feat(loan-products): add loan interest rate register UI

- Add Loan Interest Rate Register screen with CIBIL adjustment and edit-register views, backed by rate-register service and model - Wire the new screen into products routing and the products menu - Update loan product details and advance limit/tenure steps Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>
feat(loan-products): add advance loan product stepper steps
2026-10-05 16:20:36 +05:30 · 2026-09-29 18:06:08 +05:30 · 2026-09-23 14:27:16 +05:30 · 2026-09-23 14:21:57 +05:30
41 changed files with 6198 additions and 1538 deletions
@@ -5804,13 +5804,21 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
      return;
    }

-    // Cashier deposit (savings/current/GL) → route through maker-checker (create PENDING request, no direct credit)
+    // Cashier deposit (savings/current/FD/RD/GL) → route through maker-checker (create PENDING request,
+    // no direct credit). FD and RD are their own account-type codes (see creditEntryAccountType()) and
+    // belong here just as much as a plain savings deposit -- a cashier crediting an FD/RD must not be
+    // able to move money in without a manager's approval either.
    // Use the dialog-confirmed amount — for cash that is the denomination total
    if (
      !this.isClerk &&
      !this.reviewMode &&
      isDeposit &&
-      (row.acTyp === 'SD' || row.acTyp === 'CA' || row.acTyp === 'CB' || row.acTyp === 'GL')
+      (row.acTyp === 'SD' ||
+        row.acTyp === 'CA' ||
+        row.acTyp === 'CB' ||
+        row.acTyp === 'FD' ||
+        row.acTyp === 'RD' ||
+        row.acTyp === 'GL')
    ) {
      this.submitCashierDepositRequest(row, this.confirmData?.amount ?? amount);
      return;
@@ -334,14 +334,18 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
    const frequencyId = this.resolveFrequencyId(this.tenurePeriodUnit);

    if (this.principalAmount && this.principalAmount > 0) {
-      // Convert tenure to months for backend API
-      let tenureInMonths = 0;
+      // Convert tenure to months for backend API. A Days tenure under 30 days rounds down to 0
+      // months, which the backend rejects -- send it as tenureInDays instead in that case.
+      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 {
+      } else if (enteredDays >= 30) {
        tenureInMonths = Math.floor(enteredDays / 30);
+      } else {
+        tenureInDays = enteredDays;
      }

      // Map compounding period type id → months (0=Daily, 1=Daily, 4=Monthly, 5=Quarterly, 6=SemiAnnual, 7=Annual)
@@ -395,6 +399,7 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
          principalAmount: this.principalAmount,
          annualInterestRate: rate,
          tenureInMonths,
+          tenureInDays,
          interestCompoundingPeriodInMonths: compMonths, // 0 = daily, now supported by backend
          interestPostingPeriodInMonths: postMonths,
          submittedOnDate: submittedOnDateStr,
@@ -417,7 +422,8 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
                Math.round(this.principalAmount * Math.pow(1 + r / daysInYearVal, enteredDays) * 100) / 100;
            } else {
              const n = 12 / compMonths;
-              const totalCompoundings = Math.floor(tenureInMonths / compMonths);
+              const effectiveMonths = tenureInMonths ?? enteredDays / 30;
+              const totalCompoundings = Math.floor(effectiveMonths / compMonths);
              const rPerCompounding = rate / (n * 100);
              result.maturityAmount =
                Math.round(this.principalAmount * Math.pow(1 + rPerCompounding, totalCompoundings) * 100) / 100;
@@ -133,7 +133,8 @@ export class FixedDepositsService {
  calculateFixedDepositInterest(params: {
    principalAmount: number;
    annualInterestRate: number;
-    tenureInMonths: number;
+    tenureInMonths?: number;
+    tenureInDays?: number; // alternative to tenureInMonths, for sub-month FD Single tenures
    interestCompoundingPeriodInMonths: number;
    interestPostingPeriodInMonths: number;
    submittedOnDate?: string; // yyyy-MM-dd — enables exact calendar calculation
@@ -0,0 +1,166 @@
+<!--
+  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="ca" *ngIf="register">
+  <div class="ca__header">
+    <div class="ca__header-icon">CS</div>
+    <div class="ca__header-text">
+      <h2>CIBIL / credit score adjustment</h2>
+      <p>Applied on top of the chart rate at loan sanction · reused across all loan products linked to this register</p>
+    </div>
+    <button mat-stroked-button (click)="backToRegister()">← Back to register</button>
+  </div>
+
+  <div class="ca__body">
+    <div class="ca__left">
+      <div class="ca__card">
+        <div class="ca__card-head">
+          <div class="ca__card-title">Credit score slabs</div>
+          <button mat-stroked-button class="ca__dash-btn"><i class="fas fa-plus"></i> Add slab</button>
+        </div>
+        <table class="ca__table">
+          <thead>
+            <tr>
+              <th>#</th>
+              <th class="ca__num">Score from</th>
+              <th class="ca__num">Score to</th>
+              <th>Risk tier</th>
+              <th>Type</th>
+              <th class="ca__num">Adjustment</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            <tr *ngFor="let slab of register.cibilSlabs; let i = index" [class.ca__row-alt]="i % 2 === 1">
+              <td>{{ i + 1 }}</td>
+              <td class="ca__num">{{ slab.from }}</td>
+              <td class="ca__num">{{ slab.to }}</td>
+              <td>
+                <span [class]="tierClass(slab.tier)">{{ slab.tier }}</span>
+              </td>
+              <td>{{ slab.type }}</td>
+              <td class="ca__num">
+                <span [class]="adjustmentClass(slab.adjustmentPct)">{{ formatPct(slab.adjustmentPct) }}</span>
+              </td>
+              <td class="ca__dots">⋯</td>
+            </tr>
+          </tbody>
+        </table>
+      </div>
+
+      <div class="ca__card">
+        <div class="ca__card-body">
+          <div class="ca__card-title">Fallback behaviour</div>
+          <div class="ca__fallback-grid">
+            <div class="ca__field">
+              <label>NO CIBIL AVAILABLE</label>
+              <select [(ngModel)]="register.fallbackNoCibilSlab">
+                <option *ngFor="let slab of register.cibilSlabs; let i = index" [value]="i + 1">
+                  Use slab {{ i + 1 }} ({{ slab.tier }}, {{ formatPct(slab.adjustmentPct) }})
+                </option>
+              </select>
+            </div>
+            <div class="ca__field">
+              <label>CIBIL BELOW MIN SLAB</label>
+              <select [(ngModel)]="register.fallbackBelowMin">
+                <option value="use-min-slab">Use minimum slab adjustment</option>
+                <option value="block">Block loan — manual approval</option>
+              </select>
+            </div>
+          </div>
+        </div>
+      </div>
+    </div>
+
+    <div class="ca__right">
+      <div class="ca__card">
+        <div class="ca__card-head">
+          <div class="ca__card-title">Live preview</div>
+          <div class="ca__card-hint">pick a scenario</div>
+        </div>
+        <div class="ca__card-body">
+          <div class="ca__preview-grid">
+            <div class="ca__field">
+              <label>PRODUCT</label>
+              <select [(ngModel)]="previewProductSrNo">
+                <option *ngFor="let row of register.rows" [value]="row.srNo">{{ row.particulars }}</option>
+              </select>
+            </div>
+            <div class="ca__field">
+              <label>LOAN AMOUNT</label>
+              <input type="number" [(ngModel)]="previewAmount" />
+            </div>
+            <div class="ca__field">
+              <label>CIBIL SCORE</label>
+              <input type="number" min="0" max="900" [(ngModel)]="previewCibil" />
+            </div>
+            <div class="ca__field">
+              <label>TENURE (MONTHS)</label>
+              <input type="number" [(ngModel)]="previewTenureMonths" />
+            </div>
+          </div>
+
+          <div class="ca__derivation">
+            <div class="ca__derivation-label">RATE DERIVATION</div>
+            <div class="ca__derivation-row">
+              <span>Chart cell — {{ productLabel(previewProductSrNo) }}</span>
+              <span class="ca__derivation-val">{{
+                chartCell() !== null ? (chartCell() | number: '1.2-2') + '%' : 'N.A.'
+              }}</span>
+            </div>
+            <div class="ca__derivation-row">
+              <span>CIBIL {{ previewCibil }} ({{ cibilSlab()?.tier ?? '—' }})</span>
+              <span
+                class="ca__derivation-val"
+                [class.ca__derivation-val--pos]="(cibilSlab()?.adjustmentPct ?? 0) < 0"
+                [class.ca__derivation-val--neg]="(cibilSlab()?.adjustmentPct ?? 0) > 0"
+              >
+                {{ formatPct(cibilSlab()?.adjustmentPct ?? 0) }}
+              </span>
+            </div>
+            <div class="ca__derivation-row ca__derivation-row--muted">
+              <span>Product floor / ceiling</span>
+              <span>no clamp</span>
+            </div>
+            <div class="ca__divider"></div>
+            <div class="ca__final">
+              <span>Final rate</span>
+              <span class="ca__final-val">{{ finalRate() }}</span>
+            </div>
+          </div>
+        </div>
+      </div>
+
+      <div class="ca__card">
+        <div class="ca__card-body">
+          <div class="ca__card-title">What changes if…</div>
+          <div class="ca__scenarios">
+            <div class="ca__scenario">
+              <span>CIBIL = 700</span>
+              <span>{{ rateFor(700) }}</span>
+            </div>
+            <div class="ca__scenario">
+              <span>CIBIL = 870</span>
+              <span class="ca__scenario-val--pos">{{ rateFor(870) }}</span>
+            </div>
+            <div class="ca__scenario">
+              <span>No CIBIL fetched</span>
+              <span class="ca__scenario-val--warn">{{ rateForFallback() }}</span>
+            </div>
+          </div>
+        </div>
+      </div>
+    </div>
+  </div>
+
+  <div class="ca__footer">
+    <button mat-stroked-button (click)="backToRegister()">← Register</button>
+    <div class="ca__footer-note">Changes apply to new sanctions once the register is approved</div>
+    <button mat-flat-button color="primary" (click)="save()">Save adjustments</button>
+  </div>
+</div>
@@ -0,0 +1,344 @@
+/**
+ * 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/.
+ */
+
+.ca {
+  background: #f8fafc;
+  min-height: calc(100vh - 160px);
+  padding: 20px 32px;
+  display: flex;
+  flex-direction: column;
+  gap: 16px;
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    padding: 20px 24px;
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 10px;
+  }
+
+  &__header-icon {
+    width: 40px;
+    height: 40px;
+    border-radius: 9px;
+    background: #dbeafe;
+    color: #1d4ed8;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 15px;
+    font-weight: 700;
+  }
+
+  &__header-text {
+    flex: 1;
+
+    h2 {
+      margin: 0;
+      font-size: 20px;
+      font-weight: 600;
+    }
+
+    p {
+      margin: 3px 0 0;
+      font-size: 12px;
+      color: #64748b;
+    }
+  }
+
+  &__body {
+    display: grid;
+    grid-template-columns: 1.3fr 1fr;
+    gap: 16px;
+  }
+
+  &__left,
+  &__right {
+    display: flex;
+    flex-direction: column;
+    gap: 14px;
+  }
+
+  &__card {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 10px;
+    overflow: hidden;
+  }
+
+  &__card-head {
+    padding: 12px 16px;
+    border-bottom: 1px solid #f1f5f9;
+    display: flex;
+    align-items: center;
+    gap: 10px;
+  }
+
+  &__card-title {
+    font-size: 14px;
+    font-weight: 600;
+  }
+
+  &__card-hint {
+    margin-left: auto;
+    font-size: 11px;
+    color: #64748b;
+  }
+
+  &__card-body {
+    padding: 14px 18px;
+    display: flex;
+    flex-direction: column;
+    gap: 12px;
+  }
+
+  &__dash-btn {
+    margin-left: auto;
+    height: 28px;
+    font-size: 11px;
+    font-weight: 600;
+    color: #1d4ed8;
+    border: 1px dashed #1d4ed8;
+
+    i {
+      margin-right: 3px;
+    }
+  }
+
+  &__table {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 13px;
+
+    thead tr {
+      background: #f8fafc;
+      color: #64748b;
+      font-size: 10px;
+      text-transform: uppercase;
+      letter-spacing: 0.3px;
+
+      th {
+        text-align: left;
+        padding: 9px 14px;
+        font-weight: 600;
+      }
+    }
+
+    tbody tr {
+      border-top: 1px solid #f1f5f9;
+
+      td {
+        padding: 11px 14px;
+      }
+    }
+  }
+
+  &__row-alt {
+    background: #fafbfc;
+  }
+
+  &__num {
+    text-align: right;
+  }
+
+  &__dots {
+    text-align: center;
+    color: #94a3b8;
+    cursor: pointer;
+  }
+
+  &__fallback-grid,
+  &__preview-grid {
+    display: grid;
+    grid-template-columns: 1fr 1fr;
+    gap: 14px;
+  }
+
+  &__field {
+    display: flex;
+    flex-direction: column;
+
+    label {
+      font-size: 11px;
+      color: #64748b;
+      font-weight: 600;
+      letter-spacing: 0.3px;
+      margin-bottom: 4px;
+    }
+
+    input,
+    select {
+      height: 36px;
+      border: 1px solid #cbd5e1;
+      background: white;
+      border-radius: 6px;
+      padding: 0 12px;
+      font-size: 13px;
+      color: #0f172a;
+      font-family: inherit;
+
+      &:focus {
+        outline: 2px solid #1d4ed8;
+        outline-offset: -1px;
+      }
+    }
+  }
+
+  &__derivation {
+    padding: 12px 14px;
+    background: #f8fafc;
+    border-radius: 8px;
+  }
+
+  &__derivation-label {
+    font-size: 11px;
+    color: #64748b;
+    font-weight: 600;
+    letter-spacing: 0.3px;
+    margin-bottom: 8px;
+  }
+
+  &__derivation-row {
+    display: flex;
+    justify-content: space-between;
+    font-size: 12px;
+    padding: 3px 0;
+
+    &--muted {
+      color: #64748b;
+    }
+  }
+
+  &__derivation-val {
+    font-weight: 600;
+
+    &--pos {
+      color: #059669;
+    }
+
+    &--neg {
+      color: #dc2626;
+    }
+  }
+
+  &__divider {
+    height: 1px;
+    background: #e2e8f0;
+    margin: 8px 0;
+  }
+
+  &__final {
+    display: flex;
+    justify-content: space-between;
+    align-items: center;
+
+    span:first-child {
+      font-size: 12px;
+      font-weight: 600;
+    }
+  }
+
+  &__final-val {
+    font-size: 20px;
+    font-weight: 700;
+    color: #1d4ed8;
+  }
+
+  &__scenarios {
+    display: flex;
+    flex-direction: column;
+    gap: 8px;
+    font-size: 12px;
+    color: #334155;
+  }
+
+  &__scenario {
+    padding: 8px 10px;
+    background: #f8fafc;
+    border-radius: 6px;
+    display: flex;
+    justify-content: space-between;
+
+    span:last-child {
+      font-weight: 600;
+    }
+  }
+
+  &__scenario-val--pos {
+    color: #059669;
+  }
+
+  &__scenario-val--warn {
+    color: #d97706;
+  }
+
+  &__footer {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 10px;
+    padding: 10px 16px;
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+  }
+
+  &__footer-note {
+    font-size: 11px;
+    color: #64748b;
+  }
+}
+
+.tier {
+  padding: 3px 8px;
+  border-radius: 4px;
+  font-size: 11px;
+  font-weight: 600;
+
+  &--poor {
+    background: #fee2e2;
+    color: #991b1b;
+  }
+
+  &--fair {
+    background: #fef3c7;
+    color: #92400e;
+  }
+
+  &--good {
+    background: #dbeafe;
+    color: #1e40af;
+  }
+
+  &--vgood {
+    background: #dcfce7;
+    color: #166534;
+  }
+
+  &--excellent {
+    background: #d1fae5;
+    color: #065f46;
+  }
+}
+
+.adj {
+  font-weight: 600;
+
+  &--negative {
+    color: #059669;
+  }
+
+  &--positive {
+    color: #d97706;
+  }
+
+  &--high {
+    color: #dc2626;
+  }
+}
@@ -0,0 +1,162 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { ActivatedRoute, Router } from '@angular/router';
+import { FormsModule } from '@angular/forms';
+import { MatButtonModule } from '@angular/material/button';
+import { MatFormFieldModule } from '@angular/material/form-field';
+import { MatInputModule } from '@angular/material/input';
+import { MatSelectModule } from '@angular/material/select';
+import { RateRegisterService } from '../rate-register.service';
+import { CibilSlab, RateRegister } from '../models/rate-register.model';
+
+/**
+ * CIBIL/credit-score adjustment editor for a Rate Register — slab table, fallback behaviour
+ * and a live preview that resolves {product, loan amount, CIBIL} down to the final rate.
+ */
+@Component({
+  selector: 'mifosx-cibil-adjustment',
+  templateUrl: './cibil-adjustment.component.html',
+  styleUrls: ['./cibil-adjustment.component.scss'],
+  imports: [
+    CommonModule,
+    FormsModule,
+    MatButtonModule,
+    MatFormFieldModule,
+    MatInputModule,
+    MatSelectModule
+  ]
+})
+export class CibilAdjustmentComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+
+  register!: RateRegister;
+
+  // Live preview inputs.
+  previewProductSrNo = 7; // House Purchase / Construction
+  previewAmount = 2500000;
+  previewCibil = 820;
+  previewTenureMonths = 120;
+
+  ngOnInit(): void {
+    const idParam = this.route.snapshot.queryParamMap.get('id');
+    const id = idParam ? Number(idParam) : null;
+    this.service.list().subscribe((all) => {
+      this.register = (id ? all.find((r) => r.id === id) : undefined) ?? this.service.getActiveOrFirstDraft();
+    });
+  }
+
+  tierClass(tier: CibilSlab['tier']): string {
+    const map: Record<string, string> = {
+      Poor: 'tier tier--poor',
+      Fair: 'tier tier--fair',
+      Good: 'tier tier--good',
+      'V. Good': 'tier tier--vgood',
+      Excellent: 'tier tier--excellent'
+    };
+    return map[tier] ?? 'tier';
+  }
+
+  adjustmentClass(pct: number): string {
+    if (pct < 0) {
+      return 'adj adj--negative';
+    }
+    if (pct > 0) {
+      return pct >= 1 ? 'adj adj--high' : 'adj adj--positive';
+    }
+    return 'adj';
+  }
+
+  formatPct(pct: number): string {
+    if (pct === 0) {
+      return '0.00%';
+    }
+    const sign = pct > 0 ? '+' : '−';
+    return `${sign}${Math.abs(pct).toFixed(2)}%`;
+  }
+
+  /** Looks up the chart cell for the currently previewed scenario. */
+  private chartRateFor(productSrNo: number, amount: number): number | null {
+    const row = this.register.rows.find((r) => r.srNo === productSrNo);
+    if (!row) {
+      return null;
+    }
+    for (let i = 0; i < this.register.slabs.length; i++) {
+      const slab = this.register.slabs[i];
+      const upto = slab.amountUpto;
+      if (upto === null || amount <= upto) {
+        const cell = row.rates[i];
+        if (cell === null) {
+          return null;
+        }
+        if (typeof cell === 'string') {
+          // Formula cell — in a real derive we'd resolve against the pledged deposit's rate.
+          return null;
+        }
+        return cell;
+      }
+    }
+    return null;
+  }
+
+  private cibilAdjustmentFor(score: number): CibilSlab | null {
+    return this.register.cibilSlabs.find((s) => score >= s.from && score <= s.to) ?? null;
+  }
+
+  chartCell(): number | null {
+    return this.chartRateFor(this.previewProductSrNo, this.previewAmount);
+  }
+
+  cibilSlab(): CibilSlab | null {
+    return this.cibilAdjustmentFor(this.previewCibil);
+  }
+
+  finalRate(): string {
+    const base = this.chartCell();
+    const slab = this.cibilSlab();
+    if (base === null) {
+      return 'N.A.';
+    }
+    const adjustment = slab?.adjustmentPct ?? 0;
+    return `${(base + adjustment).toFixed(2)}% p.a.`;
+  }
+
+  productLabel(srNo: number): string {
+    return this.register.rows.find((r) => r.srNo === srNo)?.particulars ?? '—';
+  }
+
+  rateFor(cibil: number): string {
+    const base = this.chartRateFor(this.previewProductSrNo, this.previewAmount);
+    if (base === null) {
+      return 'N.A.';
+    }
+    const slab = this.cibilAdjustmentFor(cibil);
+    return `${(base + (slab?.adjustmentPct ?? 0)).toFixed(2)}%`;
+  }
+
+  rateForFallback(): string {
+    const base = this.chartRateFor(this.previewProductSrNo, this.previewAmount);
+    if (base === null) {
+      return 'N.A.';
+    }
+    const fallback = this.register.cibilSlabs[this.register.fallbackNoCibilSlab - 1];
+    return `${(base + (fallback?.adjustmentPct ?? 0)).toFixed(2)}%`;
+  }
+
+  backToRegister(): void {
+    this.router.navigate(['/products/loan-interest-rate-register/edit'], { queryParams: { id: this.register.id } });
+  }
+
+  save(): void {
+    this.backToRegister();
+  }
+}
@@ -0,0 +1,114 @@
+<!--
+  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="er" *ngIf="register">
+  <div class="er__meta-bar">
+    <div class="er__field">
+      <label>REGISTER NAME</label>
+      <input type="text" [(ngModel)]="register.name" />
+    </div>
+    <div class="er__field er__field--date">
+      <label>EFFECTIVE FROM</label>
+      <input type="date" [(ngModel)]="register.effectiveFrom" />
+    </div>
+    <div class="er__field er__field--date">
+      <label>EFFECTIVE TO</label>
+      <input type="date" [(ngModel)]="register.effectiveTo" />
+    </div>
+    <div class="er__field er__field--curr">
+      <label>CURRENCY</label>
+      <select [(ngModel)]="register.currency">
+        <option value="INR">INR</option>
+        <option value="USD">USD</option>
+      </select>
+    </div>
+    <button mat-stroked-button class="er__meta-btn"><i class="fas fa-arrow-down"></i> Import</button>
+    <button mat-stroked-button class="er__meta-btn"><i class="fas fa-arrow-up"></i> Export</button>
+  </div>
+
+  <div class="er__grid-card">
+    <div class="er__grid-head">
+      <div class="er__grid-title">Rate chart grid</div>
+      <div class="er__grid-sub">
+        {{ rows.length }} products × {{ slabs.length }} amount slabs · click any cell to edit
+      </div>
+      <div class="er__grid-actions">
+        <button mat-stroked-button class="er__dash-btn" (click)="addProduct()">
+          <i class="fas fa-plus"></i> Add product
+        </button>
+        <button mat-stroked-button class="er__dash-btn" (click)="addSlab()">
+          <i class="fas fa-plus"></i> Add slab
+        </button>
+      </div>
+    </div>
+    <div class="er__grid-scroll">
+      <table class="er__grid">
+        <thead>
+          <tr>
+            <th class="er__col-particulars">Particulars</th>
+            <th *ngFor="let slab of slabs" class="er__col-rate">{{ slab.label }}</th>
+          </tr>
+        </thead>
+        <tbody>
+          <tr
+            *ngFor="let row of rows; let i = index"
+            [class.er__row-alt]="i % 2 === 1"
+            [class.er__row--formula]="isFormulaRow(row)"
+          >
+            <td class="er__col-particulars">
+              <span class="er__srno">{{ row.srNo }}</span
+              >{{ row.particulars }}
+            </td>
+            <td
+              *ngFor="let cell of row.rates; let j = index"
+              class="er__col-rate er__cell"
+              [class.er__cell--na]="isNa(cell)"
+              [class.er__cell--formula]="isFormulaRow(row)"
+              [class.er__cell--editing]="isEditing(i, j)"
+              (click)="!isEditing(i, j) && startEdit(i, j, cell)"
+            >
+              <input
+                *ngIf="isEditing(i, j); else cellView"
+                #cellInput
+                type="text"
+                class="er__cell-input"
+                [(ngModel)]="editValue"
+                (blur)="saveEdit(i, j)"
+                (keydown.enter)="saveEdit(i, j)"
+                (keydown.escape)="cancelEdit()"
+              />
+              <ng-template #cellView>{{ display(cell) }}</ng-template>
+            </td>
+          </tr>
+        </tbody>
+      </table>
+    </div>
+  </div>
+
+  <div class="er__cibil-strip" (click)="editCibil()">
+    <div class="er__cibil-badge">CS</div>
+    <div class="er__cibil-text">
+      <div class="er__cibil-title">CIBIL / credit score adjustment</div>
+      <div class="er__cibil-sub">
+        {{ register.cibilSlabs.length }} slabs · +1.00% (poor) to −0.20% (excellent) · applied on top of chart rate
+      </div>
+    </div>
+    <a class="er__cibil-edit">Edit →</a>
+  </div>
+
+  <div class="er__footer">
+    <button mat-stroked-button (click)="backToList()">Cancel</button>
+    <div class="er__footer-note">Rates in % p.a. · N.A. = slab not offered · formulas resolved at sanction</div>
+    <div class="er__footer-actions">
+      <button mat-stroked-button>Save draft</button>
+      <button mat-flat-button class="er__submit" (click)="submitForApproval()">
+        <i class="fas fa-check"></i> Submit for approval
+      </button>
+    </div>
+  </div>
+</div>
@@ -0,0 +1,323 @@
+/**
+ * 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/.
+ */
+
+.er {
+  background: #f8fafc;
+  min-height: calc(100vh - 160px);
+  padding: 20px 24px;
+  display: flex;
+  flex-direction: column;
+  gap: 12px;
+
+  &__meta-bar {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 9px;
+    padding: 12px 14px;
+    display: flex;
+    gap: 10px;
+    align-items: flex-end;
+  }
+
+  &__field {
+    display: flex;
+    flex-direction: column;
+    flex: 1.5;
+
+    label {
+      font-size: 10px;
+      color: #64748b;
+      font-weight: 600;
+      letter-spacing: 0.3px;
+      margin-bottom: 3px;
+    }
+
+    input,
+    select {
+      height: 32px;
+      border: 1px solid #cbd5e1;
+      background: white;
+      border-radius: 6px;
+      padding: 0 10px;
+      font-size: 13px;
+      font-family: inherit;
+      color: #0f172a;
+
+      &:focus {
+        outline: 2px solid #1d4ed8;
+        outline-offset: -1px;
+      }
+    }
+
+    &--date {
+      flex: 0.9;
+    }
+
+    &--curr {
+      flex: 0.5;
+    }
+  }
+
+  &__meta-btn {
+    height: 32px;
+    font-size: 11px;
+
+    i {
+      margin-right: 4px;
+    }
+  }
+
+  &__grid-card {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 9px;
+    overflow: hidden;
+    display: flex;
+    flex-direction: column;
+    flex: 1;
+    min-height: 500px;
+  }
+
+  &__grid-head {
+    padding: 8px 14px;
+    background: #f8fafc;
+    border-bottom: 1px solid #e2e8f0;
+    display: flex;
+    align-items: center;
+    gap: 10px;
+  }
+
+  &__grid-title {
+    font-size: 12px;
+    font-weight: 600;
+  }
+
+  &__grid-sub {
+    font-size: 10px;
+    color: #64748b;
+  }
+
+  &__grid-actions {
+    margin-left: auto;
+    display: flex;
+    gap: 6px;
+  }
+
+  &__dash-btn {
+    height: 26px;
+    font-size: 10px;
+    font-weight: 600;
+    color: #1d4ed8;
+    border: 1px dashed #1d4ed8;
+
+    i {
+      margin-right: 3px;
+    }
+  }
+
+  &__grid-scroll {
+    overflow: auto;
+    flex: 1;
+  }
+
+  &__grid {
+    width: 100%;
+    border-collapse: separate;
+    border-spacing: 0;
+    font-size: 11px;
+
+    thead tr {
+      background: #f8fafc;
+      color: #475569;
+      font-size: 9px;
+      text-transform: uppercase;
+      letter-spacing: 0.3px;
+
+      th {
+        padding: 8px 7px;
+        font-weight: 600;
+        position: sticky;
+        top: 0;
+        background: #f8fafc;
+        border-bottom: 1px solid #e2e8f0;
+        z-index: 2;
+        white-space: nowrap;
+      }
+    }
+
+    tbody tr {
+      border-top: 1px solid #f1f5f9;
+    }
+
+    td {
+      padding: 7px;
+      text-align: right;
+      cursor: text;
+
+      &:first-child {
+        text-align: left;
+      }
+    }
+  }
+
+  &__col-particulars {
+    position: sticky;
+    left: 0;
+    background: white;
+    border-right: 1px solid #e2e8f0;
+    font-weight: 500;
+    min-width: 240px;
+    text-align: left !important;
+    padding-left: 12px !important;
+  }
+
+  &__row-alt &__col-particulars {
+    background: #fafbfc;
+  }
+
+  &__row-alt {
+    background: #fafbfc;
+  }
+
+  &__row--formula {
+    .er__col-particulars {
+      background: #eff6ff;
+      color: #1d4ed8;
+      font-weight: 600;
+    }
+  }
+
+  &__srno {
+    color: #94a3b8;
+    margin-right: 6px;
+  }
+
+  &__cell {
+    cursor: cell;
+    transition: background-color 0.1s;
+
+    &:hover {
+      background: #f1f5f9;
+      outline: 1px solid #cbd5e1;
+      outline-offset: -1px;
+    }
+
+    &--na {
+      color: #cbd5e1;
+    }
+
+    &--formula {
+      background: #eff6ff;
+      color: #1d4ed8;
+      font-weight: 600;
+    }
+
+    &--editing {
+      padding: 0 !important;
+      background: #fef9c3 !important;
+      outline: 2px solid #1d4ed8 !important;
+      outline-offset: -2px;
+    }
+  }
+
+  &__cell-input {
+    width: 100%;
+    height: 100%;
+    min-height: 28px;
+    border: none;
+    outline: none;
+    background: transparent;
+    padding: 7px;
+    font-size: 11px;
+    text-align: right;
+    font-family: inherit;
+    color: #0f172a;
+    box-sizing: border-box;
+  }
+
+  &__cibil-strip {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 9px;
+    padding: 9px 14px;
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    cursor: pointer;
+    transition: background-color 0.1s;
+
+    &:hover {
+      background: #f8fafc;
+    }
+  }
+
+  &__cibil-badge {
+    width: 24px;
+    height: 24px;
+    border-radius: 12px;
+    background: #dbeafe;
+    color: #1d4ed8;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 11px;
+    font-weight: 700;
+  }
+
+  &__cibil-text {
+    flex: 1;
+  }
+
+  &__cibil-title {
+    font-size: 12px;
+    font-weight: 600;
+  }
+
+  &__cibil-sub {
+    font-size: 10px;
+    color: #64748b;
+    margin-top: 1px;
+  }
+
+  &__cibil-edit {
+    font-size: 11px;
+    font-weight: 600;
+    color: #1d4ed8;
+    cursor: pointer;
+  }
+
+  &__footer {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 9px;
+    padding: 10px 14px;
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+  }
+
+  &__footer-note {
+    font-size: 11px;
+    color: #64748b;
+  }
+
+  &__footer-actions {
+    display: flex;
+    gap: 6px;
+  }
+
+  &__submit {
+    background: #059669 !important;
+    color: white !important;
+    font-weight: 600;
+
+    i {
+      margin-right: 4px;
+    }
+  }
+}
@@ -0,0 +1,196 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, ElementRef, OnInit, ViewChild, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { ActivatedRoute, Router, RouterLink } from '@angular/router';
+import { FormsModule } from '@angular/forms';
+import { MatButtonModule } from '@angular/material/button';
+import { MatFormFieldModule } from '@angular/material/form-field';
+import { MatInputModule } from '@angular/material/input';
+import { MatSelectModule } from '@angular/material/select';
+import { MatIconModule } from '@angular/material/icon';
+import { MatDatepickerModule } from '@angular/material/datepicker';
+import { MatNativeDateModule } from '@angular/material/core';
+import { RateRegisterService } from '../rate-register.service';
+import { RateCell, RateChartRow, RateRegister, SlabColumn } from '../models/rate-register.model';
+
+/**
+ * Grid editor for one Loan Interest Rate Register — Excel-shaped: 34 products as rows and 10
+ * amount slabs as columns. Cells can hold a plain rate, N.A., or a formula ("1% + FD"). All
+ * data today comes from {@link RateRegisterService}; wire-up to the real API comes later.
+ */
+@Component({
+  selector: 'mifosx-edit-register',
+  templateUrl: './edit-register.component.html',
+  styleUrls: ['./edit-register.component.scss'],
+  imports: [
+    CommonModule,
+    FormsModule,
+    RouterLink,
+    MatButtonModule,
+    MatFormFieldModule,
+    MatInputModule,
+    MatSelectModule,
+    MatIconModule,
+    MatDatepickerModule,
+    MatNativeDateModule
+  ]
+})
+export class EditRegisterComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+
+  register!: RateRegister;
+  slabs: SlabColumn[] = [];
+  rows: RateChartRow[] = [];
+
+  /** The cell currently being edited (row/column indices into the grid), or null when nothing is open. */
+  editing: { row: number; col: number } | null = null;
+  editValue = '';
+
+  @ViewChild('cellInput') cellInput?: ElementRef<HTMLInputElement>;
+
+  ngOnInit(): void {
+    const idParam = this.route.snapshot.queryParamMap.get('id');
+    const id = idParam ? Number(idParam) : null;
+    this.service.list().subscribe((all) => {
+      this.register = (id ? all.find((r) => r.id === id) : undefined) ?? this.service.getActiveOrFirstDraft();
+      this.slabs = this.register.slabs;
+      this.rows = this.register.rows;
+    });
+  }
+
+  /** Formatted display for a cell. */
+  display(cell: RateCell): string {
+    if (cell === null) {
+      return 'N.A.';
+    }
+    if (typeof cell === 'string') {
+      return cell;
+    }
+    return cell.toFixed(2);
+  }
+
+  isFormulaRow(row: RateChartRow): boolean {
+    return !!row.isFormula;
+  }
+
+  isNa(cell: RateCell): boolean {
+    return cell === null;
+  }
+
+  /** Click on a cell → open it as an editable input, pre-filled with the current value. */
+  startEdit(rowIdx: number, colIdx: number, current: RateCell): void {
+    this.editing = { row: rowIdx, col: colIdx };
+    if (current === null) {
+      this.editValue = '';
+    } else if (typeof current === 'string') {
+      this.editValue = current;
+    } else {
+      this.editValue = current.toString();
+    }
+    // Let the view render the input, then focus and select its contents.
+    setTimeout(() => {
+      const el = this.cellInput?.nativeElement;
+      if (el) {
+        el.focus();
+        el.select();
+      }
+    }, 0);
+  }
+
+  isEditing(rowIdx: number, colIdx: number): boolean {
+    return !!this.editing && this.editing.row === rowIdx && this.editing.col === colIdx;
+  }
+
+  /**
+   * Save the cell:
+   *  - empty / "N.A." / "NA" → the slab is marked unavailable
+   *  - value with letters, "%" or "+" → persisted as a formula string ("1% + FD")
+   *  - plain number → stored as a number so it formats as a %
+   */
+  saveEdit(rowIdx: number, colIdx: number): void {
+    if (!this.editing) {
+      return;
+    }
+    const raw = this.editValue.trim();
+    let next: RateCell;
+    if (!raw || raw.toLowerCase() === 'n.a.' || raw.toLowerCase() === 'na') {
+      next = null;
+    } else if (/[a-zA-Z+%]/.test(raw)) {
+      next = raw;
+    } else {
+      const num = Number(raw);
+      next = Number.isFinite(num) ? num : this.rows[rowIdx].rates[colIdx];
+    }
+    this.rows[rowIdx].rates[colIdx] = next;
+    this.rows[rowIdx].isFormula = this.rows[rowIdx].rates.some((c) => typeof c === 'string');
+    this.editing = null;
+  }
+
+  cancelEdit(): void {
+    this.editing = null;
+  }
+
+  /** Append a new empty product row at the bottom of the grid. */
+  addProduct(): void {
+    const name = window.prompt('New product name', 'New product');
+    if (!name) {
+      return;
+    }
+    const next = this.rows.length > 0 ? Math.max(...this.rows.map((r) => r.srNo)) + 1 : 1;
+    this.rows.push({
+      srNo: next,
+      particulars: name.trim(),
+      rates: Array(this.slabs.length).fill(null),
+      isFormula: false
+    });
+  }
+
+  /** Append a new amount slab column; every existing row grows by one blank cell. */
+  addSlab(): void {
+    const label = window.prompt('Slab label (e.g. "Upto 50,00,000" or "> 50,00,000")', 'New slab');
+    if (!label) {
+      return;
+    }
+    const amountText = window.prompt('Amount upper bound in ₹ (leave blank for no cap)', '');
+    const amountUpto = amountText && amountText.trim() ? Number(amountText) : null;
+    this.slabs.push({
+      key: `s_${Date.now()}`,
+      label: label.trim(),
+      amountUpto: amountUpto !== null && !Number.isFinite(amountUpto) ? null : amountUpto
+    });
+    this.rows.forEach((r) => r.rates.push(null));
+  }
+
+  editCibil(): void {
+    this.router.navigate(['/products/loan-interest-rate-register/cibil'], { queryParams: { id: this.register.id } });
+  }
+
+  backToList(): void {
+    this.router.navigate(['/products/loan-interest-rate-register']);
+  }
+
+  submitForApproval(): void {
+    this.register.status = 'Active';
+    this.router.navigate(['/products/loan-interest-rate-register']);
+  }
+
+  statusChipClass(): string {
+    switch (this.register?.status) {
+      case 'Active':
+        return 'chip chip--active';
+      case 'Draft':
+        return 'chip chip--draft';
+      default:
+        return 'chip chip--expired';
+    }
+  }
+}
@@ -0,0 +1,83 @@
+<!--
+  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="lirr">
+  <div class="lirr__header">
+    <div class="lirr__header-icon"><i class="fas fa-percentage"></i></div>
+    <div class="lirr__header-text">
+      <h2>Loan Interest Rate Register</h2>
+      <p>Central CIBIL-based rate chart used across all loan products</p>
+    </div>
+    <button mat-stroked-button class="lirr__excel-btn">
+      <i class="fas fa-exchange-alt"></i>
+      Excel
+    </button>
+    <button mat-flat-button color="primary" class="lirr__create-btn" (click)="create()">
+      <i class="fas fa-plus"></i>
+      Create register
+    </button>
+  </div>
+
+  <div class="lirr__body">
+    <div class="lirr__kpi-grid">
+      <div class="lirr__kpi">
+        <div class="lirr__kpi-label">ACTIVE REGISTER</div>
+        <div class="lirr__kpi-value">{{ active?.name ?? 'None' }}</div>
+        <div class="lirr__kpi-sub lirr__kpi-sub--ok">Effective {{ activeWindow() }}</div>
+      </div>
+      <div class="lirr__kpi">
+        <div class="lirr__kpi-label">SLABS</div>
+        <div class="lirr__kpi-value">10 amount slabs</div>
+        <div class="lirr__kpi-sub">₹10k → &gt; ₹25L</div>
+      </div>
+      <div class="lirr__kpi">
+        <div class="lirr__kpi-label">CIBIL ADJUSTMENTS</div>
+        <div class="lirr__kpi-value">{{ active?.cibilSlabs?.length ?? 0 }} slabs</div>
+        <div class="lirr__kpi-sub">+1.00% → −0.20%</div>
+      </div>
+    </div>
+
+    <div class="lirr__table-card">
+      <div class="lirr__table-head">
+        <div class="lirr__table-title">All registers</div>
+      </div>
+      <table class="lirr__table">
+        <thead>
+          <tr>
+            <th>Name</th>
+            <th>Effective from</th>
+            <th>Effective to</th>
+            <th>Status</th>
+            <th>Created by</th>
+            <th>Last modified</th>
+            <th></th>
+          </tr>
+        </thead>
+        <tbody>
+          <tr *ngFor="let r of registers" [class.lirr__row--active]="r.status === 'Active'" (click)="edit(r)">
+            <td>
+              <div class="lirr__name">{{ r.name }}</div>
+              <div class="lirr__name-sub" *ngIf="r.note">{{ r.note }}</div>
+            </td>
+            <td>{{ r.effectiveFrom | date: 'dd MMM yyyy' }}</td>
+            <td>{{ r.effectiveTo ? (r.effectiveTo | date: 'dd MMM yyyy') : '—' }}</td>
+            <td>
+              <span [class]="statusChipClass(r.status)">{{ r.status === 'Active' ? '● Active' : r.status }}</span>
+            </td>
+            <td>{{ r.createdBy }}</td>
+            <td>{{ r.lastModified | date: 'dd MMM yyyy' }}</td>
+            <td class="lirr__row-actions">{{ r.status === 'Draft' ? 'Edit · Submit' : 'View' }}</td>
+          </tr>
+        </tbody>
+      </table>
+      <div class="lirr__table-foot">
+        <div>Showing 1–{{ registers.length }} of {{ registers.length }}</div>
+      </div>
+    </div>
+  </div>
+</div>
@@ -0,0 +1,212 @@
+/**
+ * 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/.
+ */
+
+.lirr {
+  background: #f8fafc;
+  min-height: calc(100vh - 160px);
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    padding: 22px 32px 14px;
+    background: white;
+    border-bottom: 1px solid #e2e8f0;
+  }
+
+  &__header-icon {
+    width: 40px;
+    height: 40px;
+    border-radius: 9px;
+    background: #eff6ff;
+    color: #1d4ed8;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 18px;
+  }
+
+  &__header-text {
+    flex: 1;
+
+    h2 {
+      margin: 0;
+      font-size: 20px;
+      font-weight: 600;
+    }
+
+    p {
+      margin: 3px 0 0;
+      font-size: 12px;
+      color: #64748b;
+    }
+  }
+
+  &__excel-btn,
+  &__create-btn {
+    i {
+      margin-right: 6px;
+    }
+  }
+
+  &__body {
+    padding: 20px 32px;
+  }
+
+  &__kpi-grid {
+    display: grid;
+    grid-template-columns: 1fr 1fr 1fr;
+    gap: 12px;
+    margin-bottom: 18px;
+  }
+
+  &__kpi {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 10px;
+    padding: 14px 16px;
+  }
+
+  &__kpi-label {
+    font-size: 11px;
+    color: #64748b;
+    font-weight: 600;
+    letter-spacing: 0.3px;
+  }
+
+  &__kpi-value {
+    font-size: 18px;
+    font-weight: 600;
+    margin-top: 4px;
+  }
+
+  &__kpi-sub {
+    font-size: 11px;
+    color: #64748b;
+    margin-top: 4px;
+
+    &--ok {
+      color: #059669;
+    }
+  }
+
+  &__table-card {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 10px;
+    overflow: hidden;
+  }
+
+  &__table-head {
+    padding: 12px 20px;
+    border-bottom: 1px solid #f1f5f9;
+    display: flex;
+    align-items: center;
+  }
+
+  &__table-title {
+    font-size: 14px;
+    font-weight: 600;
+  }
+
+  &__table {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 13px;
+
+    thead {
+      background: #f8fafc;
+      color: #64748b;
+      font-size: 11px;
+      text-transform: uppercase;
+      letter-spacing: 0.3px;
+
+      th {
+        text-align: left;
+        padding: 10px 12px;
+        font-weight: 600;
+
+        &:first-child {
+          padding-left: 20px;
+        }
+      }
+    }
+
+    tbody tr {
+      border-top: 1px solid #f1f5f9;
+      cursor: pointer;
+      transition: background-color 0.1s;
+
+      &:hover {
+        background: #f8fafc;
+      }
+
+      td {
+        padding: 12px;
+
+        &:first-child {
+          padding-left: 20px;
+        }
+      }
+    }
+  }
+
+  &__row--active {
+    background: #f0fdf4;
+  }
+
+  &__name {
+    font-weight: 600;
+  }
+
+  &__name-sub {
+    font-size: 11px;
+    color: #64748b;
+    margin-top: 2px;
+  }
+
+  &__row-actions {
+    text-align: right;
+    color: #64748b;
+    padding-right: 20px !important;
+  }
+
+  &__table-foot {
+    padding: 10px 20px;
+    border-top: 1px solid #f1f5f9;
+    font-size: 12px;
+    color: #64748b;
+  }
+}
+
+.chip {
+  padding: 3px 10px;
+  border-radius: 10px;
+  font-size: 11px;
+  font-weight: 600;
+
+  &--active {
+    background: #dcfce7;
+    color: #166534;
+  }
+
+  &--draft {
+    background: #fef3c7;
+    color: #92400e;
+  }
+
+  &--expired {
+    background: #f1f5f9;
+    color: #475569;
+  }
+
+  &--scheduled {
+    background: #e0e7ff;
+    color: #3730a3;
+  }
+}
@@ -0,0 +1,78 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, inject } from '@angular/core';
+import { DatePipe } from '@angular/common';
+import { Router } from '@angular/router';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RateRegisterService } from './rate-register.service';
+import { RateRegister } from './models/rate-register.model';
+
+/**
+ * List screen for the central Loan Interest Rate Register — three KPI cards followed by the
+ * registers table (name, effective window, status, author, last modified).
+ */
+@Component({
+  selector: 'mifosx-loan-interest-rate-register',
+  templateUrl: './loan-interest-rate-register.component.html',
+  styleUrls: ['./loan-interest-rate-register.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    DatePipe
+  ]
+})
+export class LoanInterestRateRegisterComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+  private readonly router = inject(Router);
+
+  registers: RateRegister[] = [];
+  active?: RateRegister;
+
+  ngOnInit(): void {
+    this.service.list().subscribe((rows) => {
+      this.registers = rows;
+      this.active = rows.find((r) => r.status === 'Active');
+    });
+  }
+
+  edit(register: RateRegister): void {
+    this.router.navigate(['/products/loan-interest-rate-register/edit'], { queryParams: { id: register.id } });
+  }
+
+  create(): void {
+    this.router.navigate(['/products/loan-interest-rate-register/edit']);
+  }
+
+  statusChipClass(status: RateRegister['status']): string {
+    switch (status) {
+      case 'Active':
+        return 'chip chip--active';
+      case 'Draft':
+        return 'chip chip--draft';
+      case 'Expired':
+        return 'chip chip--expired';
+      default:
+        return 'chip chip--scheduled';
+    }
+  }
+
+  activeWindow(): string {
+    if (!this.active) {
+      return '—';
+    }
+    return `${this.formatShort(this.active.effectiveFrom)} → ${this.formatShort(this.active.effectiveTo)}`;
+  }
+
+  private formatShort(iso: string | null): string {
+    if (!iso) {
+      return '—';
+    }
+    const d = new Date(iso);
+    return d.toLocaleDateString('en-GB', { day: '2-digit', month: 'short', year: '2-digit' });
+  }
+}
@@ -0,0 +1,52 @@
+/**
+ * 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/.
+ */
+
+export type RegisterStatus = 'Active' | 'Draft' | 'Expired' | 'Scheduled';
+
+export interface SlabColumn {
+  key: string;
+  label: string;
+  amountUpto: number | null;
+}
+
+/** A single rate cell: number for a %, string for a formula ("1% + FD"), null for N.A. */
+export type RateCell = number | string | null;
+
+export interface RateChartRow {
+  srNo: number;
+  particulars: string;
+  isFormula?: boolean;
+  rates: RateCell[];
+}
+
+export type RiskTier = 'Poor' | 'Fair' | 'Good' | 'V. Good' | 'Excellent';
+
+export interface CibilSlab {
+  from: number;
+  to: number;
+  tier: RiskTier;
+  type: 'Flat';
+  adjustmentPct: number;
+}
+
+export interface RateRegister {
+  id: number;
+  name: string;
+  effectiveFrom: string;
+  effectiveTo: string | null;
+  currency: string;
+  status: RegisterStatus;
+  createdBy: string;
+  lastModified: string;
+  note?: string;
+  slabs: SlabColumn[];
+  rows: RateChartRow[];
+  cibilSlabs: CibilSlab[];
+  fallbackNoCibilSlab: number;
+  fallbackBelowMin: 'use-min-slab' | 'block';
+}
@@ -0,0 +1,457 @@
+/**
+ * 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, of } from 'rxjs';
+import { CibilSlab, RateChartRow, RateRegister, SlabColumn } from './models/rate-register.model';
+
+/**
+ * In-memory stand-in for the central Loan Interest Rate Register.
+ *
+ * Mirrors the Excel chart the bank's Board approves each quarter (34 products × 10 amount slabs).
+ * Backing API will land later; today the service only serves the demo data in memory so the
+ * screens can be driven end-to-end without a server.
+ */
+@Injectable({ providedIn: 'root' })
+export class RateRegisterService {
+  private readonly slabs: SlabColumn[] = [
+    { key: 's1', label: 'Upto 10,000', amountUpto: 10000 },
+    { key: 's2', label: 'Upto 25,000', amountUpto: 25000 },
+    { key: 's3', label: 'Upto 1,00,000', amountUpto: 100000 },
+    { key: 's4', label: 'Upto 2,00,000', amountUpto: 200000 },
+    { key: 's5', label: 'Upto 5,00,000', amountUpto: 500000 },
+    { key: 's6', label: 'Upto 10,00,000', amountUpto: 1000000 },
+    { key: 's7', label: 'Upto 15,00,000', amountUpto: 1500000 },
+    { key: 's8', label: 'Upto 20,00,000', amountUpto: 2000000 },
+    { key: 's9', label: 'Upto 25,00,000', amountUpto: 2500000 },
+    { key: 's10', label: '> 25,00,000', amountUpto: null }
+  ];
+
+  // Values taken from the bank's approved Interest Rate of Loans register.
+  private readonly rows: RateChartRow[] = [
+    this.row(1, 'Consumer Loan', [
+      18,
+      18,
+      15,
+      13,
+      null,
+      null,
+      null,
+      null,
+      null,
+      null
+    ]),
+    this.row(
+      2,
+      'Self Employment Loan',
+      [
+        18,
+        18,
+        15,
+        13,
+        12.5,
+        12,
+        11.5,
+        11,
+        10.5,
+        10.5
+      ]
+    ),
+    this.row(
+      3,
+      'Business Term Loan for running',
+      [
+        18,
+        18,
+        15,
+        13,
+        12.5,
+        11,
+        10.5,
+        10,
+        9.5,
+        9.5
+      ]
+    ),
+    this.row(
+      4,
+      'Cash Credit',
+      [
+        18,
+        18,
+        15,
+        13,
+        13,
+        11,
+        10.5,
+        10,
+        9.5,
+        9.5
+      ]
+    ),
+    this.row(
+      5,
+      'Limit (OD) on property — MSME',
+      [
+        18,
+        18,
+        15,
+        13,
+        13,
+        11,
+        10.5,
+        10,
+        9.5,
+        9.5
+      ]
+    ),
+    this.row(
+      6,
+      'Limit (OD) on property — Personal',
+      [
+        18,
+        18,
+        15,
+        14,
+        13.5,
+        12,
+        11.5,
+        11,
+        10.5,
+        10.5
+      ]
+    ),
+    this.row(7, 'House Purchase / Construction', [
+      null,
+      null,
+      15,
+      12,
+      12,
+      9.25,
+      8.75,
+      8.25,
+      8,
+      8
+    ]),
+    this.row(8, 'House Repairing / Renovation', [
+      null,
+      null,
+      15,
+      14,
+      14,
+      13,
+      12,
+      11,
+      10.5,
+      10
+    ]),
+    this.row(
+      9,
+      'Commercial Real Estate Loan',
+      [
+        18,
+        18,
+        15,
+        13,
+        12.5,
+        12,
+        11,
+        10.5,
+        10.5,
+        10
+      ]
+    ),
+    this.row(10, 'Loan against Jewellery', this.flat(10.8)),
+    this.row(11, 'Loan against Warehouse Receipt (A)', this.flat(13)),
+    this.row(
+      12,
+      'Loan against Warehouse Receipt (B)',
+      [
+        10.5,
+        10.5,
+        10.5,
+        10.5,
+        10.5,
+        10.5,
+        10,
+        10,
+        10,
+        9
+      ]
+    ),
+    this.row(13, 'Agriculture Loan', [
+      null,
+      null,
+      15,
+      12,
+      12,
+      12,
+      11.75,
+      11.5,
+      11.25,
+      11
+    ]),
+    this.row(14, 'Personal Loan (Unsecured)', [
+      18,
+      18,
+      16,
+      15,
+      null,
+      null,
+      null,
+      null,
+      null,
+      null
+    ]),
+    this.row(
+      15,
+      'Personal Loan (Secured / Property)',
+      [
+        18,
+        18,
+        16,
+        15,
+        15,
+        13,
+        12,
+        11.5,
+        11,
+        11
+      ]
+    ),
+    this.row(16, 'Two Wheeler Loan', this.flat(13)),
+    this.row(17, 'Car Loan (4-Wheel Domestic)', [
+      null,
+      null,
+      10,
+      9.5,
+      9.5,
+      8.75,
+      8.5,
+      8.35,
+      8.25,
+      8.25
+    ]),
+    this.row(18, 'Old Car Loan (4-Wheel Domestic)', [
+      null,
+      null,
+      13,
+      12.5,
+      12.5,
+      12,
+      11.5,
+      11,
+      10.5,
+      10.5
+    ]),
+    this.row(19, 'Vehicle Loan (Commercial & Three-wheeler)', [
+      null,
+      null,
+      13,
+      12,
+      12,
+      10.5,
+      10,
+      10,
+      10,
+      10
+    ]),
+    this.row(20, 'Old Vehicle Loan (Commercial)', [
+      null,
+      null,
+      15,
+      14,
+      14,
+      13.5,
+      13.5,
+      13,
+      12.5,
+      12.5
+    ]),
+    this.row(
+      21,
+      'Machinery & Plant Loan',
+      [
+        18,
+        18,
+        15,
+        13,
+        12.5,
+        12,
+        11,
+        10.5,
+        10.5,
+        10
+      ]
+    ),
+    this.row(
+      22,
+      'Office Chamber / Equipment Loan',
+      [
+        18,
+        18,
+        15,
+        13,
+        12.5,
+        12,
+        11,
+        10.5,
+        10.5,
+        10
+      ]
+    ),
+    this.formulaRow(23, 'Loan against F.D.R.', [
+      '1% + FD',
+      '1% + FD',
+      '1% + FD',
+      '1% + FD',
+      '1% + FD',
+      '1% + FD',
+      '0.75% + FD',
+      '0.50% + FD',
+      '0.50% + FD',
+      '0.50% + FD'
+    ]),
+    this.row(24, 'Loan against Daily Deposit & Gold', this.flat(10)),
+    this.formulaRow(25, 'Loan against Recurring Deposit', Array(10).fill('1% + RD')),
+    this.row(26, 'Loan against Staff Service Fund', this.flat(7)),
+    this.row(27, 'Over Draft A/c', this.flat(null)),
+    this.row(28, 'Loan on LIC Policy', this.flat(null)),
+    this.row(29, 'Loan on KVP / NSC', this.flat(null)),
+    this.row(30, 'Bill Discount', this.flat(null)),
+    this.row(31, 'Temporary Limit', this.flat(15)),
+    this.row(32, 'Bank Guarantee (commission)', this.flat(0.25)),
+    this.row(33, 'Sugam Vyapar Loan', this.flat(null)),
+    this.row(34, 'OD to Staff (upto 2 lakh)', this.flat(null))
+  ];
+
+  private readonly cibilSlabs: CibilSlab[] = [
+    { from: 0, to: 649, tier: 'Poor', type: 'Flat', adjustmentPct: 1.0 },
+    { from: 650, to: 749, tier: 'Fair', type: 'Flat', adjustmentPct: 0.5 },
+    { from: 750, to: 799, tier: 'Good', type: 'Flat', adjustmentPct: 0 },
+    { from: 800, to: 850, tier: 'V. Good', type: 'Flat', adjustmentPct: -0.1 },
+    { from: 851, to: 900, tier: 'Excellent', type: 'Flat', adjustmentPct: -0.2 }
+  ];
+
+  private readonly registers: RateRegister[] = [
+    {
+      id: 1001,
+      name: 'Q1 2027 Rates',
+      effectiveFrom: '2027-01-01',
+      effectiveTo: '2027-03-31',
+      currency: 'INR',
+      status: 'Draft',
+      createdBy: 'Sonali',
+      lastModified: '2026-10-01',
+      note: 'Scheduled · future effective',
+      slabs: this.slabs,
+      rows: this.rows,
+      cibilSlabs: this.cibilSlabs,
+      fallbackNoCibilSlab: 2,
+      fallbackBelowMin: 'block'
+    },
+    {
+      id: 1002,
+      name: 'Interest Rate of Loans — Oct 2026',
+      effectiveFrom: '2026-10-01',
+      effectiveTo: '2026-12-31',
+      currency: 'INR',
+      status: 'Active',
+      createdBy: 'Admin',
+      lastModified: '2026-09-25',
+      note: 'Approved by Board on 25 Sep',
+      slabs: this.slabs,
+      rows: this.rows,
+      cibilSlabs: this.cibilSlabs,
+      fallbackNoCibilSlab: 2,
+      fallbackBelowMin: 'block'
+    },
+    {
+      id: 1003,
+      name: 'Q3 2026 Rates',
+      effectiveFrom: '2026-07-01',
+      effectiveTo: '2026-09-30',
+      currency: 'INR',
+      status: 'Expired',
+      createdBy: 'Admin',
+      lastModified: '2026-06-15',
+      slabs: this.slabs,
+      rows: this.rows,
+      cibilSlabs: this.cibilSlabs,
+      fallbackNoCibilSlab: 2,
+      fallbackBelowMin: 'block'
+    },
+    {
+      id: 1004,
+      name: 'Q2 2026 Rates',
+      effectiveFrom: '2026-04-01',
+      effectiveTo: '2026-06-30',
+      currency: 'INR',
+      status: 'Expired',
+      createdBy: 'Admin',
+      lastModified: '2026-03-10',
+      slabs: this.slabs,
+      rows: this.rows,
+      cibilSlabs: this.cibilSlabs,
+      fallbackNoCibilSlab: 2,
+      fallbackBelowMin: 'block'
+    },
+    {
+      id: 1005,
+      name: 'Q1 2026 Rates',
+      effectiveFrom: '2026-01-01',
+      effectiveTo: '2026-03-31',
+      currency: 'INR',
+      status: 'Expired',
+      createdBy: 'Admin',
+      lastModified: '2025-12-20',
+      slabs: this.slabs,
+      rows: this.rows,
+      cibilSlabs: this.cibilSlabs,
+      fallbackNoCibilSlab: 2,
+      fallbackBelowMin: 'block'
+    }
+  ];
+
+  list(): Observable<RateRegister[]> {
+    return of(this.registers);
+  }
+
+  get(id: number): Observable<RateRegister | undefined> {
+    return of(this.registers.find((r) => r.id === id));
+  }
+
+  /** The one shown by default on list → edit navigation. */
+  getActiveOrFirstDraft(): RateRegister {
+    return (
+      this.registers.find((r) => r.status === 'Draft') ??
+      this.registers.find((r) => r.status === 'Active') ??
+      this.registers[0]
+    );
+  }
+
+  getSlabColumns(): SlabColumn[] {
+    return this.slabs;
+  }
+
+  getCibilSlabs(): CibilSlab[] {
+    return this.cibilSlabs;
+  }
+
+  private row(srNo: number, particulars: string, rates: (number | null)[]): RateChartRow {
+    return { srNo, particulars, rates };
+  }
+
+  private formulaRow(srNo: number, particulars: string, rates: string[]): RateChartRow {
+    return { srNo, particulars, isFormula: true, rates };
+  }
+
+  private flat(value: number | null): (number | null)[] {
+    return Array(10).fill(value);
+  }
+}
@@ -42,19 +42,94 @@
      </div>
    </mat-tab>

-    <mat-tab>
-      <ng-template mat-tab-label>
-        <i class="fas fa-cog lp-tab-icon"></i>
-        {{ 'labels.inputs.SETTINGS' | translate }}
-      </ng-template>
-      <div class="lp-tab-content">
-        <mifosx-loan-product-settings-step
-          [loanProductsTemplate]="loanProductsTemplate"
-          [isLinkedToFloatingInterestRates]="loanProductTermsForm.get('isLinkedToFloatingInterestRates')"
-          (advancePaymentStrategy)="advancePaymentStrategy($event)"
-        ></mifosx-loan-product-settings-step>
-      </div>
-    </mat-tab>
+    @if (isAdvanceProduct) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-shield-alt lp-tab-icon"></i>
+          SECURITY &amp; LIEN
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-security-lien-step
+            [loanProductsTemplate]="loanProductsTemplate"
+            [productTypeGroup]="loanProductDetailsForm.get('productTypeGroup')"
+            [productTypeSubGroup]="loanProductDetailsForm.get('productTypeSubGroup')"
+          ></mifosx-loan-product-security-lien-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-sliders-h lp-tab-icon"></i>
+          LIMIT &amp; TENURE
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-advance-limit-tenure-step
+            [productSubType]="advanceSubType"
+          ></mifosx-loan-product-advance-limit-tenure-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-percent lp-tab-icon"></i>
+          INTEREST
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-advance-interest-step></mifosx-loan-product-advance-interest-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-triangle-exclamation lp-tab-icon"></i>
+          PENAL &amp; NPA
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-penal-npa-step
+            [loanProductsTemplate]="loanProductsTemplate"
+          ></mifosx-loan-product-penal-npa-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-arrows-rotate lp-tab-icon"></i>
+          RENEWAL &amp; CLOSURE
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-renewal-closure-step></mifosx-loan-product-renewal-closure-step>
+        </div>
+      </mat-tab>
+
+      @if (isOverdraftFacility) {
+        <mat-tab>
+          <ng-template mat-tab-label>
+            <i class="fas fa-money-check lp-tab-icon"></i>
+            CHEQUE BOOK
+          </ng-template>
+          <div class="lp-tab-content">
+            <mifosx-loan-product-cheque-book-step></mifosx-loan-product-cheque-book-step>
+          </div>
+        </mat-tab>
+      }
+    }
+
+    @if (!isAdvanceProduct) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-cog lp-tab-icon"></i>
+          {{ 'labels.inputs.SETTINGS' | translate }}
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-settings-step
+            [loanProductsTemplate]="loanProductsTemplate"
+            [isLinkedToFloatingInterestRates]="loanProductTermsForm?.get('isLinkedToFloatingInterestRates')"
+            [productTypeGroup]="loanProductDetailsForm.get('productTypeGroup')"
+            (advancePaymentStrategy)="advancePaymentStrategy($event)"
+          ></mifosx-loan-product-settings-step>
+        </div>
+      </mat-tab>
+    }

    @if (isAdvancedPaymentStrategy) {
      <mat-tab>
@@ -90,15 +165,19 @@
      </mat-tab>
    }

-    <mat-tab>
-      <ng-template mat-tab-label>
-        <i class="fas fa-sliders-h lp-tab-icon"></i>
-        {{ 'labels.inputs.TERMS' | translate }}
-      </ng-template>
-      <div class="lp-tab-content">
-        <mifosx-loan-product-terms-step [loanProductsTemplate]="loanProductsTemplate"></mifosx-loan-product-terms-step>
-      </div>
-    </mat-tab>
+    @if (!isAdvanceProduct) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-sliders-h lp-tab-icon"></i>
+          {{ 'labels.inputs.TERMS' | translate }}
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-terms-step
+            [loanProductsTemplate]="loanProductsTemplate"
+          ></mifosx-loan-product-terms-step>
+        </div>
+      </mat-tab>
+    }

    <mat-tab>
      <ng-template mat-tab-label>
@@ -109,7 +188,7 @@
        <mifosx-loan-product-charges-step
          [loanProductsTemplate]="loanProductsTemplate"
          [currencyCode]="loanProductCurrencyForm.get('currencyCode')"
-          [multiDisburseLoan]="loanProductSettingsForm.get('multiDisburseLoan')"
+          [multiDisburseLoan]="loanProductSettingsForm?.get('multiDisburseLoan') ?? multiDisburseFallback"
        ></mifosx-loan-product-charges-step>
      </div>
    </mat-tab>
@@ -13,6 +13,12 @@ import { ActivatedRoute, Router } from '@angular/router';
 /** Custom Components */
 import { LoanProductDetailsStepComponent } from '../loan-product-stepper/loan-product-details-step/loan-product-details-step.component';
 import { LoanProductCurrencyStepComponent } from '../loan-product-stepper/loan-product-currency-step/loan-product-currency-step.component';
+import { LoanProductSecurityLienStepComponent } from '../loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component';
+import { LoanProductAdvanceLimitTenureStepComponent } from '../loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component';
+import { LoanProductAdvanceInterestStepComponent } from '../loan-product-stepper/loan-product-advance-interest-step/loan-product-advance-interest-step.component';
+import { LoanProductPenalNpaStepComponent } from '../loan-product-stepper/loan-product-penal-npa-step/loan-product-penal-npa-step.component';
+import { LoanProductRenewalClosureStepComponent } from '../loan-product-stepper/loan-product-renewal-closure-step/loan-product-renewal-closure-step.component';
+import { LoanProductChequeBookStepComponent } from '../loan-product-stepper/loan-product-cheque-book-step/loan-product-cheque-book-step.component';
 import { LoanProductTermsStepComponent } from '../loan-product-stepper/loan-product-terms-step/loan-product-terms-step.component';
 import { LoanProductSettingsStepComponent } from '../loan-product-stepper/loan-product-settings-step/loan-product-settings-step.component';
 import { LoanProductChargesStepComponent } from '../loan-product-stepper/loan-product-charges-step/loan-product-charges-step.component';
@@ -34,7 +40,7 @@ import {
 import { Accounting } from 'app/core/utils/accounting';
 import { StringEnumOptionData } from '../../../shared/models/option-data.model';
 import { LoanProductDeferredIncomeRecognitionStepComponent } from '../loan-product-stepper/loan-product-capitalized-income-step/loan-product-deferred-income-recognition-step.component';
-import { UntypedFormGroup } from '@angular/forms';
+import { UntypedFormControl, UntypedFormGroup } from '@angular/forms';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { LoanProductPaymentStrategyStepComponent } from '../loan-product-stepper/loan-product-payment-strategy-step/loan-product-payment-strategy-step.component';
 import { LoanProductPreviewStepComponent } from '../loan-product-stepper/loan-product-preview-step/loan-product-preview-step.component';
@@ -51,6 +57,12 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
    FaIconComponent,
    LoanProductDetailsStepComponent,
    LoanProductCurrencyStepComponent,
+    LoanProductSecurityLienStepComponent,
+    LoanProductAdvanceLimitTenureStepComponent,
+    LoanProductAdvanceInterestStepComponent,
+    LoanProductPenalNpaStepComponent,
+    LoanProductRenewalClosureStepComponent,
+    LoanProductChequeBookStepComponent,
    LoanProductSettingsStepComponent,
    LoanProductInterestRefundStepComponent,
    LoanProductPaymentStrategyStepComponent,
@@ -73,12 +85,27 @@ export class CreateLoanProductComponent implements OnInit {
  @ViewChild(LoanProductDetailsStepComponent, { static: true }) loanProductDetailsStep: LoanProductDetailsStepComponent;
  @ViewChild(LoanProductCurrencyStepComponent, { static: true })
  loanProductCurrencyStep: LoanProductCurrencyStepComponent;
+  // Conditional tabs (Advances A/C only): static false — resolved after the @if renders them.
+  @ViewChild(LoanProductSecurityLienStepComponent)
+  loanProductSecurityLienStep: LoanProductSecurityLienStepComponent;
+  @ViewChild(LoanProductAdvanceLimitTenureStepComponent)
+  loanProductAdvanceLimitTenureStep: LoanProductAdvanceLimitTenureStepComponent;
+  @ViewChild(LoanProductAdvanceInterestStepComponent)
+  loanProductAdvanceInterestStep: LoanProductAdvanceInterestStepComponent;
+  @ViewChild(LoanProductPenalNpaStepComponent) loanProductPenalNpaStep: LoanProductPenalNpaStepComponent;
+  @ViewChild(LoanProductRenewalClosureStepComponent)
+  loanProductRenewalClosureStep: LoanProductRenewalClosureStepComponent;
+  @ViewChild(LoanProductChequeBookStepComponent) loanProductChequeBookStep: LoanProductChequeBookStepComponent;
+
+  /** Charges step needs a real control; Settings is absent on the Advances path, so fall back to this. */
+  readonly multiDisburseFallback = new UntypedFormControl(false);
  @ViewChild(LoanProductInterestRefundStepComponent, { static: true })
  loanProductInterestRefundStep: LoanProductInterestRefundStepComponent;
  @ViewChild(LoanProductDeferredIncomeRecognitionStepComponent, { static: true })
  loanProductDeferredIncomeRecognitionStep: LoanProductDeferredIncomeRecognitionStepComponent;
-  @ViewChild(LoanProductTermsStepComponent, { static: true }) loanProductTermsStep: LoanProductTermsStepComponent;
-  @ViewChild(LoanProductSettingsStepComponent, { static: true })
+  // Terms & Settings tabs are now conditional (Loans path only), so resolve them non-statically.
+  @ViewChild(LoanProductTermsStepComponent) loanProductTermsStep: LoanProductTermsStepComponent;
+  @ViewChild(LoanProductSettingsStepComponent)
  loanProductSettingsStep: LoanProductSettingsStepComponent;
  @ViewChild(LoanProductChargesStepComponent, { static: true }) loanProductChargesStep: LoanProductChargesStepComponent;
  @ViewChild(LoanProductAccountingStepComponent, { static: true })
@@ -143,7 +170,18 @@ export class CreateLoanProductComponent implements OnInit {
  }

  get loanProductTermsForm() {
-    return this.loanProductTermsStep.loanProductTermsForm;
+    // Absent on the Advances path (tab hidden), so guard for callers.
+    return this.loanProductTermsStep?.loanProductTermsForm;
+  }
+
+  /** True once the Advance Limit & Tenure step reports an Overdraft (running) facility. */
+  get isOverdraftFacility(): boolean {
+    return this.isAdvanceProduct && !!this.loanProductAdvanceLimitTenureStep?.isOverdraft;
+  }
+
+  /** Sub type chosen on the Details step; drives the FD 12–15 month tenure policy downstream. */
+  get advanceSubType(): string {
+    return this.loanProductDetailsStep?.loanProductDetailsForm?.get('productTypeSubGroup')?.value ?? '';
  }

  advancePaymentStrategy(value: string) {
@@ -231,47 +269,71 @@ export class CreateLoanProductComponent implements OnInit {
  }

  get loanProductSettingsForm() {
-    return this.loanProductSettingsStep.loanProductSettingsForm;
+    // Absent on the Advances path (tab hidden), so guard for callers.
+    return this.loanProductSettingsStep?.loanProductSettingsForm;
  }

  get loanProductAccountingForm() {
    return this.loanProductAccountingStep.loanProductAccountingForm;
  }

+  /** The Details step's chosen product type; drives the Advances-only tabs. */
+  get isAdvanceProduct(): boolean {
+    return this.loanProductDetailsForm?.get('productTypeGroup')?.value === 'advances';
+  }
+
  get totalTabs(): number {
-    let tabs = 6; // details, currency, settings, terms, charges, accounting
-    if (this.isAdvancedPaymentStrategy) tabs += 3; // interest refund, payment allocation, deferred income
+    let tabs = 4; // details, currency, charges, accounting (always)
+    if (this.isAdvanceProduct) {
+      // security & lien, limit & tenure, interest, penal & npa, renewal & closure
+      tabs += 5;
+      if (this.isOverdraftFacility) tabs += 1; // cheque book
+    } else {
+      tabs += 2; // settings, terms
+      if (this.isAdvancedPaymentStrategy) tabs += 3; // interest refund, payment allocation, deferred income
+    }
    if (this.loanProductFormValid) tabs += 1; // preview
    return tabs;
  }

  get loanProductFormValid() {
-    if (this.isAdvancedPaymentStrategy) {
+    const base =
+      this.loanProductDetailsForm.valid && this.loanProductCurrencyForm.valid && this.loanProductAccountingForm.valid;
+
+    // Advances A/C: the curated Figma steps gate the form; Settings/Terms tabs are hidden.
+    if (this.isAdvanceProduct) {
      return (
-        this.loanProductDetailsForm.valid &&
-        this.loanProductCurrencyForm.valid &&
-        this.loanProductTermsForm.valid &&
-        this.loanProductSettingsForm.valid &&
-        this.loanIncomeCapitalizationForm.valid &&
-        this.loanProductAccountingForm.valid
-      );
-    } else {
-      return (
-        this.loanProductDetailsForm.valid &&
-        this.loanProductCurrencyForm.valid &&
-        this.loanProductTermsForm.valid &&
-        this.loanProductSettingsForm.valid &&
-        this.loanProductAccountingForm.valid
+        base &&
+        !!this.loanProductSecurityLienStep?.loanProductSecurityLienForm?.valid &&
+        !!this.loanProductAdvanceLimitTenureStep?.loanProductAdvanceLimitTenureForm?.valid &&
+        !!this.loanProductAdvanceInterestStep?.loanProductAdvanceInterestForm?.valid &&
+        !!this.loanProductPenalNpaStep?.loanProductPenalNpaForm?.valid &&
+        !!this.loanProductRenewalClosureStep?.loanProductRenewalClosureForm?.valid &&
+        (!this.isOverdraftFacility || !!this.loanProductChequeBookStep?.loanProductChequeBookForm?.valid)
      );
    }
+
+    // Loans A/C: original Settings + Terms path.
+    const loansValid = !!this.loanProductTermsForm?.valid && !!this.loanProductSettingsForm?.valid;
+    if (this.isAdvancedPaymentStrategy) {
+      return base && loansValid && !!this.loanIncomeCapitalizationForm?.valid;
+    }
+    return base && loansValid;
  }

  get loanProduct() {
+    // Advances A/C builds its own payload: the curated steps map onto Fineract's mandatory core fields
+    // (principal, tenure, rate, amortization defaults) plus the whitelisted satellite params.
+    if (this.isAdvanceProduct) {
+      return this.assembleAdvanceProduct();
+    }
+
+    // Loans A/C: original composition (Settings/Terms present).
    const loanProduct = {
      ...this.loanProductDetailsStep.loanProductDetails,
      ...this.loanProductCurrencyStep.loanProductCurrency,
-      ...this.loanProductTermsStep.loanProductTerms,
-      ...this.loanProductSettingsStep.loanProductSettings,
+      ...(this.loanProductTermsStep?.loanProductTerms ?? {}),
+      ...(this.loanProductSettingsStep?.loanProductSettings ?? {}),
      ...this.loanProductChargesStep.loanProductCharges,
      ...this.loanProductAccountingStep.loanProductAccounting
    };
@@ -304,6 +366,163 @@ export class CreateLoanProductComponent implements OnInit {
    return loanProduct;
  }

+  /**
+   * Builds the create payload for an Advances A/C product: the curated wizard steps mapped onto Fineract's
+   * mandatory core fields (so the standard product saves) plus the whitelisted satellite params (persisted by
+   * LoanProductAdvanceExtService). Only keys the backend accepts are emitted — an unknown key would be
+   * rejected by checkForUnsupportedParameters.
+   */
+  private assembleAdvanceProduct(): any {
+    const num = (v: any): number | undefined => (v === '' || v === null || v === undefined ? undefined : Number(v));
+
+    const d = this.loanProductDetailsStep.loanProductDetails;
+    const cur = this.loanProductCurrencyStep.loanProductCurrency;
+    const sec = this.loanProductSecurityLienStep.loanProductSecurityLien;
+    const lt = this.loanProductAdvanceLimitTenureStep.loanProductAdvanceLimitTenure;
+    const intr = this.loanProductAdvanceInterestStep.loanProductAdvanceInterest;
+    const pn = this.loanProductPenalNpaStep.loanProductPenalNpa;
+    const rc = this.loanProductRenewalClosureStep.loanProductRenewalClosure;
+    const cb = this.isOverdraftFacility ? this.loanProductChequeBookStep?.loanProductChequeBook : null;
+
+    const defaultStrategy = this.loanProductsTemplate?.transactionProcessingStrategyOptions?.[0]?.code;
+    const minTenure = num(lt.minTenure);
+    const minRate = num(intr.minRate);
+
+    const payload: any = {
+      // identity + currency
+      name: d.name,
+      shortName: d.shortName,
+      description: d.description,
+      startDate: d.startDate,
+      closeDate: d.closeDate,
+      currencyCode: cur.currencyCode,
+      digitsAfterDecimal: cur.digitsAfterDecimal,
+      inMultiplesOf: 1,
+
+      // limit -> principal
+      minPrincipal: num(lt.minLimit),
+      principal: num(lt.defaultLimit) ?? num(lt.minLimit),
+      maxPrincipal: num(lt.maxLimit),
+
+      // tenure -> repayments (monthly)
+      minNumberOfRepayments: minTenure,
+      numberOfRepayments: num(lt.defaultTenure) ?? minTenure,
+      maxNumberOfRepayments: num(lt.maxTenure),
+      repaymentEvery: 1,
+      repaymentFrequencyType: 2, // months
+
+      // rate
+      minInterestRatePerPeriod: minRate,
+      interestRatePerPeriod: minRate,
+      maxInterestRatePerPeriod: num(intr.maxRate),
+      interestRateFrequencyType: 3, // per year
+
+      // Fineract mandatory engine defaults for an Advance (no EMI schedule shown to the officer)
+      amortizationType: 1, // equal installments
+      interestType: 0, // declining balance
+      interestCalculationPeriodType: 1, // same as repayment period
+      transactionProcessingStrategyCode: defaultStrategy,
+      daysInYearType: 1, // actual
+      daysInMonthType: 1, // actual
+      isInterestRecalculationEnabled: false,
+
+      // NPA / delinquency map onto core product fields
+      overdueDaysForNPA: num(pn.npaDays),
+      graceOnArrearsAgeing: num(pn.graceOnArrearsAgeing),
+      inArrearsTolerance: num(pn.inArrearsTolerance),
+      delinquencyBucketId: pn.delinquencyBucketId || undefined,
+
+      // accounting rule + GL mappings + charges (all standard, whitelisted)
+      ...this.loanProductAccountingStep.loanProductAccounting,
+      ...this.loanProductChargesStep.loanProductCharges,
+
+      // ---- satellite params (must match LoanProductAdvanceExtService.ADVANCE_PARAMETERS) ----
+      productTypeGroup: d.productTypeGroup,
+      productTypeSubGroup: d.productTypeSubGroup,
+      glAccount: d.glAccount || undefined,
+      loanProductCategory: d.loanProductCategory,
+      prioritySector: d.prioritySector,
+      cibilAccountType: d.cibilAccountType,
+      kfsEnabled: d.kfsEnabled,
+      aprEnabled: d.aprEnabled,
+      facilityType: lt.facilityType,
+      securityType: sec.securityType,
+      eligibleAmountBasis: sec.eligibleAmountBasis,
+      margin: num(sec.margin),
+      ltv: sec.ltv,
+      dpMethod: 'security_value_x_ltv',
+      lienRequired: this.loanProductSecurityLienStep.isLienSubType,
+      lienMarkingStage: sec.lienMarkingStage,
+      lienCertificateRequired: sec.lienCertificateRequired,
+      lienCertificatePrefix: sec.lienCertificatePrefix,
+      printCertificateOnDisbursement: sec.printOnDisbursement,
+      interestBasis: intr.interestBasis,
+      spread: num(intr.spread),
+      interestChargedOn: intr.interestChargedOn,
+      interestPostingFrequency: intr.postingFrequency,
+      penalApplicable: pn.penalApplicable,
+      penalRate: num(pn.penalRate),
+      penalAppliedOn: pn.penalAppliedOn,
+      penalGraceDays: num(pn.penalGraceDays),
+      npaTrigger: pn.npaTrigger,
+      interestAfterNpa: pn.interestAfterNpa,
+      renewalAllowed: rc.renewalAllowed,
+      renewalPeriodMonths: num(rc.renewalPeriodMonths),
+      renewalGraceDays: num(rc.renewalGraceDays),
+      preclosureAllowed: rc.preclosureAllowed,
+      lockInMonths: num(rc.lockInMonths),
+      interestOnPreclosure: rc.interestOnPreclosure,
+      chequeBookEnabled: this.isOverdraftFacility,
+      chequeType: cb?.chequeType,
+      defaultChequeBookSize: num(cb?.defaultBookSize),
+      ppsThreshold: num(cb?.ppsThreshold),
+      ppsMandatoryAbove: num(cb?.ppsMandatoryAbove),
+
+      // ---- remaining wizard fields ----
+      // security & lien extras (deposit list joined; rule checkboxes)
+      eligibleDepositProducts: (sec.eligibleDepositProducts ?? []).join('|'),
+      lienTenureNotExceedMaturity: sec.lienRules?.tenureNotExceedMaturity,
+      lienAutoReleaseOnClosure: sec.lienRules?.autoReleaseOnClosure,
+      lienAllowMultipleDeposits: sec.lienRules?.allowMultipleDeposits,
+      lienAdjustFromMaturity: sec.lienRules?.adjustFromMaturity,
+      lienAllowThirdParty: sec.lienRules?.allowThirdPartyDeposit,
+      lienAllowRenewalUnderLien: sec.lienRules?.allowRenewalUnderLien,
+      // limit & tenure extras
+      repaymentType: lt.repaymentType,
+      appropriationOrder: lt.appropriationOrder,
+      debitBalanceAllow: lt.debitBalanceAllow,
+      allowDebitAfterDueDate: lt.allowDebitTransAfterDueDate,
+      branchLevelAccountType: lt.branchLevelAccountType,
+      // interest extras
+      interestCalcMethod: intr.calcMethod,
+      interestOnCreditBalance: intr.interestOnCreditBalance,
+      interestPostingDay: intr.postingDay,
+      // NPA upgrade rules
+      npaUpgradeOnlyAllArrears: pn.upgradeOnlyAllArrears,
+      npaKeepStandardIfDepositCovers: pn.keepStandardIfDepositCovers,
+      // cheque book full config
+      chequeBookSizes: (cb?.bookSizes ?? []).join('|'),
+      chequeMaxBooksOutstanding: num(cb?.maxBooksOutstanding),
+      chequeReissueWhenLeaves: num(cb?.reissueWhenLeaves),
+      chequeFirstBookFree: cb?.firstBookFree,
+      chequeFreeBooksPerYear: num(cb?.freeBooksPerYear),
+      chequeNamePrinted: cb?.namePrinted,
+      chequePrintDescription: cb?.chequePrintDescription,
+      chequeStopPaymentAllowed: cb?.stopPaymentAllowed,
+      chequeMaintainStockRegister: cb?.maintainStockRegister,
+      chequeAllowWithdrawalSlip: cb?.allowWithdrawalSlip,
+      chequeBlockNpa: cb?.blockNpa,
+      chequeBlockLimitExpired: cb?.blockLimitExpired,
+      chequeBlockOverDp: cb?.blockOverDp,
+      chequeBlockFrozen: cb?.blockFrozen,
+      chequeBlockLienReleased: cb?.blockLienReleased
+    };
+
+    // Drop undefined keys so we never send an unresolved value.
+    Object.keys(payload).forEach((k) => payload[k] === undefined && delete payload[k]);
+    return payload;
+  }
+
  submit() {
    const loanProduct = this.loanProducts.buildPayload(this.loanProduct, this.itemsByDefault);
    if (this.isAdvancedPaymentStrategy) {
@@ -0,0 +1,174 @@
+/**
+ * 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 styling for the Advances A/C wizard steps (Security & Lien, Limit & Tenure,
+ * Interest, Penal & NPA, Renewal & Closure, Cheque Book).
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.adv-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    h3 {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+
+  &__hint {
+    margin-left: auto;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.adv-subsection {
+  padding: 16px 24px;
+
+  & + & {
+    border-top: 1px solid $border;
+  }
+}
+
+.adv-group {
+  margin: 0 0 12px;
+  font-size: 12px;
+  font-weight: 600;
+  letter-spacing: 0.06em;
+  text-transform: uppercase;
+  color: #5f6368;
+}
+
+.adv-grid {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 4px 16px;
+  padding: 16px 24px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-grid--3 {
+  grid-template-columns: repeat(3, 1fr);
+
+  @media (width <= 900px) {
+    grid-template-columns: repeat(2, 1fr);
+  }
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-subsection .adv-grid {
+  padding: 0;
+}
+
+.adv-field {
+  width: 100%;
+
+  &--full {
+    grid-column: 1 / -1;
+  }
+}
+
+.adv-checks {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px 32px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-type-options {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px;
+  padding: 16px 24px 0;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.adv-type-option {
+  border: 1px solid #cbd5e1;
+  border-radius: 8px;
+  padding: 10px 14px;
+
+  &__label {
+    display: block;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__hint {
+    display: block;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.adv-note {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  margin-top: 16px;
+  padding: 12px 24px;
+  border: 1px dashed $border;
+  border-radius: 10px;
+  font-size: 13px;
+  color: #5f6368;
+
+  i {
+    color: $accent;
+    margin-top: 2px;
+  }
+}
+
+.adv-info {
+  padding: 12px 16px;
+  border-radius: 8px;
+  background: #f0f9ff;
+  border: 1px solid #bae6fd;
+  font-size: 13px;
+  color: #075985;
+  line-height: 1.5;
+}
@@ -0,0 +1,120 @@
+<!--
+  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]="loanProductAdvanceInterestForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-percent"></i>
+      <h3>Rate</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest Basis</mat-label>
+        <mat-select formControlName="interestBasis">
+          @for (opt of interestBasisOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      @if (showSpread) {
+        <mat-form-field appearance="outline" class="adv-field">
+          <mat-label>Spread over Deposit Rate (%)</mat-label>
+          <input matInput type="number" formControlName="spread" min="0" max="20" step="0.01" />
+          <mat-hint>Advance rate = deposit rate + spread</mat-hint>
+        </mat-form-field>
+      } @else {
+        <div class="adv-field"></div>
+      }
+      <div class="adv-field"></div>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Rate (% p.a.)</mat-label>
+        <input matInput type="number" formControlName="minRate" min="0" step="0.01" required />
+        <mat-error>Minimum Rate is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Rate (% p.a.)</mat-label>
+        <input matInput type="number" formControlName="maxRate" min="0" step="0.01" required />
+        <mat-error>Maximum Rate is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-sliders-h"></i>
+      <h3>Calculation</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Calculation Method</mat-label>
+        <mat-select formControlName="calcMethod">
+          @for (opt of calcMethodOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Days in Year</mat-label>
+        <mat-select formControlName="daysInYear">
+          @for (opt of daysInYearOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Days in Month</mat-label>
+        <mat-select formControlName="daysInMonth">
+          @for (opt of daysInMonthOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest Charged On</mat-label>
+        <mat-select formControlName="interestChargedOn">
+          @for (opt of chargedOnOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest on Credit Balance</mat-label>
+        <mat-select formControlName="interestOnCreditBalance">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-clock"></i>
+      <h3>Posting</h3>
+    </div>
+    <div class="adv-grid">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Posting Frequency</mat-label>
+        <mat-select formControlName="postingFrequency">
+          @for (opt of postingFrequencyOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Posting Day</mat-label>
+        <mat-select formControlName="postingDay">
+          @for (opt of postingDayOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+</form>
@@ -0,0 +1,105 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Interest step for an Advances A/C product (Figma step 5). Interest basis + spread, rate bounds,
+ * daily calculation and monthly posting. UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-advance-interest-step',
+  templateUrl: './loan-product-advance-interest-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [...STANDALONE_SHARED_IMPORTS]
+})
+export class LoanProductAdvanceInterestStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductAdvanceInterestForm: UntypedFormGroup;
+
+  readonly interestBasisOptions = [
+    { id: 'deposit_spread', label: 'Deposit Rate + Spread' },
+    { id: 'fixed', label: 'Fixed rate' },
+    { id: 'floating', label: 'Floating (EBLR-linked)' }
+  ];
+
+  readonly calcMethodOptions = [
+    { id: 'daily', label: 'Daily product (daily outstanding)' },
+    { id: 'monthly', label: 'Monthly average balance' }
+  ];
+
+  readonly daysInYearOptions = [
+    'Actual (365 / 366)',
+    '365',
+    '360'
+  ];
+  readonly daysInMonthOptions = [
+    'Actual',
+    '30'
+  ];
+
+  readonly chargedOnOptions = [
+    { id: 'utilised', label: 'Utilised (debit) balance' },
+    { id: 'limit', label: 'Sanctioned limit' }
+  ];
+
+  readonly postingFrequencyOptions = [
+    'Monthly',
+    'Quarterly',
+    'Half-yearly',
+    'At Maturity'
+  ];
+  readonly postingDayOptions = [
+    'Last day of month',
+    '1st of month',
+    'Anniversary day'
+  ];
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.loanProductAdvanceInterestForm = this.formBuilder.group({
+      interestBasis: ['deposit_spread'],
+      spread: [
+        2.0,
+        [
+          Validators.min(0),
+          Validators.max(20)
+        ]
+      ],
+      minRate: [
+        '',
+        Validators.required
+      ],
+      maxRate: [
+        '',
+        Validators.required
+      ],
+      calcMethod: ['daily'],
+      daysInYear: ['Actual (365 / 366)'],
+      daysInMonth: ['Actual'],
+      interestChargedOn: ['utilised'],
+      interestOnCreditBalance: ['NO'],
+      postingFrequency: ['Monthly'],
+      postingDay: ['Last day of month']
+    });
+  }
+
+  get showSpread(): boolean {
+    return this.loanProductAdvanceInterestForm.get('interestBasis').value === 'deposit_spread';
+  }
+
+  get loanProductAdvanceInterest() {
+    return this.loanProductAdvanceInterestForm.getRawValue();
+  }
+}
@@ -0,0 +1,155 @@
+<!--
+  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]="loanProductAdvanceLimitTenureForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-layer-group"></i>
+      <h3>Facility Type</h3>
+    </div>
+    <mat-radio-group formControlName="facilityType" class="adv-type-options">
+      <mat-radio-button value="demand" class="adv-type-option">
+        <span class="adv-type-option__label">Demand Loan</span>
+        <span class="adv-type-option__hint">Paid out once; repaid at maturity. No cheque book.</span>
+      </mat-radio-button>
+      <mat-radio-button value="overdraft" class="adv-type-option">
+        <span class="adv-type-option__label">Overdraft (Running)</span>
+        <span class="adv-type-option__hint">Draw and repay any time within the limit. Cheque book allowed.</span>
+      </mat-radio-button>
+    </mat-radio-group>
+    <div style="padding: 16px 24px 20px">
+      <div class="adv-info">
+        This choice decides whether the <strong>Cheque Book</strong> step appears. CC / OD sub types are always running.
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-coins"></i>
+      <h3>Limit</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Limit (₹)</mat-label>
+        <input matInput type="number" formControlName="minLimit" min="0" required />
+        <mat-error>Minimum Limit is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Limit (₹)</mat-label>
+        <input matInput type="number" formControlName="defaultLimit" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Limit (₹)</mat-label>
+        <input matInput type="number" formControlName="maxLimit" min="0" required />
+        <mat-error>Maximum Limit is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-clock"></i>
+      <h3>Tenure &amp; Repayment</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Tenure (months)</mat-label>
+        <input matInput type="number" formControlName="minTenure" [min]="tenureMin" [max]="tenureMax" required />
+        @if (isFdTenureLocked) {
+          <mat-hint>FD policy: 12–15 months only</mat-hint>
+        }
+        <mat-error>
+          @if (isFdTenureLocked) {
+            Must be between <strong>12 and 15</strong> months
+          } @else {
+            Minimum Tenure is <strong>required</strong>
+          }
+        </mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Tenure (months)</mat-label>
+        <input matInput type="number" formControlName="defaultTenure" [min]="tenureMin" [max]="tenureMax" />
+        @if (isFdTenureLocked) {
+          <mat-hint>Between 12 and 15</mat-hint>
+          <mat-error>Must be between <strong>12 and 15</strong> months</mat-error>
+        }
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Tenure (months)</mat-label>
+        <input matInput type="number" formControlName="maxTenure" [min]="tenureMin" [max]="tenureMax" required />
+        @if (isFdTenureLocked) {
+          <mat-hint>FD policy: max 15 months (also capped at deposit maturity)</mat-hint>
+        } @else {
+          <mat-hint>Also capped at the deposit's maturity (Lien rule)</mat-hint>
+        }
+        <mat-error>
+          @if (isFdTenureLocked) {
+            Must be between <strong>12 and 15</strong> months
+          } @else {
+            Maximum Tenure is <strong>required</strong>
+          }
+        </mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Repayment Type</mat-label>
+        <mat-select formControlName="repaymentType">
+          @for (opt of repaymentTypeOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field adv-field--full">
+        <mat-label>Appropriation Order</mat-label>
+        <mat-select formControlName="appropriationOrder">
+          @for (opt of appropriationOrderOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-toggle-on"></i>
+      <h3>Account Behaviour</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Debit Balance Allow</mat-label>
+        <mat-select formControlName="debitBalanceAllow">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Allow Debit Trans After Due Date</mat-label>
+        <mat-select formControlName="allowDebitTransAfterDueDate">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Branch Level A/c Type</mat-label>
+        <mat-select formControlName="branchLevelAccountType">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-circle-info"></i>
+    <span>EMI fields (Number of Repayments, Repaid Every, Variable Installments) are hidden for an Advance.</span>
+  </div>
+</form>
@@ -0,0 +1,171 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject, Input } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Limit & Tenure step for an Advances A/C product (Figma step 4).
+ *
+ * Facility Type here decides the rest of the flow: an Overdraft (running) facility gets a cheque book,
+ * a Demand Loan does not. UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-advance-limit-tenure-step',
+  templateUrl: './loan-product-advance-limit-tenure-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatRadioGroup,
+    MatRadioButton
+  ]
+})
+export class LoanProductAdvanceLimitTenureStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductAdvanceLimitTenureForm: UntypedFormGroup;
+
+  /**
+   * Product sub type picked on the Details step. "Loan against FD" is bank-policy capped to a
+   * 12–15 month tenure, so the officer cannot create an FD product outside that band. Other
+   * advance sub types (Gold, RD, CC, …) stay open.
+   */
+  private _productSubType = '';
+  @Input()
+  set productSubType(value: string) {
+    const next = value || '';
+    if (next === this._productSubType) {
+      return;
+    }
+    this._productSubType = next;
+    this.applyTenurePolicy();
+  }
+  get productSubType(): string {
+    return this._productSubType;
+  }
+
+  readonly repaymentTypeOptions = [
+    { id: 'bullet', label: 'Bullet – principal + interest at maturity' },
+    { id: 'running', label: 'Running – any time; clear by limit expiry' }
+  ];
+
+  readonly appropriationOrderOptions = [
+    { id: 'charges_penal_interest_principal', label: 'Charges → Penal → Interest → Principal' },
+    { id: 'principal_interest_penal_charges', label: 'Principal → Interest → Penal → Charges' }
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.loanProductAdvanceLimitTenureForm = this.formBuilder.group({
+      facilityType: ['demand'],
+      minLimit: [
+        '',
+        Validators.required
+      ],
+      defaultLimit: [''],
+      maxLimit: [
+        '',
+        Validators.required
+      ],
+      minTenure: [
+        12,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      defaultTenure: [12],
+      maxTenure: [
+        15,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      repaymentType: ['bullet'],
+      appropriationOrder: ['charges_penal_interest_principal'],
+      debitBalanceAllow: ['YES'],
+      allowDebitTransAfterDueDate: ['NO'],
+      branchLevelAccountType: ['NO']
+    });
+  }
+
+  /** Read by the wizard to decide whether the Cheque Book step applies. */
+  get isOverdraft(): boolean {
+    return this.loanProductAdvanceLimitTenureForm.get('facilityType').value === 'overdraft';
+  }
+
+  get loanProductAdvanceLimitTenure() {
+    return this.loanProductAdvanceLimitTenureForm.getRawValue();
+  }
+
+  /** True when the FD 12–15 month cap is in force (drives the hints/errors in the template). */
+  get isFdTenureLocked(): boolean {
+    return this._productSubType === 'fd';
+  }
+
+  get tenureMin(): number {
+    return this.isFdTenureLocked ? 12 : 1;
+  }
+
+  get tenureMax(): number | null {
+    return this.isFdTenureLocked ? 15 : null;
+  }
+
+  /**
+   * FD advances are bank-policy capped to 12–15 months; every other sub type stays open (min 1).
+   * Called whenever the sub type changes so the validators — and thus the wizard's validity gate —
+   * match the selected product.
+   */
+  private applyTenurePolicy(): void {
+    const form = this.loanProductAdvanceLimitTenureForm;
+    if (!form) {
+      return;
+    }
+    const min = form.get('minTenure');
+    const def = form.get('defaultTenure');
+    const max = form.get('maxTenure');
+    if (this._productSubType === 'fd') {
+      const bounds = [
+        Validators.min(12),
+        Validators.max(15)
+      ];
+      min.setValidators([
+        Validators.required,
+        ...bounds
+      ]);
+      def.setValidators(bounds);
+      max.setValidators([
+        Validators.required,
+        ...bounds
+      ]);
+      min.setValue(12, { emitEvent: false });
+      def.setValue(12, { emitEvent: false });
+      max.setValue(15, { emitEvent: false });
+    } else {
+      min.setValidators([
+        Validators.required,
+        Validators.min(1)
+      ]);
+      def.setValidators([Validators.min(1)]);
+      max.setValidators([
+        Validators.required,
+        Validators.min(1)
+      ]);
+    }
+    min.updateValueAndValidity({ emitEvent: false });
+    def.updateValueAndValidity({ emitEvent: false });
+    max.updateValueAndValidity({ emitEvent: false });
+  }
+}
@@ -0,0 +1,144 @@
+<!--
+  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]="loanProductChequeBookForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-money-check"></i>
+      <h3>Cheque Book Facility</h3>
+      <span class="adv-section__hint">Overdraft (running) only</span>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field adv-field--full" style="grid-column: span 2">
+        <mat-label>Cheque Type</mat-label>
+        <mat-select formControlName="chequeType">
+          @for (opt of chequeTypeOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Book Sizes Allowed (leaves)</mat-label>
+        <mat-select formControlName="bookSizes" multiple>
+          @for (opt of bookSizeOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Book Size (leaves)</mat-label>
+        <mat-select formControlName="defaultBookSize">
+          @for (opt of bookSizeOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Max Books Outstanding</mat-label>
+        <input matInput type="number" formControlName="maxBooksOutstanding" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Reissue When Unused Leaves ≤</mat-label>
+        <input matInput type="number" formControlName="reissueWhenLeaves" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>First Cheque Book Free</mat-label>
+        <mat-select formControlName="firstBookFree">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Free Cheque Books per Year</mat-label>
+        <input matInput type="number" formControlName="freeBooksPerYear" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Name Printed on Cheque</mat-label>
+        <mat-select formControlName="namePrinted">
+          @for (opt of namePrintedOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field adv-field--full" style="grid-column: span 2">
+        <mat-label>Cheque Print Description</mat-label>
+        <input matInput formControlName="chequePrintDescription" />
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-shield-halved"></i>
+      <h3>Validation &amp; Security</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Positive Pay (PPS) Threshold (₹)</mat-label>
+        <input matInput type="number" formControlName="ppsThreshold" min="0" required />
+        <mat-hint>Issuer confirms cheques at or above this</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>PPS Mandatory Above (₹)</mat-label>
+        <input matInput type="number" formControlName="ppsMandatoryAbove" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Cheque Validity</mat-label>
+        <input matInput value="3 months (RBI)" disabled />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Stop Payment Allowed</mat-label>
+        <mat-select formControlName="stopPaymentAllowed">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maintain Cheque Stock Register</mat-label>
+        <mat-select formControlName="maintainStockRegister">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Allow Withdrawal Slip</mat-label>
+        <mat-select formControlName="allowWithdrawalSlip">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-ban"></i>
+      <h3>Block Cheque Issue &amp; Clearing When</h3>
+    </div>
+    <div class="adv-subsection">
+      <div class="adv-checks">
+        <mat-checkbox formControlName="blockNpa">Account is NPA or out of order</mat-checkbox>
+        <mat-checkbox formControlName="blockLimitExpired">Limit has expired (renewal due)</mat-checkbox>
+        <mat-checkbox formControlName="blockOverDp">Debit would exceed the limit / drawing power</mat-checkbox>
+        <mat-checkbox formControlName="blockFrozen">Account is frozen or inoperative</mat-checkbox>
+        <mat-checkbox formControlName="blockLienReleased">
+          Pledged deposit has matured or its lien was released
+        </mat-checkbox>
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-circle-info"></i>
+    <span>Cheque book fees (issue, per leaf, return, stop payment) are set on the Charges step.</span>
+  </div>
+</form>
@@ -0,0 +1,92 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Cheque Book step (Figma step 8), shown only when the Facility Type is Overdraft (running).
+ * UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-cheque-book-step',
+  templateUrl: './loan-product-cheque-book-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox
+  ]
+})
+export class LoanProductChequeBookStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductChequeBookForm: UntypedFormGroup;
+
+  readonly chequeTypeOptions = [
+    'CTS-2010 · Payable at par (multi-city)',
+    'CTS-2010 · Local',
+    'Non-CTS'
+  ];
+  readonly bookSizeOptions = [
+    '10',
+    '25',
+    '50',
+    '100'
+  ];
+  readonly namePrintedOptions = [
+    'Account holder name',
+    'Firm / entity name',
+    'As per instruction'
+  ];
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.loanProductChequeBookForm = this.formBuilder.group({
+      chequeType: ['CTS-2010 · Payable at par (multi-city)'],
+      bookSizes: [
+        [
+          '10',
+          '25',
+          '50'
+        ]
+      ],
+      defaultBookSize: ['25'],
+      maxBooksOutstanding: [1],
+      reissueWhenLeaves: [5],
+      firstBookFree: ['YES'],
+      freeBooksPerYear: [1],
+      namePrinted: ['Account holder name'],
+      chequePrintDescription: [''],
+      ppsThreshold: [
+        50000,
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      ppsMandatoryAbove: [500000],
+      stopPaymentAllowed: ['YES'],
+      maintainStockRegister: ['YES'],
+      allowWithdrawalSlip: ['NO'],
+      blockNpa: [true],
+      blockLimitExpired: [true],
+      blockOverDp: [true],
+      blockFrozen: [true],
+      blockLienReleased: [true]
+    });
+  }
+
+  get loanProductChequeBook() {
+    return this.loanProductChequeBookForm.getRawValue();
+  }
+}
@@ -7,178 +7,190 @@
 -->

 <form [formGroup]="loanProductDetailsForm">
-  <div class="lpd-section">
-    <div class="lpd-section__header">
-      <i class="fas fa-info-circle"></i>
-      <h3>{{ 'labels.inputs.Product Name' | translate }} &amp; {{ 'labels.inputs.Description' | translate }}</h3>
-    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
-        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-        <input
-          matInput
-          formControlName="name"
-          matTooltip="{{ 'tooltips.Product name is a unique identifier' | translate }}"
-          required
-        />
-        <mat-error>
-          {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
-          <strong>{{ 'labels.commons.required' | translate }}</strong>
-        </mat-error>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>{{ 'labels.inputs.Short Name' | translate }}</mat-label>
-        <input
-          matInput
-          formControlName="shortName"
-          maxlength="4"
-          matTooltip="{{ 'tooltips.Short name is a unique identifier' | translate }}"
-          required
-        />
-        <mat-error>
-          {{ 'labels.inputs.Short Name' | translate }} {{ 'labels.commons.is' | translate }}
-          <strong>{{ 'labels.commons.required' | translate }}</strong>
-        </mat-error>
-      </mat-form-field>
-    </div>
-  </div>
-
-  <div class="lpd-section">
-    <div class="lpd-section__header">
-      <i class="fas fa-calendar-alt"></i>
-      <h3>{{ 'labels.inputs.Availability' | translate }}</h3>
-    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field" (click)="startDatePicker.open()">
-        <mat-label>{{ 'labels.inputs.Start Date' | translate }}</mat-label>
-        <input
-          matInput
-          [min]="minDate"
-          [max]="maxDate"
-          [matDatepicker]="startDatePicker"
-          matTooltip="{{ 'tooltips.loan product will be active and available to clients' | translate }}"
-          formControlName="startDate"
-        />
-        <mat-datepicker-toggle matSuffix [for]="startDatePicker"></mat-datepicker-toggle>
-        <mat-datepicker #startDatePicker></mat-datepicker>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field" (click)="closeDatePicker.open()">
-        <mat-label>{{ 'labels.inputs.Close Date' | translate }}</mat-label>
-        <input
-          matInput
-          [min]="minDate"
-          [max]="maxDate"
-          [matDatepicker]="closeDatePicker"
-          matTooltip="{{ 'tooltips.loan product will become inactive and unavailable to clients' | translate }}"
-          formControlName="closeDate"
-        />
-        <mat-datepicker-toggle matSuffix [for]="closeDatePicker"></mat-datepicker-toggle>
-        <mat-datepicker #closeDatePicker></mat-datepicker>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
-        <mat-label>{{ 'labels.inputs.Description' | translate }}</mat-label>
-        <textarea
-          matInput
-          matTooltip="{{ 'tooltips.Provide additional information' | translate }}"
-          formControlName="description"
-          cdkTextareaAutosize
-          cdkAutosizeMinRows="2"
-        ></textarea>
-      </mat-form-field>
-    </div>
-  </div>
-
-  <!-- Interest Information -->
-  <div class="lpd-section">
-    <div class="lpd-section__header">
-      <i class="fas fa-percentage"></i>
-      <h3>Interest Information</h3>
-    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Debit Int. Calculation</mat-label>
-        <mat-select formControlName="debitIntCalculation">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Separate Penal Int.</mat-label>
-        <mat-select formControlName="separatePenalInterest">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Credit Int. Calculation</mat-label>
-        <mat-select formControlName="creditIntCalculation">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Sub A/c Type Balance</mat-label>
-        <mat-select formControlName="subAccountTypeBalance">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Final Int. Rounding</mat-label>
-        <mat-select formControlName="finalIntRounding">
-          @for (opt of yesNoOptions; track opt.value) {
-            <mat-option [value]="opt.value">{{ opt.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-
-      @if (loanProductDetailsForm.get('finalIntRounding')?.value) {
-        <mat-form-field appearance="outline" class="lpd-field">
-          <mat-label>Rounding UpTo</mat-label>
-          <input matInput type="number" formControlName="roundingUpTo" min="0" />
-        </mat-form-field>
-      }
-    </div>
-  </div>
-
-  <!-- Product Classification + GL Account — combined section -->
+  <!-- Product Type — picked first; it decides which sections the rest of the wizard shows -->
  <div class="lpd-section">
    <div class="lpd-section__header">
      <i class="fas fa-sitemap"></i>
-      <h3>Product Classification</h3>
+      <h3>Product Type</h3>
    </div>
-    <div class="lpd-grid">
-      <mat-form-field appearance="outline" class="lpd-field">
-        <mat-label>Product Type Group</mat-label>
-        <mat-select formControlName="productTypeGroup">
-          @for (group of productTypeGroups; track group.id) {
-            <mat-option [value]="group.id">{{ group.label }}</mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
+    <mat-radio-group formControlName="productTypeGroup" class="lpd-type-options">
+      @for (group of productTypeGroups; track group.id) {
+        <mat-radio-button [value]="group.id" class="lpd-type-option">
+          <span class="lpd-type-option__label">{{ group.label }}</span>
+          <span class="lpd-type-option__hint">{{ group.hint }}</span>
+        </mat-radio-button>
+      }
+    </mat-radio-group>

-      @if (loanProductDetailsForm.get('productTypeGroup')?.value) {
+    @if (loanProductDetailsForm.get('productTypeGroup')?.value) {
+      <div class="lpd-grid">
        <mat-form-field appearance="outline" class="lpd-field">
-          <mat-label>GL Account ({{ glClassificationLabel }})</mat-label>
-          <mat-select formControlName="glAccount">
-            @for (acc of availableGlAccounts; track acc.id) {
-              <mat-option [value]="acc.id"> ({{ acc.glCode }}) {{ acc.name }} </mat-option>
+          <mat-label>Product Sub Type</mat-label>
+          <mat-select formControlName="productTypeSubGroup" [required]="!isExistingProduct">
+            @for (subGroup of availableSubGroups; track subGroup.id) {
+              <mat-option [value]="subGroup.id">{{ subGroup.label }}</mat-option>
            }
          </mat-select>
-          <mat-error>GL Account is required</mat-error>
+          <mat-error>Product Sub Type is <strong>required</strong></mat-error>
        </mat-form-field>
-      }
-    </div>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>GL Account (Asset)</mat-label>
+          <mat-select
+            formControlName="glAccount"
+            [required]="!isExistingProduct"
+            matTooltip="Ledger GL of this product. Account numbers of its loan accounts are generated from this GL."
+          >
+            @for (acc of assetAccountOptions; track acc.id) {
+              <mat-option [value]="acc.id">({{ acc.glCode }}) {{ acc.name }}</mat-option>
+            }
+          </mat-select>
+          <mat-error>GL Account is <strong>required</strong></mat-error>
+        </mat-form-field>
+      </div>
+    }
  </div>
+
+  @if (!isProductTypeChosen) {
+    <div class="lpd-type-pending">
+      <i class="fas fa-circle-info"></i>
+      Select a Product Type and Sub Type to continue.
+    </div>
+  }
+
+  @if (isProductTypeChosen) {
+    <div class="lpd-section">
+      <div class="lpd-section__header">
+        <i class="fas fa-info-circle"></i>
+        <h3>{{ 'labels.inputs.Product Name' | translate }} &amp; {{ 'labels.inputs.Description' | translate }}</h3>
+      </div>
+      <div class="lpd-grid">
+        <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
+          <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
+          <input
+            matInput
+            formControlName="name"
+            matTooltip="{{ 'tooltips.Product name is a unique identifier' | translate }}"
+            required
+          />
+          <mat-error>
+            {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
+            <strong>{{ 'labels.commons.required' | translate }}</strong>
+          </mat-error>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>{{ 'labels.inputs.Short Name' | translate }}</mat-label>
+          <input
+            matInput
+            formControlName="shortName"
+            [maxlength]="isExistingProduct ? 4 : null"
+            matTooltip="{{ 'tooltips.Short name is a unique identifier' | translate }}"
+            required
+            (input)="normalizeShortName($event)"
+          />
+          @if (loanProductDetailsForm.get('shortName').hasError('pattern')) {
+            <mat-error>Short Name must be exactly <strong>2 capital letters</strong> (A–Z)</mat-error>
+          } @else {
+            <mat-error>
+              {{ 'labels.inputs.Short Name' | translate }} {{ 'labels.commons.is' | translate }}
+              <strong>{{ 'labels.commons.required' | translate }}</strong>
+            </mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field lpd-field--row-start" (click)="startDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Start Date' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="startDateMin"
+            [max]="startDateMax"
+            [matDatepicker]="startDatePicker"
+            matTooltip="{{ 'tooltips.loan product will be active and available to clients' | translate }}"
+            formControlName="startDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="startDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #startDatePicker></mat-datepicker>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field" (click)="closeDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Close Date' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="closeDateMin"
+            [max]="maxDate"
+            [matDatepicker]="closeDatePicker"
+            matTooltip="{{ 'tooltips.loan product will become inactive and unavailable to clients' | translate }}"
+            formControlName="closeDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="closeDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #closeDatePicker></mat-datepicker>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field lpd-field--full">
+          <mat-label>{{ 'labels.inputs.Description' | translate }}</mat-label>
+          <textarea
+            matInput
+            matTooltip="{{ 'tooltips.Provide additional information' | translate }}"
+            formControlName="description"
+            cdkTextareaAutosize
+            cdkAutosizeMinRows="2"
+          ></textarea>
+        </mat-form-field>
+      </div>
+    </div>
+
+    <div class="lpd-section">
+      <div class="lpd-section__header">
+        <i class="fas fa-flag"></i>
+        <h3>Regulatory Classification</h3>
+      </div>
+      <div class="lpd-grid">
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>Loan Product Category (RBI)</mat-label>
+          <mat-select formControlName="loanProductCategory">
+            @for (opt of loanProductCategoryOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>Priority Sector</mat-label>
+          <mat-select formControlName="prioritySector">
+            @for (opt of prioritySectorOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>CIBIL Account Type</mat-label>
+          <mat-select formControlName="cibilAccountType">
+            @for (opt of cibilAccountTypeOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>Key Fact Statement (KFS)</mat-label>
+          <mat-select formControlName="kfsEnabled">
+            @for (opt of yesNoOptions; track opt) {
+              <mat-option [value]="opt">{{ opt }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lpd-field">
+          <mat-label>APR Calculation</mat-label>
+          <mat-select formControlName="aprEnabled">
+            @for (opt of yesNoOptions; track opt) {
+              <mat-option [value]="opt">{{ opt }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
+    </div>
+  }
 </form>
@@ -61,6 +61,57 @@ $gray-900: #202124;
  &--full {
    grid-column: 1 / -1;
  }
+
+  // Starts a new row, so Start / Close Date sit together instead of one of them beside Short Name.
+  &--row-start {
+    grid-column-start: 1;
+  }
+}
+
+// Product Type — first section
+.lpd-type-options {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px;
+  padding: 16px 24px 0;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lpd-type-option {
+  border: 1px solid $border;
+  border-radius: 8px;
+  padding: 8px 12px;
+
+  &__label {
+    display: block;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__hint {
+    display: block;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.lpd-type-pending {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-top: 16px;
+  padding: 12px 24px;
+  border: 1px dashed $border;
+  border-radius: 10px;
+  font-size: 13px;
+  color: #5f6368;
+
+  i {
+    color: $accent;
+  }
 }

 .lpd-checkbox-row {
@@ -15,6 +15,7 @@ import { Dates } from 'app/core/utils/dates';
 import { SettingsService } from 'app/settings/settings.service';
 import { MatTooltip } from '@angular/material/tooltip';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';

@Component({
@@ -24,7 +25,9 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
  imports: [
    ...STANDALONE_SHARED_IMPORTS,
    MatTooltip,
-    CdkTextareaAutosize
+    CdkTextareaAutosize,
+    MatRadioGroup,
+    MatRadioButton
  ]
 })
 export class LoanProductDetailsStepComponent implements OnInit {
@@ -39,6 +42,14 @@ export class LoanProductDetailsStepComponent implements OnInit {
  minDate = new Date(2000, 0, 1);
  maxDate = new Date(new Date().setFullYear(new Date().getFullYear() + 10));

+  // Start Date policy: a new product must start on the current day — the picker allows only today
+  // (neither past nor future). Widened for an existing product so its saved start date stays valid.
+  startDateMin: Date = new Date();
+  startDateMax: Date = new Date();
+
+  // Close (End) Date accepts only future dates — default min is tomorrow; widened for an existing product.
+  closeDateMin: Date = new Date();
+
  /**
   * @param {FormBuilder} formBuilder Form Builder.
   * @param {Dates} dateUtils Date Utils.
@@ -50,90 +61,158 @@ export class LoanProductDetailsStepComponent implements OnInit {
  }

  ngOnInit() {
+    // Product Type is not persisted by the backend yet, so an existing product comes back without one.
+    // Only a new product is made to pick it first; editing must not hide or block the rest of the form.
+    this.isExistingProduct = !!this.loanProductsTemplate?.id;
+    if (!this.isExistingProduct) {
+      this.loanProductDetailsForm.get('productTypeGroup').setValidators(Validators.required);
+      this.loanProductDetailsForm.get('productTypeSubGroup').setValidators(Validators.required);
+      this.loanProductDetailsForm.get('glAccount').setValidators(Validators.required);
+      // A new product's short name is exactly two capital letters. Saved products keep the old 4-character
+      // rule, so an existing short name such as 'PW16' does not stop the product from being edited.
+      this.loanProductDetailsForm.get('shortName').setValidators([
+        Validators.required,
+        Validators.pattern(/^[A-Z]{2}$/)
+      ]);
+      this.loanProductDetailsForm.get('productTypeGroup').updateValueAndValidity({ emitEvent: false });
+      this.loanProductDetailsForm.get('productTypeSubGroup').updateValueAndValidity({ emitEvent: false });
+      this.loanProductDetailsForm.get('glAccount').updateValueAndValidity({ emitEvent: false });
+      this.loanProductDetailsForm.get('shortName').updateValueAndValidity({ emitEvent: false });
+    }
+
+    // A loan / advance is an asset of the bank, so its ledger GL is always an asset account.
+    this.assetAccountOptions = this.loanProductsTemplate?.accountingMappingOptions?.assetAccountOptions ?? [];
+
+    // Start Date: default to today for a new product and lock the picker to the current day.
+    // An existing product keeps the wider range so its saved date remains selectable/valid.
+    if (this.isExistingProduct) {
+      this.startDateMin = this.minDate;
+      this.startDateMax = this.maxDate;
+      this.closeDateMin = this.minDate;
+    } else {
+      this.startDateMin = new Date();
+      this.startDateMax = new Date();
+      const tomorrow = new Date();
+      tomorrow.setDate(tomorrow.getDate() + 1);
+      this.closeDateMin = tomorrow;
+    }
+
    this.loanProductDetailsForm.patchValue({
      name: this.loanProductsTemplate.name,
      shortName: this.loanProductsTemplate.shortName,
      description: this.loanProductsTemplate.description,
-      startDate: this.loanProductsTemplate.startDate && new Date(this.loanProductsTemplate.startDate),
+      startDate: this.loanProductsTemplate.startDate ? new Date(this.loanProductsTemplate.startDate) : new Date(),
      closeDate: this.loanProductsTemplate.closeDate && new Date(this.loanProductsTemplate.closeDate)
    });
-
-    const mappingOptions = this.loanProductsTemplate?.accountingMappingOptions ?? {};
-    this.assetAccountOptions = mappingOptions.assetAccountOptions ?? [];
-    this.liabilityAccountOptions = mappingOptions.liabilityAccountOptions ?? [];
-
-    this.loanProductDetailsForm.patchValue({
-      debitIntCalculation: this.loanProductsTemplate.debitIntCalculation ?? false,
-      separatePenalInterest: this.loanProductsTemplate.separatePenalInterest ?? false,
-      creditIntCalculation: this.loanProductsTemplate.creditIntCalculation ?? false,
-      subAccountTypeBalance: this.loanProductsTemplate.subAccountTypeBalance ?? false,
-      finalIntRounding: this.loanProductsTemplate.finalIntRounding ?? false,
-      roundingUpTo: this.loanProductsTemplate.roundingUpTo ?? null
-    });
  }

-  /** Product Classification data */
+  /** True when editing a saved product; see ngOnInit. */
+  isExistingProduct = false;
+
+  /** Product Type -- picked first, since it decides which sections the rest of the wizard shows. */
  readonly productTypeGroups = [
-    { id: 'loans', label: 'Loan' },
-    { id: 'advanced', label: 'Advanced' }
+    { id: 'advances', label: 'Advances A/C', hint: 'No EMI. Limit / drawing power against security.' },
+    { id: 'loans', label: 'Loans A/C', hint: 'Fixed disbursement, fixed tenure, EMI repayment.' }
  ];

-  readonly productTypeSubGroups: Record<string, { id: string; label: string }[]> = {
-    loans: [
-      { id: 'emi', label: 'EMI' },
-      { id: 'cc', label: 'CC (Cash Credit)' },
-      { id: 'overdraft', label: 'Overdraft' },
-      { id: 'warehouse', label: 'Warehouse' },
-      { id: 'gold', label: 'Gold' }
+  /** `shortName` is the two-letter code the product's Short Name is pre-filled with when the sub type is picked. */
+  readonly productTypeSubGroups: Record<string, { id: string; label: string; shortName: string }[]> = {
+    advances: [
+      { id: 'fd', label: 'Loan against FD', shortName: 'FD' },
+      { id: 'rd', label: 'Loan against RD', shortName: 'RD' },
+      { id: 'dds', label: 'Loan against DDS', shortName: 'DS' },
+      { id: 'lic', label: 'Loan against LIC Policy', shortName: 'LI' },
+      { id: 'gold', label: 'Loan against Gold', shortName: 'GD' },
+      { id: 'warehouse', label: 'Warehouse Receipt', shortName: 'WR' },
+      { id: 'cc', label: 'Cash Credit (CC)', shortName: 'CC' },
+      { id: 'overdraft', label: 'Overdraft (OD)', shortName: 'OD' },
+      { id: 'kcc', label: 'Kisan Credit Card (KCC)', shortName: 'KC' },
+      { id: 'bills', label: 'Bills Purchased / Discounted', shortName: 'BP' }
    ],
-    advanced: [
-      { id: 'fd', label: 'FD (Fixed Deposit)' },
-      { id: 'rd', label: 'RD (Recurring Deposit)' }
+    loans: [
+      { id: 'term', label: 'Term Loan', shortName: 'TL' },
+      { id: 'personal', label: 'Personal Loan', shortName: 'PL' },
+      { id: 'housing', label: 'Housing Loan', shortName: 'HL' },
+      { id: 'vehicle', label: 'Vehicle Loan', shortName: 'VL' },
+      { id: 'education', label: 'Education Loan', shortName: 'EL' },
+      { id: 'business', label: 'Business / MSME Loan', shortName: 'BL' },
+      { id: 'gold_emi', label: 'Gold EMI Loan', shortName: 'GE' }
    ]
  };

-  /** Default GL per product type group */
-  private readonly glDefaultMap: Record<string, string> = {
-    loans: 'asset',
-    advanced: 'asset'
-  };
+  /** Regulatory Classification options (UI-only; RBI / bureau reporting). */
+  readonly loanProductCategoryOptions = [
+    { id: 'advances_deposits', label: 'Advances against deposits' },
+    { id: 'gold_loan', label: 'Gold loan' },
+    { id: 'agriculture', label: 'Agriculture' },
+    { id: 'msme', label: 'MSME' },
+    { id: 'personal', label: 'Personal / retail' },
+    { id: 'housing', label: 'Housing' },
+    { id: 'other', label: 'Other' }
+  ];
+
+  readonly prioritySectorOptions = [
+    { id: 'yes', label: 'Yes' },
+    { id: 'no', label: 'No' }
+  ];
+
+  readonly cibilAccountTypeOptions = [
+    { id: 'loan_bank_deposits', label: 'Loan against Bank Deposits' },
+    { id: 'gold_loan', label: 'Gold Loan' },
+    { id: 'overdraft', label: 'Overdraft' },
+    { id: 'business_loan', label: 'Business Loan' },
+    { id: 'other', label: 'Other' }
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  /** The rest of the Details form stays hidden on a new product until its type and sub type are picked. */
+  get isProductTypeChosen(): boolean {
+    if (this.isExistingProduct) {
+      return true;
+    }
+    const value = this.loanProductDetailsForm.value;
+    return !!value.productTypeGroup && !!value.productTypeSubGroup;
+  }

  get availableSubGroups() {
    const group = this.loanProductDetailsForm.get('productTypeGroup')?.value;
    return group ? (this.productTypeSubGroups[group] ?? []) : [];
  }

-  get glOptions(): string[] {
-    return [
-      'asset',
-      'liability'
-    ];
-  }
-
+  /**
+   * Asset GLs offered for the product's ledger GL -- the GL the product's loan account numbers are
+   * generated from. Separate from the Accounting tab mappings, which drive the journal entries.
+   */
  assetAccountOptions: any[] = [];
-  liabilityAccountOptions: any[] = [];
-
-  get availableGlAccounts(): any[] {
-    const type = this.loanProductDetailsForm.get('glClassification')?.value;
-    if (type === 'asset') return this.assetAccountOptions;
-    if (type === 'liability') return this.liabilityAccountOptions;
-    return [];
-  }
-
-  get glClassificationLabel(): string {
-    const type = this.loanProductDetailsForm.get('glClassification')?.value;
-    return type === 'liability' ? 'Liability' : 'Asset';
-  }

  get selectedGroupLabel(): string {
    const group = this.loanProductDetailsForm.get('productTypeGroup')?.value;
    return this.productTypeGroups.find((g) => g.id === group)?.label ?? '';
  }

-  readonly yesNoOptions = [
-    { value: true, label: 'YES' },
-    { value: false, label: 'NO' }
-  ];
+  /**
+   * A new product's short name is two capital letters, so what is typed or pasted is upper-cased, anything
+   * that is not a letter is dropped, and only the first two letters are kept. Trimming here rather than with
+   * maxlength means a paste like 'g1old' still yields 'GO' instead of being cut to 'g1' first.
+   */
+  normalizeShortName(event: Event) {
+    if (this.isExistingProduct) {
+      return;
+    }
+    // Read from the input itself: this handler can run before the form control has taken the new value.
+    const typed = (event.target as HTMLInputElement).value ?? '';
+    const cleaned = typed
+      .toUpperCase()
+      .replace(/[^A-Z]/g, '')
+      .slice(0, 2);
+    if (cleaned !== typed) {
+      this.loanProductDetailsForm.get('shortName').setValue(cleaned);
+    }
+  }

  createLoanProductDetailsForm() {
    this.loanProductDetailsForm = this.formBuilder.group({
@@ -150,21 +229,26 @@ export class LoanProductDetailsStepComponent implements OnInit {
      closeDate: [''],
      productTypeGroup: [''],
      productTypeSubGroup: [''],
-      glClassification: ['asset'],
      glAccount: [''],
-      debitIntCalculation: [false],
-      separatePenalInterest: [false],
-      creditIntCalculation: [false],
-      subAccountTypeBalance: [false],
-      finalIntRounding: [false],
-      roundingUpTo: [null]
+      // Regulatory Classification (UI-only; stripped in buildPayload)
+      loanProductCategory: ['advances_deposits'],
+      prioritySector: ['no'],
+      cibilAccountType: ['loan_bank_deposits'],
+      kfsEnabled: ['YES'],
+      aprEnabled: ['YES']
    });

-    // Auto-set GL based on product type group
-    this.loanProductDetailsForm.get('productTypeGroup')?.valueChanges.subscribe((group: string) => {
-      const defaultVal = this.glDefaultMap[group] ?? 'asset';
-      this.loanProductDetailsForm.get('glClassification')?.setValue(defaultVal);
-      this.loanProductDetailsForm.get('glAccount')?.setValue('');
+    // A sub type belongs to one group, so changing the group clears it.
+    this.loanProductDetailsForm.get('productTypeGroup')?.valueChanges.subscribe(() => {
+      this.loanProductDetailsForm.get('productTypeSubGroup')?.setValue('');
+    });
+
+    // Picking a sub type pre-fills the Short Name with its code; the user can still change it.
+    this.loanProductDetailsForm.get('productTypeSubGroup')?.valueChanges.subscribe((subGroupId: string) => {
+      const subGroup = this.availableSubGroups.find((s) => s.id === subGroupId);
+      if (subGroup) {
+        this.loanProductDetailsForm.get('shortName').setValue(subGroup.shortName);
+      }
    });
  }

@@ -0,0 +1,106 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductPenalNpaForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-percent"></i>
+      <h3>Penal Charges</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Penal Charges Applicable</mat-label>
+        <mat-select formControlName="penalApplicable">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Penal Rate (% p.a.)</mat-label>
+        <input matInput type="number" formControlName="penalRate" min="0" max="100" step="0.01" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Applied On</mat-label>
+        <mat-select formControlName="penalAppliedOn">
+          @for (opt of appliedOnOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Penal Grace Days</mat-label>
+        <input matInput type="number" formControlName="penalGraceDays" min="0" />
+      </mat-form-field>
+      <div class="adv-field adv-field--full" style="grid-column: span 2">
+        <div class="adv-info">
+          RBI: penal charges are kept separate from interest, never capitalised, and shown in the Key Fact Statement.
+        </div>
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-triangle-exclamation"></i>
+      <h3>Asset Classification (SMA / NPA)</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Delinquency Bucket (SMA)</mat-label>
+        <mat-select formControlName="delinquencyBucketId">
+          <mat-option [value]="''">— None —</mat-option>
+          @for (bucket of delinquencyBucketOptions; track bucket.id) {
+            <mat-option [value]="bucket.id">{{ bucket.name }}</mat-option>
+          }
+        </mat-select>
+        <mat-hint>SMA 0–30 / 31–60 / 61–90</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>NPA After (days overdue)</mat-label>
+        <input matInput type="number" formControlName="npaDays" min="0" required />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>NPA Trigger</mat-label>
+        <mat-select formControlName="npaTrigger">
+          @for (opt of npaTriggerOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest after NPA</mat-label>
+        <mat-select formControlName="interestAfterNpa">
+          @for (opt of interestAfterNpaOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Grace on Arrears Ageing (days)</mat-label>
+        <input matInput type="number" formControlName="graceOnArrearsAgeing" min="0" />
+        <mat-hint>Days before an amount counts as overdue</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>In-Arrears Tolerance (₹)</mat-label>
+        <input matInput type="number" formControlName="inArrearsTolerance" min="0" />
+        <mat-hint>Small balance ignored for arrears</mat-hint>
+      </mat-form-field>
+    </div>
+    <div class="adv-subsection">
+      <div class="adv-checks">
+        <mat-checkbox formControlName="upgradeOnlyAllArrears">
+          Upgrade from NPA only when all arrears are cleared
+        </mat-checkbox>
+        <mat-checkbox formControlName="keepStandardIfDepositCovers">
+          Keep standard while the pledged deposit fully covers the dues
+        </mat-checkbox>
+      </div>
+    </div>
+  </div>
+</form>
@@ -0,0 +1,90 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, Input, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Penal charges & asset-classification (SMA / NPA) step for an Advances A/C product (Figma step 6).
+ * UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-penal-npa-step',
+  templateUrl: './loan-product-penal-npa-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox
+  ]
+})
+export class LoanProductPenalNpaStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  @Input() loanProductsTemplate: any;
+
+  loanProductPenalNpaForm: UntypedFormGroup;
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  readonly appliedOnOptions = [
+    { id: 'overdue', label: 'Overdue amount' },
+    { id: 'outstanding', label: 'Full outstanding' }
+  ];
+
+  readonly npaTriggerOptions = [
+    { id: 'maturity', label: 'Dues overdue after maturity' },
+    { id: 'out_of_order', label: 'Out of order 90 days (CC/OD)' }
+  ];
+
+  readonly interestAfterNpaOptions = [
+    { id: 'undebited', label: 'Move to Undebited Interest GL' },
+    { id: 'suspense', label: 'Move to Interest Suspense GL' }
+  ];
+
+  get delinquencyBucketOptions(): any[] {
+    return this.loanProductsTemplate?.delinquencyBucketOptions ?? [];
+  }
+
+  constructor() {
+    this.loanProductPenalNpaForm = this.formBuilder.group({
+      penalApplicable: ['YES'],
+      penalRate: [
+        2.0,
+        [
+          Validators.min(0),
+          Validators.max(100)
+        ]
+      ],
+      penalAppliedOn: ['overdue'],
+      penalGraceDays: [0],
+      delinquencyBucketId: [''],
+      npaDays: [
+        90,
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      npaTrigger: ['maturity'],
+      interestAfterNpa: ['undebited'],
+      graceOnArrearsAgeing: [0],
+      inArrearsTolerance: [0],
+      upgradeOnlyAllArrears: [true],
+      keepStandardIfDepositCovers: [true]
+    });
+  }
+
+  get loanProductPenalNpa() {
+    return this.loanProductPenalNpaForm.getRawValue();
+  }
+}
@@ -0,0 +1,69 @@
+<!--
+  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]="loanProductRenewalClosureForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-arrows-rotate"></i>
+      <h3>Limit Renewal</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Renewal Allowed</mat-label>
+        <mat-select formControlName="renewalAllowed">
+          @for (opt of yesNoOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Renewal Period (months)</mat-label>
+        <input matInput type="number" formControlName="renewalPeriodMonths" min="1" required />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Renewal Grace Days</mat-label>
+        <input matInput type="number" formControlName="renewalGraceDays" min="0" />
+        <mat-hint>Days allowed after the renewal date</mat-hint>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-door-open"></i>
+      <h3>Pre-closure</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Pre-closure Allowed</mat-label>
+        <mat-select formControlName="preclosureAllowed">
+          @for (opt of preclosureOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Lock-in Period (months)</mat-label>
+        <input matInput type="number" formControlName="lockInMonths" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest on Pre-closure</mat-label>
+        <mat-select formControlName="interestOnPreclosure">
+          @for (opt of preclosureInterestOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-circle-info"></i>
+    <span>Renewal and pre-closure <strong>fees</strong> are set once, on the Charges step.</span>
+  </div>
+</form>
@@ -0,0 +1,64 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Limit renewal & pre-closure rules for an Advances A/C product (Figma step 7). Fees live on the
+ * Charges step. UI-only for now — not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-renewal-closure-step',
+  templateUrl: './loan-product-renewal-closure-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [...STANDALONE_SHARED_IMPORTS]
+})
+export class LoanProductRenewalClosureStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductRenewalClosureForm: UntypedFormGroup;
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  readonly preclosureOptions = [
+    { id: 'anytime', label: 'Anytime' },
+    { id: 'after_lockin', label: 'After lock-in period' },
+    { id: 'not_allowed', label: 'Not allowed' }
+  ];
+
+  readonly preclosureInterestOptions = [
+    { id: 'till_closing', label: 'Till closing date (broken period)' },
+    { id: 'full_period', label: 'Full current period' }
+  ];
+
+  constructor() {
+    this.loanProductRenewalClosureForm = this.formBuilder.group({
+      renewalAllowed: ['YES'],
+      renewalPeriodMonths: [
+        12,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      renewalGraceDays: [30],
+      preclosureAllowed: ['anytime'],
+      lockInMonths: [0],
+      interestOnPreclosure: ['till_closing']
+    });
+  }
+
+  get loanProductRenewalClosure() {
+    return this.loanProductRenewalClosureForm.getRawValue();
+  }
+}
@@ -0,0 +1,160 @@
+<!--
+  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]="loanProductSecurityLienForm">
+  @if (!isAdvance) {
+    <div class="lsl-note">
+      <i class="fas fa-circle-info"></i>
+      Security &amp; Lien applies to an <strong>Advances A/C</strong> product. Choose it on the Details step.
+    </div>
+  }
+
+  @if (isAdvance) {
+    <div class="lsl-section">
+      <div class="lsl-section__header">
+        <i class="fas fa-shield-alt"></i>
+        <h3>Security &amp; Margin</h3>
+      </div>
+      <div class="lsl-grid">
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Security Type</mat-label>
+          <input matInput formControlName="securityType" matTooltip="Set from the Product Sub Type" />
+          <mat-hint>From Sub Type — not chosen again</mat-hint>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Eligible Amount Basis</mat-label>
+          <mat-select formControlName="eligibleAmountBasis" required>
+            @for (opt of eligibleAmountBasisOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+          <mat-error>Eligible Amount Basis is <strong>required</strong></mat-error>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>Margin (%)</mat-label>
+          <input matInput type="number" formControlName="margin" min="0" max="100" step="0.01" required />
+          <mat-hint>0 – 100. Drawing Power = security value × LTV</mat-hint>
+          @if (loanProductSecurityLienForm.get('margin').hasError('required')) {
+            <mat-error>Margin is <strong>required</strong></mat-error>
+          } @else {
+            <mat-error>Margin must be between 0 and 100</mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="lsl-field">
+          <mat-label>LTV (%)</mat-label>
+          <input matInput [value]="ltv" disabled />
+          <mat-hint>= 100 − Margin</mat-hint>
+        </mat-form-field>
+      </div>
+    </div>
+
+    @if (isLienSubType) {
+      <div class="lsl-section">
+        <div class="lsl-section__header">
+          <i class="fas fa-lock"></i>
+          <h3>Lien Settings</h3>
+          <span class="lsl-section__hint">FD · RD · DDS · LIC</span>
+        </div>
+
+        <div class="lsl-subsection">
+          <p class="lsl-group">Lien marking</p>
+          <div class="lsl-grid">
+            <mat-form-field appearance="outline" class="lsl-field">
+              <mat-label>Lien Required</mat-label>
+              <input matInput value="YES (mandatory)" disabled />
+            </mat-form-field>
+
+            <mat-form-field appearance="outline" class="lsl-field">
+              <mat-label>Lien Marking Stage</mat-label>
+              <mat-select formControlName="lienMarkingStage" required>
+                @for (opt of lienMarkingStageOptions; track opt.id) {
+                  <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+
+            <mat-form-field appearance="outline" class="lsl-field lsl-field--full">
+              <mat-label>Eligible Deposit Products</mat-label>
+              <mat-select formControlName="eligibleDepositProducts" multiple required>
+                @for (product of depositProductOptions; track product) {
+                  <mat-option [value]="product">{{ product }}</mat-option>
+                }
+              </mat-select>
+              <mat-hint>Only accounts of these deposit products can be pledged for this advance</mat-hint>
+              <mat-error>Pick at least one deposit product</mat-error>
+            </mat-form-field>
+          </div>
+        </div>
+
+        <div class="lsl-subsection">
+          <p class="lsl-group">Rules</p>
+          <div class="lsl-checks">
+            <mat-checkbox formControlName="tenureNotExceedMaturity">
+              Tenure cannot exceed deposit maturity date
+            </mat-checkbox>
+            <mat-checkbox formControlName="autoReleaseOnClosure">
+              Auto-release lien when the advance is closed
+            </mat-checkbox>
+            <mat-checkbox formControlName="allowMultipleDeposits">
+              Allow multiple deposits for one advance
+            </mat-checkbox>
+            <mat-checkbox formControlName="adjustFromMaturity">
+              Adjust advance from deposit proceeds at maturity
+            </mat-checkbox>
+            <mat-checkbox formControlName="allowThirdPartyDeposit">
+              Allow third-party deposit (consent letter required)
+            </mat-checkbox>
+            <mat-checkbox formControlName="allowRenewalUnderLien">
+              Allow deposit renewal under lien (lien carries forward)
+            </mat-checkbox>
+          </div>
+        </div>
+
+        <div class="lsl-subsection">
+          <p class="lsl-group">Lien certificate</p>
+          <div class="lsl-grid">
+            <mat-form-field appearance="outline" class="lsl-field">
+              <mat-label>Lien Certificate Required</mat-label>
+              <mat-select formControlName="lienCertificateRequired">
+                @for (opt of yesNoOptions; track opt) {
+                  <mat-option [value]="opt">{{ opt }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+
+            @if (loanProductSecurityLienForm.get('lienCertificateRequired').value === 'YES') {
+              <mat-form-field appearance="outline" class="lsl-field">
+                <mat-label>Certificate No. Prefix</mat-label>
+                <input matInput formControlName="lienCertificatePrefix" required />
+                <mat-error>Prefix is <strong>required</strong></mat-error>
+              </mat-form-field>
+
+              <mat-form-field appearance="outline" class="lsl-field">
+                <mat-label>Print on Disbursement</mat-label>
+                <mat-select formControlName="printOnDisbursement">
+                  @for (opt of yesNoOptions; track opt) {
+                    <mat-option [value]="opt">{{ opt }}</mat-option>
+                  }
+                </mat-select>
+              </mat-form-field>
+            }
+          </div>
+        </div>
+      </div>
+
+      <div class="lsl-note">
+        <i class="fas fa-circle-info"></i>
+        Interest basis and spread are set on the <strong>Interest</strong> step; the lien-certificate fee on the
+        <strong>Charges</strong> step.
+      </div>
+    }
+  }
+</form>
@@ -0,0 +1,117 @@
+/**
+ * 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/.
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.lsl-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    h3 {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+
+  &__hint {
+    margin-left: auto;
+    font-size: 12px;
+    color: #5f6368;
+  }
+}
+
+.lsl-subsection {
+  padding: 16px 24px;
+
+  & + & {
+    border-top: 1px solid $border;
+  }
+}
+
+.lsl-group {
+  margin: 0 0 12px;
+  font-size: 12px;
+  font-weight: 600;
+  letter-spacing: 0.06em;
+  text-transform: uppercase;
+  color: #5f6368;
+}
+
+.lsl-grid {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 4px 16px;
+  padding: 16px 24px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lsl-subsection .lsl-grid {
+  padding: 0;
+}
+
+.lsl-field {
+  width: 100%;
+
+  &--full {
+    grid-column: 1 / -1;
+  }
+}
+
+.lsl-checks {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 12px 32px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.lsl-note {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-top: 16px;
+  padding: 12px 24px;
+  border: 1px dashed $border;
+  border-radius: 10px;
+  font-size: 13px;
+  color: #5f6368;
+
+  i {
+    color: $accent;
+  }
+}
@@ -0,0 +1,196 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, Input, inject } from '@angular/core';
+import { AbstractControl, UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { MatTooltip } from '@angular/material/tooltip';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Security & Lien step, shown only for an "Advances A/C" product.
+ *
+ * For a deposit-backed advance (Loan against FD / RD / DDS / LIC) the bank marks a lien on the
+ * customer's own deposit. This step captures the product-level rules for that: the margin (from which
+ * the LTV and drawing power follow), which deposit products may be pledged, and the lien certificate.
+ *
+ * UI-only for now: its values are NOT sent in the create payload, because the backend has no column to
+ * store them yet. Once the satellite table lands, wire `loanProductSecurityLien` into the payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-security-lien-step',
+  templateUrl: './loan-product-security-lien-step.component.html',
+  styleUrls: ['./loan-product-security-lien-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatTooltip,
+    MatCheckbox
+  ]
+})
+export class LoanProductSecurityLienStepComponent implements OnInit {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  @Input() loanProductsTemplate: any;
+  /** The Details step's Product Type controls, so this step reacts to the chosen group / sub type. */
+  @Input() productTypeGroup: AbstractControl;
+  @Input() productTypeSubGroup: AbstractControl;
+
+  loanProductSecurityLienForm: UntypedFormGroup;
+
+  /** Sub type -> the security it is backed by. Only deposit / policy sub types get a lien section. */
+  private readonly securityTypeBySubGroup: Record<string, string> = {
+    fd: 'Fixed Deposit',
+    rd: 'Recurring Deposit',
+    dds: 'Daily Deposit Scheme',
+    lic: 'LIC Policy',
+    gold: 'Gold Ornaments',
+    warehouse: 'Warehouse Receipt',
+    cc: 'Stock / Book Debts',
+    overdraft: 'Deposit / Property'
+  };
+
+  /** Sub types whose security is lien-marked on a deposit (rather than pledged / hypothecated). */
+  private readonly lienSubGroups = [
+    'fd',
+    'rd',
+    'dds',
+    'lic'
+  ];
+
+  /** Default margin % per sub type (bank policy in real use); LTV is derived from it. */
+  private readonly defaultMarginBySubGroup: Record<string, number> = {
+    fd: 10,
+    rd: 10,
+    dds: 10,
+    lic: 40
+  };
+
+  readonly eligibleAmountBasisOptions = [
+    { id: 'balance_accrued', label: 'Deposit balance + accrued interest' },
+    { id: 'balance', label: 'Deposit balance only' },
+    { id: 'surrender', label: 'Surrender value (LIC)' }
+  ];
+
+  readonly lienMarkingStageOptions = [
+    { id: 'disbursement', label: 'At Disbursement' },
+    { id: 'sanction', label: 'At Sanction' }
+  ];
+
+  readonly depositProductOptions = [
+    'Fixed Deposit – Regular',
+    'Fixed Deposit – Senior Citizen',
+    'Recurring Deposit – Regular',
+    'Daily Deposit Scheme'
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  constructor() {
+    this.createForm();
+  }
+
+  ngOnInit() {
+    this.applySubGroup(this.productTypeSubGroup?.value);
+    // Keep Security Type and the default margin in step with the sub type chosen on the Details step.
+    this.productTypeSubGroup?.valueChanges.subscribe((subGroup: string) => this.applySubGroup(subGroup));
+  }
+
+  private applySubGroup(subGroup: string): void {
+    this.loanProductSecurityLienForm
+      .get('securityType')
+      .setValue(this.securityTypeBySubGroup[subGroup] ?? '', { emitEvent: false });
+    const margin = this.defaultMarginBySubGroup[subGroup];
+    if (margin != null && !this.loanProductSecurityLienForm.get('margin').dirty) {
+      this.loanProductSecurityLienForm.get('margin').setValue(margin, { emitEvent: false });
+    }
+  }
+
+  /** This whole step is only relevant to an Advances A/C product. */
+  get isAdvance(): boolean {
+    return this.productTypeGroup?.value === 'advances';
+  }
+
+  /** The lien block shows only for deposit / policy sub types; gold, warehouse, CC etc. are pledged. */
+  get isLienSubType(): boolean {
+    return this.lienSubGroups.includes(this.productTypeSubGroup?.value);
+  }
+
+  /** LTV = 100 − margin, shown read-only next to the margin. */
+  get ltv(): number | null {
+    const margin = this.loanProductSecurityLienForm.get('margin').value;
+    if (margin === null || margin === '' || isNaN(margin)) {
+      return null;
+    }
+    return 100 - Number(margin);
+  }
+
+  createForm() {
+    this.loanProductSecurityLienForm = this.formBuilder.group({
+      securityType: [{ value: '', disabled: true }],
+      eligibleAmountBasis: [
+        'balance_accrued',
+        Validators.required
+      ],
+      margin: [
+        10,
+        [
+          Validators.required,
+          Validators.min(0),
+          Validators.max(100)
+        ]
+      ],
+      lienMarkingStage: [
+        'disbursement',
+        Validators.required
+      ],
+      eligibleDepositProducts: [
+        ['Fixed Deposit – Regular'],
+        Validators.required
+      ],
+      tenureNotExceedMaturity: [true],
+      autoReleaseOnClosure: [true],
+      allowMultipleDeposits: [false],
+      adjustFromMaturity: [true],
+      allowThirdPartyDeposit: [false],
+      allowRenewalUnderLien: [true],
+      lienCertificateRequired: ['YES'],
+      lienCertificatePrefix: [
+        'LC/FD/',
+        Validators.required
+      ],
+      printOnDisbursement: ['YES']
+    });
+  }
+
+  /** Flat values for the payload. Not wired into submit yet — see the class comment. */
+  get loanProductSecurityLien() {
+    const value = this.loanProductSecurityLienForm.getRawValue();
+    return {
+      securityType: value.securityType,
+      eligibleAmountBasis: value.eligibleAmountBasis,
+      margin: value.margin,
+      ltv: this.ltv,
+      lienMarkingStage: value.lienMarkingStage,
+      eligibleDepositProducts: value.eligibleDepositProducts,
+      lienRules: {
+        tenureNotExceedMaturity: value.tenureNotExceedMaturity,
+        autoReleaseOnClosure: value.autoReleaseOnClosure,
+        allowMultipleDeposits: value.allowMultipleDeposits,
+        adjustFromMaturity: value.adjustFromMaturity,
+        allowThirdPartyDeposit: value.allowThirdPartyDeposit,
+        allowRenewalUnderLien: value.allowRenewalUnderLien
+      },
+      lienCertificateRequired: value.lienCertificateRequired,
+      lienCertificatePrefix: value.lienCertificatePrefix,
+      printOnDisbursement: value.printOnDisbursement
+    };
+  }
+}
@@ -71,6 +71,16 @@
  }
 }

+.lps-panel {
+  & + & {
+    margin-top: 12px;
+  }
+
+  .lps-section__body {
+    padding-top: 8px;
+  }
+}
+
 .lps-full-width {
  grid-column: 1 / -1;
 }
@@ -22,6 +22,12 @@ import { MatTooltip } from '@angular/material/tooltip';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { MatIconButton } from '@angular/material/button';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import {
+  MatAccordion,
+  MatExpansionPanel,
+  MatExpansionPanelHeader,
+  MatExpansionPanelTitle
+} from '@angular/material/expansion';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';

@Component({
@@ -35,7 +41,11 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
    MatCheckbox,
    MatIconButton,
    FaIconComponent,
-    ReactiveFormsModule
+    ReactiveFormsModule,
+    MatAccordion,
+    MatExpansionPanel,
+    MatExpansionPanelHeader,
+    MatExpansionPanelTitle
  ]
 })
 export class LoanProductSettingsStepComponent implements OnInit {
@@ -44,9 +54,35 @@ export class LoanProductSettingsStepComponent implements OnInit {

  @Input() toEdit: boolean;
  @Input() loanProductsTemplate: any;
-  @Input() isLinkedToFloatingInterestRates: UntypedFormControl;
+  @Input() productTypeGroup: UntypedFormControl;
  @Output() advancePaymentStrategy = new EventEmitter<string>();

+  /**
+   * Provided from the Terms step's control. It can arrive after this component's ngOnInit (the Terms tab
+   * resolves later now that the tabs are conditional), so subscribe from the setter when it is present
+   * rather than assuming it in ngOnInit — otherwise a null control blanks the whole wizard.
+   */
+  private _isLinkedToFloatingInterestRates: UntypedFormControl;
+  private isLinkedSubscribed = false;
+
+  @Input()
+  set isLinkedToFloatingInterestRates(control: UntypedFormControl) {
+    this._isLinkedToFloatingInterestRates = control;
+    if (control && !this.isLinkedSubscribed) {
+      this.isLinkedSubscribed = true;
+      control.valueChanges.subscribe((isLinked: any) => {
+        if (isLinked) {
+          this.loanProductSettingsForm.get('isInterestRecalculationEnabled').setValue(true);
+          this.loanProductSettingsForm.get('allowPartialPeriodInterestCalculation').setValue(true);
+        }
+      });
+    }
+  }
+
+  get isLinkedToFloatingInterestRates(): UntypedFormControl {
+    return this._isLinkedToFloatingInterestRates;
+  }
+
  loanProductSettingsForm: UntypedFormGroup;

  amortizationTypeData: any;
@@ -74,6 +110,15 @@ export class LoanProductSettingsStepComponent implements OnInit {
  daysInYearCustomStrategyOptions: OptionData[] = [];
  useDaysInYearCustomStrategy = false;

+  /** True when the product being created is an "Advances A/C" (no-EMI, limit-based) product. */
+  isAdvanceAccount = false;
+
+  /** UI-only for now; not yet wired into the submitted payload (see loan-products.ts buildPayload). */
+  readonly loanPeriodOptions = [
+    { value: 12, label: '12 Months' },
+    { value: 15, label: '15 Months' }
+  ];
+
  /** Values to Days for Repayments */
  defaultConfigValues: GlobalConfiguration[] = [];

@@ -84,12 +129,13 @@ export class LoanProductSettingsStepComponent implements OnInit {

  ngOnInit() {
    this.defaultConfigValues = this.loanProductsTemplate['itemsByDefault'];
-    this.isLinkedToFloatingInterestRates.valueChanges.subscribe((isLinkedToFloatingInterestRates: any) => {
-      if (isLinkedToFloatingInterestRates) {
-        this.loanProductSettingsForm.get('isInterestRecalculationEnabled').setValue(true);
-        this.loanProductSettingsForm.get('allowPartialPeriodInterestCalculation').setValue(true);
-      }
-    });
+
+    if (this.productTypeGroup) {
+      this.applyAdvanceAccountRules(this.productTypeGroup.value === 'advances');
+      this.productTypeGroup.valueChanges.subscribe((productTypeGroup: string) => {
+        this.applyAdvanceAccountRules(productTypeGroup === 'advances');
+      });
+    }

    this.amortizationTypeData = this.loanProductsTemplate.amortizationTypeOptions;
    this.interestTypeData = this.loanProductsTemplate.interestTypeOptions;
@@ -334,6 +380,8 @@ export class LoanProductSettingsStepComponent implements OnInit {
        Validators.required
      ],
      allowAccrualPostingInArrears: [false],
+      // Advances A/C only; UI-only for now, stripped from the payload in loan-products.ts buildPayload().
+      loanPeriod: [''],

      // Cheque Book Settings
      chequeBookIssueEnabled: ['NO'],
@@ -453,6 +501,28 @@ export class LoanProductSettingsStepComponent implements OnInit {
    }
  }

+  /**
+   * Advances A/C has no EMI, so the Loan Schedule section is simplified: schedule type is locked to
+   * Cumulative (Progressive only makes sense with Advanced Payment Allocation, which is an EMI concept),
+   * installment-amount fixing doesn't apply, and Days in year/month are replaced by a placeholder
+   * Loan Period pick. loanScheduleType/canDefineInstallmentAmount stay enabled (not `.disable()`d) so they
+   * remain in `loanProductSettingsForm.value` and the submitted payload is unaffected by this UI change.
+   */
+  private applyAdvanceAccountRules(isAdvance: boolean): void {
+    this.isAdvanceAccount = isAdvance;
+    const loanPeriodControl = this.loanProductSettingsForm.get('loanPeriod');
+    if (isAdvance) {
+      this.loanProductSettingsForm.patchValue({
+        loanScheduleType: LoanProducts.LOAN_SCHEDULE_TYPE_CUMULATIVE,
+        canDefineInstallmentAmount: false
+      });
+      loanPeriodControl.setValidators(Validators.required);
+    } else {
+      loanPeriodControl.clearValidators();
+    }
+    loanPeriodControl.updateValueAndValidity();
+  }
+
  setConditionalControls() {
    const allowAttributeOverrides = this.loanProductSettingsForm.get('allowAttributeOverrides');

@@ -264,6 +264,62 @@
    }
  </div>

+  <!-- Interest Information (moved here from the Details tab, next to the interest rates it qualifies) -->
+  <div class="lpt-section">
+    <div class="lpt-section-header">
+      <i class="fas fa-percentage lpt-section-icon"></i>
+      <h3>Interest Information</h3>
+    </div>
+    <div class="lpt-grid">
+      <mat-form-field appearance="outline">
+        <mat-label>Debit Int. Calculation</mat-label>
+        <mat-select formControlName="debitIntCalculation">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Separate Penal Int.</mat-label>
+        <mat-select formControlName="separatePenalInterest">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Credit Int. Calculation</mat-label>
+        <mat-select formControlName="creditIntCalculation">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Sub A/c Type Balance</mat-label>
+        <mat-select formControlName="subAccountTypeBalance">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline">
+        <mat-label>Final Int. Rounding</mat-label>
+        <mat-select formControlName="finalIntRounding">
+          <mat-option [value]="true">YES</mat-option>
+          <mat-option [value]="false">NO</mat-option>
+        </mat-select>
+      </mat-form-field>
+
+      @if (loanProductTermsForm.value.finalIntRounding) {
+        <mat-form-field appearance="outline">
+          <mat-label>Rounding UpTo</mat-label>
+          <input matInput type="number" formControlName="roundingUpTo" min="0" />
+        </mat-form-field>
+      }
+    </div>
+  </div>
+
  <!-- Interest Rate Slabs Section -->
  <div class="lpt-section">
    <div class="lpt-section-header">
@@ -111,7 +111,13 @@ export class LoanProductTermsStepComponent implements OnInit, OnChanges {
      repaymentStartDateType: this.loanProductsTemplate.repaymentStartDateType.id || 1,
      debitBalanceAllow: this.loanProductsTemplate.debitBalanceAllow ?? false,
      allowDebitTransAfterDueDate: this.loanProductsTemplate.allowDebitTransAfterDueDate ?? false,
-      branchLevelAccountType: this.loanProductsTemplate.branchLevelAccountType ?? false
+      branchLevelAccountType: this.loanProductsTemplate.branchLevelAccountType ?? false,
+      debitIntCalculation: this.loanProductsTemplate.debitIntCalculation ?? false,
+      separatePenalInterest: this.loanProductsTemplate.separatePenalInterest ?? false,
+      creditIntCalculation: this.loanProductsTemplate.creditIntCalculation ?? false,
+      subAccountTypeBalance: this.loanProductsTemplate.subAccountTypeBalance ?? false,
+      finalIntRounding: this.loanProductsTemplate.finalIntRounding ?? false,
+      roundingUpTo: this.loanProductsTemplate.roundingUpTo ?? null
    });

    if (this.loanProductsTemplate.allowApprovedDisbursedAmountsOverApplied) {
@@ -213,7 +219,14 @@ export class LoanProductTermsStepComponent implements OnInit, OnChanges {
      fixedLength: [null],
      debitBalanceAllow: [false],
      allowDebitTransAfterDueDate: [false],
-      branchLevelAccountType: [false]
+      branchLevelAccountType: [false],
+      // Interest Information (moved here from the Details tab)
+      debitIntCalculation: [false],
+      separatePenalInterest: [false],
+      creditIntCalculation: [false],
+      subAccountTypeBalance: [false],
+      finalIntRounding: [false],
+      roundingUpTo: [null]
    });
  }

@@ -45,9 +45,29 @@ export class LoanProducts {
      dateFormat,
      locale
    };
-    // Remove unnecessary properties
+    // Remove UI-only flags that are never valid loan-product parameters (both paths).
    delete loanProduct.allowAttributeConfiguration;
    delete loanProduct.advancedAccountingRules;
+    delete loanProduct.loanPeriod;
+
+    // The Advances payload is assembled explicitly in the create component and already carries only
+    // whitelisted params (core Fineract fields + satellite ADVANCE_PARAMETERS), so it is NOT stripped.
+    // For the Loans path, the Details/Security fields below are not backend params, so drop them.
+    if (loanProduct.productTypeGroup !== 'advances') {
+      delete loanProduct.productTypeGroup;
+      delete loanProduct.productTypeSubGroup;
+      delete loanProduct.glAccount;
+      delete loanProduct.loanProductCategory;
+      delete loanProduct.prioritySector;
+      delete loanProduct.cibilAccountType;
+      delete loanProduct.kfsEnabled;
+      delete loanProduct.aprEnabled;
+      delete loanProduct.securityType;
+      delete loanProduct.lienCertificateRequired;
+      delete loanProduct.securityMargin;
+      delete loanProduct.dpType;
+      delete loanProduct.dpValue;
+    }

    // In Fineract, the POST and PUT endpoints for /v1/loanproducts have a typo in the field
    // allowPartialPeriodInterestCalculation. Until that is fixed, we need to replace the field name in the payload.
@@ -106,6 +106,9 @@ import { ChargesTemplateAndResolver } from './charges/charges-template-and-resol
 import { EditFixedDepositProductComponent } from './fixed-deposit-products/edit-fixed-deposit-product/edit-fixed-deposit-product.component';
 import { FixedDepositProductAndTemplateResolver } from './fixed-deposit-products/edit-fixed-deposit-product/fixed-deposit-product-and-template.resolver';
 import { BaseFdInterestRateChartComponent } from './fixed-deposit-products/base-fd-interest-rate-chart/base-fd-interest-rate-chart.component';
+import { LoanInterestRateRegisterComponent } from './loan-interest-rate-register/loan-interest-rate-register.component';
+import { EditRegisterComponent } from './loan-interest-rate-register/edit-register/edit-register.component';
+import { CibilAdjustmentComponent } from './loan-interest-rate-register/cibil-adjustment/cibil-adjustment.component';
 import { CollateralResolver } from './collaterals/collateral.resolver';
 import { CollateralsResolver } from './collaterals/collaterals.resolver';
 import { CollateralTemplateResolver } from './collaterals/collaterals-template.resolver';
@@ -894,6 +897,26 @@ const routes: Routes = [
            }
          ]
        },
+        {
+          path: 'loan-interest-rate-register',
+          data: { title: 'Loan Interest Rate Register', breadcrumb: 'Loan Interest Rate Register' },
+          children: [
+            {
+              path: '',
+              component: LoanInterestRateRegisterComponent
+            },
+            {
+              path: 'edit',
+              component: EditRegisterComponent,
+              data: { title: 'Edit Register', breadcrumb: 'Edit' }
+            },
+            {
+              path: 'cibil',
+              component: CibilAdjustmentComponent,
+              data: { title: 'CIBIL Adjustment', breadcrumb: 'CIBIL Adjustment' }
+            }
+          ]
+        },
        {
          path: 'charges',
          data: { title: 'Charges', breadcrumb: 'Charges' },
@@ -106,6 +106,19 @@
      </a>
    </div>

+    <div>
+      <a class="pd-card" [routerLink]="['loan-interest-rate-register']" *mifosxHasPermission="'READ_LOANPRODUCT'">
+        <div class="pd-card__icon pd-card__icon--blue">
+          <i class="fas fa-percentage"></i>
+        </div>
+        <div class="pd-card__body">
+          <h3 class="pd-card__title">Loan Interest Rate Register</h3>
+          <p class="pd-card__desc">Maintain central CIBIL-based interest rates for all loan products</p>
+        </div>
+        <i class="fas fa-chevron-right pd-card__arrow"></i>
+      </a>
+    </div>
+
    <div #recurringDepositProducts>
      <a
        class="pd-card"
Author	SHA1	Message	Date
Sonali LikhitkarandClaude Sonnet 5.5	7c868ae073	feat(loan-products): add loan interest rate register UI - Add Loan Interest Rate Register screen with CIBIL adjustment and edit-register views, backed by rate-register service and model - Wire the new screen into products routing and the products menu - Update loan product details and advance limit/tenure steps Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>	2026-10-05 16:20:36 +05:30
Sonali LikhitkarandClaude Sonnet 5.5	283ab2f733	feat(loan-products): add advance loan product stepper steps Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>	2026-09-29 18:06:08 +05:30
niteshandClaude Sonnet 5	3f59cc6b91	fix(cashier): route FD/RD cashier deposits through maker-checker approval SYMPTOM A cashier could credit an FD or RD account with cash from Transaction Entry and the money moved in instantly, with no Manager approval - unlike a Savings/Current deposit from the same screen, which correctly creates a PENDING request under Approvals. ROOT CAUSE confirmSubmit()'s maker-checker branch for a cashier deposit only matched row.acTyp in ('SD','CA','CB','GL'): if (!this.isClerk && !this.reviewMode && isDeposit && (row.acTyp === 'SD' \|\| row.acTyp === 'CA' \|\| row.acTyp === 'CB' \|\| row.acTyp === 'GL')) { this.submitCashierDepositRequest(row, ...); return; } 'FD' and 'RD' are their own distinct account-type codes in this component (see creditEntryAccountType(): 'FD' -> 'FIXED_DEPOSIT', 'RD' -> 'RECURRING_DEPOSIT', separate from 'SD'/'CA'/'CB') and were simply never in this list, so a deposit into either fell through every later branch (all of which are withdrawal/disbursement-only) straight to the generic, unguarded direct POST at the bottom of confirmSubmit(). Found by tracing why a real FD funding deposit never showed up under Branch Ops -> Approvals: it had posted directly, no request record ever existed for it, and it later showed up as an unexplained cash "Excess" in the Branch Day Register close (the money was physically counted by the cashier via denominationBreakdown in the same direct POST, but the approved-requests-only "book" total never counted it - see the paired backend commit for the matching approve()-side fix and how that stale data artifact was cleaned up). FIX Added 'FD' and 'RD' to the account-type list in that gate, so a cashier's FD/RD deposit now creates a PENDING m_cashier_deposit_request via submitCashierDepositRequest() exactly like SD/CA/CB/GL already did. buildDepositPayload() needed no changes - it already resolves accountType via creditEntryAccountType() and sets savingsAccountId to the FD/RD account's own id correctly; only this one gate condition excluded them. SCOPE This one condition, in this one method. Every other account type's existing deposit/withdrawal behavior on this screen is unchanged. IF THIS BREAKS SOMETHING LATER - A cashier FD/RD deposit posting instantly again (no PENDING request created) -> check this gate's account-type list still includes 'FD'/'RD', and that isClerk/reviewMode aren't being set unexpectedly for a cashier session. - The backend rejecting or misrouting the resulting APPROVED request -> see the paired fix in CashierDepositRequestApiResource (cbsnexora-backend), resolveDepositAccountCategory() / executeFixedDepositDeposit() / executeRecurringDepositDeposit(). - A "Vault + Cashiers" vs "book" Excess reappearing in Branch Day Register close for a specific FD/RD deposit -> that combination (physically counted denomination with no approved request) should be impossible with this fix in place; if it recurs, this fix (or its backend half) has regressed. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>	2026-09-23 14:27:16 +05:30
niteshandClaude Sonnet 5	b0777e9845	fix(deposits): FD Single Rate Calculator sent tenureInMonths=0 for tenures under 30 days SYMPTOM FD Single account create screen, Rate Calculator: entering a tenure under 30 days (e.g. 27) and clicking "Find Rate" produced a Bad Request - "The parameter `tenureInMonths` must be greater than 0." ROOT CAUSE calculateRate() (fixed-deposit-account-interest-rate-chart-step. component.ts) always converted the Days-unit tenure to months before calling the backend calculator: tenureInMonths = Math.floor(enteredDays / 30) For any tenure under 30 days this floors to 0, which the backend correctly rejects (paired backend commit: "FD Single Rate Calculator crashed for tenures under 30 days"). FIX - fixed-deposits.service.ts: calculateFixedDepositInterest() - tenureInMonths is now optional, added optional tenureInDays. - fixed-deposit-account-interest-rate-chart-step.component.ts - calculateRate(): for a Days-unit tenure >= 30 days, unchanged (tenureInMonths = floor(days/30)); for < 30 days, sends tenureInDays instead and leaves tenureInMonths undefined. Also fixed the API-failure fallback's periodic-compounding math, which divided by tenureInMonths directly and would have produced NaN once tenureInMonths could legitimately be undefined - it now falls back to (enteredDays / 30) when tenureInMonths is absent. SCOPE Only the Rate Calculator preview inside the FD Single/Double/Special account create screen. Does not touch how depositPeriod / depositPeriodFrequencyId get sent on actual account submission. IF THIS BREAKS SOMETHING LATER - The same 400 reappearing for a short FD Single tenure -> confirm the Find Rate network call carries tenureInDays and NOT a zero tenureInMonths; check calculateRate()'s branch choosing between the two. - A wrong maturity preview number specifically when the backend API call fails and the frontend falls back to its own formula -> check the `effectiveMonths = tenureInMonths ?? enteredDays / 30` fallback line in calculateRate(). Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>	2026-09-23 14:21:57 +05:30