diff --git a/api/application/controllers/SMC_Credit_PD_Controller.php b/api/application/controllers/SMC_Credit_PD_Controller.php
index 8dbf9ee8..c8d41b40 100644
--- a/api/application/controllers/SMC_Credit_PD_Controller.php
+++ b/api/application/controllers/SMC_Credit_PD_Controller.php
@@ -1575,7 +1575,7 @@ public function filterSalesPDList_post() {
// print_r($view_data);
// 25 "product_abbr": "NBFC/MFI",
if($view_data['pd_master_details'][0]['product_abbr'] == "NBFC/MFI"){
- $html_content = $this->load->view('smc_creditpd_reports/MWISE2',$view_data,true);
+ $html_content = $this->load->view('smc_creditpd_reports/NBFC',$view_data,true);
}else{
$html_content = $this->load->view('smc_creditpd_reports/MWISE',$view_data,true);
}
diff --git a/api/application/helpers/loanform_helper.php b/api/application/helpers/loanform_helper.php
index 8ab4eeb1..9c42fe75 100644
--- a/api/application/helpers/loanform_helper.php
+++ b/api/application/helpers/loanform_helper.php
@@ -1,10 +1,9 @@
₹";
$facility_amt = MYUTIL::customIndianNumberFormat($loan_form['facility_amount']);
$monthly_business_anchor_amt = MYUTIL::customIndianNumberFormat($loan_form['monthly_business_anchor']);
$average_invoicevalue_amt = MYUTIL::customIndianNumberFormat($loan_form['average_invoicevalue']);
@@ -31,17 +30,17 @@ public static function getanchordetails($loan_form){
// else if($mnt != '' && $yr == ''){ $yrandmnt = $mnt; }
// else{ $yrandmnt = '-';}
- $anchor_details_display[] = array('particulars' => "Facility Amount Applied For (₹)",'details' => "₹ "." ".$facility_amt.' ('.MYUTIL::numtowords($loan_form['facility_amount']).')');
+ $anchor_details_display[] = array('particulars' => "Facility Amount Applied For (₹)",'details' => $rupee_symbol." ".$facility_amt.' ('.MYUTIL::numtowords($loan_form['facility_amount']).')');
$anchor_details_display[] = array('particulars' => "Name of Anchor",'details' => $loan_form['anchor_name']);
$anchor_details_display[] = array('particulars' => "Applicant's association vintage with the Anchor Year",'details' => $loan_form['vintage_anchor_year']);
$anchor_details_display[] = array('particulars' => "Applicant's association vintage with the Anchor Month",'details' => $loan_form['vintage_anchor_month']);
// $anchor_details_display[] = array('particulars' => "Applicant's association vintage with the Anchor Year and Month",'details' => $yrandmnt );
- $anchor_details_display[] = array('particulars' => "Monthly business (sale/purchase) with the Anchor (₹)",'details' => "₹ "." ".$monthly_business_anchor_amt.' ('.MYUTIL::numtowords($loan_form['monthly_business_anchor']).')');
+ $anchor_details_display[] = array('particulars' => "Monthly business (sale/purchase) with the Anchor (₹)",'details' => $rupee_symbol." ".$monthly_business_anchor_amt.' ('.MYUTIL::numtowords($loan_form['monthly_business_anchor']).')');
$anchor_details_display[] = array('particulars' => "Business concentration with Anchor",'details' => $loan_form['business_concentration'].' %');
$anchor_details_display[] = array('particulars' => "Credit period with the Anchor (Days)",'details' => $loan_form['credit_period_days']);
$anchor_details_display[] = array('particulars' => "Payment Mechanism",
'details' => $payment_mechanism_arr[$loan_form['payment_mechanism']]);
- $anchor_details_display[] = array('particulars' => "Average Invoice Value (₹)",'details' => "₹ "." ".$average_invoicevalue_amt.' ('.MYUTIL::numtowords($loan_form['average_invoicevalue']).')');
+ $anchor_details_display[] = array('particulars' => "Average Invoice Value (₹)",'details' => $rupee_symbol." ".$average_invoicevalue_amt.' ('.MYUTIL::numtowords($loan_form['average_invoicevalue']).')');
$anchor_details_display[] = array('particulars' => "Are there peak seasons for the business with Anchor",'details' => ucfirst($loan_form['peakseasons_anchor']));
if($loan_form['peakseasons_anchor']=='yes')
{
@@ -52,7 +51,7 @@ public static function getanchordetails($loan_form){
if($loan_form['anchor_notes']=='yes'){
$anchor_details_display[] = array('particulars' => "Reason for such debit/credit notes",'details' => ucfirst($loan_form['debitcredit_notes']) );
}
- $anchor_details_display[] = array('particulars' => "Value of stock related to Anchor (₹)",'details' => "₹ "." ".$stock_related_amt.' ('.MYUTIL::numtowords($loan_form['stock_related_anchor']).')');
+ $anchor_details_display[] = array('particulars' => "Value of stock related to Anchor (₹)",'details' => $rupee_symbol." ".$stock_related_amt.' ('.MYUTIL::numtowords($loan_form['stock_related_anchor']).')');
$anchor_details_display[] = array('particulars' => "Observations on Sample Invoices",'details' => $loan_form['sample_invoices'] );
return $anchor_details_display;
// print_r($anchor_details_display);
diff --git a/api/application/views/report_templates/JSONTOREPORT_DI_AI.php b/api/application/views/report_templates/JSONTOREPORT_DI_AI.php
index 42b72c7c..a52e9603 100644
--- a/api/application/views/report_templates/JSONTOREPORT_DI_AI.php
+++ b/api/application/views/report_templates/JSONTOREPORT_DI_AI.php
@@ -1308,11 +1308,10 @@ if ( isset($pdf) ) {
$loan_table_dispaly_rows[] = array('particulars' => 'Source of Own Contribution','details' => $source_of_own_contribution );
}
}
-
- if($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" );
- }
+ 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" );
+ }
if(!$is_current_product_bl && !$is_current_product_laep)
{
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 c09caf9e..5ebac9b7 100644
--- a/api/application/views/report_templates/JSONTOREPORT_DI_AI_SMARTPD.php
+++ b/api/application/views/report_templates/JSONTOREPORT_DI_AI_SMARTPD.php
@@ -1306,7 +1306,7 @@ if ( isset($pdf) ) {
}
}
- if($pd_master_details[0]['lender_short_name'] != 'UDAAN' || $pd_master_details[0]['lender_short_name'] != 'CFPL')
+ if(!($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" );
}
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 88ad07df..cd76177c 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
@@ -1312,8 +1312,8 @@ if ( isset($pdf) ) {
$loan_table_dispaly_rows[] = array('particulars' => 'Source of Own Contribution','details' => $source_of_own_contribution );
}
}
-
- $loan_table_dispaly_rows[] = array('particulars' => 'EMI Comfortable Paying','details' => is_numeric($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" );
+ 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" );}
if(!$is_current_product_bl && !$is_current_product_laep)
{
diff --git a/api/application/views/smc_creditpd_reports/NBFC.php b/api/application/views/smc_creditpd_reports/NBFC.php
new file mode 100644
index 00000000..dc70418f
--- /dev/null
+++ b/api/application/views/smc_creditpd_reports/NBFC.php
@@ -0,0 +1,594 @@
+↑';
+ $downarrow = '↓ ';
+ $dash = ' ';
+ // $product_name = $master[0]['abbr'];
+ $rupee_symbol = "₹ ";
+ //print_r($master[0]['abbr']);die();
+?>
+
+
+
+
+
+
+
+
+
+
+ Personal Discussion Sheet -
+
+
+ Application ID
+
+
+
+
+ Name of the Company/Firm
+
+
+
+
+
+
+ Name of Person Met During Visit and Contact Number
+
+
+
+
+
+
+
+
+ City
+ State
+ PIN
+
+ Actual PD Address '.$pd_section_data[2]['alternative_address'].' ';
+ }
+
+ $ownership_type = '';
+ if( isset($pd_section_data[8]['business_ownership_type']) && (strtolower($pd_section_data[8]['business_ownership_type'])) == 'owned')
+ {
+ $ownership_type = '( Owned )';
+ }
+ else if(isset($pd_section_data[8]['business_ownership_type']) && (strtolower($pd_section_data[8]['business_ownership_type'])) == 'rented')
+ {
+ $ownership_type = ' ( Rented ) - Rent paid '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($pd_section_data[8]['business_monthly_rented_amt']);
+ }
+
+ echo ' Address Type / Ownership '.$pd_section_data[2]['address_type']['address_type'].$ownership_type.' ';
+ if(isset($pd_section_data[8]['is_business_address']) && strtolower($pd_section_data[8]['is_business_address']) == 'yes')
+ {
+ echo ' Period for which business has been '.($pd_section_data[8]['business_years'].' Year(s)'.(isset($pd_section_data[8]['business_months']) && $pd_section_data[8]['business_months'] != '' ? ' & ' . $pd_section_data[8]['business_months'] .' Month(s)': '')).' ';
+ }
+ echo ' PD locality '.$pd_section_data[2]['pd_locality']['locality_name'].' ';
+ echo ' Location Approach '.$pd_section_data[2]['pd_location']['description'].' ';
+ echo ' Comment On Locality '.$pd_section_data[2]['comment_locality']['rating'].' ';
+ echo ' Estimated Area of Business Premise '.$pd_section_data[2]['business_estimated_area'].' '.$pd_section_data[2]['uom'].' ';
+ }
+ ?>
+
+
+
+
+
+Satellite Image of PD Location
GPS Coordinates of location where PD Visit was done :
+
+
+
+
+
+ General Section
+
+
+
+
+ Name Loan Amount Product Location
+
+ '.$pd_section_data['21']['name'].' '.$pd_section_data['21']['loan_amount'].' '.$pd_section_data['21']['product'].' '.$pd_section_data['21']['location'].' ';
+ }
+ else {
+ echo ' General Section Not Available ';
+ }
+ ?>
+
+
+
+
+Profile History & Vintage and Lineage
+ '.$pd_section_data['22']['history_vintage'].'
+ Primary shareholding , promoters and major equity partners
+ '.$pd_section_data['22']['capital_details'].'
+ The capital structure and details of the various investments vehicles
+ '.$pd_section_data['22']['history_vintage'].'
';
+ }
+ else {
+ echo ' Profile Not Available
';
+ }
+ ?>
+
+ Size and Geographical Reach AUM ( off book & on book ) &e. Trend of Disbursement in last 2 quarters
+ '.$pd_section_data['23']['aum_book'].'
+ States and geographical regions & Branches & geographical customer base
+ '.$pd_section_data['23']['geographical_details'].'
+ Branches /employees / structure
+ '.$pd_section_data['23']['branches_employees'].'
+ Portfolio concentration and Cuts to be discussed
+ '.$pd_section_data['23']['portfolio_concentration'].'
+ Who are the competitors to the business
+ '.$pd_section_data['23']['business_competitors'].'
+ Estimated Market Size of the Business& Market share
+ '.$pd_section_data['23']['estimated_market'].'
';
+ }
+ else {
+ echo ' Size and Geographical Reach Not Available
';
+ }
+ ?>
+
+
+
+
+Product & Processes Products
+ '.$pd_section_data['24']['products'].'
+ Policies
+ '.$pd_section_data['24']['policies'].'
+ Credit appraisal mechanism
+ '.$pd_section_data['24']['credit_appraisal'].'
+ Technology and usage for acquisition and credit
+ '.$pd_section_data['24']['technology_credit'].'
+ Collection policy and mechanism -Collection efficiency trends in last 12 months (CC/CD, TC/CD,TC/TD) any deviation to be discussed in detail
+ '.$pd_section_data['24']['collection_policy'].'
+ Provisioning policy
+ '.$pd_section_data['24']['provisioning_policy'].'
+ Restructuring policy
+ '.$pd_section_data['24']['restructuring_policy'].'
+ Covid impact and policy
+ '.$pd_section_data['24']['covid_policy'].'
';
+ }else {
+ echo ' Product & Processes Not Available
';
+ }
+
+ ?>
+
+
+ Portfolio Health Par own book /Par off book -d
+ '.$pd_section_data['25']['par_book'].'
+ NPAs/Provisioning & resolution strategy
+ '.$pd_section_data['25']['provisioning_resolution'].'
+ Strategy to manage flow as well as post moratorium stress
+ '.$pd_section_data['25']['post_morotorium'].'
+ Strategy for non-paying customers
+ '.$pd_section_data['25'][' non-paying_customers'].'
+ PAR (Productwise)/Net NPAs/Write offs Movement of Bucket ,PAR 90+
+ '.$pd_section_data['25']['par'].'
';
+
+ }
+ else {
+ echo ' Portfolio Health Not Available
';
+ }
+
+ ?>
+
+
+
+Total Overall Debt/Equity Profile Types of debt structures and major debt providers
+ '.$pd_section_data['26']['dept_structures'].'
+ Future plan for additional funding
+ '.$pd_section_data['26']['future_plan'].'
+ Funding received during covid times including liquidity support from DFIs & Banks
+ '.$pd_section_data['26']['dfi_banks'].'
+ Fresh sanctions lined up in the present month and coming quarters
+ '.$pd_section_data['26']['fresh_sanctions'].'
';
+ }
+ else {
+ echo ' Total Overall Debt/Equity Profile Not Available
';
+ }
+ ?>
+
+
+
+
+
+ Financial analysis
+
+
+
+ CAR (Tier-1)/CAR (Tier-1 + Tier-2)
+ Leverage (D/E) (excluding Managed)
+ ALM
+ Opex
+ NIM (%) - as per Audited B/S
+ Opex (% of Avg. Book)
+
+ '.$pd_section_data['27']['car_type'].'
+ '.$pd_section_data['27']['leverage'].'
+ '.$pd_section_data['27']['alm'].'
+ '.$pd_section_data['27']['opex'].'
+ '.$pd_section_data['27']['nim'].'
+ '.$pd_section_data['27']['opex_average'].' ';?>
+
+ Opex (% of NII)
+ Return on Assets
+ Return on Equity
+ IRR (Derived)
+ Avg. Borrowing Cost (Derived)
+ Spread (Derived)
+
+
+ '.$pd_section_data['27']['opex_nii'].'
+ '.$pd_section_data['27']['return_asset'].'
+ '.$pd_section_data['27']['return_equity'].'
+ '.$pd_section_data['27']['irr'].'
+ '.$pd_section_data['27']['avg_borrowing'].'
+ '.$pd_section_data['27']['spread'].' ';
+ }
+ else {
+ echo ' Financial analysis Not Available ';
+ }
+
+ ?>
+
+
+
+Overall Plan of Action Future plan on expansion geographies wise , products and regions . Equity and debt structuring as well as dilution in future. Target book for the present quarter and YOY projections
+ '.$pd_section_data['28']['future_plan'].'
';
+ }
+ else {
+ echo ' Overall Plan of Action Not Available
';
+ }
+ ?>
+
+
+Validation Points vide Systems and Books at HQ & Branches
+ Stock to be validated from system
+ '.$pd_section_data['29']['stock_validated'].'
+ Collateral coverage for existing borrowing ( System Mapping to be checked)
+ '.$pd_section_data['29']['collateral_coverage'].'
+ Collection efficiency and system flagging to be counterchecked and same with PAR cuts
+ '.$pd_section_data['29']['collection_efficiency'].'
+ Sample check of loan dox, application form along with PAN for Active loan accounts
+ '.$pd_section_data['29']['loan_dox'].'
+ Disbursement no to be checked from system
+ '.$pd_section_data['29']['disbursement'].'
+ Top 20 exposure to be checked with data submitted
+ '.$pd_section_data['29']['top20_exposure'].'
+ Sample Sanction letters to validate collateral cover stipulated for existing Borrowing
+ '.$pd_section_data['29']['sanction_letters'].'
+ Provisioning /Write-off/NPA flagging to be counter checked
+ '.$pd_section_data['29']['provisioning'].'
+ Restructuring of Loans in system on sample basis
+ '.$pd_section_data['29']['restructuring_loan'].'
+ EMI cycle date in system
+ '.$pd_section_data['29']['emi_date'].'
+ Cash and Bank ledger to be checked
+ '.$pd_section_data['29']['cash_checked'].'
+ Free FD details to be taken and validated from Accounting system
+ '.$pd_section_data['29']['fd_details'].'
+ Application/Systems used for Boarding /Loan management
+ '.$pd_section_data['29']['loan_management'].'
';
+ }
+ else {
+ echo ' Validation Points vide Systems and Books at HQ & Branches Not Available
+
+
+
+ Final Remarks of PD officer
+
+ 'Others','2' => 'Rude','3' => 'Polite');
+ $over_all = array('2' => 'Positive','3' => 'Negative');
+ ?>
+ Customer Behaviour
+ [Polite / Rude / Others (Please specify)] PD Officer's overall assessment
+ (Positive / Negative) PD Officer's key points considered while arriving at the aforementioned status Remarks '.$pd_section_data[19]['final_form_remarks'] .' ';
+
+ } } else{
+ echo ' Final Remarks of PD officer Not Available ';
+ }?>
+
+ 'Selfie with person met','person_met_id_proof' => 'Person met ID Proof','approach_to_pd_location' => 'Approach to pd location','name_board_seen' => 'Name board seen', 'stock_image' => 'Stock image','supplier_image' => 'Supplier Bills','client_image' => 'Client Bills','machinary_image' => 'Machinary Image');
+ // if($master[0]['sales_pd_type'] == 2){ $photo_names['selfie_with_person_met'] = 'Selfie of the person contacted';}
+ // echo count($smc_images);die();
+ //print_r(array_keys($section9));die();
+ $tot_rows = ceil(count($smc_images) / 3);
+if(count($smc_images))
+ {
+ echo '
';
+ echo '';
+
+ $add_factor = 0;
+ for($row = 0;$row < $tot_rows; $row++)
+ {
+ echo '';
+
+ $from = $row == 0 ? $row : ($row+$add_factor);
+ $to = ($from + 2);
+ $add_factor = $add_factor + 2;
+ for($i = $from ; $i <= $to; $i++)
+ {
+
+ if(isset($smc_images[$i]))
+ {
+
+ echo ' ';
+ }
+
+ //unset($p_key);
+ }
+ echo ' ';
+ }
+ echo '
';
+ }?>
+
+
+
+
+
+
+ Name of Credit Manager
+
+
+
+ Date of PD Visit
+
+
+
+
+
+
+
+
+
+
\ No newline at end of file
