ruzeynalov commented on code in PR #5825:
URL: https://github.com/apache/fineract/pull/5825#discussion_r3225336323
##########
fineract-e2e-tests-runner/src/test/resources/features/LoanCBR.feature:
##########
@@ -1789,3 +1789,202 @@ Feature: Credit Balance Refund
| 01 April 2025 | Disbursement | 243.79 | 0.0 | 0.0
| 0.0 | 0.0 | 243.79 | false | false |
| 01 April 2025 | Down Payment | 61.0 | 61.0 | 0.0
| 0.0 | 0.0 | 182.79 | false | false |
Then Loan status will be "ACTIVE"
+
+ @TestRailId:C78812
+ Scenario: Verify that Loan ends in correct state after CBR and backdated
Goodwill Credit with both totalOutstanding and totalOverpaid > 0
+ When Admin sets the business date to "02 September 2025"
+ And Admin creates a client with random data
+
+ # Migration loan: submitted & disbursed back-dated to 06 April 2025, 6
monthly installments
+ 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 |
+ |
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY_LI
| 06 April 2025 | 1316.49 | 12.2062 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6
| MONTHS | 1 | MONTHS | 6
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "06 April 2025" with "1316.49"
amount and expected disbursement date on "06 April 2025"
+ And Admin successfully disburse the loan on "06 April 2025" with "1316.49"
EUR transaction amount
+
+ # 4 backdated AUTOPAY repayments of 227.31 EUR (still on system date 02
September 2025)
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"06 May 2025" with 227.31 EUR transaction amount and system-generated
Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"06 June 2025" with 227.31 EUR transaction amount and system-generated
Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"06 July 2025" with 227.31 EUR transaction amount and system-generated
Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"06 August 2025" with 227.31 EUR transaction amount and system-generated
Idempotency key
+
+ # 5th installment via AUTOPAY on 06 September 2025
+ When Admin sets the business date to "06 September 2025"
+ And Admin runs inline COB job for Loan
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"06 September 2025" with 227.31 EUR transaction amount and system-generated
Idempotency key
+
+ # 6th installment via REAL_TIME on 02 October 2025
+ When Admin sets the business date to "02 October 2025"
+ And Admin runs inline COB job for Loan
+ And Customer makes "REPAYMENT" transaction with "REAL_TIME" payment type
on "02 October 2025" with 227.00 EUR transaction amount and system-generated
Idempotency key
+
+ # 3 MIRs (interestRefundCalculation=false) on 29 October 2025 → loan flips
to OVERPAID
+ When Admin sets the business date to "29 October 2025"
+ And Admin runs inline COB job for Loan
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY"
payment type on "29 October 2025" with 242.00 EUR transaction amount and
system-generated Idempotency key and interestRefundCalculation false
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY"
payment type on "29 October 2025" with 242.00 EUR transaction amount and
system-generated Idempotency key and interestRefundCalculation false
+ And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY"
payment type on "29 October 2025" with 30.49 EUR transaction amount and
system-generated Idempotency key and interestRefundCalculation false
+ Then Loan status will be "OVERPAID"
+
+ # 30 October 2025 → CBR 514.49
+ When Admin sets the business date to "30 October 2025"
+ And Admin runs inline COB job for Loan
+ And Admin makes Credit Balance Refund transaction on "30 October 2025"
with 514.49 EUR transaction amount
+
+ # 11 December 2025 → INTEREST_REFUND on MIR1 + backdated GOODWILL_CREDIT
(txn date 28 October 2025, BEFORE the MIRs)
+ When Admin sets the business date to "11 December 2025"
+ And Admin runs inline COB job for Loan
+ And Admin manually adds Interest Refund for "1"th "MERCHANT_ISSUED_REFUND"
transaction made on "29 October 2025" with 0.01 EUR interest refund amount
+ And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment
type on "28 October 2025" with 0.01 EUR transaction amount and system-generated
Idempotency key
+
+ # 12 December 2025 → CBR 27.92
+ When Admin sets the business date to "12 December 2025"
+ And Admin runs inline COB job for Loan
+ And Admin makes Credit Balance Refund transaction on "12 December 2025"
with 27.92 EUR transaction amount
+
+ # 16 December 2025 → INTEREST_REFUND on MIR2 & MIR3 + another backdated
GOODWILL_CREDIT
+ When Admin sets the business date to "16 December 2025"
+ And Admin runs inline COB job for Loan
+ And Admin manually adds Interest Refund for "2"th "MERCHANT_ISSUED_REFUND"
transaction made on "29 October 2025" with 0.01 EUR interest refund amount
+ And Admin manually adds Interest Refund for "3"th "MERCHANT_ISSUED_REFUND"
transaction made on "29 October 2025" with 0.01 EUR interest refund amount
+ And Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment
type on "28 October 2025" with 0.01 EUR transaction amount and system-generated
Idempotency key
+
+ # 17 December 2025 → final CBR 0.01 — should fully close the loan
+ When Admin sets the business date to "17 December 2025"
+ And Admin runs inline COB job for Loan
+ And Admin makes Credit Balance Refund transaction on "17 December 2025"
with 0.01 EUR transaction amount
+ Then Loan has 0.0 outstanding amount
+ And Loan has 0.0 overpaid amount
+ And Loan status will be "CLOSED_OBLIGATIONS_MET"
+ And 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 |
+ | | | 06 April 2025 | | 1316.49 |
| | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 06 May 2025 | 06 May 2025 | 1102.39 |
214.1 | 13.21 | 0.0 | 0.0 | 227.31 | 227.31 | 0.0 |
0.0 | 0.0 |
+ | 2 | 31 | 06 June 2025 | 06 June 2025 | 886.51 |
215.88 | 11.43 | 0.0 | 0.0 | 227.31 | 227.31 | 0.0 |
0.0 | 0.0 |
+ | 3 | 30 | 06 July 2025 | 06 July 2025 | 668.09 |
218.42 | 8.89 | 0.0 | 0.0 | 227.31 | 227.31 | 0.0 |
0.0 | 0.0 |
+ | 4 | 31 | 06 August 2025 | 06 August 2025 | 447.71 |
220.38 | 6.93 | 0.0 | 0.0 | 227.31 | 227.31 | 0.0 |
0.0 | 0.0 |
+ | 5 | 31 | 06 September 2025 | 06 September 2025 | 225.04 |
222.67 | 4.64 | 0.0 | 0.0 | 227.31 | 227.31 | 0.0 |
0.0 | 0.0 |
+ | 6 | 30 | 06 October 2025 | 02 October 2025 | 0.0 |
225.04 | 1.96 | 0.0 | 0.0 | 227.0 | 227.0 | 227.0 |
0.0 | 0.0 |
+ And Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1316.49 | 47.06 | 0.0 | 0.0 | 1363.55 | 1363.55 |
227.0 | 0.0 | 0.0 |
+
+ @TestRailId:C78851
+ Scenario: Verify that backdated GoodwillCredit on fully paid loan followed
by CBR closes the loan
+ When Admin sets the business date to "15 December 2025"
+ 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 |
+ |
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY_LI
| 01 January 2025 | 300 | 0 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3
| MONTHS | 1 | MONTHS | 3
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2025" with "300"
amount and expected disbursement date on "01 January 2025"
+ And Admin successfully disburse the loan on "01 January 2025" with "300"
EUR transaction amount
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"01 February 2025" with 100.00 EUR transaction amount and system-generated
Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"01 March 2025" with 100.00 EUR transaction amount and system-generated
Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"01 April 2025" with 100.00 EUR transaction amount and system-generated
Idempotency key
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ # Backdated GoodwillCredit dated BEFORE maturity (01 April 2025) on an
already-closed loan
+ When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment
type on "15 March 2025" with 0.50 EUR transaction amount and system-generated
Idempotency key
+ Then Loan status will be "OVERPAID"
+ And Loan has 0.0 outstanding amount
+ And Loan has 0.5 overpaid amount
+ # CBR equal to overpayment closes the loan; the schedule's last
installment must remain intact
+ When Admin makes Credit Balance Refund transaction on "15 April 2025" with
0.5 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ And Loan has 0.0 outstanding amount
+ And Loan has 0.0 overpaid amount
+ And Loan Repayment schedule has 3 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 2025 | | 300.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 February 2025 | 200.0 |
100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0
| 0.0 |
+ | 2 | 28 | 01 March 2025 | 01 March 2025 | 100.0 |
100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0
| 0.0 |
+ | 3 | 31 | 01 April 2025 | 01 April 2025 | 0.0 |
100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.5 | 0.0
| 0.0 |
+
+ @TestRailId:C78852
+ Scenario: Verify that Reverse-replay reduces overpayment so an earlier CBR
re-runs with principalPortion > 0
+ When Admin sets the business date to "15 December 2025"
+ 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 |
+ |
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY_LI
| 01 January 2025 | 300 | 0 |
DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3
| MONTHS | 1 | MONTHS | 3
| 0 | 0 | 0
| ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2025" with "300"
amount and expected disbursement date on "01 January 2025"
+ And Admin successfully disburse the loan on "01 January 2025" with "300"
EUR transaction amount
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"01 February 2025" with 100.00 EUR transaction amount and system-generated
Idempotency key
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"01 March 2025" with 100.00 EUR transaction amount and system-generated
Idempotency key
+ # Final repayment overpays by 50 EUR
+ And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on
"01 April 2025" with 150.00 EUR transaction amount and system-generated
Idempotency key
+ Then Loan status will be "OVERPAID"
+ And Loan has 50.0 overpaid amount
+ # CBR equals overpayment, after maturity → loan closes
+ When Admin makes Credit Balance Refund transaction on "15 April 2025" with
50 EUR transaction amount
+ Then Loan status will be "CLOSED_OBLIGATIONS_MET"
+ And Loan has 0.0 outstanding amount
+ # Reverse the SECOND repayment → reverse-replay re-runs the CBR with
smaller overpayment
+ When Customer undo "1"th repayment on "01 March 2025"
+ Then Loan status will be "ACTIVE"
+ And Loan has 100.0 outstanding amount
+ And Loan Repayment schedule has 4 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 2025 | | 300.0 |
| | 0.0 | | 0.0 | 0.0 | | |
|
+ | 1 | 31 | 01 February 2025 | 01 March 2025 | 200.0 | 100.0
| 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 |
0.0 |
+ | 2 | 28 | 01 March 2025 | 01 April 2025 | 100.0 | 100.0
| 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 |
0.0 |
+ | 3 | 31 | 01 April 2025 | | 0.0 | 100.0
| 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 0.0 | 0.0 |
50.0 |
+ | 4 | 14 | 15 April 2025 | | 0.0 | 50.0
| 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 0.0 | 0.0 |
50.0 |
+
+ @TestRailId:C78853
+ Scenario: Verify CBR + backdated GoodwillCredit on NEXT_INSTALLMENT product
closes the loan
Review Comment:
@galovics Done. C78812 and C78853 are now a single Scenario Outline
parameterised on the loan-product cell
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