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[~Goutam] and Vishwas,
Can't we use calendar to store both Holidays and Non-Working days?
Ex: Non-Working days: Set calender event recurring on every Saturday and Sunday as non working day. This can be easily identified by type of event. As already system has pre-defined types of event, we need to add two more types
1) Holidays
2) Non-working days
So any events with above types can be used while preparing schedule for loan or disbursement date etc.