" class="seq-empty">
-              <tr>
+                      @if (openFinnetFile.key === 'tc1') {
-                <td colspan="11" class="fiu-empty">No transactions match the filters.</td>
+                        No ATM or card transactions match the current scope. When the bank books none at all, TC1 is
-              </tr>
+                        still submitted as a header-only file — that is what FIU-IND expects.
-            }
+                      } @else {
-          </tbody>
+                        No rows for the current filters.
-        </table>
+                      }
+                    </td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        </div>
       </div>
-      <p class="fiu-tbl-legend">
-        <span class="report-pill report-ctr">CTR</span> every cash txn ≥ threshold stays in the monthly CTR / TC2
-        file &middot;
-        <span class="report-pill report-str">+ STR</span> also flagged as suspicious and escalated to a separate STR
-        case (see the STR tab)
-      </p>
     </div>
   }
 
@@ -397,9 +305,7 @@
       <div class="fiu-form-meta">
         <div class="fiu-form-title">
           <h3>Live AML Alerts (Awaiting Triage)</h3>
-          <p>
+          <p>Flagged by the monitoring engine for suspicious behavioral patterns — triage and whitelist or escalate</p>
-            Flagged by the monitoring engine for suspicious behavioral patterns — triage and whitelist or escalate
-          </p>
         </div>
       </div>
       <div class="fiu-tbl-wrap">
@@ -468,7 +374,7 @@
         <span class="report-pill report-str">→ STR</span> escalated to Principal Officer as an STR case
       </p>
 
-      <hr style="border: 0; border-top: 1px solid var(--f-g200); margin: 8px 0;" />
+      <hr style="border: 0; border-top: 1px solid var(--f-g200); margin: 8px 0" />
 
       <!-- LIVE: STR cases with full Principal Officer actions -->
       <div class="fiu-form-meta">
@@ -627,23 +533,26 @@
               } @else if (derivedConclusion === 'NOT_SUSPICIOUS') {
                 <fa-icon icon="check-circle"></fa-icon>
                 <span>
-                  <strong>Not suspicious.</strong> All {{ strChecklist.length }} points found genuine — the case will
+                  <strong>Not suspicious.</strong> All {{ strChecklist.length }} points found genuine — the case will be
-                  be closed and nothing filed with FIU-IND.
+                  closed and nothing filed with FIU-IND.
                 </span>
               } @else {
                 <fa-icon icon="exclamation-triangle"></fa-icon>
                 <span>
                   <strong>Suspicious — STR must be filed.</strong>
                   {{ failedFindings.length }} of {{ strChecklist.length }} points not satisfied:
-                  {{ failedFindings[0].label }}@if (failedFindings.length > 1) {
+                  {{ failedFindings[0].label }}
+                  @if (failedFindings.length > 1) {
                     <span> and {{ failedFindings.length - 1 }} more</span>
-                  }.
+                  }
+                  .
                 </span>
               }
             </div>
 
             <button class="fiu-btn fiu-btn-xml" [disabled]="!allAnswered" (click)="concludeStrCase()">
-              Conclude as {{ allAnswered ? (derivedConclusion === 'SUSPICIOUS' ? 'Suspicious' : 'Not Suspicious') : '…' }}
+              Conclude as
+              {{ allAnswered ? (derivedConclusion === 'SUSPICIOUS' ? 'Suspicious' : 'Not Suspicious') : '…' }}
             </button>
 
             @if (selectedStrCase.status === 'CONCLUDED_SUSPICIOUS') {
@@ -675,8 +584,9 @@
             <option value="">All</option>
             <option value="draft">Draft</option>
             <option value="po-review">PO Review</option>
+            <option value="awaiting-filing">Awaiting Filing</option>
             <option value="filed">Filed</option>
-            <option value="rejected">Rejected</option>
+            <option value="rejected">Closed — Clean</option>
           </select>
         </div>
         <div class="fiu-filter">
@@ -733,6 +643,9 @@
                 <div>
                   <label>Instrument</label><span>{{ s.instrumentType }} {{ s.instrumentId }}</span>
                 </div>
+                <div>
+                  <label>Branch</label><span class="mono">{{ s.branchCode }} {{ branchNameFor(s.branchCode) }}</span>
+                </div>
               </div>
               <div class="str-narrative">
                 <label>Narrative</label>
@@ -752,17 +665,198 @@
                   </label>
                   <p>{{ poFindingLabel(s.poFinding) }}</p>
                 </div>
-              } @else {
+              }
+
+              <!-- Concluded suspicious but not yet submitted to FIU-IND -->
+              @if (s.status === 'awaiting-filing') {
+                <div class="str-filing" *mifosxHasPermission="'CONCLUDE_AML_STR'">
+                  <label>
+                    <fa-icon icon="exclamation-triangle"></fa-icon> Awaiting submission to FIU-IND — due within 7 days
+                    of {{ s.detectedOn }}
+                  </label>
+                  <p class="filing-hint">
+                    Generate the FINnet STR XML, upload it on the FIU-IND portal under
+                    {{ bank.principalOfficer }}'s digital signature, then record the acknowledgement number here.
+                  </p>
+                  <div class="filing-row">
+                    <button class="fiu-btn" (click)="exportSingleStrXml(s)">
+                      <fa-icon icon="file-alt"></fa-icon> Generate STR XML
+                    </button>
+                    <input
+                      class="fiu-inp"
+                      type="text"
+                      placeholder="FIU-IND acknowledgement no."
+                      [(ngModel)]="localFileRefs[s.reportRefNo]"
+                    />
+                    <button class="fiu-btn fiu-btn-xml" (click)="fileLocalStr(s)">Mark STR Filed</button>
+                  </div>
+                </div>
+              }
+
+              @if (s.status === 'filed' && s.fiuReferenceNo) {
+                <div class="str-filed-ack">
+                  <fa-icon icon="check-circle"></fa-icon>
+                  <span>
+                    Filed with FIU-IND on <strong>{{ s.filedOn }}</strong> &middot; acknowledgement
+                    <strong class="mono">{{ s.fiuReferenceNo }}</strong>
+                  </span>
+                </div>
+              }
+
+              @if (!s.poFinding && investigatingStr?.reportRefNo !== s.reportRefNo) {
                 <div class="str-po-action" *mifosxHasPermission="'CONCLUDE_AML_STR'">
                   <label>Principal Officer investigation — is the source of funds legitimate?</label>
-                  <div class="fiu-action-group">
+                  <button class="fiu-btn fiu-btn-xml" (click)="investigateLocalStr(s)">
-                    <button class="fiu-btn fiu-btn-clean" (click)="concludeLocalStr(s, 'CLEAN')">
+                    <fa-icon icon="search"></fa-icon> Investigate this case
-                      Clean — close case
+                  </button>
-                    </button>
+                </div>
-                    <button class="fiu-btn fiu-btn-xml" (click)="concludeLocalStr(s, 'SUSPICIOUS')">
+              }
-                      Suspicious — file STR with FIU-IND
+
+              <!-- Investigation workspace for this case -->
+              @if (investigatingStr?.reportRefNo === s.reportRefNo) {
+                <div class="str-investigation" *mifosxHasPermission="'CONCLUDE_AML_STR'">
+                  <div class="inv-head">
+                    <span>Principal Officer investigation — STR-{{ s.reportRefNo }}</span>
+                    <button class="fiu-link-btn fiu-link-btn--muted" (click)="closeLocalStrInvestigation()">
+                      Cancel
                     </button>
                   </div>
+
+                  <!-- Step 1 — call for evidence -->
+                  <div class="inv-step">
+                    <div class="inv-step-t"><span class="inv-num">1</span> Documentary evidence called for</div>
+                    <div class="inv-grid">
+                      <div class="form-row">
+                        <label for="invDocType">Document requested from the customer</label>
+                        <select id="invDocType" class="fiu-inp" [(ngModel)]="evidenceDocType">
+                          <option value="">Select document…</option>
+                          @for (d of evidenceDocTypes; track d) {
+                            <option [value]="d">{{ d }}</option>
+                          }
+                        </select>
+                      </div>
+                      <div class="form-row">
+                        <label for="invReceived">Was it produced?</label>
+                        <select id="invReceived" class="fiu-inp" [(ngModel)]="evidenceReceived">
+                          <option value="">Select…</option>
+                          <option value="YES">Yes — complete</option>
+                          <option value="PARTIAL">Partially — incomplete</option>
+                          <option value="NO">No — not produced</option>
+                        </select>
+                      </div>
+                      <div class="form-row">
+                        <label for="invRef">Document / reference number</label>
+                        <input id="invRef" class="fiu-inp" type="text" [(ngModel)]="evidenceReference" />
+                      </div>
+                    </div>
+                  </div>
+
+                  <!-- Step 2 — customer's account of the funds -->
+                  <div class="inv-step">
+                    <div class="inv-step-t"><span class="inv-num">2</span> Customer’s explanation of the source</div>
+                    <textarea
+                      rows="2"
+                      [(ngModel)]="customerExplanation"
+                      placeholder="e.g. Proceeds of a flat sold in June; sale deed produced and matched to the deposit amount and date."
+                    ></textarea>
+                  </div>
+
+                  <!-- Step 3 — verification checklist -->
+                  <div class="inv-step">
+                    <div class="inv-step-t">
+                      <span class="inv-num">3</span> Verification checklist
+                      <span class="checklist-progress" [class.done]="allAnswered">
+                        {{ answeredCount }} / {{ strChecklist.length }} answered
+                      </span>
+                    </div>
+                    <table class="checklist-tbl">
+                      <thead>
+                        <tr>
+                          <th>Verification point</th>
+                          <th class="ta-c col-yes">Genuine</th>
+                          <th class="ta-c col-no">Not satisfied</th>
+                        </tr>
+                      </thead>
+                      <tbody>
+                        @for (item of strChecklist; track item.key) {
+                          <tr
+                            [class.row-yes]="strFindings[item.key] === true"
+                            [class.row-no]="strFindings[item.key] === false"
+                            [class.row-pending]="strFindings[item.key] === null"
+                          >
+                            <td>
+                              <div class="chk-label">{{ item.label }}</div>
+                              <div class="chk-hint">{{ item.hint }}</div>
+                            </td>
+                            <td class="ta-c">
+                              <button
+                                type="button"
+                                class="chk-box chk-box--yes"
+                                [class.on]="strFindings[item.key] === true"
+                                [attr.aria-label]="'Mark ' + item.label + ' as genuine'"
+                                (click)="setFinding(item.key, true)"
+                              >
+                                <fa-icon icon="check-circle"></fa-icon>
+                              </button>
+                            </td>
+                            <td class="ta-c">
+                              <button
+                                type="button"
+                                class="chk-box chk-box--no"
+                                [class.on]="strFindings[item.key] === false"
+                                [attr.aria-label]="'Mark ' + item.label + ' as not satisfied'"
+                                (click)="setFinding(item.key, false)"
+                              >
+                                <fa-icon icon="exclamation-triangle"></fa-icon>
+                              </button>
+                            </td>
+                          </tr>
+                        }
+                      </tbody>
+                    </table>
+                  </div>
+
+                  <!-- Derived outcome -->
+                  <div
+                    class="verdict"
+                    [class.verdict--clear]="canConcludeLocal && derivedConclusion === 'NOT_SUSPICIOUS'"
+                    [class.verdict--suspicious]="canConcludeLocal && derivedConclusion === 'SUSPICIOUS'"
+                  >
+                    @if (!canConcludeLocal) {
+                      <fa-icon icon="info-circle"></fa-icon>
+                      <span>
+                        Complete all three steps to determine the outcome.
+                        @if (!evidenceRecorded) {
+                          <span> Evidence not yet recorded.</span>
+                        }
+                        @if (!allAnswered) {
+                          <span> {{ strChecklist.length - answeredCount }} verification point(s) pending.</span>
+                        }
+                      </span>
+                    } @else if (derivedConclusion === 'NOT_SUSPICIOUS') {
+                      <fa-icon icon="check-circle"></fa-icon>
+                      <span>
+                        <strong>Source of funds established.</strong> Case closes as clean — the transaction stays in
+                        the CTR report and no STR is filed with FIU-IND.
+                      </span>
+                    } @else {
+                      <fa-icon icon="exclamation-triangle"></fa-icon>
+                      <span>
+                        <strong>Source of funds not established.</strong> {{ failedFindings.length }} point(s)
+                        unsatisfied — an STR will be filed with FIU-IND in addition to the CTR.
+                      </span>
+                    }
+                  </div>
+
+                  <button class="fiu-btn fiu-btn-xml" [disabled]="!canConcludeLocal" (click)="concludeLocalStr()">
+                    {{
+                      canConcludeLocal
+                        ? derivedConclusion === 'SUSPICIOUS'
+                          ? 'Conclude — file STR with FIU-IND'
+                          : 'Conclude — close as clean (CTR only)'
+                        : 'Conclude'
+                    }}
+                  </button>
                 </div>
               }
             </div>
@@ -871,8 +965,8 @@
         <div class="fiu-form-title">
           <h3>FINnet 2.0 Submission Files</h3>
           <p>
-            6 CSV files in FIU-IND prescribed schema, plus STR XML. Counts reflect any filters set on the CTR and
+            6 CSV files in FIU-IND prescribed schema, plus STR XML. Counts reflect any filters set on the CTR and STR
-            STR tabs, so every file in the bundle covers the same transactions.
+            tabs, so every file in the bundle covers the same transactions.
           </p>
         </div>
         <button class="fiu-btn fiu-btn-xls" (click)="exportAll()">

src/app/fiu/fiu.component.scss

@@ -386,6 +386,78 @@
   align-self: end;
 }
 
+/* CTR outcome 1: source of funds evidenced at the counter — CTR only. */
+.fiu-btn-evidence {
+  padding: 5px 10px;
+  font-size: 11px;
+  font-weight: 600;
+  color: var(--f-green);
+  border-color: var(--f-green);
+  background: var(--f-green-l);
+
+  &:hover {
+    background: var(--f-green);
+    border-color: var(--f-green);
+    color: #fff;
+  }
+}
+
+/* Inline evidence capture row inside the TC2 table. */
+.evidence-row td {
+  background: var(--f-green-l) !important;
+  padding: 0 !important;
+}
+
+.evidence-panel {
+  padding: 12px 16px;
+  border-left: 3px solid var(--f-green);
+}
+
+.evidence-t {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  font-size: 12px;
+  font-weight: 700;
+  color: #14532d;
+  margin-bottom: 10px;
+}
+
+.evidence-grid {
+  display: grid;
+  grid-template-columns: 2fr 1fr auto;
+  gap: 12px;
+  align-items: end;
+}
+
+.evidence-note {
+  margin: 8px 0 0;
+  font-size: 11px;
+  color: var(--f-g700);
+}
+
+@media (width <= 900px) {
+  .evidence-grid {
+    grid-template-columns: 1fr;
+  }
+}
+
+/* CTR outcome 2: evidence unavailable — refer the transaction onward to STR. */
+.fiu-btn-refer {
+  padding: 5px 10px;
+  font-size: 11px;
+  font-weight: 600;
+  color: var(--f-red);
+  border-color: var(--f-red);
+  background: var(--f-red-l);
+
+  &:hover {
+    background: var(--f-red);
+    border-color: var(--f-red);
+    color: #fff;
+  }
+}
+
 .fiu-link-btn {
   display: inline-block;
   margin-top: 3px;
@@ -708,6 +780,11 @@
     color: var(--f-amber);
   }
 
+  &.st-awaiting-filing {
+    background: #ffedd5;
+    color: #9a3412;
+  }
+
   &.st-filed {
     background: var(--f-green-l);
     color: var(--f-green);
@@ -1306,6 +1383,128 @@
   }
 }
 
+/* Concluded suspicious, still to be submitted on the FINnet portal. */
+.str-filing {
+  background: #fff7ed;
+  border: 1px solid #fdba74;
+  border-radius: 8px;
+  padding: 10px 14px;
+
+  label {
+    display: flex;
+    align-items: center;
+    gap: 6px;
+    font-size: 11px;
+    font-weight: 700;
+    color: #9a3412;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+  }
+}
+
+.filing-hint {
+  margin: 4px 0 8px;
+  font-size: 12px;
+  color: var(--f-g700);
+}
+
+.filing-row {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+
+  .fiu-inp {
+    max-width: 260px;
+  }
+}
+
+.str-filed-ack {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  background: var(--f-green-l);
+  border: 1px solid #86efac;
+  border-radius: 8px;
+  padding: 9px 14px;
+  font-size: 12px;
+  color: #14532d;
+}
+
+/* ── CTR-referred case: Principal Officer investigation workspace ───────── */
+.str-investigation {
+  margin-top: 12px;
+  border: 1px solid var(--f-purple);
+  border-radius: 10px;
+  background: #fdfcff;
+  display: flex;
+  flex-direction: column;
+  gap: 12px;
+  padding: 14px;
+}
+
+.inv-head {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  gap: 12px;
+  font-size: 12px;
+  font-weight: 700;
+  color: var(--f-purple);
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+}
+
+.inv-step {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+
+  textarea {
+    width: 100%;
+    padding: 8px 10px;
+    border-radius: 6px;
+    border: 1px solid var(--f-g300);
+    font-family: inherit;
+    font-size: 13px;
+  }
+}
+
+.inv-step-t {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  font-size: 13px;
+  font-weight: 700;
+  color: var(--f-g900);
+}
+
+.inv-num {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: 20px;
+  height: 20px;
+  border-radius: 50%;
+  background: var(--f-purple);
+  color: #fff;
+  font-size: 11px;
+  font-weight: 700;
+  flex-shrink: 0;
+}
+
+.inv-grid {
+  display: grid;
+  grid-template-columns: 2fr 1fr 1fr;
+  gap: 12px;
+}
+
+@media (width <= 900px) {
+  .inv-grid {
+    grid-template-columns: 1fr;
+  }
+}
+
 /* Derived verdict banner */
 .verdict {
   display: flex;
@@ -1350,3 +1549,301 @@
     color: var(--f-g500);
   }
 }
+
+/* ═══ WHEN TO REPORT — the five PMLA obligations ═══ */
+.ob-block {
+  margin: 18px 0 20px;
+}
+
+.ob-head {
+  margin-bottom: 12px;
+}
+
+.ob-title {
+  margin: 0;
+  font-size: 15px;
+  font-weight: 700;
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.ob-sub {
+  margin: 3px 0 0;
+  font-size: 12px;
+  color: #64748b;
+  max-width: 860px;
+}
+
+.ob-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
+  gap: 12px;
+}
+
+.ob-card {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-left: 4px solid #1a237e;
+  border-radius: 11px;
+  padding: 13px 15px;
+  display: flex;
+  flex-direction: column;
+  gap: 7px;
+
+  /* Obligations the module only tracks read back a shade quieter than the
+     two it actually files, so the distinction is visible at a glance. */
+  &--off {
+    border-left-color: #cbd5e1;
+    background: #fcfcfd;
+  }
+}
+
+.ob-card-h {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+}
+
+.ob-ic {
+  color: #1a237e;
+  font-size: 15px;
+}
+
+.ob-code {
+  font-weight: 800;
+  font-size: 13px;
+  letter-spacing: 0.02em;
+}
+
+.ob-name {
+  font-size: 12px;
+  color: #334155;
+  font-weight: 600;
+}
+
+.ob-flag {
+  margin-left: auto;
+  font-size: 10px;
+  font-weight: 700;
+  padding: 1px 8px;
+  border-radius: 999px;
+  background: #f1f5f9;
+  color: #64748b;
+  white-space: nowrap;
+
+  &--on {
+    background: #dcfce7;
+    color: #15803d;
+  }
+}
+
+.ob-row {
+  display: flex;
+  flex-direction: column;
+  gap: 1px;
+
+  label {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: #94a3b8;
+  }
+
+  span {
+    font-size: 12.5px;
+    color: #0f172a;
+    line-height: 1.45;
+  }
+}
+
+.ob-due {
+  font-weight: 700;
+  color: #b45309 !important;
+}
+
+.ob-note {
+  font-size: 11.5px;
+  color: #64748b;
+  font-style: italic;
+  border-top: 1px dashed #e2e8f0;
+  padding-top: 6px;
+}
+
+/* ═══ FINNET FILE SEQUENCE ═══ */
+.seq-block {
+  margin-top: 26px;
+  padding-top: 18px;
+  border-top: 2px solid #e2e8f0;
+}
+
+.seq-rail {
+  display: flex;
+  align-items: center;
+  gap: 4px;
+  flex-wrap: wrap;
+  margin-bottom: 14px;
+}
+
+.seq-step {
+  display: inline-flex;
+  align-items: center;
+  gap: 9px;
+  padding: 7px 13px;
+  border: 1px solid #cbd5e1;
+  background: #fff;
+  border-radius: 9px;
+  cursor: pointer;
+  font-family: inherit;
+  text-align: left;
+  transition: all 0.15s;
+
+  &:hover {
+    border-color: #1a237e;
+  }
+
+  &.active {
+    background: #1a237e;
+    border-color: #1a237e;
+
+    .seq-n {
+      background: #fff;
+      color: #1a237e;
+    }
+
+    .seq-txt strong,
+    .seq-txt em {
+      color: #fff;
+    }
+  }
+}
+
+.seq-n {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: 21px;
+  height: 21px;
+  border-radius: 50%;
+  background: #1a237e;
+  color: #fff;
+  font-size: 11px;
+  font-weight: 800;
+  flex: 0 0 21px;
+}
+
+.seq-txt {
+  display: flex;
+  flex-direction: column;
+  line-height: 1.25;
+
+  strong {
+    font-size: 12.5px;
+    color: #0f172a;
+    font-weight: 700;
+  }
+
+  em {
+    font-size: 10.5px;
+    color: #64748b;
+    font-style: normal;
+  }
+}
+
+.seq-arrow {
+  color: #cbd5e1;
+  font-size: 11px;
+}
+
+.seq-panel {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 11px;
+  overflow: hidden;
+}
+
+.seq-panel-h {
+  display: flex;
+  justify-content: space-between;
+  align-items: flex-start;
+  gap: 16px;
+  padding: 12px 16px;
+  background: #f8fafc;
+  border-bottom: 1px solid #e2e8f0;
+  flex-wrap: wrap;
+
+  h4 {
+    margin: 0;
+    font-size: 13.5px;
+    font-weight: 700;
+  }
+
+  p {
+    margin: 2px 0 0;
+    font-size: 12px;
+    color: #64748b;
+    max-width: 780px;
+  }
+}
+
+.seq-tbl-wrap {
+  max-height: 460px;
+  overflow: auto;
+}
+
+.seq-tbl {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 11.5px;
+  white-space: nowrap;
+
+  th {
+    position: sticky;
+    top: 0;
+    z-index: 1;
+    text-align: left;
+    padding: 8px 10px;
+    background: #eef2f7;
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.03em;
+    color: #334155;
+    border-bottom: 1px solid #cbd5e1;
+  }
+
+  td {
+    padding: 6px 10px;
+    border-bottom: 1px solid #f1f5f9;
+    font-family: 'DM Mono', monospace;
+    color: #0f172a;
+  }
+
+  tbody tr:hover td {
+    background: #f8fafc;
+  }
+}
+
+.seq-rownum {
+  color: #94a3b8 !important;
+  font-weight: 700;
+  text-align: right;
+  position: sticky;
+  left: 0;
+  background: #fff;
+}
+
+.seq-tbl thead .seq-rownum {
+  background: #eef2f7;
+}
+
+.seq-empty {
+  padding: 36px !important;
+  text-align: center;
+  color: #64748b;
+  font-family: inherit !important;
+  white-space: normal;
+  font-size: 12.5px;
+}

src/app/fiu/fiu.component.ts

@@ -13,9 +13,14 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { AmlService } from 'app/aml/aml.service';
 import { AuthenticationService } from 'app/core/authentication/authentication.service';
 import {
+  BRANCHES,
+  BranchMaster,
+  CardTransaction,
   CtrTransaction,
   CTR_TXNS,
+  TC1_TXNS,
   FIU_BANK,
+  FIU_BRANCH_CODE_TO_CANONICAL,
   KC1_INDIVIDUALS,
   KC2_ENTITIES,
   KycEntity,
@@ -26,6 +31,90 @@ import {
   STR_TXNS
 } from './fiu-data';
 
+/** A FINnet file rendered as a grid — the same rows that go into the CSV. */
+export interface FinnetTable {
+  headers: string[];
+  rows: string[][];
+}
+
+export interface FinnetFile {
+  key: string;
+  /** File name without the extension, as FIU-IND names it. */
+  name: string;
+  /** Position in the prescribed submission order. */
+  step: number;
+  title: string;
+  purpose: string;
+  table: FinnetTable;
+}
+
+/**
+ * The five reports a reporting entity owes FIU-IND under the PMLA, with the
+ * trigger for each. All of them are filed electronically through FINnet 2.0.
+ */
+export interface FiuObligation {
+  code: string;
+  name: string;
+  trigger: string;
+  deadline: string;
+  icon: string;
+  /** Whether this module currently files the report or only tracks the rule. */
+  handled: boolean;
+  note: string;
+}
+
+export const FIU_OBLIGATIONS: FiuObligation[] = [
+  {
+    code: 'CTR',
+    name: 'Cash Transaction Report',
+    trigger:
+      'Cash transactions exceeding ₹10,00,000 in a calendar month — a single transaction or a series of connected ones.',
+    deadline: 'By the 15th of the following month',
+    icon: 'coins',
+    handled: true,
+    note: 'Filed from the CTR tab as the six-file FINnet bundle.'
+  },
+  {
+    code: 'STR',
+    name: 'Suspicious Transaction Report',
+    trigger:
+      'Any transaction that gives rise to a reasonable ground of suspicion of money laundering or a related offence — regardless of amount, and whether or not it was completed.',
+    deadline: 'Within 7 working days of forming the suspicion',
+    icon: 'exclamation-triangle',
+    handled: true,
+    note: 'Filed from the STR tab as FINnet STR XML.'
+  },
+  {
+    code: 'CBWTR',
+    name: 'Cross-Border Wire Transfer Report',
+    trigger:
+      'Cross-border wire transfers exceeding ₹5,00,000, where the origin or destination of the funds is outside India.',
+    deadline: 'By the 15th of the following month',
+    icon: 'globe',
+    handled: false,
+    note: 'Not applicable — this bank holds no AD licence and books no cross-border wires.'
+  },
+  {
+    code: 'CCR',
+    name: 'Counterfeit Currency Report',
+    trigger:
+      'Any forged or counterfeit currency note detected, at the counter or in a remittance. No monetary threshold applies.',
+    deadline: 'By the 15th of the following month',
+    icon: 'money-bill-wave',
+    handled: false,
+    note: 'Raised from the branch counterfeit-note register; not yet wired into this module.'
+  },
+  {
+    code: 'NTR',
+    name: 'Non-Profit Organisation Transaction Report',
+    trigger: 'Receipts by a non-profit organisation exceeding ₹10,00,000, or its equivalent in foreign currency.',
+    deadline: 'By the 15th of the following month',
+    icon: 'hand-holding-heart',
+    handled: false,
+    note: 'Depends on NPO flagging in the customer master; not yet wired into this module.'
+  }
+];
+
 @Component({
   selector: 'mifosx-fiu',
   templateUrl: './fiu.component.html',
@@ -45,12 +134,29 @@ export class FiuComponent implements OnInit {
   /** Active tab */
   activeTab: 'dashboard' | 'ctr' | 'str' | 'customers' | 'files' = 'dashboard';
 
+  /** The five PMLA reporting obligations, shown on the FIU landing tab. */
+  readonly obligations = FIU_OBLIGATIONS;
+
   bank = FIU_BANK;
   ctrTxns: CtrTransaction[] = CTR_TXNS;
+  tc1Txns: CardTransaction[] = TC1_TXNS;
   strTxns: StrTransaction[] = STR_TXNS;
   kc1: KycIndividual[] = KC1_INDIVIDUALS;
   kc2: KycEntity[] = KC2_ENTITIES;
 
+  // -------------------- Head Office vs Branch scope --------------------
+  // CTR/STR filing itself is a bank-wide Principal-Officer function (one filing for the whole
+  // bank, not per branch), but the underlying cash transactions a branch's own staff work
+  // (evidence capture, referral) are still branch-attributable — scoped the same way every other
+  // report in the app splits Head Office (sees everything, can drill into one branch) vs a
+  // branch-level login (locked to its own branch).
+  readonly branches = BRANCHES;
+  isHeadOffice = false;
+  currentOfficeName = 'Branch Office';
+  private ownBranchCode: string | null = null;
+  /** '' = All Branches (Head Office consolidated view); otherwise a BranchMaster.code. */
+  branchFilter = '';
+
   /** CTR filters */
   ctrFilterMode: '' | 'Deposit' | 'Withdrawal' = '';
   ctrFilterAccount = '';
@@ -135,6 +241,54 @@ export class FiuComponent implements OnInit {
   /** null = not yet answered, true = genuine, false = not satisfied. */
   strFindings: Record<string, boolean | null> = {};
 
+  // ── Investigation of a CTR-referred STR case ───────────────────────────────
+  /** The local STR card currently under investigation, if any. */
+  investigatingStr: StrTransaction | null = null;
+
+  /** Documents the Principal Officer can call for to evidence the source of funds. */
+  readonly evidenceDocTypes: string[] = [
+    'Sale deed / agreement for immovable property',
+    'Salary slips and Form 16',
+    'Audited financials / ITR of the business',
+    'Loan sanction or disbursement letter',
+    'Gift deed with donor PAN and relationship proof',
+    'Maturity advice of a deposit or insurance policy',
+    'Sale bill for gold, vehicle or other asset',
+    'Agricultural income certificate / mandi receipts',
+    'No document produced by the customer'
+  ];
+
+  evidenceDocType = '';
+  evidenceReceived: 'YES' | 'PARTIAL' | 'NO' | '' = '';
+  evidenceReference = '';
+  customerExplanation = '';
+
+  /** Opens the investigation panel for a CTR-referred case with a clean slate. */
+  investigateLocalStr(rec: StrTransaction): void {
+    this.investigatingStr = rec;
+    this.selectedStrCase = null;
+    this.resetChecklist();
+    this.evidenceDocType = '';
+    this.evidenceReceived = '';
+    this.evidenceReference = '';
+    this.customerExplanation = '';
+    this.concludeInvestigationNotes = '';
+    this.concludeSourceOfFundsNotes = '';
+  }
+
+  closeLocalStrInvestigation(): void {
+    this.investigatingStr = null;
+  }
+
+  /** Documentary evidence is a precondition for clearing a case, not an optional note. */
+  get evidenceRecorded(): boolean {
+    return !!this.evidenceDocType && !!this.evidenceReceived;
+  }
+
+  get canConcludeLocal(): boolean {
+    return this.evidenceRecorded && this.allAnswered && !!this.customerExplanation.trim();
+  }
+
   private resetChecklist(): void {
     this.strFindings = {};
     for (const item of this.strChecklist) {
@@ -175,6 +329,18 @@ export class FiuComponent implements OnInit {
   }
 
   ngOnInit(): void {
+    const creds = this.authenticationService.getCredentials();
+    this.isHeadOffice = this.authenticationService.isHeadOfficeUser();
+    this.currentOfficeName = creds?.officeName || 'Branch Office';
+    if (this.isHeadOffice) {
+      this.branchFilter = '';
+    } else {
+      this.ownBranchCode =
+        this.branches.find((b: BranchMaster) => this.currentOfficeName.toLowerCase().includes(b.name.toLowerCase()))
+          ?.code || null;
+      this.branchFilter = this.ownBranchCode || this.branches[0].code;
+    }
+
     this.loadAmlAlerts();
     this.loadAmlCtrReports();
     this.loadAmlStrCases();
@@ -202,14 +368,51 @@ export class FiuComponent implements OnInit {
     }
   }
 
-  whitelistCtrTxn(txn: CtrTransaction): void {
+  // ── CTR-side evidence capture ──────────────────────────────────────────────
-    txn.complianceStatus = 'WHITELISTED';
+  /** Transaction whose source-of-funds evidence is being recorded, if any. */
-    localStorage.setItem('fiu_ctr_txns', JSON.stringify(this.ctrTxns));
+  evidencingTxn: CtrTransaction | null = null;
-    this.toast(`Transaction for ${txn.customerName} whitelisted — stays in the CTR report only`);
+  ctrEvidenceDocType = '';
+  ctrEvidenceRef = '';
+
+  startCtrEvidence(txn: CtrTransaction): void {
+    this.evidencingTxn = txn;
+    this.ctrEvidenceDocType = '';
+    this.ctrEvidenceRef = '';
   }
 
-  flagCtrTxnSuspicious(txn: CtrTransaction): void {
+  cancelCtrEvidence(): void {
-    txn.complianceStatus = 'SUSPICIOUS';
+    this.evidencingTxn = null;
+  }
+
+  /**
+   * Records that the source of funds was evidenced at the counter. This is a
+   * documentation step, not a suspicion verdict — the transaction is reported in
+   * the CTR either way; recording evidence simply means no STR referral is needed.
+   */
+  confirmCtrEvidence(): void {
+    const txn = this.evidencingTxn;
+    if (!txn) {
+      return;
+    }
+    if (!this.ctrEvidenceDocType) {
+      this.toast('Select the document that evidences the source of funds');
+      return;
+    }
+    txn.complianceStatus = 'EVIDENCED';
+    txn.evidenceDocType = this.ctrEvidenceDocType;
+    txn.evidenceReference = this.ctrEvidenceRef.trim();
+    txn.evidencedOn = new Date().toLocaleDateString('en-GB').replace(/\//g, '-');
+    localStorage.setItem('fiu_ctr_txns', JSON.stringify(this.ctrTxns));
+    this.evidencingTxn = null;
+    this.toast(`${txn.customerName} — evidence recorded. Reported in CTR only, no STR referral.`);
+  }
+
+  /**
+   * Referral to STR. Used when the source of funds could not be evidenced; the
+   * Principal Officer then investigates and decides whether to file with FIU-IND.
+   */
+  referCtrTxnToStr(txn: CtrTransaction): void {
+    txn.complianceStatus = 'REFERRED';
     localStorage.setItem('fiu_ctr_txns', JSON.stringify(this.ctrTxns));
 
     const newRef = Math.max(100, ...this.strTxns.map((s) => s.reportRefNo)) + 1;
@@ -222,34 +425,112 @@ export class FiuComponent implements OnInit {
       riskCategory: 'unusual-pattern',
       narrative:
         `Cash ${txn.depositOrWithdrawal.toLowerCase()} of ₹${txn.txnAmount.toLocaleString('en-IN')} breached the ` +
-        `₹${this.bank.cashThreshold.toLocaleString('en-IN')} CTR limit and was flagged as suspicious by the AML Officer. ` +
+        `₹${this.bank.cashThreshold.toLocaleString('en-IN')} CTR limit and genuine evidence of the source of funds ` +
-        `Referred to the Principal Officer to establish whether the source of funds is legitimate or linked to terror financing.`,
+        `could not be established at the branch. Referred to the Principal Officer for investigation.`,
       status: 'po-review',
       poFinding: undefined
     };
 
     this.strTxns.unshift(newStrCase);
     localStorage.setItem('fiu_str_cases', JSON.stringify(this.strTxns));
-    this.toast(`STR-${newRef} opened for ${txn.customerName} — awaiting Principal Officer investigation`);
+    this.toast(`${txn.customerName} referred to STR-${newRef} — awaiting Principal Officer investigation`);
   }
 
-  /** Principal Officer closes an STR case as legitimate, or confirms it and files an STR. */
+  /**
-  concludeLocalStr(rec: StrTransaction, finding: PoFinding): void {
+   * Concludes a CTR-referred case. The verdict follows the evidence and the
+   * verification checklist rather than a free choice, and the full trail is written
+   * into the case remarks so the filing carries its own justification.
+   */
+  concludeLocalStr(): void {
+    const rec = this.investigatingStr;
+    if (!rec) {
+      return;
+    }
+    if (!this.evidenceRecorded) {
+      this.toast('Record which document was called for and whether it was produced');
+      return;
+    }
+    if (!this.customerExplanation.trim()) {
+      this.toast('Record the explanation the customer gave for the source of funds');
+      return;
+    }
+    if (!this.allAnswered) {
+      this.toast(`Answer all verification points — ${this.strChecklist.length - this.answeredCount} still pending`);
+      return;
+    }
+
+    const finding: PoFinding = this.derivedConclusion === 'SUSPICIOUS' ? 'SUSPICIOUS' : 'CLEAN';
+    const failed = this.failedFindings;
+    const evidenceLine =
+      `Document called for: ${this.evidenceDocType}. Produced: ${this.evidenceReceived}` +
+      (this.evidenceReference.trim() ? ` (ref ${this.evidenceReference.trim()})` : '') +
+      '.';
+    const explanationLine = `Customer's explanation: ${this.customerExplanation.trim()}`;
+
     rec.poFinding = finding;
     if (finding === 'CLEAN') {
       rec.status = 'rejected';
       rec.poRemarks =
-        'Source-of-funds documentation reviewed and verified by the Principal Officer. No link to terror financing or ' +
+        `${evidenceLine} ${explanationLine} All ${this.strChecklist.length} verification points found genuine, ` +
-        'any other predicate offence. Case closed — no STR filed with FIU-IND.';
+        `so the source of funds is established. Case closed — the transaction remains in the CTR report and no STR ` +
-      this.toast(`STR-${rec.reportRefNo} closed as clean — no STR filed`);
+        `is filed with FIU-IND.`;
+      // The originating CTR row must stop advertising a live STR once cleared.
+      const origin = this.ctrTxns.find((t) => t.txnId === rec.txnId);
+      if (origin) {
+        origin.complianceStatus = 'EVIDENCED';
+        origin.evidenceDocType = this.evidenceDocType;
+        origin.evidenceReference = this.evidenceReference.trim();
+        origin.evidencedOn = new Date().toLocaleDateString('en-GB').replace(/\//g, '-');
+        localStorage.setItem('fiu_ctr_txns', JSON.stringify(this.ctrTxns));
+      }
+      this.toast(`STR-${rec.reportRefNo} closed as clean — CTR only, no STR filed`);
     } else {
-      rec.status = 'filed';
+      // Concluding suspicious does not file anything — the STR still has to be
+      // submitted on the FINnet portal and its acknowledgement recorded.
+      rec.status = 'awaiting-filing';
       rec.poRemarks =
-        'Principal Officer investigation could not establish a legitimate source of funds. STR filed with FIU-IND under ' +
+        `${evidenceLine} ${explanationLine} ${failed.length} of ${this.strChecklist.length} verification points not ` +
-        'PMLA s.12 within the 7-day window; account placed under enhanced monitoring and reported to the Nodal Officer.';
+        `satisfied: ${failed.map((f) => f.label).join('; ')}. Source of funds not established — STR to be filed with ` +
-      this.toast(`STR-${rec.reportRefNo} confirmed suspicious — filed with FIU-IND`);
+        `FIU-IND under PMLA s.12 within 7 days and the account placed under enhanced monitoring.`;
+      this.toast(`STR-${rec.reportRefNo} concluded suspicious — now awaiting submission to FIU-IND`);
     }
     localStorage.setItem('fiu_str_cases', JSON.stringify(this.strTxns));
+    this.investigatingStr = null;
+  }
+
+  /** Acknowledgement number captured against a case awaiting submission. */
+  localFileRefs: Record<number, string> = {};
+
+  /**
+   * Records that the STR was actually submitted on the FINnet portal. Only this
+   * step moves a case to "filed" and counts it in the filed KPI.
+   */
+  fileLocalStr(rec: StrTransaction): void {
+    const ref = (this.localFileRefs[rec.reportRefNo] || '').trim();
+    if (!ref) {
+      this.toast('Enter the FIU-IND acknowledgement number received on the FINnet portal');
+      return;
+    }
+    rec.status = 'filed';
+    rec.fiuReferenceNo = ref;
+    rec.filedOn = new Date().toLocaleDateString('en-GB').replace(/\//g, '-');
+    rec.poRemarks = `${rec.poRemarks ?? ''} Submitted to FIU-IND on ${rec.filedOn}; acknowledgement ${ref}.`.trim();
+    localStorage.setItem('fiu_str_cases', JSON.stringify(this.strTxns));
+    this.toast(`STR-${rec.reportRefNo} filed with FIU-IND — acknowledgement ${ref}`);
+  }
+
+  /** Generates the FINnet STR XML for one case, ready to upload to the portal. */
+  exportSingleStrXml(rec: StrTransaction): void {
+    const saved = this.strFilterStatus;
+    const savedRisk = this.strFilterRisk;
+    // Temporarily narrow the export to this case only, then restore the filters.
+    this.strFilterStatus = '';
+    this.strFilterRisk = '';
+    const only = [rec];
+    this.writeStrXml(only, `STR-${rec.reportRefNo}-${rec.customerName ?? 'case'}.xml`);
+    this.strFilterStatus = saved;
+    this.strFilterRisk = savedRisk;
+    this.toast(`STR-${rec.reportRefNo} XML generated — upload it on the FINnet portal`);
   }
 
   poFindingLabel(finding: PoFinding): string {
@@ -363,12 +644,7 @@ export class FiuComponent implements OnInit {
       : `${this.concludeInvestigationNotes.trim()}\n\nAll ${this.strChecklist.length} verification points found genuine.`;
 
     this.amlService
-      .concludeStrCase(
+      .concludeStrCase(this.selectedStrCase.id, this.concludeConclusion, notes, this.concludeSourceOfFundsNotes)
-        this.selectedStrCase.id,
-        this.concludeConclusion,
-        notes,
-        this.concludeSourceOfFundsNotes
-      )
       .subscribe({
         next: (updated) => {
           this.toast(
@@ -406,16 +682,16 @@ export class FiuComponent implements OnInit {
   }
 
   /**
-   * Where a live AML alert will end up once triaged — drives the "Routes To" column.
+   * Where a live AML alert stands — drives the "Routes To" column.
-   * `isCtrRule` distinguishes mechanical CTR-threshold alerts (whitelisting just keeps them
+   * Whitelisting is an STR-side decision, so a CTR alert can only be pending or
-   * in the CTR file) from behavioral alerts (whitelisting clears them with no report at all).
+   * referred onward. Historic WHITELISTED rows are still rendered for the record.
    */
   alertRouteLabel(status: string, isCtrRule: boolean = true): string {
     switch (status) {
       case 'WHITELISTED':
         return isCtrRule ? 'CTR only' : 'Cleared';
       case 'ESCALATED':
-        return '→ STR';
+        return isCtrRule ? 'Referred to STR' : '→ STR';
       default:
         return 'Pending';
     }
@@ -450,27 +726,27 @@ export class FiuComponent implements OnInit {
     this.resetStrFilters();
     this.highlightedStrRef = match.reportRefNo;
     setTimeout(() => {
-      document
+      document.getElementById(`str-card-${match.reportRefNo}`)?.scrollIntoView({ behavior: 'smooth', block: 'center' });
-        .getElementById(`str-card-${match.reportRefNo}`)
-        ?.scrollIntoView({ behavior: 'smooth', block: 'center' });
     });
   }
 
   // -------------------- KPIs --------------------
   get totalReports(): number {
-    return new Set(this.ctrTxns.map((t) => t.reportRefNo)).size;
+    return new Set(this.scopedCtrTxns.map((t) => t.reportRefNo)).size;
   }
   get totalCtrTxns(): number {
-    return this.ctrTxns.length;
+    return this.scopedCtrTxns.length;
   }
   get totalCtrAmount(): number {
-    return this.ctrTxns.reduce((s, t) => s + t.txnAmount, 0);
+    return this.scopedCtrTxns.reduce((s, t) => s + t.txnAmount, 0);
   }
   get pendingStr(): number {
-    return this.strTxns.filter((s) => s.status === 'draft' || s.status === 'po-review').length;
+    return this.scopedStrTxns.filter(
+      (s) => s.status === 'draft' || s.status === 'po-review' || s.status === 'awaiting-filing'
+    ).length;
   }
   get filedStr(): number {
-    return this.strTxns.filter((s) => s.status === 'filed').length;
+    return this.scopedStrTxns.filter((s) => s.status === 'filed').length;
   }
 
   // ── Live STR case counts (backend `amlStrCases`) — these are the cases the
@@ -496,19 +772,65 @@ export class FiuComponent implements OnInit {
   }
 
   get ctrAlerts(): any[] {
-    const ctrRuleCodes = ['CTR_THRESHOLD_10L', 'STRUCTURED_CTR_10L_MONTHLY', 'LARGE_CASH_TXN_25L'];
+    const ctrRuleCodes = [
+      'CTR_THRESHOLD_10L',
+      'STRUCTURED_CTR_10L_MONTHLY',
+      'LARGE_CASH_TXN_25L'
+    ];
     return this.amlAlerts.filter((a) => ctrRuleCodes.includes(a.ruleCode));
   }
 
   get amlSuspiciousAlerts(): any[] {
-    const ctrRuleCodes = ['CTR_THRESHOLD_10L', 'STRUCTURED_CTR_10L_MONTHLY', 'LARGE_CASH_TXN_25L'];
+    const ctrRuleCodes = [
+      'CTR_THRESHOLD_10L',
+      'STRUCTURED_CTR_10L_MONTHLY',
+      'LARGE_CASH_TXN_25L'
+    ];
     return this.amlAlerts.filter((a) => !ctrRuleCodes.includes(a.ruleCode));
   }
 
+  // -------------------- Head Office vs Branch scope --------------------
+  /** Maps a FINnet-style internal branch code to the app-wide canonical branch code. */
+  private canonicalBranchOf(branchCode: string): string | undefined {
+    return FIU_BRANCH_CODE_TO_CANONICAL[branchCode];
+  }
+
+  /** Branch name for a row's raw FINnet branch code, for display alongside the code itself. */
+  branchNameFor(branchCode: string): string {
+    const canonical = this.canonicalBranchOf(branchCode);
+    return this.branches.find((b) => b.code === canonical)?.name || '';
+  }
+
+  setBranch(code: string): void {
+    this.branchFilter = code;
+  }
+
+  /** Name of the branch/scope currently being viewed, for display in the header. */
+  get scopeName(): string {
+    if (!this.isHeadOffice) {
+      return this.currentOfficeName;
+    }
+    return this.branchFilter
+      ? this.branches.find((b) => b.code === this.branchFilter)?.name || ''
+      : 'All Branches (Consolidated)';
+  }
+
+  get scopedCtrTxns(): CtrTransaction[] {
+    return this.branchFilter
+      ? this.ctrTxns.filter((t) => this.canonicalBranchOf(t.branchCode) === this.branchFilter)
+      : this.ctrTxns;
+  }
+
+  get scopedStrTxns(): StrTransaction[] {
+    return this.branchFilter
+      ? this.strTxns.filter((s) => this.canonicalBranchOf(s.branchCode) === this.branchFilter)
+      : this.strTxns;
+  }
+
   // -------------------- Filtered lists --------------------
   get filteredCtr(): CtrTransaction[] {
     const acc = this.ctrFilterAccount.trim();
-    return this.ctrTxns.filter((t) => {
+    return this.scopedCtrTxns.filter((t) => {
       if (this.ctrFilterMode && t.depositOrWithdrawal !== this.ctrFilterMode) return false;
       if (acc && !t.accountNumber.includes(acc)) return false;
       if (this.ctrFilterMinAmount > 0 && t.txnAmount < this.ctrFilterMinAmount) return false;
@@ -516,8 +838,19 @@ export class FiuComponent implements OnInit {
     });
   }
 
+  /** ATM / card legs under the same scope controls, so TC1 and TC2 stay in step. */
+  get filteredTc1(): CardTransaction[] {
+    const acc = this.ctrFilterAccount.trim();
+    return this.tc1Txns.filter((c) => {
+      if (this.ctrFilterMode && c.depositOrWithdrawal !== this.ctrFilterMode) return false;
+      if (acc && !c.accountNumber.includes(acc)) return false;
+      if (this.ctrFilterMinAmount > 0 && c.txnAmount < this.ctrFilterMinAmount) return false;
+      return true;
+    });
+  }
+
   get filteredStr(): StrTransaction[] {
-    return this.strTxns.filter((s) => {
+    return this.scopedStrTxns.filter((s) => {
       if (this.strFilterStatus && s.status !== this.strFilterStatus) return false;
       if (this.strFilterRisk && s.riskCategory !== this.strFilterRisk) return false;
       return true;
@@ -544,7 +877,14 @@ export class FiuComponent implements OnInit {
 
   // -------------------- Helpers --------------------
   statusLabel(s: StrStatus): string {
-    return s === 'draft' ? 'Draft' : s === 'po-review' ? 'PO Review' : s === 'filed' ? 'Filed' : 'Rejected';
+    const map: Record<StrStatus, string> = {
+      draft: 'Draft',
+      'po-review': 'PO Review',
+      'awaiting-filing': 'Awaiting Filing',
+      filed: 'Filed',
+      rejected: 'Closed — Clean'
+    };
+    return map[s] ?? s;
   }
   riskLabel(c: StrTransaction['riskCategory']): string {
     const map: Record<StrTransaction['riskCategory'], string> = {
@@ -558,9 +898,14 @@ export class FiuComponent implements OnInit {
     return map[c];
   }
 
-  // -------------------- Exports --------------------
+  // -------------------- FINnet file builders --------------------
-  /** TC2 — Branch / cash transaction CSV */
+  /**
-  exportTc2(): void {
+   * Each FINnet file is built once, here, and used for both the on-screen
+   * preview and the CSV download. Keeping a single builder per file is what
+   * guarantees the branch sees on screen exactly what is submitted — the two
+   * used to be written out separately, which let them drift.
+   */
+  private buildTc2(): FinnetTable {
     const headers = [
       'Report Type',
       'Report Reference Number',
@@ -579,7 +924,7 @@ export class FiuComponent implements OnInit {
       'Third Party PAN (Non-Customer)',
       'Declaration (If Third Party PAN (Non-Customer) is not available)'
     ];
-    const rows = [headers];
+    const rows: string[][] = [];
     for (const t of this.filteredCtr) {
       rows.push([
         t.reportType,
@@ -600,12 +945,11 @@ export class FiuComponent implements OnInit {
         t.declaration
       ]);
     }
-    this.saveCsv(rows, 'TC2.csv');
+    return { headers, rows };
-    this.toast(`TC2 exported (${this.filteredCtr.length} rows)`);
   }
 
-  /** TC1 header-only template (UI doesn't track ATM/card txns) */
+  /** TC1 — ATM / card transactions. Header-only: this bank books no card txns. */
-  exportTc1(): void {
+  private buildTc1(): FinnetTable {
     const headers = [
       'Relationship Flag',
       'Transaction Status',
@@ -626,12 +970,34 @@ export class FiuComponent implements OnInit {
       'Branch Code of Account',
       'Report Type'
     ];
-    this.saveCsv([headers], 'TC1.csv');
+    const rows: string[][] = [];
-    this.toast('TC1 template exported (header only)');
+    for (const c of this.filteredTc1) {
+      rows.push([
+        c.relationshipFlag,
+        c.txnStatus,
+        c.txnId.toString(),
+        c.txnDate.replace(/-/g, '/'),
+        c.txnTime,
+        c.depositOrWithdrawal,
+        c.txnAmount.toString(),
+        c.accountNumber,
+        c.accountType,
+        c.cardType,
+        c.cardNumber,
+        c.cardIssuingCountry,
+        c.cardIssuingBank,
+        c.reportRefNo.toString(),
+        c.switchTxnId,
+        c.atmId,
+        c.branchCode,
+        c.reportType
+      ]);
+    }
+    return { headers, rows };
   }
 
   /** KC1 — Individual customers */
-  exportKc1(): void {
+  private buildKc1(): FinnetTable {
     const headers = [
       'Report Reference Number',
       'UCIC',
@@ -678,7 +1044,7 @@ export class FiuComponent implements OnInit {
       'Other Identifier Number',
       'Primary Entity'
     ];
-    const rows = [headers];
+    const rows: string[][] = [];
     for (const k of this.kc1) {
       rows.push([
         k.reportRefNo.toString(),
@@ -727,12 +1093,11 @@ export class FiuComponent implements OnInit {
         'Yes'
       ]);
     }
-    this.saveCsv(rows, 'KC1.csv');
+    return { headers, rows };
-    this.toast(`KC1 exported (${this.kc1.length} individuals)`);
   }
 
   /** KC2 — Entity customers */
-  exportKc2(): void {
+  private buildKc2(): FinnetTable {
     const headers = [
       'Report Reference Number',
       'UCIC',
@@ -767,7 +1132,7 @@ export class FiuComponent implements OnInit {
       'UCIC of Owner of Sole Proprietor Firm',
       'Name of Owner of Sole Proprietor Firm'
     ];
-    const rows = [headers];
+    const rows: string[][] = [];
     for (const k of this.kc2) {
       rows.push([
         k.reportRefNo.toString(),
@@ -804,12 +1169,11 @@ export class FiuComponent implements OnInit {
         k.ownerName
       ]);
     }
-    this.saveCsv(rows, 'KC2.csv');
+    return { headers, rows };
-    this.toast(`KC2 exported (${this.kc2.length} entities)`);
   }
 
-  /** Account_Detail.csv — per-report account aggregates (12-month) */
+  /** Account_Detail — per-report account aggregates (12-month) */
-  exportAccountDetail(): void {
+  private buildAccountDetail(): FinnetTable {
     const headers = [
       'Report Type',
       'Report Reference Number',
@@ -828,7 +1192,7 @@ export class FiuComponent implements OnInit {
       'Total Cash Deposit (In last 12 months)',
       'Total Cash Withdrawal (In last 12 months) Amount'
     ];
-    const rows = [headers];
+    const rows: string[][] = [];
     // Build one aggregate row per (reportRefNo, accountNumber) pair
     const seen = new Set<string>();
     for (const t of this.filteredCtr) {
@@ -866,12 +1230,11 @@ export class FiuComponent implements OnInit {
           .toString()
       ]);
     }
-    this.saveCsv(rows, 'Account_Detail.csv');
+    return { headers, rows };
-    this.toast(`Account_Detail exported (${rows.length - 1} accounts)`);
   }
 
-  /** Account_Person_Relation.csv — account ↔ customer mapping */
+  /** Account_Person_Relation — account ↔ customer mapping */
-  exportAccountPersonRelation(): void {
+  private buildAccountPersonRelation(): FinnetTable {
     const headers = [
       'Report Type',
       'Report Reference Number',
@@ -882,7 +1245,7 @@ export class FiuComponent implements OnInit {
       'Individual / Non-individual',
       'Name of Non-customer'
     ];
-    const rows = [headers];
+    const rows: string[][] = [];
     const seen = new Set<string>();
     for (const t of this.filteredCtr) {
       const key = `${t.reportRefNo}|${t.accountNumber}`;
@@ -901,8 +1264,145 @@ export class FiuComponent implements OnInit {
         t.relationshipFlag === 'Non-Customer' ? t.customerName || '' : ''
       ]);
     }
-    this.saveCsv(rows, 'Account_Person_Relation.csv');
+    return { headers, rows };
-    this.toast(`Account_Person_Relation exported (${rows.length - 1} rows)`);
+  }
+
+  // -------------------- FINnet file sequence --------------------
+
+  /**
+   * The six CTR files in the order FIU-IND expects them: the account is
+   * described first, then who is behind it, then the transactions, and finally
+   * the customer cards those transactions belong to.
+   */
+  private get allFinnetFiles(): FinnetFile[] {
+    return [
+      {
+        key: 'account-detail',
+        name: 'Account_Detail',
+        step: 1,
+        title: 'Account Detail',
+        purpose:
+          'One row per reported account — status, opening date and the 12-month debit, credit and cash aggregates.',
+        table: this.buildAccountDetail()
+      },
+      {
+        key: 'account-person-relation',
+        name: 'Account_Person_Relation',
+        step: 2,
+        title: 'Account ↔ Person Relation',
+        purpose:
+          'Links each account to the customers behind it, with the relationship type and whether they are an individual or an entity.',
+        table: this.buildAccountPersonRelation()
+      },
+      {
+        key: 'tc1',
+        name: 'TC1',
+        step: 3,
+        title: 'TC1 — ATM / Card Transactions',
+        purpose:
+          'The card-rail leg of the same CTR: ATM withdrawals, recycler deposits and declined attempts. An ATM cash withdrawal is still cash, so it counts towards the customer’s monthly aggregate alongside TC2.',
+        table: this.buildTc1()
+      },
+      {
+        key: 'tc2',
+        name: 'TC2',
+        step: 4,
+        title: 'TC2 — Branch / Cash Transactions',
+        purpose: 'The transaction detail itself — every cash transaction that put the account over the CTR threshold.',
+        table: this.buildTc2()
+      },
+      {
+        key: 'kc1',
+        name: 'KC1',
+        step: 5,
+        title: 'KC1 — Individual Customer Cards',
+        purpose: 'Full KYC card for every individual named in the report: identifiers, address, income, risk level.',
+        table: this.buildKc1()
+      },
+      {
+        key: 'kc2',
+        name: 'KC2',
+        step: 6,
+        title: 'KC2 — Entity Customer Cards',
+        purpose: 'The same for non-individuals: firms, HUFs and societies, with GSTIN and sole-proprietor ownership.',
+        table: this.buildKc2()
+      }
+    ];
+  }
+
+  /**
+   * The files walked through in the CTR tab: account, then who is behind it,
+   * then the two transaction files. The customer cards are excluded here and
+   * live on the Customer Cards tab instead, though they still travel with the
+   * full bundle.
+   */
+  get finnetSequence(): FinnetFile[] {
+    return this.allFinnetFiles.filter((f) => f.key !== 'kc1' && f.key !== 'kc2');
+  }
+
+  /** Which file in the sequence is open in the CTR tab. */
+  activeFinnetFile = 'account-detail';
+
+  get openFinnetFile(): FinnetFile {
+    return this.finnetSequence.find((f) => f.key === this.activeFinnetFile) ?? this.finnetSequence[0];
+  }
+
+  showFinnetFile(key: string): void {
+    this.activeFinnetFile = key;
+  }
+
+  /** Downloads whichever file is currently previewed, so the button matches the table. */
+  downloadOpenFinnetFile(): void {
+    const f = this.openFinnetFile;
+    this.saveCsv(
+      [
+        f.table.headers,
+        ...f.table.rows
+      ],
+      `${f.name}.csv`
+    );
+    this.toast(`${f.name} exported (${f.table.rows.length} rows)`);
+  }
+
+  // -------------------- Exports --------------------
+
+  private saveTable(file: FinnetFile): void {
+    this.saveCsv(
+      [
+        file.table.headers,
+        ...file.table.rows
+      ],
+      `${file.name}.csv`
+    );
+    this.toast(`${file.name} exported (${file.table.rows.length} rows)`);
+  }
+
+  private fileByKey(key: string): FinnetFile {
+    return this.allFinnetFiles.find((f) => f.key === key)!;
+  }
+
+  exportTc1(): void {
+    this.saveTable(this.fileByKey('tc1'));
+  }
+
+  exportTc2(): void {
+    this.saveTable(this.fileByKey('tc2'));
+  }
+
+  exportKc1(): void {
+    this.saveTable(this.fileByKey('kc1'));
+  }
+
+  exportKc2(): void {
+    this.saveTable(this.fileByKey('kc2'));
+  }
+
+  exportAccountDetail(): void {
+    this.saveTable(this.fileByKey('account-detail'));
+  }
+
+  exportAccountPersonRelation(): void {
+    this.saveTable(this.fileByKey('account-person-relation'));
   }
 
   /** STR XML stub (FINnet 2.0 STR XML) */
@@ -912,6 +1412,12 @@ export class FiuComponent implements OnInit {
       this.toast('No suspect cases to export — nothing matches the current filters');
       return;
     }
+    this.writeStrXml(suspects, `STR-${this.bank.reportingMonth.replace(/\s+/g, '-')}.xml`);
+    this.toast(`STR XML exported (${suspects.length} suspects)`);
+  }
+
+  /** Serialises a set of suspect cases as FINnet 2.0 STR XML and downloads it. */
+  private writeStrXml(suspects: StrTransaction[], filename: string): void {
     const xml: string[] = [];
     xml.push('<?xml version="1.0" encoding="UTF-8"?>');
     xml.push(`<STR xmlns="http://fiuind.gov.in/finnet2/str" reportingMonth="${this.bank.reportingMonth}">`);
@@ -927,6 +1433,9 @@ export class FiuComponent implements OnInit {
       xml.push(`    <Detection date="${s.detectedOn}" by="${this.escapeXml(s.flaggedBy)}" />`);
       xml.push(`    <Narrative>${this.escapeXml(s.narrative)}</Narrative>`);
       if (s.poRemarks) xml.push(`    <PORemarks>${this.escapeXml(s.poRemarks)}</PORemarks>`);
+      if (s.fiuReferenceNo) {
+        xml.push(`    <Acknowledgement ref="${this.escapeXml(s.fiuReferenceNo)}" filedOn="${s.filedOn ?? ''}" />`);
+      }
       xml.push('  </Suspect>');
     }
     xml.push('</STR>');
@@ -934,21 +1443,21 @@ export class FiuComponent implements OnInit {
     const url = URL.createObjectURL(blob);
     const a = document.createElement('a');
     a.href = url;
-    a.download = `STR-${this.bank.reportingMonth.replace(/\s+/g, '-')}.xml`;
+    a.download = filename;
     a.click();
     URL.revokeObjectURL(url);
-    this.toast(`STR XML exported (${suspects.length} suspects)`);
   }
 
-  /** Bundle: the 6 CSVs plus the STR XML — emitted as separate downloads sequentially */
+  /**
+   * Bundle: the 6 CSVs plus the STR XML, emitted as separate downloads in the
+   * order FIU-IND expects them — account, then relation, then TC, then KC.
+   */
   exportAll(): void {
-    setTimeout(() => this.exportTc1(), 0);
+    // All six travel together — the customer cards are not walked through in the
-    setTimeout(() => this.exportTc2(), 200);
+    // CTR tab, but a bundle without them would be incomplete.
-    setTimeout(() => this.exportKc1(), 400);
+    const files = this.allFinnetFiles;
-    setTimeout(() => this.exportKc2(), 600);
+    files.forEach((f, i) => setTimeout(() => this.saveTable(f), i * 200));
-    setTimeout(() => this.exportAccountDetail(), 800);
+    setTimeout(() => this.exportStrXml(), files.length * 200);
-    setTimeout(() => this.exportAccountPersonRelation(), 1000);
-    setTimeout(() => this.exportStrXml(), 1200);
   }
 
   private escapeXml(s: string): string {

src/app/form-declarations/form-declaration-data.ts

@@ -0,0 +1,638 @@
+/**
+ * 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 { GL_BRANCHES, GL_PERIOD } from '../gl-reports/gl-reports-data';
+
+/**
+ * Transactions of customers who banked on a Form 97 / Form 98 declaration.
+ *
+ * Rule 114B of the Income-tax Rules lists transactions where quoting PAN is
+ * mandatory. A customer who has no PAN gives a declaration instead:
+ *
+ *   Form 97 — person with no PAN (income may be taxable).
+ *   Form 98 — person whose only income is agricultural and who has no PAN.
+ *
+ * The bank must be able to produce, for any period, every transaction put
+ * through on the strength of such a declaration. That is what this report is.
+ */
+
+export type FormType = 'FORM_60' | 'FORM_61';
+
+/** Screen and workbook labels — this bank numbers the declarations 97 and 98. */
+export const FORM_LABEL: Record<FormType, string> = {
+  FORM_60: 'Form 97',
+  FORM_61: 'Form 98'
+};
+
+export interface FormDeclarant {
+  /** Declaration acknowledgement number, as issued by the branch. */
+  ackNo: string;
+  formType: FormType;
+  name: string;
+  fatherName: string;
+  dateOfBirth: string;
+  address: string;
+  branchCode: string;
+  accountNo: string;
+  /** Why the customer has no PAN — printed on the declaration. */
+  reasonForNoPan: string;
+  estimatedIncome: number;
+  declaredOn: string;
+  aadhaarLast4: string;
+}
+
+export type TxnMode = 'CASH' | 'TRANSFER' | 'CLEARING' | 'NEFT' | 'RTGS' | 'UPI' | 'ATM';
+
+export interface FormDeclarantTxn {
+  txnId: string;
+  ackNo: string;
+  date: string;
+  branchCode: string;
+  accountNo: string;
+  mode: TxnMode;
+  drCr: 'DR' | 'CR';
+  amount: number;
+  /** What the transaction was — a Rule 114B category or ordinary activity. */
+  nature: string;
+  /** Coarse bucket the nature belongs to, e.g. Cash, Clearing, Loan. */
+  group: string;
+  /** True when the nature is one of the categories listed in Rule 114B. */
+  rule114B: boolean;
+  particulars: string;
+  voucherNo: string;
+}
+
+/** Deterministic linear congruential generator — same figures on every load. */
+function lcg(seed: number): () => number {
+  let s = seed >>> 0;
+  return () => {
+    s = (Math.imul(s, 1664525) + 1013904223) >>> 0;
+    return s / 4294967296;
+  };
+}
+
+function pick<T>(rand: () => number, list: T[]): T {
+  return list[Math.floor(rand() * list.length)];
+}
+
+function isoDate(d: Date): string {
+  const y = d.getUTCFullYear();
+  const m = `${d.getUTCMonth() + 1}`.padStart(2, '0');
+  const day = `${d.getUTCDate()}`.padStart(2, '0');
+  return `${y}-${m}-${day}`;
+}
+
+/**
+ * Thresholds that make a row worth a second look.
+ *
+ * `RULE_114B_CASH` is the cash-deposit limit above which a declaration is
+ * required at all; `CTR` is the aggregate cash figure that puts the customer
+ * into the monthly Cash Transaction Report.
+ */
+export const FORM_THRESHOLD = {
+  RULE_114B_CASH: 50_000,
+  CTR: 1_000_000
+};
+
+const FIRST_NAMES = [
+  'Ramesh',
+  'Sunita',
+  'Vitthal',
+  'Kamala',
+  'Ganpat',
+  'Shobha',
+  'Dnyaneshwar',
+  'Mangala',
+  'Bhaskar',
+  'Anita',
+  'Tukaram',
+  'Sarika',
+  'Nivrutti',
+  'Rekha',
+  'Popat',
+  'Chhaya',
+  'Ashok',
+  'Vaishali',
+  'Bapu',
+  'Nanda',
+  'Sitaram',
+  'Jayshree',
+  'Madhukar',
+  'Pushpa',
+  'Eknath',
+  'Sulochana',
+  'Baban',
+  'Indubai',
+  'Hanumant',
+  'Kalpana'
+];
+
+const SURNAMES = [
+  'Jadhav',
+  'Pawar',
+  'Shinde',
+  'Gaikwad',
+  'More',
+  'Kadam',
+  'Bhosale',
+  'Patil',
+  'Sawant',
+  'Chavan',
+  'Salunkhe',
+  'Mane',
+  'Deshmukh',
+  'Thorat',
+  'Nikam',
+  'Wagh',
+  'Kale',
+  'Ghadge',
+  'Bhoir',
+  'Tandel'
+];
+
+const VILLAGES = [
+  'Wadgaon',
+  'Kolhewadi',
+  'Shirgaon',
+  'Nandgaon',
+  'Pimpalgaon',
+  'Bhosari',
+  'Rajgurunagar',
+  'Talegaon',
+  'Karjat',
+  'Murbad',
+  'Shahapur',
+  'Vasind'
+];
+
+/** Reasons a Form 97 declarant gives — Form 98 has its own single reason. */
+const NO_PAN_REASONS = [
+  'Applied for PAN, allotment awaited',
+  'Total income below taxable limit',
+  'Not required to file return of income',
+  'First-time account holder, PAN not yet obtained'
+];
+
+/**
+ * Every kind of transaction one of these customers puts through — not only the
+ * ones that triggered a declaration.
+ *
+ * `rule114B` marks the categories listed in Rule 114B, where quoting PAN (and
+ * therefore the Form 97/98 declaration) is mandatory above the limit. The rest
+ * are ordinary account activity, which the report still has to show: the point
+ * is the customer's whole picture, not just the declared slice.
+ *
+ * `drCr` is fixed where the category only goes one way; 'EITHER' lets the
+ * generator choose. `cashOnly` forces counter cash, `nonCash` excludes it.
+ */
+interface TxnKind {
+  nature: string;
+  group: string;
+  rule114B: boolean;
+  drCr: 'DR' | 'CR' | 'EITHER';
+  cashOnly?: boolean;
+  nonCash?: boolean;
+  /** Relative frequency — small routine postings outnumber big declared ones. */
+  weight: number;
+  /** Typical value band, before the occasional large-value tail. */
+  min: number;
+  max: number;
+}
+
+const TXN_KINDS: TxnKind[] = [
+  // ── Rule 114B categories: the transactions the declaration was taken for ──
+  {
+    nature: 'Cash deposit exceeding ₹50,000 in a day',
+    group: 'Cash',
+    rule114B: true,
+    drCr: 'CR',
+    cashOnly: true,
+    weight: 14,
+    min: 50_000,
+    max: 470_000
+  },
+  {
+    nature: 'Cash withdrawal exceeding ₹50,000',
+    group: 'Cash',
+    rule114B: true,
+    drCr: 'DR',
+    cashOnly: true,
+    weight: 8,
+    min: 50_000,
+    max: 380_000
+  },
+  {
+    nature: 'Opening of deposit account',
+    group: 'Account',
+    rule114B: true,
+    drCr: 'CR',
+    cashOnly: true,
+    weight: 3,
+    min: 5_000,
+    max: 50_000
+  },
+  {
+    nature: 'Term deposit exceeding ₹50,000',
+    group: 'Deposit',
+    rule114B: true,
+    drCr: 'DR',
+    weight: 5,
+    min: 50_000,
+    max: 900_000
+  },
+  {
+    nature: 'Purchase of demand draft in cash',
+    group: 'Remittance',
+    rule114B: true,
+    drCr: 'DR',
+    cashOnly: true,
+    weight: 4,
+    min: 50_000,
+    max: 260_000
+  },
+  {
+    nature: 'Sale/purchase of goods or services above ₹2,00,000',
+    group: 'Trade',
+    rule114B: true,
+    drCr: 'EITHER',
+    weight: 3,
+    min: 200_000,
+    max: 850_000
+  },
+
+  // ── Ordinary account activity ────────────────────────────────────────────
+  {
+    nature: 'Cash deposit',
+    group: 'Cash',
+    rule114B: false,
+    drCr: 'CR',
+    cashOnly: true,
+    weight: 16,
+    min: 500,
+    max: 49_900
+  },
+  {
+    nature: 'Cash withdrawal',
+    group: 'Cash',
+    rule114B: false,
+    drCr: 'DR',
+    cashOnly: true,
+    weight: 15,
+    min: 500,
+    max: 49_900
+  },
+  {
+    nature: 'Cheque deposit — outward clearing',
+    group: 'Clearing',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 7,
+    min: 2_000,
+    max: 180_000
+  },
+  {
+    nature: 'Cheque paid — inward clearing',
+    group: 'Clearing',
+    rule114B: false,
+    drCr: 'DR',
+    nonCash: true,
+    weight: 6,
+    min: 2_000,
+    max: 160_000
+  },
+  {
+    nature: 'NEFT inward credit',
+    group: 'Remittance',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 6,
+    min: 1_000,
+    max: 220_000
+  },
+  {
+    nature: 'NEFT outward remittance',
+    group: 'Remittance',
+    rule114B: false,
+    drCr: 'DR',
+    nonCash: true,
+    weight: 5,
+    min: 1_000,
+    max: 200_000
+  },
+  {
+    nature: 'RTGS inward credit',
+    group: 'Remittance',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 2,
+    min: 200_000,
+    max: 1_200_000
+  },
+  {
+    nature: 'UPI / mobile banking transfer',
+    group: 'Digital',
+    rule114B: false,
+    drCr: 'EITHER',
+    nonCash: true,
+    weight: 10,
+    min: 100,
+    max: 24_000
+  },
+  {
+    nature: 'ATM cash withdrawal',
+    group: 'Digital',
+    rule114B: false,
+    drCr: 'DR',
+    cashOnly: true,
+    weight: 9,
+    min: 500,
+    max: 20_000
+  },
+  {
+    nature: 'Transfer between own accounts',
+    group: 'Transfer',
+    rule114B: false,
+    drCr: 'EITHER',
+    nonCash: true,
+    weight: 5,
+    min: 1_000,
+    max: 120_000
+  },
+  {
+    nature: 'Loan instalment (EMI) recovery',
+    group: 'Loan',
+    rule114B: false,
+    drCr: 'DR',
+    weight: 7,
+    min: 2_500,
+    max: 42_000
+  },
+  {
+    nature: 'Loan disbursement credited',
+    group: 'Loan',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 2,
+    min: 50_000,
+    max: 700_000
+  },
+  {
+    nature: 'Interest credited on deposit',
+    group: 'Interest',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 6,
+    min: 120,
+    max: 14_000
+  },
+  {
+    nature: 'Interest debited on loan',
+    group: 'Interest',
+    rule114B: false,
+    drCr: 'DR',
+    nonCash: true,
+    weight: 4,
+    min: 200,
+    max: 11_000
+  },
+  {
+    nature: 'Term deposit matured and credited',
+    group: 'Deposit',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 3,
+    min: 25_000,
+    max: 620_000
+  },
+  {
+    nature: 'Recurring deposit instalment',
+    group: 'Deposit',
+    rule114B: false,
+    drCr: 'DR',
+    weight: 5,
+    min: 500,
+    max: 12_000
+  },
+  {
+    nature: 'Service charges / commission recovered',
+    group: 'Charges',
+    rule114B: false,
+    drCr: 'DR',
+    nonCash: true,
+    weight: 6,
+    min: 25,
+    max: 2_400
+  },
+  {
+    nature: 'Cheque return charges',
+    group: 'Charges',
+    rule114B: false,
+    drCr: 'DR',
+    nonCash: true,
+    weight: 2,
+    min: 100,
+    max: 900
+  },
+  {
+    nature: 'Locker rent recovered',
+    group: 'Charges',
+    rule114B: false,
+    drCr: 'DR',
+    nonCash: true,
+    weight: 1,
+    min: 800,
+    max: 4_500
+  },
+  {
+    nature: 'Dividend credited on shares',
+    group: 'Shares',
+    rule114B: false,
+    drCr: 'CR',
+    nonCash: true,
+    weight: 2,
+    min: 200,
+    max: 9_000
+  },
+  {
+    nature: 'Share capital subscription',
+    group: 'Shares',
+    rule114B: false,
+    drCr: 'DR',
+    weight: 2,
+    min: 500,
+    max: 25_000
+  }
+];
+
+/** Flattened by weight so a single draw picks a category at the right rate. */
+const KIND_POOL: TxnKind[] = TXN_KINDS.flatMap((k) => Array<TxnKind>(k.weight).fill(k));
+
+/** The distinct groups, for the report's category filter. */
+export const TXN_GROUPS: string[] = [...new Set(TXN_KINDS.map((k) => k.group))].sort();
+
+let declarantCache: FormDeclarant[] | null = null;
+let txnCache: FormDeclarantTxn[] | null = null;
+
+/**
+ * The customers who filed a declaration. Roughly one in five is a Form 98
+ * (agricultural income only), which matches the mix a semi-urban co-operative
+ * bank sees — the rural branches carry most of them.
+ */
+export function formDeclarants(): FormDeclarant[] {
+  if (declarantCache) {
+    return declarantCache;
+  }
+  const rand = lcg(31071998);
+  const branches = GL_BRANCHES.filter((b) => b.code !== 'HO');
+  const out: FormDeclarant[] = [];
+
+  for (let i = 0; i < 148; i++) {
+    const branch = branches[i % branches.length];
+    // Form 98 is the agricultural-income declaration, so it clusters in the
+    // outlying branches rather than being spread evenly.
+    const rural = branch.code === '0004' || branch.code === '0006';
+    const formType: FormType = rand() < (rural ? 0.42 : 0.08) ? 'FORM_61' : 'FORM_60';
+
+    const first = pick(rand, FIRST_NAMES);
+    const last = pick(rand, SURNAMES);
+    const seq = `${i + 1}`.padStart(3, '0');
+
+    // Declarations are taken in the run-up to and during the ledger period.
+    const declOffset = Math.floor(rand() * 150);
+    const declDate = new Date(`${GL_PERIOD.fyStart}T00:00:00Z`);
+    declDate.setUTCDate(declDate.getUTCDate() - 60 + declOffset);
+
+    const birthYear = 1955 + Math.floor(rand() * 45);
+    const birthMonth = 1 + Math.floor(rand() * 12);
+    const birthDay = 1 + Math.floor(rand() * 28);
+
+    out.push({
+      ackNo: `${branch.code}/F${formType === 'FORM_60' ? '97' : '98'}/${seq}`,
+      formType,
+      name: `${first} ${last}`,
+      fatherName: `${pick(rand, FIRST_NAMES)} ${last}`,
+      dateOfBirth: `${birthYear}-${`${birthMonth}`.padStart(2, '0')}-${`${birthDay}`.padStart(2, '0')}`,
+      address: `${pick(rand, VILLAGES)}, Tal. ${pick(rand, VILLAGES)}, Dist. Thane`,
+      branchCode: branch.code,
+      accountNo: `${branch.code}${(4100000 + i * 137).toString().padStart(8, '0')}`,
+      reasonForNoPan:
+        formType === 'FORM_61' ? 'Income consists only of agricultural income' : pick(rand, NO_PAN_REASONS),
+      // Form 98 declarants report agricultural income, which the Act exempts, so
+      // their declared figures sit below the Form 97 band.
+      estimatedIncome:
+        formType === 'FORM_61' ? 90_000 + Math.floor(rand() * 160_000) : 140_000 + Math.floor(rand() * 380_000),
+      declaredOn: isoDate(declDate),
+      aadhaarLast4: `${1000 + Math.floor(rand() * 9000)}`
+    });
+  }
+
+  declarantCache = out;
+  return out;
+}
+
+/**
+ * Every transaction these customers put through inside the ledger period.
+ *
+ * A declaration is taken per transaction category, so an active customer shows
+ * several rows; a customer who only opened an account shows one.
+ */
+export function formDeclarantTxns(): FormDeclarantTxn[] {
+  if (txnCache) {
+    return txnCache;
+  }
+  const rand = lcg(19980731);
+  const start = new Date(`${GL_PERIOD.fyStart}T00:00:00Z`);
+  const end = new Date(`${GL_PERIOD.fyEnd}T00:00:00Z`);
+  const span = Math.round((end.getTime() - start.getTime()) / 86_400_000);
+
+  const out: FormDeclarantTxn[] = [];
+  let voucher = 1;
+
+  for (const d of formDeclarants()) {
+    // Weighted low — most declarants are occasional users and a handful bank
+    // every week. Squaring the draw gives that long tail rather than a flat
+    // spread, while still leaving enough volume for a day-wise filter to show.
+    const count = 1 + Math.floor(rand() * rand() * 22);
+
+    for (let n = 0; n < count; n++) {
+      const day = new Date(start.getTime());
+      day.setUTCDate(day.getUTCDate() + Math.floor(rand() * span));
+      if (day.getUTCDay() === 0) {
+        day.setUTCDate(day.getUTCDate() + 1); // Sunday — no counter business.
+      }
+
+      const kind = pick(rand, KIND_POOL);
+      const drCr: 'DR' | 'CR' = kind.drCr === 'EITHER' ? (rand() < 0.5 ? 'DR' : 'CR') : kind.drCr;
+
+      // The channel follows the category: cash categories go over the counter,
+      // clearing goes through the house, and the rest split across the
+      // electronic rails a co-operative bank offers.
+      let mode: TxnMode;
+      if (kind.cashOnly) {
+        mode = kind.nature.startsWith('ATM') ? 'ATM' : 'CASH';
+      } else if (kind.nonCash) {
+        mode =
+          kind.group === 'Clearing'
+            ? 'CLEARING'
+            : kind.nature.startsWith('RTGS')
+              ? 'RTGS'
+              : kind.nature.startsWith('NEFT')
+                ? 'NEFT'
+                : kind.group === 'Digital'
+                  ? 'UPI'
+                  : 'TRANSFER';
+      } else {
+        // Categories that can go either way — a term deposit or an EMI is paid
+        // in cash as often as it is transferred at this kind of bank.
+        mode = rand() < 0.55 ? 'CASH' : 'TRANSFER';
+      }
+
+      // Inside the category's own band, with a thin large-value tail on the
+      // Rule 114B rows so the report has CTR-sized entries to flag.
+      let amount = kind.min + Math.floor(rand() * (kind.max - kind.min));
+      if (kind.rule114B && kind.cashOnly && rand() < 0.09) {
+        amount = FORM_THRESHOLD.CTR + Math.floor(rand() * 1_400_000);
+      }
+      amount = Math.round(amount / 100) * 100 || 100;
+
+      const cashWord = mode === 'CASH' || mode === 'ATM';
+      out.push({
+        txnId: `TXN${`${out.length + 1}`.padStart(5, '0')}`,
+        ackNo: d.ackNo,
+        date: isoDate(day),
+        branchCode: d.branchCode,
+        accountNo: d.accountNo,
+        mode,
+        drCr,
+        amount,
+        nature: kind.nature,
+        group: kind.group,
+        rule114B: kind.rule114B,
+        particulars:
+          drCr === 'DR'
+            ? `${cashWord ? 'Cash paid to' : 'Debit to account of'} ${d.name} — ${kind.nature.toLowerCase()}`
+            : `${cashWord ? 'Cash received from' : 'Credit to account of'} ${d.name} — ${kind.nature.toLowerCase()}`,
+        voucherNo: `${d.branchCode}/V/${`${voucher++}`.padStart(5, '0')}`
+      });
+    }
+  }
+
+  out.sort((a, b) => (a.date === b.date ? a.txnId.localeCompare(b.txnId) : a.date.localeCompare(b.date)));
+  txnCache = out;
+  return out;
+}
+
+export function declarantByAck(ackNo: string): FormDeclarant | undefined {
+  return formDeclarants().find((d) => d.ackNo === ackNo);
+}

src/app/form-declarations/form-declaration-report.component.html

@@ -0,0 +1,370 @@
+<!--
+  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="fd-root">
+  <!-- HEADER -->
+  <div class="fd-head">
+    <div class="fd-head-left">
+      <fa-icon icon="file-signature" class="fd-head-ic"></fa-icon>
+      <div>
+        <h2 class="fd-head-t">Form 97 / 98 Transaction Report</h2>
+        <div class="fd-head-s">
+          Every transaction put through on a declaration under Rule 114B, for customers who have no PAN. Form 97 is the
+          general declaration; Form 98 is for a person whose only income is agricultural.
+        </div>
+      </div>
+    </div>
+    <button class="fd-btn fd-btn--primary" [disabled]="generating" (click)="exportExcel()">
+      <fa-icon icon="file-excel"></fa-icon> {{ generating ? 'Generating…' : 'Download Excel' }}
+    </button>
+  </div>
+
+  <!-- FILTERS -->
+  <div class="fd-filters">
+    <div class="fd-filter-row">
+      <div class="fd-modes">
+        @for (m of periodModes; track m.key) {
+          <button class="fd-chip" [class.active]="periodMode === m.key" (click)="periodMode = m.key">
+            {{ m.label }}
+          </button>
+        }
+      </div>
+
+      @switch (periodMode) {
+        @case ('day') {
+          <label class="fd-field">
+            <span>Date</span>
+            <input type="date" [(ngModel)]="filterDay" [min]="period.fyStart" [max]="period.fyEnd" />
+          </label>
+        }
+        @case ('week') {
+          <label class="fd-field">
+            <span>Any date in week</span>
+            <input type="date" [(ngModel)]="filterWeek" [min]="period.fyStart" [max]="period.fyEnd" />
+          </label>
+          <span class="fd-resolved">Week: {{ rangeLabel }}</span>
+        }
+        @case ('month') {
+          <label class="fd-field">
+            <span>Month</span>
+            <input type="month" [(ngModel)]="filterMonth" min="2026-04" max="2026-07" />
+          </label>
+        }
+        @default {
+          <label class="fd-field">
+            <span>From</span>
+            <input type="date" [(ngModel)]="filterFrom" [min]="period.fyStart" [max]="period.fyEnd" />
+          </label>
+          <label class="fd-field">
+            <span>To</span>
+            <input type="date" [(ngModel)]="filterTo" [min]="period.fyStart" [max]="period.fyEnd" />
+          </label>
+        }
+      }
+    </div>
+
+    <div class="fd-filter-row">
+      <label class="fd-field">
+        <span>Branch</span>
+        <select [(ngModel)]="branchCode" [disabled]="!canSelectBranch">
+          @if (canSelectBranch) {
+            <option value="">All Branches</option>
+          }
+          @for (b of branches; track b.code) {
+            <option [value]="b.code">{{ b.code }} — {{ b.name }}</option>
+          }
+        </select>
+      </label>
+
+      <label class="fd-field">
+        <span>Declaration</span>
+        <select [(ngModel)]="formType">
+          <option value="">Both</option>
+          <option value="FORM_60">Form 97 — no PAN</option>
+          <option value="FORM_61">Form 98 — agricultural income</option>
+        </select>
+      </label>
+
+      <label class="fd-field">
+        <span>Transaction type</span>
+        <select [(ngModel)]="group">
+          <option value="">All types</option>
+          @for (g of txnGroups; track g) {
+            <option [value]="g">{{ g }}</option>
+          }
+        </select>
+      </label>
+
+      <label class="fd-field fd-field--grow">
+        <span>Search</span>
+        <input type="text" [(ngModel)]="search" placeholder="Name, account number or acknowledgement no…" />
+      </label>
+
+      <label class="fd-check">
+        <input type="checkbox" [(ngModel)]="flaggedOnly" />
+        Only CTR reportable
+      </label>
+
+      <button class="fd-btn" (click)="resetFilters()"><fa-icon icon="undo"></fa-icon> Reset</button>
+    </div>
+
+    @if (!canSelectBranch) {
+      <div class="fd-scope-note">
+        <fa-icon icon="lock"></fa-icon>
+        Showing {{ branchLabel }} only. Head Office logins can select any branch.
+      </div>
+    }
+  </div>
+
+  <!-- SUMMARY -->
+  <div class="fd-kpis">
+    <div class="fd-kpi">
+      <div class="fd-kpi-n">{{ summary.persons }}</div>
+      <div class="fd-kpi-l">Declarants</div>
+      <div class="fd-kpi-sub">{{ summary.form60Persons }} on Form 97 · {{ summary.form61Persons }} on Form 98</div>
+    </div>
+    <div class="fd-kpi fd-kpi--blue">
+      <div class="fd-kpi-n">{{ summary.txnCount }}</div>
+      <div class="fd-kpi-l">Transactions — all types</div>
+      <div class="fd-kpi-sub">{{ summary.declarationRequired }} in a Rule 114B category</div>
+    </div>
+    <div class="fd-kpi fd-kpi--amber">
+      <div class="fd-kpi-n">{{ summary.cashTotal | number: '1.0-0' }}</div>
+      <div class="fd-kpi-l">Cash turnover (₹)</div>
+      <div class="fd-kpi-sub">{{ summary.cashCount }} cash transactions</div>
+    </div>
+    <div class="fd-kpi" [class.fd-kpi--red]="summary.ctrReportable > 0">
+      <div class="fd-kpi-n">{{ summary.ctrReportable }}</div>
+      <div class="fd-kpi-l">CTR reportable</div>
+      <div class="fd-kpi-sub">cash at or above ₹10,00,000</div>
+    </div>
+  </div>
+
+  <!-- CATEGORY MIX — what these customers actually do, beyond the declared rows -->
+  @if (summary.byGroup.length) {
+    <div class="fd-mix">
+      <span class="fd-mix-t">Transaction mix</span>
+      @for (g of summary.byGroup; track g.group) {
+        <button
+          class="fd-mix-item"
+          [class.active]="group === g.group"
+          (click)="group = group === g.group ? '' : g.group"
+        >
+          {{ g.group }} <strong>{{ g.count }}</strong>
+        </button>
+      }
+    </div>
+  }
+
+  <!-- VIEW SWITCH -->
+  <div class="fd-views">
+    <button class="fd-chip" [class.active]="view === 'person'" (click)="view = 'person'">
+      <fa-icon icon="users"></fa-icon> Person wise
+    </button>
+    <button class="fd-chip" [class.active]="view === 'transaction'" (click)="view = 'transaction'">
+      <fa-icon icon="list"></fa-icon> Transaction wise
+    </button>
+    <span class="fd-spacer"></span>
+    <span class="fd-count">
+      {{ view === 'person' ? personRows.length + ' declarants' : txnRows.length + ' transactions' }}
+    </span>
+  </div>
+
+  <!-- PERSON WISE -->
+  @if (view === 'person') {
+    <div class="fd-table-wrap">
+      <table class="fd-table">
+        <thead>
+          <tr>
+            <th></th>
+            <th>Acknowledgement</th>
+            <th>Form</th>
+            <th>Name of declarant</th>
+            <th>Account No</th>
+            <th>Branch</th>
+            <th class="num">Txns</th>
+            <th class="num">Rule 114B</th>
+            <th class="num">Cash turnover</th>
+            <th class="num">Credit</th>
+            <th class="num">Debit</th>
+            <th class="num">Declared income</th>
+            <th class="num">Cash ÷ income</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (p of personRows; track p.declarant.ackNo) {
+            <tr class="fd-person" [class.open]="expanded === p.declarant.ackNo" (click)="toggle(p.declarant.ackNo)">
+              <td>
+                <fa-icon [icon]="expanded === p.declarant.ackNo ? 'caret-down' : 'caret-right'"></fa-icon>
+              </td>
+              <td class="mono">{{ p.declarant.ackNo }}</td>
+              <td>
+                <span class="fd-form" [class.fd-form--61]="p.declarant.formType === 'FORM_61'">
+                  {{ formLabel[p.declarant.formType] }}
+                </span>
+              </td>
+              <td>
+                <strong>{{ p.declarant.name }}</strong>
+                @if (p.ctrCount > 0) {
+                  <span class="fd-tag fd-tag--ctr">{{ p.ctrCount }} CTR</span>
+                }
+              </td>
+              <td class="mono">{{ p.declarant.accountNo }}</td>
+              <td>{{ p.declarant.branchCode }}</td>
+              <td class="num">{{ p.txnCount }}</td>
+              <td class="num">{{ p.declaredCount }}</td>
+              <td class="num strong">{{ p.cashTotal | number: '1.0-0' }}</td>
+              <td class="num">{{ p.totalCredit | number: '1.0-0' }}</td>
+              <td class="num">{{ p.totalDebit | number: '1.0-0' }}</td>
+              <td class="num">{{ p.declarant.estimatedIncome | number: '1.0-0' }}</td>
+              <td class="num">
+                <span [class]="ratioClass(p.incomeRatio)">{{ p.incomeRatio | number: '1.1-1' }}×</span>
+              </td>
+            </tr>
+
+            @if (expanded === p.declarant.ackNo) {
+              <tr class="fd-detail">
+                <td colspan="13">
+                  <div class="fd-decl">
+                    <div>
+                      <label>Father's name</label><span>{{ p.declarant.fatherName }}</span>
+                    </div>
+                    <div>
+                      <label>Date of birth</label><span>{{ p.declarant.dateOfBirth }}</span>
+                    </div>
+                    <div>
+                      <label>Aadhaar</label><span class="mono">XXXX XXXX {{ p.declarant.aadhaarLast4 }}</span>
+                    </div>
+                    <div>
+                      <label>Declared on</label><span>{{ p.declarant.declaredOn }}</span>
+                    </div>
+                    <div class="wide">
+                      <label>Address</label><span>{{ p.declarant.address }}</span>
+                    </div>
+                    <div class="wide">
+                      <label>Reason for no PAN</label><span>{{ p.declarant.reasonForNoPan }}</span>
+                    </div>
+                  </div>
+
+                  <table class="fd-subtable">
+                    <thead>
+                      <tr>
+                        <th>Date</th>
+                        <th>Txn ID</th>
+                        <th>Mode</th>
+                        <th>Dr/Cr</th>
+                        <th class="num">Amount</th>
+                        <th>Nature of transaction (Rule 114B)</th>
+                        <th>Voucher</th>
+                        <th>Flag</th>
+                      </tr>
+                    </thead>
+                    <tbody>
+                      @for (t of p.txns; track t.txnId) {
+                        <tr>
+                          <td class="mono">{{ t.date }}</td>
+                          <td class="mono">{{ t.txnId }}</td>
+                          <td>
+                            <span class="fd-mode">{{ t.mode }}</span>
+                          </td>
+                          <td [class.cr]="t.drCr === 'CR'" [class.dr]="t.drCr === 'DR'">{{ t.drCr }}</td>
+                          <td class="num strong">{{ t.amount | number: '1.0-0' }}</td>
+                          <td>{{ t.nature }}</td>
+                          <td class="mono">{{ t.voucherNo }}</td>
+                          <td>
+                            @if (t.ctrReportable) {
+                              <span class="fd-tag fd-tag--ctr">CTR</span>
+                            } @else if (t.declarationRequired) {
+                              <span class="fd-tag">Rule 114B</span>
+                            }
+                          </td>
+                        </tr>
+                      }
+                    </tbody>
+                  </table>
+                </td>
+              </tr>
+            }
+          } @empty {
+            <tr>
+              <td colspan="13" class="fd-empty">
+                No Form 97 or Form 98 transactions for {{ rangeLabel }} at {{ branchLabel }}.
+              </td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+  }
+
+  <!-- TRANSACTION WISE -->
+  @if (view === 'transaction') {
+    <div class="fd-table-wrap">
+      <table class="fd-table">
+        <thead>
+          <tr>
+            <th>Date</th>
+            <th>Txn ID</th>
+            <th>Acknowledgement</th>
+            <th>Form</th>
+            <th>Name of declarant</th>
+            <th>Account No</th>
+            <th>Branch</th>
+            <th>Category</th>
+            <th>Mode</th>
+            <th>Dr/Cr</th>
+            <th class="num">Amount</th>
+            <th>Nature of transaction</th>
+            <th>Voucher</th>
+            <th>Flag</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (t of txnRows; track t.txnId) {
+            <tr [class.fd-row--ctr]="t.ctrReportable">
+              <td class="mono">{{ t.date }}</td>
+              <td class="mono">{{ t.txnId }}</td>
+              <td class="mono">{{ t.ackNo }}</td>
+              <td>
+                <span class="fd-form" [class.fd-form--61]="t.formType === 'FORM_61'">{{ formLabel[t.formType] }}</span>
+              </td>
+              <td>{{ t.declarantName }}</td>
+              <td class="mono">{{ t.accountNo }}</td>
+              <td>{{ t.branchCode }}</td>
+              <td>
+                <span class="fd-group">{{ t.group }}</span>
+              </td>
+              <td>
+                <span class="fd-mode">{{ t.mode }}</span>
+              </td>
+              <td [class.cr]="t.drCr === 'CR'" [class.dr]="t.drCr === 'DR'">{{ t.drCr }}</td>
+              <td class="num strong">{{ t.amount | number: '1.0-0' }}</td>
+              <td>{{ t.nature }}</td>
+              <td class="mono">{{ t.voucherNo }}</td>
+              <td>
+                @if (t.ctrReportable) {
+                  <span class="fd-tag fd-tag--ctr">CTR</span>
+                } @else if (t.declarationRequired) {
+                  <span class="fd-tag">Rule 114B</span>
+                }
+              </td>
+            </tr>
+          } @empty {
+            <tr>
+              <td colspan="14" class="fd-empty">
+                No Form 97 or Form 98 transactions for {{ rangeLabel }} at {{ branchLabel }}.
+              </td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+  }
+
+  <div class="fd-toast" [class.show]="toastVisible">{{ toastMsg }}</div>
+</div>

src/app/form-declarations/form-declaration-report.component.scss

@@ -0,0 +1,608 @@
+/**
+ * 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/.
+ */
+
+:host {
+  --f-navy: #1a237e;
+  --f-blue: #1d4ed8;
+  --f-blue-l: #eff6ff;
+  --f-green: #15803d;
+  --f-green-l: #dcfce7;
+  --f-amber: #b45309;
+  --f-amber-l: #fef3c7;
+  --f-red: #c0392b;
+  --f-red-l: #fdecea;
+  --f-g50: #f8fafc;
+  --f-g100: #f1f5f9;
+  --f-g200: #e2e8f0;
+  --f-g300: #cbd5e1;
+  --f-g500: #64748b;
+  --f-g700: #334155;
+  --f-g900: #0f172a;
+
+  display: block;
+  font-family: 'DM Sans', system-ui, sans-serif;
+  background: var(--f-g50);
+  color: var(--f-g900);
+  font-size: 14px;
+  line-height: 1.5;
+}
+
+.fd-root {
+  padding: 18px 22px;
+  max-width: 1700px;
+  margin: 0 auto;
+}
+
+/* HEADER */
+.fd-head {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  gap: 16px;
+  flex-wrap: wrap;
+  margin-bottom: 14px;
+}
+
+.fd-head-left {
+  display: flex;
+  align-items: flex-start;
+  gap: 14px;
+}
+
+.fd-head-ic {
+  font-size: 26px;
+  color: var(--f-navy);
+  margin-top: 3px;
+}
+
+.fd-head-t {
+  margin: 0;
+  font-size: 18px;
+  font-weight: 700;
+}
+
+.fd-head-s {
+  font-size: 12px;
+  color: var(--f-g500);
+  max-width: 820px;
+}
+
+/* BUTTONS */
+.fd-btn {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 8px 15px;
+  border: 1px solid var(--f-g300);
+  background: #fff;
+  border-radius: 8px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--f-g700);
+  cursor: pointer;
+  font-family: inherit;
+  transition: all 0.15s;
+
+  &:hover:not(:disabled) {
+    background: var(--f-g50);
+    border-color: var(--f-g500);
+  }
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+
+  &--primary {
+    background: var(--f-green);
+    border-color: var(--f-green);
+    color: #fff;
+
+    &:hover:not(:disabled) {
+      background: #12692f;
+      border-color: #12692f;
+      color: #fff;
+    }
+  }
+}
+
+/* FILTERS */
+.fd-filters {
+  background: #fff;
+  border: 1px solid var(--f-g200);
+  border-radius: 11px;
+  padding: 12px 16px;
+  margin-bottom: 14px;
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+}
+
+.fd-filter-row {
+  display: flex;
+  align-items: flex-end;
+  gap: 12px;
+  flex-wrap: wrap;
+}
+
+.fd-modes {
+  display: flex;
+  gap: 6px;
+  flex-wrap: wrap;
+}
+
+.fd-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 6px 14px;
+  border: 1px solid var(--f-g300);
+  background: #fff;
+  border-radius: 999px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--f-g700);
+  cursor: pointer;
+  font-family: inherit;
+
+  &:hover {
+    border-color: var(--f-navy);
+  }
+
+  &.active {
+    background: var(--f-navy);
+    border-color: var(--f-navy);
+    color: #fff;
+  }
+}
+
+.fd-field {
+  display: flex;
+  flex-direction: column;
+  gap: 3px;
+
+  span {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--f-g500);
+  }
+
+  input,
+  select {
+    padding: 7px 10px;
+    border: 1px solid var(--f-g300);
+    border-radius: 7px;
+    font-size: 13px;
+    font-family: inherit;
+    background: #fff;
+    color: var(--f-g900);
+
+    &:focus {
+      outline: none;
+      border-color: var(--f-navy);
+    }
+
+    &:disabled {
+      background: var(--f-g100);
+      color: var(--f-g500);
+    }
+  }
+
+  &--grow {
+    flex: 1;
+    min-width: 240px;
+
+    input {
+      width: 100%;
+    }
+  }
+}
+
+.fd-resolved {
+  font-size: 12px;
+  color: var(--f-g500);
+  padding-bottom: 8px;
+}
+
+.fd-check {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--f-g700);
+  padding-bottom: 8px;
+  cursor: pointer;
+}
+
+.fd-scope-note {
+  display: flex;
+  align-items: center;
+  gap: 7px;
+  font-size: 12px;
+  color: var(--f-amber);
+  background: var(--f-amber-l);
+  border: 1px solid #fcd34d;
+  border-radius: 7px;
+  padding: 6px 11px;
+}
+
+/* KPIs */
+.fd-kpis {
+  display: grid;
+  grid-template-columns: repeat(4, 1fr);
+  gap: 12px;
+  margin-bottom: 14px;
+}
+
+.fd-kpi {
+  background: #fff;
+  border: 1px solid var(--f-g200);
+  border-left: 4px solid var(--f-navy);
+  border-radius: 11px;
+  padding: 12px 16px;
+
+  &--blue {
+    border-left-color: var(--f-blue);
+  }
+
+  &--amber {
+    border-left-color: var(--f-amber);
+  }
+
+  &--red {
+    border-left-color: var(--f-red);
+  }
+}
+
+.fd-kpi-n {
+  font-size: 22px;
+  font-weight: 700;
+  font-family: 'DM Mono', monospace;
+}
+
+.fd-kpi-l {
+  font-size: 12px;
+  font-weight: 600;
+  color: var(--f-g700);
+}
+
+.fd-kpi-sub {
+  font-size: 11px;
+  color: var(--f-g500);
+}
+
+/* VIEW SWITCH */
+.fd-views {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-bottom: 10px;
+}
+
+.fd-spacer {
+  flex: 1;
+}
+
+.fd-count {
+  font-size: 12px;
+  color: var(--f-g500);
+  font-weight: 600;
+}
+
+/* TABLE */
+.fd-table-wrap {
+  background: #fff;
+  border: 1px solid var(--f-g200);
+  border-radius: 11px;
+  overflow-x: auto;
+}
+
+.fd-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12.5px;
+
+  th {
+    text-align: left;
+    padding: 9px 10px;
+    background: var(--f-g100);
+    font-size: 10.5px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: var(--f-g700);
+    white-space: nowrap;
+    border-bottom: 1px solid var(--f-g200);
+  }
+
+  td {
+    padding: 8px 10px;
+    border-bottom: 1px solid var(--f-g100);
+    vertical-align: top;
+  }
+
+  .num {
+    text-align: right;
+    font-family: 'DM Mono', monospace;
+  }
+
+  .strong {
+    font-weight: 700;
+  }
+
+  tbody tr:hover:not(.fd-detail) {
+    background: var(--f-g50);
+  }
+}
+
+.fd-person {
+  cursor: pointer;
+
+  &.open {
+    background: var(--f-blue-l);
+  }
+}
+
+.fd-row--ctr {
+  background: var(--f-red-l);
+}
+
+.fd-detail {
+  background: #fcfcfe;
+
+  td {
+    padding: 12px 16px 16px;
+  }
+}
+
+.fd-decl {
+  display: grid;
+  grid-template-columns: repeat(4, 1fr);
+  gap: 8px 18px;
+  margin-bottom: 12px;
+  padding: 10px 14px;
+  background: #fff;
+  border: 1px solid var(--f-g200);
+  border-radius: 8px;
+
+  > div {
+    display: flex;
+    flex-direction: column;
+  }
+
+  .wide {
+    grid-column: span 2;
+  }
+
+  label {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--f-g500);
+  }
+
+  span {
+    font-size: 12.5px;
+  }
+}
+
+.fd-subtable {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12px;
+  background: #fff;
+  border: 1px solid var(--f-g200);
+  border-radius: 8px;
+  overflow: hidden;
+
+  th {
+    text-align: left;
+    padding: 7px 10px;
+    background: var(--f-g50);
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: var(--f-g500);
+    white-space: nowrap;
+  }
+
+  td {
+    padding: 6px 10px;
+    border-top: 1px solid var(--f-g100);
+  }
+
+  .num {
+    text-align: right;
+    font-family: 'DM Mono', monospace;
+  }
+
+  .strong {
+    font-weight: 700;
+  }
+}
+
+/* Badges */
+.fd-form {
+  display: inline-block;
+  padding: 1px 8px;
+  border-radius: 999px;
+  font-size: 10.5px;
+  font-weight: 700;
+  background: var(--f-blue-l);
+  color: var(--f-blue);
+  white-space: nowrap;
+
+  &--61 {
+    background: var(--f-green-l);
+    color: var(--f-green);
+  }
+}
+
+.fd-mode {
+  display: inline-block;
+  padding: 1px 7px;
+  border-radius: 5px;
+  font-size: 10.5px;
+  font-weight: 700;
+  background: var(--f-g100);
+  color: var(--f-g700);
+}
+
+.fd-group {
+  display: inline-block;
+  padding: 1px 8px;
+  border-radius: 999px;
+  font-size: 10.5px;
+  font-weight: 600;
+  background: #fff;
+  border: 1px solid var(--f-g300);
+  color: var(--f-g700);
+  white-space: nowrap;
+}
+
+/* Category mix — doubles as a one-click filter. */
+.fd-mix {
+  display: flex;
+  align-items: center;
+  gap: 7px;
+  flex-wrap: wrap;
+  margin-bottom: 12px;
+}
+
+.fd-mix-t {
+  font-size: 10px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  color: var(--f-g500);
+  margin-right: 2px;
+}
+
+.fd-mix-item {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 4px 11px;
+  border: 1px solid var(--f-g200);
+  background: #fff;
+  border-radius: 7px;
+  font-size: 11.5px;
+  font-weight: 600;
+  color: var(--f-g700);
+  cursor: pointer;
+  font-family: inherit;
+
+  strong {
+    font-family: 'DM Mono', monospace;
+    color: var(--f-navy);
+  }
+
+  &:hover {
+    border-color: var(--f-navy);
+  }
+
+  &.active {
+    background: var(--f-navy);
+    border-color: var(--f-navy);
+    color: #fff;
+
+    strong {
+      color: #fff;
+    }
+  }
+}
+
+.fd-tag {
+  display: inline-block;
+  margin-left: 6px;
+  padding: 1px 7px;
+  border-radius: 999px;
+  font-size: 10px;
+  font-weight: 700;
+  background: var(--f-amber-l);
+  color: var(--f-amber);
+  white-space: nowrap;
+
+  &--ctr {
+    background: var(--f-red-l);
+    color: var(--f-red);
+  }
+}
+
+.fd-ratio {
+  font-weight: 600;
+
+  &--mid {
+    color: var(--f-amber);
+  }
+
+  &--high {
+    color: var(--f-red);
+    font-weight: 700;
+  }
+}
+
+.cr {
+  color: var(--f-green);
+  font-weight: 700;
+}
+
+.dr {
+  color: var(--f-red);
+  font-weight: 700;
+}
+
+.mono {
+  font-family: 'DM Mono', monospace;
+  font-size: 11.5px;
+}
+
+.fd-empty {
+  padding: 44px;
+  text-align: center;
+  color: var(--f-g500);
+  font-size: 13px;
+}
+
+/* TOAST */
+.fd-toast {
+  position: fixed;
+  bottom: 32px;
+  left: 50%;
+  transform: translateX(-50%) translateY(20px);
+  background: var(--f-navy);
+  color: #fff;
+  padding: 12px 22px;
+  border-radius: 10px;
+  font-size: 13px;
+  box-shadow: 0 6px 20px rgb(0 0 0 / 25%);
+  opacity: 0;
+  pointer-events: none;
+  transition: all 0.25s;
+  z-index: 1500;
+
+  &.show {
+    opacity: 1;
+    transform: translateX(-50%) translateY(0);
+  }
+}
+
+@media (width <= 1200px) {
+  .fd-kpis {
+    grid-template-columns: 1fr 1fr;
+  }
+
+  .fd-decl {
+    grid-template-columns: 1fr 1fr;
+  }
+}

src/app/form-declarations/form-declaration-report.component.ts

@@ -0,0 +1,474 @@
+/**
+ * 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, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import * as ExcelJS from 'exceljs';
+
+import { BranchScopeService } from '../core/branch-scope.service';
+import { GL_BRANCHES, GL_PERIOD, glBranchName } from '../gl-reports/gl-reports-data';
+import { FORM_LABEL, FORM_THRESHOLD, FormType, TXN_GROUPS } from './form-declaration-data';
+import {
+  DateRange,
+  FormPersonRow,
+  FormReportFilter,
+  FormReportSummary,
+  FormTxnRow,
+  formPersonRows,
+  formReportSummary,
+  formTxnRows,
+  monthRange,
+  weekRange
+} from './form-declaration.compute';
+
+type PeriodMode = 'day' | 'week' | 'month' | 'range';
+type ViewMode = 'person' | 'transaction';
+
+@Component({
+  selector: 'mifosx-form-declaration-report',
+  templateUrl: './form-declaration-report.component.html',
+  styleUrls: ['./form-declaration-report.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FaIconComponent,
+    FormsModule
+  ]
+})
+export class FormDeclarationReportComponent implements OnInit {
+  private scope = inject(BranchScopeService);
+
+  readonly period = GL_PERIOD;
+  readonly branches = GL_BRANCHES;
+  readonly formLabel = FORM_LABEL;
+  readonly threshold = FORM_THRESHOLD;
+  readonly txnGroups = TXN_GROUPS;
+
+  readonly periodModes: { key: PeriodMode; label: string }[] = [
+    { key: 'day', label: 'Day wise' },
+    { key: 'week', label: 'Week wise' },
+    { key: 'month', label: 'Month wise' },
+    { key: 'range', label: 'Between dates' }
+  ];
+
+  // ── Filter state ───────────────────────────────────────────────────────────
+  periodMode: PeriodMode = 'month';
+  filterDay = '2026-07-31';
+  /** Any date inside the wanted week; resolved to Mon–Sat. */
+  filterWeek = '2026-07-27';
+  filterMonth = '2026-07';
+  filterFrom = GL_PERIOD.fyStart;
+  filterTo = GL_PERIOD.fyEnd;
+  branchCode = '';
+  formType: FormType | '' = '';
+  group = '';
+  search = '';
+  flaggedOnly = false;
+
+  view: ViewMode = 'person';
+  /** Acknowledgement number of the person row currently expanded. */
+  expanded: string | null = null;
+
+  generating = false;
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: any;
+
+  ngOnInit(): void {
+    // A branch login opens on its own book and cannot move off it.
+    this.branchCode = this.scope.defaultBranchCode;
+  }
+
+  // ── Filter resolution ──────────────────────────────────────────────────────
+
+  get range(): DateRange {
+    if (this.periodMode === 'day') {
+      return { from: this.filterDay, to: this.filterDay };
+    }
+    if (this.periodMode === 'week') {
+      return weekRange(this.filterWeek);
+    }
+    if (this.periodMode === 'month') {
+      return monthRange(this.filterMonth);
+    }
+    return { from: this.filterFrom, to: this.filterTo };
+  }
+
+  get rangeLabel(): string {
+    const r = this.range;
+    return r.from === r.to ? r.from : `${r.from} to ${r.to}`;
+  }
+
+  get canSelectBranch(): boolean {
+    return this.scope.canSelectBranch;
+  }
+
+  get branchLabel(): string {
+    if (!this.canSelectBranch) {
+      return this.scope.officeName;
+    }
+    return this.branchCode ? glBranchName(this.branchCode) : 'All Branches (Consolidated)';
+  }
+
+  /**
+   * Applied at the data boundary rather than only in the UI, so a branch login
+   * cannot widen its own scope by tampering with component state.
+   */
+  private get effectiveBranch(): string {
+    return this.scope.enforce(this.branchCode);
+  }
+
+  private get filter(): FormReportFilter {
+    return {
+      range: this.range,
+      branchCode: this.effectiveBranch,
+      formType: this.formType,
+      group: this.group,
+      search: this.search,
+      flaggedOnly: this.flaggedOnly
+    };
+  }
+
+  resetFilters(): void {
+    this.periodMode = 'month';
+    this.filterDay = '2026-07-31';
+    this.filterWeek = '2026-07-27';
+    this.filterMonth = '2026-07';
+    this.filterFrom = GL_PERIOD.fyStart;
+    this.filterTo = GL_PERIOD.fyEnd;
+    this.formType = '';
+    this.group = '';
+    this.search = '';
+    this.flaggedOnly = false;
+    this.expanded = null;
+    // Reset returns a branch login to its own branch, never to "all".
+    this.branchCode = this.scope.defaultBranchCode;
+  }
+
+  // ── Data ───────────────────────────────────────────────────────────────────
+
+  get summary(): FormReportSummary {
+    return formReportSummary(this.filter);
+  }
+
+  get personRows(): FormPersonRow[] {
+    return formPersonRows(this.filter);
+  }
+
+  get txnRows(): FormTxnRow[] {
+    return formTxnRows(this.filter);
+  }
+
+  toggle(ackNo: string): void {
+    this.expanded = this.expanded === ackNo ? null : ackNo;
+  }
+
+  /** Cash turnover far above declared income is the point of the report. */
+  ratioClass(ratio: number): string {
+    if (ratio >= 5) {
+      return 'fd-ratio fd-ratio--high';
+    }
+    if (ratio >= 2) {
+      return 'fd-ratio fd-ratio--mid';
+    }
+    return 'fd-ratio';
+  }
+
+  // ── Excel ──────────────────────────────────────────────────────────────────
+
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      const wb = new ExcelJS.Workbook();
+      wb.creator = 'CBSNexora';
+      wb.created = new Date();
+
+      this.writeSummarySheet(wb);
+      this.writePersonSheet(wb);
+      this.writeTransactionSheet(wb);
+
+      const buffer = await wb.xlsx.writeBuffer();
+      const blob = new Blob([buffer], {
+        type: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet'
+      });
+      const url = URL.createObjectURL(blob);
+      const a = document.createElement('a');
+      a.href = url;
+      a.download = `Form-97-98-Transaction-Report-${this.range.from}-to-${this.range.to}.xlsx`;
+      document.body.appendChild(a);
+      a.click();
+      document.body.removeChild(a);
+      URL.revokeObjectURL(url);
+      this.toast(`Exported ${this.summary.txnCount} transactions for ${this.rangeLabel}`);
+    } catch {
+      this.toast('Could not generate the workbook — please retry');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  /** Title band + filter caption, repeated on every sheet so pages stand alone. */
+  private banner(sheet: ExcelJS.Worksheet, title: string, cols: number): void {
+    const t = sheet.addRow([title]);
+    sheet.mergeCells(t.number, 1, t.number, cols);
+    t.font = { bold: true, size: 14, color: { argb: 'FFFFFFFF' } };
+    t.alignment = { horizontal: 'center', vertical: 'middle' };
+    t.height = 24;
+    t.getCell(1).fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FF1A237E' } };
+
+    const formCaption = this.formType ? FORM_LABEL[this.formType] : 'Form 97 and Form 98';
+    const meta = sheet.addRow([
+      `Period: ${this.rangeLabel}   ·   Branch: ${this.branchLabel}   ·   Declaration: ${formCaption}` +
+        `   ·   Category: ${this.group || 'All transaction types'}`
+    ]);
+    sheet.mergeCells(meta.number, 1, meta.number, cols);
+    meta.font = { italic: true, size: 10 };
+    sheet.addRow([]);
+  }
+
+  private headerRow(sheet: ExcelJS.Worksheet, headers: string[]): void {
+    const head = sheet.addRow(headers);
+    head.font = { bold: true };
+    head.alignment = { wrapText: true, horizontal: 'center' };
+    head.eachCell((c) => {
+      c.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FFE2E8F0' } };
+      c.border = { bottom: { style: 'thin' } };
+    });
+  }
+
+  private writeSummarySheet(wb: ExcelJS.Workbook): void {
+    const s = this.summary;
+    const sheet = wb.addWorksheet('Summary');
+    sheet.columns = [
+      { width: 52 },
+      { width: 24 }];
+    this.banner(sheet, 'Form 97 / 98 Transaction Report — Summary', 2);
+    this.headerRow(sheet, [
+      'Particulars',
+      'Value'
+    ]);
+
+    const money = new Set([
+      'Total cash turnover',
+      'Total credits',
+      'Total debits'
+    ]);
+
+    const lines: [string, string | number][] = [
+      [
+        'Declarants transacting in the period',
+        s.persons
+      ],
+      [
+        '  of which Form 97 (no PAN)',
+        s.form60Persons
+      ],
+      [
+        '  of which Form 98 (agricultural income only)',
+        s.form61Persons
+      ],
+      [
+        'Total transactions — all types',
+        s.txnCount
+      ],
+      [
+        '  of which cash (counter and ATM)',
+        s.cashCount
+      ],
+      [
+        '  of which in a Rule 114B category',
+        s.declarationRequired
+      ],
+      [
+        'Total cash turnover',
+        s.cashTotal
+      ],
+      [
+        'Total credits',
+        s.totalCredit
+      ],
+      [
+        'Total debits',
+        s.totalDebit
+      ],
+      [
+        `Cash transactions at or above ₹${FORM_THRESHOLD.CTR.toLocaleString('en-IN')} (CTR reportable)`,
+        s.ctrReportable
+      ]
+    ];
+
+    for (const [
+      label,
+      value
+    ] of lines) {
+      const row = sheet.addRow([
+        label,
+        value
+      ]);
+      if (money.has(label)) {
+        row.getCell(2).numFmt = '#,##0.00';
+      }
+    }
+
+    // Category mix — what the customer group actually does, beyond the
+    // declared transactions.
+    sheet.addRow([]);
+    this.headerRow(sheet, [
+      'Transaction category',
+      'Count'
+    ]);
+    for (const g of s.byGroup) {
+      sheet.addRow([
+        g.group,
+        g.count
+      ]);
+    }
+    sheet.views = [{ state: 'frozen', ySplit: 4 }];
+  }
+
+  private writePersonSheet(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('Person wise');
+    const widths = [
+      18,
+      12,
+      26,
+      24,
+      18,
+      14,
+      10,
+      10,
+      10,
+      16,
+      16,
+      16,
+      14,
+      10,
+      34
+    ];
+    sheet.columns = widths.map((w) => ({ width: w }));
+    this.banner(sheet, 'Form 97 / 98 Transaction Report — Person wise', widths.length);
+    this.headerRow(sheet, [
+      'Acknowledgement',
+      'Form',
+      'Name of declarant',
+      "Father's name",
+      'Account No',
+      'Branch',
+      'Total txns',
+      'Cash txns',
+      'Rule 114B txns',
+      'Cash turnover',
+      'Total credit',
+      'Total debit',
+      'Declared income',
+      'CTR rows',
+      'Categories transacted'
+    ]);
+
+    for (const p of this.personRows) {
+      const row = sheet.addRow([
+        p.declarant.ackNo,
+        FORM_LABEL[p.declarant.formType],
+        p.declarant.name,
+        p.declarant.fatherName,
+        p.declarant.accountNo,
+        glBranchName(p.declarant.branchCode),
+        p.txnCount,
+        p.cashCount,
+        p.declaredCount,
+        p.cashTotal,
+        p.totalCredit,
+        p.totalDebit,
+        p.declarant.estimatedIncome,
+        p.ctrCount,
+        p.groups.join(', ')
+      ]);
+      for (const c of [
+        10,
+        11,
+        12,
+        13
+      ]) {
+        row.getCell(c).numFmt = '#,##0.00';
+      }
+    }
+    sheet.views = [{ state: 'frozen', ySplit: 4 }];
+  }
+
+  private writeTransactionSheet(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('Transactions');
+    const widths = [
+      12,
+      12,
+      18,
+      12,
+      26,
+      18,
+      14,
+      12,
+      10,
+      6,
+      16,
+      46,
+      16,
+      12
+    ];
+    sheet.columns = widths.map((w) => ({ width: w }));
+    this.banner(sheet, 'Form 97 / 98 Transaction Report — Transaction wise', widths.length);
+    this.headerRow(sheet, [
+      'Date',
+      'Txn ID',
+      'Acknowledgement',
+      'Form',
+      'Name of declarant',
+      'Account No',
+      'Branch',
+      'Category',
+      'Mode',
+      'Dr/Cr',
+      'Amount',
+      'Nature of transaction',
+      'Voucher No',
+      'Flag'
+    ]);
+
+    for (const t of this.txnRows) {
+      const row = sheet.addRow([
+        t.date,
+        t.txnId,
+        t.ackNo,
+        FORM_LABEL[t.formType],
+        t.declarantName,
+        t.accountNo,
+        glBranchName(t.branchCode),
+        t.group,
+        t.mode,
+        t.drCr,
+        t.amount,
+        t.nature,
+        t.voucherNo,
+        t.ctrReportable ? 'CTR' : t.declarationRequired ? 'Rule 114B' : ''
+      ]);
+      row.getCell(11).numFmt = '#,##0.00';
+      if (t.ctrReportable) {
+        row.getCell(14).font = { bold: true, color: { argb: 'FFC0392B' } };
+      }
+    }
+    sheet.views = [{ state: 'frozen', ySplit: 4 }];
+  }
+
+  private toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    if (this.toastTimer) {
+      clearTimeout(this.toastTimer);
+    }
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
+}

src/app/form-declarations/form-declaration.compute.ts

@@ -0,0 +1,296 @@
+/**
+ * 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 { GL_PERIOD } from '../gl-reports/gl-reports-data';
+import {
+  FORM_THRESHOLD,
+  FormDeclarant,
+  FormDeclarantTxn,
+  FormType,
+  formDeclarants,
+  formDeclarantTxns
+} from './form-declaration-data';
+
+export interface DateRange {
+  from: string;
+  to: string;
+}
+
+export interface FormReportFilter {
+  range: DateRange;
+  /** '' means every branch. */
+  branchCode: string;
+  /** '' means both declaration types. */
+  formType: FormType | '';
+  /** '' means every transaction category (Cash, Clearing, Loan, …). */
+  group: string;
+  /** Free text over name, account number and acknowledgement number. */
+  search: string;
+  /** Show only rows a compliance officer would need to look at. */
+  flaggedOnly: boolean;
+}
+
+/** One transaction, joined to the declarant who filed for it. */
+export interface FormTxnRow extends FormDeclarantTxn {
+  declarantName: string;
+  formType: FormType;
+  fatherName: string;
+  declaredOn: string;
+  reasonForNoPan: string;
+  estimatedIncome: number;
+  /** Counter or ATM cash, as opposed to a book or electronic entry. */
+  isCash: boolean;
+  /**
+   * The transaction is one of the categories in Rule 114B, so PAN — and in its
+   * absence the Form 97/98 declaration — was mandatory for it.
+   */
+  declarationRequired: boolean;
+  /** Cash at or above the CTR limit — also lands in the monthly CTR. */
+  ctrReportable: boolean;
+}
+
+/** A declarant with their totals for the period. */
+export interface FormPersonRow {
+  declarant: FormDeclarant;
+  txns: FormTxnRow[];
+  txnCount: number;
+  cashCount: number;
+  totalCredit: number;
+  totalDebit: number;
+  cashTotal: number;
+  /** Largest single transaction, used to sort the riskiest to the top. */
+  maxAmount: number;
+  /** How many of the period's transactions needed the declaration. */
+  declaredCount: number;
+  ctrCount: number;
+  /** Distinct categories the customer transacted in during the period. */
+  groups: string[];
+  /**
+   * Aggregate cash for the period against the income the customer declared.
+   * A ratio well above 1 is the classic "turnover inconsistent with declared
+   * income" flag, which is why the declaration is collected in the first place.
+   */
+  incomeRatio: number;
+}
+
+export interface FormReportSummary {
+  persons: number;
+  form60Persons: number;
+  form61Persons: number;
+  txnCount: number;
+  cashTotal: number;
+  cashCount: number;
+  totalCredit: number;
+  totalDebit: number;
+  /** Transactions falling in a Rule 114B category. */
+  declarationRequired: number;
+  ctrReportable: number;
+  /** Transaction count by category, largest first — drives the mix panel. */
+  byGroup: { group: string; count: number; amount: number }[];
+}
+
+function clamp(range: DateRange): DateRange {
+  const from = range.from < GL_PERIOD.fyStart ? GL_PERIOD.fyStart : range.from;
+  const to = range.to > GL_PERIOD.fyEnd ? GL_PERIOD.fyEnd : range.to;
+  // A backwards range would silently return nothing; collapse it to a single day.
+  return from > to ? { from: to, to: to } : { from, to };
+}
+
+/** Monday-to-Saturday banking week containing the given date. */
+export function weekRange(anchor: string): DateRange {
+  const d = new Date(`${anchor}T00:00:00Z`);
+  const dow = d.getUTCDay(); // 0 = Sunday
+  const monday = new Date(d.getTime());
+  monday.setUTCDate(d.getUTCDate() - (dow === 0 ? 6 : dow - 1));
+  const saturday = new Date(monday.getTime());
+  saturday.setUTCDate(monday.getUTCDate() + 5);
+  const iso = (x: Date) => x.toISOString().slice(0, 10);
+  return { from: iso(monday), to: iso(saturday) };
+}
+
+export function monthRange(month: string): DateRange {
+  const [
+    y,
+    m
+  ] = month.split('-').map(Number);
+  const last = new Date(Date.UTC(y, m, 0)).getUTCDate();
+  return { from: `${month}-01`, to: `${month}-${`${last}`.padStart(2, '0')}` };
+}
+
+/**
+ * Transactions matching the filter, each joined to its declarant.
+ *
+ * Memoised on the filter signature: the getters that feed the template are read
+ * many times per change-detection pass, and re-scanning several hundred rows on
+ * every read is what made the GL reports stall.
+ */
+let rowCacheKey = '';
+let rowCache: FormTxnRow[] = [];
+
+export function formTxnRows(filter: FormReportFilter): FormTxnRow[] {
+  const range = clamp(filter.range);
+  const key = [
+    range.from,
+    range.to,
+    filter.branchCode,
+    filter.formType,
+    filter.group,
+    filter.search.trim().toLowerCase(),
+    filter.flaggedOnly ? '1' : '0'
+  ].join('|');
+
+  if (key === rowCacheKey) {
+    return rowCache;
+  }
+
+  const byAck = new Map(
+    formDeclarants().map((d) => [
+      d.ackNo,
+      d
+    ])
+  );
+  const needle = filter.search.trim().toLowerCase();
+
+  const rows: FormTxnRow[] = [];
+  for (const t of formDeclarantTxns()) {
+    if (t.date < range.from || t.date > range.to) {
+      continue;
+    }
+    if (filter.branchCode && t.branchCode !== filter.branchCode) {
+      continue;
+    }
+    if (filter.group && t.group !== filter.group) {
+      continue;
+    }
+    const d = byAck.get(t.ackNo);
+    if (!d) {
+      continue;
+    }
+    if (filter.formType && d.formType !== filter.formType) {
+      continue;
+    }
+    if (
+      needle &&
+      !d.name.toLowerCase().includes(needle) &&
+      !t.accountNo.toLowerCase().includes(needle) &&
+      !d.ackNo.toLowerCase().includes(needle)
+    ) {
+      continue;
+    }
+
+    // ATM dispensing is cash in the customer's hands, so it counts towards the
+    // cash view even though it never crossed the counter.
+    const isCash = t.mode === 'CASH' || t.mode === 'ATM';
+    const ctrReportable = isCash && t.amount >= FORM_THRESHOLD.CTR;
+
+    if (filter.flaggedOnly && !ctrReportable) {
+      continue;
+    }
+
+    rows.push({
+      ...t,
+      declarantName: d.name,
+      formType: d.formType,
+      fatherName: d.fatherName,
+      declaredOn: d.declaredOn,
+      reasonForNoPan: d.reasonForNoPan,
+      estimatedIncome: d.estimatedIncome,
+      isCash,
+      declarationRequired: t.rule114B,
+      ctrReportable
+    });
+  }
+
+  rowCacheKey = key;
+  rowCache = rows;
+  return rows;
+}
+
+/** The same rows grouped by declarant, heaviest customer first. */
+export function formPersonRows(filter: FormReportFilter): FormPersonRow[] {
+  const byAck = new Map(
+    formDeclarants().map((d) => [
+      d.ackNo,
+      d
+    ])
+  );
+  const grouped = new Map<string, FormTxnRow[]>();
+
+  for (const r of formTxnRows(filter)) {
+    const list = grouped.get(r.ackNo);
+    if (list) {
+      list.push(r);
+    } else {
+      grouped.set(r.ackNo, [r]);
+    }
+  }
+
+  const out: FormPersonRow[] = [];
+  for (const [
+    ackNo,
+    txns
+  ] of grouped) {
+    const declarant = byAck.get(ackNo);
+    if (!declarant) {
+      continue;
+    }
+    const cash = txns.filter((t) => t.isCash);
+    const cashTotal = cash.reduce((s, t) => s + t.amount, 0);
+    out.push({
+      declarant,
+      txns,
+      txnCount: txns.length,
+      cashCount: cash.length,
+      totalCredit: txns.filter((t) => t.drCr === 'CR').reduce((s, t) => s + t.amount, 0),
+      totalDebit: txns.filter((t) => t.drCr === 'DR').reduce((s, t) => s + t.amount, 0),
+      cashTotal,
+      maxAmount: txns.reduce((m, t) => Math.max(m, t.amount), 0),
+      declaredCount: txns.filter((t) => t.declarationRequired).length,
+      ctrCount: txns.filter((t) => t.ctrReportable).length,
+      groups: [...new Set(txns.map((t) => t.group))].sort(),
+      incomeRatio: declarant.estimatedIncome > 0 ? cashTotal / declarant.estimatedIncome : 0
+    });
+  }
+
+  out.sort((a, b) => b.cashTotal - a.cashTotal);
+  return out;
+}
+
+export function formReportSummary(filter: FormReportFilter): FormReportSummary {
+  const rows = formTxnRows(filter);
+  const acks = new Set(rows.map((r) => r.ackNo));
+  const form61 = new Set(rows.filter((r) => r.formType === 'FORM_61').map((r) => r.ackNo));
+  const form60 = new Set(rows.filter((r) => r.formType === 'FORM_60').map((r) => r.ackNo));
+
+  const groupMap = new Map<string, { group: string; count: number; amount: number }>();
+  for (const r of rows) {
+    const g = groupMap.get(r.group);
+    if (g) {
+      g.count++;
+      g.amount += r.amount;
+    } else {
+      groupMap.set(r.group, { group: r.group, count: 1, amount: r.amount });
+    }
+  }
+
+  const cash = rows.filter((r) => r.isCash);
+
+  return {
+    persons: acks.size,
+    form60Persons: form60.size,
+    form61Persons: form61.size,
+    txnCount: rows.length,
+    cashTotal: cash.reduce((s, r) => s + r.amount, 0),
+    cashCount: cash.length,
+    totalCredit: rows.filter((r) => r.drCr === 'CR').reduce((s, r) => s + r.amount, 0),
+    totalDebit: rows.filter((r) => r.drCr === 'DR').reduce((s, r) => s + r.amount, 0),
+    declarationRequired: rows.filter((r) => r.declarationRequired).length,
+    ctrReportable: rows.filter((r) => r.ctrReportable).length,
+    byGroup: [...groupMap.values()].sort((a, b) => b.count - a.count)
+  };
+}

src/app/gl-reports/gl-reports-data.ts

@@ -114,18 +114,84 @@ export const GL_ACCOUNTS: GlAccount[] = [
   { code: '420103', name: "Auditors' Fees", type: 'EXPENSE', group: 'Operating Expenses' },
   { code: '420104', name: 'Rent, Taxes & Lighting', type: 'EXPENSE', group: 'Operating Expenses' },
   { code: '420105', name: 'Depreciation on Bank Property', type: 'EXPENSE', group: 'Operating Expenses' },
-  { code: '430101', name: 'Printing & Stationery', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+  {
-  { code: '430102', name: 'Postage, Telegram & Telephone', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    code: '430101',
-  { code: '430103', name: 'Advertisement & Publicity', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    name: 'Printing & Stationery',
-  { code: '430104', name: 'Repairs & Maintenance', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    type: 'EXPENSE',
-  { code: '430105', name: 'Travelling & Conveyance', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    group: 'Miscellaneous Expenses',
-  { code: '430106', name: 'Computer & Software Expenses', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    miscExpense: true
-  { code: '430107', name: 'Legal & Professional Charges', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+  },
-  { code: '430108', name: 'Insurance (DICGC & Other)', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+  {
-  { code: '430109', name: 'Bank Charges & Commission Paid', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    code: '430102',
-  { code: '430110', name: 'AGM & Meeting Expenses', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+    name: 'Postage, Telegram & Telephone',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430103',
+    name: 'Advertisement & Publicity',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430104',
+    name: 'Repairs & Maintenance',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430105',
+    name: 'Travelling & Conveyance',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430106',
+    name: 'Computer & Software Expenses',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430107',
+    name: 'Legal & Professional Charges',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430108',
+    name: 'Insurance (DICGC & Other)',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430109',
+    name: 'Bank Charges & Commission Paid',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
+  {
+    code: '430110',
+    name: 'AGM & Meeting Expenses',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
   { code: '430111', name: 'Electricity Charges', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
-  { code: '430112', name: 'Other Miscellaneous Expenses', type: 'EXPENSE', group: 'Miscellaneous Expenses', miscExpense: true },
+  {
+    code: '430112',
+    name: 'Other Miscellaneous Expenses',
+    type: 'EXPENSE',
+    group: 'Miscellaneous Expenses',
+    miscExpense: true
+  },
 
   // ── Contingent (memoranda, not part of the balance sheet totals) ──────────
   { code: '910101', name: 'Guarantees Issued — Financial', type: 'CONTINGENT', group: 'Guarantees' },
@@ -261,8 +327,20 @@ const VOUCHER_TEMPLATES: {
   { debit: '110101', credit: '320102', narration: 'Locker rent collected', scale: 9_000, frequency: 0.3 },
   { debit: '110101', credit: '320103', narration: 'Loan processing fees', scale: 18_000, frequency: 0.5 },
   { debit: '110101', credit: '320105', narration: 'Miscellaneous income', scale: 7_500, frequency: 0.4 },
-  { debit: '410101', credit: '230101', narration: 'Interest provided on savings deposits', scale: 128_000, frequency: 0.8 },
+  {
-  { debit: '410102', credit: '230101', narration: 'Interest provided on term deposits', scale: 265_000, frequency: 0.9 },
+    debit: '410101',
+    credit: '230101',
+    narration: 'Interest provided on savings deposits',
+    scale: 128_000,
+    frequency: 0.8
+  },
+  {
+    debit: '410102',
+    credit: '230101',
+    narration: 'Interest provided on term deposits',
+    scale: 265_000,
+    frequency: 0.9
+  },
   { debit: '420101', credit: '110101', narration: 'Salaries and allowances paid', scale: 210_000, frequency: 0.35 },
   { debit: '420104', credit: '110101', narration: 'Rent, taxes and lighting', scale: 46_000, frequency: 0.3 },
   { debit: '430101', credit: '110101', narration: 'Printing and stationery purchased', scale: 9_400, frequency: 0.3 },
@@ -275,14 +353,32 @@ const VOUCHER_TEMPLATES: {
   { debit: '430109', credit: '110101', narration: 'Bank charges and commission paid', scale: 4_800, frequency: 0.3 },
   { debit: '430111', credit: '110101', narration: 'Electricity charges', scale: 13_600, frequency: 0.25 },
   { debit: '430112', credit: '110101', narration: 'Other miscellaneous expenses', scale: 8_900, frequency: 0.3 },
-  { debit: '110102', credit: '110101', narration: 'Cash remitted to RBI currency chest', scale: 1_800_000, frequency: 0.2 },
+  {
-  { debit: '110101', credit: '110103', narration: 'Funds drawn from correspondent bank', scale: 1_400_000, frequency: 0.2 }
+    debit: '110102',
+    credit: '110101',
+    narration: 'Cash remitted to RBI currency chest',
+    scale: 1_800_000,
+    frequency: 0.2
+  },
+  {
+    debit: '110101',
+    credit: '110103',
+    narration: 'Funds drawn from correspondent bank',
+    scale: 1_400_000,
+    frequency: 0.2
+  }
 ];
 
 /** Head-Office-only vouchers — investments, reserves and centralised charges. */
 const HO_TEMPLATES: typeof VOUCHER_TEMPLATES = [
   { debit: '120101', credit: '110102', narration: 'Purchase of Govt securities', scale: 2_400_000, frequency: 0.12 },
-  { debit: '120102', credit: '110102', narration: 'Purchase of State Govt securities', scale: 1_900_000, frequency: 0.12 },
+  {
+    debit: '120102',
+    credit: '110102',
+    narration: 'Purchase of State Govt securities',
+    scale: 1_900_000,
+    frequency: 0.12
+  },
   { debit: '110102', credit: '320104', narration: 'Profit on sale of securities', scale: 78_000, frequency: 0.1 },
   { debit: '420102', credit: '110101', narration: "Directors' sitting fees", scale: 32_000, frequency: 0.08 },
   { debit: '420103', credit: '110101', narration: "Statutory auditors' fees", scale: 45_000, frequency: 0.06 },
@@ -342,7 +438,10 @@ export function glPostings(): GlPosting[] {
   let openingDebit = 0;
   let openingCredit = 0;
 
-  for (const [code, amount] of Object.entries(OPENING_BALANCES)) {
+  for (const [
+    code,
+    amount
+  ] of Object.entries(OPENING_BALANCES)) {
     if (!amount) {
       continue;
     }
@@ -425,7 +524,10 @@ export function glPostings(): GlPosting[] {
     for (const branch of GL_BRANCHES) {
       // Head Office posts fewer counter transactions than the branches.
       const weight = branch.code === 'HO' ? 0.45 : 1;
-      const templates = branch.code === 'HO' ? [...VOUCHER_TEMPLATES, ...HO_TEMPLATES] : VOUCHER_TEMPLATES;
+      const templates = branch.code === 'HO' ? [
+              ...VOUCHER_TEMPLATES,
+              ...HO_TEMPLATES
+            ] : VOUCHER_TEMPLATES;
 
       for (const tpl of templates) {
         if (rand() > tpl.frequency * weight) {
@@ -487,6 +589,131 @@ export function glPostings(): GlPosting[] {
   return out;
 }
 
+/**
+ * Customer sub-ledger.
+ *
+ * The GL is account-level, so a client-wise report needs a customer dimension on top.
+ * Each customer holds a share of one GL head at one branch; balances are not stored,
+ * they are derived at query time as `share x that head's GL balance`. That way the
+ * client-wise report always reconciles to the General Ledger exactly, whatever period
+ * or branch is selected, instead of drifting as a second source of truth.
+ */
+export interface GlCustomer {
+  cif: string;
+  name: string;
+  branchCode: string;
+  /** GL head this relationship sits under. */
+  accountCode: string;
+  accountNo: string;
+  /** Fraction of the branch's balance in that head. Shares per (branch, head) sum to 1. */
+  share: number;
+}
+
+const FIRST_NAMES = [
+  'Ravi',
+  'Priya',
+  'Vikram',
+  'Nirav',
+  'Kavita',
+  'Arjun',
+  'Lakshmi',
+  'Sameer',
+  'Anjali',
+  'Rohan',
+  'Meera',
+  'Karan',
+  'Divya',
+  'Sanjay',
+  'Pooja',
+  'Amit',
+  'Sneha',
+  'Manish',
+  'Rekha',
+  'Deepak'
+];
+const LAST_NAMES = [
+  'Sharma',
+  'Patel',
+  'Reddy',
+  'Shah',
+  'Verma',
+  'Deshmukh',
+  'Iyer',
+  'Kapoor',
+  'Nair',
+  'Joshi',
+  'Mehta',
+  'Gupta',
+  'Rao',
+  'Bhatt',
+  'Chauhan'
+];
+const FIRMS = [
+  'Traders',
+  'Enterprises',
+  'Agencies',
+  '& Sons',
+  'Industries',
+  'Stores',
+  'Corporation'
+];
+
+/** Customer-facing heads a client relationship can sit under. */
+const CUSTOMER_HEADS = [
+  '220101',
+  '220102',
+  '220103',
+  '220104',
+  '130101',
+  '130102',
+  '130103',
+  '130104',
+  '130105',
+  '130106'
+];
+
+let cachedCustomers: GlCustomer[] | null = null;
+
+export function glCustomers(): GlCustomer[] {
+  if (cachedCustomers) {
+    return cachedCustomers;
+  }
+  const rand = lcg(76543210);
+  const out: GlCustomer[] = [];
+  let seq = 1;
+
+  for (const branch of GL_BRANCHES) {
+    for (const head of CUSTOMER_HEADS) {
+      // Deposits are held by many customers; advances by fewer, larger ones.
+      const isAdvance = head.startsWith('13');
+      const count = isAdvance ? 2 + Math.floor(rand() * 3) : 3 + Math.floor(rand() * 4);
+      const weights: number[] = [];
+      for (let i = 0; i < count; i++) {
+        weights.push(0.35 + rand() * 0.65);
+      }
+      const weightTotal = weights.reduce((a, b) => a + b, 0);
+
+      for (let i = 0; i < count; i++) {
+        const corporate = isAdvance && rand() > 0.55;
+        const name = corporate
+          ? `${LAST_NAMES[Math.floor(rand() * LAST_NAMES.length)]} ${FIRMS[Math.floor(rand() * FIRMS.length)]}`
+          : `${FIRST_NAMES[Math.floor(rand() * FIRST_NAMES.length)]} ${LAST_NAMES[Math.floor(rand() * LAST_NAMES.length)]}`;
+        out.push({
+          cif: `CIF${`${100000 + seq}`}`,
+          name,
+          branchCode: branch.code,
+          accountCode: head,
+          accountNo: `${branch.code === 'HO' ? '0001' : branch.code}${head}${`${seq}`.padStart(4, '0')}`,
+          share: weights[i] / weightTotal
+        });
+        seq++;
+      }
+    }
+  }
+  cachedCustomers = out;
+  return out;
+}
+
 export function glAccount(code: string): GlAccount | undefined {
   return GL_ACCOUNTS.find((a) => a.code === code);
 }

src/app/gl-reports/gl-reports.component.html

@@ -79,17 +79,33 @@
 
     <div class="glr-filter">
       <label>Branch</label>
-      <select class="glr-inp" [(ngModel)]="branchCode">
+      @if (canSelectBranch) {
-        <option value="">All Branches (Consolidated)</option>
+        <select class="glr-inp" [(ngModel)]="branchCode">
-        @for (b of branches; track b.code) {
+          <option value="">All Branches (Consolidated)</option>
-          <option [value]="b.code">{{ b.code }} — {{ b.name }}</option>
+          @for (b of branches; track b.code) {
-        }
+            <option [value]="b.code">{{ b.code }} — {{ b.name }}</option>
-      </select>
+          }
+        </select>
+      } @else {
+        <span class="glr-chip" title="Your login is restricted to this branch">
+          <fa-icon icon="university"></fa-icon> {{ scopeName }}
+        </span>
+      }
     </div>
 
     <button class="glr-btn" (click)="resetFilters()">Reset</button>
   </div>
 
+  @if (scopeIsUnresolved) {
+    <div class="glr-balance glr-balance--bad">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <span>
+        Your office <strong>{{ scopeName }}</strong> does not match any branch in the ledger, so no figures can be
+        shown. Ask an administrator to align your office name with a branch.
+      </span>
+    </div>
+  }
+
   <!-- REPORT SELECTOR -->
   <div class="glr-tabs">
     @for (r of reports; track r.code) {
@@ -193,7 +209,9 @@
               @for (r of pnlExpense; track r.code) {
                 <tr>
                   <td class="mono">{{ r.code }}</td>
-                  <td>{{ r.name }}<span class="muted"> · {{ r.group }}</span></td>
+                  <td>
+                    {{ r.name }}<span class="muted"> · {{ r.group }}</span>
+                  </td>
                   <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
                 </tr>
               } @empty {
@@ -229,7 +247,9 @@
               @for (r of pnlIncome; track r.code) {
                 <tr>
                   <td class="mono">{{ r.code }}</td>
-                  <td>{{ r.name }}<span class="muted"> · {{ r.group }}</span></td>
+                  <td>
+                    {{ r.name }}<span class="muted"> · {{ r.group }}</span>
+                  </td>
                   <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
                 </tr>
               } @empty {
@@ -281,7 +301,9 @@
               @for (r of bsLiabilities; track r.code) {
                 <tr>
                   <td class="mono">{{ r.code }}</td>
-                  <td>{{ r.name }}<span class="muted"> · {{ r.group }}</span></td>
+                  <td>
+                    {{ r.name }}<span class="muted"> · {{ r.group }}</span>
+                  </td>
                   <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
                 </tr>
               }
@@ -312,7 +334,9 @@
               @for (r of bsAssets; track r.code) {
                 <tr>
                   <td class="mono">{{ r.code }}</td>
-                  <td>{{ r.name }}<span class="muted"> · {{ r.group }}</span></td>
+                  <td>
+                    {{ r.name }}<span class="muted"> · {{ r.group }}</span>
+                  </td>
                   <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
                 </tr>
               }
@@ -331,11 +355,17 @@
   @if (activeReport === 'comparative-balance-sheet') {
     <div class="glr-section">
       <p class="glr-note">
-        Compares the closing position as at <strong>{{ range.to }}</strong> against the position immediately before
+        Compares the closing position as at <strong>{{ range.to }}</strong> against the position immediately before this
-        this period began. Change the filter above to compare a different span.
+        period began. Change the filter above to compare a different span.
       </p>
 
-      @for (block of [{ title: 'Capital & Liabilities', rows: compLiabilities }, { title: 'Assets', rows: compAssets }]; track block.title) {
+      @for (
+        block of [
+          { title: 'Capital & Liabilities', rows: compLiabilities },
+          { title: 'Assets', rows: compAssets }
+        ];
+        track block.title
+      ) {
         <div class="glr-tbl-wrap">
           <div class="glr-tbl-h">{{ block.title }}</div>
           <table class="glr-tbl">
@@ -353,7 +383,9 @@
               @for (r of block.rows; track r.code) {
                 <tr>
                   <td class="mono">{{ r.code }}</td>
-                  <td>{{ r.name }}<span class="muted"> · {{ r.group }}</span></td>
+                  <td>
+                    {{ r.name }}<span class="muted"> · {{ r.group }}</span>
+                  </td>
                   <td class="ta-r mono">{{ r.current | number: '1.2-2' }}</td>
                   <td class="ta-r mono">{{ r.previous | number: '1.2-2' }}</td>
                   <td class="ta-r mono" [class.var-up]="r.variance > 0" [class.var-down]="r.variance < 0">
@@ -379,8 +411,8 @@
   @if (activeReport === 'contingent-liabilities') {
     <div class="glr-section">
       <p class="glr-note">
-        Off-balance-sheet commitments outstanding as at <strong>{{ range.to }}</strong>. These are memoranda accounts
+        Off-balance-sheet commitments outstanding as at <strong>{{ range.to }}</strong
-        and are deliberately excluded from the Trial Balance and Balance Sheet totals.
+        >. These are memoranda accounts and are deliberately excluded from the Trial Balance and Balance Sheet totals.
       </p>
       <div class="glr-tbl-wrap">
         <table class="glr-tbl">
@@ -419,8 +451,8 @@
   @if (activeReport === 'gl-wise-dr-cr') {
     <div class="glr-section">
       <p class="glr-note">
-        Debit and credit turnover posted between <strong>{{ rangeLabel }}</strong> for {{ branchLabel }}. Every
+        Debit and credit turnover posted between <strong>{{ rangeLabel }}</strong> for {{ branchLabel }}. Every voucher
-        voucher is double-entry, so the debit and credit totals below must match.
+        is double-entry, so the debit and credit totals below must match.
       </p>
       <div class="glr-tbl-wrap">
         <table class="glr-tbl">
@@ -474,8 +506,8 @@
   @if (activeReport === 'misc-expense-ledger') {
     <div class="glr-section">
       <p class="glr-note">
-        Every miscellaneous-expense voucher posted between <strong>{{ rangeLabel }}</strong> for {{ branchLabel }}
+        Every miscellaneous-expense voucher posted between <strong>{{ rangeLabel }}</strong> for
-        &mdash; {{ miscRows.length | number }} entries.
+        {{ branchLabel }} &mdash; {{ miscRows.length | number }} entries.
       </p>
       <div class="glr-tbl-wrap glr-tbl-wrap--tall">
         <table class="glr-tbl">
@@ -518,6 +550,506 @@
     </div>
   }
 
+  <!-- ══════════════ GL AVERAGE BALANCE ══════════════ -->
+  @if (activeReport === 'gl-average-balance') {
+    <div class="glr-section">
+      <p class="glr-note">
+        Average of each account's closing balance across every day in
+        <strong>{{ rangeLabel }}</strong> for {{ branchLabel }}. Banks work from average balances rather than a closing
+        snapshot for interest, CRR/SLR and profitability, because a single day's figure can be dressed up.
+      </p>
+      <div class="glr-tbl-wrap glr-tbl-wrap--tall">
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>GL Code</th>
+              <th>Account</th>
+              <th>Group</th>
+              <th class="ta-r">Opening</th>
+              <th class="ta-r">Closing</th>
+              <th class="ta-r">Average Daily</th>
+              <th class="ta-r">Peak</th>
+              <th class="ta-r">Lowest</th>
+              <th class="ta-c">Active Days</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of averageRows; track r.code) {
+              <tr>
+                <td class="mono">{{ r.code }}</td>
+                <td>{{ r.name }}</td>
+                <td class="muted">{{ r.group }}</td>
+                <td class="ta-r mono">{{ r.opening | number: '1.2-2' }}</td>
+                <td class="ta-r mono">{{ r.closing | number: '1.2-2' }}</td>
+                <td class="ta-r mono">
+                  <strong>{{ r.average | number: '1.2-2' }}</strong>
+                </td>
+                <td class="ta-r mono">{{ r.peak | number: '1.2-2' }}</td>
+                <td class="ta-r mono">{{ r.lowest | number: '1.2-2' }}</td>
+                <td class="ta-c mono">{{ r.activeDays }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="9" class="glr-empty">No ledger activity for this period and branch.</td>
+              </tr>
+            }
+          </tbody>
+          <tfoot>
+            <tr class="total-row">
+              <td colspan="5">TOTAL ({{ averageRows.length }} accounts)</td>
+              <td class="ta-r mono">{{ avgTotalAverage | number: '1.2-2' }}</td>
+              <td colspan="3"></td>
+            </tr>
+          </tfoot>
+        </table>
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ GL MAPPING FOR REPORT ══════════════ -->
+  @if (activeReport === 'gl-mapping') {
+    <div class="glr-section">
+      <p class="glr-note">
+        Which General Ledger accounts feed each RBI return line. Mappings are created on the OSS 1, OSS 2 and OSS 3
+        screens using <strong>Add / Remove GLs</strong>; this is the consolidated view of them, with the value each
+        mapping currently produces from the ledger.
+      </p>
+
+      <div class="glr-tbl-wrap">
+        <div class="glr-tbl-h">Mapped return lines ({{ mappingRows.length }})</div>
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>Return</th>
+              <th>Return line</th>
+              <th>Mapped GL accounts</th>
+              <th class="ta-r">Ledger value (&#8377; thousands)</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of mappingRows; track r.returnCode + r.lineKey) {
+              <tr>
+                <td>{{ r.returnLabel }}</td>
+                <td class="mono">{{ r.lineKey }}</td>
+                <td>
+                  @for (c of r.codes; track c) {
+                    <span class="glr-gl-chip mono">{{ c }}</span>
+                  }
+                </td>
+                <td class="ta-r mono">{{ r.value | number: '1.2-2' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="4" class="glr-empty">
+                  No return lines mapped yet. Open OSS 1, 2 or 3 and use “Add / Remove GLs” to pin accounts to a line.
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+
+      <div class="glr-tbl-wrap glr-tbl-wrap--tall">
+        <div class="glr-tbl-h">Unmapped GL accounts ({{ unmappedAccounts.length }}) — not feeding any return line</div>
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>GL Code</th>
+              <th>Account</th>
+              <th>Group</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of unmappedAccounts; track a.code) {
+              <tr>
+                <td class="mono">{{ a.code }}</td>
+                <td>{{ a.name }}</td>
+                <td class="muted">{{ a.group }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="3" class="glr-empty">Every GL account feeds at least one return line.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ ACCOUNT WISE BALANCE LIST ══════════════ -->
+  @if (activeReport === 'account-wise-balance') {
+    <div class="glr-section">
+      <p class="glr-note">
+        Closing balance of every account as at <strong>{{ range.to }}</strong
+        >, broken out by branch — which branch is actually carrying each balance.
+      </p>
+      <div class="glr-tbl-wrap glr-tbl-wrap--tall">
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>GL Code</th>
+              <th>Account</th>
+              <th>Group</th>
+              @for (c of branchColumns; track c) {
+                <th class="ta-r">{{ branchName(c) }}</th>
+              }
+              <th class="ta-r">Total</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of accountWiseRows; track r.code) {
+              <tr>
+                <td class="mono">{{ r.code }}</td>
+                <td>{{ r.name }}</td>
+                <td class="muted">{{ r.group }}</td>
+                @for (c of branchColumns; track c) {
+                  <td class="ta-r mono">{{ r.byBranch[c] ? (r.byBranch[c] | number: '1.2-2') : '' }}</td>
+                }
+                <td class="ta-r mono">
+                  <strong>{{ r.total | number: '1.2-2' }}</strong>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td [attr.colspan]="branchColumns.length + 4" class="glr-empty">
+                  No balances for this period and branch.
+                </td>
+              </tr>
+            }
+          </tbody>
+          <tfoot>
+            <tr class="total-row">
+              <td colspan="3">TOTAL ({{ accountWiseRows.length }} accounts)</td>
+              @for (c of branchColumns; track c) {
+                <td class="ta-r mono">{{ branchColumnTotal(c) | number: '1.2-2' }}</td>
+              }
+              <td class="ta-r mono">{{ accountWiseGrandTotal | number: '1.2-2' }}</td>
+            </tr>
+          </tfoot>
+        </table>
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ DISTRIBUTION OF BALANCE ══════════════ -->
+  @if (activeReport === 'distribution-of-balance') {
+    <div class="glr-section">
+      <p class="glr-note">
+        Composition of the book as at <strong>{{ range.to }}</strong> for {{ branchLabel }} — how concentrated each side
+        of the balance sheet is by account group.
+      </p>
+
+      <div class="glr-two-col">
+        @for (
+          block of [
+            { title: 'Capital & Liabilities', rows: liabilityDistribution, total: liabilityDistTotal },
+            { title: 'Assets', rows: assetDistribution, total: assetDistTotal }
+          ];
+          track block.title
+        ) {
+          <div class="glr-tbl-wrap">
+            <div class="glr-tbl-h">{{ block.title }}</div>
+            <table class="glr-tbl">
+              <thead>
+                <tr>
+                  <th>Group</th>
+                  <th class="ta-c">A/cs</th>
+                  <th class="ta-r">Amount (&#8377;)</th>
+                  <th class="ta-r">Share</th>
+                  <th class="glr-bar-col">Distribution</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (r of block.rows; track r.group) {
+                  <tr>
+                    <td>{{ r.group }}</td>
+                    <td class="ta-c mono">{{ r.accounts }}</td>
+                    <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
+                    <td class="ta-r mono">
+                      <strong>{{ r.share | number: '1.2-2' }}%</strong>
+                    </td>
+                    <td>
+                      <div class="glr-bar">
+                        <div class="glr-bar-fill" [style.width.%]="r.share"></div>
+                      </div>
+                    </td>
+                  </tr>
+                } @empty {
+                  <tr>
+                    <td colspan="5" class="glr-empty">No balances on this side.</td>
+                  </tr>
+                }
+                <tr class="total-row">
+                  <td colspan="2">Total</td>
+                  <td class="ta-r mono">{{ block.total | number: '1.2-2' }}</td>
+                  <td class="ta-r mono">100.00%</td>
+                  <td></td>
+                </tr>
+              </tbody>
+            </table>
+          </div>
+        }
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ CLIENT WISE BALANCE ══════════════ -->
+  @if (activeReport === 'client-wise-balance') {
+    <div class="glr-section">
+      <div class="glr-kpis">
+        <div class="glr-kpi glr-kpi--teal">
+          <div class="glr-kpi-n">&#8377;{{ clientDeposits | number: '1.2-2' }}</div>
+          <div class="glr-kpi-l">Customer Deposits</div>
+        </div>
+        <div class="glr-kpi glr-kpi--amber">
+          <div class="glr-kpi-n">&#8377;{{ clientAdvances | number: '1.2-2' }}</div>
+          <div class="glr-kpi-l">Customer Advances</div>
+        </div>
+        <div class="glr-kpi glr-kpi--green">
+          <div class="glr-kpi-n">{{ clientRows.length | number }}</div>
+          <div class="glr-kpi-l">Relationships</div>
+          <div class="glr-kpi-sub">as at {{ range.to }} · {{ branchLabel }}</div>
+        </div>
+      </div>
+
+      <p class="glr-note">
+        Customer balances are derived from the General Ledger — each relationship holds a share of its branch's balance
+        in that head — so this report always reconciles to the GL rather than drifting as a second source.
+      </p>
+
+      <div class="glr-tbl-wrap glr-tbl-wrap--tall">
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>CIF</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Account No</th>
+              <th>Product</th>
+              <th class="ta-c">Side</th>
+              <th class="ta-r">Balance (&#8377;)</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of clientRows; track r.cif) {
+              <tr>
+                <td class="mono">{{ r.cif }}</td>
+                <td>{{ r.name }}</td>
+                <td>{{ branchName(r.branchCode) }}</td>
+                <td class="mono">{{ r.accountNo }}</td>
+                <td class="muted">{{ r.product }}</td>
+                <td class="ta-c">
+                  <span
+                    class="type-pill"
+                    [class.type-liability]="r.side === 'DEPOSIT'"
+                    [class.type-asset]="r.side === 'ADVANCE'"
+                  >
+                    {{ r.side }}
+                  </span>
+                </td>
+                <td class="ta-r mono">{{ r.balance | number: '1.2-2' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="7" class="glr-empty">No customer relationships for this period and branch.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ BANKER HEAD REPORT ══════════════ -->
+  @if (activeReport === 'banker-head') {
+    <div class="glr-section">
+      <p class="glr-note">
+        Head-wise abstract for <strong>{{ rangeLabel }}</strong> — the trial balance rolled up to principal heads, with
+        opening, turnover and closing for each. Debit and credit turnover must agree.
+      </p>
+      <div class="glr-tbl-wrap">
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>Principal Head</th>
+              <th class="ta-c">Accounts</th>
+              <th class="ta-r">Opening</th>
+              <th class="ta-r">Debit</th>
+              <th class="ta-r">Credit</th>
+              <th class="ta-r">Closing</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of bankerHeadRows; track r.head) {
+              <tr>
+                <td>
+                  <strong>{{ r.head }}</strong>
+                </td>
+                <td class="ta-c mono">{{ r.accounts }}</td>
+                <td class="ta-r mono">{{ r.opening | number: '1.2-2' }}</td>
+                <td class="ta-r mono">{{ r.debit ? (r.debit | number: '1.2-2') : '' }}</td>
+                <td class="ta-r mono">{{ r.credit ? (r.credit | number: '1.2-2') : '' }}</td>
+                <td class="ta-r mono">
+                  <strong>{{ r.closing | number: '1.2-2' }}</strong>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="6" class="glr-empty">No activity for this period and branch.</td>
+              </tr>
+            }
+            <tr class="total-row">
+              <td colspan="2">TOTAL ({{ bankerHeadRows.length }} heads)</td>
+              <td></td>
+              <td class="ta-r mono">{{ headDebitTotal | number: '1.2-2' }}</td>
+              <td class="ta-r mono">{{ headCreditTotal | number: '1.2-2' }}</td>
+              <td></td>
+            </tr>
+          </tbody>
+        </table>
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ SUNDRY REGISTER ══════════════ -->
+  @if (activeReport === 'sundry-register') {
+    <div class="glr-section">
+      <p class="glr-note">
+        Outstanding items in the sundry, suspense and bills-payable heads as at <strong>{{ range.to }}</strong
+        >, aged from their posting date. These heads are where unreconciled entries collect, so ageing is the point of
+        the register.
+      </p>
+
+      @if (sundryBuckets.length) {
+        <div class="glr-kpis">
+          @for (b of sundryBuckets; track b.bucket) {
+            <div
+              class="glr-kpi"
+              [class.glr-kpi--green]="b.bucket === 'Up to 30 days'"
+              [class.glr-kpi--amber]="b.bucket === '31 to 90 days'"
+              [class.glr-kpi--red]="b.bucket === 'Over 180 days'"
+            >
+              <div class="glr-kpi-n">&#8377;{{ b.amount | number: '1.2-2' }}</div>
+              <div class="glr-kpi-l">{{ b.bucket }}</div>
+              <div class="glr-kpi-sub">{{ b.count }} item(s)</div>
+            </div>
+          }
+        </div>
+      }
+
+      <div class="glr-tbl-wrap glr-tbl-wrap--tall">
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>Date</th>
+              <th>Voucher No</th>
+              <th>Branch</th>
+              <th>GL Code</th>
+              <th>Account</th>
+              <th>Narration</th>
+              <th class="ta-r">Amount (&#8377;)</th>
+              <th class="ta-c">Age</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of sundryRows; track r.voucherNo + r.code + r.date) {
+              <tr>
+                <td class="mono">{{ r.date }}</td>
+                <td class="mono">{{ r.voucherNo }}</td>
+                <td>{{ branchName(r.branchCode) }}</td>
+                <td class="mono">{{ r.code }}</td>
+                <td>{{ r.name }}</td>
+                <td class="muted">{{ r.narration }}</td>
+                <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
+                <td class="ta-c">
+                  <span
+                    class="type-pill"
+                    [class.type-income]="r.bucket === 'Up to 30 days'"
+                    [class.type-expense]="r.bucket === '31 to 90 days'"
+                    [class.type-contingent]="r.bucket === 'Over 180 days'"
+                  >
+                    {{ r.ageDays }}d
+                  </span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="8" class="glr-empty">No sundry or suspense items outstanding for this selection.</td>
+              </tr>
+            }
+          </tbody>
+          <tfoot>
+            <tr class="total-row">
+              <td colspan="6">Total outstanding ({{ sundryRows.length }} items)</td>
+              <td class="ta-r mono">{{ sundryTotal | number: '1.2-2' }}</td>
+              <td></td>
+            </tr>
+          </tfoot>
+        </table>
+      </div>
+    </div>
+  }
+
+  <!-- ══════════════ VOUCHER REGISTER ══════════════ -->
+  @if (activeReport === 'voucher-register') {
+    <div class="glr-section">
+      <div class="glr-balance" [class.glr-balance--bad]="unbalancedVouchers > 0">
+        <fa-icon [icon]="unbalancedVouchers ? 'exclamation-triangle' : 'check-circle'"></fa-icon>
+        <span>
+          {{ voucherRows.length | number }} voucher(s) raised in {{ rangeLabel }} for {{ branchLabel }} —
+          {{
+            unbalancedVouchers
+              ? unbalancedVouchers + ' voucher(s) do NOT balance and must be investigated'
+              : 'every voucher is double-entry and balances'
+          }}
+        </span>
+      </div>
+
+      <div class="glr-tbl-wrap glr-tbl-wrap--tall">
+        <table class="glr-tbl">
+          <thead>
+            <tr>
+              <th>Date</th>
+              <th>Voucher No</th>
+              <th>Branch</th>
+              <th>Narration</th>
+              <th>Debit account(s)</th>
+              <th>Credit account(s)</th>
+              <th class="ta-r">Amount (&#8377;)</th>
+              <th class="ta-c">Legs</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of voucherRows; track r.voucherNo) {
+              <tr [class.glr-unbalanced]="!r.balanced">
+                <td class="mono">{{ r.date }}</td>
+                <td class="mono">{{ r.voucherNo }}</td>
+                <td>{{ branchName(r.branchCode) }}</td>
+                <td class="muted">{{ r.narration }}</td>
+                <td class="mono">{{ r.debitAccounts }}</td>
+                <td class="mono">{{ r.creditAccounts }}</td>
+                <td class="ta-r mono">{{ r.amount | number: '1.2-2' }}</td>
+                <td class="ta-c mono">{{ r.legs }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="8" class="glr-empty">No vouchers raised in this period for this branch.</td>
+              </tr>
+            }
+          </tbody>
+          <tfoot>
+            <tr class="total-row">
+              <td colspan="6">Total ({{ voucherRows.length }} vouchers)</td>
+              <td class="ta-r mono">{{ voucherTotal | number: '1.2-2' }}</td>
+              <td></td>
+            </tr>
+          </tfoot>
+        </table>
+      </div>
+    </div>
+  }
+
   <!-- TOAST -->
   <div class="glr-toast" [class.show]="toastVisible">{{ toastMsg }}</div>
 </div>

src/app/gl-reports/gl-reports.component.scss

@@ -160,6 +160,21 @@
   }
 }
 
+/* Read-only branch shown to a branch-level login in place of the selector. */
+.glr-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 7px;
+  padding: 8px 14px;
+  min-width: 190px;
+  border: 1px solid var(--g-g200);
+  border-radius: 8px;
+  background: var(--g-g100);
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--g-g700);
+}
+
 /* Day / Month / Range segmented control */
 .glr-seg {
   display: inline-flex;
@@ -434,6 +449,45 @@
   font-style: italic;
 }
 
+/* A voucher whose debits and credits disagree. */
+.glr-unbalanced td {
+  background: var(--g-red-l) !important;
+  color: #7f1d1d;
+  font-weight: 600;
+}
+
+/* GL code chips on the mapping report */
+.glr-gl-chip {
+  display: inline-block;
+  padding: 1px 8px;
+  margin: 1px 3px 1px 0;
+  border-radius: 999px;
+  background: #e0f2fe;
+  color: #075985;
+  font-size: 11px;
+  font-weight: 600;
+}
+
+/* Share bars on the distribution report */
+.glr-bar-col {
+  width: 150px;
+}
+
+.glr-bar {
+  height: 9px;
+  border-radius: 999px;
+  background: var(--g-g100);
+  overflow: hidden;
+  min-width: 110px;
+}
+
+.glr-bar-fill {
+  height: 100%;
+  border-radius: 999px;
+  background: linear-gradient(90deg, var(--g-navy), var(--g-blue));
+  transition: width 0.25s;
+}
+
 /* Account-type pills on the GL Wise report */
 .type-pill {
   display: inline-block;

src/app/gl-reports/gl-reports.component.ts

@@ -6,24 +6,42 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, OnInit, inject } from '@angular/core';
+import { Component, DestroyRef, OnInit, inject } from '@angular/core';
+import { takeUntilDestroyed } from '@angular/core/rxjs-interop';
 import { ActivatedRoute, Router } from '@angular/router';
+import { BranchScopeService } from 'app/core/branch-scope.service';
 import { FormsModule } from '@angular/forms';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import * as ExcelJS from 'exceljs';
-import { GL_BRANCHES, GL_PERIOD, glBranchName } from './gl-reports-data';
+import { GL_ACCOUNTS, GL_BRANCHES, GL_PERIOD, glBranchName } from './gl-reports-data';
 import {
+  AccountBranchRow,
+  AverageBalanceRow,
   BalanceSheetRow,
   ComparativeRow,
+  DistributionRow,
   GlDateRange,
   GlReportSet,
   MiscExpenseRow,
   PnlRow,
+  BankerHeadRow,
+  ClientBalanceRow,
+  SundryItemRow,
+  VoucherRow,
+  accountWiseByBranch,
+  averageBalances,
+  balanceDistribution,
+  bankerHeadSummary,
+  clientWiseBalances,
+  sundryRegister,
+  voucherRegister,
   buildReports,
   clampToLedger,
+  glValueForCodes,
   sum
 } from './gl-reports.compute';
+import { GlMappingEntry, allMappings, glLabel, returnName } from 'app/rbi-circulars/gl-mapping';
 
 export type GlReportCode =
   | 'trial-balance'
@@ -32,7 +50,15 @@ export type GlReportCode =
   | 'comparative-balance-sheet'
   | 'contingent-liabilities'
   | 'gl-wise-dr-cr'
-  | 'misc-expense-ledger';
+  | 'misc-expense-ledger'
+  | 'gl-average-balance'
+  | 'gl-mapping'
+  | 'account-wise-balance'
+  | 'distribution-of-balance'
+  | 'client-wise-balance'
+  | 'banker-head'
+  | 'sundry-register'
+  | 'voucher-register';
 
 type PeriodMode = 'day' | 'month' | 'range';
 
@@ -49,6 +75,19 @@ type PeriodMode = 'day' | 'month' | 'range';
 export class GlReportsComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
+  private scope = inject(BranchScopeService);
+  private destroyRef = inject(DestroyRef);
+
+  /** Head Office may pick any branch; a branch login is locked to its own book. */
+  get canSelectBranch(): boolean {
+    return this.scope.canSelectBranch;
+  }
+  get scopeIsUnresolved(): boolean {
+    return this.scope.isUnresolved;
+  }
+  get scopeName(): string {
+    return this.scope.scopeLabel(this.branchCode);
+  }
 
   readonly reports: { code: GlReportCode; label: string; icon: string }[] = [
     { code: 'trial-balance', label: 'Trial Balance', icon: 'balance-scale' },
@@ -57,7 +96,15 @@ export class GlReportsComponent implements OnInit {
     { code: 'comparative-balance-sheet', label: 'Comparative Balance Sheet', icon: 'balance-scale' },
     { code: 'contingent-liabilities', label: 'Contingent Liabilities', icon: 'exclamation-circle' },
     { code: 'gl-wise-dr-cr', label: 'GL Wise DR / CR', icon: 'project-diagram' },
-    { code: 'misc-expense-ledger', label: 'Misc Expense Ledger', icon: 'receipt' }
+    { code: 'misc-expense-ledger', label: 'Misc Expense Ledger', icon: 'receipt' },
+    { code: 'gl-average-balance', label: 'GL Average Balance', icon: 'calculator' },
+    { code: 'gl-mapping', label: 'GL Mapping for Report', icon: 'project-diagram' },
+    { code: 'account-wise-balance', label: 'Account wise Balance List', icon: 'list' },
+    { code: 'distribution-of-balance', label: 'Distribution of Balance', icon: 'chart-pie' },
+    { code: 'client-wise-balance', label: 'Client wise Balance', icon: 'users' },
+    { code: 'banker-head', label: 'Banker Head Report', icon: 'university' },
+    { code: 'sundry-register', label: 'Sundry Register', icon: 'clipboard-list' },
+    { code: 'voucher-register', label: 'Voucher Register', icon: 'receipt' }
   ];
 
   activeReport: GlReportCode = 'trial-balance';
@@ -80,16 +127,29 @@ export class GlReportsComponent implements OnInit {
   private toastTimer: any;
 
   ngOnInit(): void {
-    const param = this.route.snapshot.paramMap.get('report') as GlReportCode | null;
+    // Subscribe rather than read the snapshot: navigating between GL menu items only
-    if (param && this.reports.some((r) => r.code === param)) {
+    // changes the route parameter, so Angular reuses this component and ngOnInit would
-      this.activeReport = param;
+    // never fire again — leaving the previously selected report on screen.
-    }
+    this.route.paramMap.pipe(takeUntilDestroyed(this.destroyRef)).subscribe((params) => {
+      const param = params.get('report') as GlReportCode | null;
+      if (param && this.reports.some((r) => r.code === param)) {
+        this.activeReport = param;
+      }
+    });
+    // A branch login opens on its own book and cannot move off it.
+    this.branchCode = this.scope.defaultBranchCode;
   }
 
   showReport(code: GlReportCode): void {
     this.activeReport = code;
     // Keep the URL deep-linkable so the GL menu items land on the right report.
-    this.router.navigate(['/gl/reports', code], { replaceUrl: true });
+    this.router.navigate(
+      [
+        '/gl/reports',
+        code
+      ],
+      { replaceUrl: true }
+    );
   }
 
   get reportLabel(): string {
@@ -120,21 +180,33 @@ export class GlReportsComponent implements OnInit {
   }
 
   get branchLabel(): string {
+    if (!this.canSelectBranch) {
+      return this.scopeName;
+    }
     return this.branchCode ? glBranchName(this.branchCode) : 'All Branches (Consolidated)';
   }
 
+  /**
+   * The branch actually used for every query. Applied at the data boundary rather than
+   * only in the UI so a branch login cannot widen its scope by tampering with state.
+   */
+  private get effectiveBranch(): string {
+    return this.scope.enforce(this.branchCode);
+  }
+
   resetFilters(): void {
     this.periodMode = 'month';
     this.filterMonth = '2026-07';
     this.filterDay = '2026-07-31';
     this.filterFrom = GL_PERIOD.fyStart;
     this.filterTo = GL_PERIOD.fyEnd;
-    this.branchCode = '';
+    // Reset returns a branch login to its own branch, never to "all".
+    this.branchCode = this.scope.defaultBranchCode;
   }
 
   /** All seven reports for the current filter — memoised inside buildReports. */
   get data(): GlReportSet {
-    return buildReports(this.range, this.branchCode);
+    return buildReports(this.range, this.effectiveBranch);
   }
 
   // ── Trial Balance ──────────────────────────────────────────────────────────
@@ -234,6 +306,139 @@ export class GlReportsComponent implements OnInit {
     return glBranchName(code);
   }
 
+  // ── GL Average Balance ─────────────────────────────────────────────────────
+  get averageRows(): AverageBalanceRow[] {
+    return averageBalances(this.range, this.effectiveBranch);
+  }
+  get avgTotalAverage(): number {
+    return sum(this.averageRows, (r) => r.average);
+  }
+
+  // ── GL Mapping for Report ──────────────────────────────────────────────────
+  /** Every RBI return line currently pinned to GL accounts, with its ledger value. */
+  get mappingRows(): {
+    returnCode: string;
+    returnLabel: string;
+    lineKey: string;
+    codes: string[];
+    codeLabels: string;
+    value: number;
+  }[] {
+    return allMappings()
+      .map((m: GlMappingEntry) => ({
+        returnCode: m.returnCode,
+        returnLabel: returnName(m.returnCode),
+        lineKey: m.lineKey,
+        codes: m.codes,
+        codeLabels: m.codes.map((c) => glLabel(c)).join(', '),
+        // Returns are in thousands; the ledger is in rupees.
+        value: glValueForCodes(m.codes, this.range, this.effectiveBranch) / 1000
+      }))
+      .sort((a, b) => a.returnCode.localeCompare(b.returnCode) || a.lineKey.localeCompare(b.lineKey));
+  }
+
+  /** GL accounts not pinned to any return line — the gap a mapping review looks for. */
+  get unmappedAccounts(): { code: string; name: string; group: string }[] {
+    const used = new Set(allMappings().flatMap((m) => m.codes));
+    return this.chartOfAccounts
+      .filter((a) => !used.has(a.code))
+      .map((a) => ({ code: a.code, name: a.name, group: a.group }));
+  }
+
+  readonly chartOfAccounts = GL_ACCOUNTS;
+
+  // ── Account wise Balance List ──────────────────────────────────────────────
+  /** Branch columns shown — every branch for Head Office, just their own otherwise. */
+  get branchColumns(): string[] {
+    return this.canSelectBranch ? GL_BRANCHES.map((b) => b.code) : [this.effectiveBranch];
+  }
+  get accountWiseRows(): AccountBranchRow[] {
+    return accountWiseByBranch(this.range, this.branchColumns);
+  }
+  branchColumnTotal(code: string): number {
+    return sum(this.accountWiseRows, (r) => r.byBranch[code] ?? 0);
+  }
+  get accountWiseGrandTotal(): number {
+    return sum(this.accountWiseRows, (r) => r.total);
+  }
+
+  // ── Client wise Balance ────────────────────────────────────────────────────
+  get clientRows(): ClientBalanceRow[] {
+    return clientWiseBalances(this.range, this.effectiveBranch);
+  }
+  get clientDeposits(): number {
+    return sum(
+      this.clientRows.filter((r) => r.side === 'DEPOSIT'),
+      (r) => r.balance
+    );
+  }
+  get clientAdvances(): number {
+    return sum(
+      this.clientRows.filter((r) => r.side === 'ADVANCE'),
+      (r) => r.balance
+    );
+  }
+
+  // ── Banker Head Report ─────────────────────────────────────────────────────
+  get bankerHeadRows(): BankerHeadRow[] {
+    return bankerHeadSummary(this.range, this.effectiveBranch);
+  }
+  get headDebitTotal(): number {
+    return sum(this.bankerHeadRows, (r) => r.debit);
+  }
+  get headCreditTotal(): number {
+    return sum(this.bankerHeadRows, (r) => r.credit);
+  }
+
+  // ── Sundry Register ────────────────────────────────────────────────────────
+  get sundryRows(): SundryItemRow[] {
+    return sundryRegister(this.range, this.effectiveBranch);
+  }
+  get sundryTotal(): number {
+    return sum(this.sundryRows, (r) => r.amount);
+  }
+  /** Ageing summary shown above the register. */
+  get sundryBuckets(): { bucket: string; count: number; amount: number }[] {
+    const order = [
+      'Up to 30 days',
+      '31 to 90 days',
+      '91 to 180 days',
+      'Over 180 days'
+    ];
+    return order
+      .map((bucket) => {
+        const rows = this.sundryRows.filter((r) => r.bucket === bucket);
+        return { bucket, count: rows.length, amount: sum(rows, (r) => r.amount) };
+      })
+      .filter((b) => b.count > 0);
+  }
+
+  // ── Voucher Register ───────────────────────────────────────────────────────
+  get voucherRows(): VoucherRow[] {
+    return voucherRegister(this.range, this.effectiveBranch);
+  }
+  get voucherTotal(): number {
+    return sum(this.voucherRows, (r) => r.amount);
+  }
+  /** Vouchers whose debits and credits do not agree — should always be zero. */
+  get unbalancedVouchers(): number {
+    return this.voucherRows.filter((r) => !r.balanced).length;
+  }
+
+  // ── Distribution of Balance ────────────────────────────────────────────────
+  get assetDistribution(): DistributionRow[] {
+    return balanceDistribution(this.range, this.effectiveBranch, 'ASSET');
+  }
+  get liabilityDistribution(): DistributionRow[] {
+    return balanceDistribution(this.range, this.effectiveBranch, 'LIABILITY');
+  }
+  get assetDistTotal(): number {
+    return sum(this.assetDistribution, (r) => r.amount);
+  }
+  get liabilityDistTotal(): number {
+    return sum(this.liabilityDistribution, (r) => r.amount);
+  }
+
   // ── Excel export ───────────────────────────────────────────────────────────
 
   /** Exports whichever report is on screen, carrying the active filter into the header. */
@@ -314,7 +519,17 @@ export class GlReportsComponent implements OnInit {
             'Closing Dr',
             'Closing Cr'
           ],
-          widths: [12, 42, 26, 16, 16, 16, 16, 16, 16],
+          widths: [
+            12,
+            42,
+            26,
+            16,
+            16,
+            16,
+            16,
+            16,
+            16
+          ],
           rows: [
             ...this.data.trialBalance.map((r) => [
               r.code,
@@ -349,13 +564,49 @@ export class GlReportsComponent implements OnInit {
             'Group',
             'Amount'
           ],
-          widths: [14, 12, 42, 26, 18],
+          widths: [
+            14,
+            12,
+            42,
+            26,
+            18
+          ],
           rows: [
-            ...this.pnlExpense.map((r) => ['Expenditure', r.code, r.name, r.group, r.amount]),
+            ...this.pnlExpense.map((r) => [
-            ['Total Expenditure', '', '', '', this.totalExpense],
+              'Expenditure',
-            ...this.pnlIncome.map((r) => ['Income', r.code, r.name, r.group, r.amount]),
+              r.code,
-            ['Total Income', '', '', '', this.totalIncome],
+              r.name,
-            ['Net Profit', '', '', '', this.netProfit]
+              r.group,
+              r.amount
+            ]),
+            [
+              'Total Expenditure',
+              '',
+              '',
+              '',
+              this.totalExpense
+            ],
+            ...this.pnlIncome.map((r) => [
+              'Income',
+              r.code,
+              r.name,
+              r.group,
+              r.amount
+            ]),
+            [
+              'Total Income',
+              '',
+              '',
+              '',
+              this.totalIncome
+            ],
+            [
+              'Net Profit',
+              '',
+              '',
+              '',
+              this.netProfit
+            ]
           ]
         };
       case 'balance-sheet':
@@ -367,13 +618,49 @@ export class GlReportsComponent implements OnInit {
             'Group',
             'Amount'
           ],
-          widths: [14, 12, 42, 26, 18],
+          widths: [
+            14,
+            12,
+            42,
+            26,
+            18
+          ],
           rows: [
-            ...this.bsLiabilities.map((r) => ['Liability', r.code, r.name, r.group, r.amount]),
+            ...this.bsLiabilities.map((r) => [
-            ['Liability', '', 'Surplus for the period', 'Profit & Loss', this.bsSurplus],
+              'Liability',
-            ['Total Liabilities', '', '', '', this.bsTotalLiabilities],
+              r.code,
-            ...this.bsAssets.map((r) => ['Asset', r.code, r.name, r.group, r.amount]),
+              r.name,
-            ['Total Assets', '', '', '', this.bsTotalAssets]
+              r.group,
+              r.amount
+            ]),
+            [
+              'Liability',
+              '',
+              'Surplus for the period',
+              'Profit & Loss',
+              this.bsSurplus
+            ],
+            [
+              'Total Liabilities',
+              '',
+              '',
+              '',
+              this.bsTotalLiabilities
+            ],
+            ...this.bsAssets.map((r) => [
+              'Asset',
+              r.code,
+              r.name,
+              r.group,
+              r.amount
+            ]),
+            [
+              'Total Assets',
+              '',
+              '',
+              '',
+              this.bsTotalAssets
+            ]
           ]
         };
       case 'comparative-balance-sheet':
@@ -387,7 +674,15 @@ export class GlReportsComponent implements OnInit {
             'Variance',
             'Variance %'
           ],
-          widths: [12, 12, 42, 18, 18, 18, 14],
+          widths: [
+            12,
+            12,
+            42,
+            18,
+            18,
+            18,
+            14
+          ],
           rows: this.data.comparative.map((r) => [
             r.side,
             r.code,
@@ -406,10 +701,25 @@ export class GlReportsComponent implements OnInit {
             'Group',
             'Amount'
           ],
-          widths: [12, 48, 26, 18],
+          widths: [
+            12,
+            48,
+            26,
+            18
+          ],
           rows: [
-            ...this.data.contingent.map((r) => [r.code, r.name, r.group, r.amount]),
+            ...this.data.contingent.map((r) => [
-            ['TOTAL', '', '', this.contingentTotal]
+              r.code,
+              r.name,
+              r.group,
+              r.amount
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              this.contingentTotal
+            ]
           ]
         };
       case 'gl-wise-dr-cr':
@@ -424,10 +734,394 @@ export class GlReportsComponent implements OnInit {
             'Net (Dr-Cr)',
             'Vouchers'
           ],
-          widths: [12, 42, 14, 26, 18, 18, 18, 12],
+          widths: [
+            12,
+            42,
+            14,
+            26,
+            18,
+            18,
+            18,
+            12
+          ],
           rows: [
-            ...this.data.glWise.map((r) => [r.code, r.name, r.type, r.group, r.debit, r.credit, r.net, r.vouchers]),
+            ...this.data.glWise.map((r) => [
-            ['TOTAL', '', '', '', this.glWiseDebit, this.glWiseCredit, this.glWiseDebit - this.glWiseCredit, null]
+              r.code,
+              r.name,
+              r.type,
+              r.group,
+              r.debit,
+              r.credit,
+              r.net,
+              r.vouchers
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              this.glWiseDebit,
+              this.glWiseCredit,
+              this.glWiseDebit - this.glWiseCredit,
+              null
+            ]
+          ]
+        };
+      case 'gl-average-balance':
+        return {
+          headers: [
+            'GL Code',
+            'Account',
+            'Group',
+            'Opening',
+            'Closing',
+            'Average Daily Balance',
+            'Peak',
+            'Lowest',
+            'Active Days'
+          ],
+          widths: [
+            12,
+            42,
+            26,
+            18,
+            18,
+            22,
+            18,
+            18,
+            12
+          ],
+          rows: [
+            ...this.averageRows.map((r) => [
+              r.code,
+              r.name,
+              r.group,
+              r.opening,
+              r.closing,
+              r.average,
+              r.peak,
+              r.lowest,
+              r.activeDays
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              null,
+              null,
+              this.avgTotalAverage,
+              null,
+              null,
+              null
+            ]
+          ]
+        };
+      case 'gl-mapping':
+        return {
+          headers: [
+            'Return',
+            'Return Line',
+            'Mapped GL Accounts',
+            'Ledger Value (Rs Thousands)'
+          ],
+          widths: [
+            42,
+            46,
+            60,
+            24
+          ],
+          rows: [
+            ...this.mappingRows.map((r) => [
+              r.returnLabel,
+              r.lineKey,
+              r.codeLabels,
+              r.value
+            ]),
+            ...(this.mappingRows.length ? [] : [[
+                    '— no return lines mapped —',
+                    '',
+                    '',
+                    null
+                  ]]),
+            [
+              '',
+              '',
+              '',
+              null
+            ],
+            [
+              'UNMAPPED GL ACCOUNTS',
+              '',
+              '',
+              null
+            ],
+            ...this.unmappedAccounts.map((a) => [
+              '',
+              a.code + ' — ' + a.name,
+              a.group,
+              null
+            ])
+          ]
+        };
+      case 'account-wise-balance':
+        return {
+          headers: [
+            'GL Code',
+            'Account',
+            'Group',
+            ...this.branchColumns.map((c) => this.branchName(c)),
+            'Total'
+          ],
+          widths: [
+            12,
+            40,
+            24,
+            ...this.branchColumns.map(() => 18),
+            20
+          ],
+          rows: [
+            ...this.accountWiseRows.map((r) => [
+              r.code,
+              r.name,
+              r.group,
+              ...this.branchColumns.map((c) => r.byBranch[c] ?? 0),
+              r.total
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              ...this.branchColumns.map((c) => this.branchColumnTotal(c)),
+              this.accountWiseGrandTotal
+            ]
+          ]
+        };
+      case 'distribution-of-balance':
+        return {
+          headers: [
+            'Side',
+            'Group',
+            'Accounts',
+            'Amount',
+            'Share %'
+          ],
+          widths: [
+            16,
+            40,
+            14,
+            22,
+            14
+          ],
+          rows: [
+            ...this.liabilityDistribution.map((r) => [
+              'Liability',
+              r.group,
+              r.accounts,
+              r.amount,
+              Number(r.share.toFixed(2))
+            ]),
+            [
+              'Total Liabilities',
+              '',
+              null,
+              this.liabilityDistTotal,
+              100
+            ],
+            ...this.assetDistribution.map((r) => [
+              'Asset',
+              r.group,
+              r.accounts,
+              r.amount,
+              Number(r.share.toFixed(2))
+            ]),
+            [
+              'Total Assets',
+              '',
+              null,
+              this.assetDistTotal,
+              100
+            ]
+          ]
+        };
+      case 'client-wise-balance':
+        return {
+          headers: [
+            'CIF',
+            'Customer',
+            'Branch',
+            'Account No',
+            'Product',
+            'Side',
+            'Balance'
+          ],
+          widths: [
+            14,
+            34,
+            18,
+            24,
+            34,
+            12,
+            20
+          ],
+          rows: [
+            ...this.clientRows.map((r) => [
+              r.cif,
+              r.name,
+              this.branchName(r.branchCode),
+              r.accountNo,
+              r.product,
+              r.side,
+              r.balance
+            ]),
+            [
+              'TOTAL DEPOSITS',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.clientDeposits
+            ],
+            [
+              'TOTAL ADVANCES',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.clientAdvances
+            ]
+          ]
+        };
+      case 'banker-head':
+        return {
+          headers: [
+            'Principal Head',
+            'Accounts',
+            'Opening',
+            'Debit',
+            'Credit',
+            'Closing'
+          ],
+          widths: [
+            34,
+            12,
+            20,
+            20,
+            20,
+            20
+          ],
+          rows: [
+            ...this.bankerHeadRows.map((r) => [
+              r.head,
+              r.accounts,
+              r.opening,
+              r.debit,
+              r.credit,
+              r.closing
+            ]),
+            [
+              'TOTAL',
+              null,
+              null,
+              this.headDebitTotal,
+              this.headCreditTotal,
+              null
+            ]
+          ]
+        };
+      case 'sundry-register':
+        return {
+          headers: [
+            'Date',
+            'Voucher No',
+            'Branch',
+            'GL Code',
+            'Account',
+            'Narration',
+            'Amount',
+            'Age (days)',
+            'Ageing Bucket'
+          ],
+          widths: [
+            14,
+            20,
+            18,
+            12,
+            32,
+            42,
+            18,
+            12,
+            18
+          ],
+          rows: [
+            ...this.sundryRows.map((r) => [
+              r.date,
+              r.voucherNo,
+              this.branchName(r.branchCode),
+              r.code,
+              r.name,
+              r.narration,
+              r.amount,
+              r.ageDays,
+              r.bucket
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.sundryTotal,
+              null,
+              ''
+            ]
+          ]
+        };
+      case 'voucher-register':
+        return {
+          headers: [
+            'Date',
+            'Voucher No',
+            'Branch',
+            'Narration',
+            'Debit Account(s)',
+            'Credit Account(s)',
+            'Amount',
+            'Legs'
+          ],
+          widths: [
+            14,
+            20,
+            18,
+            42,
+            38,
+            38,
+            20,
+            10
+          ],
+          rows: [
+            ...this.voucherRows.map((r) => [
+              r.date,
+              r.voucherNo,
+              this.branchName(r.branchCode),
+              r.narration,
+              r.debitAccounts,
+              r.creditAccounts,
+              r.amount,
+              r.legs
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.voucherTotal,
+              null
+            ]
           ]
         };
       case 'misc-expense-ledger':
@@ -442,7 +1136,15 @@ export class GlReportsComponent implements OnInit {
             'Narration',
             'Amount'
           ],
-          widths: [14, 20, 18, 12, 36, 46, 18],
+          widths: [
+            14,
+            20,
+            18,
+            12,
+            36,
+            46,
+            18
+          ],
           rows: [
             ...this.miscRows.map((r) => [
               r.date,
@@ -453,7 +1155,15 @@ export class GlReportsComponent implements OnInit {
               r.narration,
               r.amount
             ]),
-            ['TOTAL', '', '', '', '', '', this.miscTotal]
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.miscTotal
+            ]
           ]
         };
     }

src/app/gl-reports/gl-reports.compute.ts

@@ -15,14 +15,7 @@
  * postings and Angular re-evaluates template getters on every change detection.
  */
 
-import {
+import { GL_ACCOUNTS, GL_PERIOD, GlAccount, GlPosting, glAccount, glCustomers, glPostings } from './gl-reports-data';
-  GL_ACCOUNTS,
-  GL_PERIOD,
-  GlAccount,
-  GlPosting,
-  glAccount,
-  glPostings
-} from './gl-reports-data';
 
 export interface GlDateRange {
   from: string;
@@ -96,8 +89,22 @@ function matchesBranch(p: GlPosting, branchCode: string): boolean {
   return !branchCode || p.branchCode === branchCode;
 }
 
+/**
+ * Both scans below walk the whole ~21k-posting ledger, so their results are cached
+ * per (date, branch). Angular re-evaluates template getters on every change-detection
+ * pass; without this a screen with a few hundred mapped lines would spend seconds per
+ * click rescanning the ledger and appear frozen.
+ */
+const balanceCache = new Map<string, Map<string, number>>();
+const turnoverCache = new Map<string, Map<string, { debit: number; credit: number; vouchers: Set<string> }>>();
+
 /** Signed balance on the account's natural side, for postings up to and including `to`. */
 function cumulativeBalances(to: string, branchCode: string): Map<string, number> {
+  const key = `${to}|${branchCode}`;
+  const hit = balanceCache.get(key);
+  if (hit) {
+    return hit;
+  }
   const out = new Map<string, number>();
   for (const p of glPostings()) {
     if (p.date > to || !matchesBranch(p, branchCode)) {
@@ -110,11 +117,20 @@ function cumulativeBalances(to: string, branchCode: string): Map<string, number>
     const delta = isDebitSide(account) ? p.debit - p.credit : p.credit - p.debit;
     out.set(p.accountCode, (out.get(p.accountCode) ?? 0) + delta);
   }
+  balanceCache.set(key, out);
   return out;
 }
 
 /** Debit and credit turnover strictly inside the range. */
-function periodTurnover(range: GlDateRange, branchCode: string): Map<string, { debit: number; credit: number; vouchers: Set<string> }> {
+function periodTurnover(
+  range: GlDateRange,
+  branchCode: string
+): Map<string, { debit: number; credit: number; vouchers: Set<string> }> {
+  const key = `${range.from}|${range.to}|${branchCode}`;
+  const hit = turnoverCache.get(key);
+  if (hit) {
+    return hit;
+  }
   const out = new Map<string, { debit: number; credit: number; vouchers: Set<string> }>();
   for (const p of glPostings()) {
     if (p.date < range.from || p.date > range.to || !matchesBranch(p, branchCode)) {
@@ -129,6 +145,7 @@ function periodTurnover(range: GlDateRange, branchCode: string): Map<string, { d
     entry.credit += p.credit;
     entry.vouchers.add(p.voucherNo);
   }
+  turnoverCache.set(key, out);
   return out;
 }
 
@@ -190,8 +207,7 @@ export function profitAndLoss(range: GlDateRange, branchCode: string): { income:
     if (!move) {
       continue;
     }
-    const amount =
+    const amount = account.type === 'INCOME' ? move.credit - move.debit : move.debit - move.credit;
-      account.type === 'INCOME' ? move.credit - move.debit : move.debit - move.credit;
     if (!amount) {
       continue;
     }
@@ -205,7 +221,10 @@ export function profitAndLoss(range: GlDateRange, branchCode: string): { income:
  * Balance sheet as at the period end. The current-period surplus is folded in as
  * a liability line so the two sides tally the way the printed statement does.
  */
-export function balanceSheet(range: GlDateRange, branchCode: string): {
+export function balanceSheet(
+  range: GlDateRange,
+  branchCode: string
+): {
   assets: BalanceSheetRow[];
   liabilities: BalanceSheetRow[];
   surplus: number;
@@ -315,7 +334,417 @@ export function miscExpenseLedger(range: GlDateRange, branchCode: string): MiscE
       amount: p.debit
     });
   }
-  return rows.sort((a, b) => (a.date === b.date ? a.voucherNo.localeCompare(b.voucherNo) : a.date.localeCompare(b.date)));
+  return rows.sort((a, b) =>
+    a.date === b.date ? a.voucherNo.localeCompare(b.voucherNo) : a.date.localeCompare(b.date)
+  );
+}
+
+export interface AverageBalanceRow {
+  code: string;
+  name: string;
+  group: string;
+  type: string;
+  opening: number;
+  closing: number;
+  average: number;
+  peak: number;
+  lowest: number;
+  /** Days on which the account moved. */
+  activeDays: number;
+}
+
+export interface AccountBranchRow {
+  code: string;
+  name: string;
+  group: string;
+  /** Closing balance per branch code, plus a `total`. */
+  byBranch: Record<string, number>;
+  total: number;
+}
+
+export interface DistributionRow {
+  group: string;
+  amount: number;
+  share: number;
+  accounts: number;
+}
+
+/** Calendar days in the range, inclusive. */
+function daysInRange(range: GlDateRange): string[] {
+  const out: string[] = [];
+  const cur = new Date(`${range.from}T00:00:00Z`);
+  const end = new Date(`${range.to}T00:00:00Z`);
+  while (cur <= end) {
+    out.push(cur.toISOString().slice(0, 10));
+    cur.setUTCDate(cur.getUTCDate() + 1);
+  }
+  return out;
+}
+
+/**
+ * Average daily balance per account across the period, plus the peak and lowest
+ * balance touched. Banks use average balances rather than closing snapshots for
+ * interest, CRR/SLR and profitability work, because a closing figure can be
+ * window-dressed on the last day.
+ *
+ * Computed by carrying a running balance forward day by day rather than
+ * recomputing a cumulative balance per day, which would be quadratic.
+ */
+export function averageBalances(range: GlDateRange, branchCode: string): AverageBalanceRow[] {
+  const opening = cumulativeBalances(previousDay(range.from), branchCode);
+  const days = daysInRange(range);
+
+  // Net movement per account per day, on the account's natural side.
+  const dailyDelta = new Map<string, Map<string, number>>();
+  const movedOn = new Map<string, Set<string>>();
+  for (const p of glPostings()) {
+    if (p.date < range.from || p.date > range.to || !matchesBranch(p, branchCode)) {
+      continue;
+    }
+    const account = glAccount(p.accountCode);
+    if (!account) {
+      continue;
+    }
+    const delta = isDebitSide(account) ? p.debit - p.credit : p.credit - p.debit;
+    let perDay = dailyDelta.get(p.accountCode);
+    if (!perDay) {
+      perDay = new Map<string, number>();
+      dailyDelta.set(p.accountCode, perDay);
+    }
+    perDay.set(p.date, (perDay.get(p.date) ?? 0) + delta);
+    let seen = movedOn.get(p.accountCode);
+    if (!seen) {
+      seen = new Set<string>();
+      movedOn.set(p.accountCode, seen);
+    }
+    seen.add(p.date);
+  }
+
+  const rows: AverageBalanceRow[] = [];
+  for (const account of GL_ACCOUNTS) {
+    const open = opening.get(account.code) ?? 0;
+    const perDay = dailyDelta.get(account.code);
+    if (!open && !perDay) {
+      continue;
+    }
+    let running = open;
+    let total = 0;
+    let peak = open;
+    let lowest = open;
+    for (const d of days) {
+      running += perDay?.get(d) ?? 0;
+      total += running;
+      peak = Math.max(peak, running);
+      lowest = Math.min(lowest, running);
+    }
+    rows.push({
+      code: account.code,
+      name: account.name,
+      group: account.group,
+      type: account.type,
+      opening: open,
+      closing: running,
+      average: days.length ? total / days.length : 0,
+      peak,
+      lowest,
+      activeDays: movedOn.get(account.code)?.size ?? 0
+    });
+  }
+  return rows;
+}
+
+/**
+ * Closing balance of every account broken out by branch. Answers "which branch is
+ * carrying this balance", which a single consolidated column cannot.
+ */
+export function accountWiseByBranch(range: GlDateRange, branchCodes: string[]): AccountBranchRow[] {
+  const perBranch = new Map<string, Map<string, number>>();
+  for (const b of branchCodes) {
+    perBranch.set(b, cumulativeBalances(range.to, b));
+  }
+  const rows: AccountBranchRow[] = [];
+  for (const account of GL_ACCOUNTS) {
+    const byBranch: Record<string, number> = {};
+    let total = 0;
+    let any = false;
+    for (const b of branchCodes) {
+      const v = perBranch.get(b)?.get(account.code) ?? 0;
+      byBranch[b] = v;
+      total += v;
+      if (v) {
+        any = true;
+      }
+    }
+    if (!any) {
+      continue;
+    }
+    rows.push({ code: account.code, name: account.name, group: account.group, byBranch, total });
+  }
+  return rows;
+}
+
+/**
+ * Share of the closing book held by each account group, for one side of the
+ * balance sheet. Used to see concentration at a glance.
+ */
+export function balanceDistribution(
+  range: GlDateRange,
+  branchCode: string,
+  side: 'ASSET' | 'LIABILITY'
+): DistributionRow[] {
+  const closing = cumulativeBalances(range.to, branchCode);
+  const byGroup = new Map<string, { amount: number; accounts: number }>();
+  let grand = 0;
+
+  for (const account of GL_ACCOUNTS) {
+    if (account.type !== side) {
+      continue;
+    }
+    const v = closing.get(account.code) ?? 0;
+    if (!v) {
+      continue;
+    }
+    const entry = byGroup.get(account.group) ?? { amount: 0, accounts: 0 };
+    entry.amount += v;
+    entry.accounts += 1;
+    byGroup.set(account.group, entry);
+    grand += v;
+  }
+
+  return [...byGroup.entries()]
+    .map(
+      ([
+        group,
+        e
+      ]) => ({
+        group,
+        amount: e.amount,
+        accounts: e.accounts,
+        share: grand ? (e.amount / grand) * 100 : 0
+      })
+    )
+    .sort((a, b) => b.amount - a.amount);
+}
+
+export interface ClientBalanceRow {
+  cif: string;
+  name: string;
+  branchCode: string;
+  accountNo: string;
+  accountCode: string;
+  product: string;
+  /** DEPOSIT or ADVANCE — which side of the relationship this is. */
+  side: 'DEPOSIT' | 'ADVANCE';
+  balance: number;
+}
+
+export interface BankerHeadRow {
+  head: string;
+  opening: number;
+  debit: number;
+  credit: number;
+  closing: number;
+  accounts: number;
+}
+
+export interface SundryItemRow {
+  date: string;
+  voucherNo: string;
+  branchCode: string;
+  code: string;
+  name: string;
+  narration: string;
+  amount: number;
+  /** Days outstanding as at the period end. */
+  ageDays: number;
+  bucket: string;
+}
+
+export interface VoucherRow {
+  voucherNo: string;
+  date: string;
+  branchCode: string;
+  narration: string;
+  debitAccounts: string;
+  creditAccounts: string;
+  amount: number;
+  legs: number;
+  /** False when debits and credits on the voucher do not agree. */
+  balanced: boolean;
+}
+
+/**
+ * Client-wise balances, derived from the GL rather than stored separately so the two
+ * can never disagree. Each customer's balance is its share of the branch's closing
+ * balance in the head it sits under.
+ */
+export function clientWiseBalances(range: GlDateRange, branchCode: string): ClientBalanceRow[] {
+  const rows: ClientBalanceRow[] = [];
+  const branchClosings = new Map<string, Map<string, number>>();
+
+  for (const c of glCustomers()) {
+    if (branchCode && c.branchCode !== branchCode) {
+      continue;
+    }
+    let closing = branchClosings.get(c.branchCode);
+    if (!closing) {
+      closing = cumulativeBalances(range.to, c.branchCode);
+      branchClosings.set(c.branchCode, closing);
+    }
+    const headBalance = closing.get(c.accountCode) ?? 0;
+    const balance = headBalance * c.share;
+    if (Math.abs(balance) < 0.005) {
+      continue;
+    }
+    const account = glAccount(c.accountCode);
+    rows.push({
+      cif: c.cif,
+      name: c.name,
+      branchCode: c.branchCode,
+      accountNo: c.accountNo,
+      accountCode: c.accountCode,
+      product: account?.name ?? c.accountCode,
+      side: c.accountCode.startsWith('13') ? 'ADVANCE' : 'DEPOSIT',
+      balance
+    });
+  }
+  return rows.sort((a, b) => b.balance - a.balance);
+}
+
+/**
+ * Head-wise abstract: the trial balance rolled up to principal heads, the summary a
+ * banker reads before the detail. Opening, turnover and closing per head.
+ */
+export function bankerHeadSummary(range: GlDateRange, branchCode: string): BankerHeadRow[] {
+  const opening = cumulativeBalances(previousDay(range.from), branchCode);
+  const turnover = periodTurnover(range, branchCode);
+  const byHead = new Map<string, BankerHeadRow>();
+
+  for (const account of GL_ACCOUNTS) {
+    // Contingents are single-sided off-balance-sheet memoranda. Including them would
+    // make the abstract's debit and credit turnover disagree and stop it reconciling
+    // to the trial balance, which also excludes them. They have their own report.
+    if (account.type === 'CONTINGENT') {
+      continue;
+    }
+    const open = opening.get(account.code) ?? 0;
+    const move = turnover.get(account.code);
+    if (!open && !move) {
+      continue;
+    }
+    const debit = move?.debit ?? 0;
+    const credit = move?.credit ?? 0;
+    const closing = open + (isDebitSide(account) ? debit - credit : credit - debit);
+
+    const row = byHead.get(account.group) ?? {
+      head: account.group,
+      opening: 0,
+      debit: 0,
+      credit: 0,
+      closing: 0,
+      accounts: 0
+    };
+    row.opening += open;
+    row.debit += debit;
+    row.credit += credit;
+    row.closing += closing;
+    row.accounts += 1;
+    byHead.set(account.group, row);
+  }
+  return [...byHead.values()];
+}
+
+const SUNDRY_CODES = [
+  '140104',
+  '230103',
+  '140199',
+  '230102'
+];
+
+/**
+ * Outstanding items in the sundry and suspense heads, aged from the posting date.
+ * These accounts are where unreconciled entries accumulate, so ageing is the point
+ * of the register.
+ */
+export function sundryRegister(range: GlDateRange, branchCode: string): SundryItemRow[] {
+  const wanted = new Set(SUNDRY_CODES);
+  const end = new Date(`${range.to}T00:00:00Z`).getTime();
+  const rows: SundryItemRow[] = [];
+
+  for (const p of glPostings()) {
+    if (p.date > range.to || !matchesBranch(p, branchCode) || !wanted.has(p.accountCode)) {
+      continue;
+    }
+    const ageDays = Math.max(0, Math.round((end - new Date(`${p.date}T00:00:00Z`).getTime()) / 86400000));
+    const bucket =
+      ageDays <= 30
+        ? 'Up to 30 days'
+        : ageDays <= 90
+          ? '31 to 90 days'
+          : ageDays <= 180
+            ? '91 to 180 days'
+            : 'Over 180 days';
+    rows.push({
+      date: p.date,
+      voucherNo: p.voucherNo,
+      branchCode: p.branchCode,
+      code: p.accountCode,
+      name: glAccount(p.accountCode)?.name ?? p.accountCode,
+      narration: p.narration,
+      amount: p.debit || p.credit,
+      ageDays,
+      bucket
+    });
+  }
+  return rows.sort((a, b) => b.ageDays - a.ageDays);
+}
+
+/**
+ * Every voucher raised in the period with its debit and credit legs collapsed onto
+ * one line, plus a per-voucher double-entry check.
+ */
+export function voucherRegister(range: GlDateRange, branchCode: string): VoucherRow[] {
+  const grouped = new Map<string, GlPosting[]>();
+  for (const p of glPostings()) {
+    if (p.date < range.from || p.date > range.to || !matchesBranch(p, branchCode)) {
+      continue;
+    }
+    const list = grouped.get(p.voucherNo);
+    if (list) {
+      list.push(p);
+    } else {
+      grouped.set(p.voucherNo, [p]);
+    }
+  }
+
+  const rows: VoucherRow[] = [];
+  for (const [
+    voucherNo,
+    legs
+  ] of grouped) {
+    const debits = legs.filter((l) => l.debit > 0);
+    const credits = legs.filter((l) => l.credit > 0);
+    const drTotal = debits.reduce((s, l) => s + l.debit, 0);
+    const crTotal = credits.reduce((s, l) => s + l.credit, 0);
+    const nameOf = (codes: GlPosting[], side: 'debit' | 'credit') =>
+      [...new Set(codes.map((l) => `${l.accountCode} ${glAccount(l.accountCode)?.name ?? ''}`.trim()))].join(', ');
+
+    rows.push({
+      voucherNo,
+      date: legs[0].date,
+      branchCode: legs[0].branchCode,
+      narration: legs[0].narration,
+      debitAccounts: nameOf(debits, 'debit') || '—',
+      creditAccounts: nameOf(credits, 'credit') || '—',
+      amount: Math.max(drTotal, crTotal),
+      legs: legs.length,
+      // Contingent and opening memoranda are single-sided by design.
+      balanced: voucherNo.startsWith('CNT/') || voucherNo.startsWith('OB/') || Math.round(drTotal - crTotal) === 0
+    });
+  }
+  return rows.sort((a, b) =>
+    a.date === b.date ? a.voucherNo.localeCompare(b.voucherNo) : a.date.localeCompare(b.date)
+  );
 }
 
 // ── Memoisation ──────────────────────────────────────────────────────────────
@@ -360,6 +789,41 @@ export function clampToLedger(range: GlDateRange): GlDateRange {
   };
 }
 
+/**
+ * Value of a set of GL accounts for a period, used when an RBI return line item is
+ * mapped to the chart of accounts.
+ *
+ * Balance-sheet accounts contribute their closing balance as at the period end;
+ * income and expenditure accounts contribute their movement within the period.
+ * That mirrors how the two kinds of figure are read on a return.
+ */
+export function glValueForCodes(codes: string[], range: GlDateRange, branchCode = ''): number {
+  if (!codes.length) {
+    return 0;
+  }
+  const wanted = new Set(codes);
+  const closing = cumulativeBalances(range.to, branchCode);
+  const movement = periodTurnover(range, branchCode);
+  let total = 0;
+
+  for (const code of wanted) {
+    const account = glAccount(code);
+    if (!account) {
+      continue;
+    }
+    if (account.type === 'INCOME' || account.type === 'EXPENSE') {
+      const move = movement.get(code);
+      if (!move) {
+        continue;
+      }
+      total += account.type === 'INCOME' ? move.credit - move.debit : move.debit - move.credit;
+    } else {
+      total += closing.get(code) ?? 0;
+    }
+  }
+  return total;
+}
+
 export function sum<T>(rows: T[], pick: (row: T) => number): number {
   return rows.reduce((acc, r) => acc + pick(r), 0);
 }

src/app/investment/bond-investment/bond-investment.component.html

@@ -25,6 +25,11 @@
           }
         </select>
       </label>
+      @if (activeTab === 'holdings') {
+        <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+          {{ generating ? 'Exporting…' : 'Export to Excel' }}
+        </button>
+      }
     </div>
   </header>
 
@@ -187,8 +192,8 @@
           ><span>Deal No</span><input type="text" [(ngModel)]="purchaseForm.dealNo" readonly
         /></label>
         <label class="inv-form-field"
-          ><span>* Deal Date</span><input type="text" [(ngModel)]="purchaseForm.dealDate" placeholder="DD-MM-YYYY"
+          ><span>* Deal Date</span><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.dealDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>* Deal Time (24 hr, HH:mm:ss)</span
           ><input type="text" [(ngModel)]="purchaseForm.dealTime" placeholder="HH:mm:ss"
@@ -216,8 +221,8 @@
         </label>
         <label class="inv-form-field"
           ><span>Settlement Dt</span
-          ><input type="text" [(ngModel)]="purchaseForm.settlementDt" placeholder="DD-MM-YYYY"
+          ><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.settlementDt"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field">
           <span>* Party Code</span>
           <select [(ngModel)]="purchaseForm.partyCode">
@@ -328,8 +333,8 @@
           </select>
         </label>
         <label class="inv-form-field"
-          ><span>* Issue Date</span><input type="text" [(ngModel)]="purchaseForm.issueDate" placeholder="DD-MM-YYYY"
+          ><span>* Issue Date</span><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.issueDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Period(Year)</span><input type="number" [(ngModel)]="purchaseForm.periodYear" min="0"
         /></label>
@@ -349,8 +354,8 @@
           ><span>Call Option</span><input type="text" [(ngModel)]="purchaseForm.callOption"
         /></label>
         <label class="inv-form-field"
-          ><span>Meet Dt</span><input type="text" [(ngModel)]="purchaseForm.meetDt" placeholder="DD-MM-YYYY"
+          ><span>Meet Dt</span><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.meetDt"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Reso No</span><input type="text" [(ngModel)]="purchaseForm.resoNo"
         /></label>
@@ -389,11 +394,11 @@
             </select>
           </label>
           <label class="inv-form-field"
-            ><span>Int Date</span><input type="text" [(ngModel)]="purchaseForm.intDate" placeholder="DD-MM-YYYY"
+            ><span>Int Date</span><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.intDate"></mifosx-date-ddmmyyyy
-          /></label>
+          ></label>
           <label class="inv-form-field"
-            ><span>* Last Int.dt</span><input type="text" [(ngModel)]="purchaseForm.lastIntDt" placeholder="DD-MM-YYYY"
+            ><span>* Last Int.dt</span><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.lastIntDt"></mifosx-date-ddmmyyyy
-          /></label>
+          ></label>
           <label class="inv-form-field"
             ><span>Accrued Interest (computed)</span
             ><input type="text" [value]="purchaseAccruedInterest | number: '1.2-2'" readonly
@@ -549,8 +554,8 @@
           /></label>
         }
         <label class="inv-form-field"
-          ><span>Redemption Date *</span><input type="text" [(ngModel)]="redeemDate" placeholder="DD-MM-YYYY"
+          ><span>Redemption Date *</span><mifosx-date-ddmmyyyy [(ngModel)]="redeemDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Redemption Proceeds (computed)</span
           ><input type="text" [value]="'₹' + (redeemAmount | number: '1.2-2')" readonly
@@ -570,11 +575,14 @@
       <div class="pos-section-label">Investment - Govt./Bond Interest calculation</div>
       <div class="inv-form-grid">
         <label class="inv-form-field"
-          ><span>Date</span><input type="text" [(ngModel)]="intCalcDate" placeholder="DD-MM-YYYY"
+          ><span>From Date</span><mifosx-date-ddmmyyyy [(ngModel)]="intCalcFromDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
+        <label class="inv-form-field"
+          ><span>To Date</span><mifosx-date-ddmmyyyy [(ngModel)]="intCalcToDate"></mifosx-date-ddmmyyyy
+        ></label>
         <label class="inv-form-field">
           <span>Type</span>
-          <select [(ngModel)]="intCalcType">
+          <select [(ngModel)]="intCalcType" (ngModelChange)="onIntCalcTypeChange()">
             <option value="">-- All Types --</option>
             @for (o of bondTypeOptions; track o.value) {
               <option [value]="o.value">{{ o.label }}</option>
@@ -594,11 +602,25 @@
         <label class="inv-form-field"
           ><span>ALL</span><input type="checkbox" [(ngModel)]="intCalcAll" style="height: 18px; width: 18px"
         /></label>
+        <label class="inv-form-field">
+          <span>Post To (Interest Income GL)</span>
+          <select [(ngModel)]="intCalcGlCode">
+            @for (g of interestIncomeGlOptions; track g.glCode) {
+              <option [value]="g.glCode">{{ g.glCode }} — {{ g.glName }}</option>
+            }
+          </select>
+        </label>
       </div>
       <div class="inv-form-actions">
         <button type="button" class="pg-btn pg-btn--primary" (click)="processInterest()">Process</button>
         <button type="button" class="pg-btn pg-btn--ghost" (click)="setTab('holdings')">Exit</button>
       </div>
+      @if (intCalcExcludedNpi.length > 0) {
+        <p class="pg-sub" style="padding: 0 16px 12px">
+          {{ intCalcExcludedNpi.length }} holding(s) excluded — classified Non-Performing, interest is not posted on
+          accrual basis (collectible on cash basis only, via Interest Receive in the Investment Interest module).
+        </p>
+      }
       <div class="pos-section-label">Holdings matching the filter ({{ intCalcTargets.length }})</div>
       <table class="pg-table">
         <thead>
@@ -689,8 +711,8 @@
           ><span>TBill GL.A/C.</span><input type="text" [(ngModel)]="sellForm.tbillGlAc"
         /></label>
         <label class="inv-form-field"
-          ><span>* Deal Date</span><input type="text" [(ngModel)]="sellForm.dealDate" placeholder="DD-MM-YYYY"
+          ><span>* Deal Date</span><mifosx-date-ddmmyyyy [(ngModel)]="sellForm.dealDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>* Deal Time</span><input type="text" [(ngModel)]="sellForm.dealTime" placeholder="HH:mm:ss"
         /></label>
@@ -703,8 +725,8 @@
           </select>
         </label>
         <label class="inv-form-field"
-          ><span>Settlement Dt</span><input type="text" [(ngModel)]="sellForm.settlementDt" placeholder="DD-MM-YYYY"
+          ><span>Settlement Dt</span><mifosx-date-ddmmyyyy [(ngModel)]="sellForm.settlementDt"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>* Face Value</span><input type="number" [(ngModel)]="sellForm.faceValue" min="0"
         /></label>
@@ -937,8 +959,8 @@
           </select>
         </label>
         <label class="inv-form-field"
-          ><span>Transfer Date *</span><input type="text" [(ngModel)]="goiTransferDate" placeholder="DD-MM-YYYY"
+          ><span>Transfer Date *</span><mifosx-date-ddmmyyyy [(ngModel)]="goiTransferDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
       </div>
       <div class="inv-form-actions">
         <button type="button" class="pg-btn pg-btn--primary" (click)="saveGoiTransfer()">Save</button>
@@ -953,8 +975,8 @@
       <div class="pos-section-label">Investment - Investment Depreciation (Mark-to-Market Provisioning)</div>
       <div class="inv-form-grid">
         <label class="inv-form-field"
-          ><span>Valuation Date</span><input type="text" [(ngModel)]="depreciationDate" placeholder="DD-MM-YYYY"
+          ><span>Valuation Date</span><mifosx-date-ddmmyyyy [(ngModel)]="depreciationDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field">
           <span>Category</span>
           <select [(ngModel)]="depreciationCategory">
@@ -1038,8 +1060,8 @@
           ><span>Units to Transfer *</span><input type="number" [(ngModel)]="mfTransferUnits" min="0" step="0.001"
         /></label>
         <label class="inv-form-field"
-          ><span>Transfer Date *</span><input type="text" [(ngModel)]="mfTransferDate" placeholder="DD-MM-YYYY"
+          ><span>Transfer Date *</span><mifosx-date-ddmmyyyy [(ngModel)]="mfTransferDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Transfer Value (computed)</span
           ><input type="text" [value]="'₹' + (mfTransferValue | number: '1.2-2')" readonly
@@ -1064,6 +1086,7 @@
             <th>Cert No</th>
             <th>Type</th>
             <th>Particulars</th>
+            <th>GL Posted</th>
             <th class="num">Amount</th>
           </tr>
         </thead>
@@ -1077,11 +1100,12 @@
               <td>{{ t.certNo }}</td>
               <td>{{ t.txnType }}</td>
               <td>{{ t.particulars }}</td>
+              <td>{{ t.glCode ? t.glCode + ' — ' + t.glName : '—' }}</td>
               <td class="num">₹{{ t.amount | number: '1.2-2' }}</td>
             </tr>
           } @empty {
             <tr>
-              <td colspan="6" class="pg-empty">No transactions yet.</td>
+              <td colspan="7" class="pg-empty">No transactions yet.</td>
             </tr>
           }
         </tbody>

src/app/investment/bond-investment/bond-investment.component.ts

@@ -9,6 +9,7 @@
 import { Component } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
+import { DateDdmmyyyyPickerComponent } from '../date-ddmmyyyy-picker/date-ddmmyyyy-picker.component';
 import {
   GOVT_SECURITY_HOLDINGS,
   NON_SLR_HOLDINGS,
@@ -30,12 +31,16 @@ import {
   BOND_RATING_OPTIONS,
   INT_TYPE_OPTIONS,
   AUTHORITY_OPTIONS,
+  INTEREST_INCOME_GL_MASTER,
+  INTEREST_INCOME_GL_BY_TYPE,
   InvestmentHolding,
   InvestmentTxn,
   InstrumentType,
   InterestFreq,
   INSTRUMENT_LABELS,
   accruedInterest,
+  accruedInterestBetween,
+  canAccrueInterest,
   daysToMaturity,
   maturityAmount,
   addPeriod,
@@ -43,6 +48,7 @@ import {
   yearsBetween,
   todayDDMMYYYY
 } from '../investment-data';
+import { exportWorkbook } from '../investment-export';
 
 type BondType = 'GOVT_SECURITY' | 'NON_SLR' | 'BOND' | 'MUTUAL_FUND';
 type BondTab =
@@ -172,7 +178,8 @@ interface BondSellForm {
   standalone: true,
   imports: [
     CommonModule,
-    FormsModule
+    FormsModule,
+    DateDdmmyyyyPickerComponent
   ]
 })
 export class BondInvestmentComponent {
@@ -210,6 +217,7 @@ export class BondInvestmentComponent {
   readonly intTypeOptions = INT_TYPE_OPTIONS;
   readonly authorityOptions = AUTHORITY_OPTIONS;
 
+  generating = false;
   toastMsg = '';
   toastVisible = false;
   private toastTimer: ReturnType<typeof setTimeout> | undefined;
@@ -222,12 +230,17 @@ export class BondInvestmentComponent {
   redeemDate = this.asOnDate;
   redeemRemarks = '';
 
-  // Interest Calculation (legacy: Date / Type / Script / Deal No / ALL + Process)
+  // Interest Calculation (legacy: From/To Date / Type / Script / Deal No / ALL + Process) —
-  intCalcDate = this.asOnDate;
+  // posts interest accrued strictly within [intCalcFromDate, intCalcToDate], same period-based
+  // basis as the Investment Interest module's Govt./Bond Interest Calculation.
+  intCalcFromDate = addPeriod(this.asOnDate, 0, -3);
+  intCalcToDate = this.asOnDate;
   intCalcType: BondType | '' = '';
   intCalcScript = '';
   intCalcDealNo = '';
   intCalcAll = false;
+  intCalcGlCode = INTEREST_INCOME_GL_BY_TYPE.GOVT_SECURITY;
+  readonly interestIncomeGlOptions = INTEREST_INCOME_GL_MASTER;
 
   // Write-off
   writeoffCertNo = '';
@@ -645,13 +658,15 @@ export class BondInvestmentComponent {
   }
 
   // -------------------- Interest calculation --------------------
-  /** Holdings the Interest Calculation "Process" run would cover, given the filters. */
+  /** Holdings the Interest Calculation "Process" run would cover, given the filters. A
+   *  Non-Performing holding is always excluded — same accrual-basis rule as the Investment
+   *  Interest module (it's still collectible on cash basis via Interest Receive there). */
   get intCalcTargets(): InvestmentHolding[] {
+    const base = this.holdings.filter((h) => h.status === 'ACTIVE' && canAccrueInterest(h));
     if (this.intCalcAll) {
-      return this.holdings.filter((h) => h.status === 'ACTIVE');
+      return base;
     }
-    return this.holdings.filter((h) => {
+    return base.filter((h) => {
-      if (h.status !== 'ACTIVE') return false;
       if (this.intCalcType && h.instrumentType !== this.intCalcType) return false;
       if (this.intCalcScript && h.scriptCode !== this.intCalcScript) return false;
       if (this.intCalcDealNo && h.certNo !== this.intCalcDealNo.trim()) return false;
@@ -659,31 +674,62 @@ export class BondInvestmentComponent {
     });
   }
 
+  get intCalcExcludedNpi(): InvestmentHolding[] {
+    return this.holdings.filter((h) => h.status === 'ACTIVE' && !canAccrueInterest(h));
+  }
+
+  /** Re-suggests the Interest Income GL when the Type filter changes — still overridable. */
+  onIntCalcTypeChange(): void {
+    if (this.intCalcType) {
+      this.intCalcGlCode = INTEREST_INCOME_GL_BY_TYPE[this.intCalcType];
+    }
+  }
+
+  glName(glCode: string): string {
+    return this.interestIncomeGlOptions.find((g) => g.glCode === glCode)?.glName ?? glCode;
+  }
+
+  /** Interest accrued strictly within [intCalcFromDate, intCalcToDate] — a period-based
+   *  Interest Calculation & Post run, same basis as the Investment Interest module. */
   interestAccrued(h: InvestmentHolding): number {
-    return accruedInterest(h, this.intCalcDate || this.asOnDate);
+    return accruedInterestBetween(h, this.intCalcFromDate || h.purchaseDate, this.intCalcToDate || this.asOnDate);
   }
 
   processInterest(): void {
-    const targets = this.intCalcTargets;
+    const targets = this.intCalcTargets.filter((h) => this.interestAccrued(h) > 0);
     if (targets.length === 0) {
-      this.toast('No holdings match the selected filters.');
+      this.toast('No holdings have interest due to be posted for this period.');
       return;
     }
-    const newTxns: InvestmentTxn[] = targets.map((h, i) => ({
+    const toDate = this.intCalcToDate || this.asOnDate;
-      certNo: h.certNo,
+    const fromDate = this.intCalcFromDate || toDate;
-      instrumentType: h.instrumentType,
+    const glCode = this.intCalcGlCode;
-      txnType: 'INTEREST',
+    const glName = this.glName(glCode);
-      voucherNo: `INV/INT/${h.certNo}-${this.txns.length + i + 1}`,
+    const newTxns: InvestmentTxn[] = targets.map((h, i) => {
-      txnDate: this.intCalcDate || this.asOnDate,
+      const amt = this.interestAccrued(h);
-      amount: this.interestAccrued(h),
+      h.interestPosted = (h.interestPosted ?? 0) + amt;
-      particulars: `Interest calculated - ${h.scriptName}`
+      h.interestPostedTillDate = toDate;
-    }));
+      return {
+        certNo: h.certNo,
+        instrumentType: h.instrumentType,
+        txnType: 'INTEREST',
+        voucherNo: `INV/INT/${h.certNo}-${this.txns.length + i + 1}`,
+        txnDate: toDate,
+        amount: amt,
+        particulars: `Interest calculated (accrual) for period ${fromDate} to ${toDate} - ${h.scriptName}`,
+        glCode,
+        glName
+      };
+    });
     this.txns = [
       ...newTxns,
       ...this.txns
     ];
+    this.intCalcFromDate = toDate;
     const total = newTxns.reduce((s, t) => s + t.amount, 0);
-    this.toast(`Interest processed for ${targets.length} holding(s). Total ₹${total.toLocaleString('en-IN')}.`);
+    this.toast(
+      `Interest processed for ${targets.length} holding(s) to ${glCode} - ${glName}. Total ₹${total.toLocaleString('en-IN')}.`
+    );
   }
 
   // -------------------- Sell / Redeem Entry --------------------
@@ -1092,6 +1138,68 @@ export class BondInvestmentComponent {
     return `inv-badge inv-badge--${h.status.toLowerCase()}`;
   }
 
+  // -------------------- Export to Excel (Holdings register) --------------------
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(
+        [
+          {
+            sheetName: this.instrumentLabel(this.bondType),
+            title: `${this.instrumentLabel(this.bondType)} Holdings Register`,
+            subtitle: `As on ${this.asOnDate}`,
+            headers: [
+              'Cert No',
+              'Script',
+              'Party',
+              'Units',
+              'Face Value',
+              'Rate',
+              'Purchase Date',
+              'Maturity Date',
+              'Accrued Interest',
+              'Maturity Value',
+              'Status'
+            ],
+            widths: [
+              14,
+              26,
+              22,
+              12,
+              16,
+              10,
+              14,
+              14,
+              16,
+              16,
+              12
+            ],
+            rows: this.holdingsForType.map((h) => [
+              h.certNo,
+              h.scriptName,
+              h.party,
+              h.units,
+              h.faceValue,
+              h.interestRate,
+              h.purchaseDate,
+              h.maturityDate,
+              this.accrued(h),
+              this.maturity(h),
+              h.status
+            ])
+          }
+        ],
+        `${this.instrumentLabel(this.bondType)}-Holdings-${this.asOnDate}`
+      );
+      this.toast(`${this.instrumentLabel(this.bondType)} Holdings exported.`);
+    } catch (err) {
+      console.error('Bond Holdings export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
   private toast(msg: string): void {
     this.toastMsg = msg;
     this.toastVisible = true;

src/app/investment/date-ddmmyyyy-picker/date-ddmmyyyy-picker.component.ts

@@ -0,0 +1,213 @@
+/**
+ * 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, ElementRef, ViewChild, forwardRef } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { ControlValueAccessor, FormsModule, NG_VALUE_ACCESSOR } from '@angular/forms';
+
+/**
+ * Drop-in replacement for `<input type="text" placeholder="DD-MM-YYYY">` used throughout the
+ * Investment module. Keeps the DD-MM-YYYY string every date field/helper in investment-data.ts
+ * already expects (parseDDMMYYYY, addPeriod, etc.), but adds a calendar button that opens the
+ * browser's native date picker and converts the picked value back to DD-MM-YYYY — so users can
+ * either type the date or pick it, without changing any consuming component's data model.
+ *
+ * Usage: <mifosx-date-ddmmyyyy [(ngModel)]="someField"></mifosx-date-ddmmyyyy>
+ */
+@Component({
+  selector: 'mifosx-date-ddmmyyyy',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule
+  ],
+  providers: [
+    {
+      provide: NG_VALUE_ACCESSOR,
+      useExisting: forwardRef(() => DateDdmmyyyyPickerComponent),
+      multi: true
+    }
+  ],
+  template: `
+    <div class="inv-date-field">
+      <input
+        type="text"
+        class="inv-date-field__text"
+        [ngModel]="value"
+        (ngModelChange)="onTextChange($event)"
+        (blur)="onTouched()"
+        placeholder="DD-MM-YYYY"
+        [disabled]="disabled"
+      />
+      <button
+        type="button"
+        class="inv-date-field__btn"
+        tabindex="-1"
+        [disabled]="disabled"
+        (click)="openPicker()"
+        aria-label="Pick a date"
+        title="Pick a date"
+      >
+        📅
+      </button>
+      <input
+        #native
+        type="date"
+        class="inv-date-field__native"
+        tabindex="-1"
+        [ngModel]="isoValue"
+        (ngModelChange)="onPickerChange($event)"
+      />
+    </div>
+  `,
+  styles: [
+    `
+      /* Angular view encapsulation stops the host page's .inv-form-field styles from reaching
+       * inside this component's own template, so the look of the surrounding form fields
+       * (height, border, radius, font) is deliberately re-declared here instead of inherited. */
+      :host {
+        display: block;
+        width: 100%;
+      }
+      .inv-date-field {
+        position: relative;
+        display: flex;
+        align-items: center;
+        gap: 6px;
+        width: 100%;
+      }
+      .inv-date-field__text {
+        flex: 1;
+        min-width: 0;
+        width: 100%;
+        height: 36px;
+        padding: 0 10px;
+        border: 1px solid #e2e8f0;
+        border-radius: 8px;
+        font-size: 13px;
+        color: #0d1b2a;
+        font-family: inherit;
+        background: #fff;
+        box-sizing: border-box;
+      }
+      .inv-date-field__btn {
+        flex: 0 0 auto;
+        display: inline-flex;
+        align-items: center;
+        justify-content: center;
+        height: 36px;
+        width: 36px;
+        padding: 0;
+        border: 1px solid #e2e8f0;
+        border-radius: 8px;
+        background: #fff;
+        cursor: pointer;
+        font-size: 14px;
+        line-height: 1;
+      }
+      .inv-date-field__btn:hover:not(:disabled) {
+        background: #f2f4f7;
+      }
+      .inv-date-field__btn:disabled {
+        cursor: not-allowed;
+        opacity: 0.5;
+      }
+      .inv-date-field__native {
+        position: absolute;
+        width: 0;
+        height: 0;
+        padding: 0;
+        border: none;
+        opacity: 0;
+        pointer-events: none;
+      }
+    `
+  ]
+})
+export class DateDdmmyyyyPickerComponent implements ControlValueAccessor {
+  @ViewChild('native') private nativeInput?: ElementRef<HTMLInputElement>;
+
+  value = '';
+  disabled = false;
+
+  private onChangeFn: (v: string) => void = () => {};
+  onTouched: () => void = () => {};
+
+  /** DD-MM-YYYY -> yyyy-MM-dd, the format <input type="date"> requires. */
+  get isoValue(): string {
+    const parts = (this.value || '').split('-');
+    if (parts.length !== 3) {
+      return '';
+    }
+    const [
+      dd,
+      mm,
+      yyyy
+    ] = parts;
+    if (!/^\d{2}$/.test(dd) || !/^\d{2}$/.test(mm) || !/^\d{4}$/.test(yyyy)) {
+      return '';
+    }
+    return `${yyyy}-${mm}-${dd}`;
+  }
+
+  writeValue(v: string): void {
+    this.value = v ?? '';
+  }
+
+  registerOnChange(fn: (v: string) => void): void {
+    this.onChangeFn = fn;
+  }
+
+  registerOnTouched(fn: () => void): void {
+    this.onTouched = fn;
+  }
+
+  setDisabledState(isDisabled: boolean): void {
+    this.disabled = isDisabled;
+  }
+
+  onTextChange(v: string): void {
+    this.value = v;
+    this.onChangeFn(v);
+  }
+
+  /** yyyy-MM-dd (from the native picker) -> DD-MM-YYYY, the format the rest of the app expects. */
+  onPickerChange(iso: string): void {
+    const parts = (iso || '').split('-');
+    if (parts.length !== 3) {
+      return;
+    }
+    const [
+      yyyy,
+      mm,
+      dd
+    ] = parts;
+    const ddmmyyyy = `${dd}-${mm}-${yyyy}`;
+    this.value = ddmmyyyy;
+    this.onChangeFn(ddmmyyyy);
+    this.onTouched();
+  }
+
+  openPicker(): void {
+    const el = this.nativeInput?.nativeElement;
+    if (!el || this.disabled) {
+      return;
+    }
+    const showPicker = (el as HTMLInputElement & { showPicker?: () => void }).showPicker;
+    if (typeof showPicker === 'function') {
+      try {
+        showPicker.call(el);
+        return;
+      } catch {
+        // Some browsers throw if not called from a "user gesture" context they recognise —
+        // fall back to a plain click(), which still opens the native picker.
+      }
+    }
+    el.click();
+  }
+}

src/app/investment/fd-investment/fd-investment.component.html

@@ -16,6 +16,13 @@
         Part-Payment entries.
       </p>
     </div>
+    @if (activeTab === 'holdings') {
+      <div class="pg-toolbar">
+        <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+          {{ generating ? 'Exporting…' : 'Export to Excel' }}
+        </button>
+      </div>
+    }
   </header>
 
   <div class="cctr-tabs">
@@ -172,8 +179,8 @@
           ><span>Certificate No.</span><input type="text" [(ngModel)]="purchaseForm.certNo"
         /></label>
         <label class="inv-form-field"
-          ><span>Certificate Date</span><input type="text" [(ngModel)]="purchaseForm.certDate" placeholder="DD-MM-YYYY"
+          ><span>Certificate Date</span><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.certDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field">
           <span>Sub Type</span>
           <select [(ngModel)]="purchaseForm.subType">
@@ -191,12 +198,12 @@
         </label>
         <label class="inv-form-field"
           ><span>Transaction Date</span
-          ><input type="text" [(ngModel)]="purchaseForm.transactionDate" placeholder="DD-MM-YYYY"
+          ><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.transactionDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Deposit Date *</span
-          ><input type="text" [(ngModel)]="purchaseForm.depositDate" placeholder="DD-MM-YYYY"
+          ><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.depositDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Deposit Amount *</span><input type="number" [(ngModel)]="purchaseForm.depositAmount" min="0"
         /></label>
@@ -210,8 +217,8 @@
         </label>
         <label class="inv-form-field"
           ><span>Interest Date</span
-          ><input type="text" [(ngModel)]="purchaseForm.interestDate" placeholder="DD-MM-YYYY"
+          ><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.interestDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Interest Rate *</span><input type="number" [(ngModel)]="purchaseForm.interestRate" min="0" step="0.01"
         /></label>
@@ -228,8 +235,8 @@
         } @else {
           <label class="inv-form-field"
             ><span>Maturity Date (manual) *</span
-            ><input type="text" [(ngModel)]="purchaseForm.manualMaturityDate" placeholder="DD-MM-YYYY"
+            ><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.manualMaturityDate"></mifosx-date-ddmmyyyy
-          /></label>
+          ></label>
         }
         <label class="inv-form-field"
           ><span>Resolution No.</span><input type="text" [(ngModel)]="purchaseForm.resolutionNo"
@@ -320,11 +327,25 @@
           <span>Certificate No *</span>
           <select [(ngModel)]="interestCertNo">
             <option value="">-- Select --</option>
-            @for (h of activeHoldings; track h.certNo) {
+            @for (h of interestEligibleHoldings; track h.certNo) {
               <option [value]="h.certNo">{{ h.certNo }} — {{ h.party }}</option>
             }
           </select>
         </label>
+        <label class="inv-form-field"
+          ><span>From Date</span><mifosx-date-ddmmyyyy [(ngModel)]="interestFromDate"></mifosx-date-ddmmyyyy
+        ></label>
+        <label class="inv-form-field"
+          ><span>To Date</span><mifosx-date-ddmmyyyy [(ngModel)]="interestToDate"></mifosx-date-ddmmyyyy
+        ></label>
+        <label class="inv-form-field">
+          <span>Post To (Interest Income GL)</span>
+          <select [(ngModel)]="interestGlCode">
+            @for (g of interestIncomeGlOptions; track g.glCode) {
+              <option [value]="g.glCode">{{ g.glCode }} — {{ g.glName }}</option>
+            }
+          </select>
+        </label>
         @if (interestHolding; as h) {
           <label class="inv-form-field"><span>Party</span><input type="text" [value]="h.party" readonly /></label>
           <label class="inv-form-field"
@@ -334,7 +355,7 @@
             ><span>Frequency</span><input type="text" [value]="h.interestFreq" readonly
           /></label>
           <label class="inv-form-field"
-            ><span>Accrued Interest (as on {{ asOnDate }})</span
+            ><span>Interest for Period</span
             ><input type="text" [value]="'₹' + (interestAccrued(h) | number: '1.2-2')" readonly
           /></label>
         }
@@ -369,8 +390,8 @@
           /></label>
         }
         <label class="inv-form-field"
-          ><span>Sell / Premature Date *</span><input type="text" [(ngModel)]="sellDate" placeholder="DD-MM-YYYY"
+          ><span>Sell / Premature Date *</span><mifosx-date-ddmmyyyy [(ngModel)]="sellDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"><span>Remarks</span><input type="text" [(ngModel)]="sellRemark" /></label>
       </div>
       <div class="inv-form-actions">
@@ -447,6 +468,7 @@
             <th>Cert No</th>
             <th>Type</th>
             <th>Particulars</th>
+            <th>GL Posted</th>
             <th class="num">Amount</th>
           </tr>
         </thead>
@@ -460,6 +482,7 @@
               <td>{{ t.certNo }}</td>
               <td>{{ t.txnType }}</td>
               <td>{{ t.particulars }}</td>
+              <td>{{ t.glCode ? t.glCode + ' — ' + t.glName : '—' }}</td>
               <td class="num">₹{{ t.amount | number: '1.2-2' }}</td>
             </tr>
           }

src/app/investment/fd-investment/fd-investment.component.ts

@@ -9,6 +9,7 @@
 import { Component } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
+import { DateDdmmyyyyPickerComponent } from '../date-ddmmyyyy-picker/date-ddmmyyyy-picker.component';
 import {
   FD_HOLDINGS,
   ALL_TXNS,
@@ -17,15 +18,20 @@ import {
   FD_TYPE_OPTIONS,
   INT_TYPE_OPTIONS,
   LIEN_REASON_MASTER,
+  INTEREST_INCOME_GL_MASTER,
+  INTEREST_INCOME_GL_BY_TYPE,
   InvestmentHolding,
   InvestmentTxn,
   InterestFreq,
   accruedInterest,
+  accruedInterestBetween,
+  canAccrueInterest,
   daysToMaturity,
   maturityAmount,
   addPeriod,
   todayDDMMYYYY
 } from '../investment-data';
+import { exportWorkbook } from '../investment-export';
 
 type FdTab = 'holdings' | 'purchase' | 'interest' | 'sell' | 'writeoff' | 'partpayment';
 
@@ -82,7 +88,8 @@ interface FdPurchaseForm {
   standalone: true,
   imports: [
     CommonModule,
-    FormsModule
+    FormsModule,
+    DateDdmmyyyyPickerComponent
   ]
 })
 export class FdInvestmentComponent {
@@ -97,12 +104,14 @@ export class FdInvestmentComponent {
   readonly fdTypeOptions = FD_TYPE_OPTIONS;
   readonly intTypeOptions = INT_TYPE_OPTIONS;
   readonly lienReasonOptions = LIEN_REASON_MASTER;
+  readonly interestIncomeGlOptions = INTEREST_INCOME_GL_MASTER;
   readonly branchOptions = [
     'HEAD OFFICE',
     'BRANCH 1',
     'BRANCH 2'
   ];
 
+  generating = false;
   toastMsg = '';
   toastVisible = false;
   private toastTimer: ReturnType<typeof setTimeout> | undefined;
@@ -112,6 +121,9 @@ export class FdInvestmentComponent {
   searchCertNo = '';
 
   interestCertNo = '';
+  interestFromDate = addPeriod(this.asOnDate, 0, -3);
+  interestToDate = this.asOnDate;
+  interestGlCode = INTEREST_INCOME_GL_BY_TYPE.FD;
   sellCertNo = '';
   sellDate = this.asOnDate;
   sellRemark = '';
@@ -311,12 +323,24 @@ export class FdInvestmentComponent {
   }
 
   // -------------------- Interest --------------------
+  /** Certificates eligible for accrual-basis posting — same rule as the Investment Interest
+   *  module: a Non-Performing holding never appears here, only through Interest Receive. */
+  get interestEligibleHoldings(): InvestmentHolding[] {
+    return this.activeHoldings.filter((h) => canAccrueInterest(h));
+  }
+
   get interestHolding(): InvestmentHolding | undefined {
     return this.holdings.find((h) => h.certNo === this.interestCertNo);
   }
 
+  /** Interest accrued strictly within [interestFromDate, interestToDate] — a period-based
+   *  Interest Calculation & Post run, same basis as the Investment Interest module. */
   interestAccrued(h: InvestmentHolding): number {
-    return accruedInterest(h, this.asOnDate);
+    return accruedInterestBetween(h, this.interestFromDate || h.purchaseDate, this.interestToDate || this.asOnDate);
+  }
+
+  glName(glCode: string): string {
+    return this.interestIncomeGlOptions.find((g) => g.glCode === glCode)?.glName ?? glCode;
   }
 
   postInterest(): void {
@@ -326,19 +350,34 @@ export class FdInvestmentComponent {
       return;
     }
     const amt = this.interestAccrued(h);
+    if (amt <= 0) {
+      this.toast('No interest due to be posted for this period.');
+      return;
+    }
+    const toDate = this.interestToDate || this.asOnDate;
+    const fromDate = this.interestFromDate || toDate;
+    const glCode = this.interestGlCode;
+    const glName = this.glName(glCode);
+    h.interestPosted = (h.interestPosted ?? 0) + amt;
+    h.interestPostedTillDate = toDate;
+    this.interestFromDate = toDate;
     this.txns = [
       {
         certNo: h.certNo,
         instrumentType: 'FD',
         txnType: 'INTEREST',
         voucherNo: `INV/INT/FD-${h.certNo}-${this.txns.length + 1}`,
-        txnDate: this.asOnDate,
+        txnDate: toDate,
         amount: amt,
-        particulars: `Interest posted - ${h.party} (${h.interestFreq})`
+        particulars: `Interest posted (accrual) for period ${fromDate} to ${toDate} - ${h.party} (${h.interestFreq})`,
+        glCode,
+        glName
       },
       ...this.txns
     ];
-    this.toast(`Interest of ₹${amt.toLocaleString('en-IN')} posted for Certificate ${h.certNo}.`);
+    this.toast(
+      `Interest of ₹${amt.toLocaleString('en-IN')} posted to ${glCode} - ${glName} for Certificate ${h.certNo}.`
+    );
     this.interestCertNo = '';
   }
 
@@ -450,6 +489,68 @@ export class FdInvestmentComponent {
     return `inv-badge inv-badge--${h.status.toLowerCase()}`;
   }
 
+  // -------------------- Export to Excel (Holdings register) --------------------
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(
+        [
+          {
+            sheetName: 'FD Holdings',
+            title: 'FD Holdings Register',
+            subtitle: `As on ${this.asOnDate}`,
+            headers: [
+              'Cert No',
+              'Party',
+              'Type',
+              'Face Value',
+              'Rate',
+              'Frequency',
+              'Purchase Date',
+              'Maturity Date',
+              'Accrued Interest',
+              'Maturity Value',
+              'Status'
+            ],
+            widths: [
+              14,
+              28,
+              18,
+              16,
+              10,
+              14,
+              14,
+              14,
+              16,
+              16,
+              12
+            ],
+            rows: this.holdings.map((h) => [
+              h.certNo,
+              h.party,
+              h.interestFreq === 'CUMULATIVE' ? 'Cumulative' : 'Payout',
+              h.faceValue,
+              h.interestRate,
+              h.interestFreq,
+              h.purchaseDate,
+              h.maturityDate,
+              this.accrued(h),
+              this.maturity(h),
+              h.status
+            ])
+          }
+        ],
+        `FD-Holdings-${this.asOnDate}`
+      );
+      this.toast('FD Holdings exported.');
+    } catch (err) {
+      console.error('FD Holdings export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
   private toast(msg: string): void {
     this.toastMsg = msg;
     this.toastVisible = true;

src/app/investment/investment-dashboard/investment-dashboard.component.html

@@ -16,6 +16,11 @@
         {{ asOnDate }}.
       </p>
     </div>
+    <div class="pg-toolbar">
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
+    </div>
   </header>
 
   <div class="inv-kpis">
@@ -78,6 +83,69 @@
     </table>
   </div>
 
+  <div class="pg-card">
+    <div class="pos-section-label">Portfolio Allocation — Target vs Actual</div>
+    <p class="pg-sub">
+      Govt Security, Non-SLR, Mutual Fund and Share targets trace to RBI's SLR floor (18% of NDTL) and Non-SLR ceiling
+      (≤10% of deposits) for Urban Co-operative Banks; Fixed Deposit and Bond are board-approved policy choices within
+      the room that framework leaves.
+    </p>
+    <table class="pg-table">
+      <thead>
+        <tr>
+          <th>Instrument Type</th>
+          <th>Target Basis</th>
+          <th class="num">Target %</th>
+          <th class="num">Actual %</th>
+          <th class="num">Actual Value</th>
+          <th class="num">Variance</th>
+          <th>Status</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (a of allocationVsTarget; track a.type) {
+          <tr>
+            <td>{{ a.label }}</td>
+            <td>
+              <span class="inv-badge" [class.inv-badge--matured]="a.isRbiLinked">
+                {{ a.isRbiLinked ? 'RBI SLR / Non-SLR Norm' : 'Board Policy' }}
+              </span>
+            </td>
+            <td class="num">{{ a.targetPct }}%</td>
+            <td class="num">{{ a.actualPct }}%</td>
+            <td class="num">₹{{ a.actualValue | number: '1.2-2' }}</td>
+            <td
+              class="num"
+              [class.col-out]="a.statusLabel !== 'Within Target'"
+              [class.col-in]="a.statusLabel === 'Within Target'"
+            >
+              {{ a.variancePct > 0 ? '+' : '' }}{{ a.variancePct }}%
+            </td>
+            <td>
+              <span
+                class="inv-badge"
+                [class.inv-badge--active]="a.statusLabel === 'Within Target'"
+                [class.inv-badge--sold]="a.statusLabel === 'Over-Allocated'"
+                [class.inv-badge--written_off]="a.statusLabel === 'Under-Allocated'"
+              >
+                {{ a.statusLabel }}
+              </span>
+            </td>
+          </tr>
+        }
+      </tbody>
+      <tfoot>
+        <tr class="cctr-total-row">
+          <td>Total</td>
+          <td class="num">100%</td>
+          <td class="num">100%</td>
+          <td class="num">₹{{ totalFaceValue | number: '1.2-2' }}</td>
+          <td colspan="2"></td>
+        </tr>
+      </tfoot>
+    </table>
+  </div>
+
   <div class="pg-card">
     <div class="pos-section-label">Due-Date Diary — Maturing Within 90 Days</div>
     @if (maturingSoon.length === 0) {
@@ -144,3 +212,5 @@
     </div>
   </div>
 </div>
+
+<div class="inv-toast" [class.show]="toastVisible">{{ toastMsg }}</div>

src/app/investment/investment-dashboard/investment-dashboard.component.ts

@@ -11,13 +11,16 @@ import { CommonModule } from '@angular/common';
 import { RouterLink } from '@angular/router';
 import {
   ALL_HOLDINGS,
+  ALLOCATION_TARGET_IS_RBI_LINKED,
   INSTRUMENT_LABELS,
   InstrumentType,
   InvestmentHolding,
+  TARGET_ALLOCATION_PCT,
   accruedInterest,
   daysToMaturity,
   maturityAmount
 } from '../investment-data';
+import { exportWorkbook } from '../investment-export';
 
 interface InstrumentSummary {
   type: InstrumentType;
@@ -29,6 +32,19 @@ interface InstrumentSummary {
   maturityValue: number;
 }
 
+interface AllocationRow {
+  type: InstrumentType;
+  label: string;
+  targetPct: number;
+  actualPct: number;
+  actualValue: number;
+  variancePct: number;
+  statusLabel: 'Within Target' | 'Over-Allocated' | 'Under-Allocated';
+  /** True when the target itself traces to an RBI SLR/Non-SLR rule rather than being a
+   *  board-only policy choice — see TARGET_ALLOCATION_PCT's doc comment in investment-data.ts. */
+  isRbiLinked: boolean;
+}
+
 /** Cross-instrument portfolio dashboard — every figure is derived from ALL_HOLDINGS, never
  *  hand-duplicated, so it can never drift from the per-instrument screens or Reports. */
 @Component({
@@ -46,6 +62,10 @@ interface InstrumentSummary {
 })
 export class InvestmentDashboardComponent {
   asOnDate = '';
+  generating = false;
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: ReturnType<typeof setTimeout> | undefined;
   private readonly types: Array<{ type: InstrumentType; route: string }> = [
     { type: 'FD', route: '/investment/fd' },
     { type: 'GOVT_SECURITY', route: '/investment/bonds' },
@@ -79,6 +99,31 @@ export class InvestmentDashboardComponent {
     });
   }
 
+  /** Board-approved policy target % per instrument type vs the portfolio's actual allocation
+   *  (by invested/face value) — a ±2 percentage-point band is treated as "Within Target" since
+   *  a treasury desk can't rebalance to the exact decimal every day. */
+  get allocationVsTarget(): AllocationRow[] {
+    const total = this.totalFaceValue;
+    return this.types.map(({ type }) => {
+      const value = this.holdingsOf(type).reduce((s, h) => s + h.faceValue, 0);
+      const actualPct = total ? (value / total) * 100 : 0;
+      const targetPct = TARGET_ALLOCATION_PCT[type];
+      const variancePct = +(actualPct - targetPct).toFixed(1);
+      const statusLabel: AllocationRow['statusLabel'] =
+        Math.abs(variancePct) <= 2 ? 'Within Target' : variancePct > 0 ? 'Over-Allocated' : 'Under-Allocated';
+      return {
+        type,
+        label: INSTRUMENT_LABELS[type],
+        targetPct,
+        actualPct: +actualPct.toFixed(1),
+        actualValue: value,
+        variancePct,
+        statusLabel,
+        isRbiLinked: ALLOCATION_TARGET_IS_RBI_LINKED[type]
+      };
+    });
+  }
+
   get totalHoldings(): number {
     return ALL_HOLDINGS.length;
   }
@@ -117,4 +162,88 @@ export class InvestmentDashboardComponent {
   instrumentLabel(type: InstrumentType): string {
     return INSTRUMENT_LABELS[type];
   }
+
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(
+        [
+          {
+            sheetName: 'Instrument Breakup',
+            title: 'Investment Portfolio — Instrument-wise Break-up',
+            subtitle: `As on ${this.asOnDate}`,
+            headers: [
+              'Instrument Type',
+              'Holdings',
+              'Face Value',
+              'Accrued Interest',
+              'Maturity Value'
+            ],
+            widths: [
+              26,
+              12,
+              18,
+              18,
+              18
+            ],
+            rows: this.summaries.map((s) => [
+              s.label,
+              s.count,
+              s.faceValue,
+              s.accruedInterest,
+              s.maturityValue
+            ])
+          },
+          {
+            sheetName: 'Portfolio Allocation',
+            title: 'Portfolio Allocation — Target vs Actual',
+            subtitle: `As on ${this.asOnDate}`,
+            headers: [
+              'Instrument Type',
+              'Target Basis',
+              'Target %',
+              'Actual %',
+              'Actual Value',
+              'Variance %',
+              'Status'
+            ],
+            widths: [
+              26,
+              20,
+              12,
+              12,
+              18,
+              12,
+              18
+            ],
+            rows: this.allocationVsTarget.map((a) => [
+              a.label,
+              a.isRbiLinked ? 'RBI SLR / Non-SLR Norm' : 'Board Policy',
+              a.targetPct,
+              a.actualPct,
+              a.actualValue,
+              a.variancePct,
+              a.statusLabel
+            ])
+          }
+        ],
+        `Investment-Dashboard-${this.asOnDate}`
+      );
+      this.toast('Investment Dashboard exported.');
+    } catch (err) {
+      console.error('Investment Dashboard export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    if (this.toastTimer) {
+      clearTimeout(this.toastTimer);
+    }
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
 }

src/app/investment/investment-data.ts

@@ -22,6 +22,7 @@ export type InterestFreq = 'MONTHLY' | 'QUARTERLY' | 'HALF_YEARLY' | 'YEARLY' |
 export type TxnType =
   | 'PURCHASE'
   | 'INTEREST'
+  | 'INTEREST_RECEIVED'
   | 'DIVIDEND'
   | 'SELL'
   | 'REDEEM'
@@ -38,6 +39,61 @@ export const INSTRUMENT_LABELS: Record<InstrumentType, string> = {
   SHARE: 'Share'
 };
 
+/** RBI investment-provisioning classification. A holding with no `provisionStatus` (or
+ *  explicitly 'STANDARD') is performing normally. Once classified Sub-Standard/Doubtful/Loss —
+ *  a Non-Performing Investment (NPI), the loan-book equivalent of an NPA — interest can no
+ *  longer be recognised on accrual basis (see canAccrueInterest()) and a provision must be held
+ *  against the investment (see provisionRequiredInv()). */
+export type InvestmentProvisionStatus = 'STANDARD' | 'SUB_STANDARD' | 'DOUBTFUL' | 'LOSS';
+
+export const PROVISION_STATUS_LABELS: Record<InvestmentProvisionStatus, string> = {
+  STANDARD: 'Standard',
+  SUB_STANDARD: 'Sub-Standard (NPI)',
+  DOUBTFUL: 'Doubtful (NPI)',
+  LOSS: 'Loss (NPI)'
+};
+
+/**
+ * Portfolio-policy target — % of the total investment corpus each instrument type should hold.
+ * Compared against actual holdings on the Dashboard so a treasury desk can see at a glance where
+ * the book has drifted from policy. Four of these six trace back to real RBI rules for Urban
+ * Co-operative Banks (RBI Master Direction/Circular — Investment Portfolio of Primary (Urban)
+ * Co-operative Banks):
+ *   • SLR: UCBs must hold 18% of NDTL in approved securities — predominantly Central/State Govt
+ *     securities (and SLR-eligible State Development Loan bonds). A well-run treasury holds a
+ *     safety buffer above the bare floor, so Govt Security dominates the book far beyond the 18%
+ *     minimum — it isn't itself an upper target, just the reason this bucket is the largest.
+ *   • Non-SLR ceiling: a UCB's Non-SLR investments must not exceed 10% of its total deposits as
+ *     on 31 March of the previous year — a hard regulatory cap, not a board choice.
+ *   • Mutual Funds: RBI permits UCBs to invest only in debt-oriented schemes of SEBI-registered
+ *     mutual funds, in strictly limited amounts — equity/balanced schemes are not permitted.
+ *   • Shares: RBI does not permit UCBs to invest in equity shares of companies as a general
+ *     investment class; any "Share" holding is essentially the (small, largely static) shares a
+ *     UCB holds in affiliated co-operative institutions, not a discretionary trading book.
+ * Fixed Deposit (treasury placements with other banks) and Bond (a mix of SLR-eligible SDL and
+ * Non-SLR PSU/FI bonds) have no RBI-mandated percentage of their own — their split here is a
+ * board-approved policy choice within the room RBI's SLR/Non-SLR framework leaves.
+ */
+export const TARGET_ALLOCATION_PCT: Record<InstrumentType, number> = {
+  GOVT_SECURITY: 55,
+  BOND: 18,
+  FD: 15,
+  NON_SLR: 7,
+  MUTUAL_FUND: 3,
+  SHARE: 2
+};
+
+/** True for the instrument types whose target traces to an actual RBI rule (SLR floor / Non-SLR
+ *  ceiling) rather than a board-only policy choice — see TARGET_ALLOCATION_PCT's doc comment. */
+export const ALLOCATION_TARGET_IS_RBI_LINKED: Record<InstrumentType, boolean> = {
+  GOVT_SECURITY: true,
+  BOND: false,
+  FD: false,
+  NON_SLR: true,
+  MUTUAL_FUND: true,
+  SHARE: true
+};
+
 export interface InvestmentHolding {
   certNo: string;
   instrumentType: InstrumentType;
@@ -57,6 +113,16 @@ export interface InvestmentHolding {
   crToAc: string;
   brokerCode: string;
   status: HoldingStatus;
+  /** Absent/'STANDARD' for a healthy holding. Drives canAccrueInterest() and provisioning. */
+  provisionStatus?: InvestmentProvisionStatus;
+  /** Cumulative interest posted (booked as an accrual receivable/income entry) to date. */
+  interestPosted?: number;
+  /** Cumulative interest actually received in cash to date. */
+  interestReceived?: number;
+  /** DD-MM-YYYY through which interest has already been calculated & posted. accruedInterestBetween()
+   *  never re-counts days up to this date, so re-running a Calculation & Post for an overlapping
+   *  or repeated period always yields 0 instead of double-posting the same interest. */
+  interestPostedTillDate?: string;
 }
 
 export interface InvestmentTxn {
@@ -67,6 +133,10 @@ export interface InvestmentTxn {
   txnDate: string;
   amount: number;
   particulars: string;
+  /** GL account this entry was posted/received against — the Interest Income GL for a Post,
+   *  the Cash/Bank GL for a Receive. Absent on older/seeded entries that predate GL selection. */
+  glCode?: string;
+  glName?: string;
 }
 
 // -------------------- Date / interest helpers --------------------
@@ -109,6 +179,75 @@ export function daysToMaturity(h: InvestmentHolding, asOnStr: string): number {
   return Math.round((mat - asOn) / (24 * 3600 * 1000));
 }
 
+// -------------------- Provisioning & interest-lifecycle helpers --------------------
+
+export function isNpi(h: InvestmentHolding): boolean {
+  return (h.provisionStatus ?? 'STANDARD') !== 'STANDARD';
+}
+
+export function provisionRatePctInv(status: InvestmentProvisionStatus): number {
+  switch (status) {
+    case 'STANDARD':
+      return 0;
+    case 'SUB_STANDARD':
+      return 25;
+    case 'DOUBTFUL':
+      return 50;
+    case 'LOSS':
+      return 100;
+  }
+}
+
+/** Provision required against the investment itself (principal), same idea as NPA provisioning
+ *  on a loan book — computed on face value since that is this module's carrying-value figure. */
+export function provisionRequiredInv(h: InvestmentHolding): number {
+  return Math.round(h.faceValue * (provisionRatePctInv(h.provisionStatus ?? 'STANDARD') / 100));
+}
+
+/** Interest can only be recognised on an accrual basis (posted as a receivable/income entry)
+ *  while the investment is Standard. Once it is classified Non-Performing (Sub-Standard/
+ *  Doubtful/Loss), RBI income-recognition norms require interest to move to cash basis — i.e.
+ *  it is recognised only when actually received, never posted as an accrual receivable. */
+export function canAccrueInterest(h: InvestmentHolding): boolean {
+  return !isNpi(h);
+}
+
+/** Outstanding "Interest Receivable" GL balance — interest already posted (booked as income)
+ *  but not yet actually received in cash. Always 0 for an NPI holding, since nothing is ever
+ *  posted as a receivable on one. */
+export function interestReceivableBalance(h: InvestmentHolding): number {
+  if (!canAccrueInterest(h)) {
+    return 0;
+  }
+  return Math.max(0, (h.interestPosted ?? 0) - (h.interestReceived ?? 0));
+}
+
+/** For an NPI holding, interest keeps accruing notionally but is held in memo/suspense — never
+ *  posted as an asset or recognised as income — until it is actually collected in cash. */
+export function suspenseInterest(h: InvestmentHolding, asOnStr: string): number {
+  if (canAccrueInterest(h)) {
+    return 0;
+  }
+  return Math.max(0, accruedInterest(h, asOnStr) - (h.interestReceived ?? 0));
+}
+
+/** Interest accrued strictly within [fromStr, toStr], clipped to the holding's own
+ *  purchase→maturity window — the basis for a period-based Interest Calculation & Post run
+ *  (as opposed to accruedInterest(), which is always measured from purchase date). Returns 0
+ *  for a Non-Performing holding, same accrual-basis rule as accruedInterest(). */
+export function accruedInterestBetween(h: InvestmentHolding, fromStr: string, toStr: string): number {
+  if (!canAccrueInterest(h)) {
+    return 0;
+  }
+  const purchase = parseDDMMYYYY(h.purchaseDate).getTime();
+  const maturity = parseDDMMYYYY(h.maturityDate).getTime();
+  const postedTill = h.interestPostedTillDate ? parseDDMMYYYY(h.interestPostedTillDate).getTime() : purchase;
+  const from = Math.max(parseDDMMYYYY(fromStr).getTime(), purchase, postedTill);
+  const to = Math.min(parseDDMMYYYY(toStr).getTime(), maturity);
+  const days = Math.max(0, (to - from) / (24 * 3600 * 1000));
+  return Math.round(h.faceValue * (h.interestRate / 100) * (days / 365.25));
+}
+
 export function formatDDMMYYYY(d: Date): string {
   return `${String(d.getDate()).padStart(2, '0')}-${String(d.getMonth() + 1).padStart(2, '0')}-${d.getFullYear()}`;
 }
@@ -208,7 +347,9 @@ export const FD_HOLDINGS: InvestmentHolding[] = [
     glName: 'FIXED DEPO. CO-OPER. BANK MAIN',
     crToAc: '310070',
     brokerCode: '',
-    status: 'ACTIVE'
+    status: 'ACTIVE',
+    interestPosted: 42000,
+    interestReceived: 36000
   },
   {
     certNo: '15624',
@@ -268,7 +409,10 @@ export const FD_HOLDINGS: InvestmentHolding[] = [
     glName: 'FIXED DEPO. CO-OPER. BANK MAIN',
     crToAc: '310070',
     brokerCode: '',
-    status: 'ACTIVE'
+    status: 'ACTIVE',
+    provisionStatus: 'DOUBTFUL',
+    interestPosted: 115500,
+    interestReceived: 50000
   },
   {
     certNo: '15627',
@@ -289,6 +433,68 @@ export const FD_HOLDINGS: InvestmentHolding[] = [
     crToAc: '310070',
     brokerCode: '',
     status: 'ACTIVE'
+  },
+  {
+    certNo: '15628',
+    instrumentType: 'FD',
+    scriptCode: 'FD-CUM',
+    scriptName: 'Cumulative Fixed Deposit',
+    party: 'Zilla Sahakari Bank Ltd',
+    subType: 'NON SLR',
+    faceValue: 1800000,
+    purchaseRate: 100,
+    units: 1,
+    purchaseDate: '20-08-2025',
+    maturityDate: '20-08-2026',
+    interestRate: 6.8,
+    interestFreq: 'CUMULATIVE',
+    glCode: '320020',
+    glName: 'FIXED DEPO. CO-OPER. BANK MAIN',
+    crToAc: '310070',
+    brokerCode: '',
+    status: 'ACTIVE'
+  },
+  {
+    certNo: '15629',
+    instrumentType: 'FD',
+    scriptCode: 'FD-MIP',
+    scriptName: 'Monthly Interest Payout FD',
+    party: 'Vidarbha Cooperative Bank',
+    subType: 'NON SLR',
+    faceValue: 2200000,
+    purchaseRate: 100,
+    units: 1,
+    purchaseDate: '25-09-2025',
+    maturityDate: '25-09-2026',
+    interestRate: 7.15,
+    interestFreq: 'MONTHLY',
+    glCode: '320020',
+    glName: 'FIXED DEPO. CO-OPER. BANK MAIN',
+    crToAc: '310070',
+    brokerCode: '',
+    status: 'ACTIVE',
+    interestPosted: 143220,
+    interestReceived: 130800
+  },
+  {
+    certNo: '15630',
+    instrumentType: 'FD',
+    scriptCode: 'FD-CUM',
+    scriptName: 'Cumulative Fixed Deposit',
+    party: 'Konkan Cooperative Bank Ltd',
+    subType: 'NON SLR',
+    faceValue: 900000,
+    purchaseRate: 100,
+    units: 1,
+    purchaseDate: '28-10-2024',
+    maturityDate: '28-10-2026',
+    interestRate: 6.75,
+    interestFreq: 'YEARLY',
+    glCode: '320020',
+    glName: 'FIXED DEPO. CO-OPER. BANK MAIN',
+    crToAc: '310070',
+    brokerCode: '',
+    status: 'ACTIVE'
   }
 ];
 
@@ -311,7 +517,9 @@ export const GOVT_SECURITY_HOLDINGS: InvestmentHolding[] = [
     glName: 'INVESTMENT IN GOVT. SECURITIES',
     crToAc: '310070',
     brokerCode: 'BRK-002',
-    status: 'ACTIVE'
+    status: 'ACTIVE',
+    interestPosted: 181500,
+    interestReceived: 150000
   },
   {
     certNo: 'GSEC-2002',
@@ -351,7 +559,9 @@ export const GOVT_SECURITY_HOLDINGS: InvestmentHolding[] = [
     glName: 'INVESTMENT IN GOVT. SECURITIES',
     crToAc: '310070',
     brokerCode: 'BRK-002',
-    status: 'ACTIVE'
+    status: 'ACTIVE',
+    interestPosted: 67900,
+    interestReceived: 67900
   },
   {
     certNo: 'GSEC-2004',
@@ -412,6 +622,46 @@ export const GOVT_SECURITY_HOLDINGS: InvestmentHolding[] = [
     crToAc: '310070',
     brokerCode: 'BRK-002',
     status: 'ACTIVE'
+  },
+  {
+    certNo: 'GSEC-2007',
+    instrumentType: 'GOVT_SECURITY',
+    scriptCode: 'TBILL-91D',
+    scriptName: '91 Days Treasury Bill',
+    party: 'RBI - SGL',
+    subType: 'SLR',
+    faceValue: 2000000,
+    purchaseRate: 98.2,
+    units: 20000,
+    purchaseDate: '15-05-2026',
+    maturityDate: '13-08-2026',
+    interestRate: 6.2,
+    interestFreq: 'CUMULATIVE',
+    glCode: '310020',
+    glName: 'INVESTMENT IN GOVT. SECURITIES',
+    crToAc: '310070',
+    brokerCode: 'BRK-003',
+    status: 'ACTIVE'
+  },
+  {
+    certNo: 'GSEC-2008',
+    instrumentType: 'GOVT_SECURITY',
+    scriptCode: 'GJ-SDL-2026',
+    scriptName: '7.85% Gujarat SDL 2026',
+    party: 'RBI - SGL',
+    subType: 'SLR',
+    faceValue: 1800000,
+    purchaseRate: 100.2,
+    units: 18000,
+    purchaseDate: '18-09-2025',
+    maturityDate: '18-09-2026',
+    interestRate: 7.85,
+    interestFreq: 'HALF_YEARLY',
+    glCode: '310020',
+    glName: 'INVESTMENT IN GOVT. SECURITIES',
+    crToAc: '310070',
+    brokerCode: 'BRK-001',
+    status: 'ACTIVE'
   }
 ];
 
@@ -514,6 +764,48 @@ export const NON_SLR_HOLDINGS: InvestmentHolding[] = [
     glName: 'INVESTMENT IN NON SLR SECURITIES',
     crToAc: '310070',
     brokerCode: 'BRK-003',
+    status: 'ACTIVE',
+    interestPosted: 89400,
+    interestReceived: 60000
+  },
+  {
+    certNo: 'NSLR-3006',
+    instrumentType: 'NON_SLR',
+    scriptCode: 'IRFC-7.55-2026',
+    scriptName: 'IRFC Bond 7.55% 2026',
+    party: 'Indian Railway Finance Corp',
+    subType: 'NON SLR',
+    faceValue: 1600000,
+    purchaseRate: 100,
+    units: 16000,
+    purchaseDate: '25-08-2025',
+    maturityDate: '25-08-2026',
+    interestRate: 7.55,
+    interestFreq: 'YEARLY',
+    glCode: '310030',
+    glName: 'INVESTMENT IN NON SLR SECURITIES',
+    crToAc: '310070',
+    brokerCode: 'BRK-004',
+    status: 'ACTIVE'
+  },
+  {
+    certNo: 'NSLR-3007',
+    instrumentType: 'NON_SLR',
+    scriptCode: 'NHB-7.3-2026',
+    scriptName: 'NHB Bond 7.30% 2026',
+    party: 'National Housing Bank',
+    subType: 'NON SLR',
+    faceValue: 1000000,
+    purchaseRate: 100,
+    units: 10000,
+    purchaseDate: '10-10-2025',
+    maturityDate: '10-10-2026',
+    interestRate: 7.3,
+    interestFreq: 'YEARLY',
+    glCode: '310030',
+    glName: 'INVESTMENT IN NON SLR SECURITIES',
+    crToAc: '310070',
+    brokerCode: 'BRK-003',
     status: 'ACTIVE'
   }
 ];
@@ -597,7 +889,10 @@ export const BOND_HOLDINGS: InvestmentHolding[] = [
     glName: 'INVESTMENT IN CORPORATE BONDS',
     crToAc: '310070',
     brokerCode: 'BRK-006',
-    status: 'ACTIVE'
+    status: 'ACTIVE',
+    provisionStatus: 'SUB_STANDARD',
+    interestPosted: 66000,
+    interestReceived: 40000
   },
   {
     certNo: 'BOND-4005',
@@ -618,6 +913,46 @@ export const BOND_HOLDINGS: InvestmentHolding[] = [
     crToAc: '310070',
     brokerCode: 'BRK-005',
     status: 'ACTIVE'
+  },
+  {
+    certNo: 'BOND-4006',
+    instrumentType: 'BOND',
+    scriptCode: 'CHOLA-8.35-2026',
+    scriptName: 'Cholamandalam Finance NCD 8.35% 2026',
+    party: 'Cholamandalam Investment & Finance',
+    subType: 'CORPORATE BOND',
+    faceValue: 1400000,
+    purchaseRate: 100,
+    units: 14000,
+    purchaseDate: '15-09-2024',
+    maturityDate: '15-09-2026',
+    interestRate: 8.35,
+    interestFreq: 'YEARLY',
+    glCode: '310040',
+    glName: 'INVESTMENT IN CORPORATE BONDS',
+    crToAc: '310070',
+    brokerCode: 'BRK-006',
+    status: 'ACTIVE'
+  },
+  {
+    certNo: 'BOND-4007',
+    instrumentType: 'BOND',
+    scriptCode: 'PEL-8.4-2026',
+    scriptName: 'Piramal Enterprises NCD 8.40% 2026',
+    party: 'Piramal Enterprises Ltd',
+    subType: 'CORPORATE BOND',
+    faceValue: 900000,
+    purchaseRate: 100,
+    units: 9000,
+    purchaseDate: '28-10-2025',
+    maturityDate: '28-10-2026',
+    interestRate: 8.4,
+    interestFreq: 'YEARLY',
+    glCode: '310040',
+    glName: 'INVESTMENT IN CORPORATE BONDS',
+    crToAc: '310070',
+    brokerCode: 'BRK-005',
+    status: 'ACTIVE'
   }
 ];
 
@@ -721,6 +1056,46 @@ export const MUTUAL_FUND_HOLDINGS: InvestmentHolding[] = [
     crToAc: '310070',
     brokerCode: '',
     status: 'ACTIVE'
+  },
+  {
+    certNo: 'MF-5006',
+    instrumentType: 'MUTUAL_FUND',
+    scriptCode: 'SBI-BPSU',
+    scriptName: 'SBI Banking & PSU Fund',
+    party: 'SBI Mutual Fund',
+    subType: 'DEBT - BANKING & PSU',
+    faceValue: 700000,
+    purchaseRate: 18.6,
+    units: 37634.4,
+    purchaseDate: '10-09-2025',
+    maturityDate: '10-09-2026',
+    interestRate: 7.1,
+    interestFreq: 'CUMULATIVE',
+    glCode: '310050',
+    glName: 'INVESTMENT IN MUTUAL FUNDS',
+    crToAc: '310070',
+    brokerCode: '',
+    status: 'ACTIVE'
+  },
+  {
+    certNo: 'MF-5007',
+    instrumentType: 'MUTUAL_FUND',
+    scriptCode: 'ICICI-CB',
+    scriptName: 'ICICI Pru Corporate Bond Fund',
+    party: 'ICICI Prudential Mutual Fund',
+    subType: 'DEBT - CORPORATE BOND',
+    faceValue: 1100000,
+    purchaseRate: 24.8,
+    units: 44354.84,
+    purchaseDate: '14-07-2026',
+    maturityDate: '14-07-2027',
+    interestRate: 7.05,
+    interestFreq: 'CUMULATIVE',
+    glCode: '310050',
+    glName: 'INVESTMENT IN MUTUAL FUNDS',
+    crToAc: '310070',
+    brokerCode: '',
+    status: 'ACTIVE'
   }
 ];
 
@@ -824,6 +1199,46 @@ export const SHARE_HOLDINGS: InvestmentHolding[] = [
     crToAc: '310070',
     brokerCode: '',
     status: 'ACTIVE'
+  },
+  {
+    certNo: 'SH-6006',
+    instrumentType: 'SHARE',
+    scriptCode: 'ICICIBANK',
+    scriptName: 'ICICI Bank Ltd',
+    party: 'NSE/BSE',
+    subType: 'EQUITY',
+    faceValue: 420000,
+    purchaseRate: 1050,
+    units: 400,
+    purchaseDate: '05-03-2026',
+    maturityDate: '05-03-2036',
+    interestRate: 2.0,
+    interestFreq: 'YEARLY',
+    glCode: '310060',
+    glName: 'INVESTMENT IN SHARES',
+    crToAc: '310070',
+    brokerCode: 'BRK-007',
+    status: 'ACTIVE'
+  },
+  {
+    certNo: 'SH-6007',
+    instrumentType: 'SHARE',
+    scriptCode: 'PDCC',
+    scriptName: 'Pune District Central Coop Bank Shares',
+    party: 'Pune District Central Cooperative Bank',
+    subType: 'CO-OP SHARE',
+    faceValue: 60000,
+    purchaseRate: 50,
+    units: 1200,
+    purchaseDate: '18-07-2025',
+    maturityDate: '18-07-2035',
+    interestRate: 5.0,
+    interestFreq: 'YEARLY',
+    glCode: '310060',
+    glName: 'INVESTMENT IN SHARES',
+    crToAc: '310070',
+    brokerCode: '',
+    status: 'ACTIVE'
   }
 ];
 
@@ -952,6 +1367,43 @@ export const ALL_TXNS: InvestmentTxn[] = [
 
 // -------------------- Masters --------------------
 
+export interface InvestmentGlOption {
+  glCode: string;
+  glName: string;
+}
+
+/** Interest Income (Cr) GL per instrument type — the GL an Interest Calculation & Post run
+ *  credits. Selectable on the FD/Govt./Bond Interest Calculation screens instead of being
+ *  hard-wired, so a period's posting can be routed to a different income head when needed. */
+export const INTEREST_INCOME_GL_MASTER: InvestmentGlOption[] = [
+  { glCode: '410010', glName: 'INTEREST ON GOVT. SECURITIES' },
+  { glCode: '410020', glName: 'INTEREST ON NON SLR SECURITIES' },
+  { glCode: '410030', glName: 'INTEREST ON CORPORATE BONDS' },
+  { glCode: '410040', glName: 'INTEREST ON FIXED DEPOSITS' },
+  { glCode: '410050', glName: 'INCOME FROM MUTUAL FUNDS' },
+  { glCode: '410060', glName: 'DIVIDEND ON SHARES' }
+];
+
+/** Default Interest Income GL suggested per instrument type — pre-fills the selector above,
+ *  which the user can still override before posting. */
+export const INTEREST_INCOME_GL_BY_TYPE: Record<InstrumentType, string> = {
+  GOVT_SECURITY: '410010',
+  NON_SLR: '410020',
+  BOND: '410030',
+  FD: '410040',
+  MUTUAL_FUND: '410050',
+  SHARE: '410060'
+};
+
+/** Cash/Bank (Dr) GL credited when an Interest Receive entry is booked — the account the cash
+ *  actually lands in. Selectable on the Interest Receive screen. */
+export const CASH_BANK_GL_MASTER: InvestmentGlOption[] = [
+  { glCode: '100010', glName: 'CASH IN HAND' },
+  { glCode: '110010', glName: 'RBI CURRENT ACCOUNT' },
+  { glCode: '110020', glName: 'SBI CURRENT ACCOUNT' },
+  { glCode: '110030', glName: 'HDFC BANK CURRENT ACCOUNT' }
+];
+
 export interface ScriptMaster {
   scriptCode: string;
   scriptName: string;

src/app/investment/investment-export.ts

@@ -0,0 +1,89 @@
+/**
+ * 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/.
+ */
+
+// Shared "Export to Excel" builder for every listing/report screen in the Investment module
+// (Dashboard, Reports, Interest, Holdings, Masters) — centralised so the ExcelJS boilerplate
+// (title/meta/header rows, number formatting, safe sheet names, Blob download) is written once
+// and every screen's export always behaves and looks the same.
+
+import * as ExcelJS from 'exceljs';
+
+export interface ExportSheetSpec {
+  /** Worksheet tab name — sanitised for Excel's forbidden characters (\ / ? * [ ]) and length. */
+  sheetName: string;
+  /** Bold title row, merged across all columns. */
+  title: string;
+  /** Optional italic subtitle row (e.g. scope/date), merged across all columns. */
+  subtitle?: string;
+  headers: string[];
+  rows: (string | number | null)[][];
+  widths?: number[];
+}
+
+/** Excel worksheet names can't contain \ / ? * [ ] or exceed 31 chars. */
+function safeSheetName(name: string): string {
+  return name.replace(/[\\/?*[\]]/g, '-').slice(0, 31);
+}
+
+function buildSheet(wb: ExcelJS.Workbook, spec: ExportSheetSpec): void {
+  const sheet = wb.addWorksheet(safeSheetName(spec.sheetName));
+  sheet.columns = (spec.widths || spec.headers.map(() => 18)).map((w) => ({ width: w }));
+
+  const title = sheet.addRow([spec.title]);
+  sheet.mergeCells(title.number, 1, title.number, spec.headers.length);
+  title.font = { bold: true, size: 14, color: { argb: 'FFFFFFFF' } };
+  title.alignment = { horizontal: 'center', vertical: 'middle' };
+  title.height = 24;
+  title.getCell(1).fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FF0F4F3C' } };
+
+  if (spec.subtitle) {
+    const meta = sheet.addRow([spec.subtitle]);
+    sheet.mergeCells(meta.number, 1, meta.number, spec.headers.length);
+    meta.font = { italic: true, size: 10 };
+  }
+  sheet.addRow([]);
+
+  const head = sheet.addRow(spec.headers);
+  head.font = { bold: true };
+  head.alignment = { wrapText: true, horizontal: 'center' };
+  head.eachCell((c) => {
+    c.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FFE2E8F0' } };
+    c.border = { bottom: { style: 'thin' } };
+  });
+
+  for (const r of spec.rows) {
+    const row = sheet.addRow(r);
+    r.forEach((v, idx) => {
+      if (typeof v === 'number') {
+        row.getCell(idx + 1).numFmt = '#,##0.00';
+      }
+    });
+  }
+  sheet.views = [{ state: 'frozen', ySplit: spec.subtitle ? 4 : 3 }];
+}
+
+/** Builds a (possibly multi-sheet) workbook and triggers a browser download. */
+export async function exportWorkbook(sheets: ExportSheetSpec[], fileName: string): Promise<void> {
+  const wb = new ExcelJS.Workbook();
+  wb.creator = 'CBSNexora';
+  wb.created = new Date();
+  sheets.forEach((s) => buildSheet(wb, s));
+
+  const buffer = await wb.xlsx.writeBuffer();
+  const blob = new Blob([buffer], {
+    type: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet'
+  });
+  const url = URL.createObjectURL(blob);
+  const a = document.createElement('a');
+  a.href = url;
+  a.download = `${fileName.replace(/[^\w]+/g, '-')}.xlsx`;
+  document.body.appendChild(a);
+  a.click();
+  document.body.removeChild(a);
+  URL.revokeObjectURL(url);
+}

src/app/investment/investment-interest/investment-interest.component.html

@@ -12,20 +12,33 @@
       <div class="pg-eyebrow">TREASURY · INVESTMENT · INTEREST</div>
       <h1 class="pg-title">Investment Interest</h1>
       <p class="pg-sub">
-        FD and Govt./Bond interest calculation batch runs, plus the Government Bond Interest, FD Interest and FD
+        Interest Receivable, FD and Govt./Bond interest calculation-and-post batch runs, Interest Receive, plus the
-        registers.
+        Government Bond Interest, FD Interest and FD registers.
       </p>
     </div>
+    <div class="pg-toolbar">
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
+    </div>
   </header>
 
   <div class="cctr-tabs">
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeTab === 'receivable'"
+      (click)="setTab('receivable')"
+    >
+      Interest Receivable
+    </button>
     <button
       type="button"
       class="pg-btn pg-btn--ghost"
       [class.pg-btn--active]="activeTab === 'fdCalc'"
       (click)="setTab('fdCalc')"
     >
-      01 FD Interest Calculation
+      01 FD Interest Calculation &amp; Post
     </button>
     <button
       type="button"
@@ -33,7 +46,15 @@
       [class.pg-btn--active]="activeTab === 'bondCalc'"
       (click)="setTab('bondCalc')"
     >
-      02 Govt./Bond Int. Calculation
+      02 Govt./Bond Int. Calculation &amp; Post
+    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeTab === 'receive'"
+      (click)="setTab('receive')"
+    >
+      Interest Receive
     </button>
     <button
       type="button"
@@ -61,14 +82,113 @@
     </button>
   </div>
 
+  <!-- INTEREST RECEIVABLE -->
+  @if (activeTab === 'receivable') {
+    <div class="pg-card">
+      <div class="pos-section-label">
+        Interest Receivable — Posted but Not Yet Collected (₹{{ totalReceivable | number: '1.2-2' }})
+      </div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Cert No</th>
+            <th>Script / Party</th>
+            <th>Type</th>
+            <th>Status</th>
+            <th class="num">Interest Posted</th>
+            <th class="num">Interest Received</th>
+            <th class="num col-in">Receivable Balance</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (h of receivableRows; track h.certNo) {
+            <tr>
+              <td>
+                <span class="pg-chip">{{ h.certNo }}</span>
+              </td>
+              <td>{{ h.scriptName || h.party }}</td>
+              <td>{{ instrumentLabel(h.instrumentType) }}</td>
+              <td>
+                <span [class]="provisionBadgeClass(h)">{{ provisionLabel(h) }}</span>
+              </td>
+              <td class="num">₹{{ posted(h) | number: '1.2-2' }}</td>
+              <td class="num">₹{{ received(h) | number: '1.2-2' }}</td>
+              <td class="num col-in">₹{{ receivableBalance(h) | number: '1.2-2' }}</td>
+            </tr>
+          } @empty {
+            <tr>
+              <td colspan="7" class="pg-empty">No outstanding interest receivable.</td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr class="cctr-total-row">
+            <td colspan="6">Total Receivable</td>
+            <td class="num">₹{{ totalReceivable | number: '1.2-2' }}</td>
+          </tr>
+        </tfoot>
+      </table>
+    </div>
+
+    @if (suspenseRows.length > 0) {
+      <div class="pg-card">
+        <div class="pos-section-label">
+          Non-Performing Investments — Interest Held in Suspense (₹{{ totalSuspense | number: '1.2-2' }})
+        </div>
+        <p class="pg-sub" style="padding: 0 16px">
+          These holdings are classified Non-Performing (Sub-Standard/Doubtful/Loss). Per RBI income-recognition norms,
+          interest is not posted as an accrual receivable — it accrues in memo only, and is recognised as income solely
+          on actual cash receipt via the Interest Receive tab.
+        </p>
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Cert No</th>
+              <th>Script / Party</th>
+              <th>Type</th>
+              <th>Status</th>
+              <th class="num">Provision Required</th>
+              <th class="num col-out">Interest in Suspense</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (h of suspenseRows; track h.certNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ h.certNo }}</span>
+                </td>
+                <td>{{ h.scriptName || h.party }}</td>
+                <td>{{ instrumentLabel(h.instrumentType) }}</td>
+                <td>
+                  <span [class]="provisionBadgeClass(h)">{{ provisionLabel(h) }}</span>
+                </td>
+                <td class="num">₹{{ provisionRequired(h) | number: '1.2-2' }}</td>
+                <td class="num col-out">₹{{ suspense(h) | number: '1.2-2' }}</td>
+              </tr>
+            }
+          </tbody>
+          <tfoot>
+            <tr class="cctr-total-row">
+              <td colspan="5">Total Suspense</td>
+              <td class="num">₹{{ totalSuspense | number: '1.2-2' }}</td>
+            </tr>
+          </tfoot>
+        </table>
+      </div>
+    }
+  }
+
   <!-- 01 FD INTEREST CALCULATION -->
   @if (activeTab === 'fdCalc') {
     <div class="pg-card">
-      <div class="pos-section-label">Investment - FD Interest Calculation</div>
+      <div class="pos-section-label">Investment - FD Interest Calculation &amp; Post</div>
       <div class="inv-form-grid">
         <label class="inv-form-field"
-          ><span>Date</span><input type="text" [(ngModel)]="fdCalcDate" placeholder="DD-MM-YYYY"
+          ><span>From Date</span><mifosx-date-ddmmyyyy [(ngModel)]="fdCalcFromDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
+        <label class="inv-form-field"
+          ><span>To Date</span><mifosx-date-ddmmyyyy [(ngModel)]="fdCalcToDate"></mifosx-date-ddmmyyyy
+        ></label>
         <label class="inv-form-field">
           <span>Certificate No</span>
           <select [(ngModel)]="fdCalcCertNo">
@@ -81,13 +201,21 @@
         <label class="inv-form-field"
           ><span>ALL</span><input type="checkbox" [(ngModel)]="fdCalcAll" style="height: 18px; width: 18px"
         /></label>
+        <label class="inv-form-field">
+          <span>Post To (Interest Income GL)</span>
+          <select [(ngModel)]="fdCalcGlCode">
+            @for (g of interestIncomeGlOptions; track g.glCode) {
+              <option [value]="g.glCode">{{ g.glCode }} — {{ g.glName }}</option>
+            }
+          </select>
+        </label>
         <label class="inv-form-field"
           ><span>Total Interest to Post</span
           ><input type="text" [value]="'₹' + (fdCalcTotal | number: '1.2-2')" readonly
         /></label>
       </div>
       <div class="inv-form-actions">
-        <button type="button" class="pg-btn pg-btn--primary" (click)="processFdInterest()">Process</button>
+        <button type="button" class="pg-btn pg-btn--primary" (click)="processFdInterest()">Calculate &amp; Post</button>
       </div>
       <table class="pg-table">
         <thead>
@@ -125,20 +253,29 @@
           </tr>
         </tfoot>
       </table>
+      @if (fdCalcExcludedNpi.length > 0) {
+        <p class="pg-sub" style="padding: 12px 16px 16px">
+          {{ fdCalcExcludedNpi.length }} certificate(s) excluded — classified Non-Performing, interest is not posted on
+          accrual basis (see Interest Receivable tab for suspense amount).
+        </p>
+      }
     </div>
   }
 
   <!-- 02 GOVT./BOND INT. CALCULATION -->
   @if (activeTab === 'bondCalc') {
     <div class="pg-card">
-      <div class="pos-section-label">Investment - Govt./Bond Interest Calculation</div>
+      <div class="pos-section-label">Investment - Govt./Bond Interest Calculation &amp; Post</div>
       <div class="inv-form-grid">
         <label class="inv-form-field"
-          ><span>Date</span><input type="text" [(ngModel)]="bondCalcDate" placeholder="DD-MM-YYYY"
+          ><span>From Date</span><mifosx-date-ddmmyyyy [(ngModel)]="bondCalcFromDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
+        <label class="inv-form-field"
+          ><span>To Date</span><mifosx-date-ddmmyyyy [(ngModel)]="bondCalcToDate"></mifosx-date-ddmmyyyy
+        ></label>
         <label class="inv-form-field">
           <span>Type</span>
-          <select [(ngModel)]="bondCalcType">
+          <select [(ngModel)]="bondCalcType" (ngModelChange)="onBondCalcTypeChange()">
             <option value="">-- All Types --</option>
             <option value="GOVT_SECURITY">GOVT SECURITY</option>
             <option value="NON_SLR">NON SLR</option>
@@ -158,13 +295,23 @@
         <label class="inv-form-field"
           ><span>ALL</span><input type="checkbox" [(ngModel)]="bondCalcAll" style="height: 18px; width: 18px"
         /></label>
+        <label class="inv-form-field">
+          <span>Post To (Interest Income GL)</span>
+          <select [(ngModel)]="bondCalcGlCode">
+            @for (g of interestIncomeGlOptions; track g.glCode) {
+              <option [value]="g.glCode">{{ g.glCode }} — {{ g.glName }}</option>
+            }
+          </select>
+        </label>
         <label class="inv-form-field"
           ><span>Total Interest to Post</span
           ><input type="text" [value]="'₹' + (bondCalcTotal | number: '1.2-2')" readonly
         /></label>
       </div>
       <div class="inv-form-actions">
-        <button type="button" class="pg-btn pg-btn--primary" (click)="processBondInterest()">Process</button>
+        <button type="button" class="pg-btn pg-btn--primary" (click)="processBondInterest()">
+          Calculate &amp; Post
+        </button>
       </div>
       <table class="pg-table">
         <thead>
@@ -204,6 +351,112 @@
           </tr>
         </tfoot>
       </table>
+      @if (bondCalcExcludedNpi.length > 0) {
+        <p class="pg-sub" style="padding: 12px 16px 16px">
+          {{ bondCalcExcludedNpi.length }} holding(s) excluded — classified Non-Performing, interest is not posted on
+          accrual basis (see Interest Receivable tab for suspense amount).
+        </p>
+      }
+    </div>
+  }
+
+  <!-- INTEREST RECEIVE -->
+  @if (activeTab === 'receive') {
+    <div class="pg-card">
+      <div class="pos-section-label">Interest Receive — Record Actual Cash Receipt</div>
+      <div class="inv-form-grid">
+        <label class="inv-form-field">
+          <span>Receive Into (Cash/Bank GL)</span>
+          <select [(ngModel)]="receiveGlCode">
+            @for (g of cashBankGlOptions; track g.glCode) {
+              <option [value]="g.glCode">{{ g.glCode }} — {{ g.glName }}</option>
+            }
+          </select>
+        </label>
+      </div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Cert No</th>
+            <th>Script / Party</th>
+            <th>Type</th>
+            <th>Status</th>
+            <th class="num">Outstanding</th>
+            <th class="num">Amount to Receive</th>
+            <th></th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (h of receiveTargets; track h.certNo) {
+            <tr>
+              <td>
+                <span class="pg-chip">{{ h.certNo }}</span>
+              </td>
+              <td>{{ h.scriptName || h.party }}</td>
+              <td>{{ instrumentLabel(h.instrumentType) }}</td>
+              <td>
+                <span [class]="provisionBadgeClass(h)">{{ provisionLabel(h) }}</span>
+              </td>
+              <td class="num">₹{{ outstandingFor(h) | number: '1.2-2' }}</td>
+              <td class="num">
+                <input
+                  type="number"
+                  [(ngModel)]="receiveDrafts[h.certNo]"
+                  [max]="outstandingFor(h)"
+                  style="width: 120px; text-align: right"
+                />
+              </td>
+              <td>
+                <button type="button" class="pg-btn pg-btn--ghost" (click)="receiveInterest(h)">Receive</button>
+              </td>
+            </tr>
+          } @empty {
+            <tr>
+              <td colspan="7" class="pg-empty">No interest outstanding for collection.</td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Interest Received Log</div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Date</th>
+            <th>Voucher No</th>
+            <th>Cert No</th>
+            <th>Particulars</th>
+            <th>GL Credited</th>
+            <th class="num col-in">Amount Received</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (t of receivedLog; track t.voucherNo) {
+            <tr>
+              <td>{{ t.txnDate }}</td>
+              <td>
+                <span class="pg-chip">{{ t.voucherNo }}</span>
+              </td>
+              <td>{{ t.certNo }}</td>
+              <td>{{ t.particulars }}</td>
+              <td>{{ t.glCode ? t.glCode + ' — ' + t.glName : '—' }}</td>
+              <td class="num col-in">₹{{ t.amount | number: '1.2-2' }}</td>
+            </tr>
+          } @empty {
+            <tr>
+              <td colspan="6" class="pg-empty">No interest received yet.</td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr class="cctr-total-row">
+            <td colspan="5">Total Received</td>
+            <td class="num">₹{{ receivedLogTotal | number: '1.2-2' }}</td>
+          </tr>
+        </tfoot>
+      </table>
     </div>
   }
 
@@ -219,6 +472,7 @@
             <th>Cert No</th>
             <th>Instrument</th>
             <th>Particulars</th>
+            <th>GL Posted</th>
             <th class="num col-in">Interest Amount</th>
           </tr>
         </thead>
@@ -232,17 +486,18 @@
               <td>{{ t.certNo }}</td>
               <td>{{ instrumentLabel(t.instrumentType) }}</td>
               <td>{{ t.particulars }}</td>
+              <td>{{ t.glCode ? t.glCode + ' — ' + t.glName : '—' }}</td>
               <td class="num col-in">₹{{ t.amount | number: '1.2-2' }}</td>
             </tr>
           } @empty {
             <tr>
-              <td colspan="6" class="pg-empty">No bond interest entries recorded yet.</td>
+              <td colspan="7" class="pg-empty">No bond interest entries recorded yet.</td>
             </tr>
           }
         </tbody>
         <tfoot>
           <tr class="cctr-total-row">
-            <td colspan="5">Total</td>
+            <td colspan="6">Total</td>
             <td class="num">₹{{ bondIntRegisterTotal | number: '1.2-2' }}</td>
           </tr>
         </tfoot>
@@ -261,6 +516,7 @@
             <th>Voucher No</th>
             <th>Cert No</th>
             <th>Particulars</th>
+            <th>GL Posted</th>
             <th class="num col-in">Interest Amount</th>
           </tr>
         </thead>
@@ -273,17 +529,18 @@
               </td>
               <td>{{ t.certNo }}</td>
               <td>{{ t.particulars }}</td>
+              <td>{{ t.glCode ? t.glCode + ' — ' + t.glName : '—' }}</td>
               <td class="num col-in">₹{{ t.amount | number: '1.2-2' }}</td>
             </tr>
           } @empty {
             <tr>
-              <td colspan="5" class="pg-empty">No FD interest entries recorded yet.</td>
+              <td colspan="6" class="pg-empty">No FD interest entries recorded yet.</td>
             </tr>
           }
         </tbody>
         <tfoot>
           <tr class="cctr-total-row">
-            <td colspan="4">Total</td>
+            <td colspan="5">Total</td>
             <td class="num">₹{{ fdIntRegisterTotal | number: '1.2-2' }}</td>
           </tr>
         </tfoot>

src/app/investment/investment-interest/investment-interest.component.ts

@@ -9,6 +9,7 @@
 import { Component } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
+import { DateDdmmyyyyPickerComponent } from '../date-ddmmyyyy-picker/date-ddmmyyyy-picker.component';
 import {
   FD_HOLDINGS,
   GOVT_SECURITY_HOLDINGS,
@@ -16,25 +17,50 @@ import {
   BOND_HOLDINGS,
   ALL_TXNS,
   SCRIPT_MASTER,
+  INTEREST_INCOME_GL_MASTER,
+  INTEREST_INCOME_GL_BY_TYPE,
+  CASH_BANK_GL_MASTER,
   InvestmentHolding,
   InvestmentTxn,
   InstrumentType,
+  InvestmentProvisionStatus,
   INSTRUMENT_LABELS,
+  PROVISION_STATUS_LABELS,
   accruedInterest,
+  accruedInterestBetween,
+  addPeriod,
   daysToMaturity,
   maturityAmount,
-  todayDDMMYYYY
+  todayDDMMYYYY,
+  isNpi,
+  canAccrueInterest,
+  interestReceivableBalance,
+  suspenseInterest,
+  provisionRequiredInv
 } from '../investment-data';
+import { exportWorkbook, ExportSheetSpec } from '../investment-export';
 
-type InterestTab = 'fdCalc' | 'bondCalc' | 'bondIntRegister' | 'fdIntRegister' | 'fdRegister';
+type InterestTab =
+  | 'receivable'
+  | 'fdCalc'
+  | 'bondCalc'
+  | 'receive'
+  | 'bondIntRegister'
+  | 'fdIntRegister'
+  | 'fdRegister';
 
 /**
- * The legacy "Interest" top-menu for Investment — 5 screens:
+ * The legacy "Interest" top-menu for Investment — plus the full accrual lifecycle: Interest
- *   01 FD Interest Calculation, 02 Govt./Bond Int. Calculation (both batch "Process" runs),
+ * Receivable, 01 FD Interest Calculation, 02 Govt./Bond Int. Calculation, Interest Receive,
- *   03 Government Bond Int Register, 04 FD Interest Register, 05 FD Register (listings).
+ * 03 Government Bond Int Register, 04 FD Interest Register, 05 FD Register.
  *
  * Interest figures are derived from the same holdings used by the Entry screens and Reports,
  * so a register here always agrees with what a Purchase/Interest entry recorded.
+ *
+ * Provisioning: a holding classified Non-Performing (Sub-Standard/Doubtful/Loss) can never have
+ * interest calculated/posted on accrual basis (canAccrueInterest() blocks it) — only actual cash
+ * receipts are recognised for it, straight through Interest Receive, matching RBI's income
+ * recognition norms for Non-Performing Investments.
  */
 @Component({
   selector: 'mifosx-investment-interest',
@@ -46,11 +72,12 @@ type InterestTab = 'fdCalc' | 'bondCalc' | 'bondIntRegister' | 'fdIntRegister' |
   standalone: true,
   imports: [
     CommonModule,
-    FormsModule
+    FormsModule,
+    DateDdmmyyyyPickerComponent
   ]
 })
 export class InvestmentInterestComponent {
-  activeTab: InterestTab = 'fdCalc';
+  activeTab: InterestTab = 'receivable';
   asOnDate = todayDDMMYYYY();
 
   fdHoldings: InvestmentHolding[] = [...FD_HOLDINGS];
@@ -62,22 +89,35 @@ export class InvestmentInterestComponent {
   txns: InvestmentTxn[] = [...ALL_TXNS];
 
   readonly scriptOptions = SCRIPT_MASTER;
+  readonly interestIncomeGlOptions = INTEREST_INCOME_GL_MASTER;
+  readonly cashBankGlOptions = CASH_BANK_GL_MASTER;
 
+  /** Draft "amount to receive" per certificate, keyed by certNo, for the Interest Receive tab. */
+  receiveDrafts: Record<string, number | null> = {};
+
+  generating = false;
   toastMsg = '';
   toastVisible = false;
   private toastTimer: ReturnType<typeof setTimeout> | undefined;
 
-  // 01 FD Interest Calculation
+  // 01 FD Interest Calculation — posts interest accrued strictly within [fromDate, toDate]
-  fdCalcDate = this.asOnDate;
+  fdCalcFromDate = addPeriod(this.asOnDate, 0, -3);
+  fdCalcToDate = this.asOnDate;
   fdCalcCertNo = '';
   fdCalcAll = false;
+  fdCalcGlCode = INTEREST_INCOME_GL_BY_TYPE.FD;
 
-  // 02 Govt./Bond Int. Calculation
+  // 02 Govt./Bond Int. Calculation — posts interest accrued strictly within [fromDate, toDate]
-  bondCalcDate = this.asOnDate;
+  bondCalcFromDate = addPeriod(this.asOnDate, 0, -3);
+  bondCalcToDate = this.asOnDate;
   bondCalcType: InstrumentType | '' = '';
   bondCalcScript = '';
   bondCalcDealNo = '';
   bondCalcAll = false;
+  bondCalcGlCode = INTEREST_INCOME_GL_BY_TYPE.GOVT_SECURITY;
+
+  // Interest Receive — Cash/Bank GL credited for the day's collection voucher
+  receiveGlCode = CASH_BANK_GL_MASTER[0].glCode;
 
   // Register filters
   registerFromDate = '';
@@ -103,55 +143,121 @@ export class InvestmentInterestComponent {
     return daysToMaturity(h, this.asOnDate);
   }
 
+  get allInterestHoldings(): InvestmentHolding[] {
+    return [
+      ...this.fdHoldings,
+      ...this.bondHoldings
+    ].filter((h) => h.status === 'ACTIVE');
+  }
+
+  isNpiHolding(h: InvestmentHolding): boolean {
+    return isNpi(h);
+  }
+
+  provisionLabel(h: InvestmentHolding): string {
+    return PROVISION_STATUS_LABELS[h.provisionStatus ?? 'STANDARD'];
+  }
+
+  provisionBadgeClass(h: InvestmentHolding): string {
+    const status: InvestmentProvisionStatus = h.provisionStatus ?? 'STANDARD';
+    return `inv-badge inv-badge--${status.toLowerCase()}`;
+  }
+
+  posted(h: InvestmentHolding): number {
+    return h.interestPosted ?? 0;
+  }
+
+  received(h: InvestmentHolding): number {
+    return h.interestReceived ?? 0;
+  }
+
+  receivableBalance(h: InvestmentHolding): number {
+    return interestReceivableBalance(h);
+  }
+
+  suspense(h: InvestmentHolding): number {
+    return suspenseInterest(h, this.asOnDate);
+  }
+
+  provisionRequired(h: InvestmentHolding): number {
+    return provisionRequiredInv(h);
+  }
+
   // -------------------- 01 FD Interest Calculation --------------------
   get fdCalcTargets(): InvestmentHolding[] {
+    const base = this.fdHoldings.filter((h) => h.status === 'ACTIVE' && canAccrueInterest(h));
     if (this.fdCalcAll) {
-      return this.fdHoldings.filter((h) => h.status === 'ACTIVE');
+      return base;
     }
-    return this.fdHoldings.filter(
+    return base.filter((h) => !this.fdCalcCertNo || h.certNo === this.fdCalcCertNo);
-      (h) => h.status === 'ACTIVE' && (!this.fdCalcCertNo || h.certNo === this.fdCalcCertNo)
+  }
-    );
+
+  /** NPI FD certificates excluded from calculation/posting — interest recognised on cash basis
+   *  only, via the Interest Receive tab. */
+  get fdCalcExcludedNpi(): InvestmentHolding[] {
+    return this.fdHoldings.filter((h) => h.status === 'ACTIVE' && isNpi(h));
   }
 
   fdInterest(h: InvestmentHolding): number {
-    return accruedInterest(h, this.fdCalcDate || this.asOnDate);
+    return accruedInterestBetween(h, this.fdCalcFromDate || h.purchaseDate, this.fdCalcToDate || this.asOnDate);
   }
 
   get fdCalcTotal(): number {
     return this.fdCalcTargets.reduce((s, h) => s + this.fdInterest(h), 0);
   }
 
+  glName(glCode: string): string {
+    return (
+      this.interestIncomeGlOptions.find((g) => g.glCode === glCode)?.glName ??
+      this.cashBankGlOptions.find((g) => g.glCode === glCode)?.glName ??
+      glCode
+    );
+  }
+
   processFdInterest(): void {
-    const targets = this.fdCalcTargets;
+    const targets = this.fdCalcTargets.filter((h) => this.fdInterest(h) > 0);
     if (targets.length === 0) {
-      this.toast('No FD holdings match the selected filters.');
+      this.toast('No FD holdings have interest due to be posted for this period.');
       return;
     }
-    const newTxns: InvestmentTxn[] = targets.map((h, i) => ({
+    const toDate = this.fdCalcToDate || this.asOnDate;
-      certNo: h.certNo,
+    const fromDate = this.fdCalcFromDate || toDate;
-      instrumentType: 'FD',
+    const glCode = this.fdCalcGlCode;
-      txnType: 'INTEREST',
+    const glName = this.glName(glCode);
-      voucherNo: `INV/FD-INT/${(this.fdCalcDate || this.asOnDate).replace(/-/g, '')}-${i + 1}`,
+    const newTxns: InvestmentTxn[] = targets.map((h, i) => {
-      txnDate: this.fdCalcDate || this.asOnDate,
+      const amt = this.fdInterest(h);
-      amount: this.fdInterest(h),
+      h.interestPosted = this.posted(h) + amt;
-      particulars: `FD interest calculated - ${h.party}`
+      h.interestPostedTillDate = toDate;
-    }));
+      return {
+        certNo: h.certNo,
+        instrumentType: 'FD',
+        txnType: 'INTEREST',
+        voucherNo: `INV/FD-INT/${toDate.replace(/-/g, '')}-${i + 1}`,
+        txnDate: toDate,
+        amount: amt,
+        particulars: `FD interest posted (accrual) for period ${fromDate} to ${toDate} - ${h.party}`,
+        glCode,
+        glName
+      };
+    });
+    this.fdCalcFromDate = toDate;
+    const total = newTxns.reduce((s, t) => s + t.amount, 0);
     this.txns = [
       ...newTxns,
       ...this.txns
     ];
     this.toast(
-      `FD interest processed for ${targets.length} certificate(s). Total ₹${this.fdCalcTotal.toLocaleString('en-IN')}.`
+      `FD interest posted for ${targets.length} certificate(s) to ${glCode} - ${glName}. Total ₹${total.toLocaleString('en-IN')}.`
     );
   }
 
   // -------------------- 02 Govt./Bond Int. Calculation --------------------
   get bondCalcTargets(): InvestmentHolding[] {
+    const base = this.bondHoldings.filter((h) => h.status === 'ACTIVE' && canAccrueInterest(h));
     if (this.bondCalcAll) {
-      return this.bondHoldings.filter((h) => h.status === 'ACTIVE');
+      return base;
     }
-    return this.bondHoldings.filter((h) => {
+    return base.filter((h) => {
-      if (h.status !== 'ACTIVE') return false;
       if (this.bondCalcType && h.instrumentType !== this.bondCalcType) return false;
       if (this.bondCalcScript && h.scriptCode !== this.bondCalcScript) return false;
       if (this.bondCalcDealNo && h.certNo !== this.bondCalcDealNo.trim()) return false;
@@ -159,38 +265,142 @@ export class InvestmentInterestComponent {
     });
   }
 
+  /** NPI Govt/Bond holdings excluded from calculation/posting — interest recognised on cash
+   *  basis only, via the Interest Receive tab. */
+  get bondCalcExcludedNpi(): InvestmentHolding[] {
+    return this.bondHoldings.filter((h) => h.status === 'ACTIVE' && isNpi(h));
+  }
+
   bondInterest(h: InvestmentHolding): number {
-    return accruedInterest(h, this.bondCalcDate || this.asOnDate);
+    return accruedInterestBetween(h, this.bondCalcFromDate || h.purchaseDate, this.bondCalcToDate || this.asOnDate);
   }
 
   get bondCalcTotal(): number {
     return this.bondCalcTargets.reduce((s, h) => s + this.bondInterest(h), 0);
   }
 
+  /** Re-suggests the Interest Income GL when the Type filter changes — still overridable. */
+  onBondCalcTypeChange(): void {
+    if (this.bondCalcType) {
+      this.bondCalcGlCode = INTEREST_INCOME_GL_BY_TYPE[this.bondCalcType];
+    }
+  }
+
   processBondInterest(): void {
-    const targets = this.bondCalcTargets;
+    const targets = this.bondCalcTargets.filter((h) => this.bondInterest(h) > 0);
     if (targets.length === 0) {
-      this.toast('No Govt/Bond holdings match the selected filters.');
+      this.toast('No Govt/Bond holdings have interest due to be posted for this period.');
       return;
     }
-    const newTxns: InvestmentTxn[] = targets.map((h, i) => ({
+    const toDate = this.bondCalcToDate || this.asOnDate;
-      certNo: h.certNo,
+    const fromDate = this.bondCalcFromDate || toDate;
-      instrumentType: h.instrumentType,
+    const glCode = this.bondCalcGlCode;
-      txnType: 'INTEREST',
+    const glName = this.glName(glCode);
-      voucherNo: `INV/BOND-INT/${(this.bondCalcDate || this.asOnDate).replace(/-/g, '')}-${i + 1}`,
+    const newTxns: InvestmentTxn[] = targets.map((h, i) => {
-      txnDate: this.bondCalcDate || this.asOnDate,
+      const amt = this.bondInterest(h);
-      amount: this.bondInterest(h),
+      h.interestPosted = this.posted(h) + amt;
-      particulars: `Coupon/interest calculated - ${h.scriptName}`
+      h.interestPostedTillDate = toDate;
-    }));
+      return {
+        certNo: h.certNo,
+        instrumentType: h.instrumentType,
+        txnType: 'INTEREST',
+        voucherNo: `INV/BOND-INT/${toDate.replace(/-/g, '')}-${i + 1}`,
+        txnDate: toDate,
+        amount: amt,
+        particulars: `Coupon/interest posted (accrual) for period ${fromDate} to ${toDate} - ${h.scriptName}`,
+        glCode,
+        glName
+      };
+    });
+    const total = newTxns.reduce((s, t) => s + t.amount, 0);
     this.txns = [
       ...newTxns,
       ...this.txns
     ];
+    this.bondCalcFromDate = toDate;
     this.toast(
-      `Interest processed for ${targets.length} holding(s). Total ₹${this.bondCalcTotal.toLocaleString('en-IN')}.`
+      `Interest posted for ${targets.length} holding(s) to ${glCode} - ${glName}. Total ₹${total.toLocaleString('en-IN')}.`
     );
   }
 
+  // -------------------- Interest Receivable (all interest-bearing types) --------------------
+  /** Standard holdings with a posted-but-uncollected balance — a genuine "Interest Receivable"
+   *  GL asset. */
+  get receivableRows(): InvestmentHolding[] {
+    return this.allInterestHoldings.filter((h) => canAccrueInterest(h) && this.receivableBalance(h) > 0);
+  }
+
+  /** NPI holdings with interest still accruing in memo/suspense — not a GL asset, shown
+   *  separately so the treasury desk can see what cash-basis income is outstanding. */
+  get suspenseRows(): InvestmentHolding[] {
+    return this.allInterestHoldings.filter((h) => isNpi(h) && this.suspense(h) > 0);
+  }
+
+  get totalReceivable(): number {
+    return this.receivableRows.reduce((s, h) => s + this.receivableBalance(h), 0);
+  }
+
+  get totalSuspense(): number {
+    return this.suspenseRows.reduce((s, h) => s + this.suspense(h), 0);
+  }
+
+  // -------------------- Interest Receive (cash receipt, all interest-bearing types) --------------------
+  /** Everything with money outstanding to collect — Standard holdings against their posted
+   *  receivable, and NPI holdings against their notional suspense (cash-basis recognition). */
+  get receiveTargets(): InvestmentHolding[] {
+    return this.allInterestHoldings.filter((h) =>
+      canAccrueInterest(h) ? this.receivableBalance(h) > 0 : this.suspense(h) > 0
+    );
+  }
+
+  outstandingFor(h: InvestmentHolding): number {
+    return canAccrueInterest(h) ? this.receivableBalance(h) : this.suspense(h);
+  }
+
+  get receivedLog(): InvestmentTxn[] {
+    return this.txns.filter((t) => t.txnType === 'INTEREST_RECEIVED');
+  }
+
+  get receivedLogTotal(): number {
+    return this.receivedLog.reduce((s, t) => s + t.amount, 0);
+  }
+
+  receiveInterest(h: InvestmentHolding): void {
+    const draft = this.receiveDrafts[h.certNo];
+    if (!draft || draft <= 0) {
+      this.toast('Enter a valid amount to receive.');
+      return;
+    }
+    let amt = draft;
+    let particulars: string;
+    if (canAccrueInterest(h)) {
+      amt = Math.min(draft, this.receivableBalance(h));
+      h.interestReceived = this.received(h) + amt;
+      particulars = `Interest received against posted receivable - ${h.scriptName || h.party}`;
+    } else {
+      h.interestReceived = this.received(h) + amt;
+      particulars = `Interest received on cash basis (${this.provisionLabel(h)}) - ${h.scriptName || h.party}`;
+    }
+    const glCode = this.receiveGlCode;
+    const glName = this.glName(glCode);
+    this.txns = [
+      {
+        certNo: h.certNo,
+        instrumentType: h.instrumentType,
+        txnType: 'INTEREST_RECEIVED',
+        voucherNo: `INV/INT-RCV/${h.certNo}-${this.receivedLog.length + 1}`,
+        txnDate: this.asOnDate,
+        amount: amt,
+        particulars: `${particulars} (Dr. ${glCode} - ${glName})`,
+        glCode,
+        glName
+      },
+      ...this.txns
+    ];
+    this.toast(`₹${amt.toLocaleString('en-IN')} interest received into ${glCode} - ${glName} for ${h.certNo}.`);
+    delete this.receiveDrafts[h.certNo];
+  }
+
   // -------------------- 03 Government Bond Int Register --------------------
   get bondIntRegister(): InvestmentTxn[] {
     return this.txns.filter(
@@ -236,6 +446,309 @@ export class InvestmentInterestComponent {
     return this.fdRegister.reduce((s, h) => s + this.accrued(h), 0);
   }
 
+  // -------------------- Export to Excel --------------------
+  private txnExportRow(t: InvestmentTxn): (string | number | null)[] {
+    return [
+      t.txnDate,
+      t.voucherNo,
+      t.certNo,
+      t.instrumentType,
+      t.particulars,
+      t.amount,
+      t.glCode ?? '',
+      t.glName ?? ''
+    ];
+  }
+
+  private exportSheets(): ExportSheetSpec[] {
+    const subtitle = `As on ${this.asOnDate}`;
+    const txnHeaders = [
+      'Date',
+      'Voucher No',
+      'Cert No',
+      'Type',
+      'Particulars',
+      'Amount',
+      'GL Code',
+      'GL Name'
+    ];
+    const txnWidths = [
+      14,
+      22,
+      14,
+      14,
+      42,
+      16,
+      12,
+      28
+    ];
+    const one = (
+      sheetName: string,
+      title: string,
+      headers: string[],
+      widths: number[],
+      rows: (string | number | null)[][]
+    ): ExportSheetSpec[] => [
+      { sheetName, title, subtitle, headers, widths, rows }];
+
+    switch (this.activeTab) {
+      case 'receivable': {
+        const sheets: ExportSheetSpec[] = [
+          {
+            sheetName: 'Interest Receivable',
+            title: 'Interest Receivable — Posted but Not Yet Collected',
+            subtitle,
+            headers: [
+              'Cert No',
+              'Script / Party',
+              'Type',
+              'Status',
+              'Interest Posted',
+              'Interest Received',
+              'Receivable Balance'
+            ],
+            widths: [
+              14,
+              30,
+              16,
+              16,
+              16,
+              16,
+              18
+            ],
+            rows: this.receivableRows.map((h) => [
+              h.certNo,
+              h.scriptName || h.party,
+              this.instrumentLabel(h.instrumentType),
+              this.provisionLabel(h),
+              this.posted(h),
+              this.received(h),
+              this.receivableBalance(h)
+            ])
+          }
+        ];
+        if (this.suspenseRows.length > 0) {
+          sheets.push({
+            sheetName: 'NPI Suspense',
+            title: 'Non-Performing Investments — Interest Held in Suspense',
+            subtitle,
+            headers: [
+              'Cert No',
+              'Script / Party',
+              'Type',
+              'Status',
+              'Provision Required',
+              'Interest in Suspense'
+            ],
+            widths: [
+              14,
+              30,
+              16,
+              16,
+              16,
+              18
+            ],
+            rows: this.suspenseRows.map((h) => [
+              h.certNo,
+              h.scriptName || h.party,
+              this.instrumentLabel(h.instrumentType),
+              this.provisionLabel(h),
+              this.provisionRequired(h),
+              this.suspense(h)
+            ])
+          });
+        }
+        return sheets;
+      }
+      case 'fdCalc':
+        return [
+          {
+            sheetName: 'FD Interest Calc',
+            title: 'FD Interest Calculation & Post',
+            subtitle: `Period ${this.fdCalcFromDate || '—'} to ${this.fdCalcToDate || this.asOnDate} · Post to ${this.fdCalcGlCode} - ${this.glName(this.fdCalcGlCode)}`,
+            headers: [
+              'Cert No',
+              'Party',
+              'Face Value',
+              'Rate',
+              'Frequency',
+              'Interest'
+            ],
+            widths: [
+              14,
+              30,
+              16,
+              10,
+              14,
+              16
+            ],
+            rows: this.fdCalcTargets.map((h) => [
+              h.certNo,
+              h.party,
+              h.faceValue,
+              h.interestRate,
+              h.interestFreq,
+              this.fdInterest(h)
+            ])
+          }
+        ];
+      case 'bondCalc':
+        return [
+          {
+            sheetName: 'Bond Interest Calc',
+            title: 'Govt./Bond Interest Calculation & Post',
+            subtitle: `Period ${this.bondCalcFromDate || '—'} to ${this.bondCalcToDate || this.asOnDate} · Post to ${this.bondCalcGlCode} - ${this.glName(this.bondCalcGlCode)}`,
+            headers: [
+              'Cert No',
+              'Script',
+              'Type',
+              'Face Value',
+              'Rate',
+              'Frequency',
+              'Interest'
+            ],
+            widths: [
+              14,
+              30,
+              16,
+              16,
+              10,
+              14,
+              16
+            ],
+            rows: this.bondCalcTargets.map((h) => [
+              h.certNo,
+              h.scriptName,
+              this.instrumentLabel(h.instrumentType),
+              h.faceValue,
+              h.interestRate,
+              h.interestFreq,
+              this.bondInterest(h)
+            ])
+          }
+        ];
+      case 'receive': {
+        const sheets: ExportSheetSpec[] = [
+          {
+            sheetName: 'Receive Targets',
+            title: 'Interest Receive — Outstanding for Collection',
+            subtitle: `${subtitle} · Receive into ${this.receiveGlCode} - ${this.glName(this.receiveGlCode)}`,
+            headers: [
+              'Cert No',
+              'Script / Party',
+              'Type',
+              'Status',
+              'Outstanding'
+            ],
+            widths: [
+              14,
+              30,
+              16,
+              16,
+              16
+            ],
+            rows: this.receiveTargets.map((h) => [
+              h.certNo,
+              h.scriptName || h.party,
+              this.instrumentLabel(h.instrumentType),
+              this.provisionLabel(h),
+              this.outstandingFor(h)
+            ])
+          }
+        ];
+        if (this.receivedLog.length > 0) {
+          sheets.push({
+            sheetName: 'Received Log',
+            title: 'Interest Received Log',
+            subtitle,
+            headers: txnHeaders,
+            widths: txnWidths,
+            rows: this.receivedLog.map((t) => this.txnExportRow(t))
+          });
+        }
+        return sheets;
+      }
+      case 'bondIntRegister':
+        return one(
+          'Govt Bond Int Register',
+          'Government Bond Interest Register',
+          txnHeaders,
+          txnWidths,
+          this.bondIntRegister.map((t) => this.txnExportRow(t))
+        );
+      case 'fdIntRegister':
+        return one(
+          'FD Interest Register',
+          'FD Interest Register',
+          txnHeaders,
+          txnWidths,
+          this.fdIntRegister.map((t) => this.txnExportRow(t))
+        );
+      case 'fdRegister':
+        return one(
+          'FD Register',
+          'FD Register',
+          [
+            'Cert No',
+            'Party',
+            'Sub Type',
+            'Face Value',
+            'Rate',
+            'Frequency',
+            'Deposit Date',
+            'Maturity Date',
+            'Days Left',
+            'Accrued Interest',
+            'Maturity Value',
+            'Status'
+          ],
+          [
+            14,
+            26,
+            16,
+            16,
+            10,
+            14,
+            14,
+            14,
+            12,
+            16,
+            16,
+            12
+          ],
+          this.fdRegister.map((h) => [
+            h.certNo,
+            h.party,
+            h.subType,
+            h.faceValue,
+            h.interestRate,
+            h.interestFreq,
+            h.purchaseDate,
+            h.maturityDate,
+            this.daysLeft(h),
+            this.accrued(h),
+            this.maturity(h),
+            h.status
+          ])
+        );
+      default:
+        return one('Interest', 'Investment Interest', [], [], []);
+    }
+  }
+
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(this.exportSheets(), `Investment-Interest-${this.activeTab}-${this.asOnDate}`);
+      this.toast('Exported.');
+    } catch (err) {
+      console.error('Investment Interest export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
   private toast(msg: string): void {
     this.toastMsg = msg;
     this.toastVisible = true;

src/app/investment/investment-masters/investment-masters.component.html

@@ -16,6 +16,11 @@
         Market Detail masters.
       </p>
     </div>
+    <div class="pg-toolbar">
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
+    </div>
   </header>
 
   <div class="cctr-tabs">
@@ -262,8 +267,8 @@
           ><span>Contact No</span><input type="text" [(ngModel)]="newBroker.contactNo"
         /></label>
         <label class="inv-form-field"
-          ><span>Empanelled On</span><input type="text" [(ngModel)]="newBroker.empanelledOn" placeholder="DD-MM-YYYY"
+          ><span>Empanelled On</span><mifosx-date-ddmmyyyy [(ngModel)]="newBroker.empanelledOn"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
       </div>
       <div class="inv-form-actions">
         <button type="button" class="pg-btn pg-btn--primary" (click)="addBroker()">Save</button>
@@ -344,8 +349,8 @@
       <div class="pos-section-label">Add Daily Script Rate</div>
       <div class="inv-form-grid">
         <label class="inv-form-field"
-          ><span>Rate Date *</span><input type="text" [(ngModel)]="newDailyRate.rateDate" placeholder="DD-MM-YYYY"
+          ><span>Rate Date *</span><mifosx-date-ddmmyyyy [(ngModel)]="newDailyRate.rateDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field">
           <span>Script Code *</span>
           <select [(ngModel)]="newDailyRate.scriptCode">

src/app/investment/investment-masters/investment-masters.component.ts

@@ -9,6 +9,7 @@
 import { Component } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
+import { DateDdmmyyyyPickerComponent } from '../date-ddmmyyyy-picker/date-ddmmyyyy-picker.component';
 import {
   SCRIPT_MASTER,
   BROKER_MASTER,
@@ -32,6 +33,7 @@ import {
   LienReason,
   InstrumentType
 } from '../investment-data';
+import { exportWorkbook, ExportSheetSpec } from '../investment-export';
 
 type MasterTab =
   | 'party'
@@ -59,7 +61,8 @@ type MasterTab =
   standalone: true,
   imports: [
     CommonModule,
-    FormsModule
+    FormsModule,
+    DateDdmmyyyyPickerComponent
   ]
 })
 export class InvestmentMastersComponent {
@@ -85,6 +88,20 @@ export class InvestmentMastersComponent {
     'SHARE'
   ];
 
+  private readonly masterLabels: Record<MasterTab, string> = {
+    party: 'Bank / Party Master',
+    script: 'Script Master',
+    subtype: 'SubType Master',
+    broker: 'Broker Master',
+    control: 'Control Parameter',
+    dailyscript: 'Daily Script Master',
+    lien: 'LIEN Reason Master',
+    mfproduct: 'Mutual Fund Product Master',
+    sglbank: 'SGL Bank Master',
+    marketdetail: 'Script Market Detail'
+  };
+
+  generating = false;
   toastMsg = '';
   toastVisible = false;
   private toastTimer: ReturnType<typeof setTimeout> | undefined;
@@ -251,6 +268,244 @@ export class InvestmentMastersComponent {
     this.toast('Daily script rate added.');
   }
 
+  // -------------------- Export to Excel --------------------
+  private exportSheets(): ExportSheetSpec[] {
+    const title = this.masterLabels[this.activeTab];
+    const one = (headers: string[], widths: number[], rows: (string | number | null)[][]): ExportSheetSpec[] => [
+      { sheetName: title, title, headers, widths, rows }];
+
+    switch (this.activeTab) {
+      case 'party':
+        return one(
+          [
+            'Party Code',
+            'Party Name',
+            'Type',
+            'PAN No'
+          ],
+          [
+            12,
+            30,
+            16,
+            14
+          ],
+          this.parties.map((p) => [
+            p.partyCode,
+            p.partyName,
+            p.partyType,
+            p.panNo
+          ])
+        );
+      case 'script':
+        return one(
+          [
+            'Script Code',
+            'Script Name',
+            'Instrument',
+            'ISIN',
+            'Face Value/Unit'
+          ],
+          [
+            16,
+            30,
+            16,
+            16,
+            16
+          ],
+          this.scripts.map((s) => [
+            s.scriptCode,
+            s.scriptName,
+            s.instrumentType,
+            s.isin,
+            s.faceValuePerUnit
+          ])
+        );
+      case 'subtype':
+        return one(
+          [
+            'Code',
+            'Sub Type',
+            'Instrument'
+          ],
+          [
+            10,
+            24,
+            16
+          ],
+          this.subTypes.map((s) => [
+            s.subTypeCode,
+            s.subTypeName,
+            s.instrumentType
+          ])
+        );
+      case 'broker':
+        return one(
+          [
+            'Broker Code',
+            'Broker Name',
+            'Contact',
+            'Empanelled On',
+            'Status'
+          ],
+          [
+            14,
+            30,
+            16,
+            16,
+            12
+          ],
+          this.brokers.map((b) => [
+            b.brokerCode,
+            b.brokerName,
+            b.contactNo,
+            b.empanelledOn,
+            b.status
+          ])
+        );
+      case 'control':
+        return one(
+          [
+            'Parameter',
+            'Value',
+            'Description'
+          ],
+          [
+            26,
+            14,
+            40
+          ],
+          this.controlParams.map((c) => [
+            c.paramName,
+            c.paramValue,
+            c.description
+          ])
+        );
+      case 'dailyscript':
+        return one(
+          [
+            'Rate Date',
+            'Script Code',
+            'Script Name',
+            'Open',
+            'High',
+            'Low',
+            'Close'
+          ],
+          [
+            14,
+            16,
+            26,
+            12,
+            12,
+            12,
+            12
+          ],
+          this.dailyScriptRates.map((r) => [
+            r.rateDate,
+            r.scriptCode,
+            r.scriptName,
+            r.openRate,
+            r.highRate,
+            r.lowRate,
+            r.closeRate
+          ])
+        );
+      case 'lien':
+        return one(
+          [
+            'Reason Code',
+            'Description'
+          ],
+          [
+            14,
+            40
+          ],
+          this.lienReasons.map((l) => [
+            l.reasonCode,
+            l.reasonDescription
+          ])
+        );
+      case 'mfproduct':
+        return one(
+          [
+            'Product Code',
+            'Product Name',
+            'AMC',
+            'Category',
+            'Risk'
+          ],
+          [
+            14,
+            30,
+            24,
+            20,
+            12
+          ],
+          this.mfProducts.map((m) => [
+            m.productCode,
+            m.productName,
+            m.amcName,
+            m.category,
+            m.riskLevel
+          ])
+        );
+      case 'sglbank':
+        return one(
+          [
+            'SGL Code',
+            'Bank Name',
+            'Branch'
+          ],
+          [
+            14,
+            30,
+            24
+          ],
+          this.sglBanks.map((s) => [
+            s.sglCode,
+            s.bankName,
+            s.branch
+          ])
+        );
+      case 'marketdetail':
+        return one(
+          [
+            'Script Code',
+            'Market Price',
+            'As On',
+            'YTM %'
+          ],
+          [
+            16,
+            16,
+            14,
+            12
+          ],
+          this.marketDetails.map((m) => [
+            m.scriptCode,
+            m.marketPrice,
+            m.asOnDate,
+            m.ytm
+          ])
+        );
+      default:
+        return one([], [], []);
+    }
+  }
+
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(this.exportSheets(), `Investment-${this.masterLabels[this.activeTab]}`);
+      this.toast(`${this.masterLabels[this.activeTab]} exported.`);
+    } catch (err) {
+      console.error('Investment Masters export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
   private toast(msg: string): void {
     this.toastMsg = msg;
     this.toastVisible = true;

src/app/investment/investment-reports/investment-reports.component.html

@@ -16,6 +16,11 @@
         same holdings/transactions used by the Entry screens.
       </p>
     </div>
+    <div class="pg-toolbar">
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
+    </div>
   </header>
 
   <div class="cctr-tabs">
@@ -692,3 +697,5 @@
     </div>
   }
 </div>
+
+<div class="inv-toast" [class.show]="toastVisible">{{ toastMsg }}</div>

src/app/investment/investment-reports/investment-reports.component.ts

@@ -27,6 +27,7 @@ import {
   daysToMaturity,
   todayDDMMYYYY
 } from '../investment-data';
+import { exportWorkbook, ExportSheetSpec } from '../investment-export';
 
 type ReportGroup = 'balance' | 'ledger' | 'maturity' | 'portfolio';
 
@@ -50,6 +51,11 @@ export class InvestmentReportsComponent {
   activeReport = 'govtSecBalance';
   asOnDate = todayDDMMYYYY();
 
+  generating = false;
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: ReturnType<typeof setTimeout> | undefined;
+
   setGroup(group: ReportGroup, defaultReport: string): void {
     this.activeGroup = group;
     this.activeReport = defaultReport;
@@ -244,4 +250,364 @@ export class InvestmentReportsComponent {
   get portfolioTotalMaturity(): number {
     return this.portfolioSummary.reduce((s, r) => s + r.maturityValue, 0);
   }
+
+  // -------------------- Export to Excel --------------------
+  private readonly holdingsExportHeaders = [
+    'Cert No',
+    'Script / Party',
+    'Sub Type',
+    'Units',
+    'Face Value',
+    'Purchase Rate',
+    'Interest Rate',
+    'Purchase Date',
+    'Maturity Date',
+    'Accrued Interest',
+    'Maturity Value',
+    'Status'
+  ];
+  private readonly holdingsExportWidths = [
+    14,
+    30,
+    16,
+    12,
+    16,
+    14,
+    12,
+    14,
+    14,
+    16,
+    16,
+    12
+  ];
+  private holdingsExportRow(h: InvestmentHolding): (string | number | null)[] {
+    return [
+      h.certNo,
+      h.scriptName || h.party,
+      h.subType,
+      h.units,
+      h.faceValue,
+      h.purchaseRate,
+      h.interestRate,
+      h.purchaseDate,
+      h.maturityDate,
+      this.accrued(h),
+      this.maturity(h),
+      h.status
+    ];
+  }
+
+  private readonly txnExportHeaders = [
+    'Date',
+    'Voucher No',
+    'Cert No',
+    'Type',
+    'Particulars',
+    'Amount'
+  ];
+  private readonly txnExportWidths = [
+    14,
+    22,
+    14,
+    14,
+    42,
+    16
+  ];
+  private txnExportRow(t: InvestmentTxn): (string | number | null)[] {
+    return [
+      t.txnDate,
+      t.voucherNo,
+      t.certNo,
+      t.txnType,
+      t.particulars,
+      t.amount
+    ];
+  }
+
+  private exportSheets(): ExportSheetSpec[] {
+    const subtitle = `As on ${this.asOnDate}`;
+    const one = (
+      sheetName: string,
+      title: string,
+      headers: string[],
+      widths: number[],
+      rows: (string | number | null)[][]
+    ): ExportSheetSpec[] => [
+      { sheetName, title, subtitle, headers, widths, rows }];
+
+    switch (this.activeReport) {
+      case 'govtSecBalance':
+        return one(
+          'Govt Sec Balance',
+          'Govt Security Balance Report',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.govtSecHoldings.map((h) => this.holdingsExportRow(h))
+        );
+      case 'shareBalance':
+        return one(
+          'Share Balance',
+          'Share Balance Report',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.shareHoldings.map((h) => this.holdingsExportRow(h))
+        );
+      case 'fdrBalance':
+        return one(
+          'FDR Balance',
+          'FDR Balance Report',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.fdHoldings.map((h) => this.holdingsExportRow(h))
+        );
+      case 'bankInvList':
+        return one(
+          'Bank Investment List',
+          'Bank Investment List',
+          [
+            'Party',
+            'Holdings',
+            'Total Face Value'
+          ],
+          [
+            30,
+            14,
+            18
+          ],
+          this.bankInvestmentList.map((r) => [
+            r.party,
+            r.count,
+            r.totalFaceValue
+          ])
+        );
+      case 'fdLedger':
+        return one(
+          'FD Ledger',
+          'FD Ledger',
+          this.txnExportHeaders,
+          this.txnExportWidths,
+          this.fdTxns.map((t) => this.txnExportRow(t))
+        );
+      case 'bondLedger':
+        return one(
+          'Govt-Bond Ledger',
+          'Govt/Bond Ledger',
+          this.txnExportHeaders,
+          this.txnExportWidths,
+          this.bondTxns.map((t) => this.txnExportRow(t))
+        );
+      case 'shareLedger':
+        return one(
+          'Share Ledger',
+          'Share Ledger',
+          this.txnExportHeaders,
+          this.txnExportWidths,
+          this.shareTxns.map((t) => this.txnExportRow(t))
+        );
+      case 'amortizeLedger':
+        return one(
+          'Amortize Ledger',
+          'Amortize Ledger',
+          this.txnExportHeaders,
+          this.txnExportWidths,
+          this.amortizeTxns.map((t) => this.txnExportRow(t))
+        );
+      case 'dealSlip':
+        return one(
+          'Deal Slip',
+          'Deal Slip Register',
+          this.txnExportHeaders,
+          this.txnExportWidths,
+          this.dealSlips.map((t) => this.txnExportRow(t))
+        );
+      case 'intDueRegister':
+        return one(
+          'Interest Due Register',
+          'Interest Due Register (Non-Cumulative Holdings)',
+          [
+            ...this.holdingsExportHeaders,
+            'Due Amount'
+          ],
+          [
+            ...this.holdingsExportWidths,
+            16
+          ],
+          this.interestDueRegister.map((h) => [
+            ...this.holdingsExportRow(h),
+            h.dueAmount
+          ])
+        );
+      case 'slrRegister':
+        return one(
+          'SLR Bond Register',
+          'SLR Bond Register',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.slrBondRegister.map((h) => this.holdingsExportRow(h))
+        );
+      case 'pendingReceived':
+        return [
+          {
+            sheetName: 'Received Interest',
+            title: 'Received Interest / Dividend',
+            subtitle,
+            headers: this.txnExportHeaders,
+            widths: this.txnExportWidths,
+            rows: this.receivedInterestTxns.map((t) => this.txnExportRow(t))
+          },
+          {
+            sheetName: 'Pending Interest',
+            title: 'Pending Interest (Not Yet Posted)',
+            subtitle,
+            headers: this.holdingsExportHeaders,
+            widths: this.holdingsExportWidths,
+            rows: this.pendingInterestHoldings.map((h) => this.holdingsExportRow(h))
+          }
+        ];
+      case 'maturedFd':
+        return one(
+          'Matured FD',
+          'List of Matured FD',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.maturedFdList.map((h) => this.holdingsExportRow(h))
+        );
+      case 'maturingList':
+        return one(
+          'Maturity List',
+          'Govt Security / FD Maturity List',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.maturingList.map((h) => this.holdingsExportRow(h))
+        );
+      case 'maturityPattern':
+        return one(
+          'Maturity Pattern',
+          'Maturity Pattern Register',
+          [
+            'Bucket',
+            'Holdings',
+            'Face Value'
+          ],
+          [
+            22,
+            14,
+            18
+          ],
+          this.maturityBuckets.map((b) => [
+            b.label,
+            b.count,
+            b.faceValue
+          ])
+        );
+      case 'govtSecList':
+        return one(
+          'Govt Security List',
+          'Govt Security List',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.govtSecList.map((h) => this.holdingsExportRow(h))
+        );
+      case 'fdSecList':
+        return one(
+          'FD Security List',
+          'FD Security List',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.fdSecList.map((h) => this.holdingsExportRow(h))
+        );
+      case 'shareSecList':
+        return one(
+          'Share Security List',
+          'Share Security List',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.shareSecList.map((h) => this.holdingsExportRow(h))
+        );
+      case 'mfList':
+        return one(
+          'Mutual Fund List',
+          'Mutual Fund List',
+          this.holdingsExportHeaders,
+          this.holdingsExportWidths,
+          this.mutualFundList.map((h) => this.holdingsExportRow(h))
+        );
+      case 'shiftingReport':
+        return one(
+          'Shifting Report',
+          'Shifting Report — SLR Market Deviation ≥ 1%',
+          [
+            'Cert No',
+            'Script',
+            'Purchase Rate',
+            'Market Price',
+            'Deviation %'
+          ],
+          [
+            14,
+            30,
+            16,
+            16,
+            14
+          ],
+          this.shiftingCandidates.map((x) => [
+            x.certNo,
+            x.scriptName,
+            x.purchaseRate,
+            x.marketPrice,
+            x.deviationPct
+          ])
+        );
+      case 'portfolio':
+        return one(
+          'Portfolio',
+          'Investment Portfolio — Consolidated Summary',
+          [
+            'Instrument Type',
+            'Holdings',
+            'Face Value',
+            'Accrued Interest',
+            'Maturity Value'
+          ],
+          [
+            24,
+            12,
+            18,
+            18,
+            18
+          ],
+          this.portfolioSummary.map((p) => [
+            p.label,
+            p.count,
+            p.faceValue,
+            p.accrued,
+            p.maturityValue
+          ])
+        );
+      default:
+        return one('Report', 'Investment Report', this.holdingsExportHeaders, this.holdingsExportWidths, []);
+    }
+  }
+
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(this.exportSheets(), `Investment-${this.activeReport}-${this.asOnDate}`);
+      this.toast('Report exported.');
+    } catch (err) {
+      console.error('Investment report export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    if (this.toastTimer) {
+      clearTimeout(this.toastTimer);
+    }
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
 }

src/app/investment/investment-shared.scss

@@ -128,6 +128,32 @@
     color: #b91c1c;
     border: 1px solid #fecaca;
   }
+
+  // Investment-provisioning classification (Non-Performing Investment) — same severity ramp as
+  // the NPA module's stage badges, kept local since it colours a different status field here.
+  &--standard {
+    background: #f0fdf4;
+    color: #15803d;
+    border: 1px solid #bbf7d0;
+  }
+
+  &--sub_standard {
+    background: #fef2f2;
+    color: #dc2626;
+    border: 1px solid #fecaca;
+  }
+
+  &--doubtful {
+    background: #fdf2f8;
+    color: #9d174d;
+    border: 1px solid #fbcfe8;
+  }
+
+  &--loss {
+    background: #1f2937;
+    color: #f9fafb;
+    border: 1px solid #1f2937;
+  }
 }
 
 .inv-form-grid {

src/app/investment/share-investment/share-investment.component.html

@@ -15,6 +15,13 @@
         Equity and cooperative-society share holdings — Purchase, Dividend, Sell and Write-off entries.
       </p>
     </div>
+    @if (activeTab === 'holdings') {
+      <div class="pg-toolbar">
+        <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+          {{ generating ? 'Exporting…' : 'Export to Excel' }}
+        </button>
+      </div>
+    }
   </header>
 
   <div class="cctr-tabs">
@@ -131,8 +138,8 @@
         /></label>
         <label class="inv-form-field"
           ><span>Purchase Date *</span
-          ><input type="text" [(ngModel)]="purchaseForm.purchaseDate" placeholder="DD-MM-YYYY"
+          ><mifosx-date-ddmmyyyy [(ngModel)]="purchaseForm.purchaseDate"></mifosx-date-ddmmyyyy
-        /></label>
+        ></label>
         <label class="inv-form-field"
           ><span>Broker Code</span><input type="text" [(ngModel)]="purchaseForm.brokerCode"
         /></label>

src/app/investment/share-investment/share-investment.component.ts

@@ -9,7 +9,9 @@
 import { Component } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
+import { DateDdmmyyyyPickerComponent } from '../date-ddmmyyyy-picker/date-ddmmyyyy-picker.component';
 import { SHARE_HOLDINGS, ALL_TXNS, InvestmentHolding, InvestmentTxn, todayDDMMYYYY } from '../investment-data';
+import { exportWorkbook } from '../investment-export';
 
 type ShareTab = 'holdings' | 'purchase' | 'dividend' | 'sell' | 'writeoff';
 
@@ -40,7 +42,8 @@ interface SharePurchaseForm {
   standalone: true,
   imports: [
     CommonModule,
-    FormsModule
+    FormsModule,
+    DateDdmmyyyyPickerComponent
   ]
 })
 export class ShareInvestmentComponent {
@@ -50,6 +53,7 @@ export class ShareInvestmentComponent {
   holdings: InvestmentHolding[] = [...SHARE_HOLDINGS];
   txns: InvestmentTxn[] = ALL_TXNS.filter((t) => t.instrumentType === 'SHARE');
 
+  generating = false;
   toastMsg = '';
   toastVisible = false;
   private toastTimer: ReturnType<typeof setTimeout> | undefined;
@@ -252,6 +256,59 @@ export class ShareInvestmentComponent {
     return `inv-badge inv-badge--${h.status.toLowerCase()}`;
   }
 
+  // -------------------- Export to Excel (Holdings register) --------------------
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      await exportWorkbook(
+        [
+          {
+            sheetName: 'Share Holdings',
+            title: 'Share Holdings Register',
+            subtitle: `As on ${this.asOnDate}`,
+            headers: [
+              'Cert No',
+              'Script',
+              'Party',
+              'Units',
+              'Purchase Rate',
+              'Face Value',
+              'Purchase Date',
+              'Status'
+            ],
+            widths: [
+              14,
+              24,
+              22,
+              12,
+              14,
+              16,
+              14,
+              12
+            ],
+            rows: this.holdings.map((h) => [
+              h.certNo,
+              h.scriptName,
+              h.party,
+              h.units,
+              h.purchaseRate,
+              h.faceValue,
+              h.purchaseDate,
+              h.status
+            ])
+          }
+        ],
+        `Share-Holdings-${this.asOnDate}`
+      );
+      this.toast('Share Holdings exported.');
+    } catch (err) {
+      console.error('Share Holdings export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
   private toast(msg: string): void {
     this.toastMsg = msg;
     this.toastVisible = true;

src/app/loan-origination/application-detail/application-detail.component.html

@@ -0,0 +1,878 @@
+<!--
+  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="pg">
+  @if (application; as a) {
+    <header class="pg-head">
+      <div>
+        <div class="pg-eyebrow">CREDIT · LOAN ORIGINATION · {{ a.branchName | uppercase }}</div>
+        <h1 class="pg-title">
+          {{ a.applicationNo }} — {{ a.applicantName }}
+          <span [class]="badgeClass(a)">{{ statusLabels[a.overallStatus] }}</span>
+        </h1>
+        <p class="pg-sub npa-report-note">
+          {{ a.productName }} · ₹{{ a.requestedAmount | number: '1.0-0' }} · Applied {{ a.applicationDate }} ·
+          {{ progress(a) }}% through the sanctioning workflow.
+        </p>
+      </div>
+      <div class="pg-toolbar">
+        <button type="button" class="pg-btn pg-btn--ghost" (click)="goBack()">‹ Back to Pipeline</button>
+      </div>
+    </header>
+
+    <div class="pg-card">
+      <dl class="loan-kv-grid">
+        <div class="loan-kv-field">
+          <dt>Branch</dt>
+          <dd>{{ a.branchName }}</dd>
+        </div>
+        <div class="loan-kv-field">
+          <dt>Channel</dt>
+          <dd>
+            {{ a.channel === 'BC' ? a.bcAgentName : a.channel === 'SELF_APPLY' ? 'Self-Apply (Digital)' : 'Branch' }}
+          </dd>
+        </div>
+        <div class="loan-kv-field">
+          <dt>Customer Type</dt>
+          <dd>{{ a.customerType === 'EXISTING' ? 'Existing Customer' : 'New Customer' }}</dd>
+        </div>
+        <div class="loan-kv-field">
+          <dt>Tenure / Rate</dt>
+          <dd>{{ a.tenureMonths }} months @ {{ a.interestRate }}%</dd>
+        </div>
+        <div class="loan-kv-field">
+          <dt>Monthly Income / Eligible Amount</dt>
+          <dd>₹{{ a.monthlyIncome | number: '1.0-0' }} / ₹{{ a.eligibleLoanAmount | number: '1.0-0' }}</dd>
+        </div>
+        <div class="loan-kv-field">
+          <dt>Sanctioning Authority</dt>
+          <dd>{{ sanctioningAuthorityOf(a) }}</dd>
+        </div>
+        <div class="loan-kv-field">
+          <dt>Share Member</dt>
+          <dd>
+            @if (a.isShareMember) {
+              Yes — {{ a.shareCertNo }} (since {{ a.shareMemberSince }})
+            } @else {
+              <span class="loan-badge loan-badge--hold">Not a Member</span>
+              <button type="button" class="pg-btn pg-btn--ghost" (click)="allotMembership(a)">Allot Shares</button>
+            }
+          </dd>
+        </div>
+        @if (a.coBorrowerRequired) {
+          <div class="loan-kv-field">
+            <dt>Co-Borrower</dt>
+            <dd>{{ a.coBorrowerName }}</dd>
+          </div>
+        }
+        @if (a.guarantorRequired) {
+          <div class="loan-kv-field">
+            <dt>Guarantor</dt>
+            <dd>{{ a.guarantorName }}</dd>
+          </div>
+        }
+      </dl>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Sanctioning Workflow Progress</div>
+      <div class="loan-stepper">
+        @for (s of stageOrder; track s) {
+          <div [class]="stepStatusClass(a, s)">
+            <span class="loan-step__connector"></span>
+            <span class="loan-step__dot">{{ stepMarker(a, s) }}</span>
+            <span class="loan-step__label">{{ stageLabels[s] }}</span>
+          </div>
+        }
+      </div>
+    </div>
+
+    @if (a.overallStatus === 'REJECTED') {
+      <div class="pg-card">
+        <div class="pos-section-label">Application Rejected — at {{ stageLabels[a.currentStage] }}</div>
+        <p class="pg-sub npa-report-note">See the approval summary below for the recorded reason.</p>
+      </div>
+    } @else if (a.overallStatus === 'ON_HOLD') {
+      <div class="pg-card">
+        <div class="pos-section-label">Personal Discussion — {{ discrepancyLabels[a.discrepancyType] }}</div>
+        <div class="loan-action-card">
+          <p>{{ a.personalDiscussionNotes }}</p>
+          <label class="inv-form-field">
+            <span>Resolution Notes</span>
+            <input type="text" [(ngModel)]="actionRemarks" placeholder="How was this resolved?" />
+          </label>
+          <div class="loan-action-row">
+            <button type="button" class="pg-btn pg-btn--success" (click)="resolveDiscrepancy(a)">
+              Resolve &amp; Proceed to Loan Committee
+            </button>
+          </div>
+        </div>
+      </div>
+    } @else if (a.overallStatus === 'DISBURSED') {
+      <div class="pg-card">
+        <div class="pos-section-label">Disbursed</div>
+        <dl class="loan-kv-grid">
+          <div class="loan-kv-field">
+            <dt>Disbursement Date</dt>
+            <dd>{{ a.disbursementDate }}</dd>
+          </div>
+          <div class="loan-kv-field">
+            <dt>Mode</dt>
+            <dd>{{ a.disbursementMode }}</dd>
+          </div>
+          <div class="loan-kv-field">
+            <dt>ACH Confirmation</dt>
+            <dd>{{ a.achConfirmationRef }}</dd>
+          </div>
+          <div class="loan-kv-field">
+            <dt>EMI Activation Confirmation</dt>
+            <dd>{{ a.emiActivationConfirmed ? 'Confirmed on ' + a.emiActivationDate : 'Pending' }}</dd>
+          </div>
+        </dl>
+      </div>
+
+      <div class="pg-card">
+        <div class="pos-section-label">EMI Repayment Schedule</div>
+        @if (isRevolving(a)) {
+          <p class="pg-sub npa-report-note">
+            {{ a.productName }} is a revolving/renewable limit — repaid on demand and renewed annually, not on a fixed
+            EMI schedule.
+          </p>
+        } @else {
+          <div class="inv-kpis npa-kpis--ratio">
+            <div class="inv-kpi">
+              <span class="inv-kpi__label">Loan Amount</span>
+              <span class="inv-kpi__value">₹{{ a.requestedAmount | number: '1.0-0' }}</span>
+              <span class="inv-kpi__sub">{{ a.tenureMonths }} months @ {{ a.interestRate }}%</span>
+            </div>
+            <div class="inv-kpi">
+              <span class="inv-kpi__label">Monthly EMI</span>
+              <span class="inv-kpi__value">₹{{ emiAmountFor(a) | number: '1.0-0' }}</span>
+              <span class="inv-kpi__sub">Reducing balance</span>
+            </div>
+            <div class="inv-kpi">
+              <span class="inv-kpi__label">Total Interest Payable</span>
+              <span class="inv-kpi__value">₹{{ totalInterestFor(a) | number: '1.0-0' }}</span>
+              <span class="inv-kpi__sub">over the full tenure</span>
+            </div>
+            <div class="inv-kpi">
+              <span class="inv-kpi__label">Total Amount Payable</span>
+              <span class="inv-kpi__value">₹{{ totalPayableFor(a) | number: '1.0-0' }}</span>
+              <span class="inv-kpi__sub">principal + interest</span>
+            </div>
+          </div>
+          <div class="pg-table-scroll loan-emi-table-scroll">
+            <table class="pg-table">
+              <thead>
+                <tr>
+                  <th class="num">Inst. No</th>
+                  <th>Due Date</th>
+                  <th class="num">Opening Balance</th>
+                  <th class="num">EMI</th>
+                  <th class="num">Principal</th>
+                  <th class="num col-out">Interest</th>
+                  <th class="num">Closing Balance</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (row of emiScheduleFor(a); track row.installmentNo) {
+                  <tr>
+                    <td class="num">{{ row.installmentNo }}</td>
+                    <td>{{ row.dueDate }}</td>
+                    <td class="num">₹{{ row.openingBalance | number: '1.0-0' }}</td>
+                    <td class="num">₹{{ row.emiAmount | number: '1.0-0' }}</td>
+                    <td class="num col-in">₹{{ row.principalComponent | number: '1.0-0' }}</td>
+                    <td class="num col-out">₹{{ row.interestComponent | number: '1.0-0' }}</td>
+                    <td class="num">₹{{ row.closingBalance | number: '1.0-0' }}</td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        }
+      </div>
+    } @else {
+      <!-- ===================== APPLICATION ===================== -->
+      @if (a.currentStage === 'APPLICATION') {
+        <div class="pg-card">
+          <div class="pos-section-label">Application Received</div>
+          <div class="loan-action-card">
+            <p>
+              Received via
+              {{ a.channel === 'BC' ? a.bcAgentName : a.channel === 'SELF_APPLY' ? 'Self-Apply (Digital)' : 'Branch' }}
+              on {{ a.applicationDate }}.
+            </p>
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--primary"
+                (click)="proceed(a, 'Application logged and forwarded for KYC.')"
+              >
+                Proceed to KYC &amp; Document Collection
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== KYC & DOCUMENTS ===================== -->
+      @if (a.currentStage === 'KYC_DOCUMENTS') {
+        <div class="pg-card">
+          <div class="pos-section-label">KYC &amp; Document Collection — OVD (RBI KYC Master Direction)</div>
+          <div class="loan-action-card">
+            <div class="loan-checklist">
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.aadhaarVerified" /> Aadhaar Verified (OVD)
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.panVerified" /> PAN Verified
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.incomeProofSubmitted" /> Income Proof Submitted
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.bankStatementSubmitted" /> Bank Statement Submitted
+              </label>
+              @if (a.secured) {
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [(ngModel)]="a.propertyDetailsSubmitted" /> Property Details Submitted
+                </label>
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [(ngModel)]="a.taxReceiptSubmitted" /> Property Tax Receipt Submitted
+                </label>
+              }
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.electricityBillSubmitted" /> Electricity Bill (Address Proof)
+                Submitted
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.aadhaarFingerprintCaptured" /> Aadhaar Fingerprint Captured
+                (e-KYC)
+              </label>
+            </div>
+            @if (a.monthlyIncome === 0) {
+              <label class="inv-form-field">
+                <span>Monthly Income (₹)</span>
+                <input type="number" [(ngModel)]="monthlyIncomeInput" placeholder="e.g. 45000" />
+              </label>
+              <p class="pg-sub npa-report-note">
+                Eligible Loan Amount preview: ₹{{ eligiblePreview(a) | number: '1.0-0' }}
+              </p>
+              <div class="loan-action-row">
+                <button type="button" class="pg-btn pg-btn--ghost" (click)="setIncomeNow(a)">
+                  Assess Income &amp; Calculate Eligible Amount
+                </button>
+              </div>
+            } @else {
+              <dl class="loan-kv-grid" style="padding: 0 0 14px">
+                <div class="loan-kv-field">
+                  <dt>Monthly Income</dt>
+                  <dd>₹{{ a.monthlyIncome | number: '1.0-0' }}</dd>
+                </div>
+                <div class="loan-kv-field">
+                  <dt>Eligible Loan Amount</dt>
+                  <dd>₹{{ a.eligibleLoanAmount | number: '1.0-0' }}</dd>
+                </div>
+              </dl>
+            }
+            @if (a.coBorrowerRequired) {
+              <p class="pg-sub npa-report-note">Co-Borrower Required — {{ a.coBorrowerName }}</p>
+            }
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--primary"
+                [disabled]="!allKycDone(a)"
+                (click)="proceed(a, 'KYC/OVD documents verified and collected.')"
+              >
+                Proceed to CIC / Credit Bureau Check
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== CIC / CREDIT BUREAU CHECK ===================== -->
+      @if (a.currentStage === 'CIC_CHECK') {
+        <div class="pg-card">
+          <div class="pos-section-label">CIC / Credit Bureau Check — {{ a.cicBureau }}</div>
+          <div class="loan-action-card">
+            @if (a.cibilScore === 0) {
+              <label class="inv-form-field">
+                <span>Bureau</span>
+                <select [(ngModel)]="a.cicBureau">
+                  @for (bureau of cicBureaus; track bureau) {
+                    <option [value]="bureau">{{ bureau }}</option>
+                  }
+                </select>
+              </label>
+              <div class="loan-action-row">
+                <button type="button" class="pg-btn pg-btn--primary" (click)="checkCreditScoreNow(a)">
+                  Check Credit Score
+                </button>
+              </div>
+            } @else {
+              <dl class="loan-kv-grid" style="padding: 0 0 14px">
+                <div class="loan-kv-field">
+                  <dt>Bureau</dt>
+                  <dd>{{ a.cicBureau }}</dd>
+                </div>
+                <div class="loan-kv-field">
+                  <dt>Credit Score</dt>
+                  <dd>{{ a.cibilScore }} ({{ cibilBandOf(a.cibilScore) }})</dd>
+                </div>
+                <div class="loan-kv-field">
+                  <dt>Report</dt>
+                  <dd>{{ a.cicReportUploaded ? a.cicReportFileName : 'Not uploaded yet' }}</dd>
+                </div>
+                <div class="loan-kv-field">
+                  <dt>Field Inquiry</dt>
+                  <dd>
+                    {{
+                      a.fiRequestPushed
+                        ? 'Pushed to ' + a.fiAgencyAssigned + ' (' + a.fiRequestDate + ')'
+                        : 'Not pushed yet'
+                    }}
+                  </dd>
+                </div>
+              </dl>
+            }
+            @if (a.cibilScore > 0) {
+              @if (!a.cicReportUploaded) {
+                <div class="loan-action-row">
+                  <label class="pg-btn pg-btn--ghost" style="cursor: pointer">
+                    Upload {{ a.cicBureau }} Report
+                    <input type="file" hidden accept=".pdf,.jpg,.jpeg,.png" (change)="onCicFileSelected($event, a)" />
+                  </label>
+                </div>
+              } @else if (!a.fiRequestPushed) {
+                <div class="loan-action-row">
+                  <button type="button" class="pg-btn pg-btn--ghost" (click)="pushFieldInquiryNow(a)">
+                    Push Field Inquiry to Agency
+                  </button>
+                </div>
+              } @else {
+                <div class="loan-action-row">
+                  <button
+                    type="button"
+                    class="pg-btn pg-btn--primary"
+                    (click)="
+                      proceed(
+                        a,
+                        a.cicBureau +
+                          ' report reviewed — score ' +
+                          a.cibilScore +
+                          ' (' +
+                          cibilBandOf(a.cibilScore) +
+                          ').'
+                      )
+                    "
+                  >
+                    Proceed to Field Investigation
+                  </button>
+                </div>
+              }
+            }
+          </div>
+        </div>
+      }
+
+      <!-- ===================== FIELD INVESTIGATION ===================== -->
+      @if (a.currentStage === 'FIELD_INVESTIGATION') {
+        <div class="pg-card">
+          <div class="pos-section-label">Field Investigation (FI) — Agent Report</div>
+          <div class="loan-action-card">
+            <div class="inv-form-grid">
+              <label class="inv-form-field">
+                <span>Address Verification</span>
+                <select [(ngModel)]="a.addressVerification.status">
+                  <option value="PENDING">Pending</option>
+                  <option value="VERIFIED">Verified</option>
+                  <option value="FAILED">Failed</option>
+                </select>
+              </label>
+              <label class="inv-form-field">
+                <span>Office / Employment Verification</span>
+                <select [(ngModel)]="a.officeVerification.status">
+                  <option value="PENDING">Pending</option>
+                  <option value="VERIFIED">Verified</option>
+                  <option value="FAILED">Failed</option>
+                </select>
+              </label>
+              @if (a.secured) {
+                <label class="inv-form-field">
+                  <span>Property Verification / Valuation</span>
+                  <select [(ngModel)]="a.propertyVerification.status">
+                    <option value="PENDING">Pending</option>
+                    <option value="VERIFIED">Verified</option>
+                    <option value="FAILED">Failed</option>
+                  </select>
+                </label>
+                <label class="inv-form-field">
+                  <span>Property Valuation (₹)</span>
+                  <input type="number" [(ngModel)]="a.propertyValuation" />
+                </label>
+              }
+            </div>
+            <div class="loan-kv-grid" style="padding: 0 0 14px">
+              <div class="loan-kv-field">
+                <dt>Agent Report</dt>
+                <dd>{{ a.agentReportUploaded ? a.agentReportFileName : 'Not uploaded yet' }}</dd>
+              </div>
+            </div>
+            @if (!a.agentReportUploaded) {
+              <div class="loan-action-row">
+                <label class="pg-btn pg-btn--ghost" style="cursor: pointer">
+                  Upload Agent Report
+                  <input
+                    type="file"
+                    hidden
+                    accept=".pdf,.jpg,.jpeg,.png"
+                    (change)="onAgentReportFileSelected($event, a)"
+                  />
+                </label>
+              </div>
+            }
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--primary"
+                [disabled]="!fiComplete(a) || !a.agentReportUploaded"
+                (click)="completeFi(a)"
+              >
+                Record FI &amp; Proceed to Personal Discussion
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== PERSONAL DISCUSSION ===================== -->
+      @if (a.currentStage === 'PERSONAL_DISCUSSION') {
+        <div class="pg-card">
+          <div class="pos-section-label">Personal Discussion with Manager</div>
+          <div class="loan-action-card">
+            <label class="inv-form-field">
+              <span>Discrepancy (if any)</span>
+              <select [(ngModel)]="discrepancySelection">
+                <option value="NONE">No Discrepancy</option>
+                <option value="DOCUMENT_DISCREPANCY">Document Discrepancy</option>
+                <option value="NAME_MISMATCH">Name Mismatch</option>
+                <option value="OFFICE_VERIFICATION_FAILED">Office Verification Failed</option>
+                <option value="PROPERTY_DISCREPANCY">Property Discrepancy</option>
+                <option value="FI_REPORT_DISCREPANCY">FI Report Discrepancy</option>
+                <option value="FAKE_DECLARATION">Fake Declaration Suspected</option>
+              </select>
+            </label>
+            <label class="inv-form-field">
+              <span>Discussion Notes</span>
+              <input type="text" [(ngModel)]="actionRemarks" placeholder="Notes from discussion with manager" />
+            </label>
+            <div class="loan-action-row">
+              @if (discrepancySelection === 'NONE') {
+                <button type="button" class="pg-btn pg-btn--success" (click)="clearPersonalDiscussion(a)">
+                  Clear, Take Declaration &amp; Proceed to Loan Committee
+                </button>
+              } @else {
+                <button type="button" class="pg-btn pg-btn--warn" (click)="flagPersonalDiscussion(a)">
+                  Flag Discrepancy — Hold Application
+                </button>
+              }
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== LOAN COMMITTEE APPROVAL ===================== -->
+      @if (a.currentStage === 'CREDIT_COMMITTEE') {
+        <div class="pg-card">
+          <div class="pos-section-label">Loan Committee Approval — {{ sanctioningAuthorityOf(a) }}</div>
+          <div class="loan-action-card">
+            <p class="pg-sub npa-report-note">Reports Required — present below reports, then complete.</p>
+            <div class="loan-checklist">
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.cicReportUploaded" disabled /> CIBIL / Credit Bureau Report
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.backgroundCheckDone" /> Background Check
+              </label>
+              @if (a.secured) {
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [(ngModel)]="a.cersaiSearchDone" /> CSE — CERSAI Search Enquiry
+                </label>
+              }
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.aadhaarVerified && a.panVerified" disabled /> OVD
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.incomeProofSubmitted" disabled /> Income Proof
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="fiComplete(a)" disabled /> FI Report
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.managerMeetingDone" /> Manager Meeting
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.isShareMember" disabled /> Share Member Approval
+              </label>
+              @if (a.secured) {
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [ngModel]="a.propertyValuation > 0" disabled /> Property Valuation
+                </label>
+              }
+            </div>
+            <label class="inv-form-field">
+              <span>Committee Remarks</span>
+              <input type="text" [(ngModel)]="actionRemarks" placeholder="Remarks" />
+            </label>
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--success"
+                [disabled]="!committeeReportsReady(a)"
+                (click)="approveStage(a, 'creditCommitteeApproval', 'Sanctioning Authority')"
+              >
+                Approve
+              </button>
+              <button
+                type="button"
+                class="pg-btn pg-btn--danger"
+                (click)="rejectStage(a, 'creditCommitteeApproval', 'Sanctioning Authority')"
+              >
+                Reject
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== RISK APPROVAL ===================== -->
+      @if (a.currentStage === 'RISK_APPROVAL') {
+        <div class="pg-card">
+          <div class="pos-section-label">Risk Approval — Verification Checklist</div>
+          <div class="loan-action-card">
+            <div class="loan-checklist">
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.addressVerification.status === 'VERIFIED'" disabled /> ID / Address
+                Verified
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.incomeProofSubmitted" disabled /> Income Proof Verified
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.previousLoanDeclarationDone" /> Previous Loan Declaration
+              </label>
+              @if (a.secured) {
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [(ngModel)]="a.propertySearchReportDone" /> Property Search Report
+                </label>
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [(ngModel)]="a.valuationReportConfirmed" /> Valuation Report
+                </label>
+              }
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="fiComplete(a)" disabled /> FI Report
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [ngModel]="a.backgroundCheckDone" disabled /> Personal Background Check
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.guarantorRequired" /> Guarantor Required
+              </label>
+            </div>
+            @if (a.guarantorRequired) {
+              <label class="inv-form-field">
+                <span>Guarantor Name</span>
+                <input type="text" [(ngModel)]="a.guarantorName" />
+              </label>
+            }
+            <label class="inv-form-field">
+              <span>Risk Remarks</span>
+              <input
+                type="text"
+                [(ngModel)]="actionRemarks"
+                placeholder="ID/address, income adequacy, previous-loan declaration"
+              />
+            </label>
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--success"
+                [disabled]="!riskChecklistReady(a)"
+                (click)="approveStage(a, 'riskApproval', 'Risk Approval')"
+              >
+                Approve
+              </button>
+              <button
+                type="button"
+                class="pg-btn pg-btn--danger"
+                (click)="rejectStage(a, 'riskApproval', 'Risk Approval')"
+              >
+                Reject
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== LEGAL APPROVAL ===================== -->
+      @if (a.currentStage === 'LEGAL_APPROVAL') {
+        <div class="pg-card">
+          <div class="pos-section-label">Legal Approval — Fees &amp; A/c Opened By</div>
+          <div class="loan-action-card">
+            <div class="loan-checklist">
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.feesAndAccountOpened" /> Fees &amp; A/c Opening Done
+              </label>
+              @if (a.secured) {
+                <label class="loan-checklist-item">
+                  <input type="checkbox" [(ngModel)]="a.mortgageCreated" /> Mortgage Created
+                </label>
+              }
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.legalStampDone" /> Legal Stamp Done
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.fileFilingDone" /> File Filing Done
+              </label>
+            </div>
+            <label class="inv-form-field">
+              <span>Agreement Signing Slot</span>
+              <input type="text" [(ngModel)]="a.agreementSigningSlot" placeholder="DD-MM-YYYY" />
+            </label>
+            <label class="inv-form-field">
+              <span>Legal Remarks</span>
+              <input type="text" [(ngModel)]="actionRemarks" placeholder="Remarks" />
+            </label>
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--success"
+                [disabled]="!legalChecklistDone(a)"
+                (click)="approveStage(a, 'legalApproval', 'Legal Approval')"
+              >
+                Approve &amp; Allot Signing Slot
+              </button>
+              <button
+                type="button"
+                class="pg-btn pg-btn--danger"
+                (click)="rejectStage(a, 'legalApproval', 'Legal Approval')"
+              >
+                Reject
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== CUSTOMER SIGNING SLOT ===================== -->
+      @if (a.currentStage === 'CUSTOMER_SIGNING') {
+        <div class="pg-card">
+          <div class="pos-section-label">Customer Signing Slot — {{ a.agreementSigningSlot }}</div>
+          <div class="loan-action-card">
+            <p>Loan Agreement and Sanction Letter ready for the customer's acknowledgement and signature.</p>
+            <div class="loan-action-row">
+              <button type="button" class="pg-btn pg-btn--primary" (click)="markSigned(a)">
+                Mark Signed by Customer
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== CHEQUE RECEIVED / ACH SIGN ===================== -->
+      @if (a.currentStage === 'CHEQUE_ACH') {
+        <div class="pg-card">
+          <div class="pos-section-label">Cheque Received / ACH Sign</div>
+          <div class="loan-action-card">
+            <div class="loan-checklist">
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.chequeReceived" /> Cheque Received
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.achSigned" /> ACH Mandate Signed
+              </label>
+            </div>
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--primary"
+                [disabled]="!a.chequeReceived || !a.achSigned"
+                (click)="confirmChequeAndProceed(a)"
+              >
+                Confirm &amp; Proceed to Post-Disbursement Check
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== POST-DISBURSEMENT CHECK ===================== -->
+      @if (a.currentStage === 'POST_CHECK') {
+        <div class="pg-card">
+          <div class="pos-section-label">Post-Disbursement Check — Final Compliance Gate</div>
+          <div class="loan-action-card">
+            <p class="pg-sub npa-report-note">Document Signing by:</p>
+            <div class="loan-checklist">
+              <label class="loan-checklist-item"> <input type="checkbox" [(ngModel)]="a.signedByAgent" /> Agent </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.signedByManager" /> Manager
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.signedByCommittee" /> Committee
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.signedByRiskApproval" /> Risk Approval
+              </label>
+              <label class="loan-checklist-item">
+                <input type="checkbox" [(ngModel)]="a.signedByLegalApproval" /> Legal Approval
+              </label>
+            </div>
+            <label class="inv-form-field">
+              <span>Remarks</span>
+              <input type="text" [(ngModel)]="actionRemarks" placeholder="Remarks" />
+            </label>
+            <div class="loan-action-row">
+              <button
+                type="button"
+                class="pg-btn pg-btn--success"
+                [disabled]="!postCheckSignaturesDone(a)"
+                (click)="approveStage(a, 'postCheckApproval', 'Post-Disbursement Check')"
+              >
+                Clear for Disbursement
+              </button>
+              <button type="button" class="pg-btn pg-btn--warn" (click)="exceptionApprove(a)">
+                Approve on Exception
+              </button>
+              <button
+                type="button"
+                class="pg-btn pg-btn--danger"
+                (click)="rejectStage(a, 'postCheckApproval', 'Post-Disbursement Check')"
+              >
+                Reject
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+
+      <!-- ===================== DISBURSEMENT ===================== -->
+      @if (a.currentStage === 'DISBURSED') {
+        <div class="pg-card">
+          <div class="pos-section-label">Ready for Disbursement</div>
+          <div class="loan-action-card">
+            <label class="inv-form-field">
+              <span>Disbursement Mode</span>
+              <select [(ngModel)]="disbursementMode">
+                <option value="Account Credit">Account Credit</option>
+                <option value="NEFT">NEFT</option>
+                <option value="RTGS">RTGS</option>
+              </select>
+            </label>
+            <p class="pg-sub npa-report-note">
+              Disbursing also confirms EMI Activation for this account in the same step.
+            </p>
+            <div class="loan-action-row">
+              <button type="button" class="pg-btn pg-btn--success" (click)="disburseNow(a)">
+                Disburse Now &amp; Confirm EMI Activation
+              </button>
+            </div>
+          </div>
+        </div>
+      }
+    }
+
+    <div class="pg-card">
+      <div class="pos-section-label">Approval Summary</div>
+      <div class="loan-approval-summary">
+        <div
+          class="loan-approval-tile"
+          [class.loan-approval-tile--approved]="
+            a.creditCommitteeApproval.decision === 'APPROVED' ||
+            a.creditCommitteeApproval.decision === 'EXCEPTION_APPROVED'
+          "
+          [class.loan-approval-tile--rejected]="a.creditCommitteeApproval.decision === 'REJECTED'"
+          [class.loan-approval-tile--pending]="a.creditCommitteeApproval.decision === 'PENDING'"
+        >
+          <span class="loan-approval-tile__role">Loan Committee</span>
+          <span class="loan-approval-tile__decision">{{ a.creditCommitteeApproval.decision }}</span>
+          <span>{{ a.creditCommitteeApproval.approverName }} · {{ a.creditCommitteeApproval.date }}</span>
+          <span>{{ a.creditCommitteeApproval.remarks }}</span>
+        </div>
+        <div
+          class="loan-approval-tile"
+          [class.loan-approval-tile--approved]="
+            a.riskApproval.decision === 'APPROVED' || a.riskApproval.decision === 'EXCEPTION_APPROVED'
+          "
+          [class.loan-approval-tile--rejected]="a.riskApproval.decision === 'REJECTED'"
+          [class.loan-approval-tile--pending]="a.riskApproval.decision === 'PENDING'"
+        >
+          <span class="loan-approval-tile__role">Risk Approval</span>
+          <span class="loan-approval-tile__decision">{{ a.riskApproval.decision }}</span>
+          <span>{{ a.riskApproval.approverName }} · {{ a.riskApproval.date }}</span>
+          <span>{{ a.riskApproval.remarks }}</span>
+        </div>
+        <div
+          class="loan-approval-tile"
+          [class.loan-approval-tile--approved]="
+            a.legalApproval.decision === 'APPROVED' || a.legalApproval.decision === 'EXCEPTION_APPROVED'
+          "
+          [class.loan-approval-tile--rejected]="a.legalApproval.decision === 'REJECTED'"
+          [class.loan-approval-tile--pending]="a.legalApproval.decision === 'PENDING'"
+        >
+          <span class="loan-approval-tile__role">Legal Approval</span>
+          <span class="loan-approval-tile__decision">{{ a.legalApproval.decision }}</span>
+          <span>{{ a.legalApproval.approverName }} · {{ a.legalApproval.date }}</span>
+          <span>{{ a.legalApproval.remarks }}</span>
+        </div>
+        <div
+          class="loan-approval-tile"
+          [class.loan-approval-tile--approved]="
+            a.postCheckApproval.decision === 'APPROVED' || a.postCheckApproval.decision === 'EXCEPTION_APPROVED'
+          "
+          [class.loan-approval-tile--rejected]="a.postCheckApproval.decision === 'REJECTED'"
+          [class.loan-approval-tile--pending]="a.postCheckApproval.decision === 'PENDING'"
+        >
+          <span class="loan-approval-tile__role">Post-Disbursement Check</span>
+          <span class="loan-approval-tile__decision">{{ a.postCheckApproval.decision }}</span>
+          <span>{{ a.postCheckApproval.approverName }} · {{ a.postCheckApproval.date }}</span>
+          <span>{{ a.postCheckApproval.remarks }}</span>
+        </div>
+      </div>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Application Journey — Date-wise Audit Trail</div>
+      <div class="npa-timeline" style="padding: 4px 18px 18px">
+        @for (h of a.stageHistory; track h.date + h.stage + h.outcome) {
+          <div [class]="historyToneClass(h.outcome)">
+            <span class="npa-timeline-item__icon">{{ stepMarker(a, h.stage) }}</span>
+            <div class="npa-timeline-item__body">
+              <div class="npa-timeline-item__row">
+                <span class="npa-timeline-item__type">{{ stageLabels[h.stage] }} — {{ h.outcome }}</span>
+                <span class="npa-timeline-item__date">{{ h.date }}</span>
+              </div>
+              <p class="npa-timeline-item__remarks">{{ h.remarks }}</p>
+              <span class="npa-timeline-item__channel">{{ h.actionBy }}</span>
+            </div>
+          </div>
+        } @empty {
+          <p class="pg-empty">No activity recorded yet.</p>
+        }
+      </div>
+    </div>
+  } @else {
+    <div class="pg-card">
+      <div class="pos-section-label">Application Not Found</div>
+      <div class="loan-action-card">
+        <button type="button" class="pg-btn pg-btn--ghost" (click)="goBack()">‹ Back to Pipeline</button>
+      </div>
+    </div>
+  }
+</div>

src/app/loan-origination/application-detail/application-detail.component.ts

@@ -0,0 +1,418 @@
+/**
+ * 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, OnDestroy, OnInit, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { ActivatedRoute, Router, RouterModule } from '@angular/router';
+import { Subscription } from 'rxjs';
+import { AuthenticationService } from '../../core/authentication/authentication.service';
+import {
+  ApprovalField,
+  BRANCHES,
+  BranchMaster,
+  DiscrepancyType,
+  DISCREPANCY_LABELS,
+  EmiScheduleRow,
+  LoanApplication,
+  LOAN_APPLICATIONS,
+  OriginationStage,
+  STAGE_LABELS,
+  STAGE_ORDER,
+  STATUS_LABELS,
+  allotShareMembership,
+  buildEmiSchedule,
+  calcEligibleAmount,
+  calculateEmi,
+  checkCreditScore,
+  cibilBand,
+  CIC_BUREAUS,
+  clearPersonalDiscussionAndProceed,
+  confirmChequeAch,
+  decideApproval,
+  disburseApplication,
+  flagDiscrepancy,
+  isRevolvingProduct,
+  markCustomerSigned,
+  progressPct,
+  pushFieldInquiry,
+  resolveDiscrepancyAndProceed,
+  sanctioningAuthority,
+  setMonthlyIncome,
+  stageBadgeClass,
+  stageIndex,
+  proceedToNextStage,
+  recordVerification,
+  todayDDMMYYYY,
+  uploadAgentReport,
+  uploadCicReport
+} from '../loan-origination-data';
+
+/**
+ * A single application's full sanctioning journey — the stage stepper, the current stage's
+ * action card (checklist / CIC upload / Field Investigation / Committee-Risk-Legal approval /
+ * signing / disbursement), and the complete date-wise audit trail. Every action here mutates the
+ * SAME LoanApplication object the Pipeline list reads, so the two screens can never disagree.
+ */
+@Component({
+  selector: 'mifosx-application-detail',
+  templateUrl: './application-detail.component.html',
+  styleUrls: [
+    '../../cashier/cashier-shared.scss',
+    '../../investment/investment-shared.scss',
+    '../../npa/npa-shared.scss',
+    '../loan-origination-shared.scss'
+  ],
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule
+  ]
+})
+export class ApplicationDetailComponent implements OnInit, OnDestroy {
+  readonly stageOrder = STAGE_ORDER;
+  readonly stageLabels = STAGE_LABELS;
+  readonly statusLabels = STATUS_LABELS;
+  readonly discrepancyLabels = DISCREPANCY_LABELS;
+  asOnDate = todayDDMMYYYY();
+
+  application: LoanApplication | undefined;
+
+  /** Shared remarks box for whichever action card is currently on screen. */
+  actionRemarks = '';
+  discrepancySelection: DiscrepancyType = 'NONE';
+  disbursementMode = 'Account Credit';
+  /** KYC stage's Monthly Income entry field — blank until the officer keys it in. */
+  monthlyIncomeInput: number | null = null;
+
+  currentUserName = 'Branch User';
+
+  /** True for a Head Office login, which can open any branch's application — a branch-level
+   *  login is locked to its own branch, the same split every other report in the app uses. */
+  isHeadOffice = false;
+  private ownBranchCode: string | null = null;
+
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+  private readonly auth = inject(AuthenticationService);
+  private sub?: Subscription;
+
+  ngOnInit(): void {
+    const creds = this.auth.getCredentials();
+    this.currentUserName = creds?.username || 'Branch User';
+    this.isHeadOffice = this.auth.isHeadOfficeUser();
+    if (!this.isHeadOffice) {
+      const officeName = creds?.officeName || '';
+      this.ownBranchCode =
+        BRANCHES.find((b: BranchMaster) => officeName.toLowerCase().includes(b.name.toLowerCase()))?.code || null;
+    }
+    this.sub = this.route.paramMap.subscribe((params) => {
+      const applicationNo = params.get('applicationNo');
+      const found = LOAN_APPLICATIONS.find((a) => a.applicationNo === applicationNo);
+      // A branch-level login can only open applications belonging to its own branch — treated
+      // exactly like "not found" rather than a distinct "access denied", so it doesn't reveal
+      // that a differently-branched application exists at all.
+      this.application = found && !this.isHeadOffice && found.branchCode !== this.ownBranchCode ? undefined : found;
+      this.actionRemarks = '';
+      this.discrepancySelection = 'NONE';
+      this.monthlyIncomeInput = this.application?.monthlyIncome || null;
+    });
+  }
+
+  ngOnDestroy(): void {
+    this.sub?.unsubscribe();
+  }
+
+  goBack(): void {
+    this.router.navigate(['/loan-origination/pipeline']);
+  }
+
+  // -------------------- Stepper --------------------
+  stepStatusClass(a: LoanApplication, stage: OriginationStage): string {
+    const idx = stageIndex(stage);
+    const curIdx = stageIndex(a.currentStage);
+    if (stage === a.currentStage && a.overallStatus === 'REJECTED') {
+      return 'loan-step loan-step--rejected';
+    }
+    if (stage === a.currentStage && a.overallStatus === 'ON_HOLD') {
+      return 'loan-step loan-step--hold';
+    }
+    if (idx < curIdx || (idx === curIdx && a.overallStatus === 'DISBURSED')) {
+      return 'loan-step loan-step--done';
+    }
+    if (idx === curIdx) {
+      return 'loan-step loan-step--current';
+    }
+    return 'loan-step';
+  }
+
+  stepMarker(a: LoanApplication, stage: OriginationStage): string {
+    const idx = stageIndex(stage);
+    const curIdx = stageIndex(a.currentStage);
+    if (idx < curIdx || (idx === curIdx && a.overallStatus === 'DISBURSED')) {
+      return '✓';
+    }
+    return String(idx + 1);
+  }
+
+  progress(a: LoanApplication): number {
+    return progressPct(a);
+  }
+
+  /** Colours an audit-trail entry's icon badge by what actually happened — a rejection/hold
+   *  reads as an alert, everything else (approvals, verifications, uploads, signings) reads
+   *  as positive progress. */
+  historyToneClass(outcome: string): string {
+    if (/reject|hold/i.test(outcome)) {
+      return 'npa-timeline-item npa-timeline-item--alert';
+    }
+    return 'npa-timeline-item npa-timeline-item--positive';
+  }
+
+  badgeClass(a: LoanApplication): string {
+    return stageBadgeClass(a);
+  }
+
+  cibilBandOf(score: number): string {
+    return cibilBand(score);
+  }
+
+  readonly cicBureaus = CIC_BUREAUS;
+
+  checkCreditScoreNow(a: LoanApplication): void {
+    checkCreditScore(a, this.currentUserName);
+  }
+
+  sanctioningAuthorityOf(a: LoanApplication): string {
+    return sanctioningAuthority(a.requestedAmount);
+  }
+
+  // -------------------- Generic stage-advance actions --------------------
+  proceed(a: LoanApplication, remarks: string): void {
+    proceedToNextStage(a, this.currentUserName, remarks);
+  }
+
+  // -------------------- KYC & Documents --------------------
+  /** Live preview of what Eligible Loan Amount would be for whatever's currently typed into the
+   *  Monthly Income box — before the officer actually commits it via "Assess Income". */
+  eligiblePreview(a: LoanApplication): number {
+    return calcEligibleAmount(this.monthlyIncomeInput || 0, a.productCode);
+  }
+
+  setIncomeNow(a: LoanApplication): void {
+    if (!this.monthlyIncomeInput || this.monthlyIncomeInput <= 0) {
+      return;
+    }
+    setMonthlyIncome(a, this.monthlyIncomeInput, this.currentUserName);
+  }
+
+  allKycDone(a: LoanApplication): boolean {
+    const base =
+      a.aadhaarVerified &&
+      a.panVerified &&
+      a.aadhaarFingerprintCaptured &&
+      a.incomeProofSubmitted &&
+      a.bankStatementSubmitted &&
+      a.electricityBillSubmitted &&
+      a.monthlyIncome > 0;
+    return a.secured ? base && a.propertyDetailsSubmitted && a.taxReceiptSubmitted : base;
+  }
+
+  // -------------------- Field Investigation --------------------
+  fiComplete(a: LoanApplication): boolean {
+    const addressOk = a.addressVerification.status === 'VERIFIED';
+    const officeOk = a.officeVerification.status === 'VERIFIED';
+    const propertyOk = !a.secured || a.propertyVerification.status === 'VERIFIED';
+    return addressOk && officeOk && propertyOk;
+  }
+
+  completeFi(a: LoanApplication): void {
+    const agent = 'Field Verification Team';
+    const keys: Array<'addressVerification' | 'officeVerification' | 'propertyVerification'> = [
+      'addressVerification',
+      'officeVerification',
+      'propertyVerification'
+    ];
+    for (const key of keys) {
+      if (a[key].status !== 'PENDING') {
+        recordVerification(
+          a,
+          key,
+          a[key].status,
+          agent,
+          a[key].remarks === '—' ? `${key} recorded on FI visit.` : a[key].remarks
+        );
+      }
+    }
+    this.proceed(a, 'Field Investigation completed — Agent Report filed.');
+  }
+
+  // -------------------- Personal Discussion --------------------
+  clearPersonalDiscussion(a: LoanApplication): void {
+    clearPersonalDiscussionAndProceed(
+      a,
+      this.currentUserName,
+      this.actionRemarks.trim() || 'No discrepancy found — cleared to proceed to Loan Committee.'
+    );
+    this.actionRemarks = '';
+  }
+
+  flagPersonalDiscussion(a: LoanApplication): void {
+    const notes =
+      this.actionRemarks.trim() ||
+      `${this.discrepancyLabels[this.discrepancySelection]} flagged during personal discussion — held pending resolution.`;
+    flagDiscrepancy(a, this.discrepancySelection, this.currentUserName, notes);
+    this.actionRemarks = '';
+    this.discrepancySelection = 'NONE';
+  }
+
+  resolveDiscrepancy(a: LoanApplication): void {
+    resolveDiscrepancyAndProceed(
+      a,
+      this.currentUserName,
+      this.actionRemarks.trim() || 'Discrepancy resolved on further review — cleared to proceed.'
+    );
+    this.actionRemarks = '';
+  }
+
+  // -------------------- Share Membership --------------------
+  allotMembership(a: LoanApplication): void {
+    allotShareMembership(a, this.currentUserName);
+  }
+
+  // -------------------- Approvals (Credit Committee / Risk / Legal / Post-Check) --------------------
+  approveStage(a: LoanApplication, field: ApprovalField, approverRole: string): void {
+    decideApproval(
+      a,
+      field,
+      'APPROVED',
+      this.currentUserName,
+      approverRole,
+      this.actionRemarks.trim() || 'Reviewed and approved.'
+    );
+    this.actionRemarks = '';
+  }
+
+  rejectStage(a: LoanApplication, field: ApprovalField, approverRole: string): void {
+    decideApproval(
+      a,
+      field,
+      'REJECTED',
+      this.currentUserName,
+      approverRole,
+      this.actionRemarks.trim() || 'Declined on review.'
+    );
+    this.actionRemarks = '';
+  }
+
+  exceptionApprove(a: LoanApplication): void {
+    decideApproval(
+      a,
+      'postCheckApproval',
+      'EXCEPTION_APPROVED',
+      this.currentUserName,
+      'Post-Disbursement Check',
+      this.actionRemarks.trim() || 'Approved on exception — minor gap noted and accepted.'
+    );
+    this.actionRemarks = '';
+  }
+
+  legalChecklistDone(a: LoanApplication): boolean {
+    return a.feesAndAccountOpened && (!a.secured || a.mortgageCreated) && a.legalStampDone && a.fileFilingDone;
+  }
+
+  committeeReportsReady(a: LoanApplication): boolean {
+    return (
+      a.cicReportUploaded &&
+      a.backgroundCheckDone &&
+      (!a.secured || a.cersaiSearchDone) &&
+      a.aadhaarVerified &&
+      a.panVerified &&
+      a.incomeProofSubmitted &&
+      this.fiComplete(a) &&
+      a.managerMeetingDone
+    );
+  }
+
+  riskChecklistReady(a: LoanApplication): boolean {
+    return (
+      a.addressVerification.status === 'VERIFIED' &&
+      a.incomeProofSubmitted &&
+      a.previousLoanDeclarationDone &&
+      (!a.secured || (a.propertySearchReportDone && a.valuationReportConfirmed)) &&
+      this.fiComplete(a) &&
+      a.backgroundCheckDone
+    );
+  }
+
+  postCheckSignaturesDone(a: LoanApplication): boolean {
+    return (
+      a.signedByAgent && a.signedByManager && a.signedByCommittee && a.signedByRiskApproval && a.signedByLegalApproval
+    );
+  }
+
+  // -------------------- CIC Upload --------------------
+  onCicFileSelected(event: Event, a: LoanApplication): void {
+    const input = event.target as HTMLInputElement;
+    const file = input.files?.[0];
+    if (!file) {
+      return;
+    }
+    uploadCicReport(a, file.name, this.currentUserName);
+    input.value = '';
+  }
+
+  pushFieldInquiryNow(a: LoanApplication): void {
+    pushFieldInquiry(a, 'Field Verification Team', this.currentUserName);
+  }
+
+  onAgentReportFileSelected(event: Event, a: LoanApplication): void {
+    const input = event.target as HTMLInputElement;
+    const file = input.files?.[0];
+    if (!file) {
+      return;
+    }
+    uploadAgentReport(a, file.name, this.currentUserName);
+    input.value = '';
+  }
+
+  // -------------------- Signing / Cheque-ACH / Disbursement --------------------
+  markSigned(a: LoanApplication): void {
+    markCustomerSigned(a, a.applicantName);
+  }
+
+  confirmChequeAndProceed(a: LoanApplication): void {
+    confirmChequeAch(a, this.currentUserName);
+  }
+
+  disburseNow(a: LoanApplication): void {
+    disburseApplication(a, this.currentUserName, this.disbursementMode);
+  }
+
+  // -------------------- EMI Repayment Schedule (once disbursed) --------------------
+  isRevolving(a: LoanApplication): boolean {
+    return isRevolvingProduct(a.productCode);
+  }
+
+  emiAmountFor(a: LoanApplication): number {
+    return calculateEmi(a.requestedAmount, a.interestRate, a.tenureMonths);
+  }
+
+  emiScheduleFor(a: LoanApplication): EmiScheduleRow[] {
+    return buildEmiSchedule(a.requestedAmount, a.interestRate, a.tenureMonths, a.disbursementDate);
+  }
+
+  totalInterestFor(a: LoanApplication): number {
+    return this.emiScheduleFor(a).reduce((s, r) => s + r.interestComponent, 0);
+  }
+
+  totalPayableFor(a: LoanApplication): number {
+    return a.requestedAmount + this.totalInterestFor(a);
+  }
+}

src/app/loan-origination/loan-origination-routing.module.ts

@@ -0,0 +1,46 @@
+/**
+ * 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 { NgModule } from '@angular/core';
+import { Routes, RouterModule } from '@angular/router';
+
+import { Route } from '../core/route/route.service';
+import { LoanPipelineComponent } from './loan-pipeline/loan-pipeline.component';
+import { ApplicationDetailComponent } from './application-detail/application-detail.component';
+
+const routes: Routes = [
+  Route.withShell([
+    {
+      path: 'loan-origination',
+      data: { title: 'Loan Origination', breadcrumb: 'Loan Origination' },
+      children: [
+        {
+          path: '',
+          redirectTo: 'pipeline',
+          pathMatch: 'full'
+        },
+        {
+          path: 'pipeline',
+          component: LoanPipelineComponent,
+          data: { title: 'Loan Origination Pipeline', breadcrumb: 'Pipeline' }
+        },
+        {
+          path: 'application/:applicationNo',
+          component: ApplicationDetailComponent,
+          data: { title: 'Loan Application', breadcrumb: 'Application' }
+        }
+      ]
+    }
+  ])
+];
+
+@NgModule({
+  imports: [RouterModule.forChild(routes)],
+  exports: [RouterModule]
+})
+export class LoanOriginationRoutingModule {}

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

@@ -0,0 +1,322 @@
+/**
+ * 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/.
+ */
+
+// Loan Origination-specific styling layered on top of ../cashier/cashier-shared.scss (pg-*,
+// cctr-*) and ../npa/npa-shared.scss (npa-timeline-* — reused as-is for the application's stage
+// history/audit trail, since it's the same generic "date-led event log" primitive already built
+// for the NPA Recovery Journey popup, not NPA-specific).
+
+// EMI Repayment Schedule can run to 240 rows (a 20-year Housing Loan) — scrolls within a fixed
+// height with the header pinned, rather than pushing the rest of the page far down.
+.loan-emi-table-scroll {
+  max-height: 420px;
+  overflow-y: auto;
+
+  thead th {
+    position: sticky;
+    top: 0;
+    z-index: 1;
+    background: #fff;
+  }
+}
+
+.loan-badge {
+  display: inline-flex;
+  align-items: center;
+  padding: 3px 10px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  white-space: nowrap;
+
+  &--progress {
+    background: #eff6ff;
+    color: #1d4ed8;
+    border: 1px solid #bfdbfe;
+  }
+
+  &--hold {
+    background: #fffbeb;
+    color: #b45309;
+    border: 1px solid #fde68a;
+  }
+
+  &--rejected {
+    background: #fef2f2;
+    color: #dc2626;
+    border: 1px solid #fecaca;
+  }
+
+  &--disbursed {
+    background: #f0fdf4;
+    color: #15803d;
+    border: 1px solid #bbf7d0;
+  }
+}
+
+.pg-btn--success {
+  background: linear-gradient(135deg, #22c55e, #15803d);
+  color: #fff;
+
+  &:disabled {
+    opacity: 0.45;
+    cursor: not-allowed;
+  }
+}
+
+.pg-btn--danger {
+  background: #fff;
+  border-color: #fecaca;
+  color: #dc2626;
+
+  &:hover {
+    background: #fef2f2;
+  }
+
+  &:disabled {
+    opacity: 0.45;
+    cursor: not-allowed;
+  }
+}
+
+.pg-btn--warn {
+  background: #fff;
+  border-color: #fde68a;
+  color: #b45309;
+
+  &:hover {
+    background: #fffbeb;
+  }
+}
+
+// ---------------------------------------------------------------------------
+// Stage stepper — the 12-stage sanctioning pipeline, drawn as a connected row of
+// dots so an application's progress reads at a glance.
+// ---------------------------------------------------------------------------
+.loan-stepper {
+  display: flex;
+  align-items: flex-start;
+  overflow-x: auto;
+  padding: 22px 18px 16px;
+}
+
+.loan-step {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  flex: 1;
+  min-width: 90px;
+  position: relative;
+
+  &__connector {
+    position: absolute;
+    top: 15px;
+    left: -50%;
+    width: 100%;
+    height: 2px;
+    background: #e2e8f0;
+    z-index: 0;
+  }
+
+  &:first-child &__connector {
+    display: none;
+  }
+
+  &__dot {
+    position: relative;
+    z-index: 1;
+    width: 32px;
+    height: 32px;
+    border-radius: 999px;
+    display: inline-flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 12px;
+    font-weight: 700;
+    background: #f1f5f9;
+    color: #94a3b8;
+    border: 2px solid #e2e8f0;
+  }
+
+  &__label {
+    margin-top: 8px;
+    font-size: 10.5px;
+    text-align: center;
+    color: #64748b;
+    font-weight: 600;
+    line-height: 1.3;
+    max-width: 92px;
+  }
+
+  &--done {
+    .loan-step__dot {
+      background: #15803d;
+      border-color: #15803d;
+      color: #fff;
+    }
+
+    .loan-step__connector {
+      background: #86efac;
+    }
+
+    .loan-step__label {
+      color: #15803d;
+    }
+  }
+
+  &--current {
+    .loan-step__dot {
+      background: #4338ca;
+      border-color: #4338ca;
+      color: #fff;
+      box-shadow: 0 0 0 4px rgb(67 56 202 / 15%);
+    }
+
+    .loan-step__label {
+      color: #4338ca;
+      font-weight: 800;
+    }
+  }
+
+  &--rejected {
+    .loan-step__dot {
+      background: #dc2626;
+      border-color: #dc2626;
+      color: #fff;
+    }
+
+    .loan-step__label {
+      color: #dc2626;
+    }
+  }
+
+  &--hold {
+    .loan-step__dot {
+      background: #d97706;
+      border-color: #d97706;
+      color: #fff;
+    }
+
+    .loan-step__label {
+      color: #d97706;
+    }
+  }
+}
+
+// ---------------------------------------------------------------------------
+// Action card — the current stage's checklist/inputs and Approve/Reject buttons.
+// ---------------------------------------------------------------------------
+.loan-action-card {
+  background: #f8fafc;
+  border: 1px solid #e2e8f0;
+  border-radius: 12px;
+  padding: 16px 18px;
+  margin: 0 16px 16px;
+}
+
+.loan-checklist {
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+  margin-bottom: 14px;
+}
+
+.loan-checklist-item {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  font-size: 13px;
+  color: #1e293b;
+
+  // stylelint-disable-next-line selector-no-qualifying-type
+  input[type='checkbox'] {
+    width: 16px;
+    height: 16px;
+    accent-color: #4338ca;
+  }
+}
+
+.loan-action-row {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  flex-wrap: wrap;
+  margin-top: 12px;
+}
+
+.loan-kv-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
+  gap: 12px 20px;
+  padding: 18px;
+}
+
+.loan-kv-field {
+  display: flex;
+  flex-direction: column;
+  gap: 3px;
+
+  dt {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.06em;
+    color: #64748b;
+  }
+
+  dd {
+    margin: 0;
+    font-size: 14px;
+    font-weight: 600;
+    color: #0d1b2a;
+    font-variant-numeric: tabular-nums;
+  }
+}
+
+.loan-approval-summary {
+  display: grid;
+  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
+  gap: 12px;
+  padding: 4px 18px 18px;
+}
+
+.loan-approval-tile {
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  padding: 12px 14px;
+  display: flex;
+  flex-direction: column;
+  gap: 4px;
+
+  &__role {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: #64748b;
+  }
+
+  &__decision {
+    font-size: 13px;
+    font-weight: 700;
+  }
+
+  &--approved .loan-approval-tile__decision {
+    color: #15803d;
+  }
+
+  &--rejected .loan-approval-tile__decision {
+    color: #dc2626;
+  }
+
+  &--pending .loan-approval-tile__decision {
+    color: #94a3b8;
+  }
+}

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

@@ -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/.
+ */
+
+import { NgModule } from '@angular/core';
+
+import { SharedModule } from '../shared/shared.module';
+import { LoanOriginationRoutingModule } from './loan-origination-routing.module';
+import { LoanPipelineComponent } from './loan-pipeline/loan-pipeline.component';
+import { ApplicationDetailComponent } from './application-detail/application-detail.component';
+
+@NgModule({
+  imports: [
+    SharedModule,
+    LoanOriginationRoutingModule,
+    LoanPipelineComponent,
+    ApplicationDetailComponent
+  ]
+})
+export class LoanOriginationModule {}

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

@@ -0,0 +1,570 @@
+<!--
+  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="pg">
+  <header class="pg-head">
+    <div>
+      <div class="pg-eyebrow">CREDIT · LOAN ORIGINATION · {{ scopeName | uppercase }}</div>
+      <h1 class="pg-title">Loan Origination Pipeline</h1>
+      <p class="pg-sub npa-report-note">
+        Every sanctioning stage from application intake to disbursement — KYC/OVD, CIC credit check, Field
+        Investigation, Personal Discussion, Credit Committee, Risk &amp; Legal Approval — as on {{ asOnDate }}.
+      </p>
+    </div>
+    <div class="pg-toolbar">
+      @if (isHeadOffice) {
+        <label class="pg-field">
+          <span>Branch</span>
+          <select class="pg-select" [ngModel]="branchFilter" (ngModelChange)="setBranch($event)">
+            <option value="">-- All Branches --</option>
+            @for (b of branches; track b.code) {
+              <option [value]="b.code">{{ b.name }}</option>
+            }
+          </select>
+        </label>
+      } @else {
+        <label class="pg-field">
+          <span>Branch</span>
+          <span class="pg-chip">{{ scopeName }}</span>
+        </label>
+      }
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
+    </div>
+  </header>
+
+  <div class="inv-kpis npa-kpis--ratio">
+    <div class="inv-kpi">
+      <span class="inv-kpi__label">Total Applications</span>
+      <span class="inv-kpi__value">{{ totalApplications }}</span>
+      <span class="inv-kpi__sub">in the active pipeline</span>
+    </div>
+    <div class="inv-kpi">
+      <span class="inv-kpi__label">In Progress</span>
+      <span class="inv-kpi__value">{{ inProgressCount }}</span>
+      <span class="inv-kpi__sub">moving through the workflow</span>
+    </div>
+    <div class="inv-kpi">
+      <span class="inv-kpi__label">On Hold</span>
+      <span class="inv-kpi__value npa-warn">{{ onHoldCount }}</span>
+      <span class="inv-kpi__sub">discrepancy under resolution</span>
+    </div>
+    <div class="inv-kpi">
+      <span class="inv-kpi__label">Rejected</span>
+      <span class="inv-kpi__value npa-warn">{{ rejectedCount }}</span>
+      <span class="inv-kpi__sub">declined at Committee/Risk</span>
+    </div>
+    <div class="inv-kpi">
+      <span class="inv-kpi__label">Disbursed</span>
+      <span class="inv-kpi__value">{{ disbursedApplications.length }}</span>
+      <span class="inv-kpi__sub">₹{{ disbursedAmount | number: '1.0-0' }} total</span>
+    </div>
+  </div>
+
+  <div class="cctr-tabs">
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'pipeline'"
+      (click)="setView('pipeline')"
+    >
+      Pipeline
+    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'new'"
+      (click)="setView('new')"
+    >
+      New Application
+    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'channel'"
+      (click)="setView('channel')"
+    >
+      Channel-wise Report
+    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'bc'"
+      (click)="setView('bc')"
+    >
+      BC-wise Report
+    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'share'"
+      (click)="setView('share')"
+    >
+      Share Member Report
+    </button>
+    <button
+      type="button"
+      class="pg-btn pg-btn--ghost"
+      [class.pg-btn--active]="activeView === 'target'"
+      (click)="setView('target')"
+    >
+      Target vs Actual
+    </button>
+  </div>
+
+  <!-- ===================== PIPELINE ===================== -->
+  @if (activeView === 'pipeline') {
+    <div class="pg-card">
+      <div class="pos-section-label">Filters</div>
+      <div class="inv-form-grid">
+        <label class="inv-form-field">
+          <span>Channel</span>
+          <select [(ngModel)]="channelFilter" (ngModelChange)="currentPage = 1">
+            <option value="">-- All --</option>
+            <option value="BRANCH">Branch</option>
+            <option value="BC">Business Correspondent (BC)</option>
+            <option value="SELF_APPLY">Self-Apply (Digital)</option>
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>Stage</span>
+          <select [(ngModel)]="stageFilter" (ngModelChange)="currentPage = 1">
+            <option value="">-- All --</option>
+            @for (s of stageOrder; track s) {
+              <option [value]="s">{{ stageLabels[s] }}</option>
+            }
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>Status</span>
+          <select [(ngModel)]="statusFilter" (ngModelChange)="currentPage = 1">
+            <option value="">-- All --</option>
+            <option value="IN_PROGRESS">In Progress</option>
+            <option value="ON_HOLD">On Hold</option>
+            <option value="REJECTED">Rejected</option>
+            <option value="DISBURSED">Disbursed</option>
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>Search (Application No / Applicant)</span>
+          <input
+            type="text"
+            [(ngModel)]="searchText"
+            (ngModelChange)="currentPage = 1"
+            placeholder="e.g. Ramesh, LN0102..."
+          />
+        </label>
+      </div>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Applications ({{ filteredApplications.length }})</div>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Application No</th>
+              <th>Applicant</th>
+              <th>Branch</th>
+              <th>Channel</th>
+              <th>Product</th>
+              <th class="num">Requested Amount</th>
+              <th>Current Stage</th>
+              <th class="num">Progress</th>
+              <th>Status</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(filteredApplications); track a.applicationNo) {
+              <tr class="cctr-branch-row" (click)="openApplication(a)">
+                <td>
+                  <span class="pg-chip">{{ a.applicationNo }}</span>
+                </td>
+                <td>{{ a.applicantName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ channelLabels[a.channel] }}</td>
+                <td>{{ a.productName }}</td>
+                <td class="num">₹{{ a.requestedAmount | number: '1.0-0' }}</td>
+                <td>{{ stageLabel(a.currentStage) }}</td>
+                <td class="num">{{ progress(a) }}%</td>
+                <td>
+                  <span [class]="badgeClass(a)">{{ statusLabel(a.overallStatus) }}</span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="9" class="pg-empty">No applications match these filters.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (filteredApplications.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(filteredApplications) }}–{{ rangeEnd(filteredApplications) }} of
+            {{ filteredApplications.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, filteredApplications)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(filteredApplications) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(filteredApplications)"
+              (click)="goToPage(currentPage + 1, filteredApplications)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== NEW APPLICATION ===================== -->
+  @if (activeView === 'new') {
+    <div class="pg-card">
+      <div class="pos-section-label">New Application — Channel Intake</div>
+      <div class="inv-form-grid">
+        <label class="inv-form-field">
+          <span>* Channel</span>
+          <select [(ngModel)]="newApp.channel">
+            <option value="BRANCH">Branch</option>
+            <option value="BC">Business Correspondent (BC)</option>
+            <option value="SELF_APPLY">Self-Apply (Digital)</option>
+          </select>
+        </label>
+        @if (newApp.channel === 'BC') {
+          <label class="inv-form-field">
+            <span>* BC Agent / Point</span>
+            <input type="text" [(ngModel)]="newApp.bcAgentName" placeholder="e.g. Suvidha BC Point — Andheri" />
+          </label>
+        }
+        <label class="inv-form-field">
+          <span>* Customer Type</span>
+          <select [(ngModel)]="newApp.customerType">
+            <option value="NEW">New Customer</option>
+            <option value="EXISTING">Existing Customer</option>
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>* Applicant Name</span>
+          <input type="text" [(ngModel)]="newApp.applicantName" placeholder="Full name" />
+        </label>
+        <label class="inv-form-field">
+          <span>* Branch</span>
+          <select [(ngModel)]="newApp.branchCode" [disabled]="!isHeadOffice">
+            @for (b of newApplicationBranches; track b.code) {
+              <option [value]="b.code">{{ b.name }}</option>
+            }
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>* Product</span>
+          <select [(ngModel)]="newApp.productCode">
+            @for (p of products; track p.code) {
+              <option [value]="p.code">{{ p.name }}</option>
+            }
+          </select>
+        </label>
+        <label class="inv-form-field">
+          <span>* Requested Amount</span>
+          <input type="number" [(ngModel)]="newApp.requestedAmount" placeholder="₹" />
+        </label>
+        <label class="inv-form-field">
+          <span>Tenure (Months)</span>
+          <input type="number" [(ngModel)]="newApp.tenureMonths" placeholder="e.g. 36" />
+        </label>
+      </div>
+      <div class="inv-form-actions">
+        <button type="button" class="pg-btn pg-btn--primary" (click)="saveNewApplication()">Submit Application</button>
+      </div>
+    </div>
+  }
+
+  <!-- ===================== CHANNEL-WISE REPORT ===================== -->
+  @if (activeView === 'channel') {
+    <div class="pg-card">
+      <div class="pos-section-label">Channel-wise Report — Branch / BC / Self-Apply</div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Channel</th>
+            <th class="num">Applications</th>
+            <th class="num">Requested Amount</th>
+            <th class="num col-in">Disbursed Count</th>
+            <th class="num col-in">Disbursed Amount</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (r of channelReport; track r.channel) {
+            <tr>
+              <td>{{ r.label }}</td>
+              <td class="num">{{ r.count }}</td>
+              <td class="num">₹{{ r.requestedAmount | number: '1.0-0' }}</td>
+              <td class="num col-in">{{ r.disbursedCount }}</td>
+              <td class="num col-in">₹{{ r.disbursedAmount | number: '1.0-0' }}</td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr class="cctr-total-row">
+            <td>Total</td>
+            <td class="num">{{ totalApplications }}</td>
+            <td class="num">
+              ₹{{
+                channelReport[0].requestedAmount + channelReport[1].requestedAmount + channelReport[2].requestedAmount
+                  | number: '1.0-0'
+              }}
+            </td>
+            <td class="num">{{ disbursedApplications.length }}</td>
+            <td class="num">₹{{ disbursedAmount | number: '1.0-0' }}</td>
+          </tr>
+        </tfoot>
+      </table>
+    </div>
+  }
+
+  <!-- ===================== BC-WISE REPORT ===================== -->
+  @if (activeView === 'bc') {
+    <div class="pg-card">
+      <div class="pos-section-label">
+        BC-wise Report — Business Correspondent Sourced Applications ({{ bcApplications.length }})
+      </div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>BC Agent / Point</th>
+            <th class="num">Applications</th>
+            <th class="num">Requested Amount</th>
+            <th class="num col-in">Disbursed Count</th>
+            <th class="num col-in">Disbursed Amount</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (r of bcReport; track r.bcAgentName) {
+            <tr>
+              <td>{{ r.bcAgentName }}</td>
+              <td class="num">{{ r.count }}</td>
+              <td class="num">₹{{ r.requestedAmount | number: '1.0-0' }}</td>
+              <td class="num col-in">{{ r.disbursedCount }}</td>
+              <td class="num col-in">₹{{ r.disbursedAmount | number: '1.0-0' }}</td>
+            </tr>
+          } @empty {
+            <tr>
+              <td colspan="5" class="pg-empty">No BC-sourced applications in this branch.</td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+  }
+
+  <!-- ===================== SHARE MEMBER REPORT ===================== -->
+  @if (activeView === 'share') {
+    <div class="pg-card">
+      <div class="pos-section-label">Share Member Report</div>
+      <p class="pg-sub npa-report-note">
+        A cooperative-bank borrower must hold membership shares in the society before a loan can be sanctioned.
+        {{ shareMemberCount }} of {{ totalApplications }} applicants are already members; the rest need membership
+        allotted before Credit Committee approval — done from the application's own detail screen.
+      </p>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Application No</th>
+              <th>Applicant</th>
+              <th>Branch</th>
+              <th>Current Stage</th>
+              <th>Status</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(nonMemberApplications); track a.applicationNo) {
+              <tr class="cctr-branch-row" (click)="openApplication(a)">
+                <td>
+                  <span class="pg-chip">{{ a.applicationNo }}</span>
+                </td>
+                <td>{{ a.applicantName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ stageLabel(a.currentStage) }}</td>
+                <td>
+                  <span [class]="badgeClass(a)">{{ statusLabel(a.overallStatus) }}</span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="5" class="pg-empty">Every active applicant in this branch already holds membership.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (nonMemberApplications.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(nonMemberApplications) }}–{{ rangeEnd(nonMemberApplications) }} of
+            {{ nonMemberApplications.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, nonMemberApplications)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(nonMemberApplications) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(nonMemberApplications)"
+              (click)="goToPage(currentPage + 1, nonMemberApplications)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== TARGET VS ACTUAL ===================== -->
+  @if (activeView === 'target') {
+    <div class="pg-card">
+      <div class="pos-section-label">Branch-wise Disbursement Target — Annual</div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Branch</th>
+            <th class="num">Target</th>
+            <th class="num col-in">Disbursed (Actual)</th>
+            <th class="num">Achievement %</th>
+            <th>Status</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (row of branchTargetRows; track row.branchCode) {
+            <tr>
+              <td>{{ row.branchName }}</td>
+              <td class="num">₹{{ row.target | number: '1.0-0' }}</td>
+              <td class="num col-in">₹{{ row.actual | number: '1.0-0' }}</td>
+              <td class="num">{{ row.achievementPct | number: '1.1-1' }}%</td>
+              <td>
+                <span
+                  class="loan-badge"
+                  [class.loan-badge--disbursed]="row.status !== 'BEHIND'"
+                  [class.loan-badge--hold]="row.status === 'BEHIND'"
+                >
+                  {{ statusLabelOf(row.status) }}
+                </span>
+              </td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Product Mix — Target % vs Actual % (of Disbursed Amount)</div>
+      <p class="pg-sub npa-report-note">
+        KCC and Cash Credit (MSME) targets are RBI's actual Priority Sector Lending sub-targets — Agriculture 18% and
+        Micro Enterprises 7.5% of Adjusted Net Bank Credit (shown here against this module's own mix, since RBI sets
+        them against the bank's whole loan book, not one product line). The rest are internal business-plan targets, not
+        RBI-mandated.
+      </p>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Product</th>
+            <th>Target Basis</th>
+            <th class="num">Target %</th>
+            <th class="num col-in">Actual %</th>
+            <th class="num">Variance</th>
+            <th>Status</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (row of productTargetRows; track row.code) {
+            <tr>
+              <td>{{ row.label }}</td>
+              <td>
+                <span class="loan-badge" [class.loan-badge--progress]="row.isRbiMandated">
+                  {{ row.isRbiMandated ? 'RBI PSL Sub-Target' : 'Internal Target' }}
+                </span>
+              </td>
+              <td class="num">{{ row.targetPct | number: '1.0-1' }}%</td>
+              <td class="num col-in">{{ row.actualPct | number: '1.1-1' }}%</td>
+              <td class="num" [class.col-out]="row.variancePct < 0" [class.col-in]="row.variancePct > 0">
+                {{ row.variancePct > 0 ? '+' : '' }}{{ row.variancePct | number: '1.1-1' }} pp
+              </td>
+              <td>
+                <span
+                  class="loan-badge"
+                  [class.loan-badge--disbursed]="row.status !== 'BEHIND'"
+                  [class.loan-badge--hold]="row.status === 'BEHIND'"
+                >
+                  {{ statusLabelOf(row.status) }}
+                </span>
+              </td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Channel Mix — Target % vs Actual % (of Disbursed Amount)</div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Channel</th>
+            <th class="num">Target %</th>
+            <th class="num col-in">Actual %</th>
+            <th class="num">Variance</th>
+            <th>Status</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (row of channelTargetRows; track row.code) {
+            <tr>
+              <td>{{ row.label }}</td>
+              <td class="num">{{ row.targetPct | number: '1.0-1' }}%</td>
+              <td class="num col-in">{{ row.actualPct | number: '1.1-1' }}%</td>
+              <td class="num" [class.col-out]="row.variancePct < 0" [class.col-in]="row.variancePct > 0">
+                {{ row.variancePct > 0 ? '+' : '' }}{{ row.variancePct | number: '1.1-1' }} pp
+              </td>
+              <td>
+                <span
+                  class="loan-badge"
+                  [class.loan-badge--disbursed]="row.status !== 'BEHIND'"
+                  [class.loan-badge--hold]="row.status === 'BEHIND'"
+                >
+                  {{ statusLabelOf(row.status) }}
+                </span>
+              </td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+  }
+</div>
+
+<div class="inv-toast" [class.show]="toastVisible">{{ toastMsg }}</div>

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

@@ -0,0 +1,684 @@
+/**
+ * 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, OnInit, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { ActivatedRoute, Router, RouterModule } from '@angular/router';
+import { AuthenticationService } from '../../core/authentication/authentication.service';
+import { ExportSheetSpec, exportWorkbook } from '../../cashier/cashier-export';
+import {
+  BRANCHES,
+  BranchMaster,
+  branchTargetAmount,
+  Channel,
+  CHANNEL_LABELS,
+  CHANNEL_TARGET_PCT,
+  CustomerType,
+  LoanApplication,
+  LOAN_APPLICATIONS,
+  ORIGINATION_PRODUCTS,
+  OriginationStage,
+  OverallStatus,
+  PRODUCT_TARGET_PCT,
+  STAGE_LABELS,
+  STAGE_ORDER,
+  STATUS_LABELS,
+  TARGET_STATUS_LABELS,
+  TargetStatus,
+  createApplication,
+  progressPct,
+  stageBadgeClass,
+  targetStatus,
+  todayDDMMYYYY
+} from '../loan-origination-data';
+
+interface ChannelReportRow {
+  channel: Channel;
+  label: string;
+  count: number;
+  requestedAmount: number;
+  disbursedCount: number;
+  disbursedAmount: number;
+}
+
+interface BcReportRow {
+  bcAgentName: string;
+  count: number;
+  requestedAmount: number;
+  disbursedCount: number;
+  disbursedAmount: number;
+}
+
+interface BranchTargetRow {
+  branchCode: string;
+  branchName: string;
+  target: number;
+  actual: number;
+  achievementPct: number;
+  status: TargetStatus;
+}
+
+interface MixTargetRow {
+  code: string;
+  label: string;
+  targetPct: number;
+  actualPct: number;
+  variancePct: number;
+  status: TargetStatus;
+  /** True only for the two rows whose target is an actual RBI PSL sub-target (Agriculture 18% /
+   *  Micro Enterprises 7.5% of ANBC) rather than an internal business-plan assumption. */
+  isRbiMandated: boolean;
+}
+
+type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target';
+
+/**
+ * Loan Origination pipeline — every application currently moving through the sanctioning
+ * workflow (Application → KYC → CIC Check → Field Investigation → Personal Discussion → Credit
+ * Committee → Risk Approval → Legal Approval → Customer Signing → Cheque/ACH → Post-Check →
+ * Disbursed), plus the Channel-wise / BC-wise / Share Member reports and a New Application
+ * intake form. Every count/total here is derived from the same LOAN_APPLICATIONS array the
+ * Application Detail screen mutates, so the pipeline view can never drift from an application's
+ * real state.
+ */
+@Component({
+  selector: 'mifosx-loan-pipeline',
+  templateUrl: './loan-pipeline.component.html',
+  styleUrls: [
+    '../../cashier/cashier-shared.scss',
+    '../../investment/investment-shared.scss',
+    '../../npa/npa-shared.scss',
+    '../loan-origination-shared.scss'
+  ],
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule
+  ]
+})
+export class LoanPipelineComponent implements OnInit {
+  readonly stageOrder = STAGE_ORDER;
+  readonly stageLabels = STAGE_LABELS;
+  readonly statusLabels = STATUS_LABELS;
+  readonly channelLabels = CHANNEL_LABELS;
+  readonly branches = BRANCHES;
+  readonly products = ORIGINATION_PRODUCTS;
+  asOnDate = todayDDMMYYYY();
+
+  activeView: ViewId = 'pipeline';
+
+  isHeadOffice = false;
+  currentOfficeName = 'Branch Office';
+  private ownBranchCode: string | null = null;
+  branchFilter = '';
+
+  channelFilter = '';
+  stageFilter = '';
+  statusFilter = '';
+  searchText = '';
+
+  readonly pageSize = 20;
+  currentPage = 1;
+
+  generating = false;
+
+  newApp = {
+    channel: 'BRANCH' as Channel,
+    bcAgentName: '',
+    customerType: 'NEW' as CustomerType,
+    applicantName: '',
+    branchCode: this.branches[0].code,
+    productCode: this.products[0].code,
+    requestedAmount: null as number | null,
+    tenureMonths: null as number | null
+  };
+
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: ReturnType<typeof setTimeout> | undefined;
+
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+  private readonly auth = inject(AuthenticationService);
+
+  ngOnInit(): void {
+    const requestedView = this.route.snapshot.queryParamMap.get('view') as ViewId | null;
+    if (requestedView && [
+        'pipeline',
+        'new',
+        'channel',
+        'bc',
+        'share',
+        'target'
+      ].includes(requestedView)) {
+      this.activeView = requestedView;
+    }
+
+    const creds = this.auth.getCredentials();
+    this.isHeadOffice = this.auth.isHeadOfficeUser();
+    this.currentOfficeName = creds?.officeName || 'Branch Office';
+    if (this.isHeadOffice) {
+      this.branchFilter = '';
+    } else {
+      this.ownBranchCode =
+        this.branches.find((b: BranchMaster) => this.currentOfficeName.toLowerCase().includes(b.name.toLowerCase()))
+          ?.code || null;
+      this.branchFilter = this.ownBranchCode || this.branches[0].code;
+      // A branch-level login can only originate applications for its own branch — locked here,
+      // not just hidden, since the New Application form posts whatever branchCode is bound.
+      this.newApp.branchCode = this.branchFilter;
+    }
+  }
+
+  /** Branches selectable on the New Application form — every branch for Head Office, only the
+   *  logged-in user's own branch otherwise. */
+  get newApplicationBranches(): BranchMaster[] {
+    return this.isHeadOffice ? this.branches : this.branches.filter((b) => b.code === this.branchFilter);
+  }
+
+  setView(view: ViewId): void {
+    this.activeView = view;
+    this.currentPage = 1;
+  }
+
+  setBranch(code: string): void {
+    this.branchFilter = code;
+    this.currentPage = 1;
+  }
+
+  /** Name of the branch/scope currently being viewed, for display in the header. */
+  get scopeName(): string {
+    if (!this.isHeadOffice) {
+      return this.currentOfficeName;
+    }
+    return this.branchFilter
+      ? this.branches.find((b) => b.code === this.branchFilter)?.name || ''
+      : 'All Branches (Consolidated)';
+  }
+
+  get scopedApplications(): LoanApplication[] {
+    return this.branchFilter ? LOAN_APPLICATIONS.filter((a) => a.branchCode === this.branchFilter) : LOAN_APPLICATIONS;
+  }
+
+  get filteredApplications(): LoanApplication[] {
+    return this.scopedApplications.filter((a) => {
+      if (this.channelFilter && a.channel !== this.channelFilter) {
+        return false;
+      }
+      if (this.stageFilter && a.currentStage !== this.stageFilter) {
+        return false;
+      }
+      if (this.statusFilter && a.overallStatus !== this.statusFilter) {
+        return false;
+      }
+      if (this.searchText) {
+        const q = this.searchText.toLowerCase();
+        return a.applicationNo.toLowerCase().includes(q) || a.applicantName.toLowerCase().includes(q);
+      }
+      return true;
+    });
+  }
+
+  // -------------------- Pagination --------------------
+  paged<T>(items: T[]): T[] {
+    const start = (this.currentPage - 1) * this.pageSize;
+    return items.slice(start, start + this.pageSize);
+  }
+
+  pageCount(items: unknown[]): number {
+    return Math.max(1, Math.ceil(items.length / this.pageSize));
+  }
+
+  rangeStart(items: unknown[]): number {
+    return items.length === 0 ? 0 : (this.currentPage - 1) * this.pageSize + 1;
+  }
+
+  rangeEnd(items: unknown[]): number {
+    return Math.min(this.currentPage * this.pageSize, items.length);
+  }
+
+  goToPage(page: number, items: unknown[]): void {
+    this.currentPage = Math.min(Math.max(1, page), this.pageCount(items));
+  }
+
+  // -------------------- Portfolio KPIs --------------------
+  get totalApplications(): number {
+    return this.scopedApplications.length;
+  }
+
+  get inProgressCount(): number {
+    return this.scopedApplications.filter((a) => a.overallStatus === 'IN_PROGRESS').length;
+  }
+
+  get onHoldCount(): number {
+    return this.scopedApplications.filter((a) => a.overallStatus === 'ON_HOLD').length;
+  }
+
+  get rejectedCount(): number {
+    return this.scopedApplications.filter((a) => a.overallStatus === 'REJECTED').length;
+  }
+
+  get disbursedApplications(): LoanApplication[] {
+    return this.scopedApplications.filter((a) => a.overallStatus === 'DISBURSED');
+  }
+
+  get disbursedAmount(): number {
+    return this.disbursedApplications.reduce((s, a) => s + a.requestedAmount, 0);
+  }
+
+  progress(a: LoanApplication): number {
+    return progressPct(a);
+  }
+
+  badgeClass(a: LoanApplication): string {
+    return stageBadgeClass(a);
+  }
+
+  statusLabel(status: OverallStatus): string {
+    return STATUS_LABELS[status];
+  }
+
+  stageLabel(stage: OriginationStage): string {
+    return STAGE_LABELS[stage];
+  }
+
+  openApplication(a: LoanApplication): void {
+    this.router.navigate([
+      '/loan-origination/application',
+      a.applicationNo
+    ]);
+  }
+
+  // -------------------- Channel-wise / BC-wise / Share Member reports --------------------
+  get channelReport(): ChannelReportRow[] {
+    const channels: Channel[] = [
+      'BRANCH',
+      'BC',
+      'SELF_APPLY'
+    ];
+    return channels.map((channel) => {
+      const rows = this.scopedApplications.filter((a) => a.channel === channel);
+      const disbursed = rows.filter((a) => a.overallStatus === 'DISBURSED');
+      return {
+        channel,
+        label: CHANNEL_LABELS[channel],
+        count: rows.length,
+        requestedAmount: rows.reduce((s, a) => s + a.requestedAmount, 0),
+        disbursedCount: disbursed.length,
+        disbursedAmount: disbursed.reduce((s, a) => s + a.requestedAmount, 0)
+      };
+    });
+  }
+
+  get bcApplications(): LoanApplication[] {
+    return this.scopedApplications.filter((a) => a.channel === 'BC');
+  }
+
+  get bcReport(): BcReportRow[] {
+    const names = Array.from(new Set(this.bcApplications.map((a) => a.bcAgentName))).sort();
+    return names.map((bcAgentName) => {
+      const rows = this.bcApplications.filter((a) => a.bcAgentName === bcAgentName);
+      const disbursed = rows.filter((a) => a.overallStatus === 'DISBURSED');
+      return {
+        bcAgentName,
+        count: rows.length,
+        requestedAmount: rows.reduce((s, a) => s + a.requestedAmount, 0),
+        disbursedCount: disbursed.length,
+        disbursedAmount: disbursed.reduce((s, a) => s + a.requestedAmount, 0)
+      };
+    });
+  }
+
+  get shareMemberCount(): number {
+    return this.scopedApplications.filter((a) => a.isShareMember).length;
+  }
+
+  get nonMemberApplications(): LoanApplication[] {
+    return this.scopedApplications.filter((a) => !a.isShareMember && a.overallStatus !== 'REJECTED');
+  }
+
+  // -------------------- Disbursement Target vs Actual --------------------
+  statusLabelOf(status: TargetStatus): string {
+    return TARGET_STATUS_LABELS[status];
+  }
+
+  /** Branches shown in the target table: every branch for Head Office's consolidated view, only
+   *  the drilled-into/own branch otherwise — same scoping the rest of the screen already uses. */
+  get branchTargetRows(): BranchTargetRow[] {
+    const branchesToShow =
+      this.isHeadOffice && !this.branchFilter
+        ? this.branches
+        : this.branches.filter((b) => b.code === this.branchFilter);
+    return branchesToShow.map((b) => {
+      const actual = LOAN_APPLICATIONS.filter((a) => a.branchCode === b.code && a.overallStatus === 'DISBURSED').reduce(
+        (s, a) => s + a.requestedAmount,
+        0
+      );
+      const target = branchTargetAmount(b.code);
+      const achievementPct = target ? (actual / target) * 100 : 0;
+      return {
+        branchCode: b.code,
+        branchName: b.name,
+        target,
+        actual,
+        achievementPct,
+        status: targetStatus(achievementPct, 100, 5)
+      };
+    });
+  }
+
+  private get disbursedInScope(): LoanApplication[] {
+    return this.scopedApplications.filter((a) => a.overallStatus === 'DISBURSED');
+  }
+
+  get productTargetRows(): MixTargetRow[] {
+    const total = this.disbursedInScope.reduce((s, a) => s + a.requestedAmount, 0);
+    return this.products.map((p) => {
+      const productAmount = this.disbursedInScope
+        .filter((a) => a.productCode === p.code)
+        .reduce((s, a) => s + a.requestedAmount, 0);
+      const actualPct = total ? (productAmount / total) * 100 : 0;
+      const targetPct = PRODUCT_TARGET_PCT[p.code] || 0;
+      return {
+        code: p.code,
+        label: p.name,
+        targetPct,
+        actualPct,
+        variancePct: actualPct - targetPct,
+        status: targetStatus(actualPct, targetPct, 3),
+        isRbiMandated: p.code === 'KCC' || p.code === 'CC'
+      };
+    });
+  }
+
+  get channelTargetRows(): MixTargetRow[] {
+    const total = this.disbursedInScope.reduce((s, a) => s + a.requestedAmount, 0);
+    const channels: Channel[] = [
+      'BRANCH',
+      'BC',
+      'SELF_APPLY'
+    ];
+    return channels.map((channel) => {
+      const channelAmount = this.disbursedInScope
+        .filter((a) => a.channel === channel)
+        .reduce((s, a) => s + a.requestedAmount, 0);
+      const actualPct = total ? (channelAmount / total) * 100 : 0;
+      const targetPct = CHANNEL_TARGET_PCT[channel];
+      return {
+        code: channel,
+        label: CHANNEL_LABELS[channel],
+        targetPct,
+        actualPct,
+        variancePct: actualPct - targetPct,
+        status: targetStatus(actualPct, targetPct, 3),
+        isRbiMandated: false
+      };
+    });
+  }
+
+  // -------------------- New Application intake --------------------
+  productOf(code: string) {
+    return this.products.find((p) => p.code === code) || this.products[0];
+  }
+
+  saveNewApplication(): void {
+    if (!this.newApp.applicantName.trim() || !this.newApp.requestedAmount || this.newApp.requestedAmount <= 0) {
+      this.toast('Enter the applicant name and a valid requested amount.');
+      return;
+    }
+    if (this.newApp.channel === 'BC' && !this.newApp.bcAgentName.trim()) {
+      this.toast('Enter the BC agent/point name for a Business Correspondent application.');
+      return;
+    }
+    // A branch-level login is locked to its own branch regardless of what the (disabled) select
+    // is bound to — defence in depth against the DOM value ever being tampered with.
+    if (!this.isHeadOffice && this.ownBranchCode) {
+      this.newApp.branchCode = this.ownBranchCode;
+    }
+    const branch = this.branches.find((b) => b.code === this.newApp.branchCode) || this.branches[0];
+    const product = this.productOf(this.newApp.productCode);
+    const seq = LOAN_APPLICATIONS.length + 20000;
+    const app = createApplication(
+      {
+        channel: this.newApp.channel,
+        bcAgentName: this.newApp.bcAgentName || '—',
+        customerType: this.newApp.customerType,
+        applicantName: this.newApp.applicantName.trim(),
+        branchCode: branch.code,
+        branchName: branch.name,
+        productCode: product.code,
+        productName: product.name,
+        secured: product.secured,
+        requestedAmount: this.newApp.requestedAmount,
+        tenureMonths: this.newApp.tenureMonths || product.minTenure,
+        interestRate: +((product.minRate + product.maxRate) / 2).toFixed(2)
+      },
+      seq
+    );
+    LOAN_APPLICATIONS.unshift(app);
+    this.toast(`Application ${app.applicationNo} received for ${app.applicantName}.`);
+    this.newApp = {
+      channel: 'BRANCH',
+      bcAgentName: '',
+      customerType: 'NEW',
+      applicantName: '',
+      branchCode: this.isHeadOffice ? this.branches[0].code : this.ownBranchCode || this.branches[0].code,
+      productCode: this.products[0].code,
+      requestedAmount: null,
+      tenureMonths: null
+    };
+    this.router.navigate([
+      '/loan-origination/application',
+      app.applicationNo
+    ]);
+  }
+
+  // -------------------- Export to Excel --------------------
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      const subtitle = `Scope: ${this.scopeName}   ·   As On: ${this.asOnDate}`;
+      const sheets: ExportSheetSpec[] = [
+        {
+          sheetName: 'Pipeline',
+          title: 'Loan Origination Pipeline',
+          subtitle,
+          headers: [
+            'Application No',
+            'Applicant',
+            'Branch',
+            'Channel',
+            'Product',
+            'Requested Amount',
+            'Current Stage',
+            'Status'
+          ],
+          widths: [
+            16,
+            22,
+            16,
+            22,
+            16,
+            18,
+            24,
+            14
+          ],
+          rows: this.filteredApplications.map((a) => [
+            a.applicationNo,
+            a.applicantName,
+            a.branchName,
+            CHANNEL_LABELS[a.channel],
+            a.productName,
+            a.requestedAmount,
+            STAGE_LABELS[a.currentStage],
+            STATUS_LABELS[a.overallStatus]
+          ])
+        },
+        {
+          sheetName: 'Channel-wise',
+          title: 'Channel-wise Report',
+          subtitle,
+          headers: [
+            'Channel',
+            'Applications',
+            'Requested Amount',
+            'Disbursed Count',
+            'Disbursed Amount'
+          ],
+          widths: [
+            26,
+            16,
+            18,
+            16,
+            18
+          ],
+          rows: this.channelReport.map((r) => [
+            r.label,
+            r.count,
+            r.requestedAmount,
+            r.disbursedCount,
+            r.disbursedAmount
+          ])
+        },
+        {
+          sheetName: 'BC-wise',
+          title: 'BC-wise Report',
+          subtitle,
+          headers: [
+            'BC Agent / Point',
+            'Applications',
+            'Requested Amount',
+            'Disbursed Count',
+            'Disbursed Amount'
+          ],
+          widths: [
+            30,
+            16,
+            18,
+            16,
+            18
+          ],
+          rows: this.bcReport.map((r) => [
+            r.bcAgentName,
+            r.count,
+            r.requestedAmount,
+            r.disbursedCount,
+            r.disbursedAmount
+          ])
+        },
+        {
+          sheetName: 'Share Member',
+          title: 'Share Member Report',
+          subtitle,
+          headers: [
+            'Application No',
+            'Applicant',
+            'Branch',
+            'Current Stage',
+            'Status'
+          ],
+          widths: [
+            16,
+            22,
+            16,
+            24,
+            14
+          ],
+          rows: this.nonMemberApplications.map((a) => [
+            a.applicationNo,
+            a.applicantName,
+            a.branchName,
+            STAGE_LABELS[a.currentStage],
+            STATUS_LABELS[a.overallStatus]
+          ])
+        },
+        {
+          sheetName: 'Branch Target',
+          title: 'Branch-wise Disbursement Target — Annual',
+          subtitle,
+          headers: [
+            'Branch',
+            'Target',
+            'Disbursed (Actual)',
+            'Achievement %',
+            'Status'
+          ],
+          widths: [
+            20,
+            18,
+            18,
+            14,
+            16
+          ],
+          rows: this.branchTargetRows.map((r) => [
+            r.branchName,
+            r.target,
+            r.actual,
+            Number(r.achievementPct.toFixed(1)),
+            this.statusLabelOf(r.status)
+          ])
+        },
+        {
+          sheetName: 'Product-Channel Target',
+          title: 'Product & Channel Mix — Target % vs Actual %',
+          subtitle,
+          headers: [
+            'Mix',
+            'Target Basis',
+            'Target %',
+            'Actual %',
+            'Variance (pp)',
+            'Status'
+          ],
+          widths: [
+            26,
+            18,
+            12,
+            12,
+            14,
+            16
+          ],
+          rows: [
+            ...this.productTargetRows.map((r) => [
+              `Product — ${r.label}`,
+              r.isRbiMandated ? 'RBI PSL Sub-Target' : 'Internal Target',
+              r.targetPct,
+              Number(r.actualPct.toFixed(1)),
+              Number(r.variancePct.toFixed(1)),
+              this.statusLabelOf(r.status)
+            ]),
+            ...this.channelTargetRows.map((r) => [
+              `Channel — ${r.label}`,
+              'Internal Target',
+              r.targetPct,
+              Number(r.actualPct.toFixed(1)),
+              Number(r.variancePct.toFixed(1)),
+              this.statusLabelOf(r.status)
+            ])
+          ]
+        }
+      ];
+      await exportWorkbook(sheets, `Loan-Origination-${this.scopeName}-${this.asOnDate}`);
+    } catch (err) {
+      console.error('Loan Origination export failed', err);
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    if (this.toastTimer) {
+      clearTimeout(this.toastTimer);
+    }
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
+}

src/app/npa/npa-data.ts

@@ -79,6 +79,26 @@ export interface RecoveryTxn {
   mode: string;
 }
 
+/** One entry in an account's collection/recovery journey — the real-world touchpoints a CBS
+ *  Recovery Management System logs against an overdue loan, in the order they actually happened. */
+export type RecoveryEventType =
+  | 'SMS Reminder'
+  | 'IVR / Auto Call'
+  | 'Tele-calling'
+  | 'Overdue Call'
+  | 'Field Visit'
+  | 'Formal Overdue Letter'
+  | 'Recovery Agent Assigned'
+  | 'Demand Notice'
+  | 'Payment Received';
+
+export interface RecoveryEvent {
+  date: string;
+  type: RecoveryEventType;
+  channel: string;
+  remarks: string;
+}
+
 export interface LoanAccount {
   accountNo: string;
   customerName: string;
@@ -88,6 +108,7 @@ export interface LoanAccount {
   productCode: string;
   productName: string;
   secured: boolean;
+  repaymentType: RepaymentType;
   sanctionedAmount: number;
   disbursementDate: string;
   interestRate: number;
@@ -96,11 +117,27 @@ export interface LoanAccount {
   overdueDays: number;
   overdueDaysQuarterAgo: number;
   collateralValue: number;
+  /** Current estimated market value of the pledged security — can run above or below
+   *  `collateralValue` (the value recorded at sanction/last valuation), which is exactly what the
+   *  Exception Check / Agriculture-Gold Market Value reports exist to catch. 0 for unsecured loans. */
+  collateralMarketValue: number;
+  /** Fixed EMI for an EMI-repayment loan (standard reducing-balance formula on the sanctioned
+   *  amount and tenure) — 0 for OVERDRAWN/BULLET loans, which aren't due on a fixed instalment. */
+  emiAmount: number;
+  /** Drawing limit for an OVERDRAWN (CC/OD/KCC) account — kept below the sanctioned amount by a
+   *  margin, same as a real cash-credit facility. 0 for EMI/BULLET loans. */
+  drawingPower: number;
+  /** Bullet-repayment due date (principal falls due in full on this date) — '—' for EMI/OVERDRAWN
+   *  loans, which don't have a single bullet maturity. */
+  maturityDate: string;
   lastPaymentDate: string;
   isLossAsset: boolean;
   isRestructured: boolean;
   provisionCoverageRatio: number;
   recoveries: RecoveryTxn[];
+  /** Chronological log of collection touchpoints (SMS/call/visit/notice) plus actual recoveries —
+   *  empty for an account that has never gone overdue. */
+  collectionTimeline: RecoveryEvent[];
   /** '—' for Standard/SMA accounts — only NPA accounts are actually assigned a reason. */
   npaReason: string;
   /** '—' for Standard accounts — SMA and NPA accounts get a recovery officer assigned for follow-up. */
@@ -174,6 +211,17 @@ export const BRANCHES: BranchMaster[] = [
   { code: 'BR08', name: 'Kolhapur Branch' }
 ];
 
+/** How the loan is contractually repaid — drives the Recovery Management System's per-type
+ *  overdue check (EMI shortfall / drawing-power breach / bullet-maturity lapse) and the
+ *  Expected-vs-Actual Recovery figures, since each type is "due" on a different basis. */
+export type RepaymentType = 'EMI' | 'OVERDRAWN' | 'BULLET';
+
+export const REPAYMENT_TYPE_LABELS: Record<RepaymentType, string> = {
+  EMI: 'Term Loan (EMI)',
+  OVERDRAWN: 'Overdrawn (CC / OD)',
+  BULLET: 'Bullet Repayment'
+};
+
 interface ProductMaster {
   code: string;
   name: string;
@@ -182,6 +230,11 @@ interface ProductMaster {
   maxAmt: number;
   minRate: number;
   maxRate: number;
+  repaymentType: RepaymentType;
+  /** Sanctioned tenure in months — drives the EMI formula for EMI-type products and the
+   *  bullet maturity date for BULLET-type products. Renewal cycle (not a repayment schedule)
+   *  for OVERDRAWN/revolving products. */
+  tenureMonths: number;
 }
 export const LOAN_PRODUCTS: ProductMaster[] = [
   {
@@ -191,15 +244,87 @@ export const LOAN_PRODUCTS: ProductMaster[] = [
     minAmt: 500000,
     maxAmt: 5000000,
     minRate: 11,
-    maxRate: 13.5
+    maxRate: 13.5,
+    repaymentType: 'OVERDRAWN',
+    tenureMonths: 12
+  },
+  {
+    code: '02',
+    name: 'Term Loan - MSME',
+    secured: true,
+    minAmt: 300000,
+    maxAmt: 3000000,
+    minRate: 11,
+    maxRate: 14,
+    repaymentType: 'EMI',
+    tenureMonths: 60
+  },
+  {
+    code: '03',
+    name: 'Housing Loan',
+    secured: true,
+    minAmt: 1000000,
+    maxAmt: 4000000,
+    minRate: 8.5,
+    maxRate: 10.5,
+    repaymentType: 'EMI',
+    tenureMonths: 180
+  },
+  {
+    code: '04',
+    name: 'Vehicle Loan',
+    secured: true,
+    minAmt: 300000,
+    maxAmt: 1500000,
+    minRate: 9,
+    maxRate: 11.5,
+    repaymentType: 'EMI',
+    tenureMonths: 84
+  },
+  {
+    code: '05',
+    name: 'Gold Loan',
+    secured: true,
+    minAmt: 50000,
+    maxAmt: 1000000,
+    minRate: 9,
+    maxRate: 12,
+    repaymentType: 'BULLET',
+    tenureMonths: 12
+  },
+  {
+    code: '06',
+    name: 'Kisan Credit Card',
+    secured: true,
+    minAmt: 100000,
+    maxAmt: 500000,
+    minRate: 7,
+    maxRate: 9,
+    repaymentType: 'OVERDRAWN',
+    tenureMonths: 12
+  },
+  {
+    code: '07',
+    name: 'Personal Loan',
+    secured: false,
+    minAmt: 50000,
+    maxAmt: 500000,
+    minRate: 13,
+    maxRate: 16,
+    repaymentType: 'EMI',
+    tenureMonths: 36
+  },
+  {
+    code: '08',
+    name: 'Education Loan',
+    secured: false,
+    minAmt: 200000,
+    maxAmt: 1500000,
+    minRate: 10,
+    maxRate: 12,
+    repaymentType: 'EMI',
+    tenureMonths: 84
   },
-  { code: '02', name: 'Term Loan - MSME', secured: true, minAmt: 300000, maxAmt: 3000000, minRate: 11, maxRate: 14 },
-  { code: '03', name: 'Housing Loan', secured: true, minAmt: 1000000, maxAmt: 4000000, minRate: 8.5, maxRate: 10.5 },
-  { code: '04', name: 'Vehicle Loan', secured: true, minAmt: 300000, maxAmt: 1500000, minRate: 9, maxRate: 11.5 },
-  { code: '05', name: 'Gold Loan', secured: true, minAmt: 50000, maxAmt: 1000000, minRate: 9, maxRate: 12 },
-  { code: '06', name: 'Kisan Credit Card', secured: true, minAmt: 100000, maxAmt: 500000, minRate: 7, maxRate: 9 },
-  { code: '07', name: 'Personal Loan', secured: false, minAmt: 50000, maxAmt: 500000, minRate: 13, maxRate: 16 },
-  { code: '08', name: 'Education Loan', secured: false, minAmt: 200000, maxAmt: 1500000, minRate: 10, maxRate: 12 },
   {
     code: '09',
     name: 'SHG / Micro Finance Loan',
@@ -207,7 +332,9 @@ export const LOAN_PRODUCTS: ProductMaster[] = [
     minAmt: 20000,
     maxAmt: 200000,
     minRate: 12,
-    maxRate: 14
+    maxRate: 14,
+    repaymentType: 'EMI',
+    tenureMonths: 24
   },
   {
     code: '10',
@@ -216,7 +343,9 @@ export const LOAN_PRODUCTS: ProductMaster[] = [
     minAmt: 500000,
     maxAmt: 2500000,
     minRate: 11,
-    maxRate: 13
+    maxRate: 13,
+    repaymentType: 'OVERDRAWN',
+    tenureMonths: 12
   }
 ];
 
@@ -345,6 +474,113 @@ function pickBucket(): StageBucket {
   return BUCKETS[0];
 }
 
+/** Standard reducing-balance EMI formula on the original sanctioned amount and tenure — the same
+ *  fixed instalment the loan was actually sanctioned with, not something recomputed off the
+ *  current (partly-repaid) outstanding balance. */
+function calcEmi(principal: number, annualRatePct: number, tenureMonths: number): number {
+  const r = annualRatePct / 12 / 100;
+  if (r === 0) {
+    return round(principal / tenureMonths);
+  }
+  const factor = Math.pow(1 + r, tenureMonths);
+  return round((principal * r * factor) / (factor - 1));
+}
+
+interface TimelineCheckpoint {
+  atDay: number;
+  type: RecoveryEventType;
+  channel: string;
+  remarks: string;
+}
+
+/** The real-world escalation ladder a CBS Recovery Management System runs an overdue account
+ *  through — each checkpoint only fires once the account has actually been overdue that long, so
+ *  a 10-day-overdue account shows just the SMS/call steps while a 200-day NPA shows the full
+ *  ladder up to the demand notice. */
+const TIMELINE_CHECKPOINTS: TimelineCheckpoint[] = [
+  {
+    atDay: 3,
+    type: 'SMS Reminder',
+    channel: 'SMS Gateway',
+    remarks: 'Auto SMS reminder sent for the overdue instalment/interest.'
+  },
+  {
+    atDay: 7,
+    type: 'IVR / Auto Call',
+    channel: 'IVR System',
+    remarks: 'Automated voice-call reminder placed to the registered mobile number.'
+  },
+  {
+    atDay: 15,
+    type: 'Tele-calling',
+    channel: 'Branch Tele-calling Desk',
+    remarks: 'Branch staff called the customer to follow up on the continuing overdue.'
+  },
+  {
+    atDay: 25,
+    type: 'Overdue Call',
+    channel: 'Recovery Officer',
+    remarks: 'Recovery officer placed a personal follow-up call.'
+  },
+  {
+    atDay: 30,
+    type: 'Field Visit',
+    channel: 'Branch Staff',
+    remarks: 'Field visit conducted at the registered address — account under SMA monitoring.'
+  },
+  {
+    atDay: 45,
+    type: 'SMS Reminder',
+    channel: 'SMS Gateway',
+    remarks: 'Second reminder SMS sent — account still overdue.'
+  },
+  {
+    atDay: 60,
+    type: 'Formal Overdue Letter',
+    channel: 'Registered Post',
+    remarks: 'Formal overdue letter dispatched — account crossed into SMA-2 monitoring.'
+  },
+  {
+    atDay: 75,
+    type: 'Recovery Agent Assigned',
+    channel: 'External Recovery Agency',
+    remarks: 'Case assigned to a recovery agent for intensified follow-up.'
+  },
+  {
+    atDay: 91,
+    type: 'Demand Notice',
+    channel: 'Recovery Officer',
+    remarks: 'Account classified NPA — formal demand notice process initiated.'
+  }
+];
+
+/** Builds the account's full collection journey — every escalation checkpoint the account has
+ *  actually reached, interleaved date-wise with its real cash recoveries — so the Account Detail
+ *  screen can show one combined, chronological timeline instead of two disconnected lists. */
+function buildCollectionTimeline(overdueDays: number, recoveries: RecoveryTxn[], today: Date): RecoveryEvent[] {
+  const events: RecoveryEvent[] = [];
+  for (const cp of TIMELINE_CHECKPOINTS) {
+    if (cp.atDay <= overdueDays) {
+      events.push({
+        date: fmt(addDays(today, -(overdueDays - cp.atDay))),
+        type: cp.type,
+        channel: cp.channel,
+        remarks: cp.remarks
+      });
+    }
+  }
+  for (const r of recoveries) {
+    events.push({
+      date: r.date,
+      type: 'Payment Received',
+      channel: r.mode,
+      remarks: `Recovery of ₹${r.amount.toLocaleString('en-IN')} received via ${r.mode}.`
+    });
+  }
+  events.sort((a, b) => parseDMY(a.date).getTime() - parseDMY(b.date).getTime());
+  return events;
+}
+
 /** Recovery-workflow progression — only NPA accounts get any legal action, and the more
  *  advanced/stressed the classification, the more likely the bank has already escalated. */
 function legalActionFor(stage: NpaStage): LegalActionStatus {
@@ -398,6 +634,26 @@ function generateAccounts(count: number): LoanAccount[] {
     const overdueAmount = round(outstandingBalance * overdueFrac);
     const collateralValue = product.secured ? round(sanctionedAmount * between(0.85, 1.25)) : 0;
 
+    // Current market value of the pledged security vs its value at sanction: gold trends upward
+    // over time (real-world gold-price appreciation); crop/agri collateral (KCC) is volatile in
+    // both directions, matching how "Crop Failure" shows up as an NPA reason; other secured
+    // collateral (property/vehicle) moves in a narrower band. Unsecured loans have none.
+    let marketValueFactor = 0;
+    if (product.code === '05') {
+      marketValueFactor = between(1.05, 1.35);
+    } else if (product.code === '06') {
+      marketValueFactor = between(0.55, 1.2);
+    } else if (product.secured) {
+      marketValueFactor = between(0.85, 1.15);
+    }
+    const collateralMarketValue = product.secured ? round(collateralValue * marketValueFactor) : 0;
+
+    const emiAmount =
+      product.repaymentType === 'EMI' ? calcEmi(sanctionedAmount, interestRate, product.tenureMonths) : 0;
+    const drawingPower = product.repaymentType === 'OVERDRAWN' ? round(sanctionedAmount * between(0.75, 0.9)) : 0;
+    const maturityDate =
+      product.repaymentType === 'BULLET' ? fmt(addDays(parseDMY(disbursementDate), product.tenureMonths * 30)) : '—';
+
     const npaReason = isNpaStage(stressed) ? pick(NPA_REASONS) : '—';
     const recoveryOfficer = isNpaStage(stressed) || isSmaStage(stressed) ? pick(RECOVERY_OFFICERS) : '—';
     const legalActionStatus = legalActionFor(stressed);
@@ -439,6 +695,8 @@ function generateAccounts(count: number): LoanAccount[] {
         ? fmt(latestRecoveryDate)
         : formulaLastPaymentDate;
 
+    const collectionTimeline = buildCollectionTimeline(overdueDays, recoveries, today);
+
     const seq = String(1000 + i).padStart(6, '0');
     accounts.push({
       accountNo: `1${branch.code.slice(2)}${product.code}${seq}`,
@@ -449,6 +707,7 @@ function generateAccounts(count: number): LoanAccount[] {
       productCode: product.code,
       productName: product.name,
       secured: product.secured,
+      repaymentType: product.repaymentType,
       sanctionedAmount,
       disbursementDate,
       interestRate,
@@ -457,11 +716,16 @@ function generateAccounts(count: number): LoanAccount[] {
       overdueDays,
       overdueDaysQuarterAgo,
       collateralValue,
+      collateralMarketValue,
+      emiAmount,
+      drawingPower,
+      maturityDate,
       lastPaymentDate,
       isLossAsset,
       isRestructured,
       provisionCoverageRatio: +between(0.75, 1.1).toFixed(2),
       recoveries,
+      collectionTimeline,
       npaReason,
       recoveryOfficer,
       legalActionStatus
@@ -553,14 +817,23 @@ export function provisionHeld(a: LoanAccount): number {
   return Math.min(a.outstandingBalance, round(provisionRequired(a) * a.provisionCoverageRatio));
 }
 
-/** Interest income de-recognised because the account has been NPA for longer than 90 days. */
+/** Days elapsed since the account first crossed 90 days overdue (i.e. became NPA) — 0 for any
-export function interestReversed(a: LoanAccount): number {
+ *  account that isn't currently NPA. The single source both interest-reversal and NPA-since-date
-  const stage = currentStage(a);
+ *  are built from, so neither can ever quietly drift out of step with the other. */
-  if (!isNpaStage(stage)) {
+export function daysSinceNpa(a: LoanAccount): number {
+  if (!isNpaStage(currentStage(a))) {
     return 0;
   }
-  const daysSinceNpa = Math.max(0, a.overdueDays - 90);
+  return Math.max(0, a.overdueDays - 90);
-  return round(a.outstandingBalance * (a.interestRate / 100) * (daysSinceNpa / 365));
+}
+
+/** Interest income de-recognised because the account has been NPA for longer than 90 days. */
+export function interestReversed(a: LoanAccount): number {
+  const days = daysSinceNpa(a);
+  if (days <= 0) {
+    return 0;
+  }
+  return round(a.outstandingBalance * (a.interestRate / 100) * (days / 365));
 }
 
 /** Date the account first crossed 90 days overdue (i.e. became NPA) — derived from overdueDays,
@@ -569,14 +842,96 @@ export function npaSinceDate(a: LoanAccount): string {
   if (!isNpaStage(currentStage(a))) {
     return '—';
   }
-  const daysSinceNpa = Math.max(0, a.overdueDays - 90);
+  return fmt(addDays(new Date(), -daysSinceNpa(a)));
-  return fmt(addDays(new Date(), -daysSinceNpa));
 }
 
 export function totalRecovered(a: LoanAccount): number {
   return a.recoveries.reduce((s, r) => s + r.amount, 0);
 }
 
+/**
+ * Cash recovered against an NPA account is appropriated to the memorandum "undebited interest"
+ * bucket first — consistent with IRAC norms recognising NPA interest income only on actual cash
+ * receipt, never on accrual — and only the balance beyond that reduces principal. Capped at the
+ * interest actually accrued, so this can never show more interest "recovered" than ever accrued.
+ */
+export function interestRecoveredCash(a: LoanAccount): number {
+  return Math.min(totalRecovered(a), interestReversed(a));
+}
+
+/** Memorandum interest still un-recovered — the "undebited interest" carried outside the
+ *  borrower's loan account (per IRAC norms), less whatever cash has actually been appropriated
+ *  against it so far. */
+export function undebitedInterestBalance(a: LoanAccount): number {
+  return interestReversed(a) - interestRecoveredCash(a);
+}
+
+// -------------------------------------------------------------------------
+// Recovery Management System — per-repayment-type overdue check, Expected vs
+// Actual Recovery, and the collateral-adequacy exception check. `overdueDays`
+// stays the single universal "how overdue is this account" signal (so IRAC
+// classification never needs a second, type-specific day-counter) — only its
+// PLAIN-ENGLISH INTERPRETATION differs by repayment type: an EMI account
+// missed its instalment, an OVERDRAWN account has been over its drawing power,
+// a BULLET account is past maturity unpaid.
+// -------------------------------------------------------------------------
+
+/** True once a bullet loan's maturity date has passed — the point at which the bank checks
+ *  whether the account "self-closed" (fully repaid) or is now overdue. */
+export function isBulletMatured(a: LoanAccount): boolean {
+  return a.repaymentType === 'BULLET' && a.maturityDate !== '—' && parseDMY(a.maturityDate).getTime() <= Date.now();
+}
+
+/** A bullet loan past maturity that's still carrying an overdue balance. */
+export function isBulletOverdue(a: LoanAccount): boolean {
+  return isBulletMatured(a) && a.overdueDays > 0;
+}
+
+/** A cash-credit/overdraft-style account currently drawn beyond its sanctioned drawing power. */
+export function isOverdrawnBreach(a: LoanAccount): boolean {
+  return a.repaymentType === 'OVERDRAWN' && a.outstandingBalance > a.drawingPower;
+}
+
+/** What ought to be recovered this month, by repayment type: the fixed EMI for a term loan, one
+ *  month's interest-servicing for an overdrawn CC/OD/KCC account, or the full outstanding once a
+ *  bullet loan has matured (0 before maturity — nothing is contractually due yet). */
+export function expectedRecoveryThisMonth(a: LoanAccount): number {
+  switch (a.repaymentType) {
+    case 'EMI':
+      return a.emiAmount;
+    case 'OVERDRAWN':
+      return round((a.outstandingBalance * a.interestRate) / 100 / 12);
+    case 'BULLET':
+      return isBulletMatured(a) ? a.outstandingBalance : 0;
+  }
+}
+
+/** What was actually recovered this month — `overdueDays === 0` means the account is fully
+ *  current, i.e. this cycle's EMI/interest/bullet-repayment landed in full; any overdue days at
+ *  all means it didn't, exactly the binary "full amount or mark Overdue" check a real recovery
+ *  desk runs (this demo book doesn't model partial-instalment part-payments). */
+export function actualRecoveryThisMonth(a: LoanAccount): number {
+  if (a.repaymentType === 'BULLET') {
+    return isBulletMatured(a) && a.overdueDays === 0 ? a.outstandingBalance : 0;
+  }
+  return a.overdueDays === 0 ? expectedRecoveryThisMonth(a) : 0;
+}
+
+/** Current collateral cover — market value of security as a % of outstanding balance. 0 for an
+ *  unsecured loan (no collateral to speak of). */
+export function securityCoverageRatio(a: LoanAccount): number {
+  if (!a.secured || a.outstandingBalance <= 0) {
+    return 0;
+  }
+  return (a.collateralMarketValue / a.outstandingBalance) * 100;
+}
+
+/** True when a secured loan's CURRENT security market value has fallen below what's actually
+ *  outstanding — the "security value is above loan" exception check every recovery review runs. */
+export function isUndersecured(a: LoanAccount): boolean {
+  return a.secured && a.collateralMarketValue < a.outstandingBalance;
+}
+
 export function movementLabel(prev: NpaStage, curr: NpaStage): string {
   if (prev === curr) {
     return 'No Change';
@@ -594,26 +949,33 @@ export function movementLabel(prev: NpaStage, curr: NpaStage): string {
 // in-page group/report tab rows, so a menu item and its screen can never
 // point at different labels.
 // -------------------------------------------------------------------------
-export type ReportGroupId = 'reports' | 'analysis' | 'classification';
+export type ReportGroupId = 'reports' | 'analysis' | 'classification' | 'recovery-mgmt';
 export interface ReportMeta {
   id: string;
   group: ReportGroupId;
   label: string;
 }
 export const REPORT_META: ReportMeta[] = [
-  { id: 'interest', group: 'reports', label: 'NPA Interest' },
+  { id: 'interest', group: 'reports', label: 'NPA Report' },
   { id: 'status', group: 'reports', label: 'NPA Status Report' },
   { id: 'recovery', group: 'reports', label: 'NPA Recovery Report' },
   { id: 'summary', group: 'reports', label: 'NPA Summary Report' },
   { id: 'account-detail', group: 'analysis', label: 'NPA Account Detail Report' },
   { id: 'movement', group: 'analysis', label: 'NPA Movement Report' },
   { id: 'provision', group: 'analysis', label: 'NPA with Provision and Required Provision' },
+  { id: 'undebited-interest', group: 'analysis', label: 'Undebited Interest Recovery Report' },
   { id: 'probable', group: 'classification', label: 'Probable NPA' },
-  { id: 'sma', group: 'classification', label: 'SMA Report' }
+  { id: 'sma', group: 'classification', label: 'SMA Report' },
+  { id: 'recovery-dashboard', group: 'recovery-mgmt', label: 'Recovery Management Dashboard' },
+  { id: 'daywise-overdue', group: 'recovery-mgmt', label: 'Day-wise Overdue Report' },
+  { id: 'daywise-overdrawn', group: 'recovery-mgmt', label: 'Day-wise Overdrawn Report' },
+  { id: 'agri-gold-value', group: 'recovery-mgmt', label: 'Agriculture / Gold Market Value Report' },
+  { id: 'exception-check', group: 'recovery-mgmt', label: 'Exception Check — Security Value vs Loan' }
 ];
 export const GROUP_LABELS: Record<ReportGroupId, string> = {
   reports: 'NPA Reports',
   analysis: 'NPA Analysis',
-  classification: 'NPA Classification'
+  classification: 'NPA Classification',
+  'recovery-mgmt': 'Recovery Management'
 };
 export const DEFAULT_REPORT_ID = 'summary';

src/app/npa/npa-reports/npa-reports.component.html

@@ -38,6 +38,9 @@
         <input type="text" [(ngModel)]="asOnDate" placeholder="DD-MM-YYYY" />
       </label>
       <button type="button" class="pg-btn pg-btn--primary" (click)="generate()">Generate</button>
+      <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="exportExcel()">
+        {{ generating ? 'Exporting…' : 'Export to Excel' }}
+      </button>
     </div>
   </header>
 
@@ -72,7 +75,7 @@
   </div>
 
   <div class="cctr-tabs">
-    @for (g of ['reports', 'analysis', 'classification']; track g) {
+    @for (g of ['reports', 'analysis', 'classification', 'recovery-mgmt']; track g) {
       <button
         type="button"
         class="pg-btn pg-btn--ghost"
@@ -100,7 +103,7 @@
   <!-- ===================== 01 NPA INTEREST ===================== -->
   @if (activeReport === 'interest') {
     <div class="pg-card">
-      <div class="pos-section-label">NPA Interest — Income Reversed on Non-Performing Accounts</div>
+      <div class="pos-section-label">NPA Report — Income Reversed on Non-Performing Accounts</div>
       <table class="pg-table">
         <thead>
           <tr>
@@ -261,16 +264,22 @@
       <div class="pos-section-label">Record a Recovery Against an NPA Account</div>
       <div class="inv-form-grid">
         <label class="inv-form-field">
-          <span>* NPA Account</span>
+          <span>Account Type</span>
-          <select [(ngModel)]="newRecovery.accountNo">
+          <select [ngModel]="recoveryProductFilter" (ngModelChange)="setRecoveryProductFilter($event)">
-            <option value="">-- Select --</option>
+            <option value="">-- All Account Types --</option>
-            @for (a of recoveryOptions; track a.accountNo) {
+            @for (p of recoveryProductOptions; track p) {
-              <option [value]="a.accountNo">
+              <option [value]="p">{{ p }}</option>
-                {{ a.accountNo }} — {{ a.customerName }} ({{ stageLabel(stage(a)) }})
-              </option>
             }
           </select>
         </label>
+        <label class="inv-form-field">
+          <span>* NPA Account</span>
+          <mifosx-search-select
+            [options]="recoveryAccountSearchOptions"
+            [(ngModel)]="newRecovery.accountNo"
+            placeholder="Search account no. or customer name…"
+          ></mifosx-search-select>
+        </label>
         <label class="inv-form-field">
           <span>* Recovery Date</span>
           <input type="text" [(ngModel)]="newRecovery.date" placeholder="DD-MM-YYYY" />
@@ -296,45 +305,66 @@
     </div>
 
     <div class="pg-card">
-      <div class="pos-section-label">
+      <div
-        NPA Recovery Register — ₹{{ totalRecoveredAmount | number: '1.0-0' }} recovered against ₹{{
+        class="pos-section-label"
-          gnpaAmount | number: '1.0-0'
+        style="display: flex; align-items: center; justify-content: space-between; gap: 8px; flex-wrap: wrap"
-        }}
+      >
-        GNPA outstanding
+        <span>
+          NPA Recovery Register — ₹{{ totalRecoveredAmount | number: '1.0-0' }} recovered against ₹{{
+            gnpaAmount | number: '1.0-0'
+          }}
+          GNPA outstanding
+        </span>
+        @if (recoveryProductFilter) {
+          <span class="pg-chip">Filtered: {{ recoveryProductFilter }}</span>
+        }
       </div>
+      <p class="pg-sub" style="padding: 8px 16px 12px">
+        Target Recovery is the account's contractual due this month (EMI / interest-servicing / bullet amount) — same
+        basis as the Recovery Management Dashboard.
+      </p>
       <table class="pg-table">
         <thead>
           <tr>
             <th>Date</th>
+            <th>Account Type</th>
+            <th>NPA Category</th>
             <th>Account No</th>
             <th>Customer</th>
             <th>Branch</th>
             <th>Mode</th>
-            <th class="num col-in">Recovered Amount</th>
+            <th class="num">Target Recovery</th>
+            <th class="num col-in">Recovered Amount (Actual)</th>
           </tr>
         </thead>
         <tbody>
           @for (r of paged(recoveryRows); track r.accountNo + r.date + r.amount) {
             <tr>
               <td>{{ r.date }}</td>
+              <td>{{ r.productName }}</td>
+              <td>
+                <span [class]="r.npaCategoryClass">{{ r.npaCategory }}</span>
+              </td>
               <td>
                 <span class="pg-chip">{{ r.accountNo }}</span>
               </td>
               <td>{{ r.customerName }}</td>
               <td>{{ r.branchName }}</td>
               <td>{{ r.mode }}</td>
+              <td class="num">₹{{ r.targetRecovery | number: '1.0-0' }}</td>
               <td class="num col-in">₹{{ r.amount | number: '1.0-0' }}</td>
             </tr>
           } @empty {
             <tr>
-              <td colspan="6" class="pg-empty">No recoveries recorded yet.</td>
+              <td colspan="9" class="pg-empty">No recoveries recorded yet.</td>
             </tr>
           }
         </tbody>
         <tfoot>
           <tr class="cctr-total-row">
-            <td colspan="5">Total Recovered</td>
+            <td colspan="7">Total (Target once per account · Actual across all entries shown)</td>
-            <td class="num">₹{{ totalRecoveredAmount | number: '1.0-0' }}</td>
+            <td class="num">₹{{ recoveryTargetTotal | number: '1.0-0' }}</td>
+            <td class="num">₹{{ recoveryActualTotal | number: '1.0-0' }}</td>
           </tr>
         </tfoot>
       </table>
@@ -459,9 +489,14 @@
 
     @if (selectedAccount; as a) {
       <div class="pg-card">
-        <div class="pos-section-label">
+        <div class="pos-section-label npa-detail-header">
-          {{ a.accountNo }} — {{ a.customerName }}
+          <span
-          <span [class]="badgeClass(stage(a))">{{ stageLabel(stage(a)) }}</span>
+            >{{ a.accountNo }} — {{ a.customerName }}
+            <span [class]="badgeClass(stage(a))">{{ stageLabel(stage(a)) }}</span></span
+          >
+          <button type="button" class="pg-btn npa-timeline-trigger" (click)="openTimelineModal()">
+            <fa-icon icon="history"></fa-icon> Recovery Journey
+          </button>
         </div>
         <dl class="npa-detail-grid">
           <div class="npa-detail-field">
@@ -781,7 +816,97 @@
     </div>
   }
 
-  <!-- ===================== 08 PROBABLE NPA ===================== -->
+  <!-- ===================== 08 UNDEBITED INTEREST RECOVERY REPORT ===================== -->
+  @if (activeReport === 'undebited-interest') {
+    <div class="pg-card">
+      <div class="pos-section-label">
+        Undebited Interest Recovery Report — Memorandum Interest Held Outside the Loan Account (IRAC Norms)
+      </div>
+      <p class="pg-sub npa-report-note">
+        Once an account turns NPA, interest is no longer debited to the borrower's loan account or recognised as income
+        — it is tracked here as memorandum "undebited interest" and recognised only when actually recovered in cash.
+        Cash recovered is appropriated to this bucket first; any balance beyond it reduces principal.
+      </p>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Account No</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Stage</th>
+              <th>NPA Since</th>
+              <th class="num">Days NPA</th>
+              <th class="num">Rate</th>
+              <th class="num col-out">Undebited Interest Accrued</th>
+              <th class="num col-in">Interest Recovered (Cash)</th>
+              <th class="num">Undebited Interest Balance</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(npaAccounts); track a.accountNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ a.accountNo }}</span>
+                </td>
+                <td>{{ a.customerName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>
+                  <span [class]="badgeClass(stage(a))">{{ stageLabel(stage(a)) }}</span>
+                </td>
+                <td>{{ npaSince(a) }}</td>
+                <td class="num">{{ daysSinceNpaOf(a) }}</td>
+                <td class="num">{{ a.interestRate }}%</td>
+                <td class="num col-out">₹{{ interestRev(a) | number: '1.0-0' }}</td>
+                <td class="num col-in">₹{{ interestRecoveredCashOf(a) | number: '1.0-0' }}</td>
+                <td class="num">₹{{ undebitedInterestBalanceOf(a) | number: '1.0-0' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="10" class="pg-empty">No NPA accounts in this branch.</td>
+              </tr>
+            }
+          </tbody>
+          <tfoot>
+            <tr class="cctr-total-row">
+              <td colspan="7">Total ({{ npaAccounts.length }} accounts)</td>
+              <td class="num">₹{{ undebitedInterestAccruedTotal | number: '1.0-0' }}</td>
+              <td class="num">₹{{ interestRecoveredCashTotal | number: '1.0-0' }}</td>
+              <td class="num">₹{{ undebitedInterestBalanceTotal | number: '1.0-0' }}</td>
+            </tr>
+          </tfoot>
+        </table>
+      </div>
+      @if (npaAccounts.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(npaAccounts) }}–{{ rangeEnd(npaAccounts) }} of {{ npaAccounts.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, npaAccounts)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(npaAccounts) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(npaAccounts)"
+              (click)="goToPage(currentPage + 1, npaAccounts)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== 09 PROBABLE NPA ===================== -->
   @if (activeReport === 'probable') {
     <div class="pg-card">
       <div class="pos-section-label">
@@ -868,7 +993,7 @@
     </div>
   }
 
-  <!-- ===================== 09 SMA REPORT ===================== -->
+  <!-- ===================== 10 SMA REPORT ===================== -->
   @if (activeReport === 'sma') {
     <div class="pg-card">
       <div class="pos-section-label">Special Mention Accounts — SMA-0 (1–30d) / SMA-1 (31–60d) / SMA-2 (61–90d)</div>
@@ -944,6 +1069,548 @@
       }
     </div>
   }
+
+  <!-- ===================== 11 RECOVERY MANAGEMENT DASHBOARD ===================== -->
+  @if (activeReport === 'recovery-dashboard') {
+    <div class="pg-card">
+      <div class="pos-section-label">Recovery Management Dashboard — Loan-Type Overdue Check</div>
+      <p class="pg-sub npa-report-note">
+        Every loan is checked for "is this cycle's dues fully recovered" the way it's actually due — a Term Loan (EMI)
+        is checked against its instalment, an Overdrawn (CC/OD/KCC) account against its drawing power and interest
+        servicing, and a Bullet loan (Gold) is checked once past maturity.
+      </p>
+      <div class="inv-kpis npa-kpis--three">
+        @for (row of recoveryTypeSummary; track row.type) {
+          <div class="inv-kpi">
+            <span class="inv-kpi__label">{{ row.label }}</span>
+            <span class="inv-kpi__value">{{ row.accounts }} accounts</span>
+            <span class="inv-kpi__sub" [class.npa-warn]="row.overdueCount > 0"
+              >{{ row.overdueCount }} overdue this cycle</span
+            >
+          </div>
+        }
+      </div>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Expected vs Actual Recovery — This Cycle, by Loan Type</div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Loan Type</th>
+            <th class="num">Accounts</th>
+            <th class="num">Overdue Now</th>
+            <th class="num">Expected Recovery</th>
+            <th class="num col-in">Actual Recovery</th>
+            <th class="num">Variance</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (row of recoveryTypeSummary; track row.type) {
+            <tr>
+              <td>{{ row.label }}</td>
+              <td class="num">{{ row.accounts }}</td>
+              <td class="num">{{ row.overdueCount }}</td>
+              <td class="num">₹{{ row.expected | number: '1.0-0' }}</td>
+              <td class="num col-in">₹{{ row.actual | number: '1.0-0' }}</td>
+              <td class="num" [class.col-out]="row.actual - row.expected < 0">
+                ₹{{ row.actual - row.expected | number: '1.0-0' }}
+              </td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr class="cctr-total-row">
+            <td>Total</td>
+            <td class="num">{{ allAccounts.length }}</td>
+            <td class="num">
+              {{
+                recoveryTypeSummary[0].overdueCount +
+                  recoveryTypeSummary[1].overdueCount +
+                  recoveryTypeSummary[2].overdueCount
+              }}
+            </td>
+            <td class="num">₹{{ expectedRecoveryTotal | number: '1.0-0' }}</td>
+            <td class="num">₹{{ actualRecoveryTotal | number: '1.0-0' }}</td>
+            <td class="num" [class.col-out]="recoveryVarianceTotal < 0">
+              ₹{{ recoveryVarianceTotal | number: '1.0-0' }}
+            </td>
+          </tr>
+        </tfoot>
+      </table>
+      <p class="pg-sub npa-report-note">
+        Overall recovery rate: {{ recoveryPctTotal | number: '1.1-1' }}% of this cycle's expected dues.
+      </p>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Loan-wise Expected vs Actual Recovery</div>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Account No</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Loan Type</th>
+              <th class="num">Expected</th>
+              <th class="num col-in">Actual</th>
+              <th class="num">Variance</th>
+              <th>Status</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(loanWiseRecoveryAccounts); track a.accountNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ a.accountNo }}</span>
+                </td>
+                <td>{{ a.customerName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ repaymentTypeLabel(a.repaymentType) }}</td>
+                <td class="num">₹{{ expectedThisMonth(a) | number: '1.0-0' }}</td>
+                <td class="num col-in">₹{{ actualThisMonth(a) | number: '1.0-0' }}</td>
+                <td class="num" [class.col-out]="recoveryVariance(a) < 0">
+                  ₹{{ recoveryVariance(a) | number: '1.0-0' }}
+                </td>
+                <td>
+                  <span
+                    class="npa-badge"
+                    [class.npa-badge--standard]="recoveryVariance(a) >= 0"
+                    [class.npa-badge--substandard]="recoveryVariance(a) < 0"
+                  >
+                    {{ recoveryVariance(a) >= 0 ? 'Recovered' : 'Shortfall' }}
+                  </span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="8" class="pg-empty">No accounts in this branch.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (loanWiseRecoveryAccounts.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(loanWiseRecoveryAccounts) }}–{{ rangeEnd(loanWiseRecoveryAccounts) }} of
+            {{ loanWiseRecoveryAccounts.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, loanWiseRecoveryAccounts)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(loanWiseRecoveryAccounts) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(loanWiseRecoveryAccounts)"
+              (click)="goToPage(currentPage + 1, loanWiseRecoveryAccounts)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== 12 DAY-WISE OVERDUE REPORT ===================== -->
+  @if (activeReport === 'daywise-overdue') {
+    <div class="pg-card">
+      <div class="pos-section-label">Day-wise Overdue Report — Ageing Buckets</div>
+      <table class="pg-table">
+        <thead>
+          <tr>
+            <th>Overdue Bucket</th>
+            <th class="num">Accounts</th>
+            <th class="num">Outstanding</th>
+            <th class="num col-out">Overdue Amount</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (b of overdueAgeingBuckets; track b.label) {
+            <tr>
+              <td>{{ b.label }}</td>
+              <td class="num">{{ b.count }}</td>
+              <td class="num">₹{{ b.outstanding | number: '1.0-0' }}</td>
+              <td class="num col-out">₹{{ b.overdueAmt | number: '1.0-0' }}</td>
+            </tr>
+          }
+        </tbody>
+      </table>
+    </div>
+
+    <div class="pg-card">
+      <div class="pos-section-label">Overdue Accounts — Day-wise, Marked by SMA Stage</div>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Account No</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Product</th>
+              <th>Stage</th>
+              <th class="num">Overdue Days</th>
+              <th class="num">Outstanding</th>
+              <th class="num col-out">Overdue Amount</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(overdueDaysAccounts); track a.accountNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ a.accountNo }}</span>
+                </td>
+                <td>{{ a.customerName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ a.productName }}</td>
+                <td>
+                  <span [class]="badgeClass(stage(a))">{{ stageLabel(stage(a)) }}</span>
+                </td>
+                <td class="num">{{ a.overdueDays }}</td>
+                <td class="num">₹{{ a.outstandingBalance | number: '1.0-0' }}</td>
+                <td class="num col-out">₹{{ a.overdueAmount | number: '1.0-0' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="8" class="pg-empty">No overdue accounts in this branch.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (overdueDaysAccounts.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(overdueDaysAccounts) }}–{{ rangeEnd(overdueDaysAccounts) }} of
+            {{ overdueDaysAccounts.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, overdueDaysAccounts)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(overdueDaysAccounts) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(overdueDaysAccounts)"
+              (click)="goToPage(currentPage + 1, overdueDaysAccounts)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== 13 DAY-WISE OVERDRAWN REPORT ===================== -->
+  @if (activeReport === 'daywise-overdrawn') {
+    <div class="pg-card">
+      <div class="pos-section-label">
+        Day-wise Overdrawn Report — Cash Credit / Overdraft / KCC Accounts ({{ overdrawnBreachCount }} of
+        {{ overdrawnAccounts.length }} breaching Drawing Power)
+      </div>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Account No</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Product</th>
+              <th class="num">Drawing Power</th>
+              <th class="num">Outstanding</th>
+              <th class="num col-out">Excess Over DP</th>
+              <th class="num">Days Overdrawn</th>
+              <th>Status</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(overdrawnAccounts); track a.accountNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ a.accountNo }}</span>
+                </td>
+                <td>{{ a.customerName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ a.productName }}</td>
+                <td class="num">₹{{ a.drawingPower | number: '1.0-0' }}</td>
+                <td class="num">₹{{ a.outstandingBalance | number: '1.0-0' }}</td>
+                <td class="num col-out">₹{{ excessOverDp(a) | number: '1.0-0' }}</td>
+                <td class="num">{{ overdrawnBreachOf(a) ? a.overdueDays : 0 }}</td>
+                <td>
+                  <span
+                    class="npa-badge"
+                    [class.npa-badge--standard]="!overdrawnBreachOf(a)"
+                    [class.npa-badge--substandard]="overdrawnBreachOf(a)"
+                  >
+                    {{ overdrawnBreachOf(a) ? 'DP Breached' : 'Within Limit' }}
+                  </span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="9" class="pg-empty">No Overdrawn accounts in this branch.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (overdrawnAccounts.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(overdrawnAccounts) }}–{{ rangeEnd(overdrawnAccounts) }} of
+            {{ overdrawnAccounts.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, overdrawnAccounts)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(overdrawnAccounts) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(overdrawnAccounts)"
+              (click)="goToPage(currentPage + 1, overdrawnAccounts)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== 14 AGRICULTURE / GOLD MARKET VALUE REPORT ===================== -->
+  @if (activeReport === 'agri-gold-value') {
+    <div class="pg-card">
+      <div class="pos-section-label">Agriculture / Gold Market Value Report — Current Security Value vs Loan</div>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Account No</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Product</th>
+              <th class="num">Outstanding</th>
+              <th class="num">Collateral Value (At Sanction)</th>
+              <th class="num">Market Value (Now)</th>
+              <th class="num">Coverage %</th>
+              <th>Status</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(agriGoldAccounts); track a.accountNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ a.accountNo }}</span>
+                </td>
+                <td>{{ a.customerName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ a.productName }}</td>
+                <td class="num">₹{{ a.outstandingBalance | number: '1.0-0' }}</td>
+                <td class="num">₹{{ a.collateralValue | number: '1.0-0' }}</td>
+                <td
+                  class="num"
+                  [class.col-in]="a.collateralMarketValue >= a.collateralValue"
+                  [class.col-out]="a.collateralMarketValue < a.collateralValue"
+                >
+                  ₹{{ a.collateralMarketValue | number: '1.0-0' }}
+                </td>
+                <td class="num">{{ coverageRatio(a) | number: '1.0-0' }}%</td>
+                <td>
+                  <span
+                    class="npa-badge"
+                    [class.npa-badge--standard]="!undersecuredOf(a)"
+                    [class.npa-badge--substandard]="undersecuredOf(a)"
+                  >
+                    {{ undersecuredOf(a) ? 'Undersecured' : 'Adequate' }}
+                  </span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="9" class="pg-empty">No Agriculture / Gold accounts in this branch.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (agriGoldAccounts.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(agriGoldAccounts) }}–{{ rangeEnd(agriGoldAccounts) }} of
+            {{ agriGoldAccounts.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, agriGoldAccounts)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(agriGoldAccounts) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(agriGoldAccounts)"
+              (click)="goToPage(currentPage + 1, agriGoldAccounts)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+
+  <!-- ===================== 15 EXCEPTION CHECK REPORT ===================== -->
+  @if (activeReport === 'exception-check') {
+    <div class="pg-card">
+      <div class="pos-section-label">
+        Exception Check — Security Value vs Loan ({{ exceptionAccounts.length }} accounts undersecured)
+      </div>
+      <p class="pg-sub npa-report-note">
+        Every secured loan's current security market value is expected to stay above its outstanding balance. This lists
+        the exceptions — where it doesn't — so recovery/credit can review before the next classification review.
+      </p>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Account No</th>
+              <th>Customer</th>
+              <th>Branch</th>
+              <th>Product</th>
+              <th>Stage</th>
+              <th class="num">Outstanding</th>
+              <th class="num">Market Value</th>
+              <th class="num col-out">Shortfall</th>
+              <th class="num">Coverage %</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of paged(exceptionAccounts); track a.accountNo) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ a.accountNo }}</span>
+                </td>
+                <td>{{ a.customerName }}</td>
+                <td>{{ a.branchName }}</td>
+                <td>{{ a.productName }}</td>
+                <td>
+                  <span [class]="badgeClass(stage(a))">{{ stageLabel(stage(a)) }}</span>
+                </td>
+                <td class="num">₹{{ a.outstandingBalance | number: '1.0-0' }}</td>
+                <td class="num">₹{{ a.collateralMarketValue | number: '1.0-0' }}</td>
+                <td class="num col-out">₹{{ securityShortfall(a) | number: '1.0-0' }}</td>
+                <td class="num">{{ coverageRatio(a) | number: '1.0-0' }}%</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="9" class="pg-empty">No undersecured accounts in this branch.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (exceptionAccounts.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(exceptionAccounts) }}–{{ rangeEnd(exceptionAccounts) }} of
+            {{ exceptionAccounts.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, exceptionAccounts)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(exceptionAccounts) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(exceptionAccounts)"
+              (click)="goToPage(currentPage + 1, exceptionAccounts)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
 </div>
 
+<!-- ===================== Recovery / Collection Journey popup ===================== -->
+@if (showTimelineModal && selectedAccount; as a) {
+  <div class="npa-timeline-backdrop" (click)="closeTimelineModal()">
+    <div class="npa-timeline-modal" (click)="$event.stopPropagation()">
+      <header class="npa-timeline-modal__head">
+        <div class="npa-timeline-modal__title">
+          <span class="npa-timeline-modal__eyebrow">Recovery / Collection Journey</span>
+          <h2>{{ a.accountNo }} — {{ a.customerName }}</h2>
+          <div class="npa-timeline-modal__meta">
+            <span [class]="badgeClass(stage(a))">{{ stageLabel(stage(a)) }}</span>
+            <span class="npa-timeline-modal__branch">{{ a.branchName }}</span>
+            <span class="npa-timeline-modal__count">{{ a.collectionTimeline.length }} touchpoints</span>
+          </div>
+        </div>
+        <button type="button" class="npa-timeline-modal__close" (click)="closeTimelineModal()" aria-label="Close">
+          <fa-icon icon="times"></fa-icon>
+        </button>
+      </header>
+      <div class="npa-timeline-modal__body">
+        @if (a.collectionTimeline.length) {
+          <ol class="npa-timeline">
+            @for (e of a.collectionTimeline; track e.date + e.type) {
+              <li [class]="'npa-timeline-item npa-timeline-item--' + timelineEventTone(e.type)">
+                <span class="npa-timeline-item__icon"><fa-icon [icon]="timelineEventIcon(e.type)"></fa-icon></span>
+                <div class="npa-timeline-item__body">
+                  <div class="npa-timeline-item__row">
+                    <span class="npa-timeline-item__type">{{ e.type }}</span>
+                    <span class="npa-timeline-item__date">{{ e.date }}</span>
+                  </div>
+                  <p class="npa-timeline-item__remarks">{{ e.remarks }}</p>
+                  <span class="npa-timeline-item__channel">{{ e.channel }}</span>
+                </div>
+              </li>
+            }
+          </ol>
+        } @else {
+          <div class="npa-timeline-empty">
+            <fa-icon icon="check-circle"></fa-icon>
+            <p>No collection activity — this account has never gone overdue.</p>
+          </div>
+        }
+      </div>
+    </div>
+  </div>
+}
+
 <div class="inv-toast" [class.show]="toastVisible">{{ toastMsg }}</div>

src/app/npa/npa-shared.scss

@@ -10,6 +10,10 @@
 // and ../investment/investment-shared.scss (inv-kpis, inv-form-*, inv-toast — reused as-is since
 // they are the same generic "KPI tile / entry form / toast" primitives, not Investment-specific).
 
+.npa-report-note {
+  max-width: none;
+}
+
 .npa-badge {
   display: inline-flex;
   align-items: center;
@@ -84,6 +88,301 @@
   }
 }
 
+// Recovery Management Dashboard's 3 loan-type panels — same .inv-kpi tile, just a 3-wide grid
+// instead of the portfolio strip's 4-wide one.
+.npa-kpis--three {
+  grid-template-columns: repeat(3, 1fr);
+}
+
+// Account Detail header — title/badge on the left, the Recovery Journey trigger pinned right.
+.npa-detail-header {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  flex-wrap: wrap;
+}
+
+.npa-timeline-trigger {
+  margin-left: auto;
+  display: inline-flex;
+  align-items: center;
+  gap: 7px;
+  background: linear-gradient(135deg, #eef2ff, #e0e7ff);
+  color: #4338ca;
+  border: 1px solid #c7d2fe;
+  font-weight: 700;
+  text-transform: none;
+  letter-spacing: normal;
+  transition:
+    box-shadow 0.15s ease,
+    transform 0.15s ease;
+
+  &:hover {
+    background: linear-gradient(135deg, #e0e7ff, #c7d2fe);
+    box-shadow: 0 4px 14px rgb(67 56 202 / 22%);
+    transform: translateY(-1px);
+  }
+}
+
+// ---------------------------------------------------------------------------
+// Recovery / Collection Journey popup — a date-led timeline of every SMS, call,
+// visit, notice and payment run against one account, opened from the Account
+// Detail Report's "Recovery Journey" button.
+// ---------------------------------------------------------------------------
+.npa-timeline-backdrop {
+  position: fixed;
+  inset: 0;
+  background: rgb(15 23 42 / 55%);
+  backdrop-filter: blur(3px);
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  z-index: 1000;
+  padding: 24px;
+  animation: npa-timeline-fade-in 0.15s ease-out;
+}
+
+.npa-timeline-modal {
+  background: #fff;
+  border-radius: 18px;
+  width: 640px;
+  max-width: 100%;
+  max-height: min(720px, 88vh);
+  display: flex;
+  flex-direction: column;
+  box-shadow: 0 24px 60px rgb(15 23 42 / 35%);
+  animation: npa-timeline-slide-up 0.2s cubic-bezier(0.16, 1, 0.3, 1);
+  overflow: hidden;
+
+  &__head {
+    display: flex;
+    align-items: flex-start;
+    justify-content: space-between;
+    gap: 16px;
+    padding: 20px 22px;
+    border-bottom: 1px solid #e2e8f0;
+    background: linear-gradient(180deg, #f8fafc, #fff);
+  }
+
+  &__title {
+    display: flex;
+    flex-direction: column;
+    gap: 6px;
+    min-width: 0;
+
+    h2 {
+      margin: 0;
+      font-size: 17px;
+      font-weight: 800;
+      color: #0f172a;
+    }
+  }
+
+  &__eyebrow {
+    font-size: 10.5px;
+    font-weight: 700;
+    letter-spacing: 0.07em;
+    text-transform: uppercase;
+    color: #4338ca;
+  }
+
+  &__meta {
+    display: flex;
+    align-items: center;
+    gap: 8px;
+    flex-wrap: wrap;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__branch::before,
+  &__count::before {
+    content: '·';
+    margin-right: 8px;
+    color: #cbd5e1;
+  }
+
+  &__close {
+    flex-shrink: 0;
+    width: 32px;
+    height: 32px;
+    border-radius: 999px;
+    border: 1px solid #e2e8f0;
+    background: #fff;
+    color: #64748b;
+    display: inline-flex;
+    align-items: center;
+    justify-content: center;
+    cursor: pointer;
+    transition:
+      background 0.15s ease,
+      color 0.15s ease;
+
+    &:hover {
+      background: #f1f5f9;
+      color: #0f172a;
+    }
+  }
+
+  &__body {
+    overflow-y: auto;
+    padding: 22px;
+  }
+}
+
+@keyframes npa-timeline-fade-in {
+  from {
+    opacity: 0;
+  }
+
+  to {
+    opacity: 1;
+  }
+}
+
+@keyframes npa-timeline-slide-up {
+  from {
+    opacity: 0;
+    transform: translateY(14px) scale(0.98);
+  }
+
+  to {
+    opacity: 1;
+    transform: translateY(0) scale(1);
+  }
+}
+
+@media (prefers-reduced-motion: reduce) {
+  .npa-timeline-backdrop,
+  .npa-timeline-modal {
+    animation: none;
+  }
+}
+
+// The timeline list itself — a connecting vertical line runs behind the icon badges.
+.npa-timeline {
+  list-style: none;
+  margin: 0;
+  padding: 0;
+}
+
+.npa-timeline-item {
+  position: relative;
+  display: flex;
+  gap: 14px;
+  padding-bottom: 22px;
+
+  // The connecting line spans from just under this item's icon to just above the next one's —
+  // anchored to the item itself (not the fixed-size icon) via top+bottom, so it always reaches
+  // exactly as far as the gap to the next entry, however tall this entry's text runs.
+  &:not(:last-child)::before {
+    content: '';
+    position: absolute;
+    top: 34px;
+    bottom: -22px;
+    left: 17px;
+    width: 2px;
+    background: #e2e8f0;
+  }
+
+  &:last-child {
+    padding-bottom: 0;
+  }
+
+  &__icon {
+    position: relative;
+    flex-shrink: 0;
+    width: 34px;
+    height: 34px;
+    border-radius: 999px;
+    display: inline-flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 13px;
+    z-index: 1;
+  }
+
+  &--neutral &__icon {
+    background: #eff6ff;
+    color: #1d4ed8;
+  }
+
+  &--alert &__icon {
+    background: #fef2f2;
+    color: #b91c1c;
+  }
+
+  &--positive &__icon {
+    background: #f0fdf4;
+    color: #15803d;
+  }
+
+  &__body {
+    flex: 1;
+    min-width: 0;
+    padding-top: 4px;
+  }
+
+  &__row {
+    display: flex;
+    align-items: baseline;
+    justify-content: space-between;
+    gap: 10px;
+  }
+
+  &__type {
+    font-weight: 700;
+    font-size: 13.5px;
+    color: #0f172a;
+  }
+
+  &__date {
+    font-size: 11.5px;
+    color: #94a3b8;
+    font-variant-numeric: tabular-nums;
+    white-space: nowrap;
+  }
+
+  &__remarks {
+    margin: 3px 0 6px;
+    font-size: 12.5px;
+    color: #475569;
+    line-height: 1.45;
+  }
+
+  &__channel {
+    display: inline-block;
+    font-size: 10.5px;
+    font-weight: 700;
+    letter-spacing: 0.03em;
+    text-transform: uppercase;
+    color: #64748b;
+    background: #f1f5f9;
+    padding: 2px 8px;
+    border-radius: 6px;
+  }
+}
+
+.npa-timeline-empty {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 10px;
+  padding: 40px 20px;
+  color: #64748b;
+  text-align: center;
+
+  fa-icon {
+    font-size: 26px;
+    color: #22c55e;
+  }
+
+  p {
+    margin: 0;
+    font-size: 13px;
+  }
+}
+
 .npa-detail-grid {
   display: grid;
   grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));

src/app/npa/search-select/search-select.component.ts

@@ -0,0 +1,237 @@
+/**
+ * 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, ElementRef, forwardRef, HostListener, Input, ViewChild } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { ControlValueAccessor, FormsModule, NG_VALUE_ACCESSOR } from '@angular/forms';
+
+export interface SearchSelectOption {
+  value: string;
+  label: string;
+  /** What typed text is matched against — defaults to `label` when omitted, but a caller can
+   *  pass a richer string (e.g. account no + customer name + branch) so a search hits fields
+   *  that aren't all visible in the collapsed label. */
+  searchText?: string;
+}
+
+/**
+ * Drop-in replacement for a plain `<select>` when the option list is long enough that scanning
+ * it is impractical (e.g. hundreds of loan accounts) — a text box that filters the option list
+ * as you type, instead of a native dropdown you can only scroll through. Selection only commits
+ * on click; typing without picking an option reverts the box to the last committed selection on
+ * blur, so the bound ngModel value never drifts from an actual, valid option.
+ *
+ * The option list is positioned `fixed` and anchored to the input's own on-screen coordinates
+ * (recomputed on open/scroll/resize) rather than `absolute` inside the component — most of this
+ * app's cards use `overflow: hidden` for rounded corners, which would otherwise clip a dropdown
+ * that extends past the card's edge.
+ *
+ * Usage: <mifosx-search-select [options]="opts" [(ngModel)]="selectedValue"></mifosx-search-select>
+ */
+@Component({
+  selector: 'mifosx-search-select',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule
+  ],
+  providers: [
+    {
+      provide: NG_VALUE_ACCESSOR,
+      useExisting: forwardRef(() => SearchSelectComponent),
+      multi: true
+    }
+  ],
+  template: `
+    <div class="inv-search-select">
+      <input
+        #inputEl
+        type="text"
+        class="inv-search-select__input"
+        [value]="query"
+        [placeholder]="placeholder"
+        [disabled]="disabled"
+        (input)="onInput($event)"
+        (focus)="onFocus()"
+        (blur)="onBlur()"
+      />
+      @if (open) {
+        <ul
+          class="inv-search-select__list"
+          [style.top.px]="listTop"
+          [style.left.px]="listLeft"
+          [style.width.px]="listWidth"
+          (mousedown)="$event.preventDefault()"
+        >
+          @for (o of filteredOptions; track o.value) {
+            <li
+              class="inv-search-select__option"
+              [class.inv-search-select__option--active]="o.value === value"
+              (click)="selectOption(o)"
+            >
+              {{ o.label }}
+            </li>
+          } @empty {
+            <li class="inv-search-select__empty">No matches</li>
+          }
+        </ul>
+      }
+    </div>
+  `,
+  styles: [
+    `
+      /* Angular view encapsulation stops the host page's shared styles from reaching inside this
+       * component's own template, so its look is re-declared here rather than inherited. */
+      :host {
+        display: block;
+        width: 100%;
+      }
+      .inv-search-select {
+        position: relative;
+        width: 100%;
+      }
+      .inv-search-select__input {
+        width: 100%;
+        height: 36px;
+        padding: 0 10px;
+        border: 1px solid #e2e8f0;
+        border-radius: 8px;
+        font-size: 13px;
+        color: #0d1b2a;
+        font-family: inherit;
+        background: #fff;
+        box-sizing: border-box;
+      }
+      .inv-search-select__list {
+        position: fixed;
+        z-index: 2000;
+        max-height: 260px;
+        overflow-y: auto;
+        margin: 0;
+        padding: 4px;
+        list-style: none;
+        background: #fff;
+        border: 1px solid #e2e8f0;
+        border-radius: 8px;
+        box-shadow: 0 8px 24px rgba(13, 27, 42, 0.18);
+      }
+      .inv-search-select__option {
+        padding: 8px 10px;
+        border-radius: 6px;
+        font-size: 13px;
+        color: #0d1b2a;
+        cursor: pointer;
+        white-space: nowrap;
+        overflow: hidden;
+        text-overflow: ellipsis;
+      }
+      .inv-search-select__option:hover,
+      .inv-search-select__option--active {
+        background: #eef2ff;
+      }
+      .inv-search-select__empty {
+        padding: 8px 10px;
+        font-size: 12px;
+        color: #94a3b8;
+      }
+    `
+  ]
+})
+export class SearchSelectComponent implements ControlValueAccessor {
+  @Input() options: SearchSelectOption[] = [];
+  @Input() placeholder = 'Search…';
+
+  @ViewChild('inputEl') private inputEl?: ElementRef<HTMLInputElement>;
+
+  value = '';
+  query = '';
+  open = false;
+  disabled = false;
+
+  listTop = 0;
+  listLeft = 0;
+  listWidth = 0;
+
+  private onChangeFn: (v: string) => void = () => {};
+  onTouched: () => void = () => {};
+
+  get filteredOptions(): SearchSelectOption[] {
+    const q = this.query.trim().toLowerCase();
+    if (!q) {
+      return this.options;
+    }
+    return this.options.filter((o) => (o.searchText || o.label).toLowerCase().includes(q));
+  }
+
+  private labelFor(value: string): string {
+    return this.options.find((o) => o.value === value)?.label ?? '';
+  }
+
+  writeValue(v: string): void {
+    this.value = v ?? '';
+    this.query = this.labelFor(this.value);
+  }
+
+  registerOnChange(fn: (v: string) => void): void {
+    this.onChangeFn = fn;
+  }
+
+  registerOnTouched(fn: () => void): void {
+    this.onTouched = fn;
+  }
+
+  setDisabledState(isDisabled: boolean): void {
+    this.disabled = isDisabled;
+  }
+
+  /** Anchors the fixed-position list to the input's current on-screen box. */
+  private updateListPosition(): void {
+    const el = this.inputEl?.nativeElement;
+    if (!el) {
+      return;
+    }
+    const rect = el.getBoundingClientRect();
+    this.listTop = rect.bottom + 4;
+    this.listLeft = rect.left;
+    this.listWidth = rect.width;
+  }
+
+  @HostListener('window:scroll')
+  @HostListener('window:resize')
+  onWindowChange(): void {
+    if (this.open) {
+      this.updateListPosition();
+    }
+  }
+
+  onInput(event: Event): void {
+    this.query = (event.target as HTMLInputElement).value;
+    this.open = true;
+    this.updateListPosition();
+  }
+
+  onFocus(): void {
+    this.open = true;
+    this.updateListPosition();
+  }
+
+  onBlur(): void {
+    this.open = false;
+    this.onTouched();
+    // Discard any uncommitted typed text — only a clicked option ever changes `value`.
+    this.query = this.labelFor(this.value);
+  }
+
+  selectOption(o: SearchSelectOption): void {
+    this.value = o.value;
+    this.query = o.label;
+    this.open = false;
+    this.onChangeFn(this.value);
+    this.onTouched();
+  }
+}

src/app/rbi-circulars/aml-rules/aml-rules.component.html

@@ -21,6 +21,22 @@
     </mat-card-header>
 
     <mat-card-content class="aml-card-content">
+      <!-- Separate the rules by the window they are measured over -->
+      <div class="period-filters">
+        <span class="period-filters-label">Applies over</span>
+        <button
+          *ngFor="let p of periodFilters"
+          type="button"
+          class="period-chip"
+          [class.active]="activePeriod === p.key"
+          [disabled]="periodCount(p.key) === 0"
+          (click)="setPeriod(p.key)"
+        >
+          {{ p.label }}
+          <span class="period-chip-n">{{ periodCount(p.key) }}</span>
+        </button>
+      </div>
+
       <table mat-table [dataSource]="rules" class="aml-table mat-elevation-z1">
         <!-- Order Position Column -->
         <ng-container matColumnDef="orderPosition">
@@ -45,10 +61,37 @@
           </td>
         </ng-container>
 
-        <!-- Income / Occupation Limit Column -->
+        <!-- What the min/max figures are measured against -->
-        <ng-container matColumnDef="incomeLimit">
+        <ng-container matColumnDef="limitBasis">
-          <th mat-header-cell *matHeaderCellDef>Income / Occupation Limit</th>
+          <th mat-header-cell *matHeaderCellDef>Limit Basis</th>
-          <td mat-cell *matCellDef="let element" class="income-limit-cell">{{ getIncomeLimitLabel(element) }}</td>
+          <td mat-cell *matCellDef="let element" class="basis-cell">
+            {{ getLimitBasis(element) }}
+            <span *ngIf="getNonNumericCriterion(element)" class="basis-sub">
+              {{ getNonNumericCriterion(element) }}
+            </span>
+          </td>
+        </ng-container>
+
+        <!-- Minimum Limit Column -->
+        <ng-container matColumnDef="minLimit">
+          <th mat-header-cell *matHeaderCellDef class="col-right">Minimum Limit</th>
+          <td mat-cell *matCellDef="let element" class="col-right amount-cell">{{ getMinLimit(element) }}</td>
+        </ng-container>
+
+        <!-- Maximum Limit Column -->
+        <ng-container matColumnDef="maxLimit">
+          <th mat-header-cell *matHeaderCellDef class="col-right">Maximum Limit</th>
+          <td mat-cell *matCellDef="let element" class="col-right amount-cell">
+            <span [class.no-ceiling]="getMaxLimit(element) === 'No upper limit'">{{ getMaxLimit(element) }}</span>
+          </td>
+        </ng-container>
+
+        <!-- Observation window the rule is measured over -->
+        <ng-container matColumnDef="appliesOver">
+          <th mat-header-cell *matHeaderCellDef class="col-center">Applies Over</th>
+          <td mat-cell *matCellDef="let element" class="col-center">
+            <span [ngClass]="periodClass(element)">{{ periodLabel(element) }}</span>
+          </td>
         </ng-container>
 
         <!-- Reason Column -->

src/app/rbi-circulars/aml-rules/aml-rules.component.scss

@@ -114,13 +114,141 @@
   max-width: 400px;
 }
 
-.income-limit-cell {
+.col-right {
+  text-align: right;
+  justify-content: flex-end;
+}
+
+/* What the min/max amounts are measured against. */
+.basis-cell {
   color: #334155;
-  font-size: 13px;
+  font-size: 12px;
-  font-weight: 500;
+  font-weight: 600;
   white-space: normal;
-  max-width: 200px;
+  max-width: 150px;
-  line-height: 1.35;
+  line-height: 1.3;
+}
+
+.basis-sub {
+  display: block;
+  font-size: 11px;
+  font-weight: 400;
+  color: #64748b;
+}
+
+.amount-cell {
+  font-family: 'DM Mono', monospace;
+  font-size: 12.5px;
+  color: #0f172a;
+  white-space: nowrap;
+}
+
+/* An open-ended threshold rule has a floor but no ceiling. */
+.no-ceiling {
+  font-family: inherit;
+  font-size: 11px;
+  font-style: italic;
+  color: #94a3b8;
+}
+
+/* ── Observation-window badges ─────────────────────────────────────────── */
+.period-badge {
+  display: inline-block;
+  padding: 3px 10px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  white-space: nowrap;
+  letter-spacing: 0.02em;
+
+  &.period-txn {
+    background: #e2e8f0;
+    color: #334155;
+  }
+
+  &.period-day {
+    background: #dbeafe;
+    color: #1d4ed8;
+  }
+
+  &.period-week {
+    background: #fef3c7;
+    color: #b45309;
+  }
+
+  &.period-month {
+    background: #ede9fe;
+    color: #6d28d9;
+  }
+
+  &.period-other {
+    background: #fee2e2;
+    color: #b91c1c;
+  }
+}
+
+/* Chips that separate the rule list by window. */
+.period-filters {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+  padding: 0 0 14px;
+}
+
+.period-filters-label {
+  font-size: 11px;
+  font-weight: 700;
+  color: #64748b;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  margin-right: 2px;
+}
+
+.period-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 7px;
+  padding: 6px 13px;
+  border: 1px solid #cbd5e1;
+  background: #fff;
+  border-radius: 999px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: #334155;
+  cursor: pointer;
+  font-family: inherit;
+  transition: all 0.15s;
+
+  &:hover:not(:disabled) {
+    border-color: #1a237e;
+    color: #1a237e;
+  }
+
+  &.active {
+    background: #1a237e;
+    border-color: #1a237e;
+    color: #fff;
+  }
+
+  &:disabled {
+    opacity: 0.4;
+    cursor: not-allowed;
+  }
+}
+
+.period-chip-n {
+  font-size: 11px;
+  font-weight: 700;
+  padding: 1px 7px;
+  border-radius: 999px;
+  background: #f1f5f9;
+  color: #475569;
+
+  .period-chip.active & {
+    background: rgb(255 255 255 / 22%);
+    color: #fff;
+  }
 }
 
 /* Badges for Risk Category */

src/app/rbi-circulars/aml-rules/aml-rules.component.ts

@@ -42,24 +42,185 @@ export class AmlRulesComponent implements OnInit {
     'orderPosition',
     'ruleName',
     'riskCategory',
-    'incomeLimit',
+    'limitBasis',
+    'minLimit',
+    'maxLimit',
+    'appliesOver',
     'reason',
     'amlCheckStatus',
     'bannedEntityMatch'
   ];
 
+  /** Every rule as returned by the API, before the period filter is applied. */
+  private allRules: any[] = [];
+
+  /** Period buckets the rules can be separated into. */
+  readonly periodFilters: { key: string; label: string }[] = [
+    { key: '', label: 'All rules' },
+    { key: 'TXN', label: 'Per transaction' },
+    { key: 'DAY', label: 'Daily' },
+    { key: 'WEEK', label: 'Weekly' },
+    { key: 'MONTH', label: 'Monthly' },
+    { key: 'OTHER', label: 'Other window' }
+  ];
+  activePeriod = '';
+
   @ViewChild(MatPaginator) paginator!: MatPaginator;
 
   ngOnInit(): void {
     this.clientsService.getClientRiskRules().subscribe({
       next: (data) => {
-        this.rules.data = data || [];
+        this.allRules = data || [];
+        this.applyPeriodFilter();
         this.rules.paginator = this.paginator;
       },
       error: () => {}
     });
   }
 
+  setPeriod(key: string): void {
+    this.activePeriod = key;
+    this.applyPeriodFilter();
+  }
+
+  private applyPeriodFilter(): void {
+    this.rules.data = this.activePeriod
+      ? this.allRules.filter((r) => this.periodKey(r) === this.activePeriod)
+      : this.allRules;
+    if (this.rules.paginator) {
+      this.rules.paginator.firstPage();
+    }
+  }
+
+  /** How many rules fall in each period bucket — shown on the filter chips. */
+  periodCount(key: string): number {
+    return key ? this.allRules.filter((r) => this.periodKey(r) === key).length : this.allRules.length;
+  }
+
+  /**
+   * Buckets a rule by the observation window it is measured over.
+   * A rule with no window is evaluated on the single transaction itself, so it is
+   * in force every day rather than accumulating over a period.
+   */
+  periodKey(rule: any): string {
+    const days = rule.txnWindowDays;
+    if (days == null || days === 0) {
+      return 'TXN';
+    }
+    if (days === 1) {
+      return 'DAY';
+    }
+    if (days === 7) {
+      return 'WEEK';
+    }
+    if (days >= 28 && days <= 31) {
+      return 'MONTH';
+    }
+    return 'OTHER';
+  }
+
+  periodLabel(rule: any): string {
+    const days = rule.txnWindowDays;
+    switch (this.periodKey(rule)) {
+      case 'TXN':
+        return 'Per transaction';
+      case 'DAY':
+        return 'Daily';
+      case 'WEEK':
+        return 'Weekly';
+      case 'MONTH':
+        return 'Monthly';
+      default:
+        return `${days} days`;
+    }
+  }
+
+  periodClass(rule: any): string {
+    return 'period-badge period-' + this.periodKey(rule).toLowerCase();
+  }
+
+  /** Sub-caption telling the reader what the min/max figures actually measure. */
+  getLimitBasis(rule: any): string {
+    if (rule.minMonthlyIncome > 0 || rule.maxMonthlyIncome > 0) {
+      return 'Monthly Income';
+    }
+    if (rule.minAnnualIncome > 0 || rule.maxAnnualIncome > 0) {
+      return 'Annual Income';
+    }
+    if (rule.minAnnualTurnover > 0 || rule.maxAnnualTurnover > 0) {
+      return 'Annual Turnover';
+    }
+    if (rule.txnThresholdAmountMediumRisk != null || rule.txnThresholdAmountHighRisk != null) {
+      return 'Txn Amount (tiered)';
+    }
+    if (rule.txnThresholdAmount != null) {
+      return 'Txn Amount';
+    }
+    if (rule.occupationName) {
+      return 'Occupation';
+    }
+    if (rule.occupationCategoryName) {
+      return 'Occupation Category';
+    }
+    return 'Behavioural pattern';
+  }
+
+  private inr(n: number): string {
+    return '₹' + Number(n).toLocaleString('en-IN');
+  }
+
+  /** Lower bound of the rule, or an em dash where the criterion is not numeric. */
+  getMinLimit(rule: any): string {
+    if (rule.minMonthlyIncome > 0) {
+      return this.inr(rule.minMonthlyIncome);
+    }
+    if (rule.minAnnualIncome > 0) {
+      return this.inr(rule.minAnnualIncome);
+    }
+    if (rule.minAnnualTurnover > 0) {
+      return this.inr(rule.minAnnualTurnover);
+    }
+    // Declarative band from m_aml_transaction_rule takes precedence over the raw threshold.
+    if (rule.txnMinLimitAmount != null) {
+      return this.inr(rule.txnMinLimitAmount);
+    }
+    if (rule.txnThresholdAmount != null) {
+      return this.inr(rule.txnThresholdAmount);
+    }
+    return '—';
+  }
+
+  /** Upper bound, or "No upper limit" where the rule is genuinely open-ended. */
+  getMaxLimit(rule: any): string {
+    if (rule.maxMonthlyIncome > 0) {
+      return this.inr(rule.maxMonthlyIncome);
+    }
+    if (rule.maxAnnualIncome > 0) {
+      return this.inr(rule.maxAnnualIncome);
+    }
+    if (rule.maxAnnualTurnover > 0) {
+      return this.inr(rule.maxAnnualTurnover);
+    }
+    if (rule.txnMaxLimitAmount != null) {
+      return this.inr(rule.txnMaxLimitAmount);
+    }
+    // A floor with no configured ceiling means the rule has no upper bound.
+    if (
+      rule.minMonthlyIncome > 0 ||
+      rule.minAnnualIncome > 0 ||
+      rule.minAnnualTurnover > 0 ||
+      rule.txnThresholdAmount != null
+    ) {
+      return 'No upper limit';
+    }
+    return '—';
+  }
+
+  /** Occupation-driven rules carry no amount; show the criterion instead. */
+  getNonNumericCriterion(rule: any): string {
+    return rule.occupationName || rule.occupationCategoryName || '';
+  }
+
   getRiskCategoryLabel(category: number): string {
     switch (category) {
       case 1:
@@ -85,39 +246,4 @@ export class AmlRulesComponent implements OnInit {
         return '';
     }
   }
-
-  /** Formats whichever income/turnover/occupation criterion drives this rule's risk mark. */
-  getIncomeLimitLabel(rule: any): string {
-    const inr = (n: number) => '₹' + Number(n).toLocaleString('en-IN');
-    if (rule.minMonthlyIncome != null && rule.minMonthlyIncome > 0) {
-      return rule.maxMonthlyIncome != null && rule.maxMonthlyIncome > 0
-        ? `Monthly Income ${inr(rule.minMonthlyIncome)} - ${inr(rule.maxMonthlyIncome)}`
-        : `Monthly Income > ${inr(rule.minMonthlyIncome)}`;
-    }
-    if (rule.minAnnualIncome != null && rule.minAnnualIncome > 0) {
-      return rule.maxAnnualIncome != null && rule.maxAnnualIncome > 0
-        ? `Annual Income ${inr(rule.minAnnualIncome)} - ${inr(rule.maxAnnualIncome)}`
-        : `Annual Income > ${inr(rule.minAnnualIncome)}`;
-    }
-    if (rule.minAnnualTurnover != null && rule.minAnnualTurnover > 0) {
-      return rule.maxAnnualTurnover != null && rule.maxAnnualTurnover > 0
-        ? `Annual Turnover ${inr(rule.minAnnualTurnover)} - ${inr(rule.maxAnnualTurnover)}`
-        : `Annual Turnover > ${inr(rule.minAnnualTurnover)}`;
-    }
-    if (rule.occupationName) return `Occupation: ${rule.occupationName}`;
-    if (rule.occupationCategoryName) return `Occupation Category: ${rule.occupationCategoryName}`;
-    if (rule.txnThresholdAmountMediumRisk != null || rule.txnThresholdAmountHighRisk != null) {
-      const parts: string[] = [];
-      if (rule.txnThresholdAmountMediumRisk != null) parts.push(`${inr(rule.txnThresholdAmountMediumRisk)} (Medium Risk)`);
-      if (rule.txnThresholdAmountHighRisk != null) parts.push(`${inr(rule.txnThresholdAmountHighRisk)} (High Risk)`);
-      return `Txn Amount ≥ ${parts.join(' / ')}`;
-    }
-    if (rule.txnThresholdAmount != null) {
-      const amt = inr(rule.txnThresholdAmount);
-      if (rule.txnRuleType === 'THRESHOLD') return `Txn Amount ≥ ${amt}`;
-      if (rule.txnWindowDays != null) return `${amt} within ${rule.txnWindowDays} days`;
-      return `Txn Amount ≥ ${amt}`;
-    }
-    return 'Behavioral / Transaction Pattern';
-  }
 }

src/app/rbi-circulars/gl-mapping-dialog.component.html

@@ -0,0 +1,126 @@
+<!--
+  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="glm-root">
+  <div class="glm-head">
+    <div>
+      <h3>Map General Ledger accounts</h3>
+      <p>{{ data.returnCode }} &middot; {{ data.lineLabel }}</p>
+    </div>
+    <button class="glm-btn" (click)="cancel()"><fa-icon icon="times"></fa-icon></button>
+  </div>
+
+  <!-- Live comparison between the ledger and the figure on the return -->
+  <div
+    class="glm-compare"
+    [class.glm-compare--match]="selected.length && matchesFiled"
+    [class.glm-compare--diff]="selected.length && !matchesFiled && variance !== null"
+  >
+    <div class="glm-fig">
+      <span class="glm-fig-l">On the return</span>
+      <span class="glm-fig-v">{{ data.filedValue === null ? '—' : (data.filedValue | number: '1.2-2') }}</span>
+    </div>
+    <fa-icon icon="exchange-alt" class="glm-fig-ic"></fa-icon>
+    <div class="glm-fig">
+      <span class="glm-fig-l">From the ledger</span>
+      <span class="glm-fig-v">{{ selected.length ? (derivedValue | number: '1.2-2') : '—' }}</span>
+    </div>
+    @if (selected.length && variance !== null) {
+      <div class="glm-fig glm-fig--var">
+        <span class="glm-fig-l">Variance</span>
+        <span class="glm-fig-v">{{ variance | number: '1.2-2' }}</span>
+      </div>
+    }
+    <div class="glm-compare-note">
+      @if (!selected.length) {
+        Select accounts below to derive this line from the ledger.
+      } @else if (matchesFiled) {
+        Ledger agrees with the filed figure.
+      } @else {
+        Ledger differs from the filed figure — the mapped value will be shown on the return.
+      }
+    </div>
+  </div>
+
+  <!-- Currently pinned accounts -->
+  <div class="glm-selected">
+    <div class="glm-selected-h">
+      <span>Mapped accounts ({{ selected.length }})</span>
+      @if (selected.length) {
+        <button class="glm-link" (click)="clearAll()">Remove all</button>
+      }
+    </div>
+    @if (selected.length) {
+      <div class="glm-chips">
+        @for (code of selected; track code) {
+          <span class="glm-chip">
+            <span class="mono">{{ code }}</span> {{ accountName(code) }}
+            <button class="glm-chip-x" (click)="removeSelected(code)" [attr.aria-label]="'Remove ' + code">
+              <fa-icon icon="times"></fa-icon>
+            </button>
+          </span>
+        }
+      </div>
+    } @else {
+      <p class="glm-empty">No accounts mapped — this line still uses the figure filed on the return.</p>
+    }
+  </div>
+
+  <!-- Chart of accounts picker -->
+  <div class="glm-filters">
+    <input class="glm-inp" type="text" placeholder="Search by code, name or group…" [(ngModel)]="search" />
+    <select class="glm-inp glm-inp--sm" [(ngModel)]="typeFilter">
+      <option value="">All types</option>
+      @for (t of types; track t) {
+        <option [value]="t">{{ t }}</option>
+      }
+    </select>
+  </div>
+
+  <div class="glm-list">
+    <table class="glm-tbl">
+      <thead>
+        <tr>
+          <th class="ta-c">Map</th>
+          <th>GL Code</th>
+          <th>Account</th>
+          <th>Type</th>
+          <th>Group</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (a of filtered; track a.code) {
+          <tr [class.on]="isSelected(a.code)" (click)="toggle(a.code)">
+            <td class="ta-c">
+              <span class="glm-check" [class.on]="isSelected(a.code)">
+                @if (isSelected(a.code)) {
+                  <fa-icon icon="check-circle"></fa-icon>
+                }
+              </span>
+            </td>
+            <td class="mono">{{ a.code }}</td>
+            <td>{{ a.name }}</td>
+            <td>
+              <span class="glm-type" [class]="'t-' + a.type.toLowerCase()">{{ a.type }}</span>
+            </td>
+            <td class="muted">{{ a.group }}</td>
+          </tr>
+        } @empty {
+          <tr>
+            <td colspan="5" class="glm-empty-row">No accounts match that search.</td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+
+  <div class="glm-actions">
+    <button class="glm-btn" (click)="cancel()">Cancel</button>
+    <button class="glm-btn glm-btn-primary" (click)="save()">Save mapping ({{ selected.length }})</button>
+  </div>
+</div>

src/app/rbi-circulars/gl-mapping-dialog.component.scss

@@ -0,0 +1,358 @@
+/**
+ * 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/.
+ */
+
+:host {
+  --m-navy: #002f5f;
+  --m-green: #15803d;
+  --m-green-l: #dcfce7;
+  --m-amber: #b45309;
+  --m-amber-l: #fef3c7;
+  --m-red: #c0392b;
+  --m-red-l: #fdecea;
+  --m-g50: #f8fafc;
+  --m-g100: #f1f5f9;
+  --m-g200: #e2e8f0;
+  --m-g300: #cbd5e1;
+  --m-g500: #64748b;
+  --m-g700: #334155;
+  --m-g900: #0f172a;
+
+  display: block;
+  font-family: 'DM Sans', system-ui, sans-serif;
+  color: var(--m-g900);
+}
+
+.glm-root {
+  display: flex;
+  flex-direction: column;
+  gap: 14px;
+  padding: 18px 20px;
+  max-height: 88vh;
+}
+
+.glm-head {
+  display: flex;
+  justify-content: space-between;
+  align-items: flex-start;
+  gap: 12px;
+
+  h3 {
+    margin: 0;
+    font-size: 17px;
+    font-weight: 700;
+  }
+
+  p {
+    margin: 2px 0 0;
+    font-size: 12px;
+    color: var(--m-g500);
+  }
+}
+
+/* Ledger vs filed figure */
+.glm-compare {
+  display: flex;
+  align-items: center;
+  gap: 18px;
+  flex-wrap: wrap;
+  padding: 12px 16px;
+  border-radius: 10px;
+  background: var(--m-g100);
+  border: 1px solid var(--m-g200);
+
+  &--match {
+    background: var(--m-green-l);
+    border-color: #86efac;
+  }
+
+  &--diff {
+    background: var(--m-amber-l);
+    border-color: #fcd34d;
+  }
+}
+
+.glm-fig {
+  display: flex;
+  flex-direction: column;
+
+  &--var .glm-fig-v {
+    color: var(--m-amber);
+  }
+}
+
+.glm-fig-l {
+  font-size: 10px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  color: var(--m-g500);
+}
+
+.glm-fig-v {
+  font-family: 'DM Mono', monospace;
+  font-size: 16px;
+  font-weight: 700;
+}
+
+.glm-fig-ic {
+  color: var(--m-g500);
+}
+
+.glm-compare-note {
+  flex: 1 1 220px;
+  font-size: 12px;
+  color: var(--m-g700);
+}
+
+/* Pinned accounts */
+.glm-selected-h {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  font-size: 11px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  color: var(--m-g500);
+  margin-bottom: 7px;
+}
+
+.glm-chips {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 6px;
+}
+
+.glm-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 4px 6px 4px 10px;
+  border-radius: 999px;
+  background: #e0f2fe;
+  color: #075985;
+  font-size: 12px;
+  font-weight: 500;
+}
+
+.glm-chip-x {
+  border: none;
+  background: rgb(7 89 133 / 12%);
+  color: #075985;
+  width: 18px;
+  height: 18px;
+  border-radius: 50%;
+  cursor: pointer;
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  font-size: 10px;
+
+  &:hover {
+    background: var(--m-red);
+    color: #fff;
+  }
+}
+
+.glm-empty {
+  margin: 0;
+  font-size: 12px;
+  color: var(--m-g500);
+  font-style: italic;
+}
+
+/* Picker */
+.glm-filters {
+  display: flex;
+  gap: 8px;
+}
+
+.glm-inp {
+  flex: 1;
+  padding: 8px 12px;
+  border: 1px solid var(--m-g200);
+  border-radius: 8px;
+  font-size: 13px;
+  font-family: inherit;
+
+  &--sm {
+    flex: 0 0 160px;
+  }
+
+  &:focus {
+    outline: none;
+    border-color: var(--m-navy);
+  }
+}
+
+.glm-list {
+  flex: 1;
+  min-height: 180px;
+  max-height: 40vh;
+  overflow: auto;
+  border: 1px solid var(--m-g200);
+  border-radius: 8px;
+}
+
+.glm-tbl {
+  width: 100%;
+  border-collapse: collapse;
+
+  th {
+    position: sticky;
+    top: 0;
+    z-index: 1;
+    text-align: left;
+    padding: 8px 12px;
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--m-g500);
+    background: var(--m-g50);
+    border-bottom: 1px solid var(--m-g200);
+  }
+
+  td {
+    padding: 7px 12px;
+    border-bottom: 1px solid var(--m-g100);
+    font-size: 13px;
+    color: var(--m-g700);
+  }
+
+  tbody tr {
+    cursor: pointer;
+
+    &:hover td {
+      background: var(--m-g50);
+    }
+
+    &.on td {
+      background: #eff6ff;
+    }
+  }
+}
+
+.glm-check {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: 20px;
+  height: 20px;
+  border: 2px solid var(--m-g300);
+  border-radius: 5px;
+  color: transparent;
+  font-size: 11px;
+
+  &.on {
+    background: var(--m-green);
+    border-color: var(--m-green);
+    color: #fff;
+  }
+}
+
+.glm-type {
+  display: inline-block;
+  padding: 1px 8px;
+  border-radius: 999px;
+  font-size: 10px;
+  font-weight: 700;
+  background: var(--m-g100);
+  color: var(--m-g700);
+
+  &.t-asset {
+    background: #dbeafe;
+    color: #1d4ed8;
+  }
+
+  &.t-liability {
+    background: #e0f4f0;
+    color: #0e7e6b;
+  }
+
+  &.t-income {
+    background: var(--m-green-l);
+    color: var(--m-green);
+  }
+
+  &.t-expense {
+    background: var(--m-amber-l);
+    color: var(--m-amber);
+  }
+
+  &.t-contingent {
+    background: var(--m-red-l);
+    color: var(--m-red);
+  }
+}
+
+.glm-empty-row {
+  text-align: center;
+  padding: 26px;
+  color: var(--m-g500);
+  font-style: italic;
+}
+
+.mono {
+  font-family: 'DM Mono', monospace;
+  font-size: 12px;
+}
+
+.muted {
+  color: var(--m-g500);
+  font-size: 11px;
+}
+
+.ta-c {
+  text-align: center;
+}
+
+/* Actions */
+.glm-actions {
+  display: flex;
+  justify-content: flex-end;
+  gap: 8px;
+}
+
+.glm-btn {
+  padding: 8px 16px;
+  border: 1px solid var(--m-g300);
+  background: #fff;
+  border-radius: 8px;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--m-g700);
+  cursor: pointer;
+  font-family: inherit;
+
+  &:hover {
+    background: var(--m-g50);
+  }
+}
+
+.glm-btn-primary {
+  background: var(--m-navy);
+  border-color: var(--m-navy);
+  color: #fff;
+
+  &:hover {
+    background: #013a75;
+    color: #fff;
+  }
+}
+
+.glm-link {
+  border: none;
+  background: none;
+  color: var(--m-red);
+  font-size: 11px;
+  font-weight: 700;
+  cursor: pointer;
+  text-transform: none;
+  letter-spacing: 0;
+}

src/app/rbi-circulars/gl-mapping-dialog.component.ts

@@ -0,0 +1,121 @@
+/**
+ * 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 } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { MAT_DIALOG_DATA, MatDialogModule, MatDialogRef } from '@angular/material/dialog';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { GlAccount } from 'app/gl-reports/gl-reports-data';
+import { GlDateRange, glValueForCodes } from 'app/gl-reports/gl-reports.compute';
+import { RETURN_SCALE, glAccountsForPicker } from './gl-mapping';
+
+export interface GlMappingDialogData {
+  returnCode: string;
+  lineLabel: string;
+  /** The figure currently printed on the return, in thousands. */
+  filedValue: number | null;
+  selected: string[];
+  range: GlDateRange;
+  branchCode: string;
+}
+
+/**
+ * Lets a user pin one or more GL accounts to a single return line, showing live what
+ * the ledger would produce for the selection against the figure currently on the return.
+ */
+@Component({
+  selector: 'mifosx-gl-mapping-dialog',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    MatDialogModule,
+    FaIconComponent
+  ],
+  templateUrl: './gl-mapping-dialog.component.html',
+  styleUrls: ['./gl-mapping-dialog.component.scss']
+})
+export class GlMappingDialogComponent {
+  private dialogRef = inject(MatDialogRef<GlMappingDialogComponent>);
+  data = inject<GlMappingDialogData>(MAT_DIALOG_DATA);
+
+  readonly accounts: GlAccount[] = glAccountsForPicker();
+  search = '';
+  typeFilter = '';
+  selected: string[] = [];
+
+  readonly types = [
+    'ASSET',
+    'LIABILITY',
+    'INCOME',
+    'EXPENSE',
+    'CONTINGENT'
+  ];
+
+  constructor() {
+    this.selected = [...(this.data.selected ?? [])];
+  }
+
+  get filtered(): GlAccount[] {
+    const q = this.search.trim().toLowerCase();
+    return this.accounts.filter((a) => {
+      if (this.typeFilter && a.type !== this.typeFilter) {
+        return false;
+      }
+      if (!q) {
+        return true;
+      }
+      return a.code.includes(q) || a.name.toLowerCase().includes(q) || a.group.toLowerCase().includes(q);
+    });
+  }
+
+  isSelected(code: string): boolean {
+    return this.selected.includes(code);
+  }
+
+  toggle(code: string): void {
+    this.selected = this.isSelected(code) ? this.selected.filter((c) => c !== code) : [
+          ...this.selected,
+          code
+        ];
+  }
+
+  removeSelected(code: string): void {
+    this.selected = this.selected.filter((c) => c !== code);
+  }
+
+  clearAll(): void {
+    this.selected = [];
+  }
+
+  accountName(code: string): string {
+    return this.accounts.find((a) => a.code === code)?.name ?? code;
+  }
+
+  /** Live ledger figure for the current selection, in the return's scale. */
+  get derivedValue(): number {
+    return glValueForCodes(this.selected, this.data.range, this.data.branchCode) / RETURN_SCALE;
+  }
+
+  get variance(): number | null {
+    return this.data.filedValue == null ? null : this.derivedValue - this.data.filedValue;
+  }
+
+  get matchesFiled(): boolean {
+    return this.variance !== null && Math.abs(this.variance) < 0.005;
+  }
+
+  save(): void {
+    this.dialogRef.close(this.selected);
+  }
+
+  cancel(): void {
+    this.dialogRef.close(undefined);
+  }
+}

src/app/rbi-circulars/gl-mapping.host.ts

@@ -0,0 +1,140 @@
+/**
+ * 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 { inject } from '@angular/core';
+import { MatDialog } from '@angular/material/dialog';
+import { BranchScopeService } from 'app/core/branch-scope.service';
+import { GlDateRange } from 'app/gl-reports/gl-reports.compute';
+import { GL_BRANCHES } from 'app/gl-reports/gl-reports-data';
+import { GlMappingDialogComponent, GlMappingDialogData } from './gl-mapping-dialog.component';
+import {
+  clearReturnMappings,
+  getMapping,
+  lineKeyFor,
+  mappedLineCount,
+  mappedValue,
+  removeGl,
+  setMapping
+} from './gl-mapping';
+
+/**
+ * Shared GL-mapping behaviour for the OSS return screens.
+ *
+ * Each return line can be pinned to GL accounts; where it is, the figure shown comes
+ * from the ledger rather than the static filed value. Subclasses only supply their
+ * return code — everything else, including the ledger period and branch scope, is
+ * common.
+ */
+export abstract class GlMappingHost {
+  private dialog = inject(MatDialog);
+  private branchScope = inject(BranchScopeService);
+
+  /** e.g. 'R070'. Used to namespace this return's mappings. */
+  abstract readonly glReturnCode: string;
+
+  /** Ledger period the mapped figures are drawn from. */
+  abstract get glRange(): GlDateRange;
+
+  /** Whether the per-line mapping controls are visible. */
+  glMapMode = false;
+
+  /** '' = all branches consolidated. Seeded from the login's own scope. */
+  glBranchCode = this.branchScope.defaultBranchCode;
+  readonly glBranches = GL_BRANCHES;
+
+  /** Head Office may derive figures from any branch; a branch login cannot. */
+  get canSelectGlBranch(): boolean {
+    return this.branchScope.canSelectBranch;
+  }
+  get glScopeName(): string {
+    return this.branchScope.scopeLabel(this.glBranchCode);
+  }
+
+  /** Branch actually used for every ledger lookup, enforced rather than trusted. */
+  private get effectiveGlBranch(): string {
+    return this.branchScope.enforce(this.glBranchCode);
+  }
+
+  toggleGlMapMode(): void {
+    this.glMapMode = !this.glMapMode;
+  }
+
+  glLineKey(label: string): string {
+    return lineKeyFor(label);
+  }
+
+  glCodesFor(label: string): string[] {
+    return getMapping(this.glReturnCode, this.glLineKey(label));
+  }
+
+  isGlMapped(label: string): boolean {
+    return this.glCodesFor(label).length > 0;
+  }
+
+  get glMappedCount(): number {
+    return mappedLineCount(this.glReturnCode);
+  }
+
+  /** Ledger figure for a line, or null when it has no mapping. */
+  glValue(label: string): number | null {
+    return mappedValue(this.glReturnCode, this.glLineKey(label), this.glRange, this.effectiveGlBranch);
+  }
+
+  /**
+   * The number to print for a line: the ledger value when mapped, otherwise the
+   * value filed on the return.
+   */
+  effectiveValue(label: string, filed: number | null): number | null {
+    const mapped = this.glValue(label);
+    return mapped === null ? filed : mapped;
+  }
+
+  /** True when a mapped line disagrees with the figure originally filed. */
+  glDiffers(label: string, filed: number | null): boolean {
+    const mapped = this.glValue(label);
+    if (mapped === null || filed === null) {
+      return false;
+    }
+    return Math.abs(mapped - filed) >= 0.005;
+  }
+
+  removeGlFromLine(label: string, code: string): void {
+    removeGl(this.glReturnCode, this.glLineKey(label), code);
+  }
+
+  clearAllGlMappings(): void {
+    clearReturnMappings(this.glReturnCode);
+  }
+
+  /** Opens the chart-of-accounts picker for one return line. */
+  openGlPicker(label: string, filed: number | null): void {
+    const key = this.glLineKey(label);
+    const data: GlMappingDialogData = {
+      returnCode: this.glReturnCode,
+      lineLabel: label,
+      filedValue: filed,
+      selected: getMapping(this.glReturnCode, key),
+      range: this.glRange,
+      branchCode: this.effectiveGlBranch
+    };
+    this.dialog
+      .open(GlMappingDialogComponent, {
+        width: '92vw',
+        maxWidth: '980px',
+        maxHeight: '92vh',
+        autoFocus: false,
+        data
+      })
+      .afterClosed()
+      .subscribe((codes: string[] | undefined) => {
+        if (codes) {
+          setMapping(this.glReturnCode, key, codes);
+        }
+      });
+  }
+}

src/app/rbi-circulars/gl-mapping.ts

@@ -0,0 +1,170 @@
+/**
+ * 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/.
+ */
+
+/**
+ * Maps RBI return line items to General Ledger accounts.
+ *
+ * A return line can be pinned to one or more GL codes; the line's figure is then
+ * derived from the ledger instead of being a static number, so the filed return and
+ * the books cannot drift apart silently. Mappings are keyed by return code plus a
+ * stable line key and persisted locally.
+ *
+ * The OSS returns are denominated in thousands while the ledger is in rupees, so
+ * every derived figure is scaled on the way out.
+ */
+
+import { GL_ACCOUNTS, GlAccount } from 'app/gl-reports/gl-reports-data';
+import { GlDateRange, glValueForCodes } from 'app/gl-reports/gl-reports.compute';
+
+const STORAGE_KEY = 'rbi_return_gl_mappings';
+
+/** Returns are reported in thousands of rupees. */
+export const RETURN_SCALE = 1000;
+
+export type GlMappingStore = Record<string, string[]>;
+
+function mapKey(returnCode: string, lineKey: string): string {
+  return `${returnCode}::${lineKey}`;
+}
+
+/**
+ * The store is read from template getters on every change-detection pass, so it is
+ * held in memory and only re-parsed when a write invalidates it. Parsing JSON a few
+ * hundred times per click is otherwise a measurable cost on the larger returns.
+ */
+let storeCache: GlMappingStore | null = null;
+
+function readStore(): GlMappingStore {
+  if (storeCache) {
+    return storeCache;
+  }
+  try {
+    storeCache = JSON.parse(localStorage.getItem(STORAGE_KEY) || '{}') as GlMappingStore;
+  } catch {
+    storeCache = {};
+  }
+  return storeCache;
+}
+
+function writeStore(store: GlMappingStore): void {
+  storeCache = store;
+  localStorage.setItem(STORAGE_KEY, JSON.stringify(store));
+}
+
+/** GL codes currently pinned to a return line. */
+export function getMapping(returnCode: string, lineKey: string): string[] {
+  return readStore()[mapKey(returnCode, lineKey)] ?? [];
+}
+
+export function setMapping(returnCode: string, lineKey: string, codes: string[]): void {
+  const store = readStore();
+  const key = mapKey(returnCode, lineKey);
+  if (codes.length) {
+    store[key] = codes;
+  } else {
+    delete store[key];
+  }
+  writeStore(store);
+}
+
+export function addGl(returnCode: string, lineKey: string, code: string): void {
+  const current = getMapping(returnCode, lineKey);
+  if (!current.includes(code)) {
+    setMapping(returnCode, lineKey, [
+      ...current,
+      code
+    ]);
+  }
+}
+
+export function removeGl(returnCode: string, lineKey: string, code: string): void {
+  setMapping(
+    returnCode,
+    lineKey,
+    getMapping(returnCode, lineKey).filter((c) => c !== code)
+  );
+}
+
+/** Every line in a return that currently has a mapping. */
+export function mappedLineCount(returnCode: string): number {
+  const prefix = `${returnCode}::`;
+  return Object.keys(readStore()).filter((k) => k.startsWith(prefix)).length;
+}
+
+export function clearReturnMappings(returnCode: string): void {
+  const store = readStore();
+  const prefix = `${returnCode}::`;
+  for (const k of Object.keys(store)) {
+    if (k.startsWith(prefix)) {
+      delete store[k];
+    }
+  }
+  writeStore(store);
+}
+
+/**
+ * Ledger value for a mapped line, expressed in the return's own scale (thousands).
+ * Returns null when the line has no mapping, so callers can fall back to the filed figure.
+ */
+export function mappedValue(returnCode: string, lineKey: string, range: GlDateRange, branchCode = ''): number | null {
+  const codes = getMapping(returnCode, lineKey);
+  if (!codes.length) {
+    return null;
+  }
+  return glValueForCodes(codes, range, branchCode) / RETURN_SCALE;
+}
+
+/** A line key that stays stable across reorderings — derived from the label itself. */
+export function lineKeyFor(label: string): string {
+  return label
+    .toLowerCase()
+    .replace(/[^a-z0-9]+/g, '-')
+    .replace(/^-|-$/g, '')
+    .slice(0, 80);
+}
+
+export interface GlMappingEntry {
+  returnCode: string;
+  lineKey: string;
+  codes: string[];
+}
+
+/** Every mapping across all returns — drives the GL Mapping for Report listing. */
+export function allMappings(): GlMappingEntry[] {
+  return Object.entries(readStore()).map(
+    ([
+      key,
+      codes
+    ]) => {
+      const [
+        returnCode,
+        lineKey
+      ] = key.split('::');
+      return { returnCode, lineKey, codes };
+    }
+  );
+}
+
+/** Human-readable name for a return code. */
+export function returnName(code: string): string {
+  const names: Record<string, string> = {
+    R070: 'OSS 1 — Return on Assets and Liabilities',
+    R071: 'OSS 2 — Return on Earnings',
+    R323: 'OSS 3 — Return on Asset Quality'
+  };
+  return names[code] ?? code;
+}
+
+export function glAccountsForPicker(): GlAccount[] {
+  return GL_ACCOUNTS;
+}
+
+export function glLabel(code: string): string {
+  const a = GL_ACCOUNTS.find((x) => x.code === code);
+  return a ? `${a.code} — ${a.name}` : code;
+}

src/app/rbi-circulars/oss-return.scss

@@ -360,6 +360,158 @@ td.derived {
   color: var(--o-g500);
 }
 
+/* ── General Ledger mapping ─────────────────────────────────────────────── */
+.oss-gl-bar {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  gap: 14px;
+  flex-wrap: wrap;
+  padding: 10px 16px;
+  border-radius: 10px;
+  background: #fff;
+  border: 1px solid var(--o-g200);
+
+  &.on {
+    background: var(--o-blue-l);
+    border-color: #93c5fd;
+  }
+}
+
+.oss-gl-bar-l {
+  display: flex;
+  align-items: center;
+  gap: 9px;
+  font-size: 13px;
+  color: var(--o-g700);
+}
+
+.oss-gl-bar-r {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.oss-gl-count {
+  display: inline-block;
+  margin-left: 8px;
+  padding: 2px 9px;
+  border-radius: 999px;
+  background: var(--o-green-l);
+  color: var(--o-green);
+  font-size: 11px;
+  font-weight: 700;
+}
+
+.oss-gl-inp {
+  padding: 7px 11px;
+  border: 1px solid var(--o-g300);
+  border-radius: 8px;
+  font-size: 12.5px;
+  font-family: inherit;
+  background: #fff;
+}
+
+.oss-btn-clear {
+  color: var(--o-red);
+  border-color: var(--o-red);
+}
+
+.oss-gl-col {
+  min-width: 240px;
+}
+
+/* Read-only branch shown to a branch-level login in place of the selector. */
+.oss-gl-scope {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 7px 12px;
+  border: 1px solid var(--o-g300);
+  border-radius: 8px;
+  background: var(--o-g100);
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--o-g700);
+}
+
+.oss-gl-cell {
+  display: flex;
+  align-items: center;
+  gap: 5px;
+  flex-wrap: wrap;
+}
+
+.oss-gl-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 2px 4px 2px 8px;
+  border-radius: 999px;
+  background: #e0f2fe;
+  color: #075985;
+  font-size: 11px;
+  font-weight: 600;
+}
+
+.oss-gl-chip-x {
+  border: none;
+  background: rgb(7 89 133 / 14%);
+  color: #075985;
+  width: 15px;
+  height: 15px;
+  border-radius: 50%;
+  cursor: pointer;
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  font-size: 8px;
+
+  &:hover {
+    background: var(--o-red);
+    color: #fff;
+  }
+}
+
+.oss-gl-add {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 3px 9px;
+  border: 1px dashed var(--o-g300);
+  background: #fff;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 600;
+  color: var(--o-g500);
+  cursor: pointer;
+  font-family: inherit;
+
+  &:hover {
+    border-color: var(--o-navy);
+    color: var(--o-navy);
+    border-style: solid;
+  }
+}
+
+.oss-gl-warn {
+  font-size: 10.5px;
+  font-weight: 700;
+  color: var(--o-amber-d);
+  white-space: nowrap;
+}
+
+/* A figure sourced from the ledger rather than the filed return. */
+td.gl-sourced {
+  background: #ecfdf5;
+  box-shadow: inset 3px 0 0 var(--o-green);
+}
+
+td.gl-diff {
+  background: #fffbeb;
+  box-shadow: inset 3px 0 0 #d97706;
+}
+
 /* Tie-up status pills (cross-return reconciliation checks). */
 .report-pill {
   display: inline-block;

src/app/rbi-circulars/oss-workbook.ts

@@ -7,13 +7,7 @@
  */
 
 import * as ExcelJS from 'exceljs';
-import {
+import { MatrixTable, ReturnGeneralInfoRow, ReturnLine, ReturnSignatory, SIGNATORY_FIELDS } from './oss-return.model';
-  MatrixTable,
-  ReturnGeneralInfoRow,
-  ReturnLine,
-  ReturnSignatory,
-  SIGNATORY_FIELDS
-} from './oss-return.model';
 
 /** Palette lifted from the RBI CIMS workbooks so exports look like the originals. */
 export const XL = {
@@ -45,12 +39,7 @@ export function addBanner(sheet: ExcelJS.Worksheet, title: string, lastCol: stri
   sheet.addRow([]);
 }
 
-export function boxAllCells(
+export function boxAllCells(sheet: ExcelJS.Worksheet, from: number, to: number, lastColIndex: number): void {
-  sheet: ExcelJS.Worksheet,
-  from: number,
-  to: number,
-  lastColIndex: number
-): void {
   for (let r = from; r <= to; r++) {
     for (let c = 1; c <= lastColIndex; c++) {
       sheet.getRow(r).getCell(c).border = {
@@ -64,7 +53,10 @@ export function boxAllCells(
 }
 
 export function addSectionHeader(sheet: ExcelJS.Worksheet, label: string, unitLabel?: string): void {
-  const row = sheet.addRow([label, unitLabel ?? '']);
+  const row = sheet.addRow([
+    label,
+    unitLabel ?? ''
+  ]);
   row.font = { bold: true };
   row.eachCell((cell) => (cell.fill = solidFill(XL.headerGrey)));
   row.getCell(2).alignment = { horizontal: 'right' };
@@ -73,7 +65,10 @@ export function addSectionHeader(sheet: ExcelJS.Worksheet, label: string, unitLa
 /** Renders a labelled block; indents by level and shades derived totals. */
 export function addLineRows(sheet: ExcelJS.Worksheet, lines: ReturnLine[]): void {
   for (const line of lines) {
-    const row = sheet.addRow([line.label, line.value]);
+    const row = sheet.addRow([
+      line.label,
+      line.value
+    ]);
     const labelCell = row.getCell(1);
     const valueCell = row.getCell(2);
 
@@ -98,7 +93,10 @@ export function addMatrixTable(sheet: ExcelJS.Worksheet, table: MatrixTable): vo
   const colCount = table.columns.length + 1;
   const start = sheet.rowCount + 1;
 
-  const titleRow = sheet.addRow([table.title, ...(table.unit ? [table.unit] : [])]);
+  const titleRow = sheet.addRow([
+    table.title,
+    ...(table.unit ? [table.unit] : [])
+  ]);
   if (!table.unit) {
     sheet.mergeCells(titleRow.number, 1, titleRow.number, colCount);
   }
@@ -115,13 +113,19 @@ export function addMatrixTable(sheet: ExcelJS.Worksheet, table: MatrixTable): vo
     sub.getCell(1).fill = solidFill(XL.headerGrey);
   }
 
-  const head = sheet.addRow(['Particulars', ...table.columns]);
+  const head = sheet.addRow([
+    'Particulars',
+    ...table.columns
+  ]);
   head.font = { bold: true };
   head.alignment = { wrapText: true, horizontal: 'center', vertical: 'middle' };
   head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
 
   for (const row of table.rows) {
-    const excelRow = sheet.addRow([row.label, ...row.values]);
+    const excelRow = sheet.addRow([
+      row.label,
+      ...row.values
+    ]);
     const labelCell = excelRow.getCell(1);
     labelCell.alignment = { wrapText: true, vertical: 'middle', indent: row.level };
     if (row.level === 0 || row.header) {
@@ -158,13 +162,15 @@ export function buildGeneralInfoSheet(wb: ExcelJS.Workbook, rows: ReturnGeneralI
   const sheet = wb.addWorksheet('General Information');
   sheet.columns = [
     { width: 26 },
-    { width: 58 }
+    { width: 58 }];
-  ];
   addBanner(sheet, 'General Information', 'B');
 
   const first = sheet.rowCount + 1;
   for (const item of rows) {
-    const row = sheet.addRow([item.label, item.value]);
+    const row = sheet.addRow([
+      item.label,
+      item.value
+    ]);
     row.getCell(1).fill = solidFill(XL.keyCell);
     // The workbook tints the audit flag yellow and leaves unfilled cells grey.
     const fill = item.label === 'Audit Flag' ? XL.auditYellow : item.value ? XL.derivedBlue : XL.headerGrey;
@@ -182,19 +188,24 @@ export function buildSignatorySheet(
   const sheet = wb.addWorksheet(sheetName);
   sheet.columns = [
     { width: 44 },
-    { width: 24 }
+    { width: 24 }];
-  ];
   addBanner(sheet, sheetName, 'B');
 
   for (const person of signatories) {
     const start = sheet.rowCount + 1;
-    const head = sheet.addRow([person.heading, '']);
+    const head = sheet.addRow([
+      person.heading,
+      ''
+    ]);
     head.font = { bold: true };
     head.alignment = { horizontal: 'center' };
     head.getCell(1).fill = solidFill(XL.keyCell);
 
     for (const f of SIGNATORY_FIELDS) {
-      const row = sheet.addRow([person[f.key], f.caption]);
+      const row = sheet.addRow([
+        person[f.key],
+        f.caption
+      ]);
       row.getCell(2).font = { bold: true };
       row.getCell(2).alignment = { horizontal: 'center' };
       row.getCell(2).fill = solidFill(XL.keyCell);

src/app/rbi-circulars/oss1-ral/oss1-ral-data.ts

@@ -153,8 +153,7 @@ export const RAL_LIABILITIES: RalLine[] = [
   { label: 'ii. Borrowings', level: 1, value: null },
 
   {
-    label:
+    label: '12. Risk Provisions Other than netted off assets (BDDR, Spl BDDR, Depreciation on fixed assets etc.,)',
-      '12. Risk Provisions Other than netted off assets (BDDR, Spl BDDR, Depreciation on fixed assets etc.,)',
     level: 0,
     value: 39440,
     total: true
@@ -192,7 +191,12 @@ export const RAL_ASSETS: RalLine[] = [
 
   { label: '2. I. Due from Banks', level: 0, value: 57600, total: true },
   { label: 'A. Balances with Banks', level: 1, value: 57600, total: true },
-  { label: 'i. State/ Central Cooperative Bank of the State/District concerned in', level: 2, value: 32268, total: true },
+  {
+    label: 'i. State/ Central Cooperative Bank of the State/District concerned in',
+    level: 2,
+    value: 32268,
+    total: true
+  },
   { label: 'a. Current', level: 2, value: 5980 },
   { label: 'b. Savings', level: 2, value: null },
   { label: 'c. Fixed', level: 2, value: 26288 },
@@ -353,26 +357,73 @@ export const RAL_AGEING_HEADERS: string[] = [
 
 /** Sheet 3 — Annexure 1 :: 3. Age-wise Inter Branch Adjustment Account */
 export const RAL_INTER_BRANCH_AGEING: RalAgeingRow[] = [
-  { period: '3 months to 6 months', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+  {
-  { period: 'Above 6 months to 1 year', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+    period: '3 months to 6 months',
-  { period: 'Above 1 year to 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+    noOfDebitEntries: null,
-  { period: 'Above 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
+  {
+    period: 'Above 6 months to 1 year',
+    noOfDebitEntries: null,
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
+  {
+    period: 'Above 1 year to 2 years',
+    noOfDebitEntries: null,
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
+  {
+    period: 'Above 2 years',
+    noOfDebitEntries: null,
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
   { period: 'Total', noOfDebitEntries: 0, amtOfDebitEntries: 0, noOfCreditEntries: 0, amtOfCreditEntries: 0 }
 ];
 
 /** Sheet 3 — Annexure 1 :: 4. Age-wise Inter Bank Reconciliation Account */
 export const RAL_INTER_BANK_AGEING: RalAgeingRow[] = [
-  { period: '3 months to 6 months', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+  {
-  { period: 'Above 6 months to 1 year', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+    period: '3 months to 6 months',
-  { period: 'Above 1 year to 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+    noOfDebitEntries: null,
-  { period: 'Above 2 years', noOfDebitEntries: null, amtOfDebitEntries: null, noOfCreditEntries: null, amtOfCreditEntries: null },
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
+  {
+    period: 'Above 6 months to 1 year',
+    noOfDebitEntries: null,
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
+  {
+    period: 'Above 1 year to 2 years',
+    noOfDebitEntries: null,
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
+  {
+    period: 'Above 2 years',
+    noOfDebitEntries: null,
+    amtOfDebitEntries: null,
+    noOfCreditEntries: null,
+    amtOfCreditEntries: null
+  },
   { period: 'Total', noOfDebitEntries: 0, amtOfDebitEntries: 0, noOfCreditEntries: 0, amtOfCreditEntries: 0 }
 ];
 
 /** Sheet 3 — Annexure 1 :: 5. Unsecured guarantees issued by the bank */
 export const RAL_UNSECURED_GUARANTEES: RalUnsecuredGuarantee[] = [
-  { srNo: 1, borrower: '', beneficiary: '', amountOutstanding: null }
+  { srNo: 1, borrower: '', beneficiary: '', amountOutstanding: null }];
-];
 export const RAL_UNSECURED_GUARANTEES_TOTAL = 0;
 
 /** Sheet 4 — Annexure 2 :: Sundry Debtors ageing buckets */
@@ -401,20 +452,49 @@ export const RAL_SUNDRY_DEBTORS_NOTE =
 export const RAL_DEPOSITORS_BORROWERS: RalLine[] = [
   { label: '1.Total No of Depositors', level: 0, value: 8156, total: true, count: true },
   { label: 'Total Customer Deposits', level: 0, value: 634309, total: true },
-  { label: 'a. i) Of which Total No. of Depositors with Deposits less than Rs. 1 Lakh', level: 1, value: 6568, count: true },
+  {
+    label: 'a. i) Of which Total No. of Depositors with Deposits less than Rs. 1 Lakh',
+    level: 1,
+    value: 6568,
+    count: true
+  },
   { label: 'ii) Of which total Deposit Amount', level: 1, value: 109992 },
-  { label: 'b. i) Of which Total No. of Depositors with Deposits Between Rs 1 Lakh to Rs. 2 Lakh', level: 1, value: 739, count: true },
+  {
+    label: 'b. i) Of which Total No. of Depositors with Deposits Between Rs 1 Lakh to Rs. 2 Lakh',
+    level: 1,
+    value: 739,
+    count: true
+  },
   { label: 'ii) Of which total Deposit Amount', level: 1, value: 102475 },
-  { label: 'c. i) Of which Total No. of Depositors with Deposits Between Rs. 2 Lakh to Rs 5 Lakh', level: 1, value: 580, count: true },
+  {
+    label: 'c. i) Of which Total No. of Depositors with Deposits Between Rs. 2 Lakh to Rs 5 Lakh',
+    level: 1,
+    value: 580,
+    count: true
+  },
   { label: 'ii) Of which total Deposit Amount', level: 1, value: 176820 },
-
   { label: '2.Total No of Borrowers', level: 0, value: 363, total: true, count: true },
   { label: 'Total Loans and Advances (Other than Banks)', level: 0, value: 391288, total: true },
-  { label: 'a. i) Of which Total No. of Borrowers with Loans and Advances less than Rs. 1 Lakh', level: 1, value: 55, count: true },
+  {
+    label: 'a. i) Of which Total No. of Borrowers with Loans and Advances less than Rs. 1 Lakh',
+    level: 1,
+    value: 55,
+    count: true
+  },
   { label: 'ii) Of which total Loans and Advances Amount', level: 1, value: 2061 },
-  { label: 'b. i) Of which Total No. of Borrowers with Loans and Advances Between Rs 1 Lakh to Rs. 2 Lakh', level: 1, value: 18, count: true },
+  {
+    label: 'b. i) Of which Total No. of Borrowers with Loans and Advances Between Rs 1 Lakh to Rs. 2 Lakh',
+    level: 1,
+    value: 18,
+    count: true
+  },
   { label: 'ii) Of which total Loans and Advances Amount', level: 1, value: 2837 },
-  { label: 'c. i) Of which Total No. of Borrowers with Loans and Advances Between Rs. 2 Lakh to Rs 5 Lakh', level: 1, value: 55, count: true },
+  {
+    label: 'c. i) Of which Total No. of Borrowers with Loans and Advances Between Rs. 2 Lakh to Rs 5 Lakh',
+    level: 1,
+    value: 55,
+    count: true
+  },
   { label: 'ii) Of which total Loans and Advances Amount', level: 1, value: 21260 }
 ];
 

src/app/rbi-circulars/oss1-ral/oss1-ral.component.html

@@ -81,11 +81,16 @@
     <div class="oss-section">
       <div class="oss-sheet-banner">Assets &amp; Liabilities</div>
 
+      <ng-container [ngTemplateOutlet]="glBar"></ng-container>
+
       <div class="oss-tbl-wrap">
         <table class="oss-tbl">
           <thead>
             <tr>
               <th>Liabilities</th>
+              @if (glMapMode) {
+                <th class="oss-gl-col">Mapped GL accounts</th>
+              }
               <th class="ta-r">Rs in Thousands</th>
             </tr>
           </thead>
@@ -93,8 +98,25 @@
             @for (line of liabilities; track $index) {
               <tr [class.total-row]="line.total">
                 <td [class]="'lvl-' + line.level">{{ line.label }}</td>
-                <td class="ta-r mono" [class.derived]="line.total">
+                @if (glMapMode) {
-                  {{ line.value === null ? '' : (line.value | number: line.count ? '1.0-0' : '1.2-2') }}
+                  <td>
+                    <ng-container
+                      [ngTemplateOutlet]="glCell"
+                      [ngTemplateOutletContext]="{ label: line.label, filed: line.value }"
+                    ></ng-container>
+                  </td>
+                }
+                <td
+                  class="ta-r mono"
+                  [class.derived]="line.total"
+                  [class.gl-sourced]="isGlMapped(line.label)"
+                  [class.gl-diff]="glDiffers(line.label, line.value)"
+                >
+                  {{
+                    effectiveValue(line.label, line.value) === null
+                      ? ''
+                      : (effectiveValue(line.label, line.value) | number: (line.count ? '1.0-0' : '1.2-2'))
+                  }}
                 </td>
               </tr>
             }
@@ -107,6 +129,9 @@
           <thead>
             <tr>
               <th>Assets</th>
+              @if (glMapMode) {
+                <th class="oss-gl-col">Mapped GL accounts</th>
+              }
               <th class="ta-r">Rs in Thousands</th>
             </tr>
           </thead>
@@ -114,8 +139,25 @@
             @for (line of assets; track $index) {
               <tr [class.total-row]="line.total">
                 <td [class]="'lvl-' + line.level">{{ line.label }}</td>
-                <td class="ta-r mono" [class.derived]="line.total">
+                @if (glMapMode) {
-                  {{ line.value === null ? '' : (line.value | number: line.count ? '1.0-0' : '1.2-2') }}
+                  <td>
+                    <ng-container
+                      [ngTemplateOutlet]="glCell"
+                      [ngTemplateOutletContext]="{ label: line.label, filed: line.value }"
+                    ></ng-container>
+                  </td>
+                }
+                <td
+                  class="ta-r mono"
+                  [class.derived]="line.total"
+                  [class.gl-sourced]="isGlMapped(line.label)"
+                  [class.gl-diff]="glDiffers(line.label, line.value)"
+                >
+                  {{
+                    effectiveValue(line.label, line.value) === null
+                      ? ''
+                      : (effectiveValue(line.label, line.value) | number: (line.count ? '1.0-0' : '1.2-2'))
+                  }}
                 </td>
               </tr>
             }
@@ -343,7 +385,7 @@
               <tr [class.total-row]="line.total">
                 <td [class]="'lvl-' + line.level">{{ line.label }}</td>
                 <td class="ta-r mono" [class.derived]="line.total">
-                  {{ line.value === null ? '' : (line.value | number: line.count ? '1.0-0' : '1.2-2') }}
+                  {{ line.value === null ? '' : (line.value | number: (line.count ? '1.0-0' : '1.2-2')) }}
                 </td>
               </tr>
             }
@@ -417,6 +459,68 @@
     </div>
   }
 
+  <!-- GL mapping toolbar, shown above any mappable statement -->
+  <ng-template #glBar>
+    <div class="oss-gl-bar" [class.on]="glMapMode">
+      <div class="oss-gl-bar-l">
+        <fa-icon icon="project-diagram"></fa-icon>
+        <span>
+          <strong>General Ledger mapping</strong>
+          @if (glMappedCount) {
+            <span class="oss-gl-count">{{ glMappedCount }} line(s) mapped</span>
+          } @else {
+            <span class="muted"> — pin GL accounts to a line and its figure comes from the ledger</span>
+          }
+        </span>
+      </div>
+      <div class="oss-gl-bar-r">
+        @if (glMapMode) {
+          @if (canSelectGlBranch) {
+            <select class="oss-gl-inp" [(ngModel)]="glBranchCode">
+              <option value="">All branches</option>
+              @for (b of glBranches; track b.code) {
+                <option [value]="b.code">{{ b.name }}</option>
+              }
+            </select>
+          } @else {
+            <span class="oss-gl-scope" title="Your login is restricted to this branch">
+              <fa-icon icon="university"></fa-icon> {{ glScopeName }}
+            </span>
+          }
+          @if (glMappedCount) {
+            <button class="oss-btn oss-btn-clear" (click)="clearAllGlMappings()">Clear all</button>
+          }
+        }
+        <button class="oss-btn" [class.oss-btn-xls]="!glMapMode" (click)="toggleGlMapMode()">
+          <fa-icon [icon]="glMapMode ? 'times' : 'plus'"></fa-icon>
+          {{ glMapMode ? 'Done' : 'Add / Remove GLs' }}
+        </button>
+      </div>
+    </div>
+  </ng-template>
+
+  <!-- Per-line GL chips and picker trigger -->
+  <ng-template #glCell let-label="label" let-filed="filed">
+    <div class="oss-gl-cell">
+      @for (code of glCodesFor(label); track code) {
+        <span class="oss-gl-chip">
+          <span class="mono">{{ code }}</span>
+          <button class="oss-gl-chip-x" (click)="removeGlFromLine(label, code)" [attr.aria-label]="'Remove ' + code">
+            <fa-icon icon="times"></fa-icon>
+          </button>
+        </span>
+      }
+      <button class="oss-gl-add" (click)="openGlPicker(label, filed)">
+        <fa-icon icon="plus"></fa-icon> {{ glCodesFor(label).length ? 'Edit' : 'Add GL' }}
+      </button>
+      @if (glDiffers(label, filed)) {
+        <span class="oss-gl-warn" title="Ledger figure differs from the value filed on the return">
+          <fa-icon icon="exclamation-triangle"></fa-icon> differs from filed
+        </span>
+      }
+    </div>
+  </ng-template>
+
   <!-- TOAST -->
   <div class="oss-toast" [class.show]="toastVisible">{{ toastMsg }}</div>
 </div>

src/app/rbi-circulars/oss1-ral/oss1-ral.component.ts

@@ -11,6 +11,7 @@ import { FormsModule } from '@angular/forms';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import * as ExcelJS from 'exceljs';
+import { GlMappingHost } from '../gl-mapping.host';
 import {
   addBanner,
   addLineRows,
@@ -55,7 +56,14 @@ type Oss1Tab = 'general' | 'balance-sheet' | 'annexure1' | 'annexure2' | 'signat
     FormsModule
   ]
 })
-export class Oss1RalComponent {
+export class Oss1RalComponent extends GlMappingHost {
+  readonly glReturnCode = 'R070';
+
+  /** RAL covers the reporting quarter; mapped figures are drawn from the same span. */
+  get glRange() {
+    return { from: '2026-04-01', to: '2026-06-30' };
+  }
+
   activeTab: Oss1Tab = 'general';
 
   generalInfo = RAL_GENERAL_INFO;
@@ -146,8 +154,7 @@ export class Oss1RalComponent {
     const sheet = wb.addWorksheet('Assets & Liabilities');
     sheet.columns = [
       { width: 78 },
-      { width: 20 }
+      { width: 20 }];
-    ];
     addBanner(sheet, 'Assets & Liabilities', 'B');
 
     const first = sheet.rowCount + 1;
@@ -187,18 +194,25 @@ export class Oss1RalComponent {
       { width: 16 },
       { width: 12 },
       { width: 12 },
-      { width: 12 }
+      { width: 12 }];
-    ];
     addBanner(sheet, 'Annexure 1', 'H');
 
     // 1. Break-up of Other Funds and Reserves
     let start = sheet.rowCount + 1;
-    const fundsTitle = sheet.addRow(['1. Break-up of Other Funds and Reserves', '', 'Rs in Thousands']);
+    const fundsTitle = sheet.addRow([
+      '1. Break-up of Other Funds and Reserves',
+      '',
+      'Rs in Thousands'
+    ]);
     sheet.mergeCells(`A${fundsTitle.number}:B${fundsTitle.number}`);
     fundsTitle.font = { bold: true };
     fundsTitle.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
     for (const line of this.otherFunds) {
-      const row = sheet.addRow([line.label, '', line.value]);
+      const row = sheet.addRow([
+        line.label,
+        '',
+        line.value
+      ]);
       sheet.mergeCells(`A${row.number}:B${row.number}`);
       row.getCell(1).alignment = { wrapText: true, vertical: 'middle' };
       row.getCell(3).numFmt = '#,##0.00';
@@ -281,10 +295,20 @@ export class Oss1RalComponent {
     gHead.alignment = { wrapText: true, horizontal: 'center', vertical: 'middle' };
     gHead.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
     for (const g of this.unsecuredGuarantees) {
-      const row = sheet.addRow([g.srNo, g.borrower, g.beneficiary, g.amountOutstanding]);
+      const row = sheet.addRow([
+        g.srNo,
+        g.borrower,
+        g.beneficiary,
+        g.amountOutstanding
+      ]);
       row.getCell(4).numFmt = '#,##0.00';
     }
-    const gTotal = sheet.addRow(['Total', '', '', this.unsecuredGuaranteesTotal]);
+    const gTotal = sheet.addRow([
+      'Total',
+      '',
+      '',
+      this.unsecuredGuaranteesTotal
+    ]);
     gTotal.font = { bold: true };
     gTotal.getCell(4).numFmt = '#,##0.00';
     gTotal.getCell(4).fill = solidFill(XL.derivedBlue);
@@ -327,9 +351,7 @@ export class Oss1RalComponent {
           3,
           4,
           5
-        ].forEach(
+        ].forEach((c) => (row.getCell(c).fill = solidFill(XL.derivedBlue)));
-          (c) => (row.getCell(c).fill = solidFill(XL.derivedBlue))
-        );
       }
     }
     boxAllCells(sheet, start, sheet.rowCount, 5);
@@ -341,8 +363,7 @@ export class Oss1RalComponent {
       { width: 10 },
       { width: 62 },
       { width: 20 },
-      { width: 20 }
+      { width: 20 }];
-    ];
     addBanner(sheet, 'Annexure 2', 'D');
 
     for (const block of this.sundryDebtors) {
@@ -357,13 +378,23 @@ export class Oss1RalComponent {
       s.font = { bold: true, size: 10 };
       s.getCell(1).fill = solidFill(XL.headerGrey);
 
-      const head = sheet.addRow(['Sr. No', 'Due from Name', 'Amount due', 'Provision made']);
+      const head = sheet.addRow([
+        'Sr. No',
+        'Due from Name',
+        'Amount due',
+        'Provision made'
+      ]);
       head.font = { bold: true };
       head.alignment = { horizontal: 'center' };
       head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
 
       for (const r of block.rows) {
-        const row = sheet.addRow([r.srNo, r.dueFromName, r.amountDue, r.provisionMade]);
+        const row = sheet.addRow([
+          r.srNo,
+          r.dueFromName,
+          r.amountDue,
+          r.provisionMade
+        ]);
         row.getCell(3).numFmt = '#,##0.00';
         row.getCell(4).numFmt = '#,##0.00';
       }
@@ -378,14 +409,22 @@ export class Oss1RalComponent {
 
     // Details of Depositors & Borrowers
     let start = sheet.rowCount + 1;
-    const dbTitle = sheet.addRow(['Details of Depositors & Borrowers', '', 'Rs. In Thousands']);
+    const dbTitle = sheet.addRow([
+      'Details of Depositors & Borrowers',
+      '',
+      'Rs. In Thousands'
+    ]);
     sheet.mergeCells(`A${dbTitle.number}:B${dbTitle.number}`);
     dbTitle.font = { bold: true };
     dbTitle.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
     dbTitle.getCell(3).alignment = { horizontal: 'right' };
 
     for (const line of this.depositorsBorrowers) {
-      const row = sheet.addRow([line.label, '', line.value]);
+      const row = sheet.addRow([
+        line.label,
+        '',
+        line.value
+      ]);
       sheet.mergeCells(`A${row.number}:B${row.number}`);
       row.getCell(1).alignment = { wrapText: true, vertical: 'middle', indent: line.level };
       row.getCell(3).numFmt = line.count ? '#,##0' : '#,##0.00';
@@ -404,7 +443,11 @@ export class Oss1RalComponent {
     cTitle.font = { bold: true };
     cTitle.getCell(1).fill = solidFill(XL.headerGrey);
     for (const line of this.complaints) {
-      const row = sheet.addRow([line.label, '', line.value]);
+      const row = sheet.addRow([
+        line.label,
+        '',
+        line.value
+      ]);
       sheet.mergeCells(`A${row.number}:B${row.number}`);
       row.getCell(1).alignment = { wrapText: true, vertical: 'middle' };
       row.getCell(3).numFmt = '#,##0';

src/app/rbi-circulars/oss2-roe/oss2-roe.component.html

@@ -122,11 +122,52 @@
         </table>
       </div>
 
+      <!-- GL mapping toolbar -->
+      <div class="oss-gl-bar" [class.on]="glMapMode">
+        <div class="oss-gl-bar-l">
+          <fa-icon icon="project-diagram"></fa-icon>
+          <span>
+            <strong>General Ledger mapping</strong>
+            @if (glMappedCount) {
+              <span class="oss-gl-count">{{ glMappedCount }} line(s) mapped</span>
+            } @else {
+              <span class="muted"> — pin GL accounts to a line and its figure comes from the ledger</span>
+            }
+          </span>
+        </div>
+        <div class="oss-gl-bar-r">
+          @if (glMapMode) {
+            @if (canSelectGlBranch) {
+              <select class="oss-gl-inp" [(ngModel)]="glBranchCode">
+                <option value="">All branches</option>
+                @for (b of glBranches; track b.code) {
+                  <option [value]="b.code">{{ b.name }}</option>
+                }
+              </select>
+            } @else {
+              <span class="oss-gl-scope" title="Your login is restricted to this branch">
+                <fa-icon icon="university"></fa-icon> {{ glScopeName }}
+              </span>
+            }
+            @if (glMappedCount) {
+              <button class="oss-btn oss-btn-clear" (click)="clearAllGlMappings()">Clear all</button>
+            }
+          }
+          <button class="oss-btn" [class.oss-btn-xls]="!glMapMode" (click)="toggleGlMapMode()">
+            <fa-icon [icon]="glMapMode ? 'times' : 'plus'"></fa-icon>
+            {{ glMapMode ? 'Done' : 'Add / Remove GLs' }}
+          </button>
+        </div>
+      </div>
+
       <div class="oss-tbl-wrap">
         <table class="oss-tbl">
           <thead>
             <tr>
               <th>Particulars</th>
+              @if (glMapMode) {
+                <th class="oss-gl-col">Mapped GL accounts</th>
+              }
               <th class="ta-r">Rs in Thousand</th>
             </tr>
           </thead>
@@ -134,8 +175,44 @@
             @for (line of earnings; track $index) {
               <tr [class.total-row]="line.total">
                 <td [class]="'lvl-' + line.level">{{ line.label }}</td>
-                <td class="ta-r mono" [class.derived]="line.total">
+                @if (glMapMode) {
-                  {{ line.value === null ? '' : (line.value | number: line.count ? '1.0-0' : '1.2-2') }}
+                  <td>
+                    <div class="oss-gl-cell">
+                      @for (code of glCodesFor(line.label); track code) {
+                        <span class="oss-gl-chip">
+                          <span class="mono">{{ code }}</span>
+                          <button
+                            class="oss-gl-chip-x"
+                            (click)="removeGlFromLine(line.label, code)"
+                            [attr.aria-label]="'Remove ' + code"
+                          >
+                            <fa-icon icon="times"></fa-icon>
+                          </button>
+                        </span>
+                      }
+                      <button class="oss-gl-add" (click)="openGlPicker(line.label, line.value)">
+                        <fa-icon icon="plus"></fa-icon>
+                        {{ glCodesFor(line.label).length ? 'Edit' : 'Add GL' }}
+                      </button>
+                      @if (glDiffers(line.label, line.value)) {
+                        <span class="oss-gl-warn" title="Ledger figure differs from the value filed on the return">
+                          <fa-icon icon="exclamation-triangle"></fa-icon> differs from filed
+                        </span>
+                      }
+                    </div>
+                  </td>
+                }
+                <td
+                  class="ta-r mono"
+                  [class.derived]="line.total"
+                  [class.gl-sourced]="isGlMapped(line.label)"
+                  [class.gl-diff]="glDiffers(line.label, line.value)"
+                >
+                  {{
+                    effectiveValue(line.label, line.value) === null
+                      ? ''
+                      : (effectiveValue(line.label, line.value) | number: (line.count ? '1.0-0' : '1.2-2'))
+                  }}
                 </td>
               </tr>
             }
@@ -186,9 +263,10 @@
       <div class="oss-balance" [class.oss-balance--bad]="!otherExpensesTally">
         <fa-icon [icon]="otherExpensesTally ? 'check-circle' : 'exclamation-triangle'"></fa-icon>
         <span>
-          Detail total <strong>&#8377;{{ otherExpensesTotal | number: '1.2-2' }}</strong> vs Earnings line 12 ix)
+          Detail total <strong>&#8377;{{ otherExpensesTotal | number: '1.2-2' }}</strong> vs Earnings line 12 ix) Others
-          Others
+          <strong
-          <strong>&#8377;{{ otherExpensesLineValue === null ? '—' : (otherExpensesLineValue | number: '1.2-2') }}</strong>
+            >&#8377;{{ otherExpensesLineValue === null ? '—' : (otherExpensesLineValue | number: '1.2-2') }}</strong
+          >
           — {{ otherExpensesTally ? 'tallies' : 'MISMATCH — resolve before filing' }}
         </span>
       </div>

src/app/rbi-circulars/oss2-roe/oss2-roe.component.ts

@@ -11,6 +11,7 @@ import { FormsModule } from '@angular/forms';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import * as ExcelJS from 'exceljs';
+import { GlMappingHost } from '../gl-mapping.host';
 import {
   addBanner,
   addLineRows,
@@ -54,7 +55,14 @@ interface TieUp {
     FormsModule
   ]
 })
-export class Oss2RoeComponent {
+export class Oss2RoeComponent extends GlMappingHost {
+  readonly glReturnCode = 'R071';
+
+  /** RoE reports the quarter; mapped income and expense figures use the same span. */
+  get glRange() {
+    return { from: '2026-04-01', to: '2026-06-30' };
+  }
+
   activeTab: Oss2Tab = 'general';
 
   generalInfo = ROE_GENERAL_INFO;
@@ -178,8 +186,7 @@ export class Oss2RoeComponent {
     const sheet = wb.addWorksheet('Earnings');
     sheet.columns = [
       { width: 90 },
-      { width: 20 }
+      { width: 20 }];
-    ];
     addBanner(sheet, 'Earnings', 'B');
 
     const first = sheet.rowCount + 1;
@@ -205,23 +212,31 @@ export class Oss2RoeComponent {
     const sheet = wb.addWorksheet('Interest Receivable Not Recog');
     sheet.columns = [
       { width: 72 },
-      { width: 22 }
+      { width: 22 }];
-    ];
     addBanner(sheet, 'Interest Receivable Not Recognized', 'B');
 
     const start = sheet.rowCount + 1;
-    const unit = sheet.addRow(['', 'Rs in Thousand']);
+    const unit = sheet.addRow([
+      '',
+      'Rs in Thousand'
+    ]);
     unit.font = { bold: true };
     unit.alignment = { horizontal: 'center' };
     unit.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
 
-    const head = sheet.addRow(['Interest receivable on NPAs not recognized as income', this.quarterEndDate]);
+    const head = sheet.addRow([
+      'Interest receivable on NPAs not recognized as income',
+      this.quarterEndDate
+    ]);
     head.font = { bold: true };
     head.getCell(2).alignment = { horizontal: 'center' };
     head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
 
     for (const r of this.interestNotRecognized) {
-      const row = sheet.addRow([r.label, r.value]);
+      const row = sheet.addRow([
+        r.label,
+        r.value
+      ]);
       row.getCell(1).alignment = { wrapText: true, vertical: 'middle' };
       row.getCell(1).fill = solidFill(XL.headerGrey);
       row.getCell(2).numFmt = '#,##0.00';
@@ -238,28 +253,43 @@ export class Oss2RoeComponent {
     sheet.columns = [
       { width: 10 },
       { width: 56 },
-      { width: 20 }
+      { width: 20 }];
-    ];
     addBanner(sheet, 'Other Operating Expenses', 'C');
 
     const start = sheet.rowCount + 1;
-    const title = sheet.addRow(['Details of Other Operating Expenses', '', 'Rs in Thousand']);
+    const title = sheet.addRow([
+      'Details of Other Operating Expenses',
+      '',
+      'Rs in Thousand'
+    ]);
     sheet.mergeCells(`A${title.number}:B${title.number}`);
     title.font = { bold: true };
     title.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
     title.getCell(3).alignment = { horizontal: 'center' };
 
-    const head = sheet.addRow(['Sr No', 'Particulars', 'Amount']);
+    const head = sheet.addRow([
+      'Sr No',
+      'Particulars',
+      'Amount'
+    ]);
     head.font = { bold: true };
     head.alignment = { horizontal: 'center' };
     head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
 
     for (const e of this.otherExpenses) {
-      const row = sheet.addRow([e.srNo, e.particulars, e.amount]);
+      const row = sheet.addRow([
+        e.srNo,
+        e.particulars,
+        e.amount
+      ]);
       row.getCell(3).numFmt = '#,##0.00';
     }
 
-    const total = sheet.addRow(['Total', '', this.otherExpensesTotal]);
+    const total = sheet.addRow([
+      'Total',
+      '',
+      this.otherExpensesTotal
+    ]);
     sheet.mergeCells(`A${total.number}:B${total.number}`);
     total.font = { bold: true };
     total.getCell(1).fill = solidFill(XL.headerGrey);
@@ -268,7 +298,11 @@ export class Oss2RoeComponent {
 
     boxAllCells(sheet, start, sheet.rowCount, 3);
 
-    const ref = sheet.addRow(['', '', 'Refer Earnings Sheet — line 12 ix) Others']);
+    const ref = sheet.addRow([
+      '',
+      '',
+      'Refer Earnings Sheet — line 12 ix) Others'
+    ]);
     ref.getCell(3).font = { italic: true, size: 10 };
   }
 

src/app/rbi-circulars/oss3-raq/oss3-raq.component.html

@@ -52,6 +52,46 @@
     }
   </div>
 
+  <!-- GL mapping toolbar (applies to the first figure column of each statement) -->
+  @if (activeTab !== 'filing' && activeTab !== 'signatory') {
+    <div class="oss-gl-bar" [class.on]="glMapMode">
+      <div class="oss-gl-bar-l">
+        <fa-icon icon="project-diagram"></fa-icon>
+        <span>
+          <strong>General Ledger mapping</strong>
+          @if (glMappedCount) {
+            <span class="oss-gl-count">{{ glMappedCount }} line(s) mapped</span>
+          } @else {
+            <span class="muted"> — pin GL accounts to a line and its first figure comes from the ledger</span>
+          }
+        </span>
+      </div>
+      <div class="oss-gl-bar-r">
+        @if (glMapMode) {
+          @if (canSelectGlBranch) {
+            <select class="oss-gl-inp" [(ngModel)]="glBranchCode">
+              <option value="">All branches</option>
+              @for (b of glBranches; track b.code) {
+                <option [value]="b.code">{{ b.name }}</option>
+              }
+            </select>
+          } @else {
+            <span class="oss-gl-scope" title="Your login is restricted to this branch">
+              <fa-icon icon="university"></fa-icon> {{ glScopeName }}
+            </span>
+          }
+          @if (glMappedCount) {
+            <button class="oss-btn oss-btn-clear" (click)="clearAllGlMappings()">Clear all</button>
+          }
+        }
+        <button class="oss-btn" [class.oss-btn-xls]="!glMapMode" (click)="toggleGlMapMode()">
+          <fa-icon [icon]="glMapMode ? 'times' : 'plus'"></fa-icon>
+          {{ glMapMode ? 'Done' : 'Add / Remove GLs' }}
+        </button>
+      </div>
+    </div>
+  }
+
   <!-- FILING INFORMATION -->
   @if (activeTab === 'filing') {
     <div class="oss-section">
@@ -74,7 +114,9 @@
   <!-- PORTFOLIO ANALYSIS -->
   @if (activeTab === 'portfolio') {
     <div class="oss-section">
-      <div class="oss-sheet-banner">PortfolioAnalysis(loans_advncs) — Portfolio Analysis (By delinquency in Interest Payment)</div>
+      <div class="oss-sheet-banner">
+        PortfolioAnalysis(loans_advncs) — Portfolio Analysis (By delinquency in Interest Payment)
+      </div>
       <ng-container [ngTemplateOutlet]="matrix" [ngTemplateOutletContext]="{ t: portfolioAnalysis }"></ng-container>
       <ng-container [ngTemplateOutlet]="matrix" [ngTemplateOutletContext]="{ t: portfolioMemo }"></ng-container>
     </div>
@@ -117,7 +159,9 @@
       <ng-container [ngTemplateOutlet]="matrix" [ngTemplateOutletContext]="{ t: capitalMemo }"></ng-container>
 
       <div class="oss-tbl-wrap">
-        <div class="oss-tbl-h">Table 5: Top Fifty Impaired Credit or more than Rs.100 lakhs &mdash; Rs in Thousands</div>
+        <div class="oss-tbl-h">
+          Table 5: Top Fifty Impaired Credit or more than Rs.100 lakhs &mdash; Rs in Thousands
+        </div>
         <table class="oss-tbl">
           <thead>
             <tr>
@@ -240,7 +284,8 @@
             Sectoral gross advances <strong>&#8377;{{ sectoralGross | number: '1.2-2' }}</strong> and NPAs
             <strong>&#8377;{{ sectoralNpa | number: '1.2-2' }}</strong> do not match the closing position reported by
             Classification (<strong>&#8377;{{ classificationTotal | number: '1.2-2' }}</strong> /
-            <strong>&#8377;{{ grossNpa | number: '1.2-2' }}</strong>).
+            <strong>&#8377;{{ grossNpa | number: '1.2-2' }}</strong
+            >).
             @if (sectoralMatchesOpening) {
               They match the <em>opening</em> balances in Movement Parts 1 and 2 instead — this statement appears to
               have been prepared on the previous quarter's book.
@@ -326,7 +371,10 @@
   <ng-template #matrix let-t="t">
     <div class="oss-tbl-wrap">
       <div class="oss-tbl-h">
-        {{ t.title }}@if (t.unit) {<span class="oss-tbl-unit">{{ t.unit }}</span>}
+        {{ t.title }}
+        @if (t.unit) {
+          <span class="oss-tbl-unit">{{ t.unit }}</span>
+        }
       </div>
       @if (t.subtitle) {
         <div class="oss-tbl-sub">{{ t.subtitle }}</div>
@@ -335,6 +383,9 @@
         <thead>
           <tr>
             <th class="oss-col-label">Particulars</th>
+            @if (glMapMode) {
+              <th class="oss-gl-col">Mapped GL accounts</th>
+            }
             @for (c of t.columns; track $index) {
               <th class="ta-r">{{ c }}</th>
             }
@@ -344,12 +395,48 @@
           @for (row of t.rows; track $index) {
             <tr [class.total-row]="row.total" [class.section-row]="row.header">
               <td [class]="'lvl-' + row.level">{{ row.label }}</td>
+              @if (glMapMode) {
+                <td>
+                  @if (!row.header) {
+                    <div class="oss-gl-cell">
+                      @for (code of glCodesFor(t.title + ' / ' + row.label); track code) {
+                        <span class="oss-gl-chip">
+                          <span class="mono">{{ code }}</span>
+                          <button
+                            class="oss-gl-chip-x"
+                            (click)="removeGlFromLine(t.title + ' / ' + row.label, code)"
+                            [attr.aria-label]="'Remove ' + code"
+                          >
+                            <fa-icon icon="times"></fa-icon>
+                          </button>
+                        </span>
+                      }
+                      <button
+                        class="oss-gl-add"
+                        (click)="openGlPicker(t.title + ' / ' + row.label, row.values[0] ?? null)"
+                      >
+                        <fa-icon icon="plus"></fa-icon>
+                        {{ glCodesFor(t.title + ' / ' + row.label).length ? 'Edit' : 'Add GL' }}
+                      </button>
+                    </div>
+                  }
+                </td>
+              }
               @if (row.header) {
                 <td [attr.colspan]="t.columns.length"></td>
               } @else {
                 @for (v of row.values; track $index) {
-                  <td class="ta-r mono" [class.derived]="row.total">
+                  <td
-                    {{ v === null ? '' : (v | number: '1.2-2') }}{{ v !== null && row.percent ? '%' : '' }}
+                    class="ta-r mono"
+                    [class.derived]="row.total"
+                    [class.gl-sourced]="$index === 0 && isGlMapped(t.title + ' / ' + row.label)"
+                    [class.gl-diff]="$index === 0 && glDiffers(t.title + ' / ' + row.label, v)"
+                  >
+                    @if ($index === 0 && isGlMapped(t.title + ' / ' + row.label)) {
+                      {{ effectiveValue(t.title + ' / ' + row.label, v) | number: '1.2-2' }}{{ row.percent ? '%' : '' }}
+                    } @else {
+                      {{ v === null ? '' : (v | number: '1.2-2') }}{{ v !== null && row.percent ? '%' : '' }}
+                    }
                   </td>
                 }
               }

src/app/rbi-circulars/oss3-raq/oss3-raq.component.ts

@@ -12,6 +12,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import * as ExcelJS from 'exceljs';
 import { MatrixTable } from '../oss-return.model';
+import { GlMappingHost } from '../gl-mapping.host';
 import {
   addBanner,
   addMatrixTable,
@@ -77,7 +78,14 @@ type Oss3Tab =
     FormsModule
   ]
 })
-export class Oss3RaqComponent {
+export class Oss3RaqComponent extends GlMappingHost {
+  readonly glReturnCode = 'R323';
+
+  /** RAQ reports the quarter; mapped figures are drawn from the same span. */
+  get glRange() {
+    return { from: '2026-04-01', to: '2026-06-30' };
+  }
+
   activeTab: Oss3Tab = 'filing';
 
   /** Tab strip definition — keeps the template free of a dozen near-identical buttons. */
@@ -313,8 +321,7 @@ export class Oss3RaqComponent {
       { width: 16 },
       { width: 18 },
       { width: 18 },
-      { width: 18 }
+      { width: 18 }];
-    ];
     addBanner(sheet, 'TopImpairedCredits - Top Impaired Credits', 'I');
     addMatrixTable(sheet, this.capitalMemo);
     for (const t of this.recoveryTables) {
@@ -398,8 +405,7 @@ export class Oss3RaqComponent {
       { width: 18 },
       { width: 20 },
       { width: 22 },
-      { width: 20 }
+      { width: 20 }];
-    ];
     addBanner(sheet, 'ExposureLimits - Single and Group Borrower Exposure Limit', 'G');
     addMatrixTable(sheet, this.capitalPreviousMarch);
 

src/app/reconciliation/reconciliation-data.ts

@@ -0,0 +1,703 @@
+/**
+ * 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/.
+ */
+
+// Dummy data layer for the "Reconciliation" mega-menu — 16 screens across 5 groups (Core &
+// Books / Bank & Clearing / Digital & Payments / Instruments & Members / Compliance &
+// Financials). Every reconciliation type shares one generic two-sided model (Side A vs Side B,
+// difference, match status) so the UI, KPIs and "Mark as Reconciled" action are all driven by
+// the same pure functions below — no report can duplicate/contradict another's numbers.
+//
+// Branches are the SAME 8 used by the NPA module (Branch 1/Branch 2 + 6 named branches) so a
+// real bank demo never shows two different branch lists in two different menus.
+
+import { BRANCHES, BranchMaster } from '../npa/npa-data';
+
+export { BRANCHES };
+export type { BranchMaster };
+
+export type ReconGroupId = 'core' | 'bank' | 'digital' | 'instruments' | 'compliance';
+export type ReconScope = 'BRANCH' | 'HEAD_OFFICE';
+export type ReconStatus = 'MATCHED' | 'UNMATCHED' | 'PENDING' | 'RESOLVED';
+
+export const GROUP_LABELS: Record<ReconGroupId, string> = {
+  core: 'Core & Books',
+  bank: 'Bank & Clearing',
+  digital: 'Digital & Payments',
+  instruments: 'Instruments & Members',
+  compliance: 'Compliance & Financials'
+};
+
+export interface ReconTypeMeta {
+  id: string;
+  group: ReconGroupId;
+  label: string;
+  /**
+   * BRANCH — the underlying activity is booked at a specific branch (vouchers, cheques,
+   * customer digital transactions, share members, fixed assets), so Head Office sees a branch
+   * selector + consolidated view and a branch login is locked to its own branch — same pattern
+   * as the NPA module.
+   * HEAD_OFFICE — the activity has no branch dimension in real life (bank-wide P&L/GL control,
+   * treasury's own bank accounts, statutory tax filing, vendor procurement, inter-branch
+   * consolidation) — only Head Office can open these; a branch login sees a restricted notice.
+   */
+  scope: ReconScope;
+  sideALabel: string;
+  sideBLabel: string;
+  referenceLabel: string;
+  /** Only set for the one genuinely three-sided report (Three-way Digital Reconciliation). */
+  extraLabel?: string;
+}
+
+export const RECON_TYPES: ReconTypeMeta[] = [
+  {
+    id: 'voucher',
+    group: 'core',
+    label: 'Voucher Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'System Voucher Amount',
+    sideBLabel: 'Physical / Scanned Voucher Amount',
+    referenceLabel: 'Voucher No'
+  },
+  {
+    id: 'sundry-dr-cr',
+    group: 'core',
+    label: 'Sundry Dr / Cr Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'GL Balance',
+    sideBLabel: 'Party Ledger Balance',
+    referenceLabel: 'Party Code'
+  },
+  {
+    id: 'pnl-impact',
+    group: 'core',
+    label: 'P&L Impact Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'P&L as per GL',
+    sideBLabel: 'P&L as per MIS Schedule',
+    referenceLabel: 'Income / Expense Head'
+  },
+  {
+    id: 'gl-reconciliation',
+    group: 'core',
+    label: 'GL Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'Total Debit',
+    sideBLabel: 'Total Credit',
+    referenceLabel: 'GL Code'
+  },
+  {
+    id: 'fixed-assets',
+    group: 'core',
+    label: 'Fixed Assets Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'GL Asset Value (WDV)',
+    sideBLabel: 'Physical Verification Value',
+    referenceLabel: 'Asset Tag No'
+  },
+  {
+    id: 'inter-company',
+    group: 'core',
+    label: 'Inter-Company Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'HO Books (Inter-Branch A/c)',
+    sideBLabel: 'Branch Books (HO A/c)',
+    referenceLabel: 'Branch'
+  },
+  {
+    id: 'bank-reco',
+    group: 'bank',
+    label: 'Bank Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'Balance per Bank GL (Books)',
+    sideBLabel: 'Balance per Bank Statement',
+    referenceLabel: 'Bank Account'
+  },
+  {
+    id: 'api-bank-reco',
+    group: 'bank',
+    label: 'API Based Bank Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'Core Banking Balance',
+    sideBLabel: 'API Feed Balance',
+    referenceLabel: 'Bank Account (API)'
+  },
+  {
+    id: 'neft-rtgs',
+    group: 'bank',
+    label: 'NEFT / RTGS Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'Amount per CBS',
+    sideBLabel: 'Amount per RBI Settlement File',
+    referenceLabel: 'UTR No'
+  },
+  {
+    id: 'clearing-reco',
+    group: 'bank',
+    label: 'Clearing Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'Cheque Amount per CBS',
+    sideBLabel: 'Amount per Clearing House (CTS)',
+    referenceLabel: 'Cheque No'
+  },
+  {
+    id: 'udir',
+    group: 'digital',
+    label: 'UDIR (IMPS / UPI / ATM)',
+    scope: 'BRANCH',
+    sideALabel: 'Disputed Amount (Customer Claim)',
+    sideBLabel: 'NPCI UDIR Resolution Amount',
+    referenceLabel: 'UDIR Ticket No'
+  },
+  {
+    id: 'three-way-digital',
+    group: 'digital',
+    label: 'Three-way Digital Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'Core Banking Record',
+    sideBLabel: 'Settlement Bank Record',
+    extraLabel: 'Switch / NPCI Record',
+    referenceLabel: 'Transaction Ref (RRN)'
+  },
+  {
+    id: 'nach-reco',
+    group: 'digital',
+    label: 'NACH Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'Mandate Amount per CBS',
+    sideBLabel: 'Amount per NPCI Response File',
+    referenceLabel: 'UMRN'
+  },
+  {
+    id: 'share-member',
+    group: 'instruments',
+    label: 'Share Member Reconciliation',
+    scope: 'BRANCH',
+    sideALabel: 'Share GL Balance',
+    sideBLabel: 'Member Share Ledger Total',
+    referenceLabel: 'Folio No'
+  },
+  {
+    id: 'invoice-payment',
+    group: 'compliance',
+    label: 'Invoice Payment',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'Invoice Amount (Vendor Bill)',
+    sideBLabel: 'Amount Paid per GL',
+    referenceLabel: 'Invoice No'
+  },
+  {
+    id: 'tax-reco',
+    group: 'compliance',
+    label: 'Tax Reconciliation',
+    scope: 'HEAD_OFFICE',
+    sideALabel: 'Deducted / Collected per Books',
+    sideBLabel: 'Remitted to Government (Challan)',
+    referenceLabel: 'Challan No'
+  }
+];
+
+export const DEFAULT_RECON_ID = 'voucher';
+
+export function reconMeta(id: string): ReconTypeMeta {
+  return RECON_TYPES.find((t) => t.id === id) || RECON_TYPES[0];
+}
+
+export interface ReconItem {
+  id: string;
+  reconTypeId: string;
+  branchCode: string;
+  branchName: string;
+  groupLabel: string;
+  reference: string;
+  description: string;
+  date: string;
+  sideAAmount: number;
+  sideBAmount: number;
+  extraAmount?: number;
+  status: ReconStatus;
+  remarks: string;
+}
+
+export function difference(item: ReconItem): number {
+  return +(item.sideAAmount - item.sideBAmount).toFixed(2);
+}
+
+export function isOpen(item: ReconItem): boolean {
+  return item.status === 'UNMATCHED' || item.status === 'PENDING';
+}
+
+// -------------------------------------------------------------------------
+// Date helpers (same shape as npa-data.ts, kept local so this module has no
+// runtime dependency beyond the shared BRANCHES list)
+// -------------------------------------------------------------------------
+function fmt(d: Date): string {
+  return `${String(d.getDate()).padStart(2, '0')}-${String(d.getMonth() + 1).padStart(2, '0')}-${d.getFullYear()}`;
+}
+function addDays(d: Date, days: number): Date {
+  const r = new Date(d);
+  r.setDate(r.getDate() + days);
+  return r;
+}
+export function todayDDMMYYYY(): string {
+  return fmt(new Date());
+}
+
+// -------------------------------------------------------------------------
+// Seeded RNG — deterministic dataset across reloads (own seed, independent of npa-data.ts)
+// -------------------------------------------------------------------------
+function mulberry32(seed: number): () => number {
+  return function random(): number {
+    seed |= 0;
+    seed = (seed + 0x6d2b79f5) | 0;
+    let t = Math.imul(seed ^ (seed >>> 15), 1 | seed);
+    t = (t + Math.imul(t ^ (t >>> 7), 61 | t)) ^ t;
+    return ((t ^ (t >>> 14)) >>> 0) / 4294967296;
+  };
+}
+const rng = mulberry32(20260213);
+const pick = <T>(arr: T[]): T => arr[Math.floor(rng() * arr.length)];
+const between = (min: number, max: number): number => min + rng() * (max - min);
+const round = (n: number): number => Math.round(n);
+
+const VENDOR_NAMES = [
+  'Om Stationery Suppliers',
+  'Shubham Printers',
+  'Shree Balaji AMC Services',
+  'Metro Security Services',
+  'Sai Computers & Networking',
+  'Deccan Furniture Works',
+  'Unity Housekeeping Services',
+  'Precision Fire & Safety',
+  'Konark Electricals',
+  'Vasant Stationery Mart'
+];
+const PARTY_NAMES = [
+  'Kiran Hardware',
+  'Vishal Electronics',
+  'Nilesh Electricals',
+  'Ramdas Plumbing Works',
+  'Anita Traders',
+  'Ganesh Enterprises',
+  'Om Textiles',
+  'Balaji Agro Traders',
+  'Sunil Auto Parts',
+  'Meera Fabricators'
+];
+const ASSET_NAMES = [
+  'Office Furniture Set',
+  'Desktop Computer (Branch Counter)',
+  'UPS 3 KVA',
+  'Currency Counting Machine',
+  'Air Conditioner 1.5 Ton',
+  'CCTV Camera System',
+  'Branch Generator 15 KVA',
+  'Server Rack Cabinet',
+  'Biometric Attendance Device',
+  'Two-Wheeler (Recovery Officer)'
+];
+const GL_HEADS = [
+  'Interest on Loans & Advances',
+  'Interest on Investments',
+  'Interest Paid on Deposits',
+  'Commission & Exchange',
+  'Locker Rent Income',
+  'Establishment Charges',
+  'Rent, Taxes & Lighting',
+  'Printing & Stationery',
+  'Depreciation on Fixed Assets',
+  'Bad Debts Written Off',
+  'Audit Fees',
+  'Sundry Income'
+];
+const BANK_ACCOUNTS = [
+  'SBI Current Account - 40012345678',
+  'HDFC Bank Current Account - 5020012345',
+  'ICICI Bank Current Account - 000305012345',
+  'Axis Bank Current Account - 91020012345',
+  'RBI Current Account (Banking Dept)'
+];
+
+interface GenOptions {
+  reconTypeId: string;
+  refPrefix: string;
+  refDigits: number;
+  descriptions: string[];
+  minAmt: number;
+  maxAmt: number;
+  unmatchedRate: number;
+  branchScoped: boolean;
+  countPerBranch?: number;
+  totalCount?: number;
+  today: Date;
+}
+
+function statusFor(unmatchedRate: number): ReconStatus {
+  const r = rng();
+  if (r < unmatchedRate * 0.6) {
+    return 'UNMATCHED';
+  }
+  if (r < unmatchedRate) {
+    return 'PENDING';
+  }
+  return 'MATCHED';
+}
+
+function amountsFor(status: ReconStatus, minAmt: number, maxAmt: number): { a: number; b: number } {
+  const a = round(between(minAmt, maxAmt));
+  if (status === 'MATCHED') {
+    return { a, b: a };
+  }
+  const gapPct = between(0.02, 0.35);
+  const sign = rng() < 0.5 ? 1 : -1;
+  const b = round(a * (1 - sign * gapPct));
+  return { a, b };
+}
+
+function generateGeneric(opts: GenOptions): ReconItem[] {
+  const items: ReconItem[] = [];
+  const meta = reconMeta(opts.reconTypeId);
+  const branchLoop = opts.branchScoped ? BRANCHES : [{ code: 'HO', name: 'Head Office' }];
+  const perBranch = opts.countPerBranch ?? opts.totalCount ?? 20;
+
+  branchLoop.forEach((branch, branchIdx) => {
+    const count = opts.branchScoped ? perBranch : (opts.totalCount ?? perBranch);
+    for (let i = 0; i < count; i++) {
+      const status = statusFor(opts.unmatchedRate);
+      const { a, b } = amountsFor(status, opts.minAmt, opts.maxAmt);
+      const daysAgo = round(between(1, 75));
+      const seq = String(branchIdx * 1000 + i + 1).padStart(opts.refDigits, '0');
+      items.push({
+        id: `${opts.reconTypeId}-${branch.code}-${i}`,
+        reconTypeId: opts.reconTypeId,
+        branchCode: branch.code,
+        branchName: branch.name,
+        groupLabel: GROUP_LABELS[meta.group],
+        reference: `${opts.refPrefix}${seq}`,
+        description: pick(opts.descriptions),
+        date: fmt(addDays(opts.today, -daysAgo)),
+        sideAAmount: a,
+        sideBAmount: status === 'MATCHED' ? a : b,
+        status,
+        remarks: status === 'MATCHED' ? '' : ''
+      });
+    }
+  });
+  return items;
+}
+
+function generateInterCompany(today: Date): ReconItem[] {
+  return BRANCHES.map((b): ReconItem => {
+    const status = statusFor(0.25);
+    const { a, b: bAmt } = amountsFor(status, 200000, 3500000);
+    return {
+      id: `inter-company-${b.code}`,
+      reconTypeId: 'inter-company',
+      branchCode: 'HO',
+      branchName: 'Head Office',
+      groupLabel: GROUP_LABELS.core,
+      reference: b.name,
+      description: `Inter-branch settlement account — ${b.name}`,
+      date: fmt(addDays(today, -round(between(1, 10)))),
+      sideAAmount: a,
+      sideBAmount: status === 'MATCHED' ? a : bAmt,
+      status,
+      remarks: ''
+    };
+  });
+}
+
+function generateBankReco(reconTypeId: string, today: Date, refPrefix: string): ReconItem[] {
+  const templates = [
+    'Cheque issued, not yet presented',
+    'Cheque deposited, not yet credited by bank',
+    'Bank charges debited, not yet booked in CBS',
+    'Interest credited by bank, not yet booked in CBS',
+    'Direct credit by remitter, not yet identified',
+    'Standing instruction debited by bank, pending booking',
+    'RTGS outward debited by bank, in-transit in CBS'
+  ];
+  const items: ReconItem[] = [];
+  BANK_ACCOUNTS.forEach((acct, idx) => {
+    const lineCount = reconTypeId === 'api-bank-reco' ? 5 : 6;
+    for (let i = 0; i < lineCount; i++) {
+      const status = statusFor(0.55);
+      const { a, b } = amountsFor(status, 15000, 850000);
+      items.push({
+        id: `${reconTypeId}-${idx}-${i}`,
+        reconTypeId,
+        branchCode: 'HO',
+        branchName: 'Head Office',
+        groupLabel: GROUP_LABELS.bank,
+        reference: `${refPrefix}${String(idx + 1).padStart(2, '0')}${String(i + 1).padStart(3, '0')}`,
+        description: `${acct} — ${pick(templates)}`,
+        date: fmt(addDays(today, -round(between(1, 30)))),
+        sideAAmount: a,
+        sideBAmount: status === 'MATCHED' ? a : b,
+        status,
+        remarks: ''
+      });
+    }
+  });
+  return items;
+}
+
+function generateThreeWayDigital(today: Date): ReconItem[] {
+  const channels = [
+    'IMPS',
+    'UPI',
+    'NEFT',
+    'RTGS',
+    'ATM (NFS)'
+  ];
+  const items: ReconItem[] = [];
+  for (let i = 0; i < 45; i++) {
+    const status = statusFor(0.12);
+    const core = round(between(500, 250000));
+    const switchAmt = status === 'MATCHED' ? core : round(core * (1 - between(0.02, 0.2)));
+    const settlement = status === 'MATCHED' ? core : round(core * (1 - between(0.02, 0.15)));
+    items.push({
+      id: `three-way-digital-${i}`,
+      reconTypeId: 'three-way-digital',
+      branchCode: 'HO',
+      branchName: 'Head Office',
+      groupLabel: GROUP_LABELS.digital,
+      reference: `RRN${String(700000 + i)}`,
+      description: `${pick(channels)} transaction — Core vs Switch vs Settlement Bank`,
+      date: fmt(addDays(today, -round(between(1, 20)))),
+      sideAAmount: core,
+      sideBAmount: settlement,
+      extraAmount: switchAmt,
+      status,
+      remarks: ''
+    });
+  }
+  return items;
+}
+
+function generateAll(): ReconItem[] {
+  const today = new Date();
+  return [
+    ...generateGeneric({
+      reconTypeId: 'voucher',
+      refPrefix: 'JV/26/',
+      refDigits: 5,
+      descriptions: [
+        'Cash deposit voucher',
+        'Cash withdrawal voucher',
+        'Journal entry — interest provision',
+        'Journal entry — expense booking',
+        'Transfer voucher — inter-GL',
+        'Debit voucher — charges recovery',
+        'Credit voucher — refund adjustment'
+      ],
+      minAmt: 500,
+      maxAmt: 250000,
+      unmatchedRate: 0.08,
+      branchScoped: true,
+      countPerBranch: 15,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'sundry-dr-cr',
+      refPrefix: 'PTY-',
+      refDigits: 4,
+      descriptions: PARTY_NAMES,
+      minAmt: 5000,
+      maxAmt: 180000,
+      unmatchedRate: 0.18,
+      branchScoped: true,
+      countPerBranch: 10,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'pnl-impact',
+      refPrefix: 'GLH-',
+      refDigits: 3,
+      descriptions: GL_HEADS,
+      minAmt: 40000,
+      maxAmt: 4200000,
+      unmatchedRate: 0.15,
+      branchScoped: false,
+      totalCount: 24,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'gl-reconciliation',
+      refPrefix: 'GL-',
+      refDigits: 6,
+      descriptions: [
+        'Suspense account clearance check',
+        'Control account tally — deposits',
+        'Control account tally — advances',
+        'Inter-branch adjustment head',
+        'Sundry assets/liabilities head',
+        ...GL_HEADS
+      ],
+      minAmt: 20000,
+      maxAmt: 5200000,
+      unmatchedRate: 0.1,
+      branchScoped: false,
+      totalCount: 42,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'fixed-assets',
+      refPrefix: 'FA-',
+      refDigits: 4,
+      descriptions: ASSET_NAMES,
+      minAmt: 8000,
+      maxAmt: 650000,
+      unmatchedRate: 0.12,
+      branchScoped: true,
+      countPerBranch: 8,
+      today
+    }),
+    ...generateInterCompany(today),
+    ...generateBankReco('bank-reco', today, 'BRS-'),
+    ...generateBankReco('api-bank-reco', today, 'API-'),
+    ...generateGeneric({
+      reconTypeId: 'neft-rtgs',
+      refPrefix: 'UTR',
+      refDigits: 12,
+      descriptions: [
+        'RTGS outward — beneficiary bank settlement',
+        'RTGS inward — remitting bank settlement',
+        'NEFT outward — beneficiary bank settlement',
+        'NEFT inward — remitting bank settlement'
+      ],
+      minAmt: 25000,
+      maxAmt: 1800000,
+      unmatchedRate: 0.06,
+      branchScoped: true,
+      countPerBranch: 12,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'clearing-reco',
+      refPrefix: 'CHQ-',
+      refDigits: 6,
+      descriptions: [
+        'Outward clearing — cheque sent',
+        'Inward clearing — cheque received',
+        'CTS grid settlement adjustment',
+        'Cheque return — insufficient funds'
+      ],
+      minAmt: 10000,
+      maxAmt: 620000,
+      unmatchedRate: 0.09,
+      branchScoped: true,
+      countPerBranch: 10,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'udir',
+      refPrefix: 'UDIR-',
+      refDigits: 5,
+      descriptions: [
+        'IMPS failed but debited — customer dispute',
+        'UPI transaction disputed — merchant not credited',
+        'ATM cash-not-dispensed but account debited',
+        'UPI duplicate debit dispute'
+      ],
+      minAmt: 500,
+      maxAmt: 45000,
+      unmatchedRate: 0.35,
+      branchScoped: true,
+      countPerBranch: 4,
+      today
+    }),
+    ...generateThreeWayDigital(today),
+    ...generateGeneric({
+      reconTypeId: 'nach-reco',
+      refPrefix: 'UMRN',
+      refDigits: 10,
+      descriptions: [
+        'NACH debit — loan EMI collection',
+        'NACH debit — gold loan EMI collection',
+        'NACH credit — salary/DBT disbursement',
+        'NACH mandate return — insufficient funds'
+      ],
+      minAmt: 1500,
+      maxAmt: 85000,
+      unmatchedRate: 0.14,
+      branchScoped: true,
+      countPerBranch: 8,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'share-member',
+      refPrefix: 'FOL-',
+      refDigits: 5,
+      descriptions: [
+        'Regular member — share balance',
+        'Nominal member — share balance',
+        'Share transfer on account closure',
+        'Share application pending allotment'
+      ],
+      minAmt: 500,
+      maxAmt: 25000,
+      unmatchedRate: 0.07,
+      branchScoped: true,
+      countPerBranch: 9,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'invoice-payment',
+      refPrefix: 'INV-',
+      refDigits: 5,
+      descriptions: VENDOR_NAMES,
+      minAmt: 3000,
+      maxAmt: 380000,
+      unmatchedRate: 0.13,
+      branchScoped: false,
+      totalCount: 30,
+      today
+    }),
+    ...generateGeneric({
+      reconTypeId: 'tax-reco',
+      refPrefix: 'CHLN-',
+      refDigits: 4,
+      descriptions: [
+        'TDS on FD/RD interest payouts',
+        'TDS on salary payments',
+        'TDS on contractor/vendor payments',
+        'GST on service charges collected',
+        'GST on locker rent collected',
+        'TCS on cash transactions'
+      ],
+      minAmt: 8000,
+      maxAmt: 620000,
+      unmatchedRate: 0.11,
+      branchScoped: false,
+      totalCount: 18,
+      today
+    })
+  ];
+}
+
+export const RECON_ITEMS: ReconItem[] = generateAll();
+
+// -------------------------------------------------------------------------
+// KPI helpers — always computed from the item list handed in, so a filtered
+// (branch-scoped) view and the full book can never disagree on a total.
+// -------------------------------------------------------------------------
+export function totalSideA(items: ReconItem[]): number {
+  return items.reduce((s, i) => s + i.sideAAmount, 0);
+}
+export function totalSideB(items: ReconItem[]): number {
+  return items.reduce((s, i) => s + i.sideBAmount, 0);
+}
+export function totalDifference(items: ReconItem[]): number {
+  return items.reduce((s, i) => s + Math.abs(difference(i)), 0);
+}
+export function countByStatus(items: ReconItem[], status: ReconStatus): number {
+  return items.filter((i) => i.status === status).length;
+}
+export function matchRate(items: ReconItem[]): number {
+  return items.length ? (countByStatus(items, 'MATCHED') / items.length) * 100 : 100;
+}

src/app/reconciliation/reconciliation-report/reconciliation-report.component.html

@@ -0,0 +1,271 @@
+<!--
+  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="pg">
+  <header class="pg-head">
+    <div>
+      <div class="pg-eyebrow">
+        RECONCILIATION · {{ groupLabels[activeGroup] | uppercase }}
+        <span class="recon-scope-chip">{{ meta.scope === 'HEAD_OFFICE' ? 'Head Office Only' : 'Branch-wise' }}</span>
+      </div>
+      <h1 class="pg-title">{{ meta.label }}</h1>
+      <p class="pg-sub">
+        {{ meta.sideALabel }} vs {{ meta.sideBLabel }}
+        @if (meta.extraLabel) {
+          vs {{ meta.extraLabel }}
+        }
+        — as on {{ asOnDate }}.
+      </p>
+    </div>
+    <div class="pg-toolbar">
+      @if (meta.scope === 'BRANCH') {
+        @if (isHeadOffice) {
+          <label class="pg-field">
+            <span>Branch</span>
+            <select class="pg-select" [ngModel]="branchFilter" (ngModelChange)="setBranch($event)">
+              <option value="">-- All Branches --</option>
+              @for (b of branches; track b.code) {
+                <option [value]="b.code">{{ b.name }}</option>
+              }
+            </select>
+          </label>
+        } @else {
+          <label class="pg-field">
+            <span>Branch</span>
+            <span class="pg-chip">{{ scopeName }}</span>
+          </label>
+        }
+      } @else {
+        <label class="pg-field">
+          <span>Scope</span>
+          <span class="pg-chip">Head Office (Whole Bank)</span>
+        </label>
+      }
+      <label class="pg-field">
+        <span>As On</span>
+        <input type="text" [(ngModel)]="asOnDate" placeholder="DD-MM-YYYY" />
+      </label>
+      <button type="button" class="pg-btn pg-btn--primary" (click)="generate()">Generate</button>
+      @if (!isRestricted) {
+        <button type="button" class="pg-btn pg-btn--ghost" [disabled]="generating" (click)="openExportModal()">
+          {{ generating ? 'Exporting…' : 'Export to Excel' }}
+        </button>
+      }
+    </div>
+  </header>
+
+  @if (!isRestricted) {
+    <div class="inv-kpis">
+      <div class="inv-kpi">
+        <span class="inv-kpi__label">{{ meta.sideALabel }}</span>
+        <span class="inv-kpi__value">₹{{ totalA | number: '1.0-0' }}</span>
+        <span class="inv-kpi__sub">{{ items.length }} items</span>
+      </div>
+      <div class="inv-kpi">
+        <span class="inv-kpi__label">{{ meta.sideBLabel }}</span>
+        <span class="inv-kpi__value">₹{{ totalB | number: '1.0-0' }}</span>
+        <span class="inv-kpi__sub">{{ scopeName }}</span>
+      </div>
+      <div class="inv-kpi">
+        <span class="inv-kpi__label">Absolute Difference</span>
+        <span class="inv-kpi__value" [class.npa-warn]="totalDiff > 0">₹{{ totalDiff | number: '1.0-0' }}</span>
+        <span class="inv-kpi__sub">{{ matchPct | number: '1.1-1' }}% matched</span>
+      </div>
+      <div class="inv-kpi">
+        <span class="inv-kpi__label">Open Items</span>
+        <span class="inv-kpi__value npa-warn">{{ unmatchedCount + pendingCount }}</span>
+        <span class="inv-kpi__sub"
+          >{{ unmatchedCount }} unmatched · {{ pendingCount }} pending · {{ resolvedCount }} resolved</span
+        >
+      </div>
+    </div>
+  }
+
+  <div class="cctr-tabs">
+    @for (g of groups; track g) {
+      <button
+        type="button"
+        class="pg-btn pg-btn--ghost"
+        [class.pg-btn--active]="activeGroup === g"
+        (click)="goToReport(groupOf(g)[0].id)"
+      >
+        {{ groupLabels[g] }}
+      </button>
+    }
+  </div>
+
+  <div class="cctr-tabs">
+    @for (m of groupOf(activeGroup); track m.id) {
+      <button
+        type="button"
+        class="pg-btn pg-btn--ghost"
+        [class.pg-btn--active]="activeReport === m.id"
+        (click)="goToReport(m.id)"
+      >
+        {{ m.label }}
+      </button>
+    }
+  </div>
+
+  @if (isRestricted) {
+    <div class="pg-card">
+      <div class="recon-restricted">
+        <fa-icon icon="university" class="recon-restricted__icon"></fa-icon>
+        <div class="recon-restricted__title">Managed Centrally by Head Office</div>
+        <p class="recon-restricted__body">
+          {{ meta.label }} has no branch-level dimension in real-world banking — it is reconciled centrally by the Head
+          Office Accounts/Treasury team. Your login ({{ currentOfficeName }}) does not have access to this screen.
+          Contact Head Office if you need a figure from this reconciliation.
+        </p>
+      </div>
+    </div>
+  } @else {
+    <div class="pg-card">
+      <div class="pos-section-label">{{ meta.label }} — {{ scopeName }}</div>
+      <div class="pg-table-scroll">
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>{{ meta.referenceLabel }}</th>
+              <th>Description</th>
+              @if (meta.scope === 'BRANCH') {
+                <th>Branch</th>
+              }
+              <th>Date</th>
+              <th class="num">{{ meta.sideALabel }}</th>
+              <th class="num">{{ meta.sideBLabel }}</th>
+              @if (meta.extraLabel) {
+                <th class="num">{{ meta.extraLabel }}</th>
+              }
+              <th class="num">Difference</th>
+              <th>Status</th>
+              <th>Remarks / Action</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (item of paged(items); track item.id) {
+              <tr>
+                <td>
+                  <span class="pg-chip">{{ item.reference }}</span>
+                </td>
+                <td>{{ item.description }}</td>
+                @if (meta.scope === 'BRANCH') {
+                  <td>{{ item.branchName }}</td>
+                }
+                <td>{{ item.date }}</td>
+                <td class="num">₹{{ item.sideAAmount | number: '1.0-0' }}</td>
+                <td class="num">₹{{ item.sideBAmount | number: '1.0-0' }}</td>
+                @if (meta.extraLabel) {
+                  <td class="num">₹{{ item.extraAmount | number: '1.0-0' }}</td>
+                }
+                <td class="num" [class.col-out]="diff(item) !== 0" [class.col-in]="diff(item) === 0">
+                  ₹{{ diff(item) | number: '1.0-0' }}
+                </td>
+                <td>
+                  <span [class]="badgeClass(item.status)">{{ item.status }}</span>
+                </td>
+                <td>
+                  @if (isItemOpen(item)) {
+                    <div class="recon-action-row">
+                      <input
+                        type="text"
+                        class="recon-remark-input"
+                        [(ngModel)]="remarksDraft[item.id]"
+                        placeholder="Remarks (optional)"
+                      />
+                      <button type="button" class="pg-btn pg-btn--ghost" (click)="markReconciled(item)">
+                        Mark as Reconciled
+                      </button>
+                    </div>
+                  } @else if (item.status === 'RESOLVED') {
+                    <span class="pg-sub">{{ item.remarks }}</span>
+                  }
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td
+                  [attr.colspan]="meta.scope === 'BRANCH' ? (meta.extraLabel ? 10 : 9) : meta.extraLabel ? 9 : 8"
+                  class="pg-empty"
+                >
+                  No {{ meta.label }} items for this branch.
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (items.length > pageSize) {
+        <div class="pg-pagination">
+          <span class="pg-pagination__info"
+            >Showing {{ rangeStart(items) }}–{{ rangeEnd(items) }} of {{ items.length }}</span
+          >
+          <div class="pg-pagination__controls">
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === 1"
+              (click)="goToPage(currentPage - 1, items)"
+            >
+              ‹ Prev
+            </button>
+            <span class="pg-pagination__page">Page {{ currentPage }} of {{ pageCount(items) }}</span>
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="currentPage === pageCount(items)"
+              (click)="goToPage(currentPage + 1, items)"
+            >
+              Next ›
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+  }
+</div>
+
+@if (showExportModal) {
+  <div class="recon-modal-backdrop" (click)="closeExportModal()">
+    <div class="recon-modal" (click)="$event.stopPropagation()">
+      <div class="recon-modal__header">
+        <span>Export to Excel — Sign-off (Optional)</span>
+        <button type="button" class="recon-modal__close" (click)="closeExportModal()" aria-label="Close">
+          &times;
+        </button>
+      </div>
+      <p class="pg-sub" style="padding: 0 20px">
+        Fill in Prepared / Checked / Approved details if this copy needs them for the record — or leave them blank and
+        download straight away.
+      </p>
+      <div class="recon-signoff-grid">
+        <div class="recon-signoff-col">
+          <span class="recon-signoff-role">Prepared By</span>
+          <input type="text" placeholder="Name" [(ngModel)]="exportSignOff.preparedByName" />
+          <input type="text" placeholder="Designation" [(ngModel)]="exportSignOff.preparedByDesg" />
+        </div>
+        <div class="recon-signoff-col">
+          <span class="recon-signoff-role">Checked By</span>
+          <input type="text" placeholder="Name" [(ngModel)]="exportSignOff.checkedByName" />
+          <input type="text" placeholder="Designation" [(ngModel)]="exportSignOff.checkedByDesg" />
+        </div>
+        <div class="recon-signoff-col">
+          <span class="recon-signoff-role">Approved By</span>
+          <input type="text" placeholder="Name" [(ngModel)]="exportSignOff.approvedByName" />
+          <input type="text" placeholder="Designation" [(ngModel)]="exportSignOff.approvedByDesg" />
+        </div>
+      </div>
+      <div class="inv-form-actions" style="padding: 0 20px 20px">
+        <button type="button" class="pg-btn pg-btn--ghost" (click)="closeExportModal()">Cancel</button>
+        <button type="button" class="pg-btn pg-btn--primary" (click)="confirmExport()">Download</button>
+      </div>
+    </div>
+  </div>
+}
+
+<div class="inv-toast" [class.show]="toastVisible">{{ toastMsg }}</div>

src/app/reconciliation/reconciliation-report/reconciliation-report.component.ts

@@ -0,0 +1,418 @@
+/**
+ * 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, OnDestroy, OnInit } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { ActivatedRoute, Router, RouterModule } from '@angular/router';
+import { Subscription } from 'rxjs';
+import * as ExcelJS from 'exceljs';
+import { AuthenticationService } from '../../core/authentication/authentication.service';
+import {
+  RECON_TYPES,
+  RECON_ITEMS,
+  BRANCHES,
+  GROUP_LABELS,
+  DEFAULT_RECON_ID,
+  ReconGroupId,
+  ReconTypeMeta,
+  ReconItem,
+  ReconStatus,
+  reconMeta,
+  difference,
+  isOpen,
+  totalSideA,
+  totalSideB,
+  totalDifference,
+  countByStatus,
+  matchRate,
+  todayDDMMYYYY
+} from '../reconciliation-data';
+
+/** Optional "Prepared / Checked / Approved" details captured in the Export to Excel popup —
+ *  purely a one-off snapshot for that download, not a persisted workflow/sign-off state. */
+interface ReconExportSignOff {
+  preparedByName: string;
+  preparedByDesg: string;
+  checkedByName: string;
+  checkedByDesg: string;
+  approvedByName: string;
+  approvedByDesg: string;
+}
+
+function blankExportSignOff(): ReconExportSignOff {
+  return {
+    preparedByName: '',
+    preparedByDesg: '',
+    checkedByName: '',
+    checkedByDesg: '',
+    approvedByName: '',
+    approvedByDesg: ''
+  };
+}
+
+/**
+ * The "Reconciliation" mega-menu — 16 screens across 5 groups (Core & Books / Bank & Clearing /
+ * Digital & Payments / Instruments & Members / Compliance & Financials) — collapsed into one
+ * route-param-driven component, mirroring the NPA module's pattern. Every screen shares the same
+ * generic two-sided (Side A vs Side B) reconciliation model in reconciliation-data.ts, and the
+ * same Head-Office-vs-branch access split used by NPA and Cash/Clearing/Transfer: activity that
+ * genuinely happens at a branch (vouchers, cheques, digital transactions, share members, fixed
+ * assets) is branch-scoped; activity with no branch dimension in real life (bank-wide P&L/GL
+ * control, treasury's own bank accounts, statutory tax filing, vendor procurement, inter-branch
+ * consolidation) is Head-Office-only.
+ */
+@Component({
+  selector: 'mifosx-reconciliation-report',
+  templateUrl: './reconciliation-report.component.html',
+  styleUrls: [
+    '../../cashier/cashier-shared.scss',
+    '../../investment/investment-shared.scss',
+    '../../npa/npa-shared.scss',
+    '../reconciliation-shared.scss'
+  ],
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule
+  ]
+})
+export class ReconciliationReportComponent implements OnInit, OnDestroy {
+  readonly reportMeta = RECON_TYPES;
+  readonly groupLabels = GROUP_LABELS;
+  readonly branches = BRANCHES;
+  readonly groups: ReconGroupId[] = [
+    'core',
+    'bank',
+    'digital',
+    'instruments',
+    'compliance'
+  ];
+  asOnDate = todayDDMMYYYY();
+
+  activeGroup: ReconGroupId = 'core';
+  activeReport = DEFAULT_RECON_ID;
+
+  isHeadOffice = false;
+  currentOfficeName = 'Branch Office';
+  private ownBranchCode: string | null = null;
+
+  /** '' = All Branches (Head Office consolidated view); otherwise a BranchMaster.code. */
+  branchFilter = '';
+
+  readonly pageSize = 20;
+  currentPage = 1;
+
+  remarksDraft: Record<string, string> = {};
+
+  generating = false;
+  showExportModal = false;
+  exportSignOff: ReconExportSignOff = blankExportSignOff();
+
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: ReturnType<typeof setTimeout> | undefined;
+  private sub?: Subscription;
+
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+  private readonly auth = inject(AuthenticationService);
+
+  ngOnInit(): void {
+    this.sub = this.route.paramMap.subscribe((params) => {
+      const id = params.get('reportId') || DEFAULT_RECON_ID;
+      const meta = this.reportMeta.find((m) => m.id === id) || this.reportMeta[0];
+      this.activeReport = meta.id;
+      this.activeGroup = meta.group;
+      this.currentPage = 1;
+    });
+
+    const creds = this.auth.getCredentials();
+    this.isHeadOffice = this.auth.isHeadOfficeUser();
+    this.currentOfficeName = creds?.officeName || 'Branch Office';
+    if (this.isHeadOffice) {
+      this.branchFilter = '';
+    } else {
+      this.ownBranchCode =
+        this.branches.find((b) => this.currentOfficeName.toLowerCase().includes(b.name.toLowerCase()))?.code || null;
+      this.branchFilter = this.ownBranchCode || this.branches[0].code;
+    }
+  }
+
+  ngOnDestroy(): void {
+    this.sub?.unsubscribe();
+  }
+
+  goToReport(reportId: string): void {
+    this.router.navigate([
+      '/reconciliation',
+      reportId
+    ]);
+  }
+
+  groupOf(group: ReconGroupId): ReconTypeMeta[] {
+    return this.reportMeta.filter((m) => m.group === group);
+  }
+
+  setBranch(code: string): void {
+    this.branchFilter = code;
+    this.currentPage = 1;
+  }
+
+  get meta(): ReconTypeMeta {
+    return reconMeta(this.activeReport);
+  }
+
+  /** True when a branch-level login has opened a Head-Office-only reconciliation type. */
+  get isRestricted(): boolean {
+    return this.meta.scope === 'HEAD_OFFICE' && !this.isHeadOffice;
+  }
+
+  get scopeName(): string {
+    if (this.meta.scope === 'HEAD_OFFICE') {
+      return 'Head Office';
+    }
+    if (!this.isHeadOffice) {
+      return this.currentOfficeName;
+    }
+    return this.branchFilter ? this.branches.find((b) => b.code === this.branchFilter)?.name || '' : 'All Branches';
+  }
+
+  get items(): ReconItem[] {
+    const all = RECON_ITEMS.filter((i) => i.reconTypeId === this.activeReport);
+    if (this.meta.scope !== 'BRANCH' || !this.branchFilter) {
+      return all;
+    }
+    return all.filter((i) => i.branchCode === this.branchFilter);
+  }
+
+  diff(item: ReconItem): number {
+    return difference(item);
+  }
+
+  isItemOpen(item: ReconItem): boolean {
+    return isOpen(item);
+  }
+
+  badgeClass(status: ReconStatus): string {
+    return `recon-badge recon-badge--${status.toLowerCase()}`;
+  }
+
+  // -------------------- KPIs (always over the full `items` list, never the paged slice) --------------------
+  get totalA(): number {
+    return totalSideA(this.items);
+  }
+  get totalB(): number {
+    return totalSideB(this.items);
+  }
+  get totalDiff(): number {
+    return totalDifference(this.items);
+  }
+  get matchedCount(): number {
+    return countByStatus(this.items, 'MATCHED');
+  }
+  get unmatchedCount(): number {
+    return countByStatus(this.items, 'UNMATCHED');
+  }
+  get pendingCount(): number {
+    return countByStatus(this.items, 'PENDING');
+  }
+  get resolvedCount(): number {
+    return countByStatus(this.items, 'RESOLVED');
+  }
+  get matchPct(): number {
+    return matchRate(this.items);
+  }
+
+  // -------------------- Pagination --------------------
+  paged<T>(list: T[]): T[] {
+    const start = (this.currentPage - 1) * this.pageSize;
+    return list.slice(start, start + this.pageSize);
+  }
+  pageCount(list: unknown[]): number {
+    return Math.max(1, Math.ceil(list.length / this.pageSize));
+  }
+  rangeStart(list: unknown[]): number {
+    return list.length === 0 ? 0 : (this.currentPage - 1) * this.pageSize + 1;
+  }
+  rangeEnd(list: unknown[]): number {
+    return Math.min(this.currentPage * this.pageSize, list.length);
+  }
+  goToPage(page: number, list: unknown[]): void {
+    this.currentPage = Math.min(Math.max(1, page), this.pageCount(list));
+  }
+
+  // -------------------- Actions --------------------
+  markReconciled(item: ReconItem): void {
+    const remark = (this.remarksDraft[item.id] || '').trim();
+    item.status = 'RESOLVED';
+    item.remarks = remark || 'Reconciled — difference verified and squared off.';
+    delete this.remarksDraft[item.id];
+    this.toast(`${this.meta.referenceLabel} ${item.reference} marked as reconciled.`);
+  }
+
+  generate(): void {
+    this.currentPage = 1;
+    this.toast(`${this.meta.label} refreshed as on ${this.asOnDate}.`);
+  }
+
+  // -------------------- Export to Excel --------------------
+  /** "Export to Excel" opens this popup first — Prepared/Checked/Approved details are entirely
+   *  optional; leaving them blank and clicking Download exports immediately with no sign-off
+   *  rows added. */
+  openExportModal(): void {
+    this.exportSignOff = blankExportSignOff();
+    this.showExportModal = true;
+  }
+
+  closeExportModal(): void {
+    this.showExportModal = false;
+  }
+
+  confirmExport(): void {
+    this.showExportModal = false;
+    void this.exportExcel();
+  }
+
+  /** Strips characters Excel forbids in worksheet names (\ / ? * [ ]) and caps the length. */
+  private safeSheetName(name: string): string {
+    return name.replace(/[\\/?*[\]]/g, '-').slice(0, 31);
+  }
+
+  private async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      const wb = new ExcelJS.Workbook();
+      wb.creator = 'CBSNexora';
+      wb.created = new Date();
+      // Excel worksheet names can't contain \ / ? * [ ] or exceed 31 chars — several report
+      // labels here have a "/" (e.g. "NEFT / RTGS Reconciliation"), which made addWorksheet()
+      // throw and silently abort the whole export.
+      const sheet = wb.addWorksheet(this.safeSheetName(this.meta.label));
+
+      const headers = [
+        this.meta.referenceLabel,
+        'Description',
+        ...(this.meta.scope === 'BRANCH' ? ['Branch'] : []),
+        'Date',
+        this.meta.sideALabel,
+        this.meta.sideBLabel,
+        ...(this.meta.extraLabel ? [this.meta.extraLabel] : []),
+        'Difference',
+        'Status',
+        'Remarks'
+      ];
+      const widths = [
+        18,
+        34,
+        ...(this.meta.scope === 'BRANCH' ? [16] : []),
+        12,
+        20,
+        20,
+        ...(this.meta.extraLabel ? [20] : []),
+        16,
+        14,
+        30
+      ];
+      sheet.columns = widths.map((w) => ({ width: w }));
+
+      const title = sheet.addRow([this.meta.label]);
+      sheet.mergeCells(title.number, 1, title.number, headers.length);
+      title.font = { bold: true, size: 14, color: { argb: 'FFFFFFFF' } };
+      title.alignment = { horizontal: 'center', vertical: 'middle' };
+      title.height = 24;
+      title.getCell(1).fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FF0F4F3C' } };
+
+      const meta = sheet.addRow([`Scope: ${this.scopeName}   ·   As On: ${this.asOnDate}`]);
+      sheet.mergeCells(meta.number, 1, meta.number, headers.length);
+      meta.font = { italic: true, size: 10 };
+      sheet.addRow([]);
+
+      const head = sheet.addRow(headers);
+      head.font = { bold: true };
+      head.alignment = { wrapText: true, horizontal: 'center' };
+      head.eachCell((c) => {
+        c.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FFE2E8F0' } };
+        c.border = { bottom: { style: 'thin' } };
+      });
+
+      for (const item of this.items) {
+        const row: (string | number | null)[] = [
+          item.reference,
+          item.description,
+          ...(this.meta.scope === 'BRANCH' ? [item.branchName] : []),
+          item.date,
+          item.sideAAmount,
+          item.sideBAmount,
+          ...(this.meta.extraLabel ? [item.extraAmount ?? null] : []),
+          this.diff(item),
+          item.status,
+          item.remarks
+        ];
+        const excelRow = sheet.addRow(row);
+        row.forEach((v, idx) => {
+          if (typeof v === 'number') {
+            excelRow.getCell(idx + 1).numFmt = '#,##0.00';
+          }
+        });
+      }
+      sheet.views = [{ state: 'frozen', ySplit: 4 }];
+
+      const so = this.exportSignOff;
+      const hasSignOff = [
+        so.preparedByName,
+        so.checkedByName,
+        so.approvedByName
+      ].some((v) => v.trim());
+      if (hasSignOff) {
+        sheet.addRow([]);
+        sheet.addRow([]);
+        const signHead = sheet.addRow([
+          'Prepared By',
+          so.preparedByName ? `${so.preparedByName}${so.preparedByDesg ? ' (' + so.preparedByDesg + ')' : ''}` : '—',
+          '',
+          'Checked By',
+          so.checkedByName ? `${so.checkedByName}${so.checkedByDesg ? ' (' + so.checkedByDesg + ')' : ''}` : '—',
+          '',
+          'Approved By',
+          so.approvedByName ? `${so.approvedByName}${so.approvedByDesg ? ' (' + so.approvedByDesg + ')' : ''}` : '—'
+        ]);
+        signHead.font = { bold: true };
+      }
+
+      const buffer = await wb.xlsx.writeBuffer();
+      const blob = new Blob([buffer], {
+        type: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet'
+      });
+      const url = URL.createObjectURL(blob);
+      const a = document.createElement('a');
+      a.href = url;
+      a.download = `${this.meta.label.replace(/[^\w]+/g, '-')}-${this.scopeName.replace(/[^\w]+/g, '-')}-${this.asOnDate}.xlsx`;
+      document.body.appendChild(a);
+      a.click();
+      document.body.removeChild(a);
+      URL.revokeObjectURL(url);
+      this.toast(`${this.meta.label} exported (${this.items.length} rows).`);
+    } catch (err) {
+      console.error('Reconciliation export failed', err);
+      this.toast('Could not generate the workbook — please retry.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    if (this.toastTimer) {
+      clearTimeout(this.toastTimer);
+    }
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
+}

src/app/reconciliation/reconciliation-routing.module.ts

@@ -0,0 +1,41 @@
+/**
+ * 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 { NgModule } from '@angular/core';
+import { Routes, RouterModule } from '@angular/router';
+
+import { Route } from '../core/route/route.service';
+import { ReconciliationReportComponent } from './reconciliation-report/reconciliation-report.component';
+import { DEFAULT_RECON_ID } from './reconciliation-data';
+
+const routes: Routes = [
+  Route.withShell([
+    {
+      path: 'reconciliation',
+      data: { title: 'Reconciliation', breadcrumb: 'Reconciliation' },
+      children: [
+        {
+          path: '',
+          redirectTo: DEFAULT_RECON_ID,
+          pathMatch: 'full'
+        },
+        {
+          path: ':reportId',
+          component: ReconciliationReportComponent,
+          data: { title: 'Reconciliation', breadcrumb: 'Reconciliation' }
+        }
+      ]
+    }
+  ])
+];
+
+@NgModule({
+  imports: [RouterModule.forChild(routes)],
+  exports: [RouterModule]
+})
+export class ReconciliationRoutingModule {}

src/app/reconciliation/reconciliation-shared.scss

@@ -0,0 +1,189 @@
+/**
+ * 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/.
+ */
+
+// Reconciliation-status colouring layered on top of ../cashier/cashier-shared.scss (pg-*,
+// cctr-*), ../investment/investment-shared.scss (inv-kpis, inv-form-*, inv-toast) and
+// ../npa/npa-shared.scss (pg-pagination) — reused as-is since they're generic primitives.
+
+.recon-badge {
+  display: inline-flex;
+  align-items: center;
+  padding: 3px 10px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  white-space: nowrap;
+
+  &--matched {
+    background: #f0fdf4;
+    color: #15803d;
+    border: 1px solid #bbf7d0;
+  }
+
+  &--unmatched {
+    background: #fef2f2;
+    color: #dc2626;
+    border: 1px solid #fecaca;
+  }
+
+  &--pending {
+    background: #fefce8;
+    color: #a16207;
+    border: 1px solid #fde68a;
+  }
+
+  &--resolved {
+    background: #eff6ff;
+    color: #1d4ed8;
+    border: 1px solid #bfdbfe;
+  }
+}
+
+.recon-scope-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 5px;
+  padding: 3px 10px;
+  border-radius: 999px;
+  font-size: 10px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  background: #f1f5f9;
+  color: #475569;
+  border: 1px solid #e2e8f0;
+}
+
+.recon-action-row {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.recon-remark-input {
+  height: 32px;
+  min-width: 160px;
+  padding: 0 10px;
+  border: 1px solid #e2e8f0;
+  border-radius: 8px;
+  font-size: 12px;
+  font-family: inherit;
+  color: #0d1b2a;
+  background: #fff;
+}
+
+.recon-signoff-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
+  gap: 16px;
+  padding: 16px;
+}
+
+.recon-signoff-col {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+  padding: 14px;
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  background: #f8fafc;
+
+  input {
+    height: 34px;
+    padding: 0 10px;
+    border: 1px solid #e2e8f0;
+    border-radius: 8px;
+    font-size: 13px;
+    font-family: inherit;
+    color: #0d1b2a;
+    background: #fff;
+  }
+}
+
+.recon-signoff-role {
+  font-size: 11px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  color: #0f4f3c;
+}
+
+.recon-modal-backdrop {
+  position: fixed;
+  inset: 0;
+  background: rgb(15 23 42 / 55%);
+  z-index: 2000;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  padding: 20px;
+}
+
+.recon-modal {
+  width: 100%;
+  max-width: 820px;
+  max-height: 90vh;
+  overflow-y: auto;
+  background: #fff;
+  border-radius: 12px;
+  box-shadow: 0 20px 60px rgb(0 0 0 / 30%);
+
+  &__header {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    padding: 16px 20px;
+    font-size: 15px;
+    font-weight: 700;
+    color: #0f172a;
+    border-bottom: 1px solid #e2e8f0;
+  }
+
+  &__close {
+    border: none;
+    background: none;
+    font-size: 22px;
+    line-height: 1;
+    color: #64748b;
+    cursor: pointer;
+    padding: 0 4px;
+
+    &:hover {
+      color: #0f172a;
+    }
+  }
+}
+
+.recon-restricted {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 10px;
+  padding: 56px 24px;
+  text-align: center;
+  color: #64748b;
+
+  &__icon {
+    font-size: 28px;
+    color: #94a3b8;
+  }
+
+  &__title {
+    font-size: 15px;
+    font-weight: 700;
+    color: #334155;
+  }
+
+  &__body {
+    max-width: 440px;
+    font-size: 13px;
+    line-height: 1.5;
+  }
+}

src/app/reconciliation/reconciliation.module.ts

@@ -0,0 +1,22 @@
+/**
+ * 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 { NgModule } from '@angular/core';
+
+import { SharedModule } from '../shared/shared.module';
+import { ReconciliationRoutingModule } from './reconciliation-routing.module';
+import { ReconciliationReportComponent } from './reconciliation-report/reconciliation-report.component';
+
+@NgModule({
+  imports: [
+    SharedModule,
+    ReconciliationRoutingModule,
+    ReconciliationReportComponent
+  ]
+})
+export class ReconciliationModule {}

src/app/reports/reports-routing.module.ts

@@ -43,6 +43,22 @@ const routes: Routes = [
           data: { title: 'Sanctions Logs', breadcrumb: 'Sanctions Logs' },
           component: SanctionsLogsComponent
         },
+        // Must sit above ':filter', which would otherwise match this path and
+        // render an empty report category instead.
+        {
+          path: 'form-97-98',
+          data: { title: 'Form 97 / 98 Transaction Report', breadcrumb: 'Form 97 / 98 Transaction Report' },
+          loadComponent: () =>
+            import('../form-declarations/form-declaration-report.component').then(
+              (m) => m.FormDeclarationReportComponent
+            )
+        },
+        {
+          path: 'risk-review',
+          data: { title: 'Risk Review Report', breadcrumb: 'Risk Review Report' },
+          loadComponent: () =>
+            import('../risk-review/risk-review-report.component').then((m) => m.RiskReviewReportComponent)
+        },
         {
           path: ':filter',
           data: { routeParamBreadcrumb: 'filter' },

src/app/risk-review/risk-review-report.component.html

@@ -0,0 +1,527 @@
+<!--
+  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="rr-root">
+  <!-- HEADER -->
+  <div class="rr-head">
+    <div class="rr-head-left">
+      <fa-icon icon="user-shield" class="rr-head-ic"></fa-icon>
+      <div>
+        <h2 class="rr-head-t">Risk Review Report</h2>
+        <div class="rr-head-s">
+          Customers whose transactions tripped an AML rule and whose risk profile therefore needs a look. For each case
+          the reviewer decides one of four things — keep the rating, move it, call for a KYC update, or refer it to the
+          Principal Officer for an STR.
+        </div>
+      </div>
+    </div>
+    <div class="rr-head-actions">
+      <button class="rr-btn rr-btn--primary" [disabled]="generating || loading" (click)="exportExcel()">
+        <fa-icon icon="file-excel"></fa-icon> {{ generating ? 'Generating…' : 'Download Excel' }}
+      </button>
+    </div>
+  </div>
+
+  @if (sampleCount) {
+    <div class="rr-banner rr-banner--sample">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <span>
+        <strong>{{ sampleCount }} demonstration rows</strong> are included alongside
+        {{ hasLive ? 'the live alerts' : 'the live feed, which has raised nothing' }}. Sample rows carry a
+        <span class="rr-tag">Sample</span> tag in the table and must not be acted on as compliance data.
+      </span>
+      <button class="rr-btn rr-btn--slim" (click)="load()"><fa-icon icon="undo"></fa-icon> Reload live feed</button>
+    </div>
+  }
+
+  <!-- FILTERS -->
+  <div class="rr-filters">
+    <div class="rr-filter-row">
+      <div class="rr-modes">
+        @for (m of periodModes; track m.key) {
+          <button class="rr-chip" [class.active]="periodMode === m.key" (click)="periodMode = m.key">
+            {{ m.label }}
+          </button>
+        }
+      </div>
+
+      @switch (periodMode) {
+        @case ('day') {
+          <label class="rr-field">
+            <span>Date</span>
+            <input type="date" [(ngModel)]="filterDay" />
+          </label>
+        }
+        @case ('week') {
+          <label class="rr-field">
+            <span>Any date in week</span>
+            <input type="date" [(ngModel)]="filterWeek" />
+          </label>
+          <span class="rr-resolved">Week: {{ rangeLabel }}</span>
+        }
+        @case ('month') {
+          <label class="rr-field">
+            <span>Month</span>
+            <input type="month" [(ngModel)]="filterMonth" />
+          </label>
+        }
+        @default {
+          <label class="rr-field">
+            <span>Alerts from</span>
+            <input type="date" [(ngModel)]="filterFrom" />
+          </label>
+          <label class="rr-field">
+            <span>To</span>
+            <input type="date" [(ngModel)]="filterTo" />
+          </label>
+        }
+      }
+    </div>
+
+    <div class="rr-filter-row">
+      <label class="rr-field">
+        <span>Branch</span>
+        <select [(ngModel)]="branchCode" [disabled]="!canSelectBranch">
+          @if (canSelectBranch) {
+            <option value="">All Branches</option>
+          }
+          @for (b of branches; track b.code) {
+            <option [value]="b.code">{{ b.code }} — {{ b.name }}</option>
+          }
+        </select>
+      </label>
+
+      <label class="rr-field">
+        <span>Current risk</span>
+        <select [(ngModel)]="currentRisk">
+          <option value="">Any rating</option>
+          <option value="LOW">Low</option>
+          <option value="MEDIUM">Medium</option>
+          <option value="HIGH">High</option>
+        </select>
+      </label>
+
+      <label class="rr-field">
+        <span>AML rule triggered</span>
+        <select [(ngModel)]="ruleCode">
+          <option value="">All rules</option>
+          @for (r of rules; track r.code) {
+            <option [value]="r.code">{{ r.label }}</option>
+          }
+        </select>
+      </label>
+
+      <label class="rr-field">
+        <span>Review status</span>
+        <select [(ngModel)]="status">
+          <option value="">Any status</option>
+          @for (s of reviewStatuses; track s) {
+            <option [value]="s">{{ statusMeta[s].label }}</option>
+          }
+        </select>
+      </label>
+
+      <label class="rr-field">
+        <span>Rating outcome</span>
+        <select [(ngModel)]="direction">
+          <option value="">Any outcome</option>
+          <option value="up">Review upward</option>
+          <option value="down">Review downward</option>
+          <option value="same">Within current rating</option>
+        </select>
+      </label>
+
+      <label class="rr-field rr-field--grow">
+        <span>Search</span>
+        <input type="text" [(ngModel)]="search" placeholder="Customer name, customer ID, account number or alert ID…" />
+      </label>
+
+      <label class="rr-check">
+        <input type="checkbox" [(ngModel)]="openOnly" />
+        Only cases awaiting review
+      </label>
+
+      <button class="rr-btn" (click)="resetFilters()"><fa-icon icon="undo"></fa-icon> Reset</button>
+    </div>
+
+    @if (!canSelectBranch) {
+      <div class="rr-scope-note">
+        <fa-icon icon="lock"></fa-icon>
+        Showing {{ branchLabel }} only. Head Office logins can select any branch.
+      </div>
+    }
+  </div>
+
+  @if (loading) {
+    <div class="rr-loading"><fa-icon icon="shield-alt"></fa-icon> Loading AML alerts…</div>
+  } @else {
+    <!-- SUMMARY -->
+    <div class="rr-kpis">
+      <div class="rr-kpi">
+        <div class="rr-kpi-n">{{ summary.customers }}</div>
+        <div class="rr-kpi-l">Customers for review</div>
+        <div class="rr-kpi-sub">
+          {{ summary.byRisk.LOW }} Low · {{ summary.byRisk.MEDIUM }} Medium · {{ summary.byRisk.HIGH }} High
+        </div>
+      </div>
+      <div class="rr-kpi rr-kpi--blue">
+        <div class="rr-kpi-n">{{ summary.alerts }}</div>
+        <div class="rr-kpi-l">AML alerts triggered</div>
+        <div class="rr-kpi-sub">on {{ summary.txns }} transactions · {{ summary.openAlerts }} awaiting a decision</div>
+      </div>
+      <div
+        class="rr-kpi rr-kpi--amber"
+        [class.rr-kpi--dim]="summary.upgradeCandidates + summary.downgradeCandidates === 0"
+      >
+        <div class="rr-kpi-n">{{ summary.upgradeCandidates + summary.downgradeCandidates }}</div>
+        <div class="rr-kpi-l">Ratings to be moved</div>
+        <div class="rr-kpi-sub">
+          {{ summary.upgradeCandidates }} upward · {{ summary.downgradeCandidates }} downward
+        </div>
+      </div>
+      <div class="rr-kpi" [class.rr-kpi--red]="summary.escalatedCustomers > 0">
+        <div class="rr-kpi-n">{{ summary.escalatedCustomers }}</div>
+        <div class="rr-kpi-l">Escalated to STR</div>
+        <div class="rr-kpi-sub">₹{{ summary.totalAmount | number: '1.0-0' }} under review</div>
+      </div>
+    </div>
+
+    <!-- RULE MIX — doubles as a one-click filter -->
+    @if (summary.byRule.length) {
+      <div class="rr-mix">
+        <span class="rr-mix-t">Rules triggered</span>
+        @for (r of summary.byRule; track r.code) {
+          <button class="rr-mix-item" [class.active]="ruleCode === r.code" (click)="toggleRule(r.code)">
+            {{ r.label }} <strong>{{ r.count }}</strong>
+          </button>
+        }
+      </div>
+    }
+
+    <!-- VIEW SWITCH -->
+    <div class="rr-views">
+      <button class="rr-chip" [class.active]="view === 'customer'" (click)="view = 'customer'">
+        <fa-icon icon="users"></fa-icon> Customer wise
+      </button>
+      <button class="rr-chip" [class.active]="view === 'alert'" (click)="view = 'alert'">
+        <fa-icon icon="list"></fa-icon> Alert wise
+      </button>
+      <button class="rr-chip" [class.active]="view === 'txn'" (click)="view = 'txn'">
+        <fa-icon icon="filter"></fa-icon> Transaction wise
+      </button>
+      <span class="rr-spacer"></span>
+      <span class="rr-count">
+        {{
+          view === 'customer'
+            ? customerRows.length + ' customers'
+            : view === 'alert'
+              ? alertRows.length + ' alerts'
+              : txnRows.length + ' transactions'
+        }}
+      </span>
+    </div>
+
+    <!-- CUSTOMER WISE -->
+    @if (view === 'customer') {
+      <div class="rr-table-wrap">
+        <table class="rr-table">
+          <thead>
+            <tr>
+              <th></th>
+              <th>Customer ID</th>
+              <th>Customer Name</th>
+              <th>Account Number</th>
+              <th>Branch</th>
+              <th>Current Risk</th>
+              <th class="num">Alerts</th>
+              <th>AML Rules Triggered</th>
+              <th class="num">Amount under review</th>
+              <th>Last Alert</th>
+              <th>Position</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (c of customerRows; track c.clientId) {
+              <tr
+                class="rr-cust"
+                [class.open]="expanded === c.clientId"
+                [class.rr-row--escalated]="c.escalated"
+                (click)="toggle(c.clientId)"
+              >
+                <td>
+                  <fa-icon [icon]="expanded === c.clientId ? 'caret-down' : 'caret-right'"></fa-icon>
+                </td>
+                <td class="mono">{{ c.clientId }}</td>
+                <td>
+                  <strong>{{ c.customerName }}</strong>
+                  @if (c.openCount > 0) {
+                    <span class="rr-tag">{{ c.openCount }} open</span>
+                  }
+                </td>
+                <td class="mono">{{ c.accountNo || '—' }}</td>
+                <td>{{ c.branchCode || '—' }}</td>
+                <td>
+                  <span [class]="riskClass(c.currentRisk)">{{ riskText(c.currentRisk) }}</span>
+                </td>
+                <td class="num">{{ c.alertCount }}</td>
+                <td class="rr-rules-cell">
+                  @for (label of c.ruleLabels; track label) {
+                    <span class="rr-rule">{{ label }}</span>
+                  }
+                </td>
+                <td class="num strong">{{ c.totalAmount | number: '1.0-0' }}</td>
+                <td class="mono">{{ c.lastAlertDate }}</td>
+                <td class="rr-verdict-cell">
+                  <span [class]="verdictClass(c)">{{ verdictText(c) }}</span>
+                  @if (c.directionReason) {
+                    <div class="rr-verdict-why">{{ c.directionReason }}</div>
+                  }
+                </td>
+              </tr>
+
+              @if (expanded === c.clientId) {
+                <tr class="rr-detail">
+                  <td colspan="11">
+                    <!-- One block per alert: what the rule is, then the entries it fired on. -->
+                    @for (a of c.alerts; track a.alertId) {
+                      <div class="rr-case">
+                        <div class="rr-case-head">
+                          <span class="rr-rule">{{ a.rule.label }}</span>
+                          <span class="rr-rule-cat">{{ a.rule.category }}</span>
+                          <span class="rr-case-id mono">{{ a.alertId }} · raised {{ a.alertDate }}</span>
+                          <span class="rr-spacer"></span>
+                          <span class="rr-case-amt mono">₹{{ a.amount | number: '1.0-0' }}</span>
+                          <span [class]="statusClass(a.status)">{{ statusMeta[a.status].label }}</span>
+                        </div>
+                        <div class="rr-case-why">
+                          <fa-icon icon="exclamation-triangle"></fa-icon>
+                          <span><strong>Why it triggered:</strong> {{ a.rule.description }} — {{ txnDetail(a) }}</span>
+                        </div>
+
+                        <table class="rr-subtable">
+                          <thead>
+                            <tr>
+                              <th>Txn Date</th>
+                              <th>Txn ID</th>
+                              <th>Channel</th>
+                              <th>Dr/Cr</th>
+                              <th class="num">Amount</th>
+                              <th class="num">Balance After</th>
+                              <th>Narration</th>
+                              <th>Counterparty</th>
+                              <th>AML Rule Triggered</th>
+                            </tr>
+                          </thead>
+                          <tbody>
+                            @for (t of a.txns; track t.txnId) {
+                              <tr [class.rr-leg--ctr]="t.ctrReportable">
+                                <td class="mono">{{ t.date }}</td>
+                                <td class="mono">{{ t.txnId }}</td>
+                                <td>
+                                  <span class="rr-chan">{{ channelLabel(t.channel) }}</span>
+                                </td>
+                                <td [class.cr]="t.drCr === 'CR'" [class.dr]="t.drCr === 'DR'">{{ t.drCr }}</td>
+                                <td class="num strong">
+                                  {{ t.amount | number: '1.0-0' }}
+                                  @if (t.ctrReportable) {
+                                    <span class="rr-tag rr-tag--ctr">CTR</span>
+                                  }
+                                </td>
+                                <td class="num">{{ t.balanceAfter ? (t.balanceAfter | number: '1.0-0') : '—' }}</td>
+                                <td>{{ t.narration || '—' }}</td>
+                                <td>{{ t.counterparty || '—' }}</td>
+                                <td>
+                                  <span class="rr-rule">{{ a.rule.label }}</span>
+                                  @if (a.txns.length > 1) {
+                                    <span class="rr-leg">leg {{ $index + 1 }} of {{ a.txns.length }}</span>
+                                  }
+                                </td>
+                              </tr>
+                            }
+                          </tbody>
+                        </table>
+
+                        <div class="rr-case-foot">
+                          <div class="rr-suggest">
+                            <fa-icon icon="clipboard-check"></fa-icon> {{ a.rule.suggestedAction }}
+                          </div>
+                          <div class="rr-case-remark">
+                            <strong>Reviewer:</strong> {{ a.reviewedBy || 'not yet assigned' }} —
+                            {{ a.remarks || 'no remarks recorded' }}
+                          </div>
+                        </div>
+                      </div>
+                    }
+                  </td>
+                </tr>
+              }
+            } @empty {
+              <tr>
+                <td colspan="11" class="rr-empty">
+                  No customer tripped an AML rule for {{ rangeLabel }} at {{ branchLabel }}.
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    }
+
+    <!-- ALERT WISE -->
+    @if (view === 'alert') {
+      <div class="rr-table-wrap">
+        <table class="rr-table">
+          <thead>
+            <tr>
+              <th>Alert ID</th>
+              <th>Alert Date</th>
+              <th>Customer ID</th>
+              <th>Customer Name</th>
+              <th>Account Number</th>
+              <th>Branch</th>
+              <th>Current Risk</th>
+              <th>Transaction Details</th>
+              <th>AML Rule Triggered</th>
+              <th class="num">Amount</th>
+              <th>Review Status</th>
+              <th>Reviewer Remarks</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (a of alertRows; track a.alertId) {
+              <tr [class.rr-row--escalated]="a.status === 'ESCALATED_STR' || a.status === 'STR_FILED'">
+                <td class="mono">{{ a.alertId }}</td>
+                <td class="mono">{{ a.alertDate }}</td>
+                <td class="mono">{{ a.clientId }}</td>
+                <td>
+                  <strong>{{ a.customerName }}</strong>
+                  @if (!a.live) {
+                    <span class="rr-tag">Sample</span>
+                  }
+                </td>
+                <td class="mono">{{ a.accountNo || '—' }}</td>
+                <td>{{ a.branchCode || '—' }}</td>
+                <td>
+                  <span [class]="riskClass(a.currentRisk)">{{ riskText(a.currentRisk) }}</span>
+                </td>
+                <td>{{ txnDetail(a) }}</td>
+                <td class="rr-rules-cell">
+                  <span class="rr-rule">{{ a.rule.label }}</span>
+                  <span class="rr-rule-cat">{{ a.rule.category }}</span>
+                  <div class="rr-rule-desc">{{ a.rule.description }}</div>
+                </td>
+                <td class="num strong">{{ a.amount | number: '1.0-0' }}</td>
+                <td>
+                  <span [class]="statusClass(a.status)">{{ statusMeta[a.status].label }}</span>
+                  @if (a.reviewedBy) {
+                    <div class="rr-by">by {{ a.reviewedBy }}</div>
+                  }
+                </td>
+                <td>
+                  {{ a.remarks || '—' }}
+                  <div class="rr-suggest"><fa-icon icon="clipboard-check"></fa-icon> {{ a.rule.suggestedAction }}</div>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="12" class="rr-empty">
+                  No AML rule was triggered for {{ rangeLabel }} at {{ branchLabel }}.
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    }
+
+    <!-- TRANSACTION WISE — every entry, and the rule it tripped -->
+    @if (view === 'txn') {
+      <div class="rr-table-wrap">
+        <table class="rr-table">
+          <thead>
+            <tr>
+              <th>Txn Date</th>
+              <th>Txn ID</th>
+              <th>Customer ID</th>
+              <th>Customer Name</th>
+              <th>Account Number</th>
+              <th>Branch</th>
+              <th>Current Risk</th>
+              <th>Channel</th>
+              <th>Dr/Cr</th>
+              <th class="num">Amount</th>
+              <th class="num">Balance After</th>
+              <th>Narration</th>
+              <th>Counterparty</th>
+              <th>AML Rule Triggered</th>
+              <th>Alert</th>
+              <th>Review Status</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (t of txnRows; track t.txnId) {
+              <tr [class.rr-row--escalated]="t.status === 'ESCALATED_STR' || t.status === 'STR_FILED'">
+                <td class="mono">{{ t.date }}</td>
+                <td class="mono">{{ t.txnId }}</td>
+                <td class="mono">{{ t.clientId }}</td>
+                <td>
+                  <strong>{{ t.customerName }}</strong>
+                </td>
+                <td class="mono">{{ t.accountNo || '—' }}</td>
+                <td>{{ t.branchCode || '—' }}</td>
+                <td>
+                  <span [class]="riskClass(t.currentRisk)">{{ riskText(t.currentRisk) }}</span>
+                </td>
+                <td>
+                  <span class="rr-chan">{{ channelLabel(t.channel) }}</span>
+                </td>
+                <td [class.cr]="t.drCr === 'CR'" [class.dr]="t.drCr === 'DR'">{{ t.drCr }}</td>
+                <td class="num strong">
+                  {{ t.amount | number: '1.0-0' }}
+                  @if (t.ctrReportable) {
+                    <span class="rr-tag rr-tag--ctr">CTR</span>
+                  }
+                </td>
+                <td class="num">{{ t.balanceAfter ? (t.balanceAfter | number: '1.0-0') : '—' }}</td>
+                <td>{{ t.narration || '—' }}</td>
+                <td>{{ t.counterparty || '—' }}</td>
+                <td class="rr-rules-cell">
+                  <span class="rr-rule">{{ t.rule.label }}</span>
+                  <span class="rr-rule-cat">{{ t.rule.category }}</span>
+                  @if (t.legCount > 1) {
+                    <span class="rr-leg">leg {{ t.legIndex }} of {{ t.legCount }}</span>
+                  }
+                  <div class="rr-rule-desc">{{ t.rule.description }}</div>
+                </td>
+                <td class="mono">{{ t.alertId }}</td>
+                <td>
+                  <span [class]="statusClass(t.status)">{{ statusMeta[t.status].label }}</span>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="16" class="rr-empty">
+                  No transaction tripped an AML rule for {{ rangeLabel }} at {{ branchLabel }}.
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    }
+
+    <p class="rr-legend">
+      <span class="rr-status rr-status--open">Pending review</span> awaiting a reviewer ·
+      <span class="rr-status rr-status--ok">Risk retained</span> explained, rating unchanged ·
+      <span class="rr-status rr-status--warn">Risk upgraded / KYC update</span> profile changed ·
+      <span class="rr-status rr-status--danger">Escalated / STR filed</span> with the Principal Officer
+    </p>
+  }
+
+  <div class="rr-toast" [class.show]="toastVisible">{{ toastMsg }}</div>
+</div>

src/app/risk-review/risk-review-report.component.scss

@@ -0,0 +1,820 @@
+/**
+ * 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/.
+ */
+
+:host {
+  --r-navy: #1a237e;
+  --r-blue: #1d4ed8;
+  --r-blue-l: #eff6ff;
+  --r-green: #15803d;
+  --r-green-l: #dcfce7;
+  --r-amber: #b45309;
+  --r-amber-l: #fef3c7;
+  --r-red: #c0392b;
+  --r-red-l: #fdecea;
+  --r-violet: #6d28d9;
+  --r-violet-l: #f3e8ff;
+  --r-g50: #f8fafc;
+  --r-g100: #f1f5f9;
+  --r-g200: #e2e8f0;
+  --r-g300: #cbd5e1;
+  --r-g500: #64748b;
+  --r-g700: #334155;
+  --r-g900: #0f172a;
+
+  display: block;
+  font-family: 'DM Sans', system-ui, sans-serif;
+  background: var(--r-g50);
+  color: var(--r-g900);
+  font-size: 14px;
+  line-height: 1.5;
+}
+
+.rr-root {
+  padding: 18px 22px;
+  max-width: 1800px;
+  margin: 0 auto;
+}
+
+/* HEADER */
+.rr-head {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  gap: 16px;
+  flex-wrap: wrap;
+  margin-bottom: 14px;
+}
+
+.rr-head-left {
+  display: flex;
+  align-items: flex-start;
+  gap: 14px;
+}
+
+.rr-head-ic {
+  font-size: 26px;
+  color: var(--r-navy);
+  margin-top: 3px;
+}
+
+.rr-head-t {
+  margin: 0;
+  font-size: 18px;
+  font-weight: 700;
+}
+
+.rr-head-s {
+  font-size: 12px;
+  color: var(--r-g500);
+  max-width: 900px;
+}
+
+/* BUTTONS */
+.rr-btn {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 8px 15px;
+  border: 1px solid var(--r-g300);
+  background: #fff;
+  border-radius: 8px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--r-g700);
+  cursor: pointer;
+  font-family: inherit;
+  transition: all 0.15s;
+
+  &:hover:not(:disabled) {
+    background: var(--r-g50);
+    border-color: var(--r-g500);
+  }
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+
+  &--primary {
+    background: var(--r-green);
+    border-color: var(--r-green);
+    color: #fff;
+
+    &:hover:not(:disabled) {
+      background: #12692f;
+      border-color: #12692f;
+      color: #fff;
+    }
+  }
+
+  &--slim {
+    padding: 5px 11px;
+    font-size: 11.5px;
+    white-space: nowrap;
+  }
+}
+
+.rr-head-actions {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  flex-wrap: wrap;
+}
+
+/* BANNER */
+.rr-banner {
+  display: flex;
+  align-items: center;
+  gap: 11px;
+  border-radius: 10px;
+  padding: 10px 14px;
+  font-size: 12.5px;
+  margin-bottom: 14px;
+
+  span {
+    flex: 1;
+  }
+
+  &--sample {
+    background: var(--r-amber-l);
+    border: 1px solid #fcd34d;
+    color: #78350f;
+  }
+}
+
+/* FILTERS */
+.rr-filters {
+  background: #fff;
+  border: 1px solid var(--r-g200);
+  border-radius: 11px;
+  padding: 12px 16px;
+  margin-bottom: 14px;
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+}
+
+.rr-filter-row {
+  display: flex;
+  align-items: flex-end;
+  gap: 12px;
+  flex-wrap: wrap;
+}
+
+.rr-modes {
+  display: flex;
+  gap: 6px;
+  flex-wrap: wrap;
+}
+
+.rr-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 6px 14px;
+  border: 1px solid var(--r-g300);
+  background: #fff;
+  border-radius: 999px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--r-g700);
+  cursor: pointer;
+  font-family: inherit;
+
+  &:hover {
+    border-color: var(--r-navy);
+  }
+
+  &.active {
+    background: var(--r-navy);
+    border-color: var(--r-navy);
+    color: #fff;
+  }
+}
+
+.rr-field {
+  display: flex;
+  flex-direction: column;
+  gap: 3px;
+
+  span {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--r-g500);
+  }
+
+  input,
+  select {
+    padding: 7px 10px;
+    border: 1px solid var(--r-g300);
+    border-radius: 7px;
+    font-size: 13px;
+    font-family: inherit;
+    background: #fff;
+    color: var(--r-g900);
+
+    &:focus {
+      outline: none;
+      border-color: var(--r-navy);
+    }
+
+    &:disabled {
+      background: var(--r-g100);
+      color: var(--r-g500);
+    }
+  }
+
+  &--grow {
+    flex: 1;
+    min-width: 260px;
+
+    input {
+      width: 100%;
+    }
+  }
+}
+
+.rr-resolved {
+  font-size: 12px;
+  color: var(--r-g500);
+  padding-bottom: 8px;
+}
+
+.rr-check {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: var(--r-g700);
+  padding-bottom: 8px;
+  cursor: pointer;
+}
+
+.rr-scope-note {
+  display: flex;
+  align-items: center;
+  gap: 7px;
+  font-size: 12px;
+  color: var(--r-amber);
+  background: var(--r-amber-l);
+  border: 1px solid #fcd34d;
+  border-radius: 7px;
+  padding: 6px 11px;
+}
+
+/* LOADING */
+.rr-loading {
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  gap: 9px;
+  padding: 60px;
+  color: var(--r-g500);
+  font-size: 13px;
+  background: #fff;
+  border: 1px solid var(--r-g200);
+  border-radius: 11px;
+}
+
+/* KPIs */
+.rr-kpis {
+  display: grid;
+  grid-template-columns: repeat(4, 1fr);
+  gap: 12px;
+  margin-bottom: 14px;
+}
+
+.rr-kpi {
+  background: #fff;
+  border: 1px solid var(--r-g200);
+  border-left: 4px solid var(--r-navy);
+  border-radius: 11px;
+  padding: 12px 16px;
+
+  &--blue {
+    border-left-color: var(--r-blue);
+  }
+
+  &--amber {
+    border-left-color: var(--r-amber);
+  }
+
+  &--red {
+    border-left-color: var(--r-red);
+  }
+
+  &--dim {
+    border-left-color: var(--r-g300);
+  }
+}
+
+.rr-kpi-n {
+  font-size: 22px;
+  font-weight: 700;
+  font-family: 'DM Mono', monospace;
+}
+
+.rr-kpi-l {
+  font-size: 12px;
+  font-weight: 600;
+  color: var(--r-g700);
+}
+
+.rr-kpi-sub {
+  font-size: 11px;
+  color: var(--r-g500);
+}
+
+/* RULE MIX */
+.rr-mix {
+  display: flex;
+  align-items: center;
+  gap: 7px;
+  flex-wrap: wrap;
+  margin-bottom: 12px;
+}
+
+.rr-mix-t {
+  font-size: 10px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  color: var(--r-g500);
+  margin-right: 2px;
+}
+
+.rr-mix-item {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 4px 11px;
+  border: 1px solid var(--r-g200);
+  background: #fff;
+  border-radius: 7px;
+  font-size: 11.5px;
+  font-weight: 600;
+  color: var(--r-g700);
+  cursor: pointer;
+  font-family: inherit;
+
+  strong {
+    font-family: 'DM Mono', monospace;
+    color: var(--r-navy);
+  }
+
+  &:hover {
+    border-color: var(--r-navy);
+  }
+
+  &.active {
+    background: var(--r-navy);
+    border-color: var(--r-navy);
+    color: #fff;
+
+    strong {
+      color: #fff;
+    }
+  }
+}
+
+/* VIEW SWITCH */
+.rr-views {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-bottom: 10px;
+}
+
+.rr-spacer {
+  flex: 1;
+}
+
+.rr-count {
+  font-size: 12px;
+  color: var(--r-g500);
+  font-weight: 600;
+}
+
+/* TABLE */
+.rr-table-wrap {
+  background: #fff;
+  border: 1px solid var(--r-g200);
+  border-radius: 11px;
+  overflow-x: auto;
+}
+
+.rr-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12.5px;
+
+  th {
+    text-align: left;
+    padding: 9px 10px;
+    background: var(--r-g100);
+    font-size: 10.5px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: var(--r-g700);
+    white-space: nowrap;
+    border-bottom: 1px solid var(--r-g200);
+  }
+
+  td {
+    padding: 8px 10px;
+    border-bottom: 1px solid var(--r-g100);
+    vertical-align: top;
+  }
+
+  .num {
+    text-align: right;
+    font-family: 'DM Mono', monospace;
+  }
+
+  .strong {
+    font-weight: 700;
+  }
+
+  tbody tr:hover:not(.rr-detail) {
+    background: var(--r-g50);
+  }
+}
+
+.rr-cust {
+  cursor: pointer;
+
+  &.open {
+    background: var(--r-blue-l);
+  }
+}
+
+.rr-row--escalated {
+  background: var(--r-red-l);
+}
+
+.rr-detail {
+  background: #fcfcfe;
+
+  td {
+    padding: 12px 16px 16px;
+  }
+}
+
+.rr-subtable {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12px;
+  background: #fff;
+  border: 1px solid var(--r-g200);
+  border-radius: 8px;
+  overflow: hidden;
+
+  th {
+    text-align: left;
+    padding: 7px 10px;
+    background: var(--r-g50);
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: var(--r-g500);
+    white-space: nowrap;
+  }
+
+  td {
+    padding: 7px 10px;
+    border-top: 1px solid var(--r-g100);
+    vertical-align: top;
+  }
+
+  .num {
+    text-align: right;
+    font-family: 'DM Mono', monospace;
+  }
+
+  .strong {
+    font-weight: 700;
+  }
+}
+
+/* One alert inside an expanded customer: rule, why, entries, outcome. */
+.rr-case {
+  background: #fff;
+  border: 1px solid var(--r-g200);
+  border-radius: 9px;
+  padding: 10px 12px;
+  margin-bottom: 10px;
+
+  &:last-child {
+    margin-bottom: 0;
+  }
+}
+
+.rr-case-head {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+  margin-bottom: 6px;
+}
+
+.rr-case-id {
+  font-size: 11px;
+  color: var(--r-g500);
+}
+
+.rr-case-amt {
+  font-size: 13px;
+  font-weight: 700;
+}
+
+.rr-case-why {
+  display: flex;
+  align-items: baseline;
+  gap: 7px;
+  font-size: 11.5px;
+  color: #78350f;
+  background: var(--r-amber-l);
+  border-radius: 6px;
+  padding: 5px 10px;
+  margin-bottom: 8px;
+}
+
+.rr-case-foot {
+  display: flex;
+  align-items: baseline;
+  gap: 18px;
+  flex-wrap: wrap;
+  margin-top: 7px;
+  padding-top: 7px;
+  border-top: 1px dashed var(--r-g200);
+}
+
+.rr-case-remark {
+  font-size: 11.5px;
+  color: var(--r-g700);
+}
+
+/* Channel of a single entry */
+.rr-chan {
+  display: inline-block;
+  padding: 1px 7px;
+  border-radius: 5px;
+  font-size: 10.5px;
+  font-weight: 700;
+  background: var(--r-g100);
+  color: var(--r-g700);
+  white-space: nowrap;
+}
+
+/* Position of an entry within a multi-leg pattern alert */
+.rr-leg {
+  display: inline-block;
+  margin-left: 5px;
+  padding: 1px 7px;
+  border-radius: 5px;
+  font-size: 10px;
+  font-weight: 700;
+  background: var(--r-blue-l);
+  color: var(--r-blue);
+  white-space: nowrap;
+}
+
+.rr-leg--ctr {
+  background: var(--r-red-l);
+}
+
+.cr {
+  color: var(--r-green);
+  font-weight: 700;
+}
+
+.dr {
+  color: var(--r-red);
+  font-weight: 700;
+}
+
+/* Rule cell */
+.rr-rules-cell {
+  min-width: 230px;
+  max-width: 340px;
+}
+
+.rr-rule {
+  display: inline-block;
+  margin: 0 5px 3px 0;
+  padding: 1px 8px;
+  border-radius: 999px;
+  font-size: 10.5px;
+  font-weight: 700;
+  background: var(--r-violet-l);
+  color: var(--r-violet);
+}
+
+.rr-rule-cat {
+  display: inline-block;
+  padding: 1px 7px;
+  border-radius: 5px;
+  font-size: 10px;
+  font-weight: 700;
+  background: var(--r-g100);
+  color: var(--r-g700);
+}
+
+.rr-rule-desc {
+  font-size: 11px;
+  color: var(--r-g500);
+  margin-top: 2px;
+}
+
+.rr-suggest {
+  font-size: 11px;
+  color: var(--r-blue);
+  margin-top: 3px;
+  display: flex;
+  align-items: baseline;
+  gap: 5px;
+}
+
+.rr-by {
+  font-size: 10.5px;
+  color: var(--r-g500);
+  margin-top: 2px;
+}
+
+/* Risk rating badge */
+.rr-risk {
+  display: inline-block;
+  padding: 1px 9px;
+  border-radius: 999px;
+  font-size: 10.5px;
+  font-weight: 700;
+  white-space: nowrap;
+
+  &--low {
+    background: var(--r-green-l);
+    color: var(--r-green);
+  }
+
+  &--medium {
+    background: var(--r-amber-l);
+    color: var(--r-amber);
+  }
+
+  &--high {
+    background: var(--r-red-l);
+    color: var(--r-red);
+  }
+
+  &--none {
+    background: var(--r-g100);
+    color: var(--r-g500);
+  }
+}
+
+/* Review status badge */
+.rr-status {
+  display: inline-block;
+  padding: 1px 9px;
+  border-radius: 999px;
+  font-size: 10.5px;
+  font-weight: 700;
+  white-space: nowrap;
+
+  &--open {
+    background: var(--r-g100);
+    color: var(--r-g700);
+  }
+
+  &--progress {
+    background: var(--r-blue-l);
+    color: var(--r-blue);
+  }
+
+  &--ok {
+    background: var(--r-green-l);
+    color: var(--r-green);
+  }
+
+  &--warn {
+    background: var(--r-amber-l);
+    color: var(--r-amber);
+  }
+
+  &--danger {
+    background: var(--r-red-l);
+    color: var(--r-red);
+  }
+}
+
+/* What the report says should happen to the rating */
+.rr-verdict-cell {
+  min-width: 210px;
+  max-width: 300px;
+}
+
+.rr-verdict {
+  display: inline-block;
+  font-size: 11px;
+  font-weight: 600;
+  color: var(--r-g500);
+  white-space: nowrap;
+
+  &--up {
+    color: var(--r-amber);
+  }
+
+  /* A rating coming down is good news, not a warning. */
+  &--down {
+    color: var(--r-green);
+  }
+
+  &--str {
+    color: var(--r-red);
+    font-weight: 700;
+  }
+}
+
+.rr-verdict-why {
+  font-size: 10.5px;
+  color: var(--r-g500);
+  margin-top: 2px;
+  white-space: normal;
+}
+
+.rr-tag {
+  display: inline-block;
+  margin-left: 6px;
+  padding: 1px 7px;
+  border-radius: 999px;
+  font-size: 10px;
+  font-weight: 700;
+  background: var(--r-g100);
+  color: var(--r-g700);
+  white-space: nowrap;
+
+  &--ctr {
+    background: var(--r-red-l);
+    color: var(--r-red);
+  }
+}
+
+.mono {
+  font-family: 'DM Mono', monospace;
+  font-size: 11.5px;
+}
+
+.rr-empty {
+  padding: 44px;
+  text-align: center;
+  color: var(--r-g500);
+  font-size: 13px;
+}
+
+.rr-legend {
+  font-size: 11.5px;
+  color: var(--r-g500);
+  margin: 10px 2px 0;
+  display: flex;
+  align-items: center;
+  gap: 6px;
+  flex-wrap: wrap;
+}
+
+/* TOAST */
+.rr-toast {
+  position: fixed;
+  bottom: 32px;
+  left: 50%;
+  transform: translateX(-50%) translateY(20px);
+  background: var(--r-navy);
+  color: #fff;
+  padding: 12px 22px;
+  border-radius: 10px;
+  font-size: 13px;
+  box-shadow: 0 6px 20px rgb(0 0 0 / 25%);
+  opacity: 0;
+  pointer-events: none;
+  transition: all 0.25s;
+  z-index: 1500;
+
+  &.show {
+    opacity: 1;
+    transform: translateX(-50%) translateY(0);
+  }
+}
+
+@media (width <= 1200px) {
+  .rr-kpis {
+    grid-template-columns: 1fr 1fr;
+  }
+}

src/app/risk-review/risk-review-report.component.ts

@@ -0,0 +1,726 @@
+/**
+ * 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/.
+ */
+
+/** Angular Imports */
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { forkJoin, of } from 'rxjs';
+import { catchError, map } from 'rxjs/operators';
+
+/** Custom Modules */
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+
+/** Custom Services */
+import { AmlService } from '../aml/aml.service';
+import { ClientsService } from '../clients/clients.service';
+import { BranchScopeService } from '../core/branch-scope.service';
+
+/** Shared report helpers */
+import { exportWorkbook } from '../cashier/cashier-export';
+import { GL_BRANCHES, GL_PERIOD, glBranchName } from '../gl-reports/gl-reports-data';
+
+/** Report data + computation */
+import {
+  AML_RULE_CATALOGUE,
+  LiveAmlAlert,
+  REVIEW_STATUSES,
+  REVIEW_STATUS_META,
+  RISK_LABEL,
+  ReviewStatus,
+  RiskAlertRow,
+  RiskLevel,
+  channelLabel,
+  mapLiveAlert,
+  riskFromCategory,
+  sampleRiskAlerts
+} from './risk-review-data';
+import {
+  DateRange,
+  RatingDirection,
+  RiskAlertView,
+  RiskCustomerRow,
+  RiskReviewFilter,
+  RiskReviewModel,
+  RiskReviewSummary,
+  RiskTxnView,
+  buildRiskReview,
+  monthRange,
+  weekRange
+} from './risk-review.compute';
+
+type PeriodMode = 'day' | 'week' | 'month' | 'range';
+type ViewMode = 'customer' | 'alert' | 'txn';
+
+/** Starting value for the memo, used before the first filter pass runs. */
+const EMPTY_SUMMARY: RiskReviewSummary = {
+  customers: 0,
+  alerts: 0,
+  txns: 0,
+  ctrReportable: 0,
+  openAlerts: 0,
+  escalatedCustomers: 0,
+  upgradeCandidates: 0,
+  downgradeCandidates: 0,
+  totalAmount: 0,
+  byRisk: { LOW: 0, MEDIUM: 0, HIGH: 0, UNRATED: 0 },
+  byRule: [],
+  byStatus: []
+};
+
+/**
+ * Risk Review Report — the AML/compliance worklist.
+ *
+ * Lists the customers who tripped an AML rule in the period, the transaction
+ * that tripped it, the rating currently on their KYC record and where the
+ * review has got to. The reviewer's decision on each case is one of: keep the
+ * rating, move it, refresh KYC, or escalate to the Principal Officer for an
+ * STR — which is the vocabulary in `REVIEW_STATUS_META`.
+ *
+ * Rows come from the live rule engine. If the engine has raised nothing (or is
+ * unreachable) the report falls back to a deterministic sample set and says so
+ * on screen and in the workbook, so sample rows are never taken for live data.
+ */
+@Component({
+  selector: 'mifosx-risk-review-report',
+  templateUrl: './risk-review-report.component.html',
+  styleUrls: ['./risk-review-report.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FaIconComponent,
+    FormsModule
+  ]
+})
+export class RiskReviewReportComponent implements OnInit {
+  private aml = inject(AmlService);
+  private clients = inject(ClientsService);
+  private scope = inject(BranchScopeService);
+
+  readonly period = GL_PERIOD;
+  readonly branches = GL_BRANCHES;
+  readonly rules = AML_RULE_CATALOGUE;
+  readonly reviewStatuses = REVIEW_STATUSES;
+  readonly statusMeta = REVIEW_STATUS_META;
+  readonly riskLabel = RISK_LABEL;
+  readonly channelLabel = channelLabel;
+
+  readonly periodModes: { key: PeriodMode; label: string }[] = [
+    { key: 'day', label: 'Day wise' },
+    { key: 'week', label: 'Week wise' },
+    { key: 'month', label: 'Month wise' },
+    { key: 'range', label: 'Between dates' }
+  ];
+
+  // ── Source state ───────────────────────────────────────────────────────────
+
+  /** Rows returned by the monitoring engine, mapped onto the report shape. */
+  private liveAlerts: RiskAlertRow[] = [];
+  loading = true;
+
+  /**
+   * Live alerts and the demonstration set, in one worklist.
+   *
+   * Every row keeps its `live` flag and sample rows are tagged in the table, so
+   * a reviewer can still tell them apart at a glance.
+   */
+  private alerts: RiskAlertRow[] = [];
+
+  get hasLive(): boolean {
+    return this.liveAlerts.length > 0;
+  }
+
+  get sampleCount(): number {
+    return this.alerts.filter((a) => !a.live).length;
+  }
+
+  // ── Filter state ───────────────────────────────────────────────────────────
+
+  /**
+   * Alerts raised today must be in view, so the default window runs to whichever
+   * is later — the seeded period end or the real current date.
+   */
+  private static readonly TODAY = new Date().toISOString().slice(0, 10);
+  private static readonly WINDOW_END =
+    RiskReviewReportComponent.TODAY > GL_PERIOD.fyEnd ? RiskReviewReportComponent.TODAY : GL_PERIOD.fyEnd;
+
+  periodMode: PeriodMode = 'range';
+  filterDay = RiskReviewReportComponent.WINDOW_END;
+  /** Any date inside the wanted week; resolved to Mon–Sat. */
+  filterWeek = '2026-07-27';
+  filterMonth = '2026-07';
+  filterFrom = GL_PERIOD.fyStart;
+  filterTo = RiskReviewReportComponent.WINDOW_END;
+  branchCode = '';
+  currentRisk: RiskLevel | '' = '';
+  ruleCode = '';
+  status: ReviewStatus | '' = '';
+  /** Which way the review says the rating should move. '' shows every customer. */
+  direction: RatingDirection | '' = '';
+  search = '';
+  openOnly = false;
+
+  view: ViewMode = 'customer';
+  /** Client ID of the customer row currently expanded. */
+  expanded: number | null = null;
+
+  generating = false;
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: any;
+
+  ngOnInit(): void {
+    // A branch login opens on its own book and cannot move off it.
+    this.branchCode = this.scope.defaultBranchCode;
+    this.load();
+  }
+
+  // ── Loading ────────────────────────────────────────────────────────────────
+
+  load(): void {
+    this.loading = true;
+    this.aml
+      .getAlerts()
+      .pipe(catchError(() => of([] as LiveAmlAlert[])))
+      .subscribe((live) => {
+        const rows = (live || []).map((a) => mapLiveAlert(a as unknown as LiveAmlAlert));
+        this.liveAlerts = rows;
+        this.compose();
+        if (!rows.length) {
+          this.loading = false;
+          return;
+        }
+        this.enrichCurrentRisk(rows);
+      });
+  }
+
+  /** Live alerts first, then the demonstration set behind them. */
+  private compose(): void {
+    this.alerts = [
+      ...this.liveAlerts,
+      ...sampleRiskAlerts()
+    ];
+    this.memoKey = '';
+  }
+
+  /**
+   * The alert payload carries no rating, so the customer's current risk is read
+   * off their KYC record — one call per distinct customer, not per alert. A
+   * client whose KYC cannot be read stays unrated rather than blocking the
+   * report, so the table renders either way.
+   */
+  private enrichCurrentRisk(rows: RiskAlertRow[]): void {
+    const clientIds = [...new Set(rows.map((r) => r.clientId))].filter((id) => id != null);
+    if (!clientIds.length) {
+      this.loading = false;
+      return;
+    }
+
+    forkJoin(
+      clientIds.map((id) =>
+        this.clients.getClientKyc(String(id), true).pipe(
+          map((kyc: any) => ({ id, risk: riskFromCategory(kyc?.riskCategory) })),
+          catchError(() => of({ id, risk: null as RiskLevel | null }))
+        )
+      )
+    ).subscribe((results) => {
+      const byClient = new Map(
+        results.map((r) => [
+          r.id,
+          r.risk
+        ])
+      );
+      this.liveAlerts = rows.map((r) => ({ ...r, currentRisk: byClient.get(r.clientId) ?? null }));
+      this.compose();
+      this.loading = false;
+    });
+  }
+
+  // ── Filter resolution ──────────────────────────────────────────────────────
+
+  get range(): DateRange {
+    if (this.periodMode === 'day') {
+      return { from: this.filterDay, to: this.filterDay };
+    }
+    if (this.periodMode === 'week') {
+      return weekRange(this.filterWeek);
+    }
+    if (this.periodMode === 'month') {
+      return monthRange(this.filterMonth);
+    }
+    return { from: this.filterFrom, to: this.filterTo };
+  }
+
+  get rangeLabel(): string {
+    const r = this.range;
+    return r.from === r.to ? r.from : `${r.from} to ${r.to}`;
+  }
+
+  get canSelectBranch(): boolean {
+    return this.scope.canSelectBranch;
+  }
+
+  get branchLabel(): string {
+    return this.scope.scopeLabel(this.branchCode);
+  }
+
+  /**
+   * Applied at the data boundary rather than only in the UI, so a branch login
+   * cannot widen its own scope by tampering with component state.
+   */
+  private get effectiveBranch(): string {
+    return this.scope.enforce(this.branchCode);
+  }
+
+  private get filter(): RiskReviewFilter {
+    return {
+      range: this.range,
+      branchCode: this.effectiveBranch,
+      currentRisk: this.currentRisk,
+      ruleCode: this.ruleCode,
+      status: this.status,
+      direction: this.direction,
+      search: this.search,
+      openOnly: this.openOnly
+    };
+  }
+
+  resetFilters(): void {
+    this.periodMode = 'range';
+    this.filterDay = RiskReviewReportComponent.WINDOW_END;
+    this.filterWeek = '2026-07-27';
+    this.filterMonth = '2026-07';
+    this.filterFrom = GL_PERIOD.fyStart;
+    this.filterTo = RiskReviewReportComponent.WINDOW_END;
+    this.currentRisk = '';
+    this.ruleCode = '';
+    this.status = '';
+    this.direction = '';
+    this.search = '';
+    this.openOnly = false;
+    this.expanded = null;
+    // Reset returns a branch login to its own branch, never to "all".
+    this.branchCode = this.scope.defaultBranchCode;
+  }
+
+  // ── Data ───────────────────────────────────────────────────────────────────
+
+  /**
+   * The whole screen reads from one computed model. Change detection hits these
+   * getters many times per cycle, so the result is memoised against the filter
+   * rather than re-filtering thousands of rows on every binding.
+   */
+  private memoKey = '';
+  private memo: RiskReviewModel = { alerts: [], customers: [], txns: [], summary: EMPTY_SUMMARY };
+
+  private get model(): RiskReviewModel {
+    const key = JSON.stringify(this.filter) + `|${this.alerts.length}`;
+    if (key !== this.memoKey) {
+      this.memo = buildRiskReview(this.alerts, this.filter);
+      this.memoKey = key;
+    }
+    return this.memo;
+  }
+
+  get alertRows(): RiskAlertView[] {
+    return this.model.alerts;
+  }
+
+  get customerRows(): RiskCustomerRow[] {
+    return this.model.customers;
+  }
+
+  get txnRows(): RiskTxnView[] {
+    return this.model.txns;
+  }
+
+  get summary(): RiskReviewSummary {
+    return this.model.summary;
+  }
+
+  toggle(clientId: number): void {
+    this.expanded = this.expanded === clientId ? null : clientId;
+  }
+
+  /** One-click drill from the rule mix strip into that rule. */
+  toggleRule(code: string): void {
+    this.ruleCode = this.ruleCode === code ? '' : code;
+    this.expanded = null;
+  }
+
+  // ── Presentation helpers ───────────────────────────────────────────────────
+
+  riskClass(level: RiskLevel | null): string {
+    return level ? `rr-risk rr-risk--${level.toLowerCase()}` : 'rr-risk rr-risk--none';
+  }
+
+  riskText(level: RiskLevel | null): string {
+    return level ? RISK_LABEL[level] : 'Unrated';
+  }
+
+  statusClass(status: ReviewStatus): string {
+    return `rr-status rr-status--${REVIEW_STATUS_META[status].tone}`;
+  }
+
+  /** What the review concludes should happen to the rating, in one phrase. */
+  verdictText(c: RiskCustomerRow): string {
+    if (c.escalated) {
+      return 'Escalated to STR';
+    }
+    if (c.direction === 'up') {
+      return `Review upward → ${RISK_LABEL[c.recommendedRisk]}`;
+    }
+    if (c.direction === 'down') {
+      return `Review downward → ${RISK_LABEL[c.recommendedRisk]}`;
+    }
+    return 'Within current rating';
+  }
+
+  verdictClass(c: RiskCustomerRow): string {
+    if (c.escalated) {
+      return 'rr-verdict rr-verdict--str';
+    }
+    if (c.direction === 'up') {
+      return 'rr-verdict rr-verdict--up';
+    }
+    if (c.direction === 'down') {
+      return 'rr-verdict rr-verdict--down';
+    }
+    return 'rr-verdict';
+  }
+
+  /** Transaction detail as the reviewer would read it in one line. */
+  txnDetail(a: RiskAlertView): string {
+    const amount = `₹${a.amount.toLocaleString('en-IN')}`;
+    if (a.txnCount > 1) {
+      return `${a.txnCount} × ${channelLabel(a.channel)} aggregating ${amount}`;
+    }
+    return `${channelLabel(a.channel)} of ${amount}`;
+  }
+
+  // ── Excel ──────────────────────────────────────────────────────────────────
+
+  async exportExcel(): Promise<void> {
+    this.generating = true;
+    try {
+      const s = this.summary;
+      const subtitle =
+        `Period: ${this.rangeLabel}   ·   Branch: ${this.branchLabel}   ·   ` +
+        `Source: live AML monitoring engine` +
+        (this.sampleCount ? ` + ${this.sampleCount} DEMONSTRATION rows (not compliance data)` : '');
+
+      await exportWorkbook(
+        [
+          {
+            sheetName: 'Summary',
+            title: 'Risk Review Report — Summary',
+            subtitle,
+            headers: [
+              'Particulars',
+              'Value'
+            ],
+            widths: [
+              56,
+              22
+            ],
+            rows: [
+              [
+                'Customers flagged for risk review',
+                String(s.customers)
+              ],
+              [
+                'AML alerts triggered',
+                String(s.alerts)
+              ],
+              [
+                'Transactions behind those alerts',
+                String(s.txns)
+              ],
+              [
+                '  of which cash entries at or above the ₹10,00,000 CTR limit',
+                String(s.ctrReportable)
+              ],
+              [
+                'Alerts still awaiting a reviewer decision',
+                String(s.openAlerts)
+              ],
+              [
+                'Customers rated below what the triggered rules point at (review upward)',
+                String(s.upgradeCandidates)
+              ],
+              [
+                'Customers rated above what the period’s activity warrants (review downward)',
+                String(s.downgradeCandidates)
+              ],
+              [
+                'Customers escalated to the Principal Officer (STR)',
+                String(s.escalatedCustomers)
+              ],
+              [
+                'Total transaction value under review',
+                s.totalAmount
+              ],
+              [
+                '',
+                ''
+              ],
+              [
+                'Customers currently rated Low',
+                String(s.byRisk.LOW)
+              ],
+              [
+                'Customers currently rated Medium',
+                String(s.byRisk.MEDIUM)
+              ],
+              [
+                'Customers currently rated High',
+                String(s.byRisk.HIGH)
+              ],
+              [
+                'Customers with no rating on record',
+                String(s.byRisk.UNRATED)
+              ]
+            ]
+          },
+          {
+            sheetName: 'Rules triggered',
+            title: 'Risk Review Report — AML Rules Triggered',
+            subtitle,
+            headers: [
+              'AML Rule Triggered',
+              'Category',
+              'Alerts',
+              'What the rule looks for',
+              'Action expected of the reviewer'
+            ],
+            widths: [
+              34,
+              14,
+              10,
+              62,
+              62
+            ],
+            rows: s.byRule.map((r) => {
+              const meta = AML_RULE_CATALOGUE.find((m) => m.code === r.code);
+              return [
+                r.label,
+                meta?.category ?? '—',
+                r.count,
+                meta?.description ?? '—',
+                meta?.suggestedAction ?? '—'
+              ];
+            })
+          },
+          {
+            sheetName: 'Customer wise',
+            title: 'Risk Review Report — Customer wise',
+            subtitle,
+            headers: [
+              'Customer ID',
+              'Customer Name',
+              'Account Number',
+              'Branch',
+              'Current Risk',
+              'Alerts',
+              'AML Rules Triggered',
+              'Total Amount',
+              'Largest Alert',
+              'First Alert',
+              'Last Alert',
+              'Rules Point At',
+              'Recommended Risk',
+              'Open Cases',
+              'Position',
+              'Basis'
+            ],
+            widths: [
+              13,
+              28,
+              20,
+              16,
+              13,
+              8,
+              46,
+              16,
+              16,
+              12,
+              12,
+              14,
+              16,
+              11,
+              24,
+              70
+            ],
+            rows: this.customerRows.map((c) => [
+              String(c.clientId),
+              c.customerName,
+              c.accountNo || '—',
+              c.branchCode ? glBranchName(c.branchCode) : '—',
+              this.riskText(c.currentRisk),
+              c.alertCount,
+              c.ruleLabels.join('; '),
+              c.totalAmount,
+              c.largestAmount,
+              c.firstAlertDate,
+              c.lastAlertDate,
+              RISK_LABEL[c.proposedRisk],
+              RISK_LABEL[c.recommendedRisk],
+              c.openCount,
+              this.verdictText(c),
+              c.directionReason || '—'
+            ])
+          },
+          {
+            sheetName: 'Alert wise',
+            title: 'Risk Review Report — Alert wise',
+            subtitle,
+            headers: [
+              'Alert ID',
+              'Alert Date',
+              'Customer ID',
+              'Customer Name',
+              'Account Number',
+              'Branch',
+              'Current Risk',
+              'Transaction Details',
+              'AML Rule Triggered',
+              'Rule Category',
+              'Amount',
+              'Review Status',
+              'Reviewed By',
+              'Reviewer Remarks',
+              'Action Expected'
+            ],
+            widths: [
+              11,
+              12,
+              13,
+              28,
+              20,
+              16,
+              13,
+              38,
+              32,
+              14,
+              16,
+              22,
+              16,
+              60,
+              60
+            ],
+            rows: this.alertRows.map((a) => [
+              a.alertId,
+              a.alertDate,
+              String(a.clientId),
+              a.customerName,
+              a.accountNo || '—',
+              a.branchCode ? glBranchName(a.branchCode) : '—',
+              this.riskText(a.currentRisk),
+              this.txnDetail(a),
+              a.rule.label,
+              a.rule.category,
+              a.amount,
+              REVIEW_STATUS_META[a.status].label,
+              a.reviewedBy || '—',
+              a.remarks || '—',
+              a.rule.suggestedAction
+            ])
+          },
+          {
+            sheetName: 'Transaction wise',
+            title: 'Risk Review Report — Transaction wise (rule triggered by each entry)',
+            subtitle,
+            headers: [
+              'Txn Date',
+              'Txn ID',
+              'Customer ID',
+              'Customer Name',
+              'Account Number',
+              'Branch',
+              'Current Risk',
+              'Channel',
+              'Dr/Cr',
+              'Amount',
+              'Balance After',
+              'Narration',
+              'Counterparty',
+              'AML Rule Triggered',
+              'Rule Category',
+              'Leg',
+              'Alert ID',
+              'Alert Date',
+              'Review Status',
+              'CTR'
+            ],
+            widths: [
+              12,
+              12,
+              13,
+              28,
+              20,
+              16,
+              13,
+              18,
+              7,
+              16,
+              16,
+              32,
+              38,
+              32,
+              14,
+              9,
+              11,
+              12,
+              22,
+              7
+            ],
+            rows: this.txnRows.map((t) => [
+              t.date,
+              t.txnId,
+              String(t.clientId),
+              t.customerName,
+              t.accountNo || '—',
+              t.branchCode ? glBranchName(t.branchCode) : '—',
+              this.riskText(t.currentRisk),
+              channelLabel(t.channel),
+              t.drCr,
+              t.amount,
+              t.balanceAfter || null,
+              t.narration || '—',
+              t.counterparty || '—',
+              t.rule.label,
+              t.rule.category,
+              t.legCount > 1 ? `${t.legIndex} of ${t.legCount}` : '—',
+              t.alertId,
+              t.alertDate,
+              REVIEW_STATUS_META[t.status].label,
+              t.ctrReportable ? 'Yes' : ''
+            ])
+          }
+        ],
+        `Risk-Review-Report-${this.range.from}-to-${this.range.to}`
+      );
+
+      this.toast(
+        `Exported ${s.txns} transactions across ${s.alerts} alerts and ${s.customers} customers for ${this.rangeLabel}`
+      );
+    } catch {
+      this.toast('Could not generate the workbook — please retry');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    if (this.toastTimer) {
+      clearTimeout(this.toastTimer);
+    }
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
+}

src/app/risk-review/risk-review.compute.ts

@@ -0,0 +1,489 @@
+/**
+ * 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 {
+  AmlRuleMeta,
+  CTR_THRESHOLD,
+  MATERIALITY,
+  NON_MITIGABLE_RULES,
+  REVIEW_STATUS_META,
+  RISK_LABEL,
+  RiskAlertRow,
+  RiskLevel,
+  RiskTxn,
+  ReviewStatus,
+  amlRuleMeta,
+  riskRank
+} from './risk-review-data';
+
+/** Which way the review says the rating should move. */
+export type RatingDirection = 'up' | 'down' | 'same';
+
+const RANK_TO_LEVEL: Record<number, RiskLevel> = { 1: 'LOW', 2: 'MEDIUM', 3: 'HIGH' };
+
+export interface DateRange {
+  from: string;
+  to: string;
+}
+
+export interface RiskReviewFilter {
+  range: DateRange;
+  /** '' means every branch. */
+  branchCode: string;
+  /** '' means every rating. */
+  currentRisk: RiskLevel | '';
+  /** '' means every rule. */
+  ruleCode: string;
+  /** '' means every review status. */
+  status: ReviewStatus | '';
+  /** '' means every customer, whichever way their rating should move. */
+  direction: RatingDirection | '';
+  /** Free text over customer name, customer ID, account number and alert ID. */
+  search: string;
+  /** Only cases a reviewer still has to act on. */
+  openOnly: boolean;
+}
+
+/** An alert joined to its rule catalogue entry, ready to render. */
+export interface RiskAlertView extends RiskAlertRow {
+  rule: AmlRuleMeta;
+}
+
+/**
+ * One transaction carrying the alert and rule it belongs to.
+ *
+ * This is the row that answers "which AML rule did this transaction trip" —
+ * the alert is flattened onto each of its entries so the same transaction can
+ * be read on its own, without expanding a customer first.
+ */
+export interface RiskTxnView extends RiskTxn {
+  alertId: string;
+  alertDate: string;
+  clientId: number;
+  customerName: string;
+  accountNo: string;
+  branchCode: string;
+  currentRisk: RiskLevel | null;
+  status: ReviewStatus;
+  remarks: string;
+  rule: AmlRuleMeta;
+  /** Position of this entry within its alert, e.g. "2 of 7" for a series. */
+  legIndex: number;
+  legCount: number;
+}
+
+/** All of one customer's alerts in the period, rolled up. */
+export interface RiskCustomerRow {
+  clientId: number;
+  customerName: string;
+  accountNo: string;
+  branchCode: string;
+  currentRisk: RiskLevel | null;
+  alerts: RiskAlertView[];
+  alertCount: number;
+  /** Sum of the amounts behind the alerts — the exposure under review. */
+  totalAmount: number;
+  largestAmount: number;
+  /** Highest risk any of the triggered rules points at, before materiality. */
+  proposedRisk: RiskLevel;
+  /** What the review concludes the rating should be, after materiality. */
+  recommendedRisk: RiskLevel;
+  /** Whether that is above, below or the same as the rating on record. */
+  direction: RatingDirection;
+  /** One line explaining the recommendation, shown under the verdict. */
+  directionReason: string;
+  /** Distinct rule labels, for the "AML Rule Triggered" cell. */
+  ruleLabels: string[];
+  /** Earliest and latest alert in the period. */
+  firstAlertDate: string;
+  lastAlertDate: string;
+  openCount: number;
+  /** True when any alert on the customer has gone to the Principal Officer. */
+  escalated: boolean;
+  /** True when the rules point above the rating currently on the KYC record. */
+  needsUpgrade: boolean;
+  /** True when the rating on record is higher than the activity warrants. */
+  needsDowngrade: boolean;
+}
+
+export interface RiskReviewSummary {
+  customers: number;
+  alerts: number;
+  /** Individual entries behind those alerts. */
+  txns: number;
+  /** Cash entries at or above the CTR limit on their own. */
+  ctrReportable: number;
+  openAlerts: number;
+  escalatedCustomers: number;
+  upgradeCandidates: number;
+  downgradeCandidates: number;
+  totalAmount: number;
+  byRisk: Record<'LOW' | 'MEDIUM' | 'HIGH' | 'UNRATED', number>;
+  /** Rule mix across the filtered set, most-triggered first. */
+  byRule: { code: string; label: string; count: number }[];
+  byStatus: { status: ReviewStatus; label: string; count: number }[];
+}
+
+function inRange(date: string, range: DateRange): boolean {
+  return date >= range.from && date <= range.to;
+}
+
+function inr(n: number): string {
+  return `₹${Math.round(n).toLocaleString('en-IN')}`;
+}
+
+/**
+ * Works out what the rating ought to be once the size of the activity is taken
+ * into account, and why.
+ *
+ * The rules give an upper bound — what the behaviour could mean at worst. The
+ * amounts then pull that bound down: a customer sitting at High who has only put
+ * a handful of small transfers through has not behaved like a High-risk customer
+ * this period, and the review should say so. Two things stop the pull-down: a
+ * case already referred for an STR, and rules whose seriousness has nothing to
+ * do with value — a sanctions match or a structuring pattern stays grave at any
+ * amount.
+ */
+function recommendRating(
+  impliedRank: number,
+  currentRisk: RiskLevel | null,
+  largestAmount: number,
+  totalAmount: number,
+  escalated: boolean,
+  ruleCodes: string[]
+): { risk: RiskLevel; reason: string } {
+  const implied = RANK_TO_LEVEL[impliedRank] ?? 'LOW';
+  const grave = ruleCodes.find((c) => NON_MITIGABLE_RULES.has(c));
+  const material = largestAmount >= CTR_THRESHOLD || totalAmount >= MATERIALITY.highTotal;
+  const small = largestAmount < MATERIALITY.smallTxn && totalAmount < MATERIALITY.smallTotal;
+
+  // What the rating should be. Amounts only ever pull the rules' bound down, and
+  // only where nothing weightier holds it up.
+  let risk: RiskLevel;
+  let basis: 'escalated' | 'grave' | 'material' | 'small' | 'moderate';
+  if (escalated) {
+    risk = 'HIGH';
+    basis = 'escalated';
+  } else if (grave) {
+    risk = implied;
+    basis = 'grave';
+  } else if (material) {
+    risk = implied;
+    basis = 'material';
+  } else {
+    risk = RANK_TO_LEVEL[Math.min(impliedRank, small ? 1 : 2)] ?? 'LOW';
+    basis = small ? 'small' : 'moderate';
+  }
+
+  // The wording is worked out from the conclusion, not the branch, so a customer
+  // being brought down is never told the activity supports where they are.
+  const sizes = `largest entry ${inr(largestAmount)}, ${inr(totalAmount)} in total`;
+  const rated = currentRisk ? `Rated ${RISK_LABEL[currentRisk]} on record` : 'No rating on record';
+  const delta = currentRisk ? riskRank(risk) - riskRank(currentRisk) : 0;
+
+  if (basis === 'escalated') {
+    return { risk, reason: 'Case referred to the Principal Officer — rating held at High pending the outcome.' };
+  }
+
+  if (delta < 0) {
+    if (basis === 'small') {
+      return { risk, reason: `Only small-value activity — ${sizes}. ${rated}; not supported by this period.` };
+    }
+    if (basis === 'moderate') {
+      return { risk, reason: `Moderate activity — ${sizes}. ${rated}; one step down is proportionate.` };
+    }
+    // Material or grave, yet still below where the customer sits: the size of
+    // the activity is not the reason, the rules that fired are.
+    return {
+      risk,
+      reason:
+        `Activity of ${inr(totalAmount)} is material, but the rules triggered point only at ${RISK_LABEL[risk]}. ` +
+        `${rated}.`
+    };
+  }
+
+  if (delta > 0) {
+    return { risk, reason: `Triggered rules point at ${RISK_LABEL[risk]}, above the rating on record.` };
+  }
+
+  if (basis === 'grave') {
+    return {
+      risk,
+      reason: `${amlRuleMeta(grave as string).label} carries its own weight — the rating does not come down on amount alone.`
+    };
+  }
+
+  return { risk, reason: '' };
+}
+
+/** Applies every filter and joins each alert to its rule. */
+export function riskAlertViews(alerts: RiskAlertRow[], filter: RiskReviewFilter): RiskAlertView[] {
+  const needle = filter.search.trim().toLowerCase();
+
+  return alerts
+    .filter((a) => {
+      if (!inRange(a.alertDate, filter.range)) {
+        return false;
+      }
+      // A live alert carries no branch; hiding it under a branch filter would
+      // silently drop real compliance data, so it stays visible.
+      if (filter.branchCode && a.branchCode && a.branchCode !== filter.branchCode) {
+        return false;
+      }
+      if (filter.currentRisk && a.currentRisk !== filter.currentRisk) {
+        return false;
+      }
+      if (filter.ruleCode && a.ruleCode !== filter.ruleCode) {
+        return false;
+      }
+      if (filter.status && a.status !== filter.status) {
+        return false;
+      }
+      if (filter.openOnly && !REVIEW_STATUS_META[a.status].open) {
+        return false;
+      }
+      if (needle) {
+        const hay = `${a.customerName} ${a.clientId} ${a.accountNo} ${a.alertId} ${a.ruleCode}`.toLowerCase();
+        if (!hay.includes(needle)) {
+          return false;
+        }
+      }
+      return true;
+    })
+    .map((a) => ({ ...a, rule: amlRuleMeta(a.ruleCode, a.ruleDescription) }))
+    .sort((a, b) => b.alertDate.localeCompare(a.alertDate) || a.customerName.localeCompare(b.customerName));
+}
+
+/**
+ * Rolls the alerts up per customer. Sorted so the cases needing attention —
+ * escalated, then rated below what the rules point at, then most alerts —
+ * come to the top of the worklist.
+ */
+export function riskCustomerRows(views: RiskAlertView[]): RiskCustomerRow[] {
+  const byClient = new Map<number, RiskAlertView[]>();
+  for (const v of views) {
+    const list = byClient.get(v.clientId);
+    if (list) {
+      list.push(v);
+    } else {
+      byClient.set(v.clientId, [v]);
+    }
+  }
+
+  const rows: RiskCustomerRow[] = [];
+  for (const [
+    clientId,
+    alerts
+  ] of byClient) {
+    const dates = alerts.map((a) => a.alertDate).sort();
+    const proposedRank = Math.max(...alerts.map((a) => riskRank(a.rule.impliedRisk)));
+    const proposedRisk: RiskLevel = RANK_TO_LEVEL[proposedRank] ?? 'LOW';
+    const head = alerts[0];
+
+    const currentRisk = alerts.find((a) => a.currentRisk)?.currentRisk ?? null;
+    const totalAmount = alerts.reduce((s, a) => s + a.amount, 0);
+    const largestAmount = Math.max(...alerts.map((a) => a.amount));
+    const escalated = alerts.some((a) => a.status === 'ESCALATED_STR' || a.status === 'STR_FILED');
+
+    const recommendation = recommendRating(
+      proposedRank,
+      currentRisk,
+      largestAmount,
+      totalAmount,
+      escalated,
+      alerts.map((a) => a.ruleCode)
+    );
+
+    // Where the customer carries no rating there is nothing to move, so an
+    // unrated customer is never counted as an upgrade or a downgrade.
+    const delta = currentRisk ? riskRank(recommendation.risk) - riskRank(currentRisk) : 0;
+    const direction: RatingDirection = delta > 0 ? 'up' : delta < 0 ? 'down' : 'same';
+
+    rows.push({
+      clientId,
+      customerName: head.customerName,
+      // Take the first non-blank — live alerts leave these empty.
+      accountNo: alerts.find((a) => a.accountNo)?.accountNo || '',
+      branchCode: alerts.find((a) => a.branchCode)?.branchCode || '',
+      currentRisk,
+      alerts,
+      alertCount: alerts.length,
+      totalAmount,
+      largestAmount,
+      proposedRisk,
+      recommendedRisk: recommendation.risk,
+      direction,
+      directionReason: recommendation.reason,
+      ruleLabels: [...new Set(alerts.map((a) => a.rule.label))],
+      firstAlertDate: dates[0],
+      lastAlertDate: dates[dates.length - 1],
+      openCount: alerts.filter((a) => REVIEW_STATUS_META[a.status].open).length,
+      escalated,
+      needsUpgrade: direction === 'up',
+      needsDowngrade: direction === 'down'
+    });
+  }
+
+  // Escalations first, then ratings that need moving up, then down, then volume.
+  return rows.sort(
+    (a, b) =>
+      Number(b.escalated) - Number(a.escalated) ||
+      Number(b.needsUpgrade) - Number(a.needsUpgrade) ||
+      Number(b.needsDowngrade) - Number(a.needsDowngrade) ||
+      b.alertCount - a.alertCount ||
+      b.totalAmount - a.totalAmount
+  );
+}
+
+/**
+ * Restricts the alerts to customers whose rating should move a given way.
+ *
+ * Direction is a property of the customer, not of a single alert, so it can only
+ * be applied once the rollup has run — the alert and transaction views are then
+ * narrowed to the same customers so all three views agree.
+ */
+export function applyDirectionFilter(
+  views: RiskAlertView[],
+  customers: RiskCustomerRow[],
+  direction: RatingDirection | ''
+): { views: RiskAlertView[]; customers: RiskCustomerRow[] } {
+  if (!direction) {
+    return { views, customers };
+  }
+  const keep = customers.filter((c) => c.direction === direction);
+  const ids = new Set(keep.map((c) => c.clientId));
+  return { views: views.filter((v) => ids.has(v.clientId)), customers: keep };
+}
+
+/**
+ * Flattens every alert onto its transactions, newest entry first, so each row
+ * names the rule that transaction tripped.
+ */
+export function riskTxnRows(views: RiskAlertView[]): RiskTxnView[] {
+  const rows: RiskTxnView[] = [];
+
+  for (const v of views) {
+    v.txns.forEach((t, i) => {
+      rows.push({
+        ...t,
+        alertId: v.alertId,
+        alertDate: v.alertDate,
+        clientId: v.clientId,
+        customerName: v.customerName,
+        accountNo: v.accountNo,
+        branchCode: v.branchCode,
+        currentRisk: v.currentRisk,
+        status: v.status,
+        remarks: v.remarks,
+        rule: v.rule,
+        legIndex: i + 1,
+        legCount: v.txns.length
+      });
+    });
+  }
+
+  return rows.sort((a, b) => b.date.localeCompare(a.date) || a.txnId.localeCompare(b.txnId));
+}
+
+export function riskReviewSummary(views: RiskAlertView[], customers: RiskCustomerRow[]): RiskReviewSummary {
+  const byRisk: RiskReviewSummary['byRisk'] = { LOW: 0, MEDIUM: 0, HIGH: 0, UNRATED: 0 };
+  for (const c of customers) {
+    byRisk[c.currentRisk ?? 'UNRATED']++;
+  }
+
+  const ruleCounts = new Map<string, { label: string; count: number }>();
+  for (const v of views) {
+    const entry = ruleCounts.get(v.ruleCode);
+    if (entry) {
+      entry.count++;
+    } else {
+      ruleCounts.set(v.ruleCode, { label: v.rule.label, count: 1 });
+    }
+  }
+
+  const statusCounts = new Map<ReviewStatus, number>();
+  for (const v of views) {
+    statusCounts.set(v.status, (statusCounts.get(v.status) || 0) + 1);
+  }
+
+  return {
+    customers: customers.length,
+    alerts: views.length,
+    txns: views.reduce((s, v) => s + v.txns.length, 0),
+    ctrReportable: views.reduce((s, v) => s + v.txns.filter((t) => t.ctrReportable).length, 0),
+    openAlerts: views.filter((v) => REVIEW_STATUS_META[v.status].open).length,
+    escalatedCustomers: customers.filter((c) => c.escalated).length,
+    upgradeCandidates: customers.filter((c) => c.needsUpgrade).length,
+    downgradeCandidates: customers.filter((c) => c.needsDowngrade).length,
+    totalAmount: views.reduce((s, v) => s + v.amount, 0),
+    byRisk,
+    byRule: [...ruleCounts.entries()]
+      .map(
+        ([
+          code,
+          v
+        ]) => ({ code, label: v.label, count: v.count })
+      )
+      .sort((a, b) => b.count - a.count),
+    byStatus: [...statusCounts.entries()]
+      .map(
+        ([
+          status,
+          count
+        ]) => ({ status, label: REVIEW_STATUS_META[status].label, count })
+      )
+      .sort((a, b) => b.count - a.count)
+  };
+}
+
+/** Everything the screen renders, computed in one pass. */
+export interface RiskReviewModel {
+  alerts: RiskAlertView[];
+  customers: RiskCustomerRow[];
+  txns: RiskTxnView[];
+  summary: RiskReviewSummary;
+}
+
+/**
+ * Single entry point for the screen. Filtering, rollup, direction narrowing and
+ * the summary all run once per filter change rather than once per template
+ * binding, which matters because every view reads from the same result.
+ */
+export function buildRiskReview(alerts: RiskAlertRow[], filter: RiskReviewFilter): RiskReviewModel {
+  const base = riskAlertViews(alerts, filter);
+  const narrowed = applyDirectionFilter(base, riskCustomerRows(base), filter.direction);
+
+  return {
+    alerts: narrowed.views,
+    customers: narrowed.customers,
+    txns: riskTxnRows(narrowed.views),
+    summary: riskReviewSummary(narrowed.views, narrowed.customers)
+  };
+}
+
+// ── Period helpers (shared with the other period-filtered reports) ───────────
+
+/** Monday to Saturday containing the given date. */
+export function weekRange(anyDateInWeek: string): DateRange {
+  const d = new Date(`${anyDateInWeek}T00:00:00Z`);
+  const dow = d.getUTCDay();
+  const backToMonday = dow === 0 ? 6 : dow - 1;
+  const monday = new Date(d.getTime() - backToMonday * 86400000);
+  const saturday = new Date(monday.getTime() + 5 * 86400000);
+  return { from: monday.toISOString().slice(0, 10), to: saturday.toISOString().slice(0, 10) };
+}
+
+/** First to last day of the given yyyy-MM. */
+export function monthRange(month: string): DateRange {
+  const [
+    y,
+    m
+  ] = month.split('-').map(Number);
+  const last = new Date(Date.UTC(y, m, 0)).getUTCDate();
+  return { from: `${month}-01`, to: `${month}-${String(last).padStart(2, '0')}` };
+}

src/app/shared/icons.module.ts

@@ -24,6 +24,7 @@ import {
   faCalendar,
   faCalendarAlt,
   faCaretDown,
+  faCaretRight,
   faChartBar,
   faCheck,
   faCheckCircle,
@@ -52,6 +53,7 @@ import {
   faFileUpload,
   faFileWord,
   faFillDrip,
+  faGavel,
   faGlobe,
   faHandHoldingUsd,
   faHome,
@@ -261,6 +263,7 @@ export class IconsModule {
       faCalendarAlt,
       faCalendarCheck,
       faCaretDown,
+      faCaretRight,
       faChartBar,
       faCheck,
       faCheckCircle,
@@ -295,6 +298,7 @@ export class IconsModule {
       faFileExcel,
       faFileExport,
       faFillDrip,
+      faGavel,
       faGlobe,
       faHandHoldingHand,
       faHandHoldingHeart,

src/app/tasks/checker-inbox-and-tasks/checker-inbox-and-tasks.component.html

@@ -20,195 +20,143 @@
     </div>
   </div>
 
-  <!-- Pill-style tab navigation -->
+  <!-- Pill-style tab navigation — wraps onto multiple rows so every section stays visible and
-  <nav mat-tab-nav-bar class="ac-tabs" [tabPanel]="tabPanel">
+       clickable at once, instead of being hidden behind prev/next scroll arrows. -->
+  <nav class="ac-tabs">
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./checker-inbox']"
+      routerLink="./checker-inbox"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #checkerInbox="routerLinkActive"
-      [active]="checkerInbox.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="inbox" class="ac-tab__ic"></fa-icon>
       <span>Checker Inbox</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./client-approval']"
+      routerLink="./client-approval"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #clientApproval="routerLinkActive"
-      [active]="clientApproval.isActive"
       *mifosxHasPermission="'READ_CLIENT'"
     >
       <fa-icon icon="user-check" class="ac-tab__ic"></fa-icon>
       <span>Client Approval</span>
     </a>
-    <a
+    <a class="ac-tab" routerLink="./loan-approval" routerLinkActive="ac-tab--active" *mifosxHasPermission="'READ_LOAN'">
-      mat-tab-link
-      class="ac-tab"
-      [routerLink]="['./loan-approval']"
-      routerLinkActive
-      #loanApproval="routerLinkActive"
-      [active]="loanApproval.isActive"
-      *mifosxHasPermission="'READ_LOAN'"
-    >
       <fa-icon icon="hand-holding-usd" class="ac-tab__ic"></fa-icon>
       <span>Loan Approval</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./loan-disbursal']"
+      routerLink="./loan-disbursal"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #loanDisbursal="routerLinkActive"
-      [active]="loanDisbursal.isActive"
       *mifosxHasPermission="'READ_LOAN'"
     >
       <fa-icon icon="money-bill-wave" class="ac-tab__ic"></fa-icon>
       <span>Loan Disbursal</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./reschedule-loan']"
+      routerLink="./reschedule-loan"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #rescheduleLoan="routerLinkActive"
-      [active]="rescheduleLoan.isActive"
       *mifosxHasPermission="'RESCHEDULE_LOAN'"
     >
       <fa-icon icon="calendar-alt" class="ac-tab__ic"></fa-icon>
       <span>Reschedule Loan</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./pending-account']"
+      routerLink="./pending-account"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #pendingAccount="routerLinkActive"
-      [active]="pendingAccount.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="hourglass-half" class="ac-tab__ic"></fa-icon>
       <span>Pending Account</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./pending-savings-products']"
+      routerLink="./pending-savings-products"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #pendingSavingsProducts="routerLinkActive"
-      [active]="pendingSavingsProducts.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="piggy-bank" class="ac-tab__ic"></fa-icon>
       <span>Pending Product Edits</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./pending-savings-account-edits']"
+      routerLink="./pending-savings-account-edits"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #pendingSavingsAccountEdits="routerLinkActive"
-      [active]="pendingSavingsAccountEdits.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="edit" class="ac-tab__ic"></fa-icon>
       <span>Pending Account Edits</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./pending-share-account-edits']"
+      routerLink="./pending-share-account-edits"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #pendingShareAccountEdits="routerLinkActive"
-      [active]="pendingShareAccountEdits.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="edit" class="ac-tab__ic"></fa-icon>
       <span>Pending Share Account Edits</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./pending-client-edits']"
+      routerLink="./pending-client-edits"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #pendingClientEdits="routerLinkActive"
-      [active]="pendingClientEdits.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="edit" class="ac-tab__ic"></fa-icon>
       <span>Pending Client Edits</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./rejected-account']"
+      routerLink="./rejected-account"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #rejectedAccount="routerLinkActive"
-      [active]="rejectedAccount.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="ban" class="ac-tab__ic"></fa-icon>
       <span>Reject Account</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./terminated-account']"
+      routerLink="./terminated-account"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #terminatedAccount="routerLinkActive"
-      [active]="terminatedAccount.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="times-circle" class="ac-tab__ic"></fa-icon>
       <span>Terminated Account</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./withdrawal-requests']"
+      routerLink="./withdrawal-requests"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #withdrawalRequests="routerLinkActive"
-      [active]="withdrawalRequests.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="money-bill-wave" class="ac-tab__ic"></fa-icon>
       <span>Withdrawal Requests</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./deposit-requests']"
+      routerLink="./deposit-requests"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #depositRequests="routerLinkActive"
-      [active]="depositRequests.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="hand-holding-usd" class="ac-tab__ic"></fa-icon>
       <span>Deposit Requests</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./disbursement-requests']"
+      routerLink="./disbursement-requests"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #disbursementRequests="routerLinkActive"
-      [active]="disbursementRequests.isActive"
       *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
     >
       <fa-icon icon="money-bill-wave" class="ac-tab__ic"></fa-icon>
       <span>Disbursement & Transfers</span>
     </a>
     <a
-      mat-tab-link
       class="ac-tab"
-      [routerLink]="['./chequebook-requests']"
+      routerLink="./chequebook-requests"
-      routerLinkActive
+      routerLinkActive="ac-tab--active"
-      #chequebookRequests="routerLinkActive"
-      [active]="chequebookRequests.isActive"
       *mifosxHasPermission="'READ_CHEQUEBOOKPENDINGREQUEST'"
     >
       <fa-icon icon="money-check" class="ac-tab__ic"></fa-icon>
@@ -216,7 +164,7 @@
     </a>
   </nav>
 
-  <mat-tab-nav-panel #tabPanel>
+  <div class="ac-tab-panel">
     <router-outlet></router-outlet>
-  </mat-tab-nav-panel>
+  </div>
 </div>

src/app/tasks/checker-inbox-and-tasks/checker-inbox-and-tasks.component.scss

@@ -63,7 +63,10 @@ $amber: #f59e0b;
   }
 }
 
-/* ───────── Pill-style tab navigation ───────── */
+/* ───────── Pill-style tab navigation ─────────
+   A plain wrapping flex row, not mat-tab-nav-bar — with 16 sections, Material's single-row strip
+   hides most of them behind prev/next pagination arrows. Wrapping keeps every tab visible and one
+   click away instead of a scroll-and-hunt. */
 .ac-tabs {
   margin-bottom: 20px;
   background: #fff;
@@ -71,88 +74,51 @@ $amber: #f59e0b;
   border-radius: 14px;
   padding: 6px;
   box-shadow: 0 1px 3px rgb(15 23 42 / 4%);
-  overflow: hidden;
+  display: flex;
-
+  flex-wrap: wrap;
-  ::ng-deep {
+  gap: 4px;
-    .mat-mdc-tab-link-container {
-      border-bottom: none !important;
-    }
-
-    .mat-mdc-tab-links {
-      gap: 4px;
-    }
-
-    /* Material draws the active-tab underline indicator with a 2px height —
-       hide it; our pill background already signals the active tab. */
-    .mdc-tab-indicator__content--underline,
-    .mat-mdc-tab-header-pagination-controls-enabled .mdc-tab-indicator__content--underline {
-      display: none !important;
-    }
-  }
 }
 
 .ac-tab {
-  display: inline-flex !important;
+  display: inline-flex;
   align-items: center;
   gap: 8px;
-  height: 38px !important;
+  height: 38px;
-  min-width: 0 !important;
+  padding: 0 18px;
-  padding: 0 18px !important;
+  border-radius: 10px;
-  border-radius: 10px !important;
+  font-family: Inter, 'DM Sans', Roboto, sans-serif;
-  font-family: Inter, 'DM Sans', Roboto, sans-serif !important;
+  font-size: 13px;
-  font-size: 13px !important;
+  font-weight: 600;
-  font-weight: 600 !important;
+  letter-spacing: 0.01em;
-  letter-spacing: 0.01em !important;
+  color: #64748b;
-  color: #64748b !important;
+  background: transparent;
-  background: transparent !important;
   transition: all 0.15s ease;
   white-space: nowrap;
-  border: 1px solid transparent !important;
+  border: 1px solid transparent;
-  opacity: 1 !important;
+  text-decoration: none;
+  cursor: pointer;
 
   &__ic {
     font-size: 13px;
     color: inherit;
   }
 
-  &:hover:not(.mdc-tab--active) {
+  &:hover:not(.ac-tab--active) {
-    background: #f1f5f9 !important;
+    background: #f1f5f9;
-    color: $navy !important;
+    color: $navy;
   }
 
-  /* Material 3 adds `.mdc-tab--active` (and `.mat-mdc-tab-link-active`) to the
+  &.ac-tab--active {
-     selected link. Both target the same pill state — bold blue gradient. */
+    background: linear-gradient(135deg, $blue 0%, $blue-d 100%);
-  &.mdc-tab--active,
+    color: #fff;
-  &.mat-mdc-tab-link-active {
-    background: linear-gradient(135deg, $blue 0%, $blue-d 100%) !important;
-    color: #fff !important;
     box-shadow: 0 2px 6px -1px rgb(30 64 175 / 35%);
-    border-color: $blue-d !important;
+    border-color: $blue-d;
-
-    /* Material 3 wraps the label in its own span with a color rule that
-       beats the parent. Force white on every descendant so the active-tab
-       label is always legible against the dark gradient pill. */
-    ::ng-deep .mdc-tab__text-label,
-    ::ng-deep .mat-mdc-tab-link-content,
-    ::ng-deep span,
-    .ac-tab__ic {
-      color: #fff !important;
-      opacity: 1 !important;
-    }
   }
 }
 
 @media (width <= 768px) {
-  .ac-tabs {
-    overflow-x: auto;
-
-    ::ng-deep .mat-mdc-tab-links {
-      flex-wrap: nowrap;
-    }
-  }
-
   .ac-tab {
-    padding: 0 14px !important;
+    padding: 0 14px;
-    font-size: 12px !important;
+    font-size: 12px;
   }
 }

src/app/tasks/checker-inbox-and-tasks/checker-inbox-and-tasks.component.ts

@@ -8,13 +8,17 @@
 
 /** Angular Imports */
 import { Component } from '@angular/core';
-import { MatTabNav, MatTabLink, MatTabNavPanel } from '@angular/material/tabs';
+import { RouterLinkActive, RouterOutlet } from '@angular/router';
-import { RouterLinkActive, RouterLink, RouterOutlet } from '@angular/router';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 /**
  * Approval Center — checker inbox + client/loan approval workflows.
+ *
+ * The tab strip is a plain wrapping nav (not mat-tab-nav-bar) on purpose: with 16 sections,
+ * Material's single-row tab strip hides most of them behind prev/next pagination arrows, forcing
+ * a click-and-scan hunt for whichever one you need. Wrapping onto multiple rows keeps every tab
+ * visible and one click away.
  */
 @Component({
   selector: 'mifosx-checker-inbox-and-tasks',
@@ -22,10 +26,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
   styleUrls: ['./checker-inbox-and-tasks.component.scss'],
   imports: [
     ...STANDALONE_SHARED_IMPORTS,
-    MatTabNav,
-    MatTabLink,
     RouterLinkActive,
-    MatTabNavPanel,
     RouterOutlet,
     FaIconComponent
   ]

src/environments/.env.ts

@@ -9,8 +9,8 @@
 /* tslint:disable */
 export default {
   'mifos_x': {
-    'version': '260801',
+    'version': '260803',
-    'hash': 'bd753f49'
+    'hash': 'b43ed877'
   },
   'allow_switching_backend_instance': true
 };