Subversion Repositories SmartDukaan

    public void updatePartnerLimit(int fofoId) throws ProfitMandiBusinessException {

        LocalDateTime firstBillingDate = transactionRepository.getFirstBillingDate(fofoId);

        CreditAccount creditAccount = creditAccountRepository.selectByFofoIdAndGateway(fofoId, Gateway.SDDIRECT);

        BigDecimal utilizationAmount = sdCreditService.getUtilizationAmount(fofoId);

        PartnerDailyInvestment partnerDailyInvestment = partnerInvestmentService.getInvestment(fofoId, 0);

        BigDecimal suggestedAmount = this.getSuggestedAmount(creditAccount, partnerDailyInvestment, utilizationAmount, null);

        SDCreditRequirement sdCreditRequirement = sdCreditRequirementRepository.selectByFofoId(fofoId);

        LOGGER.info("suggestedAmount {} ", suggestedAmount);

        if (sdCreditRequirement == null) {

            sdCreditRequirement = new SDCreditRequirement();

            sdCreditRequirement.setFofoId(fofoId);

            sdCreditRequirement.setCreditDays(15);

            sdCreditRequirement.setInterestRate(ProfitMandiConstants.NEW_INTEREST_RATE);

            sdCreditRequirement.setRisk(CreditRisk.HIGH_RISK);

            sdCreditRequirement.setUtilizedAmount(BigDecimal.ZERO);

            sdCreditRequirement.setCreateTimestamp(LocalDateTime.now());

            sdCreditRequirement.setUpdateTimestamp(LocalDateTime.now());

            sdCreditRequirementRepository.persist(sdCreditRequirement);

        }

        CreditRisk creditRisk = sdCreditService.getCurrentRisk(sdCreditRequirement, firstBillingDate);

        sdCreditRequirement.setRisk(creditRisk);

        LOGGER.info("Suggested Amount - {}", suggestedAmount);

        sdCreditRequirement.setSuggestedLimit(suggestedAmount);

        if (!sdCreditRequirement.isHardLimit()) {

            sdCreditRequirement.setLimit(suggestedAmount);

        }

        BigDecimal availableLimit = sdCreditRequirement.getLimit().subtract(utilizationAmount);

        LOGGER.info("utilizedLimit {} ", utilizationAmount);

        LOGGER.info("availableLimit {} ", availableLimit);

        sdCreditRequirement.setUtilizedAmount(utilizationAmount);

        sdCreditRequirement.setUpdateTimestamp(LocalDateTime.now());

        if (creditAccount != null) {

            creditAccount.setInterestRate(sdCreditRequirement.getInterestRate().floatValue());

            creditAccount.setSanctionedAmount(sdCreditRequirement.getLimit().floatValue());

            creditAccount.setAvailableAmount(availableLimit.floatValue());

            creditAccount.setFreeDays(sdCreditRequirement.getFreeDays());

            creditAccount.setUpdatedOn(LocalDateTime.now());

        }

    }

    public void updatePartnerLimit() throws ProfitMandiBusinessException {

        synchronized (SD_CREDIT_LOCK) {

            Map<Integer, CustomRetailer> customRetailerMap = retailerService.getFofoRetailers(true);

            Map<Integer, BigDecimal> fofoSidbiLimitMap = sidbiService.getSuggestedLimitMap();

            Map<Integer, SDCreditRequirement> sdCreditRequirementMap = sdCreditRequirementRepository.selectAll().stream().collect(Collectors.toMap(x -> x.getFofoId(), x -> x));

            Map<Integer, CreditAccount> creditAccountMap = creditAccountRepository.selectAllByGateways(Arrays.asList(Gateway.SIDBI, Gateway.SDDIRECT))

                    .stream().filter(x -> x.isActive()).collect(Collectors.toMap(x -> x.getFofoId(), x -> x));

            Map<Integer, BulkCreditSummary> bulkSummaryMap = sdCreditService.getCreditSummaryBulk();

            // Sort by fofoId to ensure deterministic row-locking order and prevent deadlocks

            List<Integer> sortedFofoIds = customRetailerMap.keySet().stream().sorted().collect(Collectors.toList());

            for (int fofoId : sortedFofoIds) {

                CustomRetailer customRetailer = customRetailerMap.get(fofoId);

                LocalDateTime firstBillingDate = transactionRepository.getFirstBillingDate(fofoId);

                CreditAccount creditAccount = creditAccountMap.get(fofoId);

                BulkCreditSummary bulkSummary = bulkSummaryMap.get(fofoId);

                BigDecimal utilizationAmount = bulkSummary != null ? bulkSummary.getUtilization() : BigDecimal.ZERO;

                PartnerDailyInvestment partnerDailyInvestment = partnerInvestmentService.getInvestment(fofoId, 0);

                BigDecimal suggestedAmount = this.getSuggestedAmount(creditAccount, partnerDailyInvestment, utilizationAmount, fofoSidbiLimitMap.get(fofoId));

                SDCreditRequirement sdCreditRequirement = sdCreditRequirementMap.get(fofoId);

                LOGGER.info("suggestedAmount {} ", suggestedAmount);

                if (sdCreditRequirement == null) {

                    sdCreditRequirement = new SDCreditRequirement();

                    sdCreditRequirement.setFofoId(fofoId);

                    sdCreditRequirement.setCreditDays(15);

                    sdCreditRequirement.setInterestRate(ProfitMandiConstants.NEW_INTEREST_RATE);

                    sdCreditRequirement.setRisk(CreditRisk.HIGH_RISK);

                    sdCreditRequirement.setUtilizedAmount(BigDecimal.ZERO);

                    sdCreditRequirement.setCreateTimestamp(LocalDateTime.now());

                    sdCreditRequirement.setUpdateTimestamp(LocalDateTime.now());

                    sdCreditRequirementRepository.persist(sdCreditRequirement);

                }

                CreditRisk creditRisk = sdCreditService.getCurrentRisk(sdCreditRequirement, firstBillingDate);

                sdCreditRequirement.setRisk(creditRisk);

                sdCreditRequirement.setSuggestedLimit(suggestedAmount);

                if (!sdCreditRequirement.isHardLimit()) {

                    sdCreditRequirement.setLimit(suggestedAmount);

                }

                BigDecimal availableLimit = sdCreditRequirement.getLimit().subtract(utilizationAmount);

                LOGGER.info("utilizedLimit {} ", utilizationAmount);

                LOGGER.info("availableLimit {} ", availableLimit);

                sdCreditRequirement.setUtilizedAmount(utilizationAmount);

                sdCreditRequirement.setUpdateTimestamp(LocalDateTime.now());

                if (creditAccount != null) {

                    creditAccount.setInterestRate(sdCreditRequirement.getInterestRate().floatValue());

                    creditAccount.setSanctionedAmount(sdCreditRequirement.getLimit().floatValue());

                    creditAccount.setAvailableAmount(availableLimit.floatValue());

                    creditAccount.setFreeDays(sdCreditRequirement.getFreeDays());

                    creditAccount.setUpdatedOn(LocalDateTime.now());

                }

            }

        }

    }

    private static final NavigableMap<Double, Double> discountMap = new TreeMap<>();

    static {

        discountMap.put(4 * ProfitMandiConstants.ONE_LAC - 1, 0.2);    // Up to 3,99,999 -> 20%

        discountMap.put(10 * ProfitMandiConstants.ONE_LAC - 1, 0.25);  // 4,00,000 to 9,99,999 -> 25%

        discountMap.put(20 * ProfitMandiConstants.ONE_LAC - 1, 0.3);   // 10,00,000 to 19,99,999 -> 30%

        discountMap.put(Double.MAX_VALUE, 0.4);                        // 20,00,000 and above -> 40%

    }

    public BigDecimal getSuggestedLimit(double investmentValue) {

        double percentageValue = discountMap.ceilingEntry(investmentValue).getValue();

        return this.getSuggestedAmount(investmentValue, percentageValue);

    }

    private static final BigDecimal FIFTEEN_LAC = BigDecimal.valueOf(1500000);

    private BigDecimal getSuggestedAmount(double investmentValue, double percentageValue) {

        return BigDecimal.valueOf(investmentValue * percentageValue).min(FIFTEEN_LAC);

    }

    private BigDecimal getSuggestedAmount(CreditAccount creditAccount, PartnerDailyInvestment

            partnerDailyInvestment, BigDecimal utilizationAmount, BigDecimal sidbiLimit) {

        BigDecimal suggestedAmount = BigDecimal.ZERO;

        double utilization = utilizationAmount != null ? utilizationAmount.doubleValue() : 0;

        //1 LAC

        if (creditAccount == null || creditAccount.getGateway().equals(Gateway.SDDIRECT)) {

            if (partnerDailyInvestment != null) {

                if (hundredPercentLimitPartnerIds.contains(partnerDailyInvestment.getFofoId())) {

                    suggestedAmount = getSuggestedAmount(partnerDailyInvestment.getTotalInvestment() - utilization, 1);

                    suggestedAmount = suggestedAmount.min(FIFTEEN_LAC);

                } else {

                    suggestedAmount = getSuggestedLimit(partnerDailyInvestment.getTotalInvestment() - utilization);

                }

            }

            if (suggestedAmount.doubleValue() < 0) {

                suggestedAmount = BigDecimal.ZERO;

            }

        } else if (creditAccount.getGateway().equals(Gateway.SIDBI) && sidbiLimit != null) {

            suggestedAmount = getSuggestedLimit(partnerDailyInvestment.getTotalInvestment() - utilization);

            suggestedAmount = suggestedAmount.max(sidbiLimit);

        }

        return suggestedAmount;

    }