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36582 41 d 23 h amit /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/ Flagship credit: remove 50% cap, add conversion notification, expose utilization to partner app

- Removed FLAGSHIP_CREDIT_LIMIT_PERCENT cap logic — flagship uses 100% of credit limit
- Added push notification on flagship-to-loan conversion (sale/activation/expiry)
- Updated T&C: mentions credit limit utilization, activation trigger, whichever-is-earlier
- Added flagshipUtilization field to SDCreditResponseOut for partner app UI
 
36557 43 d 8 h amit /trunk/ feat: Flagship Credit - 30 interest-free days for flagship models with billing split, expiry conversion, API-driven T&C  
35916 118 d 0 h amit /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/ Add partnerType field to SD Credit page response for partner app  
35912 118 d 2 h amit /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/ Store loan-level overdue/penalty rates, dynamic credit terms and TnC via APIs

- Add overdue_rate and penalty_rate columns to Loan entity (frozen at creation)
- addInterest()/checkLoans() read from loan instead of global constants
- SDCreditResponseOut: add overdueRate, penaltyRate, creditTerms fields
- sdDirectService(): resolve effective credit days by partner type (20 for Diamond/Platinum)
- InvoiceService: build credit terms from loan rates instead of hardcoded strings
- Add reusable buildCreditTerms() helper in SDCreditServiceImpl
 
35087 274 d 19 h amit /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/ Added files for response out  
33449 744 d 1 h ranu /trunk/ add total due and utilization number on wallet  
33448 744 d 1 h ranu /trunk/ b2b sd credit add total due and utilization  
31020 1357 d 16 h tejbeer /trunk/ loan hold change  
30859 1403 d 21 h tejbeer /trunk/ sddirect loan