You are viewing a plain text version of this content. The canonical link for it is here.
Posted to commits@fineract.apache.org by ad...@apache.org on 2026/01/28 13:31:12 UTC
(fineract) branch develop updated: FINERACT-2412: full term tranche - capitalized income handling
This is an automated email from the ASF dual-hosted git repository.
adamsaghy pushed a commit to branch develop
in repository https://gitbox.apache.org/repos/asf/fineract.git
The following commit(s) were added to refs/heads/develop by this push:
new ba978c591b FINERACT-2412: full term tranche - capitalized income handling
ba978c591b is described below
commit ba978c591b5d0611ab996bd32a7a9f8fe1beea6e
Author: mariiaKraievska <ri...@gmail.com>
AuthorDate: Tue Jan 27 14:33:30 2026 +0200
FINERACT-2412: full term tranche - capitalized income handling
---
.../features/LoanDelayedScheduleCaptures.feature | 161 +++++++++++++++++++++
.../loanproduct/calc/ProgressiveEMICalculator.java | 3 +-
2 files changed, 163 insertions(+), 1 deletion(-)
diff --git a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
index 9fcf5f5191..7ffdad3de6 100644
--- a/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
+++ b/fineract-e2e-tests-runner/src/test/resources/features/LoanDelayedScheduleCaptures.feature
@@ -3041,3 +3041,164 @@ Feature: Full Term Tranche - Schedule handling and Calculations
| 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
When Loan Pay-off is made on "02 February 2024"
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4572 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan - second disbursement on installment date - capitalized income - UC14
+ When Admin sets the business date to "01 January 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_DEFERRED_INCOME | 01 January 2024 | 250 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2024" with "250" amount and expected disbursement date on "01 January 2024"
+ When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ When Admin sets the business date to "01 February 2024"
+ And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.13 EUR transaction amount
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 17.13 | 0.0 | 0.0 | 85.65 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
+# --- 2nd disbursement --- #
+ When Admin successfully disburse the loan on "01 February 2024" with "100" EUR transaction amount
+ Then Loan Repayment schedule has 7 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
+ | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | 3 | 31 | 01 April 2024 | | 117.78 | 33.07 | 1.19 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | 4 | 30 | 01 May 2024 | | 84.45 | 33.33 | 0.93 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | 5 | 31 | 01 June 2024 | | 50.86 | 33.59 | 0.67 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | 6 | 30 | 01 July 2024 | | 17.0 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | 7 | 31 | 01 August 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 200.0 | 5.56 | 0.0 | 0.0 | 205.56 | 17.13 | 0.0 | 0.0 | 188.43 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
+# --- capitalized income transaction --- #
+ When Admin sets the business date to "01 March 2024"
+ And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 March 2024" with "50" EUR transaction amount
+ Then Loan Repayment schedule has 7 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 17.13 | 0.0 | 0.0 | 0.0 |
+ | | | 01 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 29 | 01 March 2024 | | 150.85 | 32.81 | 1.45 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 31 | 01 April 2024 | | 161.31 | 39.54 | 1.59 | 0.0 | 0.0 | 41.13 | 0.0 | 0.0 | 0.0 | 41.13 |
+ | 4 | 30 | 01 May 2024 | | 121.45 | 39.86 | 1.27 | 0.0 | 0.0 | 41.13 | 0.0 | 0.0 | 0.0 | 41.13 |
+ | 5 | 31 | 01 June 2024 | | 81.28 | 40.17 | 0.96 | 0.0 | 0.0 | 41.13 | 0.0 | 0.0 | 0.0 | 41.13 |
+ | 6 | 30 | 01 July 2024 | | 40.79 | 40.49 | 0.64 | 0.0 | 0.0 | 41.13 | 0.0 | 0.0 | 0.0 | 41.13 |
+ | 7 | 31 | 01 August 2024 | | 0.0 | 40.79 | 0.32 | 0.0 | 0.0 | 41.11 | 0.0 | 0.0 | 0.0 | 41.11 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 250.0 | 7.02 | 0.0 | 0.0 | 257.02 | 17.13 | 0.0 | 0.0 | 239.89 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ | 01 February 2024 | Repayment | 17.13 | 16.34 | 0.79 | 0.0 | 0.0 | 83.66 | false | false |
+ | 01 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 183.66 | false | false |
+ | 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 233.66 | false | false |
+ When Loan Pay-off is made on "01 March 2024"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
+
+ @TestRailId:C4573 @AdvancedPaymentAllocation
+ Scenario: Verify full term tranche interest bearing progressive loan - second disbursement mid-period - capitalized income - UC14.1
+ When Admin sets the business date to "01 January 2024"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_DEFERRED_INCOME | 01 January 2024 | 250 | 9.4822 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "01 January 2024" with "250" amount and expected disbursement date on "01 January 2024"
+ When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
+ Then Loan Repayment schedule has 6 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 2 | 29 | 01 March 2024 | | 67.19 | 16.47 | 0.66 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 3 | 31 | 01 April 2024 | | 50.59 | 16.6 | 0.53 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 4 | 30 | 01 May 2024 | | 33.86 | 16.73 | 0.4 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 5 | 31 | 01 June 2024 | | 17.0 | 16.86 | 0.27 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.13 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 100.0 | 2.78 | 0.0 | 0.0 | 102.78 | 0.0 | 0.0 | 0.0 | 102.78 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+# --- 2nd disbursement mid-period (Feb 15) ---
+ When Admin sets the business date to "15 February 2024"
+ When Admin successfully disburse the loan on "15 February 2024" with "100" EUR transaction amount
+ Then Loan Repayment schedule has 7 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | | | 15 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 29 | 01 March 2024 | | 150.59 | 33.07 | 1.13 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 |
+ | 3 | 31 | 01 April 2024 | | 117.58 | 33.01 | 1.19 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 |
+ | 4 | 30 | 01 May 2024 | | 84.31 | 33.27 | 0.93 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 |
+ | 5 | 31 | 01 June 2024 | | 50.78 | 33.53 | 0.67 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 |
+ | 6 | 30 | 01 July 2024 | | 16.92 | 33.86 | 0.4 | 0.0 | 0.0 | 34.26 | 0.0 | 0.0 | 0.0 | 34.26 |
+ | 7 | 31 | 01 August 2024 | | 0.0 | 16.92 | 0.13 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 200.0 | 5.24 | 0.0 | 0.0 | 205.24 | 0.0 | 0.0 | 0.0 | 205.24 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ | 15 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
+ # --- capitalized income transaction --- #
+ When Admin sets the business date to "01 March 2024"
+ And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "01 March 2024" with "50" EUR transaction amount
+ Then Loan Repayment schedule has 7 periods, with the following data for periods:
+ | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 1 | 31 | 01 February 2024 | | 83.66 | 16.34 | 0.79 | 0.0 | 0.0 | 17.13 | 0.0 | 0.0 | 0.0 | 17.13 |
+ | | | 15 February 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 2 | 29 | 01 March 2024 | | 150.66 | 33.0 | 1.2 | 0.0 | 0.0 | 34.2 | 0.0 | 0.0 | 0.0 | 34.2 |
+ | | | 01 March 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | |
+ | 3 | 31 | 01 April 2024 | | 161.19 | 39.47 | 1.59 | 0.0 | 0.0 | 41.06 | 0.0 | 0.0 | 0.0 | 41.06 |
+ | 4 | 30 | 01 May 2024 | | 121.4 | 39.79 | 1.27 | 0.0 | 0.0 | 41.06 | 0.0 | 0.0 | 0.0 | 41.06 |
+ | 5 | 31 | 01 June 2024 | | 81.3 | 40.1 | 0.96 | 0.0 | 0.0 | 41.06 | 0.0 | 0.0 | 0.0 | 41.06 |
+ | 6 | 30 | 01 July 2024 | | 40.88 | 40.42 | 0.64 | 0.0 | 0.0 | 41.06 | 0.0 | 0.0 | 0.0 | 41.06 |
+ | 7 | 31 | 01 August 2024 | | 0.0 | 40.88 | 0.32 | 0.0 | 0.0 | 41.2 | 0.0 | 0.0 | 0.0 | 41.2 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
+ | 250.0 | 6.77 | 0.0 | 0.0 | 256.77 | 0.0 | 0.0 | 0.0 | 256.77 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
+ | 15 February 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 | false | false |
+ | 01 March 2024 | Capitalized Income | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 250.0 | false | false |
+ When Loan Pay-off is made on "01 March 2024"
+ Then Loan is closed with zero outstanding balance and it's all installments have obligations met
diff --git a/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/ProgressiveEMICalculator.java b/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/ProgressiveEMICalculator.java
index cbcf713f36..a39748da33 100644
--- a/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/ProgressiveEMICalculator.java
+++ b/fineract-progressive-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/calc/ProgressiveEMICalculator.java
@@ -138,7 +138,8 @@ public final class ProgressiveEMICalculator implements EMICalculator {
.forEach(rp -> rp.setTotalDisbursedAmount(rp.getTotalDisbursedAmount().add(operation.getAmount())));
final int numberOfRepayments = scheduleModel.loanProductRelatedDetail().getNumberOfRepayments();
- if (scheduleModel.loanProductRelatedDetail().isAllowFullTermForTranche() && numberOfRepayments > 0) {
+ if (scheduleModel.loanProductRelatedDetail().isAllowFullTermForTranche() && numberOfRepayments > 0
+ && operation.getAction().equals(EmiChangeOperation.Action.DISBURSEMENT)) {
addFullTermTrancheDisbursement(scheduleModel, operation);
} else {
scheduleModel