Github user pramodn02 commented on a diff in the pull request:

    https://github.com/apache/incubator-fineract/pull/76#discussion_r60884862
  
    --- Diff: 
fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/data/LoanTermVariationsDataWrapper.java
 ---
    @@ -55,26 +55,34 @@ public LoanTermVariationsDataWrapper(final 
List<LoanTermVariationsData> exceptio
             dueDateIterator = this.dueDateVariation.listIterator();
         }
     
    -    public boolean hasVariation(final LocalDate date) {
    +    public boolean hasVariation(final LocalDate date, final Boolean 
isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled) {
             ListIterator<LoanTermVariationsData> iterator = this.iterator;
    -        return hasNext(date, iterator);
    +        return hasNext(date, iterator, 
isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled);
         }
     
    -    private boolean hasNext(final LocalDate date, 
ListIterator<LoanTermVariationsData> iterator) {
    +    private boolean hasNext(final LocalDate date, 
ListIterator<LoanTermVariationsData> iterator, 
    +            final Boolean 
isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled) {
             boolean hasVariation = false;
             if (iterator.hasNext()) {
                 LoanTermVariationsData loanTermVariationsData = 
iterator.next();
    -            if 
(!loanTermVariationsData.getTermApplicableFrom().isAfter(date)) {
    -                hasVariation = true;
    +            if (!isChangeEmiIfRepaymentDateSameAsDisbursementDateEnabled) {
    --- End diff --
    
    you can modify the effective date of emi amount  with the configuration.. 
no need to check all the time


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