cbsnexora/src/app/tasks/loan-rate-register-diff.util.ts

/**
 * 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 { ChangeKind, CommandChange } from './command-diff.util';

/** Entity name the maker-checker queue uses for Loan Base Interest Rate submissions. */
export const LOAN_BASE_INTEREST_RATE_ENTITY = 'LOANBASEINTERESTRATE';

export function isLoanBaseInterestRateCreate(entityName?: string | null, actionName?: string | null): boolean {
  return (
    (entityName ?? '').toUpperCase() === LOAN_BASE_INTEREST_RATE_ENTITY && (actionName ?? '').toUpperCase() === 'CREATE'
  );
}

const HEADER_FIELDS: { key: string; label: string }[] = [
  { key: 'name', label: 'Name' },
  { key: 'effectiveFromDate', label: 'Effective From Date' },
  { key: 'currencyCode', label: 'Currency Code' },
  { key: 'fallbackNoCibilSlab', label: 'Fallback No CIBIL Slab' },
  { key: 'fallbackBelowMin', label: 'Fallback Below Min' },
  { key: 'note', label: 'Note' }
];

const NA = 'N.A.';
const EMPTY = '—';

/** One chart cell as the checker reads it: a % rate, a formula, or N.A. */
function cellText(cell: any): string {
  if (!cell || cell.isNa) {
    return NA;
  }
  if (cell.isFormula && cell.rateFormula) {
    return String(cell.rateFormula);
  }
  return cell.rateValue === null || cell.rateValue === undefined ? NA : `${Number(cell.rateValue)}%`;
}

function plain(value: any): string {
  return value === null || value === undefined || value === '' ? EMPTY : String(value);
}

function kindOf(oldText: string, newText: string, emptyTexts: string[]): ChangeKind {
  const oldEmpty = emptyTexts.includes(oldText);
  const newEmpty = emptyTexts.includes(newText);
  if (oldEmpty && !newEmpty) {
    return 'ADDED';
  }
  if (!oldEmpty && newEmpty) {
    return 'REMOVED';
  }
  return 'MODIFIED';
}

/**
 * Compares a submitted Loan Base Interest Rate version against the version currently in force and
 * returns only the values that differ: header fields, individual rate cells (per loan type and
 * amount slab) and CIBIL adjustment bands.
 */
export function diffLoanRateRegister(submitted: any, active: any): CommandChange[] {
  const changes: CommandChange[] = [];

  for (const { key, label } of HEADER_FIELDS) {
    if (submitted?.[key] === undefined) {
      continue;
    }
    const oldText = plain(active?.[key]);
    const newText = plain(submitted[key]);
    if (oldText !== newText) {
      changes.push({ label, kind: kindOf(oldText, newText, [EMPTY]), oldValue: oldText, newValue: newText });
    }
  }

  // Rate cells, keyed by loan type + slab order.
  const cellKey = (c: any) => `${c.productSrNo}|${c.slabOrder}`;
  const oldCells = new Map<string, any>(
    (active?.slabs ?? []).map((c: any): [string, any] => [
      cellKey(c),
      c
    ])
  );
  const newCells = new Map<string, any>(
    (submitted?.slabs ?? []).map((c: any): [string, any] => [
      cellKey(c),
      c
    ])
  );
  const names = new Map<number, string>();
  for (const c of active?.slabs ?? []) {
    if (c.productName) {
      names.set(c.productSrNo, c.productName);
    }
  }
  for (const p of submitted?.products ?? []) {
    names.set(p.srNo, p.name);
  }

  const allKeys = new Set<string>([
    ...newCells.keys(),
    ...oldCells.keys()
  ]);
  const cellChanges = [...allKeys]
    .map((k) => {
      const before = oldCells.get(k);
      const after = newCells.get(k);
      const ref = after ?? before;
      return {
        srNo: Number(ref.productSrNo),
        slabOrder: Number(ref.slabOrder),
        label: `${names.get(ref.productSrNo) ?? `Loan type ${ref.productSrNo}`} — ${ref.slabLabel ?? `Slab ${ref.slabOrder + 1}`}`,
        oldText: before ? cellText(before) : EMPTY,
        newText: after ? cellText(after) : EMPTY
      };
    })
    // A cell that is N.A. in the submission and was never in the old version is not a change.
    .filter((c) => c.oldText !== c.newText && !(c.oldText === EMPTY && c.newText === NA))
    .sort((a, b) => a.srNo - b.srNo || a.slabOrder - b.slabOrder);
  for (const c of cellChanges) {
    changes.push({
      label: c.label,
      kind: kindOf(c.oldText, c.newText, [
        EMPTY,
        NA
      ]),
      oldValue: c.oldText,
      newValue: c.newText
    });
  }

  // CIBIL bands, matched by their score range, so a re-ordered list is not reported as a change.
  const bandKey = (b: any) => `${b.scoreFrom}-${b.scoreTo}`;
  const bandText = (b: any) => `${Number(b.adjustmentPct)}% (${b.slabType ?? 'Flat'})`;
  const oldBands = new Map<string, any>(
    (active?.cibilSlabs ?? []).map((b: any): [string, any] => [
      bandKey(b),
      b
    ])
  );
  const newBands = new Map<string, any>(
    (submitted?.cibilSlabs ?? []).map((b: any): [string, any] => [
      bandKey(b),
      b
    ])
  );
  for (const k of new Set<string>([
    ...newBands.keys(),
    ...oldBands.keys()
  ])) {
    const before = oldBands.get(k);
    const after = newBands.get(k);
    const oldText = before ? bandText(before) : EMPTY;
    const newText = after ? bandText(after) : EMPTY;
    if (oldText !== newText) {
      const ref = after ?? before;
      changes.push({
        label: `CIBIL ${ref.scoreFrom}–${ref.scoreTo}${ref.tier ? ` (${ref.tier})` : ''} — Adjustment`,
        kind: kindOf(oldText, newText, [EMPTY]),
        oldValue: oldText,
        newValue: newText
      });
    }
  }

  return changes;
}