It is not possible to remove the instalments (Due / Non due) once the loan is active.
My question to you: - What happens to the principal portion , Charges (If any) of instalments you intended to remove? Thanks, Nazeer On Sun, Jan 4, 2026 at 11:33 PM Bhaskar Tiwari <[email protected]> wrote: > Hi Bharath, > Thank you for your response—this is helpful. > However, I have one key scenario I would like to clarify. I want to keep > the existing loan active with only the installments that are already due > (or up to a certain point) and remove the not-yet-due future installments. > Based on those removed future installments, I would then like to create a > new loan. > Could you please advise if there is a supported way in Fineract to achieve > this behavior? > > > > ------------------------------ > *From:* Bharath Gowda <[email protected]> > *Sent:* Sunday, January 4, 2026 12:04 PM > *To:* [email protected] <[email protected]> > *Subject:* Re: Query: Splitting an Existing Loan and Creating a New Loan > for Remaining Installments > > Hi Bhaskar, > > You can explore the following options to see if it meet your requirements. > > 1. To use the Top-up loan feature in Fineract > A top-up loan allows you to create another loan from the existing loan. > You can refer to this > <https://docs.mifos.org/mifosx/user-manual/for-administrators-mifos-x-platform/administration/products/loan-products/loan-product-fields/configuring-and-disbursing-of-top-up-loan> > document > for more information > > 2. Write off and re-create a loan > This can be an effective workaround where you can write--off the loan as > of the 8th installment date and create a new loan with just 4 installments > and the previous principal balance. > The only thing you need to verify is the accounting entries if you are > using Fineract accounting. > You can refer to this > <https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/how-to-write-off-a-loan-account#to-write-off-a-loan-account> > document > for more information > > > > Let me know if you have any questions > > > > Regards, > Bharath > Lead Implementation Analyst | Mifos Initiative > PMC Member | Apache Fineract > Mobile: +91.7019635592 > http://mifos.org * <http://facebook.com/mifos>* * > <http://www.twitter.com/mifos>* > > > On Fri, Jan 2, 2026 at 9:32 AM Bhaskar Tiwari <[email protected]> > wrote: > > Hello Fineract Community, > I am currently using the Apache Fineract application and have a question > regarding loan restructuring. > I have created a monthly installment loan with a total of 15 installments. > The repayment schedule is as follows: > > - Installments 1 - 4: Fully paid > - Installments 5 – 8: Due and not yet paid > - Installments 9 – 12: Not yet due > > For reference, the original loan schedule looks like this: > Installment No. > Due Date > Paid status > 1 > 31-May-25 > Paid > 2 > 30-Jun-25 > Paid > 3 > 31-Jul-25 > Paid > 4 > 31-Aug-25 > Paid > 5 > 30-Sep-25 > Due > 6 > 31-Oct-25 > Due > 7 > 30-Nov-25 > Due > 8 > 31-Dec-25 > Due > 9 > 31-Jan-26 > Not yet due > 10 > 28-Feb-26 > Not yet due > 11 > 31-Mar-26 > Not yet due > 12 > 30-Apr-26 > Not yet due > > Due to certain business reasons, I would now like to do the following: > > 1. Remove installments 9 to 12 from the existing loan which are not > due yet. > 2. Create a new loan with: > - Disbursement date as today (the date when this activity is > performed). > - Repayment schedule consisting only of installments 9 to 12 from > the original loan. > > In other words, the first loan should retain installments 1 to 8, and a > new loan should be created for the remaining future installments (9 to 12). > I would like to understand: > > - Whether this is possible in Fineract. > - If so, what is the recommended approach (API, loan rescheduling, > refinance, write-off and rebook, or any other supported method). > > Any guidance, documentation references, or best practices would be greatly > appreciated. > Thank you for your support. > > Regards, > Bhaskar Tiwari > > > > > *"Print this mail only if absolutely necessary. Save Paper. Save Trees."* * > Disclaimer: *“This electronic mail message sent from StrideOne (Stride > Fintree Private Limited) may contain Confidential/Restricted/Internal > information and should only be viewed by the intended recipients. Under no > circumstances may any such information be disclosed, copied, used or > distributed to any unauthorized persons or entities without the written > consent of Strideone. If you are not the intended recipient, any review, > retransmission, dissemination or reliance on the content of these materials > is strictly prohibited and may be the subject of legal action. If you > received this email in error, please notify the sender and delete the > message immediately.” > > > > *"Print this mail only if absolutely necessary. Save Paper. Save Trees."* * > Disclaimer: *“This electronic mail message sent from StrideOne (Stride > Fintree Private Limited) may contain Confidential/Restricted/Internal > information and should only be viewed by the intended recipients. Under no > circumstances may any such information be disclosed, copied, used or > distributed to any unauthorized persons or entities without the written > consent of Strideone. If you are not the intended recipient, any review, > retransmission, dissemination or reliance on the content of these materials > is strictly prohibited and may be the subject of legal action. If you > received this email in error, please notify the sender and delete the > message immediately.” >
