fix: Consider paid repayment entries in subsequent loan repayments
diff --git a/erpnext/loan_management/doctype/loan/test_loan.py b/erpnext/loan_management/doctype/loan/test_loan.py
index 4b9a894..57f9886 100644
--- a/erpnext/loan_management/doctype/loan/test_loan.py
+++ b/erpnext/loan_management/doctype/loan/test_loan.py
@@ -523,33 +523,7 @@
self.assertEqual(flt(repayment_entry.total_interest_paid, 0), flt(interest_amount, 0))
def test_penalty(self):
- pledge = [{
- "loan_security": "Test Security 1",
- "qty": 4000.00
- }]
-
- loan_application = create_loan_application('_Test Company', self.applicant2, 'Demand Loan', pledge)
- create_pledge(loan_application)
-
- loan = create_demand_loan(self.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
- loan.submit()
-
- self.assertEquals(loan.loan_amount, 1000000)
-
- first_date = '2019-10-01'
- last_date = '2019-10-30'
-
- make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
- process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
-
- amounts = calculate_amounts(loan.name, add_days(last_date, 1))
- paid_amount = amounts['interest_amount']/2
-
- repayment_entry = create_repayment_entry(loan.name, self.applicant2, add_days(last_date, 5),
- paid_amount)
-
- repayment_entry.submit()
-
+ loan = create_loan_scenario_for_penalty(self)
# 30 days - grace period
penalty_days = 30 - 4
penalty_applicable_amount = flt(amounts['interest_amount']/2)
@@ -559,8 +533,28 @@
calculated_penalty_amount = frappe.db.get_value('Loan Interest Accrual',
{'process_loan_interest_accrual': process, 'loan': loan.name}, 'penalty_amount')
+ self.assertEquals(loan.loan_amount, 1000000)
self.assertEquals(calculated_penalty_amount, penalty_amount)
+ def test_penalty_repayment(self):
+ loan = create_loan_scenario_for_penalty(self)
+ amounts = calculate_amounts(loan.name, '2019-11-30 00:00:00')
+
+ first_penalty = 10000
+ second_penalty = amounts['penalty_amount'] - 10000
+
+ repayment_entry = create_repayment_entry(loan.name, self.applicant2, '2019-11-30 00:00:00', 10000)
+ repayment_entry.submit()
+
+ amounts = calculate_amounts(loan.name, '2019-11-30 00:00:01')
+ self.assertEquals(amounts['penalty_amount'], second_penalty)
+
+ repayment_entry = create_repayment_entry(loan.name, self.applicant2, '2019-11-30 00:00:01', second_penalty)
+ repayment_entry.submit()
+
+ amounts = calculate_amounts(loan.name, '2019-11-30 00:00:02')
+ self.assertEquals(amounts['penalty_amount'], 0)
+
def test_loan_write_off_limit(self):
pledge = [{
"loan_security": "Test Security 1",
@@ -651,6 +645,32 @@
amounts = calculate_amounts(loan.name, add_days(last_date, 5))
self.assertEquals(flt(amounts['pending_principal_amount'], 0), 0)
+def create_loan_scenario_for_penalty(doc):
+ pledge = [{
+ "loan_security": "Test Security 1",
+ "qty": 4000.00
+ }]
+
+ loan_application = create_loan_application('_Test Company', doc.applicant2, 'Demand Loan', pledge)
+ create_pledge(loan_application)
+ loan = create_demand_loan(doc.applicant2, "Demand Loan", loan_application, posting_date='2019-10-01')
+ loan.submit()
+
+ first_date = '2019-10-01'
+ last_date = '2019-10-30'
+
+ make_loan_disbursement_entry(loan.name, loan.loan_amount, disbursement_date=first_date)
+ process_loan_interest_accrual_for_demand_loans(posting_date = last_date)
+
+ amounts = calculate_amounts(loan.name, add_days(last_date, 1))
+ paid_amount = amounts['interest_amount']/2
+
+ repayment_entry = create_repayment_entry(loan.name, doc.applicant2, add_days(last_date, 5),
+ paid_amount)
+
+ repayment_entry.submit()
+
+ return loan
def create_loan_accounts():
if not frappe.db.exists("Account", "Loans and Advances (Assets) - _TC"):
diff --git a/erpnext/loan_management/doctype/loan_repayment/loan_repayment.py b/erpnext/loan_management/doctype/loan_repayment/loan_repayment.py
index a88e183..2a0221b 100644
--- a/erpnext/loan_management/doctype/loan_repayment/loan_repayment.py
+++ b/erpnext/loan_management/doctype/loan_repayment/loan_repayment.py
@@ -75,10 +75,6 @@
if not self.amount_paid:
frappe.throw(_("Amount paid cannot be zero"))
- if not self.shortfall_amount and self.amount_paid < self.penalty_amount:
- msg = _("Paid amount cannot be less than {0}").format(self.penalty_amount)
- frappe.throw(msg)
-
def book_unaccrued_interest(self):
precision = cint(frappe.db.get_default("currency_precision")) or 2
if self.total_interest_paid > self.interest_payable:
@@ -327,6 +323,18 @@
return unpaid_accrued_entries
+def get_penalty_details(against_loan):
+ penalty_details = frappe.db.sql("""
+ SELECT posting_date, (penalty_amount - total_penalty_paid) as pending_penalty_amount
+ FROM `tabLoan Repayment` where posting_date >= (SELECT MAX(posting_date) from `tabLoan Repayment`
+ where against_loan = %s) and docstatus = 1 and against_loan = %s
+ """, (against_loan, against_loan))
+
+ if penalty_details:
+ return penalty_details[0][0], flt(penalty_details[0][1])
+ else:
+ return None, 0
+
# This function returns the amounts that are payable at the time of loan repayment based on posting date
# So it pulls all the unpaid Loan Interest Accrual Entries and calculates the penalty if applicable
@@ -337,6 +345,7 @@
loan_type_details = frappe.get_doc("Loan Type", against_loan_doc.loan_type)
accrued_interest_entries = get_accrued_interest_entries(against_loan_doc.name)
+ computed_penalty_date, pending_penalty_amount = get_penalty_details(against_loan)
pending_accrual_entries = {}
total_pending_interest = 0
@@ -351,8 +360,13 @@
# and if no_of_late days are positive then penalty is levied
due_date = add_days(entry.posting_date, 1)
- no_of_late_days = date_diff(posting_date,
- add_days(due_date, loan_type_details.grace_period_in_days)) + 1
+ due_date_after_grace_period = add_days(due_date, loan_type_details.grace_period_in_days)
+
+ # Consider one day after already calculated penalty
+ if computed_penalty_date and getdate(computed_penalty_date) >= due_date_after_grace_period:
+ due_date_after_grace_period = add_days(computed_penalty_date, 1)
+
+ no_of_late_days = date_diff(posting_date, due_date_after_grace_period) + 1
if no_of_late_days > 0 and (not against_loan_doc.repay_from_salary) and entry.accrual_type == 'Regular':
penalty_amount += (entry.interest_amount * (loan_type_details.penalty_interest_rate / 100) * no_of_late_days)
@@ -390,7 +404,7 @@
amounts["pending_principal_amount"] = flt(pending_principal_amount, precision)
amounts["payable_principal_amount"] = flt(payable_principal_amount, precision)
amounts["interest_amount"] = flt(total_pending_interest, precision)
- amounts["penalty_amount"] = flt(penalty_amount, precision)
+ amounts["penalty_amount"] = flt(penalty_amount + pending_penalty_amount, precision)
amounts["payable_amount"] = flt(payable_principal_amount + total_pending_interest + penalty_amount, precision)
amounts["pending_accrual_entries"] = pending_accrual_entries
amounts["unaccrued_interest"] = flt(unaccrued_interest, precision)