app/config.py

@@ -62,6 +62,7 @@ class Config:
     )
     OVERDUE_GRACE_PERIOD_DAYS = int(os.getenv("OVERDUE_GRACE_PERIOD_DAYS", 30))
     OVERDUE_PROCESSING_LIST_LIMIT = int(os.getenv("OVERDUE_PROCESSING_LIST_LIMIT", 100))
+    PENAL_CHARGE_PERCENTAGE = os.getenv("PENAL_CHARGE_PERCENTAGE", 1)   
     
     
     BANK_CALL_API_TIME_OUT = os.getenv("BANK_CALL_API_TIME_OUT", 100)

app/models/loan_repayment_schedule.py

@@ -3,6 +3,7 @@ from app.extensions import db
 from app.utils.logger import logger
 from sqlalchemy.exc import SQLAlchemyError
 from app.enums.repayment_schedule_status import RepaymentScheduleStatus
+from app.config import settings
 
 from decimal import Decimal, ROUND_HALF_UP
 # from dateutil.relativedelta import relativedelta
@@ -299,14 +300,43 @@ class LoanRepaymentSchedule(db.Model):
         """
         try:            
             schedule = cls.query.get(schedule_id)
+            if not schedule:
+                raise ValueError(f"Schedule with ID {schedule_id} does not exist.")
             if schedule.due_process_count is None:
                 schedule.due_process_count = 0
             schedule.due_process_count += 1
             schedule.due_process_date = datetime.now(timezone.utc)
             schedule.updated_at = datetime.now(timezone.utc)
+            now = datetime.now(timezone.utc)
+            # Calculate DPD
+            dpd = max((now.date() - schedule.due_date.date()).days, 0)
+            # Determine outstanding balance
+            if schedule.paid_status == RepaymentScheduleStatus.PARTIALLY_PAID and schedule.partial_balance:
+                outstanding_amount = Decimal(str(schedule.partial_balance))
+            else:
+                outstanding_amount = Decimal(str(schedule.installment_amount))
+
+            # Calculate penal charge (1% default if settings not set)
+            try:
+                penalty_rate = getattr(settings, "PENAL_CHARGE_PERCENTAGE", 1)/100
+            except:
+                penalty_rate = 0.01
+            penal_charge = (outstanding_amount * Decimal(str(penalty_rate))).quantize(
+                Decimal("0.01"), rounding=ROUND_HALF_UP
+            )
+                
+            #new balance + penal charge
+            new_balance = outstanding_amount + penal_charge
 
             db.session.commit()
-            logger.info(f"Updated due process date and count for schedule ID {schedule.id}")
+            logger.info(f"""Updated due process date and count for schedule ID {schedule.id}, 
+                        amount due: {schedule.installment_amount}, 
+                        outstanding amount: {outstanding_amount},
+                        due process count: {schedule.due_process_count},
+                        DPD: {dpd},
+                        penal charge(1%): {penal_charge},
+                        new balance(plus penal charge): {new_balance}
+                        """)
             
         except Exception as e:
             db.session.rollback()