diff --git a/api/application/controllers/PD_Controller.php b/api/application/controllers/PD_Controller.php
index 97f50f69..7b3ebcce 100644
--- a/api/application/controllers/PD_Controller.php
+++ b/api/application/controllers/PD_Controller.php
@@ -772,7 +772,7 @@ class PD_Controller extends REST_Controller {
 			 
 			 // $client = new \GuzzleHttp\Client();
 			 // $response = $client->post($url);
-			 SMS_GUPSHUP::sendSMS($msg,$no);
+			 SMS_GUPSHUP::sendSMS($msg,$no,array('pd_id' => $pd_details['pd_id'],'status' => 'STARTED','msg' => 'Started OTP msg from PD controlller'));
 
 		}
 		
@@ -7030,7 +7030,7 @@ class PD_Controller extends REST_Controller {
 			if(count($pd_data))
 			{
 
-				$report_data = file_get_contents($this->external_path.'/pd_reports/'.$pd_data[0]['pd_id'].'/'.$pd_data[0]['pd_report_html_filename']);
+				$report_data = file_get_contents($this->external_path.'/pd_reports/'.$pd_data[0]['pd_id'].'/'.$pd_data[0]['pd_report_html_filename'].'.html');
 				$temp_file_path = APPPATH.'views/pd_reports/'. $pd_data[0]['pd_id'] .'/temp.html';
 				
 				if(!file_exists($temp_file_path))
diff --git a/api/application/helpers/inlinephototransform_helper.php b/api/application/helpers/inlinephototransform_helper.php
index 030a5588..12454ec9 100644
--- a/api/application/helpers/inlinephototransform_helper.php
+++ b/api/application/helpers/inlinephototransform_helper.php
@@ -129,7 +129,7 @@ class INLINEPHOTOTRANSFORM
 				
 					$temp_base64_string = $base64;
 					$title = $doc_name;
-					$external_path = $CI->config->item('extrenal_data_path');
+					$external_path = $CI->config->item('external_data_path');
 					$output_file = $external_path."/pd_reports/". $pd_details[0]['pd_id'] ."/temp_base64_image.jpeg";
 					
 					EXTERNAL_DIR_CHECK::checkExternalDirectory($pd_details[0]['pd_id']);
diff --git a/api/application/helpers/pdscore_helper.php b/api/application/helpers/pdscore_helper.php
index 5b0b668f..f39367ba 100644
--- a/api/application/helpers/pdscore_helper.php
+++ b/api/application/helpers/pdscore_helper.php
@@ -524,7 +524,7 @@ class PDSCORE
 					
 					
 					$vintage_of_business_account_for_display = explode('.',($score_questions['business']['vintage_of_business_account']));
-					$vintage_of_business_account_for_display = ($vintage_of_business_account_for_display[0] != 0 ? $vintage_of_business_account_for_display[0].' Yrs ' : '') . ($vintage_of_business_account_for_display[1] != 0 ? $vintage_of_business_account_for_display[1].' Mns ' : '');
+					$vintage_of_business_account_for_display = ($vintage_of_business_account_for_display[0] != 0 ? $vintage_of_business_account_for_display[0].' Yrs ' : '') . (isset($vintage_of_business_account_for_display[1]) && $vintage_of_business_account_for_display[1] != 0 ? $vintage_of_business_account_for_display[1].' Mns ' : '');
 					
 					$score_questions['business']['vintage_of_business_account'] = array('l1_weightage' => $l1_business,'l2_weightage' => ($business_activity_has_seen_L2),'answer' => $vintage_of_business_account_for_display,'attributed_score' => ($vintage_of_business_account_actual_score), 'max_score' => ($vintage_of_business_account_max_score),'distributed_weightage' => $business_distribute_level_weightage,'score_band' => $score_band,'max_score_band' => max($vintage_of_business_account));
 				/*-----------END OF BUSINESS SECTION -----------*/
diff --git a/api/application/views/report_templates/JSONTOREPORT.php b/api/application/views/report_templates/JSONTOREPORT.php
index 3f04c951..ef4c4511 100644
--- a/api/application/views/report_templates/JSONTOREPORT.php
+++ b/api/application/views/report_templates/JSONTOREPORT.php
@@ -2221,14 +2221,16 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			
 			<?php 
 			$bankingResult=array();
-			
+			$is_business_banking_available = null;
 			if(isset($pd_processed_forms[21][$business_count]))
 			{
 			// business banking
 			$bbRow  = $pd_processed_forms[21][$business_count] ;
 					$businessBankRow = json_decode($bbRow['processed_json'],true);
-					//print_r($businessBankRow);die();
 					$business_banking_common_remarks = $businessBankRow['banking_form_remark'];
+					if(isset($businessBankRow['bank_info_available']) && $businessBankRow['bank_info_available'] == 1)
+					{
+					$is_business_banking_available = 1;
 					if(count($businessBankRow['banking_details'])>0){
 						$getEachValues['is_od_cc'] = null;
 						foreach($businessBankRow['banking_details'] as $bd){ if($bd['account_type']== 4 || $bd['account_type']== 3){ $getEachValues['is_od_cc'] = true; } }
@@ -2236,14 +2238,15 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 						$bankingResult = array_merge($bankingResult,$getEachValues);
 					
 					}
+				}
 			
 			?>
 			
 			<?php 
+			echo '<h3 contenteditable="true">Business Banking:</h3>';
+			if($is_business_banking_available != null){ ?>
 			
-			if(count($bankingResult)>0){ ?>
 			
-			<h3 contenteditable="true">Business Banking:</h3>
 			<table class="scorecard_table">
 			<thead>
 			<tr>
@@ -2310,13 +2313,17 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			$to_no_of_clients = 0;
 			$done_on_credit = 0;
 			$name_of_the_company = '';
+			$is_client_details_available = null;
 			if(isset($pd_processed_forms[2][$business_count]))
 			{
-			$cRow = $pd_processed_forms[2][$business_count]; 
-			$clientRow = json_decode($cRow['processed_json'],true);
-
-			$client_form_remarks = isset($clientRow['supplier_info_form_remark']) ? $clientRow['supplier_info_form_remark'] : '';
-			$name_of_the_company = MYUTIL::findCompanyName($all_company_details,$clientRow['company_id'],1);
+				$cRow = $pd_processed_forms[2][$business_count]; 
+				$clientRow = json_decode($cRow['processed_json'],true);
+				$client_form_remarks = isset($clientRow['supplier_info_form_remark']) ? $clientRow['supplier_info_form_remark'] : '';
+				if(isset($clientRow['client_info_available']) && $clientRow['client_info_available'] == 1)
+				{	
+					$is_client_details_available = 1;
+				
+				$name_of_the_company = MYUTIL::findCompanyName($all_company_details,$clientRow['company_id'],1);
 					// $bindEachResult["company_name"]=MYUTIL::findCompanyName($all_company_details,$clientRow['company_id'],1);
 					// $getmanufacturing = array();
 					// $getTrading=array();
@@ -2461,6 +2468,7 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 							$client_seventh_row .= $service_product['service_provider_product_credit_days_from'] && $service_product['service_provider_product_credit_days_to']? '<td class="customtd">'. $service_product['service_provider_product_credit_days_from'].' to '. $service_product['service_provider_product_credit_days_to'].' days'.'</td>' :'<td class="customtd"> NIL </td>' ;
 							
 						}
+					}
 	
 					}
 					}
@@ -2480,7 +2488,7 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			
 			<?php 
 			echo "<h3>Client Details</h3>";
-			if($to_no_of_clients > 0 )
+			if($is_client_details_available != null)
 			{
 			
 			
@@ -2571,14 +2579,18 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			//
 		$supplierResult=array();
 		$supplier_form_remarks = '';
+		$is_supplier_details_avaialable = null;
 			if(isset($pd_processed_forms[1][$business_count]))
 			{
 				
-			$supplier_details = $pd_processed_forms[1][$business_count];
+				$supplier_details = $pd_processed_forms[1][$business_count];
 					$supplierRow = json_decode($supplier_details['processed_json'],true);
-					//print_r($supplierRow);die();
+					
 					$supplier_form_remarks = (isset($supplierRow['supplier_info_form_remark']) ? $supplierRow['supplier_info_form_remark'] : '');
 					
+					if(isset($supplierRow['supplier_info_available']) && $supplierRow['supplier_info_available'] == 1)
+					{
+						$is_supplier_details_avaialable = 1;
 					$company_name_for_supplier_form_dispaly = MYUTIL::findCompanyName($all_company_details,$supplierRow['company_id'],1);
 					//$supplierResult['company_name'] = $company_name;
 					$total_no_of_suppliers = 0;
@@ -2737,14 +2749,14 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 					array_push($supplierResult,$temp);
 						
 					//}	
-					//}
+					}//}
 				
 				}
 			}
 			// echo "dsfnsdkfnj**********";
 			 //print_r($supplierResult);die();
 		echo '<h3 contenteditable="true">Supplier Details</h3>'	;
-		if($total_no_of_suppliers > 0)
+		if($is_supplier_details_avaialable != null)
 			{
 			?>
 			
@@ -3052,7 +3064,7 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			<h3 contenteditable="true">Future Plan and Business Environment</h3>
 			<table class="scorecard_table">
 			<thead>
-				<tr> <th>Details</th> <th>Particulars</th> </tr>
+				<tr> <th>Particulars</th> <th>Details</th> </tr>
 			</thead>
 			<tbody>
 			<?php
@@ -3446,23 +3458,27 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			<?php 
 				
 			$otherAssetResult=array();
+			$is_personal_info_available = null;
 			foreach($pd_processed_forms[4] as $rowKey=> $oaRow) {
 					$otherAssetRow = json_decode($oaRow['processed_json'],true);
-					//print_r($otherAssetRow);
-					//echo "@@@@@@@@@@@@@@@@@@@@@@@@@@@@";
 					$other_assest_common_remrks = $otherAssetRow['assets_form_remark'];
+					if(isset($otherAssetRow['asset_info_available']) && $otherAssetRow['asset_info_available'] == 1)
+					{
+					$is_personal_info_available = 1;
+					
 					if(count($otherAssetRow['assets_details'])>0){
 						$otherAssetResult=ASSETSFORM::getOthersAssetsDetails($otherAssetRow['assets_details']);
 						
 						//print_r($otherAssetResult);
 					}
+				}
 			}
 			?>
 			<div id="page_break"></div>
 			<h3 contenteditable="">Personal Assets</h3>
 			<?php 
 			//print_r($otherAssetResult);die();
-			if(count($otherAssetResult)>0){ ?>
+			if($is_personal_info_available != null){ ?>
 			<table class="scorecard_table">
 			<thead>
 			<tr>
@@ -3502,23 +3518,26 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			<!-- start individual banking section -->
 			<?php 
 			$bankingResult=array();
-
+			$is_personal_banking_available = null;
 			// individual banking
 			foreach($pd_processed_forms[7] as $rowKey=> $ibRow) {
 				$individualBankRow = json_decode($ibRow['processed_json'],true);
-				//print_r($individualBankRow);
 				$ind_banking_common_remarks = $individualBankRow['banking_form_remark'];
+				if(isset($individualBankRow['bank_info_available']) && $individualBankRow['bank_info_available'] == 1)
+				{
+				
 				if(count($individualBankRow['banking_details'])>0){
 					$getIndividualEachValues=BANKINGFORM::getIndividualBankingDetails($individualBankRow['banking_details']);
 					$bankingResult = array_merge($bankingResult,$getIndividualEachValues);
 
 				}
+				}
 			}
 			
 			
 			?>
 			<h3 contenteditable="true">Personal Banking: </h3>
-			<?php if(count($bankingResult)>0){ 
+			<?php if($is_personal_banking_available != null){ 
 			//print_r($bankingResult);
 			?>
 			<p>Below bank account details were shared :</p>
@@ -3551,8 +3570,10 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			</table>
 			<?php 
 
-			if($ind_banking_common_remarks != ''){echo '<p>'.$ind_banking_common_remarks.'</p>'; }	
-			} ?>
+			
+			}
+
+			if($ind_banking_common_remarks != ''){echo '<p>'.$ind_banking_common_remarks.'</p>'; }	?>
 			
 
 			<!-- #################end business / individual banking section #################-->
@@ -3564,18 +3585,22 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 			//
 			
 			$otherIncomeResult=array();
+			$is_other_income_available = null;
 			foreach($pd_processed_forms[9] as $rowKey=> $iRow) {
 					$otherIcomeRow = json_decode($iRow['processed_json'],true);
-					// print_r($otherIcomeRow);
 					$other_source_income_common_remarks = $otherIcomeRow['otherincome_remarks'];
-					if(strtoupper($otherIcomeRow['other_income'])=='YES' && count($otherIcomeRow['income_details'])>0){
-						$otherIncomeResult=OTHERINCOMEFORM::getIncomeDetails($otherIcomeRow['income_details']);
-					}
+					
+						
+						if(strtoupper($otherIcomeRow['other_income'])=='YES' && count($otherIcomeRow['income_details'])>0){
+							$is_other_income_available = 1;
+							$otherIncomeResult=OTHERINCOMEFORM::getIncomeDetails($otherIcomeRow['income_details']);
+						
+				}
 			}
 			?>
 			<br>
 			<h3 contenteditable="true">Other Sources of Income of Individual Loan Applicants:</h3>
-			<?php if(count($otherIncomeResult)>0){ 
+			<?php if($is_other_income_available != null){ 
 			//print_r($otherIncomeResult);
 			?>
 			
@@ -3685,20 +3710,22 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 				<?php 
 				//
 				$existLoanResult=array();
+				$is_existing_loans_available = null;
 				foreach($pd_processed_forms[8] as $rowKey=> $elRow) {
 						$otherLoanRow = json_decode($elRow['processed_json'],true);
-						//print_r($otherLoanRow);
 						$existing_loan_form_common_remarks = $otherLoanRow['currentloan_remarks'];
-						$total_no_of_data = 0;
-						if(strtoupper($otherLoanRow['existing_loan'])=='YES' && count($otherLoanRow['loan_details'])>0){
-							$total_no_of_data = count($otherLoanRow['loan_details']);
-							$existLoanResult=FINANCIALFORM::getOtherLoanDetails($otherLoanRow['loan_details']);
-						}
+							$total_no_of_data = 0;
+							if(strtoupper($otherLoanRow['existing_loan'])=='YES' && count($otherLoanRow['loan_details'])>0){
+								$is_existing_loans_available = 1;
+								$total_no_of_data = count($otherLoanRow['loan_details']);
+								$existLoanResult=FINANCIALFORM::getOtherLoanDetails($otherLoanRow['loan_details']);
+							}
+					
 				}
 				?>
 				<br>
 				<h3 contenteditable="true">Existing loan obligation</h3>
-				<?php if(count($existLoanResult)>0){
+				<?php if($is_existing_loans_available != null){
 					//print_r($existLoanResult);
 				
 				?>
@@ -3800,7 +3827,8 @@ defined('BASEPATH') OR exit('No direct script access allowed');
 				}
 				else{?>
 					<!-- <p>Status of check: Could Not Verify. <br>Neighbour Check was not possible due to Could not verify</p> -->
-					<p>Neighbour Check was not possible due to Could not verify</p>
+					<!-- <p>Neighbour Check was not possible due to Could not verify</p> -->
+					<p>Status of the check: could not verify.<p>
 						
 				<?php