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commit ee5290c92ea2d236c38cac3b5465de18ef230ef9 Author: MarianaDmytrivBinariks <[email protected]> AuthorDate: Thu Jun 19 15:42:44 2025 +0300 FINERACT-2181: add tests for capitalized income validation with enabled over appiled amount setting --- .../features/LoanCapitalizedIncome.feature | 373 +++++++++++++++++---- 1 file changed, 305 insertions(+), 68 deletions(-) diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature index b3dca170c0..f2519361dd 100644 --- a/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature +++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanCapitalizedIncome.feature @@ -367,74 +367,7 @@ Feature: Capitalized Income Then Loan's all installments have obligations met @TestRailId:C3723 - Scenario: Verify capitalized income amount with disbursement amount calculation within approved over applied amount with percentage type for multidisbursal loan - UC10 - When Admin sets the business date to "1 January 2024" - And Admin creates a client with random data - And Admin creates a fully customized loan with the following data: - | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | charge calculation type | charge amount % | - | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2 | - And Admin successfully approves the loan on "1 January 2024" with "1500" amount and expected disbursement date on "1 January 2024" - And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount - Then Loan status will be "ACTIVE" - When Admin sets the business date to "2 January 2024" - And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount - And Admin successfully disburse the loan on "2 January 2024" with "200" EUR transaction amount - Then Loan Repayment schedule has 6 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | | | 02 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | | | 02 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 01 February 2024 | | 1169.98 | 230.02 | 8.09 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | - | 2 | 29 | 01 March 2024 | | 938.69 | 231.29 | 6.82 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | - | 3 | 31 | 01 April 2024 | | 706.06 | 232.63 | 5.48 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | - | 4 | 30 | 01 May 2024 | | 472.07 | 233.99 | 4.12 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | - | 5 | 31 | 01 June 2024 | | 236.71 | 235.36 | 2.75 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | - | 6 | 30 | 01 July 2024 | | 0.0 | 236.71 | 1.38 | 0.0 | 0.0 | 238.09 | 0.0 | 0.0 | 0.0 | 238.09 | - And Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 1400.0 | 28.64 | 0.0 | 0.0 | 1428.64 | 0.0 | 0.0 | 0.0 | 1428.64 | - And Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | - | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | - | 02 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | false | - | 02 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1400.0 | false | - And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries: - | Type | Account code | Account name | Debit | Credit | - | ASSET | 112601 | Loans Receivable | 200.0 | | - | LIABILITY | 145024 | Deferred Capitalized Income | | 200.0 | - Then Admin fails to disburse the loan on "02 January 2024" with "200" EUR trn amount with total disb amount "1400" and max disb amount "1500" due to exceed max applied amount - Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount - When Admin successfully undo disbursal - Then Loan status will be "APPROVED" - When Admin sets the business date to "3 January 2024" - And Admin successfully disburse the loan on "3 January 2024" with "1000" EUR transaction amount - And Admin sets the business date to "4 January 2024" - And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "4 January 2024" with "500" EUR transaction amount - Then Loan Repayment schedule has 6 periods, with the following data for periods: - | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | | | 03 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | | | 04 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | - | 1 | 31 | 03 February 2024 | | 1253.55 | 246.45 | 8.66 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | - | 2 | 29 | 03 March 2024 | | 1005.75 | 247.8 | 7.31 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | - | 3 | 31 | 03 April 2024 | | 756.51 | 249.24 | 5.87 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | - | 4 | 30 | 03 May 2024 | | 505.81 | 250.7 | 4.41 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | - | 5 | 31 | 03 June 2024 | | 253.65 | 252.16 | 2.95 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | - | 6 | 30 | 03 July 2024 | | 0.0 | 253.65 | 1.48 | 0.0 | 0.0 | 255.13 | 0.0 | 0.0 | 0.0 | 255.13 | - And Loan Repayment schedule has the following data in Total row: - | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | - | 1500.0 | 30.68 | 0.0 | 0.0 | 1530.68 | 0.0 | 0.0 | 0.0 | 1530.68 | - And Loan Transactions tab has the following data: - | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | - | 03 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | - | 04 January 2024 | Capitalized Income | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | - Then Admin fails to disburse the loan on "04 January 2024" with "100" EUR trn amount with total disb amount "1100" and max disb amount "1500" due to exceed max applied amount - Then Capitalized income with payment type "AUTOPAY" on "04 January 2024" is forbidden with amount "100" while exceed approved amount - - When Loan Pay-off is made on "04 January 2024" - Then Loan's all installments have obligations met - - @TestRailId:C3730 - Scenario: Verify capitalized income with disbursement amount calculation within approved amount for multidisbursal loan with undo capitalized income - UC11 + Scenario: Verify capitalized income with disbursement amount calculation within approved amount for multidisbursal loan with undo capitalized income - UC10 When Admin sets the business date to "1 January 2024" And Admin creates a client with random data And Admin creates a fully customized loan with the following data: @@ -505,6 +438,73 @@ Feature: Capitalized Income When Loan Pay-off is made on "04 January 2024" Then Loan's all installments have obligations met + @TestRailId:C3730 + Scenario: Verify capitalized income amount with disbursement amount calculation within approved over applied amount with percentage type for multidisbursal loan - UC11 + When Admin sets the business date to "1 January 2024" + And Admin creates a client with random data + And Admin creates a fully customized loan with the following data: + | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | charge calculation type | charge amount % | + | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2 | + And Admin successfully approves the loan on "1 January 2024" with "1500" amount and expected disbursement date on "1 January 2024" + And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount + Then Loan status will be "ACTIVE" + When Admin sets the business date to "2 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "200" EUR transaction amount + And Admin successfully disburse the loan on "2 January 2024" with "200" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 1169.98 | 230.02 | 8.09 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 2 | 29 | 01 March 2024 | | 938.69 | 231.29 | 6.82 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 3 | 31 | 01 April 2024 | | 706.06 | 232.63 | 5.48 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 4 | 30 | 01 May 2024 | | 472.07 | 233.99 | 4.12 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 5 | 31 | 01 June 2024 | | 236.71 | 235.36 | 2.75 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 6 | 30 | 01 July 2024 | | 0.0 | 236.71 | 1.38 | 0.0 | 0.0 | 238.09 | 0.0 | 0.0 | 0.0 | 238.09 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1400.0 | 28.64 | 0.0 | 0.0 | 1428.64 | 0.0 | 0.0 | 0.0 | 1428.64 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 02 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 1200.0 | false | + | 02 January 2024 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1400.0 | false | + And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries: + | Type | Account code | Account name | Debit | Credit | + | ASSET | 112601 | Loans Receivable | 200.0 | | + | LIABILITY | 145024 | Deferred Capitalized Income | | 200.0 | + Then Admin fails to disburse the loan on "02 January 2024" with "200" EUR trn amount with total disb amount "1400" and max disb amount "1500" due to exceed max applied amount + Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount + When Admin successfully undo disbursal + Then Loan status will be "APPROVED" + When Admin sets the business date to "3 January 2024" + And Admin successfully disburse the loan on "3 January 2024" with "1000" EUR transaction amount + And Admin sets the business date to "4 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "4 January 2024" with "500" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 03 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 04 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 03 February 2024 | | 1253.55 | 246.45 | 8.66 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 2 | 29 | 03 March 2024 | | 1005.75 | 247.8 | 7.31 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 3 | 31 | 03 April 2024 | | 756.51 | 249.24 | 5.87 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 4 | 30 | 03 May 2024 | | 505.81 | 250.7 | 4.41 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 5 | 31 | 03 June 2024 | | 253.65 | 252.16 | 2.95 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 6 | 30 | 03 July 2024 | | 0.0 | 253.65 | 1.48 | 0.0 | 0.0 | 255.13 | 0.0 | 0.0 | 0.0 | 255.13 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1500.0 | 30.68 | 0.0 | 0.0 | 1530.68 | 0.0 | 0.0 | 0.0 | 1530.68 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 03 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 04 January 2024 | Capitalized Income | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | + Then Admin fails to disburse the loan on "04 January 2024" with "100" EUR trn amount with total disb amount "1100" and max disb amount "1500" due to exceed max applied amount + Then Capitalized income with payment type "AUTOPAY" on "04 January 2024" is forbidden with amount "100" while exceed approved amount + + When Loan Pay-off is made on "04 January 2024" + Then Loan's all installments have obligations met + @TestRailId:C3764 Scenario: Verify capitalized income with disbursement amount within approved over applied amount with flat type with undo last disbursal for multidisbursal loan - UC12 When Admin sets the business date to "1 January 2024" @@ -668,7 +668,244 @@ Feature: Capitalized Income | ASSET | 112601 | Loans Receivable | 400.0 | | | LIABILITY | 145024 | Deferred Capitalized Income | | 400.0 | Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount + And Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "02 January 2024" with "200" EUR transaction amount + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | + | 02 January 2024 | Capitalized Income | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 1900.0 | false | + | 02 January 2024 | Capitalized Income Adjustment | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 1700.0 | false | + Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount + When Loan Pay-off is made on "02 January 2024" + Then Loan's all installments have obligations met + + @TestRailId:C3776 + Scenario: Verify capitalized income amount with disbursement amount calculation within approved over applied amount with percentage type for multidisbursal loan - UC15 + When Admin sets the business date to "1 January 2024" + And Admin creates a client with random data + And Admin creates a fully customized loan with the following data: + | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | charge calculation type | charge amount % | + | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2 | + And Admin successfully approves the loan on "1 January 2024" with "1300" amount and expected disbursement date on "1 January 2024" + And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount + Then Loan status will be "ACTIVE" + When Admin sets the business date to "2 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "400" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 1169.98 | 230.02 | 8.09 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 2 | 29 | 01 March 2024 | | 938.69 | 231.29 | 6.82 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 3 | 31 | 01 April 2024 | | 706.06 | 232.63 | 5.48 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 4 | 30 | 01 May 2024 | | 472.07 | 233.99 | 4.12 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 5 | 31 | 01 June 2024 | | 236.71 | 235.36 | 2.75 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 6 | 30 | 01 July 2024 | | 0.0 | 236.71 | 1.38 | 0.0 | 0.0 | 238.09 | 0.0 | 0.0 | 0.0 | 238.09 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1400.0 | 28.64 | 0.0 | 0.0 | 1428.64 | 0.0 | 0.0 | 0.0 | 1428.64 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 02 January 2024 | Capitalized Income | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 1400.0 | false | + And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries: + | Type | Account code | Account name | Debit | Credit | + | ASSET | 112601 | Loans Receivable | 400.0 | | + | LIABILITY | 145024 | Deferred Capitalized Income | | 400.0 | + Then Admin fails to disburse the loan on "02 January 2024" with "200" EUR trn amount with total disb amount "1200" and max disb amount "1500" due to exceed max applied amount + Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount + When Admin successfully undo disbursal + Then Loan status will be "APPROVED" + When Admin sets the business date to "3 January 2024" + And Admin successfully disburse the loan on "3 January 2024" with "1000" EUR transaction amount + And Admin sets the business date to "4 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "4 January 2024" with "500" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 03 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 04 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 03 February 2024 | | 1253.55 | 246.45 | 8.66 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 2 | 29 | 03 March 2024 | | 1005.75 | 247.8 | 7.31 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 3 | 31 | 03 April 2024 | | 756.51 | 249.24 | 5.87 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 4 | 30 | 03 May 2024 | | 505.81 | 250.7 | 4.41 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 5 | 31 | 03 June 2024 | | 253.65 | 252.16 | 2.95 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 6 | 30 | 03 July 2024 | | 0.0 | 253.65 | 1.48 | 0.0 | 0.0 | 255.13 | 0.0 | 0.0 | 0.0 | 255.13 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1500.0 | 30.68 | 0.0 | 0.0 | 1530.68 | 0.0 | 0.0 | 0.0 | 1530.68 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 03 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 04 January 2024 | Capitalized Income | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | + Then Admin fails to disburse the loan on "04 January 2024" with "100" EUR trn amount with total disb amount "1100" and max disb amount "1500" due to exceed max applied amount + Then Capitalized income with payment type "AUTOPAY" on "04 January 2024" is forbidden with amount "100" while exceed approved amount + + When Loan Pay-off is made on "04 January 2024" + Then Loan's all installments have obligations met + + @TestRailId:C3777 + Scenario: Verify capitalized income with disbursement amount within approved over applied amount with flat type with undo last disbursal for multidisbursal loan - UC16 + When Admin sets the business date to "1 January 2024" + And Admin creates a client with random data + And Admin creates a fully customized loan with the following data: + | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | charge calculation type | charge amount % | + | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_OVER_APPLIED_FLAT_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2 | + And Admin successfully approves the loan on "1 January 2024" with "1500" amount and expected disbursement date on "1 January 2024" + And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount + Then Loan status will be "ACTIVE" + When Admin sets the business date to "2 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "600" EUR transaction amount + And Admin successfully disburse the loan on "2 January 2024" with "400" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 600.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 1671.34 | 328.66 | 11.48 | 0.0 | 0.0 | 340.14 | 0.0 | 0.0 | 0.0 | 340.14 | + | 2 | 29 | 01 March 2024 | | 1340.95 | 330.39 | 9.75 | 0.0 | 0.0 | 340.14 | 0.0 | 0.0 | 0.0 | 340.14 | + | 3 | 31 | 01 April 2024 | | 1008.63 | 332.32 | 7.82 | 0.0 | 0.0 | 340.14 | 0.0 | 0.0 | 0.0 | 340.14 | + | 4 | 30 | 01 May 2024 | | 674.37 | 334.26 | 5.88 | 0.0 | 0.0 | 340.14 | 0.0 | 0.0 | 0.0 | 340.14 | + | 5 | 31 | 01 June 2024 | | 338.16 | 336.21 | 3.93 | 0.0 | 0.0 | 340.14 | 0.0 | 0.0 | 0.0 | 340.14 | + | 6 | 30 | 01 July 2024 | | 0.0 | 338.16 | 1.97 | 0.0 | 0.0 | 340.13 | 0.0 | 0.0 | 0.0 | 340.13 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 2000.0 | 40.83 | 0.0 | 0.0 | 2040.83 | 0.0 | 0.0 | 0.0 | 2040.83 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 02 January 2024 | Capitalized Income | 600.0 | 600.0 | 0.0 | 0.0 | 0.0 | 1600.0 | false | + | 02 January 2024 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2000.0 | false | + And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries: + | Type | Account code | Account name | Debit | Credit | + | ASSET | 112601 | Loans Receivable | 600.0 | | + | LIABILITY | 145024 | Deferred Capitalized Income | | 600.0 | + Then Admin fails to disburse the loan on "02 January 2024" with "200" EUR trn amount with total disb amount "1600" and max disb amount "2000" due to exceed max applied amount + Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "101" while exceed approved amount + When Admin successfully undo last disbursal + When Admin sets the business date to "3 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "3 January 2024" with "200" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 600.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 03 January 2024 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 1504.19 | 295.81 | 10.31 | 0.0 | 0.0 | 306.12 | 0.0 | 0.0 | 0.0 | 306.12 | + | 2 | 29 | 01 March 2024 | | 1206.84 | 297.35 | 8.77 | 0.0 | 0.0 | 306.12 | 0.0 | 0.0 | 0.0 | 306.12 | + | 3 | 31 | 01 April 2024 | | 907.76 | 299.08 | 7.04 | 0.0 | 0.0 | 306.12 | 0.0 | 0.0 | 0.0 | 306.12 | + | 4 | 30 | 01 May 2024 | | 606.94 | 300.82 | 5.3 | 0.0 | 0.0 | 306.12 | 0.0 | 0.0 | 0.0 | 306.12 | + | 5 | 31 | 01 June 2024 | | 304.36 | 302.58 | 3.54 | 0.0 | 0.0 | 306.12 | 0.0 | 0.0 | 0.0 | 306.12 | + | 6 | 30 | 01 July 2024 | | 0.0 | 304.36 | 1.78 | 0.0 | 0.0 | 306.14 | 0.0 | 0.0 | 0.0 | 306.14 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1800.0 | 36.74 | 0.0 | 0.0 | 1836.74 | 0.0 | 0.0 | 0.0 | 1836.74 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 02 January 2024 | Capitalized Income | 600.0 | 600.0 | 0.0 | 0.0 | 0.0 | 1600.0 | false | + | 03 January 2024 | Capitalized Income | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 1800.0 | false | + Then Admin fails to disburse the loan on "03 January 2024" with "201" EUR trn amount with total disb amount "1201" and max disb amount "2000" due to exceed max applied amount + Then Capitalized income with payment type "AUTOPAY" on "03 January 2024" is forbidden with amount "300" while exceed approved amount + + When Loan Pay-off is made on "03 January 2024" + Then Loan's all installments have obligations met + + @TestRailId:C3778 + Scenario: Verify capitalized income with disbursement amount within approved over applied amount with percentage type with undo disbursal for single disbursal loan - UC17 + When Admin sets the business date to "1 January 2024" + And Admin creates a client with random data + And Admin creates a fully customized loan with the following data: + | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | charge calculation type | charge amount % | + | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2 | + And Admin successfully approves the loan on "1 January 2024" with "1200" amount and expected disbursement date on "1 January 2024" + And Admin successfully disburse the loan on "1 January 2024" with "1000" EUR transaction amount + Then Loan status will be "ACTIVE" + When Admin sets the business date to "2 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "400" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 1169.98 | 230.02 | 8.09 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 2 | 29 | 01 March 2024 | | 938.69 | 231.29 | 6.82 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 3 | 31 | 01 April 2024 | | 706.06 | 232.63 | 5.48 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 4 | 30 | 01 May 2024 | | 472.07 | 233.99 | 4.12 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 5 | 31 | 01 June 2024 | | 236.71 | 235.36 | 2.75 | 0.0 | 0.0 | 238.11 | 0.0 | 0.0 | 0.0 | 238.11 | + | 6 | 30 | 01 July 2024 | | 0.0 | 236.71 | 1.38 | 0.0 | 0.0 | 238.09 | 0.0 | 0.0 | 0.0 | 238.09 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1400.0 | 28.64 | 0.0 | 0.0 | 1428.64 | 0.0 | 0.0 | 0.0 | 1428.64 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 02 January 2024 | Capitalized Income | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 1400.0 | false | + And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries: + | Type | Account code | Account name | Debit | Credit | + | ASSET | 112601 | Loans Receivable | 400.0 | | + | LIABILITY | 145024 | Deferred Capitalized Income | | 400.0 | + Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount + When Admin successfully undo disbursal + Then Loan status will be "APPROVED" + When Admin sets the business date to "3 January 2024" + And Admin successfully disburse the loan on "3 January 2024" with "1000" EUR transaction amount + And Admin sets the business date to "4 January 2024" + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "4 January 2024" with "500" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 03 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 04 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 03 February 2024 | | 1253.55 | 246.45 | 8.66 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 2 | 29 | 03 March 2024 | | 1005.75 | 247.8 | 7.31 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 3 | 31 | 03 April 2024 | | 756.51 | 249.24 | 5.87 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 4 | 30 | 03 May 2024 | | 505.81 | 250.7 | 4.41 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 5 | 31 | 03 June 2024 | | 253.65 | 252.16 | 2.95 | 0.0 | 0.0 | 255.11 | 0.0 | 0.0 | 0.0 | 255.11 | + | 6 | 30 | 03 July 2024 | | 0.0 | 253.65 | 1.48 | 0.0 | 0.0 | 255.13 | 0.0 | 0.0 | 0.0 | 255.13 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1500.0 | 30.68 | 0.0 | 0.0 | 1530.68 | 0.0 | 0.0 | 0.0 | 1530.68 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 03 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | + | 04 January 2024 | Capitalized Income | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | + Then Capitalized income with payment type "AUTOPAY" on "04 January 2024" is forbidden with amount "100" while exceed approved amount + + When Loan Pay-off is made on "04 January 2024" + Then Loan's all installments have obligations met + + @TestRailId:C3779 + Scenario: Verify capitalized income with adjustment amount with disbursement amount within approved over applied amount with flat type for single disbursal loan - UC18 + When Admin sets the business date to "1 January 2024" + And Admin creates a client with random data + And Admin creates a fully customized loan with the following data: + | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | charge calculation type | charge amount % | + | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_FLAT_CAPITALIZED_INCOME | 01 January 2024 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | LOAN_DISBURSEMENT_CHARGE | 2 | + And Admin successfully approves the loan on "1 January 2024" with "1800" amount and expected disbursement date on "1 January 2024" + And Admin successfully disburse the loan on "1 January 2024" with "1500" EUR transaction amount + Then Loan status will be "ACTIVE" + When Admin sets the business date to "2 January 2024" + And Admin runs inline COB job for Loan + And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "2 January 2024" with "400" EUR transaction amount + Then Loan Repayment schedule has 6 periods, with the following data for periods: + | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | | | 01 January 2024 | | 1500.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | | | 02 January 2024 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | | + | 1 | 31 | 01 February 2024 | | 1587.86 | 312.14 | 11.01 | 0.0 | 0.0 | 323.15 | 0.0 | 0.0 | 0.0 | 323.15 | + | 2 | 29 | 01 March 2024 | | 1273.97 | 313.89 | 9.26 | 0.0 | 0.0 | 323.15 | 0.0 | 0.0 | 0.0 | 323.15 | + | 3 | 31 | 01 April 2024 | | 958.25 | 315.72 | 7.43 | 0.0 | 0.0 | 323.15 | 0.0 | 0.0 | 0.0 | 323.15 | + | 4 | 30 | 01 May 2024 | | 640.69 | 317.56 | 5.59 | 0.0 | 0.0 | 323.15 | 0.0 | 0.0 | 0.0 | 323.15 | + | 5 | 31 | 01 June 2024 | | 321.28 | 319.41 | 3.74 | 0.0 | 0.0 | 323.15 | 0.0 | 0.0 | 0.0 | 323.15 | + | 6 | 30 | 01 July 2024 | | 0.0 | 321.28 | 1.87 | 0.0 | 0.0 | 323.15 | 0.0 | 0.0 | 0.0 | 323.15 | + And Loan Repayment schedule has the following data in Total row: + | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | + | 1900.0 | 38.9 | 0.0 | 0.0 | 1938.9 | 0.0 | 0.0 | 0.0 | 1938.9 | + And Loan Transactions tab has the following data: + | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | + | 01 January 2024 | Disbursement | 1500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | + | 02 January 2024 | Capitalized Income | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 | 1900.0 | false | + And Loan Transactions tab has a "CAPITALIZED_INCOME" transaction with date "02 January 2024" which has the following Journal entries: + | Type | Account code | Account name | Debit | Credit | + | ASSET | 112601 | Loans Receivable | 400.0 | | + | LIABILITY | 145024 | Deferred Capitalized Income | | 400.0 | + Then Capitalized income with payment type "AUTOPAY" on "02 January 2024" is forbidden with amount "200" while exceed approved amount And Admin adds capitalized income adjustment with "AUTOPAY" payment type to the loan on "02 January 2024" with "200" EUR transaction amount And Loan Transactions tab has the following data: | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
