🏦 NBFC Loan Management System

🔧 Dev Note: Common filter component reused across all reports. Based on user's role/branch, the Branch dropdown auto-restricts. HO Admin sees All Branches. Export buttons call server-side PDF/Excel generators. Scheduled Email: store config in tbl_report_schedule(report_type, frequency, recipients, last_sent).

🔧 Dev Note: Use a job scheduler (cron/task scheduler) to trigger reports at configured times. Table: tbl_report_schedule. Fields: report_type, frequency, time_of_day, recipients (JSON array of emails), branch_filter, format (PDF/Excel), active_flag, last_run, next_run.

🔧 Dev Note: Dashboard widgets are read-only data panels. "Show More" button on Loan Due Today and Loan Pending cards loads detailed drilldown list. Implement with auto-refresh (every 5 min). Each widget = a separate optimized DB view/stored procedure. Store widget config in tbl_dashboard_config(role_id, widget_name, visible, position).

🔧 Dev Note: MFI mode requires two additional masters: tbl_field_unit (Centre) and tbl_member_group. Field Unit → Member Group → Member hierarchy. Member Group dropdown in Customer Registration filters by Field Unit. Centre Collection (weekly meeting) is done at Field Unit level. Tables: tbl_field_unit(id, name, branch_id, field_officer_id, meeting_day, meeting_time).

🔧 Dev Note: Centre Collection is a bulk receipt entry screen. Field Officer selects Centre + Meeting Date → system lists all members with pending EMIs. Officer enters amount received against each member. On save: individual receipts created for each member in tbl_receipts. Group-level overdue monitoring: if any member is overdue → group flagged. Bulk SMS to overdue members in the group.

🔧 Dev Note: Employee Master is separate from User Login. An employee may or may not be a system user. Salary calculation runs monthly based on attendance records. Table: tbl_employees(emp_id, name, branch_id, designation, doj, basic_salary, allowances, bank_account). Attendance: tbl_attendance(emp_id, date, status[P/A/H/L]).

🔧 Dev Note: Salary = (Basic + HRA + Allowances) × (Present Days / Working Days) − PF_Employee − TDS − Other_Deductions. GL Entry: Salary Expense A/c Dr → Cash/Bank A/c Cr (net pay) + PF Payable Cr + TDS Payable Cr. Salary Slip auto-generated as PDF. Store in tbl_salary_slips(emp_id, month, gross, deductions, net, generated_by, approved_by).

🔧 Dev Note: SMS is used for: EMI reminders, OTP, overdue alerts, receipt confirmation, disbursement notification. Use third-party SMS API (e.g., Msg91, TextLocal). Email for: MIS reports, scheduled statements, maker-checker notifications. Store config in tbl_system_config with key-value pairs. Passwords stored encrypted.

🔧 Dev Note: Backup Scheduler: configure cron job for DB backup. Store backup logs in tbl_backup_log(id, backup_date, size_mb, status, storage_path). Financial Year Change: runs stored procedure to carry forward balances. Data Freeze is irreversible — add confirmation dialog with admin password re-entry.

🔧 Dev Note: Every Add/Edit/Delete/Approve action creates a log in tbl_audit_log(id, user_id, action_type, module, record_id, before_value JSON, after_value JSON, ip_address, datetime, branch_id). Audit log is APPEND-ONLY — never allow delete/update. This table is shown in read-only view here. IP Address capturing: use request headers (X-Forwarded-For for proxy environments). Before/After stored as JSON diff.