Add CC accounts tracking, AML rule trial and branch approval fixes

CIBIL, Experian, Equifax and CRIF are vendors under API Management (active =
whitelisted) and the Credit Bureau dashboard reads them from there; the
separate CIC whitelist and API mapping screens are removed. Mapping tables show
the value each row finds in the sample payload, and bureau cards link to their
set-up.

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

src/app/accounts/accounts-list/accounts-list.component.html

@@ -139,6 +139,13 @@
             </td>
           </ng-container>
 
+          <ng-container matColumnDef="limit">
+            <th mat-header-cell *matHeaderCellDef class="acl-th acl-th--right">Sanctioned Limit</th>
+            <td mat-cell *matCellDef="let row" class="acl-td acl-td--right">
+              {{ getCurrencySymbol(row) }} {{ row.overdraftLimit | formatNumber }}
+            </td>
+          </ng-container>
+
           <ng-container matColumnDef="balance">
             <th mat-header-cell *matHeaderCellDef class="acl-th acl-th--right">Balance</th>
             <td mat-cell *matCellDef="let row" class="acl-td acl-td--right">

src/app/accounts/accounts-list/accounts-list.component.ts

@@ -34,7 +34,7 @@ import { FormatNumberPipe } from '../../pipes/format-number.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { AccountsService } from '../accounts.service';
 
-export type AccountType = 'savings' | 'current' | 'fixed-deposits' | 'recurring-deposits';
+export type AccountType = 'savings' | 'current' | 'cc' | 'fixed-deposits' | 'recurring-deposits';
 
 interface AccountConfig {
   label: string;
@@ -119,6 +119,13 @@ export class AccountsListComponent implements OnInit, OnDestroy {
       typeLabel: 'CA',
       typeBadgeClass: 'dtype--ca'
     },
+    cc: {
+      label: 'CC Accounts',
+      icon: 'hand-holding-usd',
+      accentClass: 'accent--current',
+      typeLabel: 'CC',
+      typeBadgeClass: 'dtype--ca'
+    },
     'fixed-deposits': {
       label: 'Fixed Deposit Accounts',
       icon: 'lock',
@@ -142,6 +149,24 @@ export class AccountsListComponent implements OnInit, OnDestroy {
   ngOnInit() {
     this.route.data.pipe(takeUntil(this.destroy$)).subscribe((data) => {
       this.accountType = data['accountType'] as AccountType;
+      this.displayedColumns = this.accountType === 'cc' ? [
+              'accountNo',
+              'depositType',
+              'clientName',
+              'productName',
+              'limit',
+              'balance',
+              'status',
+              'actions'
+            ] : [
+              'accountNo',
+              'depositType',
+              'clientName',
+              'productName',
+              'balance',
+              'status',
+              'actions'
+            ];
       this.pageIndex = 0;
       this.searchControl.setValue('', { emitEvent: false });
       this.loadAccounts();
@@ -183,9 +208,12 @@ export class AccountsListComponent implements OnInit, OnDestroy {
     const toVal = this.toDateControl.value;
     const bothDatesSet = !!(fromVal && toVal);
 
+    // CC accounts come from the server already narrowed to those that allow an overdraft; nothing else is read.
+    const isCc = this.accountType === 'cc';
     const params: import('../accounts.service').AccountListParams = {
-      offset: this.pageIndex * this.pageSize,
-      limit: this.pageSize,
+      offset: isCc ? 0 : this.pageIndex * this.pageSize,
+      limit: isCc ? 500 : this.pageSize,
+      ...(isCc && { overdraftOnly: true }),
       accountNo: this.searchType === 'accountNo' ? search || undefined : undefined,
       clientName: this.searchType === 'clientName' ? search || undefined : undefined,
       orderBy: 'id',
@@ -199,7 +227,7 @@ export class AccountsListComponent implements OnInit, OnDestroy {
     const obs$ =
       this.accountType === 'savings'
         ? this.accountsService.getSavingsAccounts(params)
-        : this.accountType === 'current'
+        : this.accountType === 'current' || this.accountType === 'cc'
           ? this.accountsService.getCurrentAccounts(params)
           : this.accountType === 'fixed-deposits'
             ? this.accountsService.getFixedDepositAccounts(params)
@@ -239,7 +267,7 @@ export class AccountsListComponent implements OnInit, OnDestroy {
           });
         }
 
-        this.totalRecords = Array.isArray(res) ? items.length : (res?.totalFilteredRecords ?? items.length);
+        this.totalRecords = isCc || Array.isArray(res) ? items.length : (res?.totalFilteredRecords ?? items.length);
         this.dataSource.data = items;
         this.isLoading = false;
       },
@@ -307,6 +335,13 @@ export class AccountsListComponent implements OnInit, OnDestroy {
         id,
         'general'
       ],
+      cc: [
+        '/clients',
+        account.clientId,
+        'current-accounts',
+        id,
+        'general'
+      ],
       'fixed-deposits': [
         '/clients',
         account.clientId,

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

@@ -36,6 +36,12 @@ const routes: Routes = [
           component: AccountsListComponent,
           data: { accountType: 'current', title: 'Current Accounts', breadcrumb: 'Current Accounts' }
         },
+        {
+          // Cash Credit: current accounts opened on a product that allows an overdraft.
+          path: 'cc',
+          component: AccountsListComponent,
+          data: { accountType: 'cc', title: 'CC Accounts', breadcrumb: 'CC Accounts' }
+        },
         {
           path: 'fixed-deposits',
           component: AccountsListComponent,

src/app/accounts/accounts.service.ts

@@ -21,6 +21,8 @@ export interface AccountListParams {
   fromDate?: string;
   toDate?: string;
   asOnDate?: string;
+  /** Current accounts only: just the Cash Credit (overdraft) accounts, filtered by the server. */
+  overdraftOnly?: boolean;
 }
 
 @Injectable({ providedIn: 'root' })
@@ -55,6 +57,7 @@ export class AccountsService {
     if (params.fromDate) httpParams = httpParams.set('fromDate', params.fromDate);
     if (params.toDate) httpParams = httpParams.set('toDate', params.toDate);
     if (params.asOnDate) httpParams = httpParams.set('asOnDate', params.asOnDate);
+    if (params.overdraftOnly) httpParams = httpParams.set('overdraftOnly', 'true');
     return this.http.get('/currentaccounts', { params: httpParams });
   }
 

src/app/aml/aml.service.ts

@@ -158,6 +158,16 @@ export class AmlService {
     return this.http.get<any>('/aml/cc-tracking', { params: new HttpParams().set('days', String(days)) });
   }
 
+  /**
+   * Every credit and debit on one CC account over the last `days` days, with the mode and counterparty each payment
+   * recorded, totalled by mode and by counterparty.
+   */
+  getCcAccountTrail(accountId: number, days = 30): Observable<any> {
+    return this.http.get<any>(`/aml/cc-tracking/${accountId}/trail`, {
+      params: new HttpParams().set('days', String(days))
+    });
+  }
+
   /** month format: yyyy-MM */
   generateCtrReport(month: string): Observable<any> {
     return this.http.post('/aml/ctr-reports/generate', { month });

src/app/api-management/api-import.util.ts

@@ -0,0 +1,778 @@
+/**
+ * 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 { ApiMappingRow, KeyValue, kv } from './api-management.service';
+
+/**
+ * Reads what a vendor's documentation or a Postman / browser / cURL capture gives - in any of these shapes - and turns
+ * it into the pieces of an API: method, URL, path, query parameters, headers, content type, payload, response status,
+ * response headers, response body, and a first guess at the CBS field mapping. Nothing is sent anywhere.
+ *
+ * Understood:
+ *   - a cURL command
+ *   - a Postman collection or a single Postman request / item (with its saved responses)
+ *   - a HAR capture
+ *   - an "API definition" object: { method, url | path, query, headers, body, status, ... }
+ *   - a bare JSON payload (treated as the request body, or the response body on the response side)
+ *   - form text (a=1&b=2) and other raw text
+ *
+ * Credentials found in headers or query strings are never kept: the value is replaced by {{secret}} and the row is
+ * flagged as secret, so a key pasted from a sample cannot end up stored.
+ */
+
+export interface ImportedRequest {
+  source: string;
+  method?: string;
+  /** The full URL when the file had one. */
+  url?: string;
+  /** Scheme and host of the URL, when present. */
+  baseUrl?: string;
+  path?: string;
+  queryParams: KeyValue[];
+  headers: KeyValue[];
+  contentType?: string;
+  body?: string;
+  /** A response found in the same file (Postman saved response, HAR entry, definition object). */
+  response?: ImportedResponse;
+  notes: string[];
+}
+
+export interface ImportedResponse {
+  source: string;
+  status?: number;
+  headers: KeyValue[];
+  body?: string;
+  errorBody?: string;
+  notes: string[];
+}
+
+const SECRET_HEADERS =
+  /^(authorization|proxy-authorization|x-api-key|api-key|apikey|authkey|x-auth-token|auth-token|token|x-access-token|cookie|set-cookie|x-hub-signature(-256)?)$/i;
+const SECRET_QUERY = /^(key|api[-_]?key|apikey|token|access[-_]?token|auth[-_]?key|secret|password|signature)$/i;
+const SECRET = '{{secret}}';
+
+// ── small helpers ───────────────────────────────────────────────────────────
+
+function isObject(v: unknown): v is Record<string, any> {
+  return typeof v === 'object' && v !== null && !Array.isArray(v);
+}
+
+function tryJson(text: string): any {
+  try {
+    return JSON.parse(text);
+  } catch {
+    return undefined;
+  }
+}
+
+function prettyJsonOrText(text: string): string {
+  const parsed = tryJson(text);
+  return parsed !== undefined && typeof parsed === 'object' ? JSON.stringify(parsed, null, 2) : text;
+}
+
+function bodyToText(body: unknown): string | undefined {
+  if (body === undefined || body === null) return undefined;
+  if (typeof body === 'string') return prettyJsonOrText(body);
+  return JSON.stringify(body, null, 2);
+}
+
+function toKeyValues(source: unknown, kind: 'header' | 'query' | 'plain'): KeyValue[] {
+  const out: KeyValue[] = [];
+  const add = (key: unknown, value: unknown, description = '', disabled = false) => {
+    const k = String(key ?? '').trim();
+    if (!k) return;
+    const secret = (kind === 'header' && SECRET_HEADERS.test(k)) || (kind === 'query' && SECRET_QUERY.test(k));
+    out.push({
+      key: k,
+      value: secret ? SECRET : value === undefined || value === null ? '' : String(value),
+      description,
+      enabled: !disabled,
+      secret
+    });
+  };
+  if (Array.isArray(source)) {
+    for (const item of source) {
+      if (isObject(item))
+        add(item.key ?? item.name, item.value, String(item.description ?? ''), item.disabled === true);
+    }
+  } else if (isObject(source)) {
+    for (const [
+      k,
+      v
+    ] of Object.entries(source)) add(k, v);
+  }
+  return out;
+}
+
+/** Splits a URL into its base, path and query without failing on {{placeholders}} or {path} parameters. */
+function splitUrl(raw: string): { baseUrl?: string; path: string; query: KeyValue[] } {
+  let rest = raw.trim();
+  let baseUrl: string | undefined;
+  const m = /^([a-zA-Z][a-zA-Z0-9+.-]*:\/\/[^/?#]+)(.*)$/.exec(rest);
+  if (m) {
+    baseUrl = m[1];
+    rest = m[2];
+  }
+  const hash = rest.indexOf('#');
+  if (hash >= 0) rest = rest.slice(0, hash);
+  let queryText = '';
+  const q = rest.indexOf('?');
+  if (q >= 0) {
+    queryText = rest.slice(q + 1);
+    rest = rest.slice(0, q);
+  }
+  const query: KeyValue[] = [];
+  for (const part of queryText.split('&')) {
+    if (!part) continue;
+    const eq = part.indexOf('=');
+    const key = safeDecode(eq >= 0 ? part.slice(0, eq) : part);
+    const value = eq >= 0 ? safeDecode(part.slice(eq + 1)) : '';
+    query.push(...toKeyValues([{ key, value }], 'query'));
+  }
+  return { baseUrl, path: rest || '/', query };
+}
+
+function safeDecode(s: string): string {
+  try {
+    return decodeURIComponent(s.replace(/\+/g, ' '));
+  } catch {
+    return s;
+  }
+}
+
+function detectContentType(
+  headers: KeyValue[],
+  body: string | undefined
+): { contentType?: string; headers: KeyValue[] } {
+  const ct = headers.find((h) => h.key.toLowerCase() === 'content-type');
+  const rest = headers.filter((h) => h.key.toLowerCase() !== 'content-type');
+  if (ct) return { contentType: ct.value.split(';')[0].trim(), headers: rest };
+  if (!body) return { headers: rest };
+  if (tryJson(body) !== undefined) return { contentType: 'application/json', headers: rest };
+  if (/^\s*</.test(body)) return { contentType: 'application/xml', headers: rest };
+  if (/^[^\s=&]+=[^&]*(&[^\s=&]+=[^&]*)*$/.test(body.trim()))
+    return { contentType: 'application/x-www-form-urlencoded', headers: rest };
+  return { contentType: 'text/plain', headers: rest };
+}
+
+/** Everything about a request is derived the same way once method / url / headers / body are known. */
+function finishRequest(
+  source: string,
+  method: string | undefined,
+  url: string | undefined,
+  pathOnly: string | undefined,
+  query: unknown,
+  headers: KeyValue[],
+  body: string | undefined,
+  contentTypeHint: string | undefined,
+  notes: string[]
+): ImportedRequest {
+  const parts = url ? splitUrl(url) : pathOnly ? splitUrl(pathOnly) : undefined;
+  const queryParams = [
+    ...(parts?.query ?? []),
+    ...toKeyValues(query, 'query')
+  ];
+  const detected = detectContentType(headers, body);
+  if (queryParams.some((q) => q.secret))
+    notes.push('A credential in the query string was replaced by {{secret}} - set it on the Connection tab.');
+  if (headers.some((h) => h.secret))
+    notes.push('Credentials in the headers were replaced by {{secret}} - set them on the Connection tab.');
+  return {
+    source,
+    method: method ? method.toUpperCase() : body ? 'POST' : undefined,
+    url,
+    baseUrl: parts?.baseUrl,
+    path: parts?.path,
+    queryParams,
+    headers: detected.headers,
+    contentType: contentTypeHint ?? detected.contentType,
+    body,
+    notes
+  };
+}
+
+// ── cURL ────────────────────────────────────────────────────────────────────
+
+/** Splits a shell command into words, honouring '…' "…" quotes and \ line continuations. */
+function shellWords(command: string): string[] {
+  const words: string[] = [];
+  let cur = '';
+  let quote: '"' | "'" | null = null;
+  let started = false;
+  const text = command.replace(/\\\r?\n/g, ' ').trim();
+  for (let i = 0; i < text.length; i++) {
+    const c = text[i];
+    if (quote) {
+      if (c === quote) quote = null;
+      else if (c === '\\' && quote === '"' && i + 1 < text.length) cur += text[++i];
+      else cur += c;
+    } else if (c === '"' || c === "'") {
+      quote = c;
+      started = true;
+    } else if (/\s/.test(c)) {
+      if (started || cur) words.push(cur);
+      cur = '';
+      started = false;
+    } else if (c === '\\' && i + 1 < text.length) {
+      cur += text[++i];
+    } else {
+      cur += c;
+    }
+  }
+  if (started || cur) words.push(cur);
+  return words;
+}
+
+function parseCurl(text: string): ImportedRequest {
+  const words = shellWords(text);
+  const notes: string[] = [];
+  let method: string | undefined;
+  let url: string | undefined;
+  const headers: KeyValue[] = [];
+  const data: string[] = [];
+  let form = false;
+  let getMode = false;
+  for (let i = 0; i < words.length; i++) {
+    const w = words[i];
+    const next = () => words[++i] ?? '';
+    if (w === 'curl') continue;
+    if (w === '-X' || w === '--request') method = next();
+    else if (w === '-H' || w === '--header') {
+      const h = next();
+      const c = h.indexOf(':');
+      if (c > 0) headers.push(...toKeyValues([{ key: h.slice(0, c), value: h.slice(c + 1).trim() }], 'header'));
+    } else if ([
+        '-d',
+        '--data',
+        '--data-raw',
+        '--data-binary',
+        '--data-ascii'
+      ].includes(w)) data.push(next());
+    else if (w === '--data-urlencode') {
+      data.push(next());
+      form = true;
+    } else if (w === '-F' || w === '--form') {
+      data.push(next());
+      form = true;
+      notes.push('Multipart form fields were read as name=value pairs.');
+    } else if (w === '--url') url = next();
+    else if (w === '-G' || w === '--get') getMode = true;
+    else if (w === '-u' || w === '--user') {
+      next();
+      headers.push({
+        key: 'Authorization',
+        value: SECRET,
+        description: 'Basic authentication from the cURL -u option',
+        enabled: true,
+        secret: true
+      });
+    } else if (w.startsWith('-')) {
+      // Flags that take a value we do not need.
+      if ([
+          '-o',
+          '--output',
+          '-A',
+          '--user-agent',
+          '-e',
+          '--referer',
+          '--connect-timeout',
+          '-m',
+          '--max-time',
+          '--proxy',
+          '-x'
+        ].includes(w)) next();
+    } else if (!url && /^[a-zA-Z][a-zA-Z0-9+.-]*:\/\//.test(w)) url = w;
+    else if (!url && /^[\w.-]+(:\d+)?\//.test(w)) url = w;
+  }
+  let body = data.length ? data.join('&') : undefined;
+  if (body && getMode) {
+    url = url + (url?.includes('?') ? '&' : '?') + body;
+    body = undefined;
+  }
+  return finishRequest(
+    'cURL command',
+    method ?? (getMode ? 'GET' : body ? 'POST' : 'GET'),
+    url,
+    undefined,
+    undefined,
+    headers,
+    body ? prettyJsonOrText(body) : undefined,
+    form && !headers.some((h) => h.key.toLowerCase() === 'content-type')
+      ? 'application/x-www-form-urlencoded'
+      : undefined,
+    notes
+  );
+}
+
+// ── Postman / HAR / definition object ───────────────────────────────────────
+
+function findPostmanItem(node: any): any {
+  if (!node) return undefined;
+  if (node.request) return node;
+  if (Array.isArray(node.item)) {
+    for (const child of node.item) {
+      const found = findPostmanItem(child);
+      if (found) return found;
+    }
+  }
+  return undefined;
+}
+
+function postmanUrl(url: any): string | undefined {
+  if (!url) return undefined;
+  if (typeof url === 'string') return url;
+  if (typeof url.raw === 'string') return url.raw;
+  const host = Array.isArray(url.host) ? url.host.join('.') : url.host;
+  const path = Array.isArray(url.path) ? url.path.join('/') : url.path;
+  return `${url.protocol ? url.protocol + '://' : ''}${host ?? ''}/${path ?? ''}`;
+}
+
+function postmanResponse(r: any): ImportedResponse {
+  return {
+    source: 'Postman saved response',
+    status: typeof r?.code === 'number' ? r.code : undefined,
+    headers: toKeyValues(r?.header, 'header'),
+    body: bodyToText(r?.body),
+    notes: []
+  };
+}
+
+function fromPostman(item: any): ImportedRequest {
+  const req = item.request;
+  const notes: string[] = [];
+  let body: string | undefined;
+  let contentType: string | undefined;
+  const b = req?.body;
+  if (b?.mode === 'raw') {
+    body = bodyToText(b.raw);
+    const lang = b.options?.raw?.language;
+    if (lang === 'json') contentType = 'application/json';
+  } else if (b?.mode === 'urlencoded') {
+    body = (b.urlencoded ?? [])
+      .filter((p: any) => !p.disabled)
+      .map((p: any) => `${encodeURIComponent(p.key)}=${encodeURIComponent(p.value ?? '')}`)
+      .join('&');
+    contentType = 'application/x-www-form-urlencoded';
+  } else if (b?.mode === 'formdata') {
+    body = (b.formdata ?? []).map((p: any) => `${p.key}=${p.value ?? ''}`).join('&');
+    contentType = 'multipart/form-data';
+  }
+  const request = finishRequest(
+    'Postman request',
+    typeof req?.method === 'string' ? req.method : undefined,
+    postmanUrl(req?.url),
+    undefined,
+    undefined,
+    toKeyValues(req?.header, 'header'),
+    body,
+    contentType,
+    notes
+  );
+  if (Array.isArray(item.response) && item.response.length) request.response = postmanResponse(item.response[0]);
+  if (req?.auth)
+    notes.push('The request had an auth section; it was not read. Set authentication on the Connection tab.');
+  return request;
+}
+
+function fromHar(har: any): ImportedRequest {
+  const entry = har.log.entries[0];
+  const r = entry.request ?? {};
+  const body = r.postData?.text ? prettyJsonOrText(r.postData.text) : undefined;
+  const request = finishRequest(
+    'HAR capture',
+    r.method,
+    r.url,
+    undefined,
+    undefined,
+    toKeyValues(r.headers, 'header'),
+    body,
+    typeof r.postData?.mimeType === 'string' ? r.postData.mimeType.split(';')[0] : undefined,
+    []
+  );
+  const res = entry.response;
+  if (res) {
+    request.response = {
+      source: 'HAR capture',
+      status: typeof res.status === 'number' ? res.status : undefined,
+      headers: toKeyValues(res.headers, 'header'),
+      body: res.content?.text ? prettyJsonOrText(res.content.text) : undefined,
+      notes: []
+    };
+  }
+  return request;
+}
+
+function definitionResponse(def: any): ImportedResponse | undefined {
+  const r = def.response ?? def.responseDefinition;
+  const status = def.status ?? def.statusCode ?? def.successCode ?? r?.status ?? r?.statusCode ?? r?.code;
+  const headers = def.responseHeaders ?? r?.headers;
+  const body = def.responseBody ?? (isObject(r) ? (r.body ?? r.data) : r);
+  const errorBody = def.errorBody ?? def.errorResponse ?? r?.errorBody;
+  if (status === undefined && headers === undefined && body === undefined && errorBody === undefined) return undefined;
+  return {
+    source: 'API definition',
+    status: typeof status === 'number' ? status : status ? Number(status) || undefined : undefined,
+    headers: toKeyValues(headers, 'header'),
+    body: bodyToText(body),
+    errorBody: bodyToText(errorBody),
+    notes: []
+  };
+}
+
+function fromDefinition(def: any): ImportedRequest {
+  const body = def.body ?? def.payload ?? def.data ?? def.requestBody ?? def.request;
+  const bodyText = isObject(body) && ('method' in body || 'url' in body) ? undefined : bodyToText(body);
+  const url = def.url ?? def.endpoint ?? def.uri;
+  const request = finishRequest(
+    'API definition',
+    def.method ?? def.httpMethod,
+    typeof url === 'string' ? url : undefined,
+    typeof def.path === 'string' ? def.path : undefined,
+    def.query ?? def.queryParams ?? def.params,
+    toKeyValues(def.headers, 'header'),
+    bodyText,
+    typeof def.contentType === 'string' ? def.contentType : undefined,
+    []
+  );
+  request.response = definitionResponse(def);
+  return request;
+}
+
+// ── public: request side ────────────────────────────────────────────────────
+
+export function parseRequestText(text: string): ImportedRequest {
+  const t = (text ?? '').trim();
+  if (!t) throw new Error('Nothing to read - paste the request or choose a file.');
+  if (/^curl\b/i.test(t)) return parseCurl(t);
+
+  const parsed = tryJson(t);
+  if (parsed === undefined) {
+    // Not JSON: a cURL command in the middle of text, form data, or other raw text.
+    const curl = /curl\b[\s\S]*/i.exec(t);
+    if (curl && /https?:\/\//.test(curl[0])) return parseCurl(curl[0]);
+    const detected = detectContentType([], t);
+    return finishRequest('Raw text', undefined, undefined, undefined, undefined, [], t, detected.contentType, [
+      'The text is not JSON; it was kept as the request payload.'
+    ]);
+  }
+  if (isObject(parsed) && isObject(parsed.log) && Array.isArray(parsed.log.entries) && parsed.log.entries.length)
+    return fromHar(parsed);
+  if (isObject(parsed) && (parsed.item || parsed.info?.schema)) {
+    const item = findPostmanItem(parsed);
+    if (!item) throw new Error('The Postman collection has no request in it.');
+    return fromPostman(item);
+  }
+  if (
+    isObject(parsed) &&
+    isObject(parsed.request) &&
+    (parsed.request.url || parsed.request.method || parsed.request.header)
+  )
+    return fromPostman(parsed);
+  if (isObject(parsed) && [
+      'method',
+      'httpMethod',
+      'url',
+      'endpoint',
+      'uri',
+      'headers',
+      'queryParams',
+      'requestBody',
+      'payload'
+    ].some((k) => k in parsed) && !('statuses' in parsed)) {
+    return fromDefinition(parsed);
+  }
+  // A bare JSON payload.
+  return finishRequest(
+    'JSON payload',
+    undefined,
+    undefined,
+    undefined,
+    undefined,
+    [],
+    JSON.stringify(parsed, null, 2),
+    'application/json',
+    []
+  );
+}
+
+// ── public: response side ───────────────────────────────────────────────────
+
+export function parseResponseText(text: string): ImportedResponse {
+  const t = (text ?? '').trim();
+  if (!t) throw new Error('Nothing to read - paste the response or choose a file.');
+  const parsed = tryJson(t);
+  if (parsed === undefined) {
+    return {
+      source: 'Raw text',
+      headers: [],
+      body: t,
+      notes: ['The text is not JSON; it was kept as the response body.']
+    };
+  }
+  if (isObject(parsed) && isObject(parsed.log) && Array.isArray(parsed.log.entries) && parsed.log.entries.length) {
+    return (
+      fromHar(parsed).response ?? { source: 'HAR capture', headers: [], notes: ['The HAR entry has no response.'] }
+    );
+  }
+  if (isObject(parsed) && (parsed.item || parsed.info?.schema)) {
+    const item = findPostmanItem(parsed);
+    const res = item ? fromPostman(item).response : undefined;
+    if (!res) throw new Error('The Postman collection has no saved response.');
+    return res;
+  }
+  if (isObject(parsed) && Array.isArray(parsed.response) && parsed.response.length && (parsed.request || parsed.name)) {
+    return postmanResponse(parsed.response[0]);
+  }
+  if (isObject(parsed) && [
+      'status',
+      'statusCode',
+      'headers',
+      'responseHeaders',
+      'responseBody',
+      'errorBody'
+    ].some(
+      (k) => k in parsed
+    ) && ('body' in parsed || 'responseBody' in parsed || 'headers' in parsed || 'responseHeaders' in parsed || 'errorBody' in parsed || 'data' in parsed)) {
+    const r = definitionResponse({
+      status: parsed.status ?? parsed.statusCode,
+      responseHeaders: parsed.responseHeaders ?? parsed.headers,
+      responseBody: parsed.responseBody ?? parsed.body ?? parsed.data,
+      errorBody: parsed.errorBody
+    });
+    if (r) return r;
+  }
+  return { source: 'JSON body', headers: [], body: JSON.stringify(parsed, null, 2), notes: [] };
+}
+
+// ── JSON → mapping rows ─────────────────────────────────────────────────────
+
+export interface JsonLeaf {
+  path: string;
+  value: unknown;
+}
+
+/** Every value in a JSON document with its path: `a.b[0].c`. Only the first item of an array is walked. */
+export function flatten(json: unknown, prefix = ''): JsonLeaf[] {
+  const out: JsonLeaf[] = [];
+  if (Array.isArray(json)) {
+    if (json.length) out.push(...flatten(json[0], `${prefix}[0]`));
+  } else if (isObject(json)) {
+    for (const [
+      k,
+      v
+    ] of Object.entries(json)) {
+      out.push(...flatten(v, prefix ? `${prefix}.${k}` : k));
+    }
+  } else if (prefix) {
+    out.push({ path: prefix, value: json });
+  }
+  return out;
+}
+
+function lastKey(path: string): string {
+  const m = /([A-Za-z0-9_$-]+)(\[\d+\])*$/.exec(path);
+  return m ? m[1] : path;
+}
+
+const norm = (s: string) => s.toLowerCase().replace(/[^a-z0-9]/g, '');
+
+const REQUEST_GUESS: [RegExp, string, boolean][] = [
+  [
+    /^(mobile|mobiles|mobileno|mobilenumber|msisdn|phone|phoneno|phonenumber|to|destination|recipient|recipients|number|contact)$/,
+    'customer.mobile',
+    true
+  ],
+  [
+    /^(templateid|template|templatename|dlttemplateid|flowid)$/,
+    'message.templateId',
+    true
+  ],
+  [
+    /^(message|text|body|content|sms|msg|smstext|var1|messagetext)$/,
+    'message.text',
+    true
+  ],
+  [
+    /^(sender|senderid|from|source|shortcode)$/,
+    'bank.senderId',
+    false
+  ],
+  [
+    /^(email|emailid|mail|emailaddress)$/,
+    'customer.email',
+    false
+  ],
+  [
+    /^(customername|fullname|firstname|name)$/,
+    'customer.name',
+    false
+  ],
+  [
+    /^(otp|code|pin)$/,
+    'message.otp',
+    false
+  ],
+  [
+    /^(pan|pannumber)$/,
+    'customer.pan',
+    false
+  ],
+  [
+    /^(aadhaar|aadhar|aadhaarnumber)$/,
+    'customer.aadhaar',
+    false
+  ],
+  [
+    /^(dob|dateofbirth|birthdate)$/,
+    'customer.dob',
+    false
+  ],
+  [
+    /^(membercode|memberid|memberreference)$/,
+    'bank.memberCode',
+    false
+  ],
+  [
+    /^(accountno|accountnumber|acno|account)$/,
+    'account.number',
+    false
+  ],
+  [
+    /^(cif|customerid|clientid|cifno)$/,
+    'customer.cif',
+    false
+  ],
+  [
+    /^(amount|amt|txnamount|transactionamount)$/,
+    'txn.amount',
+    false
+  ],
+  [
+    /^(txnid|transactionid|transactionreference|txnref)$/,
+    'txn.reference',
+    false
+  ],
+  [
+    /^(txndate|transactiondate)$/,
+    'txn.date',
+    false
+  ],
+  [
+    /^(fromdate|startdate|datefrom)$/,
+    'request.fromDate',
+    false
+  ],
+  [
+    /^(todate|enddate|dateto)$/,
+    'request.toDate',
+    false
+  ],
+  [
+    /^(reference|referenceno|referencenumber|ref|requestid|clientreference|correlationid)$/,
+    'request.reference',
+    false
+  ],
+  [
+    /^(tenantidentifier|tenantid)$/,
+    'tenant.identifier',
+    false
+  ],
+  [
+    /^(providerid)$/,
+    'sms.providerId',
+    false
+  ]
+];
+
+function guessTransform(cbsField: string, value: unknown): string {
+  if (cbsField === 'customer.mobile') return 'DIGITS_ONLY';
+  if (cbsField === 'customer.email') return 'LOWER';
+  if (cbsField === 'bank.senderId') return 'UPPER';
+  if (cbsField === 'txn.amount') return 'NUMBER';
+  if (typeof value === 'boolean') return 'BOOLEAN';
+  if (typeof value === 'number') return 'NUMBER';
+  if (typeof value === 'string') {
+    if (/^\d{8}$/.test(value) && cbsField.includes('Date')) return 'DATE_DDMMYYYY';
+    if (/^\d{4}-\d{2}-\d{2}/.test(value)) return 'DATE_YYYY_MM_DD';
+  }
+  return 'NONE';
+}
+
+/**
+ * A first mapping for a request payload: each value that looks like a known CBS field (mobile, message, template,
+ * sender ...) becomes "CBS field → path"; every other value becomes a fixed value at its path, so the whole payload is
+ * reproduced. Review and adjust.
+ */
+export function guessRequestRows(bodyText: string): ApiMappingRow[] {
+  const parsed = tryJson(bodyText);
+  if (parsed === undefined || typeof parsed !== 'object' || parsed === null) return [];
+  const rows: ApiMappingRow[] = [];
+  const used = new Set<string>();
+  for (const leaf of flatten(parsed)) {
+    const key = norm(lastKey(leaf.path));
+    const hit = REQUEST_GUESS.find(([re]) => re.test(key));
+    if (hit && !used.has(hit[1])) {
+      used.add(hit[1]);
+      rows.push({
+        from: hit[1],
+        to: leaf.path,
+        transform: guessTransform(hit[1], leaf.value),
+        defaultValue: '',
+        mandatory: hit[2]
+      });
+    } else {
+      rows.push({
+        from: '',
+        to: leaf.path,
+        transform: guessTransform('', leaf.value),
+        defaultValue: leaf.value === null ? '' : String(leaf.value),
+        mandatory: false
+      });
+    }
+  }
+  return rows.filter((r) => r.from || r.defaultValue);
+}
+
+/**
+ * A first mapping for a response body: every value at its path → a CBS field named after the vendor and the key
+ * (`sms.messageId`). Ids / references are marked required.
+ */
+export function guessResponseRows(bodyText: string, vendorCode: string): ApiMappingRow[] {
+  const parsed = tryJson(bodyText);
+  if (parsed === undefined || typeof parsed !== 'object' || parsed === null) return [];
+  const prefix = vendorCode.toLowerCase().split('_')[0] || 'vendor';
+  const rows: ApiMappingRow[] = [];
+  const used = new Set<string>();
+  for (const leaf of flatten(parsed)) {
+    const key = lastKey(leaf.path);
+    const n = norm(key);
+    let target: string;
+    if (/^(messageid|msgid|id|reference|requestid|referenceid|messageid)$/.test(n)) target = 'reference';
+    else if (/^(status|state|result|type)$/.test(n)) target = 'status';
+    else if (/^(error|errormessage|errormsg|reason|detail|description)$/.test(n)) target = 'error';
+    else target = key.replace(/[^A-Za-z0-9]+(.)?/g, (_m, c: string) => (c ? c.toUpperCase() : ''));
+    let to = `${prefix}.${target}`;
+    for (let i = 2; used.has(to); i++) to = `${prefix}.${target}${i}`;
+    used.add(to);
+    rows.push({
+      from: leaf.path,
+      to,
+      transform: target === 'status' ? 'UPPER' : guessTransform('', leaf.value),
+      defaultValue: '',
+      mandatory: target === 'reference'
+    });
+  }
+  return rows;
+}
+
+export function secretNote(rows: KeyValue[]): string | null {
+  const n = rows.filter((r) => r.secret).length;
+  return n ? `${n} credential value(s) were hidden.` : null;
+}
+
+export { kv };

src/app/api-management/api-key-value-editor/api-key-value-editor.component.html

@@ -0,0 +1,61 @@
+<!--
+  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/.
+-->
+
+@if (!rows.length) {
+  <div class="muted" style="font-size: 12px; margin-bottom: 6px">{{ emptyText }}</div>
+} @else {
+  <div class="cic-table-wrap">
+    <table class="cic-table">
+      <thead>
+        <tr>
+          <th style="width: 34px">On</th>
+          <th>{{ keyLabel }}</th>
+          <th>{{ valueLabel }}</th>
+          <th>Note</th>
+          <th style="width: 60px">Secret</th>
+          @if (!fixedKeys) {
+            <th style="width: 40px"></th>
+          }
+        </tr>
+      </thead>
+      <tbody>
+        @for (r of rows; track $index; let i = $index) {
+          <tr>
+            <td style="text-align: center">
+              <input type="checkbox" [(ngModel)]="r.enabled" style="width: auto" />
+            </td>
+            <td>
+              <input class="cic-mono" [(ngModel)]="r.key" [placeholder]="keyPlaceholder" [readonly]="fixedKeys" />
+            </td>
+            <td>
+              <input
+                class="cic-mono"
+                [type]="r.secret ? 'password' : 'text'"
+                [(ngModel)]="r.value"
+                [placeholder]="valuePlaceholder"
+                autocomplete="off"
+              />
+            </td>
+            <td><input [(ngModel)]="r.description" /></td>
+            <td style="text-align: center">
+              <input type="checkbox" [(ngModel)]="r.secret" style="width: auto" title="Show the value masked" />
+            </td>
+            @if (!fixedKeys) {
+              <td>
+                <button class="cic-btn sm danger" (click)="remove(i)">✕</button>
+              </td>
+            }
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+}
+@if (!fixedKeys) {
+  <button class="cic-btn sm" style="margin-top: 8px" (click)="add()">{{ addLabel }}</button>
+}

src/app/api-management/api-key-value-editor/api-key-value-editor.component.ts

@@ -0,0 +1,44 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, Input } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+
+import { KeyValue } from '../api-management.service';
+
+/** An editable table of name / value pairs: headers, query parameters, path parameters. Edits the array in place. */
+@Component({
+  selector: 'mifosx-api-key-value-editor',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule
+  ],
+  templateUrl: './api-key-value-editor.component.html',
+  styleUrls: ['../../credit-bureau/cic-shared.scss']
+})
+export class ApiKeyValueEditorComponent {
+  @Input() rows: KeyValue[] = [];
+  @Input() keyLabel = 'Name';
+  @Input() valueLabel = 'Value';
+  @Input() keyPlaceholder = '';
+  @Input() valuePlaceholder = '';
+  @Input() addLabel = '+ Add';
+  /** Path parameters come from the path itself; the names cannot be edited or removed. */
+  @Input() fixedKeys = false;
+  @Input() emptyText = 'None.';
+
+  add(): void {
+    this.rows.push({ key: '', value: '', description: '', enabled: true, secret: false });
+  }
+
+  remove(i: number): void {
+    this.rows.splice(i, 1);
+  }
+}

src/app/api-management/api-log-detail/api-log-detail.component.html

@@ -0,0 +1,55 @@
+<!--
+  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/.
+-->
+
+@if (log) {
+  <div class="cic-modal-backdrop" (click)="closed.emit()">
+    <div class="cic-modal" style="width: min(1100px, 100%)" (click)="$event.stopPropagation()">
+      <h3>
+        {{ log.vendorName }} · {{ log.apiName }}
+        <span class="cic-badge" [class.brand]="log.direction === 'IN'" [class.ok]="log.direction === 'OUT'">{{
+          log.direction
+        }}</span>
+        <span class="cic-badge" [class.good]="log.result === 'SUCCESS'" [class.bad]="log.result === 'FAILED'">{{
+          log.result
+        }}</span>
+      </h3>
+      <dl class="cic-kv" style="grid-template-columns: 120px minmax(0, 1fr); margin-bottom: 12px">
+        <dt>Reference</dt>
+        <dd class="cic-mono">{{ log.reference }}</dd>
+        <dt>Call</dt>
+        <dd class="cic-mono">{{ log.method }} {{ log.url }}</dd>
+        <dt>Result</dt>
+        <dd>HTTP {{ log.httpStatus }} in {{ log.durationMs }} ms · {{ log.time | slice: 0 : 16 }}</dd>
+        @if (log.error) {
+          <dt>Error</dt>
+          <dd class="tone-bad">{{ log.error }}</dd>
+        }
+      </dl>
+      <div class="cic-split">
+        <div>
+          <h4 style="margin: 0 0 6px; font-size: 13px">
+            {{ log.direction === 'OUT' ? 'Request headers' : 'Headers received / sent' }}
+            <span class="muted" style="font-weight: 400">(credentials masked)</span>
+          </h4>
+          <pre class="cic-code" style="max-height: 160px">{{ log.requestHeaders }}</pre>
+          <h4 style="margin: 12px 0 6px; font-size: 13px">Request payload</h4>
+          <pre class="cic-code">{{ log.request || '(empty)' }}</pre>
+        </div>
+        <div>
+          <h4 style="margin: 0 0 6px; font-size: 13px">Response headers</h4>
+          <pre class="cic-code" style="max-height: 160px">{{ log.responseHeaders }}</pre>
+          <h4 style="margin: 12px 0 6px; font-size: 13px">Response body</h4>
+          <pre class="cic-code">{{ log.response || '(empty)' }}</pre>
+        </div>
+      </div>
+      <div class="foot">
+        <button class="cic-btn" (click)="closed.emit()">Close</button>
+      </div>
+    </div>
+  </div>
+}

src/app/api-management/api-log-detail/api-log-detail.component.ts

@@ -0,0 +1,25 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, EventEmitter, Input, Output } from '@angular/core';
+
+import { ApiLog } from '../api-management.service';
+
+/** One API call: what was sent and what came back. */
+@Component({
+  selector: 'mifosx-api-log-detail',
+  standalone: true,
+  imports: [CommonModule],
+  templateUrl: './api-log-detail.component.html',
+  styleUrls: ['../../credit-bureau/cic-shared.scss']
+})
+export class ApiLogDetailComponent {
+  @Input() log: ApiLog | null = null;
+  @Output() closed = new EventEmitter<void>();
+}

src/app/api-management/api-logs/api-logs.component.html

@@ -0,0 +1,122 @@
+<!--
+  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="cic-page">
+  <div class="cic-head">
+    <div>
+      <h1>API Call Logs</h1>
+      <p>Every API call the CBS made (OUT) or received (IN), across all vendors, with its request and response.</p>
+    </div>
+    <div class="cic-actions">
+      <a class="cic-btn" routerLink="/api-management/vendors">← All vendors</a>
+    </div>
+  </div>
+
+  <div class="cic-card">
+    <div class="cic-grid cols-4" style="align-items: end">
+      <div class="cic-field">
+        <label>Vendor</label>
+        <select [(ngModel)]="filter.vendorId">
+          <option value="">All vendors</option>
+          @for (v of vendors; track v.id) {
+            <option [value]="v.id">{{ v.name }}</option>
+          }
+        </select>
+      </div>
+      <div class="cic-field">
+        <label>Direction</label>
+        <select [(ngModel)]="filter.direction">
+          <option value="">IN and OUT</option>
+          <option value="IN">IN — received</option>
+          <option value="OUT">OUT — sent</option>
+        </select>
+      </div>
+      <div class="cic-field">
+        <label>Result</label>
+        <select [(ngModel)]="filter.result">
+          <option value="">All</option>
+          <option value="SUCCESS">Success</option>
+          <option value="FAILED">Failed</option>
+        </select>
+      </div>
+      <div class="cic-field">
+        <label>Search</label>
+        <input [(ngModel)]="filter.search" (keyup.enter)="apply()" placeholder="Reference, API, path" />
+      </div>
+    </div>
+    <div class="cic-actions" style="margin-top: 12px; justify-content: flex-end">
+      <button class="cic-btn" (click)="reset()">Reset</button>
+      <button class="cic-btn primary" (click)="apply()">Apply</button>
+    </div>
+  </div>
+
+  <div class="cic-card">
+    <h2>
+      {{ total }} call(s)
+      <span class="cic-card-sub">
+        <span class="tone-good">{{ success }} success</span> ·
+        <span [class.tone-bad]="failed > 0">{{ failed }} failed</span>
+      </span>
+    </h2>
+    @if (loading && !items.length) {
+      <div class="cic-empty">Loading…</div>
+    } @else if (!items.length) {
+      <div class="cic-empty">No call matches the filter.</div>
+    } @else {
+      <div class="cic-table-wrap">
+        <table class="cic-table">
+          <thead>
+            <tr>
+              <th>Time</th>
+              <th>Vendor</th>
+              <th>API</th>
+              <th>Direction</th>
+              <th>Call</th>
+              <th>HTTP</th>
+              <th class="num">ms</th>
+              <th>Result</th>
+              <th>Reference</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (l of items; track l.id) {
+              <tr class="clickable" (click)="openLog = l">
+                <td>{{ l.time | slice: 0 : 16 }}</td>
+                <td>{{ l.vendorName }}</td>
+                <td>{{ l.apiName }}</td>
+                <td>
+                  <span class="cic-badge" [class.brand]="l.direction === 'IN'" [class.ok]="l.direction === 'OUT'">{{
+                    l.direction
+                  }}</span>
+                </td>
+                <td class="cic-mono" style="font-size: 12px">{{ l.method }} {{ l.path }}</td>
+                <td>{{ l.httpStatus }}</td>
+                <td class="num">{{ l.durationMs }}</td>
+                <td>
+                  <span class="cic-badge" [class.good]="l.result === 'SUCCESS'" [class.bad]="l.result === 'FAILED'">{{
+                    l.result
+                  }}</span>
+                </td>
+                <td class="cic-mono" style="font-size: 12px">{{ l.reference }}</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      <div class="cic-pager">
+        <span>{{ offset + 1 }}–{{ offset + items.length }} of {{ total }}</span>
+        <span class="cic-actions">
+          <button class="cic-btn sm" (click)="page(-1)" [disabled]="offset === 0">Previous</button>
+          <button class="cic-btn sm" (click)="page(1)" [disabled]="offset + limit >= total">Next</button>
+        </span>
+      </div>
+    }
+  </div>
+</div>
+
+<mifosx-api-log-detail [log]="openLog" (closed)="openLog = null"></mifosx-api-log-detail>

src/app/api-management/api-logs/api-logs.component.ts

@@ -0,0 +1,77 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { ActivatedRoute, RouterModule } from '@angular/router';
+
+import { ApiLogDetailComponent } from '../api-log-detail/api-log-detail.component';
+import { ApiLog, ApiManagementService, ApiVendor } from '../api-management.service';
+
+/** Every API call, IN and OUT, across all vendors, with its request and response. */
+@Component({
+  selector: 'mifosx-api-logs',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule,
+    ApiLogDetailComponent
+  ],
+  templateUrl: './api-logs.component.html',
+  styleUrls: ['../../credit-bureau/cic-shared.scss']
+})
+export class ApiLogsComponent implements OnInit {
+  private service = inject(ApiManagementService);
+  private route = inject(ActivatedRoute);
+
+  vendors: ApiVendor[] = [];
+  filter = { vendorId: '', direction: '', result: '', search: '' };
+  items: ApiLog[] = [];
+  total = 0;
+  success = 0;
+  failed = 0;
+  offset = 0;
+  readonly limit = 15;
+  loading = false;
+  openLog: ApiLog | null = null;
+
+  ngOnInit(): void {
+    const vendorId = this.route.snapshot.queryParamMap.get('vendorId');
+    if (vendorId) this.filter.vendorId = vendorId;
+    this.service.vendors().subscribe((v) => (this.vendors = v));
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.service.logs({ ...this.filter, offset: this.offset, limit: this.limit }).subscribe((r) => {
+      this.items = r.items;
+      this.total = r.total;
+      this.success = r.success;
+      this.failed = r.failed;
+      this.loading = false;
+    });
+  }
+
+  apply(): void {
+    this.offset = 0;
+    this.load();
+  }
+
+  reset(): void {
+    this.filter = { vendorId: '', direction: '', result: '', search: '' };
+    this.apply();
+  }
+
+  page(delta: number): void {
+    this.offset = Math.max(0, this.offset + delta * this.limit);
+    this.load();
+  }
+}

src/app/api-management/api-management-routing.module.ts

@@ -0,0 +1,58 @@
+/**
+ * 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 { ApiVendorsComponent } from './api-vendors/api-vendors.component';
+import { ApiVendorSetupComponent } from './api-vendor-setup/api-vendor-setup.component';
+import { ApiLogsComponent } from './api-logs/api-logs.component';
+
+const routes: Routes = [
+  Route.withShell([
+    {
+      path: 'api-management',
+      data: { title: 'API Management', breadcrumb: 'API Management' },
+      children: [
+        {
+          path: '',
+          redirectTo: 'vendors',
+          pathMatch: 'full'
+        },
+        {
+          path: 'vendors',
+          data: { breadcrumb: 'Vendors' },
+          children: [
+            {
+              path: '',
+              component: ApiVendorsComponent,
+              data: { title: 'API Vendors & Setup' }
+            },
+            {
+              path: ':id',
+              component: ApiVendorSetupComponent,
+              data: { title: 'Vendor Setup', breadcrumb: 'Setup' }
+            }
+          ]
+        },
+        {
+          path: 'logs',
+          component: ApiLogsComponent,
+          data: { title: 'API Call Logs', breadcrumb: 'Call Logs' }
+        }
+      ]
+    }
+  ])
+];
+
+@NgModule({
+  imports: [RouterModule.forChild(routes)],
+  exports: [RouterModule]
+})
+export class ApiManagementRoutingModule {}

src/app/api-management/api-management.module.ts

@@ -0,0 +1,29 @@
+/**
+ * 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 { ApiManagementRoutingModule } from './api-management-routing.module';
+import { ApiVendorsComponent } from './api-vendors/api-vendors.component';
+import { ApiVendorSetupComponent } from './api-vendor-setup/api-vendor-setup.component';
+import { ApiLogsComponent } from './api-logs/api-logs.component';
+import { ApiLogDetailComponent } from './api-log-detail/api-log-detail.component';
+
+/** API Management: connect any outside API service (CIC, SMS, WhatsApp ...) - vendor, work, API set, IN / OUT. */
+@NgModule({
+  imports: [
+    SharedModule,
+    ApiManagementRoutingModule,
+    ApiVendorsComponent,
+    ApiVendorSetupComponent,
+    ApiLogsComponent,
+    ApiLogDetailComponent
+  ]
+})
+export class ApiManagementModule {}

src/app/api-management/api-vendor-setup/api-vendor-setup.component.html

@@ -0,0 +1,777 @@
+<!--
+  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="cic-page">
+  <div class="cic-head">
+    <div>
+      <h1>{{ vendor?.name || 'Vendor setup' }}</h1>
+      <p>{{ vendor?.work }}</p>
+    </div>
+    <div class="cic-actions">
+      @if (vendor) {
+        <span class="cic-badge" [class.good]="vendor.active">{{ vendor.active ? 'Active' : 'Switched off' }}</span>
+        <span
+          class="cic-badge"
+          [class.warn]="vendor.environment === 'SIMULATOR'"
+          [class.good]="vendor.environment === 'PRODUCTION'"
+          >{{ vendor.environment }}</span
+        >
+      }
+      <a class="cic-btn" routerLink="/api-management/vendors">← All vendors</a>
+    </div>
+  </div>
+
+  @if (error && !editing && !importOpen) {
+    <div class="cic-alert error">{{ error }}</div>
+  }
+  @if (info && !editing) {
+    <div class="cic-alert success">{{ info }}</div>
+  }
+  @if (loading && !vendor) {
+    <div class="cic-card cic-empty">Loading…</div>
+  }
+
+  @if (vendor) {
+    @if (vendor.configNote) {
+      <div class="cic-alert info">{{ vendor.configNote }}</div>
+    }
+    @if (vendor.links.length) {
+      <div class="cic-alert info">
+        {{ vendor.code }} also has its own screens:
+        @for (l of vendor.links; track l.route) {
+          <a class="cic-btn sm" style="margin-left: 6px" [routerLink]="l.route">{{ l.label }}</a>
+        }
+      </div>
+    }
+
+    <div class="cic-tabs">
+      <button [class.active]="tab === 'connection'" (click)="tab = 'connection'">1 · Connection</button>
+      <button [class.active]="tab === 'apis'" (click)="tab = 'apis'">2 · API set ({{ vendor.apis.length }})</button>
+      <button [class.active]="tab === 'test'" (click)="tab = 'test'">3 · Test</button>
+      <button [class.active]="tab === 'calls'" (click)="tab = 'calls'; loadCalls()">Recent calls</button>
+    </div>
+
+    <!-- CONNECTION -->
+    @if (tab === 'connection') {
+      <div class="cic-card">
+        <h2>Vendor and connection</h2>
+        <div class="cic-grid cols-2">
+          <div class="cic-field">
+            <label>Vendor name</label>
+            <input [(ngModel)]="form.name" />
+          </div>
+          <div class="cic-field">
+            <label>Environment</label>
+            <select [(ngModel)]="form.environment">
+              <option value="SIMULATOR">SIMULATOR — no network call</option>
+              <option value="UAT">UAT — vendor's test environment</option>
+              <option value="PRODUCTION">PRODUCTION — live</option>
+            </select>
+          </div>
+          <div class="cic-field" style="grid-column: 1 / -1">
+            <label>Work — what this vendor is used for</label>
+            <input [(ngModel)]="form.work" />
+          </div>
+          <div class="cic-field" style="grid-column: 1 / -1">
+            <label>Base URL</label>
+            <input class="cic-mono" [(ngModel)]="form.baseUrl" placeholder="https://api.vendor.example/v1" />
+            <span class="hint">Every OUT / pull API path is added to this. PRODUCTION needs https://.</span>
+          </div>
+          <div class="cic-field">
+            <label>Authentication</label>
+            <select [(ngModel)]="form.authType">
+              @for (a of authTypes; track a.key) {
+                <option [value]="a.key">{{ a.label }}</option>
+              }
+            </select>
+          </div>
+          @if (form.authType === 'BASIC') {
+            <div class="cic-field">
+              <label>User id</label>
+              <input [(ngModel)]="form.username" autocomplete="off" />
+            </div>
+          }
+          @if (form.authType === 'API_KEY') {
+            <div class="cic-field">
+              <label>API key header name</label>
+              <input class="cic-mono" [(ngModel)]="form.apiKeyHeader" />
+            </div>
+          }
+          @if (needsSecret()) {
+            <div class="cic-field">
+              <label>{{ secretLabel() }}</label>
+              <input
+                type="password"
+                [(ngModel)]="form.secret"
+                autocomplete="new-password"
+                [placeholder]="vendor.hasSecret ? '•••••• stored — leave blank to keep' : 'Enter to store (encrypted)'"
+              />
+              @if (vendor.hasSecret) {
+                <label style="display: flex; gap: 6px; align-items: center; font-weight: 500; font-size: 12px">
+                  <input type="checkbox" [(ngModel)]="form.clearSecret" style="width: auto" /> Remove the stored
+                  credential
+                </label>
+              }
+            </div>
+          }
+          <div class="cic-field">
+            <label>Sender / member id</label>
+            <input [(ngModel)]="form.senderId" />
+            <span class="hint"
+              >The bank's id at this vendor (SMS sender id, WhatsApp number id, CIC member code …).</span
+            >
+          </div>
+          <div class="cic-field">
+            <label>Timeout (ms)</label>
+            <input type="number" min="1000" max="300000" [(ngModel)]="form.timeoutMs" />
+          </div>
+          <div class="cic-field">
+            <label>Retries on failure</label>
+            <input type="number" min="0" max="5" [(ngModel)]="form.retries" />
+          </div>
+          <label style="display: flex; gap: 8px; align-items: center; font-size: 13px">
+            <input type="checkbox" [(ngModel)]="form.active" /> Vendor active
+          </label>
+        </div>
+
+        <h4 style="margin: 18px 0 6px; font-size: 13px">
+          Default headers
+          <span class="muted" style="font-weight: 400"
+            >— sent on every API of this vendor (an API can override one)</span
+          >
+        </h4>
+        <mifosx-api-key-value-editor
+          [rows]="form.defaultHeaders"
+          keyLabel="Header"
+          keyPlaceholder="Accept"
+          addLabel="+ Add header"
+          emptyText="No default header."
+        ></mifosx-api-key-value-editor>
+
+        <div class="cic-actions" style="margin-top: 16px">
+          <button class="cic-btn primary" (click)="saveConnection()" [disabled]="saving">
+            {{ saving ? 'Saving…' : 'Save connection' }}
+          </button>
+          <button class="cic-btn" (click)="tab = 'apis'">Next: API set →</button>
+        </div>
+      </div>
+    }
+
+    <!-- API SET -->
+    @if (tab === 'apis') {
+      <div class="cic-card">
+        <h2>
+          API set
+          <span class="cic-actions">
+            <button class="cic-btn sm" (click)="newApi('OUT')">+ OUT API (CBS calls vendor)</button>
+            <button class="cic-btn sm" (click)="newApi('IN')">+ IN API (data comes into CBS)</button>
+          </span>
+        </h2>
+        @if (!vendor.apis.length) {
+          <div class="cic-empty">
+            No API yet. Add one, then fill it in by hand or read it from a JSON / cURL / Postman file.
+          </div>
+        } @else {
+          <div class="cic-table-wrap">
+            <table class="cic-table">
+              <thead>
+                <tr>
+                  <th>API</th>
+                  <th>Direction</th>
+                  <th>Call</th>
+                  <th>Used for</th>
+                  <th>Headers / query</th>
+                  <th>Mapping</th>
+                  <th>Active</th>
+                  <th></th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (a of vendor.apis; track a.id) {
+                  <tr>
+                    <td>
+                      <b>{{ a.name }}</b>
+                    </td>
+                    <td>
+                      <span class="cic-badge" [class.brand]="a.direction === 'IN'" [class.ok]="a.direction === 'OUT'">{{
+                        a.direction
+                      }}</span>
+                      @if (a.mode) {
+                        <span class="muted" style="font-size: 11px"> {{ a.mode === 'PULL' ? 'pull' : 'push' }}</span>
+                      }
+                    </td>
+                    <td class="cic-mono" style="font-size: 12px">{{ a.method }} {{ a.path }}</td>
+                    <td style="max-width: 260px; white-space: normal">{{ a.usedFor }}</td>
+                    <td>{{ a.headers.length }} / {{ a.queryParams.length }}</td>
+                    <td>{{ a.requestRows.length }} / {{ a.responseRows.length }}</td>
+                    <td>
+                      <span class="cic-badge" [class.good]="a.active">{{ a.active ? 'Yes' : 'Off' }}</span>
+                    </td>
+                    <td style="white-space: nowrap">
+                      <button class="cic-btn sm" (click)="editApi(a)">Edit</button>
+                      <button class="cic-btn sm danger" (click)="deleteApi(a)">✕</button>
+                    </td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        }
+      </div>
+    }
+
+    <!-- TEST -->
+    @if (tab === 'test') {
+      <div class="cic-card">
+        <h2>
+          Test an API
+          <span class="cic-card-sub">simulated — nothing is sent to the vendor; the result is added to the logs</span>
+        </h2>
+        @if (!vendor.apis.length) {
+          <div class="cic-empty">Add an API first.</div>
+        } @else {
+          <div class="cic-field" style="max-width: 420px">
+            <label>API</label>
+            <select [(ngModel)]="testApiId" (ngModelChange)="fillTestBody()">
+              @for (a of vendor.apis; track a.id) {
+                <option [ngValue]="a.id">{{ a.direction }} · {{ a.name }}</option>
+              }
+            </select>
+          </div>
+          @if (testPreview; as p) {
+            <h4 style="margin: 14px 0 6px; font-size: 13px">The request</h4>
+            <pre class="cic-code" style="max-height: 200px">{{ p.method }} {{ p.url }}
+@for (h of p.headers; track h.key) {
+{{ h.key }}: {{ h.value }}
+}</pre>
+          }
+          <div class="cic-field" style="margin-top: 12px">
+            <label>Request body</label>
+            <textarea class="cic-mono" rows="9" [(ngModel)]="testBody"></textarea>
+          </div>
+          <button class="cic-btn primary" style="margin-top: 12px" (click)="runTest()" [disabled]="testing">
+            {{ testing ? 'Sending…' : 'Send test' }}
+          </button>
+        }
+      </div>
+      @if (testResult) {
+        <div class="cic-alert success">
+          {{ testResult.reference }} — HTTP {{ testResult.httpStatus }} in {{ testResult.durationMs }} ms
+        </div>
+        <div class="cic-split">
+          <div class="cic-card">
+            <h2>Response headers</h2>
+            <pre class="cic-code">{{ testResult.responseHeaders }}</pre>
+          </div>
+          <div class="cic-card">
+            <h2>Response body</h2>
+            <pre class="cic-code">{{ testResult.response || '(empty)' }}</pre>
+          </div>
+        </div>
+      }
+    }
+
+    <!-- RECENT CALLS -->
+    @if (tab === 'calls') {
+      <div class="cic-card">
+        <h2>
+          Recent calls
+          <a class="cic-btn sm" routerLink="/api-management/logs" [queryParams]="{ vendorId: vendor.id }">All logs</a>
+        </h2>
+        @if (!calls.length) {
+          <div class="cic-empty">No call yet.</div>
+        } @else {
+          <div class="cic-table-wrap">
+            <table class="cic-table">
+              <thead>
+                <tr>
+                  <th>Time</th>
+                  <th>API</th>
+                  <th>Direction</th>
+                  <th>HTTP</th>
+                  <th class="num">ms</th>
+                  <th>Result</th>
+                  <th>Reference</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (l of calls; track l.id) {
+                  <tr class="clickable" (click)="openLog = l">
+                    <td>{{ l.time | slice: 0 : 16 }}</td>
+                    <td>{{ l.apiName }}</td>
+                    <td>
+                      <span class="cic-badge" [class.brand]="l.direction === 'IN'" [class.ok]="l.direction === 'OUT'">{{
+                        l.direction
+                      }}</span>
+                    </td>
+                    <td>{{ l.httpStatus }}</td>
+                    <td class="num">{{ l.durationMs }}</td>
+                    <td>
+                      <span
+                        class="cic-badge"
+                        [class.good]="l.result === 'SUCCESS'"
+                        [class.bad]="l.result === 'FAILED'"
+                        >{{ l.result }}</span
+                      >
+                    </td>
+                    <td class="cic-mono" style="font-size: 12px">{{ l.reference }}</td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        }
+      </div>
+    }
+  }
+</div>
+
+<!-- API editor -->
+@if (editing) {
+  <div class="cic-modal-backdrop" (click)="editing = null">
+    <div class="cic-modal" style="width: min(1100px, 100%)" (click)="$event.stopPropagation()">
+      <div style="display: flex; justify-content: space-between; gap: 12px; align-items: flex-start">
+        <h3 style="margin: 0">
+          {{ isNewApi ? 'New' : 'Edit' }} API
+          <span class="cic-badge" [class.brand]="editing.direction === 'IN'" [class.ok]="editing.direction === 'OUT'">{{
+            editing.direction
+          }}</span>
+          @if (editing.mode) {
+            <span class="muted" style="font-size: 12px; font-weight: 500">
+              {{ editing.mode === 'PULL' ? 'pull' : 'push' }}</span
+            >
+          }
+        </h3>
+        <button class="cic-btn sm primary" (click)="openImport()">⬆ Import from JSON / cURL / Postman</button>
+      </div>
+      <p class="muted" style="font-size: 12px; margin: 6px 0 10px">
+        @if (editing.direction === 'OUT') {
+          OUT — the CBS calls the vendor: fill the request it sends and the response it expects.
+        } @else if (editing.mode === 'PULL') {
+          IN (pull) — the CBS asks the vendor for data on a schedule: fill the request it sends and the response it
+          reads.
+        } @else {
+          IN (push) — the vendor calls a CBS path: fill what the vendor sends us and what we answer.
+        }
+        Type everything in, or read it from a file with the import button — then check each tab.
+      </p>
+
+      @if (info) {
+        <div class="cic-alert success">{{ info }}</div>
+      }
+      @if (error) {
+        <div class="cic-alert error">{{ error }}</div>
+      }
+
+      <div class="cic-tabs">
+        <button [class.active]="editorTab === 'basics'" (click)="editorTab = 'basics'">1 · Basics</button>
+        <button [class.active]="editorTab === 'request'" (click)="editorTab = 'request'">
+          2 · {{ outbound ? 'Request' : 'What the vendor sends' }}
+        </button>
+        <button [class.active]="editorTab === 'response'" (click)="editorTab = 'response'">
+          3 · {{ outbound ? 'Response' : 'Our answer' }}
+        </button>
+      </div>
+
+      <!-- BASICS -->
+      @if (editorTab === 'basics') {
+        <div class="cic-grid cols-4">
+          <div class="cic-field" style="grid-column: span 2">
+            <label>API name</label>
+            <input [(ngModel)]="editing.name" placeholder="e.g. Send SMS" />
+          </div>
+          <div class="cic-field">
+            <label>Direction</label>
+            <select [(ngModel)]="editing.direction" (ngModelChange)="directionChanged()">
+              <option value="OUT">OUT — CBS calls vendor</option>
+              <option value="IN">IN — data comes into CBS</option>
+            </select>
+          </div>
+          @if (editing.direction === 'IN') {
+            <div class="cic-field">
+              <label>How data arrives</label>
+              <select [(ngModel)]="editing.mode">
+                <option value="PULL">PULL — CBS asks on a schedule</option>
+                <option value="PUSH">PUSH — vendor calls a CBS path</option>
+              </select>
+            </div>
+          } @else {
+            <div></div>
+          }
+          <div class="cic-field">
+            <label>HTTP method</label>
+            <select [(ngModel)]="editing.method">
+              @for (m of methods; track m) {
+                <option [value]="m">{{ m }}</option>
+              }
+            </select>
+          </div>
+          <div class="cic-field" style="grid-column: span 3">
+            <label>{{ outbound ? "Vendor's API path (after the base URL)" : 'CBS path the vendor calls' }}</label>
+            <input
+              class="cic-mono"
+              [(ngModel)]="editing.path"
+              (ngModelChange)="pathChanged()"
+              placeholder="/messages/send"
+            />
+            <span class="hint"
+              >Use {{ '{' }}name{{ '}' }} for a value that changes, e.g. /v21.0/{{ '{' }}senderId{{
+                '}'
+              }}/messages.</span
+            >
+          </div>
+          <div class="cic-field" style="grid-column: span 3">
+            <label>When is it used</label>
+            <input [(ngModel)]="editing.usedFor" placeholder="e.g. OTP and transaction alerts" />
+          </div>
+          <div class="cic-field">
+            <label>Timeout for this API (ms)</label>
+            <input type="number" min="1000" max="300000" [(ngModel)]="editing.timeoutMs" placeholder="vendor's" />
+          </div>
+          <div class="cic-field">
+            <label>Retries for this API</label>
+            <input type="number" min="0" max="5" [(ngModel)]="editing.retries" placeholder="vendor's" />
+          </div>
+        </div>
+        <label style="display: flex; gap: 8px; align-items: center; font-size: 13px; margin: 12px 0">
+          <input type="checkbox" [(ngModel)]="editing.active" /> API active
+        </label>
+
+        @if (preview(editing); as p) {
+          <h4 style="margin: 14px 0 6px; font-size: 13px">
+            {{ outbound ? 'The call as it will go out' : 'The call the vendor will make to us' }}
+            <span class="muted" style="font-weight: 400"> (credentials masked)</span>
+          </h4>
+          <pre class="cic-code" style="max-height: 220px">{{ p.method }} {{ p.url }}
+@for (h of p.headers; track h.key) {
+{{ h.key }}: {{ h.value }}
+}
+{{ p.body }}</pre>
+        }
+      }
+
+      <!-- REQUEST -->
+      @if (editorTab === 'request') {
+        <h4 style="margin: 4px 0 6px; font-size: 13px">Path parameters</h4>
+        <mifosx-api-key-value-editor
+          [rows]="editing.pathParams"
+          keyLabel="Parameter"
+          valueLabel="Value (a CBS placeholder or fixed value)"
+          [fixedKeys]="true"
+          emptyText="The path has no {name} placeholder."
+        ></mifosx-api-key-value-editor>
+
+        <h4 style="margin: 16px 0 6px; font-size: 13px">Query parameters</h4>
+        <mifosx-api-key-value-editor
+          [rows]="editing.queryParams"
+          keyLabel="Parameter"
+          keyPlaceholder="version"
+          addLabel="+ Add query parameter"
+          emptyText="No query parameter."
+        ></mifosx-api-key-value-editor>
+
+        <h4 style="margin: 16px 0 6px; font-size: 13px">
+          Headers
+          <span class="muted" style="font-weight: 400"
+            >— this API's own; the vendor's default headers and its authentication are added automatically</span
+          >
+        </h4>
+        <mifosx-api-key-value-editor
+          [rows]="editing.headers"
+          keyLabel="Header"
+          keyPlaceholder="X-Request-Id"
+          valuePlaceholder="{{ '{{' }}request.reference{{ '}}' }}"
+          addLabel="+ Add header"
+          emptyText="No header of its own."
+        ></mifosx-api-key-value-editor>
+
+        <div class="cic-grid cols-4" style="margin-top: 16px">
+          <div class="cic-field" style="grid-column: span 2">
+            <label>Content type</label>
+            <select [(ngModel)]="editing.contentType">
+              @for (c of contentTypes; track c.key) {
+                <option [value]="c.key">{{ c.label }}</option>
+              }
+            </select>
+          </div>
+        </div>
+
+        <div class="cic-field" style="margin-top: 12px">
+          <label>{{ outbound ? 'Request payload' : 'Payload the vendor sends us' }}</label>
+          <textarea class="cic-mono" rows="10" [(ngModel)]="editing.requestBody"></textarea>
+          <span class="hint">
+            {{
+              outbound
+                ? 'The constant parts of the payload; the mapping below puts CBS values into it.'
+                : 'A sample of what arrives; the mapping reads values out of it.'
+            }}
+          </span>
+        </div>
+
+        <h4 style="margin: 16px 0 6px; font-size: 13px">
+          {{ mappingTitle('request') }}
+          <span class="muted" style="font-weight: 400; font-size: 12px">
+            · {{ matchedCount('request') }} of {{ editing.requestRows.length }} rows found in the sample
+            {{ 'request' === 'request' ? 'payload' : 'body' }}
+          </span>
+          <button class="cic-btn sm" style="margin-left: 8px" (click)="generateRows('request')">
+            Build rows from the payload
+          </button>
+        </h4>
+        <div class="cic-table-wrap">
+          <table class="cic-table">
+            <thead>
+              <tr>
+                <th>{{ fromLabel('request') }}</th>
+                <th>{{ toLabel('request') }}</th>
+                <th>Transform</th>
+                <th>Fixed / default value</th>
+                <th>In the sample payload</th>
+                <th>Required</th>
+                <th style="width: 40px"></th>
+              </tr>
+            </thead>
+            <tbody>
+              @let requestMatch = sampleMatches('request');
+              @for (r of editing.requestRows; track $index; let i = $index) {
+                <tr>
+                  <td>
+                    @if (fromIsCbs('request')) {
+                      <select [(ngModel)]="r.from">
+                        <option value="">— fixed value (set it on the right) —</option>
+                        @for (f of cbsFields; track f.key) {
+                          <option [value]="f.key">{{ f.label }}</option>
+                        }
+                      </select>
+                    } @else {
+                      <input class="cic-mono" [(ngModel)]="r.from" />
+                    }
+                  </td>
+                  <td><input class="cic-mono" [(ngModel)]="r.to" /></td>
+                  <td>
+                    <select [(ngModel)]="r.transform">
+                      @for (t of transforms; track t.key) {
+                        <option [value]="t.key">{{ t.label }}</option>
+                      }
+                    </select>
+                  </td>
+                  <td><input [(ngModel)]="r.defaultValue" /></td>
+                  <td class="cic-mono" style="font-size: 12px; white-space: nowrap">
+                    @if (requestMatch[i].found) {
+                      <span class="tone-good">✓ {{ requestMatch[i].value }}</span>
+                    } @else if (r.defaultValue) {
+                      <span class="muted">fixed: {{ r.defaultValue }}</span>
+                    } @else {
+                      <span class="tone-bad">✗ {{ requestMatch[i].value || 'no path' }}</span>
+                    }
+                  </td>
+                  <td style="text-align: center">
+                    <input type="checkbox" [(ngModel)]="r.mandatory" style="width: auto" />
+                  </td>
+                  <td><button class="cic-btn sm danger" (click)="removeRow('request', i)">✕</button></td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        </div>
+        <button class="cic-btn sm" style="margin-top: 8px" (click)="addRow('request')">+ Add field</button>
+      }
+
+      <!-- RESPONSE -->
+      @if (editorTab === 'response') {
+        <div class="cic-grid cols-4">
+          <div class="cic-field">
+            <label>Success status code(s)</label>
+            <input class="cic-mono" [(ngModel)]="editing.successCodes" placeholder="200, 202" />
+            <span class="hint">{{
+              outbound ? 'Codes the vendor answers with when it worked.' : 'Codes the CBS answers with.'
+            }}</span>
+          </div>
+        </div>
+
+        <h4 style="margin: 16px 0 6px; font-size: 13px">
+          {{ outbound ? 'Response headers' : 'Headers of our answer' }}
+        </h4>
+        <mifosx-api-key-value-editor
+          [rows]="editing.responseHeaders"
+          keyLabel="Header"
+          keyPlaceholder="Content-Type"
+          addLabel="+ Add header"
+          emptyText="No response header noted."
+        ></mifosx-api-key-value-editor>
+
+        <div class="cic-grid cols-2" style="margin-top: 16px">
+          <div class="cic-field">
+            <label>{{ outbound ? 'Success response body' : 'Our answer body' }}</label>
+            <textarea class="cic-mono" rows="10" [(ngModel)]="editing.responseBody"></textarea>
+          </div>
+          <div class="cic-field">
+            <label>Error response body</label>
+            <textarea class="cic-mono" rows="10" [(ngModel)]="editing.errorBody"></textarea>
+            <span class="hint"
+              >What comes back when it fails (wrong key, rate limit …) — shown in the logs for a failed call.</span
+            >
+          </div>
+        </div>
+
+        <h4 style="margin: 16px 0 6px; font-size: 13px">
+          {{ mappingTitle('response') }}
+          <span class="muted" style="font-weight: 400; font-size: 12px">
+            · {{ matchedCount('response') }} of {{ editing.responseRows.length }} rows found in the sample
+            {{ 'response' === 'request' ? 'payload' : 'body' }}
+          </span>
+          <button class="cic-btn sm" style="margin-left: 8px" (click)="generateRows('response')">
+            Build rows from the body
+          </button>
+        </h4>
+        <div class="cic-table-wrap">
+          <table class="cic-table">
+            <thead>
+              <tr>
+                <th>{{ fromLabel('response') }}</th>
+                <th>{{ toLabel('response') }}</th>
+                <th>Transform</th>
+                <th>Fixed / default value</th>
+                <th>In the sample payload</th>
+                <th>Required</th>
+                <th style="width: 40px"></th>
+              </tr>
+            </thead>
+            <tbody>
+              @let responseMatch = sampleMatches('response');
+              @for (r of editing.responseRows; track $index; let i = $index) {
+                <tr>
+                  <td>
+                    @if (fromIsCbs('response')) {
+                      <select [(ngModel)]="r.from">
+                        <option value="">— fixed value (set it on the right) —</option>
+                        @for (f of cbsFields; track f.key) {
+                          <option [value]="f.key">{{ f.label }}</option>
+                        }
+                      </select>
+                    } @else {
+                      <input class="cic-mono" [(ngModel)]="r.from" />
+                    }
+                  </td>
+                  <td><input class="cic-mono" [(ngModel)]="r.to" /></td>
+                  <td>
+                    <select [(ngModel)]="r.transform">
+                      @for (t of transforms; track t.key) {
+                        <option [value]="t.key">{{ t.label }}</option>
+                      }
+                    </select>
+                  </td>
+                  <td><input [(ngModel)]="r.defaultValue" /></td>
+                  <td class="cic-mono" style="font-size: 12px; white-space: nowrap">
+                    @if (responseMatch[i].found) {
+                      <span class="tone-good">✓ {{ responseMatch[i].value }}</span>
+                    } @else if (r.defaultValue) {
+                      <span class="muted">fixed: {{ r.defaultValue }}</span>
+                    } @else {
+                      <span class="tone-bad">✗ {{ responseMatch[i].value || 'no path' }}</span>
+                    }
+                  </td>
+                  <td style="text-align: center">
+                    <input type="checkbox" [(ngModel)]="r.mandatory" style="width: auto" />
+                  </td>
+                  <td><button class="cic-btn sm danger" (click)="removeRow('response', i)">✕</button></td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        </div>
+        <button class="cic-btn sm" style="margin-top: 8px" (click)="addRow('response')">+ Add field</button>
+      }
+
+      <div class="foot">
+        <button class="cic-btn" (click)="editing = null">Cancel</button>
+        <button class="cic-btn primary" (click)="saveApi()" [disabled]="savingApi">
+          {{ savingApi ? 'Saving…' : 'Save API' }}
+        </button>
+      </div>
+    </div>
+  </div>
+}
+
+<!-- Import from JSON / cURL / Postman / HAR -->
+@if (importOpen && editing) {
+  <div class="cic-modal-backdrop" style="z-index: 1100" (click)="importOpen = false">
+    <div class="cic-modal" style="width: min(1000px, 100%)" (click)="$event.stopPropagation()">
+      <h3>Import from JSON / cURL / Postman</h3>
+      <p class="muted" style="font-size: 12px; margin: 0 0 10px">
+        Paste it or choose a file —
+        {{ outbound ? 'the request and the response' : 'what the vendor sends us and what we answer' }}. Any of these
+        works: a <b>cURL</b> command, a <b>Postman</b> collection or request, a <b>HAR</b> capture, an API definition
+        (<code>{{ '{' }} method, url, headers, query, body, status … {{ '}' }}</code
+        >), or just the <b>JSON payload</b>. The method, URL / path, query parameters, headers, content type, payload,
+        status code, response headers, bodies and a first CBS mapping are filled in for you. Passwords, keys and tokens
+        are never kept.
+      </p>
+      @if (importError) {
+        <div class="cic-alert error">{{ importError }}</div>
+      }
+      <div class="cic-grid cols-2">
+        <div class="cic-field">
+          <label
+            >{{ outbound ? 'Request' : 'What the vendor sends us' }} — cURL, Postman, HAR, definition or payload</label
+          >
+          <textarea
+            class="cic-mono"
+            rows="12"
+            [(ngModel)]="importRequestText"
+            placeholder="curl -X POST 'https://api.vendor.in/v1/send' -H 'Content-Type: application/json' -d '{ ... }'"
+          ></textarea>
+          <div style="display: flex; gap: 8px; align-items: center">
+            <input
+              type="file"
+              accept=".json,.txt,.curl,.har,.sh,application/json,text/plain"
+              (change)="onFile($event, 'request')"
+            />
+            @if (importRequestFile) {
+              <span class="muted" style="font-size: 12px">{{ importRequestFile }}</span>
+            }
+          </div>
+        </div>
+        <div class="cic-field">
+          <label>{{ outbound ? 'Response' : 'Our answer' }} — JSON body, or with status and headers (optional)</label>
+          <textarea
+            class="cic-mono"
+            rows="12"
+            [(ngModel)]="importResponseText"
+            placeholder='{ "status": 200, "headers": { "Content-Type": "application/json" }, "body": { ... } }'
+          ></textarea>
+          <div style="display: flex; gap: 8px; align-items: center">
+            <input
+              type="file"
+              accept=".json,.txt,.har,application/json,text/plain"
+              (change)="onFile($event, 'response')"
+            />
+            @if (importResponseFile) {
+              <span class="muted" style="font-size: 12px">{{ importResponseFile }}</span>
+            }
+          </div>
+        </div>
+      </div>
+      <div style="display: flex; gap: 20px; flex-wrap: wrap; margin-top: 12px; font-size: 13px">
+        <label style="display: flex; gap: 6px; align-items: center">
+          <input type="checkbox" [(ngModel)]="importReplace" /> Replace what is there now (headers, query, mapping rows)
+          — untick to add to it
+        </label>
+        <label style="display: flex; gap: 6px; align-items: center">
+          <input type="checkbox" [(ngModel)]="importGenerate" /> Build the CBS field mapping from the payloads
+        </label>
+      </div>
+      <div class="foot">
+        <button class="cic-btn" (click)="importOpen = false">Cancel</button>
+        <button class="cic-btn primary" (click)="applyImport()">Read and fill in</button>
+      </div>
+    </div>
+  </div>
+}
+
+<mifosx-api-log-detail [log]="openLog" (closed)="openLog = null"></mifosx-api-log-detail>

src/app/api-management/api-vendor-setup/api-vendor-setup.component.ts

@@ -0,0 +1,600 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { ActivatedRoute, RouterModule } from '@angular/router';
+
+import { ApiKeyValueEditorComponent } from '../api-key-value-editor/api-key-value-editor.component';
+import { ApiLogDetailComponent } from '../api-log-detail/api-log-detail.component';
+import {
+  guessRequestRows,
+  guessResponseRows,
+  ImportedRequest,
+  ImportedResponse,
+  parseRequestText,
+  parseResponseText
+} from '../api-import.util';
+import {
+  API_AUTH_TYPES,
+  API_CBS_FIELDS,
+  API_CONTENT_TYPES,
+  API_METHODS,
+  API_TRANSFORMS,
+  ApiLog,
+  ApiManagementService,
+  ApiMappingRow,
+  ApiVendor,
+  blankApi,
+  buildRequestPreview,
+  callsVendor,
+  KeyValue,
+  pathParamNames,
+  RequestPreview,
+  VendorApi
+} from '../api-management.service';
+
+/**
+ * One vendor's setup: its connection (URL, authentication, default headers, credentials), its API set - each API IN or
+ * OUT with the full HTTP detail and the field mapping, typed in or read from a JSON / cURL / Postman / HAR file - a
+ * test call, and its recent calls.
+ */
+@Component({
+  selector: 'mifosx-api-vendor-setup',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule,
+    ApiLogDetailComponent,
+    ApiKeyValueEditorComponent
+  ],
+  templateUrl: './api-vendor-setup.component.html',
+  styleUrls: ['../../credit-bureau/cic-shared.scss']
+})
+export class ApiVendorSetupComponent implements OnInit {
+  private service = inject(ApiManagementService);
+  private route = inject(ActivatedRoute);
+
+  vendor: ApiVendor | null = null;
+  tab: 'connection' | 'apis' | 'test' | 'calls' = 'connection';
+  loading = false;
+  error: string | null = null;
+  info: string | null = null;
+
+  // connection
+  form: any = {};
+  saving = false;
+
+  // API set
+  editing: VendorApi | null = null;
+  isNewApi = false;
+  savingApi = false;
+  editorTab: 'basics' | 'request' | 'response' = 'basics';
+
+  // import from JSON / cURL / Postman / HAR
+  importOpen = false;
+  importRequestText = '';
+  importResponseText = '';
+  importRequestFile = '';
+  importResponseFile = '';
+  importReplace = true;
+  importGenerate = true;
+  importError: string | null = null;
+
+  // test
+  testApiId: number | null = null;
+  testBody = '';
+  testing = false;
+  testResult: ApiLog | null = null;
+
+  // calls
+  calls: ApiLog[] = [];
+  openLog: ApiLog | null = null;
+
+  readonly authTypes = Object.entries(API_AUTH_TYPES).map(
+    ([
+      key,
+      label
+    ]) => ({ key, label })
+  );
+  readonly contentTypes = Object.entries(API_CONTENT_TYPES).map(
+    ([
+      key,
+      label
+    ]) => ({ key, label })
+  );
+  readonly transforms = Object.entries(API_TRANSFORMS).map(
+    ([
+      key,
+      label
+    ]) => ({ key, label })
+  );
+  readonly cbsFields = Object.entries(API_CBS_FIELDS).map(
+    ([
+      key,
+      label
+    ]) => ({ key, label })
+  );
+  readonly methods = API_METHODS;
+
+  ngOnInit(): void {
+    this.load(Number(this.route.snapshot.paramMap.get('id')));
+  }
+
+  load(id: number): void {
+    this.loading = true;
+    this.service.vendor(id).subscribe({
+      next: (v) => {
+        this.vendor = v;
+        this.loading = false;
+        this.resetForm(v);
+        if (!this.testApiId || !v.apis.some((a) => a.id === this.testApiId)) this.testApiId = v.apis[0]?.id ?? null;
+        this.fillTestBody();
+        this.loadCalls();
+      },
+      error: (e) => {
+        this.loading = false;
+        this.error = e?.error?.defaultUserMessage ?? 'Could not load the vendor.';
+      }
+    });
+  }
+
+  private resetForm(v: ApiVendor): void {
+    this.form = {
+      name: v.name,
+      work: v.work,
+      environment: v.environment,
+      baseUrl: v.baseUrl,
+      authType: v.authType,
+      username: v.username,
+      apiKeyHeader: v.apiKeyHeader,
+      secret: '',
+      clearSecret: false,
+      senderId: v.senderId,
+      timeoutMs: v.timeoutMs,
+      retries: v.retries,
+      defaultHeaders: JSON.parse(JSON.stringify(v.defaultHeaders)),
+      active: v.active
+    };
+  }
+
+  loadCalls(): void {
+    if (!this.vendor) return;
+    this.service.logs({ vendorId: String(this.vendor.id), limit: 12 }).subscribe((r) => (this.calls = r.items));
+  }
+
+  // ── connection ──
+
+  needsSecret(): boolean {
+    return this.form.authType !== 'NONE';
+  }
+
+  secretLabel(): string {
+    const a = this.form.authType;
+    return a === 'BASIC'
+      ? 'Password'
+      : a === 'API_KEY'
+        ? 'API key'
+        : a === 'BEARER_TOKEN'
+          ? 'Bearer token'
+          : 'Client secret';
+  }
+
+  saveConnection(): void {
+    if (!this.vendor) return;
+    this.saving = true;
+    this.error = null;
+    this.info = null;
+    const body = { ...this.form };
+    if (!body.secret) delete body.secret;
+    this.service.saveVendor(this.vendor.id, body).subscribe({
+      next: (v) => {
+        this.saving = false;
+        this.vendor = v;
+        this.resetForm(v);
+        this.info = `${v.name} connection saved.`;
+      },
+      error: (e) => {
+        this.saving = false;
+        this.error = e?.error?.defaultUserMessage ?? 'Could not save the connection.';
+      }
+    });
+  }
+
+  // ── API set ──
+
+  newApi(direction: 'IN' | 'OUT'): void {
+    this.isNewApi = true;
+    this.error = null;
+    this.info = null;
+    this.editorTab = 'basics';
+    this.editing = blankApi(direction);
+  }
+
+  editApi(a: VendorApi): void {
+    this.isNewApi = false;
+    this.error = null;
+    this.info = null;
+    this.editorTab = 'basics';
+    this.editing = JSON.parse(JSON.stringify(a));
+  }
+
+  /** True when the CBS makes the HTTP call (OUT, or IN pull); false for an IN push webhook. */
+  get outbound(): boolean {
+    return !!this.editing && callsVendor(this.editing);
+  }
+
+  directionChanged(): void {
+    if (!this.editing) return;
+    this.editing.mode = this.editing.direction === 'IN' ? (this.editing.mode ?? 'PUSH') : undefined;
+  }
+
+  /** Keeps the path-parameter table in step with the {names} typed in the path. */
+  pathChanged(): void {
+    if (!this.editing) return;
+    const names = pathParamNames(this.editing.path);
+    const kept = this.editing.pathParams.filter((p) => names.includes(p.key));
+    for (const n of names) {
+      if (!kept.some((p) => p.key === n))
+        kept.push({ key: n, value: '', description: '', enabled: true, secret: false });
+    }
+    this.editing.pathParams = kept;
+  }
+
+  rowsOf(side: 'request' | 'response'): ApiMappingRow[] {
+    if (!this.editing) return [];
+    return side === 'request' ? this.editing.requestRows : this.editing.responseRows;
+  }
+
+  /** Whether the left column of a mapping table holds a CBS value (a pick list) or a path in the vendor's JSON. */
+  fromIsCbs(side: 'request' | 'response'): boolean {
+    return this.outbound ? side === 'request' : side === 'response';
+  }
+
+  mappingTitle(side: 'request' | 'response'): string {
+    if (this.outbound) return side === 'request' ? 'Request mapping (CBS → vendor)' : 'Response mapping (vendor → CBS)';
+    return side === 'request' ? 'Incoming data mapping (vendor → CBS)' : 'Answer mapping (CBS → vendor)';
+  }
+
+  fromLabel(side: 'request' | 'response'): string {
+    return this.fromIsCbs(side) ? 'CBS value' : "Vendor's JSON path";
+  }
+
+  toLabel(side: 'request' | 'response'): string {
+    if (this.fromIsCbs(side)) return side === 'request' ? "Vendor's request path" : 'Answer path';
+    return 'CBS field';
+  }
+
+  private parsedCache = new Map<string, unknown>();
+
+  private parsed(text: string): unknown {
+    if (!this.parsedCache.has(text)) {
+      let v: unknown = undefined;
+      try {
+        v = JSON.parse(text);
+      } catch {
+        v = undefined;
+      }
+      if (this.parsedCache.size > 20) this.parsedCache.clear();
+      this.parsedCache.set(text, v);
+    }
+    return this.parsedCache.get(text);
+  }
+
+  /** Reads a.b[0].c out of a parsed payload; undefined when it is not there. */
+  private readPath(root: unknown, path: string): unknown {
+    let cur: any = root;
+    for (const part of path.match(/[^.[\]]+/g) ?? []) {
+      if (cur === null || cur === undefined) return undefined;
+      cur = cur[/^\d+$/.test(part) ? Number(part) : part];
+    }
+    return cur;
+  }
+
+  /**
+   * How a mapping row matches the sample payload on its side: the value found at the row's JSON path. Rows after a
+   * list (e.g. data.alerts) are read from the first item of that list, as the CBS does for each item.
+   */
+  sampleMatches(side: 'request' | 'response'): { found: boolean; value: string }[] {
+    if (!this.editing) return [];
+    const body = this.parsed(side === 'request' ? this.editing.requestBody : this.editing.responseBody);
+    const pathIsTo = this.fromIsCbs(side);
+    let item: unknown = undefined;
+    return this.rowsOf(side).map((r) => {
+      const path = (pathIsTo ? r.to : r.from).trim();
+      if (!path || body === undefined) return { found: false, value: body === undefined ? 'payload is not JSON' : '' };
+      let v = this.readPath(body, path);
+      if (v === undefined && item !== undefined) v = this.readPath(item, path);
+      if (Array.isArray(v)) {
+        if (item === undefined && v.length) item = v[0];
+        return { found: true, value: `list of ${v.length}` };
+      }
+      if (v === undefined) return { found: false, value: 'not in the sample payload' };
+      const text = typeof v === 'object' ? JSON.stringify(v) : String(v);
+      return { found: true, value: text.length > 40 ? text.slice(0, 40) + '…' : text };
+    });
+  }
+
+  matchedCount(side: 'request' | 'response'): number {
+    return this.sampleMatches(side).filter((m) => m.found).length;
+  }
+
+  addRow(side: 'request' | 'response'): void {
+    this.rowsOf(side).push({ from: '', to: '', transform: 'NONE', defaultValue: '', mandatory: false });
+  }
+
+  removeRow(side: 'request' | 'response', i: number): void {
+    this.rowsOf(side).splice(i, 1);
+  }
+
+  /** Builds mapping rows from the payload typed or imported for that side. */
+  generateRows(side: 'request' | 'response'): void {
+    if (!this.editing || !this.vendor) return;
+    const body = side === 'request' ? this.editing.requestBody : this.editing.responseBody;
+    // Reading values OUT of a payload (vendor → CBS) vs putting values INTO one (CBS → vendor).
+    const reading = !this.fromIsCbs(side);
+    const rows = reading ? guessResponseRows(body, this.vendor.code) : guessRequestRows(body);
+    if (!rows.length) {
+      this.error = 'That payload has no JSON values to build a mapping from.';
+      return;
+    }
+    this.error = null;
+    const target = this.rowsOf(side);
+    const have = new Set(target.map((r) => r.to));
+    target.push(...rows.filter((r) => !have.has(r.to)));
+    this.info = `${rows.length} mapping row(s) read from the payload. Review the CBS fields and adjust.`;
+  }
+
+  saveApi(): void {
+    if (!this.vendor || !this.editing) return;
+    this.savingApi = true;
+    this.error = null;
+    this.service.saveApi(this.vendor.id, this.editing).subscribe({
+      next: (a) => {
+        this.savingApi = false;
+        this.info = `${a.name} saved.`;
+        this.editing = null;
+        this.load(this.vendor!.id);
+      },
+      error: (e) => {
+        this.savingApi = false;
+        this.error = e?.error?.defaultUserMessage ?? 'Could not save the API.';
+      }
+    });
+  }
+
+  deleteApi(a: VendorApi): void {
+    if (!this.vendor || !confirm(`Delete the API "${a.name}"?`)) return;
+    this.service.deleteApi(this.vendor.id, a.id).subscribe(() => {
+      this.editing = null;
+      this.info = `${a.name} deleted.`;
+      this.load(this.vendor!.id);
+    });
+  }
+
+  /** The request this API would send (or receive), as the Test tab and the editor show it. */
+  preview(a: VendorApi | null): RequestPreview | null {
+    return this.vendor && a ? buildRequestPreview(this.vendor, a) : null;
+  }
+
+  // ── import ──
+
+  openImport(): void {
+    this.importOpen = true;
+    this.importError = null;
+    this.importReplace = this.isNewApi;
+    this.importRequestText = '';
+    this.importResponseText = '';
+    this.importRequestFile = '';
+    this.importResponseFile = '';
+  }
+
+  onFile(event: Event, which: 'request' | 'response'): void {
+    const input = event.target as HTMLInputElement;
+    const file = input.files?.[0];
+    if (!file) return;
+    if (file.size > 5 * 1024 * 1024) {
+      this.importError = 'The file is larger than 5 MB.';
+      return;
+    }
+    const reader = new FileReader();
+    reader.onload = () => {
+      const text = String(reader.result ?? '');
+      if (which === 'request') {
+        this.importRequestText = text;
+        this.importRequestFile = file.name;
+      } else {
+        this.importResponseText = text;
+        this.importResponseFile = file.name;
+      }
+    };
+    reader.readAsText(file);
+    input.value = '';
+  }
+
+  applyImport(): void {
+    if (!this.editing || !this.vendor) return;
+    this.importError = null;
+    let req: ImportedRequest | null = null;
+    let res: ImportedResponse | null = null;
+    try {
+      if (this.importRequestText.trim()) req = parseRequestText(this.importRequestText);
+      if (this.importResponseText.trim()) res = parseResponseText(this.importResponseText);
+      else if (req?.response) res = req.response;
+    } catch (e: any) {
+      this.importError = e?.message ?? 'Could not read the file.';
+      return;
+    }
+    if (!req && !res) {
+      this.importError = 'Paste or choose a request, a response, or both.';
+      return;
+    }
+
+    const a = this.editing;
+    const done: string[] = [];
+    const notes: string[] = [
+      ...(req?.notes ?? []),
+      ...(res?.notes ?? [])
+    ];
+    const replace = this.importReplace;
+
+    const mergePairs = (target: KeyValue[], incoming: KeyValue[]): KeyValue[] => {
+      if (replace) return incoming;
+      const out = [...target];
+      for (const p of incoming) {
+        const i = out.findIndex((x) => x.key.toLowerCase() === p.key.toLowerCase());
+        if (i >= 0) out[i] = p;
+        else out.push(p);
+      }
+      return out;
+    };
+
+    if (req) {
+      if (req.method && this.methods.includes(req.method)) {
+        a.method = req.method as VendorApi['method'];
+        done.push(`method ${req.method}`);
+      }
+      if (req.path && req.path !== '/') {
+        a.path = this.stripVendorBasePath(req.path);
+        done.push(`path ${a.path}`);
+      }
+      if (req.baseUrl) {
+        if (!this.form.baseUrl) {
+          this.form.baseUrl = req.baseUrl;
+          notes.push(`Base URL ${req.baseUrl} was put on the Connection tab - save it there.`);
+        } else if (this.form.baseUrl.replace(/\/+$/, '') !== req.baseUrl) {
+          notes.push(
+            `The file's host (${req.baseUrl}) is not this vendor's base URL (${this.form.baseUrl}); only the path was used.`
+          );
+        }
+      }
+      if (req.queryParams.length) {
+        a.queryParams = mergePairs(a.queryParams, req.queryParams);
+        done.push(`${req.queryParams.length} query parameter(s)`);
+      }
+      if (req.headers.length) {
+        a.headers = mergePairs(a.headers, req.headers);
+        done.push(`${req.headers.length} header(s)`);
+      }
+      if (req.contentType) {
+        a.contentType = Object.keys(API_CONTENT_TYPES).includes(req.contentType) ? req.contentType : a.contentType;
+        done.push(`content type ${a.contentType}`);
+      }
+      if (req.body !== undefined) {
+        a.requestBody = req.body;
+        done.push('request payload');
+      }
+      if (!a.name.trim() && a.path) {
+        const last =
+          a.path
+            .split('/')
+            .filter((s) => s && !s.includes('{'))
+            .pop() ?? 'API';
+        a.name = last.charAt(0).toUpperCase() + last.slice(1).replace(/[-_]+/g, ' ');
+      }
+      this.pathChanged();
+    }
+
+    if (res) {
+      const failure = res.status !== undefined && (res.status < 200 || res.status > 299);
+      if (res.status !== undefined && !failure) {
+        a.successCodes = String(res.status);
+        done.push(`success code ${res.status}`);
+      }
+      if (res.headers.length) {
+        a.responseHeaders = mergePairs(a.responseHeaders, res.headers);
+        done.push(`${res.headers.length} response header(s)`);
+      }
+      if (res.body !== undefined) {
+        if (failure) {
+          a.errorBody = res.body;
+          done.push(`error body (HTTP ${res.status})`);
+        } else {
+          a.responseBody = res.body;
+          done.push('response body');
+        }
+      }
+      if (res.errorBody !== undefined) {
+        a.errorBody = res.errorBody;
+        done.push('error body');
+      }
+    }
+
+    if (this.importGenerate) {
+      const addRows = (side: 'request' | 'response', body: string) => {
+        const reading = !this.fromIsCbs(side);
+        const rows = reading ? guessResponseRows(body, this.vendor!.code) : guessRequestRows(body);
+        if (!rows.length) return;
+        const target = replace ? [] : this.rowsOf(side);
+        const have = new Set(target.map((r) => r.to));
+        const merged = [
+          ...target,
+          ...rows.filter((r) => !have.has(r.to))
+        ];
+        if (side === 'request') a.requestRows = merged;
+        else a.responseRows = merged;
+        done.push(`${rows.length} ${side === 'request' ? 'request' : 'response'} mapping row(s)`);
+      };
+      if (req?.body !== undefined) addRows('request', a.requestBody);
+      if (res?.body !== undefined && !(res.status !== undefined && (res.status < 200 || res.status > 299)))
+        addRows('response', a.responseBody);
+    }
+
+    this.importOpen = false;
+    this.error = null;
+    this.info = `Read from ${[
+      req?.source,
+      res?.source
+    ]
+      .filter(Boolean)
+      .join(' + ')}: ${done.join(', ') || 'nothing new'}. ${notes.join(' ')} Review each tab, then Save API.`;
+  }
+
+  /** A path read from a full URL may repeat the path already in the vendor's base URL. */
+  private stripVendorBasePath(path: string): string {
+    const base = String(this.form.baseUrl ?? '');
+    const m = /^[a-zA-Z][a-zA-Z0-9+.-]*:\/\/[^/]+(\/.+)$/.exec(base.replace(/\/+$/, ''));
+    if (m && path.startsWith(m[1] + '/')) return path.slice(m[1].length);
+    return path;
+  }
+
+  // ── test ──
+
+  get testApi(): VendorApi | null {
+    return this.vendor?.apis.find((x) => x.id === this.testApiId) ?? null;
+  }
+
+  fillTestBody(): void {
+    this.testBody = this.testApi?.requestBody ?? '{}';
+    this.testResult = null;
+  }
+
+  get testPreview(): RequestPreview | null {
+    const a = this.testApi;
+    return this.vendor && a ? buildRequestPreview(this.vendor, { ...a, requestBody: this.testBody }) : null;
+  }
+
+  runTest(): void {
+    if (!this.vendor || !this.testApiId) return;
+    this.testing = true;
+    this.error = null;
+    this.service.testApi(this.vendor.id, this.testApiId, this.testBody).subscribe({
+      next: (log) => {
+        this.testing = false;
+        this.testResult = log;
+        this.loadCalls();
+      },
+      error: (e) => {
+        this.testing = false;
+        this.error = e?.error?.defaultUserMessage ?? 'Test failed.';
+      }
+    });
+  }
+}

src/app/api-management/api-vendors/api-vendors.component.html

@@ -0,0 +1,172 @@
+<!--
+  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="cic-page">
+  <div class="cic-head">
+    <div>
+      <h1>API Management</h1>
+      <p>
+        Connect any API service to the CBS the same way: <b>Vendor → Work → API set</b>. <b>IN</b> = data comes into the
+        CBS from the vendor (CIC alerts, delivery reports, replies). <b>OUT</b> = the CBS calls the vendor (send an SMS
+        or WhatsApp message).
+      </p>
+    </div>
+    <div class="cic-actions">
+      <a class="cic-btn" routerLink="/api-management/logs">API call logs</a>
+      <button class="cic-btn primary" (click)="startAdd()">+ Add vendor</button>
+    </div>
+  </div>
+
+  @if (error && !adding) {
+    <div class="cic-alert error">{{ error }}</div>
+  }
+  @if (info) {
+    <div class="cic-alert success">{{ info }}</div>
+  }
+
+  <div class="cic-grid cols-4" style="margin-bottom: 16px">
+    <div class="cic-stat">
+      <div class="k">Vendors</div>
+      <div class="v">{{ vendors.length }}</div>
+      <div class="s">{{ activeVendors }} active</div>
+    </div>
+    <div class="cic-stat">
+      <div class="k">APIs</div>
+      <div class="v">{{ totalIn + totalOut }}</div>
+      <div class="s">{{ totalIn }} IN · {{ totalOut }} OUT</div>
+    </div>
+    <div class="cic-stat">
+      <div class="k">Calls in 24 hours</div>
+      <div class="v">{{ summary.callsToday }}</div>
+      <div class="s">both directions</div>
+    </div>
+    <div class="cic-stat">
+      <div class="k">Failed in 24 hours</div>
+      <div class="v" [class.tone-bad]="summary.failedToday > 0">{{ summary.failedToday }}</div>
+      <div class="s">see the call logs</div>
+    </div>
+  </div>
+
+  <div class="cic-card">
+    <h2>Vendors</h2>
+    @if (loading && !vendors.length) {
+      <div class="cic-empty">Loading…</div>
+    } @else {
+      <div class="cic-table-wrap">
+        <table class="cic-table">
+          <thead>
+            <tr>
+              <th>Vendor</th>
+              <th>Work</th>
+              <th>APIs</th>
+              <th>Environment</th>
+              <th>24 h calls</th>
+              <th>Last call</th>
+              <th>Active</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (v of vendors; track v.id) {
+              <tr>
+                <td>
+                  <b>{{ v.name }}</b>
+                  <div class="muted cic-mono" style="font-size: 11px">{{ v.code }}</div>
+                </td>
+                <td style="max-width: 340px; white-space: normal">{{ v.work }}</td>
+                <td>
+                  @if (count(v, 'IN')) {
+                    <span class="cic-badge brand">IN × {{ count(v, 'IN') }}</span>
+                  }
+                  @if (count(v, 'OUT')) {
+                    <span class="cic-badge ok">OUT × {{ count(v, 'OUT') }}</span>
+                  }
+                  @if (!v.apis.length) {
+                    <span class="muted">none yet</span>
+                  }
+                </td>
+                <td>
+                  <span
+                    class="cic-badge"
+                    [class.warn]="v.environment === 'SIMULATOR'"
+                    [class.good]="v.environment === 'PRODUCTION'"
+                    >{{ v.environment }}</span
+                  >
+                </td>
+                <td>
+                  {{ calls(v).calls }}
+                  @if (calls(v).failed) {
+                    <span class="tone-bad" style="font-size: 12px"> · {{ calls(v).failed }} failed</span>
+                  }
+                </td>
+                <td>{{ v.lastCallOn ? (v.lastCallOn | slice: 0 : 16) : '—' }}</td>
+                <td>
+                  <span class="cic-switch">
+                    <input type="checkbox" [checked]="v.active" (change)="toggle(v, $event)" />
+                    <span></span>
+                  </span>
+                </td>
+                <td style="white-space: nowrap">
+                  <a class="cic-btn sm primary" [routerLink]="['/api-management/vendors', v.id]">Set up</a>
+                </td>
+              </tr>
+              @if (v.links.length) {
+                <tr>
+                  <td colspan="8" style="background: var(--cic-soft); padding: 6px 12px">
+                    <span class="muted" style="font-size: 12px">{{ v.code }} also has:</span>
+                    @for (l of v.links; track l.route) {
+                      <a class="cic-btn sm" style="margin-left: 6px" [routerLink]="l.route">{{ l.label }}</a>
+                    }
+                  </td>
+                </tr>
+              }
+            }
+          </tbody>
+        </table>
+      </div>
+    }
+  </div>
+
+  @if (adding) {
+    <div class="cic-modal-backdrop" (click)="adding = false">
+      <div class="cic-modal" (click)="$event.stopPropagation()">
+        <h3>Add an API vendor</h3>
+        @if (error) {
+          <div class="cic-alert error">{{ error }}</div>
+        }
+        <div class="cic-grid cols-1" style="gap: 12px">
+          <div class="cic-field">
+            <label>Vendor name</label>
+            <input [(ngModel)]="form.name" placeholder="e.g. Aadhaar eKYC, Payment gateway, E-mail" />
+          </div>
+          <div class="cic-field">
+            <label>Work — what is this vendor used for?</label>
+            <textarea rows="3" [(ngModel)]="form.work" placeholder="e.g. Verify customer Aadhaar during KYC"></textarea>
+          </div>
+          <div class="cic-field">
+            <label>Environment</label>
+            <select [(ngModel)]="form.environment">
+              <option value="SIMULATOR">SIMULATOR — no network call</option>
+              <option value="UAT">UAT — vendor's test environment</option>
+              <option value="PRODUCTION">PRODUCTION — live</option>
+            </select>
+          </div>
+        </div>
+        <p class="muted" style="font-size: 12px; margin: 12px 0 0">
+          Next you set up the connection and add its APIs, each marked IN or OUT.
+        </p>
+        <div class="foot">
+          <button class="cic-btn" (click)="adding = false">Cancel</button>
+          <button class="cic-btn primary" (click)="saveNew()" [disabled]="saving">
+            {{ saving ? 'Adding…' : 'Add and set up' }}
+          </button>
+        </div>
+      </div>
+    </div>
+  }
+</div>

src/app/api-management/api-vendors/api-vendors.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 { CommonModule } from '@angular/common';
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { Router, RouterModule } from '@angular/router';
+
+import { ApiManagementService, ApiVendor } from '../api-management.service';
+
+/** Every outside API service the CBS uses: vendor, its work, its APIs (IN / OUT) and whether it is switched on. */
+@Component({
+  selector: 'mifosx-api-vendors',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule
+  ],
+  templateUrl: './api-vendors.component.html',
+  styleUrls: ['../../credit-bureau/cic-shared.scss']
+})
+export class ApiVendorsComponent implements OnInit {
+  private service = inject(ApiManagementService);
+  private router = inject(Router);
+
+  vendors: ApiVendor[] = [];
+  summary: { callsToday: number; failedToday: number; perVendor: Record<number, { calls: number; failed: number }> } = {
+    callsToday: 0,
+    failedToday: 0,
+    perVendor: {}
+  };
+  loading = false;
+  error: string | null = null;
+  info: string | null = null;
+
+  adding = false;
+  saving = false;
+  form: { name: string; work: string; environment: ApiVendor['environment'] } = this.blankForm();
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  private blankForm() {
+    return { name: '', work: '', environment: 'SIMULATOR' as ApiVendor['environment'] };
+  }
+
+  load(): void {
+    this.loading = true;
+    this.service.vendors().subscribe((v) => {
+      this.vendors = v;
+      this.loading = false;
+    });
+    this.service.summary().subscribe((s) => (this.summary = s));
+  }
+
+  count(v: ApiVendor, direction: 'IN' | 'OUT'): number {
+    return v.apis.filter((a) => a.direction === direction).length;
+  }
+
+  get totalIn(): number {
+    return this.vendors.reduce((s, v) => s + this.count(v, 'IN'), 0);
+  }
+
+  get totalOut(): number {
+    return this.vendors.reduce((s, v) => s + this.count(v, 'OUT'), 0);
+  }
+
+  get activeVendors(): number {
+    return this.vendors.filter((v) => v.active).length;
+  }
+
+  calls(v: ApiVendor): { calls: number; failed: number } {
+    return this.summary.perVendor[v.id] ?? { calls: 0, failed: 0 };
+  }
+
+  toggle(v: ApiVendor, event: Event): void {
+    const want = (event.target as HTMLInputElement).checked;
+    (event.target as HTMLInputElement).checked = v.active;
+    this.error = null;
+    this.info = null;
+    this.service.saveVendor(v.id, { active: want }).subscribe({
+      next: (u) => {
+        v.active = u.active;
+        this.info = `${u.name} is now ${u.active ? 'active' : 'switched off'}.`;
+      },
+      error: (e) => (this.error = e?.error?.defaultUserMessage ?? 'Could not change the vendor.')
+    });
+  }
+
+  startAdd(): void {
+    this.adding = true;
+    this.form = this.blankForm();
+    this.error = null;
+  }
+
+  saveNew(): void {
+    this.saving = true;
+    this.error = null;
+    this.service.addVendor(this.form).subscribe({
+      next: (v) => {
+        this.saving = false;
+        this.adding = false;
+        this.router.navigate([
+          '/api-management/vendors',
+          v.id
+        ]);
+      },
+      error: (e) => {
+        this.saving = false;
+        this.error = e?.error?.defaultUserMessage ?? 'Could not add the vendor.';
+      }
+    });
+  }
+}

src/app/app.module.ts

@@ -73,10 +73,13 @@ 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 { CreditBureauModule } from './credit-bureau/credit-bureau.module';
+import { ApiManagementModule } from './api-management/api-management.module';
 import { DigitalModule } from './digital/digital.module';
 import { LetterMgmtModule } from './letter-mgmt/letter-mgmt.module';
 import { AccountsModule } from './accounts/accounts.module';
 import { ElectionModule } from './election/election.module';
+import { LoanEligibilityModule } from './loan-eligibility/loan-eligibility.module';
 import { SponsorDDModule } from './sponsor-dd/sponsor-dd.module';
 import { SponsorDDReconciliationModule } from './sponsor-dd-reconciliation/sponsor-dd-reconciliation.module';
 import { PortalModule } from '@angular/cdk/portal';
@@ -189,10 +192,13 @@ export function HttpLoaderFactory(http: HttpClient) {
     NpaModule,
     ReconciliationModule,
     LoanOriginationModule,
+    CreditBureauModule,
+    ApiManagementModule,
     DigitalModule,
     LetterMgmtModule,
     AccountsModule,
     ElectionModule,
+    LoanEligibilityModule,
     SponsorDDModule,
     SponsorDDReconciliationModule,
     AppRoutingModule,

src/app/cashier/transaction-entry/transaction-entry.component.html

@@ -132,8 +132,8 @@
                       <select
                         class="ws-f__ctl"
                         [(ngModel)]="row.br"
-                        [disabled]="branchSelectOptions.length <= 1"
-                        [title]="branchSelectOptions.length <= 1 ? 'Your branch' : 'Branch'"
+                        [disabled]="branches.length <= 1 && branchSelectOptions.length <= 1"
+                        [title]="branches.length <= 1 && branchSelectOptions.length <= 1 ? 'Your branch' : 'Branch'"
                         (click)="$event.stopPropagation()"
                       >
                         @for (b of branchSelectOptions; track b.id) {
@@ -1626,8 +1626,8 @@
                           <select
                             class="ws-f__ctl"
                             [(ngModel)]="row.br"
-                            [disabled]="branchSelectOptions.length <= 1"
-                            [title]="branchSelectOptions.length <= 1 ? 'Your branch' : 'Branch'"
+                            [disabled]="branches.length <= 1 && branchSelectOptions.length <= 1"
+                            [title]="branches.length <= 1 && branchSelectOptions.length <= 1 ? 'Your branch' : 'Branch'"
                             (click)="$event.stopPropagation()"
                           >
                             @for (b of branchSelectOptions; track b.id) {

src/app/cashier/transaction-entry/transaction-entry.component.ts

@@ -1880,6 +1880,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     this.today = `${String(d.getDate()).padStart(2, '0')}/${String(d.getMonth() + 1).padStart(2, '0')}/${d.getFullYear()}`;
     this.loadBranches();
     this.addRow();
+    this.loadBranchOptions();
     this.loadDenominations();
     this.loadOpeningPosition();
     this.loadDayStatus();
@@ -2711,11 +2712,9 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   branchNameFor(branchId: number): string {
-    return (
-      this.seenBranches.find((b) => b.id === branchId)?.name ??
-      this.branches.find((b) => b.id === branchId)?.label ??
-      `Branch ${branchId}`
-    );
+    const seen = this.seenBranches.find((b) => b.id === branchId);
+    if (seen) return seen.name;
+    return this.branches.find((b) => b.id === branchId)?.label ?? `Branch ${branchId}`;
   }
 
   /**
@@ -4065,11 +4064,8 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       .pipe(catchError(() => of(null)))
       .subscribe((res: any) => {
         if (token !== this.searchToken) return; // stale result — newer search started
-        const found: any[] = res?.pageItems ?? (Array.isArray(res) ? res : []);
+        const allItems: any[] = res?.pageItems ?? (Array.isArray(res) ? res : []);
         const f = cfg.matchField;
-        // SD, FD and RD share one list that returns any kind of deposit account: keep only the kind chosen in A/C TP.
-        const allItems =
-          cfg.depositTypeId != null ? found.filter((x: any) => x?.depositType?.id === cfg.depositTypeId) : found;
         // Exact match first, then suffix/partial match. Some account types (e.g. Share — its
         // list endpoint only accepts offset/limit, no accountNo filter at all) always return the
         const exactMatch = allItems.find((x: any) => String(x[f] ?? '').trim() === String(acNo).trim());
@@ -4099,18 +4095,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
           return;
         }
         this.loadingAccount = false;
-        // The number may exist as another kind of account (an FD typed under SD, say): say so, so the clerk can fix A/C TP.
-        const otherKind =
-          cfg.depositTypeId != null
-            ? found.find(
-                (x: any) =>
-                  x?.depositType?.id !== cfg.depositTypeId &&
-                  (String(x[f] ?? '').trim() === String(acNo).trim() || String(x[f] ?? '').endsWith(acNo))
-              )
-            : null;
-        this.accountError = otherKind
-          ? `${acTyp} account not found for: ${acNo} (this number is a ${otherKind.depositType?.value ?? 'different kind of'} account - change A/C TP)`
-          : `${acTyp} account not found for: ${acNo}`;
+        this.accountError = 'Account not found for: ' + acNo;
       });
   }
 
@@ -4174,10 +4159,6 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
      *  account type — used to keep Header GL accounts out of the results a clerk/cashier can pick
      *  for a transaction; a Header can never receive a posting, so it should never be offered. */
     extraListQueryParams?: string;
-    /** SD, FD and RD are all served by the one /savingsaccounts list, which answers with a deposit
-     *  account of any kind for a number. This is the depositType.id the chosen A/C type accepts
-     *  (100 savings, 200 fixed, 300 recurring), so a number of another kind is "not found" here. */
-    depositTypeId?: number;
   } {
     const t = acTyp?.toUpperCase();
     if (t === 'LA') {
@@ -4258,7 +4239,6 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return {
         list: '/savingsaccounts',
         detail: '/fixeddepositaccounts',
-        depositTypeId: 200,
         nominee: 'FD',
         search: 'fixeddeposit',
         siAccountType: 2,
@@ -4276,7 +4256,6 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return {
         list: '/savingsaccounts',
         detail: '/recurringdepositaccounts',
-        depositTypeId: 300,
         nominee: 'RD',
         search: 'recurringdeposit',
         siAccountType: 2,
@@ -4294,7 +4273,6 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     return {
       list: '/savingsaccounts',
       detail: '/savingsaccounts',
-      depositTypeId: 100,
       nominee: 'SB',
       search: 'saving',
       siAccountType: 2,
@@ -4982,11 +4960,13 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     return Number(mine) === Number(accountOffice);
   }
 
-  /** What the BRANCH selector offers: the offices this login may use, plus the branches of the accounts picked here. */
+  /** The bank's branches, for each row's BRANCH selector. Empty until /offices answers. */
+  branchOptions: { id: number; name: string }[] = [];
+
+  /** What the BRANCH selector offers: the real branches, or the old fixed list while they have not loaded. */
   get branchSelectOptions(): { id: number; name: string }[] {
-    const merged = this.branches.map(
-      (branch) => this.seenBranches.find((seen) => seen.id === branch.id) ?? { id: branch.id, name: branch.label }
-    );
+    const base = this.branchOptions.length ? this.branchOptions : TransactionEntryComponent.LEGACY_BRANCHES;
+    const merged = base.map((branch) => this.seenBranches.find((seen) => seen.id === branch.id) ?? branch);
     for (const seen of this.seenBranches) {
       if (!merged.some((branch) => branch.id === seen.id)) merged.push(seen);
     }
@@ -4996,6 +4976,27 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   /** Branches learned from the accounts picked on this screen; their names are real, whatever the office list says. */
   private seenBranches: { id: number; name: string }[] = [];
 
+  private static readonly LEGACY_BRANCHES = [
+    { id: 1, name: '001 · Main' },
+    { id: 2, name: '002 · M.G. Road' },
+    { id: 14, name: '014 · Station Rd' },
+    { id: 27, name: '027 · Industrial' }
+  ];
+
+  /**
+   * The bank's branches for the BRANCH selector. Listing offices needs the READ offices permission, which a cashier or
+   * clerk may not hold, so a refusal must not raise an error popup: the selector then shows the branches this screen has
+   * learned from the accounts on it (and the old fixed list until then).
+   */
+  private loadBranchOptions(): void {
+    this.http
+      .get<any[]>('/offices', { context: new HttpContext().set(SILENT_HTTP_ERROR, true) })
+      .pipe(catchError(() => of([])))
+      .subscribe((offices) => {
+        this.branchOptions = (offices ?? []).map((o: any) => ({ id: o.id, name: o.name }));
+      });
+  }
+
   /**
    * The branch an account is held at. The savings, FD and RD detail responses carry no office, so the screen fell back
    * to the client's own branch and an account opened at another branch read as the client's. The client's account list

src/app/clients/clients-view/clients-view.component.html

@@ -356,6 +356,15 @@
     <button mat-menu-item *mifosxHasPermission="'CREATE_CURRENTACCOUNT'" [routerLink]="['current-accounts', 'create']">
       {{ 'labels.buttons.New Current Account' | translate }}
     </button>
+    <!-- A Cash Credit account is a current account on a product that allows an overdraft against a sanctioned limit. -->
+    <button
+      mat-menu-item
+      *mifosxHasPermission="'CREATE_CURRENTACCOUNT'"
+      [routerLink]="['current-accounts', 'create']"
+      [queryParams]="{ cc: 1 }"
+    >
+      New CC Account
+    </button>
   </mat-menu>
 
   <mat-menu #Actions="matMenu">

src/app/clients/clients.service.ts

@@ -846,6 +846,11 @@ export class ClientsService {
     return this.http.post('/kyc/risk-rules', rule);
   }
 
+  /** Ends the trial of a newly added rule; it stays in the catalog as a normal rule. */
+  markClientRiskRuleNormal(ruleId: number): Observable<any> {
+    return this.http.post(`/kyc/risk-rules/${ruleId}/mark-normal`, {});
+  }
+
   /** Fetch code values by code ID */
   getCodeValuesById(codeId: number): Observable<any[]> {
     return this.http.get<any[]>(`/codes/${codeId}/codevalues`).pipe(catchError(() => of([])));
@@ -1141,8 +1146,8 @@ export class ClientsService {
     notes?: string;
     officerName?: string;
     sendAt?: string;
-  }): Observable<{ queued: number; skipped: number; unreachable: number }> {
-    return this.http.post<{ queued: number; skipped: number; unreachable: number }>('/kyc/notice-queue', body);
+  }): Observable<{ queued: number; skipped: number }> {
+    return this.http.post<{ queued: number; skipped: number }>('/kyc/notice-queue', body);
   }
 
   /** Queued notices, newest first; status narrows to PENDING, SENT, FAILED or CANCELLED. */
@@ -1156,63 +1161,9 @@ export class ClientsService {
     return this.http.post(`/kyc/notice-queue/${id}?command=${command}`, {});
   }
 
-  /** What each of these customers has been sent so far: the latest notice, how many, and which channels are done. */
-  getKycContactSummary(clientIds: number[]): Observable<
-    {
-      clientId: number;
-      count: number;
-      lastAt: string;
-      lastChannel: string;
-      lastStatus: string;
-      doneChannels: string[];
-      balance?: number;
-      hasMobile?: boolean;
-      hasEmail?: boolean;
-      mobileMasked?: string | null;
-      emailMasked?: string | null;
-    }[]
-  > {
-    return this.http.get<
-      {
-        clientId: number;
-        count: number;
-        lastAt: string;
-        lastChannel: string;
-        lastStatus: string;
-        doneChannels: string[];
-        hasMobile?: boolean;
-        hasEmail?: boolean;
-        mobileMasked?: string | null;
-        emailMasked?: string | null;
-      }[]
-    >('/kyc/contact-audit/clients', {
-      params: new HttpParams().set('ids', clientIds.join(',')),
-      context: new HttpContext().set(SILENT_HTTP_ERROR, true)
-    });
-  }
-
-  /** Notices per customer (counts, outcomes, the latest), most recently contacted first, a page at a time. */
-  getKycContactAuditCustomers(
-    filter: {
-      from?: string;
-      to?: string;
-      channel?: string;
-      status?: string;
-      search?: string;
-      real?: boolean;
-      offset?: number;
-      limit?: number;
-    } = {}
-  ): Observable<{ total: number; rows: any[] }> {
-    return this.http.get<{ total: number; rows: any[] }>('/kyc/contact-audit/customers', {
-      params: this.auditParams(filter),
-      context: new HttpContext().set(SILENT_HTTP_ERROR, true)
-    });
-  }
-
   /** Notices per day (customers, notices, outcomes), newest day first. */
   getKycContactAuditDays(
-    filter: { from?: string; to?: string; channel?: string; status?: string; search?: string; real?: boolean } = {}
+    filter: { from?: string; to?: string; channel?: string; status?: string; search?: string } = {}
   ): Observable<any[]> {
     return this.http.get<any[]>('/kyc/contact-audit/days', {
       params: this.auditParams(filter),
@@ -1228,7 +1179,6 @@ export class ClientsService {
       channel?: string;
       status?: string;
       search?: string;
-      real?: boolean;
       offset?: number;
       limit?: number;
     } = {}
@@ -1239,7 +1189,7 @@ export class ClientsService {
     });
   }
 
-  private auditParams(filter: Record<string, string | number | boolean | undefined>): HttpParams {
+  private auditParams(filter: Record<string, string | number | undefined>): HttpParams {
     let params = new HttpParams();
     Object.entries(filter).forEach(
       ([

src/app/core/http/cache.interceptor.ts

@@ -59,10 +59,7 @@ export class CacheInterceptor implements HttpInterceptor {
     '/notes',
     // The ALM maturity breakdown counts deposits and loans as of the date asked and reads the bank's
     // own bucket edges from the query; a cached copy would show another date's or another setting's figures.
-    '/almreturn',
-    // The Approvals badge: a stream that stays open for minutes and a count that moves with every request raised or
-    // actioned. A copy of either is of no use, and the stream must never be held by anything but its own caller.
-    '/approvals/counts'
+    '/almreturn'
   ];
 
   private isCacheable(url: string): boolean {
@@ -96,22 +93,18 @@ export class CacheInterceptor implements HttpInterceptor {
         // Create new response to avoid side-effects
         subscriber.next(new HttpResponse(cachedData as Object));
         subscriber.complete();
-        return undefined;
+      } else {
+        next.handle(request).subscribe(
+          (event) => {
+            if (environment.httpCacheEnabled && event instanceof HttpResponse) {
+              this.httpCacheService.setCacheData(request.urlWithParams, event);
+            }
+            subscriber.next(event);
+          },
+          (error) => subscriber.error(error),
+          () => subscriber.complete()
+        );
       }
-      const inner = next.handle(request).subscribe(
-        (event) => {
-          if (environment.httpCacheEnabled && event instanceof HttpResponse) {
-            this.httpCacheService.setCacheData(request.urlWithParams, event);
-          }
-          subscriber.next(event);
-        },
-        (error) => subscriber.error(error),
-        () => subscriber.complete()
-      );
-      // The request is cancelled when its caller walks away (a page is left, a screen is closed). The inner request has to
-      // be cancelled with it: left to run, it kept its connection open. A browser holds about six per site, so a few
-      // streams that were let go but never closed filled them and every later request waited in the queue.
-      return () => inner.unsubscribe();
     });
   }
 }

src/app/core/progress-bar/no-progress.token.ts

@@ -1,16 +0,0 @@
-/**
- * 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 { HttpContextToken } from '@angular/common/http';
-
-/**
- * Per-request opt-out of the top progress bar. Set via `{ context: new HttpContext().set(NO_PROGRESS_BAR, true) }`
- * on background calls the user did not ask for (such as the Approvals badge listening for changes), which would
- * otherwise keep the bar running or make it flash on a screen that has not changed.
- */
-export const NO_PROGRESS_BAR = new HttpContextToken<boolean>(() => false);

src/app/core/progress-bar/progress.interceptor.ts

@@ -16,7 +16,6 @@ import { finalize } from 'rxjs/operators';
 
 /** Custom Services */
 import { ProgressBarService } from './progress-bar.service';
-import { NO_PROGRESS_BAR } from './no-progress.token';
 
 /**
  * Http Request interceptor to start/stop loading the progress bar.
@@ -30,9 +29,6 @@ export class ProgressInterceptor implements HttpInterceptor {
    * and stop when a response or error is received.
    */
   intercept(request: HttpRequest<any>, next: HttpHandler): Observable<HttpEvent<any>> {
-    if (request.context.get(NO_PROGRESS_BAR)) {
-      return next.handle(request);
-    }
     this.progressBarService.increase();
     return next.handle(request).pipe(
       finalize(() => {

src/app/core/route/route-reusable-strategy.ts

@@ -9,7 +9,6 @@
 /** Angular Imports */
 import { ActivatedRouteSnapshot, DetachedRouteHandle, RouteReuseStrategy } from '@angular/router';
 import { Injectable } from '@angular/core';
-import { ShellComponent } from '../shell/shell.component';
 
 /**
  * A route strategy allowing for explicit route reuse.
@@ -32,22 +31,7 @@ export class RouteReusableStrategy extends RouteReuseStrategy {
     return null;
   }
 
-  /**
-   * Every feature module registers its own copy of the shell route (Route.withShell), so two pages in different modules
-   * sit under two different shell routes. Treated as different, a click from one module into another destroyed the
-   * shell and built a new one: the menu bar vanished until it had loaded again, and the shell's own calls (menu access,
-   * notifications, business date, the approval stream) went out again on every such click. The shell is the same
-   * component whichever module it wraps, so it is kept: only the page inside it changes, until a hard refresh.
-   */
   public shouldReuseRoute(future: ActivatedRouteSnapshot, curr: ActivatedRouteSnapshot): boolean {
-    return (
-      future.routeConfig === curr.routeConfig ||
-      future.data.reuse ||
-      (RouteReusableStrategy.isShell(future) && RouteReusableStrategy.isShell(curr))
-    );
-  }
-
-  private static isShell(route: ActivatedRouteSnapshot): boolean {
-    return route.routeConfig?.component === ShellComponent;
+    return future.routeConfig === curr.routeConfig || future.data.reuse;
   }
 }

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

@@ -407,6 +407,15 @@
           <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"
+          routerLink="/credit-bureau/dashboard"
+          routerLinkActive="active"
+          *mifosxHasPermission="'MENU_CREDIT_BUREAU'"
+        >
+          <fa-icon icon="id-card" class="ni-ico"></fa-icon>Credit Bureau
+        </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>
@@ -465,11 +474,6 @@
             *mifosxHasPermission="'MENU_TASKS'"
           >
             <fa-icon icon="check" class="ni-ico"></fa-icon>Approvals
-            @if (approvalTotal > 0) {
-              <span class="ni-badge" title="Requests waiting for approval">{{
-                approvalTotal > 99 ? '99+' : approvalTotal
-              }}</span>
-            }
           </a>
           <a class="ni" tabindex="0" [matMenuTriggerFor]="cashierMenu" *mifosxHasPermission="'MENU_CASHIER'">
             <fa-icon icon="money-bill" class="ni-ico"></fa-icon>Cashier
@@ -513,6 +517,16 @@
             ><span class="ni-short">Loans</span>
             <fa-icon icon="caret-down" class="ni-caret"></fa-icon>
           </a>
+          <a
+            class="ni"
+            tabindex="0"
+            routerLink="/credit-bureau/dashboard"
+            routerLinkActive="active"
+            *mifosxHasPermission="'MENU_CREDIT_BUREAU'"
+          >
+            <fa-icon icon="id-card" class="ni-ico"></fa-icon><span class="ni-full">Credit Bureau</span
+            ><span class="ni-short">CIC</span>
+          </a>
           <a
             class="ni"
             tabindex="0"
@@ -1232,6 +1246,9 @@
           <button mat-menu-item tabindex="0" [routerLink]="['/accounts/current']">
             <fa-icon icon="building" class="menu-item-icon"></fa-icon> Current
           </button>
+          <button mat-menu-item tabindex="0" [routerLink]="['/accounts/cc']">
+            <fa-icon icon="hand-holding-usd" class="menu-item-icon"></fa-icon> CC
+          </button>
           <button mat-menu-item tabindex="0" [routerLink]="['/accounts/fixed-deposits']">
             <fa-icon icon="lock" class="menu-item-icon"></fa-icon> Fixed Deposit
           </button>

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

@@ -1082,18 +1082,3 @@ $gray-700: #334155;
     width: $bar;
   }
 }
-
-// How many requests are waiting under Approvals.
-.ni-badge {
-  min-width: 16px;
-  height: 16px;
-  margin-left: 4px;
-  padding: 0 5px;
-  border-radius: 999px;
-  background: #f59e0b;
-  color: #fff;
-  font-size: 10px;
-  font-weight: 700;
-  line-height: 16px;
-  text-align: center;
-}

src/app/core/shell/shell.component.ts

@@ -17,7 +17,6 @@ import { TenantMenuAccessService } from '../../directives/has-permission/tenant-
 
 /** rxjs Imports */
 import { Observable, Subscription } from 'rxjs';
-import { ApprovalCountsService } from '../../tasks/approval-counts.service';
 import { map, filter } from 'rxjs/operators';
 
 /** Custom Services */
@@ -69,11 +68,6 @@ export class ShellComponent implements OnInit, OnDestroy {
   private authService = inject(AuthenticationService);
   private clerkUiStateService = inject(ClerkUiStateService);
   private tenantMenuAccessService = inject(TenantMenuAccessService);
-  private approvalCounts = inject(ApprovalCountsService);
-
-  /** Requests waiting across every Approval Center tab this user can see, shown on the Approvals menu. */
-  approvalTotal = 0;
-  private approvalTotalSub?: Subscription;
 
   /** Subscription to breakpoint observer for handset. */
   isHandset$: Observable<boolean> = this.breakpointObserver
@@ -81,9 +75,8 @@ export class ShellComponent implements OnInit, OnDestroy {
     .pipe(map((result) => result.matches));
   /** Sets the initial state of sidenav as collapsed. Not collapsed if false. */
   sidenavCollapsed = true;
-  /** Progress bar mode. It starts from what is running right now: the template shows the bar for anything that is not
-   *  'none', so an empty start left it running until some request happened to finish. */
-  progressBarMode: string = this.progressBarService.getRequestsRunning() > 0 ? 'indeterminate' : 'none';
+  /** Progress bar mode. */
+  progressBarMode: string;
   /** Subscription to progress bar. */
   progressBar$: Subscription;
   /** Hides nav/sidebar for full-screen cashier routes. */
@@ -151,13 +144,6 @@ export class ShellComponent implements OnInit, OnDestroy {
    * Subscribes to progress bar to update its mode.
    */
   ngOnInit() {
-    // The Approvals badge: counts refresh every minute while the app is open, and again whenever the Approval Center opens.
-    this.approvalTotalSub = this.approvalCounts.total$.subscribe((total) => {
-      this.approvalTotal = total;
-      this.cdr.markForCheck();
-    });
-    this.approvalCounts.start();
-
     this.progressBar$ = this.progressBarService.updateProgressBar.subscribe((mode: string) => {
       this.progressBarMode = mode;
       this.cdr.detectChanges();
@@ -401,8 +387,6 @@ export class ShellComponent implements OnInit, OnDestroy {
    * Unsubscribes from progress bar.
    */
   ngOnDestroy() {
-    this.approvalTotalSub?.unsubscribe();
-    this.approvalCounts.stop();
     if (this.progressBar$) {
       this.progressBar$.unsubscribe();
     }

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

@@ -154,7 +154,7 @@
         <fa-icon icon="hand-holding-usd" class="ai-col-h-ic"></fa-icon>
         <span>Lending &amp; Risk</span>
       </div>
-      <button mat-menu-item class="ai-card" tabindex="0">
+      <button mat-menu-item class="ai-card" routerLink="/ai/loan-eligibility" tabindex="0">
         <span class="ai-card-ic"><fa-icon icon="hand-holding-usd"></fa-icon></span>
         <span class="ai-card-body">
           <span class="ai-card-t">Loan Eligibility</span>
@@ -239,6 +239,27 @@
         </span>
       </button>
     </div>
+
+    <div class="ai-col ai-col--blue">
+      <div class="ai-col-h">
+        <fa-icon icon="sitemap" class="ai-col-h-ic"></fa-icon>
+        <span>API Management</span>
+      </div>
+      <button mat-menu-item class="ai-card" routerLink="/api-management/vendors" tabindex="0">
+        <span class="ai-card-ic"><fa-icon icon="cogs"></fa-icon></span>
+        <span class="ai-card-body">
+          <span class="ai-card-t">API Vendors &amp; Setup</span>
+          <span class="ai-card-d">Vendor, work and API set — IN / OUT (CIC bureaus, SMS, WhatsApp …)</span>
+        </span>
+      </button>
+      <button mat-menu-item class="ai-card" routerLink="/api-management/logs" tabindex="0">
+        <span class="ai-card-ic"><fa-icon icon="history"></fa-icon></span>
+        <span class="ai-card-body">
+          <span class="ai-card-t">API Call Logs</span>
+          <span class="ai-card-d">Every IN and OUT call with request and response</span>
+        </span>
+      </button>
+    </div>
   </div>
 
   <div class="ai-menu-footer">

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

@@ -373,7 +373,7 @@ $icon-hover-border: rgb(255 255 255 / 28%);
 // ===== AI Mega Menu Panel =====
 ::ng-deep .ai-menu {
   &.mat-mdc-menu-panel {
-    min-width: 880px !important;
+    min-width: 1080px !important;
     max-width: 96vw !important;
     max-height: 80vh;
     border-radius: 14px !important;
@@ -520,7 +520,7 @@ $icon-hover-border: rgb(255 255 255 / 28%);
 // ===== Mega Layout — 4 colour-coded columns =====
 .ai-menu-cols {
   display: grid;
-  grid-template-columns: repeat(4, 1fr);
+  grid-template-columns: repeat(5, 1fr);
   gap: 0;
   padding: 14px 14px 6px;
   background: #f8fafc;
@@ -567,6 +567,12 @@ $icon-hover-border: rgb(255 255 255 / 28%);
   --c-hover: #be185d;
 }
 
+.ai-col--blue {
+  --c-color: #0369a1;
+  --c-bg: #e0f2fe;
+  --c-hover: #0369a1;
+}
+
 .ai-col-h {
   display: flex;
   align-items: center;
@@ -702,7 +708,7 @@ $icon-hover-border: rgb(255 255 255 / 28%);
 }
 
 // Responsive collapse
-@media (width <= 1100px) {
+@media (width <= 1300px) {
   ::ng-deep .ai-menu.mat-mdc-menu-panel {
     min-width: 680px !important;
   }

src/app/credit-bureau/cic-alert-detail/cic-alert-detail.component.html

@@ -0,0 +1,252 @@
+<!--
+  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="cic-modal-backdrop" (click)="closed.emit()">
+  <div class="cic-modal" style="width: min(980px, 100%)" (click)="$event.stopPropagation()">
+    @if (loading && !alert) {
+      <div class="cic-empty">Loading…</div>
+    }
+    @if (alert) {
+      @if (history.length) {
+        <div class="cic-alert info" style="margin-bottom: 12px">
+          You are viewing another enquiry of this customer.
+          <button class="cic-btn sm" style="margin-left: 8px" (click)="back()">← Back to previous enquiry</button>
+        </div>
+      }
+      <div style="display: flex; justify-content: space-between; gap: 12px; align-items: flex-start">
+        <div>
+          <h3 style="margin-bottom: 4px">
+            {{ alert.clientName || alert.customerName || 'Unknown customer' }} applied for
+            {{ alert.loanType || 'a loan' }} elsewhere
+          </h3>
+          <div class="muted" style="font-size: 12px">
+            {{ alert.bureauCode }} alert · {{ alert.alertKey }} · received {{ alert.receivedOn | slice: 0 : 16 }} via
+            {{ alert.receivedVia }}
+          </div>
+        </div>
+        <div class="cic-actions">
+          <span class="cic-badge" [class]="'cic-badge ' + statusTone(alert.status)">{{ alert.status }}</span>
+          <button class="cic-btn sm" (click)="closed.emit()">Close</button>
+        </div>
+      </div>
+
+      @if (error) {
+        <div class="cic-alert error" style="margin-top: 12px">{{ error }}</div>
+      }
+      @if (info) {
+        <div class="cic-alert success" style="margin-top: 12px">{{ info }}</div>
+      }
+
+      <div class="cic-grid cols-3" style="margin-top: 14px">
+        <div class="cic-stat">
+          <div class="k">Loan applied for</div>
+          <div class="v" style="font-size: 17px">{{ alert.loanType || '—' }}</div>
+        </div>
+        <div class="cic-stat">
+          <div class="k">Amount</div>
+          <div class="v" style="font-size: 20px">
+            {{ alert.amount !== null && alert.amount !== undefined ? '₹' + (alert.amount | number: '1.0-0') : '—' }}
+          </div>
+        </div>
+        <div class="cic-stat">
+          <div class="k">Enquiry date</div>
+          <div class="v" style="font-size: 17px">{{ alert.enquiryDate | date: 'dd MMM yyyy' }}</div>
+        </div>
+      </div>
+
+      <div class="cic-split" style="margin-top: 14px">
+        <div class="cic-card" style="margin-bottom: 0">
+          <h2>
+            Enquiry elsewhere
+            <span class="cic-card-sub">the CIC does not name the lender</span>
+          </h2>
+          <dl class="cic-kv" style="grid-template-columns: 140px minmax(0, 1fr)">
+            <dt>Loan type</dt>
+            <dd>{{ alert.loanType || '—' }}</dd>
+            <dt>Amount</dt>
+            <dd>
+              {{ alert.amount !== null && alert.amount !== undefined ? '₹' + (alert.amount | number: '1.0-2') : '—' }}
+            </dd>
+            <dt>Purpose</dt>
+            <dd>{{ alert.purpose || '—' }}</dd>
+            <dt>Place</dt>
+            <dd>{{ alert.location || '—' }}</dd>
+            <dt>Enquiry date</dt>
+            <dd>{{ alert.enquiryDate | date: 'dd MMM yyyy' }}</dd>
+          </dl>
+        </div>
+        <div class="cic-card" style="margin-bottom: 0">
+          <h2>
+            Our customer
+            @if (!alert.clientId) {
+              <button
+                class="cic-btn sm primary"
+                (click)="linkCustomer()"
+                [disabled]="saving"
+                *mifosxHasPermission="'UPDATE_CICALERT'"
+              >
+                Link to customer
+              </button>
+            }
+          </h2>
+          <dl class="cic-kv" style="grid-template-columns: 140px minmax(0, 1fr)">
+            <dt>Customer</dt>
+            <dd>
+              @if (alert.clientId) {
+                <a [routerLink]="['/clients', alert.clientId, 'general']" (click)="closed.emit()">{{
+                  alert.clientName
+                }}</a>
+                <span class="muted"> · {{ alert.clientAccountNo }}</span>
+              } @else {
+                <span class="tone-bad">Not matched to any customer</span>
+              }
+            </dd>
+            <dt>Branch</dt>
+            <dd>{{ alert.officeName || '—' }}</dd>
+            <dt>Matched by</dt>
+            <dd>{{ matchLabels[alert.matchType] || alert.matchType }}</dd>
+            <dt>Name at bureau</dt>
+            <dd>{{ alert.customerName || '—' }}</dd>
+            <dt>PAN / Aadhaar</dt>
+            <dd class="cic-mono">{{ alert.panMasked || '—' }} / {{ alert.aadhaarMasked || '—' }}</dd>
+            @if (alert.customerRef) {
+              <dt>Reference</dt>
+              <dd class="cic-mono">{{ alert.customerRef }}</dd>
+            }
+          </dl>
+        </div>
+      </div>
+
+      @if (alert.clientId) {
+        <div class="cic-card" style="margin-top: 14px; margin-bottom: 0">
+          <h2>
+            Customer's loans with us
+            <span class="cic-card-sub">outstanding ₹{{ exposure | number: '1.0-0' }}</span>
+          </h2>
+          @if (alert.clientLoans?.length) {
+            <div class="cic-table-wrap">
+              <table class="cic-table">
+                <thead>
+                  <tr>
+                    <th>Account</th>
+                    <th>Product</th>
+                    <th>Status</th>
+                    <th class="num">Principal</th>
+                    <th class="num">Outstanding</th>
+                    <th>Disbursed</th>
+                  </tr>
+                </thead>
+                <tbody>
+                  @for (l of alert.clientLoans; track l.id) {
+                    <tr>
+                      <td class="cic-mono">{{ l.accountNo }}</td>
+                      <td>{{ l.productName }}</td>
+                      <td>{{ l.status }}</td>
+                      <td class="num">{{ l.principal | number: '1.0-0' }}</td>
+                      <td class="num">{{ l.outstanding | number: '1.0-0' }}</td>
+                      <td>{{ l.disbursedOn | date: 'dd MMM yyyy' }}</td>
+                    </tr>
+                  }
+                </tbody>
+              </table>
+            </div>
+          } @else {
+            <div class="muted" style="font-size: 13px">
+              No loan with us. A customer with deposits only who is borrowing elsewhere may be a cross-sell opportunity.
+            </div>
+          }
+        </div>
+      }
+
+      @if (alert.otherAlertsOfCustomer?.length) {
+        <div class="cic-card" style="margin-top: 14px; margin-bottom: 0">
+          <h2>
+            All enquiries on this customer
+            <span class="cic-card-sub">{{ customerEnquiries.length }} in total</span>
+          </h2>
+          <div class="cic-table-wrap">
+            <table class="cic-table">
+              <thead>
+                <tr>
+                  <th>Date</th>
+                  <th>Loan type</th>
+                  <th class="num">Amount</th>
+                  <th>Status</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (o of customerEnquiries; track o.id) {
+                  <tr
+                    class="clickable"
+                    [style.background]="o.id === alert.id ? '#eef4ff' : null"
+                    (click)="o.id !== alert.id && openOther(o.id)"
+                  >
+                    <td>{{ o.enquiryDate | date: 'dd MMM yyyy' }}</td>
+                    <td>
+                      {{ o.loanType }}
+                      @if (o.id === alert.id) {
+                        <b>(shown above)</b>
+                      }
+                    </td>
+                    <td class="num">{{ o.amount | number: '1.0-0' }}</td>
+                    <td>
+                      <span class="cic-badge" [class]="'cic-badge ' + statusTone(o.status)">{{ o.status }}</span>
+                    </td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        </div>
+      }
+
+      @if (alert.remarks || alert.actionedByName) {
+        <div class="cic-alert info" style="margin-top: 14px">
+          <b>{{ alert.status }}</b> by {{ alert.actionedByName }} on {{ alert.actionedOn | slice: 0 : 16 }}
+          @if (alert.remarks) {
+            — {{ alert.remarks }}
+          }
+        </div>
+      }
+
+      <ng-container *mifosxHasPermission="'UPDATE_CICALERT'">
+        @if (action) {
+          <div class="cic-field" style="margin-top: 14px">
+            <label>{{ action === 'ACTIONED' ? 'What was done' : 'Reason for dismissing' }}</label>
+            <textarea rows="3" [(ngModel)]="remarks" maxlength="1000"></textarea>
+          </div>
+        }
+        <div class="foot">
+          @if (action) {
+            <button class="cic-btn" (click)="action = null">Cancel</button>
+            <button class="cic-btn primary" (click)="confirmAction()" [disabled]="saving">
+              {{ action === 'ACTIONED' ? 'Save as actioned' : 'Dismiss alert' }}
+            </button>
+          } @else {
+            @if (alert.status === 'ACTIONED' || alert.status === 'DISMISSED') {
+              <button class="cic-btn" (click)="setStatus('SEEN', null)" [disabled]="saving">Reopen</button>
+            }
+            @if (alert.status !== 'DISMISSED') {
+              <button class="cic-btn danger" (click)="action = 'DISMISSED'">Dismiss</button>
+            }
+            @if (alert.status !== 'ACTIONED') {
+              <button class="cic-btn primary" (click)="action = 'ACTIONED'">Mark actioned</button>
+            }
+          }
+        </div>
+      </ng-container>
+
+      <div style="margin-top: 12px">
+        <button class="cic-btn sm" (click)="showRaw = !showRaw">{{ showRaw ? 'Hide' : 'Show' }} bureau data</button>
+        @if (showRaw) {
+          <pre class="cic-code" style="margin-top: 8px">{{ rawText() }}</pre>
+        }
+      </div>
+    }
+  </div>
+</div>

src/app/credit-bureau/cic-alert-detail/cic-alert-detail.component.ts

@@ -0,0 +1,181 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, EventEmitter, Input, OnChanges, Output, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { MatDialog, MatDialogModule } from '@angular/material/dialog';
+import { RouterModule } from '@angular/router';
+
+import { HasPermissionDirective } from 'app/directives/has-permission/has-permission.directive';
+import {
+  CustomerSearchDialogComponent,
+  CustomerSearchResult
+} from 'app/shared/customer-search-dialog/customer-search-dialog.component';
+import { CIC_MATCH_LABELS, CicAlert, CicService, cicError, cicStatusTone } from '../cic.service';
+
+/**
+ * One enquiry alert: which of our customers applied elsewhere (the CIC does not name the lender), for what loan and
+ * how much; the customer's
+ * loans with us and earlier alerts; and the follow-up (seen / actioned / dismissed, or linking an unmatched alert).
+ */
+@Component({
+  selector: 'mifosx-cic-alert-detail',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule,
+    MatDialogModule,
+    HasPermissionDirective
+  ],
+  templateUrl: './cic-alert-detail.component.html',
+  styleUrls: ['../cic-shared.scss']
+})
+export class CicAlertDetailComponent implements OnChanges {
+  private cic = inject(CicService);
+  private dialog = inject(MatDialog);
+
+  @Input() alertId: number | null = null;
+  @Output() closed = new EventEmitter<void>();
+  @Output() changed = new EventEmitter<CicAlert>();
+
+  alert: CicAlert | null = null;
+  loading = false;
+  saving = false;
+  error: string | null = null;
+  info: string | null = null;
+  showRaw = false;
+
+  /** Alerts visited before the current one, so the user can go back after opening another enquiry of the customer. */
+  history: number[] = [];
+  private autoSeen = true;
+
+  action: 'ACTIONED' | 'DISMISSED' | null = null;
+  remarks = '';
+
+  readonly matchLabels = CIC_MATCH_LABELS;
+  readonly statusTone = cicStatusTone;
+
+  ngOnChanges(): void {
+    this.history = [];
+    this.autoSeen = true;
+    if (this.alertId) this.load();
+  }
+
+  openOther(id: number): void {
+    if (this.alertId) this.history.push(this.alertId);
+    this.alertId = id;
+    // Only the alert opened from the dashboard counts as "seen"; browsing the customer's other enquiries changes nothing.
+    this.autoSeen = false;
+    this.load();
+  }
+
+  back(): void {
+    const id = this.history.pop();
+    if (!id) return;
+    this.alertId = id;
+    this.autoSeen = false;
+    this.load();
+  }
+
+  load(): void {
+    if (!this.alertId) return;
+    this.loading = true;
+    this.error = null;
+    this.info = null;
+    this.action = null;
+    this.remarks = '';
+    this.cic.alert(this.alertId).subscribe({
+      next: (a) => {
+        this.alert = a;
+        this.loading = false;
+        setTimeout(() => document.querySelector('.cic-modal')?.scrollTo({ top: 0 }));
+        // Opening a new alert is seeing it.
+        if (this.autoSeen && a.status === 'NEW' && a.clientId) this.setStatus('SEEN', null, true);
+      },
+      error: (e) => {
+        this.loading = false;
+        this.error = cicError(e, 'Could not load the alert.');
+      }
+    });
+  }
+
+  setStatus(status: string, remarks: string | null, quiet = false): void {
+    if (!this.alert) return;
+    this.saving = true;
+    this.error = null;
+    this.cic.updateStatus(this.alert.id, status, remarks).subscribe({
+      next: (a) => {
+        this.saving = false;
+        this.alert = a;
+        this.action = null;
+        this.remarks = '';
+        if (!quiet) this.info = `Alert marked ${status.toLowerCase()}.`;
+        this.changed.emit(a);
+      },
+      error: (e) => {
+        this.saving = false;
+        // A user without UPDATE_CICALERT can still read; the automatic "seen" is then simply skipped.
+        if (!quiet) this.error = cicError(e, 'Could not update the alert.');
+      }
+    });
+  }
+
+  confirmAction(): void {
+    if (!this.action) return;
+    if (!this.remarks.trim()) {
+      this.error =
+        this.action === 'ACTIONED'
+          ? 'Write what was done (customer contacted, retention offer made, limit reviewed ...).'
+          : 'Write why the alert is dismissed.';
+      return;
+    }
+    this.setStatus(this.action, this.remarks.trim());
+  }
+
+  linkCustomer(): void {
+    if (!this.alert) return;
+    this.dialog
+      .open(CustomerSearchDialogComponent, { width: '960px', maxWidth: '95vw', data: { requireAccount: false } })
+      .afterClosed()
+      .subscribe((r: CustomerSearchResult | undefined) => {
+        if (!r?.clientId || !this.alert) return;
+        this.saving = true;
+        this.cic.linkClient(this.alert.id, r.clientId).subscribe({
+          next: (a) => {
+            this.saving = false;
+            this.alert = a;
+            this.info = `Alert linked to ${a.clientName}.`;
+            this.changed.emit(a);
+          },
+          error: (e) => {
+            this.saving = false;
+            this.error = cicError(e, 'Could not link the customer.');
+          }
+        });
+      });
+  }
+
+  /** All of the customer's enquiries, this one included, in a fixed order so the list does not reshuffle when one is opened. */
+  get customerEnquiries(): CicAlert[] {
+    if (!this.alert) return [];
+    return [
+      this.alert,
+      ...(this.alert.otherAlertsOfCustomer ?? [])
+    ].sort((x, y) => (y.enquiryDate ?? '').localeCompare(x.enquiryDate ?? '') || y.id - x.id);
+  }
+
+  get exposure(): number {
+    return (this.alert?.clientLoans ?? []).reduce((s, l) => s + Number(l.outstanding ?? 0), 0);
+  }
+
+  rawText(): string {
+    return JSON.stringify(this.alert?.raw ?? {}, null, 2);
+  }
+}

src/app/credit-bureau/cic-dashboard/cic-dashboard.component.html

@@ -0,0 +1,262 @@
+<!--
+  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="cic-page">
+  <div class="cic-head">
+    <div>
+      <h1>Credit Bureau — Customer Enquiry Alerts</h1>
+      <p>
+        Our customers who applied for a loan at another bank or NBFC, as reported by the CIC (CIBIL, Experian, Equifax,
+        CRIF): what loan and how much. The CIC does not tell which bank or lender it was.
+      </p>
+    </div>
+    <div class="cic-actions">
+      <select [(ngModel)]="days" (ngModelChange)="load()" class="cic-btn" style="padding-right: 8px">
+        <option [ngValue]="7">Last 7 days</option>
+        <option [ngValue]="30">Last 30 days</option>
+        <option [ngValue]="90">Last 90 days</option>
+        <option [ngValue]="180">Last 180 days</option>
+      </select>
+      <a class="cic-btn" routerLink="/credit-bureau/fetch-log">Fetch log</a>
+      @if (whitelisted.length) {
+        <button
+          class="cic-btn primary"
+          (click)="fetchNow('ALL')"
+          [disabled]="fetching !== null"
+          *mifosxHasPermission="'FETCH_CICALERT'"
+        >
+          {{ fetching === 'ALL' ? 'Fetching…' : 'Fetch alerts now' }}
+        </button>
+      }
+    </div>
+  </div>
+
+  @if (error) {
+    <div class="cic-alert error">{{ error }}</div>
+  }
+  @if (info) {
+    <div class="cic-alert success">{{ info }}</div>
+  }
+  @if (data && !whitelisted.length) {
+    <div class="cic-alert warn">
+      No CIC is whitelisted yet, so no alerts are being received. Switch a bureau on (CIBIL, Experian, Equifax or CRIF)
+      under AI / Intelligence Modules → API Management → API Vendors &amp; Setup.
+    </div>
+  }
+  @if (loading && !data) {
+    <div class="cic-card cic-empty">Loading…</div>
+  }
+
+  @if (data) {
+    <div class="cic-grid cols-4" style="margin-bottom: 16px">
+      <div class="cic-stat">
+        <div class="k">New alerts</div>
+        <div class="v" [class.tone-bad]="data.newAlerts > 0">{{ data.newAlerts }}</div>
+        <div class="s">not yet looked at</div>
+      </div>
+      <div class="cic-stat">
+        <div class="k">Customers enquired elsewhere</div>
+        <div class="v">{{ data.customersInPeriod }}</div>
+        <div class="s">{{ data.alertsInPeriod }} enquiries · last {{ days }} days</div>
+      </div>
+      <div class="cic-stat">
+        <div class="k">Amount applied elsewhere</div>
+        <div class="v">₹{{ data.amountInPeriod | number: '1.0-0' }}</div>
+        <div class="s">in total · last {{ days }} days</div>
+      </div>
+      <div class="cic-stat">
+        <div class="k">Unmatched alerts</div>
+        <div class="v" [class.tone-warn]="data.unmatchedOpen > 0">{{ data.unmatchedOpen }}</div>
+        <div class="s">bureau sent, customer not found · {{ data.receivedToday }} received today</div>
+      </div>
+    </div>
+
+    <!-- Recent -->
+    <div class="cic-card">
+      <h2>Latest enquiries on our customers</h2>
+      @if (data.recent?.length) {
+        <div class="cic-table-wrap">
+          <table class="cic-table">
+            <thead>
+              <tr>
+                <th>Enquiry date</th>
+                <th>Our customer</th>
+                <th>Branch</th>
+                <th>Loan type</th>
+                <th class="num">Amount (₹)</th>
+                <th>Purpose</th>
+                <th>Bureau</th>
+                <th>Status</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (a of data.recent; track a.id) {
+                <tr class="clickable" (click)="openAlertId = a.id">
+                  <td>{{ a.enquiryDate | date: 'dd MMM yyyy' }}</td>
+                  <td>
+                    <b>{{ a.clientName }}</b>
+                    <div class="muted" style="font-size: 11px">{{ a.clientAccountNo }}</div>
+                  </td>
+                  <td>{{ a.officeName }}</td>
+                  <td>{{ a.loanType }}</td>
+                  <td class="num">{{ a.amount | number: '1.0-0' }}</td>
+                  <td>{{ a.purpose }}</td>
+                  <td>{{ a.bureauCode }}</td>
+                  <td>
+                    <span class="cic-badge" [class]="'cic-badge ' + statusTone(a.status)">{{ a.status }}</span>
+                  </td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        </div>
+      } @else {
+        <div class="cic-empty">
+          No enquiry alerts yet. They appear here as soon as a CIC reports one of our customers.
+        </div>
+      }
+    </div>
+
+    <div class="cic-split">
+      <!-- Repeat customers -->
+      <div class="cic-card">
+        <h2>
+          Customers applying elsewhere repeatedly
+          <span class="cic-card-sub">2+ enquiries · last {{ days }} days</span>
+        </h2>
+        @if (data.repeatCustomers?.length) {
+          <div class="cic-table-wrap">
+            <table class="cic-table">
+              <thead>
+                <tr>
+                  <th>Customer</th>
+                  <th class="num">Enquiries</th>
+                  <th class="num">Total applied (₹)</th>
+                  <th>Last</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (c of data.repeatCustomers; track c.clientId) {
+                  <tr>
+                    <td>
+                      <b>{{ c.clientName }}</b>
+                      <div class="muted" style="font-size: 11px">{{ c.accountNo }}</div>
+                    </td>
+                    <td class="num tone-bad">
+                      <b>{{ c.alerts }}</b>
+                    </td>
+                    <td class="num">{{ c.amount | number: '1.0-0' }}</td>
+                    <td>{{ c.lastEnquiryDate | date: 'dd MMM' }}</td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        } @else {
+          <div class="cic-empty">No customer has more than one enquiry in this period.</div>
+        }
+      </div>
+
+      <!-- Trend -->
+      <div class="cic-card">
+        <h2>Enquiries per day <span class="cic-card-sub">last 14 days</span></h2>
+        <div class="cic-trend">
+          @for (p of data.trend14Days; track p.date) {
+            <div
+              class="col"
+              [title]="(p.date | date: 'dd MMM') + ': ' + p.count + ' enquiries, ₹' + (p.amount | number: '1.0-0')"
+            >
+              <span class="n">{{ p.count || '' }}</span>
+              <div class="bar" [style.height.%]="pct(p.count, data.trend14Days, 'count')"></div>
+              <span class="d">{{ p.date | date: 'dd' }}</span>
+            </div>
+          }
+        </div>
+      </div>
+    </div>
+
+    <div>
+      <div class="cic-card" style="margin-bottom: 0">
+        <h2>By loan type</h2>
+        @for (g of data.byLoanType; track g.label) {
+          <div style="margin-bottom: 10px">
+            <div style="display: flex; justify-content: space-between; font-size: 12px; margin-bottom: 4px">
+              <span>{{ g.label }}</span>
+              <span class="muted">{{ g.count }} · ₹{{ g.amount | number: '1.0-0' }}</span>
+            </div>
+            <div class="cic-bar"><div [style.width.%]="pct(g.count, data.byLoanType, 'count')"></div></div>
+          </div>
+        } @empty {
+          <div class="cic-empty">No data.</div>
+        }
+      </div>
+    </div>
+
+    <!-- Bureau fetch status -->
+    <div class="cic-card" style="margin-top: 16px">
+      <h2>
+        Alert feed from each CIC
+        <a class="cic-btn sm" routerLink="/credit-bureau/fetch-log">Fetch log</a>
+      </h2>
+      <div class="cic-grid cols-4">
+        @for (b of data.bureaus; track b.id) {
+          <div class="cic-stat">
+            <div style="display: flex; justify-content: space-between; align-items: center; gap: 6px">
+              <b>{{ b.code }}</b>
+              <span class="cic-badge" [class.good]="b.whitelisted">{{ b.whitelisted ? 'Whitelisted' : 'Off' }}</span>
+            </div>
+            <div class="s" style="margin-top: 6px">
+              {{ b.environment }} · {{ b.autoFetch ? 'auto every ' + b.intervalMin + ' min' : 'manual fetch only' }}
+            </div>
+            <div class="s">
+              Last fetch:
+              @if (b.lastFetchOn) {
+                <span class="cic-badge" [class]="'cic-badge ' + fetchTone(b.lastFetchStatus)">{{
+                  b.lastFetchStatus
+                }}</span>
+                {{ b.lastFetchOn | slice: 0 : 16 }}
+              } @else {
+                never
+              }
+            </div>
+            @if (b.lastFetchMessage) {
+              <div class="s" style="font-size: 11px">{{ b.lastFetchMessage }}</div>
+            }
+            <div class="s" style="font-size: 11px; margin-top: 4px">
+              @if (b.environment === 'SIMULATOR') {
+                Simulator: no call goes to {{ b.code }}; the alerts are made up by the CBS for testing.
+              } @else {
+                Calls {{ b.code }} {{ b.environment }} with the API set up under API Management.
+              }
+            </div>
+            @if (b.whitelisted) {
+              <button
+                class="cic-btn sm"
+                style="margin-top: 8px"
+                (click)="fetchNow(b.id)"
+                [disabled]="fetching !== null"
+                *mifosxHasPermission="'FETCH_CICALERT'"
+              >
+                {{ fetching === b.id ? 'Fetching…' : 'Fetch now' }}
+              </button>
+            }
+            <a class="cic-btn sm" style="margin-top: 8px; margin-left: 4px" [routerLink]="setupRoute(b.code)">Set up</a>
+          </div>
+        }
+      </div>
+    </div>
+  }
+</div>
+
+@if (openAlertId) {
+  <mifosx-cic-alert-detail
+    [alertId]="openAlertId"
+    (closed)="openAlertId = null"
+    (changed)="onChanged()"
+  ></mifosx-cic-alert-detail>
+}

src/app/credit-bureau/cic-dashboard/cic-dashboard.component.ts

@@ -0,0 +1,130 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { RouterModule } from '@angular/router';
+
+import { ApiManagementService } from 'app/api-management/api-management.service';
+import { HasPermissionDirective } from 'app/directives/has-permission/has-permission.directive';
+import { CicAlertDetailComponent } from '../cic-alert-detail/cic-alert-detail.component';
+import { CicService, cicError, cicStatusTone } from '../cic.service';
+
+/**
+ * Credit Bureau dashboard: our customers who applied for a loan at another bank / NBFC, as reported by the CICs -
+ * who, what loan and how much (the CIC does not name the lender) - with the customers applying elsewhere repeatedly,
+ * the loan types, the trend, and the fetch status of each bureau. Each bureau is set up under API Management → API
+ * Vendors & Setup.
+ */
+@Component({
+  selector: 'mifosx-cic-dashboard',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule,
+    HasPermissionDirective,
+    CicAlertDetailComponent
+  ],
+  templateUrl: './cic-dashboard.component.html',
+  styleUrls: ['../cic-shared.scss']
+})
+export class CicDashboardComponent implements OnInit {
+  private cic = inject(CicService);
+  private apis = inject(ApiManagementService);
+
+  /** Each bureau is set up as a vendor under API Management (connection, whitelist, request / response mapping). */
+  setupRoute(code: string): any[] {
+    const v = this.apis.vendorByCode(code);
+    return v ? [
+          '/api-management/vendors',
+          v.id
+        ] : ['/api-management/vendors'];
+  }
+
+  days = 30;
+  loading = false;
+  error: string | null = null;
+  info: string | null = null;
+  data: any = null;
+  fetching: number | 'ALL' | null = null;
+  openAlertId: number | null = null;
+
+  readonly statusTone = cicStatusTone;
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.error = null;
+    this.cic.dashboard(this.days).subscribe({
+      next: (d) => {
+        this.data = d;
+        this.loading = false;
+      },
+      error: (e) => {
+        this.error = cicError(e, 'Could not load the credit bureau dashboard.');
+        this.loading = false;
+      }
+    });
+  }
+
+  get whitelisted(): any[] {
+    return (this.data?.bureaus ?? []).filter((b: any) => b.whitelisted);
+  }
+
+  /** Fetch now from one bureau, or from every whitelisted bureau in turn. */
+  fetchNow(bureauId: number | 'ALL'): void {
+    const ids = bureauId === 'ALL' ? this.whitelisted.map((b) => b.id as number) : [bureauId];
+    if (!ids.length) return;
+    this.fetching = bureauId;
+    this.error = null;
+    this.info = null;
+    const messages: string[] = [];
+    const next = (i: number) => {
+      if (i >= ids.length) {
+        this.fetching = null;
+        this.info = messages.join(' · ');
+        this.load();
+        return;
+      }
+      this.cic.fetch(ids[i]).subscribe({
+        next: (run) => {
+          messages.push(
+            `${run.bureauCode}: ${run.status === 'SUCCESS' ? run.newAlerts + ' new alert(s)' : 'failed - ' + run.message}`
+          );
+          next(i + 1);
+        },
+        error: (e) => {
+          messages.push(cicError(e, 'Fetch failed.'));
+          next(i + 1);
+        }
+      });
+    };
+    next(0);
+  }
+
+  max(list: any[] | undefined, key: string): number {
+    return Math.max(1, ...(list ?? []).map((x) => Number(x[key] ?? 0)));
+  }
+
+  pct(value: any, list: any[] | undefined, key: string): number {
+    return Math.round((Number(value ?? 0) / this.max(list, key)) * 100);
+  }
+
+  onChanged(): void {
+    this.load();
+  }
+
+  fetchTone(status?: string): string {
+    return status === 'SUCCESS' ? 'good' : status === 'FAILED' ? 'bad' : '';
+  }
+}

src/app/credit-bureau/cic-fetch-log/cic-fetch-log.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="cic-page">
+  <div class="cic-head">
+    <div>
+      <h1>Fetch Log</h1>
+      <p>Every time the CBS asked a CIC for enquiry alerts: when, how many came, how many were our customers.</p>
+    </div>
+    <div class="cic-actions">
+      <a class="cic-btn" routerLink="/credit-bureau/dashboard">← Dashboard</a>
+    </div>
+  </div>
+
+  @if (error) {
+    <div class="cic-alert error">{{ error }}</div>
+  }
+
+  <div class="cic-card">
+    <h2>
+      Fetches
+      <span class="cic-actions">
+        <select [(ngModel)]="bureauId" (ngModelChange)="filterChanged()" class="cic-btn sm">
+          <option value="">All bureaus</option>
+          @for (b of bureaus; track b.id) {
+            <option [value]="b.id">{{ b.code }}</option>
+          }
+        </select>
+        <button class="cic-btn sm" (click)="load()">Refresh</button>
+      </span>
+    </h2>
+    @if (loading && !runs.length) {
+      <div class="cic-empty">Loading…</div>
+    } @else if (!runs.length) {
+      <div class="cic-empty">No fetch has run yet.</div>
+    } @else {
+      <div class="cic-table-wrap">
+        <table class="cic-table">
+          <thead>
+            <tr>
+              <th>Run</th>
+              <th>Bureau</th>
+              <th>How</th>
+              <th>Window</th>
+              <th>Status</th>
+              <th class="num">Received</th>
+              <th class="num">New</th>
+              <th class="num">Matched</th>
+              <th class="num">Unmatched</th>
+              <th class="num">Already had</th>
+              <th class="num">Own bank</th>
+              <th>By</th>
+              <th>When</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of runs; track r.id) {
+              <tr class="clickable" (click)="view(r)">
+                <td class="cic-mono">{{ r.runRef }}</td>
+                <td>{{ r.bureauCode }}</td>
+                <td>{{ r.trigger }}</td>
+                <td>{{ r.fromDate | date: 'dd MMM' }} – {{ r.toDate | date: 'dd MMM yy' }}</td>
+                <td>
+                  <span class="cic-badge" [class]="'cic-badge ' + tone(r.status)">{{ r.status }}</span>
+                </td>
+                <td class="num">{{ r.received }}</td>
+                <td class="num">
+                  <b>{{ r.newAlerts }}</b>
+                </td>
+                <td class="num">{{ r.matched }}</td>
+                <td class="num">{{ r.unmatched }}</td>
+                <td class="num">{{ r.duplicates }}</td>
+                <td class="num">{{ r.ownBank }}</td>
+                <td>{{ r.triggeredByName }}</td>
+                <td>{{ r.startedOn | slice: 0 : 16 }}</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      <div class="cic-pager">
+        <span>{{ offset + 1 }}–{{ offset + runs.length }} of {{ total }}</span>
+        <span class="cic-actions">
+          <button class="cic-btn sm" (click)="page(-1)" [disabled]="offset === 0">Previous</button>
+          <button class="cic-btn sm" (click)="page(1)" [disabled]="offset + limit >= total">Next</button>
+        </span>
+      </div>
+    }
+  </div>
+</div>
+
+@if (viewing) {
+  <div class="cic-modal-backdrop" (click)="viewing = null">
+    <div class="cic-modal" style="width: min(1000px, 100%)" (click)="$event.stopPropagation()">
+      <h3>{{ viewing.runRef }} · {{ viewing.bureauCode }} · {{ viewing.status }}</h3>
+      <div
+        class="cic-alert"
+        [class.success]="viewing.status === 'SUCCESS'"
+        [class.error]="viewing.status !== 'SUCCESS'"
+      >
+        {{ viewing.message }}
+        @if (viewing.httpStatus) {
+          (HTTP {{ viewing.httpStatus }}, {{ viewing.durationMs }} ms)
+        }
+      </div>
+      <div class="cic-split">
+        <div>
+          <h4 style="margin: 0 0 6px; font-size: 13px">Request</h4>
+          <pre class="cic-code">{{ pretty(viewing.request) || '—' }}</pre>
+        </div>
+        <div>
+          <h4 style="margin: 0 0 6px; font-size: 13px">Response</h4>
+          <pre class="cic-code">{{ pretty(viewing.response) || '—' }}</pre>
+        </div>
+      </div>
+      <div class="foot">
+        <button class="cic-btn" (click)="viewing = null">Close</button>
+      </div>
+    </div>
+  </div>
+}

src/app/credit-bureau/cic-fetch-log/cic-fetch-log.component.ts

@@ -0,0 +1,91 @@
+/**
+ * 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 { CommonModule } from '@angular/common';
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { RouterModule } from '@angular/router';
+
+import { CicBureau, CicFetchRun, CicService, cicError } from '../cic.service';
+
+/** Log of every alert fetch from the CICs: when, how many alerts, how many matched, and the request / response. */
+@Component({
+  selector: 'mifosx-cic-fetch-log',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterModule
+  ],
+  templateUrl: './cic-fetch-log.component.html',
+  styleUrls: ['../cic-shared.scss']
+})
+export class CicFetchLogComponent implements OnInit {
+  private cic = inject(CicService);
+
+  bureaus: CicBureau[] = [];
+  runs: CicFetchRun[] = [];
+  total = 0;
+  offset = 0;
+  readonly limit = 20;
+  bureauId = '';
+  viewing: CicFetchRun | null = null;
+  loading = false;
+  error: string | null = null;
+
+  ngOnInit(): void {
+    this.cic.bureaus().subscribe({ next: (b) => (this.bureaus = b), error: () => (this.bureaus = []) });
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.error = null;
+    this.cic.fetchRuns({ bureauId: this.bureauId, offset: this.offset, limit: this.limit }).subscribe({
+      next: (p) => {
+        this.runs = p.pageItems;
+        this.total = p.totalFilteredRecords;
+        this.loading = false;
+      },
+      error: (e) => {
+        this.error = cicError(e, 'Could not load the fetch log.');
+        this.loading = false;
+      }
+    });
+  }
+
+  filterChanged(): void {
+    this.offset = 0;
+    this.load();
+  }
+
+  page(delta: number): void {
+    this.offset = Math.max(0, this.offset + delta * this.limit);
+    this.load();
+  }
+
+  view(r: CicFetchRun): void {
+    this.cic.fetchRun(r.id).subscribe({
+      next: (full) => (this.viewing = full),
+      error: (e) => (this.error = cicError(e))
+    });
+  }
+
+  pretty(text?: string | null): string {
+    if (!text) return '';
+    try {
+      return JSON.stringify(JSON.parse(text), null, 2);
+    } catch {
+      return text;
+    }
+  }
+
+  tone(status: string): string {
+    return status === 'SUCCESS' ? 'good' : status === 'FAILED' ? 'bad' : 'warn';
+  }
+}

src/app/credit-bureau/cic-shared.scss

@@ -0,0 +1,627 @@
+/**
+ * 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 look for the Credit Bureau (CIC) screens. */
+
+:host {
+  --cic-ink: #0f172a;
+  --cic-muted: #64748b;
+  --cic-line: #e2e8f0;
+  --cic-soft: #f8fafc;
+  --cic-brand: #1d4ed8;
+  --cic-brand-soft: #eff6ff;
+  --cic-good: #047857;
+  --cic-good-soft: #ecfdf5;
+  --cic-ok: #0369a1;
+  --cic-ok-soft: #f0f9ff;
+  --cic-warn: #b45309;
+  --cic-warn-soft: #fffbeb;
+  --cic-bad: #b91c1c;
+  --cic-bad-soft: #fef2f2;
+
+  display: block;
+  color: var(--cic-ink);
+}
+
+.cic-page {
+  padding: 20px 24px 40px;
+  max-width: 1440px;
+  margin: 0 auto;
+}
+
+.cic-head {
+  display: flex;
+  align-items: flex-start;
+  justify-content: space-between;
+  gap: 16px;
+  margin-bottom: 18px;
+  flex-wrap: wrap;
+
+  h1 {
+    margin: 0;
+    font-size: 22px;
+    font-weight: 700;
+    letter-spacing: -0.01em;
+  }
+
+  p {
+    margin: 4px 0 0;
+    color: var(--cic-muted);
+    font-size: 13px;
+  }
+}
+
+.cic-actions {
+  display: flex;
+  gap: 8px;
+  flex-wrap: wrap;
+  align-items: center;
+}
+
+.cic-card {
+  background: #fff;
+  border: 1px solid var(--cic-line);
+  border-radius: 12px;
+  padding: 18px 20px;
+  margin-bottom: 16px;
+  box-shadow: 0 1px 2px rgb(15 23 42 / 4%);
+
+  > h2,
+  .cic-card-title {
+    margin: 0 0 14px;
+    font-size: 15px;
+    font-weight: 700;
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 10px;
+  }
+
+  .cic-card-sub {
+    color: var(--cic-muted);
+    font-size: 12px;
+    font-weight: 500;
+  }
+}
+
+.cic-grid {
+  display: grid;
+  gap: 14px;
+
+  &.cols-2 {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  &.cols-3 {
+    grid-template-columns: repeat(3, minmax(0, 1fr));
+  }
+
+  &.cols-4 {
+    grid-template-columns: repeat(4, minmax(0, 1fr));
+  }
+
+  @media (width <= 960px) {
+    &.cols-3,
+    &.cols-4 {
+      grid-template-columns: repeat(2, minmax(0, 1fr));
+    }
+  }
+
+  @media (width <= 640px) {
+    &.cols-2,
+    &.cols-3,
+    &.cols-4 {
+      grid-template-columns: 1fr;
+    }
+  }
+}
+
+.cic-split {
+  display: grid;
+  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
+  gap: 16px;
+
+  @media (width <= 1100px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.cic-stat {
+  background: #fff;
+  border: 1px solid var(--cic-line);
+  border-radius: 12px;
+  padding: 14px 16px;
+
+  .k {
+    font-size: 12px;
+    color: var(--cic-muted);
+    font-weight: 600;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+  }
+
+  .v {
+    font-size: 24px;
+    font-weight: 700;
+    margin-top: 6px;
+    font-variant-numeric: tabular-nums;
+  }
+
+  .s {
+    font-size: 12px;
+    color: var(--cic-muted);
+    margin-top: 2px;
+  }
+}
+
+.cic-field {
+  display: flex;
+  flex-direction: column;
+  gap: 5px;
+  min-width: 0;
+
+  label {
+    font-size: 12px;
+    font-weight: 600;
+    color: #334155;
+  }
+
+  .hint {
+    font-size: 11px;
+    color: var(--cic-muted);
+  }
+
+  input,
+  select,
+  textarea {
+    width: 100%;
+    border: 1px solid #cbd5e1;
+    border-radius: 8px;
+    padding: 8px 10px;
+    font-size: 13px;
+    font-family: inherit;
+    background: #fff;
+    color: var(--cic-ink);
+    box-sizing: border-box;
+
+    &:focus {
+      outline: none;
+      border-color: var(--cic-brand);
+      box-shadow: 0 0 0 3px rgb(29 78 216 / 12%);
+    }
+
+    &:disabled {
+      background: var(--cic-soft);
+      color: var(--cic-muted);
+    }
+  }
+
+  textarea {
+    resize: vertical;
+    min-height: 90px;
+  }
+}
+
+.cic-mono,
+textarea.cic-mono {
+  font-family: 'JetBrains Mono', 'Fira Code', Consolas, monospace !important;
+  font-size: 12px !important;
+}
+
+.cic-btn {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  border: 1px solid var(--cic-line);
+  background: #fff;
+  color: var(--cic-ink);
+  border-radius: 8px;
+  padding: 8px 14px;
+  font-size: 13px;
+  font-weight: 600;
+  cursor: pointer;
+  white-space: nowrap;
+
+  &:hover:not(:disabled) {
+    background: var(--cic-soft);
+  }
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+
+  &.primary {
+    background: var(--cic-brand);
+    border-color: var(--cic-brand);
+    color: #fff;
+
+    &:hover:not(:disabled) {
+      background: #1e40af;
+    }
+  }
+
+  &.danger {
+    color: var(--cic-bad);
+    border-color: #fecaca;
+
+    &:hover:not(:disabled) {
+      background: var(--cic-bad-soft);
+    }
+  }
+
+  &.sm {
+    padding: 5px 10px;
+    font-size: 12px;
+  }
+}
+
+.cic-badge {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 2px 9px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  letter-spacing: 0.02em;
+  background: var(--cic-soft);
+  color: var(--cic-muted);
+  border: 1px solid var(--cic-line);
+  white-space: nowrap;
+
+  &.good {
+    background: var(--cic-good-soft);
+    color: var(--cic-good);
+    border-color: #a7f3d0;
+  }
+
+  &.ok {
+    background: var(--cic-ok-soft);
+    color: var(--cic-ok);
+    border-color: #bae6fd;
+  }
+
+  &.warn {
+    background: var(--cic-warn-soft);
+    color: var(--cic-warn);
+    border-color: #fde68a;
+  }
+
+  &.bad {
+    background: var(--cic-bad-soft);
+    color: var(--cic-bad);
+    border-color: #fecaca;
+  }
+
+  &.brand {
+    background: var(--cic-brand-soft);
+    color: var(--cic-brand);
+    border-color: #bfdbfe;
+  }
+}
+
+.cic-alert {
+  border-radius: 10px;
+  padding: 10px 14px;
+  font-size: 13px;
+  margin-bottom: 14px;
+  border: 1px solid;
+
+  &.error {
+    background: var(--cic-bad-soft);
+    border-color: #fecaca;
+    color: var(--cic-bad);
+  }
+
+  &.success {
+    background: var(--cic-good-soft);
+    border-color: #a7f3d0;
+    color: var(--cic-good);
+  }
+
+  &.info {
+    background: var(--cic-brand-soft);
+    border-color: #bfdbfe;
+    color: #1e3a8a;
+  }
+
+  &.warn {
+    background: var(--cic-warn-soft);
+    border-color: #fde68a;
+    color: var(--cic-warn);
+  }
+
+  ul {
+    margin: 6px 0 0;
+    padding-left: 18px;
+  }
+}
+
+.cic-table-wrap {
+  overflow-x: auto;
+  border: 1px solid var(--cic-line);
+  border-radius: 10px;
+}
+
+.cic-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th {
+    text-align: left;
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: var(--cic-muted);
+    font-weight: 700;
+    background: var(--cic-soft);
+    padding: 9px 12px;
+    border-bottom: 1px solid var(--cic-line);
+    white-space: nowrap;
+  }
+
+  td {
+    padding: 9px 12px;
+    border-bottom: 1px solid #f1f5f9;
+    vertical-align: middle;
+  }
+
+  tr:last-child td {
+    border-bottom: none;
+  }
+
+  tr.clickable {
+    cursor: pointer;
+
+    &:hover td {
+      background: #f8fafc;
+    }
+  }
+
+  .num {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+  }
+
+  td input,
+  td select {
+    width: 100%;
+    border: 1px solid #cbd5e1;
+    border-radius: 6px;
+    padding: 5px 7px;
+    font-size: 12px;
+    box-sizing: border-box;
+    background: #fff;
+  }
+}
+
+.cic-empty {
+  text-align: center;
+  color: var(--cic-muted);
+  padding: 28px 12px;
+  font-size: 13px;
+}
+
+.cic-pager {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  margin-top: 12px;
+  font-size: 12px;
+  color: var(--cic-muted);
+}
+
+.cic-switch {
+  position: relative;
+  display: inline-block;
+  width: 40px;
+  height: 22px;
+  flex: none;
+
+  input {
+    opacity: 0;
+    width: 0;
+    height: 0;
+  }
+
+  span {
+    position: absolute;
+    inset: 0;
+    background: #cbd5e1;
+    border-radius: 999px;
+    transition: background 0.15s;
+    cursor: pointer;
+
+    &::before {
+      content: '';
+      position: absolute;
+      width: 16px;
+      height: 16px;
+      left: 3px;
+      top: 3px;
+      background: #fff;
+      border-radius: 50%;
+      transition: transform 0.15s;
+      box-shadow: 0 1px 2px rgb(0 0 0 / 20%);
+    }
+  }
+
+  input:checked + span {
+    background: var(--cic-good);
+  }
+
+  input:checked + span::before {
+    transform: translateX(18px);
+  }
+
+  input:disabled + span {
+    opacity: 0.5;
+    cursor: not-allowed;
+  }
+}
+
+.cic-tabs {
+  display: flex;
+  gap: 4px;
+  border-bottom: 1px solid var(--cic-line);
+  margin-bottom: 14px;
+  flex-wrap: wrap;
+
+  button {
+    border: none;
+    background: none;
+    padding: 9px 14px;
+    font-size: 13px;
+    font-weight: 600;
+    color: var(--cic-muted);
+    cursor: pointer;
+    border-bottom: 2px solid transparent;
+    margin-bottom: -1px;
+
+    &.active {
+      color: var(--cic-brand);
+      border-bottom-color: var(--cic-brand);
+    }
+  }
+}
+
+.cic-kv {
+  display: grid;
+  grid-template-columns: 170px minmax(0, 1fr);
+  gap: 7px 12px;
+  font-size: 13px;
+
+  dt {
+    color: var(--cic-muted);
+  }
+
+  dd {
+    margin: 0;
+    font-weight: 600;
+    word-break: break-word;
+  }
+}
+
+.cic-code {
+  background: #0f172a;
+  color: #e2e8f0;
+  border-radius: 10px;
+  padding: 12px 14px;
+  font-family: 'JetBrains Mono', 'Fira Code', Consolas, monospace;
+  font-size: 12px;
+  white-space: pre-wrap;
+  word-break: break-all;
+  max-height: 420px;
+  overflow: auto;
+  margin: 0;
+}
+
+.cic-trend {
+  display: flex;
+  align-items: flex-end;
+  gap: 6px;
+  height: 180px;
+  padding-top: 6px;
+
+  .col {
+    flex: 1;
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    justify-content: flex-end;
+    height: 100%;
+    min-width: 0;
+  }
+
+  .bar {
+    width: 100%;
+    max-width: 28px;
+    min-height: 2px;
+    background: var(--cic-brand);
+    border-radius: 4px 4px 0 0;
+  }
+
+  .n {
+    font-size: 10px;
+    color: var(--cic-muted);
+    margin-bottom: 2px;
+  }
+
+  .d {
+    font-size: 10px;
+    color: var(--cic-muted);
+    margin-top: 4px;
+  }
+}
+
+.cic-modal-backdrop {
+  position: fixed;
+  inset: 0;
+  background: rgb(15 23 42 / 45%);
+  z-index: 1000;
+  display: grid;
+  place-items: center;
+  padding: 16px;
+}
+
+.cic-modal {
+  background: #fff;
+  border-radius: 14px;
+  width: min(640px, 100%);
+  max-height: 90vh;
+  overflow: auto;
+  padding: 20px 22px;
+  box-shadow: 0 20px 50px rgb(15 23 42 / 25%);
+
+  h3 {
+    margin: 0 0 12px;
+    font-size: 16px;
+  }
+
+  .foot {
+    display: flex;
+    justify-content: flex-end;
+    gap: 8px;
+    margin-top: 16px;
+  }
+}
+
+.cic-bar {
+  height: 8px;
+  border-radius: 999px;
+  background: #f1f5f9;
+  overflow: hidden;
+
+  > div {
+    height: 100%;
+    background: var(--cic-brand);
+    border-radius: 999px;
+  }
+}
+
+.muted {
+  color: var(--cic-muted);
+}
+
+.tone-good {
+  color: var(--cic-good);
+}
+
+.tone-ok {
+  color: var(--cic-ok);
+}
+
+.tone-warn {
+  color: var(--cic-warn);
+}
+
+.tone-bad {
+  color: var(--cic-bad);
+}

src/app/credit-bureau/cic.service.ts

@@ -0,0 +1,276 @@
+/**
+ * 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 { HttpClient, HttpContext, HttpParams } from '@angular/common/http';
+import { Injectable, inject } from '@angular/core';
+import { Observable } from 'rxjs';
+
+import { SILENT_HTTP_ERROR } from '../core/http/silent-error.token';
+
+/** A credit bureau (CIC) as configured for the bank. Never carries the secret itself. */
+export interface CicBureau {
+  id: number;
+  code: string;
+  name: string;
+  description?: string;
+  whitelisted: boolean;
+  isDefault: boolean;
+  environment: 'SIMULATOR' | 'UAT' | 'PRODUCTION';
+  baseUrl?: string;
+  memberCode?: string;
+  authType: string;
+  username?: string;
+  apiKeyHeader?: string;
+  hasSecret: boolean;
+  tokenUrl?: string;
+  clientId?: string;
+  timeoutMs: number;
+  alertAutoFetch: boolean;
+  alertFetchIntervalMin: number;
+  alertLookbackDays: number;
+  lastFetchOn?: string;
+  lastFetchStatus?: string;
+  lastFetchMessage?: string;
+  lastTestStatus?: string;
+  lastTestMessage?: string;
+  lastTestedOn?: string;
+  updatedOn?: string;
+  activeEndpoints: number;
+  alertsLast30Days: number;
+  newAlerts: number;
+}
+
+export interface CicMapping {
+  id?: number;
+  sourceField: string | null;
+  targetField: string;
+  transform: string;
+  defaultValue: string | null;
+  mandatory: boolean;
+  sortOrder?: number;
+}
+
+export interface CicEndpoint {
+  bureauId: number;
+  endpointType: string;
+  exists: boolean;
+  id?: number;
+  httpMethod: string;
+  path?: string;
+  contentType: string;
+  headersJson: string;
+  baseBody: string;
+  isActive: boolean;
+  requestMappings: CicMapping[];
+  responseMappings: CicMapping[];
+}
+
+export interface CicCatalog {
+  environments: string[];
+  authTypes: string[];
+  endpointTypes: string[];
+  httpMethods: string[];
+  cbsFields: Record<string, string>;
+  resultFields: Record<string, string>;
+  rootFields: string[];
+  transforms: Record<string, string>;
+  alertStatuses: string[];
+  matchTypes: string[];
+}
+
+/** One enquiry made on our customer at another lender, as reported by the CIC. */
+export interface CicAlert {
+  id: number;
+  bureauId: number;
+  bureauCode: string;
+  alertKey: string;
+  clientId?: number;
+  clientName?: string;
+  clientAccountNo?: string;
+  officeId?: number;
+  officeName?: string;
+  matchType: 'PAN' | 'AADHAAR' | 'CUSTOMER_REF' | 'MANUAL' | 'NONE';
+  customerName?: string;
+  panMasked?: string;
+  aadhaarMasked?: string;
+  customerRef?: string;
+  enquiryDate?: string;
+  loanType?: string;
+  amount?: number;
+  purpose?: string;
+  location?: string;
+  status: 'NEW' | 'SEEN' | 'ACTIONED' | 'DISMISSED';
+  remarks?: string;
+  actionedByName?: string;
+  actionedOn?: string;
+  receivedVia?: string;
+  receivedOn?: string;
+  raw?: any;
+  fetchRunId?: number;
+  otherAlertsOfCustomer?: CicAlert[];
+  clientLoans?: {
+    id: number;
+    accountNo: string;
+    productName: string;
+    status: string;
+    principal: number;
+    outstanding: number;
+    disbursedOn?: string;
+  }[];
+}
+
+export interface CicFetchRun {
+  id: number;
+  runRef: string;
+  bureauId: number;
+  bureauCode: string;
+  trigger: 'MANUAL' | 'SCHEDULED';
+  environment?: string;
+  fromDate?: string;
+  toDate?: string;
+  status: 'RUNNING' | 'SUCCESS' | 'FAILED';
+  httpStatus?: number;
+  received: number;
+  newAlerts: number;
+  matched: number;
+  unmatched: number;
+  duplicates: number;
+  ownBank: number;
+  message?: string;
+  durationMs?: number;
+  triggeredByName?: string;
+  startedOn: string;
+  request?: string;
+  response?: string;
+}
+
+export interface CicPage<T> {
+  totalFilteredRecords: number;
+  pageItems: T[];
+}
+
+export const CIC_MATCH_LABELS: Record<string, string> = {
+  PAN: 'PAN',
+  AADHAAR: 'Aadhaar',
+  CUSTOMER_REF: 'Customer ref',
+  MANUAL: 'Linked manually',
+  NONE: 'Not matched'
+};
+
+export function cicStatusTone(status: string): string {
+  return status === 'NEW' ? 'bad' : status === 'SEEN' ? 'warn' : status === 'ACTIONED' ? 'good' : '';
+}
+
+/** The server's own message for a failed call. */
+export function cicError(err: any, fallback = 'Something went wrong. Please try again.'): string {
+  return (
+    err?.error?.errors?.[0]?.defaultUserMessage ??
+    err?.error?.defaultUserMessage ??
+    err?.error?.message ??
+    err?.message ??
+    fallback
+  );
+}
+
+@Injectable({ providedIn: 'root' })
+export class CicService {
+  private http = inject(HttpClient);
+  private base = '/cic';
+  /** Errors are shown inline on these screens, so the global alert is suppressed. */
+  private silent = { context: new HttpContext().set(SILENT_HTTP_ERROR, true) };
+
+  catalog(): Observable<CicCatalog> {
+    return this.http.get<CicCatalog>(`${this.base}/catalog`, this.silent);
+  }
+
+  bureaus(whitelistedOnly = false): Observable<CicBureau[]> {
+    return this.http.get<CicBureau[]>(`${this.base}/bureaus`, {
+      ...this.silent,
+      params: new HttpParams().set('whitelistedOnly', String(whitelistedOnly))
+    });
+  }
+
+  updateBureau(id: number, body: any): Observable<CicBureau> {
+    return this.http.put<CicBureau>(`${this.base}/bureaus/${id}`, body, this.silent);
+  }
+
+  setWhitelisted(id: number, whitelisted: boolean): Observable<CicBureau> {
+    return this.http.put<CicBureau>(`${this.base}/bureaus/${id}/whitelist`, { whitelisted }, this.silent);
+  }
+
+  testConnection(id: number): Observable<{ status: string; message: string }> {
+    return this.http.post<{ status: string; message: string }>(
+      `${this.base}/bureaus/${id}/test-connection`,
+      {},
+      this.silent
+    );
+  }
+
+  endpoint(bureauId: number, type: string): Observable<CicEndpoint> {
+    return this.http.get<CicEndpoint>(`${this.base}/bureaus/${bureauId}/endpoints/${type}`, this.silent);
+  }
+
+  saveEndpoint(bureauId: number, type: string, body: any): Observable<CicEndpoint> {
+    return this.http.put<CicEndpoint>(`${this.base}/bureaus/${bureauId}/endpoints/${type}`, body, this.silent);
+  }
+
+  preview(bureauId: number, body: { fromDate?: string; toDate?: string }): Observable<any> {
+    return this.http.post<any>(`${this.base}/bureaus/${bureauId}/preview`, body, this.silent);
+  }
+
+  parseTest(bureauId: number, content: string | null): Observable<any> {
+    return this.http.post<any>(`${this.base}/bureaus/${bureauId}/parse-test`, { content }, this.silent);
+  }
+
+  fetch(bureauId: number, body: { fromDate?: string; toDate?: string } = {}): Observable<CicFetchRun> {
+    return this.http.post<CicFetchRun>(`${this.base}/bureaus/${bureauId}/fetch`, body, this.silent);
+  }
+
+  fetchRuns(filter: Record<string, any>): Observable<CicPage<CicFetchRun>> {
+    return this.http.get<CicPage<CicFetchRun>>(`${this.base}/fetch-runs`, {
+      ...this.silent,
+      params: this.params(filter)
+    });
+  }
+
+  fetchRun(id: number): Observable<CicFetchRun> {
+    return this.http.get<CicFetchRun>(`${this.base}/fetch-runs/${id}`, this.silent);
+  }
+
+  dashboard(days = 30): Observable<any> {
+    return this.http.get<any>(`${this.base}/dashboard`, {
+      ...this.silent,
+      params: new HttpParams().set('days', String(days))
+    });
+  }
+
+  alert(id: number): Observable<CicAlert> {
+    return this.http.get<CicAlert>(`${this.base}/alerts/${id}`, this.silent);
+  }
+
+  updateStatus(id: number, status: string, remarks?: string | null): Observable<CicAlert> {
+    return this.http.put<CicAlert>(`${this.base}/alerts/${id}/status`, { status, remarks }, this.silent);
+  }
+
+  linkClient(id: number, clientId: number): Observable<CicAlert> {
+    return this.http.put<CicAlert>(`${this.base}/alerts/${id}/client`, { clientId }, this.silent);
+  }
+
+  private params(filter: Record<string, any>): HttpParams {
+    let params = new HttpParams();
+    Object.entries(filter).forEach(
+      ([
+        k,
+        v
+      ]) => {
+        if (v !== null && v !== undefined && v !== '') params = params.set(k, String(v));
+      }
+    );
+    return params;
+  }
+}

src/app/credit-bureau/credit-bureau-routing.module.ts

@@ -0,0 +1,49 @@
+/**
+ * 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 { CicDashboardComponent } from './cic-dashboard/cic-dashboard.component';
+import { CicFetchLogComponent } from './cic-fetch-log/cic-fetch-log.component';
+
+const routes: Routes = [
+  Route.withShell([
+    {
+      path: 'credit-bureau',
+      data: { title: 'Credit Bureau', breadcrumb: 'Credit Bureau' },
+      children: [
+        {
+          path: '',
+          redirectTo: 'dashboard',
+          pathMatch: 'full'
+        },
+        {
+          path: 'dashboard',
+          component: CicDashboardComponent,
+          data: { title: 'Credit Bureau Dashboard', breadcrumb: 'Dashboard' }
+        },
+        {
+          path: 'fetch-log',
+          component: CicFetchLogComponent,
+          data: { title: 'Fetch Log', breadcrumb: 'Fetch Log' }
+        },
+        // The bureaus are set up, whitelisted and mapped under API Management like every other vendor.
+        { path: 'bureaus', redirectTo: '/api-management/vendors', pathMatch: 'full' },
+        { path: 'api-mapping', redirectTo: '/api-management/vendors', pathMatch: 'full' }
+      ]
+    }
+  ])
+];
+
+@NgModule({
+  imports: [RouterModule.forChild(routes)],
+  exports: [RouterModule]
+})
+export class CreditBureauRoutingModule {}

src/app/credit-bureau/credit-bureau.module.ts

@@ -0,0 +1,36 @@
+/**
+ * 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 { CreditBureauRoutingModule } from './credit-bureau-routing.module';
+import { CicDashboardComponent } from './cic-dashboard/cic-dashboard.component';
+import { CicFetchLogComponent } from './cic-fetch-log/cic-fetch-log.component';
+import { CicAlertDetailComponent } from './cic-alert-detail/cic-alert-detail.component';
+import { CicService } from './cic.service';
+import { CicStaticService } from './cic-static.service';
+
+/**
+ * CIC / credit bureau (CIBIL, Experian, Equifax, CRIF) - its own top-level menu: enquiry alerts on our customers from
+ * other lenders and the fetch log. Each bureau's connection, whitelist and API mapping live under API Management.
+ */
+@NgModule({
+  imports: [
+    SharedModule,
+    CreditBureauRoutingModule,
+    CicDashboardComponent,
+    CicFetchLogComponent,
+    CicAlertDetailComponent
+  ],
+  providers: [
+    // Static demo data, no backend call. Remove this line to use the real /v1/cic API again.
+    { provide: CicService, useClass: CicStaticService }
+  ]
+})
+export class CreditBureauModule {}

src/app/current-accounts/current-account-stepper/current-account-details-step/current-account-details-step.component.html

@@ -13,6 +13,18 @@
       <i class="fas fa-info-circle"></i>
       <h3>Account Details</h3>
     </div>
+    @if (isCcRequest) {
+      <p class="sad-cc-note">
+        @if (ccProductsMissing) {
+          <strong>No CC product yet.</strong> A Cash Credit account is opened on a current product that allows an
+          overdraft against a sanctioned limit. Create or edit a current product with “Is Overdraft Allowed” switched
+          on, then come back here.
+        } @else {
+          Opening a <strong>Cash Credit (CC)</strong> account: only products that allow an overdraft are listed. The
+          sanctioned limit comes from the product.
+        }
+      </p>
+    }
     <div class="sad-grid">
       <mat-form-field appearance="outline" class="sad-field">
         <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>

src/app/current-accounts/current-account-stepper/current-account-details-step/current-account-details-step.component.scss

@@ -1735,3 +1735,16 @@ $ni-bg: #f9fafb;
     margin-top: 2px;
   }
 }
+
+/* Shown when the screen was opened from "New CC Account". */
+.sad-cc-note {
+  margin: 0 0 14px;
+  padding: 10px 14px;
+  border: 1px solid #bfdbfe;
+  border-left: 4px solid #1d4ed8;
+  border-radius: 8px;
+  background: #eff6ff;
+  color: #1e3a8a;
+  font-size: 13px;
+  line-height: 1.5;
+}

src/app/current-accounts/current-account-stepper/current-account-details-step/current-account-details-step.component.ts

@@ -31,6 +31,8 @@ import { AddRelatedClientDialogComponent } from './add-related-client-dialog/add
 import { AlertService } from 'app/core/alert/alert.service';
 import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
+import { ActivatedRoute } from '@angular/router';
+import { ProductsService } from 'app/products/products.service';
 
 /**
  * Current Account Details Step
@@ -58,6 +60,13 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
   private alertService = inject(AlertService);
   private dateUtils = inject(Dates);
   private cdr = inject(ChangeDetectorRef);
+  private route = inject(ActivatedRoute);
+  private productsService = inject(ProductsService);
+
+  /** Opened from "New CC Account": only products that allow an overdraft are offered. */
+  isCcRequest = false;
+  /** A CC account was asked for but no current product allows an overdraft yet. */
+  ccProductsMissing = false;
 
   @Input() currentAccountTemplate: any;
   @Input() hideButtons = false;
@@ -216,8 +225,13 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
       });
     }
 
+    this.isCcRequest = this.route.snapshot.queryParamMap.get('cc') === '1';
+
     if (this.currentAccountTemplate) {
       this.productData = this.currentAccountTemplate.productOptions;
+      if (this.isCcRequest && !this.currentAccountTemplate.accountNo) {
+        this.limitProductsToCc();
+      }
       const existingProductId =
         this.currentAccountTemplate.currentAccountProductId ?? this.currentAccountTemplate.productId;
       // Edit mode: account response always has accountNo; pure template has previewAccountNo only
@@ -255,6 +269,24 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
     }
   }
 
+  /**
+   * A Cash Credit account takes its overdraft and limit from the product it is opened on, so a CC account is opened on a
+   * product that allows an overdraft. The template lists every current product without saying which allow one, so the
+   * product list is read to tell them apart.
+   */
+  private limitProductsToCc(): void {
+    this.productsService
+      .getCurrentProducts()
+      .pipe(catchError(() => of([] as any[])))
+      .subscribe((res: any) => {
+        const products: any[] = Array.isArray(res) ? res : (res?.pageItems ?? []);
+        const overdraftIds = new Set(products.filter((p) => p.allowOverdraft).map((p) => p.id));
+        this.productData = (this.productData || []).filter((p: any) => overdraftIds.has(p.id));
+        this.ccProductsMissing = this.productData.length === 0;
+        this.cdr.detectChanges();
+      });
+  }
+
   createCurrentAccountDetailsForm() {
     this.currentAccountDetailsForm = this.formBuilder.group({
       productId: [

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.html

@@ -331,14 +331,12 @@
                     <span class="fdrc-maturity-row__value">{{ matchResult.appliedRate | number: '1.2-2' }}% p.a.</span>
                   </div>
                   <div class="fdrc-maturity-row fdrc-maturity-row--interest">
-                    <span class="fdrc-maturity-row__label">{{
-                      isSpecial ? 'Total Interest (paid out monthly)' : 'Interest Earned'
-                    }}</span>
+                    <span class="fdrc-maturity-row__label">Interest Earned</span>
                     <span class="fdrc-maturity-row__value">₹ {{ matchResult.interestEarned | number: '1.2-2' }}</span>
                   </div>
                   @if (isSpecial && matchResult.estimatedMonthlyPayout) {
                     <div class="fdrc-maturity-row">
-                      <span class="fdrc-maturity-row__label">Monthly Payout (approx., by days in the month)</span>
+                      <span class="fdrc-maturity-row__label">Monthly Payout</span>
                       <span class="fdrc-maturity-row__value fdrc-maturity-row__value--highlight">
                         ₹ {{ matchResult.estimatedMonthlyPayout | number: '1.2-2' }} / month
                       </span>
@@ -353,64 +351,13 @@
                       }
                     </span>
                     <span class="fdrc-maturity-row__value fdrc-maturity-row__value--big">
-                      ₹ {{ matchResult.maturityAmount | number: '1.2-2' }}
+                      ₹ {{ (isSpecial ? principalAmount : matchResult.maturityAmount) | number: '1.2-2' }}
                     </span>
                   </div>
-                  @if (isSpecial && specialPreview) {
-                    <div class="fdrc-maturity-row">
-                      <span class="fdrc-maturity-row__label">Maturity Date</span>
-                      <span class="fdrc-maturity-row__value">{{
-                        specialPreview.maturityDate | date: 'dd MMM yyyy'
-                      }}</span>
-                    </div>
-                    <div class="fdrc-maturity-row">
-                      <span class="fdrc-maturity-row__label">Monthly payouts</span>
-                      <span class="fdrc-maturity-row__value">{{ specialPreview.numberOfPayouts }}</span>
-                    </div>
-                    <div class="fdrc-maturity-row">
-                      <span class="fdrc-maturity-row__label">Principal + all payouts</span>
-                      <span class="fdrc-maturity-row__value"
-                        >₹ {{ specialPreview.totalValueAtMaturity | number: '1.2-2' }}</span
-                      >
-                    </div>
-                  }
                 </div>
               </div>
-
-              @if (isSpecial && specialPreview) {
-                <div class="fdrc-schedule">
-                  <div class="fdrc-schedule__head">
-                    <span><i class="fas fa-calendar-alt"></i> Monthly Interest Payout Schedule</span>
-                    <button
-                      mat-stroked-button
-                      type="button"
-                      class="fdrc-schedule__toggle"
-                      (click)="openSpecialSchedule()"
-                    >
-                      View payout schedule ({{ specialPreview.numberOfPayouts }})
-                    </button>
-                  </div>
-                  <div class="fdrc-schedule__note">
-                    From {{ specialPreview.startDate | date: 'dd MMM yyyy' }} (the day the account is opened) to
-                    {{ specialPreview.maturityDate | date: 'dd MMM yyyy' }}, worked out by the account engine from the
-                    product.
-                  </div>
-                </div>
-              }
             }
-            @if (specialPreviewLoading) {
-              <div class="fdrc-payout-hint">
-                <i class="fas fa-spinner fa-spin"></i>
-                Working out the maturity from the product…
-              </div>
-            }
-            @if (specialPreviewError) {
-              <div class="fdrc-payout-hint fdrc-payout-hint--error">
-                <i class="fas fa-exclamation-triangle"></i>
-                {{ specialPreviewError }}
-              </div>
-            }
-            @if (!matchResult.maturityAmount && !specialPreviewLoading && !specialPreviewError) {
+            @if (!matchResult.maturityAmount) {
               <div class="fdrc-payout-hint">
                 <i class="fas fa-lightbulb"></i>
                 Enter a deposit amount above to see the maturity calculation.

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.scss

@@ -1229,72 +1229,3 @@ $red-light: #fee2e2;
     font-weight: 700;
   }
 }
-
-/* FD Special: payout schedule from the backend preview */
-.fdrc-schedule {
-  margin-top: 12px;
-  border: 1px solid #bbf7d0;
-  border-radius: 10px;
-  background: #fff;
-  overflow: hidden;
-
-  &__head {
-    display: flex;
-    align-items: center;
-    justify-content: space-between;
-    gap: 8px;
-    padding: 8px 14px;
-    background: #f0fdf4;
-    font-size: 12px;
-    font-weight: 700;
-    color: #166534;
-    text-transform: uppercase;
-    letter-spacing: 0.05em;
-  }
-
-  &__note {
-    padding: 6px 14px;
-    font-size: 12px;
-    color: #475569;
-  }
-
-  &__wrap {
-    max-height: 360px;
-    overflow: auto;
-  }
-
-  &__table {
-    width: 100%;
-    border-collapse: collapse;
-    font-size: 13px;
-
-    th,
-    td {
-      padding: 6px 14px;
-      border-top: 1px solid #e2e8f0;
-      text-align: left;
-    }
-
-    th {
-      position: sticky;
-      top: 0;
-      background: #f8fafc;
-      font-size: 11px;
-      text-transform: uppercase;
-      color: #64748b;
-    }
-
-    .num {
-      text-align: right;
-    }
-
-    tfoot td {
-      font-weight: 700;
-      background: #f0fdf4;
-    }
-  }
-}
-
-.fdrc-payout-hint--error {
-  color: #b91c1c;
-}

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.ts

@@ -36,39 +36,12 @@ import { FormsModule } from '@angular/forms';
 import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { FixedDepositsService } from '../../fixed-deposits.service';
-import { MatDialog } from '@angular/material/dialog';
-import { InterestScheduleDialogComponent } from '../../fixed-deposit-account-view/custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component';
 import { ClientsService } from 'app/clients/clients.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { SENIOR_CITIZEN_AGE_THRESHOLD, deriveSeniorCitizenStatus } from 'app/clients/shared/client-age.util';
 
 export type FdPeriodUnit = 'Days' | 'Months' | 'Years';
 
-/**
- * yyyy-MM-dd of the calendar day as the user sees it. toISOString() gives the UTC day instead, which in India is the day
- * before for any date at local midnight - so a deposit opened on the 21st was quoted from the 20th.
- */
-function localIsoDate(d: Date): string {
-  const pad = (n: number) => String(n).padStart(2, '0');
-  return `${d.getFullYear()}-${pad(d.getMonth() + 1)}-${pad(d.getDate())}`;
-}
-
-/** FD quote from POST fixeddepositaccounts/account-preview (worked out by the account engine, every FD type). */
-export interface SpecialPayoutPreview {
-  fdType: string;
-  depositAmount: number;
-  annualInterestRate: number;
-  seniorCitizen: boolean;
-  startDate: string;
-  maturityDate: string;
-  numberOfPayouts: number;
-  fullMonthPayout: number;
-  totalInterest: number;
-  maturityAmount: number;
-  totalValueAtMaturity: number;
-  periods: { period: number; fromDate: string; toDate: string; days: number; interestAmount: number }[];
-}
-
 export interface SlabMatchResult {
   slab: any;
   slabIndex: number;
@@ -114,7 +87,6 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   private clientsService = inject(ClientsService);
   private settingsService = inject(SettingsService);
   private cdr = inject(ChangeDetectorRef);
-  private dialog = inject(MatDialog);
 
   @Input() fixedDepositsAccountTemplate: any;
   @Input() fixedDepositsAccountProductTemplate: any;
@@ -191,10 +163,6 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   }
 
   matchResult: SlabMatchResult | null = null;
-  /** FD Special only: the backend's quote and payout schedule for the tenure and amount entered. */
-  specialPreview: SpecialPayoutPreview | null = null;
-  specialPreviewLoading = false;
-  specialPreviewError: string | null = null;
   validationWarning: string | null = null;
 
   // ── FD Type labels ──────────────────────────────────────────────────────
@@ -302,8 +270,6 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   calculateRate() {
     this.validationWarning = null;
     this.matchResult = null;
-    this.specialPreview = null;
-    this.specialPreviewError = null;
 
     if (!this.tenureValue || this.tenureValue <= 0) {
       this.validationWarning = 'Please enter a valid tenure value greater than 0.';
@@ -368,6 +334,30 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     const frequencyId = this.resolveFrequencyId(this.tenurePeriodUnit);
 
     if (this.principalAmount && this.principalAmount > 0) {
+      // Years and Months convert exactly; a Days tenure is sent as days and never converted.
+      let tenureInMonths: number | undefined;
+      let tenureInDays: number | undefined;
+      if (this.tenurePeriodUnit === 'Years') {
+        tenureInMonths = this.tenureValue * 12;
+      } else if (this.tenurePeriodUnit === 'Months') {
+        tenureInMonths = this.tenureValue;
+      } else {
+        // Sent as days, whatever the count. Converting to whole months silently dropped the
+        // remainder — a 200-day deposit quoted as six months lost 20 days of interest, and the
+        // screen still said "200 Days" above the figure. The backend takes days directly and
+        // works the calendar out itself.
+        tenureInDays = enteredDays;
+      }
+
+      // Map compounding period type id → months (0=Daily, 1=Daily, 4=Monthly, 5=Quarterly, 6=SemiAnnual, 7=Annual)
+      const compMap: Record<number, number> = { 1: 0, 4: 1, 5: 3, 6: 6, 7: 12 };
+      const compId = this.fixedDepositsAccountProductTemplate?.interestCompoundingPeriodType?.id ?? 4;
+      const compMonths = compMap[compId] ?? 1;
+
+      // Map posting period type id → months
+      const postId = this.fixedDepositsAccountProductTemplate?.interestPostingPeriodType?.id ?? 4;
+      const postMonths = compMap[postId] ?? 1;
+
       const emitResult = () => {
         if (frequencyId !== null) {
           this.tenureSelected.emit({
@@ -385,7 +375,7 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
       // Get submittedOnDate — Input takes priority over template data
       let submittedOnDateStr: string;
       if (this.submittedOnDate) {
-        submittedOnDateStr = localIsoDate(this.submittedOnDate);
+        submittedOnDateStr = this.submittedOnDate.toISOString().split('T')[0];
       } else {
         const submittedOnDateRaw =
           this.fixedDepositsAccountTemplate?.timeline?.submittedOnDate ??
@@ -394,18 +384,63 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
           const d = Array.isArray(submittedOnDateRaw)
             ? new Date(submittedOnDateRaw[0], submittedOnDateRaw[1] - 1, submittedOnDateRaw[2])
             : new Date(submittedOnDateRaw);
-          submittedOnDateStr = !isNaN(d.getTime()) ? localIsoDate(d) : localIsoDate(new Date());
+          submittedOnDateStr = !isNaN(d.getTime())
+            ? d.toISOString().split('T')[0]
+            : new Date().toISOString().split('T')[0];
         } else {
-          submittedOnDateStr = localIsoDate(new Date());
+          submittedOnDateStr = new Date().toISOString().split('T')[0];
         }
       }
-      // The whole quote - rate, maturity date, maturity amount and, for FD Special, the month-by-month payout
-      // schedule - comes from the backend, which builds the would-be account from the product exactly as Submit does
-      // (its posting periods, compounding, days in year, rate card, senior-citizen rate) and runs the account's own
-      // interest engine. Nothing is worked out here: on an error the quote is simply not shown, never estimated.
-      if (frequencyId !== null) {
-        this.loadAccountPreview(result, rate, submittedOnDateStr, frequencyId, emitResult);
-      }
+      const daysInYearVal =
+        this.fixedDepositsAccountProductTemplate?.interestCalculationDaysInYearType?.id === 360 ? 360 : 365;
+
+      // Always use backend API for accurate calculation (including daily compounding with 0)
+      this.fixedDepositsService
+        .calculateFixedDepositInterest({
+          principalAmount: this.principalAmount,
+          annualInterestRate: rate,
+          tenureInMonths,
+          tenureInDays,
+          interestCompoundingPeriodInMonths: compMonths, // 0 = daily, now supported by backend
+          interestPostingPeriodInMonths: postMonths,
+          submittedOnDate: submittedOnDateStr,
+          daysInYear: daysInYearVal
+        })
+        .subscribe({
+          next: (apiResult: any) => {
+            result.maturityAmount = apiResult.maturityAmount;
+            result.interestEarned =
+              apiResult.totalInterest ?? Math.round((apiResult.maturityAmount - this.principalAmount) * 100) / 100;
+            this.matchResult = { ...result };
+            emitResult();
+          },
+          error: () => {
+            // Fallback if API fails: frontend formula
+            const r = rate / 100;
+            if (compMonths === 0) {
+              // Daily compounding fallback
+              result.maturityAmount =
+                Math.round(this.principalAmount * Math.pow(1 + r / daysInYearVal, enteredDays) * 100) / 100;
+            } else {
+              const n = 12 / compMonths;
+              const effectiveMonths = tenureInMonths ?? enteredDays / 30;
+              const rPerCompounding = rate / (n * 100);
+              // Whole compounding periods, then simple interest on the days left over. Flooring the
+              // periods and stopping there dropped the remainder entirely: a 200-day deposit
+              // compounding monthly quoted only six months of interest and lost the other twenty
+              // days, which is the depositor's money.
+              const wholePeriods = Math.floor(effectiveMonths / compMonths);
+              const compounded = this.principalAmount * Math.pow(1 + rPerCompounding, wholePeriods);
+              const leftoverDays = enteredDays - wholePeriods * compMonths * 30;
+              const leftoverInterest =
+                leftoverDays > 0 ? (compounded * rate * leftoverDays) / (100 * daysInYearVal) : 0;
+              result.maturityAmount = Math.round((compounded + leftoverInterest) * 100) / 100;
+            }
+            result.interestEarned = Math.round((result.maturityAmount - this.principalAmount) * 100) / 100;
+            this.matchResult = { ...result };
+            emitResult();
+          }
+        });
     } else {
       this.matchResult = result;
       if (frequencyId !== null) {
@@ -422,96 +457,6 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     }
   }
 
-  /** The backend's payout schedule in the same popup the account itself uses, in its quote (preview) mode. */
-  openSpecialSchedule(): void {
-    if (!this.specialPreview) return;
-    this.dialog.open(InterestScheduleDialogComponent, {
-      width: '760px',
-      data: {
-        preview: true,
-        currencyCode: this.fixedDepositsAccountProductTemplate?.currency?.code ?? 'INR',
-        note:
-          'Worked out by the account engine from the product, starting ' +
-          this.specialPreview.startDate +
-          ' (the day the account is opened) and ending the day before maturity on ' +
-          this.specialPreview.maturityDate +
-          '. The first and last periods are part-months; each pays for the days it covers.',
-        schedule: this.specialPreview.periods.map((p) => ({
-          fromDate: p.fromDate,
-          toDate: p.toDate,
-          days: p.days,
-          interestAmount: Number(p.interestAmount),
-          paid: false
-        }))
-      }
-    });
-  }
-
-  /**
-   * Asks the backend for the quote (POST fixeddepositaccounts/account-preview) with the same terms Submit sends: the
-   * product's own interest terms, and the senior-citizen rate the same way Submit overrides it. The rate, maturity
-   * amount and interest shown are the backend's, so they match the account once it is created.
-   */
-  private loadAccountPreview(
-    result: SlabMatchResult,
-    rate: number,
-    submittedOnDateStr: string,
-    frequencyId: number,
-    emitResult: () => void
-  ): void {
-    const pt = this.fixedDepositsAccountProductTemplate ?? {};
-    const body: any = {
-      clientId: pt.clientId ?? this.fixedDepositsAccountTemplate?.clientId,
-      productId: pt.depositProductId ?? pt.productId ?? this.fixedDepositsAccountTemplate?.productId,
-      submittedOnDate: submittedOnDateStr,
-      dateFormat: 'yyyy-MM-dd',
-      locale: 'en',
-      depositAmount: this.principalAmount,
-      depositPeriod: this.tenureValue,
-      depositPeriodFrequencyId: frequencyId
-    };
-    if (pt.nominalAnnualInterestRate != null) body.nominalAnnualInterestRate = pt.nominalAnnualInterestRate;
-    if (pt.interestCompoundingPeriodType?.id != null)
-      body.interestCompoundingPeriodType = pt.interestCompoundingPeriodType.id;
-    if (pt.interestPostingPeriodType?.id != null) body.interestPostingPeriodType = pt.interestPostingPeriodType.id;
-    if (pt.interestCalculationType?.id != null) body.interestCalculationType = pt.interestCalculationType.id;
-    if (pt.interestCalculationDaysInYearType?.id != null)
-      body.interestCalculationDaysInYearType = pt.interestCalculationDaysInYearType.id;
-    if (this.isSeniorCitizen && rate > 0) {
-      body.isSeniorCitizen = true;
-      body.seniorCitizenInterestRate = rate;
-      body.nominalAnnualInterestRate = rate;
-    }
-
-    this.specialPreview = null;
-    this.specialPreviewError = null;
-    this.specialPreviewLoading = true;
-    this.fixedDepositsService.accountPreview(body).subscribe({
-      next: (preview: SpecialPayoutPreview) => {
-        this.specialPreviewLoading = false;
-        this.specialPreview = preview;
-        result.appliedRate = Number(preview.annualInterestRate);
-        result.interestEarned = Number(preview.totalInterest);
-        result.estimatedMonthlyPayout = preview.fullMonthPayout != null ? Number(preview.fullMonthPayout) : undefined;
-        result.maturityAmount = Number(preview.maturityAmount);
-        this.matchResult = { ...result };
-        emitResult();
-        this.cdr.markForCheck();
-      },
-      error: (e: any) => {
-        this.specialPreviewLoading = false;
-        this.specialPreviewError =
-          e?.error?.errors?.[0]?.defaultUserMessage ||
-          e?.error?.defaultUserMessage ||
-          'Could not work out the maturity. Check the deposit details and try again.';
-        result.maturityAmount = undefined;
-        result.interestEarned = undefined;
-        this.matchResult = { ...result };
-        this.cdr.markForCheck();
-      }
-    });
-  }
-
   private resolveFrequencyId(unit: FdPeriodUnit): number | null {
     const options: any[] = this.fixedDepositsAccountProductTemplate?.periodFrequencyTypeOptions ?? [];
     const unitLower = unit.toLowerCase();
@@ -526,16 +471,12 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     this.tenureValue = null;
     this.principalAmount = null;
     this.matchResult = null;
-    this.specialPreview = null;
-    this.specialPreviewError = null;
     this.validationWarning = null;
     this.tenurePeriodUnit = this.allowedPeriodUnits[0];
   }
 
   onPeriodUnitChange() {
     this.matchResult = null;
-    this.specialPreview = null;
-    this.specialPreviewError = null;
     this.validationWarning = null;
   }
 
@@ -583,8 +524,6 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
       this.calculateRate();
     } else {
       this.matchResult = null;
-      this.specialPreview = null;
-      this.specialPreviewError = null;
     }
   }
 

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-preview-step/fixed-deposit-account-preview-step.component.html

@@ -326,7 +326,7 @@
             <div class="preview-dorm-step__body">
               <span class="preview-dorm-step__label">Inactive</span>
               <span class="preview-dorm-step__days">
-                @if ((fixedDepositsAccountProductTemplate?.daysToInactive ?? null) !== null) {
+                @if (fixedDepositsAccountProductTemplate?.daysToInactive != null) {
                   After {{ fixedDepositsAccountProductTemplate.daysToInactive }} days of no transaction
                 } @else {
                   Not configured
@@ -340,7 +340,7 @@
             <div class="preview-dorm-step__body">
               <span class="preview-dorm-step__label">Dormant</span>
               <span class="preview-dorm-step__days">
-                @if ((fixedDepositsAccountProductTemplate?.daysToDormancy ?? null) !== null) {
+                @if (fixedDepositsAccountProductTemplate?.daysToDormancy != null) {
                   {{ fixedDepositsAccountProductTemplate.daysToDormancy }} days after inactive
                 } @else {
                   Not configured
@@ -354,7 +354,7 @@
             <div class="preview-dorm-step__body">
               <span class="preview-dorm-step__label">Escheat</span>
               <span class="preview-dorm-step__days">
-                @if ((fixedDepositsAccountProductTemplate?.daysToEscheat ?? null) !== null) {
+                @if (fixedDepositsAccountProductTemplate?.daysToEscheat != null) {
                   {{ fixedDepositsAccountProductTemplate.daysToEscheat }} days after dormant
                 } @else {
                   Not configured
@@ -458,15 +458,13 @@
             <span class="preview-value">{{ maturitySummary.tenureLabel }}</span>
           </div>
           <div class="preview-field">
-            <span class="preview-label">{{
-              isSpecial ? 'Total Interest (paid out monthly)' : 'Estimated Interest Earned'
-            }}</span>
+            <span class="preview-label">Estimated Interest Earned</span>
             <span class="preview-value" style="color: var(--theme-success, #28a745); font-weight: 500">
               + {{ maturitySummary.totalInterest | formatNumber }} {{ currencyName }}
             </span>
           </div>
           <div class="preview-field" style="grid-column: span 2">
-            <span class="preview-label">{{ isSpecial ? 'Principal at Maturity' : 'Projected Maturity Amount' }}</span>
+            <span class="preview-label">Projected Maturity Amount</span>
             <span class="preview-value preview-mono" style="font-weight: 600; font-size: 1.25rem">
               {{ maturitySummary.maturityAmount | formatNumber }} {{ currencyName }}
             </span>

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-preview-step/fixed-deposit-account-preview-step.component.ts

@@ -145,11 +145,6 @@ export class FixedDepositAccountPreviewStepComponent implements OnChanges {
     SPECIAL: 'FD Special (Monthly Interest Payout)'
   };
 
-  /** FD Special pays its interest out monthly; the principal alone comes back at maturity. */
-  get isSpecial(): boolean {
-    return this.fixedDepositsAccountProductTemplate?.fdType === 'SPECIAL';
-  }
-
   getFdTypeLabel(fdType: string): string {
     return this.fdTypeLabels[fdType] || fdType;
   }

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component.html

@@ -11,25 +11,15 @@
     <span class="isd-header__icon"><fa-icon icon="calendar-alt"></fa-icon></span>
     <span class="isd-header__text">
       <span class="isd-header__title">{{ 'labels.heading.Monthly Interest Payout Schedule' | translate }}</span>
-      <span class="isd-header__sub">
-        @if (isPreview) {
-          {{ schedule.length }} monthly payouts
-        } @else {
-          {{ paidCount }} of {{ schedule.length }} periods paid so far
-        }
-      </span>
+      <span class="isd-header__sub">{{ paidCount }} of {{ schedule.length }} periods paid so far</span>
     </span>
   </h2>
 
   <div mat-dialog-content class="isd-content">
     <p class="isd-note">
       <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
-      @if (data.note) {
-        {{ data.note }}
-      } @else {
-        Computed by the actual interest engine for this account's full term -- the exact amount posted each month can
-        vary slightly with the number of days in that month.
-      }
+      Computed by the actual interest engine for this account's full term -- the exact amount posted each month can vary
+      slightly with the number of days in that month.
     </p>
 
     <div class="isd-scroll">
@@ -38,13 +28,8 @@
           <tr>
             <th>{{ 'labels.inputs.From Date' | translate }}</th>
             <th>{{ 'labels.inputs.To Date' | translate }}</th>
-            @if (isPreview) {
-              <th class="isd-table__amount-col">Days</th>
-            }
             <th class="isd-table__amount-col">{{ 'labels.inputs.Interest Amount' | translate }}</th>
-            @if (!isPreview) {
-              <th class="isd-table__status-col">{{ 'labels.inputs.Status' | translate }}</th>
-            }
+            <th class="isd-table__status-col">{{ 'labels.inputs.Status' | translate }}</th>
           </tr>
         </thead>
         <tbody>
@@ -52,35 +37,28 @@
             <tr [class.isd-table__row--paid]="period.paid">
               <td>{{ period.fromDate | dateFormat }}</td>
               <td>{{ period.toDate | dateFormat }}</td>
-              @if (isPreview) {
-                <td class="isd-table__amount-col">{{ period.days }}</td>
-              }
               <td class="isd-table__amount-col">
                 {{ period.interestAmount | currency: currencyCode : 'symbol-narrow' : '1.2-2' }}
               </td>
-              @if (!isPreview) {
-                <td class="isd-table__status-col">
-                  @if (period.paid) {
-                    <span class="isd-badge isd-badge--paid">
-                      <fa-icon icon="check-circle" class="m-r-5"></fa-icon>Paid
-                    </span>
-                  } @else {
-                    <span class="isd-badge isd-badge--pending">Pending</span>
-                  }
-                </td>
-              }
+              <td class="isd-table__status-col">
+                @if (period.paid) {
+                  <span class="isd-badge isd-badge--paid">
+                    <fa-icon icon="check-circle" class="m-r-5"></fa-icon>Paid
+                  </span>
+                } @else {
+                  <span class="isd-badge isd-badge--pending">Pending</span>
+                }
+              </td>
             </tr>
           }
         </tbody>
         <tfoot>
           <tr>
-            <td [attr.colspan]="isPreview ? 3 : 2">{{ 'labels.inputs.Total Interest Payable' | translate }}</td>
+            <td colspan="2">{{ 'labels.inputs.Total Interest Payable' | translate }}</td>
             <td class="isd-table__amount-col">
               {{ totalInterest | currency: currencyCode : 'symbol-narrow' : '1.2-2' }}
             </td>
-            @if (!isPreview) {
-              <td></td>
-            }
+            <td></td>
           </tr>
         </tfoot>
       </table>

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component.ts

@@ -26,9 +26,6 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
  * a 24+ month term makes for a long table that would otherwise push every other card on the tab down
  * the page. Each row also shows whether that period's interest has actually posted yet, not just what
  * the engine projects it to be.
- *
- * Also opened from the account-opening screen with `preview: true`: the backend's quote for an FD Special
- * not opened yet, so there is no paid / pending status, and each period shows its number of days.
  */
 @Component({
   selector: 'mifosx-interest-schedule-dialog',
@@ -49,22 +46,14 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 export class InterestScheduleDialogComponent {
   dialogRef = inject<MatDialogRef<InterestScheduleDialogComponent>>(MatDialogRef);
   data: {
-    schedule: Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean; days?: number }>;
+    schedule: Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }>;
     currencyCode: string;
-    /** Account-opening quote: no paid / pending status. */
-    preview?: boolean;
-    /** Shown above the table instead of the account note. */
-    note?: string;
   } = inject(MAT_DIALOG_DATA);
 
-  get schedule(): Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean; days?: number }> {
+  get schedule(): Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }> {
     return this.data.schedule ?? [];
   }
 
-  get isPreview(): boolean {
-    return !!this.data.preview;
-  }
-
   get currencyCode(): string {
     return this.data.currencyCode;
   }

src/app/deposits/fixed-deposits/fixed-deposits.service.ts

@@ -154,16 +154,6 @@ export class FixedDepositsService {
     return this.http.get(`/fixeddepositaccounts/calculate-fd-interest`, { params: httpParams });
   }
 
-  /**
-   * FD quote while opening the account, for every FD type: the same body as create (clientId, productId,
-   * submittedOnDate, depositAmount, depositPeriod, depositPeriodFrequencyId, interest terms, senior citizen ...). The
-   * backend builds the would-be account from the product, without saving it, and returns the applied rate, maturity
-   * date and amount Submit would store, and the interest periods (FD Special: the monthly payout schedule).
-   */
-  accountPreview(body: any): Observable<any> {
-    return this.http.post(`/fixeddepositaccounts/account-preview`, body);
-  }
-
   /**
    * FD Dashboard's "Renew" action on a matured FD whose product has a renewal grace period
    * configured: backdated to the original maturity date within the grace window, or from today

src/app/deposits/recurring-deposits/create-recurring-deposits-account/create-recurring-deposits-account.component.ts

@@ -110,8 +110,8 @@ export class CreateRecurringDepositsAccountComponent {
    */
   setTemplate($event: any) {
     this.recurringDepositsAccountProductTemplate = $event;
-    this.productsService.getRdBaseInterestRates().subscribe({
-      next: (rates: any) => (this.cbsBaseRates = Array.isArray(rates) ? rates : rates ? [rates] : []),
+    this.productsService.getFdBaseInterestRates().subscribe({
+      next: (rates: any[]) => (this.cbsBaseRates = rates || []),
       error: () => (this.cbsBaseRates = [])
     });
   }
@@ -198,8 +198,7 @@ export class CreateRecurringDepositsAccountComponent {
     if (this.recurringDepositsAccountProductTemplate?.introducerRequired && !detailsStep?.introducerId) {
       this.alertService.alert({
         type: 'Error',
-        message:
-          'This product requires an introducer. Please choose an existing customer as introducer before submitting.'
+        message: 'This product requires an introducer. Please choose an existing customer as introducer before submitting.'
       });
       return;
     }

src/app/deposits/recurring-deposits/edit-recurring-deposit-account/edit-recurring-deposit-account.component.ts

@@ -144,8 +144,8 @@ export class EditRecurringDepositAccountComponent {
 
   setTemplate($event: any) {
     this.recurringDepositsAccountProductTemplate = $event;
-    this.productsService.getRdBaseInterestRates().subscribe({
-      next: (rates: any) => (this.cbsBaseRates = Array.isArray(rates) ? rates : rates ? [rates] : []),
+    this.productsService.getFdBaseInterestRates().subscribe({
+      next: (rates: any[]) => (this.cbsBaseRates = rates || []),
       error: () => (this.cbsBaseRates = [])
     });
   }

src/app/deposits/recurring-deposits/recurring-deposits-account-stepper/recurring-deposits-account-interest-rate-chart-step/recurring-deposits-account-interest-rate-chart-step.component.ts

@@ -127,8 +127,7 @@ export class RecurringDepositsAccountInterestRateChartStepComponent implements O
   }>();
 
   get activeBase(): any {
-    // The recurring deposit's own CBS base chart; its active version carries the senior citizen rate of each slab.
-    return (this.cbsBaseRates || []).find((r) => r.isActive) ?? (this.cbsBaseRates || [])[0];
+    return (this.cbsBaseRates || []).find((r) => r.fdType === 'DOUBLE' && r.isActive);
   }
 
   /**
@@ -174,10 +173,7 @@ export class RecurringDepositsAccountInterestRateChartStepComponent implements O
       return baseSlabs;
     }
     // Products made before RD charts moved to months still hold the base chart's own year slabs
-    const candidates = [
-      ...baseSlabs,
-      ...this.normalizeCbsSlabs(cbsSlabs)
-    ];
+    const candidates = [...baseSlabs, ...this.normalizeCbsSlabs(cbsSlabs)];
     return productSlabs.map((slab: any) => {
       if (slab.seniorCitizenRate != null) {
         return slab;

src/app/deposits/recurring-deposits/recurring-deposits-account-view/general-tab/general-tab.component.html

@@ -50,34 +50,6 @@
             <span class="nx-row__label">{{ 'labels.inputs.Maturity Date' | translate }}</span>
             <span class="nx-row__value">{{ recurringDepositsAccountData.maturityDate | dateFormat }}</span>
           </div>
-          @if (installmentPosition) {
-            <div class="nx-row">
-              <span class="nx-row__label">Next Installment Due</span>
-              <span class="nx-row__value">
-                @if (installmentPosition.nextDueDate) {
-                  {{ installmentPosition.nextDueDate | dateFormat }} &middot;
-                  {{ installmentPosition.installmentAmount | currency: currency?.code : 'symbol-narrow' : '1.2-2' }}
-                } @else {
-                  <span class="nx-muted">All installments paid</span>
-                }
-              </span>
-            </div>
-            <div class="nx-row">
-              <span class="nx-row__label">Installments Paid</span>
-              <span class="nx-row__value"
-                >{{ installmentPosition.paidInstallments }} of {{ installmentPosition.totalInstallments }}</span
-              >
-            </div>
-            @if (installmentPosition.overdueInstallments > 0) {
-              <div class="nx-row">
-                <span class="nx-row__label">Overdue</span>
-                <span class="nx-row__value" style="color: var(--mat-sys-error, #d32f2f)">
-                  {{ installmentPosition.overdueInstallments }} installment(s) &middot;
-                  {{ installmentPosition.overdueAmount | currency: currency?.code : 'symbol-narrow' : '1.2-2' }}
-                </span>
-              </div>
-            }
-          }
           @if (
             recurringDepositsAccountData.timeline.closedOnDate || recurringDepositsAccountData.summary.totalWitddrawals
           ) {

src/app/deposits/recurring-deposits/recurring-deposits-account-view/general-tab/general-tab.component.ts

@@ -46,21 +46,11 @@ export class GeneralTabComponent {
   totalLienAmount = 0;
   /** Loan limit today (Lien Marked products only): % that applies, what it comes to, and what is left. */
   lienLimit: { percentage: number; maxLoanAmount: number; availableForLoan: number } | null = null;
-  /** When the next installment is expected and how much, plus anything already overdue; null once fully paid. */
-  installmentPosition: {
-    nextDueDate: string | null;
-    installmentAmount: number;
-    paidInstallments: number;
-    totalInstallments: number;
-    overdueInstallments: number;
-    overdueAmount: number;
-  } | null = null;
 
   constructor() {
     this.route.parent.data.subscribe((data: { recurringDepositsAccountData: any }) => {
       this.recurringDepositsAccountData = data.recurringDepositsAccountData;
       this.loadLiens(this.recurringDepositsAccountData?.id);
-      this.loadInstallmentPosition(this.recurringDepositsAccountData?.id);
       this.currency = this.recurringDepositsAccountData.currency;
       this.isprematureAllowed = data.recurringDepositsAccountData.maturityDate != null;
       if (this.router.url.includes('clients')) {
@@ -73,27 +63,6 @@ export class GeneralTabComponent {
     });
   }
 
-  private loadInstallmentPosition(accountId: any) {
-    this.installmentPosition = null;
-    if (!accountId) {
-      return;
-    }
-    this.recurringDepositsService.getRecurringDepositInstallmentPosition(accountId).subscribe((response: any) => {
-      const row = (response?.accounts ?? []).find((a: any) => Number(a.id) === Number(accountId));
-      if (!row) {
-        return;
-      }
-      this.installmentPosition = {
-        nextDueDate: row.nextDueDate || null,
-        installmentAmount: Number(row.installmentAmount) || 0,
-        paidInstallments: Number(row.paidInstallments) || 0,
-        totalInstallments: Number(row.totalInstallments) || 0,
-        overdueInstallments: Number(row.overdueInstallments) || 0,
-        overdueAmount: Number(row.overdueAmount) || 0
-      };
-    });
-  }
-
   private loadLiens(accountId: any) {
     this.liens = [];
     this.totalLienAmount = 0;

src/app/deposits/recurring-deposits/recurring-deposits.service.ts

@@ -39,16 +39,6 @@ export class RecurringDepositsService {
     return this.http.get(`/recurringdepositaccounts/${recurringDepositAccountId}/liens`);
   }
 
-  /**
-   * This deposit's installment position as of the business date (next due date, overdue count/amount), from the
-   * RD Dashboard endpoint - the same paid/overdue rule the auto-debit and penalty jobs use. Older backends ignore
-   * `accountId` and return every RD, so callers pick the row by id.
-   */
-  getRecurringDepositInstallmentPosition(recurringDepositAccountId: any): Observable<any> {
-    const httpParams = new HttpParams().set('accountId', recurringDepositAccountId);
-    return this.http.get('/recurringdepositaccounts/dashboard', { params: httpParams });
-  }
-
   /**
    * @param clientId Client Id
    * @param clientName Client Name

src/app/home/dashboard/alm-bucket-breakdown-dialog/alm-bucket-breakdown-dialog.component.scss

@@ -719,8 +719,7 @@
   align-items: center;
   gap: 6px;
 
-  /* stylelint-disable-next-line selector-no-qualifying-type */
-  input[type='number'] {
+  [type='number'] {
     width: 64px;
   }
 
@@ -760,8 +759,7 @@
 }
 
 /* :where() keeps these defaults at zero specificity, so the table's own cell inputs always win. */
-/* stylelint-disable-next-line selector-no-qualifying-type */
-:where(input[type='text'], input[type='number'], input[type='date'], select, textarea) {
+:where([type='text'], [type='number'], [type='date'], select, textarea) {
   font: inherit;
   font-size: 12.5px;
   padding: 6px 8px;
@@ -773,13 +771,11 @@
   box-sizing: border-box;
 }
 
-/* stylelint-disable-next-line selector-no-qualifying-type */
-:where(input[type='text'], select) {
+:where([type='text'], select) {
   width: 100%;
 }
 
-/* stylelint-disable-next-line selector-no-qualifying-type */
-:where(input[type='checkbox']) {
+:where([type='checkbox']) {
   width: auto;
 }
 
@@ -869,8 +865,7 @@
   gap: 4px;
   align-items: center;
 
-  /* stylelint-disable-next-line selector-no-qualifying-type */
-  input[type='number'] {
+  [type='number'] {
     width: 60px;
   }
 
@@ -1180,8 +1175,7 @@
   gap: 8px;
   max-width: 720px;
 
-  /* stylelint-disable-next-line selector-no-qualifying-type */
-  input[type='text'] {
+  [type='text'] {
     flex: 1;
     padding: 9px 11px;
     font-size: 13px;

src/app/home/dashboard/crr-slr-dialog/reserve-transfer-dialog.component.ts

@@ -61,6 +61,7 @@ export interface ReserveTransferData {
 export class ReserveTransferDialogComponent {
   private dialogRef = inject(MatDialogRef<ReserveTransferDialogComponent>);
   private rbi = inject(RbiCircularsService);
+  readonly data: ReserveTransferData = inject(MAT_DIALOG_DATA);
 
   /** The account money leaves. Fixed — the dialog is opened from its row. */
   readonly from: TransferAccount;
@@ -75,8 +76,6 @@ export class ReserveTransferDialogComponent {
   submitting = false;
   error = '';
 
-  readonly data = inject<ReserveTransferData>(MAT_DIALOG_DATA);
-
   constructor() {
     this.from = this.data.from;
     this.destinations = (this.data.accounts ?? []).filter((a) => a.glAccountId !== this.data.from.glAccountId);

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

@@ -0,0 +1,27 @@
+/**
+ * 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 { RouterModule, Routes } from '@angular/router';
+import { Route } from '../core/route/route.service';
+
+const routes: Routes = [
+  Route.withShell([
+    {
+      path: 'ai/loan-eligibility',
+      loadComponent: () => import('./loan-eligibility.component').then((m) => m.LoanEligibilityComponent),
+      data: { title: 'Loan Eligibility', breadcrumb: 'Loan Eligibility' }
+    }
+  ])
+];
+
+@NgModule({
+  imports: [RouterModule.forChild(routes)],
+  exports: [RouterModule]
+})
+export class LoanEligibilityRoutingModule {}

src/app/loan-eligibility/loan-eligibility.component.html

@@ -0,0 +1,482 @@
+<!--
+  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 (!loading) {
+    <header class="pg-head">
+      <div>
+        <div class="pg-eyebrow">AI / INTELLIGENCE · LENDING &amp; RISK</div>
+        <h1 class="pg-title">Loan Eligibility</h1>
+        <p class="pg-sub">
+          How our loans are running (RBI asset classification) and which loan products the good borrowers are eligible
+          for, using the eligibility rules set on each loan product.
+          @if (summary) {
+            As on {{ summary.asOnDate }}.
+          }
+        </p>
+      </div>
+    </header>
+  }
+
+  @if (error) {
+    <p class="pg-sub le-error">{{ error }}</p>
+  }
+  @if (loading) {
+    <div class="le-loader">
+      <div class="le-spinner"></div>
+      <div class="le-loader-title">Loading loan book…</div>
+      <ul class="le-loader-steps">
+        @for (st of loadingSteps; track $index) {
+          <li [class.le-done]="$index < loadingStep" [class.le-now]="$index === loadingStep">
+            {{ $index < loadingStep ? '✓' : $index === loadingStep ? '…' : '' }} {{ st }}
+          </li>
+        }
+      </ul>
+      <div class="le-progress"><span [style.width.%]="((loadingStep + 1) / loadingSteps.length) * 100"></span></div>
+    </div>
+  }
+
+  @if (summary; as s) {
+    <div class="le-kpis">
+      <div class="le-kpi">
+        <span class="le-kpi-l">Active loans</span>
+        <span class="le-kpi-v">{{ s.activeLoans }}</span>
+        <span class="le-kpi-s">₹{{ s.activeOutstanding | number: '1.0-0' }} outstanding</span>
+      </div>
+      <div class="le-kpi le-kpi--good">
+        <span class="le-kpi-l">Running well (Standard + SMA)</span>
+        <span class="le-kpi-v">{{ s.performingLoans }}</span>
+        <span class="le-kpi-s">₹{{ s.performingOutstanding | number: '1.0-0' }}</span>
+      </div>
+      <div class="le-kpi le-kpi--bad">
+        <span class="le-kpi-l">Gone bad (NPA)</span>
+        <span class="le-kpi-v">{{ s.npaLoans }}</span>
+        <span class="le-kpi-s">₹{{ s.npaOutstanding | number: '1.0-0' }} · Gross NPA {{ s.grossNpaPct }}%</span>
+      </div>
+      <div class="le-kpi">
+        <span class="le-kpi-l">Written off / Closed</span>
+        <span class="le-kpi-v">{{ s.writtenOffLoans }} / {{ s.closedLoans }}</span>
+        <span class="le-kpi-s">₹{{ s.writtenOffAmount | number: '1.0-0' }} written off</span>
+      </div>
+    </div>
+
+    <div class="cctr-tabs le-tabs le-views">
+      <button
+        type="button"
+        class="pg-btn pg-btn--ghost"
+        [class.pg-btn--active]="view === 'BOOK'"
+        (click)="view = 'BOOK'"
+      >
+        Loan book (RBI classes &amp; products)
+      </button>
+      <button
+        type="button"
+        class="pg-btn pg-btn--ghost"
+        [class.pg-btn--active]="view === 'BORROWERS'"
+        (click)="view = 'BORROWERS'"
+      >
+        Borrowers &amp; eligibility (Good {{ s.goodBorrowers }} · Watch {{ s.watchBorrowers }} · Bad
+        {{ s.badBorrowers }})
+      </button>
+    </div>
+
+    @if (view === 'BOOK') {
+      <div class="pg-card">
+        <div class="pos-section-label">Loans by RBI asset classification (days past due)</div>
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Class</th>
+              <th>Days past due</th>
+              <th class="num">Loans</th>
+              <th class="num">Outstanding</th>
+              <th class="num">Overdue</th>
+              <th>Share of book</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (st of performingStages; track st.stage) {
+              <tr>
+                <td>
+                  <span
+                    class="le-dot"
+                    [class.le-dot--good]="st.stage === 'STANDARD'"
+                    [class.le-dot--warn]="st.stage !== 'STANDARD'"
+                  ></span>
+                  {{ st.label }}
+                </td>
+                <td>{{ st.dpdRange }}</td>
+                <td class="num">{{ st.loans }}</td>
+                <td class="num">₹{{ st.outstanding | number: '1.2-2' }}</td>
+                <td class="num">₹{{ st.overdue | number: '1.2-2' }}</td>
+                <td>
+                  <span class="le-bar"><span [style.width.%]="share(st)"></span></span> {{ share(st) }}%
+                </td>
+              </tr>
+            }
+            @for (st of npaStages; track st.stage) {
+              <tr>
+                <td><span class="le-dot le-dot--bad"></span> {{ st.label }} (NPA)</td>
+                <td>{{ st.dpdRange }}</td>
+                <td class="num">{{ st.loans }}</td>
+                <td class="num">₹{{ st.outstanding | number: '1.2-2' }}</td>
+                <td class="num">₹{{ st.overdue | number: '1.2-2' }}</td>
+                <td>
+                  <span class="le-bar le-bar--bad"><span [style.width.%]="share(st)"></span></span> {{ share(st) }}%
+                </td>
+              </tr>
+            }
+            @for (st of closedStages; track st.stage) {
+              <tr class="le-muted">
+                <td>{{ st.label }}</td>
+                <td>{{ st.dpdRange }}</td>
+                <td class="num">{{ st.loans }}</td>
+                <td class="num">–</td>
+                <td class="num">–</td>
+                <td></td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+
+      <div class="pg-card">
+        <div class="pos-section-label">Active loans by product</div>
+        <table class="pg-table">
+          <thead>
+            <tr>
+              <th>Product</th>
+              <th class="num">Active</th>
+              <th class="num">Running well</th>
+              <th class="num">NPA</th>
+              <th class="num">Outstanding</th>
+              <th class="num">NPA outstanding</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (p of s.products; track p.productId) {
+              <tr>
+                <td>{{ p.productName }}</td>
+                <td class="num">{{ p.activeLoans }}</td>
+                <td class="num">{{ p.performingLoans }}</td>
+                <td class="num">{{ p.npaLoans }}</td>
+                <td class="num">₹{{ p.outstanding | number: '1.2-2' }}</td>
+                <td class="num">₹{{ p.npaOutstanding | number: '1.2-2' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="6" class="pg-empty">No active loans.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+
+      <div class="pg-card">
+        <div class="pos-section-label">Share linking to borrowing (5% unsecured · 2.5% secured)</div>
+        <div class="le-facts">
+          <span>Shares required on running loans: ₹{{ s.shareRequired | number: '1.0-0' }}</span>
+          <span>Shares held by these members: ₹{{ s.shareHeld | number: '1.0-0' }}</span>
+          <span [class.le-late]="s.shareShortMembers > 0"
+            >Members short: {{ s.shareShortMembers }} (₹{{ s.shareShortfall | number: '1.0-0' }} to collect)</span
+          >
+        </div>
+      </div>
+    }
+
+    @if (view === 'BORROWERS') {
+      <div class="pg-card">
+        <div class="pos-section-label">
+          Borrowers — Good {{ s.goodBorrowers }} · Watch {{ s.watchBorrowers }} · Bad {{ s.badBorrowers }}
+        </div>
+        <div class="cctr-tabs le-tabs">
+          @for (c of categories; track c.value) {
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [class.pg-btn--active]="category === c.value"
+              (click)="setCategory(c.value)"
+            >
+              {{ c.label }}
+            </button>
+          }
+          <input
+            type="text"
+            class="le-search"
+            placeholder="Search name / account no"
+            [(ngModel)]="search"
+            (keyup.enter)="loadBorrowers()"
+          />
+          <button type="button" class="pg-btn pg-btn--ghost" (click)="loadBorrowers()">Search</button>
+        </div>
+        <p class="pg-sub le-help">
+          Good: every running loan is regular (0 days past due) and nothing was ever written off. Watch: a loan is
+          overdue up to 90 days (SMA). Bad: a loan is NPA or written off. Eligibility is worked out for good borrowers
+          only; a fresh loan also needs a clean EMI record (at most 2 EMIs ever paid late).
+        </p>
+        <table class="pg-table le-compact">
+          <thead>
+            <tr>
+              <th>Borrower</th>
+              <th>Category</th>
+              <th class="num">Running / Closed</th>
+              <th>EMI record</th>
+              <th class="num">Outstanding</th>
+              <th class="num">Max days overdue</th>
+              <th>Worst class</th>
+              <th>More loan?</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            @if (borrowersLoading) {
+              <tr>
+                <td colspan="9" class="pg-empty">
+                  <span class="le-spinner le-spinner--sm"></span> Fetching borrowers…
+                </td>
+              </tr>
+            }
+            @for (b of borrowersLoading ? [] : pagedBorrowers; track b.clientId) {
+              <tr [class.le-selected]="selected?.clientId === b.clientId">
+                <td>
+                  {{ b.clientName }} <small>({{ b.clientAccountNo }})</small>
+                </td>
+                <td>
+                  <span class="le-chip" [ngClass]="'le-chip--' + b.category.toLowerCase()">{{
+                    categoryLabel(b.category)
+                  }}</span>
+                </td>
+                <td class="num">{{ b.activeLoans }} / {{ b.closedLoans }}</td>
+                <td>
+                  {{ b.emisPaid - b.emisLate }} / {{ b.emisPaid }} on time
+                  @if (b.emisLate) {
+                    <small class="le-late">({{ b.emisLate }} late)</small>
+                  }
+                </td>
+                <td class="num">₹{{ b.outstanding | number: '1.2-2' }}</td>
+                <td class="num">{{ b.maxDpd }}</td>
+                <td>{{ b.worstStage || '–' }}</td>
+                <td>
+                  @if (b.eligibleProducts > 0) {
+                    <span class="le-chip le-chip--good">Yes · {{ b.eligibleProducts }} products</span>
+                  } @else {
+                    <span class="le-chip le-chip--bad">No</span>
+                  }
+                </td>
+                <td>
+                  <button type="button" class="pg-btn pg-btn--ghost" [disabled]="openingId !== null" (click)="open(b)">
+                    {{ openingId === b.clientId ? 'Loading…' : 'View' }}
+                  </button>
+                </td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="9" class="pg-empty">No borrowers in this category.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+        @if (borrowers.length > pageSize) {
+          <div class="le-pager">
+            <span>Showing {{ page * pageSize + 1 }}–{{ pageEnd }} of {{ borrowers.length }}</span>
+            <button type="button" class="pg-btn pg-btn--ghost" [disabled]="page === 0" (click)="page = page - 1">
+              ‹ Prev
+            </button>
+            @for (p of pages; track p) {
+              <button type="button" class="pg-btn pg-btn--ghost" [class.pg-btn--active]="p === page" (click)="page = p">
+                {{ p + 1 }}
+              </button>
+            }
+            <button
+              type="button"
+              class="pg-btn pg-btn--ghost"
+              [disabled]="page >= pages.length - 1"
+              (click)="page = page + 1"
+            >
+              Next ›
+            </button>
+          </div>
+        }
+      </div>
+    }
+
+    @if (selected; as b) {
+      <div class="le-overlay" (click)="close()">
+        <div class="le-modal" role="dialog" aria-modal="true" (click)="$event.stopPropagation()">
+          <div class="le-modal-head">
+            <div class="pos-section-label">
+              {{ b.clientName }} ({{ b.clientAccountNo }}) — {{ categoryLabel(b.category) }} borrower
+            </div>
+            <button type="button" class="pg-btn pg-btn--ghost" (click)="close()">Close</button>
+          </div>
+          <div class="le-facts">
+            <span>Age: {{ b.age ?? 'not recorded' }}</span>
+            <span
+              >Monthly income: {{ b.monthlyIncome ? '₹' + (b.monthlyIncome | number: '1.0-0') : 'not recorded' }}</span
+            >
+            <span>Current EMIs: ₹{{ b.currentEmi | number: '1.0-0' }}</span>
+            <span>EMI record: {{ b.emisPaid - b.emisLate }} of {{ b.emisPaid }} paid on time</span>
+            <span>Deposits (savings / FD / RD): ₹{{ b.depositBalance | number: '1.0-0' }}</span>
+            <span [class.le-late]="b.shareHeld < b.shareRequired"
+              >Shares held: ₹{{ b.shareHeld | number: '1.0-0' }} (needed ₹{{ b.shareRequired | number: '1.0-0' }} incl.
+              membership)</span
+            >
+          </div>
+
+          @for (a of b.accounts ?? []; track a.accountNo) {
+            <div class="pos-section-label">
+              {{ a.type }} account {{ a.accountNo }} — last 6 months (money in, expenses, balance)
+            </div>
+            <table class="pg-table">
+              <thead>
+                <tr>
+                  <th>Month</th>
+                  <th class="num">Credits (in)</th>
+                  <th class="num">Debits (expenses + EMIs)</th>
+                  <th class="num">Left over</th>
+                  <th class="num">Average balance</th>
+                  <th class="num">Cheque / ECS returns</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (m of a.months; track m.month) {
+                  <tr>
+                    <td>{{ m.month }}</td>
+                    <td class="num">₹{{ m.credits | number: '1.0-0' }}</td>
+                    <td class="num">₹{{ m.debits | number: '1.0-0' }}</td>
+                    <td class="num" [class.le-late]="m.credits < m.debits">
+                      ₹{{ m.credits - m.debits | number: '1.0-0' }}
+                    </td>
+                    <td class="num">₹{{ m.avgBalance | number: '1.0-0' }}</td>
+                    <td class="num" [class.le-late]="m.returns > 0">{{ m.returns }}</td>
+                  </tr>
+                }
+                <tr class="le-total">
+                  <td>Monthly average</td>
+                  <td class="num">₹{{ b.avgCredits | number: '1.0-0' }}</td>
+                  <td class="num">₹{{ b.avgDebits | number: '1.0-0' }}</td>
+                  <td class="num" [class.le-late]="b.avgCredits < b.avgDebits">
+                    ₹{{ b.avgCredits - b.avgDebits | number: '1.0-0' }}
+                  </td>
+                  <td class="num">
+                    @if (b.avgCredits > 0) {
+                      Spends {{ (b.avgDebits / b.avgCredits) * 100 | number: '1.0-0' }}% of income
+                    }
+                  </td>
+                  <td class="num">{{ b.returns }}</td>
+                </tr>
+              </tbody>
+            </table>
+          }
+
+          <div class="pos-section-label">Loans</div>
+          <table class="pg-table">
+            <thead>
+              <tr>
+                <th>Loan</th>
+                <th>Product</th>
+                <th>Status</th>
+                <th>Class</th>
+                <th class="num">Days overdue</th>
+                <th class="num">EMIs on time</th>
+                <th class="num">Disbursed</th>
+                <th class="num">Outstanding</th>
+                <th class="num">Overdue</th>
+                <th class="num">Shares needed</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (l of b.loans ?? []; track l.loanId) {
+                <tr>
+                  <td>{{ l.accountNo }}</td>
+                  <td>{{ l.productName }}</td>
+                  <td>{{ l.status }}</td>
+                  <td>{{ l.stage }}</td>
+                  <td class="num">{{ l.dpd }}</td>
+                  <td class="num">{{ l.emisPaid - l.emisLate }} / {{ l.emisPaid }}</td>
+                  <td class="num">₹{{ l.disbursed | number: '1.2-2' }}</td>
+                  <td class="num">₹{{ l.outstanding | number: '1.2-2' }}</td>
+                  <td class="num">₹{{ l.overdue | number: '1.2-2' }}</td>
+                  <td class="num">
+                    @if (l.shareRequired) {
+                      ₹{{ l.shareRequired | number: '1.0-0' }} <small>({{ l.sharePct }}%)</small>
+                    } @else {
+                      –
+                    }
+                  </td>
+                </tr>
+              }
+            </tbody>
+          </table>
+
+          @if (b.category === 'GOOD') {
+            <div class="pos-section-label">Eligible loan products</div>
+            <table class="pg-table">
+              <thead>
+                <tr>
+                  <th>Product</th>
+                  <th>Eligible</th>
+                  <th class="num">Up to</th>
+                  <th class="num">Shares to take</th>
+                  <th class="num">In hand</th>
+                  <th>Why</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (e of b.eligibility ?? []; track e.productId) {
+                  <tr>
+                    <td>{{ e.productName }}</td>
+                    <td>
+                      <span class="le-chip" [ngClass]="e.eligible ? 'le-chip--good' : 'le-chip--bad'">{{
+                        e.eligible ? 'Yes' : 'No'
+                      }}</span>
+                    </td>
+                    <td class="num">{{ e.eligibleAmount ? '₹' + (e.eligibleAmount | number: '1.0-0') : '–' }}</td>
+                    <td class="num">
+                      @if (e.shareToBuy) {
+                        ₹{{ e.shareToBuy | number: '1.0-0' }} <small>({{ e.sharePct }}%)</small>
+                      } @else {
+                        –
+                      }
+                    </td>
+                    <td class="num">{{ e.netInHand ? '₹' + (e.netInHand | number: '1.0-0') : '–' }}</td>
+                    <td class="le-why">
+                      @for (f of e.failed; track $index) {
+                        <div class="le-fail">✗ {{ f }}</div>
+                      }
+                      @for (p of e.passed; track $index) {
+                        <div class="le-pass">✓ {{ p }}</div>
+                      }
+                      @for (n of e.notes; track $index) {
+                        <div class="le-note">• {{ n }}</div>
+                      }
+                    </td>
+                  </tr>
+                } @empty {
+                  <tr>
+                    <td colspan="6" class="pg-empty">No active loan products.</td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          } @else {
+            <p class="pg-sub le-help">
+              Eligibility is not worked out for this borrower because a loan is overdue, NPA or written off.
+            </p>
+          }
+        </div>
+      </div>
+    }
+
+    <ul class="le-notes">
+      @for (n of s.notes; track $index) {
+        <li>{{ n }}</li>
+      }
+    </ul>
+  }
+</div>

src/app/loan-eligibility/loan-eligibility.component.scss

@@ -0,0 +1,312 @@
+/**
+ * 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/.
+ */
+
+.le-kpis {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
+  gap: 12px;
+  margin-bottom: 16px;
+}
+
+.le-kpi {
+  display: flex;
+  flex-direction: column;
+  gap: 4px;
+  padding: 14px 16px;
+  border: 1px solid #e4e7ec;
+  border-radius: 10px;
+  background: #fff;
+}
+
+.le-kpi--good {
+  border-left: 4px solid #12b76a;
+}
+
+.le-kpi--bad {
+  border-left: 4px solid #d92d20;
+}
+
+.le-kpi-l {
+  font-size: 12px;
+  color: #667085;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+}
+
+.le-kpi-v {
+  font-size: 26px;
+  font-weight: 700;
+}
+
+.le-kpi-s {
+  font-size: 13px;
+  color: #475467;
+}
+
+.le-dot {
+  display: inline-block;
+  width: 10px;
+  height: 10px;
+  margin-right: 6px;
+  border-radius: 50%;
+}
+
+.le-dot--good {
+  background: #12b76a;
+}
+
+.le-dot--warn {
+  background: #f79009;
+}
+
+.le-dot--bad {
+  background: #d92d20;
+}
+
+.le-bar {
+  display: inline-block;
+  width: 120px;
+  height: 8px;
+  margin-right: 6px;
+  overflow: hidden;
+  border-radius: 4px;
+  background: #f2f4f7;
+  vertical-align: middle;
+
+  span {
+    display: block;
+    height: 100%;
+    background: #12b76a;
+  }
+}
+
+.le-bar--bad span {
+  background: #d92d20;
+}
+
+.le-muted {
+  color: #667085;
+}
+
+.le-tabs {
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 8px;
+  padding: 12px 16px 0;
+}
+
+.le-search {
+  min-width: 220px;
+  padding: 8px 10px;
+  border: 1px solid #d0d5dd;
+  border-radius: 8px;
+}
+
+.le-help {
+  padding: 0 16px;
+}
+
+.le-chip {
+  padding: 2px 10px;
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 600;
+}
+
+.le-chip--good {
+  background: #ecfdf3;
+  color: #067647;
+}
+
+.le-chip--watch {
+  background: #fffaeb;
+  color: #b54708;
+}
+
+.le-chip--bad {
+  background: #fef3f2;
+  color: #b42318;
+}
+
+.le-selected {
+  background: #f5f8ff;
+}
+
+.le-facts {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 24px;
+  padding: 8px 16px 12px;
+  color: #344054;
+}
+
+.le-why div {
+  font-size: 13px;
+  line-height: 1.5;
+}
+
+.le-fail {
+  color: #b42318;
+}
+
+.le-pass {
+  color: #067647;
+}
+
+.le-note {
+  color: #667085;
+}
+
+.le-error {
+  color: #b42318;
+}
+
+.le-notes {
+  margin: 8px 0 24px;
+  color: #667085;
+  font-size: 13px;
+}
+
+.le-late {
+  color: #b42318;
+}
+
+.le-overlay {
+  position: fixed;
+  inset: 0;
+  z-index: 1000;
+  display: flex;
+  align-items: flex-start;
+  justify-content: center;
+  padding: 48px 16px;
+  overflow-y: auto;
+  background: rgb(15 23 42 / 55%);
+}
+
+.le-modal {
+  width: min(1100px, 100%);
+  padding: 20px 24px;
+  border-radius: 12px;
+  background: #fff;
+  box-shadow: 0 20px 50px rgb(0 0 0 / 30%);
+}
+
+.le-modal-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.le-views {
+  margin-bottom: 16px;
+}
+
+.le-compact td {
+  padding-top: 6px;
+  padding-bottom: 6px;
+}
+
+.le-compact .pg-btn {
+  padding: 4px 14px;
+}
+
+.le-pager {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  justify-content: flex-end;
+  gap: 6px;
+  margin-top: 12px;
+
+  span {
+    margin-right: auto;
+    color: #667085;
+  }
+}
+
+.le-loader {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 14px;
+  margin: 32px auto;
+  padding: 36px 24px;
+  max-width: 520px;
+  border-radius: 12px;
+  background: #fff;
+  box-shadow: 0 4px 16px rgb(16 24 40 / 8%);
+}
+
+.le-loader-title {
+  font-weight: 600;
+  font-size: 16px;
+  color: #1d2939;
+}
+
+.le-loader-steps {
+  margin: 0;
+  padding: 0;
+  list-style: none;
+  font-size: 14px;
+  line-height: 1.9;
+  color: #98a2b3;
+
+  .le-done {
+    color: #067647;
+  }
+
+  .le-now {
+    color: #1d4ed8;
+    font-weight: 600;
+  }
+}
+
+.le-progress {
+  width: 100%;
+  height: 6px;
+  border-radius: 3px;
+  overflow: hidden;
+  background: #eaecf0;
+
+  span {
+    display: block;
+    height: 100%;
+    background: #1d4ed8;
+    transition: width 0.6s ease;
+  }
+}
+
+.le-spinner {
+  width: 44px;
+  height: 44px;
+  border: 4px solid #dbe4ff;
+  border-top-color: #1d4ed8;
+  border-radius: 50%;
+  animation: le-spin 0.8s linear infinite;
+}
+
+.le-spinner--sm {
+  display: inline-block;
+  width: 14px;
+  height: 14px;
+  border-width: 2px;
+  margin-right: 6px;
+  vertical-align: middle;
+}
+
+@keyframes le-spin {
+  to {
+    transform: rotate(360deg);
+  }
+}
+
+.le-total td {
+  font-weight: 600;
+  border-top: 2px solid #d0d5dd;
+}

src/app/loan-eligibility/loan-eligibility.component.ts

@@ -0,0 +1,187 @@
+/**
+ * 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, HostListener, OnDestroy, OnInit, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { HttpErrorResponse } from '@angular/common/http';
+import {
+  Borrower,
+  BorrowerCategory,
+  LoanEligibilityService,
+  LoanEligibilitySummary,
+  LoanStageRow
+} from './loan-eligibility.service';
+
+/**
+ * Loan Eligibility – how the loan book is running (RBI asset classes) and which loan products the good borrowers
+ * qualify for, using their EMI record and the eligibility rules set on each loan product.
+ */
+@Component({
+  selector: 'mifosx-loan-eligibility',
+  templateUrl: './loan-eligibility.component.html',
+  styleUrls: [
+    '../cashier/cashier-shared.scss',
+    '../investment/investment-shared.scss',
+    './loan-eligibility.component.scss'
+  ],
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule
+  ]
+})
+export class LoanEligibilityComponent implements OnInit, OnDestroy {
+  private readonly service = inject(LoanEligibilityService);
+
+  summary: LoanEligibilitySummary | null = null;
+  borrowers: Borrower[] = [];
+  category: BorrowerCategory | '' = 'GOOD';
+  search = '';
+  selected: Borrower | null = null;
+  /** Which part of the page is shown, so the user need not scroll past the loan book to reach borrowers. */
+  view: 'BOOK' | 'BORROWERS' = 'BOOK';
+  page = 0;
+  readonly pageSize = 10;
+  loading = false;
+  borrowersLoading = false;
+  /** Borrower whose detail is being fetched (View button shows it). */
+  openingId: number | null = null;
+  error = '';
+  /** Steps shown while the book is being read. */
+  readonly loadingSteps = [
+    'Fetching loan accounts…',
+    'Reading repayment schedules and overdues…',
+    'Classifying loans as per RBI IRAC norms…',
+    'Running product eligibility rules…'
+  ];
+  loadingStep = 0;
+  private stepTimer?: ReturnType<typeof setInterval>;
+
+  readonly categories: Array<{ value: BorrowerCategory | ''; label: string }> = [
+    { value: 'GOOD', label: 'Good borrowers' },
+    { value: 'WATCH', label: 'Watch (SMA)' },
+    { value: 'BAD', label: 'Bad (NPA / written off)' },
+    { value: '', label: 'All borrowers' }
+  ];
+
+  ngOnInit(): void {
+    this.loading = true;
+    this.loadingStep = 0;
+    this.stepTimer = setInterval(
+      () => (this.loadingStep = Math.min(this.loadingStep + 1, this.loadingSteps.length - 1)),
+      700
+    );
+    this.service.getSummary().subscribe({
+      next: (s) => {
+        this.summary = s;
+        this.stopLoading();
+      },
+      error: (err) => {
+        this.stopLoading();
+        this.error = this.message(err);
+      }
+    });
+    this.loadBorrowers();
+  }
+
+  loadBorrowers(): void {
+    this.selected = null;
+    this.borrowersLoading = true;
+    this.service.getBorrowers(this.category, this.search).subscribe({
+      next: (b) => {
+        this.borrowers = b;
+        this.page = 0;
+        this.borrowersLoading = false;
+      },
+      error: (err) => {
+        this.borrowersLoading = false;
+        this.error = this.message(err);
+      }
+    });
+  }
+
+  setCategory(c: BorrowerCategory | ''): void {
+    this.category = c;
+    this.loadBorrowers();
+  }
+
+  open(b: Borrower): void {
+    this.openingId = b.clientId;
+    this.service.getBorrower(b.clientId).subscribe({
+      next: (d) => {
+        this.openingId = null;
+        this.selected = d;
+      },
+      error: (err) => {
+        this.openingId = null;
+        this.error = this.message(err);
+      }
+    });
+  }
+
+  ngOnDestroy(): void {
+    this.stopLoading();
+  }
+
+  private stopLoading(): void {
+    this.loading = false;
+    clearInterval(this.stepTimer);
+  }
+
+  get pagedBorrowers(): Borrower[] {
+    return this.borrowers.slice(this.page * this.pageSize, (this.page + 1) * this.pageSize);
+  }
+
+  get pageEnd(): number {
+    return Math.min((this.page + 1) * this.pageSize, this.borrowers.length);
+  }
+
+  get pages(): number[] {
+    return Array.from({ length: Math.ceil(this.borrowers.length / this.pageSize) }, (_, i) => i);
+  }
+
+  close(): void {
+    this.selected = null;
+  }
+
+  @HostListener('document:keydown.escape')
+  onEscape(): void {
+    this.close();
+  }
+
+  get performingStages(): LoanStageRow[] {
+    return (this.summary?.stages ?? []).filter((s) => s.group === 'PERFORMING');
+  }
+
+  get npaStages(): LoanStageRow[] {
+    return (this.summary?.stages ?? []).filter((s) => s.group === 'NPA');
+  }
+
+  get closedStages(): LoanStageRow[] {
+    return (this.summary?.stages ?? []).filter((s) => s.group === 'CLOSED');
+  }
+
+  /** Share of the active book in a stage, for the bar. */
+  share(s: LoanStageRow): number {
+    const total = this.summary?.activeOutstanding ?? 0;
+    return total > 0 ? Math.round((s.outstanding / total) * 1000) / 10 : 0;
+  }
+
+  categoryLabel(c: BorrowerCategory): string {
+    return c === 'GOOD' ? 'Good' : c === 'WATCH' ? 'Watch' : 'Bad';
+  }
+
+  private message(err: unknown): string {
+    if (err instanceof HttpErrorResponse) {
+      const e = err.error as { errors?: Array<{ defaultUserMessage?: string }>; defaultUserMessage?: string } | null;
+      return e?.errors?.[0]?.defaultUserMessage || e?.defaultUserMessage || err.message;
+    }
+    return String(err);
+  }
+}

src/app/loan-eligibility/loan-eligibility.mock.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/.
+ */
+
+/**
+ * Demo data for Loan Eligibility. The bank's rules are applied to it: RBI asset classification on days past due, and
+ * product eligibility rules (age, age at maturity, income, FOIR, loans per customer, LTV on pledged deposits). The book is generated from a fixed seed, so the
+ * figures are the same on every load.
+ */
+import {
+  Borrower,
+  BorrowerCategory,
+  BorrowerLoan,
+  LoanEligibilitySummary,
+  LoanStageRow,
+  ProductEligibility
+} from './loan-eligibility.service';
+
+interface DemoProduct {
+  id: number;
+  name: string;
+  minAmount: number;
+  maxAmount: number;
+  annualRate: number;
+  tenureMonths: number;
+  minAge?: number;
+  maxAgeAtMaturity?: number;
+  minMonthlyIncome?: number;
+  maxFoir?: number;
+  maxLoansPerCustomer?: number;
+  /** Loan against deposits: % of the FD / RD balance that can be lent. */
+  ltvPct?: number;
+  /** Secured loans need shares of 2.5% of the loan, unsecured 5% (share linking to borrowing). */
+  secured: boolean;
+}
+
+interface DemoMonth {
+  month: string;
+  credits: number;
+  debits: number;
+  avgBalance: number;
+  returns: number;
+}
+
+interface DemoAccount {
+  type: 'Savings' | 'Current';
+  accountNo: string;
+  months: DemoMonth[];
+}
+
+interface DemoLoan {
+  id: number;
+  accountNo: string;
+  productId: number;
+  status: 'Active' | 'Closed' | 'Written off';
+  dpd: number;
+  disbursed: number;
+  outstanding: number;
+  overdue: number;
+  emi: number;
+  /** EMIs fallen due so far, and how many of them were paid after the due date. */
+  emisPaid: number;
+  emisLate: number;
+}
+
+interface DemoClient {
+  id: number;
+  name: string;
+  accountNo: string;
+  age: number;
+  monthlyIncome?: number;
+  fdBalance: number;
+  savingsBalance: number;
+  loans: DemoLoan[];
+  /** Paid-up share capital held as a member. */
+  shareHeld: number;
+  accounts: DemoAccount[];
+}
+
+export const DEMO_PRODUCTS: DemoProduct[] = [
+  {
+    id: 1,
+    name: 'Personal Loan',
+    minAmount: 25000,
+    maxAmount: 1000000,
+    annualRate: 11.5,
+    tenureMonths: 60,
+    minAge: 21,
+    maxAgeAtMaturity: 60,
+    minMonthlyIncome: 25000,
+    maxFoir: 50,
+    maxLoansPerCustomer: 1,
+    secured: false
+  },
+  {
+    id: 2,
+    name: 'Home Loan',
+    minAmount: 500000,
+    maxAmount: 5000000,
+    annualRate: 9,
+    tenureMonths: 240,
+    minAge: 23,
+    maxAgeAtMaturity: 70,
+    minMonthlyIncome: 40000,
+    maxFoir: 55,
+    maxLoansPerCustomer: 1,
+    secured: true
+  },
+  {
+    id: 3,
+    name: 'Vehicle Loan',
+    minAmount: 100000,
+    maxAmount: 1500000,
+    annualRate: 9.75,
+    tenureMonths: 84,
+    minAge: 21,
+    maxAgeAtMaturity: 65,
+    minMonthlyIncome: 20000,
+    maxFoir: 50,
+    maxLoansPerCustomer: 2,
+    secured: true
+  },
+  {
+    id: 4,
+    name: 'Gold Loan',
+    minAmount: 10000,
+    maxAmount: 1000000,
+    annualRate: 9,
+    tenureMonths: 12,
+    minAge: 18,
+    maxLoansPerCustomer: 3,
+    secured: true
+  },
+  {
+    id: 5,
+    name: 'Loan against FD',
+    minAmount: 5000,
+    maxAmount: 2500000,
+    annualRate: 8.5,
+    tenureMonths: 12,
+    minAge: 18,
+    ltvPct: 90,
+    secured: true
+  },
+  {
+    id: 6,
+    name: 'MSME / Business Loan',
+    minAmount: 200000,
+    maxAmount: 2500000,
+    annualRate: 12,
+    tenureMonths: 84,
+    minAge: 25,
+    maxAgeAtMaturity: 65,
+    minMonthlyIncome: 50000,
+    maxFoir: 60,
+    maxLoansPerCustomer: 1,
+    secured: true
+  }
+];
+
+/** Membership share every member holds, over and above the shares linked to loans. */
+const MEMBERSHIP_SHARE = 1000;
+const MONTHS = [
+  'Apr 2026',
+  'May 2026',
+  'Jun 2026',
+  'Jul 2026',
+  'Aug 2026',
+  'Sep 2026'
+];
+/** Late EMIs a borrower may have in their history and still get a fresh loan. */
+const MAX_LATE_EMIS = 2;
+/** Cheque / ECS returns allowed in the last six months for a fresh loan. */
+const MAX_RETURNS = 1;
+
+function sharePct(productId: number): number {
+  return DEMO_PRODUCTS.find((p) => p.id === productId)?.secured === false ? 5 : 2.5;
+}
+
+function ceil100(n: number): number {
+  return Math.ceil(n / 100) * 100;
+}
+
+const FIRST = [
+  'Ramesh',
+  'Sunita',
+  'Amit',
+  'Priya',
+  'Rajesh',
+  'Kavita',
+  'Suresh',
+  'Anjali',
+  'Mahesh',
+  'Pooja',
+  'Dinesh',
+  'Neha',
+  'Vijay',
+  'Rekha',
+  'Sanjay',
+  'Meena',
+  'Arvind',
+  'Geeta',
+  'Manoj',
+  'Seema',
+  'Rahul',
+  'Asha',
+  'Deepak',
+  'Nisha',
+  'Ashok',
+  'Lata',
+  'Prakash',
+  'Usha',
+  'Anil',
+  'Shobha'
+];
+const LAST = [
+  'Sharma',
+  'Verma',
+  'Patel',
+  'Gupta',
+  'Singh',
+  'Yadav',
+  'Jain',
+  'Agrawal',
+  'Choudhary',
+  'Mishra',
+  'Tiwari',
+  'Rathore',
+  'Soni',
+  'Malviya',
+  'Dubey',
+  'Saxena'
+];
+
+/** Small deterministic generator so the demo looks the same every time. */
+function rng(seed: number): () => number {
+  let s = seed;
+  return () => {
+    s = (s * 1664525 + 1013904223) % 4294967296;
+    return s / 4294967296;
+  };
+}
+
+function emiFor(principal: number, annualRate: number, months: number): number {
+  const r = annualRate / 1200;
+  return r === 0 ? principal / months : (principal * r) / (1 - Math.pow(1 + r, -months));
+}
+
+function principalForEmi(emi: number, annualRate: number, months: number): number {
+  const r = annualRate / 1200;
+  return r === 0 ? emi * months : (emi * (1 - Math.pow(1 + r, -months))) / r;
+}
+
+function round(n: number, step = 1): number {
+  return Math.round(n / step) * step;
+}
+
+function buildBook(): DemoClient[] {
+  const rand = rng(20261019);
+  const pick = <T>(a: T[]): T => a[Math.floor(rand() * a.length)];
+  const clients: DemoClient[] = [];
+  // Separate streams for the repayment record and the bank accounts, so the book above stays as it was.
+  const track = rng(7);
+  const bank = rng(11);
+  let loanId = 1;
+  for (let i = 0; i < 64; i++) {
+    const salaried = rand() < 0.85;
+    const client: DemoClient = {
+      id: 1001 + i,
+      name: `${FIRST[i % FIRST.length]} ${pick(LAST)}`,
+      accountNo: String(100010 + i).padStart(9, '0'),
+      age: 22 + Math.floor(rand() * 40),
+      monthlyIncome: salaried ? round(18000 + rand() * 132000, 500) : undefined,
+      fdBalance: rand() < 0.45 ? round(25000 + rand() * 775000, 1000) : 0,
+      savingsBalance: round(2000 + rand() * 148000, 100),
+      loans: [],
+      shareHeld: 0,
+      accounts: []
+    };
+    const count = 1 + Math.floor(rand() * 3);
+    // Behaviour of the borrower decides how all their loans run: most pay on time, some slip, a few go bad.
+    const behaviour = rand();
+    for (let k = 0; k < count; k++) {
+      // Stay within each product's age and loans-per-customer rules, as the bank would have at sanction.
+      const product = pick(
+        DEMO_PRODUCTS.filter(
+          (p) =>
+            (p.id !== 5 || client.fdBalance > 0) &&
+            client.age >= (p.minAge ?? 18) &&
+            client.loans.filter((l) => l.productId === p.id).length < (p.maxLoansPerCustomer ?? 3)
+        )
+      );
+      const disbursed = round(
+        product.minAmount + rand() * Math.min(product.maxAmount - product.minAmount, 1800000),
+        1000
+      );
+      const closed = rand() < 0.25;
+      let dpd = 0;
+      if (!closed) {
+        if (behaviour > 0.975) {
+          dpd = 91 + Math.floor(rand() * 900);
+        } else if (behaviour > 0.72) {
+          dpd = 1 + Math.floor(rand() * 89);
+        } else if (behaviour > 0.705) {
+          dpd = 91 + Math.floor(rand() * 300);
+        }
+      }
+      const writtenOff = !closed && dpd > 700 && rand() < 0.5;
+      const outstanding = closed || writtenOff ? 0 : round(disbursed * (0.25 + rand() * 0.7), 1);
+      const emi = round(emiFor(disbursed, product.annualRate, product.tenureMonths), 1);
+      const emisPaid = closed
+        ? Math.min(product.tenureMonths, 12 + Math.floor(track() * 24))
+        : writtenOff
+          ? Math.max(3, Math.round(product.tenureMonths * 0.3))
+          : Math.max(1, Math.round(product.tenureMonths * (1 - outstanding / disbursed)));
+      // Most good payers never miss a date; some were late once or a few times but are regular today.
+      let emisLate = 0;
+      if (behaviour > 0.705) {
+        emisLate = 2 + Math.floor(track() * 6);
+      } else if (behaviour > 0.55) {
+        emisLate = 1 + Math.floor(track() * 4);
+      }
+      emisLate = Math.min(emisLate, emisPaid);
+      client.loans.push({
+        id: loanId,
+        accountNo: String(500000 + loanId).padStart(9, '0'),
+        productId: product.id,
+        status: closed ? 'Closed' : writtenOff ? 'Written off' : 'Active',
+        dpd: closed || writtenOff ? 0 : dpd,
+        disbursed,
+        outstanding,
+        overdue: dpd > 0 && !writtenOff ? round(Math.min(outstanding, emi * Math.ceil(dpd / 30)), 1) : 0,
+        emi: closed || writtenOff ? 0 : emi,
+        emisPaid,
+        emisLate
+      });
+      loanId++;
+    }
+    addBanking(client, bank);
+    clients.push(client);
+  }
+  return clients;
+}
+
+/** Savings / current account statement for the last six months and the member's shareholding. */
+function addBanking(c: DemoClient, bank: () => number): void {
+  const active = c.loans.filter((l) => l.status === 'Active');
+  const emi = active.reduce((s, l) => s + l.emi, 0);
+  const overdue = active.some((l) => l.dpd > 0);
+  const late = c.loans.reduce((s, l) => s + l.emisLate, 0);
+  // Salaried members run a savings account; traders and businesses run a current account.
+  const business = !c.monthlyIncome;
+  const turnover = c.monthlyIncome ?? 150000 + bank() * 650000;
+  const spendRatio = business ? 0.82 + bank() * 0.12 : 0.3 + bank() * 0.3;
+  let returns = overdue ? 1 + Math.floor(bank() * 3) : late > MAX_LATE_EMIS ? 1 : bank() < 0.08 ? 1 : 0;
+  const months: DemoMonth[] = MONTHS.map((month, i) => {
+    const credits = round(turnover * (0.9 + bank() * 0.2) + (business ? 0 : bank() * 3000), 10);
+    // EMIs go out first; household or business spending is a share of what is left.
+    const debits = round(Math.max(0, credits - emi) * Math.min(0.97, spendRatio * (0.9 + bank() * 0.2)) + emi, 10);
+    const r = returns > 0 && (i >= MONTHS.length - returns || bank() < 0.2) ? 1 : 0;
+    returns -= r;
+    return {
+      month,
+      credits,
+      debits: overdue ? Math.max(debits, round(credits * 1.02, 10)) : debits,
+      avgBalance: round(c.savingsBalance * (0.7 + bank() * 0.6), 100),
+      returns: r
+    };
+  });
+  c.accounts.push({
+    type: business ? 'Current' : 'Savings',
+    accountNo: String((business ? 300000 : 200000) + c.id).padStart(9, '0'),
+    months
+  });
+  // Shares linked to borrowing: 2.5% of secured and 5% of unsecured loans. A few members are short.
+  const required = active.reduce((s, l) => s + (l.disbursed * sharePct(l.productId)) / 100, 0);
+  const short = required > 0 && bank() < 0.15;
+  c.shareHeld = MEMBERSHIP_SHARE + ceil100(short ? required * 0.5 : required);
+}
+
+const BOOK = buildBook();
+const AS_ON = '19-10-2026';
+
+const STAGES: Array<Omit<LoanStageRow, 'loans' | 'outstanding' | 'overdue'>> = [
+  { stage: 'STANDARD', label: 'Standard', dpdRange: '0', group: 'PERFORMING' },
+  { stage: 'SMA0', label: 'SMA-0', dpdRange: '1-30', group: 'PERFORMING' },
+  { stage: 'SMA1', label: 'SMA-1', dpdRange: '31-60', group: 'PERFORMING' },
+  { stage: 'SMA2', label: 'SMA-2', dpdRange: '61-90', group: 'PERFORMING' },
+  { stage: 'SUBSTANDARD', label: 'Sub-standard', dpdRange: '91-455', group: 'NPA' },
+  { stage: 'DOUBTFUL1', label: 'Doubtful D1', dpdRange: '456-820', group: 'NPA' },
+  { stage: 'DOUBTFUL2', label: 'Doubtful D2', dpdRange: '821-1550', group: 'NPA' },
+  { stage: 'DOUBTFUL3', label: 'Doubtful D3', dpdRange: 'above 1550', group: 'NPA' },
+  { stage: 'LOSS', label: 'Loss / written off', dpdRange: 'written off', group: 'CLOSED' },
+  { stage: 'CLOSED', label: 'Closed', dpdRange: 'repaid', group: 'CLOSED' }
+];
+
+/** RBI IRAC class of a loan on days past due. */
+function stageOf(l: DemoLoan): string {
+  if (l.status === 'Written off') {
+    return 'LOSS';
+  }
+  if (l.status === 'Closed') {
+    return 'CLOSED';
+  }
+  const d = l.dpd;
+  if (d <= 0) {
+    return 'STANDARD';
+  }
+  if (d <= 30) {
+    return 'SMA0';
+  }
+  if (d <= 60) {
+    return 'SMA1';
+  }
+  if (d <= 90) {
+    return 'SMA2';
+  }
+  if (d <= 455) {
+    return 'SUBSTANDARD';
+  }
+  if (d <= 820) {
+    return 'DOUBTFUL1';
+  }
+  return d <= 1550 ? 'DOUBTFUL2' : 'DOUBTFUL3';
+}
+
+function labelOf(stage: string): string {
+  return STAGES.find((s) => s.stage === stage)?.label ?? stage;
+}
+
+function isNpa(stage: string): boolean {
+  return STAGES.find((s) => s.stage === stage)?.group === 'NPA';
+}
+
+function categoryOf(c: DemoClient): BorrowerCategory {
+  let cat: BorrowerCategory = 'GOOD';
+  for (const l of c.loans) {
+    const st = stageOf(l);
+    if (st === 'LOSS' || isNpa(st)) {
+      return 'BAD';
+    }
+    if (l.status === 'Active' && st !== 'STANDARD') {
+      cat = 'WATCH';
+    }
+  }
+  return cat;
+}
+
+function productName(id: number): string {
+  return DEMO_PRODUCTS.find((p) => p.id === id)?.name ?? String(id);
+}
+
+/** Shares the member should hold against the running loans. */
+function shareRequired(c: DemoClient): number {
+  return c.loans
+    .filter((l) => l.status === 'Active')
+    .reduce((s, l) => s + (l.disbursed * sharePct(l.productId)) / 100, 0);
+}
+
+/** Six-month averages of the operative account. */
+function statement(c: DemoClient) {
+  const ms = c.accounts.flatMap((a) => a.months);
+  const n = MONTHS.length;
+  const credits = ms.reduce((s, m) => s + m.credits, 0) / n;
+  const debits = ms.reduce((s, m) => s + m.debits, 0) / n;
+  return {
+    type: c.accounts[0]?.type ?? 'Savings',
+    credits,
+    debits,
+    surplus: credits - debits,
+    avgBalance: ms.reduce((s, m) => s + m.avgBalance, 0) / n,
+    returns: ms.reduce((s, m) => s + m.returns, 0)
+  };
+}
+
+const inr = (n: number) => '₹' + Math.round(n).toLocaleString('en-IN');
+
+function eligibility(c: DemoClient, p: DemoProduct): ProductEligibility {
+  const passed: string[] = [];
+  const failed: string[] = [];
+  const notes: string[] = [];
+  const active = c.loans.filter((l) => l.status === 'Active');
+  const currentEmi = active.reduce((s, l) => s + l.emi, 0);
+  let limit = p.maxAmount;
+  const paid = c.loans.reduce((s, l) => s + l.emisPaid, 0);
+  const late = c.loans.reduce((s, l) => s + l.emisLate, 0);
+  if (late > MAX_LATE_EMIS) {
+    failed.push(`EMI record: ${late} of ${paid} EMIs paid late (allowed up to ${MAX_LATE_EMIS})`);
+  } else {
+    passed.push(`EMI record: ${paid - late} of ${paid} EMIs paid on time`);
+  }
+  const st = statement(c);
+  if (st.returns > MAX_RETURNS) {
+    failed.push(`${st.returns} cheque / ECS returns in the last 6 months (allowed up to ${MAX_RETURNS})`);
+  } else {
+    passed.push(`${st.returns} cheque / ECS return(s) in the last 6 months`);
+  }
+  if (st.surplus <= 0) {
+    failed.push(`Account spending ${inr(st.debits)} a month is more than the credits ${inr(st.credits)}`);
+  } else {
+    passed.push(
+      `${st.type} account: credits ${inr(st.credits)} − expenses ${inr(st.debits)} = ${inr(st.surplus)} left a month`
+    );
+    if (p.maxFoir !== undefined) {
+      limit = Math.min(limit, principalForEmi(st.surplus, p.annualRate, p.tenureMonths));
+    }
+  }
+  if (p.minAge !== undefined) {
+    if (c.age < p.minAge) {
+      failed.push(`Age ${c.age} is below the minimum ${p.minAge}`);
+    } else {
+      passed.push(`Age ${c.age} (minimum ${p.minAge})`);
+    }
+  }
+  if (p.maxAgeAtMaturity !== undefined) {
+    const atMaturity = c.age + Math.ceil(p.tenureMonths / 12);
+    if (atMaturity > p.maxAgeAtMaturity) {
+      failed.push(`Age at maturity ${atMaturity} exceeds ${p.maxAgeAtMaturity}`);
+    } else {
+      passed.push(`Age at maturity ${atMaturity} (maximum ${p.maxAgeAtMaturity})`);
+    }
+  }
+  if (p.minMonthlyIncome !== undefined) {
+    if (!c.monthlyIncome) {
+      failed.push(`Monthly income not recorded (minimum ${inr(p.minMonthlyIncome)})`);
+    } else if (c.monthlyIncome < p.minMonthlyIncome) {
+      failed.push(`Monthly income ${inr(c.monthlyIncome)} is below ${inr(p.minMonthlyIncome)}`);
+    } else {
+      passed.push(`Monthly income ${inr(c.monthlyIncome)} (minimum ${inr(p.minMonthlyIncome)})`);
+    }
+  }
+  if (p.maxLoansPerCustomer !== undefined) {
+    const running = active.filter((l) => l.productId === p.id).length;
+    if (running >= p.maxLoansPerCustomer) {
+      failed.push(`${running} loan(s) of this product already running (maximum ${p.maxLoansPerCustomer})`);
+    } else {
+      passed.push(`${running} loan(s) of this product running (maximum ${p.maxLoansPerCustomer})`);
+    }
+  }
+  if (p.maxFoir !== undefined && c.monthlyIncome) {
+    const room = (c.monthlyIncome * p.maxFoir) / 100 - currentEmi;
+    if (room <= 0) {
+      failed.push(`Current EMIs ${inr(currentEmi)} already use the FOIR limit of ${p.maxFoir}% of income`);
+    } else {
+      const byFoir = principalForEmi(room, p.annualRate, p.tenureMonths);
+      passed.push(`FOIR ${p.maxFoir}%: EMI room ${inr(room)} a month supports up to ${inr(byFoir)}`);
+      limit = Math.min(limit, byFoir);
+    }
+  }
+  if (p.ltvPct !== undefined) {
+    if (c.fdBalance <= 0) {
+      failed.push('No FD / RD to pledge');
+    } else {
+      const byDeposit = (c.fdBalance * p.ltvPct) / 100;
+      passed.push(`FD ${inr(c.fdBalance)} at ${p.ltvPct}% allows up to ${inr(byDeposit)}`);
+      limit = Math.min(limit, byDeposit);
+    }
+  }
+  if (p.id === 4) {
+    notes.push('Final amount depends on the gold valued at the branch');
+  }
+  let eligible = failed.length === 0;
+  if (eligible && limit < p.minAmount) {
+    failed.push(`Eligible amount ${inr(limit)} is below the product minimum ${inr(p.minAmount)}`);
+    eligible = false;
+  }
+  const amount = eligible ? round(limit, 1000) : undefined;
+  const pct = p.secured ? 2.5 : 5;
+  const shortfall = Math.max(0, shareRequired(c) - (c.shareHeld - MEMBERSHIP_SHARE));
+  const shareToBuy = amount ? ceil100((amount * pct) / 100 + shortfall) : undefined;
+  if (amount) {
+    notes.push(
+      `Shares of ${inr((amount * pct) / 100)} to be taken (${pct}% of the loan, ${p.secured ? 'secured' : 'unsecured'})`
+    );
+    if (shortfall > 0) {
+      notes.push(`Existing share shortfall of ${inr(shortfall)} on running loans is collected too`);
+    }
+  }
+  notes.push('CIBIL score not checked in this demo');
+  return {
+    productId: p.id,
+    productName: p.name,
+    eligible,
+    eligibleAmount: amount,
+    sharePct: pct,
+    shareToBuy,
+    netInHand: amount && shareToBuy !== undefined ? amount - shareToBuy : undefined,
+    minAmount: p.minAmount,
+    maxAmount: p.maxAmount,
+    passed,
+    failed,
+    notes
+  };
+}
+
+function toBorrower(c: DemoClient, detail: boolean): Borrower {
+  const category = categoryOf(c);
+  const active = c.loans.filter((l) => l.status === 'Active');
+  const order = STAGES.map((s) => s.stage);
+  const worst = active.map(stageOf).sort((a, b) => order.indexOf(b) - order.indexOf(a))[0];
+  const elig = category === 'GOOD' ? DEMO_PRODUCTS.map((p) => eligibility(c, p)) : [];
+  const loans: BorrowerLoan[] = c.loans.map((l) => ({
+    loanId: l.id,
+    accountNo: l.accountNo,
+    productName: productName(l.productId),
+    status: l.status,
+    stage: labelOf(stageOf(l)),
+    dpd: l.dpd,
+    emisPaid: l.emisPaid,
+    emisLate: l.emisLate,
+    disbursed: l.disbursed,
+    outstanding: l.outstanding,
+    overdue: l.overdue,
+    sharePct: sharePct(l.productId),
+    shareRequired: l.status === 'Active' ? (l.disbursed * sharePct(l.productId)) / 100 : 0
+  }));
+  const st = statement(c);
+  return {
+    clientId: c.id,
+    clientName: c.name,
+    clientAccountNo: c.accountNo,
+    category,
+    activeLoans: active.length,
+    closedLoans: c.loans.filter((l) => l.status === 'Closed').length,
+    writtenOffLoans: c.loans.filter((l) => l.status === 'Written off').length,
+    outstanding: active.reduce((s, l) => s + l.outstanding, 0),
+    maxDpd: active.reduce((m, l) => Math.max(m, l.dpd), 0),
+    worstStage: worst ? labelOf(worst) : undefined,
+    monthlyIncome: c.monthlyIncome,
+    age: c.age,
+    depositBalance: c.fdBalance + c.savingsBalance,
+    currentEmi: active.reduce((s, l) => s + l.emi, 0),
+    eligibleProducts: elig.filter((e) => e.eligible).length,
+    emisPaid: c.loans.reduce((s, l) => s + l.emisPaid, 0),
+    emisLate: c.loans.reduce((s, l) => s + l.emisLate, 0),
+    shareHeld: c.shareHeld,
+    shareRequired: MEMBERSHIP_SHARE + shareRequired(c),
+    accountType: st.type,
+    avgCredits: st.credits,
+    avgDebits: st.debits,
+    returns: st.returns,
+    accounts: detail ? c.accounts : undefined,
+    loans: detail ? loans : undefined,
+    eligibility: detail ? elig : undefined
+  };
+}
+
+export function demoSummary(): LoanEligibilitySummary {
+  const all = BOOK.flatMap((c) => c.loans);
+  const stages: LoanStageRow[] = STAGES.map((s) => {
+    const ls = all.filter((l) => stageOf(l) === s.stage);
+    return {
+      ...s,
+      loans: ls.length,
+      outstanding: ls.reduce((a, l) => a + l.outstanding, 0),
+      overdue: ls.reduce((a, l) => a + l.overdue, 0)
+    };
+  });
+  const active = all.filter((l) => l.status === 'Active');
+  const npa = active.filter((l) => isNpa(stageOf(l)));
+  const activeOut = active.reduce((a, l) => a + l.outstanding, 0);
+  const npaOut = npa.reduce((a, l) => a + l.outstanding, 0);
+  const cats = BOOK.map(categoryOf);
+  const linked = BOOK.filter((c) => shareRequired(c) > 0);
+  const shortOf = (c: DemoClient) => Math.max(0, shareRequired(c) - (c.shareHeld - MEMBERSHIP_SHARE));
+  return {
+    shareRequired: linked.reduce((a, c) => a + shareRequired(c), 0),
+    shareHeld: linked.reduce((a, c) => a + c.shareHeld - MEMBERSHIP_SHARE, 0),
+    shareShortMembers: linked.filter((c) => shortOf(c) > 0).length,
+    shareShortfall: linked.reduce((a, c) => a + shortOf(c), 0),
+    asOnDate: AS_ON,
+    activeLoans: active.length,
+    activeOutstanding: activeOut,
+    performingLoans: active.length - npa.length,
+    performingOutstanding: activeOut - npaOut,
+    npaLoans: npa.length,
+    npaOutstanding: npaOut,
+    grossNpaPct: activeOut > 0 ? Math.round((npaOut / activeOut) * 10000) / 100 : 0,
+    closedLoans: all.filter((l) => l.status === 'Closed').length,
+    writtenOffLoans: all.filter((l) => l.status === 'Written off').length,
+    writtenOffAmount: all.filter((l) => l.status === 'Written off').reduce((a, l) => a + l.disbursed * 0.6, 0),
+    goodBorrowers: cats.filter((c) => c === 'GOOD').length,
+    watchBorrowers: cats.filter((c) => c === 'WATCH').length,
+    badBorrowers: cats.filter((c) => c === 'BAD').length,
+    stages,
+    products: DEMO_PRODUCTS.map((p) => {
+      const ls = active.filter((l) => l.productId === p.id);
+      const bad = ls.filter((l) => isNpa(stageOf(l)));
+      return {
+        productId: p.id,
+        productName: p.name,
+        activeLoans: ls.length,
+        performingLoans: ls.length - bad.length,
+        npaLoans: bad.length,
+        outstanding: ls.reduce((a, l) => a + l.outstanding, 0),
+        npaOutstanding: bad.reduce((a, l) => a + l.outstanding, 0)
+      };
+    }).sort((a, b) => b.outstanding - a.outstanding),
+    notes: [
+      'Demo data: the figures are illustrative, not the bank’s books.',
+      'Share linking to borrowing: members hold shares of 5% of unsecured and 2.5% of secured loans (UCBs keeping CRAR of 12% on a continuous basis are exempt).',
+      'Classification as per RBI IRAC norms on days past due (90+ days = NPA; Sub-standard up to 12 months as NPA, then Doubtful D1 / D2 / D3).',
+      'Eligibility uses each product’s rules: age, age at maturity, monthly income, FOIR, loans per customer and, for loans against FD, the LTV on the deposit.'
+    ]
+  };
+}
+
+export function demoBorrowers(category: BorrowerCategory | '', search: string): Borrower[] {
+  const q = search.trim().toLowerCase();
+  return BOOK.filter((c) => !category || categoryOf(c) === category)
+    .filter((c) => !q || c.name.toLowerCase().includes(q) || c.accountNo.includes(q))
+    .map((c) => toBorrower(c, false))
+    .sort(
+      (a, b) =>
+        b.maxDpd - a.maxDpd || b.eligibleProducts - a.eligibleProducts || a.clientName.localeCompare(b.clientName)
+    );
+}
+
+export function demoBorrower(clientId: number): Borrower | undefined {
+  const c = BOOK.find((x) => x.id === clientId);
+  return c ? toBorrower(c, true) : undefined;
+}

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

@@ -6,14 +6,10 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-@use '../../../shared/styles/list-layout' as *;
+import { NgModule } from '@angular/core';
+import { LoanEligibilityRoutingModule } from './loan-eligibility-routing.module';
 
-table {
-  width: 100%;
-}
-
-.pf-subtitle {
-  margin: 4px 0 0;
-  color: rgb(0 0 0 / 60%);
-  font-size: 0.875rem;
-}
+@NgModule({
+  imports: [LoanEligibilityRoutingModule]
+})
+export class LoanEligibilityModule {}

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

@@ -0,0 +1,154 @@
+/**
+ * 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 } from '@angular/core';
+import { Observable, delay, of, throwError } from 'rxjs';
+import { demoBorrower, demoBorrowers, demoSummary } from './loan-eligibility.mock';
+
+export type BorrowerCategory = 'GOOD' | 'WATCH' | 'BAD';
+
+export interface LoanStageRow {
+  stage: string;
+  label: string;
+  dpdRange: string;
+  group: 'PERFORMING' | 'NPA' | 'CLOSED';
+  loans: number;
+  outstanding: number;
+  overdue: number;
+}
+
+export interface LoanProductRow {
+  productId: number;
+  productName: string;
+  activeLoans: number;
+  performingLoans: number;
+  npaLoans: number;
+  outstanding: number;
+  npaOutstanding: number;
+}
+
+/** Loan book health as on the business date (RBI asset classes, products, borrowers). */
+export interface LoanEligibilitySummary {
+  asOnDate: string;
+  activeLoans: number;
+  activeOutstanding: number;
+  performingLoans: number;
+  performingOutstanding: number;
+  npaLoans: number;
+  npaOutstanding: number;
+  grossNpaPct: number;
+  closedLoans: number;
+  writtenOffLoans: number;
+  writtenOffAmount: number;
+  /** Share linking to borrowing across members with running loans. */
+  shareRequired: number;
+  shareHeld: number;
+  shareShortMembers: number;
+  shareShortfall: number;
+  goodBorrowers: number;
+  watchBorrowers: number;
+  badBorrowers: number;
+  stages: LoanStageRow[];
+  products: LoanProductRow[];
+  notes: string[];
+}
+
+export interface BorrowerLoan {
+  loanId: number;
+  accountNo: string;
+  productName: string;
+  status: string;
+  stage: string;
+  dpd: number;
+  emisPaid: number;
+  emisLate: number;
+  disbursed: number;
+  outstanding: number;
+  overdue: number;
+  sharePct: number;
+  shareRequired: number;
+}
+
+export interface AccountMonth {
+  month: string;
+  credits: number;
+  debits: number;
+  avgBalance: number;
+  returns: number;
+}
+
+/** Savings / current account statement, month by month. */
+export interface BorrowerAccount {
+  type: 'Savings' | 'Current';
+  accountNo: string;
+  months: AccountMonth[];
+}
+
+export interface ProductEligibility {
+  productId: number;
+  productName: string;
+  eligible: boolean;
+  eligibleAmount?: number;
+  sharePct: number;
+  /** Shares to be taken with this loan (incl. any existing shortfall). */
+  shareToBuy?: number;
+  netInHand?: number;
+  minAmount?: number;
+  maxAmount?: number;
+  passed: string[];
+  failed: string[];
+  notes: string[];
+}
+
+export interface Borrower {
+  clientId: number;
+  clientName: string;
+  clientAccountNo: string;
+  category: BorrowerCategory;
+  activeLoans: number;
+  closedLoans: number;
+  writtenOffLoans: number;
+  outstanding: number;
+  maxDpd: number;
+  worstStage?: string;
+  monthlyIncome?: number;
+  age?: number;
+  depositBalance: number;
+  currentEmi: number;
+  eligibleProducts: number;
+  /** Repayment record over all loans: EMIs fallen due and how many were paid late. */
+  emisPaid: number;
+  emisLate: number;
+  shareHeld: number;
+  shareRequired: number;
+  /** Six-month averages of the operative account. */
+  accountType: 'Savings' | 'Current';
+  avgCredits: number;
+  avgDebits: number;
+  returns: number;
+  accounts?: BorrowerAccount[];
+  loans?: BorrowerLoan[];
+  eligibility?: ProductEligibility[];
+}
+
+/** Loan Eligibility (AI / Intelligence – Lending & Risk): demo data, worked out on the eligibility rules. */
+@Injectable({ providedIn: 'root' })
+export class LoanEligibilityService {
+  getSummary(): Observable<LoanEligibilitySummary> {
+    return of(demoSummary()).pipe(delay(2800));
+  }
+
+  getBorrowers(category: BorrowerCategory | '', search: string): Observable<Borrower[]> {
+    return of(demoBorrowers(category, search)).pipe(delay(700));
+  }
+
+  getBorrower(clientId: number): Observable<Borrower> {
+    const b = demoBorrower(clientId);
+    return b ? of(b).pipe(delay(900)) : throwError(() => new Error('Borrower not found'));
+  }
+}

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

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

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

@@ -50,8 +50,7 @@ export async function createRealLoanAccount(
 
   const locale = settings.language.code;
   const dateFormat = settings.dateFormat;
-  // Fineract rejects a submitted-on date later than its business date, so use that (the date shown in the header), not the PC clock.
-  const today = dateUtils.formatDate(settings.businessDate, dateFormat);
+  const today = dateUtils.formatDate(new Date(), dateFormat);
 
   const payload = {
     clientId: app.clientId,
@@ -68,8 +67,6 @@ export async function createRealLoanAccount(
     interestCalculationPeriodType: template.interestCalculationPeriodType?.id,
     amortizationType: template.amortizationType?.id,
     transactionProcessingStrategyCode: template.transactionProcessingStrategyCode,
-    // the application number is the loan's external id, so the application can find (and show) this account
-    externalId: app.applicationNo,
     submittedOnDate: today,
     expectedDisbursementDate: today,
     dateFormat,
@@ -87,7 +84,7 @@ export async function createRealLoanAccount(
     })
   );
 
-  const disbursed: any = await firstValueFrom(
+  await firstValueFrom(
     loansService.loanActionButtons(loanId, 'disburse', {
       actualDisbursementDate: today,
       transactionAmount: app.requestedAmount,
@@ -95,16 +92,6 @@ export async function createRealLoanAccount(
       locale
     })
   );
-  if (disbursed?.rollbackTransaction) {
-    // Disbursement needs a checker (maker-checker): nothing is disbursed until it is approved, so the application must not say so.
-    throw new Error(
-      'The disbursement of loan ' +
-        loanId +
-        ' was sent for approval (request ' +
-        disbursed.commandId +
-        '). It happens when it is approved in the Approvals inbox.'
-    );
-  }
 
   const account: any = await firstValueFrom(loansService.getLoanAccountResource(String(loanId), ''));
   return {
@@ -112,55 +99,3 @@ export async function createRealLoanAccount(
     loanAccountNo: account?.accountNo || String(loanId)
   };
 }
-
-export interface CoreLienTarget {
-  /** The Fineract deposit account (fixed or recurring) the loan is secured on. */
-  savingsId: number;
-  accountNo: string;
-  /** How much of the loan this deposit secures. */
-  amount: number;
-}
-
-/**
- * Puts a real lien on the pledged FD / RD accounts once the loan account exists.
- *
- * Fineract has no separate lien call; its own way to bind a deposit to a loan is a guarantor funded from that deposit:
- * the amount is held on the account (it cannot be withdrawn or closed), an RD counts it as a lien, and it is released
- * in step with the loan's repayments and in full when the loan is repaid. The customer guarantees their own loan with
- * their own deposit, which Fineract allows when the guarantor is funded from a savings account.
- *
- * Returns the accounts it could not lien, with the reason, so the screen can say so rather than leaving the
- * application showing a lien that does not exist.
- */
-export async function placeCoreLien(
-  loansService: LoansService,
-  dateUtils: Dates,
-  settings: SettingsService,
-  loanId: number,
-  clientId: number,
-  targets: CoreLienTarget[]
-): Promise<{ placed: CoreLienTarget[]; failed: { target: CoreLienTarget; reason: string }[] }> {
-  const placed: CoreLienTarget[] = [];
-  const failed: { target: CoreLienTarget; reason: string }[] = [];
-  for (const target of targets) {
-    try {
-      await firstValueFrom(
-        loansService.createNewGuarantor(String(loanId), {
-          guarantorTypeId: 1,
-          entityId: clientId,
-          savingsId: target.savingsId,
-          amount: target.amount,
-          locale: settings.language.code,
-          dateFormat: settings.dateFormat
-        })
-      );
-      placed.push(target);
-    } catch (err: any) {
-      failed.push({
-        target,
-        reason: err?.error?.errors?.[0]?.defaultUserMessage || err?.message || 'Could not place the lien.'
-      });
-    }
-  }
-  return { placed, failed };
-}

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

@@ -29,7 +29,6 @@ export { BRANCHES, BranchMaster };
 export type OriginationStage =
   | 'APPLICATION'
   | 'KYC_DOCUMENTS'
-  | 'DEPOSIT_SELECTION'
   | 'CIC_CHECK'
   | 'FIELD_INVESTIGATION'
   | 'PERSONAL_DISCUSSION'
@@ -44,7 +43,6 @@ export type OriginationStage =
 export const STAGE_ORDER: OriginationStage[] = [
   'APPLICATION',
   'KYC_DOCUMENTS',
-  'DEPOSIT_SELECTION',
   'CIC_CHECK',
   'FIELD_INVESTIGATION',
   'PERSONAL_DISCUSSION',
@@ -60,7 +58,6 @@ export const STAGE_ORDER: OriginationStage[] = [
 export const STAGE_LABELS: Record<OriginationStage, string> = {
   APPLICATION: 'Application Received',
   KYC_DOCUMENTS: 'KYC & Document Collection',
-  DEPOSIT_SELECTION: 'Deposit Selection & Eligibility',
   CIC_CHECK: 'CIC / Credit Bureau Check',
   FIELD_INVESTIGATION: 'Field Investigation (FI)',
   PERSONAL_DISCUSSION: 'Personal Discussion with Manager',
@@ -73,29 +70,6 @@ export const STAGE_LABELS: Record<OriginationStage, string> = {
   DISBURSED: 'Disbursed'
 };
 
-/** The stages a given product actually goes through (a loan against a deposit has no CIC and no field investigation): Deposit Selection only for a loan against a deposit, and no
- *  credit bureau (CIC) check for it. Everything else keeps the full 12-stage list. */
-export function stagesFor(productCode: string | undefined | null): OriginationStage[] {
-  if (isDepositLoanCode(productCode)) {
-    // No credit bureau check, field investigation or security cheque / ACH (recovery is by set-off against the lien), and no
-    // separate risk or legal approval: the one Sanction step (the committee stage) takes their place. Every other stage stays.
-    return STAGE_ORDER.filter(
-      (stage) =>
-        stage !== 'CIC_CHECK' &&
-        stage !== 'FIELD_INVESTIGATION' &&
-        stage !== 'CHEQUE_ACH' &&
-        stage !== 'RISK_APPROVAL' &&
-        stage !== 'LEGAL_APPROVAL'
-    );
-  }
-  return STAGE_ORDER.filter((stage) => stage !== 'DEPOSIT_SELECTION');
-}
-
-/** What a stage is called for this product: on a loan against a deposit the committee stage is the single Sanction step. */
-export function stageLabelFor(stage: OriginationStage, productCode: string | undefined | null): string {
-  return stage === 'CREDIT_COMMITTEE' && isDepositLoanCode(productCode) ? 'Sanction' : STAGE_LABELS[stage];
-}
-
 export function stageIndex(stage: OriginationStage): number {
   return STAGE_ORDER.indexOf(stage);
 }
@@ -162,14 +136,13 @@ export const DISCREPANCY_LABELS: Record<DiscrepancyType, string> = {
   FAKE_DECLARATION: 'Fake Declaration Suspected'
 };
 
-export type ApprovalDecision = 'PENDING' | 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED' | 'REVOKED';
+export type ApprovalDecision = 'PENDING' | 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED';
 
 export const APPROVAL_LABELS: Record<ApprovalDecision, string> = {
   PENDING: 'Pending',
   APPROVED: 'Approved',
   REJECTED: 'Rejected',
-  EXCEPTION_APPROVED: 'Approved on Exception',
-  REVOKED: 'Returned for Rectification'
+  EXCEPTION_APPROVED: 'Approved on Exception'
 };
 
 export type VerificationStatus = 'PENDING' | 'VERIFIED' | 'FAILED';
@@ -207,89 +180,7 @@ export interface StageHistoryEntry {
   remarks: string;
 }
 
-/** A LIC policy pledged for a loan against LIC: not a bank account, so the officer records it from the policy documents. */
-export interface LicPolicy {
-  policyNo: string;
-  insurer: string;
-  policyHolder: string;
-  sumAssured: number;
-  premiumPaid: number;
-  /** As per the insurer's surrender value letter (not older than a month). */
-  surrenderValue: number;
-  /** DD-MM-YYYY */
-  maturityDate: string;
-  /** The loan's interest rate, entered by the officer (a policy has no deposit rate to follow). */
-  loanRate: number;
-}
-
-/** One guarantor named on an application. */
-export interface GuarantorEntry {
-  clientId: number;
-  name: string;
-  hasShareAccount: boolean;
-  /** The share accounts found for the guarantor when membership was checked. */
-  shareAccountNos?: string[];
-}
-
-/** The deposit(s) pledged for a loan against FD / RD / DDS / LIC and what they allow (policy 9.5). */
-export interface DepositSelection {
-  /** The LIC policy, for a loan against LIC (then `accountIds` is empty and `accountNos` holds the policy number). */
-  policy?: LicPolicy;
-  accountIds: number[];
-  accountNos: string[];
-  securityValue: number;
-  limitPct: number;
-  eligibleAmount: number;
-  depositRate: number;
-  spread: number;
-  maxTenure: number;
-  over85: boolean;
-  over85Reason: string;
-  thirdParty: boolean;
-  /** The product requires a lien on the deposit (a product can switch this off). */
-  lienRequired: boolean;
-  saved: boolean;
-}
-
-/** Lien noted on the pledged deposit(s) for this application. */
-export interface LienRecord {
-  marked: boolean;
-  certificateNo: string;
-  markedOn: string;
-  amount: number;
-  accountNos: string[];
-  /** Whether the lien really stands in core banking (funds held on the FD / RD, or the DDS account marked), as opposed to
-   *  only being recorded here. */
-  coreStatus?: 'PLACED' | 'FAILED' | 'NOT_APPLICABLE';
-  /** What was done in core banking, or why it could not be. */
-  coreNote?: string;
-}
-
-/** An approval sent for a decision (maker-checker): the user who sent it cannot be the one who decides. */
-export interface ApprovalRequest {
-  status: 'PENDING' | 'APPROVED' | 'EXCEPTION_APPROVED' | 'REJECTED' | 'WITHDRAWN' | 'REVOKED';
-  submittedBy: string;
-  submittedOn: string;
-  requestedDecision: 'APPROVED' | 'EXCEPTION_APPROVED';
-  remarks: string;
-  revokeRemarks?: string;
-  previousRevokeRemarks?: string;
-  previousRevokedBy?: string;
-  previousRevokedOn?: string;
-  resolutionNo?: string;
-  resolutionDate?: string;
-  /** What the sender had verified at the moment of sending -- what the approver reviews. */
-  checklist?: { label: string; ok: boolean }[];
-  /** What the approver ticked as checked herself/himself before approving. */
-  checkerChecklist?: { label: string; ok: boolean }[];
-  decidedBy?: string;
-  decidedOn?: string;
-}
-
 export interface LoanApplication {
-  approvalRequests?: Partial<Record<string, ApprovalRequest>>;
-  depositSelection?: DepositSelection;
-  lien?: LienRecord;
   /** Database row id, assigned on save. Uploaded files hang off this (documents are stored against
    *  the application's entity id), so it's absent only on an application not yet persisted. */
   id?: number;
@@ -426,13 +317,6 @@ export interface LoanApplication {
   guarantorClientId: number | null;
   guarantorName: string;
   guarantorHasShareAccount: boolean;
-  /** How many guarantors this application has to name, from the product it was raised on. Absent on an application raised
-   *  before products carried it, which keeps the officer's own Guarantor Required tick. */
-  guarantorsRequiredCount?: number;
-  /** Whether those guarantors have to hold a share account (be members), from the product. */
-  guarantorMustBeMember?: boolean;
-  /** The guarantors named so far (each a real, already-onboarded bank client). */
-  guarantors?: GuarantorEntry[];
 
   // "Reports Required" presented at Loan Committee, and the "Verification Checklist" run at Risk
   // Approval — kept as their own fields since ID/Address/Income/FI-Report are already covered by
@@ -452,22 +336,9 @@ export interface LoanApplication {
    *  is what actually gets quoted in the sanction letter later. */
   committeeResolutionNo: string;
   committeeResolutionDate: string;
-  /** What the loan is for, asked after KYC: the priority sector and weaker section decisions follow from it. */
-  loanPurpose?: string;
-  /** The officer's priority sector decision ('yes' | 'no'); the product's own setting is only the starting point. */
-  pslClassified?: string;
-  /** Priority sector lending category (RBI Master Directions para 5); one only, set when classified as priority sector. */
-  prioritySectorCategory?: string;
-  /** Why the decision differs from the product's priority sector setting. */
-  pslOverrideReason?: string;
-  /** Weaker section ('yes' | 'no') and its type (RBI Master Directions para 17.1). */
-  weakerSection?: string;
-  weakerSectionType?: string;
   riskApproval: ApprovalRecord;
   legalApproval: ApprovalRecord;
   postCheckApproval: ApprovalRecord;
-  /** The approval of the loan account's disbursement (asked at the Disbursement stage; absent until approved). */
-  disbursementApproval?: ApprovalRecord;
 
   // Legal / documentation
   feesAndAccountOpened: boolean;
@@ -580,176 +451,7 @@ interface OriginationProduct {
   /** Minimum Share Capital the borrower must hold, as a % of the loan amount, per bank bye-laws
    *  (a UCB norm -- membership/share-linkage against borrowing, distinct from margin/collateral). */
   shareLinkagePercent: number;
-  /** Loan against a deposit: the share of the deposit value that can be lent (policy 9.5.5: 85%). */
-  ltvPct?: number;
-  /** Loan against a deposit: percentage points added to the deposit's own rate. */
-  spread?: number;
-  /** Loan against a deposit: when the lien is marked, as set on the product ("disbursement" or "sanction"). */
-  lienStage?: string;
-  lienRequired?: boolean;
-  /** What the eligible amount is calculated on: "balance_accrued" (balance + accrued interest) or "balance". */
-  eligibleBasis?: string;
-  /** "deposit_spread" = the deposit's own rate plus the spread; anything else uses the product's own rate. */
-  interestBasis?: string;
-  /** The product's own interest rate (used when the rate is not "deposit rate + spread"). */
-  baseRate?: number;
-  /** The deposit product(s) a loan is lent against, as named on the loan product (Product Creation > Security & Lien). */
-  eligibleDepositProducts?: string;
-  /** How many guarantors an application on this product has to name (Product Creation); absent on an older product. */
-  guarantorsRequired?: number;
-  guarantorMustBeMember?: boolean;
-  allowMultipleDeposits?: boolean;
-  allowThirdParty?: boolean;
-  /** The loan tenure may not run past the deposit's maturity. */
-  tenureWithinMaturity?: boolean;
-  certificateRequired?: boolean;
-  certificatePrefix?: string;
-  /** Terms shown on the loan plan of a deposit loan. */
-  penalRate?: number;
-  penalApplicable?: boolean;
-  repaymentType?: string;
-  interestPostingFrequency?: string;
-  facilityType?: string;
-  preclosure?: string;
-  renewalAllowed?: boolean;
-  /** The product was created as priority sector lending (Product Creation): the sanction names the category. */
-  prioritySector?: boolean;
 }
-
-/** RBI's priority sector lending categories. */
-export const PRIORITY_SECTOR_CATEGORIES = [
-  'Agriculture',
-  'Micro, Small and Medium Enterprises',
-  'Export Credit',
-  'Education',
-  'Housing',
-  'Social Infrastructure',
-  'Renewable Energy',
-  'Others'
-];
-/** Weaker section types (RBI Master Directions on PSL, para 17.1): the fallback when the Code "WeakerSectionType" cannot be read. */
-export const WEAKER_SECTION_TYPES = [
-  'Small and Marginal Farmers',
-  'Artisans, village and cottage industries (individual credit limit up to ₹2 lakh)',
-  'Beneficiaries of Government Sponsored Schemes (NRLM, SRMS)',
-  'Scheduled Castes and Scheduled Tribes',
-  'Beneficiaries of Differential Rate of Interest (DRI) scheme',
-  'Self Help Groups / Joint Liability Groups',
-  'Individuals and members of SHGs/JLGs availing microfinance loans',
-  'Individual women beneficiaries (up to ₹2 lakh)',
-  'Distressed farmers indebted to non-institutional lenders',
-  'Distressed persons other than farmers (up to ₹1 lakh)',
-  'Persons with disabilities',
-  'Transgenders',
-  'Minority communities notified by Government of India'
-];
-
-/** Proof an officer can attach for a priority sector classification, by category. */
-export const PSL_DOCUMENT_TYPES: Record<string, string[]> = {
-  Agriculture: [
-    'Land record (7/12, Khata, Patta)',
-    'Crop / cultivation details',
-    'Kisan Credit Card',
-    'Tenancy / lease agreement',
-    'Allied activity licence (dairy, fisheries, poultry)',
-    'Project report / quotation'
-  ],
-  'Micro, Small and Medium Enterprises': [
-    'Udyam Registration Certificate',
-    'GST registration',
-    'Shop & Establishment / trade licence',
-    'Project report / quotation',
-    'Latest ITR / financial statements'
-  ],
-  'Export Credit': [
-    'Export order / Letter of credit',
-    'Import Export Code (IEC)',
-    'Shipping bill / invoice'
-  ],
-  Education: [
-    'Admission letter',
-    'Fee structure',
-    'Marksheet of the last exam'
-  ],
-  Housing: [
-    'Sale agreement / allotment letter',
-    'Property title documents',
-    'Cost estimate / approved plan',
-    'Property tax receipt (for repairs)'
-  ],
-  'Social Infrastructure': [
-    'School / hospital registration',
-    'Project report and approvals',
-    'Land / building documents'
-  ],
-  'Renewable Energy': [
-    'Project report',
-    'Vendor quotation',
-    'DISCOM / MNRE approval'
-  ],
-  Others: [
-    'Self Help Group registration / resolution',
-    'Start-up recognition (DPIIT)',
-    'Debt statement (distressed person)',
-    'Project report'
-  ]
-};
-
-/** Offered for every category and for the weaker section proof. */
-export const PSL_OTHER_DOCUMENT = 'Other supporting document';
-
-/** Proof of the weaker section the borrower belongs to. */
-export const WEAKER_SECTION_DOCUMENT_TYPES = [
-  'Caste certificate (SC/ST)',
-  'Disability certificate / UDID',
-  'Minority community proof',
-  'Landholding record (small / marginal farmer)',
-  'SHG / JLG registration',
-  'Government scheme beneficiary certificate (NRLM, SRMS, DRI)',
-  'Artisan card / village industry registration',
-  'Debt statement (distressed farmer / person)',
-  'Aadhaar (women / transgender beneficiary)',
-  PSL_OTHER_DOCUMENT
-];
-
-/** Short names of the loans against a deposit or policy (FD, RD, DDS, LIC): the deposit is the security, so income
- *  proof, bank statement, address proof and a co-borrower are optional and there is no credit bureau check. */
-export const DEPOSIT_PRODUCT_CODES = [
-  'FD',
-  'RD',
-  'DS',
-  'LI'
-];
-
-/** A loan against a LIC policy: the security is a policy recorded on the application, not a deposit account. */
-export function isLicLoanCode(productCode: string | undefined | null): boolean {
-  return productCode === 'LI' || (!!productCode && licProductCodes.has(productCode));
-}
-
-/**
- * Short names of saved products whose Product Creation sub type is a deposit or policy (fd, rd, dds, lic). Filled by
- * registerOriginationProduct, so a product made later under any short name (a second FD product) is also a loan
- * against a deposit; the fixed codes above stay as the answer for the original products.
- */
-const depositSubTypeCodes = new Set<string>();
-const licProductCodes = new Set<string>();
-const depositKindBySubType: Record<string, string> = { fd: 'FD', rd: 'RD', dds: 'DS', lic: 'LI' };
-const depositKindByCode = new Map<string, string>();
-
-/**
- * The kind of deposit a product is a loan against, as the original short name of that kind: 'FD', 'RD', 'DS' (daily
- * deposit scheme) or 'LI' (LIC policy). A product made later under another short name answers by its sub type, so
- * screens that tell the kinds apart treat it like the original; any other product gets its own code back.
- */
-export function depositKindCode(productCode: string | undefined | null): string {
-  const code = productCode ?? '';
-  return DEPOSIT_PRODUCT_CODES.includes(code) ? code : (depositKindByCode.get(code) ?? code);
-}
-
-export function isDepositLoanCode(productCode: string | undefined | null): boolean {
-  return !!productCode && (DEPOSIT_PRODUCT_CODES.includes(productCode) || depositSubTypeCodes.has(productCode));
-}
-
 export const ORIGINATION_PRODUCTS: OriginationProduct[] = [
   {
     code: 'PL',
@@ -884,53 +586,6 @@ interface ProductDocumentTemplate {
  *  encumbering that asset has to be collected before the loan can be sanctioned, on top of the
  *  borrower's own identity/income proof. */
 export const PRODUCT_DOCUMENT_REQUIREMENTS: Record<string, ProductDocumentTemplate[]> = {
-  FD: [
-    {
-      key: 'fdReceipt',
-      label: 'FD receipt — original, discharged on the back',
-      hint: 'Signed by the depositor'
-    },
-    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' },
-    {
-      key: 'letterOfContinuity',
-      label: 'Letter of continuity',
-      hint: 'Liability and security continue until the loan is repaid'
-    }
-  ],
-  RD: [
-    { key: 'rdPassbook', label: 'RD passbook', hint: 'Kept by the bank' },
-    {
-      key: 'adjustDeclaration',
-      label: 'Declaration: bank may adjust the loan on RD maturity',
-      hint: 'Bank may adjust the loan from the deposit on maturity'
-    },
-    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' },
-    {
-      key: 'letterOfContinuity',
-      label: 'Letter of continuity',
-      hint: 'Liability and security continue until the loan is repaid'
-    }
-  ],
-  DS: [
-    { key: 'ddsPassbook', label: 'DDS passbook', hint: 'Kept by the bank' },
-    {
-      key: 'adjustDeclaration',
-      label: 'Declaration: bank may adjust the loan on DDS maturity',
-      hint: 'Bank may adjust the loan from the deposit on maturity'
-    },
-    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' },
-    {
-      key: 'letterOfContinuity',
-      label: 'Letter of continuity',
-      hint: 'Liability and security continue until the loan is repaid'
-    }
-  ],
-  LI: [
-    { key: 'licPolicyBond', label: 'Original LIC policy bond', hint: 'Kept by the bank' },
-    { key: 'licAssignment', label: 'Assignment deed in favour of the bank', hint: 'Registered with the LIC branch' },
-    { key: 'licSurrenderLetter', label: 'LIC surrender value letter', hint: 'Not older than 1 month' },
-    { key: 'dpNote', label: 'Demand promissory note (DP Note)', hint: 'Promise to repay on demand' }
-  ],
   HL: [
     { key: 'propertyTaxReceipt', label: 'Property Tax Receipt' },
     { key: 'propertyRegistration', label: 'Property Registration Document (Sale Deed)' },
@@ -981,100 +636,15 @@ export function buildProductDocuments(productCode: string): ProductDocumentEntry
   return (PRODUCT_DOCUMENT_REQUIREMENTS[productCode] ?? []).map((doc) => ({ ...doc, custom: false, submitted: false }));
 }
 
-/**
- * Makes a product saved in Product Creation usable by the application screens: the detail page, the eligibility
- * check and the Fineract bridge all look a product up by its code in ORIGINATION_PRODUCTS, so a saved product is
- * registered there under its Short Name (replacing an earlier registration of the same code).
- */
-export function registerOriginationProduct(p: any): OriginationProduct {
-  const ext = p?.advanceExtensions ?? {};
-  const shortName = String(p.shortName);
-  if ([
-      'fd',
-      'rd',
-      'dds',
-      'lic'
-    ].includes(ext.productTypeSubGroup)) {
-    depositSubTypeCodes.add(shortName);
-    depositKindByCode.set(shortName, depositKindBySubType[ext.productTypeSubGroup]);
-  } else {
-    depositSubTypeCodes.delete(shortName);
-    depositKindByCode.delete(shortName);
-  }
-  if (ext.productTypeSubGroup === 'lic') {
-    licProductCodes.add(shortName);
-  } else {
-    licProductCodes.delete(shortName);
-  }
-  const inMonths = !p?.repaymentFrequencyType?.value || p.repaymentFrequencyType.value === 'Months';
-  const rate = Number(p?.interestRatePerPeriod ?? 0);
-  const entry: OriginationProduct = {
-    code: String(p.shortName),
-    name: String(p.name).replace(/\s+/g, ' ').trim(),
-    secured: !isDepositLoanCode(String(p.shortName)) && (ext.productTypeGroup === 'advances' || !!ext.securityType),
-    minAmt: Number(p?.minPrincipal ?? p?.principal ?? 0),
-    maxAmt: Number(p?.maxPrincipal ?? p?.principal ?? 0),
-    minRate: Number(p?.minInterestRatePerPeriod ?? rate),
-    maxRate: Number(p?.maxInterestRatePerPeriod ?? rate),
-    minTenure: Number(inMonths ? (p?.minNumberOfRepayments ?? p?.numberOfRepayments ?? 1) : 1),
-    maxTenure: Number(inMonths ? (p?.maxNumberOfRepayments ?? p?.numberOfRepayments ?? 360) : 360),
-    incomeMultiplier: 20,
-    shareLinkagePercent: 5,
-    ltvPct: Number(ext.ltv ?? 85),
-    spread: Number(ext.spread ?? 0),
-    lienStage: String(ext.lienMarkingStage ?? 'disbursement'),
-    lienRequired: ext.lienRequired !== false,
-    eligibleBasis: String(ext.eligibleAmountBasis ?? 'balance_accrued'),
-    interestBasis: String(ext.interestBasis ?? 'deposit_spread'),
-    baseRate: rate,
-    eligibleDepositProducts: ext.eligibleDepositProducts ? String(ext.eligibleDepositProducts) : undefined,
-    guarantorsRequired:
-      ext.guarantorsRequired === undefined || ext.guarantorsRequired === null || ext.guarantorsRequired === ''
-        ? undefined
-        : Number(ext.guarantorsRequired),
-    guarantorMustBeMember: ext.guarantorMustBeMember === undefined ? undefined : ext.guarantorMustBeMember === true,
-    allowMultipleDeposits: ext.lienAllowMultipleDeposits === true,
-    allowThirdParty: ext.lienAllowThirdParty === true,
-    tenureWithinMaturity: ext.lienTenureNotExceedMaturity !== false,
-    certificateRequired: ext.lienCertificateRequired !== false && ext.lienCertificateRequired !== 'NO',
-    certificatePrefix: ext.lienCertificatePrefix ? String(ext.lienCertificatePrefix) : undefined,
-    penalRate: Number(ext.penalRate ?? 0),
-    penalApplicable: ext.penalApplicable === true,
-    repaymentType: String(ext.repaymentType ?? 'bullet'),
-    interestPostingFrequency: String(ext.interestPostingFrequency ?? 'Monthly'),
-    facilityType: String(ext.facilityType ?? 'demand'),
-    preclosure: String(ext.preclosureAllowed ?? 'anytime'),
-    renewalAllowed: ext.renewalAllowed === true,
-    prioritySector: String(ext.prioritySector ?? '').toLowerCase() === 'yes'
-  };
-  const at = ORIGINATION_PRODUCTS.findIndex((x) => x.code === entry.code);
-  if (at >= 0) {
-    ORIGINATION_PRODUCTS[at] = entry;
-  } else {
-    ORIGINATION_PRODUCTS.push(entry);
-  }
-  return entry;
-}
-
 /** What Legal Approval actually collects proof of -- the executed agreement, the stamp duty paid
  *  on it, and (for a secured product) the mortgage/title paperwork -- same "Add More Doc" pattern
  *  as the product-specific documents above, since a specific matter can always need one more
  *  paper (a second mortgagor's consent letter, a court NOC, etc.) than this starter list expects. */
-export function buildLegalDocuments(secured: boolean, depositLoan = false): ProductDocumentEntry[] {
-  if (depositLoan) {
-    // The DP Note, letter of continuity, deposit receipt and letter of lien were collected earlier (KYC & Documents and
-    // Lien Marking); only what is new at the legal stage is asked here. No mortgage, title or legal opinion: the security is a deposit.
-    return [
-      {
-        key: 'stampDutyReceipt',
-        label: 'Stamp duty / revenue stamp receipt (on the DP Note and agreement)'
-      }
-    ].map((doc) => ({ ...doc, custom: false, submitted: false }));
-  }
+export function buildLegalDocuments(secured: boolean): ProductDocumentEntry[] {
   const templates: ProductDocumentTemplate[] = [
     { key: 'loanAgreement', label: 'Loan Agreement (Registered/Notarized)' },
     { key: 'stampDutyReceipt', label: 'Legal Stamp Paper / Stamp Duty Receipt' },
-    { key: 'feeReceipt', label: 'Processing Fee Receipt' }
+    { key: 'feeReceipt', label: 'Fee & Account Opening Receipt' }
   ];
   if (secured) {
     templates.push(
@@ -1222,11 +792,7 @@ export function progressPct(app: LoanApplication): number {
   if (app.overallStatus === 'DISBURSED') {
     return 100;
   }
-  const stages = stagesFor(app.productCode);
-  const at = stages.indexOf(app.currentStage);
-  return at >= 0
-    ? round(((at + 1) / stages.length) * 100)
-    : round(((stageIndex(app.currentStage) + 1) / STAGE_ORDER.length) * 100);
+  return round(((stageIndex(app.currentStage) + 1) / STAGE_ORDER.length) * 100);
 }
 
 export function stageBadgeClass(app: LoanApplication): string {
@@ -1970,19 +1536,6 @@ export function decideApproval(
   approverRole: string,
   remarks: string
 ): void {
-  if (decision === 'REVOKED') {
-    const req = app.approvalRequests?.[field];
-    if (req) {
-      req.status = 'REVOKED';
-      req.decidedBy = approverName;
-      req.decidedOn = todayDDMMYYYY();
-      req.remarks = remarks;
-      req.revokeRemarks = remarks;
-    }
-    delete app[field];
-    recordStageProgress(app, approverName, 'Returned for Rectification', remarks);
-    return;
-  }
   app[field] = { decision, approverName, approverRole, date: todayDDMMYYYY(), remarks };
   if (decision === 'REJECTED') {
     app.overallStatus = 'REJECTED';
@@ -2286,7 +1839,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
   const actionBy =
     input.channel === 'BC' ? input.bcAgentName : input.channel === 'SELF_APPLY' ? 'Customer (Digital)' : 'Branch Staff';
   return {
-    applicationNo: `LN${input.branchCode.replace(/^(OFF|BR)/, '').padStart(2, '0')}${input.productCode}${String(seq).padStart(6, '0')}`,
+    applicationNo: `LN${input.branchCode.slice(2)}${input.productCode}${String(seq).padStart(6, '0')}`,
     applicationDate: todayDDMMYYYY(),
     applicantName: input.applicantName,
     branchCode: input.branchCode,
@@ -2358,11 +1911,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     personalDiscussionDate: '—',
     declarationTaken: false,
     declarationDate: '—',
-    // What the product asks for; an older product that does not say leaves it to the officer's own tick at Risk Approval.
-    guarantorRequired: (ORIGINATION_PRODUCTS.find((p) => p.code === input.productCode)?.guarantorsRequired ?? 0) > 0,
-    guarantorsRequiredCount: ORIGINATION_PRODUCTS.find((p) => p.code === input.productCode)?.guarantorsRequired,
-    guarantorMustBeMember: ORIGINATION_PRODUCTS.find((p) => p.code === input.productCode)?.guarantorMustBeMember,
-    guarantors: [],
+    guarantorRequired: false,
     guarantorClientId: null,
     guarantorName: '—',
     guarantorHasShareAccount: false,
@@ -2383,7 +1932,7 @@ export function createApplication(input: NewApplicationInput, seq: number): Loan
     legalStampDone: false,
     fileFilingDone: false,
     agreementSigningSlot: '—',
-    legalDocuments: buildLegalDocuments(input.secured, isDepositLoanCode(input.productCode)),
+    legalDocuments: buildLegalDocuments(input.secured),
     customerSigningDate: '—',
     chequeReceived: false,
     achSigned: false,

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

@@ -430,18 +430,14 @@
 // one long stacked column, so a 6-7 item checklist reads as a glanceable board, not a scroll.
 .loi-kyc-doc-grid {
   display: grid;
-  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
+  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
   gap: 10px;
-  align-items: start;
   margin-bottom: 10px;
 }
 
 .loi-kyc-card {
   display: flex;
   flex-direction: column;
-  justify-content: flex-start;
-  align-self: start;
-  height: auto;
   gap: 6px;
   padding: 10px 12px;
   border: 1px solid #e2e8f0;
@@ -869,16 +865,6 @@
   }
 }
 
-.loi-legal-doc-thumb-remove.loi-bank-remove {
-  height: 34px;
-  padding: 0 14px;
-  border: 1px solid #fecaca;
-  border-radius: 999px;
-  background: #fef2f2;
-  color: #dc2626;
-  font-weight: 700;
-}
-
 // CIC Credit Bureau Hero Card in Stage detail
 .loi-cic-hero-card {
   display: flex;
@@ -992,212 +978,3 @@
     font-weight: 600;
   }
 }
-
-.loi-optional-tag {
-  font-weight: 600;
-  text-transform: none;
-  letter-spacing: 0;
-  color: #0369a1;
-}
-
-.loi-deposit-note {
-  margin-bottom: 14px;
-  padding: 10px 14px;
-  border: 1px solid #bae6fd;
-  border-radius: 8px;
-  background: #f0f9ff;
-  color: #075985;
-  font-size: 13px;
-  line-height: 1.5;
-}
-
-.loi-dep-wrap {
-  overflow-x: auto;
-  border: 1px solid #e2e8f0;
-  border-radius: 10px;
-  background: #fff;
-}
-
-.loi-dep-table {
-  width: 100%;
-  border-collapse: collapse;
-
-  th {
-    padding: 10px 12px;
-    text-align: left;
-    font-size: 11px;
-    font-weight: 700;
-    letter-spacing: 0.05em;
-    text-transform: uppercase;
-    color: #64748b;
-    background: #f8fafc;
-    border-bottom: 1px solid #e2e8f0;
-    white-space: nowrap;
-  }
-
-  td {
-    padding: 10px 12px;
-    font-size: 13.5px;
-    border-bottom: 1px solid #f1f5f9;
-  }
-
-  .r {
-    text-align: right;
-    font-variant-numeric: tabular-nums;
-  }
-
-  tr.loi-dep-selected td {
-    background: #eef2ff;
-  }
-
-  tr.loi-dep-disabled td {
-    color: #94a3b8;
-  }
-}
-
-.loi-dep-calc {
-  display: flex;
-  flex-direction: column;
-  gap: 8px;
-  padding: 14px 16px;
-  margin: 12px 0;
-  border: 1px solid #e2e8f0;
-  border-radius: 10px;
-  background: #fff;
-}
-
-.loi-dep-row {
-  display: flex;
-  justify-content: space-between;
-  gap: 12px;
-  font-size: 13.5px;
-  color: #334155;
-
-  b {
-    font-variant-numeric: tabular-nums;
-    color: #0f172a;
-  }
-}
-
-.loi-dep-total {
-  padding-top: 10px;
-  border-top: 1px dashed #cbd5e1;
-  font-size: 15px;
-
-  b {
-    color: #15803d;
-    font-size: 16px;
-  }
-}
-
-.loi-dep-fields {
-  display: grid;
-  grid-template-columns: repeat(3, minmax(0, 1fr));
-  gap: 14px;
-  margin-bottom: 10px;
-
-  @media (width <= 700px) {
-    grid-template-columns: 1fr;
-  }
-}
-
-.loi-deposit-ok {
-  margin: 6px 0;
-  padding: 10px 14px;
-  border: 1px solid #bbf7d0;
-  border-radius: 8px;
-  background: #f0fdf4;
-  color: #15803d;
-  font-size: 13px;
-}
-
-.loi-lien-cert {
-  margin: 12px 0;
-  padding: 14px 18px;
-  border: 2px dashed #94a3b8;
-  border-radius: 10px;
-  background: #fffef7;
-  font-size: 13px;
-  line-height: 1.6;
-  color: #334155;
-}
-
-.pg-btn:disabled {
-  opacity: 0.45;
-  cursor: not-allowed;
-}
-
-.loi-approval-wait {
-  margin: 10px 0;
-  padding: 12px 14px;
-  border: 1px solid #fde68a;
-  border-radius: 8px;
-  background: #fffbeb;
-  color: #92400e;
-  font-size: 13px;
-  line-height: 1.5;
-}
-
-.loi-verified {
-  margin: 8px 0 12px;
-  padding: 12px 14px;
-  border: 1px solid #e2e8f0;
-  border-radius: 8px;
-  background: #fff;
-  font-size: 13px;
-  color: #334155;
-
-  ul {
-    margin: 6px 0 0;
-    padding-left: 0;
-    list-style: none;
-  }
-
-  li {
-    padding: 2px 0;
-    color: #15803d;
-  }
-
-  .loi-verified--no {
-    color: #b91c1c;
-  }
-}
-
-.loi-locked {
-  pointer-events: none;
-  opacity: 0.75;
-}
-
-.loi-checker {
-  margin: 8px 0 12px;
-  padding: 12px 14px;
-  border: 1px solid #c7d2fe;
-  border-radius: 8px;
-  background: #eef2ff;
-  font-size: 13px;
-  color: #1e1b4b;
-}
-
-/* A stage sent for approval: files can still be opened (View), nothing can be added, replaced or removed. */
-.loi-docs-locked {
-  label.pg-btn,
-  .loi-legal-doc-thumb-remove,
-  .loi-doc-thumb-remove,
-  .loi-doc-remove,
-  .loi-custom-doc-input,
-  .loan-action-row {
-    display: none !important;
-  }
-}
-
-.loi-view-link {
-  margin-left: 8px;
-  padding: 2px 10px;
-  border: 1px solid #c7d2fe;
-  border-radius: 999px;
-  background: #eef2ff;
-  color: #3730a3;
-  font-size: 12px;
-  font-weight: 600;
-  cursor: pointer;
-}

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

@@ -8,38 +8,8 @@
 
 import { Injectable, inject } from '@angular/core';
 import { HttpClient } from '@angular/common/http';
-import { Observable, of } from 'rxjs';
-import { catchError, map, shareReplay, switchMap } from 'rxjs/operators';
-import {
-  BranchMaster,
-  LoanApplication,
-  PRIORITY_SECTOR_CATEGORIES,
-  WEAKER_SECTION_TYPES
-} from './loan-origination-data';
-
-/** The core banking loan account an application has been given, with where it stands. */
-export interface LoanAccountState {
-  id: number;
-  accountNo: string;
-  status: string;
-  pendingApproval: boolean;
-  /** Disbursed and running (the loan has money out). */
-  active: boolean;
-}
-
-/** What an opened loan account shows on the stages after signing. */
-export interface AccountOverview {
-  account: { label: string; value: string }[];
-  approval: { by: string; on: string; amount: string };
-  charges: { name: string; amount: string; when: string; added: boolean }[];
-  glAccounts: { label: string; value: string }[];
-  posting: string | null;
-}
-
-/** The code a branch carries on an application: the Fineract office it belongs to (office 1 is "OFF1"). */
-export function officeBranchCode(officeId: number | string): string {
-  return `OFF${officeId}`;
-}
+import { Observable } from 'rxjs';
+import { LoanApplication } from './loan-origination-data';
 
 /**
  * Persistence for the Loan Origination Pipeline, in two deliberately different shapes.
@@ -59,171 +29,6 @@ export class LoanOriginationService {
 
   private readonly baseUrl = '/loan-origination/applications';
 
-  private readonly codeLists = new Map<string, Observable<string[]>>();
-
-  /**
-   * The active values of a system Code (Admin > Codes), in their order. The built-in list is the fallback only when the
-   * Code cannot be read or has no values.
-   */
-  private codeNames(codeName: string, fallback: string[]): Observable<string[]> {
-    let list = this.codeLists.get(codeName);
-    if (!list) {
-      list = this.http.get<any[]>('/codes').pipe(
-        switchMap((codes) => {
-          const code = (codes ?? []).find((c) => c.name === codeName);
-          return code ? this.http.get<any[]>(`/codes/${code.id}/codevalues`) : of([] as any[]);
-        }),
-        map((values) =>
-          (values ?? [])
-            .filter((v) => v.active !== false && v.isActive !== false)
-            .sort((a, b) => (a.position ?? 0) - (b.position ?? 0))
-            .map((v) => String(v.name))
-        ),
-        map((names) => (names.length ? names : fallback)),
-        catchError(() => of(fallback)),
-        shareReplay(1)
-      );
-      this.codeLists.set(codeName, list);
-    }
-    return list;
-  }
-
-  /** The priority sector lending categories (Code "PrioritySectorCategory"). */
-  prioritySectorCategories(): Observable<string[]> {
-    return this.codeNames('PrioritySectorCategory', PRIORITY_SECTOR_CATEGORIES);
-  }
-
-  /** The weaker section types (Code "WeakerSectionType"). */
-  weakerSectionTypes(): Observable<string[]> {
-    return this.codeNames('WeakerSectionType', WEAKER_SECTION_TYPES);
-  }
-
-  /** One fixed or recurring deposit account with its balance, rate and maturity. */
-  getDepositAccount(kind: 'FD' | 'RD', accountId: number): Observable<any> {
-    return this.http.get(`/${kind === 'FD' ? 'fixeddepositaccounts' : 'recurringdepositaccounts'}/${accountId}`);
-  }
-
-  /** A customer's open Daily Deposit Scheme accounts (the bank's DDS module keeps these, not Fineract's deposit accounts). */
-  listDdsAccounts(clientId: number): Observable<any[]> {
-    return this.http
-      .get<any[]>('/dds/parties')
-      .pipe(map((parties) => (parties ?? []).filter((p) => p.clientId === clientId && p.status !== 'CLOSED')));
-  }
-
-  /**
-   * The core banking loan account opened for this application, if any. The account screen gives the loan the application
-   * number as its external id, so the two can be matched; null when no account has been created.
-   */
-  loanForApplication(applicationNo: string): Observable<LoanAccountState | null> {
-    // A search, not /loans/external-id/{id}: that answers 404 when there is no account, which the app shows as an error popup.
-    return this.http.get<any>(`/loans?externalId=${encodeURIComponent(applicationNo)}&limit=1`).pipe(
-      map((result) => result?.pageItems?.[0]),
-      map((loan) =>
-        loan?.id
-          ? {
-              id: loan.id,
-              accountNo: loan.accountNo,
-              status: loan.status?.value ?? '—',
-              pendingApproval: !!loan.status?.pendingApproval,
-              active: !!loan.status?.active
-            }
-          : null
-      ),
-      catchError(() => of(null))
-    );
-  }
-
-  /** Everything the Post-Disbursement / Disbursement stages show about the account that was opened for an application. */
-  loanAccountOverview(loanId: number): Observable<AccountOverview> {
-    return this.http.get<any>(`/loans/${loanId}?associations=charges`).pipe(
-      switchMap((loan) =>
-        this.http.get<any>(`/loanproducts/${loan.loanProductId}`).pipe(
-          catchError(() => of({})),
-          map((product) => {
-            const date = (v: any) =>
-              Array.isArray(v)
-                ? v
-                    .slice(0, 3)
-                    .reverse()
-                    .map((n: number) => String(n).padStart(2, '0'))
-                    .join('-')
-                : (v ?? '—');
-            const inr = (v: any) =>
-              v === null || v === undefined || v === '' ? '—' : '₹' + Number(v).toLocaleString('en-IN');
-            const txt = (v: any) => (v === null || v === undefined || v === '' ? '—' : String(v));
-            const productChargeIds = new Set<number>((product.charges ?? []).map((c: any) => c.id));
-            const gl = (account: any) => (account?.glCode ? account.glCode + ' · ' + account.name : '—');
-            const maps = product.accountingMappings ?? {};
-            const cash = product.accountingRule?.id === 2;
-            return {
-              account: [
-                { label: 'Account no.', value: txt(loan.accountNo) },
-                { label: 'Status', value: txt(loan.status?.value) },
-                { label: 'Product', value: txt(loan.loanProductName) },
-                { label: 'Customer', value: txt(loan.clientName) },
-                { label: 'Principal', value: inr(loan.principal) },
-                {
-                  label: 'Interest rate',
-                  value: loan.annualInterestRate !== undefined ? loan.annualInterestRate + '% p.a.' : '—'
-                },
-                {
-                  label: 'Term',
-                  value:
-                    loan.termFrequency !== undefined
-                      ? loan.termFrequency + ' ' + (loan.termPeriodFrequencyType?.value ?? '')
-                      : '—'
-                },
-                { label: 'Purpose', value: txt(loan.loanPurposeName) },
-                { label: 'Submitted on', value: date(loan.timeline?.submittedOnDate) },
-                { label: 'Expected disbursement', value: date(loan.timeline?.expectedDisbursementDate) }
-              ],
-              approval: {
-                by: txt(loan.timeline?.approvedByUsername),
-                on: date(loan.timeline?.approvedOnDate),
-                amount: inr(loan.approvedPrincipal)
-              },
-              charges: (loan.charges ?? []).map((c: any) => ({
-                name: c.name as string,
-                amount: inr(c.amount),
-                when: (c.chargeTimeType?.value ?? '—') as string,
-                added: !productChargeIds.has(c.chargeId)
-              })),
-              glAccounts: [
-                { label: 'Fund source (paid out on disbursement)', value: gl(maps.fundSourceAccount) },
-                { label: "Loan portfolio (the customer's loan account)", value: gl(maps.loanPortfolioAccount) },
-                { label: 'Interest income', value: gl(maps.interestOnLoanAccount) },
-                { label: 'Fee income', value: gl(maps.incomeFromFeeAccount) },
-                { label: 'Penalty income', value: gl(maps.incomeFromPenaltyAccount) },
-                { label: 'Overpayment liability', value: gl(maps.overpaymentLiabilityAccount) },
-                { label: 'Write-off', value: gl(maps.writeOffAccount) }
-              ],
-              posting: cash
-                ? 'On disbursement: Debit ' +
-                  gl(maps.loanPortfolioAccount) +
-                  ' · Credit ' +
-                  gl(maps.fundSourceAccount) +
-                  ' · ' +
-                  inr(loan.principal)
-                : null
-            } as AccountOverview;
-          })
-        )
-      )
-    );
-  }
-
-  /** The bank's real branches: every office of the organisation, in hierarchy order. */
-  listBranches(): Observable<BranchMaster[]> {
-    return this.http.get<{ id: number; name: string; hierarchy?: string }[]>('/offices').pipe(
-      map((offices) =>
-        (offices ?? [])
-          .slice()
-          .sort((a, b) => (a.hierarchy ?? '').localeCompare(b.hierarchy ?? '') || a.id - b.id)
-          .map((office) => ({ code: officeBranchCode(office.id), name: office.name }))
-      )
-    );
-  }
-
   list(): Observable<LoanApplication[]> {
     return this.http.get<LoanApplication[]>(this.baseUrl);
   }
@@ -262,10 +67,6 @@ export class LoanOriginationService {
     return this.http.post<LoanApplication>(`${this.baseUrl}/${encodeURIComponent(applicationNo)}/${path}`, body);
   }
 
-  completeDepositSelection(applicationNo: string, actionBy: string, remarks?: string): Observable<LoanApplication> {
-    return this.stage(applicationNo, 'deposit-selection-complete', { actionBy, remarks });
-  }
-
   completeKyc(applicationNo: string, actionBy: string, remarks?: string): Observable<LoanApplication> {
     return this.stage(applicationNo, 'kyc-complete', { actionBy, remarks });
   }
@@ -317,37 +118,17 @@ export class LoanOriginationService {
     applicationNo: string,
     field: string,
     body: {
-      decision: 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED' | 'REVOKED';
+      decision: 'APPROVED' | 'REJECTED' | 'EXCEPTION_APPROVED';
       approverName: string;
       approverRole: string;
       remarks?: string;
       resolutionNo?: string;
       resolutionDate?: string;
-      checkerChecklist?: { label: string; ok: boolean }[];
     }
   ): Observable<LoanApplication> {
     return this.stage(applicationNo, `approvals/${field}`, body);
   }
 
-  submitApproval(
-    applicationNo: string,
-    field: string,
-    body: {
-      decision: 'APPROVED' | 'EXCEPTION_APPROVED';
-      approverRole: string;
-      remarks?: string;
-      resolutionNo?: string;
-      resolutionDate?: string;
-      checklist?: { label: string; ok: boolean }[];
-    }
-  ): Observable<LoanApplication> {
-    return this.stage(applicationNo, `approvals/${field}/submit`, body);
-  }
-
-  withdrawApproval(applicationNo: string, field: string): Observable<LoanApplication> {
-    return this.stage(applicationNo, `approvals/${field}/withdraw`, {});
-  }
-
   markSigned(applicationNo: string, actionBy: string): Observable<LoanApplication> {
     return this.stage(applicationNo, 'signing', { actionBy });
   }

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

@@ -13,10 +13,9 @@ import { ActivatedRoute, Router, RouterModule } from '@angular/router';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
 import { ClientsService } from '../../clients/clients.service';
 import { ExportSheetSpec, exportWorkbook } from '../../cashier/cashier-export';
-import { LoanOriginationService, officeBranchCode } from '../loan-origination.service';
-import { LoanProductCatalogService } from '../../loans/services/loan-product-catalog.service';
-import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from '../../products/loan-products/loan-product-types';
+import { LoanOriginationService } from '../loan-origination.service';
 import {
+  BRANCHES,
   BranchMaster,
   branchTargetAmount,
   Channel,
@@ -26,10 +25,10 @@ import {
   generateSeedApplications,
   LoanApplication,
   ORIGINATION_PRODUCTS,
-  registerOriginationProduct,
   OriginationStage,
   OverallStatus,
   PRODUCT_TARGET_PCT,
+  PRODUCT_TYPE_LABELS,
   ProductType,
   SHARE_LINKAGE_SLABS,
   STAGE_LABELS,
@@ -37,7 +36,9 @@ import {
   STATUS_LABELS,
   TARGET_STATUS_LABELS,
   TargetStatus,
+  allowedProductTypes,
   createApplication,
+  defaultProductType,
   progressPct,
   stageBadgeClass,
   targetStatus,
@@ -109,8 +110,7 @@ type ViewId = 'pipeline' | 'new' | 'channel' | 'bc' | 'share' | 'target' | 'rate
     '../../cashier/cashier-shared.scss',
     '../../investment/investment-shared.scss',
     '../../npa/npa-shared.scss',
-    '../loan-origination-shared.scss',
-    './loan-pipeline.component.scss'
+    '../loan-origination-shared.scss'
   ],
   standalone: true,
   imports: [
@@ -124,12 +124,7 @@ export class LoanPipelineComponent implements OnInit {
   readonly stageLabels = STAGE_LABELS;
   readonly statusLabels = STATUS_LABELS;
   readonly channelLabels = CHANNEL_LABELS;
-  /** The bank's offices (real). Until they load, the logged-in user's own office is the only choice. */
-  branches: BranchMaster[] = [];
-  /** Active products saved in Product Creation -- the only products an application can be taken for. */
-  dbProducts: any[] = [];
-  loadingProducts = true;
-  readonly productGroups = PRODUCT_TYPE_GROUPS;
+  readonly branches = BRANCHES;
   readonly products = ORIGINATION_PRODUCTS;
   readonly shareLinkageSlabs = SHARE_LINKAGE_SLABS;
   asOnDate = todayDDMMYYYY();
@@ -157,63 +152,26 @@ export class LoanPipelineComponent implements OnInit {
     customerType: 'NEW' as CustomerType,
     applicantName: '',
     clientId: null as number | null,
-    branchCode: '',
-    productGroup: '',
-    productSubType: '',
-    productCode: '',
-    productType: 'TERM_LOAN' as ProductType,
+    branchCode: this.branches[0].code,
+    productCode: this.products[0].code,
+    productType: defaultProductType(this.products[0].code),
     requestedAmount: null as number | null,
     tenureMonths: null as number | null
   };
 
-  /** Sub types of the chosen Product Type that actually have an active product saved. */
-  get subTypeOptions() {
-    const group = this.newApp.productGroup;
-    return (PRODUCT_SUB_TYPES[group] ?? []).filter((t) =>
-      this.dbProducts.some(
-        (p) => p.advanceExtensions?.productTypeGroup === group && p.advanceExtensions?.productTypeSubGroup === t.id
-      )
-    );
+  readonly productTypeLabels = PRODUCT_TYPE_LABELS;
+
+  /** Which Product Types the currently-selected product can be sanctioned as -- Cash Credit/KCC
+   *  are Overdraft-only, Gold Loan offers both, everything else is Term Loan-only. */
+  get newAppProductTypeOptions(): ProductType[] {
+    return allowedProductTypes(this.newApp.productCode);
   }
 
-  /** The products saved in the database for the chosen Product Type and Sub Type. */
-  get productOptions(): any[] {
-    return this.dbProducts.filter(
-      (p) =>
-        p.advanceExtensions?.productTypeGroup === this.newApp.productGroup &&
-        p.advanceExtensions?.productTypeSubGroup === this.newApp.productSubType
-    );
-  }
-
-  /** Only the tenures the chosen product allows (its min to max, in months). */
-  get tenureOptions(): number[] {
-    const p = this.selectedProduct;
-    if (!p) {
-      return [];
-    }
-    return Array.from({ length: Math.max(0, p.maxTenure - p.minTenure + 1) }, (_, i) => p.minTenure + i);
-  }
-
-  get selectedProduct() {
-    return this.products.find((p) => p.code === this.newApp.productCode) || null;
-  }
-
-  onProductGroupChange(): void {
-    this.newApp.productSubType = '';
-    this.newApp.productCode = '';
-  }
-
-  onSubTypeChange(): void {
-    const options = this.productOptions;
-    this.newApp.productCode = options.length === 1 ? options[0].shortName : '';
-    this.onProductChange();
-  }
-
-  /** Advances have no EMI (revolving limit); Loans are EMI term loans. */
+  /** Switching Product can change which Product Types are even valid -- reset to that product's
+   *  default rather than leaving a stale selection (e.g. "Overdraft" left over from Gold Loan)
+   *  on a product that doesn't offer it. */
   onProductChange(): void {
-    this.newApp.productType = this.newApp.productGroup === 'advances' ? 'OVERDRAFT' : 'TERM_LOAN';
-    const product = this.selectedProduct;
-    this.newApp.tenureMonths = product ? product.minTenure : null;
+    this.newApp.productType = defaultProductType(this.newApp.productCode);
   }
 
   /** Existing-customer search (real Fineract clients, unlike the rest of this mock pipeline). */
@@ -231,7 +189,6 @@ export class LoanPipelineComponent implements OnInit {
   private readonly auth = inject(AuthenticationService);
   private readonly clientsService = inject(ClientsService);
   private readonly originationService = inject(LoanOriginationService);
-  private readonly catalog = inject(LoanProductCatalogService);
 
   /** The live book, loaded from the database. Every count, report and filter on this screen derives
    *  from this one array, so the list can never disagree with what an application actually says. */
@@ -264,27 +221,17 @@ export class LoanPipelineComponent implements OnInit {
     const creds = this.auth.getCredentials();
     this.isHeadOffice = this.auth.isHeadOfficeUser();
     this.currentOfficeName = creds?.officeName || 'Branch Office';
-    this.ownBranchCode = creds?.officeId ? officeBranchCode(creds.officeId) : null;
-    // The logged-in user's own office is the default branch. A branch-level login can only originate for its own branch:
-    // the select is disabled and `saveNewApplication` forces the code again, so it is locked here and not just hidden.
-    this.branches = this.ownBranchCode ? [{ code: this.ownBranchCode, name: this.currentOfficeName }] : [];
-    this.branchFilter = this.isHeadOffice ? '' : this.ownBranchCode || '';
-    this.newApp.branchCode = this.ownBranchCode || '';
-    this.catalog.activeProducts().subscribe((products) => {
-      this.dbProducts = products.filter((p) => p.shortName && p.advanceExtensions?.productTypeGroup);
-      this.dbProducts.forEach((p) => registerOriginationProduct(p));
-      this.loadingProducts = false;
-    });
-    this.originationService.listBranches().subscribe({
-      next: (offices) => {
-        if (offices.length > 0) {
-          this.branches = offices;
-        }
-      },
-      error: () => {
-        /* keep the user's own office as the only choice */
-      }
-    });
+    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;
+    }
 
     this.loadApplications();
   }
@@ -363,42 +310,6 @@ export class LoanPipelineComponent implements OnInit {
     return this.branchFilter ? this.applications.filter((a) => a.branchCode === this.branchFilter) : this.applications;
   }
 
-  private get currentUserName(): string {
-    return (this.auth.getCredentials()?.username ?? '').toLowerCase();
-  }
-
-  /** Applications with an approval sent and waiting for a decision (maker-checker), newest first. */
-  get awaitingApproval() {
-    const rows: {
-      app: LoanApplication;
-      stage: string;
-      sentBy: string;
-      sentOn: string;
-      mine: boolean;
-      exception: boolean;
-    }[] = [];
-    this.applications.forEach((app) => {
-      Object.entries(app.approvalRequests ?? {}).forEach(
-        ([
-          ,
-          request
-        ]) => {
-          if (request && request.status === 'PENDING') {
-            rows.push({
-              app,
-              stage: STAGE_LABELS[app.currentStage],
-              sentBy: request.submittedBy,
-              sentOn: request.submittedOn,
-              mine: (request.submittedBy ?? '').toLowerCase() === this.currentUserName,
-              exception: request.requestedDecision === 'EXCEPTION_APPROVED'
-            });
-          }
-        }
-      );
-    });
-    return rows;
-  }
-
   get filteredApplications(): LoanApplication[] {
     return this.scopedApplications.filter((a) => {
       if (this.channelFilter && a.channel !== this.channelFilter) {
@@ -632,7 +543,7 @@ export class LoanPipelineComponent implements OnInit {
 
   // -------------------- New Application intake --------------------
   productOf(code: string) {
-    return this.products.find((p) => p.code === code);
+    return this.products.find((p) => p.code === code) || this.products[0];
   }
 
   /** Switching Customer Type away from "Existing" drops any client picked under the old mode --
@@ -697,27 +608,8 @@ export class LoanPipelineComponent implements OnInit {
     if (!this.isHeadOffice && this.ownBranchCode) {
       this.newApp.branchCode = this.ownBranchCode;
     }
-    const branch = this.branches.find((b) => b.code === this.newApp.branchCode) ||
-      this.branches[0] || { code: this.newApp.branchCode, name: this.currentOfficeName };
+    const branch = this.branches.find((b) => b.code === this.newApp.branchCode) || this.branches[0];
     const product = this.productOf(this.newApp.productCode);
-    if (!product) {
-      this.toast('Select the Product Type, Sub Type and Product.');
-      return;
-    }
-    if (
-      this.newApp.requestedAmount &&
-      (this.newApp.requestedAmount < product.minAmt || this.newApp.requestedAmount > product.maxAmt)
-    ) {
-      this.toast(
-        `Amount must be between ₹${product.minAmt.toLocaleString('en-IN')} and ₹${product.maxAmt.toLocaleString('en-IN')} for ${product.name}.`
-      );
-      return;
-    }
-    const tenure = this.newApp.tenureMonths || product.minTenure;
-    if (tenure < product.minTenure || tenure > product.maxTenure) {
-      this.toast(`Tenure must be between ${product.minTenure} and ${product.maxTenure} months for ${product.name}.`);
-      return;
-    }
     const seq = this.applications.length + 20000;
     const app = createApplication(
       {
@@ -752,11 +644,9 @@ export class LoanPipelineComponent implements OnInit {
           customerType: 'NEW',
           applicantName: '',
           clientId: null,
-          branchCode: this.ownBranchCode || this.branches[0]?.code || '',
-          productGroup: '',
-          productSubType: '',
-          productCode: '',
-          productType: 'TERM_LOAN',
+          branchCode: this.isHeadOffice ? this.branches[0].code : this.ownBranchCode || this.branches[0].code,
+          productCode: this.products[0].code,
+          productType: defaultProductType(this.products[0].code),
           requestedAmount: null,
           tenureMonths: null
         };

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

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

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

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

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

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

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

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

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

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

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

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

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

@@ -7,218 +7,35 @@
 -->
 
 <form [formGroup]="loansAccountDetailsForm">
-  @if (losMode) {
-    <div class="layout-row-wrap layout-lt-md-column gap-2percent">
-      <mat-form-field class="flex-48">
-        <mat-label>Category</mat-label>
-        <input matInput [value]="losCategoryLabel" readonly />
-      </mat-form-field>
-      <mat-form-field class="flex-48">
-        <mat-label>Product type</mat-label>
-        <input matInput [value]="losTypeLabel" readonly />
-      </mat-form-field>
-    </div>
-    <div class="layout-row-wrap gap-2px responsive-column">
-      <mat-form-field class="flex-fill">
-        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-        <input matInput [value]="losProductName" readonly />
-      </mat-form-field>
-    </div>
-  }
-  @if (!losMode) {
-    <div class="layout-row-wrap layout-lt-md-column gap-2percent">
-      <mat-form-field class="flex-48">
-        <mat-label>Category</mat-label>
-        <mat-select
-          [value]="categoryFilter"
-          [disabled]="losMode"
-          (selectionChange)="categoryFilter = $event.value; onCategoryChange()"
-        >
-          <mat-option value="">All categories</mat-option>
-          @for (category of categories; track category.id) {
-            <mat-option [value]="category.id">{{ category.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-      <mat-form-field class="flex-48">
-        <mat-label>Product type</mat-label>
-        <mat-select
-          [value]="typeFilter"
-          [disabled]="losMode"
-          (selectionChange)="typeFilter = $event.value; applyProductFilters()"
-        >
-          <mat-option value="">All types</mat-option>
-          @for (type of typeOptions; track type.id) {
-            <mat-option [value]="type.id">{{ type.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-    </div>
-
-    <div class="layout-row-wrap gap-2px responsive-column">
-      <mat-form-field class="flex-fill">
-        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-        <mat-select
-          required
-          matTooltip="{{ 'tooltips.Name of the loan product' | translate }}"
-          formControlName="productId"
-        >
-          <mat-option>
-            <ngx-mat-select-search
-              placeholderLabel="{{ placeHolderLabel }}"
-              noEntriesFoundLabel="{{ noEntriesFoundLabel }}"
-              [formControl]="filterFormCtrl"
-            ></ngx-mat-select-search>
+  <div class="layout-row-wrap gap-2px responsive-column">
+    <mat-form-field class="flex-fill">
+      <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
+      <mat-select
+        required
+        matTooltip="{{ 'tooltips.Name of the loan product' | translate }}"
+        formControlName="productId"
+      >
+        <mat-option>
+          <ngx-mat-select-search
+            placeholderLabel="{{ placeHolderLabel }}"
+            noEntriesFoundLabel="{{ noEntriesFoundLabel }}"
+            [formControl]="filterFormCtrl"
+          ></ngx-mat-select-search>
+        </mat-option>
+        @for (product of productData | async; track product) {
+          <mat-option [value]="product.id">
+            {{ product.name }}
           </mat-option>
-          @for (product of productData | async; track product) {
-            <mat-option [value]="product.id">
-              {{ product.name }}
-            </mat-option>
-          }
-        </mat-select>
-        <mat-error>
-          {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
-          <strong>{{ 'labels.commons.required' | translate }}</strong>
-        </mat-error>
-      </mat-form-field>
-    </div>
-
-    <!-- The customer's Loan Origination applications that are ready for an account, narrowed by the category, type and product above. -->
-    <div class="layout-row-wrap gap-2px responsive-column">
-      <mat-form-field class="flex-fill">
-        <mat-label>Link to a Loan Origination application</mat-label>
-        <mat-select [disabled]="!losChoices.length" (selectionChange)="useLosApplication($event.value)">
-          @for (choice of losChoices; track choice.app.applicationNo) {
-            <mat-option [value]="choice.app.applicationNo">{{ choice.label }}</mat-option>
-          }
-        </mat-select>
-        <mat-hint>
-          @if (losChoices.length) {
-            Choosing one opens this screen for that application, with its product, customer and terms filled in.
-          } @else if (hasLosCandidates) {
-            No application at Customer Signing matches this category, type and product for this customer.
-          } @else {
-            This customer has no Loan Origination application at Customer Signing waiting for an account.
-          }
-        </mat-hint>
-      </mat-form-field>
-    </div>
-  }
-
-  @if (losMode) {
-    @if (losError) {
-      <p class="los-error">{{ losError }}</p>
-    }
-    @if (losApplication; as app) {
-      <div class="los-card">
-        <div class="los-card__head">
-          <strong>Loan Origination application</strong>
-          <a class="los-card__link" [routerLink]="['/loan-origination/application', app.applicationNo]">{{
-            app.applicationNo
-          }}</a>
-          <span class="los-card__chip">{{ app.currentStage }}</span>
-        </div>
-        <div class="los-card__grid">
-          <div>
-            <span class="los-card__label">Amount</span><span>₹{{ app.requestedAmount | number: '1.0-0' }}</span>
-          </div>
-          <div>
-            <span class="los-card__label">Tenure</span><span>{{ app.tenureMonths }} months</span>
-          </div>
-          <div>
-            <span class="los-card__label">Interest rate</span><span>{{ app.interestRate }}% p.a.</span>
-          </div>
-          <div>
-            <span class="los-card__label">Secured on</span
-            ><span>{{ app.depositSelection?.accountNos?.join(', ') || '—' }}</span>
-          </div>
-        </div>
-      </div>
-    }
-    @if (losCustomer; as c) {
-      <div class="los-customer">
-        <h3 class="mat-h3">Customer details</h3>
-        @if (c.missing) {
-          <p class="los-error">This application is not linked to a bank client yet.</p>
-        } @else {
-          <div class="los-customer__grid">
-            <div>
-              <span class="los-card__label">Client ID</span><span>{{ c.accountNo || c.clientId }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Name</span><span>{{ c.name }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Client type</span><span>{{ c.clientType || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Father's name</span><span>{{ c.fatherName || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Gender</span><span>{{ c.gender || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Date of birth</span><span>{{ c.dateOfBirth | date: 'dd-MM-yyyy' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Adult / Minor</span><span>{{ c.minor ? 'Minor' : 'Adult' }}</span>
-            </div>
-            <div class="los-customer__wide">
-              <span class="los-card__label">Address</span>
-              <span>
-                @if (c.address; as ad) {
-                  {{ ad.lines.join(', ') }}{{ ad.city ? ', ' + ad.city : '' }}{{ ad.district ? ', ' + ad.district : ''
-                  }}{{ ad.state ? ', ' + ad.state : '' }}{{ ad.pincode ? ' - ' + ad.pincode : '' }}
-                } @else {
-                  —
-                }
-              </span>
-            </div>
-            <div>
-              <span class="los-card__label">Mobile</span><span>{{ c.mobile || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Occupation</span><span>{{ c.occupation || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Nationality</span><span>{{ c.nationality || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Branch</span><span>{{ c.branch || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">PAN</span
-              ><span
-                >{{ c.pan || '—' }}
-                @if (c.pan) {
-                  ({{ c.panVerified ? 'verified' : 'not verified' }})
-                }
-              </span>
-            </div>
-            <div>
-              <span class="los-card__label">Aadhaar</span
-              ><span
-                >{{ c.aadhaar || '—' }}
-                @if (c.aadhaar) {
-                  ({{ c.aadhaarVerified ? 'verified' : 'not verified' }})
-                }
-              </span>
-            </div>
-            <div>
-              <span class="los-card__label">KYC status</span><span>{{ c.kycStatus || '—' }}</span>
-            </div>
-            <div>
-              <span class="los-card__label">Risk</span><span>{{ c.risk || '—' }}</span>
-            </div>
-          </div>
         }
-      </div>
-    }
-  } @else {
-    <mifosx-loan-product-template-card [product]="selectedProduct"></mifosx-loan-product-template-card>
-  }
+      </mat-select>
+      <mat-error>
+        {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
+        <strong>{{ 'labels.commons.required' | translate }}</strong>
+      </mat-error>
+    </mat-form-field>
+  </div>
 
-  @if (loanProductSelected && !losMode) {
+  @if (loanProductSelected) {
     <div class="layout-row-wrap layout-lt-md-column gap-2percent">
       <mat-form-field class="flex-48">
         <mat-label>{{ 'labels.inputs.External id' | translate }}</mat-label>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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