diff --git a/app/Models/PolicyTransactionModel.php b/app/Models/PolicyTransactionModel.php
index c62fa4cc..7f3ca607 100644
--- a/app/Models/PolicyTransactionModel.php
+++ b/app/Models/PolicyTransactionModel.php
@@ -648,9 +648,15 @@
 
                     ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) AS premium_wo_gst,
 
-                    ROUND((ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) * 18 / 100), 2) AS gst_amount,
+                    ROUND((ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) * 18 / 100), 2) AS gst_amount_velmurugan,
 
-                    ROUND((ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) + ROUND((ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) * 18 / 100), 2)), 2) AS total_premium,
+                    ROUND((ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) + ROUND((ROUND((pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) * 18 / 100), 2)), 2) AS total_premium_velmurugan,
+
+                    ROUND(COALESCE(tep_gst_amt, 0) + COALESCE(bp_gst_amt, 0) + COALESCE(tp_amt, 0),2) AS gst_amount,
+
+                    ROUND(ROUND(pt_co_share_details.cop_amt + pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt, 2) + 
+                          ROUND(COALESCE(tep_gst_amt, 0) + COALESCE(bp_gst_amt, 0) + COALESCE(tp_amt, 0),2),
+                    2) AS total_premium,
 
                     ROUND((pt_co_share_details.cotp_amt + pt_co_share_details.cotep_amt), 2) AS tp_or_ter,
 
diff --git a/app/Views/client_policy.php b/app/Views/client_policy.php
index 7d4c6f17..080c1e87 100755
--- a/app/Views/client_policy.php
+++ b/app/Views/client_policy.php
@@ -345,8 +345,7 @@ input:checked + .slider_blue::before {
     </div>
 </div><!-- /.modal -->
 
-<script>  
-
+<script>    
     // $('#inception_type').change(function () {
     //     var open_data = $('#open_date').parent();
     //     var close_data = $('#close_date').parent();
@@ -368,8 +367,6 @@ input:checked + .slider_blue::before {
     var policy_PrimaryKey = $('#client_id_policy').val();
     var policy_client = $('#policy_PrimaryKey').val();
     var submitInterval = null;
-    let insurer_data = <?= json_encode($insurer ?? []) ?>;
-
 
 
     $(document).ready(function() {
@@ -886,14 +883,6 @@ input:checked + .slider_blue::before {
                 $('#tpa').prop('required', true);
                 $('#tpa_danger').show()
             }
-
-            var select = $('#insurer');
-            let category = insurer_category[policy_type_id] ?? null;
-            console.log('insurer_category', category);
-
-            if(select && category){
-                appendInsurerByCategory(insurer_data, select, category);
-            }
         });
     });
 
diff --git a/app/Views/report_bds.php b/app/Views/report_bds.php
index e33df6df..0ef98b05 100644
--- a/app/Views/report_bds.php
+++ b/app/Views/report_bds.php
@@ -151,12 +151,28 @@ table.dataTable tbody td {
                             <td class="right-align-input"><?php echo $row['agreed_tp_or_ter_per'];?>&nbsp;%</td>
                             <td class="right-align-input" style="display: none;"><?php echo isset($row['reward']) ? $row['reward'] : '0.00'; ?></td>
 
-                            <?php $total_irda_amt =  empty($row['total_irda_amt']) ? $row['exp_amt'] : $row['total_irda_amt']; ?>
+                            <?php  
+                                    // Below Line its old version i am removed. reason no value ['total_irda_amt'] means taken as ['exp_amt'] so. 
+                                    // LN156 - $total_irda_amt =  empty($row['total_irda_amt']) ? $row['exp_amt'] : $row['total_irda_amt'];  
+                                    // Here i am compare [total_irda_amt] and [exp_amt] i am print the larger value.
+                                    // both are equal, print either value. 
+                                    // both are zero , empty/null , any one is empty or null means => i am print 0.00.
+                                    // REF : Velmurugan but he told handle in query
+                                    // Date : 6/11/25 12:50
+                                    $irda_amt = isset($row['total_irda_amt']) && $row['total_irda_amt'] !== '' ? (float)$row['total_irda_amt'] : 0;
+                                    $exp_amt = isset($row['exp_amt']) && $row['exp_amt'] !== '' ? (float)$row['exp_amt'] : 0;
+                                    $max_amount = max($irda_amt, $exp_amt);
+                                    $total_irda_amt =  number_format($max_amount, 2, '.', ''); ?>
                             <td class="right-align-input" onclick="showCoShareStatementDetails(this)" data-id="<?= $row['pt_id'] ?>"><?php echo $total_irda_amt; ?></td>
                             <td class="right-align-input"><?php echo empty($row['billed_amt']) ? '0.00' : $row['billed_amt'] ?></td>
                             <!-- <td class="right-align-input"><?php echo empty($row['unbilled_amt']) ? '0.00' : $row['unbilled_amt']?></td> -->
                             <?php 
-                            $unbilled_amt = $row['total_irda_amt'] - $row['billed_amt'];
+                            // Below Line its old version so commanded reason they direct taken as ['total_irda_amt'] from array.
+                            // $unbilled_amt = $row['total_irda_amt'] - $row['billed_amt']; 
+                            // now stored total_irda_amt value taken here 
+                            // REF : Velmurugan but he told handle in query
+                            // Date : 6/11/25 12:50
+                            $unbilled_amt = $total_irda_amt - $row['billed_amt']; 
                             $unbilled_amt = $unbilled_amt == 0 && $row['billed_amt'] == 0 ? $total_irda_amt : $unbilled_amt ;
                             ?>
                             <td class="right-align-input"><?php echo number_format((float)$unbilled_amt,2, '.', '')?></td>