app/config.py

@@ -60,6 +60,9 @@ class Config:
     OVERDUE_LOAN_BATCH_DELAY_SECONDS = int(
         os.getenv("OVERDUE_LOAN_BATCH_DELAY_SECONDS", 5)
     )
+    OVERDUE_GRACE_PERIOD_DAYS = int(os.getenv("OVERDUE_GRACE_PERIOD_DAYS", 30))
+    
+    
     BANK_CALL_API_TIME_OUT = os.getenv("BANK_CALL_API_TIME_OUT", 100)
     BANK_CALL_BASE_URL = os.getenv("BANK_CALL_BASE_URL", "https://bank-emulator.dev.simbrellang.net/api")
     BANK_CALL_SMS_BASE_URL= os.getenv("BANK_CALL_SMS_BASE_URL","https://first-advance-middleware-develop.fbn-devops-dev-asenv.appserviceenvironment.net/SMS")

app/models/loan_repayment_schedule.py

@@ -1,4 +1,4 @@
-from datetime import datetime, timezone
+from datetime import datetime, timedelta, timezone
 from app.extensions import db
 from app.utils.logger import logger
 from sqlalchemy.exc import SQLAlchemyError
@@ -115,6 +115,21 @@ class LoanRepaymentSchedule(db.Model):
             logger.error(f"Error fetching active overdue repayment schedules: {e}")
             return []
     @classmethod
+    def get_overdue_repayment_schedule_with_grace_period(cls, grace_period_days):
+        """
+        Get all overdue repayment schedules that are not repaid and beyond the grace period.
+        """
+        try:
+            grace_period_date = datetime.now(timezone.utc) - timedelta(days=grace_period_days)
+            return cls.query.filter(
+                cls.due_date < grace_period_date,
+                cls.paid == False
+            ).order_by(cls.due_date.asc()).all()
+        except Exception as e:
+            logger.error(f"Error fetching overdue repayment schedules with grace period: {e}")
+            return []
+        
+    @classmethod
     def get_partially_paid_overdue_repayment_schedule(cls):
         """
         Get all overdue repayment schedules that are partially paid.

app/routes/autocall.py

@@ -441,6 +441,45 @@ def report():
         logger.error(f"Error generating or sending report: {e}")
         return ResponseHelper.error("Failed to send report", status_code=500, error=str(e))
 
+@autocall_bp.route("/process-penal-charges", methods=["GET"])
+def process_penal_charges():
+    try:
+        OVERDUE_GRACE_PERIOD_DAYS = settings.OVERDUE_GRACE_PERIOD_DAYS
+
+        overdue_loans = (
+            LoanRepaymentScheduleService
+            .get_overdue_repayment_schedule_with_grace_period(OVERDUE_GRACE_PERIOD_DAYS)
+        )
+
+        logger.info(f"Found {len(overdue_loans)} overdue loans.")
+
+        if not overdue_loans:
+            return ResponseHelper.success(
+                message="No overdue loans found",
+                status_code=200
+            )
+
+        processed_loans = []
+
+        for loan in overdue_loans:
+            # TODO: apply penal charge logic here
+            # PenalChargeService.apply_penal_charge(loan)
+
+            processed_loans.append(loan.to_dict())
+
+        return ResponseHelper.success(
+            message="Penal Charges Processed Successfully",
+            status_code=200,
+            data=processed_loans
+        )
+
+    except Exception as e:
+        logger.exception(f"Error processing penal charges: {e}")
+        return ResponseHelper.error(
+            "Failed to process penal charges",
+            status_code=500,
+            error=str(e)
+        )
 
 @autocall_bp.route("/overdue-loans", methods=["GET"])
 def overdue_loans():

app/services/loan_repayment_schedule.py

@@ -47,7 +47,9 @@ class LoanRepaymentScheduleService:
         """
         return LoanRepaymentSchedule.update_repayment_schedule_description(schedule_id, description)
     
-    
+    @classmethod
+    def get_overdue_repayment_schedule_with_grace_period(cls, grace_period_days):
+        return LoanRepaymentSchedule.get_overdue_repayment_schedule_with_grace_period(grace_period_days)
     @staticmethod
     def handle_schedule_updates(updated_loan, data, amount_collected, message, loan_data):
         """

openapi.yml

@@ -216,6 +216,12 @@ paths:
       responses:
         200:
           description: A successful response
+  /autocall/process-penal-charges:
+    get:
+      summary: Get all overdue loans with grace period
+      responses:
+        200:
+          description: A successful response
   /autocall/direct/loan:
     post:
       summary: Direct call for loan disbursement