diff --git a/api/application/controllers/SMC_Credit_PD_Controller.php b/api/application/controllers/SMC_Credit_PD_Controller.php
index 612e09ae..f361d9e2 100644
--- a/api/application/controllers/SMC_Credit_PD_Controller.php
+++ b/api/application/controllers/SMC_Credit_PD_Controller.php
@@ -1307,28 +1307,12 @@ public function filterSalesPDList_post() {
 	{
 		$records = $this->post('records');
 	  	$pd_master_data = $this->PD_Model->getPDMasterDetails($records['pd_id'],$records['random_string']);
-	  	$cur_section_data = array();
+	  	// $cur_section_data = array();
+	  	$cur_section_data = $this->loadDataFromExcelBusiProcess($pd_master_data,(isset($records['form_id']) && $records['form_id'] ? $records['form_id'] : null));
 	  	 // print_r($pd_master_data);die();
 	  	// echo $records['form_id'];die();
 	  	//check excel file in local, otherwise get it from s3 and store locallly
-	  	$filename = ($pd_master_data[0]['re_uploaded'] ? XLPATH.'/tmp/'.$pd_master_data[0]['re_uploaded_file_name'] : XLPATH.'/tmp/'.$pd_master_data[0]['modified_fname']);
-
-	  	// $filename = XLPATH.'/tmp/mySMCPD_client_working.xlsx';
-	  	// $filename = 'C:\Users\Venba\Downloads\Kathir Info Pvt.xlsx';
-	  	// echo $filename;die();
-	  	if(!file_exists($filename))
-	  	{
-
-	  		//echo 'getting it from s3';
-	  		$bucket_name = LENDER_BUCKET_NAME_PREFIX.$pd_master_data[0]['fk_lender_id'];
-	  		$key = 'tmp/'. ($pd_master_data[0]['re_uploaded'] ? $pd_master_data[0]['re_uploaded_file_name'] : $pd_master_data[0]['modified_fname']);
-	  		$singed_uri = $this->aws_s3->getSingleObjectInaBucketAsSignedURI($bucket_name,$key,'+5 minutes');
-	  		//echo $singed_uri;	
-	  		$sucess = file_put_contents($filename, file_get_contents($singed_uri));
-	  		
-	  		//echo '*'.$sucess;
-	  	}
-	  	$cur_section_data = readexceldata::getExcelSectionData($filename,(isset($records['form_id']) && $records['form_id'] ? $records['form_id'] : null),$records['pd_id']);
+	  	
 	  
 	  	
 	  	if(count($cur_section_data))
@@ -1349,6 +1333,29 @@ public function filterSalesPDList_post() {
 	}
 
 
+	function loadDataFromExcelBusiProcess($pd_master_data,$form_id)
+	{
+		$filename = ($pd_master_data[0]['re_uploaded'] ? XLPATH.'/tmp/'.$pd_master_data[0]['re_uploaded_file_name'] : XLPATH.'/tmp/'.$pd_master_data[0]['modified_fname']);
+
+	  	// $filename = XLPATH.'/tmp/mySMCPD_client_working.xlsx';
+	  	// $filename = 'C:\Users\Venba\Downloads\Kathir Info Pvt.xlsx';
+	  	// echo $filename;die();
+	  	if(!file_exists($filename))
+	  	{
+
+	  		//echo 'getting it from s3';
+	  		$bucket_name = LENDER_BUCKET_NAME_PREFIX.$pd_master_data[0]['fk_lender_id'];
+	  		$key = 'tmp/'. ($pd_master_data[0]['re_uploaded'] ? $pd_master_data[0]['re_uploaded_file_name'] : $pd_master_data[0]['modified_fname']);
+	  		$singed_uri = $this->aws_s3->getSingleObjectInaBucketAsSignedURI($bucket_name,$key,'+5 minutes');
+	  		//echo $singed_uri;	
+	  		$sucess = file_put_contents($filename, file_get_contents($singed_uri));
+	  		
+	  		//echo '*'.$sucess;
+	  	}
+	  	return $cur_section_data = readexceldata::getExcelSectionData($filename,$form_id,$pd_master_data[0]['pd_id']);
+	}
+
+
 	public function getSMCPDImgSectionData_post()
 	{
 		$rand_string = $this->post('rand_string');
@@ -1461,20 +1468,37 @@ public function filterSalesPDList_post() {
 
 		$view_data['pd_master_details'] = $this->PD_Model->getPDMasterDetails($records['pd_id']);
 		$view_data['applicant_details'] = $this->PD_Model->getApplicantsDetails($records['pd_id']);
-		$pd_section_data = $this->SMC_Credit_PD_Model->selectCustomRecords(array('*'),array('isactive' => 1,'fk_pd_id' => $records['pd_id']),SMC_CREDIT_PD_SECTION_DATA,array(),'','fk_form_id','ASC');
+		//$pd_section_data = $this->SMC_Credit_PD_Model->selectCustomRecords(array('*'),array('isactive' => 1,'fk_pd_id' => $records['pd_id']),SMC_CREDIT_PD_SECTION_DATA,array(),'','fk_form_id','ASC');
+		$pd_section_data = $this->SMC_Credit_PD_Model->getSMCTemplateForPD($records['pd_id'],$view_data['pd_master_details'][0]['fk_product_id'],null,null,'REPORT');
 		 // print_r ($view_data['pd_master_details']);die();
-		 // print_r($pd_section_data[12]);die();
+		// print_r($pd_section_data);die();
+		$forms_data_to_be_get_direct_from_excel_sheet = array(3,9,10,15);
 		if(count($pd_section_data))
 		{
 			foreach ($pd_section_data as $key => $value) 
 			{
+				
+				if(isset($value['json']) && $value['json'] != '')
+				{
 				$value['json'] = smc_creditpd::getSMCCreditPDReportContent($value,$records['pd_id']);
 				// if($value['fk_form_id'] == 2){print_r($value['json']);die();}
 				$view_data['pd_section_data'][$value['fk_form_id']] = $value['json'];
+				}
+				else
+				{
+					
+					if(in_array($value['fk_form_id'],$forms_data_to_be_get_direct_from_excel_sheet))
+					{
+						$data_from_excel = $this->loadDataFromExcelBusiProcess($view_data['pd_master_details'],$value['fk_form_id']);
+						//print_r($data_from_excel);die();
+						$view_data['pd_section_data'][$value['fk_form_id']] = $data_from_excel;
+
+					}
+				}
 				//die();
 			}
 		}
-		  // print_r($view_data['pd_section_data'][1]);die();
+		  // print_r($view_data['pd_section_data'][15]);die();
 		$view_data['smc_images'] = $this->SMC_Credit_PD_Model->selectCustomRecords(array('doc_id', 'fk_smc_credit_pd_id','img','img_name','isactive'),array('fk_smc_credit_pd_id' => $records['pd_id'],'isactive' => 1,'img_name!=' => 'satellite'),SMC_CREDIT_PD_DOCS);
 		$view_data['satellite'] = $this->SMC_Credit_PD_Model->selectCustomRecords(array('doc_id', 'fk_smc_credit_pd_id','img','img_name','isactive'),array('fk_smc_credit_pd_id' => $records['pd_id'],'isactive' => 1,'img_name=' => 'satellite'),SMC_CREDIT_PD_DOCS);
 		//print_r(count($view_data['smc_images']));die();
@@ -1513,7 +1537,7 @@ public function filterSalesPDList_post() {
 			// die();
 		//score card part
 		$html_content =  $this->load->view('smc_creditpd_reports/MWISE',$view_data,true);
-		 // echo $html_content;die();
+		 //echo $html_content;die();
 		$pdf_name = $view_data['pd_master_details'][0]['main_applicant'];
 		$pdf_doc = $this->pdfgenerator->generate($html_content, $filename='version', $stream=false, $paper = 'A4', $orientation = "portrait");
 				//End of PDF Gen using DOM PDF
diff --git a/api/application/helpers/readexceldata_helper.php b/api/application/helpers/readexceldata_helper.php
index 479f9456..2d795b50 100644
--- a/api/application/helpers/readexceldata_helper.php
+++ b/api/application/helpers/readexceldata_helper.php
@@ -172,7 +172,33 @@ class readexceldata
 		$return_data = SELF::transformRowColumsForMultipleData($return_data,$keys);
 		 if(SELF::$current_section_id == 10)
 		 {
-		 	$return_data['financial_info'] = array_reverse($return_data['financial_info']);
+		 	
+		 	//implement financial  calculations
+		 	$pre_yr_fin_data = array();
+		 	if(isset($return_data['financial_info']) && count($return_data['financial_info']) >= 1)
+		 	{
+		 		$return_data['financial_info'] = array_reverse($return_data['financial_info']);
+		 		$return_data['financial_info_available'] = 'yes';
+
+		 		foreach ($return_data['financial_info'] as $fy_key => $fy_value) 
+		 		{
+		 			
+					$net_profit_sales_percent = (isset($fy_value['sales_revenue']) && is_numeric($fy_value['sales_revenue']) && isset($fy_value['net_profit']) && is_numeric($fy_value['net_profit']) ? (($fy_value['net_profit'] / $fy_value['sales_revenue']) * 100): 0.00);
+		 			$return_data['financial_info'][$fy_key]['net_profit_sales_percent'] = number_format($net_profit_sales_percent,2,'.','');	
+		 			
+		 			$return_data['financial_info'][$fy_key]['sales_py'] = ($fy_key == 0 ? 'NA' : number_format ((($fy_value['sales_revenue'] - $pre_yr_fin_data['sales_revenue']) / $pre_yr_fin_data['sales_revenue']),2,'.',''));
+		 			
+		 			$return_data['financial_info'][$fy_key]['netprofit_py'] = ($fy_key == 0 ? 'NA' : number_format ((($fy_value['net_profit'] - $pre_yr_fin_data['net_profit']) / $pre_yr_fin_data['net_profit']	),2,'.',''));
+		 			
+		 			$return_data['financial_info'][$fy_key]['netprofit_py_percent'] = ($fy_key == 0 ? 'NA' : number_format((($net_profit_sales_percent - $pre_yr_fin_data['net_profit_sales_percent']) / $pre_yr_fin_data['net_profit_sales_percent']),2,'.',''));
+
+
+		 			$pre_yr_fin_data = $fy_value;
+		 			$pre_yr_fin_data['net_profit_sales_percent'] = $net_profit_sales_percent;
+		 		}
+		 	}
+
+		 	
 		 	
 		 	$return_data['broken_period_turnover_percent'] = SELF::getNumFormat($return_data['broken_period_turnover_percent'],'per');
 		 	// $return_data['net_profit_to_sales_percent'] = SELF::getNumFormat($return_data['net_profit_to_sales_percent'],'per');
diff --git a/api/application/models/PD_Model.php b/api/application/models/PD_Model.php
index 4e3f9438..fbfeab33 100644
--- a/api/application/models/PD_Model.php
+++ b/api/application/models/PD_Model.php
@@ -1407,8 +1407,21 @@ class PD_Model extends SPARQ_Model {
 				  }
 			}
 	
-	
-	
+	//change loan form name to facility form name if lender id cFPL
+			// print_r($pd_master_detials);die();
+	if($pd_master_detials[0]['lender_short_name'] == 'CFPL')
+	{
+
+		foreach ($template_forms as $k => $val) 
+		{
+			if($val['form_id'] == 10)
+			{
+				$template_forms[$k]['form_name'] = 'Facility Details';
+				break;			
+			}
+		}
+	}		
+	// print_r($template_forms);die();
 	
 	$result_data['question_answers'] = array();;   
 	$result_data['counts'] = array();
diff --git a/api/application/models/SMC_Credit_PD_Model.php b/api/application/models/SMC_Credit_PD_Model.php
index 20f9b63e..da6667bf 100644
--- a/api/application/models/SMC_Credit_PD_Model.php
+++ b/api/application/models/SMC_Credit_PD_Model.php
@@ -61,6 +61,10 @@ class SMC_Credit_PD_Model extends SPARQ_Model {
             $table = CREDITPDTEMPLATE.' as CREDITPDTEMPLATE';
            // $table = SMC_CREDIT_PD_FORMS.' as SMC_CREDIT_PD_FORMS';
             $fields = array('SMC_CREDIT_PD_FORMS.form_name','CREDITPDTEMPLATE.pd_form_id as fk_form_id','CREDITPDTEMPLATE.fk_product_id','SMC_CREDIT_PD_SECTION_DATA.fk_pd_id','if(SMC_CREDIT_PD_SECTION_DATA.json is not null,true,false) as is_answered','SMC_CREDIT_PD_SECTION_DATA.is_reupload_data_fetched','SMC_CREDIT_PD_FORMS.complete_check_enabled');
+            if($api == 'REPORT')
+            {
+                $fields = array('SMC_CREDIT_PD_FORMS.form_name','CREDITPDTEMPLATE.pd_form_id as fk_form_id','CREDITPDTEMPLATE.fk_product_id','SMC_CREDIT_PD_SECTION_DATA.fk_pd_id','SMC_CREDIT_PD_SECTION_DATA.json','if(SMC_CREDIT_PD_SECTION_DATA.json is not null,true,false) as is_answered','SMC_CREDIT_PD_SECTION_DATA.is_reupload_data_fetched','SMC_CREDIT_PD_FORMS.complete_check_enabled');
+            }
             $joins = array(
                             array('table'=>SMC_CREDIT_PD_SECTION_DATA." as SMC_CREDIT_PD_SECTION_DATA",'condition'=>"SMC_CREDIT_PD_SECTION_DATA.fk_form_id = CREDITPDTEMPLATE.pd_form_id AND CREDITPDTEMPLATE.fk_product_id  = $product_id AND SMC_CREDIT_PD_SECTION_DATA.fk_pd_id = $pd_id and SMC_CREDIT_PD_SECTION_DATA.isactive = 1 " ,'jointype'=>'LEFT'),
                             array('table'=>SMC_CREDIT_PD_FORMS." as SMC_CREDIT_PD_FORMS",'condition'=>"CREDITPDTEMPLATE.pd_form_id  = SMC_CREDIT_PD_FORMS.form_id" ,'jointype'=>'INNER JOIN')
diff --git a/api/application/views/report_templates/JSONTOREPORT_DI_AI.php b/api/application/views/report_templates/JSONTOREPORT_DI_AI.php
index 9daabac3..764242ae 100644
--- a/api/application/views/report_templates/JSONTOREPORT_DI_AI.php
+++ b/api/application/views/report_templates/JSONTOREPORT_DI_AI.php
@@ -1,5 +1,6 @@
 <?php
 defined('BASEPATH') OR exit('No direct script access allowed'); 
+$loan_word = $pd_master_details[0]['lender_short_name'] != 'CFPL' ? 'Loan' : 'Facility';
 
 ?>
 
@@ -545,7 +546,7 @@ if ( isset($pdf) ) {
 			echo '<tr><td>PD Visit Date </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['pd_visit_date'].'</td></tr>';
 			echo '<tr><td>PD Report Date </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['pd_report_generated_date'].'</td></tr>';
 			echo '<tr><td>PD Initiated by </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['branch_name'].' Branch</td></tr>';
-			echo '<tr><td>Loan Application ID </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['lender_applicant_id'].'</td></tr>';
+			echo '<tr><td>'.$loan_word.' Application ID </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['lender_applicant_id'].'</td></tr>';
 			echo '<tr><td>Product </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['product_name'].'</td></tr>';
 			echo '<tr><td>Customer Segment </td>  <td style="width:2%;">:</td> <td>'.(explode('-',$pd_master_details[0]['customer_segment_name'])[0]).'</td></tr>';
 			?>
@@ -555,7 +556,7 @@ if ( isset($pdf) ) {
 			<?php
 			//echo "<p>Loan Amount Applied For : </p>";
 			//echo '<table align="center">
-					echo '<tr> <td >Loan Amount<br>(As Per PD Initiation) </td> <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px">₹</span>' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')</span></td> </tr><tr> <td>Loan Amount<br>(As Per Loan Applicants during PD)</td>  <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px;word-wrap:break-word">₹</span>' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($loan_form['loan_amount']) .')</span></td> </tr>';
+					echo '<tr> <td >'.$loan_word.' Amount<br>(As Per PD Initiation) </td> <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px">₹</span>' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')</span></td> </tr><tr> <td>'.$loan_word.' Amount<br>(As Per '.$loan_word.' Applicants during PD)</td>  <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px;word-wrap:break-word">₹</span>' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($loan_form['loan_amount']) .')</span></td> </tr>';
 					echo '</tbody></table>';
 				 //echo "<div class='page_break'></div>";
 				 echo "<br><br>";
@@ -711,7 +712,7 @@ if ( isset($pdf) ) {
 			
 			<br>
 			
-			<p contenteditable="true"><b>Loan Applicants:</b></p>
+			<p contenteditable="true"><b><?php echo $loan_word;?> Applicants:</b></p>
 			<table class="scorecard_table">
 			
 			<tr> <th>Name</th> <th>Age<br>(Yrs/Mns)</th> <th>Qualification / Type of Entity</th> <th>Relationships</th> </tr>
@@ -1127,7 +1128,7 @@ if ( isset($pdf) ) {
 				if($business_assets_details['business_assets_for_address'][0]['business_month'] != ""){ $yrs_being_run.= ' and '.$business_assets_details['business_assets_for_address'][0]['business_month'].' Months';}
 				
 				echo '<p style="text-align:justify;">';
-				echo 'The PD visit was done at <span class="tooltip">'. $address_type. '<span class="tooltiptext">Address Form -  Type of Address </span></span> of the loan applicants.';
+				echo 'The PD visit was done at <span class="tooltip">'. $address_type. '<span class="tooltiptext">Address Form -  Type of Address </span></span> of the '.strtolower($loan_word).' applicants.';
 				echo 'The <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is <span class="tooltip">'.$property_owner_type.'<span class="tooltiptext">Business Assest Form -  Owner of the Property </span></span> and the business has been in operation from here for the last <span class="tooltip">'.$yrs_being_run.'<span class="tooltiptext">Business Assest Form - Business running Yrs in this premise </span></span>.';
 				echo '<br><br>The <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is located in <span class="tooltip">'.$locality.'<span class="tooltiptext">Address Form -  Locality of Address </span></span> '.($estimated_area != 0? 'and the estimated area of the <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is <span class="tooltip">'.$estimated_area.'<span class="tooltiptext">Address Form -  Estimated Area </span></span> .' : '');
 				echo '<br><br><span contenteditable="true">The PD location was </span><span class="tooltip">'. $pd_address['pd_location_master'].'<span class="tooltiptext">Address Form -  Approach to PD location </span></span>. ' . '<span contenteditable="true">As Per PD Officer, the</span> <span class="tooltip">'.$address_type .'<span class="tooltiptext">Address Form -  Type of Address </span></span> <span contenteditable="true">is situated in</span><span class="tooltip"> '.$comment_locality_master .'<span class="tooltiptext">Address Form -  Comment on locality </span></span> <span contenteditable="true">Locality.</span>';
@@ -1225,12 +1226,12 @@ if ( isset($pdf) ) {
 
 
 <!-- #######################  Loan Details Details Section   ############################-->					 
-			<p contenteditable="true"><b>LOAN DETAILS:</b></p> 
+			<p contenteditable="true"><b><?php echo strtoupper($loan_word)?> DETAILS:</b></p> 
 				<?php
 				
 				//print_r($loan_form);die();
 				$loan_amount = MYUTIL::customIndianNumberFormat($loan_form['loan_amount']);
-				echo '<span>During the PD visit, person met provide the following information about loan applied for:</span>';
+				echo '<span>During the PD visit, person met provide the following information about '.strtolower($loan_word).' applied for:</span>';
 
 				$is_current_product_bl = $pd_master_details[0]['prod_catagory'] == "BL" ? true: false;
 				$is_current_product_lab = $pd_master_details[0]['prod_catagory'] == "LAP" ? true: false;
@@ -1241,13 +1242,13 @@ if ( isset($pdf) ) {
 				// die();
 				$loan_table_dispaly_rows = array();
 				
-				$loan_table_dispaly_rows[] = array('particulars' => 'Total Loan Amount applied for','details' => "<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')');
+				$loan_table_dispaly_rows[] = array('particulars' => ('Total '.$loan_word.' Amount applied for'),'details' => "<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')');
 				if(($is_current_product_bl || $is_current_product_laep) && $pd_master_details[0]['lender_short_name'] != 'UDAAN')
 				{
 					$to_dispaly = !strcasecmp($loan_form['is_there_total_fund'], 'yes disclose') ? ('Disclosed '."<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".MYUTIL::customIndianNumberFormat($loan_form['fund_amt']).' ('.MYUTIL::numtowords($loan_form['fund_amt']).')'):'Not Disclosed';
 					$loan_table_dispaly_rows[] = array('particulars' => 'Total Fund Requirement','details' => $to_dispaly);
 				}
-				$loan_table_dispaly_rows[] = array('particulars' => 'Loan Tenure expected','details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided');
+				$loan_table_dispaly_rows[] = array('particulars' => ($loan_word.' Tenure expected'),'details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided');
 				
 				$end_use = '';
 				$to_remove_for = false;
@@ -1272,7 +1273,7 @@ if ( isset($pdf) ) {
 						}
 					}	
 				
-				$loan_table_dispaly_rows[] = array('particulars' => 'Loan Purpose','details' => $end_use);
+				$loan_table_dispaly_rows[] = array('particulars' => ($loan_word.' Purpose'),'details' => $end_use);
 				
 				if(strcasecmp($loan_form['is_transfer'],'no'))
 				{
@@ -1308,7 +1309,7 @@ if ( isset($pdf) ) {
 					}
 				}
 				
-				if($pd_master_details[0]['lender_short_name'] != 'UDAAN')
+				if($pd_master_details[0]['lender_short_name'] != 'UDAAN' || $pd_master_details[0]['lender_short_name'] != 'CFPL')
         {
           $loan_table_dispaly_rows[] = array('particulars' => 'EMI Comfortable Paying','details' => is_numeric($loan_form['emi_level']) && $loan_form['emi_level'] != 0? ($rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emi_level']).' ('.MYUTIL::numtowords($loan_form['emi_level']).')') : "Not Provided" );
         }
@@ -1356,7 +1357,7 @@ if ( isset($pdf) ) {
 				?>
 				<br><br>
 				<table class="scorecard_table_resonal_assest">
-				<tr> <th style="text-align:center;">S.No</th> <th>Loan Particulars</th> <th>Loan Particular Details</th> </tr>
+				<tr> <th style="text-align:center;">S.No</th> <th><?php echo $loan_word;?> Particulars</th> <th><?php echo $loan_word;?> Particular Details</th> </tr>
 				<tbody>
 				<?php
 				foreach($loan_table_dispaly_rows as $row_key => $row)
@@ -2298,7 +2299,7 @@ if($total_no_of_business > 0) {
 
 
 			}
-			else { if($pd_master_details[0]['fk_pd_type'] == 1) { echo "<p>Financial statements not provided by Loan Applicants to PD officer. </p>";} }
+			else { if($pd_master_details[0]['fk_pd_type'] == 1) { echo "<p>Financial statements not provided by ".$loan_word." Applicants to PD officer. </p>";} }
 			?>
 
 				
@@ -2317,7 +2318,7 @@ if($total_no_of_business > 0) {
 			<?php foreach($iterateFinance['customer_statements'] as $csRow){
 				if(!strcasecmp($csRow['estimate_net_margin_availablity'],'yes')){ 
 			?>
-			<p> As per Loan Applicant(s) met, the Financials are as below: </p>
+			<p> As per <?php echo $loan_word;?> Applicant(s) met, the Financials are as below: </p>
 			<table class="scorecard_table">
 			<thead>
 			<tr>
@@ -3908,7 +3909,7 @@ if($total_no_of_business > 0) {
 			<th>Asset Owned By</th>
 			<th>Approx Market Value(Rs)</th>
 			<th>Age of the Assest</th>
-			<th>Loan Again Assest</th>
+			<th><?php echo $loan_word?> Again Assest</th>
 			</tr>
 		</thead>
 			<tbody>
@@ -4019,7 +4020,7 @@ if($total_no_of_business > 0) {
 			}
 			?>
 			<br>
-			<h3 contenteditable="true">Other Sources of Income of Individual Loan Applicants:</h3>
+			<h3 contenteditable="true">Other Sources of Income of Individual <?php echo $loan_word;?> Applicants:</h3>
 			<?php if($is_other_income_available != null){ 
 			//print_r($otherIncomeResult);die();
 			?>
diff --git a/api/application/views/report_templates/JSONTOREPORT_DI_AI_SMARTPD.php b/api/application/views/report_templates/JSONTOREPORT_DI_AI_SMARTPD.php
index 92d4cac6..8e6a9bcb 100644
--- a/api/application/views/report_templates/JSONTOREPORT_DI_AI_SMARTPD.php
+++ b/api/application/views/report_templates/JSONTOREPORT_DI_AI_SMARTPD.php
@@ -1,5 +1,6 @@
 <?php
 defined('BASEPATH') OR exit('No direct script access allowed'); 
+$loan_word = $pd_master_details[0]['lender_short_name'] != 'CFPL' ? 'Loan' : 'Facility';
 
 ?>
 
@@ -552,7 +553,7 @@ if ( isset($pdf) ) {
 			echo '<tr><td>PD Visit Date </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['pd_visit_date'].'</td></tr>';
 			echo '<tr><td>PD Report Date </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['pd_report_generated_date'].'</td></tr>';
 			echo '<tr><td>PD Initiated by </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['branch_name'].' Branch</td></tr>';
-			echo '<tr><td>Loan Application ID </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['lender_applicant_id'].'</td></tr>';
+			echo '<tr><td>'.$loan_word.' Application ID </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['lender_applicant_id'].'</td></tr>';
 			echo '<tr><td>Product </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['product_name'].'</td></tr>';
 			echo '<tr><td>Customer Segment </td>  <td style="width:2%;">:</td> <td>'.(explode('-',$pd_master_details[0]['customer_segment_name'])[0]).'</td></tr>';
 			?>
@@ -562,7 +563,7 @@ if ( isset($pdf) ) {
 			<?php
 			//echo "<p>Loan Amount Applied For : </p>";
 			//echo '<table align="center">
-					echo '<tr> <td >Loan Amount<br>(As Per PD Initiation) </td> <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px">₹</span>' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')</span></td> </tr><tr> <td>Loan Amount<br>(As Per Loan Applicants during PD)</td>  <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px;word-wrap:break-word">₹</span>' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($loan_form['loan_amount']) .')</span></td> </tr>';
+					echo '<tr> <td >'.$loan_word.' Amount<br>(As Per PD Initiation) </td> <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px">₹</span>' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')</span></td> </tr><tr> <td>'.$loan_word.' Amount<br>(As Per '.$loan_word.' Applicants during PD)</td>  <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px;word-wrap:break-word">₹</span>' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($loan_form['loan_amount']) .')</span></td> </tr>';
 					echo '</tbody></table>';
 				 //echo "<div class='page_break'></div>";
 				 echo "<br><br>";
@@ -715,7 +716,7 @@ if ( isset($pdf) ) {
 			
 			<br>
 			
-			<p contenteditable="true"><b>Loan Applicants:</b></p>
+			<p contenteditable="true"><b><?php echo $loan_word;?> Applicants:</b></p>
 			<table class="scorecard_table">
 			
 			<tr> <th>Name</th> <th>Age<br>(Yrs/Mns)</th> <th>Qualification / Type of Entity</th> <th>Relationships</th> </tr>
@@ -1124,7 +1125,7 @@ if ( isset($pdf) ) {
 				if($business_assets_details['business_assets_for_address'][0]['business_month'] != ""){ $yrs_being_run.= ' and '.$business_assets_details['business_assets_for_address'][0]['business_month'].' Months';}
 				
 				echo '<p style="text-align:justify;">';
-				echo 'The PD visit was done at <span class="tooltip">'. $address_type. '<span class="tooltiptext">Address Form -  Type of Address </span></span> of the loan applicants.';
+				echo 'The PD visit was done at <span class="tooltip">'. $address_type. '<span class="tooltiptext">Address Form -  Type of Address </span></span> of the '.strtolower($loan_word).' applicants.';
 				echo 'The <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is <span class="tooltip">'.$property_owner_type.'<span class="tooltiptext">Business Assest Form -  Owner of the Property </span></span> and the business has been in operation from here for the last <span class="tooltip">'.$yrs_being_run.'<span class="tooltiptext">Business Assest Form - Business running Yrs in this premise </span></span>.';
 				echo '<br><br>The <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is located in <span class="tooltip">'.$locality.'<span class="tooltiptext">Address Form -  Locality of Address </span></span> '.($estimated_area != 0? 'and the estimated area of the <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is <span class="tooltip">'.$estimated_area.'<span class="tooltiptext">Address Form -  Estimated Area </span></span> .' : '');
 				echo '<br><br><span contenteditable="true">The PD location was </span><span class="tooltip">'. $pd_address['pd_location_master'].'<span class="tooltiptext">Address Form -  Approach to PD location </span></span>. ' . '<span contenteditable="true">As Per PD Officer, the</span> <span class="tooltip">'.$address_type .'<span class="tooltiptext">Address Form -  Type of Address </span></span> <span contenteditable="true">is situated in</span><span class="tooltip"> '.$comment_locality_master .'<span class="tooltiptext">Address Form -  Comment on locality </span></span> <span contenteditable="true">Locality.</span>';
@@ -1222,7 +1223,7 @@ if ( isset($pdf) ) {
 
 
 <!-- #######################  Loan Details Details Section   ############################-->					 
-			<p contenteditable="true"><b>LOAN DETAILS:</b></p> 
+			<p contenteditable="true"><b><?php echo $loan_word;?> DETAILS:</b></p> 
 				<?php
 				
 				//print_r($loan_form);die();
@@ -1238,13 +1239,13 @@ if ( isset($pdf) ) {
 				// die();
 				$loan_table_dispaly_rows = array();
 				
-				$loan_table_dispaly_rows[] = array('particulars' => 'Total Loan Amount applied for','details' => "<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')');
+				$loan_table_dispaly_rows[] = array('particulars' => ('Total '.$loan_word.' Amount applied for'),'details' => "<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')');
 				if(($is_current_product_bl || $is_current_product_laep) && $pd_master_details[0]['lender_short_name'] != 'UDAAN')
 				{
 					$to_dispaly = !strcasecmp($loan_form['is_there_total_fund'], 'yes disclose') ? ('Disclosed '."<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".MYUTIL::customIndianNumberFormat($loan_form['fund_amt']).' ('.MYUTIL::numtowords($loan_form['fund_amt']).')'):'Not Disclosed';
 					$loan_table_dispaly_rows[] = array('particulars' => 'Total Fund Requirement','details' => $to_dispaly);
 				}
-				$loan_table_dispaly_rows[] = array('particulars' => 'Loan Tenure expected','details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided');
+				$loan_table_dispaly_rows[] = array('particulars' => ($loan_word.' Tenure expected'),'details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided');
 				
 				$end_use = '';
 				$to_remove_for = false;
@@ -1269,7 +1270,7 @@ if ( isset($pdf) ) {
 						}
 					}	
 				
-				$loan_table_dispaly_rows[] = array('particulars' => 'Loan Purpose','details' => $end_use);
+				$loan_table_dispaly_rows[] = array('particulars' => ($loan_word.' Purpose'),'details' => $end_use);
 				
 				if(strcasecmp($loan_form['is_transfer'],'no'))
 				{
@@ -1305,7 +1306,7 @@ if ( isset($pdf) ) {
 					}
 				}
 				
-				if($pd_master_details[0]['lender_short_name'] != 'UDAAN')
+				if($pd_master_details[0]['lender_short_name'] != 'UDAAN' || $pd_master_details[0]['lender_short_name'] != 'CFPL')
         {
           $loan_table_dispaly_rows[] = array('particulars' => 'EMI Comfortable Paying','details' => is_numeric($loan_form['emi_level']) && $loan_form['emi_level'] != 0? ($rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emi_level']).' ('.MYUTIL::numtowords($loan_form['emi_level']).')') : "Not Provided" );
         }
@@ -1353,7 +1354,7 @@ if ( isset($pdf) ) {
 				?>
 				<br><br>
 				<table class="scorecard_table_resonal_assest">
-				<tr> <th style="text-align:center;">S.No</th> <th>Loan Particulars</th> <th>Loan Particular Details</th> </tr>
+				<tr> <th style="text-align:center;">S.No</th> <th><?php echo $loan_word;?> Particulars</th> <th><?php echo $loan_word;?> Particular Details</th> </tr>
 				<tbody>
 				<?php
 				foreach($loan_table_dispaly_rows as $row_key => $row)
@@ -2295,7 +2296,7 @@ if($total_no_of_business > 0) {
 
 
 			}
-			else { if($pd_master_details[0]['fk_pd_type'] == 1) { echo "<p>Financial statements not provided by Loan Applicants to PD officer. </p>";} }
+			else { if($pd_master_details[0]['fk_pd_type'] == 1) { echo "<p>Financial statements not provided by ".$loan_word." Applicants to PD officer. </p>";} }
 			?>
 
 				
@@ -2314,7 +2315,7 @@ if($total_no_of_business > 0) {
 			<?php foreach($iterateFinance['customer_statements'] as $csRow){
 				if(!strcasecmp($csRow['estimate_net_margin_availablity'],'yes')){ 
 			?>
-			<p> As per Loan Applicant(s) met, the Financials are as below: </p>
+			<p> As per <?php echo $loan_word;?> Applicant(s) met, the Financials are as below: </p>
 			<table class="scorecard_table">
 			<thead>
 			<tr>
@@ -3905,7 +3906,7 @@ if($total_no_of_business > 0) {
 			<th>Asset Owned By</th>
 			<th>Approx Market Value(Rs)</th>
 			<th>Age of the Assest</th>
-			<th>Loan Again Assest</th>
+			<th><?php echo $loan_word;?> Again Assest</th>
 			</tr>
 		</thead>
 			<tbody>
@@ -4016,7 +4017,7 @@ if($total_no_of_business > 0) {
 			}
 			?>
 			<br>
-			<h3 contenteditable="true">Other Sources of Income of Individual Loan Applicants:</h3>
+			<h3 contenteditable="true">Other Sources of Income of Individual <?php echo $loan_word;?> Applicants:</h3>
 			<?php if($is_other_income_available != null){ 
 			//print_r($otherIncomeResult);die();
 			?>
diff --git a/api/application/views/report_templates/JSONTOREPORT_DI_AI_TELE_PD.php b/api/application/views/report_templates/JSONTOREPORT_DI_AI_TELE_PD.php
index 7eda4ee5..a9218d9d 100644
--- a/api/application/views/report_templates/JSONTOREPORT_DI_AI_TELE_PD.php
+++ b/api/application/views/report_templates/JSONTOREPORT_DI_AI_TELE_PD.php
@@ -1,5 +1,6 @@
 <?php
-defined('BASEPATH') OR exit('No direct script access allowed'); 
+defined('BASEPATH') OR exit('No direct script access allowed');
+$loan_word = $pd_master_details[0]['lender_short_name'] != 'CFPL' ? 'Loan' : 'Facility'; 
 
 ?>
 
@@ -547,7 +548,7 @@ if ( isset($pdf) ) {
 			echo '<tr><td>PD Report Date </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['pd_report_generated_date'].'</td></tr>';
 			echo '<tr><td>PD Initiated by </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['branch_name'].' Branch</td></tr>';
       echo '<tr><td>PD Type </td> <td style="width:2%;">:</td> <td> Telephonic </td></tr>';
-			echo '<tr><td>Loan Application ID </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['lender_applicant_id'].'</td></tr>';
+			echo '<tr><td>'.$loan_word.' Application ID </td>  <td style="width:2%;">:</td> <td> '.$pd_master_details[0]['lender_applicant_id'].'</td></tr>';
 			echo '<tr><td>Product </td>  <td style="width:2%;">:</td> <td>'.$pd_master_details[0]['product_name'].'</td></tr>';
 			echo '<tr><td>Customer Segment </td>  <td style="width:2%;">:</td> <td>'.(explode('-',$pd_master_details[0]['customer_segment_name'])[0]).'</td></tr>';
 			?>
@@ -557,7 +558,7 @@ if ( isset($pdf) ) {
 			<?php
 			//echo "<p>Loan Amount Applied For : </p>";
 			//echo '<table align="center">
-					echo '<tr> <td >Loan Amount<br>(As Per PD Initiation) </td> <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px">₹</span>' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')</span></td> </tr><tr> <td>Loan Amount<br>(As Per Loan Applicants during PD)</td>  <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px;word-wrap:break-word">₹</span>' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($loan_form['loan_amount']) .')</span></td> </tr>';
+					echo '<tr> <td >'.$loan_word.' Amount<br>(As Per PD Initiation) </td> <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px">₹</span>' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')</span></td> </tr><tr> <td>'.$loan_word.' Amount<br>(As Per '.$loan_word.' Applicants during PD)</td>  <td style="width:2%;">:</td> <td><span style="font-family: DejaVu Sans; sans-serif;font-size:10px;word-wrap:break-word">₹</span>' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). '<br><span style="font-size:10px;">('. MYUTIL::numtowords($loan_form['loan_amount']) .')</span></td> </tr>';
 					echo '</tbody></table>';
 				 //echo "<div class='page_break'></div>";
 				 echo "<br><br>";
@@ -713,7 +714,7 @@ if ( isset($pdf) ) {
 			
 			<br>
 			
-			<p contenteditable="true"><b>Loan Applicants:</b></p>
+			<p contenteditable="true"><b><?php echo $loan_word;?> Applicants:</b></p>
 			<table class="scorecard_table">
 			
 			<tr> <th>Name</th> <th>Age<br>(Yrs/Mns)</th> <th>Qualification / Type of Entity</th> <th>Relationships</th> </tr>
@@ -1119,7 +1120,7 @@ if ( isset($pdf) ) {
 				if($business_assets_details['business_assets_for_address'][0]['business_month'] != ""){ $yrs_being_run.= ' and '.$business_assets_details['business_assets_for_address'][0]['business_month'].' Months';}
 				
 				echo '<p style="text-align:justify;">';
-				echo 'The PD was  telephonically done with the loan applicant(s) at <span class="tooltip">'. $address_type. '<span class="tooltiptext">Address Form -  Type of Address </span></span>. ';
+				echo 'The PD was  telephonically done with the '.strtolower($loan_word).' applicant(s) at <span class="tooltip">'. $address_type. '<span class="tooltiptext">Address Form -  Type of Address </span></span>. ';
 				echo 'The <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is <span class="tooltip">'.$property_owner_type.'<span class="tooltiptext">Business Assest Form -  Owner of the Property </span></span> and the business has been in operation from here for the last <span class="tooltip">'.$yrs_being_run.'<span class="tooltiptext">Business Assest Form - Business running Yrs in this premise </span></span>.';
 				echo '<br><br>The <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is located in <span class="tooltip">'.$locality.'<span class="tooltiptext">Address Form -  Locality of Address </span></span> '.($estimated_area != 0? 'and the estimated area of the <span class="tooltip">'.$address_type.'<span class="tooltiptext">Address Form -  Type of Address </span></span> is <span class="tooltip">'.$estimated_area.'<span class="tooltiptext">Address Form -  Estimated Area </span></span> .' : '');
 				// echo '<br><br><span contenteditable="true">The PD location was </span><span class="tooltip">'. $pd_address['pd_location_master'].'<span class="tooltiptext">Address Form -  Approach to PD location </span></span>. ' . '<span contenteditable="true">As Per PD Officer, the</span> <span class="tooltip">'.$address_type .'<span class="tooltiptext">Address Form -  Type of Address </span></span> <span contenteditable="true">is situated in</span><span class="tooltip"> '.$comment_locality_master .'<span class="tooltiptext">Address Form -  Comment on locality </span></span> <span contenteditable="true">Locality.</span>';
@@ -1229,7 +1230,7 @@ if ( isset($pdf) ) {
 
 
 <!-- #######################  Loan Details Details Section   ############################-->					 
-			<p contenteditable="true"><b>LOAN DETAILS:</b></p> 
+			<p contenteditable="true"><b><?php echo $loan_word;?> DETAILS:</b></p> 
 				<?php
 				
 				//print_r($loan_form);die();
@@ -1245,13 +1246,13 @@ if ( isset($pdf) ) {
 				// die();
 				$loan_table_dispaly_rows = array();
 				
-				$loan_table_dispaly_rows[] = array('particulars' => 'Total Loan Amount applied for','details' => "<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')');
+				$loan_table_dispaly_rows[] = array('particulars' => ('Total '.$loan_word.' Amount applied for'),'details' => "<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')');
 				if($is_current_product_bl || $is_current_product_laep)
 				{
 					$to_dispaly = !strcasecmp($loan_form['is_there_total_fund'], 'yes disclose') ? ('Disclosed '."<span style='font-family: DejaVu Sans; sans-serif;font-size:10px'>₹</span>"." ".MYUTIL::customIndianNumberFormat($loan_form['fund_amt']).' ('.MYUTIL::numtowords($loan_form['fund_amt']).')'):'Not Disclosed';
 					$loan_table_dispaly_rows[] = array('particulars' => 'Total Fund Requirement','details' => $to_dispaly);
 				}
-				$loan_table_dispaly_rows[] = array('particulars' => 'Loan Tenure expected','details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided');
+				$loan_table_dispaly_rows[] = array('particulars' => ($loan_word.' Tenure expected'),'details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided');
 				
 				$end_use = '';
 				$to_remove_for = false;
@@ -1276,7 +1277,7 @@ if ( isset($pdf) ) {
 						}
 					}	
 				
-				$loan_table_dispaly_rows[] = array('particulars' => 'Loan Purpose','details' => $end_use);
+				$loan_table_dispaly_rows[] = array('particulars' => ($loan_word.' Purpose'),'details' => $end_use);
 				
 				if(strcasecmp($loan_form['is_transfer'],'no'))
 				{
@@ -1357,7 +1358,7 @@ if ( isset($pdf) ) {
 				?>
 				<br><br>
 				<table class="scorecard_table_resonal_assest">
-				<tr> <th style="text-align:center;">S.No</th> <th>Loan Particulars</th> <th>Loan Particular Details</th> </tr>
+				<tr> <th style="text-align:center;">S.No</th> <th><?php echo $loan_word;?> Particulars</th> <th><?php echo $loan_word;?> Particular Details</th> </tr>
 				<tbody>
 				<?php
 				foreach($loan_table_dispaly_rows as $row_key => $row)
@@ -2319,7 +2320,7 @@ if($total_no_of_business > 0) {
 			<?php foreach($iterateFinance['customer_statements'] as $csRow){
 				if(!strcasecmp($csRow['estimate_net_margin_availablity'],'yes')){ 
 			?>
-			<p> As per Loan Applicant(s), the Financials are as below: </p>
+			<p> As per <?php echo $loan_word;?> Applicant(s), the Financials are as below: </p>
 			<table class="scorecard_table">
 			<thead>
 			<tr>
@@ -3907,7 +3908,7 @@ if($total_no_of_business > 0) {
 			<th>Asset Owned By</th>
 			<th>Approx Market Value(Rs)</th>
 			<th>Age of the Assest</th>
-			<th>Loan Again Assest</th>
+			<th><?php echo $loan_word; ?> Again Assest</th>
 			</tr>
 		</thead>
 			<tbody>
@@ -4018,7 +4019,7 @@ if($total_no_of_business > 0) {
 			}
 			?>
 			<br>
-			<h3 contenteditable="true">Other Sources of Income of Individual Loan Applicants:</h3>
+			<h3 contenteditable="true">Other Sources of Income of Individual <?php echo $loan_word; ?> Applicants:</h3>
 			<?php if($is_other_income_available != null){ 
 			//print_r($otherIncomeResult);die();
 			?>
diff --git a/api/application/views/smc_creditpd_reports/MWISE.php b/api/application/views/smc_creditpd_reports/MWISE.php
index b057c639..91bfcebd 100644
--- a/api/application/views/smc_creditpd_reports/MWISE.php
+++ b/api/application/views/smc_creditpd_reports/MWISE.php
@@ -979,7 +979,7 @@ $business_pd_visited_remark = (isset($pd_section_data[8]['business_pd_visited_re
 		?>
 	</tr>
 	<tr>
-		<td  colspan="7">Debtor days </td>
+		<td  colspan="7">Creditor Days </td>
 		<?php
 			
 			foreach ($pd_section_data[10]['financial_info'] as $fy_key => $fy_value) 
@@ -1013,9 +1013,9 @@ $business_pd_visited_remark = (isset($pd_section_data[8]['business_pd_visited_re
 </table>
 <table class="scorecard_table">
 	<tbody>
-		<?php echo '<tr> <td>Sales / Revenue ('.$rupee_symbol.') </td><td class="tdcenteralign">'.$rupee_symbol.' '. MYUTIL::customIndianNumberFormat($pd_section_data[10]['sales_amount']) .'</td> </tr>'?>
-		<?php echo '<tr> <td>Net Profit or (Net Loss) to Sales % </td><td class="tdcenteralign">'. ( $pd_section_data[10]['net_profit_to_sales_percent'] != ''? $pd_section_data[10]['net_profit_to_sales_percent'] : '-').'</td> </tr>'?>
-		<?php echo '<tr> <td>Net Profit / (Net Loss) ('.$rupee_symbol.') </td><td class="tdcenteralign">'.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($pd_section_data[10]['net_profit_rs']) .'</td> </tr>'?>
+		<?php echo '<tr> <td>Sales / Revenue ('.$rupee_symbol.') </td><td class="tdcenteralign">'.(isset($pd_section_data[10]['sales_amount']) && $pd_section_data[10]['sales_amount'] != '' ? $rupee_symbol.' '. MYUTIL::customIndianNumberFormat($pd_section_data[10]['sales_amount']) : '-') .'</td> </tr>'?>
+		<?php echo '<tr> <td>Net Profit or (Net Loss) to Sales % </td><td class="tdcenteralign">'. ( isset($pd_section_data[10]['net_profit_to_sales_percent']) && $pd_section_data[10]['net_profit_to_sales_percent'] != ''? $pd_section_data[10]['net_profit_to_sales_percent'] : '-').'</td> </tr>'?>
+		<?php echo '<tr> <td>Net Profit / (Net Loss) ('.$rupee_symbol.') </td><td class="tdcenteralign">'.(isset($pd_section_data[10]['net_profit_rs']) && $pd_section_data[10]['net_profit_rs'] != '' ? $rupee_symbol.' '.MYUTIL::customIndianNumberFormat($pd_section_data[10]['net_profit_rs']) : '-') .'</td> </tr>'?>
 		
 	</tbody>
 	</table><br>
@@ -1025,8 +1025,8 @@ $business_pd_visited_remark = (isset($pd_section_data[8]['business_pd_visited_re
 	</table>
 	<table class="scorecard_table">
 		<tbody>
-			<?php echo '<tr> <td class="tdcenteralign" colspan="2">Debtor Days</td> <td colspan="2" class="tdcenteralign"</td>'.$pd_section_data[10]['debtor_days_cm'].'<td colspan="2" class="tdcenteralign">Creditor Days</td> <td colspan="2" class="tdcenteralign">'.$pd_section_data[10]['creditor_days_cm'].'</td> <td colspan="2" class="tdcenteralign">Stock Days</td> <td colspan="2" class="tdcenteralign">'.$pd_section_data[10]['inventory_days_cm'].'</td> </tr>'?>
-			<?php echo '<tr> <td colspan="8" class="tdcenteralign">Does the business have any working capital facility from any lender other than Moneywise? (Yes / No)</td> <td colspan="4" class="tdcenteralign">'.$pd_section_data[10]['is_any_other_working_captial_facility'].'</td></tr>'?>
+			<?php echo '<tr> <td class="tdcenteralign" colspan="2">Debtor Days</td> <td colspan="2" class="tdcenteralign"</td>'.(isset($pd_section_data[10]['debtor_days_cm']) ? $pd_section_data[10]['debtor_days_cm'] : '-').'<td colspan="2" class="tdcenteralign">Creditor Days</td> <td colspan="2" class="tdcenteralign">'.( isset($pd_section_data[10]['creditor_days_cm']) ? $pd_section_data[10]['creditor_days_cm'] : '-').'</td> <td colspan="2" class="tdcenteralign">Stock Days</td> <td colspan="2" class="tdcenteralign">'.(isset($pd_section_data[10]['inventory_days_cm']) ? $pd_section_data[10]['inventory_days_cm'] : '-').'</td> </tr>'?>
+			<?php echo '<tr> <td colspan="8" class="tdcenteralign">Does the business have any working capital facility from any lender other than Moneywise? (Yes / No)</td> <td colspan="4" class="tdcenteralign">'.(isset($pd_section_data[10]['is_any_other_working_captial_facility']) ? $pd_section_data[10]['is_any_other_working_captial_facility'] : '-').'</td></tr>'?>
 			<?php 
 			if(isset($pd_section_data[10]['facility_details_specify']))
 			{
@@ -1297,7 +1297,7 @@ Business run by the applicant</td><td  colspan="4"><?php echo $pd_section_data[1
 		<tr>
 		<th colspan="10">Existing Loan Obligations</th>
 	</tr>
-	<?php if(isset($pd_section_data[15]['existing_loan_details']) && count($pd_section_data[15]['existing_loan_details']) && ($pd_section_data[15]['existing_loan_details'][0]['loan_type'] != '' && $pd_section_data[15]['existing_loan_details'][0]['lender_name'] != '' && $pd_section_data[15]['existing_loan_details'][0]['loan_amount'] != '')){?>
+	<?php if(isset($pd_section_data[15]['existing_loan_details']) && count($pd_section_data[15]['existing_loan_details']) && ($pd_section_data[15]['existing_loan_details'][0]['loan_type'] != '' && $pd_section_data[15]['existing_loan_details'][0]['loan_amount'] != '')){?>
 		<tr>
 		<th  colspan="1">Sr. No.</th>
 		<th  colspan="1">Loan<br>Type</th>
@@ -1316,7 +1316,7 @@ Business run by the applicant</td><td  colspan="4"><?php echo $pd_section_data[1
 		<?php 
 		foreach ($pd_section_data[15]['existing_loan_details'] as $key15 => $value15) 
 		{
-		echo '<tr><td class="tdcenteralign">'. ($key15 + 1) .'</td><td>'. $value15['loan_type'] .'</td><td>'.$rupee_symbol.MYUTIL::customIndianNumberFormat($value15['loan_amount']).'</td><td>'.$value15['lender_name'].'</td><td>'.$value15['loan_taken_by'].'</td><td class="tdcenteralign">'.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($value15['instalment_amount']).'</td><td class="tdcenteralign">'.$value15['instalment_frequency'].'</td><td class="tdcenteralign">'.($value15['original_tenure_months'] != '' ? $value15['original_tenure_months'] : 'NA').'</td><td class="tdcenteralign">'.($value15['current_tenure_months'] != '' ? $value15['current_tenure_months'] : 'NA').'</td><td class="tdcenteralign">'.($value15['elapsed_tenure_months'] != '' ? $value15['elapsed_tenure_months'] : 'NA') .'</td></tr>';
+		echo '<tr><td class="tdcenteralign">'. ($key15 + 1) .'</td><td>'. $value15['loan_type'] .'</td><td>'.$rupee_symbol.MYUTIL::customIndianNumberFormat($value15['loan_amount']).'</td><td class="tdcenteralign">'.($value15['lender_name'] != '' ? $value15['lender_name'] : 'NA').'</td><td>'.$value15['loan_taken_by'].'</td><td class="tdcenteralign">'.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($value15['instalment_amount']).'</td><td class="tdcenteralign">'.$value15['instalment_frequency'].'</td><td class="tdcenteralign">'.($value15['original_tenure_months'] != '' ? $value15['original_tenure_months'] : 'NA').'</td><td class="tdcenteralign">'.($value15['current_tenure_months'] != '' ? $value15['current_tenure_months'] : 'NA').'</td><td class="tdcenteralign">'.($value15['elapsed_tenure_months'] != '' ? $value15['elapsed_tenure_months'] : 'NA') .'</td></tr>';
 		}
 
 		}