{{-- <!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Key Facts Statement</title> --}}
    <style>
        .child-table {
            width: 100%;
            border-collapse: collapse;
        }

        .child-table th, .child-table td {
            border: 1px solid black;
            padding: 8px;
            text-align: left;
            vertical-align: middle;
        }

        .heading {
            font-weight: bold;
            font-size: 18px;
            text-align: center;
            padding: 10px 0;
        }

        .subheading {
            margin: 15px;
            /* font-weight: bold; */
            font-size: 17px;
            text-align: left;
        }

        ul {
            list-style: none;
            padding: 0;
        }

        ul.custom-bullet {
        list-style-type: square; /* Use square bullets */
        padding-left: 20px;
        }

        #rps_table {
            text-align: center;
            font-size: 12px;
        }
        #kfs-section {
            font-family: 'Times New Roman';
        }
    </style>

{{-- </head> --}}
    <?php $interest_types = [1 => 'Flat Balance Amount (Annualized)', 2 => 'Reducing', 3 => 'Flat Fixed Amount (Annualized)',4 => 'Flat (Non-Annualized)'];?>

    <?php
        $pdf = !isset($pdf) ? 0 : $pdf;
        $emis_array[] = -($user['consumer_emi']->upfront_from_credit_fair - $user['consumer_emi']->processing_fee);
        $repayable = $user['consumer_emi']->upfront_from_customer;
        $principal_amount = 0;
        $subvention = 0;
        $total_interest = 0;
        $interest = 0;
        $total_subvention = 0;
        $principal = 0;
    ?>
    @if(isset($user['loan_schedule']) && $user['loan_schedule'] != '')
        @if(isset($user['loan_schedule']['schedule'][0]))
            @foreach($user['loan_schedule']['schedule'] as $key=>$loan_schedule)
                <?php $repayable = $repayable + $loan_schedule['amount'];
                $emis_array[] = $loan_schedule['amount'];
                $principal_amount = $principal_amount + $loan_schedule['principal'];
                $subvention = $subvention + $loan_schedule['subvention'];
                $interest = $interest + $loan_schedule['interest'];

                if ($user['is_gst_applicable'] == 0) {
                    $total_subvention += $loan_schedule['subvention'];
                    $total_interest = $total_interest + ($loan_schedule['subvention'] + $loan_schedule['interest']);
                } else {
                    $total_interest = $total_interest + $loan_schedule['interest'];
                }
                if ($user['is_gst_applicable'] == 0 && $subvention > 0) {
                    $principal = ($principal_amount + $user['consumer_emi']->upfront_from_customer) - $subvention;
                } else {
                    $principal = $principal_amount + $user['consumer_emi']->upfront_from_customer;
                }
                ?>
            @endforeach
        @endif
    @elseif(isset($user['loan_schedule_new']) && $user['loan_schedule_new'] != '')
        <?php
            $summary = json_decode($user['loan_schedule_new'][0]['loan_summary']);
            $repayable = $user['consumer_emi']->upfront_from_customer;
            $principal_amount = round($summary->principal_amount, 2);
            $subvention = $summary->subvention;
            $total_interest = round($summary->total_interest, 2);
            $interest_rate = round($summary->total_interest, 2);
            $total_subvention = $summary->subvention;
            $annualized_interest_rate = round($summary->annualized_interest_rate, 2);
        ?>
    @endif

    <?php
        $amountAB = 0;
            $amountAmtV = $user['consumer_emi']->processing_fee + $user['consumer_emi']->upfront_from_customer + $amountAB;


            if ($user['is_gst_applicable'] == 0) {
                $amountAmtV += $subvention;
            }

            $amtV = ($user['loan_amount'] - $amountAmtV);

            $aprrate = round(\MathPHP\Finance::rate($user['consumer_emi']->remaining_emi, $user['consumer_emi']->emi, -$amtV, 0) * 100 * 12, 2);
            if ($aprrate < 0) {
                $aprrate = 0;
            }
            // below condition is for NAN return by finance function
            if(is_nan($aprrate)){
                $aprrate = 0;
            }

            // Recalculate Reducing Interest Rate if insurance is added to loan amount
            $proforma = $user['proFormaInvoice'] ?? null;
            $consumer_emi = $user['consumer_emi'] ?? null;
            $target_lender_id = env('INTEREST_RATE_CHANGE_LENDER_ID');
            $user_lender_id = is_object($user) ? ($user->lender_id ?? null) : ($user['lender_id'] ?? null);
            if ($proforma && $consumer_emi && $target_lender_id !== null && $user_lender_id == $target_lender_id) {
                $is_merchant_2 = is_object($proforma) ? ($proforma->insurance_premium_by_merchant ?? 0) == 2 : ($proforma['insurance_premium_by_merchant'] ?? 0) == 2;
                if ($is_merchant_2) {
                    $insurance_amount = is_object($proforma) ? ($proforma->insurance_premium_amount ?? 0) : ($proforma['insurance_premium_amount'] ?? 0);
                    $upfront = is_object($consumer_emi) ? ($consumer_emi->upfront_from_customer ?? 0) : ($consumer_emi['upfront_from_customer'] ?? 0);
                    $remaining = is_object($consumer_emi) ? ($consumer_emi->remaining_emi ?? 0) : ($consumer_emi['remaining_emi'] ?? 0);
                    $emi = is_object($consumer_emi) ? ($consumer_emi->emi ?? 0) : ($consumer_emi['emi'] ?? 0);
                    
                    $reducing_pv = -($user['loan_amount'] - $upfront + $insurance_amount);
                    $new_reducing_rate = round(\MathPHP\Finance::rate($remaining, $emi, $reducing_pv, 0) * 12 * 100, 2);
                    
                    if (!is_nan($new_reducing_rate) && $new_reducing_rate >= 0) {
                        $user['interest_rate_reducing'] = $new_reducing_rate;
                    }
                }
            }

            $netDisb = $user['sanction_amount_with_insurance'] - ($user['consumer_emi']->upfront_from_customer);
            if ($user['is_gst_applicable'] == 0 && isset($loan_schedule) && $loan_schedule['subvention']) {
                $netDisb -= $total_subvention;
            }

            $amountCB = $netDisb + $amountAB;
            if ($total_interest) {
            $amountCB += $total_interest;
            }

    ?>
  <?php
    $rowNumber = 1; // Initialize the row number
    $rowNumber2 = 1; // Initialize the row number for 2nd page
    $rowNumber3 = 1; // Initialize the row number for 3rd page
    $rowNumber4 = 1; // Initialize the row number for 3rd page
  ?>
<div class="kfs-section" >
    <div class="page-agreement" style="padding-top: 40px; margin-top: 40px; page-break-after:always; ">

    <!-- Part 1 (Interest Rate and Fees/Charges) -->
     @if(!isset($hideKFS))
        <div class="heading">Key Facts Statement (Borrower)</div>
    @endif
    <div class="heading">Part 1: Interest Rate and Fees/Charges</div>
    <table class="child-table">
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td>Loan proposal/account No.</td>
            <td>{{ $user['application_id'] ?? '' }}</td>
            {{-- CHANGE #3: Add "Secured" before "Solar and Rooftop Solutions" --}}
            <td>Type of Loan</td>
            <td>Secured {{ $user['purpose_of_the_loan'] ?? '' }}</td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td>Sanctioned Loan amount (in Rupees)</td>
            <td colspan="3">
                &#8377; {!! money_format('%!i',($user['sanction_amount'])) !!}
                /-
                (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['sanction_amount']) !!}
                )
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Disbursal Schedule</div>
                <table class="child-table">
                    <tr>
                        <td>(i) Disbursement in stages or 100% upfront.</td>
                        <td rowspan="2">
                            @if(!$user['isMultiPhase'])
                                100% Upfront
                            @else
                                Tranche 1: {{$user['per_disbursement_amount_p1']}} %<br>
                                Tranche 2: {{$user['per_disbursement_amount_p2']}} %<br>
                                Tranche 3: {{$user['per_disbursement_amount_p3']}} %
                            @endif
                        </td>

                    </tr>
                    <tr>
                        <td>(ii) If in stages, mention the clause of loan agreement having relevant details.</td>
                    </tr>
                </table>
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            {{-- CHANGE #4: Add "(from the date of disbursement)" after tenure --}}
            <td>Loan term (year/months/days)</td>
            <td colspan="3">{{ $user['consumer_emi']->remaining_emi ?? '' }} months (from the date of disbursement)</td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Installment details</div>
                <table class="child-table">
                    <tr>
                        <td>Type of installments</td>
                        <td>Number of EPIs</td>
                        <td>EPI (₹)</td>
                        <td>Commencement of repayment, post sanction</td>
                    </tr>
                    <tr>
                        <td>{{ "Monthly" ?? '' }}</td>
                        <td>{{ $user['consumer_emi']->remaining_emi ?? '' }}</td>
                        <td>{{ number_format($user['consumer_emi']->emi) ?? '' }}</td>
                        <td>
                            @php
                                $emiDate = date('d', strtotime($user['consumer_emi']->emi_date));
                            @endphp

                            @if ($emiDate == '05')
                                5th of every month
                            @elseif ($emiDate == '18')
                                18th of every month
                            @else
                                {!! date('Y-m-d', strtotime($user['consumer_emi']->emi_date)) !!}
                            @endif
                        </td>
                    </tr>
                </table>
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            {{-- CHANGE #5: Change "floating" to "Fixed" for BlackSoil --}}
            <td colspan="4">
                <table class="child-table">
                        <tr>
                            <td>(a)Interest rate (%) and type (fixed or floating or hybrid)</td>
                            <td colspan="3"> {!! $user['interest_rate_reducing'] !!} % / (Fixed) </td>
                        </tr>
                        <tr>
                            <td> (b)Interest rate(%) and type @if(isset($user['merchant_offer']->interest_type_id) && $user['merchant_offer']->interest_type_id == 2) (reducing) @else (flat) @endif </td>
                            <td colspan="3"> {!! $user['interest_rate_flat'] !!} % / (Fixed) </td>
                        </tr>
                    </table>
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Additional Information in case of Floating rate of interest</div>
                <table class="child-table">
                    <tr>
                        <td rowspan="2">Reference Benchmark</td>
                        <td rowspan="2">Benchmark rate (%) (B)</td>
                        <td rowspan="2">Spread (%) (S)</td>
                        <td rowspan="2">Final rate (%) R = (B) + (S)</td>
                        <td colspan="2">Reset periodicity (Months)</td>
                        <td colspan="2">Impact of change in the reference benchmark
                            (for 25 bps change in 'R', change in)</td>
                    </tr>
                    <tr>
                        <td>B</td>
                        <td>S</td>
                        <td>EPI (₹)</td>
                        <td>No. of EPIs</td>
                    </tr>
                    <tr>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                    </tr>
                </table>
            </td>
        </tr>
    @if($pdf == 1)
    </table>
</div>
<div class="page-agreement" style="padding-top: 40px; margin-top: 40px; page-break-after:always; ">
    <table class="child-table">
    @endif
        <!-- Fee/Charges Section -->
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Fee/Charges</div>
                <table class="child-table">
                    <tr>
                        <th colspan="1"></th>
                        <th colspan="1"></th>
                        <th colspan="2">Payable to the RE (A)</th>
                        <th colspan="2">Payable to a third party through RE (B)</th>
                    </tr>
                    <tr>
                        <!-- Subcolumns for Payable to the RE (A) -->
                        <td></td>
                        <td></td>
                        <td>One-time/Recurring</td>
                        <td>Amount (in ₹) or Percentage (%)</td>
                        <!-- Subcolumns for Payable to a third party through RE (B) -->
                        <td>One-time/Recurring</td>
                        <td>Amount (in ₹) or Percentage (%)</td>
                    </tr>
                    <?php $payable_to_RE = 0; $payable_to_third_party_RE = 0; ?>

                    <!-- Fees for each category -->
                    <tr>
                        <td colspan="1">(i)</td>
                        <td colspan="1">Processing fee (including GST)</td>
                        <td colspan="1">One time</td>
                        <td colspan="1">{{ number_format($user['consumer_emi']->processing_fee) ?? '' }}</td>
                        <?php $payable_to_RE  = $payable_to_RE + $user['consumer_emi']->processing_fee ?>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <td colspan="1">(ii)</td>
                        <td colspan="1">Insurance charges (Premium Including GST)</td>
                        <td colspan="1">
                            @if($user['proFormaInvoice']->insurance_premium_by_merchant == 2)
                                NA
                            @else
                                <?php echo isset($user['vendor_insurnace_permium']) ? 'One time' : 'NA'?>
                            @endif
                        </td>
                        <td colspan="1">
                            @if($user['proFormaInvoice']->insurance_premium_by_merchant == 2)
                                NA
                            @else
                                <?php echo isset($user['vendor_insurnace_permium']) ? number_format($user['vendor_insurnace_permium']) : 'NA'?>
                                <?php $payable_to_third_party_RE  = $payable_to_third_party_RE + ($user['vendor_insurnace_permium'] ?? 0) ?>
                            @endif
                        </td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <td colspan="1">(iii)</td>
                        <td colspan="1">Valuation fees</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <td colspan="1">(iv)</td>
                        <td colspan="1">Any Other (please specify)</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <td colspan="1"></td>
                        <td colspan="1">a) Add on service charges (including GST)</td>
                        <td colspan="1">
                            @if($user['proFormaInvoice']->insurance_premium_by_merchant == 2)
                                NA
                            @else
                                <?php echo isset($user['cf_insurance_processing_fees']) ? 'One-time' : 'NA'?>
                            @endif
                        </td>
                        <td colspan="1">
                            @if($user['proFormaInvoice']->insurance_premium_by_merchant == 2)
                                NA
                            @else
                                <?php echo isset($user['cf_insurance_processing_fees']) ? number_format($user['cf_insurance_processing_fees']) : 'NA'?>
                                <?php $payable_to_RE  = $payable_to_RE + (isset($user['cf_insurance_processing_fees']) ? $user['cf_insurance_processing_fees'] : 0) ?>
                            @endif
                        </td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <?php
                            $stamp_duty = ($user['legal_charges'] ?? 0) - ($user['cersai_hypothecation_charges'] ?? 0);
                            $actual_stamp_duty = $stamp_duty > 0 ? $stamp_duty : ($user['legal_charges'] ?? 0);
                            $combined_legal_charges = $actual_stamp_duty + ($user['cersai_hypothecation_charges'] ?? 0);
                        ?>
                        <td colspan="1"></td>
                        <td colspan="1">b) Legal document charges</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">One-time</td>
                        <td colspan="1">{{ $combined_legal_charges }}</td>
                        <?php $payable_to_third_party_RE = $payable_to_third_party_RE + $combined_legal_charges; ?>
                    </tr>
                </table>
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td>Annual Percentage Rate (APR)</td>
            <td colspan="3">{{ $aprrate ?? '' }} % reducing</td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Details of Contingent Charges (in ₹ or %, as applicable)</div>
                <table class="child-table">
                    <tr>
                        <td>(i) Penal charges, if any, in case of delayed payment</td>
                        {{-- CHANGE #7: Change penal charges from 54.75% to 24% --}}
                        <td>24% p.a of the outstanding dues</td>
                    </tr>
                    <tr>
                        <td>(ii) Other penal charges, if any</td>
                        <td>Zero</td>
                    </tr>
                    @if(isset($user['showForeclosureCharges']) && $user['showForeclosureCharges'])
                    <tr>
                        <td>(iii) Foreclosure charges</td>
                        <td>2%</td>
                    </tr>
                    @endif
                    <tr>
                        <td>(iv) Charges for switching of loans from floating to fixed rate and vice versa</td>
                        <td>Nil</td>
                    </tr>
                    <tr>
                        <td>(v) Any other charges</td>
                        <td></td>
                    </tr>
                    <tr>
                        <td>(a) Late Payments /Cheque /ECS /NACH dishonoured charges</td>
                        {{-- CHANGE #8: Change late payment charges from Rs 300 to INR 590 --}}
                        <td>INR 590 per late payment OR dishonor of cheque/ECS/NACH per
                            presentation. Two successive cheque bounces/ auto debit failure will
                            lead to loan recall notice being issued</td>
                    </tr>
                    <tr>
                        {{-- CHANGE #9: Remove "Undated" from "Undated Cheques" and update content --}}
                        <td>(b) Cheques & Cash Collection</td>
                        <td>We are collecting 2 undated cheques if required. One of Loan Amount & one of EMI Amount. Unused cheques will be shredded at our end after successful repayment of the loan. Any cash collection would include additional Rs 400 per pick up.</td>
                    </tr>
                    <tr>
                        <td>(c) Merchant Refunds & Loan Cancellations</td>
                        <td>In case of a return of a purchase to a merchant, a cancellation
                            charge of 1.4% per month on outstanding principal would be payable.</td>
                    </tr>
                    {{-- CHANGE #10: Remove the Bounce Charges row (Rs 270) --}}
                </table>
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">KYC complied with RBI guidelines</td>
        </tr>
        <!-- Closed the main table tag -->
         </table>
         <br>

        <div>
        <table class="child-table">
            <tr>
                <th>{{ $rowNumber++ }}</th>
                <td colspan="4">
                    <div>(a) Other term & condition as mentioned in Loan agreement.</div>
                    <div>(b) Insurance: If the borrower has opted for insurance and not paid it upfront then the loan amount as mentioned in KFS will include applicable Insurance Premium and Service/Processing Fees as per agreed terms.</div>
                </td>
            </tr>
            <tr>
                    <?php
                    $place = 'Delhi';
                    if(isset($stampSeries) && $stampSeries == '02') {
                        $place = 'Maharashtra';
                    } else if (isset($stampSeries) && $stampSeries == '03') {
                        $place = 'Delhi';
                    }
                    $date = (isset($letter_date) && $letter_date) ? DateTime::createFromFormat('d-m-Y', $letter_date) : new DateTime();
                    if (!$date) $date = new DateTime();
                ?>
                <th>{{ $rowNumber++ }}</th>
                <td>Place and Date of Execution</td>
                <td colspan="3">{!! $place !!} and {{ $date->format('d F Y') }}</td>
            </tr>
            <tr>
                <th>{{ $rowNumber++ }}</th>
                <td>Security</td>
                <td colspan="3">
                    Exclusive First charge by way of hypothecation of Equipment/System listed in Appendix – A
                    and all receivables arising out of the hypothecated Equipment/System.
                </td>
            </tr>
            <tr>
                <th>{{ $rowNumber++ }}</th>
                <td>Important conditions</td>
                <td colspan="3">
                    <strong>(A) Subsidy Prepayment:</strong><br>
                    <br>
                    In the event the Borrower becomes eligible for and receives any subsidy, incentive, or financial assistance from the Central Government, State Government, or any other statutory or regulatory authority in relation to the solar project financed under this Agreement ("Subsidy"), the Borrower may utilize such Subsidy towards part prepayment of the Loan.Such part prepayment may be effected immediately upon receipt of the Subsidy or at any time thereafter, in accordance with the prepayment terms and conditions stipulated under this Agreement. Provided that where the Borrower applies the Subsidy amount towards part prepayment within seven (7) days from the date of receipt of the Subsidy, no prepayment charges shall be levied. Any part prepayment made after the said period shall be subject to applicable prepayment charges, as per the terms of this Agreement.
                    Any amount so prepaid shall be appropriated towards reduction of the outstanding principal of the Loan, and shall result in a corresponding reduction in interest liability and/or Loan tenure, as determined by the Lender in accordance with its prevailing policies
                    <br><br>
                    <strong>(B) Pre-Part / Foreclosure:</strong><br>
                    &nbsp;&nbsp;&nbsp;&nbsp;1. The Borrower shall be eligible to make a Pre-Part Payment or Foreclosure under this Agreement only after payment of at least one (1) EMI.<br>
                    &nbsp;&nbsp;&nbsp;&nbsp;2. In the event the Borrower makes any Pre-Part Payment or Foreclosure before payment of the first EMI, the interest component of the first EMI shall first be deducted from the Pre-Part/Foreclosure amount, and only the remaining balance, if any, shall be adjusted towards the outstanding principal.<br>
                    &nbsp;&nbsp;&nbsp;&nbsp;3. The minimum amount of any Pre-Part Payment shall not be less than the equivalent of two (2) EMIs.<br>
                    &nbsp;&nbsp;&nbsp;&nbsp;4. Following any Pre-Part Payment, the Borrower shall be required to pay at least one (1) subsequent EMI before becoming eligible to make any further Pre-Part Payments.<br>
                    &nbsp;&nbsp;&nbsp;&nbsp;5. All Pre-Part Payments and Foreclosures shall be subject to applicable charges, fees, or notice requirements as may be prescribed by the Lender from time to time.
                </td>
            </tr>
            </table>
         </div>
    </div> <!-- closes page-agreement -->


        <br></br>
    <br><br>
    <!-- Part 2 (Other Qualitative Information) -->
    <div class="page-agreement" style="padding-top: 20px; page-break-after:always;">
    <div class="heading">Part 2: Other Qualitative Information</div>
    <table class="child-table">
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Clause of Loan agreement relating to engagement of recovery agents</td>
            <td>https://creditfair.in/collection_mechanism.pdf</td>
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Clause of Loan agreement which details grievance redressal mechanism</td>
            {{-- CHANGE #11: Replace grievance link with BlackSoil link --}}
            <td>https://blacksoil-nbfc-docs.s3.ap-south-1.amazonaws.com/Policies/Grievance+Redressal+Mechanism+%26+Ombudsman+Policy_2025_V3_Dec%2725_Clean+2.pdf</td>
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Phone number and email ID of the nodal grievance redressal officer</td>
            {{-- CHANGE #12: Replace grievance officer details with BlackSoil details --}}
            <td>Name: Harshita Jain<br/>
                Telephone: +022 6915 2200<br/>
                E-mail ID.: grievanceredressal@blacksoil.co.in
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Whether the loan is subject to transfer to other REs or securitization (Yes/No)</td>
            <td>Yes</td>
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td colspan="3">
                <div class="subheading">In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),
                    following additional details may be furnished:</div>
                <table class="child-table">
                    <tr>
                        <td>Name of the originating RE, along with its funding proportion</td>
                        <td>Name of the partner RE along with its proportion of funding</td>
                        <td>Blended rate of interest</td>
                    </tr>
                    <tr>
                        <td>NA</td>
                        <td>NA</td>
                        <td>NA</td>
                    </tr>
                </table>
            </td>
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td colspan="4">
                <div class="subheading">In case of digital loans, following specific disclosures may be furnished:</div>
                <table class="child-table">
                    <tr>
                        <td>(i) Cooling off/look-up period, in terms of RE's
                            board approved policy, during which borrower
                            shall not be charged any penalty on
                            prepayment of loan</td>
                            <?php if($user['consumer_emi']->remaining_emi * 30 >= 7){
                                $cool_off = 4;
                            }else{
                                $cool_off = 1;
                            } ?>
                        <td>{!! $cool_off !!} days</td>
                    </tr>
                    <tr>
                        <td>(ii) Details of LSP acting as recovery agent and
                            authorized to approach the borrower</td>
                        <td>https://creditfair.in/list-of-lsp</td>
                    </tr>
                </table>
            </td>
        </tr>

        <tr>
            <th>{{ $rowNumber2++ }}</th>
            {{-- CHANGE #13: Add "(Seller)" after "Details of Merchant" --}}
            <td>Details of Merchant (Seller)</td>
            @if($user['purpose_of_the_loan'] == "Personal Loan")
                <td>
                    <span>Name: {!! $user['customer_name'] !!}</span><br/>
                    <span>Address: {!! $user['address'] !!}</span>
                </td>
            @else
                <td>
                    <span>Name: @if(isset($user['official_merchant_name']) && $user['official_merchant_name'])
                            [{!! $user['official_merchant_name'] !!}
                            ] @endif @if(isset($user['merchant_name']) && $user['merchant_name'])
                            ({!! $user['merchant_name'] !!}) @endif</span><br/>
                    <span>Address: {!! $user['merchant_address'] !!}</span><br/>
                    @if(isset($user['merchant_bank_details']->account_number))
                    <span>Account Holder Name: {!! $user['merchant_bank_details']->account_holder !!}</span><br/>
                    <span>Name Of Bank: {!! $user['merchant_bank_details']->bank_name !!}</span><br/>
                    <span>Branch: {!! $user['merchant_bank_details']->branch_name !!}</span><br/>
                    <span>Account Number: {!! $user['merchant_bank_details']->account_number !!}</span><br/>
                    <span>IFSC Code: {!! $user['merchant_bank_details']->ifsc_code !!}</span>
                    @endif
                </td>
            @endif
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            {{-- CHANGE #14: Replace "General Terms and Conditions" with "Declaration" and replace content --}}
            <td>Declaration</td>
            <td>I/We declare that all the particulars and information and details given are true, correct, complete and up to date in all respects and that I/We have not withheld any information whatsoever. I/We have understood the terms and conditions of the loan product of Blacksoil Capital Pvt. Ltd. and I/We agree to abide by them. I/We understand and authorize Blacksoil Capital Pvt. Ltd. to extract reports, exchange, share, part with all information relating to my loan details and repayment history information to/from other Banks/Financial institutions/ Credit Bureaus/Agencies as may be required and shall not hold Blacksoil Capital Pvt. Ltd. liable for use of this information. I/We understand and acknowledge that Blacksoil Capital Pvt. Ltd. shall have the absolute discretion without assigning any reason (unless required by applicable law) to reject my/our application and that Blacksoil Capital Pvt. Ltd shall not be responsible/liable in any manner whatsoever to me/us for such rejection or any delay in notifying me/us of such rejection. I/We understand and acknowledge that Blacksoil Capital Pvt. Ltd. shall not be liable for any costs, losses, damages or expenses, or other consequences, caused by such rejection of our application. I/We shall submit, sign and execute all such loan agreements and other documents as may be prescribed and required by Blacksoil Capital Pvt. Ltd. at any point of time and the applicable stamp duty shall be payable by me/us. I/We hereby authorize Blacksoil Capital Pvt Ltd to undertake the necessary Central Know Your Customer (CKYC) procedures and disclosures required for the purpose of verifying and maintaining my/our identity information as per regulatory guidelines. I/We hereby grant permission to Blacksoil Capital Pvt Ltd to conduct a CIBIL verification for the purpose of assessing my/our creditworthiness and eligibility for the financial transaction requested, in accordance with regulatory and legal requirements.</td>
        </tr>
        {{-- CHANGE #15: Add Point 9 - Customer Repayment modes --}}
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Customer Repayment modes directly to lender:</td>
            <td>
                <ul style="list-style-type: disc; padding-left: 20px;">
                    <li>Auto debit through registered NACH</li>
                    <li>Through Payment Gateway</li>
                    <li>Through online transaction (Write an email to payments@creditfair.in and we shall give you the link for repayment)</li>
                </ul>
            </td>
        </tr>
        {{-- CHANGE #16: Add Point 10 - Purpose of Loan --}}
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Purpose of Loan</td>
            <td>For Buying/Installation of Solar Rooftop Panel.</td>
        </tr>
        @if(isset($isHypothecationActive) && $isHypothecationActive)
            <?php
            $user_lender_id = is_object($user) ? ($user->lender_id ?? null) : ($user['lender_id'] ?? null);
            $place = 'Maharashtra/Delhi'; if($user_lender_id == \App\BlackSoil::$lender_id){ $place = 'Delhi';} if(isset($stampSeries) && $stampSeries == '02') {
                $place = 'Maharashtra';
            } else if (isset($stampSeries) && $stampSeries == '03') {
                $place = 'Delhi';
            }
            $date = new DateTime();
            ?>
            <tr>
                <th>{{ $rowNumber2++ }}</th>
                <td>Date & Place</td>
                <td>{{ $date->format('d F Y') }} & {!! $place !!}</td>
            </tr>
            <tr>
                <th>{{ $rowNumber2++ }}</th>
                <td>Security</td>
                <td>Exclusive first charge by way of hypothecation of Equipment/System listed in Appendix - A and all
                    receivables arising out of the hypothecated Equipment/System</td>
            </tr>
        @endif
    </table>

    </div>

    <!-- Part 3: Computation of APR -->
    <div class="page-agreement" style="padding-top: 20px; page-break-after:always;">
        <div class="heading">Computation of APR</div>
        <table class="child-table">
            <tr>
                <th>Sr No</th>
                <th>Parameter</th>
                <th>Details</th>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Sanctioned Loan Amount</td>
                <td>&#8377; {!! money_format('%!i',($user['sanction_amount'])) !!}</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Loan term (in months)</td>
                <td>{{ $user['consumer_emi']->remaining_emi ?? '' }} months</td>
            </tr>
            <tr>
                <th>(a)</th>
                <td>Number of installments for payment of principal, in case of non-equated periodic loans (months)</td>
                <td>NA</td>
            </tr>
            <tr>
                <th>(b)</th>
                <td>Type of EPI / Amount of each EPI (in Rupees) / Nos. of EPIs</td>
                <td>
                    Monthly /
                    {{ number_format($user['consumer_emi']->emi) ?? '' }} /
                    {{ $user['consumer_emi']->remaining_emi ?? '' }}
                </td>
            </tr>
            <tr>
                <th>(c)</th>
                <td>Number of installments for payment of capitalised interest, if any</td>
                <td>NA</td>
            </tr>
            <tr>
                <th>(d)</th>
                <td>Commencement of repayments, post sanction</td>
                <td>
                    @php $emiDate = date('d', strtotime($user['consumer_emi']->emi_date)); @endphp
                    @if ($emiDate == '05')
                        5th of every month
                    @elseif ($emiDate == '18')
                        18th of every month
                    @else
                        {!! date('Y-m-d', strtotime($user['consumer_emi']->emi_date)) !!}
                    @endif
                </td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Interest rate type</td>
                <td>Fixed</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Rate of Interest</td>
                <td>{!! $user['interest_rate_reducing'] !!} %</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on sanction date</td>
                <td>&#8377; {{ number_format($total_interest ?? 0) }}</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Fee/Charges payable (Collected upfront)</td>
                <td>&#8377; {{ ($payable_to_RE + $payable_to_third_party_RE) ?? 0 }}</td>
            </tr>
            <tr>
                <th>(a)</th>
                <td>Payable to the RE</td>
                <td>&#8377; {{ $payable_to_RE ?? 0 }}</td>
            </tr>
            <tr>
                <th>(b)</th>
                <td>Payable to third-party routed through RE</td>
                <td>&#8377; {{ $payable_to_third_party_RE ?? 0 }}</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Net Disbursed Amount</td>
                <td>&#8377; {{ $user['sanction_amount'] }} /-</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Total amount to be paid by the borrower</td>
                <td>&#8377; {{ number_format($amountCB ?? 0) }} /-</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Annual Percentage Rate - Effective annualized interest rate</td>
                <td>{{ $aprrate ?? '' }} %</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Schedule of disbursement as per terms and conditions</td>
                <td>Please refer to loan agreement for Disbursal schedule and other terms and conditions.</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Due date of payment of Installment and interest</td>
                <td>
                    @if ($emiDate == '05')
                        5th of every month (Also refer Repayment schedule in the welcome letter)
                    @elseif ($emiDate == '18')
                        18th of every month (Also refer Repayment schedule in the welcome letter)
                    @else
                        {!! date('Y-m-d', strtotime($user['consumer_emi']->emi_date)) !!}
                    @endif
                </td>
            </tr>
            <tr>
                <td colspan="3" style="text-align:right; font-size:10px;">Exclusive of GST(*)</td>
            </tr>
        </table>
    </div>

</div>