feat(loan-products): build out Loans A/C (EMI) stepper and wire it to the rate register

Adds the curated Loans A/C steps (security/collateral, amount & tenure,
repayment & EMI, interest, prepayment & closure) and a product-type
picker (loan-product-types.ts) shared by the create wizard, product
list and account picker. The interest step and a new register-rate-view
read the live Loan Interest Rate Register for a product's chart/CIBIL
rate instead of a hardcoded value, and a new loan-product-catalog
service + template card back the loan account stepper's product pick.

Also carries forward in-progress Loan Interest Rate Register UI work:
an inline Add Slab panel (replacing window.prompt) and a Submit Details
dialog for confirming name/effective dates before submitting for
approval.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

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

@@ -353,12 +353,7 @@
       <div class="gl-fgroup">
         <label class="gl-flabel"><fa-icon icon="calendar-check"></fa-icon> Submitted From</label>
         <mat-form-field appearance="outline" class="gl-ffield">
-          <input
-            matInput
-            [matDatepicker]="dpSubFrom"
-            [min]="minDate"
-            [formControl]="submittedOnDateFrom"
-          />
+          <input matInput [matDatepicker]="dpSubFrom" [min]="minDate" [formControl]="submittedOnDateFrom" />
           <mat-datepicker-toggle matSuffix [for]="dpSubFrom"></mat-datepicker-toggle>
           <mat-datepicker #dpSubFrom></mat-datepicker>
         </mat-form-field>

src/app/cashier/account-register/account-register.component.ts

@@ -12,6 +12,7 @@ import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
 import { catchError, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface RegisterRow {
   accountId: number;
@@ -83,7 +84,7 @@ export class AccountRegisterComponent implements OnInit {
 
   /** Local date — toISOString() would shift the day in any timezone behind UTC. */
   private today(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 

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

@@ -11,6 +11,7 @@ import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
 import { ExportSheetSpec, exportWorkbook } from '../cashier-export';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface SummaryRow {
   code: string;
@@ -1316,7 +1317,7 @@ export class CashClearingTransferSummaryComponent {
   private dateTag = '2607';
 
   constructor() {
-    const d = new Date();
+    const d = businessToday();
     this.asOnDate = `${String(d.getDate()).padStart(2, '0')}-${String(d.getMonth() + 1).padStart(2, '0')}-${d.getFullYear()}`;
     this.dateTag = `${String(d.getFullYear()).slice(-2)}${String(d.getMonth() + 1).padStart(2, '0')}`;
 

src/app/cashier/cash-exchange-entry/cash-exchange-entry.component.ts

@@ -12,6 +12,7 @@ import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
 import { MatSnackBar, MatSnackBarModule } from '@angular/material/snack-bar';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface Denom {
   id: number;
@@ -63,7 +64,7 @@ export class CashExchangeEntryComponent implements OnInit {
   }
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.exchangeDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service.getActiveDenominations().subscribe({
       next: (list) => {

src/app/cashier/cash-settlement/cash-settlement.component.ts

@@ -18,6 +18,7 @@ import { MatInputModule } from '@angular/material/input';
 import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 type PageState = 'loading' | 'no-cashier' | 'needs-reconciliation' | 'already-settled' | 'form';
 
@@ -90,7 +91,7 @@ export class CashSettlementComponent implements OnInit {
   saving = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.settlementDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service
       .getTellers()

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

@@ -17,6 +17,7 @@ import { MatInputModule } from '@angular/material/input';
 import { of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface Denom {
   id: number;
@@ -82,7 +83,7 @@ export class CashTransferComponent implements OnInit {
   loadingVault = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.transferDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service.getActiveDenominations().subscribe({
       next: (list) => {

src/app/cashier/cashier-position/cashier-position.component.ts

@@ -17,6 +17,7 @@ import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface DenomRow {
   denominationId: number;
@@ -71,7 +72,7 @@ export class CashierPositionComponent implements OnInit {
   isCashierMode = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     this.isCashierMode = this.authService.isCashierUser();

src/app/cashier/closing-cash-report/closing-cash-report.component.ts

@@ -12,6 +12,7 @@ import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
 import { MatPaginatorModule, PageEvent } from '@angular/material/paginator';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /** Day-wise denomination-wise closing cash collected from deposits. */
 @Component({
@@ -204,7 +205,7 @@ export class ClosingCashReportComponent implements OnInit {
   }
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.date = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.load();
     this.service.getTellers().subscribe({ next: (t: any[]) => (this.tellers = t || []), error: () => {} });

src/app/cashier/day-book/day-book.component.ts

@@ -13,6 +13,7 @@ import { MatIconModule } from '@angular/material/icon';
 import { Router } from '@angular/router';
 import { catchError, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /**
  * Which part of the day's work a row came from. Set by the server, one per source register.
@@ -95,7 +96,7 @@ export class DayBookComponent implements OnInit {
 
   /** Local date as yyyy-MM-dd — toISOString() would shift the day in any timezone behind UTC. */
   private today(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 

src/app/cashier/inter-cashier-transfer/inter-cashier-transfer.component.ts

@@ -17,6 +17,7 @@ import { MatInputModule } from '@angular/material/input';
 import { of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface Denom {
   id: number;
@@ -79,7 +80,7 @@ export class InterCashierTransferComponent implements OnInit {
   }
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.transferDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service.getActiveDenominations().subscribe({
       next: (list) => {

src/app/cashier/my-work/my-work.component.ts

@@ -14,6 +14,7 @@ import { MatDialog, MatDialogModule } from '@angular/material/dialog';
 import { catchError, finalize, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
 import { VoucherDetailDialogComponent } from './voucher-detail-dialog.component';
+import { businessToday } from 'app/core/utils/business-today';
 
 /** What the signed-in user's part in a voucher was. */
 export type MyRole = 'RAISED' | 'VERIFIED' | 'RAISED_AND_VERIFIED';
@@ -357,7 +358,7 @@ export class MyWorkComponent implements OnInit {
   }
 
   private todayIso(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 }

src/app/cashier/reconciliation/reconciliation.component.ts

@@ -18,6 +18,7 @@ import { MatTabsModule } from '@angular/material/tabs';
 import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface DenomRow {
   denominationId: number;
@@ -85,7 +86,7 @@ export class ReconciliationComponent implements OnInit {
   loadingHistory = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.reconDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service
       .getTellers()

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

@@ -33,6 +33,7 @@ import {
 import { SponsorDDService } from '../../sponsor-dd/sponsor-dd.service';
 import { OrganizationService } from '../../organization/organization.service';
 import { CashierIssueDdDialogComponent } from './cashier-issue-dd-dialog.component';
+import { businessToday, businessTodayIso } from 'app/core/utils/business-today';
 
 interface TxnRow {
   typ: string;
@@ -621,7 +622,7 @@ export class AccountStatementDialogComponent implements OnInit {
 
   @ViewChild('statementContent') statementContent!: ElementRef;
 
-  today = new Date().toISOString().slice(0, 10);
+  today = businessTodayIso();
   fromDate = '';
   toDate = this.today;
 
@@ -1870,7 +1871,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   saving = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.today = `${String(d.getDate()).padStart(2, '0')}/${String(d.getMonth() + 1).padStart(2, '0')}/${d.getFullYear()}`;
     this.addRow();
     this.loadDenominations();
@@ -2103,7 +2104,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   private loadOpeningPosition(): void {
-    const d = new Date();
+    const d = businessToday();
     const asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.cashierService
       .getCashierPositionForMe(asOfDate)
@@ -2837,7 +2838,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     fundingAccountId: number,
     fundingClientId: number | null
   ): void {
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     const isCurrent = row.acTyp === 'CA' || row.acTyp === 'CB';
     const isGl = row.acTyp === 'GL';
@@ -2969,7 +2970,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     const isCurrent = row.acTyp === 'CA' || row.acTyp === 'CB';
 
@@ -3068,7 +3069,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     const payload = {
@@ -3391,7 +3392,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const requestedDate = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 
     // Full snapshot of the CR (settlement) row exactly as the clerk filled it in — saved verbatim
@@ -3512,7 +3513,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const requestedDate = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 
     // Full snapshot of the CR (settlement) row exactly as the clerk filled it in — saved verbatim
@@ -4173,7 +4174,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   ): void {
     const accountUrl = `${cfg.detail}/${accountId}${cfg.detailParams ?? '?associations=all'}`;
     const todayStr = (() => {
-      const d = new Date();
+      const d = businessToday();
       return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     })();
 
@@ -4549,7 +4550,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   get todayIso(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 
@@ -5071,7 +5072,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       this.sameDayChequeClearing = 0;
       return;
     }
-    const today = new Date();
+    const today = businessToday();
     const sameDay = (d: any) => {
       if (!d) return false;
       const t = Array.isArray(d) && d.length >= 3 ? new Date(d[0], d[1] - 1, d[2]) : new Date(d);
@@ -5959,7 +5960,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const txnDate = `${String(today.getDate()).padStart(2, '0')}/${String(today.getMonth() + 1).padStart(2, '0')}/${today.getFullYear()}`;
 
     const payload: any = {
@@ -6154,7 +6155,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   /** Build the withdrawal-request payload from the current row + loaded account. */
   private buildWithdrawalPayload(row: TxnRow, amount: number): any {
-    const today = new Date();
+    const today = businessToday();
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
     const selectedPt = this.paymentTypes.find((p: any) => p.id === row.paymentTypeId);
 
@@ -6259,7 +6260,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   /** Build the deposit-request payload from the current row + loaded account. */
   private buildDepositPayload(row: TxnRow, amount: number): any {
-    const today = new Date();
+    const today = businessToday();
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
     const selectedPt = this.paymentTypes.find((p: any) => p.id === row.paymentTypeId);
     // Send denominations only for cash payments — stale counts on a cheque
@@ -6370,7 +6371,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const txnDate = `${String(today.getDate()).padStart(2, '0')}/${String(today.getMonth() + 1).padStart(2, '0')}/${today.getFullYear()}`;
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 

src/app/cashier/vault-position/vault-position.component.ts

@@ -16,6 +16,7 @@ import { MatInputModule } from '@angular/material/input';
 import { of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface DenomRow {
   denominationId: number;
@@ -67,7 +68,7 @@ export class VaultPositionComponent implements OnInit {
   errorMsg = '';
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     this.service

src/app/cashier/voucher-report/voucher-report.component.ts

@@ -13,6 +13,7 @@ import { ActivatedRoute } from '@angular/router';
 import { MatIconModule } from '@angular/material/icon';
 import { catchError, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /**
  * Which side of the register a screen shows.
@@ -227,7 +228,7 @@ export class VoucherReportComponent implements OnInit {
   }
 
   private todayIso(): string {
-    const now = new Date();
+    const now = businessToday();
     return `${now.getFullYear()}-${String(now.getMonth() + 1).padStart(2, '0')}-${String(now.getDate()).padStart(2, '0')}`;
   }
 

src/app/clients/clients-view/form121-tab/form121-tab.component.html

@@ -116,8 +116,8 @@
         <div class="f121__note f121__note--warn">
           <mat-icon>warning_amber</mat-icon>
           <div>
-            A Form 121 declaration is on record for this year, but withholding is still switched on for one or more
-            deposits. Turn it off on those accounts, or tax will keep being deducted.
+            A declaration is on record for this year, but one or more deposits still carry a tax group. Those accounts
+            deduct on their own and ignore the declaration — remove the tax group from them.
           </div>
         </div>
       }
@@ -192,20 +192,90 @@
               }
             </span>
           </div>
-          @if (declarationOnRecord && declarationFy) {
+          @if (declarationRecord; as d) {
             <div class="f121__kv-row">
               <span>Declared for</span>
-              <span>FY {{ declarationFy }}</span>
+              <span>FY {{ d.fy }} · Form {{ d.formType }}</span>
             </div>
-          }
-          @if (declarationOnRecord && !acceptanceDateKnown) {
-            <div class="f121__kv-row f121__kv-row--muted">
-              <span>Acceptance date</span>
+            <div class="f121__kv-row">
+              <span>Accepted on</span>
               <span>
-                Not captured — the declaration is treated as covering the whole year. A mid-year acceptance would change
-                the figures below.
+                {{ d.acceptedOn | date: 'd MMM y' }} — no TDS on interest credited from this day to 31 March. Interest
+                credited before it is taxed as usual.
               </span>
             </div>
+            @if (d.uin) {
+              <div class="f121__kv-row">
+                <span>UIN</span>
+                <span class="f121__mono">{{ d.uin }}</span>
+              </div>
+            }
+            <div class="f121__kv-row">
+              <span></span>
+              <span>
+                <button type="button" class="f121__btn f121__btn--warn" (click)="revokeDeclaration()">
+                  Withdraw declaration
+                </button>
+              </span>
+            </div>
+          } @else if (fy && !configMissing) {
+            <div class="f121__kv-row">
+              <span></span>
+              <span>
+                @if (!showDeclarationForm) {
+                  <button type="button" class="f121__btn" (click)="openDeclarationForm()" [disabled]="!panWellFormed">
+                    Record {{ formLabel }} for FY {{ fy }}
+                  </button>
+                  @if (!panWellFormed) {
+                    <div class="muted">A valid PAN must be on the KYC first — a declaration without one is void.</div>
+                  }
+                }
+              </span>
+            </div>
+            @if (showDeclarationForm) {
+              <div class="f121__decl-form">
+                <label>
+                  <span>Accepted on *</span>
+                  <input type="date" [(ngModel)]="newDeclaration.acceptedOn" />
+                </label>
+                <label>
+                  <span>UIN</span>
+                  <input type="text" [(ngModel)]="newDeclaration.uin" placeholder="Allotted on acceptance" />
+                </label>
+                <label>
+                  <span>Estimated income for the year (₹)</span>
+                  <input type="number" min="0" [(ngModel)]="newDeclaration.estimatedIncome" />
+                </label>
+                @if (declarationError) {
+                  <div class="f121__note f121__note--warn">
+                    <mat-icon>error_outline</mat-icon>
+                    <div>{{ declarationError }}</div>
+                  </div>
+                }
+                <div class="f121__decl-actions">
+                  <button type="button" class="f121__btn" (click)="showDeclarationForm = false">Cancel</button>
+                  <button
+                    type="button"
+                    class="f121__btn f121__btn--primary"
+                    (click)="saveDeclaration()"
+                    [disabled]="savingDeclaration"
+                  >
+                    {{ savingDeclaration ? 'Saving…' : 'Save declaration' }}
+                  </button>
+                </div>
+              </div>
+            }
+          }
+          @for (old of declarations; track old.id) {
+            @if (old.revoked && old.fy === fy) {
+              <div class="f121__kv-row f121__kv-row--muted">
+                <span>Withdrawn</span>
+                <span>
+                  Form {{ old.formType }} accepted {{ old.acceptedOn | date: 'd MMM y' }}, withdrawn
+                  {{ old.revokedOn | date: 'd MMM y' }} — {{ old.revokeReason }}
+                </span>
+              </div>
+            }
           }
           @if (eligibility) {
             @for (reason of eligibility.reasons; track reason) {

src/app/clients/clients-view/form121-tab/form121-tab.component.scss

@@ -332,3 +332,61 @@
   font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
   font-weight: 600;
 }
+
+/* ── Recording a declaration ── */
+.f121__btn {
+  padding: 6px 14px;
+  border: 1px solid #d1d5db;
+  border-radius: 6px;
+  background: #fff;
+  font: inherit;
+  font-size: 12.5px;
+  font-weight: 600;
+  cursor: pointer;
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+
+  &--primary {
+    border-color: #1d4ed8;
+    background: #1d4ed8;
+    color: #fff;
+  }
+
+  &--warn {
+    border-color: #b45309;
+    color: #b45309;
+  }
+}
+
+.f121__decl-form {
+  display: grid;
+  gap: 10px;
+  padding: 12px 16px;
+
+  label {
+    display: grid;
+    gap: 4px;
+    font-size: 12px;
+
+    span {
+      color: #6b7280;
+      font-weight: 600;
+    }
+
+    input {
+      max-width: 280px;
+      padding: 6px 8px;
+      border: 1px solid #d1d5db;
+      border-radius: 6px;
+      font: inherit;
+    }
+  }
+}
+
+.f121__decl-actions {
+  display: flex;
+  gap: 8px;
+}

src/app/clients/clients-view/form121-tab/form121-tab.component.ts

@@ -23,6 +23,8 @@ import { SavingsService } from 'app/savings/savings.service';
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
 import { RecurringDepositsService } from 'app/deposits/recurring-deposits/recurring-deposits.service';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { TdsDeclarationRecord, TdsReportsService } from 'app/tds-reports/tds-reports.service';
+import { TdsDeductee } from 'app/tds-reports/tds-reports-data';
 
 /** Domain logic */
 import {
@@ -111,6 +113,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   private savingsService = inject(SavingsService);
   private fixedDepositsService = inject(FixedDepositsService);
   private recurringDepositsService = inject(RecurringDepositsService);
+  private tdsService = inject(TdsReportsService);
 
   private destroy$ = new Subject<void>();
 
@@ -124,23 +127,25 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   pan = '';
   panWellFormed = false;
 
-  // ── Declaration on record ──
-  declarationOnRecord = false;
+  // ── Declarations on record ──
+  /**
+   * Every declaration the customer has given, each for one year and from the day the branch
+   * accepted it. The KYC record only ever held a type and a year, which made a September
+   * declaration shield interest back to April and let last year's form run on.
+   */
+  declarations: TdsDeclarationRecord[] = [];
   /**
    * The form actually in force for the selected year. From FY 2026-27 a single
    * Form 121 replaced the 15G/15H split, so this is derived from the year rather
    * than from the payee's age.
    */
   declarationForm: DeclarationForm = '121';
-  /** Kind recorded at KYC, meaningful only for a pre-2026 year. */
-  declarationKind: '15G' | '15H' = '15G';
-  declarationFy = '';
-  /**
-   * The KYC step records only the year, not the date the branch accepted the
-   * declaration, so it has to be treated as covering the whole year. Surfaced on
-   * screen rather than hidden — a mid-year acceptance would change the figures.
-   */
-  acceptanceDateKnown = false;
+
+  // ── Recording a declaration ──
+  showDeclarationForm = false;
+  savingDeclaration = false;
+  declarationError = '';
+  newDeclaration = { acceptedOn: '', uin: '', estimatedIncome: null as number | null };
 
   eligibility: EligibilityResult | null = null;
 
@@ -157,9 +162,9 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   configMissing = false;
 
   /** Raw account inputs, kept so the year selector can recompute cheaply. */
-  private accountInputs: (TdsAccountInput & { meta: Form121AccountRow })[] = [];
-  /** Withheld-tax postings by FY, from the ledger. */
-  private actualTdsByFy = new Map<string, number>();
+  private accountInputs: (TdsAccountInput & { meta: Form121AccountRow; taxLines: InterestCredit[] })[] = [];
+  /** This customer's FD/RD interest received in savings, and TDS taken there, per year. */
+  private platformByFy = new Map<string, TdsDeductee | null>();
 
   ngOnInit(): void {
     this.route.parent.params.pipe(takeUntil(this.destroy$)).subscribe((params: any) => {
@@ -182,13 +187,15 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     forkJoin({
       client: this.clientsService.getClientData(this.clientId, true).pipe(catchError(() => of(null))),
       kyc: this.clientsService.getClientKyc(this.clientId, true).pipe(catchError(() => of(null))),
-      accounts: this.clientsService.getClientAccountData(this.clientId).pipe(catchError(() => of(null)))
+      accounts: this.clientsService.getClientAccountData(this.clientId).pipe(catchError(() => of(null))),
+      declarations: this.tdsService.getDeclarations(Number(this.clientId)).pipe(catchError(() => of([])))
     })
       .pipe(
         takeUntil(this.destroy$),
-        switchMap(({ client, kyc, accounts }) => {
+        switchMap(({ client, kyc, accounts, declarations }) => {
           this.applyClient(client);
           this.applyKyc(kyc);
+          this.declarations = declarations || [];
           const deposits = this.depositAccountsOf(accounts);
           return deposits.length ? forkJoin(deposits.map((a) => this.fetchAccount(a))) : of([] as any[]);
         }),
@@ -212,12 +219,8 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   private applyKyc(kyc: any): void {
     this.pan = (kyc?.panNumber ?? '').toUpperCase();
     this.panWellFormed = isWellFormedPan(this.pan);
-    this.declarationOnRecord = !!kyc?.form15Applicable;
-    this.declarationKind = kyc?.form15Type === '15H' ? '15H' : '15G';
     this.declarationForm =
       this.fy && FY_TAX_CONFIG[normaliseFy(this.fy)] ? declarationFormFor(this.fy, this.dateOfBirth) : '121';
-    this.declarationFy = kyc?.form15FY ?? '';
-    this.acceptanceDateKnown = false;
   }
 
   /** Savings, FD and RD accounts — everything that can credit interest. */
@@ -251,7 +254,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
    */
   private ingest(details: any[]): void {
     this.accountInputs = [];
-    this.actualTdsByFy = new Map<string, number>();
+    this.platformByFy = new Map<string, TdsDeductee | null>();
     const fys = new Set<string>();
     const clientIdNum = Number(this.clientId);
 
@@ -272,6 +275,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
       };
 
       const credits: InterestCredit[] = [];
+      const taxLines: InterestCredit[] = [];
       let tdsDeducted = 0;
 
       for (const t of d.transactions ?? []) {
@@ -289,8 +293,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
         } else if (t.transactionType?.withholdTax) {
           const amount = t.amount ?? 0;
           tdsDeducted += amount;
-          const txnFy = fyOf(iso);
-          this.actualTdsByFy.set(txnFy, (this.actualTdsByFy.get(txnFy) ?? 0) + amount);
+          taxLines.push({ date: iso, amount, accountNo: ref.accountNo });
         }
       }
 
@@ -313,12 +316,13 @@ export class Form121TabComponent implements OnInit, OnDestroy {
         deducteeClientId: deductee
       };
 
-      this.accountInputs.push({ ...ref, credits, meta });
+      this.accountInputs.push({ ...ref, credits, taxLines, meta });
     }
 
     this.availableFys = [...fys].sort().reverse();
     if (!this.availableFys.includes(this.fy)) {
-      this.fy = this.availableFys[0] ?? (this.declarationFy ? normaliseFy(this.declarationFy) : '');
+      this.fy =
+        this.availableFys[0] ?? this.declarations[0]?.fy ?? Object.keys(FY_TAX_CONFIG).sort().reverse()[0] ?? '';
     }
   }
 
@@ -338,11 +342,33 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     const year = normaliseFy(this.fy);
     this.configMissing = !FY_TAX_CONFIG[year];
 
+    // TDS is tracked on FD/RD interest once it reaches savings, and deducted there. Those figures live
+    // on the platform, not in the deposit's own transactions, so they are fetched once per year and
+    // the computation waits for them.
+    if (!this.platformByFy.has(year)) {
+      this.loadPlatformYear(year);
+      return;
+    }
+    const platform = this.platformByFy.get(year);
+    for (const a of this.accountInputs) {
+      if (!a.meta.tdsApplicable) {
+        continue;
+      }
+      const match = platform?.accounts.find((p) => p.accountNo === a.accountNo);
+      a.credits = match?.credits ?? [];
+      a.taxLines = match?.deductions ?? [];
+    }
+
     // Per-account interest for the selected year, for the three lists.
     for (const a of this.accountInputs) {
       a.meta.interest = a.credits.filter((c) => fyOf(c.date) === year).reduce((s, c) => s + c.amount, 0);
+      // The selected year only - this used to total every year the account had ever been taxed in.
+      a.meta.tdsDeducted = a.meta.tdsApplicable
+        ? a.taxLines.filter((c) => fyOf(c.date) === year).reduce((s, c) => s + c.amount, 0)
+        : 0;
     }
-    this.actualTds = this.actualTdsByFy.get(year) ?? 0;
+    // What was actually debited for this customer as deductee, wherever the savings account sits.
+    this.actualTds = this.accountInputs.filter((a) => a.meta.tdsApplicable).reduce((s, a) => s + a.meta.tdsDeducted, 0);
 
     if (!this.dateOfBirth || this.configMissing) {
       return;
@@ -382,21 +408,95 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     return applicable.some((a) => a.meta.mode === 'QUARTERLY') ? 'QUARTERLY' : 'ANNUAL';
   }
 
-  /** The declaration, but only when it was filed for the year being shown. */
-  private declarationForSelectedFy(): Declaration | null {
-    if (!this.declarationOnRecord || !this.fy) {
+  private loadPlatformYear(year: string): void {
+    this.tdsService
+      .getDepositInterest(Number(year.slice(0, 4)), Number(this.clientId))
+      .pipe(
+        catchError(() => of([])),
+        takeUntil(this.destroy$)
+      )
+      .subscribe((rows) => {
+        this.platformByFy.set(year, rows.find((r) => `${r.clientId}` === `${this.clientId}`) ?? null);
+        this.recompute();
+      });
+  }
+
+  /** The live declaration recorded for the year being shown, if any. */
+  get declarationRecord(): TdsDeclarationRecord | null {
+    if (!this.fy) {
       return null;
     }
     const year = normaliseFy(this.fy);
-    if (this.declarationFy && normaliseFy(this.declarationFy) !== year) {
+    return this.declarations.find((d) => d.fy === year && !d.revoked) ?? null;
+  }
+
+  get declarationOnRecord(): boolean {
+    return !!this.declarationRecord;
+  }
+
+  /** The declaration as the engine takes it — operative from the day it was accepted. */
+  private declarationForSelectedFy(): Declaration | null {
+    const d = this.declarationRecord;
+    if (!d) {
       return null;
     }
-    return {
-      kind: this.declarationKind,
-      // No acceptance date on record — treated as covering the whole year.
-      acceptedOn: `${year.slice(0, 4)}-04-01`,
-      fy: year
-    };
+    const kind = d.formType === '15H' ? '15H' : d.formType === '15G' ? '15G' : formKindFor(this.dateOfBirth, d.fy);
+    return { kind, acceptedOn: d.acceptedOn, fy: d.fy, uin: d.uin || undefined };
+  }
+
+  openDeclarationForm(): void {
+    this.newDeclaration = { acceptedOn: new Date().toISOString().slice(0, 10), uin: '', estimatedIncome: null };
+    this.declarationError = '';
+    this.showDeclarationForm = true;
+  }
+
+  saveDeclaration(): void {
+    if (!this.newDeclaration.acceptedOn) {
+      this.declarationError = 'Enter the date the branch accepted the form.';
+      return;
+    }
+    this.savingDeclaration = true;
+    this.declarationError = '';
+    this.tdsService
+      .createDeclaration({
+        clientId: Number(this.clientId),
+        fy: normaliseFy(this.fy),
+        formType: declarationFormFor(this.fy, this.dateOfBirth),
+        acceptedOn: this.newDeclaration.acceptedOn,
+        uin: this.newDeclaration.uin || undefined,
+        estimatedIncome: this.newDeclaration.estimatedIncome
+      })
+      .subscribe({
+        next: (rows) => {
+          this.savingDeclaration = false;
+          this.showDeclarationForm = false;
+          this.declarations = rows || [];
+          this.recompute();
+        },
+        error: (err: any) => {
+          this.savingDeclaration = false;
+          this.declarationError =
+            err?.error?.errors?.[0]?.defaultUserMessage || err?.error?.defaultUserMessage || 'Could not save.';
+        }
+      });
+  }
+
+  revokeDeclaration(): void {
+    const d = this.declarationRecord;
+    if (!d) {
+      return;
+    }
+    const reason = prompt('Why is this declaration being withdrawn? From today, TDS will be deducted again.');
+    if (!reason) {
+      return;
+    }
+    this.tdsService.revokeDeclaration(d.id, reason).subscribe({
+      next: (rows) => {
+        this.declarations = rows || [];
+        this.recompute();
+      },
+      error: (err: any) => alert(err?.error?.defaultUserMessage || 'Could not revoke the declaration.')
+    });
   }
 
   // ───────────────────────── Template helpers ─────────────────────────
@@ -474,11 +574,12 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   }
 
   /**
-   * A declaration is on record but deposit accounts are still set to withhold —
-   * the branch has not switched them off.
+   * A declaration is on record but a deposit still carries a stock Fineract tax group. Those
+   * accounts withhold on their own rules and never consult the declaration record, so the form
+   * does not stop their deduction until the tax group is removed.
    */
   get declarationNotAppliedToAccounts(): boolean {
-    return !!this.declarationForSelectedFy() && this.liableAccounts.some((a) => a.withHoldTax);
+    return !!this.declarationForSelectedFy() && this.liableAccounts.some((a) => !!a.taxGroup);
   }
 
   /**

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

@@ -36,7 +36,19 @@ export class CacheInterceptor implements HttpInterceptor {
     '/rbireserveconfig',
     '/tdsconfig',
     '/tds/deposit-interest',
-    '/savingsinterestpostingreports'
+    // Declarations and challans are entered on the very screens that read them back.
+    '/tds/declarations',
+    '/tds/challans',
+    '/tds/deducted',
+    '/savingsinterestpostingreports',
+    // Cash in vaults and drawers changes with every transaction; a cached teller list or position
+    // kept showing a branch's old tellers and figures at day close.
+    '/tellers',
+    '/cashreports',
+    '/cashreconciliation',
+    '/cashsettlement',
+    '/cashtransfer',
+    '/branchday'
   ];
 
   private isCacheable(url: string): boolean {

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

@@ -20,7 +20,9 @@
       <div class="t-live"></div>
       &nbsp;LIVE
     </div>
-    <div class="t-chip">Branch:&nbsp;<strong>HO</strong></div>
+    <div class="t-chip">
+      Branch:&nbsp;<strong>{{ officeLabel }}</strong>
+    </div>
     <div class="t-chip">
       Date:&nbsp;<strong>{{ today | date: 'dd MMM yyyy' }}</strong>
     </div>

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

@@ -49,6 +49,7 @@ import { MatIcon } from '@angular/material/icon';
 import { NotificationsTrayComponent as NotificationsTrayComponent_1 } from '../../../shared/notifications-tray/notifications-tray.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { DocumentationLinksService } from 'app/shared/services/documentation-links.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /**
  * Toolbar component.
@@ -92,6 +93,14 @@ export class ToolbarComponent implements OnInit, AfterViewInit, AfterContentChec
   @ViewChild('templateAppMenu') templateAppMenu: TemplateRef<any>;
   @ViewChild('notificationsTray') notificationsTray: NotificationsTrayComponent;
 
+  /** The signed-in user's office — this chip read "HO" for every login, branch staff included. */
+  get officeLabel(): string {
+    if (this.authenticationService.isHeadOfficeUser()) {
+      return 'HO';
+    }
+    return this.authenticationService.getCredentials()?.officeName || '—';
+  }
+
   /** Subscription to breakpoint observer for handset. */
   isHandset$: Observable<boolean> = this.breakpointObserver
     .observe(Breakpoints.Handset)
@@ -100,8 +109,10 @@ export class ToolbarComponent implements OnInit, AfterViewInit, AfterContentChec
   /** Sets the initial state of sidenav as collapsed. Not collapsed if false. */
   sidenavCollapsed = true;
 
-  /** Current date for top bar display */
-  today = new Date();
+  /** The bank's "today" for the top bar — the business date when enabled, else the server date. */
+  get today(): Date {
+    return businessToday();
+  }
 
   /** Last login time display */
   lastLoginTime = this.formatLastLogin();

src/app/core/utils/business-today.ts

@@ -0,0 +1,30 @@
+/**
+ * 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/.
+ */
+
+/**
+ * The bank's "today": the business date while `enable-business-date` is on, the server's own date
+ * while it is off. The server decides which (GET /branchday/today); the web app stores the answer
+ * in `mifosXServerDate` at login and whenever the business date changes. Before that has happened
+ * the browser clock is the only date there is, so it is the fallback.
+ */
+export function businessToday(): Date {
+  const stored = localStorage.getItem('mifosXServerDate');
+  const match = stored ? /^(\d{4})-(\d{2})-(\d{2})$/.exec(stored) : null;
+  if (!match) {
+    return new Date();
+  }
+  // Built from parts so it is local midnight — new Date('yyyy-MM-dd') would be UTC midnight and
+  // land on the previous day in any timezone behind UTC.
+  return new Date(Number(match[1]), Number(match[2]) - 1, Number(match[3]));
+}
+
+/** {@link businessToday} as yyyy-MM-dd. */
+export function businessTodayIso(): string {
+  const d = businessToday();
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
+}

src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.html

@@ -18,9 +18,16 @@
       <p class="dialog-sub">NDTL &middot; CRR/SLR Computation Base &middot; As per RBI Master Circular</p>
     </div>
     <div class="header-right">
+      <!-- The close being reported, and under it the close the ratios are charged on. Two dates,
+           because they are not the same day and the requirement belongs to the earlier one. -->
       <div class="as-of-box">
-        <strong>{{ reportingDateStr }}</strong>
-        <span>Reporting Fortnight (45-day lag)</span>
+        <strong>{{ reportingDateStr || '—' }}</strong>
+        <span>
+          Fortnight close
+          @if (baseDateStr) {
+            &middot; charged on {{ baseDateStr }}
+          }
+        </span>
       </div>
       <a
         class="rbi-circular-btn"
@@ -42,31 +49,42 @@
   <div class="summary-row">
     <div class="summary-card sc-demand">
       <div class="sc-label">Total Demand Liabilities</div>
-      <div class="sc-value">&#8377;12,843<span class="cr">Cr</span></div>
-      <div class="sc-change up">&#8593; 3.2% vs prev fortnight</div>
+      <div class="sc-value">{{ crore(totalDemand) }}<span class="cr" *ngIf="totalDemand !== null">Cr</span></div>
+      <div class="sc-sub">Payable on demand</div>
     </div>
     <div class="summary-card sc-time">
       <div class="sc-label">Total Time Liabilities</div>
-      <div class="sc-value">&#8377;64,618<span class="cr">Cr</span></div>
-      <div class="sc-change up">&#8593; 1.8% vs prev fortnight</div>
+      <div class="sc-value">{{ crore(totalTime) }}<span class="cr" *ngIf="totalTime !== null">Cr</span></div>
+      <div class="sc-sub">Payable on maturity</div>
     </div>
     <div class="summary-card sc-asset">
       <div class="sc-label">Assets with Banking System</div>
-      <div class="sc-value">&#8377;8,240<span class="cr">Cr</span></div>
+      <div class="sc-value">
+        {{ crore(totalBankingAssets) }}<span class="cr" *ngIf="totalBankingAssets !== null">Cr</span>
+      </div>
       <div class="sc-change dn">&#8595; Deducted from NDTL</div>
     </div>
     <div class="summary-card sc-ndtl">
       <div class="sc-label">Net Demand &amp; Time Liabilities (NDTL)</div>
-      <div class="sc-value">&#8377;69,221<span class="cr">Cr</span></div>
+      <div class="sc-value">{{ crore(ndtl) }}<span class="cr" *ngIf="ndtl !== null">Cr</span></div>
       <div class="sc-sub">After deducting banking assets</div>
     </div>
     <div class="summary-card sc-crr">
-      <div class="sc-label">CRR Required ({{ crrRate }}%)</div>
-      <div class="sc-value">&#8377;{{ crrRequired | number: '1.0-0' }}<span class="cr">Cr</span></div>
-      <div class="sc-sub">SLR Req: &#8377;{{ slrRequired | number: '1.0-0' }} Cr ({{ slrRate }}%)</div>
+      <!-- The rate is named from the configuration, not fixed here: a card headed "CRR Required
+           (3%)" while Admin holds 4% states a rate the bank is not on. -->
+      <div class="sc-label">CRR Required{{ crrRate === null ? '' : ' (' + crrRate + '%)' }}</div>
+      <div class="sc-value">{{ crore(crrRequired) }}<span class="cr" *ngIf="crrRequired !== null">Cr</span></div>
+      <div class="sc-sub">SLR Req: {{ crore(slrRequired) }}{{ slrRate === null ? '' : ' Cr (' + slrRate + '%)' }}</div>
     </div>
   </div>
 
+  <!-- Why the figures are not there, in the return's own words. A dashboard that simply shows
+       dashes sends an administrator looking for a fault in the dashboard. -->
+  <div class="unavailable-note" *ngIf="unavailable">
+    <fa-icon icon="exclamation-triangle"></fa-icon>
+    {{ unavailable }}
+  </div>
+
   <!-- Tab Navigation -->
   <div class="tab-nav">
     <button class="tab-btn" [class.active]="activeTab === 'demand'" (click)="activeTab = 'demand'">
@@ -123,14 +141,23 @@
                 </span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="3"><strong>Total Demand Liabilities (All 16 Items)</strong></td>
-            <td class="right foot-demand">12,114.75</td>
-            <td class="right foot-demand">12,843.50</td>
-            <td class="right up">+728.75</td>
+            <td colspan="3">
+              <strong>Total Demand Liabilities ({{ demandLiabilities.length }} accounts)</strong>
+            </td>
+            <td class="right foot-demand">{{ totalOf(demandLiabilities, 'openingValue') }}</td>
+            <td class="right foot-demand">{{ totalOf(demandLiabilities, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(demandLiabilities) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -178,14 +205,23 @@
                 </span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="3"><strong>Total Time Liabilities (All 13 Items)</strong></td>
-            <td class="right foot-time">62,613.10</td>
-            <td class="right foot-time">64,618.00</td>
-            <td class="right up">+2,004.90</td>
+            <td colspan="3">
+              <strong>Total Time Liabilities ({{ timeLiabilities.length }} accounts)</strong>
+            </td>
+            <td class="right foot-time">{{ totalOf(timeLiabilities, 'openingValue') }}</td>
+            <td class="right foot-time">{{ totalOf(timeLiabilities, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(timeLiabilities) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -227,6 +263,13 @@
                 <span class="status-chip chip-active">{{ item.status }}</span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
@@ -234,9 +277,9 @@
             <td colspan="3">
               <strong>Total Assets with Banking System</strong> <span class="deduct-tag">( Deducted from NDTL )</span>
             </td>
-            <td class="right foot-asset">7,600.70</td>
-            <td class="right foot-asset">8,240.20</td>
-            <td class="right up">+639.50</td>
+            <td class="right foot-asset">{{ totalOf(bankingAssets, 'openingValue') }}</td>
+            <td class="right foot-asset">{{ totalOf(bankingAssets, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(bankingAssets) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -284,14 +327,21 @@
                 <span class="status-chip chip-active">{{ item.status }}</span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
           <tr>
             <td colspan="4"><strong>Total Liquid Assets (SLR Eligible)</strong></td>
-            <td class="right foot-slr">12,511.70</td>
-            <td class="right foot-slr">13,238.80</td>
-            <td class="right up">+727.10</td>
+            <td class="right foot-slr">{{ totalOf(liquidAssets, 'openingValue') }}</td>
+            <td class="right foot-slr">{{ totalOf(liquidAssets, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(liquidAssets) }}</td>
             <td></td>
           </tr>
         </tfoot>

src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.scss

@@ -842,3 +842,30 @@ $slr-b: #bae6fd;
     padding: 8px 16px;
   }
 }
+
+/* Why the figures are missing, in the return's own words — an administrator reading only dashes
+   goes looking for a fault in this screen rather than in the configuration that actually caused it. */
+.unavailable-note {
+  margin: 0 0 16px;
+  padding: 10px 14px;
+  background: #fffbeb;
+  color: #92400e;
+  border-radius: 8px;
+  font-size: 12.5px;
+  line-height: 1.6;
+
+  fa-icon {
+    margin-right: 8px;
+  }
+}
+
+/* A head with nothing mapped. Said in the table rather than left as an empty body, and it names the
+   screen where the mapping is made — an empty table otherwise reads as a fault in this one. */
+.empty-row td {
+  padding: 22px 16px;
+  text-align: center;
+  color: #6b7280;
+  font-size: 12.5px;
+  line-height: 1.6;
+  background: #fafafa;
+}

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

@@ -6,13 +6,30 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, inject } from '@angular/core';
+import { Component, OnInit, inject } from '@angular/core';
 import { CommonModule, DecimalPipe } from '@angular/common';
 import { MatDialogRef, MatDialogModule } from '@angular/material/dialog';
 import { MatButtonModule } from '@angular/material/button';
 import { MatTabsModule } from '@angular/material/tabs';
 import { MatTooltipModule } from '@angular/material/tooltip';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { RbiCircularsService } from '../../../rbi-circulars/rbi-circulars.service';
+
+/** One account under a head, at the base date and the reporting date. */
+interface CrrSlrRow {
+  sl: string;
+  name: string;
+  sub: string;
+  code: string;
+  opening: string;
+  current: string;
+  /** The figures themselves, kept so totals add from values rather than from formatted text. */
+  openingValue: number | null;
+  currentValue: number | null;
+  change: string;
+  changeDir: 'up' | 'dn' | 'flat';
+  status: string;
+}
 
 @Component({
   selector: 'mifosx-crr-slr-dialog',
@@ -29,477 +46,228 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
     FaIconComponent
   ]
 })
-export class CrrSlrDialogComponent {
+export class CrrSlrDialogComponent implements OnInit {
   private dialogRef = inject(MatDialogRef<CrrSlrDialogComponent>);
+  private rbi = inject(RbiCircularsService);
 
   activeTab: 'demand' | 'time' | 'assets' | 'slr' = 'demand';
 
-  /** Reporting fortnight date — 45 days before current date */
-  today = new Date();
-  reportingDate: Date;
-  reportingDateStr: string;
+  /** The date the figures were struck at, as the return itself reports it. */
+  reportingDateStr = '';
 
-  /** NDTL & Reserve computations */
-  readonly totalDemand = 12843.5;
-  readonly totalTime = 64618.0;
-  readonly totalBankingAssets = 8240.2;
-  readonly ndtl = 69221.3; // Demand + Time - Banking Assets
-  readonly crrRate = 3; // Current RBI CRR rate (%)
-  readonly slrRate = 18; // Current RBI SLR rate (%)
-  readonly crrRequired = 69221.3 * 0.03; // ₹2,076.64 Cr
-  readonly slrRequired = 69221.3 * 0.18; // ₹12,459.83 Cr
-  readonly totalLiquidAssets = 13238.8;
-  readonly slrActualPercent = +((13238.8 / 69221.3) * 100).toFixed(2); // 19.12%
-  readonly slrSurplus = +(13238.8 - 69221.3 * 0.18).toFixed(2); // 778.97
-  readonly totalReserve = +(69221.3 * 0.03 + 69221.3 * 0.18).toFixed(2); // 14,536.47
+  /**
+   * The close the ratios are charged on — the second preceding fortnight, not the one reported.
+   *
+   * Named on screen because the gap between the two is the whole of how the rules work: a bank
+   * cannot hold a reserve against liabilities it does not yet know, so the requirement is fixed on
+   * a position already struck and reported. A screen showing one date invites a reader to think the
+   * requirement was worked out on the day it is shown against.
+   */
+  baseDateStr = '';
 
-  constructor() {
-    // CRR/SLR uses data from 45 days ago
-    const lagDays = 45;
-    this.reportingDate = new Date(this.today);
-    this.reportingDate.setDate(this.reportingDate.getDate() - lagDays);
-    this.reportingDateStr = this.reportingDate.toLocaleDateString('en-IN', {
-      day: '2-digit',
-      month: 'short',
-      year: 'numeric'
+  loading = true;
+  /** Set when the return could not be computed — and why, in the return's own words. */
+  unavailable = '';
+
+  /**
+   * The NDTL computation, read from the return rather than stated here.
+   *
+   * These were fixed numbers until now — a demonstration screen that showed ₹69,221 Cr whatever the
+   * ledger held. The figures are the bank's own regulatory position, so a plausible-looking number
+   * is worse than no number: it reads as a reported figure and cannot be told apart from one.
+   *
+   * Null until the return answers, and left null where it cannot compute. The template shows a dash
+   * for a null, which says "not reported" where a zero would say "reported as nil".
+   */
+  totalDemand: number | null = null;
+  totalTime: number | null = null;
+  totalBankingAssets: number | null = null;
+  ndtl: number | null = null;
+  crrRate: number | null = null;
+  slrRate: number | null = null;
+  crrRequired: number | null = null;
+  slrRequired: number | null = null;
+  totalLiquidAssets: number | null = null;
+  slrActualPercent: number | null = null;
+  slrSurplus: number | null = null;
+  totalReserve: number | null = null;
+
+  /**
+   * A figure for display, or a dash where the return did not carry one.
+   *
+   * A dash and a zero say different things — "not reported" against "reported as nil" — and on a
+   * regulatory screen the difference decides whether anyone goes looking for the missing mapping.
+   */
+  crore(value: number | null): string {
+    if (value === null) {
+      return '—';
+    }
+    return `₹${value.toLocaleString('en-IN', { maximumFractionDigits: 0 })}`;
+  }
+
+  ngOnInit(): void {
+    // The return is reported in rupees; this screen reads in crore, as a dashboard tile does.
+    const toCrore = (v: number | null | undefined): number | null =>
+      v === null || v === undefined ? null : +(v / 1e7).toFixed(2);
+
+    // The statutory Form 1, not the working report. Form 1 is filed twice a month — at the 15th and
+    // at the month end — and this screen should show the close the bank last filed, not a position
+    // struck 45 days back by a lag rule that belongs to the other report. Those two disagree by
+    // weeks, and the 45-day one lands mid-fortnight on a date the bank never reported.
+    this.rbi.getForm1Statutory().subscribe({
+      next: (data: any) => {
+        this.loading = false;
+
+        // The later of the two closes the return reports — the one the bank most recently filed.
+        const columns: string[] = data?.columns ?? [];
+        const latest = columns.length - 1;
+        this.reportingDateStr = columns[latest] ?? '';
+        this.baseDateStr = data?.baseColumns?.[latest] ?? '';
+        this.crrRate = data?.crrPercentage ?? null;
+        this.slrRate = data?.slrPercentage ?? null;
+
+        if (!columns.length) {
+          this.unavailable =
+            data?.unmetRequirements?.[0] ?? 'Form 1 could not be computed. Check the CRR/SLR configuration in Admin.';
+          return;
+        }
+        // The return computes but says something would make it wrong to file — a rate never set, a
+        // base date the ledger cannot answer. Shown rather than swallowed: the reason is the thing
+        // an administrator needs in order to fix it.
+        this.unavailable = data?.unmetRequirements?.[0] ?? '';
+
+        // Part A's own lines, read by the Roman numeral each carries. Read from the return rather
+        // than recomputed, so this screen and the filed form cannot come to disagree.
+        const lines: any[] = data?.partA?.lines ?? [];
+        const at = (startsWith: string): number | null => {
+          const line = lines.find((l: any) => String(l?.label ?? '').startsWith(startsWith));
+          return line?.values?.[latest] ?? null;
+        };
+
+        this.totalDemand = toCrore(at('(A) Demand liabilities'));
+        this.totalTime = toCrore(at('(B) Time liabilities'));
+        this.totalBankingAssets = toCrore(at('TOTAL OF III'));
+        // IV(b) is the base the ratios are actually charged on — the figure behind the requirement,
+        // not the bank's liabilities on the day being reported.
+        this.ndtl = toCrore(at('IV. b)'));
+        this.crrRequired = toCrore(data?.partB?.required?.[latest]);
+        this.slrRequired = toCrore(data?.partC?.required?.[latest]);
+        this.totalLiquidAssets = toCrore(data?.partC?.maintained?.[latest]);
+
+        if (this.slrRequired !== null && this.totalLiquidAssets !== null) {
+          this.slrSurplus = +(this.totalLiquidAssets - this.slrRequired).toFixed(2);
+        }
+        if (this.ndtl) {
+          this.slrActualPercent =
+            this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.ndtl) * 100).toFixed(2);
+        }
+        if (this.crrRequired !== null && this.slrRequired !== null) {
+          this.totalReserve = +(this.crrRequired + this.slrRequired).toFixed(2);
+        }
+
+        this.fillTabs(lines, latest);
+      },
+      error: () => {
+        this.loading = false;
+        this.unavailable = 'The CRR/SLR position could not be read. The return service did not respond.';
+      }
     });
   }
 
-  demandLiabilities = [
-    {
-      sl: '01',
-      name: 'Current Account Deposits',
-      sub: 'Corporate & individual CA balances',
-      code: '2001-CA',
-      opening: '3,842.50',
-      current: '4,120.75',
-      change: '+278.25',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Savings Bank Deposits (Withdrawable)',
-      sub: 'Demand portion — 10% of SB balance',
-      code: '2002-SB',
-      opening: '1,240.00',
-      current: '1,318.40',
-      change: '+78.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Demand Drafts Payable',
-      sub: 'Issued DDs outstanding for payment',
-      code: '2003-DD',
-      opening: '284.20',
-      current: '311.60',
-      change: '+27.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '04',
-      name: "Banker's Cheques / Pay Orders",
-      sub: 'Issued pay orders pending encashment',
-      code: '2004-PO',
-      opening: '198.75',
-      current: '176.30',
-      change: '-22.45',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '05',
-      name: 'Credit Balance in Cash Credit Accounts',
-      sub: 'CC accounts in credit position',
-      code: '2005-CC',
-      opening: '542.10',
-      current: '618.90',
-      change: '+76.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '06',
-      name: 'Overdue Fixed Deposits',
-      sub: 'FDs past maturity — treated as demand',
-      code: '2006-OFD',
-      opening: '89.40',
-      current: '112.85',
-      change: '+23.45',
-      changeDir: 'dn',
-      status: 'Overdue'
-    },
-    {
-      sl: '07',
-      name: 'Interest Payable on Demand Deposits',
-      sub: 'Accrued interest on CA/SB',
-      code: '2007-INT',
-      opening: '34.20',
-      current: '38.55',
-      change: '+4.35',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '08',
-      name: 'Margins held against Letters of Credit',
-      sub: 'Withdrawable LC margin deposits',
-      code: '2008-LCM',
-      opening: '412.60',
-      current: '388.20',
-      change: '-24.40',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '09',
-      name: 'Margins held against Bank Guarantees',
-      sub: 'Withdrawable BG margin deposits',
-      code: '2009-BGM',
-      opening: '318.40',
-      current: '342.10',
-      change: '+23.70',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '10',
-      name: 'Security Deposits (Withdrawable)',
-      sub: 'EMD / SD refundable on demand',
-      code: '2010-SD',
-      opening: '124.80',
-      current: '118.60',
-      change: '-6.20',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '11',
-      name: 'Unclaimed Deposits (Demand Portion)',
-      sub: 'Balances unclaimed >10 years',
-      code: '2011-UCD',
-      opening: '56.30',
-      current: '59.40',
-      change: '+3.10',
-      changeDir: 'dn',
-      status: 'Unclaimed'
-    },
-    {
-      sl: '12',
-      name: 'Inter-Bank Demand Deposits',
-      sub: 'Demand deposits from other banks',
-      code: '2012-IBD',
-      opening: '2,840.00',
-      current: '3,120.50',
-      change: '+280.50',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '13',
-      name: 'Clearing Adjustments / Balances',
-      sub: 'Net clearing settlement balances',
-      code: '2013-CLR',
-      opening: '186.40',
-      current: '210.80',
-      change: '+24.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '14',
-      name: 'Outstanding Payment Instruments',
-      sub: 'Cheques issued but not yet presented',
-      code: '2014-OPI',
-      opening: '142.60',
-      current: '158.90',
-      change: '+16.30',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '15',
-      name: 'Demand Liabilities towards Other Banks',
-      sub: 'Nostro / Vostro demand obligations',
-      code: '2015-DLB',
-      opening: '984.20',
-      current: '1,048.60',
-      change: '+64.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '16',
-      name: 'Deposits Repayable on Demand',
-      sub: 'Miscellaneous on-demand deposits',
-      code: '2016-DRD',
-      opening: '618.30',
-      current: '698.05',
-      change: '+79.75',
-      changeDir: 'up',
-      status: 'Active'
+  /**
+   * The four tabs, filled from the return's own lines.
+   *
+   * These were four fixed lists until now — 435 lines of invented accounts with invented balances,
+   * which a reader had no way to tell apart from the bank's real position. They are now built from
+   * the accounts the return actually read, so a tab is empty exactly when the bank has nothing
+   * mapped under that head, and says so.
+   */
+  demandLiabilities: CrrSlrRow[] = [];
+  timeLiabilities: CrrSlrRow[] = [];
+  bankingAssets: CrrSlrRow[] = [];
+  liquidAssets: CrrSlrRow[] = [];
+  /**
+   * Turns Part A's lines into the rows a tab shows.
+   *
+   * The form reports each head at both of the closes it carries, so the earlier column is the
+   * opening and the later one the current — the same pair these tables have always shown, now taken
+   * from the form rather than invented. Headings and totals are skipped: a heading carries no
+   * figure, and a total would be added a second time by the footer below.
+   */
+  private rowsFrom(lines: any[], latest: number, match: (label: string) => boolean): CrrSlrRow[] {
+    const rows: CrrSlrRow[] = [];
+    for (const line of lines ?? []) {
+      const label = String(line?.label ?? '');
+      if (line?.heading || line?.total || !line?.values || !match(label)) {
+        continue;
+      }
+      const opening = latest > 0 ? (line.values[latest - 1] ?? null) : null;
+      const current = line.values[latest] ?? null;
+      const change = opening === null || current === null ? null : current - opening;
+      rows.push({
+        sl: String(rows.length + 1).padStart(2, '0'),
+        // The form's own wording, with its numbering trimmed off the front — the table has a column
+        // of its own for that.
+        name: label.replace(/^\s*\(?[a-zA-Z0-9]+\)?[.)]?\s*/, '').trim() || label.trim(),
+        sub: line.configKey ? String(line.configKey).replace(/_/g, ' ') : 'Derived from the form',
+        code: line.configKey ?? '—',
+        opening: this.crore(opening),
+        current: this.crore(current),
+        openingValue: opening,
+        currentValue: current,
+        change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`,
+        changeDir: change === null ? 'flat' : change >= 0 ? 'up' : 'dn',
+        // A head with no GL mapped reports nothing, and the form says so rather than reporting nil.
+        status: line.configured === false ? 'Not mapped' : 'Active'
+      });
     }
-  ];
+    return rows;
+  }
 
-  timeLiabilities = [
-    {
-      sl: '01',
-      name: 'Fixed Deposits (FD)',
-      sub: '7 days to 10 years · 6.5–7.2%',
-      code: '3001-FD',
-      opening: '28,420.50',
-      current: '29,184.30',
-      change: '+763.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Recurring Deposits (RD)',
-      sub: 'Monthly instalment · 6.0–6.8%',
-      code: '3002-RD',
-      opening: '4,218.60',
-      current: '4,412.80',
-      change: '+194.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Time Liability Portion of Savings',
-      sub: '90% of SB balance treated as time',
-      code: '3003-SBT',
-      opening: '10,840.20',
-      current: '11,204.60',
-      change: '+364.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '04',
-      name: 'Reinvestment Deposits',
-      sub: 'Cumulative interest plans · 7.0%',
-      code: '3004-RID',
-      opening: '1,842.40',
-      current: '1,918.70',
-      change: '+76.30',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '05',
-      name: 'Staff Security Deposits (Fixed Period)',
-      sub: 'Employee security deposits — locked',
-      code: '3005-SSD',
-      opening: '84.60',
-      current: '86.40',
-      change: '+1.80',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '06',
-      name: 'Margin Money for Guarantees / LC',
-      sub: 'LC/BG margins — fixed lock-in period',
-      code: '3006-MGM',
-      opening: '620.80',
-      current: '644.20',
-      change: '+23.40',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '07',
-      name: 'Certificates of Deposit (CD)',
-      sub: 'Issued to corporates / FIs · 7.35%',
-      code: '3007-CD',
-      opening: '3,840.00',
-      current: '3,920.50',
-      change: '+80.50',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '08',
-      name: 'Interest Accrued on Time Deposits',
-      sub: 'Accrued but unpaid interest on FD/RD',
-      code: '3008-IAT',
-      opening: '842.60',
-      current: '918.40',
-      change: '+75.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '09',
-      name: 'Long-term Deposits',
-      sub: 'Tenor >5 years · 7.5%',
-      code: '3009-LTD',
-      opening: '5,620.40',
-      current: '5,818.60',
-      change: '+198.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '10',
-      name: 'Tax Saving Deposits',
-      sub: 'Sec 80C FDs — 5-year lock-in · 6.8%',
-      code: '3010-TSD',
-      opening: '1,240.80',
-      current: '1,318.40',
-      change: '+77.60',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '11',
-      name: 'Foreign Currency Deposits',
-      sub: 'FCNR(B), RFC — USD/EUR/GBP',
-      code: '3011-FCD',
-      opening: '2,184.60',
-      current: '2,348.20',
-      change: '+163.60',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '12',
-      name: 'Time Liabilities to Other Banks',
-      sub: 'Inter-bank term deposits — call money',
-      code: '3012-TLB',
-      opening: '1,840.20',
-      current: '1,924.40',
-      change: '+84.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '13',
-      name: 'Term Borrowings',
-      sub: 'Bonds, debentures, refinance · 8.1%',
-      code: '3013-TBR',
-      opening: '1,018.40',
-      current: '1,118.50',
-      change: '+100.10',
-      changeDir: 'up',
-      status: 'Active'
-    }
-  ];
+  /**
+   * A tab's column total, added from the rows on screen.
+   *
+   * Added from the rows rather than stated separately, so the foot of a table always agrees with
+   * what is above it. The footers used to be fixed text and agreed with nothing.
+   *
+   * Summed from each row's own figure, not from the text it displays: a total parsed back out of
+   * formatted strings would quietly lose the paise the display rounds away.
+   */
+  totalOf(rows: CrrSlrRow[], column: 'openingValue' | 'currentValue'): string {
+    const values = rows.map((r) => r[column]).filter((v): v is number => v !== null);
+    return values.length ? this.crore(values.reduce((a, b) => a + b, 0)) : '—';
+  }
 
-  bankingAssets = [
-    {
-      sl: '01',
-      name: 'Balances with Other Banks',
-      sub: 'Nostro / Vostro balances — SBI, PNB, BOB',
-      code: '4001-BWB',
-      opening: '3,840.20',
-      current: '4,112.40',
-      change: '+272.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Money at Call with Banks',
-      sub: 'Overnight & short-notice call money',
-      code: '4002-MCB',
-      opening: '2,180.50',
-      current: '2,418.60',
-      change: '+238.10',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Loans to Banks (Inter-Bank Lending)',
-      sub: 'Term loans & credit lines to SCBs',
-      code: '4003-LTB',
-      opening: '1,580.00',
-      current: '1,709.20',
-      change: '+129.20',
-      changeDir: 'up',
-      status: 'Active'
+  /** The movement across a tab, between the two closes the form reports. */
+  totalChange(rows: CrrSlrRow[]): string {
+    const opening = rows.map((r) => r.openingValue).filter((v): v is number => v !== null);
+    const current = rows.map((r) => r.currentValue).filter((v): v is number => v !== null);
+    if (!opening.length || !current.length) {
+      return '—';
     }
-  ];
+    const change = current.reduce((a, b) => a + b, 0) - opening.reduce((a, b) => a + b, 0);
+    return `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`;
+  }
 
-  liquidAssets = [
-    {
-      sl: '01',
-      name: 'Central Government Securities',
-      sub: 'G-Secs held in HTM, AFS & HFT portfolios',
-      code: '5001-CGS',
-      opening: '6,840.50',
-      current: '7,218.40',
-      change: '+377.90',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'G-Sec'
-    },
-    {
-      sl: '02',
-      name: 'State Development Loans (SDLs)',
-      sub: 'State govt bonds — various maturities',
-      code: '5002-SDL',
-      opening: '2,420.30',
-      current: '2,584.60',
-      change: '+164.30',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'SDL'
-    },
-    {
-      sl: '03',
-      name: 'Treasury Bills (91/182/364 day)',
-      sub: 'Short-term govt securities — discounted',
-      code: '5003-TB',
-      opening: '1,840.20',
-      current: '1,962.80',
-      change: '+122.60',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'T-Bill'
-    },
-    {
-      sl: '04',
-      name: 'Gold (valued at current market)',
-      sub: 'Gold reserves held per RBI valuation norms',
-      code: '5004-GLD',
-      opening: '680.40',
-      current: '724.60',
-      change: '+44.20',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'Gold'
-    },
-    {
-      sl: '05',
-      name: 'Special Deposit Scheme with RBI',
-      sub: 'Deposits placed under SDS — SLR eligible',
-      code: '5005-SDS',
-      opening: '420.00',
-      current: '420.00',
-      change: '0.00',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'RBI Dep'
-    },
-    {
-      sl: '06',
-      name: 'NABARD / SIDBI / NHB Bonds',
-      sub: 'PSE bonds approved as SLR-eligible',
-      code: '5006-PSE',
-      opening: '310.80',
-      current: '328.40',
-      change: '+17.60',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'PSE Bond'
-    }
-  ];
+  /** Fills the four tabs from one reading of the form. */
+  private fillTabs(lines: any[], latest: number): void {
+    const has = (label: string, ...words: string[]): boolean => {
+      const l = label.toLowerCase();
+      return words.some((w) => l.includes(w));
+    };
+    // Matched on how the form labels each head, not on a fixed list of account names: a bank that
+    // maps a new account to a head gets it on the right tab without this screen being changed.
+    this.demandLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'demand liabilit'));
+    this.timeLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'time liabilit') && !has(l, 'demand and time'));
+    // III — what the banking system owes this bank, which nets off the liability base.
+    this.bankingAssets = this.rowsFrom(lines, latest, (l) =>
+      has(l, 'current account balances with sbi', 'balances in all accounts', 'money at call', 'advances and any other')
+    );
+    // V, VI and VII — the cash, balances and securities the two ratios are met in.
+    this.liquidAssets = this.rowsFrom(lines, latest, (l) =>
+      has(l, 'cash on hand', 'reserve bank of india', 'co-operative bank', 'government securities')
+    );
+  }
 
   close(): void {
     this.dialogRef.close();

src/app/home/dashboard/dashboard.component.html

@@ -28,17 +28,34 @@
             <fa-icon icon="external-link-alt"></fa-icon> View
           </button>
         </div>
+        <!-- Read from the return, not stated here. Both the rates and the amounts were fixed text
+             until now, so the card reported ₹2,077 Cr at 3% whatever the ledger held and whatever
+             rate Admin was on. -->
         <div class="card-metrics">
           <div class="metric-row">
-            <span class="metric-label">CRR Required (3%)</span>
-            <span class="metric-value">&#8377;2,077 Cr</span>
+            <span class="metric-label"
+              >CRR Required{{ crrSlr.crrRate === null ? '' : ' (' + crrSlr.crrRate + '%)' }}</span
+            >
+            <span class="metric-value">{{ crrSlr.crrRequired }}</span>
           </div>
           <div class="metric-row">
-            <span class="metric-label">SLR Required (18%)</span>
-            <span class="metric-value">&#8377;12,460 Cr</span>
+            <span class="metric-label"
+              >SLR Required{{ crrSlr.slrRate === null ? '' : ' (' + crrSlr.slrRate + '%)' }}</span
+            >
+            <span class="metric-value">{{ crrSlr.slrRequired }}</span>
           </div>
         </div>
-        <div class="mini-sub"><span class="tag-success">Within Limits</span></div>
+        <!-- "Within Limits" is a compliance statement, so it is made only where the return actually
+             says so. Where it cannot compute, the card says that instead of passing the bank. -->
+        <div class="mini-sub">
+          @if (crrSlr.status === 'ok') {
+            <span class="tag-success">Within Limits</span>
+          } @else if (crrSlr.status === 'short') {
+            <span class="tag-danger">Shortfall</span>
+          } @else {
+            <span class="tag-muted">Not computed</span>
+          }
+        </div>
       </div>
 
       <!-- CRAR -->

src/app/home/dashboard/dashboard.component.scss

@@ -444,6 +444,17 @@ $purple: #7c3aed;
   font-weight: 600;
 }
 
+/* A figure that could not be computed. Deliberately not green: a tile that cannot read the ledger
+   has not found the bank compliant, and a success tag on an unknown position is a false all-clear. */
+.tag-muted {
+  background: #f3f4f6;
+  color: #4b5563;
+  padding: 2px 6px;
+  border-radius: 10px;
+  font-size: 10px;
+  font-weight: 600;
+}
+
 /* ─── Compact Detail Cards ─── */
 .dash-card.compact {
   padding: 12px 16px;

src/app/home/dashboard/dashboard.component.ts

@@ -19,6 +19,7 @@ import { MatTooltipModule } from '@angular/material/tooltip';
 import { AsyncPipe, DatePipe } from '@angular/common';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RbiCircularsService } from '../../rbi-circulars/rbi-circulars.service';
 /**
  * Dashboard component.
  */
@@ -40,9 +41,29 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 export class DashboardComponent implements OnInit {
   private router = inject(Router);
   private dialog = inject(MatDialog);
+  private rbi = inject(RbiCircularsService);
 
   today = new Date();
 
+  /**
+   * The CRR/SLR tile, read from the return.
+   *
+   * The amounts and the rates were both fixed text on the template until now, so the tile reported
+   * ₹2,077 Cr at 3% whatever the ledger held and whatever rate Admin was on. A dashboard figure is
+   * read as the bank's position, and one that cannot move is worse than none: nothing on the tile
+   * says it is a placeholder.
+   *
+   * Dashes until the return answers. 'status' drives the compliance tag, which is only claimed
+   * where the return states it.
+   */
+  crrSlr: {
+    crrRate: number | null;
+    slrRate: number | null;
+    crrRequired: string;
+    slrRequired: string;
+    status: 'ok' | 'short' | 'unknown';
+  } = { crrRate: null, slrRate: null, crrRequired: '—', slrRequired: '—', status: 'unknown' };
+
   /** Array of all user activities */
   userActivity: string[];
   /** Array of most recent user activities */
@@ -67,6 +88,45 @@ export class DashboardComponent implements OnInit {
     this.recentActivities = this.getRecentActivities();
     this.frequentActivities = this.getFrequentActivities();
     this.setFilteredActivities();
+    this.loadCrrSlr();
+  }
+
+  /** Fills the CRR/SLR tile from the return, leaving it dashed where the return cannot compute. */
+  private loadCrrSlr(): void {
+    const crore = (v: number | null | undefined): string =>
+      v === null || v === undefined ? '—' : `₹${Math.round(v / 1e7).toLocaleString('en-IN')} Cr`;
+
+    // The statutory Form 1, which is the return this bank files — twice a month, at the 15th and at
+    // the month end. The working report's 45-day lag lands mid-fortnight, on a date the bank never
+    // reported, so a tile built on it shows a position that appears on no filing.
+    this.rbi.getForm1Statutory().subscribe({
+      next: (data: any) => {
+        const latest = (data?.columns?.length ?? 0) - 1;
+        if (latest < 0) {
+          return;
+        }
+        this.crrSlr.crrRate = data?.crrPercentage ?? null;
+        this.crrSlr.slrRate = data?.slrPercentage ?? null;
+        this.crrSlr.crrRequired = crore(data?.partB?.required?.[latest]);
+        this.crrSlr.slrRequired = crore(data?.partC?.required?.[latest]);
+
+        // Compliant only where BOTH ratios are met: the tile carries one tag for the pair, and a
+        // bank short on SLR is not within limits because its cash reserve happens to be ample.
+        const crrHeld = data?.partB?.maintained?.[latest];
+        const crrNeed = data?.partB?.required?.[latest];
+        const slrHeld = data?.partC?.maintained?.[latest];
+        const slrNeed = data?.partC?.required?.[latest];
+        if ([
+            crrHeld,
+            crrNeed,
+            slrHeld,
+            slrNeed
+          ].every((v) => v !== null && v !== undefined)) {
+          this.crrSlr.status = crrHeld >= crrNeed && slrHeld >= slrNeed ? 'ok' : 'short';
+        }
+      },
+      error: () => undefined
+    });
   }
 
   /**

src/app/interest-posting-report/interest-posting-report.component.html

@@ -22,9 +22,134 @@
         <input type="date" [(ngModel)]="postingDate" (change)="load()" />
       </label>
       <button class="ipr-btn" (click)="load()" [disabled]="loading"><fa-icon icon="undo"></fa-icon> Reload</button>
+      <button class="ipr-btn ipr-btn--primary" (click)="openPreview()" [disabled]="previewLoading">
+        <fa-icon icon="eye"></fa-icon> Preview interest (today)
+      </button>
     </div>
   </div>
 
+  @if (isHeadOffice) {
+    <div class="ipr-tabs">
+      <button class="ipr-tab" [class.is-active]="tab === 'own'" (click)="switchTab('own')">
+        <fa-icon icon="building"></fa-icon> My branch{{ myBranch ? ' — ' + myBranch : '' }}
+      </button>
+      <button class="ipr-tab" [class.is-active]="tab === 'others'" (click)="switchTab('others')">
+        <fa-icon icon="sitemap"></fa-icon> Other branches
+      </button>
+    </div>
+    @if (tab === 'others') {
+      <div class="ipr-alert ipr-alert--info">
+        <fa-icon icon="info-circle"></fa-icon>
+        <div>
+          Each branch generates and approves its own reports. The head office can act here only for a branch that has
+          not opened the day, and only once every other open branch has closed. Anything it approves is marked (HO).
+        </div>
+      </div>
+    }
+  }
+
+  @if (showPreview) {
+    <div class="ipr-card">
+      <div class="ipr-detail-head">
+        <div>
+          <h3>Interest preview — earned up to {{ previewAsOf }}</h3>
+          <div class="muted">
+            What each account would be paid if interest were posted today. View only — nothing is saved, approved or
+            posted.
+          </div>
+        </div>
+        <div class="ipr-total">
+          <span>Total so far</span>
+          <strong>₹{{ previewTotal | number: '1.2-2' }}</strong>
+          <span class="muted">{{ previewRows.length }} account(s)</span>
+        </div>
+      </div>
+      <div class="ipr-preview-actions">
+        <button class="ipr-btn ipr-btn--slim" (click)="openPreview()" [disabled]="previewLoading">
+          <fa-icon icon="undo"></fa-icon> Refresh
+        </button>
+        <button
+          class="ipr-btn ipr-btn--slim"
+          (click)="exportPreview()"
+          [disabled]="previewLoading || previewRows.length === 0"
+        >
+          <fa-icon icon="file-excel"></fa-icon> Export Excel
+        </button>
+        <button class="ipr-btn ipr-btn--slim" (click)="closePreview()"><fa-icon icon="times"></fa-icon> Close</button>
+      </div>
+      @if (previewLoading) {
+        <div class="ipr-empty">Calculating interest up to today…</div>
+      } @else {
+        <table class="ipr-table">
+          <thead>
+            <tr>
+              <th>Branch</th>
+              <th>Product</th>
+              <th>Posting date</th>
+              <th class="num">Accounts</th>
+              <th class="num">Interest so far</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (g of previewGroups; track g.officeName + g.productName) {
+              <tr>
+                <td>{{ g.officeName }}</td>
+                <td>
+                  <strong>{{ g.productName }}</strong>
+                </td>
+                <td>{{ g.postingDate }}</td>
+                <td class="num">{{ g.accounts }}</td>
+                <td class="num">₹{{ g.interest | number: '1.2-2' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="5" class="ipr-empty">No savings account has interest accrued in its current cycle.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+        @if (previewRows.length > 0) {
+          <table class="ipr-table">
+            <thead>
+              <tr>
+                <th>Branch</th>
+                <th>Product</th>
+                <th>Account no</th>
+                <th>Account holder</th>
+                <th class="num">Balance</th>
+                <th class="num">Rate %</th>
+                <th>Cycle</th>
+                <th class="num">Interest so far</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (r of previewRows; track r.savingsAccountId) {
+                <tr>
+                  <td>{{ r.officeName }}</td>
+                  <td>{{ r.productName }}</td>
+                  <td>{{ r.accountNo }}</td>
+                  <td>{{ r.clientName }}</td>
+                  <td class="num">₹{{ r.balance | number: '1.2-2' }}</td>
+                  <td class="num">{{ r.rate | number: '1.2-2' }}</td>
+                  <td class="muted">{{ r.cycleStart }} → {{ r.postingDate }}</td>
+                  <td class="num">₹{{ r.interest | number: '1.2-2' }}</td>
+                </tr>
+              }
+            </tbody>
+            <tfoot>
+              <tr>
+                <td colspan="7"><strong>Total</strong></td>
+                <td class="num">
+                  <strong>₹{{ previewTotal | number: '1.2-2' }}</strong>
+                </td>
+              </tr>
+            </tfoot>
+          </table>
+        }
+      }
+    </div>
+  }
+
   @if (errorMessage) {
     <div class="ipr-alert ipr-alert--error">
       <fa-icon icon="exclamation-triangle"></fa-icon>
@@ -52,9 +177,13 @@
         @for (d of due; track d.productId + '-' + d.officeId) {
           <div class="ipr-due-row">
             <strong>{{ d.productName }}</strong> <span>· {{ d.officeName }} · {{ d.postingDate }}</span>
-            <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="generate(d)" [disabled]="busy">
-              <fa-icon icon="sync"></fa-icon> Generate report
-            </button>
+            @if (d.canAct) {
+              <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="generate(d)" [disabled]="busy">
+                <fa-icon icon="sync"></fa-icon> {{ tab === 'others' ? 'Generate on behalf' : 'Generate report' }}
+              </button>
+            } @else if (d.blockedReason) {
+              <span class="ipr-blocked">{{ d.blockedReason }}</span>
+            }
           </div>
         }
       </div>
@@ -114,9 +243,12 @@
               }
               @if (canApprove(r)) {
                 <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="approve(r)" [disabled]="busy">
-                  <fa-icon icon="check"></fa-icon> Approve
+                  <fa-icon icon="check"></fa-icon> {{ tab === 'others' ? 'Approve on behalf' : 'Approve' }}
                 </button>
               }
+              @if (!r.canAct && r.blockedReason && (r.status === 'GENERATED' || r.status === 'APPROVED')) {
+                <span class="ipr-blocked">{{ r.blockedReason }}</span>
+              }
             </td>
           </tr>
         } @empty {

src/app/interest-posting-report/interest-posting-report.component.scss

@@ -274,3 +274,54 @@
   font-weight: 600;
   color: var(--i-amber);
 }
+
+// Preview: refresh / export / close, above the totals.
+.ipr-preview-actions {
+  display: flex;
+  gap: 6px;
+  justify-content: flex-end;
+  padding: 0 16px 10px;
+}
+
+.ipr-tabs {
+  display: flex;
+  gap: 4px;
+  margin-bottom: 12px;
+  border-bottom: 1px solid var(--i-g200);
+}
+
+.ipr-tab {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 8px 14px;
+  margin-bottom: -1px;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--i-g500);
+  cursor: pointer;
+  background: transparent;
+  border: 1px solid transparent;
+  border-radius: 6px 6px 0 0;
+
+  &.is-active {
+    color: var(--i-navy);
+    background: #fff;
+    border-color: var(--i-g200);
+    border-bottom-color: #fff;
+  }
+}
+
+.ipr-alert--info {
+  background: var(--i-blue-l);
+  color: var(--i-blue);
+}
+
+.ipr-blocked {
+  display: inline-block;
+  max-width: 320px;
+  font-size: 11px;
+  line-height: 1.35;
+  color: var(--i-g500);
+  white-space: normal;
+}

src/app/interest-posting-report/interest-posting-report.component.ts

@@ -11,11 +11,14 @@ import { FormsModule } from '@angular/forms';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { SettingsService } from 'app/settings/settings.service';
+import { exportWorkbook } from '../cashier/cashier-export';
 import {
   InterestPostingDue,
   InterestPostingReport,
   InterestPostingReportDetail,
-  InterestPostingReportService
+  InterestPostingReportService,
+  InterestPreviewRow,
+  ReportScope
 } from './interest-posting-report.service';
 
 /**
@@ -51,15 +54,48 @@ export class InterestPostingReportComponent implements OnInit {
   /** Products with interest due and no report yet — the noon job ran before they had anything due, or failed. */
   due: InterestPostingDue[] = [];
 
+  /** 'own' — the user's own branch; 'others' — every other branch, a head-office-only tab. */
+  tab: ReportScope = 'own';
+  isHeadOffice = false;
+  myBranch = '';
+
   ngOnInit(): void {
     this.postingDate = this.businessDateIso();
+    this.reportService.context().subscribe({
+      next: (ctx) => {
+        this.isHeadOffice = !!ctx?.headOffice;
+        this.myBranch = ctx?.officeName ?? '';
+      },
+      error: () => (this.isHeadOffice = false)
+    });
     this.load();
   }
 
+  switchTab(tab: ReportScope): void {
+    if (this.tab === tab) {
+      return;
+    }
+    this.tab = tab;
+    this.selected = null;
+    this.notice = '';
+    this.load();
+  }
+
+  /** Acting for another branch is the head office's exception, so it is spelt out before it happens. */
+  private confirmOnBehalf(officeName: string, action: string): boolean {
+    if (this.tab !== 'others') {
+      return true;
+    }
+    return confirm(
+      `${officeName} has not opened today. You are about to ${action} its interest posting report on its behalf, ` +
+        'from the head office. Continue?'
+    );
+  }
+
   load(): void {
     this.loading = true;
     this.errorMessage = '';
-    this.reportService.list(this.postingDate || undefined).subscribe({
+    this.reportService.list(this.postingDate || undefined, undefined, undefined, this.tab).subscribe({
       next: (reports) => {
         this.reports = reports ?? [];
         this.loading = false;
@@ -75,13 +111,16 @@ export class InterestPostingReportComponent implements OnInit {
         this.errorMessage = this.messageOf(err, 'Could not load the interest posting reports.');
       }
     });
-    this.reportService.dueWithoutReport(this.postingDate || undefined).subscribe({
+    this.reportService.dueWithoutReport(this.postingDate || undefined, this.tab).subscribe({
       next: (due) => (this.due = due ?? []),
       error: () => (this.due = [])
     });
   }
 
   generate(item: InterestPostingDue): void {
+    if (!this.confirmOnBehalf(item.officeName, 'generate')) {
+      return;
+    }
     this.busy = true;
     this.notice = '';
     this.errorMessage = '';
@@ -111,7 +150,8 @@ export class InterestPostingReportComponent implements OnInit {
     if (
       !confirm(
         `Regenerate the interest posting report for ${report.productName} — ${report.officeName}? It will need approving again.`
-      )
+      ) ||
+      !this.confirmOnBehalf(report.officeName, 'regenerate')
     ) {
       return;
     }
@@ -138,7 +178,8 @@ export class InterestPostingReportComponent implements OnInit {
       !confirm(
         `Approve interest of ₹${report.totalInterest} across ${report.accountCount} account(s) for ${report.productName}? ` +
           'It will be posted when the branch closes the day.'
-      )
+      ) ||
+      !this.confirmOnBehalf(report.officeName, 'approve')
     ) {
       return;
     }
@@ -177,8 +218,165 @@ export class InterestPostingReportComponent implements OnInit {
     );
   }
 
+  /** Pending reports that block this user's own day close; another branch's pending reports block only that branch. */
   get pendingCount(): number {
-    return this.reports.filter((r) => r.status === 'GENERATED').length;
+    return this.tab === 'own' ? this.reports.filter((r) => r.status === 'GENERATED').length : 0;
+  }
+
+  // ── Preview: what each account has earned so far, as if posted today. View only. ──
+
+  showPreview = false;
+  previewLoading = false;
+  previewRows: InterestPreviewRow[] = [];
+  previewAsOf = '';
+
+  openPreview(): void {
+    this.showPreview = true;
+    this.previewLoading = true;
+    this.errorMessage = '';
+    this.reportService.preview().subscribe({
+      next: (rows) => {
+        this.previewRows = rows ?? [];
+        this.previewAsOf = this.previewRows[0]?.asOf ?? this.businessDateIso();
+        this.previewLoading = false;
+      },
+      error: (err) => {
+        this.previewLoading = false;
+        this.previewRows = [];
+        this.errorMessage = this.messageOf(err, 'Could not load the interest preview.');
+      }
+    });
+  }
+
+  closePreview(): void {
+    this.showPreview = false;
+  }
+
+  get previewTotal(): number {
+    return this.previewRows.reduce((sum, r) => sum + Number(r.interest || 0), 0);
+  }
+
+  /** Totals by branch and product, for the summary above the account list and the export. */
+  get previewGroups(): {
+    officeName: string;
+    productName: string;
+    postingDate: string;
+    accounts: number;
+    interest: number;
+  }[] {
+    const map = new Map<
+      string,
+      { officeName: string; productName: string; postingDate: string; accounts: number; interest: number }
+    >();
+    this.previewRows.forEach((r) => {
+      const key = `${r.officeName}|${r.productName}`;
+      const g = map.get(key) ?? {
+        officeName: r.officeName,
+        productName: r.productName,
+        postingDate: r.postingDate,
+        accounts: 0,
+        interest: 0
+      };
+      g.accounts += 1;
+      g.interest += Number(r.interest || 0);
+      map.set(key, g);
+    });
+    return [...map.values()];
+  }
+
+  exportPreview(): void {
+    const stamp = `Interest earned to ${this.previewAsOf} — preview, not posted`;
+    exportWorkbook(
+      [
+        {
+          sheetName: 'By account',
+          title: 'Savings Interest Preview',
+          subtitle: stamp,
+          headers: [
+            'Branch',
+            'Product',
+            'Account No',
+            'Customer',
+            'Balance',
+            'Rate %',
+            'Cycle Start',
+            'Posting Date',
+            'Interest So Far'
+          ],
+          widths: [
+            18,
+            22,
+            20,
+            26,
+            16,
+            8,
+            12,
+            12,
+            16
+          ],
+          rows: [
+            ...this.previewRows.map((r) => [
+              r.officeName,
+              r.productName,
+              r.accountNo,
+              r.clientName,
+              Number(r.balance || 0),
+              Number(r.rate || 0),
+              r.cycleStart,
+              r.postingDate,
+              Number(r.interest || 0)
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.previewTotal
+            ]
+          ]
+        },
+        {
+          sheetName: 'By branch & product',
+          title: 'Savings Interest Preview — Totals',
+          subtitle: stamp,
+          headers: [
+            'Branch',
+            'Product',
+            'Posting Date',
+            'Accounts',
+            'Interest So Far'
+          ],
+          widths: [
+            18,
+            22,
+            12,
+            10,
+            16
+          ],
+          rows: [
+            ...this.previewGroups.map((g) => [
+              g.officeName,
+              g.productName,
+              g.postingDate,
+              g.accounts,
+              g.interest
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              this.previewRows.length,
+              this.previewTotal
+            ]
+          ]
+        }
+      ],
+      `savings-interest-preview-${this.previewAsOf}`
+    );
   }
 
   private businessDateIso(): string {

src/app/interest-posting-report/interest-posting-report.service.ts

@@ -12,6 +12,9 @@ import { Observable } from 'rxjs';
 
 export type InterestPostingReportStatus = 'GENERATED' | 'APPROVED' | 'POSTED' | 'SUPERSEDED';
 
+/** Which branches a list covers: the user's own, or (head office only) every other branch. */
+export type ReportScope = 'own' | 'others';
+
 export interface InterestPostingReport {
   id: number;
   productId: number;
@@ -32,6 +35,8 @@ export interface InterestPostingReport {
   failureReason: string | null;
   /** Whether the signed-in user may regenerate or approve it: their own branch, or the head office for a branch that did not open. */
   canAct: boolean;
+  /** Why not, where canAct is false. */
+  blockedReason: string | null;
 }
 
 export interface InterestPostingReportLine {
@@ -60,6 +65,8 @@ export interface InterestPostingDue {
   officeId: number;
   officeName: string;
   postingDate: string;
+  canAct: boolean;
+  blockedReason: string | null;
 }
 
 export interface InterestPostingSummaryRow {
@@ -78,6 +85,22 @@ export interface InterestPostingSummaryRow {
   postedAt: string | null;
 }
 
+export interface InterestPreviewRow {
+  officeId: number;
+  officeName: string;
+  productId: number;
+  productName: string;
+  savingsAccountId: number;
+  accountNo: string;
+  clientName: string;
+  balance: number;
+  rate: number;
+  cycleStart: string;
+  postingDate: string;
+  asOf: string;
+  interest: number;
+}
+
 /**
  * The savings interest posting reports, one per branch and product: generated at noon on a posting
  * date, approved by the branch, posted when the branch closes the day.
@@ -87,8 +110,15 @@ export class InterestPostingReportService {
   private http = inject(HttpClient);
   private readonly base = '/savingsinterestpostingreports';
 
-  list(postingDate?: string, status?: string, officeId?: number): Observable<InterestPostingReport[]> {
+  /** scope 'own' is the user's own branch; 'others' (head office only) every other branch. */
+  list(
+    postingDate?: string,
+    status?: string,
+    officeId?: number,
+    scope?: ReportScope
+  ): Observable<InterestPostingReport[]> {
     let params = new HttpParams();
+    if (scope) params = params.set('scope', scope);
     if (postingDate) params = params.set('postingDate', postingDate);
     if (status) params = params.set('status', status);
     if (officeId) params = params.set('officeId', String(officeId));
@@ -96,12 +126,18 @@ export class InterestPostingReportService {
   }
 
   /** Branch and product pairs with interest due by the date and no report yet, that this user may generate. */
-  dueWithoutReport(postingDate?: string): Observable<InterestPostingDue[]> {
+  dueWithoutReport(postingDate?: string, scope?: ReportScope): Observable<InterestPostingDue[]> {
     let params = new HttpParams();
+    if (scope) params = params.set('scope', scope);
     if (postingDate) params = params.set('postingDate', postingDate);
     return this.http.get<InterestPostingDue[]>(`${this.base}/due-without-report`, { params });
   }
 
+  /** The signed-in user's branch, and whether it is the head office. */
+  context(): Observable<{ officeId: number; officeName: string; headOffice: boolean }> {
+    return this.http.get<{ officeId: number; officeName: string; headOffice: boolean }>(`${this.base}/context`);
+  }
+
   detail(reportId: number): Observable<InterestPostingReportDetail> {
     return this.http.get<InterestPostingReportDetail>(`${this.base}/${reportId}`);
   }
@@ -126,6 +162,13 @@ export class InterestPostingReportService {
     );
   }
 
+  /** Interest each account has earned so far this cycle, as if posted today. View only. */
+  preview(officeId?: number): Observable<InterestPreviewRow[]> {
+    let params = new HttpParams();
+    if (officeId) params = params.set('officeId', String(officeId));
+    return this.http.get<InterestPreviewRow[]>(`${this.base}/preview`, { params });
+  }
+
   /** The head office's branch-wise view over a date range. */
   summary(fromDate?: string, toDate?: string, productId?: number): Observable<InterestPostingSummaryRow[]> {
     let params = new HttpParams();

src/app/loans/loans-account-stepper/loan-product-template-card/loan-product-template-card.component.html

@@ -0,0 +1,43 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+@if (product) {
+  <div class="lptc">
+    <div class="lptc__head">
+      <strong>{{ product.name }}</strong>
+      <span class="lptc__chip">{{ category }}</span>
+      <span class="lptc__chip lptc__chip--type">{{ type }}</span>
+    </div>
+    <div class="lptc__grid">
+      <div>
+        <span class="lptc__label">Amount</span>
+        <span>
+          @if (product.minPrincipal != null || product.maxPrincipal != null) {
+            {{ product.minPrincipal | number: '1.0-0' }} – {{ product.maxPrincipal | number: '1.0-0' }}
+          } @else {
+            —
+          }
+        </span>
+      </div>
+      <div>
+        <span class="lptc__label">Tenure (repayments)</span>
+        <span>
+          @if (product.minNumberOfRepayments != null || product.maxNumberOfRepayments != null) {
+            {{ product.minNumberOfRepayments }} – {{ product.maxNumberOfRepayments }}
+          } @else {
+            —
+          }
+        </span>
+      </div>
+      <div>
+        <span class="lptc__label">Short name</span>
+        <span>{{ product.shortName || '—' }}</span>
+      </div>
+    </div>
+  </div>
+}

src/app/loans/loans-account-stepper/loan-product-template-card/loan-product-template-card.component.scss

@@ -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/.
+ */
+
+.lptc {
+  margin: 4px 0 16px;
+  padding: 12px 16px;
+  border: 1px solid #bae6fd;
+  border-radius: 8px;
+  background: #f0f9ff;
+
+  &__head {
+    display: flex;
+    align-items: center;
+    gap: 8px;
+    margin-bottom: 8px;
+  }
+
+  &__chip {
+    padding: 1px 10px;
+    border-radius: 999px;
+    background: #e0f2fe;
+    color: #075985;
+    font-size: 12px;
+    font-weight: 600;
+
+    &--type {
+      background: #ede9fe;
+      color: #5b21b6;
+    }
+  }
+
+  &__grid {
+    display: grid;
+    grid-template-columns: repeat(3, minmax(0, 1fr));
+    gap: 8px 16px;
+    font-size: 13px;
+    color: #1e293b;
+  }
+
+  &__label {
+    display: block;
+    font-size: 11px;
+    letter-spacing: 0.04em;
+    text-transform: uppercase;
+    color: #64748b;
+  }
+}

src/app/loans/loans-account-stepper/loan-product-template-card/loan-product-template-card.component.ts

@@ -0,0 +1,37 @@
+/**
+ * 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 } from '@angular/core';
+import { DecimalPipe } from '@angular/common';
+import { productCategoryLabel, productTypeLabel } from 'app/products/loan-products/loan-product-types';
+
+/**
+ * The product picked on the loan account form, summarised with its category, type and the main limits, so the
+ * officer can see what the account will be opened under before going on.
+ */
+@Component({
+  selector: 'mifosx-loan-product-template-card',
+  templateUrl: './loan-product-template-card.component.html',
+  styleUrls: ['./loan-product-template-card.component.scss'],
+  imports: [DecimalPipe]
+})
+export class LoanProductTemplateCardComponent {
+  /** A product from the catalogue (the list shape), or undefined when none is picked. */
+  @Input() product: any;
+
+  get category(): string {
+    return productCategoryLabel(this.product?.advanceExtensions?.productTypeGroup);
+  }
+
+  get type(): string {
+    return productTypeLabel(
+      this.product?.advanceExtensions?.productTypeGroup,
+      this.product?.advanceExtensions?.productTypeSubGroup
+    );
+  }
+}

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

@@ -32,6 +32,9 @@ import { MatCheckbox } from '@angular/material/checkbox';
 import { MatStepperPrevious, MatStepperNext } from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { LoanProductCatalogService } from '../../services/loan-product-catalog.service';
+import { LoanProductTemplateCardComponent } from '../loan-product-template-card/loan-product-template-card.component';
+import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from 'app/products/loan-products/loan-product-types';
 
 /**
  * Loans Account Details Step
@@ -49,7 +52,8 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatStepperPrevious,
     FaIconComponent,
     MatStepperNext,
-    AsyncPipe
+    AsyncPipe,
+    LoanProductTemplateCardComponent
   ]
 })
 export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
@@ -59,6 +63,7 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
   private translateService = inject(TranslateService);
   private settingsService = inject(SettingsService);
   private commons = inject(Commons);
+  private catalog = inject(LoanProductCatalogService);
 
   //** Defining PlaceHolders for the search bar */
   placeHolderLabel = '';
@@ -88,6 +93,27 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
 
   loanId: any = null;
 
+  /** Category and product type narrow the product picker to the active products of that kind. */
+  readonly categories = PRODUCT_TYPE_GROUPS;
+  categoryFilter = '';
+  typeFilter = '';
+  /** Ids of the products active today; null until read, or if the read failed (then nothing is hidden). */
+  private activeProductIds: Set<number> | null = null;
+  /** Every product from the template, before any filter. */
+  private allProducts: any[] = [];
+
+  /** Types offered for the chosen category; every type when no category is chosen. */
+  get typeOptions() {
+    return this.categoryFilter
+      ? (PRODUCT_SUB_TYPES[this.categoryFilter] ?? [])
+      : Object.values(PRODUCT_SUB_TYPES).flat();
+  }
+
+  /** The product picked in the form, with its category and type, for the template card. */
+  get selectedProduct(): any {
+    return this.catalog.get(this.loansAccountDetailsForm?.get('productId')?.value);
+  }
+
   loanProductSelected = false;
   /** Currency data. */
   protected productData: ReplaySubject<string[]> = new ReplaySubject<string[]>(1);
@@ -115,7 +141,8 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
     this.maxDate = this.settingsService.maxFutureDate;
     this.buildDependencies();
     if (this.loansAccountTemplate) {
-      this.productList = this.loansAccountTemplate.productOptions.sort(this.commons.dynamicSort('name'));
+      this.allProducts = this.loansAccountTemplate.productOptions.sort(this.commons.dynamicSort('name'));
+      this.productList = this.allProducts;
       if (this.loansAccountTemplate.loanProductId) {
         this.loansAccountDetailsForm.patchValue({
           productId: this.loansAccountTemplate.loanProductId,
@@ -136,6 +163,44 @@ export class LoansAccountDetailsStepComponent implements OnInit, OnDestroy {
       this.searchItem();
     });
     this.productData.next(this.productList.slice());
+    this.loadActiveProducts();
+  }
+
+  /**
+   * A new account can only be opened on a product that is active today, and the picker can be narrowed by category
+   * and type. Editing an existing account keeps every product, since its own product may have closed since.
+   */
+  private loadActiveProducts(): void {
+    if (this.loanId) {
+      return;
+    }
+    this.catalog.activeProducts().subscribe((products) => {
+      this.activeProductIds = products.length > 0 ? new Set(products.map((product) => Number(product.id))) : null;
+      this.applyProductFilters();
+    });
+  }
+
+  onCategoryChange(): void {
+    // A type belongs to one category, so a type from another category cannot stay selected.
+    if (this.typeFilter && !this.typeOptions.some((type) => type.id === this.typeFilter)) {
+      this.typeFilter = '';
+    }
+    this.applyProductFilters();
+  }
+
+  /** Rebuilds the product list from the template: active only, then category and type, then the search text. */
+  applyProductFilters(): void {
+    this.productList = this.allProducts.filter((product: any) => {
+      if (this.activeProductIds && !this.activeProductIds.has(Number(product.id))) {
+        return false;
+      }
+      const ext = this.catalog.classification(product.id);
+      if (this.categoryFilter && ext['productTypeGroup'] !== this.categoryFilter) {
+        return false;
+      }
+      return !this.typeFilter || ext['productTypeSubGroup'] === this.typeFilter;
+    });
+    this.searchItem();
   }
 
   ngOnDestroy(): void {

src/app/loans/services/loan-product-catalog.service.ts

@@ -0,0 +1,48 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Injectable, inject } from '@angular/core';
+import { Observable, of } from 'rxjs';
+import { catchError, map, tap } from 'rxjs/operators';
+import { ProductsService } from 'app/products/products.service';
+
+/**
+ * Read-only view of the loan product catalogue for the loan account screens: which products are active today and
+ * what category and type each one is. Reads the normal product list once; the category and type of each product
+ * come from the classification the list carries (`advanceExtensions`).
+ */
+@Injectable({
+  providedIn: 'root'
+})
+export class LoanProductCatalogService {
+  private productsService = inject(ProductsService);
+
+  private byId = new Map<number, any>();
+
+  /**
+   * The products that are active today. Also remembers every product it saw, so `get` and `classification` can
+   * answer for them afterwards. An empty list on failure, so the picker never ends up with nothing to choose.
+   */
+  activeProducts(): Observable<any[]> {
+    return this.productsService.getLoanProducts().pipe(
+      tap((products: any[]) => (products ?? []).forEach((product) => this.byId.set(Number(product.id), product))),
+      map((products: any[]) => (products ?? []).filter((product) => product?.status === 'loanProduct.active')),
+      catchError(() => of([]))
+    );
+  }
+
+  /** A product seen by `activeProducts`, or undefined before it ran or for an unknown id. */
+  get(productId: any): any {
+    return this.byId.get(Number(productId));
+  }
+
+  /** The product's category and type (`productTypeGroup`, `productTypeSubGroup`, ...), empty when it has none. */
+  classification(productId: any): Record<string, any> {
+    return this.get(productId)?.advanceExtensions ?? {};
+  }
+}

src/app/organization/rbi-reserve-config/rbi-reserve-config.component.html

@@ -52,7 +52,9 @@
                 }
               } @else {
                 <span class="rrc-rate-now__value rrc-rate-now__value--none">Not set</span>
-                <span class="rrc-rate-now__since">{{ type === 'CRR' ? 'Form 1' : 'Form 9' }} cannot compute</span>
+                <span class="rrc-rate-now__since"
+                  >{{ type === 'CRR' ? 'Form 1 Part B' : 'Form 1 Part C' }} cannot compute</span
+                >
               }
             </div>
           }
@@ -62,8 +64,10 @@
           <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-rate-form__type">
             <mat-label>Rate</mat-label>
             <mat-select [(ngModel)]="newRate.rateType">
-              <mat-option value="CRR">CRR — Form 1</mat-option>
-              <mat-option value="SLR">SLR — Form 9</mat-option>
+              <!-- Both ratios are Form 1's. Part B charges section 18 on the base, Part C section
+                 24 on the same base - one form, two parts, not two returns. -->
+              <mat-option value="CRR">CRR — Form 1 Part B</mat-option>
+              <mat-option value="SLR">SLR — Form 1 Part C</mat-option>
               <!-- Not a reserve ratio, but set by RBI and effective-dated the same way: the share of
                  savings balances that counts as a demand liability, the rest being time. -->
               <mat-option value="SAVINGS_DEMAND">Savings — demand share</mat-option>

src/app/organization/rbi-reserve-config/rbi-reserve-config.component.ts

@@ -23,8 +23,11 @@ export interface ReserveMapping {
 }
 
 /**
- * Configuration behind RBI Form 1 (CRR) and Form 9 (SLR): the percentages RBI sets, and which GL
- * accounts the returns read their figures from.
+ * Configuration behind RBI Form 1: the percentages RBI sets, and which GL accounts the return reads
+ * its figures from.
+ *
+ * One form settles both ratios. Part B is section 18 (the cash reserve) and Part C is section 24
+ * (the liquid assets), charged on the same base, so CRR and SLR are configured together here.
  *
  * Both halves sit on one screen because they are one decision. A percentage applies to a base, and
  * an administrator who sets the rate but never maps the accounts produces a return that looks
@@ -47,8 +50,8 @@ export class RbiReserveConfigComponent implements OnInit {
   private organizationService = inject(OrganizationService);
 
   /**
-   * Which return's roles this screen configures, as the backend groups them: 'RESERVE' for Form 1
-   * and Form 9, 'OSS1', 'OSS2'. Null shows every role.
+   * Which return's roles this screen configures, as the backend groups them: 'RESERVE' for Form 1,
+   * 'FORM9' for Form IX, 'OSS1', 'OSS2'. Null shows every role.
    *
    * A screen per return rather than one screen for all of them: the four roles that drive CRR and
    * the thirty that do not are separate decisions, made by different people at different times,
@@ -65,13 +68,14 @@ export class RbiReserveConfigComponent implements OnInit {
   roleGroups: { name: string; label: string; roles: any[] }[] = [];
 
   /**
-   * Which return's configuration is on screen: Form 1, Form 9, or both together.
+   * Which return's configuration is on screen: Form 1, Form IX, or both together.
    *
-   * The two returns share a base but maintain their requirement in different assets, so an
-   * administrator setting one up is looking at a different set of heads than one setting up the
-   * other. Showing all twenty-six at once buries the four that matter for the task in hand.
+   * The two returns have nothing in common - Form 1 charges ratios on a liability base, Form IX
+   * reports a balance sheet - so an administrator setting one up is looking at a different set of
+   * heads than one setting up the other. Showing all of them at once buries the handful that matter
+   * for the task in hand.
    */
-  formFilter: 'ALL' | 'FORM_1' | 'FORM_9' | 'FORM_IX' = 'ALL';
+  formFilter: 'ALL' | 'FORM_1' | 'FORM_IX' = 'ALL';
 
   /** Every reserve role the backend returned, before the form filter narrows it. */
   private allRoles: any[] = [];
@@ -95,20 +99,28 @@ export class RbiReserveConfigComponent implements OnInit {
     return scoped.filter((r: any) => this.belongsToSelectedForm(r));
   }
 
+  /**
+   * The returns this bank files, and the only ones that can be configured.
+   *
+   * There is no separate SLR return. Form 1 settles both ratios on one form - Part B is section 18,
+   * the cash reserve, and Part C is section 24, the liquid assets - so the heads that meet SLR are
+   * Form 1's heads. A "Form 9 - SLR" option used to sit here from before that was understood; it
+   * selected a return that has no report behind it, and filtered the SLR heads out of the one form
+   * that actually reports them.
+   */
   readonly formFilters = [
     { value: 'ALL', label: 'All returns' },
-    { value: 'FORM_1', label: 'Form 1 — CRR (fortnightly)' },
-    { value: 'FORM_9', label: 'Form 9 — SLR (monthly)' },
+    { value: 'FORM_1', label: 'Form 1 — CRR & SLR' },
     { value: 'FORM_IX', label: 'Form IX — Assets & Liabilities (R408)' }
   ];
 
   /**
    * Whether a head belongs to the return currently selected.
    *
-   * Decided from how the return consumes the head rather than from its name: MAINTAINED is met in
-   * cash and balances and so is Form 1's, SLR_ASSET is met in securities and gold and so is Form
-   * 9's, and a head that builds or nets the DTL base belongs to both because both charge their rate
-   * on that same base. A memo head is stated on either return and so shows on both.
+   * Form 1 takes every head that is not Form IX's. It reports both ratios: MAINTAINED heads are met
+   * in cash and balances and settle Part B, SLR_ASSET heads are met in securities and gold and
+   * settle Part C, and the heads that build or net the DTL base feed the IV(b) both rates are
+   * charged on. Splitting them across two filters only hid half of one form.
    */
   private belongsToSelectedForm(role: any): boolean {
     if (this.formFilter === 'ALL') {
@@ -125,19 +137,7 @@ export class RbiReserveConfigComponent implements OnInit {
     if (this.formFilter === 'FORM_IX') {
       return false;
     }
-    // The built-in SLR investments role predates the SLR_ASSET usage and still carries MAINTAINED,
-    // so it is placed by name; every other head is placed by how the return consumes it.
-    if (role.configKey === 'SLR_INVESTMENTS') {
-      return this.formFilter === 'FORM_9';
-    }
-    const usage = role.usage || role.roleUsage;
-    if (usage === 'MAINTAINED') {
-      return this.formFilter === 'FORM_1';
-    }
-    if (usage === 'SLR_ASSET') {
-      return this.formFilter === 'FORM_9';
-    }
-    // LIABILITY, ASSET_NET and MEMO all appear on both returns.
+    // Everything left belongs to Form 1, whichever of its two parts it settles.
     return true;
   }
 
@@ -171,15 +171,15 @@ export class RbiReserveConfigComponent implements OnInit {
   /**
    * How a head an administrator adds is consumed by the return.
    *
-   * MAINTAINED and SLR_ASSET are separate because the two returns admit different assets: CRR is
-   * met in cash and balances with banks, SLR in cash, gold and approved securities. One option for
-   * both would let a head meant for Form 1 quietly satisfy Form 9.
+   * MAINTAINED and SLR_ASSET are separate because the two parts admit different assets: CRR is met
+   * in cash and balances with banks, SLR in cash, gold and approved securities. One option for both
+   * would let a head meant for Part B quietly satisfy Part C.
    */
   readonly roleUsages = [
-    { value: 'LIABILITY', label: 'Liability — adds to the DTL base (Form 1 & 9)' },
-    { value: 'ASSET_NET', label: 'Asset — netted off the base to give NDTL (Form 1 & 9)' },
-    { value: 'MAINTAINED', label: 'Counts toward CRR maintained (Form 1)' },
-    { value: 'SLR_ASSET', label: 'Counts toward SLR maintained (Form 9)' },
+    { value: 'LIABILITY', label: 'Liability — adds to the DTL base (Form 1)' },
+    { value: 'ASSET_NET', label: 'Asset — netted off the base to give NDTL (Form 1)' },
+    { value: 'MAINTAINED', label: 'Counts toward CRR maintained (Form 1 Part B)' },
+    { value: 'SLR_ASSET', label: 'Counts toward SLR maintained (Form 1 Part C)' },
     // Form IX has no ratio and no base: its usages say which side of the balance sheet a head sits
     // on. LIABILITY above serves its liability side, and this its asset side.
     { value: 'ASSET', label: 'Asset — enters Total Assets (Form IX)' },
@@ -282,9 +282,9 @@ export class RbiReserveConfigComponent implements OnInit {
 
   get screenSubtitle(): string {
     return (
-      'The CRR and SLR percentages, and the GL accounts that RBI Form 1 (CRR, fortnightly) and Form 9 (SLR, monthly) ' +
-      'read their figures from. A rate applies to a base — so a role left unmapped stops its return computing rather ' +
-      'than reporting a nil figure that looks real.'
+      'The CRR and SLR percentages, and the GL accounts RBI Form 1 reads its figures from — Part B settles the cash ' +
+      'reserve, Part C the liquid assets, both charged on the same base. A rate applies to a base — so a role left ' +
+      'unmapped stops the return computing rather than reporting a nil figure that looks real.'
     );
   }
 

src/app/products/loan-interest-rate-register/cibil-adjustment/cibil-adjustment.component.html

@@ -0,0 +1,96 @@
+<!--
+  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__readonly-banner" *ngIf="!canEdit">
+    <i class="fas fa-lock"></i>
+    <div>
+      <div class="ca__readonly-title">Read-only — {{ register.status }}</div>
+      <div class="ca__readonly-sub">{{ readOnlyReason() }}</div>
+    </div>
+  </div>
+
+  <div class="ca__active-strip" *ngIf="active">
+    <span class="ca__active-dot">●</span>
+    <span class="ca__active-label">CURRENT ACTIVE</span>
+    <span class="ca__active-name">{{ active.name }}</span>
+    <span class="ca__active-sub">· effective {{ active.effectiveFrom }} → {{ active.effectiveTo || '—' }}</span>
+    <span class="ca__active-flag" *ngIf="isActiveRegister()">You are viewing the Active register</span>
+    <a class="ca__active-link" *ngIf="!isActiveRegister()" (click)="viewActive()">View active →</a>
+  </div>
+
+  <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__card">
+    <div class="ca__card-head">
+      <div>
+        <div class="ca__card-title">Credit score slabs</div>
+        <div class="ca__card-sub">
+          Only the Adjustment % is editable · changes apply to new sanctions after the register is approved
+        </div>
+      </div>
+      <button *ngIf="canEdit" mat-stroked-button class="ca__dash-btn" (click)="addSlab()">
+        <i class="fas fa-plus"></i> Add slab
+      </button>
+    </div>
+
+    <table class="ca__editgrid">
+      <thead>
+        <tr>
+          <th class="ca__col-ix">#</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 class="ca__col-del"></th>
+        </tr>
+      </thead>
+      <tbody>
+        <tr *ngFor="let slab of register.cibilSlabs; let i = index">
+          <td class="ca__col-ix">{{ i + 1 }}</td>
+          <td class="ca__num ca__cell-readonly">{{ slab.from }}</td>
+          <td class="ca__num ca__cell-readonly">{{ slab.to }}</td>
+          <td>
+            <span [class]="tierClass(slab.tier)">{{ slab.tier }}</span>
+          </td>
+          <td class="ca__cell-muted">{{ slab.type }}</td>
+          <td class="ca__num">
+            <div class="ca__adj-wrap">
+              <input
+                [class]="adjustInputClass(slab.adjustmentPct)"
+                type="number"
+                step="0.05"
+                [(ngModel)]="slab.adjustmentPct"
+                [readonly]="!canEdit"
+              />
+              <span class="ca__adj-suffix">%</span>
+            </div>
+          </td>
+          <td class="ca__col-del">
+            <button *ngIf="canEdit" type="button" class="ca__delete-btn" title="Delete slab" (click)="deleteSlab(i)">
+              <i class="fas fa-trash-alt"></i>
+            </button>
+          </td>
+        </tr>
+      </tbody>
+    </table>
+  </div>
+
+  <div class="ca__footer">
+    <button mat-stroked-button (click)="backToRegister()">{{ canEdit ? 'Cancel' : 'Back to register' }}</button>
+    <button *ngIf="canEdit" mat-flat-button color="primary" (click)="save()">Save adjustments</button>
+  </div>
+</div>

src/app/products/loan-interest-rate-register/cibil-adjustment/cibil-adjustment.component.scss

@@ -0,0 +1,414 @@
+/**
+ * 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: 24px 32px;
+  display: flex;
+  flex-direction: column;
+  gap: 16px;
+
+  &__active-strip {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 10px 18px;
+    background: #ecfdf5;
+    border: 1px solid #a7f3d0;
+    border-radius: 10px;
+    font-size: 12px;
+    color: #065f46;
+  }
+
+  &__active-dot {
+    color: #059669;
+    font-size: 14px;
+    line-height: 1;
+  }
+
+  &__active-label {
+    font-size: 10px;
+    letter-spacing: 0.5px;
+    font-weight: 700;
+    color: #065f46;
+  }
+
+  &__active-name {
+    font-weight: 600;
+    color: #064e3b;
+  }
+
+  &__active-sub {
+    color: #047857;
+  }
+
+  &__active-flag {
+    margin-left: auto;
+    font-size: 11px;
+    font-weight: 600;
+    color: #047857;
+    background: #d1fae5;
+    padding: 3px 10px;
+    border-radius: 999px;
+  }
+
+  &__active-link {
+    margin-left: auto;
+    font-size: 12px;
+    font-weight: 600;
+    color: #047857;
+    cursor: pointer;
+
+    &:hover {
+      text-decoration: underline;
+    }
+  }
+
+  &__readonly-banner {
+    display: flex;
+    align-items: center;
+    gap: 12px;
+    padding: 12px 18px;
+    background: #fef3c7;
+    border: 1px solid #fcd34d;
+    border-left: 4px solid #d97706;
+    border-radius: 10px;
+    color: #78350f;
+
+    i {
+      font-size: 16px;
+      color: #d97706;
+    }
+  }
+
+  &__readonly-title {
+    font-size: 13px;
+    font-weight: 700;
+    color: #78350f;
+  }
+
+  &__readonly-sub {
+    margin-top: 2px;
+    font-size: 12px;
+    color: #92400e;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    padding: 20px 24px;
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+  }
+
+  &__header-icon {
+    width: 42px;
+    height: 42px;
+    border-radius: 10px;
+    background: #dbeafe;
+    color: #1d4ed8;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 14px;
+    font-weight: 700;
+    letter-spacing: 0.3px;
+  }
+
+  &__header-text {
+    flex: 1;
+
+    h2 {
+      margin: 0;
+      font-size: 20px;
+      font-weight: 600;
+      color: #0f172a;
+    }
+
+    p {
+      margin: 3px 0 0;
+      font-size: 12px;
+      color: #64748b;
+    }
+  }
+
+  &__card {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+    overflow: hidden;
+  }
+
+  &__card-head {
+    padding: 16px 20px;
+    border-bottom: 1px solid #f1f5f9;
+    display: flex;
+    align-items: flex-start;
+    justify-content: space-between;
+    gap: 12px;
+  }
+
+  &__card-title {
+    font-size: 15px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__card-sub {
+    margin-top: 2px;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__dash-btn {
+    height: 32px;
+    font-size: 12px;
+    font-weight: 600;
+    color: #1d4ed8;
+    border: 1px dashed #1d4ed8;
+    padding: 0 14px;
+
+    i {
+      margin-right: 6px;
+    }
+  }
+
+  &__num {
+    text-align: right;
+  }
+
+  &__col-ix {
+    width: 44px;
+    text-align: center;
+    color: #94a3b8;
+    font-weight: 600;
+  }
+
+  &__col-del {
+    width: 48px;
+    text-align: center;
+  }
+
+  &__cell-muted {
+    color: #64748b;
+  }
+
+  &__cell-readonly {
+    color: #0f172a;
+    font-variant-numeric: tabular-nums;
+    padding: 0 22px;
+  }
+
+  &__footer {
+    display: flex;
+    justify-content: flex-end;
+    gap: 10px;
+    padding: 4px 2px;
+  }
+}
+
+/* ---- Editable grid ---------------------------------------------------- */
+
+.ca__editgrid {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  thead tr {
+    background: #f8fafc;
+
+    th {
+      text-align: left;
+      padding: 10px 16px;
+      font-size: 10px;
+      text-transform: uppercase;
+      letter-spacing: 0.4px;
+      color: #64748b;
+      font-weight: 600;
+      border-bottom: 1px solid #e2e8f0;
+
+      &.ca__num {
+        text-align: right;
+      }
+    }
+  }
+
+  tbody tr {
+    border-bottom: 1px solid #f1f5f9;
+    transition: background 0.12s ease;
+
+    &:hover {
+      background: #f8fafc;
+
+      .ca__delete-btn {
+        opacity: 1;
+      }
+    }
+
+    &:last-child {
+      border-bottom: 0;
+    }
+
+    td {
+      padding: 8px 12px;
+      vertical-align: middle;
+    }
+  }
+}
+
+/* Borderless cell input — gets a visible border on hover/focus. */
+.ca__ghost-input {
+  width: 100%;
+  height: 32px;
+  border: 1px solid transparent;
+  background: transparent;
+  border-radius: 6px;
+  padding: 0 10px;
+  font-size: 13px;
+  color: #0f172a;
+  font-family: inherit;
+  box-sizing: border-box;
+
+  &:hover {
+    border-color: #e2e8f0;
+    background: white;
+  }
+
+  &:focus {
+    outline: none;
+    border-color: #1d4ed8;
+    background: white;
+    box-shadow: 0 0 0 3px rgb(29 78 216 / 10%);
+  }
+
+  &--num {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+  }
+
+  /* Hide number input spinners for a cleaner look. */
+  &[type='number']::-webkit-inner-spin-button,
+  &[type='number']::-webkit-outer-spin-button {
+    appearance: none;
+    margin: 0;
+  }
+
+  &[type='number'] {
+    appearance: textfield;
+  }
+}
+
+/* Adjustment input — coloured by sign, with trailing % suffix. */
+.ca__adj-wrap {
+  display: inline-flex;
+  align-items: center;
+  justify-content: flex-end;
+  gap: 2px;
+  width: 100%;
+}
+
+.ca__adj-input {
+  width: 72px;
+  font-weight: 700;
+
+  &--negative {
+    color: #059669;
+  }
+
+  &--positive {
+    color: #d97706;
+  }
+
+  &--high {
+    color: #dc2626;
+  }
+}
+
+.ca__adj-suffix {
+  color: #94a3b8;
+  font-size: 12px;
+  font-weight: 600;
+}
+
+/* Chip-shaped tier select — background matches the current tier. */
+.ca__tier-select {
+  appearance: none;
+  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'><path fill='%2364748b' d='M0 0l5 6 5-6z'/></svg>");
+  background-repeat: no-repeat;
+  background-position: right 10px center;
+  padding: 4px 26px 4px 12px;
+  height: 28px;
+  border: 1px solid transparent;
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 600;
+  cursor: pointer;
+  font-family: inherit;
+
+  &:focus {
+    outline: none;
+    box-shadow: 0 0 0 3px rgb(29 78 216 / 15%);
+  }
+
+  &--vpoor {
+    background-color: #fecaca;
+    color: #7f1d1d;
+  }
+
+  &--poor {
+    background-color: #fee2e2;
+    color: #991b1b;
+  }
+
+  &--fair {
+    background-color: #fef3c7;
+    color: #92400e;
+  }
+
+  &--good {
+    background-color: #dbeafe;
+    color: #1e40af;
+  }
+
+  &--excellent {
+    background-color: #d1fae5;
+    color: #065f46;
+  }
+}
+
+/* Trash button — hidden until row hover. */
+.ca__delete-btn {
+  width: 28px;
+  height: 28px;
+  border: 1px solid transparent;
+  background: transparent;
+  color: #94a3b8;
+  border-radius: 6px;
+  font-size: 12px;
+  line-height: 1;
+  cursor: pointer;
+  opacity: 0;
+  transition:
+    opacity 0.12s ease,
+    color 0.12s ease,
+    border-color 0.12s ease,
+    background 0.12s ease;
+
+  &:hover {
+    border-color: #fecaca;
+    background: #fef2f2;
+    color: #dc2626;
+  }
+
+  &:focus-visible {
+    opacity: 1;
+  }
+}

src/app/products/loan-interest-rate-register/cibil-adjustment/cibil-adjustment.component.ts

@@ -0,0 +1,139 @@
+/**
+ * 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 { RateRegisterService } from '../rate-register.service';
+import { CibilSlab, RateRegister } from '../models/rate-register.model';
+
+/**
+ * CIBIL / credit-score slab editor.
+ * Score range, tier and type are fixed per slab; only the Adjustment % is editable.
+ * New slabs can be appended (and removed) via Add slab / row trash.
+ */
+@Component({
+  selector: 'mifosx-cibil-adjustment',
+  templateUrl: './cibil-adjustment.component.html',
+  styleUrls: ['./cibil-adjustment.component.scss'],
+  imports: [
+    CommonModule,
+    FormsModule,
+    MatButtonModule
+  ]
+})
+export class CibilAdjustmentComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+
+  register!: RateRegister;
+  active?: RateRegister;
+
+  ngOnInit(): void {
+    const idParam = this.route.snapshot.queryParamMap.get('id');
+    const id = idParam ? Number(idParam) : null;
+    this.service.list().subscribe((all) => {
+      const found = (id ? all.find((r) => r.id === id) : undefined) ?? this.service.getActiveOrFirstDraft();
+      if (!found) {
+        this.router.navigate(['/products/loan-interest-rate-register']);
+        return;
+      }
+      this.register = found;
+      this.active = this.service.getActive();
+    });
+  }
+
+  isActiveRegister(): boolean {
+    return !!this.active && this.active.id === this.register?.id;
+  }
+
+  viewActive(): void {
+    if (this.active) {
+      this.router.navigate(['/products/loan-interest-rate-register/cibil'], { queryParams: { id: this.active.id } });
+    }
+  }
+
+  /** Only a Draft can be edited. Pending Approval / Active / Expired open read-only. */
+  get canEdit(): boolean {
+    return this.register?.status === 'Draft';
+  }
+
+  readOnlyReason(): string {
+    switch (this.register?.status) {
+      case 'Pending Approval':
+        return 'This version has been submitted and is awaiting checker approval. No further edits allowed.';
+      case 'Active':
+        return 'This is the current Active register. Click "Edit (new version)" on the list page to propose changes.';
+      case 'Expired':
+        return 'This is an inactive historical version. Read-only.';
+      default:
+        return 'Read-only.';
+    }
+  }
+
+  tierClass(tier: CibilSlab['tier']): string {
+    const map: Record<string, string> = {
+      'V. Poor': 'tier tier--vpoor',
+      Poor: 'tier tier--poor',
+      Fair: 'tier tier--fair',
+      Good: 'tier tier--good',
+      Excellent: 'tier tier--excellent'
+    };
+    return map[tier] ?? 'tier';
+  }
+
+  /** Classes to colour the adjustment number by sign/magnitude. */
+  adjustInputClass(pct: number): string {
+    const base = 'ca__ghost-input ca__ghost-input--num ca__adj-input';
+    if (pct < 0) {
+      return `${base} ca__adj-input--negative`;
+    }
+    if (pct >= 1) {
+      return `${base} ca__adj-input--high`;
+    }
+    if (pct > 0) {
+      return `${base} ca__adj-input--positive`;
+    }
+    return base;
+  }
+
+  /** Append a new slab continuing from the current highest "score to". */
+  addSlab(): void {
+    if (!this.canEdit) {
+      return;
+    }
+    const lastTo = this.register.cibilSlabs.length ? Math.max(...this.register.cibilSlabs.map((s) => s.to)) : 0;
+    const from = Math.min(lastTo + 1, 900);
+    this.register.cibilSlabs.push({
+      from,
+      to: Math.min(from + 50, 900),
+      tier: 'Fair',
+      type: 'Flat',
+      adjustmentPct: 0
+    });
+  }
+
+  deleteSlab(index: number): void {
+    if (!this.canEdit) {
+      return;
+    }
+    this.register.cibilSlabs.splice(index, 1);
+  }
+
+  /** Edits are kept in the in-memory service (the register reference is shared). */
+  save(): void {
+    this.router.navigate(['/products/loan-interest-rate-register/edit'], { queryParams: { id: this.register.id } });
+  }
+
+  backToRegister(): void {
+    this.save();
+  }
+}

src/app/products/loan-interest-rate-register/edit-register/edit-register.component.html

@@ -0,0 +1,199 @@
+<!--
+  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__active-strip" *ngIf="active">
+    <span class="er__active-dot">●</span>
+    <span class="er__active-label">CURRENT ACTIVE</span>
+    <span class="er__active-name">{{ active.name }}</span>
+    <span class="er__active-sub">· effective {{ active.effectiveFrom }} → {{ active.effectiveTo || '—' }}</span>
+    <span class="er__active-flag" *ngIf="isActiveRegister()">You are viewing the Active register</span>
+    <a class="er__active-link" *ngIf="!isActiveRegister()" (click)="viewActive()">View active →</a>
+  </div>
+
+  <div class="er__readonly-banner" *ngIf="!canEdit">
+    <i class="fas fa-lock"></i>
+    <div>
+      <div class="er__readonly-title">Read-only — {{ register.status }}</div>
+      <div class="er__readonly-sub">{{ readOnlyReason() }}</div>
+    </div>
+  </div>
+
+  <div class="er__meta-bar">
+    <div class="er__field">
+      <label>REGISTER NAME</label>
+      <input type="text" [(ngModel)]="register.name" [readonly]="!canEdit" placeholder="Entered when you submit" />
+    </div>
+    <div class="er__field er__field--date">
+      <label>EFFECTIVE FROM</label>
+      <input type="date" [(ngModel)]="register.effectiveFrom" [readonly]="!canEdit" />
+    </div>
+    <div class="er__field er__field--date">
+      <label>EFFECTIVE TO</label>
+      <input type="date" [(ngModel)]="register.effectiveTo" [readonly]="!canEdit" />
+    </div>
+    <div class="er__field er__field--curr">
+      <label>CURRENCY</label>
+      <select [(ngModel)]="register.currency" [disabled]="!canEdit">
+        <option value="INR">INR</option>
+        <option value="USD">USD</option>
+      </select>
+    </div>
+    <button mat-stroked-button class="er__meta-btn" *ngIf="canEdit"><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
+        <span *ngIf="canEdit">· click any cell to edit</span>
+        <span *ngIf="!canEdit">· read-only view</span>
+        <span class="er__gl-warn" *ngIf="unmappedCount() > 0"
+          >· {{ unmappedCount() }} without GL — map every product's GL before submitting</span
+        >
+      </div>
+      <div class="er__grid-actions" *ngIf="canEdit">
+        <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__add-panel" *ngIf="addingProduct && canEdit">
+      <div class="er__add-title">Add product</div>
+      <div class="er__add-fields">
+        <div class="er__field">
+          <label>PRODUCT NAME</label>
+          <input type="text" [(ngModel)]="newProductName" placeholder="e.g. Education Loan" />
+        </div>
+        <div class="er__field er__field--gl">
+          <label>GL ACCOUNT (required)</label>
+          <mifosx-gl-picker [options]="glOptions" [(value)]="newProductGl"></mifosx-gl-picker>
+        </div>
+        <button mat-flat-button color="primary" (click)="confirmAddProduct()">Add</button>
+        <button mat-stroked-button (click)="cancelAddProduct()">Cancel</button>
+      </div>
+      <div class="er__add-error" *ngIf="addProductError">{{ addProductError }}</div>
+    </div>
+    <div class="er__add-panel" *ngIf="addingSlab && canEdit">
+      <div class="er__add-title">Add amount slab</div>
+      <div class="er__add-fields">
+        <div class="er__field">
+          <label>UPPER LIMIT (₹) — leave blank for "above the last slab"</label>
+          <input type="number" min="1" [(ngModel)]="newSlabAmount" placeholder="e.g. 5000000" />
+        </div>
+        <div class="er__field">
+          <label>SLAB LABEL</label>
+          <input
+            type="text"
+            [(ngModel)]="newSlabLabel"
+            [placeholder]="suggestedSlabLabel() || 'e.g. Upto 50,00,000 or > 50,00,000'"
+          />
+        </div>
+        <button mat-flat-button color="primary" (click)="confirmAddSlab()">Add</button>
+        <button mat-stroked-button (click)="cancelAddSlab()">Cancel</button>
+      </div>
+      <div class="er__add-hint">The new slab is added as the last column; fill in its rates for each product.</div>
+      <div class="er__add-error" *ngIf="addSlabError">{{ addSlabError }}</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 }}
+              <div class="er__gl" *ngIf="glEditRow !== i">
+                <span
+                  class="er__gl-tag"
+                  [class.er__gl-tag--unmapped]="row.glAccountId == null"
+                  [class.er__gl-tag--editable]="canEdit"
+                  (click)="editGl(i)"
+                  >{{ row.glAccountId == null ? 'GL not mapped' : glLabel(row) }}</span
+                >
+              </div>
+              <mifosx-gl-picker
+                *ngIf="glEditRow === i"
+                class="er__gl-select"
+                [options]="glOptions"
+                [value]="row.glAccountId ?? null"
+                [allowClear]="true"
+                [openOnInit]="true"
+                (valueChange)="row.glAccountId = $event"
+                (closed)="glEditRow = null"
+              ></mifosx-gl-picker>
+            </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)"
+              [class.er__cell--readonly]="!canEdit"
+              (click)="canEdit && !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 · +2.00% (very poor) to base (above 700) · 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()">{{ canEdit ? 'Cancel' : 'Back to list' }}</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" *ngIf="canEdit">
+      <button mat-stroked-button (click)="saveDraft()">Save draft</button>
+      <button
+        mat-flat-button
+        class="er__submit"
+        (click)="submitForApproval()"
+        [disabled]="!canSubmit"
+        [title]="canSubmit ? '' : 'Map a GL account for every product first'"
+      >
+        <i class="fas fa-check"></i> Submit for approval
+      </button>
+    </div>
+  </div>
+</div>

src/app/products/loan-interest-rate-register/edit-register/edit-register.component.scss

@@ -0,0 +1,496 @@
+/**
+ * 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;
+
+  &__active-strip {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 10px 18px;
+    background: #ecfdf5;
+    border: 1px solid #a7f3d0;
+    border-radius: 9px;
+    font-size: 12px;
+    color: #065f46;
+  }
+
+  &__active-dot {
+    color: #059669;
+    font-size: 14px;
+    line-height: 1;
+  }
+
+  &__active-label {
+    font-size: 10px;
+    letter-spacing: 0.5px;
+    font-weight: 700;
+    color: #065f46;
+  }
+
+  &__active-name {
+    font-weight: 600;
+    color: #064e3b;
+  }
+
+  &__active-sub {
+    color: #047857;
+  }
+
+  &__active-flag {
+    margin-left: auto;
+    font-size: 11px;
+    font-weight: 600;
+    color: #047857;
+    background: #d1fae5;
+    padding: 3px 10px;
+    border-radius: 999px;
+  }
+
+  &__active-link {
+    margin-left: auto;
+    font-size: 12px;
+    font-weight: 600;
+    color: #047857;
+    cursor: pointer;
+
+    &:hover {
+      text-decoration: underline;
+    }
+  }
+
+  &__gl {
+    margin: 3px 0 0 30px;
+  }
+
+  &__gl-tag {
+    display: inline-block;
+    font-size: 10px;
+    font-weight: 600;
+    color: #475569;
+    background: #f1f5f9;
+    border-radius: 999px;
+    padding: 1px 8px;
+    white-space: nowrap;
+
+    &--unmapped {
+      color: #92400e;
+      background: #fef3c7;
+    }
+
+    &--editable {
+      cursor: pointer;
+
+      &:hover {
+        outline: 1px solid #94a3b8;
+      }
+    }
+  }
+
+  &__gl-select {
+    display: block;
+    margin: 4px 0 0 30px;
+    max-width: 340px;
+  }
+
+  &__gl-warn {
+    color: #b45309;
+    font-weight: 600;
+  }
+
+  &__add-panel {
+    padding: 14px 18px;
+    border-bottom: 1px solid #f1f5f9;
+    background: #f8fafc;
+  }
+
+  &__add-title {
+    font-size: 13px;
+    font-weight: 600;
+    color: #0f172a;
+    margin-bottom: 10px;
+  }
+
+  &__add-fields {
+    display: flex;
+    align-items: flex-end;
+    gap: 12px;
+    flex-wrap: wrap;
+
+    .er__field {
+      min-width: 240px;
+    }
+
+    .er__field--gl {
+      min-width: 320px;
+    }
+  }
+
+  &__add-hint {
+    margin-top: 8px;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__add-error {
+    margin-top: 8px;
+    font-size: 12px;
+    color: #b91c1c;
+  }
+
+  &__readonly-banner {
+    display: flex;
+    align-items: center;
+    gap: 12px;
+    padding: 12px 18px;
+    background: #fef3c7;
+    border: 1px solid #fcd34d;
+    border-left: 4px solid #d97706;
+    border-radius: 9px;
+    color: #78350f;
+
+    i {
+      font-size: 16px;
+      color: #d97706;
+    }
+  }
+
+  &__readonly-title {
+    font-size: 13px;
+    font-weight: 700;
+    color: #78350f;
+  }
+
+  &__readonly-sub {
+    margin-top: 2px;
+    font-size: 12px;
+    color: #92400e;
+  }
+
+  &__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;
+    }
+
+    &--readonly {
+      cursor: default;
+
+      &:hover {
+        background: transparent;
+        outline: none;
+      }
+    }
+
+    &--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;
+    }
+  }
+}

src/app/products/loan-interest-rate-register/edit-register/edit-register.component.ts

@@ -0,0 +1,363 @@
+/**
+ * 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, OnDestroy, OnInit, ViewChild, inject } from '@angular/core';
+import { MatSnackBar } from '@angular/material/snack-bar';
+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 { GlOption, RateCell, RateChartRow, RateRegister, SlabColumn } from '../models/rate-register.model';
+import { GlPickerComponent } from '../gl-picker/gl-picker.component';
+
+/**
+ * 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,
+    GlPickerComponent
+  ]
+})
+export class EditRegisterComponent implements OnInit, OnDestroy {
+  private readonly snack = inject(MatSnackBar);
+
+  private readonly service = inject(RateRegisterService);
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+
+  register!: RateRegister;
+  active?: 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>;
+
+  /** Leaving the page keeps the draft: edits are saved so a reload or a trip to Compare does not lose them. */
+  ngOnDestroy(): void {
+    if (this.canEdit) {
+      this.service.saveDrafts();
+    }
+  }
+
+  saveDraft(): void {
+    this.service.saveDrafts();
+    this.snack.open('Draft saved', 'OK', { duration: 2000 });
+  }
+
+  /** Posting GL accounts for the particular → GL mapping. */
+  glOptions: GlOption[] = [];
+
+  /** "Add product" panel state. A new product needs a name and a GL before it can be added. */
+  addingProduct = false;
+  newProductName = '';
+  newProductGl: number | null = null;
+  addProductError = '';
+
+  /** Index of the row whose GL is being changed inline, or null. */
+  glEditRow: number | null = null;
+
+  ngOnInit(): void {
+    this.service.getGlOptions().subscribe((options) => (this.glOptions = options));
+    const idParam = this.route.snapshot.queryParamMap.get('id');
+    const id = idParam ? Number(idParam) : null;
+    this.service.list().subscribe((all) => {
+      const found = (id ? all.find((r) => r.id === id) : undefined) ?? this.service.getActiveOrFirstDraft();
+      if (!found) {
+        // e.g. a reload on an unsaved local draft: nothing to edit, go back to the list.
+        this.router.navigate(['/products/loan-interest-rate-register']);
+        return;
+      }
+      this.register = found;
+      this.active = this.service.getActive();
+      this.slabs = this.register.slabs;
+      this.rows = this.register.rows;
+    });
+  }
+
+  isActiveRegister(): boolean {
+    return !!this.active && this.active.id === this.register?.id;
+  }
+
+  /** Only a Draft can be edited. Pending Approval / Active / Expired open read-only. */
+  get canEdit(): boolean {
+    return this.register?.status === 'Draft';
+  }
+
+  /** Status label shown on the read-only banner. */
+  readOnlyReason(): string {
+    switch (this.register?.status) {
+      case 'Pending Approval':
+        return 'This version has been submitted and is awaiting checker approval. No further edits allowed.';
+      case 'Active':
+        return 'This is the current Active register. Click "Edit (new version)" on the list page to propose changes as a new Draft.';
+      case 'Expired':
+        return 'This is an inactive historical version. Read-only.';
+      default:
+        return 'Read-only.';
+    }
+  }
+
+  viewActive(): void {
+    if (this.active) {
+      this.router.navigate(['/products/loan-interest-rate-register/edit'], { queryParams: { id: this.active.id } });
+    }
+  }
+
+  /** 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 {
+    if (!this.canEdit) {
+      return;
+    }
+    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;
+  }
+
+  glLabel(row: RateChartRow): string | null {
+    return this.service.glLabel(row.glAccountId);
+  }
+
+  unmappedCount(): number {
+    return this.rows.filter((r) => r.glAccountId == null).length;
+  }
+
+  /** Submit is blocked until every product has a GL. */
+  get canSubmit(): boolean {
+    return this.unmappedCount() === 0;
+  }
+
+  /** Opens the Add product panel. */
+  addProduct(): void {
+    if (!this.canEdit) {
+      return;
+    }
+    this.addingSlab = false;
+    this.addingProduct = true;
+    this.newProductName = '';
+    this.newProductGl = null;
+    this.addProductError = '';
+  }
+
+  cancelAddProduct(): void {
+    this.addingProduct = false;
+    this.addProductError = '';
+  }
+
+  /** Append the new product row at the bottom of the grid. Name and GL are both mandatory. */
+  confirmAddProduct(): void {
+    const name = this.newProductName.trim();
+    if (!name) {
+      this.addProductError = 'Enter the product name.';
+      return;
+    }
+    if (this.rows.some((r) => r.particulars.trim().toLowerCase() === name.toLowerCase())) {
+      this.addProductError = 'A product with this name already exists.';
+      return;
+    }
+    if (this.newProductGl == null) {
+      this.addProductError = 'Select the GL account for this product.';
+      return;
+    }
+    const next = this.rows.length > 0 ? Math.max(...this.rows.map((r) => r.srNo)) + 1 : 1;
+    this.rows.push({
+      srNo: next,
+      particulars: name,
+      glAccountId: this.newProductGl,
+      rates: Array(this.slabs.length).fill(null),
+      isFormula: false
+    });
+    this.cancelAddProduct();
+  }
+
+  /** Toggle the inline GL selector on an existing row (Draft only). */
+  editGl(rowIdx: number): void {
+    if (this.canEdit) {
+      this.glEditRow = this.glEditRow === rowIdx ? null : rowIdx;
+    }
+  }
+
+  /** "Add slab" panel state. A slab is an amount band; at least a label or an upper limit is needed. */
+  addingSlab = false;
+  newSlabLabel = '';
+  newSlabAmount: number | null = null;
+  addSlabError = '';
+
+  /** Opens the Add slab panel. */
+  addSlab(): void {
+    if (!this.canEdit) {
+      return;
+    }
+    this.addingProduct = false;
+    this.addingSlab = true;
+    this.newSlabLabel = '';
+    this.newSlabAmount = null;
+    this.addSlabError = '';
+  }
+
+  cancelAddSlab(): void {
+    this.addingSlab = false;
+    this.addSlabError = '';
+  }
+
+  /** Label that is filled in for a slab when only the upper limit is given, e.g. "Upto 50,00,000". */
+  suggestedSlabLabel(): string {
+    const amount = this.newSlabAmount;
+    return amount != null && Number.isFinite(amount) && amount > 0 ? `Upto ${amount.toLocaleString('en-IN')}` : '';
+  }
+
+  /** Append the new amount slab as the last column; every existing row grows by one blank cell. */
+  confirmAddSlab(): void {
+    const amount = this.newSlabAmount;
+    const hasAmount = amount != null && String(amount) !== '';
+    if (hasAmount && (!Number.isFinite(amount) || (amount as number) <= 0)) {
+      this.addSlabError = 'The upper limit must be a number greater than 0.';
+      return;
+    }
+    const label = this.newSlabLabel.trim() || this.suggestedSlabLabel();
+    if (!label) {
+      this.addSlabError = 'Enter a label, or an upper limit to build one from.';
+      return;
+    }
+    if (this.slabs.some((s) => s.label.trim().toLowerCase() === label.toLowerCase())) {
+      this.addSlabError = 'A slab with this label already exists.';
+      return;
+    }
+    if (hasAmount && this.slabs.some((s) => s.amountUpto === amount)) {
+      this.addSlabError = 'A slab with this upper limit already exists.';
+      return;
+    }
+    if (!hasAmount && this.slabs.some((s) => s.amountUpto === null)) {
+      this.addSlabError = 'An open-ended slab (no upper limit) already exists.';
+      return;
+    }
+    this.slabs.push({
+      key: `s_${Date.now()}`,
+      label,
+      amountUpto: hasAmount ? (amount as number) : null
+    });
+    this.rows.forEach((r) => r.rates.push(null));
+    this.cancelAddSlab();
+  }
+
+  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']);
+  }
+
+  /** Opens the Compare screen; the actual submit happens from there once the maker has reviewed the diff. */
+  submitForApproval(): void {
+    this.router.navigate(['/products/loan-interest-rate-register/preview'], { queryParams: { id: this.register.id } });
+  }
+
+  statusChipClass(): string {
+    switch (this.register?.status) {
+      case 'Active':
+        return 'chip chip--active';
+      case 'Draft':
+        return 'chip chip--draft';
+      case 'Pending Approval':
+        return 'chip chip--pending';
+      default:
+        return 'chip chip--expired';
+    }
+  }
+}

src/app/products/loan-interest-rate-register/gl-picker/gl-picker.component.ts

@@ -0,0 +1,135 @@
+/**
+ * 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 {
+  AfterViewInit,
+  Component,
+  EventEmitter,
+  Input,
+  OnChanges,
+  OnDestroy,
+  OnInit,
+  Output,
+  SimpleChanges,
+  ViewChild
+} from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { ReactiveFormsModule, UntypedFormControl } from '@angular/forms';
+import { MatFormFieldModule } from '@angular/material/form-field';
+import { MatSelect, MatSelectModule } from '@angular/material/select';
+import { NgxMatSelectSearchModule } from 'ngx-mat-select-search';
+import { Subject, takeUntil } from 'rxjs';
+import { GlOption } from '../models/rate-register.model';
+
+/**
+ * Compact searchable GL account dropdown. Typing in the search box filters by GL code or name.
+ * Emits the chosen GL id; with allowClear a "GL not mapped" entry emits null.
+ */
+@Component({
+  selector: 'mifosx-gl-picker',
+  imports: [
+    CommonModule,
+    ReactiveFormsModule,
+    MatFormFieldModule,
+    MatSelectModule,
+    NgxMatSelectSearchModule
+  ],
+  template: `
+    <mat-form-field class="gl-picker" subscriptSizing="dynamic">
+      <mat-select
+        [value]="value"
+        [placeholder]="placeholder"
+        (selectionChange)="valueChange.emit($event.value)"
+        (openedChange)="onOpenedChange($event)"
+      >
+        <mat-option>
+          <ngx-mat-select-search
+            [formControl]="filterCtrl"
+            placeholderLabel="Search GL code or name"
+            noEntriesFoundLabel="No GL account found"
+          ></ngx-mat-select-search>
+        </mat-option>
+        <mat-option *ngIf="allowClear" [value]="null">GL not mapped</mat-option>
+        <mat-option *ngFor="let o of filtered" [value]="o.id">{{ o.label }}</mat-option>
+      </mat-select>
+    </mat-form-field>
+  `,
+  styles: [
+    `
+      .gl-picker {
+        width: 100%;
+        min-width: 260px;
+        font-size: 12px;
+      }
+    `
+  ]
+})
+export class GlPickerComponent implements OnInit, OnChanges, AfterViewInit, OnDestroy {
+  @Input() options: GlOption[] = [];
+  @Input() value: number | null = null;
+  @Input() placeholder = 'Select GL account';
+  @Input() allowClear = false;
+  /** Open the dropdown as soon as it is rendered (used for inline row editing). */
+  @Input() openOnInit = false;
+
+  @Output() valueChange = new EventEmitter<number | null>();
+  /** Fired when the dropdown panel closes, whether or not a value was picked. */
+  @Output() closed = new EventEmitter<void>();
+
+  @ViewChild(MatSelect) private select?: MatSelect;
+
+  filterCtrl = new UntypedFormControl('');
+  filtered: GlOption[] = [];
+
+  private readonly destroy$ = new Subject<void>();
+
+  ngOnInit(): void {
+    this.filterCtrl.valueChanges.pipe(takeUntil(this.destroy$)).subscribe(() => this.applyFilter());
+  }
+
+  ngOnChanges(changes: SimpleChanges): void {
+    if (changes['options'] || changes['value']) {
+      this.applyFilter();
+    }
+  }
+
+  ngAfterViewInit(): void {
+    if (this.openOnInit) {
+      setTimeout(() => this.select?.open());
+    }
+  }
+
+  ngOnDestroy(): void {
+    this.destroy$.next();
+    this.destroy$.complete();
+  }
+
+  onOpenedChange(opened: boolean): void {
+    if (opened) {
+      this.filterCtrl.setValue('');
+    } else {
+      this.closed.emit();
+    }
+  }
+
+  /** Filter by code or name; the currently selected option always stays in the list so its label shows. */
+  private applyFilter(): void {
+    const q = ((this.filterCtrl.value as string) ?? '').trim().toLowerCase();
+    const all = this.options ?? [];
+    if (!q) {
+      this.filtered = all.slice();
+      return;
+    }
+    const matches = all.filter((o) => o.label.toLowerCase().includes(q));
+    const selected = all.find((o) => o.id === this.value);
+    this.filtered = selected && !matches.includes(selected) ? [
+            selected,
+            ...matches
+          ] : matches;
+  }
+}

src/app/products/loan-interest-rate-register/loan-interest-rate-register.component.html

@@ -0,0 +1,183 @@
+<!--
+  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>
+        Manage the central CIBIL-based rate chart used across all loan products. Submitting a new version routes through
+        maker-checker — once approved, the current Active version is <strong>deactivated</strong> and the new one
+        <strong>activated</strong>.
+      </p>
+    </div>
+    <button mat-stroked-button class="lirr__excel-btn">
+      <i class="fas fa-exchange-alt"></i>
+      Excel
+    </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">+2.00% (poor) → base (above 700)</div>
+      </div>
+    </div>
+
+    <div class="lirr__history">
+      <div class="lirr__history-head">
+        <div>
+          <div class="lirr__history-title">Loan Interest Rate Register — Version History</div>
+          <div class="lirr__history-sub">All versions, newest first · click a version to expand its rate chart</div>
+        </div>
+      </div>
+
+      <div class="lirr__empty" *ngIf="registers.length === 0">
+        <div class="lirr__empty-icon"><i class="fas fa-folder-open"></i></div>
+        <div class="lirr__empty-title">No rate register versions yet</div>
+        <div class="lirr__empty-sub">
+          Create the first version to publish rates for all loan products. It starts with the standard loan types (rates
+          blank) and 5 CIBIL bands — fill in the rates, add any bank-specific products, and submit for approval.
+        </div>
+        <button mat-flat-button color="primary" class="lirr__empty-btn" (click)="createFirstVersion()">
+          <i class="fas fa-plus"></i> Create first version
+        </button>
+      </div>
+
+      <mat-accordion class="lirr__accordion" multi *ngIf="registers.length > 0">
+        <mat-expansion-panel
+          *ngFor="let r of registers"
+          class="lirr__panel"
+          [class.lirr__panel--active]="r.status === 'Active'"
+          [expanded]="r.status === 'Active'"
+        >
+          <mat-expansion-panel-header class="lirr__panel-header">
+            <mat-panel-title class="lirr__panel-title">
+              <span class="lirr__panel-name">{{ r.name || '(Untitled draft)' }}</span>
+              <span [class]="statusChipClass(r.status)">{{ statusLabel(r.status) }}</span>
+            </mat-panel-title>
+            <mat-panel-description class="lirr__panel-desc">
+              <span class="lirr__panel-range">{{ effectiveRange(r) }}</span>
+              <span class="lirr__panel-actions">
+                <ng-container [ngSwitch]="r.status">
+                  <ng-container *ngSwitchCase="'Pending Approval'">
+                    <button
+                      mat-stroked-button
+                      class="lirr__row-btn lirr__row-btn--neutral"
+                      (click)="openCompare(r, $event)"
+                    >
+                      Compare
+                    </button>
+                    <span class="lirr__row-note">Awaiting checker · action from Approvals tab</span>
+                  </ng-container>
+                  <ng-container *ngSwitchCase="'Draft'">
+                    <button
+                      mat-stroked-button
+                      class="lirr__row-btn lirr__row-btn--neutral"
+                      (click)="openEditor(r, $event)"
+                    >
+                      Edit · Submit
+                    </button>
+                  </ng-container>
+                  <ng-container *ngSwitchCase="'Active'">
+                    <button
+                      mat-stroked-button
+                      class="lirr__row-btn lirr__row-btn--neutral"
+                      (click)="editAsNewVersion(r, $event)"
+                    >
+                      Edit (new version)
+                    </button>
+                  </ng-container>
+                  <ng-container *ngSwitchDefault>
+                    <button
+                      mat-stroked-button
+                      class="lirr__row-btn lirr__row-btn--neutral"
+                      (click)="openEditor(r, $event)"
+                    >
+                      View
+                    </button>
+                  </ng-container>
+                </ng-container>
+              </span>
+            </mat-panel-description>
+          </mat-expansion-panel-header>
+
+          <div class="lirr__panel-body">
+            <div class="lirr__panel-meta" *ngIf="r.note">{{ r.note }}</div>
+            <div class="lirr__panel-meta">
+              Created by {{ r.createdBy }} · Last modified {{ r.lastModified | date: 'dd MMM yyyy' }}
+            </div>
+
+            <h4 class="lirr__panel-section">Rate chart ({{ r.rows.length }} products × {{ r.slabs.length }} slabs)</h4>
+            <div class="lirr__panel-scroll">
+              <table class="lirr__panel-grid">
+                <thead>
+                  <tr>
+                    <th class="lirr__panel-grid-first">Particulars</th>
+                    <th *ngFor="let s of r.slabs" class="lirr__panel-grid-num">{{ s.label }}</th>
+                  </tr>
+                </thead>
+                <tbody>
+                  <tr *ngFor="let row of r.rows">
+                    <td class="lirr__panel-grid-first">
+                      <span class="lirr__panel-grid-srno">{{ row.srNo }}</span
+                      >{{ row.particulars }}
+                      <span class="lirr__gl-tag" [class.lirr__gl-tag--unmapped]="row.glAccountId == null">{{
+                        row.glAccountId == null ? 'GL not mapped' : glLabel(row.glAccountId)
+                      }}</span>
+                    </td>
+                    <td *ngFor="let cell of row.rates" class="lirr__panel-grid-num">{{ display(cell) }}</td>
+                  </tr>
+                </tbody>
+              </table>
+            </div>
+
+            <h4 class="lirr__panel-section">CIBIL / credit-score slabs</h4>
+            <table class="lirr__panel-cibil">
+              <thead>
+                <tr>
+                  <th>#</th>
+                  <th>Score from</th>
+                  <th>Score to</th>
+                  <th>Risk tier</th>
+                  <th>Type</th>
+                  <th>Adjustment</th>
+                </tr>
+              </thead>
+              <tbody>
+                <tr *ngFor="let slab of r.cibilSlabs; let i = index">
+                  <td>{{ i + 1 }}</td>
+                  <td>{{ slab.from }}</td>
+                  <td>{{ slab.to }}</td>
+                  <td>{{ slab.tier }}</td>
+                  <td>{{ slab.type }}</td>
+                  <td>{{ formatPct(slab.adjustmentPct) }}</td>
+                </tr>
+              </tbody>
+            </table>
+          </div>
+        </mat-expansion-panel>
+      </mat-accordion>
+
+      <div class="lirr__history-foot">Showing {{ registers.length }} versions</div>
+    </div>
+  </div>
+</div>

src/app/products/loan-interest-rate-register/loan-interest-rate-register.component.scss

@@ -0,0 +1,524 @@
+/**
+ * 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;
+    white-space: nowrap;
+  }
+
+  &__row-btn {
+    height: 28px;
+    font-size: 11px;
+    font-weight: 600;
+    padding: 0 10px;
+    margin-left: 6px;
+    border-radius: 6px;
+
+    &--neutral {
+      color: #334155;
+      border-color: #cbd5e1;
+      background: white;
+
+      &:hover {
+        background: #f8fafc;
+      }
+    }
+
+    &--approve {
+      color: #065f46;
+      border-color: #a7f3d0;
+      background: #ecfdf5;
+
+      &:hover {
+        background: #d1fae5;
+      }
+    }
+
+    &--reject {
+      color: #991b1b;
+      border-color: #fecaca;
+      background: #fef2f2;
+
+      &:hover {
+        background: #fee2e2;
+      }
+    }
+  }
+
+  &__row-note {
+    font-size: 11px;
+    color: #64748b;
+    font-style: italic;
+    margin-left: 10px;
+  }
+
+  &__table-foot {
+    padding: 10px 20px;
+    border-top: 1px solid #f1f5f9;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  /* ---- Version History accordion (CBS BIR style) ------------------------ */
+
+  &__history {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+    overflow: hidden;
+  }
+
+  &__history-head {
+    padding: 16px 20px;
+    border-bottom: 1px solid #f1f5f9;
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 12px;
+  }
+
+  &__history-title {
+    font-size: 15px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__history-sub {
+    margin-top: 2px;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__accordion {
+    display: block;
+    padding: 8px 12px 16px;
+  }
+
+  &__panel {
+    border: 1px solid #e2e8f0 !important;
+    border-radius: 10px !important;
+    margin-bottom: 10px;
+    box-shadow: none !important;
+    overflow: hidden;
+
+    &.mat-expanded {
+      border-color: #cbd5e1 !important;
+    }
+
+    &--active {
+      border-left: 3px solid #10b981 !important;
+    }
+  }
+
+  &__panel-header {
+    padding: 0 20px !important;
+    height: 56px;
+  }
+
+  &__panel-title {
+    display: flex !important;
+    align-items: center !important;
+    gap: 12px !important;
+    flex: 0 0 auto !important;
+    margin-right: 24px !important;
+  }
+
+  &__panel-name {
+    font-size: 14px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__panel-desc {
+    display: flex !important;
+    align-items: center !important;
+    justify-content: space-between !important;
+    gap: 12px;
+    flex: 1 1 auto !important;
+    color: #475569 !important;
+  }
+
+  &__panel-range {
+    font-size: 12px;
+    color: #475569;
+    font-variant-numeric: tabular-nums;
+  }
+
+  &__panel-actions {
+    display: inline-flex;
+    gap: 6px;
+    align-items: center;
+  }
+
+  &__panel-body {
+    padding: 8px 20px 20px;
+    font-size: 12px;
+    color: #334155;
+    display: flex;
+    flex-direction: column;
+    gap: 10px;
+  }
+
+  &__panel-meta {
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__panel-section {
+    margin: 10px 0 4px;
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.5px;
+    color: #64748b;
+    font-weight: 700;
+  }
+
+  &__panel-scroll {
+    overflow: auto;
+    max-height: 360px;
+    border: 1px solid #f1f5f9;
+    border-radius: 8px;
+  }
+
+  &__panel-grid {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 12px;
+
+    thead th {
+      position: sticky;
+      top: 0;
+      background: #f8fafc;
+      color: #64748b;
+      font-size: 10px;
+      text-transform: uppercase;
+      letter-spacing: 0.3px;
+      font-weight: 600;
+      padding: 8px 10px;
+      border-bottom: 1px solid #e2e8f0;
+      white-space: nowrap;
+    }
+
+    tbody td {
+      padding: 7px 10px;
+      border-bottom: 1px solid #f1f5f9;
+    }
+  }
+
+  &__panel-grid-first {
+    text-align: left;
+    max-width: 240px;
+    overflow: hidden;
+    text-overflow: ellipsis;
+    white-space: nowrap;
+    font-weight: 500;
+  }
+
+  &__panel-grid-num {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+  }
+
+  &__panel-grid-srno {
+    display: inline-block;
+    min-width: 22px;
+    color: #94a3b8;
+    font-weight: 600;
+    margin-right: 6px;
+  }
+
+  &__panel-cibil {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 12px;
+    border: 1px solid #f1f5f9;
+    border-radius: 8px;
+    overflow: hidden;
+
+    thead th {
+      background: #f8fafc;
+      color: #64748b;
+      font-size: 10px;
+      text-transform: uppercase;
+      letter-spacing: 0.3px;
+      font-weight: 600;
+      padding: 8px 12px;
+      text-align: left;
+      border-bottom: 1px solid #e2e8f0;
+    }
+
+    tbody td {
+      padding: 8px 12px;
+      border-bottom: 1px solid #f1f5f9;
+    }
+  }
+
+  &__gl-tag {
+    display: inline-block;
+    margin-left: 8px;
+    font-size: 10px;
+    font-weight: 600;
+    color: #475569;
+    background: #f1f5f9;
+    border-radius: 999px;
+    padding: 1px 8px;
+
+    &--unmapped {
+      color: #92400e;
+      background: #fef3c7;
+    }
+  }
+
+  &__history-foot {
+    padding: 10px 20px;
+    border-top: 1px solid #f1f5f9;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__empty {
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    gap: 12px;
+    padding: 56px 24px 48px;
+    text-align: center;
+  }
+
+  &__empty-icon {
+    width: 56px;
+    height: 56px;
+    border-radius: 50%;
+    background: #ede9fe;
+    color: #6d28d9;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 22px;
+    margin-bottom: 4px;
+  }
+
+  &__empty-title {
+    font-size: 16px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__empty-sub {
+    font-size: 13px;
+    color: #64748b;
+    max-width: 560px;
+    line-height: 1.5;
+  }
+
+  &__empty-btn {
+    margin-top: 8px;
+
+    i {
+      margin-right: 6px;
+    }
+  }
+}
+
+.chip {
+  padding: 3px 10px;
+  border-radius: 10px;
+  font-size: 11px;
+  font-weight: 600;
+
+  &--active {
+    background: #dcfce7;
+    color: #166534;
+  }
+
+  &--draft {
+    background: #fef3c7;
+    color: #92400e;
+  }
+
+  &--pending {
+    background: #ede9fe;
+    color: #5b21b6;
+  }
+
+  &--expired {
+    background: #f1f5f9;
+    color: #475569;
+  }
+
+  &--scheduled {
+    background: #e0e7ff;
+    color: #3730a3;
+  }
+}

src/app/products/loan-interest-rate-register/loan-interest-rate-register.component.ts

@@ -0,0 +1,197 @@
+/**
+ * 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 { MatSnackBar } from '@angular/material/snack-bar';
+import { MatExpansionModule } from '@angular/material/expansion';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RateRegisterService } from './rate-register.service';
+import { CibilSlab, RateCell, RateChartRow, RateRegister, SlabColumn } 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,
+    MatExpansionModule
+  ]
+})
+export class LoanInterestRateRegisterComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+  private readonly router = inject(Router);
+  private readonly snack = inject(MatSnackBar);
+
+  registers: RateRegister[] = [];
+  active?: RateRegister;
+
+  ngOnInit(): void {
+    // Load the GL list once so mapped particulars show a readable label instead of "GL #id".
+    this.service.getGlOptions().subscribe();
+    this.reload();
+  }
+
+  glLabel(id: number | null | undefined): string | null {
+    return this.service.glLabel(id);
+  }
+
+  private reload(): 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 } });
+  }
+
+  preview(register: RateRegister): void {
+    this.router.navigate(['/products/loan-interest-rate-register/preview'], { queryParams: { id: register.id } });
+  }
+
+  /** Route by status: Pending → Compare screen (checker view); otherwise the editor. */
+  openRow(register: RateRegister): void {
+    if (register.status === 'Pending Approval') {
+      this.preview(register);
+    } else {
+      this.edit(register);
+    }
+  }
+
+  /** Checker approves the pending register. The previously-Active one is deactivated. */
+  approve(register: RateRegister, event: Event): void {
+    event.stopPropagation();
+    this.service.approve(register.id).subscribe((updated) => {
+      if (updated) {
+        this.snack.open(`${updated.name} activated`, 'OK', { duration: 3000 });
+        this.reload();
+      }
+    });
+  }
+
+  /** Checker rejects the pending register — it goes back to Draft. */
+  reject(register: RateRegister, event: Event): void {
+    event.stopPropagation();
+    this.service.reject(register.id).subscribe((updated) => {
+      if (updated) {
+        this.snack.open(`${updated.name} sent back to Draft`, 'OK', { duration: 3000 });
+        this.reload();
+      }
+    });
+  }
+
+  statusChipClass(status: RateRegister['status']): string {
+    switch (status) {
+      case 'Active':
+        return 'chip chip--active';
+      case 'Draft':
+        return 'chip chip--draft';
+      case 'Pending Approval':
+        return 'chip chip--pending';
+      case 'Expired':
+        return 'chip chip--expired';
+      default:
+        return 'chip chip--scheduled';
+    }
+  }
+
+  statusLabel(status: RateRegister['status']): string {
+    switch (status) {
+      case 'Active':
+        return '● Active';
+      case 'Pending Approval':
+        return '⏳ Pending Approval';
+      default:
+        return status;
+    }
+  }
+
+  activeWindow(): string {
+    if (!this.active) {
+      return '—';
+    }
+    return `${this.formatShort(this.active.effectiveFrom)} → ${this.formatShort(this.active.effectiveTo)}`;
+  }
+
+  /** Panel header subtitle — effective date range, with "Current" for the active one. */
+  effectiveRange(r: RateRegister): string {
+    const from = this.formatShort(r.effectiveFrom);
+    const to = r.status === 'Active' ? 'Current' : this.formatShort(r.effectiveTo);
+    return `From ${from}   To ${to}`;
+  }
+
+  /** Compact display of a rate cell (for the read-only expanded view). */
+  display(cell: RateCell): string {
+    if (cell === null) {
+      return 'N.A.';
+    }
+    if (typeof cell === 'string') {
+      return cell;
+    }
+    return cell.toFixed(2);
+  }
+
+  formatPct(pct: number): string {
+    if (pct === 0) {
+      return '0.00%';
+    }
+    const sign = pct > 0 ? '+' : '−';
+    return `${sign}${Math.abs(pct).toFixed(2)}%`;
+  }
+
+  /** Open this register's full editor (grid) — stops the row click from toggling the panel. */
+  openEditor(r: RateRegister, event: Event): void {
+    event.stopPropagation();
+    this.edit(r);
+  }
+
+  /**
+   * "Edit (new version)" on Active: duplicate the Active register as a new Draft first, then
+   * open the Draft in the editor. The live Active is never mutated this way.
+   */
+  editAsNewVersion(r: RateRegister, event: Event): void {
+    event.stopPropagation();
+    const draft = this.service.duplicateAsDraft(r.id);
+    if (draft) {
+      this.snack.open('New draft created from Active — editing the copy', 'OK', { duration: 2500 });
+      this.reload();
+      this.edit(draft);
+    }
+  }
+
+  /** Scaffold the very first version — used only when the register has no versions at all. */
+  createFirstVersion(): void {
+    this.service.createFirstVersion().subscribe((draft) => {
+      this.snack.open('Draft created — fill in rates and submit for approval', 'OK', { duration: 3000 });
+      this.reload();
+      this.edit(draft);
+    });
+  }
+
+  /** Open the Compare screen for a pending register (checker view). */
+  openCompare(r: RateRegister, event: Event): void {
+    event.stopPropagation();
+    this.preview(r);
+  }
+
+  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' });
+  }
+}

src/app/products/loan-interest-rate-register/models/rate-register.model.ts

@@ -0,0 +1,63 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+export type RegisterStatus = 'Active' | 'Draft' | 'Pending Approval' | '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;
+  /** GL account this particular is mapped to. null/undefined = "GL not mapped". */
+  glAccountId?: number | null;
+  rates: RateCell[];
+}
+
+/** One selectable GL account for the particular-to-GL mapping. */
+export interface GlOption {
+  id: number;
+  label: string;
+}
+
+export type RiskTier = 'V. Poor' | 'Poor' | 'Fair' | '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[];
+  /** Immutable snapshot of the last-approved state. Compare screen diffs against this. */
+  baselineRows: RateChartRow[];
+  baselineCibilSlabs: CibilSlab[];
+  fallbackNoCibilSlab: number;
+  fallbackBelowMin: 'use-min-slab' | 'block';
+}

src/app/products/loan-interest-rate-register/preview-register/preview-register.component.html

@@ -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="pr" *ngIf="draft">
+  <div class="pr__header">
+    <div class="pr__header-icon">⇄</div>
+    <div class="pr__header-text">
+      <h2>Compare changes</h2>
+      <p>Review the diff before submitting · each changed cell shows OLD → NEW with yellow highlight</p>
+    </div>
+    <button mat-stroked-button (click)="backToEdit()">← Back to edit</button>
+  </div>
+
+  <div class="pr__summary">
+    <div class="pr__summary-item">
+      <div class="pr__summary-label">Draft</div>
+      <div class="pr__summary-value">{{ draft.name }}</div>
+    </div>
+    <div class="pr__summary-item">
+      <div class="pr__summary-label">Rate cells changed</div>
+      <div class="pr__summary-value pr__summary-value--count">{{ changedCellCount() }}</div>
+    </div>
+    <div class="pr__summary-item">
+      <div class="pr__summary-label">CIBIL slabs changed</div>
+      <div class="pr__summary-value pr__summary-value--count">{{ changedCibilCount() }}</div>
+    </div>
+  </div>
+
+  <!-- Side-by-side baseline/draft context strip -->
+  <div class="pr__version-strip">
+    <div class="pr__version pr__version--old">
+      <div class="pr__version-pill pr__version-pill--old">OLD · WILL BE DEACTIVATED</div>
+      <div class="pr__version-name">{{ active?.name ?? 'No active register' }}</div>
+      <div class="pr__version-sub" *ngIf="active">
+        Effective {{ active.effectiveFrom }} → {{ active.effectiveTo || '—' }}
+      </div>
+    </div>
+    <div class="pr__version-arrow">→</div>
+    <div class="pr__version pr__version--new">
+      <div class="pr__version-pill pr__version-pill--new">NEW · WILL BE ACTIVATED</div>
+      <div class="pr__version-name">{{ draft.name }}</div>
+      <div class="pr__version-sub">Effective {{ draft.effectiveFrom }} → {{ draft.effectiveTo || '—' }}</div>
+    </div>
+  </div>
+
+  <mifosx-rate-register-diff
+    [slabs]="slabs"
+    [draftRows]="draftRows"
+    [baselineRows]="baselineRows"
+    [draftCibil]="draftCibil"
+    [baselineCibil]="baselineCibil"
+  ></mifosx-rate-register-diff>
+
+  <div class="pr__footer">
+    <button mat-stroked-button (click)="backToEdit()">{{ canSubmit ? 'Cancel' : 'Back' }}</button>
+    <div class="pr__footer-note" *ngIf="canSubmit">
+      Submission will create a maker-checker request · the register becomes effective only after a checker approves it.
+    </div>
+    <div class="pr__footer-note" *ngIf="canSubmit && unmappedCount() > 0">
+      {{ unmappedCount() }} product(s) have no GL account. Go back to edit and map a GL for every product before
+      submitting.
+    </div>
+    <div class="pr__footer-note" *ngIf="!canSubmit">
+      Review-only — this version has already been submitted ({{ draft.status }}).
+    </div>
+    <button
+      *ngIf="canSubmit"
+      mat-flat-button
+      color="primary"
+      class="pr__submit"
+      (click)="submit()"
+      [disabled]="submitting || unmappedCount() > 0 || changedCellCount() + changedCibilCount() === 0"
+    >
+      <i class="fas fa-paper-plane"></i>
+      {{ submitting ? 'Submitting…' : 'Submit for approval' }}
+    </button>
+  </div>
+</div>

src/app/products/loan-interest-rate-register/preview-register/preview-register.component.scss

@@ -0,0 +1,185 @@
+/**
+ * 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/.
+ */
+
+.pr {
+  background: #f8fafc;
+  min-height: calc(100vh - 160px);
+  padding: 24px 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: 12px;
+  }
+
+  &__header-icon {
+    width: 42px;
+    height: 42px;
+    border-radius: 10px;
+    background: #ede9fe;
+    color: #6d28d9;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 18px;
+    font-weight: 700;
+  }
+
+  &__header-text {
+    flex: 1;
+
+    h2 {
+      margin: 0;
+      font-size: 20px;
+      font-weight: 600;
+      color: #0f172a;
+    }
+
+    p {
+      margin: 3px 0 0;
+      font-size: 12px;
+      color: #64748b;
+    }
+  }
+
+  &__summary {
+    display: grid;
+    grid-template-columns: 2fr 1fr 1fr;
+    gap: 12px;
+    padding: 14px 20px;
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+  }
+
+  &__summary-item {
+    display: flex;
+    flex-direction: column;
+    gap: 4px;
+  }
+
+  &__summary-label {
+    font-size: 10px;
+    text-transform: uppercase;
+    letter-spacing: 0.4px;
+    color: #64748b;
+    font-weight: 600;
+  }
+
+  &__summary-value {
+    font-size: 14px;
+    font-weight: 600;
+    color: #0f172a;
+
+    &--count {
+      font-size: 20px;
+      font-weight: 700;
+      color: #6d28d9;
+    }
+  }
+
+  // ---- OLD → NEW version strip ------------------------------------------
+
+  &__version-strip {
+    display: grid;
+    grid-template-columns: 1fr auto 1fr;
+    gap: 16px;
+    align-items: stretch;
+    padding: 14px 20px;
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+  }
+
+  &__version {
+    display: flex;
+    flex-direction: column;
+    gap: 6px;
+    padding: 10px 14px;
+    border-radius: 8px;
+
+    &--old {
+      background: #fef2f2;
+      border-left: 3px solid #dc2626;
+    }
+
+    &--new {
+      background: #f0fdf4;
+      border-left: 3px solid #059669;
+    }
+  }
+
+  &__version-pill {
+    display: inline-block;
+    width: fit-content;
+    font-size: 10px;
+    font-weight: 700;
+    letter-spacing: 0.5px;
+    padding: 3px 10px;
+    border-radius: 999px;
+
+    &--old {
+      background: #fee2e2;
+      color: #991b1b;
+    }
+
+    &--new {
+      background: #d1fae5;
+      color: #065f46;
+    }
+  }
+
+  &__version-name {
+    font-size: 13px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__version-sub {
+    font-size: 11px;
+    color: #64748b;
+  }
+
+  &__version-arrow {
+    align-self: center;
+    font-size: 24px;
+    color: #94a3b8;
+    font-weight: 700;
+  }
+
+  // ---- Footer -----------------------------------------------------------
+
+  &__footer {
+    display: flex;
+    align-items: center;
+    gap: 12px;
+    padding: 14px 20px;
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+  }
+
+  &__footer-note {
+    flex: 1;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__submit {
+    i {
+      margin-right: 6px;
+    }
+  }
+}

src/app/products/loan-interest-rate-register/preview-register/preview-register.component.ts

@@ -0,0 +1,161 @@
+/**
+ * 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 { MatButtonModule } from '@angular/material/button';
+import { MatSnackBar } from '@angular/material/snack-bar';
+import { MatDialog } from '@angular/material/dialog';
+import {
+  SubmitDetailsData,
+  SubmitDetailsDialogComponent,
+  SubmitDetailsResult
+} from '../submit-details-dialog/submit-details-dialog.component';
+import { RateRegisterService } from '../rate-register.service';
+import { CibilSlab, RateChartRow, RateRegister, SlabColumn } from '../models/rate-register.model';
+import { RateRegisterDiffComponent } from '../rate-register-diff/rate-register-diff.component';
+import { countChangedCells, countChangedCibil } from '../rate-register-diff.util';
+
+/**
+ * Inline-diff Compare screen for a Loan Interest Rate Register draft.
+ *
+ * Shows a single consolidated matrix where every cell renders either its unchanged value or an
+ * "OLD → NEW" diff with highlight. A "Show only changed rows" toggle filters out rows with no
+ * changes so the reviewer can focus on what moved.
+ *
+ * Submit calls the mock backend; a `rollbackTransaction:true` response means the row has landed
+ * in the checker inbox and effective activation waits for approval.
+ */
+@Component({
+  selector: 'mifosx-preview-register',
+  templateUrl: './preview-register.component.html',
+  styleUrls: ['./preview-register.component.scss'],
+  imports: [
+    CommonModule,
+    MatButtonModule,
+    RateRegisterDiffComponent
+  ]
+})
+export class PreviewRegisterComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+  private readonly route = inject(ActivatedRoute);
+  private readonly router = inject(Router);
+  private readonly snack = inject(MatSnackBar);
+  private readonly dialog = inject(MatDialog);
+
+  draft!: RateRegister;
+  active?: RateRegister;
+
+  slabs: SlabColumn[] = [];
+  draftRows: RateChartRow[] = [];
+  baselineRows: RateChartRow[] = [];
+  draftCibil: CibilSlab[] = [];
+  baselineCibil: CibilSlab[] = [];
+
+  submitting = false;
+
+  /** Submit button is live only for a Draft. A Pending Approval or Active register is review-only here. */
+  get canSubmit(): boolean {
+    return this.draft?.status === 'Draft';
+  }
+
+  /** Products still without a GL; the backend rejects the save while any remain. */
+  unmappedCount(): number {
+    return this.draftRows.filter((r) => r.glAccountId == null).length;
+  }
+
+  ngOnInit(): void {
+    const idParam = this.route.snapshot.queryParamMap.get('id');
+    const id = idParam ? Number(idParam) : null;
+    this.service.list().subscribe((all) => {
+      const found = (id ? all.find((r) => r.id === id) : undefined) ?? this.service.getActiveOrFirstDraft();
+      if (!found) {
+        this.router.navigate(['/products/loan-interest-rate-register']);
+        return;
+      }
+      this.draft = found;
+      this.active = this.service.getActive();
+      this.slabs = this.draft.slabs;
+      this.draftRows = this.draft.rows;
+      this.draftCibil = this.draft.cibilSlabs;
+      // Compare always diffs against a frozen baseline — the currently-Active register's
+      // last-approved snapshot, OR the draft's own baseline when editing Active in place.
+      const base = this.draft.id === this.active?.id ? this.draft : (this.active ?? this.draft);
+      this.baselineRows = base.baselineRows;
+      this.baselineCibil = base.baselineCibilSlabs;
+    });
+  }
+
+  changedCellCount(): number {
+    return countChangedCells(this.draftRows, this.baselineRows, this.slabs.length);
+  }
+
+  changedCibilCount(): number {
+    return countChangedCibil(this.draftCibil, this.baselineCibil);
+  }
+
+  /** Opens the mock backend call. `rollbackTransaction:true` → row sits in checker inbox. */
+  submit(): void {
+    if (this.submitting) {
+      return;
+    }
+    const ref = this.dialog.open<SubmitDetailsDialogComponent, SubmitDetailsData, SubmitDetailsResult>(
+      SubmitDetailsDialogComponent,
+      {
+        width: '520px',
+        maxWidth: '95vw',
+        data: {
+          name: this.draft.name,
+          effectiveFrom: this.draft.effectiveFrom,
+          effectiveTo: this.draft.effectiveTo ?? '',
+          activeName: this.active && this.active.id !== this.draft.id ? this.active.name : undefined,
+          activeFrom: this.active && this.active.id !== this.draft.id ? this.active.effectiveFrom : undefined
+        }
+      }
+    );
+    ref.afterClosed().subscribe((details) => {
+      if (!details) {
+        return;
+      }
+      this.draft.name = details.name;
+      this.draft.effectiveFrom = details.effectiveFrom;
+      this.draft.effectiveTo = details.effectiveTo || null;
+      this.service.saveDrafts();
+      this.send();
+    });
+  }
+
+  private send(): void {
+    this.submitting = true;
+    this.service.submitForApproval(this.draft.id).subscribe({
+      next: (res) => {
+        this.submitting = false;
+        const msg = res.rollbackTransaction ? 'Submitted — awaiting checker approval' : 'Changes activated';
+        this.snack.open(msg, 'OK', { duration: 3500 });
+        this.router.navigate(['/products/loan-interest-rate-register']);
+      },
+      error: (err) => {
+        // Belt-and-braces guard — the service already catches, but if anything slips through
+        // we still unlock the UI so the user can retry instead of staring at a spinner forever.
+        this.submitting = false;
+        console.error('[PreviewRegister] submit failed', err);
+        const reason =
+          err?.error?.errors?.[0]?.defaultUserMessage ||
+          err?.error?.defaultUserMessage ||
+          err?.error?.message ||
+          'check backend status and try again';
+        this.snack.open(`Submit failed — ${reason}`, 'Dismiss', { duration: 8000 });
+      }
+    });
+  }
+
+  backToEdit(): void {
+    this.router.navigate(['/products/loan-interest-rate-register/edit'], { queryParams: { id: this.draft.id } });
+  }
+}

src/app/products/loan-interest-rate-register/rate-register-diff.util.ts

@@ -0,0 +1,48 @@
+/**
+ * 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 { CibilSlab, RateCell, RateChartRow } from './models/rate-register.model';
+
+/** Two chart cells are the same when both are N.A., both the same formula, or numerically equal. */
+export function sameCell(a: RateCell, b: RateCell): boolean {
+  if (a === null && b === null) {
+    return true;
+  }
+  if (typeof a === 'number' && typeof b === 'number') {
+    return Math.abs(a - b) < 1e-9;
+  }
+  return a === b;
+}
+
+/** Number of {product, amount-slab} cells whose value differs between the draft and the baseline. */
+export function countChangedCells(draft: RateChartRow[], baseline: RateChartRow[], slabCount: number): number {
+  let n = 0;
+  for (const row of draft) {
+    const base = baseline.find((r) => r.srNo === row.srNo);
+    for (let j = 0; j < slabCount; j++) {
+      if (!sameCell(base?.rates[j] ?? null, row.rates[j] ?? null)) {
+        n++;
+      }
+    }
+  }
+  return n;
+}
+
+/** Number of CIBIL bands that differ (by position) between the draft and the baseline. */
+export function countChangedCibil(draft: CibilSlab[], baseline: CibilSlab[]): number {
+  let n = 0;
+  const max = Math.max(draft.length, baseline.length);
+  for (let i = 0; i < max; i++) {
+    const a = baseline[i];
+    const d = draft[i];
+    if (!a || !d || a.from !== d.from || a.to !== d.to || a.tier !== d.tier || a.adjustmentPct !== d.adjustmentPct) {
+      n++;
+    }
+  }
+  return n;
+}

src/app/products/loan-interest-rate-register/rate-register-diff/rate-register-diff.component.html

@@ -0,0 +1,118 @@
+<!--
+  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/.
+-->
+
+<!-- Consolidated inline-diff rate chart -->
+<div class="rd__card">
+  <div class="rd__card-head">
+    <div>
+      <div class="rd__card-title">Rate chart — inline diff</div>
+      <div class="rd__card-sub">Changed cells highlighted · unchanged cells show single value</div>
+    </div>
+    <mat-slide-toggle *ngIf="changedCellCount() > 0" [(ngModel)]="showOnlyChanged" class="rd__toggle">
+      Show only changed rows
+    </mat-slide-toggle>
+  </div>
+
+  <div class="rd__empty" *ngIf="changedCellCount() === 0 && changedCibilCount() === 0">
+    <i class="fas fa-equals"></i>
+    <div class="rd__empty-title">No changes detected</div>
+    <div class="rd__empty-sub">The proposed version is identical to the current Active register.</div>
+  </div>
+
+  <div class="rd__scroll" *ngIf="changedCellCount() > 0">
+    <table class="rd__grid">
+      <thead>
+        <tr>
+          <th class="rd__col-particulars">Particulars</th>
+          <th *ngFor="let s of slabs" class="rd__col-rate">{{ s.label }}</th>
+        </tr>
+      </thead>
+      <tbody>
+        <tr *ngFor="let row of visibleRows" [class.rd__row--changed]="rowHasChanges(row.srNo)">
+          <td class="rd__col-particulars">
+            <span class="rd__srno">{{ row.srNo }}</span
+            >{{ row.particulars }}
+            <div>
+              <span class="rd__gl-tag" [class.rd__gl-tag--unmapped]="row.glAccountId == null">{{ glText(row) }}</span>
+            </div>
+          </td>
+          <td
+            *ngFor="let _ of slabs; let j = index"
+            class="rd__col-rate"
+            [class.rd__cell-changed]="cellChanged(row.srNo, j)"
+          >
+            <ng-container *ngIf="cellChanged(row.srNo, j); else sameCell">
+              <span class="rd__old">{{ display(baselineCell(row.srNo, j)) }}</span>
+              <span class="rd__arrow">→</span>
+              <span class="rd__new">{{ display(draftCell(row.srNo, j)) }}</span>
+            </ng-container>
+            <ng-template #sameCell>{{ display(draftCell(row.srNo, j)) }}</ng-template>
+          </td>
+        </tr>
+      </tbody>
+    </table>
+  </div>
+</div>
+
+<!-- CIBIL slabs inline-diff -->
+<div class="rd__card" *ngIf="changedCibilCount() > 0">
+  <div class="rd__card-head">
+    <div>
+      <div class="rd__card-title">CIBIL slabs — inline diff</div>
+      <div class="rd__card-sub">Changed fields shown as OLD → NEW · unchanged fields render once</div>
+    </div>
+  </div>
+  <table class="rd__cibil">
+    <thead>
+      <tr>
+        <th>#</th>
+        <th>Score from</th>
+        <th>Score to</th>
+        <th>Tier</th>
+        <th>Adjustment</th>
+      </tr>
+    </thead>
+    <tbody>
+      <tr *ngFor="let slab of draftCibil; let i = index" [class.rd__row--changed]="cibilChanged(i)">
+        <td>{{ i + 1 }}</td>
+        <td [class.rd__cell-changed]="cibilFieldChanged(i, 'from')">
+          <ng-container *ngIf="cibilFieldChanged(i, 'from'); else sameFrom">
+            <span class="rd__old">{{ baselineCibil[i]?.from ?? '—' }}</span>
+            <span class="rd__arrow">→</span>
+            <span class="rd__new">{{ slab.from }}</span>
+          </ng-container>
+          <ng-template #sameFrom>{{ slab.from }}</ng-template>
+        </td>
+        <td [class.rd__cell-changed]="cibilFieldChanged(i, 'to')">
+          <ng-container *ngIf="cibilFieldChanged(i, 'to'); else sameTo">
+            <span class="rd__old">{{ baselineCibil[i]?.to ?? '—' }}</span>
+            <span class="rd__arrow">→</span>
+            <span class="rd__new">{{ slab.to }}</span>
+          </ng-container>
+          <ng-template #sameTo>{{ slab.to }}</ng-template>
+        </td>
+        <td [class.rd__cell-changed]="cibilFieldChanged(i, 'tier')">
+          <ng-container *ngIf="cibilFieldChanged(i, 'tier'); else sameTier">
+            <span class="rd__old">{{ baselineCibil[i]?.tier ?? '—' }}</span>
+            <span class="rd__arrow">→</span>
+            <span class="rd__new">{{ slab.tier }}</span>
+          </ng-container>
+          <ng-template #sameTier>{{ slab.tier }}</ng-template>
+        </td>
+        <td [class.rd__cell-changed]="cibilFieldChanged(i, 'adjustmentPct')">
+          <ng-container *ngIf="cibilFieldChanged(i, 'adjustmentPct'); else sameAdj">
+            <span class="rd__old">{{ formatPct(baselineCibil[i]?.adjustmentPct ?? 0) }}</span>
+            <span class="rd__arrow">→</span>
+            <span class="rd__new">{{ formatPct(slab.adjustmentPct) }}</span>
+          </ng-container>
+          <ng-template #sameAdj>{{ formatPct(slab.adjustmentPct) }}</ng-template>
+        </td>
+      </tr>
+    </tbody>
+  </table>
+</div>

src/app/products/loan-interest-rate-register/rate-register-diff/rate-register-diff.component.scss

@@ -0,0 +1,206 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+:host {
+  display: flex;
+  flex-direction: column;
+  gap: 16px;
+}
+
+.rd {
+  &__card {
+    background: white;
+    border: 1px solid #e2e8f0;
+    border-radius: 12px;
+    overflow: hidden;
+  }
+
+  &__card-head {
+    display: flex;
+    align-items: flex-start;
+    justify-content: space-between;
+    gap: 12px;
+    padding: 16px 20px;
+    border-bottom: 1px solid #f1f5f9;
+  }
+
+  &__card-title {
+    font-size: 15px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__card-sub {
+    margin-top: 2px;
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__toggle {
+    font-size: 12px;
+    font-weight: 500;
+  }
+
+  // ---- Empty state (no changes) -----------------------------------------
+
+  &__empty {
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    gap: 8px;
+    padding: 48px 20px;
+    color: #64748b;
+
+    i {
+      font-size: 28px;
+      color: #94a3b8;
+    }
+  }
+
+  &__empty-title {
+    font-size: 15px;
+    font-weight: 600;
+    color: #0f172a;
+  }
+
+  &__empty-sub {
+    font-size: 12px;
+    text-align: center;
+    max-width: 420px;
+  }
+
+  // ---- Scrollable rate chart --------------------------------------------
+
+  &__scroll {
+    overflow: auto;
+    max-height: 520px;
+  }
+
+  &__grid {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 12px;
+
+    thead th {
+      position: sticky;
+      top: 0;
+      background: #f8fafc;
+      color: #64748b;
+      font-size: 10px;
+      text-transform: uppercase;
+      font-weight: 600;
+      letter-spacing: 0.3px;
+      padding: 10px;
+      text-align: right;
+      border-bottom: 1px solid #e2e8f0;
+      white-space: nowrap;
+    }
+
+    thead th.rd__col-particulars {
+      text-align: left;
+    }
+
+    tbody td {
+      padding: 8px 10px;
+      border-bottom: 1px solid #f1f5f9;
+      text-align: right;
+      font-variant-numeric: tabular-nums;
+      color: #0f172a;
+      white-space: nowrap;
+    }
+
+    tbody td.rd__col-particulars {
+      text-align: left;
+      font-weight: 500;
+      max-width: 240px;
+      overflow: hidden;
+      text-overflow: ellipsis;
+      white-space: nowrap;
+    }
+  }
+
+  &__srno {
+    display: inline-block;
+    min-width: 24px;
+    color: #94a3b8;
+    font-weight: 600;
+    margin-right: 6px;
+  }
+
+  &__gl-tag {
+    display: inline-block;
+    margin-left: 30px;
+    font-size: 10px;
+    font-weight: 600;
+    color: #475569;
+    background: #f1f5f9;
+    border-radius: 999px;
+    padding: 1px 8px;
+
+    &--unmapped {
+      color: #92400e;
+      background: #fef3c7;
+    }
+  }
+
+  // ---- Row & cell highlights --------------------------------------------
+
+  &__row--changed {
+    background: #fffbeb;
+  }
+
+  &__cell-changed {
+    background: #fef3c7 !important;
+    font-weight: 700;
+  }
+
+  &__old {
+    color: #991b1b;
+    font-weight: 500;
+    text-decoration: line-through;
+    text-decoration-color: #dc2626;
+    text-decoration-thickness: 1px;
+  }
+
+  &__arrow {
+    color: #94a3b8;
+    margin: 0 4px;
+    font-weight: 700;
+  }
+
+  &__new {
+    color: #065f46;
+    font-weight: 700;
+  }
+
+  // ---- CIBIL inline-diff table ------------------------------------------
+
+  &__cibil {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 12px;
+
+    thead th {
+      background: #f8fafc;
+      color: #64748b;
+      font-size: 10px;
+      text-transform: uppercase;
+      font-weight: 600;
+      letter-spacing: 0.3px;
+      padding: 10px 14px;
+      text-align: left;
+      border-bottom: 1px solid #e2e8f0;
+    }
+
+    tbody td {
+      padding: 10px 14px;
+      border-bottom: 1px solid #f1f5f9;
+      color: #0f172a;
+    }
+  }
+}

src/app/products/loan-interest-rate-register/rate-register-diff/rate-register-diff.component.ts

@@ -0,0 +1,121 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, Input, OnInit, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { MatSlideToggleModule } from '@angular/material/slide-toggle';
+import { RateRegisterService } from '../rate-register.service';
+import { CibilSlab, RateCell, RateChartRow, SlabColumn } from '../models/rate-register.model';
+import { countChangedCells, countChangedCibil, sameCell } from '../rate-register-diff.util';
+
+/**
+ * Inline-diff view of a proposed Loan Interest Rate Register version against a baseline: one rate
+ * chart where every changed cell reads OLD -> NEW, plus the CIBIL bands. Shared by the Compare
+ * screen (before submitting) and the Approvals dialog (before approving), so both show the same thing.
+ */
+@Component({
+  selector: 'mifosx-rate-register-diff',
+  templateUrl: './rate-register-diff.component.html',
+  styleUrls: ['./rate-register-diff.component.scss'],
+  imports: [
+    CommonModule,
+    FormsModule,
+    MatSlideToggleModule
+  ]
+})
+export class RateRegisterDiffComponent implements OnInit {
+  private readonly service = inject(RateRegisterService);
+
+  @Input() slabs: SlabColumn[] = [];
+  @Input() draftRows: RateChartRow[] = [];
+  @Input() baselineRows: RateChartRow[] = [];
+  @Input() draftCibil: CibilSlab[] = [];
+  @Input() baselineCibil: CibilSlab[] = [];
+
+  /** User toggle to collapse the chart to only the rows that changed. */
+  showOnlyChanged = true;
+
+  ngOnInit(): void {
+    // Loads the GL list so mapped particulars show a readable label; the cache is shared.
+    this.service.getGlOptions().subscribe();
+  }
+
+  glText(row: RateChartRow): string {
+    return row.glAccountId == null ? 'GL not mapped' : (this.service.glLabel(row.glAccountId) ?? 'GL not mapped');
+  }
+
+  display(cell: RateCell): string {
+    if (cell === null) {
+      return 'N.A.';
+    }
+    if (typeof cell === 'string') {
+      return cell;
+    }
+    return cell.toFixed(2);
+  }
+
+  /** The baseline (OLD) value of a cell; null when the row did not exist in the baseline. */
+  baselineCell(srNo: number, colIdx: number): RateCell {
+    return this.baselineRows.find((r) => r.srNo === srNo)?.rates[colIdx] ?? null;
+  }
+
+  draftCell(srNo: number, colIdx: number): RateCell {
+    return this.draftRows.find((r) => r.srNo === srNo)?.rates[colIdx] ?? null;
+  }
+
+  cellChanged(srNo: number, colIdx: number): boolean {
+    return !sameCell(this.baselineCell(srNo, colIdx), this.draftCell(srNo, colIdx));
+  }
+
+  rowHasChanges(srNo: number): boolean {
+    for (let j = 0; j < this.slabs.length; j++) {
+      if (this.cellChanged(srNo, j)) {
+        return true;
+      }
+    }
+    return false;
+  }
+
+  /** Rows to render: all of them, or only those with a change when the toggle is on. */
+  get visibleRows(): RateChartRow[] {
+    if (!this.showOnlyChanged || this.changedCellCount() === 0) {
+      return this.draftRows;
+    }
+    return this.draftRows.filter((r) => this.rowHasChanges(r.srNo));
+  }
+
+  changedCellCount(): number {
+    return countChangedCells(this.draftRows, this.baselineRows, this.slabs.length);
+  }
+
+  changedCibilCount(): number {
+    return countChangedCibil(this.draftCibil, this.baselineCibil);
+  }
+
+  cibilChanged(index: number): boolean {
+    const a = this.baselineCibil[index];
+    const d = this.draftCibil[index];
+    return !a || !d || a.from !== d.from || a.to !== d.to || a.tier !== d.tier || a.adjustmentPct !== d.adjustmentPct;
+  }
+
+  /** Per-field highlight inside a CIBIL row. */
+  cibilFieldChanged(index: number, field: 'from' | 'to' | 'tier' | 'adjustmentPct'): boolean {
+    const a = this.baselineCibil[index];
+    const d = this.draftCibil[index];
+    return !a || !d || a[field] !== d[field];
+  }
+
+  formatPct(pct: number): string {
+    if (pct === 0) {
+      return '0.00%';
+    }
+    const sign = pct > 0 ? '+' : '−';
+    return `${sign}${Math.abs(pct).toFixed(2)}%`;
+  }
+}

src/app/products/loan-interest-rate-register/rate-register.service.ts

@@ -0,0 +1,647 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { inject, Injectable } from '@angular/core';
+import { Observable, catchError, forkJoin, map, of, switchMap, tap } from 'rxjs';
+import { ProductsService } from '../products.service';
+import {
+  CibilSlab,
+  GlOption,
+  RateCell,
+  RateChartRow,
+  RateRegister,
+  RegisterStatus,
+  SlabColumn
+} from './models/rate-register.model';
+
+/**
+ * Central Loan Interest Rate Register service.
+ *
+ * Data comes from HTTP (/loanproducts/baseinterestrates); there is no built-in sample data. If the
+ * backend cannot be reached the list is empty apart from local Drafts (not-yet-submitted new
+ * versions), which live only in memory and are merged in front of server data on every list().
+ */
+@Injectable({ providedIn: 'root' })
+export class RateRegisterService {
+  private readonly productsService = inject(ProductsService);
+
+  /** True while the HTTP backend is reachable. Flipped to false on first HTTP failure (dev mode fallback). */
+  private useHttp = true;
+
+  /** Snapshot of the last list() result — getActive() / getActiveOrFirstDraft() read from this. */
+  private cache: RateRegister[] = [];
+
+  /** In-memory drafts the maker has created but not yet submitted. Preserved across list() refreshes. */
+  private localDrafts: RateRegister[] = this.loadDrafts();
+
+  private static readonly DRAFTS_KEY = 'cbsLoanRateRegisterDrafts';
+
+  /** Drafts are kept in this browser's localStorage so a reload does not lose the maker's work. */
+  private loadDrafts(): RateRegister[] {
+    try {
+      const raw = localStorage.getItem(RateRegisterService.DRAFTS_KEY);
+      const parsed = raw ? (JSON.parse(raw) as RateRegister[]) : [];
+      return Array.isArray(parsed) ? parsed.filter((d) => d?.status === 'Draft') : [];
+    } catch {
+      return [];
+    }
+  }
+
+  /** Persist the current drafts (call after any edit the user should not lose). */
+  saveDrafts(): void {
+    try {
+      localStorage.setItem(
+        RateRegisterService.DRAFTS_KEY,
+        JSON.stringify(this.localDrafts.filter((d) => d.status === 'Draft'))
+      );
+    } catch {
+      /* storage unavailable (private mode / quota): the draft just stays in memory */
+    }
+  }
+
+  /** Base for the synthetic ids of pending server entries: -(base + commandId). Local drafts count down from -1. */
+  private static readonly PENDING_ID_BASE = 1_000_000;
+
+  /** One maker-checker entry (with its commandAsJson) as a read-only register, e.g. for the Approvals dialog. */
+  registerFromPendingEntry(entry: any): RateRegister | null {
+    return this.pendingToRegisters([entry])[0] ?? null;
+  }
+
+  /** A version as the backend returns it, as a UI register; used as the "old" side of a comparison. */
+  registerFromServerDto(dto: any): RateRegister {
+    return this.fromBackend(dto, new Map());
+  }
+
+  /** Turn the maker-checker entries awaiting a checker into read-only "Pending Approval" registers. */
+  private pendingToRegisters(entries: any): RateRegister[] {
+    const items: any[] = Array.isArray(entries) ? entries : (entries?.pageItems ?? []);
+    const out: RateRegister[] = [];
+    for (const e of items) {
+      if ((e?.entityName ?? '').toUpperCase() !== 'LOANBASEINTERESTRATE' || !e?.commandAsJson) {
+        continue;
+      }
+      let payload: any;
+      try {
+        payload = JSON.parse(e.commandAsJson);
+      } catch {
+        continue;
+      }
+      const glBySrNo = new Map<number, number | null>();
+      for (const p of payload.products ?? []) {
+        glBySrNo.set(p.srNo, p.glAccountId ?? null);
+      }
+      const madeOn =
+        typeof e.madeOnDate === 'number'
+          ? new Date(e.madeOnDate < 1e12 ? e.madeOnDate * 1000 : e.madeOnDate).toISOString().slice(0, 10)
+          : String(e.madeOnDate ?? '').slice(0, 10);
+      const reg = this.fromBackend(
+        {
+          id: -(RateRegisterService.PENDING_ID_BASE + e.id),
+          name: payload.name,
+          effectiveFromDate: payload.effectiveFromDate ?? madeOn,
+          effectiveToDate: null,
+          currencyCode: payload.currencyCode,
+          isActive: false,
+          fallbackNoCibilSlab: payload.fallbackNoCibilSlab,
+          fallbackBelowMin: payload.fallbackBelowMin,
+          note: payload.note,
+          createdDate: madeOn,
+          slabs: payload.slabs,
+          cibilSlabs: payload.cibilSlabs
+        },
+        glBySrNo
+      );
+      reg.status = 'Pending Approval';
+      reg.createdBy = e.maker ?? 'Maker';
+      reg.lastModified = madeOn;
+      // With no Active register to diff against, the Compare screen falls back to this blank baseline.
+      reg.baselineRows = reg.rows.map((r) => ({
+        srNo: r.srNo,
+        particulars: r.particulars,
+        glAccountId: r.glAccountId ?? null,
+        rates: new Array(r.rates.length).fill(null)
+      }));
+      reg.baselineCibilSlabs = [];
+      out.push(reg);
+    }
+    return out;
+  }
+
+  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 }
+  ];
+
+  // Credit-score bands per the bank's approved register:
+  // above 700 = base rate (no change), below that stepped up by 0.5% per band.
+  // No discount band — the register never gives a negative adjustment.
+  private readonly cibilSlabs: CibilSlab[] = [
+    { from: 0, to: 500, tier: 'V. Poor', type: 'Flat', adjustmentPct: 2.0 },
+    { from: 501, to: 600, tier: 'Poor', type: 'Flat', adjustmentPct: 1.5 },
+    { from: 601, to: 650, tier: 'Fair', type: 'Flat', adjustmentPct: 1.0 },
+    { from: 651, to: 700, tier: 'Good', type: 'Flat', adjustmentPct: 0.5 },
+    { from: 701, to: 900, tier: 'Excellent', type: 'Flat', adjustmentPct: 0 }
+  ];
+
+  /**
+   * The standard loan types every bank offers. Same list the backend seeds into
+   * m_loan_rate_register_product; used only if that endpoint cannot be reached when the first
+   * version is created. Any other particular is added by the bank itself.
+   */
+  private readonly defaultParticulars: { srNo: number; name: string }[] = [
+    { srNo: 1, name: 'Housing Loan (Purchase/Construction)' },
+    { srNo: 2, name: 'Home Repair/Renovation' },
+    { srNo: 3, name: 'Personal Loan (Unsecured)' },
+    { srNo: 4, name: 'Personal Loan (Secured/Property)' },
+    { srNo: 5, name: 'Two Wheeler Loan' },
+    { srNo: 6, name: 'Car Loan (New)' },
+    { srNo: 7, name: 'Used Car/Vehicle Loan' },
+    { srNo: 8, name: 'Commercial Vehicle Loan' },
+    { srNo: 9, name: 'Gold Loan' },
+    { srNo: 10, name: 'Business Term Loan' },
+    { srNo: 11, name: 'Machinery & Equipment Loan' },
+    { srNo: 12, name: 'Cash Credit' },
+    { srNo: 13, name: 'Overdraft' },
+    { srNo: 14, name: 'Agriculture Loan' },
+    { srNo: 15, name: 'Loan against FDR' },
+    { srNo: 16, name: 'Loan against RD' }
+  ];
+
+  /**
+   * List all registers (local drafts + server versions). If the backend cannot be reached only the
+   * local drafts are returned: there is no built-in sample data. A successful but empty response is a
+   * genuinely empty register and shows the "Create first version" state.
+   */
+  list(): Observable<RateRegister[]> {
+    if (!this.useHttp) {
+      this.cache = [...this.localDrafts];
+      return of(this.cache);
+    }
+    // Approved versions, the particulars master (each row's GL) and the versions still awaiting a
+    // checker. A failure of the master or the pending lookup must not hide the approved versions.
+    return forkJoin({
+      versions: this.productsService.getLoanBaseInterestRates(),
+      products: this.productsService.getLoanRateRegisterProducts().pipe(catchError(() => of([]))),
+      pending: this.productsService.getPendingLoanRateRegisters().pipe(
+        // The list omits each entry's payload, so fetch the detail of every pending entry.
+        switchMap((entries: any) => {
+          const items: any[] = (Array.isArray(entries) ? entries : (entries?.pageItems ?? [])).filter(
+            (e: any) => (e?.entityName ?? '').toUpperCase() === 'LOANBASEINTERESTRATE'
+          );
+          if (items.length === 0) {
+            return of([] as any[]);
+          }
+          return forkJoin(
+            items.map((e) =>
+              this.productsService.getLoanRateRegisterAuditDetail(e.id).pipe(
+                map((detail: any) => ({ ...detail, ...e })),
+                catchError(() => of(null))
+              )
+            )
+          ).pipe(map((all) => all.filter((x) => x !== null)));
+        }),
+        catchError(() => of([] as any[]))
+      )
+    }).pipe(
+      map(({ versions, products, pending }) => {
+        const glBySrNo = new Map<number, number | null>();
+        for (const p of (products as any[]) ?? []) {
+          glBySrNo.set(p.srNo, p.glAccountId ?? null);
+        }
+        const approved = ((versions as any[]) ?? []).map((d) => this.fromBackend(d, glBySrNo));
+        return [
+          ...this.pendingToRegisters(pending),
+          ...approved
+        ];
+      }),
+      catchError((err) => {
+        console.warn('[RateRegisterService] Backend unavailable —', err?.message ?? err);
+        this.useHttp = false;
+        return of([] as RateRegister[]);
+      }),
+      tap((effectiveVersions) => {
+        this.cache = [
+          ...this.localDrafts,
+          ...effectiveVersions
+        ];
+      }),
+      map(() => this.cache)
+    );
+  }
+
+  get(id: number): Observable<RateRegister | undefined> {
+    const cached = this.cache.find((r) => r.id === id);
+    if (cached) {
+      return of(cached);
+    }
+    // Local draft lookup (negative ids never hit the server).
+    if (id < 0) {
+      return of(this.localDrafts.find((r) => r.id === id));
+    }
+    if (!this.useHttp) {
+      return of(undefined);
+    }
+    return this.productsService.getLoanBaseInterestRateById(id).pipe(
+      map((d: any) => (d ? this.fromBackend(d, new Map()) : undefined)),
+      catchError(() => of(undefined))
+    );
+  }
+
+  /** The one currently in force. Used by the Compare screen as the "left-hand" baseline. */
+  getActive(): RateRegister | undefined {
+    return this.cache.find((r) => r.status === 'Active');
+  }
+
+  /** The one shown by default on list → edit navigation. */
+  getActiveOrFirstDraft(): RateRegister | undefined {
+    return (
+      this.cache.find((r) => r.status === 'Draft') ?? this.cache.find((r) => r.status === 'Active') ?? this.cache[0]
+    );
+  }
+
+  getSlabColumns(): SlabColumn[] {
+    return this.slabs;
+  }
+
+  getCibilSlabs(): CibilSlab[] {
+    return this.cibilSlabs;
+  }
+
+  // ---- maker-checker (real HTTP when backend is up, mock when not) -----------------
+
+  /**
+   * Submit a Draft for approval. HTTP path POSTs to /loanproducts/baseinterestrates — on a
+   * maker-checker-gated response ({@code rollbackTransaction=true}) the Draft stays visible as
+   * "Pending Approval" until the checker acts. On an un-gated response (direct commit) the Draft
+   * is removed and the register list is re-fetched so the new Active appears.
+   */
+  submitForApproval(id: number): Observable<{ rollbackTransaction: boolean; commandId?: number }> {
+    const draft = this.localDrafts.find((x) => x.id === id) ?? this.cache.find((x) => x.id === id);
+    if (!draft) {
+      return of({ rollbackTransaction: false });
+    }
+
+    const payload = this.toBackend(draft);
+    return this.productsService.saveLoanBaseInterestRate(payload).pipe(
+      map((res: any) => {
+        const rollback = res?.rollbackTransaction === true;
+        const commandId = res?.commandId;
+        // Either way the server now owns this version (a pending maker-checker entry, or the new
+        // Active one), so the local draft goes. list() brings the server copy back on its next call.
+        this.localDrafts = this.localDrafts.filter((d) => d.id !== id);
+        this.cache = this.cache.filter((c) => c.id !== id);
+        this.saveDrafts();
+        return { rollbackTransaction: rollback, commandId };
+      })
+      // No catchError: a rejected submit (e.g. a product without GL, backend down) must reach the
+      // caller so it can show the reason instead of pretending the request was sent.
+    );
+  }
+
+  /**
+   * Checker approves a Pending register — it becomes Active and the previously-Active one is
+   * deactivated. In real use the Approvals tab calls Fineract's /makercheckers/{id}?command=approve;
+   * this method remains as a local-only stub for the dev-fallback path.
+   */
+  approve(id: number): Observable<RateRegister | undefined> {
+    const pending = this.cache.find((x) => x.id === id);
+    if (!pending || pending.status !== 'Pending Approval') {
+      return of(undefined);
+    }
+    const today = new Date().toISOString().slice(0, 10);
+    const previouslyActive = this.cache.find((x) => x.status === 'Active');
+    if (previouslyActive) {
+      previouslyActive.status = 'Expired';
+      previouslyActive.effectiveTo = today;
+      previouslyActive.lastModified = today;
+    }
+    pending.status = 'Active';
+    pending.effectiveFrom = today;
+    pending.lastModified = today;
+    pending.baselineRows = this.cloneRows(pending.rows);
+    pending.baselineCibilSlabs = this.cloneCibilSlabs(pending.cibilSlabs);
+    // Promote the local draft to the server-shaped view by moving it out of localDrafts.
+    this.localDrafts = this.localDrafts.filter((d) => d.id !== id);
+    return of(pending);
+  }
+
+  /**
+   * Scaffold the first-ever Draft. Rows come from the backend's master list of particulars
+   * (/loanproducts/baseinterestrates/products) with every rate blank, so the bank fills in its own
+   * rates. If the backend is unreachable, the same standard loan types come from a built-in list.
+   * Carries a negative id like other local drafts.
+   */
+  createFirstVersion(): Observable<RateRegister> {
+    const fromTemplate = (): RateRegister =>
+      this.scaffoldFirstDraft(
+        this.defaultParticulars.map(
+          (p): RateChartRow => ({
+            srNo: p.srNo,
+            particulars: p.name,
+            glAccountId: null,
+            rates: new Array(this.slabs.length).fill(null)
+          })
+        ),
+        'First version — standard loan types, rates to be filled'
+      );
+
+    if (!this.useHttp) {
+      return of(fromTemplate());
+    }
+    return this.productsService.getLoanRateRegisterProducts().pipe(
+      map((products: any[]) => {
+        const rows: RateChartRow[] = (products ?? []).map(
+          (p): RateChartRow => ({
+            srNo: p.srNo,
+            particulars: p.name,
+            glAccountId: p.glAccountId ?? null,
+            rates: new Array(this.slabs.length).fill(null)
+          })
+        );
+        return rows.length > 0
+          ? this.scaffoldFirstDraft(rows, 'First version — standard loan types, rates to be filled')
+          : fromTemplate();
+      }),
+      catchError(() => of(fromTemplate()))
+    );
+  }
+
+  private scaffoldFirstDraft(rows: RateChartRow[], note: string): RateRegister {
+    const cibilTemplate = this.cibilSlabs;
+    const today = new Date().toISOString().slice(0, 10);
+    const draft: RateRegister = {
+      id: this.nextLocalDraftId(),
+      name: 'Interest Rate of Loans — new version',
+      effectiveFrom: today,
+      effectiveTo: null,
+      currency: 'INR',
+      status: 'Draft',
+      createdBy: 'Current User',
+      lastModified: today,
+      note,
+      slabs: this.slabs,
+      rows,
+      cibilSlabs: this.cloneCibilSlabs(cibilTemplate),
+      // Baseline is blank for a first version, so Compare shows every filled cell as new.
+      baselineRows: rows.map((r) => ({
+        srNo: r.srNo,
+        particulars: r.particulars,
+        rates: new Array(r.rates.length).fill(null)
+      })),
+      baselineCibilSlabs: [],
+      fallbackNoCibilSlab: 2,
+      fallbackBelowMin: 'block'
+    };
+    this.localDrafts.unshift(draft);
+    this.cache.unshift(draft);
+    this.saveDrafts();
+    return draft;
+  }
+
+  /**
+   * Duplicate the current Active (or any register) as a new local Draft so the user can propose
+   * changes without touching the live Active. Local Drafts carry a negative id to never collide
+   * with server-assigned ids.
+   */
+  duplicateAsDraft(sourceId: number): RateRegister | undefined {
+    const source = this.cache.find((r) => r.id === sourceId);
+    if (!source) {
+      return undefined;
+    }
+    const newId = this.nextLocalDraftId();
+    const today = new Date().toISOString().slice(0, 10);
+    const copy: RateRegister = {
+      id: newId,
+      // Left blank on purpose: the maker enters name and dates in the submit popup.
+      name: '',
+      effectiveFrom: '',
+      effectiveTo: null,
+      currency: source.currency,
+      status: 'Draft',
+      createdBy: 'Current User',
+      lastModified: today,
+      note: `Draft derived from ${source.name}`,
+      slabs: source.slabs,
+      rows: this.cloneRows(source.rows),
+      cibilSlabs: this.cloneCibilSlabs(source.cibilSlabs),
+      baselineRows: this.cloneRows(source.rows),
+      baselineCibilSlabs: this.cloneCibilSlabs(source.cibilSlabs),
+      fallbackNoCibilSlab: source.fallbackNoCibilSlab,
+      fallbackBelowMin: source.fallbackBelowMin
+    };
+    this.localDrafts.unshift(copy);
+    this.cache.unshift(copy);
+    this.saveDrafts();
+    return copy;
+  }
+
+  /** Checker rejects the pending register — it goes back to Draft (local-only fallback). */
+  reject(id: number): Observable<RateRegister | undefined> {
+    const pending = this.cache.find((x) => x.id === id);
+    if (!pending || pending.status !== 'Pending Approval') {
+      return of(undefined);
+    }
+    pending.status = 'Draft';
+    pending.lastModified = new Date().toISOString().slice(0, 10);
+    return of(pending);
+  }
+
+  private nextLocalDraftId(): number {
+    const minId = this.localDrafts.length ? Math.min(...this.localDrafts.map((d) => d.id)) : 0;
+    return (minId <= 0 ? minId : 0) - 1;
+  }
+
+  private cloneRows(src: RateChartRow[]): RateChartRow[] {
+    return src.map((r) => ({
+      srNo: r.srNo,
+      particulars: r.particulars,
+      isFormula: r.isFormula,
+      glAccountId: r.glAccountId ?? null,
+      rates: [...r.rates]
+    }));
+  }
+
+  private cloneCibilSlabs(src: CibilSlab[]): CibilSlab[] {
+    return src.map((s) => ({ ...s }));
+  }
+
+  // ---- backend <-> UI mapping -----------------------------------------------
+  // Backend sends/receives slabs as a flat list of {productSrNo, slabOrder, cell} rows; the UI
+  // works with a matrix: SlabColumn[] + RateChartRow[] (34 × 10). The two mappers below bridge
+  // that gap.
+
+  /** Map a backend {@code LoanRateRegisterData} payload into a UI RateRegister. */
+  private fromBackend(d: any, glBySrNo: Map<number, number | null>): RateRegister {
+    // Rebuild the slab columns from unique slabOrders.
+    const slabByOrder = new Map<number, SlabColumn>();
+    for (const cell of d.slabs ?? []) {
+      if (!slabByOrder.has(cell.slabOrder)) {
+        slabByOrder.set(cell.slabOrder, {
+          key: `s${cell.slabOrder + 1}`,
+          label: cell.slabLabel,
+          amountUpto: cell.amountUpto ?? null
+        });
+      }
+    }
+    const slabs = [...slabByOrder.entries()]
+      .sort((a, b) => a[0] - b[0])
+      .map(
+        ([
+          ,
+          s
+        ]) => s
+      );
+
+    // Group cells by product to build rows.
+    const rowByProduct = new Map<number, RateChartRow>();
+    for (const cell of d.slabs ?? []) {
+      let row = rowByProduct.get(cell.productSrNo);
+      if (!row) {
+        row = {
+          srNo: cell.productSrNo,
+          particulars: cell.productName,
+          glAccountId: glBySrNo.get(cell.productSrNo) ?? null,
+          rates: new Array(slabs.length).fill(null)
+        };
+        rowByProduct.set(cell.productSrNo, row);
+      }
+      let value: RateCell;
+      if (cell.isNa) {
+        value = null;
+      } else if (cell.isFormula && cell.rateFormula) {
+        value = cell.rateFormula;
+        row.isFormula = true;
+      } else {
+        value = cell.rateValue ?? null;
+      }
+      row.rates[cell.slabOrder] = value;
+    }
+    const rows = [...rowByProduct.values()].sort((a, b) => a.srNo - b.srNo);
+
+    const cibilSlabs: CibilSlab[] = (d.cibilSlabs ?? [])
+      .slice()
+      .sort((a: any, b: any) => a.displayOrder - b.displayOrder)
+      .map((c: any) => ({
+        from: c.scoreFrom,
+        to: c.scoreTo,
+        tier: c.tier,
+        type: c.slabType ?? 'Flat',
+        adjustmentPct: Number(c.adjustmentPct)
+      }));
+
+    const status: RegisterStatus = d.isActive ? 'Active' : 'Expired';
+    return {
+      id: d.id,
+      name: d.name,
+      effectiveFrom: d.effectiveFromDate,
+      effectiveTo: d.effectiveToDate ?? null,
+      currency: d.currencyCode ?? 'INR',
+      status,
+      createdBy: d.createdById != null ? `User #${d.createdById}` : 'System',
+      lastModified: (d.createdDate ?? d.effectiveFromDate ?? '').toString().slice(0, 10),
+      note: d.note,
+      slabs,
+      rows,
+      cibilSlabs,
+      baselineRows: this.cloneRows(rows),
+      baselineCibilSlabs: this.cloneCibilSlabs(cibilSlabs),
+      fallbackNoCibilSlab: d.fallbackNoCibilSlab ?? 2,
+      fallbackBelowMin: (d.fallbackBelowMin as 'use-min-slab' | 'block') ?? 'block'
+    };
+  }
+
+  /** Serialise a UI RateRegister into the JSON shape POST /loanproducts/baseinterestrates expects. */
+  private toBackend(r: RateRegister): any {
+    const slabs: any[] = [];
+    for (const row of r.rows) {
+      for (let j = 0; j < r.slabs.length; j++) {
+        const cell = row.rates[j];
+        const slabCol = r.slabs[j];
+        const isNa = cell === null;
+        const isFormula = typeof cell === 'string';
+        slabs.push({
+          productSrNo: row.srNo,
+          productName: row.particulars,
+          slabOrder: j,
+          slabLabel: slabCol.label,
+          amountUpto: slabCol.amountUpto,
+          rateValue: isNa || isFormula ? null : cell,
+          rateFormula: isFormula ? cell : null,
+          isFormula,
+          isNa
+        });
+      }
+    }
+    const cibilSlabs = r.cibilSlabs.map((c, i) => ({
+      scoreFrom: c.from,
+      scoreTo: c.to,
+      tier: c.tier,
+      slabType: c.type,
+      adjustmentPct: c.adjustmentPct,
+      displayOrder: i
+    }));
+    return {
+      name: r.name,
+      effectiveFromDate: r.effectiveFrom,
+      currencyCode: r.currency,
+      fallbackNoCibilSlab: r.fallbackNoCibilSlab,
+      fallbackBelowMin: r.fallbackBelowMin,
+      note: r.note,
+      products: r.rows.map((row) => ({
+        srNo: row.srNo,
+        name: row.particulars,
+        glAccountId: row.glAccountId ?? null
+      })),
+      slabs,
+      cibilSlabs
+    };
+  }
+
+  // ---- GL accounts for the particular → GL mapping ------------------------------
+
+  private glOptionsCache: GlOption[] | null = null;
+
+  /** Posting GL accounts the user can map a particular to. Cached after the first successful load. */
+  getGlOptions(): Observable<GlOption[]> {
+    if (this.glOptionsCache) {
+      return of(this.glOptionsCache);
+    }
+    return this.productsService.getLoanRegisterGlAccounts().pipe(
+      map((accounts: any[]) =>
+        (accounts ?? [])
+          // The server filters on type=1 (ASSET); this keeps asset-only even if that param is ignored.
+          .filter((a) => a.type == null || a.type.value === 'ASSET' || a.type.id === 1)
+          .sort((a, b) => String(a.glCode ?? '').localeCompare(String(b.glCode ?? '')))
+          .map((a) => ({
+            id: a.id,
+            label: a.glCode ? `${a.glCode} - ${a.name}` : a.name
+          }))
+      ),
+      tap((options) => {
+        this.glOptionsCache = options;
+      }),
+      catchError(() => of([] as GlOption[]))
+    );
+  }
+
+  /** Display label for a mapped GL id, or null when unmapped or the account list is not loaded. */
+  glLabel(id: number | null | undefined): string | null {
+    if (id == null) {
+      return null;
+    }
+    return this.glOptionsCache?.find((o) => o.id === id)?.label ?? `GL #${id}`;
+  }
+}

src/app/products/loan-interest-rate-register/submit-details-dialog/submit-details-dialog.component.ts

@@ -0,0 +1,139 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { MAT_DIALOG_DATA, MatDialogModule, MatDialogRef } from '@angular/material/dialog';
+import { MatButtonModule } from '@angular/material/button';
+
+export interface SubmitDetailsData {
+  name: string;
+  effectiveFrom: string;
+  effectiveTo: string;
+  /** Active version this one replaces, shown as context. */
+  activeName?: string;
+  activeFrom?: string;
+}
+
+export interface SubmitDetailsResult {
+  name: string;
+  effectiveFrom: string;
+  effectiveTo: string;
+}
+
+/** Asks the maker for the version details (name, effective from / to) just before sending for approval. */
+@Component({
+  selector: 'mifosx-submit-details-dialog',
+  imports: [
+    CommonModule,
+    FormsModule,
+    MatDialogModule,
+    MatButtonModule
+  ],
+  template: `
+    <h2 mat-dialog-title>Version details</h2>
+    <mat-dialog-content class="sd">
+      <p class="sd__hint">
+        Confirm these details before sending the rate register for approval.
+        <span *ngIf="data.activeName"
+          >It will replace <b>{{ data.activeName }}</b
+          ><span *ngIf="data.activeFrom"> (effective {{ data.activeFrom }})</span> once approved.</span
+        >
+      </p>
+      <div class="sd__field">
+        <label>REGISTER NAME *</label>
+        <input type="text" [(ngModel)]="name" />
+      </div>
+      <div class="sd__row">
+        <div class="sd__field">
+          <label>EFFECTIVE FROM *</label>
+          <input type="date" [(ngModel)]="effectiveFrom" />
+        </div>
+        <div class="sd__field">
+          <label>EFFECTIVE TO</label>
+          <input type="date" [(ngModel)]="effectiveTo" [min]="effectiveFrom" />
+        </div>
+      </div>
+      <div class="sd__error" *ngIf="error">{{ error }}</div>
+    </mat-dialog-content>
+    <mat-dialog-actions align="end">
+      <button mat-stroked-button (click)="ref.close()">Cancel</button>
+      <button mat-flat-button color="primary" (click)="confirm()">Submit for approval</button>
+    </mat-dialog-actions>
+  `,
+  styles: [
+    `
+      .sd {
+        min-width: 460px;
+        display: flex;
+        flex-direction: column;
+        gap: 12px;
+      }
+      .sd__hint {
+        margin: 0;
+        font-size: 12px;
+        color: #64748b;
+      }
+      .sd__row {
+        display: flex;
+        gap: 12px;
+      }
+      .sd__field {
+        display: flex;
+        flex-direction: column;
+        flex: 1;
+      }
+      .sd__field label {
+        font-size: 10px;
+        font-weight: 600;
+        color: #64748b;
+        letter-spacing: 0.3px;
+        margin-bottom: 3px;
+      }
+      .sd__field input {
+        height: 34px;
+        border: 1px solid #cbd5e1;
+        border-radius: 6px;
+        padding: 0 10px;
+        font-size: 13px;
+        font-family: inherit;
+      }
+      .sd__error {
+        font-size: 12px;
+        color: #b91c1c;
+      }
+    `
+  ]
+})
+export class SubmitDetailsDialogComponent {
+  readonly ref = inject<MatDialogRef<SubmitDetailsDialogComponent, SubmitDetailsResult>>(MatDialogRef);
+  readonly data = inject<SubmitDetailsData>(MAT_DIALOG_DATA);
+
+  name = this.data.name;
+  effectiveFrom = this.data.effectiveFrom;
+  effectiveTo = this.data.effectiveTo;
+  error = '';
+
+  confirm(): void {
+    const name = this.name.trim();
+    if (!name) {
+      this.error = 'Enter the register name.';
+      return;
+    }
+    if (!this.effectiveFrom) {
+      this.error = 'Select the effective from date.';
+      return;
+    }
+    if (this.effectiveTo && this.effectiveTo < this.effectiveFrom) {
+      this.error = 'Effective to cannot be before effective from.';
+      return;
+    }
+    this.ref.close({ name, effectiveFrom: this.effectiveFrom, effectiveTo: this.effectiveTo });
+  }
+}

src/app/products/loan-products/create-loan-product/create-loan-product.component.html

@@ -42,19 +42,168 @@
       </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
+            [productSubType]="advanceSubType"
+            [glAccountId]="productGlAccount"
+          ></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 (isLoanAccount) {
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-shield-alt lp-tab-icon"></i>
+          SECURITY &amp; COLLATERAL
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-loan-security-step></mifosx-loan-product-loan-security-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-sliders-h lp-tab-icon"></i>
+          AMOUNT &amp; TENURE
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-loan-amount-tenure-step></mifosx-loan-product-loan-amount-tenure-step>
+        </div>
+      </mat-tab>
+
+      <mat-tab>
+        <ng-template mat-tab-label>
+          <i class="fas fa-calendar-alt lp-tab-icon"></i>
+          REPAYMENT &amp; EMI
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-loan-repayment-step></mifosx-loan-product-loan-repayment-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-loan-interest-step
+            [productSubType]="advanceSubType"
+            [glAccountId]="productGlAccount"
+          ></mifosx-loan-product-loan-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-flag-checkered lp-tab-icon"></i>
+          PREPAYMENT &amp; CLOSURE
+        </ng-template>
+        <div class="lp-tab-content">
+          <mifosx-loan-product-loan-prepayment-step></mifosx-loan-product-loan-prepayment-step>
+        </div>
+      </mat-tab>
+    }
+
+    <!--
+      OLD LOANS A/C PATH — commented out for now (replaced by the Loans A/C steps above).
+      Settings, Interest Refund, Payment Allocation and Terms tabs are kept here so they can be restored.
+
+    @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 +239,20 @@
       </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>
@@ -109,11 +263,12 @@
         <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>
 
+    <!-- OLD LOANS A/C PATH (Deferred Income Recognition) — commented out for now.
     @if (isAdvancedPaymentStrategy) {
       <mat-tab>
         <ng-template mat-tab-label>
@@ -134,6 +289,7 @@
         </div>
       </mat-tab>
     }
+    -->
 
     <mat-tab>
       <ng-template mat-tab-label>

src/app/products/loan-products/create-loan-product/create-loan-product.component.ts

@@ -13,11 +13,22 @@ 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';
 import { LoanProductAccountingStepComponent } from '../loan-product-stepper/loan-product-accounting-step/loan-product-accounting-step.component';
 import { LoanProductInterestRefundStepComponent } from '../loan-product-stepper/loan-product-interest-refund-step/loan-product-interest-refund-step.component';
+import { LoanProductLoanSecurityStepComponent } from '../loan-product-stepper/loan-product-loan-security-step/loan-product-loan-security-step.component';
+import { LoanProductLoanAmountTenureStepComponent } from '../loan-product-stepper/loan-product-loan-amount-tenure-step/loan-product-loan-amount-tenure-step.component';
+import { LoanProductLoanRepaymentStepComponent } from '../loan-product-stepper/loan-product-loan-repayment-step/loan-product-loan-repayment-step.component';
+import { LoanProductLoanInterestStepComponent } from '../loan-product-stepper/loan-product-loan-interest-step/loan-product-loan-interest-step.component';
+import { LoanProductLoanPrepaymentStepComponent } from '../loan-product-stepper/loan-product-loan-prepayment-step/loan-product-loan-prepayment-step.component';
 
 /** Custom Services */
 import { ProductsService } from 'app/products/products.service';
@@ -34,7 +45,7 @@ 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';
@@ -51,12 +62,24 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     FaIconComponent,
     LoanProductDetailsStepComponent,
     LoanProductCurrencyStepComponent,
-    LoanProductSettingsStepComponent,
-    LoanProductInterestRefundStepComponent,
-    LoanProductPaymentStrategyStepComponent,
-    LoanProductTermsStepComponent,
+    LoanProductSecurityLienStepComponent,
+    LoanProductAdvanceLimitTenureStepComponent,
+    LoanProductAdvanceInterestStepComponent,
+    LoanProductPenalNpaStepComponent,
+    LoanProductRenewalClosureStepComponent,
+    LoanProductChequeBookStepComponent,
+    LoanProductLoanSecurityStepComponent,
+    LoanProductLoanAmountTenureStepComponent,
+    LoanProductLoanRepaymentStepComponent,
+    LoanProductLoanInterestStepComponent,
+    LoanProductLoanPrepaymentStepComponent,
+    // Old Loans A/C path — commented out for now (its tabs are commented out in the template):
+    // LoanProductSettingsStepComponent,
+    // LoanProductInterestRefundStepComponent,
+    // LoanProductPaymentStrategyStepComponent,
+    // LoanProductTermsStepComponent,
+    // LoanProductDeferredIncomeRecognitionStepComponent,
     LoanProductChargesStepComponent,
-    LoanProductDeferredIncomeRecognitionStepComponent,
     LoanProductAccountingStepComponent,
     LoanProductPreviewStepComponent
   ]
@@ -73,12 +96,39 @@ 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;
+
+  // Conditional tabs (Loans A/C only): resolved after the @if renders them.
+  @ViewChild(LoanProductLoanSecurityStepComponent)
+  loanProductLoanSecurityStep: LoanProductLoanSecurityStepComponent;
+  @ViewChild(LoanProductLoanAmountTenureStepComponent)
+  loanProductLoanAmountTenureStep: LoanProductLoanAmountTenureStepComponent;
+  @ViewChild(LoanProductLoanRepaymentStepComponent)
+  loanProductLoanRepaymentStep: LoanProductLoanRepaymentStepComponent;
+  @ViewChild(LoanProductLoanInterestStepComponent)
+  loanProductLoanInterestStep: LoanProductLoanInterestStepComponent;
+  @ViewChild(LoanProductLoanPrepaymentStepComponent)
+  loanProductLoanPrepaymentStep: LoanProductLoanPrepaymentStepComponent;
+
+  /** 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 +193,23 @@ 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;
+  }
+
+  /** The GL account chosen on the Details step; the rate register row can be matched by it. */
+  get productGlAccount(): number | string | null {
+    return this.loanProductDetailsStep?.loanProductDetailsForm?.get('glAccount')?.value ?? null;
+  }
+
+  /** 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 +297,103 @@ 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';
+  }
+
+  /** The Details step's chosen product type; drives the Loans A/C (EMI) tabs. */
+  get isLoanAccount(): boolean {
+    return this.loanProductDetailsForm?.get('productTypeGroup')?.value === 'loans';
+  }
+
   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 if (this.isLoanAccount) {
+      // security & collateral, amount & tenure, repayment & emi, interest, penal & npa, prepayment & closure
+      tabs += 6;
+    }
+    // Old Loans A/C path (Settings, Terms, Interest Refund, Payment Allocation, Deferred Income) — commented out:
+    // 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 (EMI): the curated Loans steps gate the form; Settings/Terms tabs are commented out.
+    if (this.isLoanAccount) {
+      return (
+        base &&
+        !!this.loanProductLoanSecurityStep?.loanProductLoanSecurityForm?.valid &&
+        !!this.loanProductLoanAmountTenureStep?.loanProductLoanAmountTenureForm?.valid &&
+        !!this.loanProductLoanRepaymentStep?.loanProductLoanRepaymentForm?.valid &&
+        !!this.loanProductLoanInterestStep?.loanProductLoanInterestForm?.valid &&
+        !!this.loanProductPenalNpaStep?.loanProductPenalNpaForm?.valid &&
+        !!this.loanProductLoanPrepaymentStep?.loanProductLoanPrepaymentForm?.valid
+      );
+    }
+
+    // No product type chosen yet.
+    return false;
+
+    // Old Loans A/C path (Settings + Terms) — commented out for now:
+    // 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 (EMI): builds its own payload from the Loans steps, mapped onto Fineract's core fields.
+    if (this.isLoanAccount) {
+      return this.assembleLoanProduct();
+    }
+    return {};
+
+    /* OLD LOANS A/C PATH (Settings/Terms composition) — commented out for now.
     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
     };
@@ -302,6 +424,340 @@ export class CreateLoanProductComponent implements OnInit {
       }
     }
     return loanProduct;
+    */
+  }
+
+  /**
+   * Builds the create payload for a Loans A/C (EMI) product: the Loans steps mapped onto Fineract's core
+   * product fields (so the standard product saves). The Loans-only options that have no core field yet
+   * (eligibility, collateral rules, prepayment, repayment mode, floating reset, register link) stay UI-only
+   * and are not sent — an unknown key would be rejected by checkForUnsupportedParameters.
+   */
+  private assembleLoanProduct(): 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 at = this.loanProductLoanAmountTenureStep.loanProductLoanAmountTenure;
+    const rp = this.loanProductLoanRepaymentStep.loanProductLoanRepayment;
+    const intr = this.loanProductLoanInterestStep.loanProductLoanInterest;
+    const sec = this.loanProductLoanSecurityStep.loanProductLoanSecurity;
+    const pp = this.loanProductLoanPrepaymentStep.loanProductLoanPrepayment;
+    const pn = this.loanProductPenalNpaStep.loanProductPenalNpa;
+
+    const stepper = this.loanProductLoanRepaymentStep;
+    const interestStep = this.loanProductLoanInterestStep;
+    const frequency = stepper.frequencyOptions.find((f) => f.id === rp.frequency)?.fineractId ?? 2;
+    const daysInYear = interestStep.daysInYearOptions.find((o) => o.id === intr.daysInYear)?.fineractId ?? 1;
+    const daysInMonth = interestStep.daysInMonthOptions.find((o) => o.id === intr.daysInMonth)?.fineractId ?? 1;
+
+    const defaultStrategy = this.loanProductsTemplate?.transactionProcessingStrategyOptions?.[0]?.code;
+    const minTenure = num(at.minTenure);
+    const minRate = num(intr.minRate);
+    const multiTranche = at.disbursementType === 'multiple';
+    const moratorium = num(rp.moratoriumMonths);
+
+    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: cur.inMultiplesOf ?? 1,
+
+      // amount -> principal
+      minPrincipal: num(at.minAmount),
+      principal: num(at.defaultAmount) ?? num(at.minAmount),
+      maxPrincipal: num(at.maxAmount),
+
+      // tenure (months) -> number of repayments
+      minNumberOfRepayments: minTenure,
+      numberOfRepayments: num(at.defaultTenure) ?? minTenure,
+      maxNumberOfRepayments: num(at.maxTenure),
+      repaymentEvery: num(rp.repaidEvery) ?? 1,
+      repaymentFrequencyType: frequency,
+      graceOnPrincipalPayment: moratorium && moratorium > 0 ? moratorium : undefined,
+
+      // rate
+      minInterestRatePerPeriod: minRate,
+      interestRatePerPeriod: num(intr.defaultRate) ?? minRate,
+      maxInterestRatePerPeriod: num(intr.maxRate),
+      interestRateFrequencyType: 3, // per year
+
+      // amortization / calculation
+      amortizationType: rp.repaymentType === 'equal_principal' ? 0 : 1, // 0 equal principal, 1 equal installments
+      interestType: intr.calcMethod === 'flat' ? 1 : 0, // 0 declining balance, 1 flat
+      interestCalculationPeriodType: intr.calcPeriod === 'daily' ? 0 : 1, // 0 daily, 1 same as repayment period
+      transactionProcessingStrategyCode: defaultStrategy,
+      daysInYearType: daysInYear,
+      daysInMonthType: daysInMonth,
+      isInterestRecalculationEnabled: false,
+
+      // disbursement
+      multiDisburseLoan: multiTranche,
+      maxTrancheCount: multiTranche ? num(at.maxTranches) : undefined,
+
+      // 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,
+
+      // Details-step satellite params (same whitelist the Advances path uses)
+      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,
+
+      // Loans A/C (EMI) fields kept on the product satellite (same whitelist as the Advances fields)
+      margin: num(sec.margin),
+      ltv: sec.ltv,
+      securityType: sec.securityType,
+      repaymentType: rp.repaymentType,
+      appropriationOrder: rp.appropriationOrder,
+      interestCalcMethod: intr.calcMethod,
+      spread: num(intr.spread),
+      lockInMonths: num(pp.lockInMonths),
+      interestOnPreclosure: pp.interestOnPreclosure,
+      penalApplicable: pn.penalApplicable,
+      penalRate: num(pn.penalRate),
+      penalAppliedOn: pn.penalAppliedOn,
+      penalGraceDays: num(pn.penalGraceDays),
+      npaTrigger: pn.npaTrigger,
+      interestAfterNpa: pn.interestAfterNpa,
+      npaUpgradeOnlyAllArrears: pn.upgradeOnlyAllArrears,
+      npaKeepStandardIfDepositCovers: pn.keepStandardIfDepositCovers,
+      securityMandatory: sec.securityMandatory,
+      guarantorsRequired: num(sec.guarantorsRequired),
+      coApplicant: sec.coApplicant,
+      thirdPartySecurity: sec.thirdPartySecurity,
+      legalOpinionRequired: sec.legalOpinionRequired,
+      propertyInsuranceRequired: sec.propertyInsuranceRequired,
+      registerCharge: sec.registerCharge,
+      releaseSecurityOnClosure: sec.autoReleaseOnClosure,
+      allowMultipleSecurities: sec.allowMultipleSecurities,
+      allowThirdPartyDeposit: sec.allowThirdPartyDeposit,
+      minAge: num(at.minAge),
+      maxAgeAtMaturity: num(at.maxAgeAtMaturity),
+      minCibil: num(at.minCibil),
+      minMonthlyIncome: num(at.minMonthlyIncome),
+      maxFoir: num(at.maxFoir),
+      maxLoansPerCustomer: num(at.maxLoansPerCustomer),
+      disbursementType: at.disbursementType,
+      disbursementMode: at.disbursementMode,
+      undisbursedInterest: at.undisbursedInterest,
+      preEmiInterest: at.preEmiInterest,
+      emiDueDay: rp.emiDueDay,
+      holidayRule: rp.holidayRule,
+      moratoriumMonths: num(rp.moratoriumMonths),
+      moratoriumInterest: rp.moratoriumInterest,
+      variableInstallments: rp.variableInstallments,
+      repaymentMode: rp.repaymentMode,
+      linkedAccountType: rp.linkedAccountType,
+      pdcCollection: rp.pdcCollection,
+      mandateRequired: rp.mandateRequired,
+      advanceEmi: rp.advanceEmi,
+      rateType: intr.interestType,
+      registerParticular: intr.registerParticular,
+      applyCibilAdjustment: intr.applyCibilAdjustment,
+      rateResolvedAt: intr.rateResolvedAt,
+      calcPeriod: intr.calcPeriod,
+      interestStartsFrom: intr.interestStartsFrom,
+      compounding: intr.compounding,
+      benchmark: intr.benchmark,
+      resetFrequency: intr.resetFrequency,
+      resetChange: intr.resetChange,
+      partPrepaymentAllowed: pp.partPrepaymentAllowed,
+      minPartPayment: num(pp.minPartPayment),
+      allowedOn: pp.allowedOn,
+      partPaymentsPerYear: pp.partPaymentsPerYear,
+      partPrepaymentMode: pp.partPrepaymentMode,
+      foreclosureFloatingIndividual: num(pp.foreclosureFloatingIndividual),
+      foreclosureFixedIndividual: num(pp.foreclosureFixedIndividual),
+      foreclosureNonIndividual: num(pp.foreclosureNonIndividual),
+      foreclosureTakeover: num(pp.foreclosureTakeover),
+      foreclosureQuoteValidDays: num(pp.foreclosureQuoteValidDays),
+      autoCloseOnZeroBalance: pp.autoCloseOnZeroBalance,
+      nocLetter: pp.nocLetter,
+      restructuring: pp.restructuring,
+      releaseCollateralOnClosure: pp.releaseCollateralOnClosure,
+      topUpAllowed: pp.topUpAllowed,
+      balanceTransferOutAllowed: pp.balanceTransferOutAllowed
+    };
+
+    // Drop undefined keys so we never send an unresolved value.
+    Object.keys(payload).forEach((k) => payload[k] === undefined && delete payload[k]);
+    return payload;
+  }
+
+  /**
+   * 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,
+      // A deposit-linked row ("1% + FD") has no plain minimum or maximum, so the register step supplies the default.
+      interestRatePerPeriod: num(intr.defaultRate) ?? 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,
+      registerParticular: intr.registerParticular || undefined,
+      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() {

src/app/products/loan-products/loan-product-stepper/advance-steps.scss

@@ -0,0 +1,216 @@
+/**
+ * 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;
+}
+
+/* Read-only reference tables (Loans A/C steps): collateral rules, foreclosure charges. */
+.adv-table {
+  width: 100%;
+  border-collapse: collapse;
+
+  th {
+    text-align: left;
+    font-size: 12px;
+    font-weight: 600;
+    letter-spacing: 0.05em;
+    text-transform: uppercase;
+    color: #475569;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $border;
+  }
+
+  td {
+    font-size: 14px;
+    padding: 10px 24px;
+    border-bottom: 1px solid #eef2f6;
+    color: #1e293b;
+  }
+
+  .adv-table__no {
+    color: #94a3b8;
+  }
+
+  .adv-table__yes {
+    color: #047857;
+    font-weight: 600;
+  }
+}
+
+.adv-type-options--3 {
+  grid-template-columns: repeat(3, 1fr);
+
+  @media (width <= 900px) {
+    grid-template-columns: 1fr;
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-advance-interest-step/loan-product-advance-interest-step.component.html

@@ -0,0 +1,98 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductAdvanceInterestForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-percent"></i>
+      <h3>Rate</h3>
+      <span class="adv-section__hint">Taken from the Loan Interest Rate Register</span>
+    </div>
+    <div style="padding: 16px 0 8px">
+      <mifosx-register-rate-view
+        [productSubType]="productSubType"
+        [glAccountId]="glAccountId"
+        (selectionChange)="onRegisterSelection($event)"
+      ></mifosx-register-rate-view>
+    </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>

src/app/products/loan-products/loan-product-stepper/loan-product-advance-interest-step/loan-product-advance-interest-step.component.ts

@@ -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/.
+ */
+
+import { Component, Input, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RegisterRateSelection, RegisterRateViewComponent } from '../register-rate-view/register-rate-view.component';
+
+/**
+ * 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,
+    RegisterRateViewComponent
+  ]
+})
+export class LoanProductAdvanceInterestStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductAdvanceInterestForm: UntypedFormGroup;
+
+  /** Sub type and GL account picked on the Details step; they choose the Loan Interest Rate Register row. */
+  @Input() productSubType = '';
+  @Input() glAccountId: number | string | null = null;
+
+  /** The register row the product takes its rate from; null while the register has no row for it. */
+  registerSelection: RegisterRateSelection | null = null;
+
+  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)
+        ]
+      ],
+      // Filled from the register row; never typed in.
+      minRate: [''],
+      maxRate: [''],
+      defaultRate: [''],
+      // The rate comes from the Loan Interest Rate Register, so a product with no register row cannot be created.
+      registerParticular: [
+        '',
+        Validators.required
+      ],
+      calcMethod: ['daily'],
+      daysInYear: ['Actual (365 / 366)'],
+      daysInMonth: ['Actual'],
+      interestChargedOn: ['utilised'],
+      interestOnCreditBalance: ['NO'],
+      postingFrequency: ['Monthly'],
+      postingDay: ['Last day of month']
+    });
+  }
+
+  /**
+   * The register row decides the rate. A row of plain rates fixes the minimum and maximum; a deposit row
+   * ("1% + FD") is the deposit rate plus a spread, which has no plain minimum or maximum. With no row for the
+   * product the register particular stays empty, which keeps this step, and so the whole product, invalid until
+   * the product has been added to the register.
+   */
+  onRegisterSelection(selection: RegisterRateSelection | null): void {
+    this.registerSelection = selection;
+    const form = this.loanProductAdvanceInterestForm;
+    if (selection) {
+      form.patchValue(
+        {
+          interestBasis: selection.isFormula ? 'deposit_spread' : 'fixed',
+          spread: selection.isFormula ? selection.minSpread : 0,
+          minRate: selection.minRate ?? '',
+          maxRate: selection.maxRate ?? '',
+          defaultRate: selection.defaultRate ?? '',
+          registerParticular: selection.particular
+        },
+        { emitEvent: false }
+      );
+    } else {
+      form.patchValue({ minRate: '', maxRate: '', defaultRate: '', registerParticular: '' }, { emitEvent: false });
+    }
+    form.updateValueAndValidity({ emitEvent: false });
+  }
+
+  get showSpread(): boolean {
+    return this.loanProductAdvanceInterestForm.get('interestBasis').value === 'deposit_spread';
+  }
+
+  get loanProductAdvanceInterest() {
+    return this.loanProductAdvanceInterestForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component.html

@@ -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>

src/app/products/loan-products/loan-product-stepper/loan-product-advance-limit-tenure-step/loan-product-advance-limit-tenure-step.component.ts

@@ -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 });
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-cheque-book-step/loan-product-cheque-book-step.component.html

@@ -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>

src/app/products/loan-products/loan-product-stepper/loan-product-cheque-book-step/loan-product-cheque-book-step.component.ts

@@ -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();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.html

@@ -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>

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.scss

@@ -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 {

src/app/products/loan-products/loan-product-stepper/loan-product-details-step/loan-product-details-step.component.ts

@@ -15,7 +15,9 @@ 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';
+import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS } from '../../loan-product-types';
 
 @Component({
   selector: 'mifosx-loan-product-details-step',
@@ -24,7 +26,9 @@ 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 +43,14 @@ 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 +62,133 @@ 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 */
-  readonly productTypeGroups = [
-    { id: 'loans', label: 'Loan' },
-    { id: 'advanced', label: 'Advanced' }
+  /** 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. */
+  /** Category and type lists are shared with the product list and the loan account product picker. */
+  readonly productTypeGroups = PRODUCT_TYPE_GROUPS;
+
+  readonly productTypeSubGroups = PRODUCT_SUB_TYPES;
+
+  /** 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 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' }
-    ],
-    advanced: [
-      { id: 'fd', label: 'FD (Fixed Deposit)' },
-      { id: 'rd', label: 'RD (Recurring Deposit)' }
-    ]
-  };
+  readonly prioritySectorOptions = [
+    { id: 'yes', label: 'Yes' },
+    { id: 'no', label: 'No' }
+  ];
 
-  /** Default GL per product type group */
-  private readonly glDefaultMap: Record<string, string> = {
-    loans: 'asset',
-    advanced: 'asset'
-  };
+  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 +205,26 @@ 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);
+      }
     });
   }
 

src/app/products/loan-products/loan-product-stepper/loan-product-loan-amount-tenure-step/loan-product-loan-amount-tenure-step.component.html

@@ -0,0 +1,150 @@
+<!--
+  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]="loanProductLoanAmountTenureForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-coins"></i>
+      <h3>Loan Amount</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Amount (₹)</mat-label>
+        <input matInput type="number" formControlName="minAmount" min="0" required />
+        <mat-error>Minimum Amount is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Default Amount (₹)</mat-label>
+        <input matInput type="number" formControlName="defaultAmount" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Amount (₹)</mat-label>
+        <input matInput type="number" formControlName="maxAmount" min="0" required />
+        <mat-error>Maximum Amount is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+    <div style="padding: 0 24px 20px">
+      <div class="adv-info">
+        Each loan is sanctioned within these bounds. The amount is fixed at sanction. It is not a limit that can be
+        drawn and repaid again.
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-clock"></i>
+      <h3>Tenure</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="1" required />
+        <mat-error>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="1" />
+      </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="1" required />
+        <mat-hint>Age at maturity cap comes from Borrower Eligibility below</mat-hint>
+        <mat-error>Maximum Tenure is <strong>required</strong></mat-error>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-user"></i>
+      <h3>Borrower Eligibility</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Age (years)</mat-label>
+        <input matInput type="number" formControlName="minAge" min="18" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Age at Maturity (years)</mat-label>
+        <input matInput type="number" formControlName="maxAgeAtMaturity" min="18" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum CIBIL Score</mat-label>
+        <input matInput type="number" formControlName="minCibil" min="300" max="900" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Monthly Income (₹)</mat-label>
+        <input matInput type="number" formControlName="minMonthlyIncome" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum FOIR / DBR (%)</mat-label>
+        <input matInput type="number" formControlName="maxFoir" min="0" max="100" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum Loans per Customer</mat-label>
+        <input matInput type="number" formControlName="maxLoansPerCustomer" min="1" />
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-arrow-right"></i>
+      <h3>Disbursement</h3>
+    </div>
+    <mat-radio-group formControlName="disbursementType" class="adv-type-options">
+      <mat-radio-button value="single" class="adv-type-option">
+        <span class="adv-type-option__label">Single disbursement</span>
+        <span class="adv-type-option__hint">Full amount paid out once.</span>
+      </mat-radio-button>
+      <mat-radio-button value="multiple" class="adv-type-option">
+        <span class="adv-type-option__label">Multiple tranches</span>
+        <span class="adv-type-option__hint">Paid out in stages, for example as construction progresses.</span>
+      </mat-radio-button>
+    </mat-radio-group>
+    <div class="adv-grid adv-grid--3">
+      @if (isMultiTranche) {
+        <mat-form-field appearance="outline" class="adv-field">
+          <mat-label>Maximum Tranches</mat-label>
+          <input matInput type="number" formControlName="maxTranches" min="2" />
+          <mat-error>At least <strong>2</strong> tranches</mat-error>
+        </mat-form-field>
+      }
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Disbursement Mode</mat-label>
+        <mat-select formControlName="disbursementMode">
+          @for (opt of disbursementModeOptions; 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 Undisbursed Amount</mat-label>
+        <mat-select formControlName="undisbursedInterest">
+          @for (opt of undisbursedInterestOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+    <div class="adv-subsection">
+      <mat-checkbox formControlName="preEmiInterest">
+        Pre-EMI interest is charged on each disbursed tranche until the first full EMI
+      </mat-checkbox>
+    </div>
+  </div>
+
+  <div class="adv-note">
+    <i class="fas fa-info-circle"></i>
+    <span>
+      <strong>Hidden for Loans A/C:</strong> Facility Type (Demand / Overdraft), Drawing power, Limit renewal, Cheque
+      book.
+    </span>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-loan-amount-tenure-step/loan-product-loan-amount-tenure-step.component.ts

@@ -0,0 +1,106 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Amount & Tenure step for a Loans A/C (EMI) product (step 4): fixed sanctioned amount, tenure,
+ * borrower eligibility and disbursement. Amount, tenure and tranches feed Fineract's core product
+ * fields; eligibility is UI-only for now.
+ */
+@Component({
+  selector: 'mifosx-loan-product-loan-amount-tenure-step',
+  templateUrl: './loan-product-loan-amount-tenure-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox,
+    MatRadioGroup,
+    MatRadioButton
+  ]
+})
+export class LoanProductLoanAmountTenureStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductLoanAmountTenureForm: UntypedFormGroup;
+
+  readonly disbursementModeOptions = [
+    { id: 'transfer_dd_vendor', label: 'Transfer to A/C, DD, Direct to vendor' },
+    { id: 'transfer', label: 'Transfer to A/C only' },
+    { id: 'dd', label: 'Demand draft only' }
+  ];
+
+  readonly undisbursedInterestOptions = [
+    { id: 'none', label: 'None — interest only on disbursed' },
+    { id: 'commitment', label: 'Commitment charge on undisbursed' }
+  ];
+
+  constructor() {
+    this.loanProductLoanAmountTenureForm = this.formBuilder.group({
+      minAmount: [
+        '',
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      defaultAmount: [''],
+      maxAmount: [
+        '',
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      minTenure: [
+        12,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      defaultTenure: [
+        '',
+        Validators.min(1)
+      ],
+      maxTenure: [
+        360,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      minAge: [21],
+      maxAgeAtMaturity: [70],
+      minCibil: [650],
+      minMonthlyIncome: [''],
+      maxFoir: [50],
+      maxLoansPerCustomer: [1],
+      disbursementType: ['single'],
+      maxTranches: [
+        2,
+        Validators.min(2)
+      ],
+      disbursementMode: ['transfer_dd_vendor'],
+      undisbursedInterest: ['none'],
+      preEmiInterest: [true]
+    });
+  }
+
+  get isMultiTranche(): boolean {
+    return this.loanProductLoanAmountTenureForm.get('disbursementType').value === 'multiple';
+  }
+
+  get loanProductLoanAmountTenure() {
+    return this.loanProductLoanAmountTenureForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-loan-interest-step/loan-product-loan-interest-step.component.html

@@ -0,0 +1,161 @@
+<!--
+  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]="loanProductLoanInterestForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-percent"></i>
+      <h3>Interest Type</h3>
+    </div>
+    <mat-radio-group formControlName="interestType" class="adv-type-options adv-type-options--3">
+      <mat-radio-button value="fixed" class="adv-type-option">
+        <span class="adv-type-option__label">Fixed</span>
+        <span class="adv-type-option__hint">Same rate for the whole tenure</span>
+      </mat-radio-button>
+      <mat-radio-button value="floating" class="adv-type-option">
+        <span class="adv-type-option__label">Floating</span>
+        <span class="adv-type-option__hint">Linked to a benchmark; resets periodically</span>
+      </mat-radio-button>
+      <mat-radio-button value="hybrid" class="adv-type-option">
+        <span class="adv-type-option__label">Hybrid</span>
+        <span class="adv-type-option__hint">Fixed for a period, then floating</span>
+      </mat-radio-button>
+    </mat-radio-group>
+    <div style="height: 20px"></div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-table-cells"></i>
+      <h3>Rate Source</h3>
+      <span class="adv-section__hint">Centralised — changes flow to all loans on this product</span>
+    </div>
+    <div style="padding: 16px 0 8px">
+      <mifosx-register-rate-view
+        [productSubType]="productSubType"
+        [glAccountId]="glAccountId"
+        (selectionChange)="onRegisterSelection($event)"
+      ></mifosx-register-rate-view>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Apply CIBIL Adjustment</mat-label>
+        <mat-select formControlName="applyCibilAdjustment">
+          @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>Spread over Register Rate (%)</mat-label>
+        <input matInput type="number" formControlName="spread" min="0" max="20" step="0.01" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Rate Resolved At</mat-label>
+        <mat-select formControlName="rateResolvedAt">
+          @for (opt of rateResolvedAtOptions; 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-chart-simple"></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.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 Month</mat-label>
+        <mat-select formControlName="daysInMonth">
+          @for (opt of daysInMonthOptions; 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>Calculation Period</mat-label>
+        <mat-select formControlName="calcPeriod">
+          @for (opt of calcPeriodOptions; 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 Starts From</mat-label>
+        <mat-select formControlName="interestStartsFrom">
+          @for (opt of interestStartOptions; 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>Compounding</mat-label>
+        <mat-select formControlName="compounding">
+          @for (opt of compoundingOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+
+  @if (isFloatingOrHybrid) {
+    <div class="adv-section">
+      <div class="adv-section__header">
+        <i class="fas fa-rotate"></i>
+        <h3>Floating Rate Reset</h3>
+        <span class="adv-section__hint">Shown only when the type is Floating or Hybrid</span>
+      </div>
+      <div class="adv-grid adv-grid--3">
+        <mat-form-field appearance="outline" class="adv-field">
+          <mat-label>Benchmark</mat-label>
+          <mat-select formControlName="benchmark">
+            @for (opt of benchmarkOptions; 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>Reset Frequency</mat-label>
+          <mat-select formControlName="resetFrequency">
+            @for (opt of resetFrequencyOptions; 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>On Reset, Change</mat-label>
+          <mat-select formControlName="resetChange">
+            @for (opt of resetChangeOptions; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
+    </div>
+  }
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-loan-interest-step/loan-product-loan-interest-step.component.ts

@@ -0,0 +1,188 @@
+/**
+ * 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 } from '@angular/forms';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RegisterRateSelection, RegisterRateViewComponent } from '../register-rate-view/register-rate-view.component';
+
+/**
+ * Interest step for a Loans A/C (EMI) product (step 6). The rate normally comes from the central
+ * Loan Interest Rate Register (amount slab + CIBIL adjustment); the min / default / max rate and the
+ * calculation method feed Fineract's core product fields. Register link, spread and floating reset
+ * are UI-only for now.
+ */
+@Component({
+  selector: 'mifosx-loan-product-loan-interest-step',
+  templateUrl: './loan-product-loan-interest-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatRadioGroup,
+    MatRadioButton,
+    RegisterRateViewComponent
+  ]
+})
+export class LoanProductLoanInterestStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductLoanInterestForm: UntypedFormGroup;
+
+  /** Sub type and GL account picked on the Details step; they choose the Loan Interest Rate Register row. */
+  @Input() productSubType = '';
+  @Input() glAccountId: number | string | null = null;
+
+  /** The register row the product takes its rate from; null while the register has no row for it. */
+  registerSelection: RegisterRateSelection | null = null;
+
+  /** The 16 default particulars of the Loan Interest Rate Register. */
+  readonly registerParticulars = [
+    'Housing Loan (Purchase/Construction)',
+    'Home Repair/Renovation',
+    'Personal Loan (Unsecured)',
+    'Personal Loan (Secured/Property)',
+    'Two Wheeler Loan',
+    'Car Loan (New)',
+    'Used Car/Vehicle Loan',
+    'Commercial Vehicle Loan',
+    'Gold Loan',
+    'Business Term Loan',
+    'Machinery & Equipment Loan',
+    'Cash Credit',
+    'Overdraft',
+    'Agriculture Loan',
+    'Loan against FDR',
+    'Loan against RD'
+  ];
+
+  readonly yesNoOptions = [
+    'YES',
+    'NO'
+  ];
+
+  readonly rateResolvedAtOptions = [
+    { id: 'sanction', label: 'Sanction' },
+    { id: 'disbursement', label: 'First disbursement' }
+  ];
+
+  readonly calcMethodOptions = [
+    { id: 'declining', label: 'Declining Balance' },
+    { id: 'flat', label: 'Flat' }
+  ];
+
+  /** `fineractId` maps to Fineract's daysInYearType (1 = actual). */
+  readonly daysInYearOptions = [
+    { id: 'actual', label: 'Actual (365 / 366)', fineractId: 1 },
+    { id: '365', label: '365', fineractId: 365 },
+    { id: '360', label: '360', fineractId: 360 }
+  ];
+
+  /** `fineractId` maps to Fineract's daysInMonthType (1 = actual). */
+  readonly daysInMonthOptions = [
+    { id: 'actual', label: 'Actual', fineractId: 1 },
+    { id: '30', label: '30', fineractId: 30 }
+  ];
+
+  readonly calcPeriodOptions = [
+    { id: 'same', label: 'Same as repayment period' },
+    { id: 'daily', label: 'Daily' }
+  ];
+
+  readonly interestStartOptions = [
+    { id: 'disbursement', label: 'Disbursement date' },
+    { id: 'first_emi', label: 'First EMI date' }
+  ];
+
+  readonly compoundingOptions = [
+    { id: 'none', label: 'None (simple on outstanding)' },
+    { id: 'monthly', label: 'Monthly' }
+  ];
+
+  readonly benchmarkOptions = [
+    { id: 'repo', label: 'Repo / MCLR / Bank base rate' },
+    { id: 'eblr', label: 'External benchmark (EBLR)' }
+  ];
+
+  readonly resetFrequencyOptions = [
+    { id: 'quarterly', label: 'Quarterly' },
+    { id: 'half_yearly', label: 'Half-yearly' },
+    { id: 'yearly', label: 'Yearly' }
+  ];
+
+  readonly resetChangeOptions = [
+    { id: 'tenure', label: 'Tenure (EMI stays constant)' },
+    { id: 'emi', label: 'EMI (tenure stays constant)' }
+  ];
+
+  constructor() {
+    this.loanProductLoanInterestForm = this.formBuilder.group({
+      interestType: ['fixed'],
+      // The rate comes from the Loan Interest Rate Register, so a product with no register row cannot be created.
+      registerParticular: [
+        '',
+        Validators.required
+      ],
+      applyCibilAdjustment: ['YES'],
+      spread: [
+        0,
+        [
+          Validators.min(0),
+          Validators.max(20)
+        ]
+      ],
+      rateResolvedAt: ['sanction'],
+      // Filled from the register row; never typed in.
+      minRate: [''],
+      defaultRate: [''],
+      maxRate: [''],
+      calcMethod: ['declining'],
+      daysInYear: ['actual'],
+      daysInMonth: ['actual'],
+      calcPeriod: ['same'],
+      interestStartsFrom: ['disbursement'],
+      compounding: ['none'],
+      benchmark: ['repo'],
+      resetFrequency: ['quarterly'],
+      resetChange: ['tenure']
+    });
+  }
+
+  /**
+   * The register row decides the rate limits. With no row for the product the register particular stays empty,
+   * which keeps this step, and so the whole product, invalid until the product has been added to the register.
+   */
+  onRegisterSelection(selection: RegisterRateSelection | null): void {
+    this.registerSelection = selection;
+    const form = this.loanProductLoanInterestForm;
+    if (selection) {
+      form.patchValue(
+        {
+          registerParticular: selection.particular,
+          minRate: selection.minRate ?? '',
+          maxRate: selection.maxRate ?? '',
+          defaultRate: selection.defaultRate ?? ''
+        },
+        { emitEvent: false }
+      );
+    } else {
+      form.patchValue({ registerParticular: '', minRate: '', maxRate: '', defaultRate: '' }, { emitEvent: false });
+    }
+    form.updateValueAndValidity({ emitEvent: false });
+  }
+
+  /** Reset options only apply to a floating or hybrid rate. */
+  get isFloatingOrHybrid(): boolean {
+    const type = this.loanProductLoanInterestForm.get('interestType').value;
+    return type === 'floating' || type === 'hybrid';
+  }
+
+  get loanProductLoanInterest() {
+    return this.loanProductLoanInterestForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-loan-prepayment-step/loan-product-loan-prepayment-step.component.html

@@ -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]="loanProductLoanPrepaymentForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-arrow-down"></i>
+      <h3>Part-prepayment</h3>
+    </div>
+    <div class="adv-subsection">
+      <mat-checkbox formControlName="partPrepaymentAllowed">Part-prepayment allowed</mat-checkbox>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Minimum Part-payment (₹)</mat-label>
+        <input matInput type="number" formControlName="minPartPayment" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Allowed Only On</mat-label>
+        <mat-select formControlName="allowedOn">
+          @for (opt of allowedOnOptions; 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>Part-payments per Year</mat-label>
+        <mat-select formControlName="partPaymentsPerYear">
+          @for (opt of perYearOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+    <mat-radio-group formControlName="partPrepaymentMode" class="adv-type-options adv-type-options--3">
+      <mat-radio-button value="reduce_tenure" class="adv-type-option">
+        <span class="adv-type-option__label">Reduce tenure</span>
+        <span class="adv-type-option__hint">EMI stays the same</span>
+      </mat-radio-button>
+      <mat-radio-button value="reduce_emi" class="adv-type-option">
+        <span class="adv-type-option__label">Reduce EMI</span>
+        <span class="adv-type-option__hint">Tenure stays the same</span>
+      </mat-radio-button>
+      <mat-radio-button value="borrower_chooses" class="adv-type-option">
+        <span class="adv-type-option__label">Borrower chooses</span>
+        <span class="adv-type-option__hint">Picked at payment time</span>
+      </mat-radio-button>
+    </mat-radio-group>
+    <div style="height: 20px"></div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-lock"></i>
+      <h3>Pre-closure (Foreclosure)</h3>
+      <span class="adv-section__hint">Charge on outstanding principal</span>
+    </div>
+    <div class="adv-grid">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Individual · floating rate (%)</mat-label>
+        <input matInput type="number" formControlName="foreclosureFloatingIndividual" min="0" max="100" step="0.01" />
+        <mat-hint>Nil as per RBI</mat-hint>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Individual · fixed rate (%)</mat-label>
+        <input matInput type="number" formControlName="foreclosureFixedIndividual" min="0" max="100" step="0.01" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Non-individual / business (%)</mat-label>
+        <input matInput type="number" formControlName="foreclosureNonIndividual" min="0" max="100" step="0.01" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Takeover by another bank (%)</mat-label>
+        <input matInput type="number" formControlName="foreclosureTakeover" min="0" max="100" step="0.01" />
+      </mat-form-field>
+    </div>
+    <div class="adv-grid adv-grid--3" style="padding-top: 0">
+      <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 interestOnPreclosureOptions; 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>Foreclosure Quote Valid (days)</mat-label>
+        <input matInput type="number" formControlName="foreclosureQuoteValidDays" min="1" />
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-flag-checkered"></i>
+      <h3>Closure &amp; Restructuring</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Auto-close on Zero Balance</mat-label>
+        <mat-select formControlName="autoCloseOnZeroBalance">
+          @for (opt of autoCloseOptions; track opt) {
+            <mat-option [value]="opt">{{ opt }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>NOC / Closure Letter</mat-label>
+        <mat-select formControlName="nocLetter">
+          @for (opt of nocOptions; 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>Restructuring / Re-schedule</mat-label>
+        <mat-select formControlName="restructuring">
+          @for (opt of restructuringOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+    <div class="adv-subsection">
+      <div class="adv-checks">
+        <mat-checkbox formControlName="releaseCollateralOnClosure">Release collateral and lien on closure</mat-checkbox>
+        <mat-checkbox formControlName="topUpAllowed">Top-up loan on the same account</mat-checkbox>
+        <mat-checkbox formControlName="balanceTransferOutAllowed">Allow balance transfer (takeover) out</mat-checkbox>
+      </div>
+    </div>
+    <div style="padding: 0 24px 20px">
+      <div class="adv-info">Unlike an Advance, there is no renewal. A loan ends at maturity or on pre-closure.</div>
+    </div>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-loan-prepayment-step/loan-product-loan-prepayment-step.component.ts

@@ -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/.
+ */
+
+import { Component, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Prepayment & Closure step for a Loans A/C (EMI) product (step 8). A loan has no renewal; it ends at
+ * maturity or on pre-closure. UI-only for now: not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-loan-prepayment-step',
+  templateUrl: './loan-product-loan-prepayment-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox,
+    MatRadioGroup,
+    MatRadioButton
+  ]
+})
+export class LoanProductLoanPrepaymentStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductLoanPrepaymentForm: UntypedFormGroup;
+
+  readonly allowedOnOptions = [
+    { id: 'emi_date', label: 'EMI due date' },
+    { id: 'any_day', label: 'Any day' }
+  ];
+
+  readonly perYearOptions = [
+    { id: 'unlimited', label: 'Unlimited' },
+    { id: 'one', label: 'Once a year' },
+    { id: 'two', label: 'Twice a year' }
+  ];
+
+  readonly interestOnPreclosureOptions = [
+    { id: 'till_date', label: 'Till date of payment' },
+    { id: 'full_month', label: 'Full current month' }
+  ];
+
+  readonly autoCloseOptions = [
+    'YES',
+    'NO'
+  ];
+
+  readonly nocOptions = [
+    { id: 'auto', label: 'Auto-generate' },
+    { id: 'manual', label: 'On request' }
+  ];
+
+  readonly restructuringOptions = [
+    { id: 'approval', label: 'Allowed with approval' },
+    { id: 'no', label: 'Not allowed' }
+  ];
+
+  constructor() {
+    const percent = [
+      Validators.min(0),
+      Validators.max(100)
+    ];
+    this.loanProductLoanPrepaymentForm = this.formBuilder.group({
+      partPrepaymentAllowed: [true],
+      minPartPayment: [
+        '',
+        Validators.min(0)
+      ],
+      allowedOn: ['emi_date'],
+      partPaymentsPerYear: ['unlimited'],
+      partPrepaymentMode: ['reduce_tenure'],
+      foreclosureFloatingIndividual: [
+        0,
+        percent
+      ],
+      foreclosureFixedIndividual: [
+        2,
+        percent
+      ],
+      foreclosureNonIndividual: [
+        3,
+        percent
+      ],
+      foreclosureTakeover: [
+        2,
+        percent
+      ],
+      lockInMonths: [
+        0,
+        Validators.min(0)
+      ],
+      interestOnPreclosure: ['till_date'],
+      foreclosureQuoteValidDays: [
+        7,
+        Validators.min(1)
+      ],
+      autoCloseOnZeroBalance: ['YES'],
+      nocLetter: ['auto'],
+      restructuring: ['approval'],
+      releaseCollateralOnClosure: [true],
+      topUpAllowed: [false],
+      balanceTransferOutAllowed: [true]
+    });
+  }
+
+  get loanProductLoanPrepayment() {
+    return this.loanProductLoanPrepaymentForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-loan-repayment-step/loan-product-loan-repayment-step.component.html

@@ -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]="loanProductLoanRepaymentForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-wave-square"></i>
+      <h3>Repayment Type</h3>
+    </div>
+    <mat-radio-group formControlName="repaymentType" class="adv-type-options adv-type-options--3">
+      @for (opt of repaymentTypeOptions; track opt.id) {
+        <mat-radio-button [value]="opt.id" class="adv-type-option">
+          <span class="adv-type-option__label">{{ opt.label }}</span>
+          <span class="adv-type-option__hint">{{ opt.hint }}</span>
+        </mat-radio-button>
+      }
+    </mat-radio-group>
+    <div style="padding: 16px 24px 20px">
+      <div class="adv-info">
+        This is the main difference from an Advance. Repayment follows a fixed schedule, not a running balance.
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-calendar-alt"></i>
+      <h3>Schedule</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Repaid Every</mat-label>
+        <input matInput type="number" formControlName="repaidEvery" min="1" required />
+        <mat-error>Repaid Every is <strong>required</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Frequency</mat-label>
+        <mat-select formControlName="frequency">
+          @for (opt of frequencyOptions; 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>Minimum Days to First Repayment</mat-label>
+        <input matInput type="number" formControlName="minDaysToFirstRepayment" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>EMI Due Day</mat-label>
+        <mat-select formControlName="emiDueDay">
+          @for (opt of emiDueDayOptions; 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>If Due Date is a Holiday</mat-label>
+        <mat-select formControlName="holidayRule">
+          @for (opt of holidayRuleOptions; 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>Moratorium / Grace (months)</mat-label>
+        <input matInput type="number" formControlName="moratoriumMonths" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Interest during Moratorium</mat-label>
+        <mat-select formControlName="moratoriumInterest">
+          @for (opt of moratoriumInterestOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+    <div class="adv-subsection">
+      <mat-checkbox formControlName="variableInstallments">Variable installments allowed</mat-checkbox>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-money-check"></i>
+      <h3>Repayment Mode</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Repayment Mode</mat-label>
+        <mat-select formControlName="repaymentMode">
+          @for (opt of repaymentModeOptions; 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>Linked Account Type</mat-label>
+        <mat-select formControlName="linkedAccountType">
+          @for (opt of linkedAccountOptions; 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>PDC Collection</mat-label>
+        <mat-select formControlName="pdcCollection">
+          @for (opt of pdcOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+    <div class="adv-subsection">
+      <mat-checkbox formControlName="mandateRequired">
+        Mandate registration is required before the first disbursement
+      </mat-checkbox>
+    </div>
+    <div style="padding: 0 24px 20px">
+      <div class="adv-info">
+        Cheques are used here to repay the EMI as post-dated cheques, not to withdraw from the loan. A cheque book is
+        therefore not part of a Loan A/C.
+      </div>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-list-ol"></i>
+      <h3>Appropriation Order</h3>
+    </div>
+    <div class="adv-grid">
+      <mat-form-field appearance="outline" class="adv-field">
+        <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>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Advance EMI Payment</mat-label>
+        <mat-select formControlName="advanceEmi">
+          @for (opt of advanceEmiOptions; track opt.id) {
+            <mat-option [value]="opt.id">{{ opt.label }}</mat-option>
+          }
+        </mat-select>
+      </mat-form-field>
+    </div>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-loan-repayment-step/loan-product-loan-repayment-step.component.ts

@@ -0,0 +1,129 @@
+/**
+ * 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 } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { MatRadioButton, MatRadioGroup } from '@angular/material/radio';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Repayment & EMI step for a Loans A/C (EMI) product (step 5) — the step an Advance does not have.
+ * Repayment type and frequency feed Fineract's core product fields; the repayment mode and the
+ * rest of the schedule options are UI-only for now.
+ */
+@Component({
+  selector: 'mifosx-loan-product-loan-repayment-step',
+  templateUrl: './loan-product-loan-repayment-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox,
+    MatRadioGroup,
+    MatRadioButton
+  ]
+})
+export class LoanProductLoanRepaymentStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductLoanRepaymentForm: UntypedFormGroup;
+
+  readonly repaymentTypeOptions = [
+    { id: 'emi', label: 'EMI', hint: 'Reducing balance, equal instalments' },
+    { id: 'equal_principal', label: 'Equal principal', hint: 'Falling instalments' },
+    { id: 'flat', label: 'Flat rate', hint: 'Interest on original amount' },
+    { id: 'bullet', label: 'Bullet', hint: 'Pay everything at maturity' },
+    { id: 'step', label: 'Step-up / Balloon', hint: 'Custom schedule' }
+  ];
+
+  /** `fineractId` is Fineract's repaymentFrequencyType (0 days, 1 weeks, 2 months). */
+  readonly frequencyOptions = [
+    { id: 'months', label: 'Months', fineractId: 2 },
+    { id: 'weeks', label: 'Weeks', fineractId: 1 },
+    { id: 'days', label: 'Days', fineractId: 0 }
+  ];
+
+  readonly emiDueDayOptions = [
+    { id: 'disbursement_day', label: 'Same day as disbursement' },
+    { id: 'fixed_day', label: 'Fixed day of month (5th)' }
+  ];
+
+  readonly holidayRuleOptions = [
+    { id: 'next', label: 'Next working day' },
+    { id: 'previous', label: 'Previous working day' },
+    { id: 'same', label: 'Same day' }
+  ];
+
+  readonly moratoriumInterestOptions = [
+    { id: 'pre_emi', label: 'Pay monthly (Pre-EMI)' },
+    { id: 'capitalise', label: 'Capitalise into loan' }
+  ];
+
+  readonly repaymentModeOptions = [
+    { id: 'nach', label: 'Auto-debit (NACH / ECS)' },
+    { id: 'pdc', label: 'Post-dated cheques (PDC)' },
+    { id: 'cash', label: 'Cash / transfer at branch' }
+  ];
+
+  readonly linkedAccountOptions = [
+    { id: 'savings_current', label: 'Savings / Current' },
+    { id: 'savings', label: 'Savings only' }
+  ];
+
+  readonly pdcOptions = [
+    { id: 'mandatory', label: 'Mandatory — 3 cheques' },
+    { id: 'optional', label: 'Optional' },
+    { id: 'none', label: 'Not collected' }
+  ];
+
+  readonly appropriationOrderOptions = [
+    { id: 'charges_penal_interest_principal', label: 'Charges → Penal → Interest → Principal' },
+    { id: 'principal_interest_penal_charges', label: 'Principal → Interest → Penal → Charges' }
+  ];
+
+  readonly advanceEmiOptions = [
+    { id: 'adjust_next', label: 'Allowed — adjust next EMI' },
+    { id: 'not_allowed', label: 'Not allowed' }
+  ];
+
+  constructor() {
+    this.loanProductLoanRepaymentForm = this.formBuilder.group({
+      repaymentType: ['emi'],
+      repaidEvery: [
+        1,
+        [
+          Validators.required,
+          Validators.min(1)
+        ]
+      ],
+      frequency: ['months'],
+      minDaysToFirstRepayment: [
+        '',
+        Validators.min(0)
+      ],
+      emiDueDay: ['fixed_day'],
+      holidayRule: ['next'],
+      moratoriumMonths: [
+        0,
+        Validators.min(0)
+      ],
+      moratoriumInterest: ['pre_emi'],
+      variableInstallments: [false],
+      repaymentMode: ['nach'],
+      linkedAccountType: ['savings_current'],
+      pdcCollection: ['mandatory'],
+      mandateRequired: [true],
+      appropriationOrder: ['charges_penal_interest_principal'],
+      advanceEmi: ['adjust_next']
+    });
+  }
+
+  get loanProductLoanRepayment() {
+    return this.loanProductLoanRepaymentForm.getRawValue();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-loan-security-step/loan-product-loan-security-step.component.html

@@ -0,0 +1,130 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<form [formGroup]="loanProductLoanSecurityForm">
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-shield-alt"></i>
+      <h3>Security</h3>
+    </div>
+    <div class="adv-grid">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Security Type</mat-label>
+        <input matInput formControlName="securityType" readonly />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Security Mandatory</mat-label>
+        <mat-select formControlName="securityMandatory">
+          @for (opt of securityMandatoryOptions; 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>Margin (%)</mat-label>
+        <input matInput type="number" formControlName="margin" min="0" max="100" step="0.01" required />
+        <mat-error>Margin must be between <strong>0 and 100</strong></mat-error>
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Maximum LTV (%)</mat-label>
+        <input matInput [value]="ltv" readonly />
+        <mat-hint>= 100 − Margin</mat-hint>
+      </mat-form-field>
+    </div>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-table"></i>
+      <h3>Collateral Rules by Security Type</h3>
+      <span class="adv-section__hint">Which security this product may accept</span>
+    </div>
+    <table class="adv-table">
+      <thead>
+        <tr>
+          <th>Security</th>
+          <th>Allowed</th>
+          <th>Max LTV %</th>
+          <th>Valuation</th>
+          <th>Insurance</th>
+          <th>Charge / lien</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (rule of collateralRules; track rule.security) {
+          <tr>
+            <td>{{ rule.security }}</td>
+            <td [class.adv-table__yes]="rule.allowed" [class.adv-table__no]="!rule.allowed">
+              {{ rule.allowed ? 'Yes' : 'No' }}
+            </td>
+            <td [class.adv-table__no]="!rule.allowed">{{ rule.ltv }}</td>
+            <td [class.adv-table__no]="!rule.allowed">{{ rule.valuation }}</td>
+            <td [class.adv-table__no]="!rule.allowed">{{ rule.insurance }}</td>
+            <td [class.adv-table__no]="!rule.allowed">{{ rule.charge }}</td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+
+  <div class="adv-section">
+    <div class="adv-section__header">
+      <i class="fas fa-user-plus"></i>
+      <h3>Guarantor &amp; Co-applicant</h3>
+    </div>
+    <div class="adv-grid adv-grid--3">
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Guarantors Required (min)</mat-label>
+        <input matInput type="number" formControlName="guarantorsRequired" min="0" />
+      </mat-form-field>
+      <mat-form-field appearance="outline" class="adv-field">
+        <mat-label>Co-applicant</mat-label>
+        <mat-select formControlName="coApplicant">
+          @for (opt of coApplicantOptions; 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>Third-party Security</mat-label>
+        <mat-select formControlName="thirdPartySecurity">
+          @for (opt of thirdPartyOptions; 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-check-circle"></i>
+      <h3>Conditions</h3>
+    </div>
+    <div class="adv-subsection">
+      <div class="adv-checks">
+        <mat-checkbox formControlName="legalOpinionRequired">
+          Legal opinion / title search mandatory before sanction
+        </mat-checkbox>
+        <mat-checkbox formControlName="propertyInsuranceRequired">
+          Property insurance mandatory for the whole tenure
+        </mat-checkbox>
+        <mat-checkbox formControlName="registerCharge">Register charge (CERSAI) before disbursement</mat-checkbox>
+        <mat-checkbox formControlName="autoReleaseOnClosure">Release security automatically on closure</mat-checkbox>
+        <mat-checkbox formControlName="allowMultipleSecurities">Allow multiple securities for one loan</mat-checkbox>
+        <mat-checkbox formControlName="allowThirdPartyDeposit">Allow third-party deposit as security</mat-checkbox>
+      </div>
+    </div>
+    <div style="padding: 0 24px 20px">
+      <div class="adv-info">
+        Unlike an Advance, the security does not decide a running limit. It only decides eligibility at sanction.
+        Disbursement happens once, up to the sanctioned amount.
+      </div>
+    </div>
+  </div>
+</form>

src/app/products/loan-products/loan-product-stepper/loan-product-loan-security-step/loan-product-loan-security-step.component.ts

@@ -0,0 +1,127 @@
+/**
+ * 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 } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Security & Collateral step for a Loans A/C (EMI) product (step 3).
+ *
+ * Unlike an Advance, the security only decides eligibility at sanction — it does not set a running
+ * limit. UI-only for now: not sent in the create payload.
+ */
+@Component({
+  selector: 'mifosx-loan-product-loan-security-step',
+  templateUrl: './loan-product-loan-security-step.component.html',
+  styleUrls: ['../advance-steps.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox
+  ]
+})
+export class LoanProductLoanSecurityStepComponent {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  loanProductLoanSecurityForm: UntypedFormGroup;
+
+  readonly securityMandatoryOptions = [
+    { id: 'yes', label: 'Yes — no sanction without security' },
+    { id: 'no', label: 'No — unsecured' }
+  ];
+
+  readonly coApplicantOptions = [
+    { id: 'joint_property', label: 'Mandatory for joint property' },
+    { id: 'always', label: 'Always mandatory' },
+    { id: 'optional', label: 'Optional' }
+  ];
+
+  readonly thirdPartyOptions = [
+    { id: 'consent', label: 'Allowed with owner consent' },
+    { id: 'no', label: 'Not allowed' }
+  ];
+
+  /** Reference table: which security a loan on this product may accept. */
+  readonly collateralRules = [
+    {
+      security: 'Residential property',
+      allowed: true,
+      ltv: '80',
+      valuation: 'Empanelled valuer',
+      insurance: 'Mandatory',
+      charge: 'Mortgage + CERSAI'
+    },
+    {
+      security: 'Commercial property',
+      allowed: true,
+      ltv: '70',
+      valuation: 'Empanelled valuer',
+      insurance: 'Mandatory',
+      charge: 'Mortgage + CERSAI'
+    },
+    {
+      security: 'Fixed / Recurring Deposit',
+      allowed: true,
+      ltv: '90',
+      valuation: 'Not needed',
+      insurance: 'Not needed',
+      charge: 'Lien marked'
+    },
+    {
+      security: 'LIC policy',
+      allowed: true,
+      ltv: '90',
+      valuation: 'Surrender value',
+      insurance: 'Not needed',
+      charge: 'Assignment'
+    },
+    { security: 'Vehicle', allowed: false, ltv: '—', valuation: '—', insurance: '—', charge: '—' },
+    { security: 'Gold ornaments', allowed: false, ltv: '—', valuation: '—', insurance: '—', charge: '—' }
+  ];
+
+  constructor() {
+    this.loanProductLoanSecurityForm = this.formBuilder.group({
+      securityType: ['Immovable property (mortgage)'],
+      securityMandatory: ['yes'],
+      margin: [
+        20,
+        [
+          Validators.required,
+          Validators.min(0),
+          Validators.max(100)
+        ]
+      ],
+      guarantorsRequired: [
+        1,
+        Validators.min(0)
+      ],
+      coApplicant: ['joint_property'],
+      thirdPartySecurity: ['consent'],
+      legalOpinionRequired: [true],
+      propertyInsuranceRequired: [true],
+      registerCharge: [true],
+      autoReleaseOnClosure: [true],
+      allowMultipleSecurities: [false],
+      allowThirdPartyDeposit: [false]
+    });
+  }
+
+  /** Maximum LTV is derived from the margin (100 − margin) and shown read-only. */
+  get ltv(): number {
+    const margin = Number(this.loanProductLoanSecurityForm.get('margin').value);
+    return Number.isFinite(margin) ? Math.max(0, 100 - margin) : 100;
+  }
+
+  get loanProductLoanSecurity() {
+    return {
+      ...this.loanProductLoanSecurityForm.getRawValue(),
+      ltv: this.ltv
+    };
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-penal-npa-step/loan-product-penal-npa-step.component.html

@@ -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>

src/app/products/loan-products/loan-product-stepper/loan-product-penal-npa-step/loan-product-penal-npa-step.component.ts

@@ -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();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-renewal-closure-step/loan-product-renewal-closure-step.component.html

@@ -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>

src/app/products/loan-products/loan-product-stepper/loan-product-renewal-closure-step/loan-product-renewal-closure-step.component.ts

@@ -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();
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.html

@@ -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>

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.scss

@@ -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;
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-security-lien-step/loan-product-security-lien-step.component.ts

@@ -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
+    };
+  }
+}

src/app/products/loan-products/loan-product-stepper/loan-product-settings-step/loan-product-settings-step.component.scss

@@ -71,6 +71,16 @@
   }
 }
 
+.lps-panel {
+  & + & {
+    margin-top: 12px;
+  }
+
+  .lps-section__body {
+    padding-top: 8px;
+  }
+}
+
 .lps-full-width {
   grid-column: 1 / -1;
 }

src/app/products/loan-products/loan-product-stepper/loan-product-settings-step/loan-product-settings-step.component.ts

@@ -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');
 

src/app/products/loan-products/loan-product-stepper/loan-product-terms-step/loan-product-terms-step.component.html

@@ -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">

src/app/products/loan-products/loan-product-stepper/loan-product-terms-step/loan-product-terms-step.component.ts

@@ -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]
     });
   }
 

src/app/products/loan-products/loan-product-stepper/register-rate-view/register-rate-view.component.html

@@ -0,0 +1,97 @@
+<!--
+  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/.
+-->
+
+@switch (state) {
+  @case ('loading') {
+    <div class="adv-info">Reading the Loan Interest Rate Register…</div>
+  }
+  @case ('none') {
+    <div class="rrv__block">
+      <strong>There is no active Loan Interest Rate Register yet.</strong>
+      <span>
+        A product takes its interest rate from the register, so it cannot be created until a register is created and
+        approved.
+      </span>
+      <a routerLink="/products/loan-interest-rate-register" class="rrv__block-btn">Open the register →</a>
+    </div>
+  }
+  @case ('ready') {
+    @if (selectedRow) {
+      <div class="adv-info rrv__source">
+        <span>
+          Interest comes from the active register <strong>{{ register?.name }}</strong
+          >, effective {{ register?.effectiveFrom }}.
+        </span>
+        <a routerLink="/products/loan-interest-rate-register">Open register →</a>
+      </div>
+    }
+
+    @if (!selectedRow) {
+      <div class="rrv__block">
+        <strong>This product has no interest rate in the Loan Interest Rate Register yet.</strong>
+        <span>{{ blockReason }}</span>
+        <a routerLink="/products/loan-interest-rate-register" class="rrv__block-btn">Add it in the register →</a>
+      </div>
+    }
+
+    @if (selectedRow) {
+      <div class="rrv__row">
+        <span class="rrv__row-label">Register row</span>
+        <strong class="rrv__row-name">{{ selectedRow.srNo }}. {{ selectedRow.particulars }}</strong>
+        @if (glLabel(selectedRow); as gl) {
+          <span class="rrv__row-gl">{{ gl }}</span>
+        }
+        <span class="rrv__row-note">{{ matchNote }}</span>
+      </div>
+
+      <div class="rrv__tables">
+        <table class="adv-table">
+          <thead>
+            <tr>
+              <th>Amount slab</th>
+              <th>Rate</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (slab of slabRates; track slab.label) {
+              <tr>
+                <td>{{ slab.label }}</td>
+                <td [class.adv-table__no]="slab.na" [class.rrv__formula]="slab.formula">{{ slab.text }}</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+
+        <table class="adv-table">
+          <thead>
+            <tr>
+              <th>CIBIL score</th>
+              <th>Band</th>
+              <th>Added to the rate</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (slab of cibilSlabs; track slab.from) {
+              <tr>
+                <td>{{ slab.from }} – {{ slab.to }}</td>
+                <td>{{ slab.tier }}</td>
+                <td>{{ slab.adjustmentPct > 0 ? '+' + slab.adjustmentPct.toFixed(2) + '%' : 'No change' }}</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      @if (selectedRow.isFormula || slabRates[0]?.formula) {
+        <div class="rrv__note">
+          This row is the deposit's own rate plus a spread, so the final rate is worked out on each account from its
+          deposit.
+        </div>
+      }
+    }
+  }
+}

src/app/products/loan-products/loan-product-stepper/register-rate-view/register-rate-view.component.scss

@@ -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/.
+ */
+
+:host {
+  display: block;
+}
+
+.rrv__source {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+
+  a {
+    font-weight: 600;
+    white-space: nowrap;
+  }
+}
+
+.rrv__block {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  gap: 4px 16px;
+  margin: 16px 24px 0;
+  padding: 12px 16px;
+  border: 1px solid #fecaca;
+  border-radius: 8px;
+  background: #fef2f2;
+  color: #991b1b;
+  font-size: 13px;
+  line-height: 1.5;
+
+  strong {
+    flex: 1 1 100%;
+    font-size: 14px;
+  }
+
+  span {
+    flex: 1 1 360px;
+  }
+}
+
+.rrv__block-btn {
+  font-weight: 600;
+  color: #991b1b;
+  white-space: nowrap;
+}
+
+.rrv__row {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  gap: 6px 14px;
+  padding: 14px 24px 4px;
+  font-size: 14px;
+  color: #1e293b;
+}
+
+.rrv__row-label {
+  font-size: 12px;
+  letter-spacing: 0.05em;
+  text-transform: uppercase;
+  color: #5f6368;
+}
+
+.rrv__row-gl {
+  padding: 1px 10px;
+  border-radius: 999px;
+  background: #e0f2fe;
+  color: #075985;
+  font-size: 12px;
+  font-weight: 600;
+}
+
+.rrv__row-note {
+  font-size: 12px;
+  color: #5f6368;
+}
+
+.rrv__tables {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 16px;
+  padding: 8px 24px 16px;
+
+  @media (width <= 900px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.rrv__formula {
+  color: #075985;
+  font-weight: 600;
+}
+
+.rrv__note {
+  padding: 0 24px 16px;
+  font-size: 13px;
+  color: #5f6368;
+}

src/app/products/loan-products/loan-product-stepper/register-rate-view/register-rate-view.component.ts

@@ -0,0 +1,220 @@
+/**
+ * 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, EventEmitter, Input, OnChanges, OnInit, Output, SimpleChanges, inject } from '@angular/core';
+import { RouterLink } from '@angular/router';
+import { RateRegisterService } from 'app/products/loan-interest-rate-register/rate-register.service';
+import {
+  CibilSlab,
+  RateCell,
+  RateChartRow,
+  RateRegister
+} from 'app/products/loan-interest-rate-register/models/rate-register.model';
+
+/** How the register row was found for the product. */
+export type RegisterMatch = 'gl' | 'type';
+
+/** What the product takes from the register row, handed to the step that owns the rate fields. */
+export interface RegisterRateSelection {
+  particular: string;
+  srNo: number;
+  glAccountId: number | null;
+  /** True when the row holds formulas such as "1% + FD": the rate is the deposit's own rate plus a spread. */
+  isFormula: boolean;
+  /** Lowest and highest plain rate in the row, the top one including the largest CIBIL adjustment. Null for a formula row. */
+  minRate: number | null;
+  maxRate: number | null;
+  /** The rate the product is created with: the lowest plain rate, or the lowest spread for a formula row. */
+  defaultRate: number | null;
+  /** Lowest and highest spread over the deposit rate; only for a formula row. */
+  minSpread: number | null;
+  maxSpread: number | null;
+  matchedBy: RegisterMatch;
+  registerName: string;
+}
+
+/**
+ * Product sub type id -> a word of the register particular that goes with it. This only covers the register's
+ * default rows. Any other product is found through its GL account, which every register row carries.
+ */
+const PARTICULAR_BY_SUB_TYPE: Record<string, string> = {
+  fd: 'against fdr',
+  rd: 'against rd',
+  gold: 'gold loan',
+  cc: 'cash credit',
+  overdraft: 'overdraft',
+  kcc: 'agriculture',
+  housing: 'housing loan',
+  personal: 'personal loan (unsecured)',
+  vehicle: 'car loan (new)',
+  business: 'business term loan',
+  term: 'business term loan',
+  gold_emi: 'gold loan'
+};
+
+/**
+ * Shows the interest of a product as the Loan Interest Rate Register defines it: the rate of the product's own
+ * register row for each amount slab, and the CIBIL adjustment. Nothing is chosen or typed here.
+ *
+ * The row is found from the product's GL account first (the register maps each row to a GL), then from its sub
+ * type. The row found is reported through `selectionChange`, or null when there is none, which blocks the product.
+ */
+@Component({
+  selector: 'mifosx-register-rate-view',
+  templateUrl: './register-rate-view.component.html',
+  styleUrls: [
+    '../advance-steps.scss',
+    './register-rate-view.component.scss'
+  ],
+  imports: [RouterLink]
+})
+export class RegisterRateViewComponent implements OnInit, OnChanges {
+  private registerService = inject(RateRegisterService);
+
+  /** Sub type id picked on the Details step, e.g. `fd`. */
+  @Input() productSubType = '';
+  /** The product's GL account id from the Details step. */
+  @Input() glAccountId: number | string | null = null;
+  @Output() selectionChange = new EventEmitter<RegisterRateSelection | null>();
+
+  state: 'loading' | 'ready' | 'none' = 'loading';
+  register?: RateRegister;
+  selectedSrNo: number | null = null;
+  matchedBy: RegisterMatch | null = null;
+  /** More than one register row fits the product and nothing tells them apart. */
+  ambiguous = false;
+
+  ngOnInit(): void {
+    this.registerService.getGlOptions().subscribe();
+    this.registerService.list().subscribe(() => {
+      this.register = this.registerService.getActive();
+      this.state = this.register && this.register.rows.length > 0 ? 'ready' : 'none';
+      this.autoSelect();
+    });
+  }
+
+  ngOnChanges(changes: SimpleChanges): void {
+    // The Details step can change after this one has opened, and a new type or GL means a new row.
+    if ((changes['productSubType'] || changes['glAccountId']) && this.state === 'ready') {
+      this.autoSelect();
+    }
+  }
+
+  get rows(): RateChartRow[] {
+    return this.register?.rows ?? [];
+  }
+
+  get selectedRow(): RateChartRow | undefined {
+    return this.rows.find((row) => row.srNo === this.selectedSrNo);
+  }
+
+  get cibilSlabs(): CibilSlab[] {
+    return this.register?.cibilSlabs ?? [];
+  }
+
+  glLabel(row: RateChartRow): string | null {
+    return this.registerService.glLabel(row.glAccountId);
+  }
+
+  /** The row's rate for every amount slab, ready to show. */
+  get slabRates(): { label: string; text: string; formula: boolean; na: boolean }[] {
+    const row = this.selectedRow;
+    if (!row || !this.register) {
+      return [];
+    }
+    return this.register.slabs.map((slab, index) => {
+      const cell: RateCell = row.rates[index] ?? null;
+      return {
+        label: slab.label,
+        text: cell === null ? 'N.A.' : typeof cell === 'string' ? cell : `${cell.toFixed(2)}%`,
+        formula: typeof cell === 'string',
+        na: cell === null
+      };
+    });
+  }
+
+  /** Why the product cannot go on: what the officer has to do in the register first. */
+  get blockReason(): string {
+    const hasGl = this.glAccountId !== null && this.glAccountId !== '';
+    if (!this.productSubType && !hasGl) {
+      return 'Choose the product type and the GL account on the Details step first.';
+    }
+    const gl = hasGl ? this.registerService.glLabel(Number(this.glAccountId)) : null;
+    if (this.ambiguous) {
+      return `More than one register row uses the GL account${gl ? ` (${gl})` : ''}. Give each row its own GL account in the register so this product can be matched to one of them.`;
+    }
+    const forGl = gl ? ` with its GL account (${gl})` : ' with its GL account';
+    return `Add this product${forGl} and its interest rates in the register and get the register approved. The product can be created only after that.`;
+  }
+
+  /** How the row was found, shown beside it. */
+  get matchNote(): string {
+    return this.matchedBy === 'gl'
+      ? `Found through the product's GL account (${this.glLabel(this.selectedRow!) ?? 'GL'}).`
+      : 'Found through the product type.';
+  }
+
+  private autoSelect(): void {
+    const rows = this.rows;
+    const word = PARTICULAR_BY_SUB_TYPE[this.productSubType]?.toLowerCase();
+    const byType = word ? rows.filter((row) => row.particulars.toLowerCase().includes(word)) : [];
+    const gl = this.glAccountId === null || this.glAccountId === '' ? null : Number(this.glAccountId);
+    const byGl = gl === null ? [] : rows.filter((row) => row.glAccountId === gl);
+
+    let chosen: RateChartRow | undefined;
+    let by: RegisterMatch | null = null;
+    this.ambiguous = false;
+    if (byGl.length === 1) {
+      chosen = byGl[0];
+      by = 'gl';
+    } else if (byGl.length > 1) {
+      // Several rows share the GL: the product type tells them apart, or nothing does.
+      chosen = byGl.find((row) => byType.includes(row));
+      by = chosen ? 'type' : null;
+      this.ambiguous = !chosen;
+    } else if (byType.length === 1) {
+      chosen = byType[0];
+      by = 'type';
+    } else if (byType.length > 1) {
+      this.ambiguous = true;
+    }
+    this.selectedSrNo = chosen?.srNo ?? null;
+    this.matchedBy = by;
+    this.emit();
+  }
+
+  private emit(): void {
+    const row = this.selectedRow;
+    if (!row || !this.register) {
+      this.selectionChange.emit(null);
+      return;
+    }
+    const plain = row.rates.filter((cell): cell is number => typeof cell === 'number');
+    const spreads = row.rates
+      .filter((cell): cell is string => typeof cell === 'string')
+      .map((text) => /(\d+(?:\.\d+)?)\s*%/.exec(text)?.[1])
+      .filter((value): value is string => !!value)
+      .map(Number);
+    const topAdjustment = Math.max(0, ...this.cibilSlabs.map((slab) => Number(slab.adjustmentPct) || 0));
+    const isFormula = spreads.length > 0 && plain.length === 0;
+    const minRate = plain.length > 0 ? Math.min(...plain) : null;
+    this.selectionChange.emit({
+      particular: row.particulars,
+      srNo: row.srNo,
+      glAccountId: row.glAccountId ?? null,
+      isFormula,
+      minRate,
+      maxRate: plain.length > 0 ? Math.round((Math.max(...plain) + topAdjustment) * 100) / 100 : null,
+      defaultRate: isFormula ? Math.min(...spreads) : minRate,
+      minSpread: isFormula ? Math.min(...spreads) : null,
+      maxSpread: isFormula ? Math.max(...spreads) : null,
+      matchedBy: this.matchedBy ?? 'type',
+      registerName: this.register.name
+    });
+  }
+}

src/app/products/loan-products/loan-product-types.ts

@@ -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/.
+ */
+
+/**
+ * The category ("product type") and sub type of a loan product. One list shared by the create-product wizard, the
+ * product list filters and the loan account product picker, so a type added here appears in all three.
+ */
+
+export interface ProductTypeGroup {
+  id: string;
+  label: string;
+  hint: string;
+}
+
+export interface ProductSubType {
+  id: string;
+  label: string;
+  /** The two-letter code the product's Short Name is pre-filled with when the sub type is picked. */
+  shortName: string;
+}
+
+export const PRODUCT_TYPE_GROUPS: ProductTypeGroup[] = [
+  { 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.' }
+];
+
+export const PRODUCT_SUB_TYPES: Record<string, ProductSubType[]> = {
+  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' }
+  ],
+  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' }
+  ]
+};
+
+/** Label of a category id, or a dash for a product that carries none (created before categories existed). */
+export function productCategoryLabel(group: string | null | undefined): string {
+  return PRODUCT_TYPE_GROUPS.find((g) => g.id === group)?.label ?? '—';
+}
+
+/** Label of a sub type id within its category, or a dash when unknown. */
+export function productTypeLabel(group: string | null | undefined, subGroup: string | null | undefined): string {
+  return (PRODUCT_SUB_TYPES[group ?? ''] ?? []).find((s) => s.id === subGroup)?.label ?? '—';
+}

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

@@ -15,3 +15,49 @@
   --pl-accent: #b45309;
   --pl-accent-l: #fef3c7;
 }
+
+/* Category / product type / active-only filters beside the search box. */
+.pl-filters {
+  display: flex;
+  align-items: flex-end;
+  gap: 12px;
+  flex-wrap: wrap;
+}
+
+.pl-filter {
+  display: flex;
+  flex-direction: column;
+  gap: 2px;
+  font-size: 11px;
+  color: #64748b;
+
+  select {
+    height: 34px;
+    min-width: 160px;
+    padding: 0 8px;
+    border: 1px solid #cbd5e1;
+    border-radius: 6px;
+    background: #fff;
+    font-size: 13px;
+    color: #1e293b;
+  }
+
+  &--check {
+    flex-direction: row;
+    align-items: center;
+    gap: 6px;
+    height: 34px;
+    font-size: 13px;
+    color: #1e293b;
+  }
+}
+
+.pl-tag--advances {
+  background: #e0f2fe;
+  color: #075985;
+}
+
+.pl-tag--loans {
+  background: #ede9fe;
+  color: #5b21b6;
+}

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

@@ -42,6 +42,7 @@ import { MatTooltip } from '@angular/material/tooltip';
 import { StatusLookupPipe } from '../../pipes/status-lookup.pipe';
 import { DateFormatPipe } from '../../pipes/date-format.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { PRODUCT_SUB_TYPES, PRODUCT_TYPE_GROUPS, productCategoryLabel, productTypeLabel } from './loan-product-types';
 
 @Component({
   selector: 'mifosx-loan-products',
@@ -82,6 +83,8 @@ export class LoanProductsComponent implements OnInit, AfterViewInit {
   displayedColumns: string[] = [
     'name',
     'shortName',
+    'category',
+    'productType',
     'closeDate',
     'status',
     'actions'
@@ -90,6 +93,31 @@ export class LoanProductsComponent implements OnInit, AfterViewInit {
 
   filteredCount = 0;
 
+  /** Category and type filters, fed by the classification each product carries. */
+  readonly categories = PRODUCT_TYPE_GROUPS;
+  categoryFilter = '';
+  typeFilter = '';
+  activeOnly = false;
+  textFilter = '';
+
+  /** Types offered for the chosen category; every type when no category is chosen. */
+  get typeOptions() {
+    return this.categoryFilter
+      ? (PRODUCT_SUB_TYPES[this.categoryFilter] ?? [])
+      : Object.values(PRODUCT_SUB_TYPES).flat();
+  }
+
+  categoryOf(product: any): string {
+    return productCategoryLabel(product?.advanceExtensions?.productTypeGroup);
+  }
+
+  typeOf(product: any): string {
+    return productTypeLabel(
+      product?.advanceExtensions?.productTypeGroup,
+      product?.advanceExtensions?.productTypeSubGroup
+    );
+  }
+
   get totalCount(): number {
     return this.loanProductsData?.length || 0;
   }
@@ -130,12 +158,52 @@ export class LoanProductsComponent implements OnInit, AfterViewInit {
     this.dataSource = new MatTableDataSource(this.loanProductsData);
     this.dataSource.paginator = this.paginator;
     this.dataSource.sort = this.sort;
+    this.dataSource.filterPredicate = (product: any) => this.matchesFilters(product);
     this.filteredCount = this.totalCount;
     this.dataSource.connect().subscribe((rows) => (this.filteredCount = rows.length));
   }
 
   applyFilter(filterValue: string) {
-    this.dataSource.filter = (filterValue || '').trim().toLowerCase();
+    this.textFilter = (filterValue || '').trim().toLowerCase();
+    this.refreshFilter();
+  }
+
+  onCategoryChange(): void {
+    // A type belongs to one category, so a type from another category cannot stay selected.
+    if (this.typeFilter && !this.typeOptions.some((type) => type.id === this.typeFilter)) {
+      this.typeFilter = '';
+    }
+    this.refreshFilter();
+  }
+
+  /** The filter value itself is unused (the predicate reads the fields above); changing it re-runs the predicate. */
+  refreshFilter(): void {
+    this.dataSource.filter = `${this.categoryFilter}|${this.typeFilter}|${this.activeOnly}|${this.textFilter}`;
+  }
+
+  private matchesFilters(product: any): boolean {
+    const ext = product?.advanceExtensions ?? {};
+    if (this.categoryFilter && ext.productTypeGroup !== this.categoryFilter) {
+      return false;
+    }
+    if (this.typeFilter && ext.productTypeSubGroup !== this.typeFilter) {
+      return false;
+    }
+    if (this.activeOnly && product?.status !== 'loanProduct.active') {
+      return false;
+    }
+    if (this.textFilter) {
+      const haystack = [
+        product?.name,
+        product?.shortName,
+        this.categoryOf(product),
+        this.typeOf(product)
+      ]
+        .join(' ')
+        .toLowerCase();
+      return haystack.includes(this.textFilter);
+    }
+    return true;
   }
 
   /**

src/app/products/loan-products/loan-products.ts

@@ -45,9 +45,48 @@ 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 Accounting step carries CBS-specific GL mappings that the backend does not accept yet. They are
+    // sent as '' when the officer leaves them blank, and the backend rejects the whole product for an
+    // unsupported parameter, so drop the ones that are empty. A mapping the officer actually selects is still
+    // sent and gets a clear "not supported" answer rather than being silently ignored.
+    [
+      'intReceivablesGlAccountId',
+      'intPayableGlAccountId',
+      'deafIntPayableGlAccountId',
+      'intOverdueReserveAccountId',
+      'undebitedInterestAccountId',
+      'penalIntCrGlAccountId',
+      'rdMaturedGlAccountId'
+    ].forEach((key) => {
+      if (loanProduct[key] === '' || loanProduct[key] === null || loanProduct[key] === undefined) {
+        delete loanProduct[key];
+      }
+    });
+
+    // The Advances and Loans A/C (EMI) payloads are assembled explicitly in the create component and already
+    // carry only whitelisted params (core Fineract fields + satellite params), so they are NOT stripped.
+    // For any other product (the old Settings/Terms path), the Details/Security fields below are not backend
+    // params, so drop them.
+    if (loanProduct.productTypeGroup !== 'advances' && loanProduct.productTypeGroup !== 'loans') {
+      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.