added penal charge to schedule

app/routes/autocall.py

@@ -12,9 +12,11 @@ from app.services.loan import LoanService
 from app.services.repayment import RepaymentService
 from app.services.salary import SalaryService
 from app.services.loan_repayment_schedule import LoanRepaymentScheduleService
+from app.services.loan_charge import LoanChargesService
 from app.enums.loan_status import LoanStatus
 from app.enums.repayment_schedule_status import RepaymentScheduleStatus
 from app.utils.mail import send_report_email, get_report_data
+from datetime import datetime, timezone, timedelta
 from app.config import settings
 
 autocall_bp = Blueprint("autocall", __name__)
@@ -446,26 +448,99 @@ def process_penal_charges():
     try:
         OVERDUE_GRACE_PERIOD_DAYS = settings.OVERDUE_GRACE_PERIOD_DAYS
         OVERDUE_PROCESSING_LIST_LIMIT = settings.OVERDUE_PROCESSING_LIST_LIMIT
+        PENAL_CHARGE_MAXIMUM_COUNT = settings.PENAL_CHARGE_MAXIMUM_COUNT
+        PENAL_CHARGE_INTERVAL_DAYS = settings.PENAL_CHARGE_INTERVAL_DAYS
 
-        overdue_loans = (
+        now = datetime.now(timezone.utc)
+
+        overdue_schedules = (
             LoanRepaymentScheduleService
-            .get_overdue_repayment_schedule_with_grace_period(OVERDUE_GRACE_PERIOD_DAYS,OVERDUE_PROCESSING_LIST_LIMIT)
+            .get_overdue_repayment_schedule_with_grace_period(
+                OVERDUE_GRACE_PERIOD_DAYS,
+                OVERDUE_PROCESSING_LIST_LIMIT
+            )
         )
 
-        logger.info(f"Found {len(overdue_loans)} overdue loans.")
+        logger.info(f"Found {len(overdue_schedules)} overdue loan schedule.")
 
-        if not overdue_loans:
+        if not overdue_schedules:
             return ResponseHelper.success(
-                message="No overdue loans found",
+                message="No overdue loan schedule found",
                 status_code=200
             )
 
         processed_loans = []
 
-        for loan in overdue_loans:
-            # TODO: apply penal charge logic here
-            # PenalChargeService.apply_penal_charge(loan)
-            LoanRepaymentScheduleService.update_due_process_date_and_count(loan.id)
+        for schedule in overdue_schedules:
+
+            loan = LoanService.get_loan_by_loan_id(schedule.loan_id)
+
+            if not loan:
+                logger.info(f"Loan with id {schedule.loan_id} not found")
+                continue
+
+            penal_count = schedule.penal_count or 0
+
+            # MAX PENAL CHECK
+            if penal_count >= PENAL_CHARGE_MAXIMUM_COUNT:
+                logger.info(
+                    f"Penal count for schedule {schedule.id} has reached the maximum limit."
+                )
+                continue
+
+            # INTERVAL CHECK (PER SCHEDULE)
+            if schedule.last_penal_date:
+                 # ensure last_penal_date is timezone-aware
+                last_penal = schedule.last_penal_date
+                if last_penal.tzinfo is None:
+                    last_penal = last_penal.replace(tzinfo=timezone.utc)
+
+                next_allowed_date = last_penal + timedelta(days=PENAL_CHARGE_INTERVAL_DAYS)
+
+                if now < next_allowed_date:
+                    logger.info(
+                        f"Penal interval for schedule {schedule.id} has not passed yet."
+                    )
+                    continue
+
+            # NEXT PENAL NUMBER
+            next_penal_no = penal_count + 1
+
+            # CALCULATE PENAL
+            penal_amount = LoanRepaymentScheduleService.calculate_penal_charge(schedule)
+
+            # CREATE PENAL CHARGE
+            new_penal_charge = LoanChargesService.create_penal_charges_for_loan(
+                loan_id=schedule.loan_id,
+                transaction_id=schedule.transaction_id,
+                percent=settings.PENAL_CHARGE_PERCENTAGE,
+                penal_no=next_penal_no,
+                schedule_number=schedule.installment_number,
+                penal_amount=penal_amount
+            )
+
+            if not new_penal_charge:
+                logger.error(f"Failed to create penal charge for loan ID: {loan.id}")
+                continue
+
+            logger.info(f"Penal charge created: {new_penal_charge.to_dict()}")
+
+            # UPDATE SCHEDULE
+            LoanRepaymentScheduleService.apply_penal_to_schedule(
+                schedule.id,
+                penal_amount
+            )
+
+            logger.info(f"Penal charge applied to schedule {schedule.id}")
+
+            # UPDATE LOAN TOTAL
+            LoanService.apply_penal_to_loan(
+                loan.id,
+                penal_amount
+            )
+
+            logger.info(f"Penal charge applied to loan {loan.id}")
+
             processed_loans.append(loan.to_dict())
 
         return ResponseHelper.success(