Sonigra Bhavya Hemendrabhai created FINERACT-2993:
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Summary: RBI loan repayment schedule mapping leaks fee and penalty
charges across installments
Key: FINERACT-2993
URL: https://issues.apache.org/jira/browse/FINERACT-2993
Project: Apache Fineract
Issue Type: Bug
Components: Loan
Affects Versions: 1.16.0
Reporter: Sonigra Bhavya Hemendrabhai
Attachments: Screenshot 2026-10-25 at 9.24.37 PM.png
Bug Description:
In RBILoanRepaymentScheduleTransactionProcessor.java, when creating repayment
schedule mappings for subsequent installments in the second loop (handling late
repayments), the outer-scoped feeChargesPortion and penaltyChargesPortion from
the overdue installment are reused instead of being zeroed out.
Impact:
1. Fee and penalty charges from previous installments are falsely duplicated
and mapped to subsequent installments that never had those charges.
2. The sum of the mapping amounts in
m_loan_transaction_repayment_schedule_mapping exceeds the actual payment amount
of the parent transaction (e.g. $650.00 mapped on a $600.00 payment).
3. Corrupts reverse-replay and accounting during chargebacks.
Steps to Reproduce:
1. Create a loan with "rbi-india-strategy".
2. Add a $50.00 penalty charge due on Installment 1.
3. Make a late repayment of $600.00 (covering Installment 1 of $565.00 and
$35.00 toward Installment 2).
4. Query m_loan_transaction_repayment_schedule_mapping.
Result: Installment 2 mapping falsely receives penalty_charges_portion_derived
= 50.00, and total mapping amount is $650.00.
Fix:
Ensure fee and penalty portions are zeroed out (Money.zero(currency)) for
subsequent installment mappings and only add mapping when principalPortion is
greater than zero. !Screenshot 2026-10-25 at 9.24.37 PM.png!
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