{{-- <!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
        $amountAB = 0;
            // if (isset($user['proFormaInvoice']->insurance_premium_applicable) && $user['proFormaInvoice']->insurance_premium_applicable == 1) {
            //     $amountAB += $user['proFormaInvoice']->insurance_premium_amount;

            //     if(isset($user['total_insurnace_permium']) && ($user['total_insurnace_permium'] != $amountAB)){
            //         $amountAB = $user['total_insurnace_permium'];
            //     }
            // }

            $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;
            }

            $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;
            }

            // if ($user['consumer_emi']->processing_fee) {
            // $amountCB += $user['consumer_emi']->processing_fee;
            // }

    ?>
  <?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</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>
            <td>Type of Loan</td>
            <td>{{ $user['purpose_of_the_loan'] ?? '' }}</td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td>Sanctioned Loan amount (in Rupees)</td>
            {{-- <td colspan="3">{{ $sanctioned_loan_amount ?? '' }}</td> --}}
            <td colspan="3">
                &#8377; {!! money_format('%!i',($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
                                @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                                    <br><br><p>The Loan may be disbursed in one lump sum or in any number of installments/tranches, as may be decided by the Lender.
                                    Please refer Clause 2. (Disbursal Of Loan) of the Loan Agreement should for further details</p>
                                @endif
                            @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>
            <td>Loan term (year/months/days)</td>
            <td colspan="3">{{ $user['consumer_emi']->remaining_emi ?? '' }} months</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>{{ $commencement_of_repayment ?? '' }}</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($user['consumer_emi']->emi_date)) !!}
                            @endif
                        </td>
                    </tr>
                </table>
            </td>
        </tr>
        @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
            <tr>
                <td colspan="5">Please refer to the Amortization Schedule for details.  The EPI is calculated assuming entire sanctioned loan amount has been disbursed. The EPI shall be subject to change in case of partial drawdown in accordance with revised Amortization Schedule.</td>
            </tr>
        @endif
        <tr>
            <th>{{ $rowNumber++ }}</th>
            {{-- <td colspan="3"> {!! $user['consumer_emi']->interest_rate !!} % / (floating) </td> --}}
            {{-- <td colspan="3">{{ $interest_rate_type ?? '' }}</td> --}}
            <td colspan="4">
                <table class="child-table">
                        <tr>
                            @if($lender['id'] == \App\Vivriti::$lender_id || $lender['id'] == \App\Utkarsh\Utkarsh::$lender_id || $lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                                <td>(a)Interest rate (%) and type (fixed or floating)</td>
                                <td colspan="3"> {!! $user['interest_rate_reducing'] !!} % / (fixed) </td>
                            @else
                                <td>(a)Interest rate (%) and type (fixed or floating or hybrid)</td>
                                <td colspan="3"> {!! $user['interest_rate_reducing'] !!} % / (floating) </td>
                            @endif

                        </tr>
                        <tr>
                            <td> (b)Interest rate(%) and type (flat)</td>
                            <td colspan="3"> {!! $user['interest_rate_flat'] !!} % / (flat) </td>
                        </tr>
                    </table>
            </td> 
        </tr>
        @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
            <tr>
                <th>{{ $rowNumber++ }}</th>
                <td>Total Interest charged during entire tenor of the Loan</td>
                <td colspan="3">
                    <p class="c2 c17">
                        <span class="c0">1. Payable by the customer Rs.{!! money_format('%!i',$interest) !!}</span>
                    </p>
                    <p class="c2 c17">
                        <span class="c0">2. Payable by the merchant/institute Rs.
                            {{-- @if($user['is_gst_applicable'] == 0) --}}
                            @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                                {{ 0 }}
                            @else
                                {!! money_format('%!i',$subvention) !!}
                            @endif
                            {{-- @endif --}}
                        </span>
                    </p>
                </td>
            </tr>
        @endif
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Additional Information in case of Floating rate of interest</div>
                <table class="child-table">
                    <tr>
                        <td rowspan="2">Reference Benchmark</td>
                        <td rowspan="2">Benchmark rate (%) (B)</td>
                        <td rowspan="2">Spread (%) (S)</td>
                        <td rowspan="2">Final rate (%) R = (B) + (S)</td>
                        <td colspan="2">Reset periodicity (Months)</td>
                        <td colspan="2">Impact of change in the reference benchmark
                            (for 25 bps change in ‘R’, change in)</td>
                    </tr>
                    <tr>
                        <td>B</td>
                        <td>S</td>
                        <td>EPI (₹)</td>
                        <td>No. of EPIs</td>
                    </tr>
                    <tr>
                        @if($lender['id'] == \App\Vivriti::$lender_id || $lender['id'] == \App\Utkarsh\Utkarsh::$lender_id || $lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                        @else
                            <td>CFPLR</td>
                            <td>{{ $user['cfplr_value'] ?? 0 }} % </td>
                            <td>{{ $user['interest_rate_reducing'] - $user['cfplr_value'] ?? 0 }} % </td>
                            <td>{{ $user['interest_rate_reducing'] }} % </td>
                            <td>1</td>
                            <td>12</td>
                            <td>NA</td>
                            <td>NA</td>
                        @endif
                    </tr>
                </table>
            </td>
        </tr>
    @if($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 + $user['consumer_emi']->processing_fee ?>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <td colspan="1">(ii)</td>
                        @if($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td colspan="1">Insurance/Wellness charges</td>
                        @else
                            <td colspan="1">Insurance charges (Premium Including GST)</td>
                        @endif
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">
                            @if($user['proFormaInvoice']->insurance_premium_by_merchant == 2)
                                NA
                            @else
                                <?php echo isset($user['vendor_insurnace_permium']) ? 'One time' : 'NA'?>
                            @endif
                        </td>
                        @if($lender['id'] == \App\Vivriti::$lender_id)
                            <td colspan="1">NA</td>
                        @else
                            <td colspan="1">
                                @if($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>
                        @endif
                    </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>
                        <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">{{ $user['legal_charges'] ?? '' }}</td> <!-- Currently set to 0, value to come from stamp duty ticket -->
                        <?php $payable_to_third_party_RE  = $payable_to_third_party_RE + ($user['legal_charges'] ?? 0) ?>
                    </tr>
                    <tr>
                        <td colspan="1"></td>
                        <td colspan="1">c) CF legal document processing fee charges (including GST)</td>
                        <td colspan="1">One-time</td>
                        <td colspan="1">{{ $user['legal_charges_processing_fee'] ?? '' }}</td> <!-- Currently set to 0, value to come from stamp duty ticket -->
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                    <tr>
                        <td colspan="1"></td>
                        <td colspan="1">d)Cersai charges + GST</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                        <td colspan="1">NA</td>
                    </tr>
                </table>
            </td>
        </tr>
        @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
            <tr>
                <td colspan="5">Amounts are mentioned inclusive of GST that shall be borne by the Borrower 3,4 These Amounts are part of the sanctioned loan amount and hence part of the APR calculation. Accordingly APR would not be calculated separately on these amounts to avoid duplication. These Amounts related to VAS would form part of Net disbursed amounts pursuant to disbursement of loan amount.</td>
            </tr>
        @endif
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td>Annual Percentage Rate (APR)</td>
            <td colspan="3">{{ $aprrate ?? '' }} % reducing</td>
        </tr>
        <tr>
            <th>{{ $rowNumber++ }}</th>
            <td colspan="4">
                <div class="subheading">Details of Contingent Charges (in ₹ or %, as applicable)</div>
                <table class="child-table">
                    <tr>
                        <td>(i) Penal charges, if any, in case of delayed payment</td>
                        @if($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td>2% of overdue EMI per month</td>
                        @elseif($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                            <td>2% p.m</td>
                        @else
                            <td>54.75% p.a of outstanding dues</td>
                        @endif
                    </tr>
                    <tr>
                        <td>(ii) Other penal charges, if any</td>
                        <td>Zero</td>
                    </tr>
                    <tr>
                        <td>(iii) Foreclosure charges, if applicable</td>
                        @if($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td> 0-6 months: Not allowed <br>
                                7-12 months: 6.0% of principal outstanding + GST <br>
                                13-24 months: 4.0% of principal outstanding + GST <br>
                                >24 months: 3.0% of principal   outstanding + GST</td>
                        @else
                            <td>Zero</td>
                        @endif
                    </tr>
                    <tr>
                        <td>(iv) Charges for switching of loans from floating to fixed rate and vice versa</td>
                        @if($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td>450+GST</td>
                        @else
                            <td>Nil</td>
                        @endif
                    </tr>
                    <tr>
                        <td>(v) Any other charges</td>
                        @if($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td>All charges as applicable and as updated on our website</td>
                        @else
                            <td></td>
                        @endif
                    </tr>
                    <tr>
                        <td>(a) Late Payments /Cheque /ECS /NACH dishonoured charges</td>
                        <td>&#8377; 300/- per late payment OR dishonor of cheque/ECS/NACH per
                            presentation. Two successive cheque bounces/ auto debit failure will
                            lead to loan recall notice being issued</td>
                    </tr>
                    <tr>
                        <td>(b) Undated Cheques & Cash Collection</td>
                        <td>We are collecting 2 undated cheques if required. One of Loan Amount & one of EMI Amount. Unused cheques will be shredded at our end after successful repayment of the loan. Any cash collection would include additional Rs 400 per pick up.</td>
                    </tr>
                    <tr>
                        <td>(c) Merchant Refunds & Loan Cancellations</td>
                        <td>In case of a return of a purchase to a merchant, a cancellation
                            charge of 1.4% per month on outstanding principal would be payable.</td>
                    </tr>
                    <tr>
                        <td>(d) Bounce Charges</td>
                        <td>₹ 270</td>
                    </tr>
                    @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                        <tr>
                            <td colspan="3">This KFS shall be valid for a period of 15 working days (Validity Period) <br><br>
                                (Note: The aforesaid Validity Period refers to the period available to the borrower to agree to the terms of the loan upon receipt of this KFS from the Lender.)</td>
                        </tr>
                    @endif
                    {{-- <tr>
                        <td>(vi) Legal Charges</td>
                        <td>{{ $user['legal_charges'] ?? '' }}</td>
                    </tr> --}}
                </table>
            </td>
        </tr>
        @if($lender['id'] == 2 && $pdf != 1)
        <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 
                    $place = ''; 
                    if(isset($stampSeries) && $stampSeries == '02') {
                        $place = 'Maharashtra';
                    } else if (isset($stampSeries) && $stampSeries == '03') {
                        $place = 'Delhi';
                    }
                    $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>
                    &nbsp;&nbsp;&nbsp;&nbsp;In cases where the Borrower receives a government subsidy for the solar project, 
                    the Borrower shall be obligated to prepay an amount equivalent to the subsidy to the Lender immediately 
                    upon receipt or within seven (7) days from the date of receipt, whichever is earlier. Such prepayment shall 
                    be applied towards the outstanding principal, and the Borrower shall be eligible for a corresponding 
                    interest benefit on the prepaid amount, in accordance with the applicable terms and conditions of the loan 
                    agreement as per Clause 3(3.4) of the Subsidy Prepayment Clause. A penalty of 2% per month will be applied 
                    on the subsidy amount if the subsidy payment is not made within seven (7) days from the date of receipt of the same.
                    
                    <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>

        @endif

   
        <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>{{ $rowNumber2++ }}</th>
            <td>Clause of Loan agreement relating to engagement of recovery agents</td>
            @if($lender['id'] == \App\Vivriti::$lender_id)
                <td>Annexure 1</td>
            @elseif($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                <td>Pursuant to Clause 12.1, the Lender is authorised to engage or appoint one or more person(s) to verify any fact or information furnished by, concerning and pertaining to the Borrower and/or to collect any and all Borrower information or activities relating to the administration of the Loan including the rights and authority to collect and receive on behalf of the Lender all dues and unpaid installments and other amounts due by Borrower under this Agreement.</td>
            @elseif($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                <td>Recovery Mechanism: In the event of any delay or default in payment of any amount due and payable by the obligor(s) in relation to the loan, the obligor(s) may be reminded or given notice of demand to pay the overdue amounts by making telephone call(s), sending written communications by letters and/or electronic communications or by making personal visits. Personal visits may be to the workplace and/or residence/ identified place of stay or work of the obligors as per their preference and in case such preference is not communicated/ascertained, obligors will be contacted only at their residence/ identified place of stay and if unavailable at residence, at the place of business/occupation/ identified place of work. Such personal visits shall ideally be between 7.00 am and 7.00 pm. In case of personal visits, identity and authority of persons making such visit for follow up and recovery would be made known to the obligors at the first instance. Lender may utilize the services of the LSP, and the Lender and/or the LSP may utilize the services of collection agents for collection of amounts in relation to the loan. The LSP and the collection agents will be required to follow a code of conduct covering their dealings with the obligors. All the practices adopted for follow up and recovery of dues and enforcement of security will be inconsonance with the law. In addition to the foregoing, the loan may be recalled, and recovery proceedings may be initiated in accordance with the terms and conditions governing the loan. </td>
            @else
                <td>https://creditfair.in/collection_mechanism.pdf</td>
            @endif
            {{-- <td colspan="2">{{ $apr ?? '' }}</td> --}}

        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Clause of Loan agreement which details grievance redressal mechanism</td>
            @if($lender['id'] == \App\Vivriti::$lender_id)
                <td>Annexure 2</td>
            @elseif($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                <td>Annexure A of this KFS comprises details of the Grievance Redressal Mechanism. The details of the Designated Grievance Redressal Officer and the procedure for redressal of grievances have been also placed on the website at https://www.avanse.com/.</td>
            @elseif($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                <td>If you have any query or issue, we request you to write to our customer care. We are committed to resolving your queries/issues. If you are not satisfied with the resolution provided you in 7 days you can write to the Grievance Redressal Officer. If the query is not resolved in 30 days kindly write to the Grievance Redressal Officer.</td>
            @else
                <td>https://creditfair.in/grievance-policy</td>
            @endif
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Phone number and email ID of the nodal grievance redressal officer</td>
            @if($lender['id'] == \App\Vivriti::$lender_id)
                <td>
                    Name: Shraddha Mandlik<br/>
                    Telephone no.: +91 9137504870<br/>
                    E-mail ID.: grievance@creditfair.in<br/><br/>
                    Lender GRO details - Name of the Grievance Redressal Officer/ Principal Nodal Officer: Ajit Menon, Group Chief Operating Officer.<br/>
                    Address: Prestige Zackria Metropolitan, No.200/1-8, 2nd Floor, Block 1, Anna Salai, Chennai 600002<br/>
                    Contact Details (Telephone/Email): 044- 40074801/ grievanceredressal@vivriticapital.com.
                </td>
            @elseif($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                <td>Details of Grievance Redressal Officer <br/>
                    (GRO) of Lender <br/>
                    Name: Mr. G. D. Patil <br/>
                    Designation: Senior Vice President <br/>
                    Telephone: 022-6859-9999 <br/>
                    Address: Avanse Financial Services Limited, E-Wing, 4th Floor, Times Square Andheri-Kurla Rd, Gamdevi, Marol, Andheri East, Mumbai, Maharashtra- 400059 <br/>
                    Email: gro@avanse.com</td>
            @elseif($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                <td>Utkarsh Small Finance Bank GRO details <br/>
                    Name: Naveen Kumar Mishra <br/>
                    Contact: Number: 0542-7109524 <br/>
                    Email: nodalofficer.digi@utkarsh.bank <br/>
                    Address: S-24/1-2 Ground Floor Mahavir Nagar, Orderly Bazar, Near Mahavir Mandir Varanasi, Uttar Pradesh, India, PIN – 221002
                </td>
            @else
                <td>Name: Shraddha Mandlik<br/>
                    Telephone no.: +91 9137504870<br/>
                    E-mail ID.: grievance@creditfair.in
                </td>
            @endif
        </tr>
        @if($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id || $lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
            <tr>
                <th>{{ $rowNumber2++ }}</th>
                <td>Details of Lending Service Provider’s (LSP’s) Nodal Grievance Redressal Officer (if any)</td>
                <td>Details of Grievance Redressal Officer
                    (GRO) of LSP
                    K. M. Global Credit Private Limited <br/>
                    Name: Shraddha Mandlik <br/>
                    Telephone no.: +91 9137504870 <br/>
                    E-mail ID.: grievance@creditfair.in <br/>
                    https://creditfair.in/grievance-policy <br/>
                    Address: Grievance Redressal Officer 6A, 6th Floor, Corporate Centre, Andheri Kurla Road, Near JB Nagar Metro Station, Andheri East, Mumbai 4000598</td>
            </tr>
        @endif
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Whether the loan is subject to transfer to other REs or securitization (Yes/No)</td>
            @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                <td>Yes <br><br> Please refer to Clause 15.11 (Miscellaneous) of the Loan Agreement.</td>
            @else
                <td>Yes</td>
            @endif
        </tr>
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td colspan="3">
                <div class="subheading">In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),
                    following additional details may be furnished:</div>
                <table class="child-table">
                    <tr>
                        <td>Name of the originating RE, along with its funding proportion</td>
                        <td>Name of the partner RE along with its proportion of funding</td>
                        <td>Blended rate of interest</td>
                    </tr>
                    <tr>
                        @if($lender['id'] == \App\Vivriti::$lender_id)
                            <td>K.M GLOBAL CREDIT PVT LTD. (0%)</td>
                            <td>Vivriti Capital (100%)</td>
                            <td>{!! $user['interest_rate_reducing'] !!} %</td>
                        @elseif($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td>a. Originating LSP: K.M. Global Credit Pvt. Limted <br/>
                                b. Funding portion: 0%</td>
                            <td>a. Partner RE: Utkarsh Small Finance Bank <br/>
                                b. Funding portion: 100%</td>
                            <td>NA</td>
                        @else
                            <td>NA</td>
                            <td>NA</td>
                            <td>NA</td>
                        @endif
                    </tr>
                </table>
            </td>
        </tr>
        @if($lender['id'] == \App\Vivriti::$lender_id)
        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Validity of this KFS</td>
            <td>45 Days from the date of issuance</td>
        </tr>
        @endif
        <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{
                                $cool_off = 1;
                            } ?>
                        @if($lender['id'] == \App\Vivriti::$lender_id)
                            <td>NA</td>
                        @elseif($lender['id'] == \App\Utkarsh\Utkarsh::$lender_id)
                            <td>3 days</td>
                        @elseif($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                            <td>No prepayment/foreclosure penalty shall be charged during the loan tenure</td>
                        @else
                            <td>{!! $cool_off !!} days</td>
                        @endif
                    </tr>
                    <tr>
                        <td>(ii) Details of LSP acting as recovery agent and
                            authorized to approach the borrower</td>
                        @if($lender['id'] == \App\Vivriti::$lender_id)
                            <td>NA</td>
                        @elseif($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                            <td>https://creditfair.in/list-of-lsp <br><br>
                                Note: Upon an event of default the Lender may initiate appropriate legal proceedings as per the loan agreement and/or the applicable laws.</td>
                        @else
                            <td>https://creditfair.in/list-of-lsp</td>
                        @endif
                    </tr>
                </table>
            </td>
        </tr>

        <tr>
            <th>{{ $rowNumber2++ }}</th>
            <td>Details of Merchant</td>
            @if($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: {!! $user['merchant_address'] !!}</span><br/>
                    {{-- Updated section to display the merchant account number --}}
                    @if(isset($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>{{ $rowNumber2++ }}</th>
            <td>General Terms and Conditions</td>
            <td>General Terms and Conditions registered on
                the {!! date('d/m/Y',strtotime($lender['registaration_date'])) !!} with
                the SubRegistrar of Assurances {!! $lender['SubRegistrar'] !!}, Vide
                registration no. {!! $lender['vide_registration'] !!} in Book No. - Vol.
                No. -from pages {!! $lender['firstpage'] !!}
                to {!! $lender['lastpage'] !!} will be applicable for the Loan availed
                by the Borrower. The same shall form part and parcel of this Most
                Important Document
                https://creditfair.in/privacy-policy
            </td>
        </tr>
        @if(isset($isHypothecationActive) && $isHypothecationActive)
            <?php $place = 'Maharashtra/Delhi'; if(isset($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>

    @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
    </div>
    <div class="page-agreement" style="padding-top: 20px; page-break-after:always;">
        <div class="heading">Additional Details of the Loan</div>
    <table class="child-table">

        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Lender</td>
            <td>Avanse Financial Services Limited</td>
        </tr>
        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Merchant’s/Institute’s Name</td>
            <td>Name: @if(!$bankDetail && isset($user['center_name']) && $user['center_name']) <?php echo ucfirst($user['center_name']); ?> (<?php echo ucfirst($user['official_merchant_name']); ?>) @else <?php echo ucfirst($user['official_merchant_name']); ?> @if($user['merchant_name']) (<?php echo ucfirst($user['merchant_name']); ?>) @endif @endif</td>
        </tr>
        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Merchant and/or Institutes Account Details</td>
            <td>
                @if(!$bankDetail && isset($user['center_bank']->account_holder))
                    <p>Account Holder: {!! $user['center_bank']->account_holder !!}</p>
                    <p>Account Number: {!! $user['center_bank']->account_number !!}</p>
                    <p>Bank: {!! $user['center_bank']->bank_name !!}</p>
                    <p>Branch: {!! $user['center_bank']->branch_name !!}</p>
                @else
                    <p>Account Holder: {!! $user['merchant_bank_details']->account_holder !!}</p>
                    <p>Account Number: {!! $user['merchant_bank_details']->account_number !!}</p>
                    <p>Bank: {!! $user['merchant_bank_details']->bank_name !!}</p>
                    <p>Branch: {!! $user['merchant_bank_details']->branch_name !!}</p>
                @endif
            </td>
        </tr>
        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Details of Borrower/Co-Borrower</td>
            <td>
                <table class="child-table">
                    <tr>
                        <td>Name of Borrower</td>
                        <td>{!! $user['customer_name'] !!}</td>
                    </tr>
                    <tr>
                        <td>Email</td>
                        <td>{!! $user['customer_email'] !!}</td>
                    </tr>
                    <tr>
                        <td>Phone Number</td>
                        <td>{!! $user['customer_mobile'] !!}</td>
                    </tr>
                    <tr>
                        <td>Address</td>
                        <td>{!! $user['address'] !!}</td>
                    </tr>
                </table><br>
                <table class="child-table">
                    <tr>
                        <td>Name of Co-Borrower</td>
                        <td>{!! $user['co_applicant_name'] or '' !!}</td>
                    </tr>
                    <tr>
                        <td>Email</td>
                        <td>{!! $user['co_applicant_email'] or '' !!}</td>
                    </tr>
                    <tr>
                        <td>Phone number</td>
                        <td>{!! $user['co_applicant_mobile'] or '' !!}</td>
                    </tr>
                    <tr>
                        <td>Address</td>
                        <td>{!! $user['co_address'] or '' !!}</td>
                    </tr>
                </table>
            </td>
        </tr>
        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Purpose</td>
            <td>
                @if($user['merchant_id'] == 143)
                    Education Loan
                @else
                    {!! $user['purpose_of_the_loan'] !!}
                @endif
            </td>
        </tr>
        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Specific Condition</td>
            <td>
                <p>(1) Borrower(s) shall submit valid and requisite documents and meet credit underwriting norms of the Lender.</p>
                <p>(2) In case of premature withdrawal from the course/ request for cancellation of drawdown, the Borrower shall submit no objection certificate from the institute and arrange credit for proportionate refund and foreclosure amount of the Loan to the Lender.</p>
            </td>
        </tr>
        <tr>
            <td>{{ $rowNumber4++ }}</th>
            <td>Examples of Special Mention Account (SMA) and Non Performing Asset (NPA) classification dates.</td>
            <td>PLEASE READ THE FOLLOWING INFORMATION CAREFULLY. AS IT CONTAINS VERY IMPORTANT INFORMATION ABOUT CLASSIFICATION OF YOUR LOAN ACCOUNT BASIS OVERDUE STATUS. SUCH CLASSIFICATION CAN HAVE MATERIAL IMPACT ON YOUR CREDIT STANDING IN CASE FINANCIAL DISCIPLNE IS NOT FOLLOWED IN REPAYING THE LOAN ON TIME.</td>
        </tr>
        <tr>
            <td colspan="3">
                <p style="text-align: center">Borrower(s) to note the following:</p>
                <ul class="custom-bullet">
                    <li>The Loan Account shall be automatically reported as NPA strictly on the 90th Day of it remaining as Overdue.</li>
                    <li>¨The status of the account cannot be upgraded/ regularized to standard from NPA, until all the unpaid instalments are fully repaid along with the other charges/arrears.</li>
                    <li>The Loan Account shall continue as NPA even though the Loan Account is credited with certain months of the instalments out of all the unpaid instalments/arrears.</li>
                    <li>Borrower(s) shall ensure (i) to make timely repayment of the instalment on its due date and (ii) in any case prevent 90 Days Overdue causing NPA.</li>
                </ul>
                <p>Mentioned below is the illustration for Special Mention Account (SMA)/Non-Performing Asset (NPA) classification dates.</p>
                <table class="sub-table">
                    <tr class="header-row">
                        <th rowspan="2">Due Date</th>
                        <th rowspan="2">Date of Overdue</th>
                        <th>Basis for Classification</th>
                        <th>Account Classification</th>
                    </tr>
                    <tr>
                        <td>Principal or interest payment or any other amount wholly or partly overdue</td>
                        <td>SMA Sub-categories</td>
                    </tr>
                    <tr>
                        <td>10th March 2024</td>
                        <td>10th March 2024</td>
                        <td>Up to 30 days</td>
                        <td>SMA-0</td>
                    </tr>
                    <tr>
                        <td>10th April 2024</td>
                        <td>09th April 2024</td>
                        <td>31-60 days</td>
                        <td>SMA-1</td>
                    </tr>
                    <tr>
                        <td>10th May 2024</td>
                        <td>09th May 2024</td>
                        <td>61-90 days</td>
                        <td>SMA-2</td>
                    </tr>
                    <tr>
                        <td>10th June 2024</td>
                        <td>08th June 2024</td>
                        <td>More than 90 days</td>
                        <td>NPA</td>
                    </tr>
                </table>
            </td>
        </tr>
        <tr>
            <td colspan="3">
                <p><strong>Explanation:</strong></p>
                <ul class="custom-bullet">
                    <li>If the due date of an account is 10th March’ 2024, and the full dues/instalment is not received before the Lender runs its day-end process for this date, the date of overdue shall be 10th March’ 2024.</li>
                    <li>If the account continues to remain overdue, then this account shall get tagged as SMA-1 upon running day-end process on 09th April’2024 i.e., upon completion of 30 days of being continuously in overdue. Accordingly, the date of SMA-1 classification for that account shall be 09th April’2024.</li>
                    <li>Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2 upon running the day-end process on 09th May’2024; and</li>
                    <li>If the account continues to remain overdue further, it shall get classified as NPA upon running day-end process on 08th June’ 2024</li>
                    <li>If the instalments of “March’2024” & “April’2024” are collectively repaid post “08th June’ 2024”, then also the account shall continue to be reported as NPA.</li>
                </ul>
                    <p>If all the unpaid instalments (in the above example from “March’2024” till actual realization) are fully paid along with the other charges/arrears, then only the account will be upgraded/regularized as standard asset and shall not be reported as NPA.</p>
            </td>
        </tr>
    </table>
    </div>
    @endif
    </div>
    <!-- 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>{{ $user['consumer_emi']->remaining_emi ?? '' }} months</td>
            </tr>
            <tr>
                <th>(a)</th>
                <td>Number of installments for payment of principal, in case of non-equated periodic loans (months)</td>
                <td>NA</td>
            </tr>
            <tr>
                <th>(b)</th>
                <td>
                    Type of EPI <br/>
                    Amount of each EPI (in Rupees) and <br/>
                    Nos. of EPIs
                </td>
                <td>
                    {{ "Monthly" ?? '' }} <br/>
                    {{ number_format($user['consumer_emi']->emi) ?? '' }} <br/>
                    {{ $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>{{ $rowNumber3++ }}</th>
                <td>Interest rate type </td>
                @if($lender['id'] == \App\Vivriti::$lender_id || $lender['id'] == \App\Utkarsh\Utkarsh::$lender_id || $lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                    <td>Fixed</td>
                @else
                    <td>Floating</td>
                @endif
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Rate of Interest</td>
                {{-- <td>{!! $user['consumer_emi']->interest_rate !!} %</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>₹ {{ $total_interest or 0}} </td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Fee/Charges payable <span style="@if(isset($user['merchant_processing_collected']) && $user['merchant_processing_collected'] == 1)display: none;@endif">(Collected upfront)</span></td>
                <td>₹ {{ ($payable_to_RE + $payable_to_third_party_RE) ?? "" }}</td>
            </tr>
            <tr>
                <th>(a)</th>
                <td>Payable to the RE</td>
                <td>₹ {{ $payable_to_RE ?? ""}}</td>
            </tr>
            <tr>
                <th>(b)</th>
                <td>Payable to third-party routed through RE</td>
                <td>₹ {{ $payable_to_third_party_RE ?? ""}}</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Net Disbursed Amount</td>
                {{-- <td>₹ {{ $user['sanction_amount'] - ($payable_to_RE + $payable_to_third_party_RE) }} /-</td> --}}
                <td>₹ {{ $user['sanction_amount'] }} /-</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Total amount to be paid by the borrower ( 1 + 5 )</td>
                <td>&#8377; {{ number_format($amountCB ?? 0) ?? '' }} /- </td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Annual Percentage rate- Effective annualized interest rate</td>
                <td>{{ $aprrate ?? '' }} %</td>
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Schedule of disbursement as per terms and conditions</td>
                @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                    <td>As per clause 3 in Part 1</td>
                @else
                    <td>Please refer to loan agreement for Disbursal schedule and other terms and conditions.</td>
                @endif
            </tr>
            <tr>
                <th>{{ $rowNumber3++ }}</th>
                <td>Due date of payment of Installment and interest </td>
                @if($lender['id'] == \App\Avanse\Services\AvanseServices::$lender_id)
                    <td>7th of every month</td>
                @else
                    <td>
                    @if ($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>
                @endif

            </tr>
            <tr>
                <td colspan="3" style="text-align:right; font-size:10px;">Exclusive of GST(*)</td>
            </tr>
        </table>
        @if(isset($user['cfplr_value']))
        <p class="c2 c14"><span class="c0" style="font-size: 11px;line-height: 1.40;">*The floating interest rate will be linked to the Credit Fair Prime Lending Rate (CFPLR), which will be updated on the lender's website from time to time according to Credit Fair's policy. The lender has the right to modify CFPLR due to external factors like increase in cost of funds, changes in regulatory policies etc. and also spread thereon owing to slippage in risk profile of the borrower, non-compliance with approved terms and conditions etc. Any change in CFPLR or Spread or both may lead to change in EMI amount/tenor or both. If you wants to change the interest rate type from Floating Interest Rate to Fixed Interest Rate then charges may be applicable as per the prevailing policy of the company.</span></p>
        @endif
    </div>
    <?php
        $payment_frequency_offer = [1 => 12, 2 => 24, 3 => 52, 4 => 365, 5 => 4, 6 => 2, 7 => 1];
        $frequecy_multiplier = ($user['frequency'] > 0) ? $payment_frequency_offer[$user['frequency']] : 12;
        $interest_rate = ($total_interest) / ($principal_amount + $user['consumer_emi']->upfront_from_customer);
        if(isset($user['loan_schedule']) && $user['loan_schedule'] != ''){
            $annualized_interest_rate = round(((($repayable - $principal) / $principal) * ($frequecy_multiplier / $user['consumer_emi']->remaining_emi)) * 100, 2);
        }
    ?>
    <div class="page-agreement" style="page-break-after:always; ">
        <div class="body-content">
            <div style="overflow-x:auto;">
                <div class="title-section">
                    <div class="title" style="margin-top:45px;font-size:20px;font-weight:700px">INDICATIVE REPAYMENT SCHEDULE UNDER EQUATED PERIODIC INSTALMENT</div>
                    <div class="title">(Final/revised repayment schedule will be shared with welcome letter)</div>
                </div>
                <div>
                    <table border="1" class="lps" id="rps_table">
                        <tbody>
                            <tr>
                                <td>Installment No.</td>
                                <td>Outstanding Principal (in Rupees)</td>
                                <td>Principal (in Rupees)</td>
                                <td>Interest (in Rupees)</td>
                                <td>Installment (in Rupees)</td>
                            </tr>
                        @if(isset($user['loan_schedule']) && $user['loan_schedule'] != '')
                            @if(isset($user['loan_schedule']['schedule'][0]))
                                <?php $repayable = 0; $key=0;$totalOutstdPrincipal = 0;$totalPrincipal=0;$totalInterest=0;$totalInstallment=0;?>
                                @foreach($user['loan_schedule']['schedule'] as $key=>$loan_schedule)
                                    <?php $key += 1;?>
                                    @if($key == 27)
                                                </table>
                                            </div>
                                        </div>
                                    </div>
                                    <div class="page-height" style="page-break-after:always;">
                                        <div class="body-content">
                                            <div style="overflow-x:auto;">
                                                <table border="1" class="lps" id="rps_table">
                                    @endif
                                    <div class="page-agreement" style="page-break-after:always; ">
                                        <tr>
                                            <td style="padding: 2px;font-size: 12px;">{!! $key !!}</td>
                                            <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round($loan_schedule['fore_closure_amount'],2)) !!}</td> <!-- outstanding principle -->
                                            <?php
                                            if ($user['is_gst_applicable'] == 0) {
                                                $interest_payable = $loan_schedule['interest'] + $loan_schedule['subvention'];
                                            } else {
                                                $interest_payable = $loan_schedule['interest'];
                                            }
                                            $totalOutstdPrincipal += $loan_schedule['fore_closure_amount'];
                                            if($user['consumer_emi']->interest_rate > 0) {
                                                $totalPrincipal += $loan_schedule['amount'] - $interest_payable;
                                                $totalInterest += $interest_payable;
                                            } else if($user['is_gst_applicable']) {
                                                $totalPrincipal += $loan_schedule['amount'];
                                                $totalInterest = 0;
                                            } else {
                                                $totalPrincipal += $loan_schedule['amount'] - $interest_payable;
                                                $totalInterest += $loan_schedule['subvention'];
                                            }

                                            if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee) {
                                                $totalInstallment += $loan_schedule['amount'] + $user['consumer_emi']->processing_fee;
                                            } else {
                                                $totalInstallment += $loan_schedule['amount'];
                                            }
                                            ?>
                                            <!-- Principle & Interest -->
                                            @if($user['consumer_emi']->interest_rate > 0)
                                                <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round(($loan_schedule['amount'] - $interest_payable),2)) !!}</td>
                                                @if($user['is_gst_applicable'] == 0)
                                                    <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round(($interest_payable),2)) !!}</td>
                                                @else
                                                    <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round(($interest_payable),2)) !!}</td>
                                                @endif
                                            @else
                                                @if($user['is_gst_applicable'])
                                                    <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round(($loan_schedule['amount']),2)) !!}</td>
                                                    <td style="padding: 6px;font-size: 12px;">&#8377;0</td>
                                                @else
                                                    <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round(($loan_schedule['amount'] - $interest_payable),2)) !!}</td>
                                                    <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round($loan_schedule['subvention'],2)) !!}</td>
                                                @endif
                                            @endif
                                            <!-- Installment amount -->
                                            @if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee)
                                                <td style="padding: 6px;font-size: 12px;">
                                                    &#8377;{!! money_format('%!i',round($loan_schedule['amount'] + $user['consumer_emi']->processing_fee ,2)) !!}</td>
                                            @else
                                                <td style="padding: 6px;font-size: 12px;">
                                                    &#8377;{!! money_format('%!i',round($loan_schedule['amount'],2)) !!}</td>
                                            @endif
                                        </tr>
                                    </div>
                                @endforeach
                                <tr style="padding: 2px;font-size: 12px;">
                                    <td colspan="1" align="center"><b>Total</b></td>
                                    <td></td>
                                    <td>&#8377;{!! money_format('%!i',round($totalPrincipal, 2)) !!}</td>
                                    <td>&#8377;{!! money_format('%!i',round($totalInterest, 2)) !!}</td>
                                    <td>&#8377;{!! money_format('%!i',round($totalInstallment, 2)) !!}</td>
                                </tr>
                            @endif
                        @elseif($user['loan_schedule_new'] && $user['loan_schedule_new'] != "")
                                <?php $total_repayable = 0; $loan_schedule = ''; $key=0;$totalOutstdPrincipal = 0;$totalPrincipal=0;$totalInterest=0;
                                $totalInstallment=0;?>
                                @foreach($user['loan_schedule_new'] as $key=>$loan_schedule)
                                    @if($key == 27)
                                                </table>
                                            </div>
                                        </div>
                                    </div>
                                    <div class="page-height" style="page-break-after:always;">
                                        <div class="body-content">
                                            <div style="overflow-x:auto;">
                                                <table border="1" class="sps lps" id="rps_table">
                                    @endif
                                    <div class="page-agreement" style="page-break-after:always;">
                                        <?php
                                        $emi_amount = round($loan_schedule['emi_amount']);
                                        if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee){
                                            $emi_amount += $user['consumer_emi']->processing_fee;
                                        }

                                        if($loan_schedule['bpi_interest'] > 0){
                                            $totalOutstdPrincipal += $loan_schedule['bpi_interest'];
                                        }
                                        $totalOutstdPrincipal += $loan_schedule['foreclosure_amount'];
                                        $totalPrincipal += $loan_schedule['principal_comp'];
                                        $totalInterest += $loan_schedule['interest_comp'];
                                        $totalInstallment += $emi_amount;
                                        ?>
                                        @if($loan_schedule['bpi_interest'] > 0)
                                            <tr style="padding: 2px;font-size: 12px;">
                                                <td style="padding: 2px;font-size: 12px;">Pre-EMI</td>
                                                <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round($loan_schedule['bpi_interest'])) !!}</td>
                                                <td style="padding: 6px;font-size: 12px;">NA</td>
                                                <td style="padding: 6px;font-size: 12px;">NA</td>
                                                <td style="padding: 6px;font-size: 12px;">NA</td>
                                            </tr>
                                        @endif
                                            <tr>
                                                @if ($key == 0)
                                                <td style="padding: 2px;font-size: 12px;"></td>
                                                @else
                                                <td style="padding: 2px;font-size: 12px;">{!! $key !!}</td>
                                                @endif
                                                <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round($loan_schedule['foreclosure_amount'])) !!}</td>
                                                <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round($loan_schedule['principal_comp'])) !!}</td>
                                                <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',round($loan_schedule['interest_comp'])) !!}</td>
                                                <td style="padding: 6px;font-size: 12px;">&#8377;{!! money_format('%!i',$emi_amount) !!}</td>
                                            </tr>
                                    </div>
                                @endforeach
                                <tr style="padding: 2px;font-size: 12px;">
                                    <td align="center"><b>Total </b></td>
                                    <td></td>
                                    <td>&#8377;{!! money_format('%!i',round($totalPrincipal, 2)) !!}</td>
                                    <td>&#8377;{!! money_format('%!i',round($totalInterest, 2)) !!}</td>
                                    <td>&#8377;{!! money_format('%!i',round($totalInstallment, 2)) !!}</td>
                                </tr>
                        @endif
                        </tbody>
                    </table>
                    <br>
                    <br>
                </div>
            </div>
        </div>
    </div>
</div> <!-- KFS Section div -->
{{-- </div>  --}}
{{-- </body> --}}
{{-- </html> --}}