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37997 5 h 38 m amit /trunk/profitmandi-fofo/src/main/java/com/spice/profitmandi/web/config/ fix(mail): rotate sdtech@smartdukaan.com Gmail app password

Old app password rejected with 535-5.7.8 BadCredentials since 2026-11-02 04:00;
all googleMailSender (smtp.gmail.com:465) mail failing. New password verified
(AUTH 235 Accepted) from the prod app server.		  
37996 5 h 38 m amit /trunk/profitmandi-web/src/main/java/com/spice/profitmandi/web/config/ fix(mail): rotate sdtech@smartdukaan.com Gmail app password

Old app password rejected with 535-5.7.8 BadCredentials since 2026-11-02 04:00;
all googleMailSender (smtp.gmail.com:465) mail failing. New password verified
(AUTH 235 Accepted) from the prod app server.		  
37995 5 h 38 m amit /trunk/profitmandi-cron/src/main/java/com/smartdukaan/cron/ fix(mail): rotate sdtech@smartdukaan.com Gmail app password

Old app password rejected with 535-5.7.8 BadCredentials since 2026-11-02 04:00;
all googleMailSender (smtp.gmail.com:465) mail failing. New password verified
(AUTH 235 Accepted) from the prod app server.		  
37994 8 h 26 m amit /trunk/profitmandi-cron/src/main/java/com/smartdukaan/cron/scheduled/ fix(credit-limit): settled SIDBI partner falls back to investment-based limit

A SIDBI partner with no unsettled sanction got a suggested limit of 0; it now gets the normal
investment-based limit, with the SIDBI unsettled amount as a floor only while a sanction is open.		  
37993 8 h 26 m amit /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/dao/service/ fix(sidbi): extend principal deduction schedule to 48 months and sum it correctly

Monthly SIDBI deductions crashed with IndexOutOfBounds once a sanction passed month 24, rolling back
the whole run (settled_amount frozen since 5 Apr 2026). Months 1-24 are kept; the remaining principal
is re-amortised over months 25-48 at 18% p.a. Deduction is now the running sum of months repaid
(was N x month-N value, which over-settled), and from month 48 the full loan is settled so settled_on is set.		  
37992 1 d 4 h ranu /trunk/ rbm drr billed partner also coming  
37991 1 d 5 h vikas /trunk/ Extended name: use AuthUser.getFullName() everywhere employee names are shown  
37990 1 d 5 h vikas /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/dao/model/ Added Extended Auth User Name  
37989 1 d 5 h vikas /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/dao/entity/auth/ Chola Integration  
37988 1 d 6 h vikas /trunk/ Added Extended Name of User  
37987 1 d 6 h ranu /trunk/ diwali online scratch offer, otp send to email  
37986 1 d 6 h amit /trunk/profitmandi-fofo/src/main/java/com/spice/profitmandi/web/controller/ feat(credit): wallet page passes default-loan count to the inactive message (needs dao commit of same change)  
37985 1 d 6 h amit /trunk/profitmandi-web/src/main/java/com/spice/profitmandi/web/controller/ feat(credit): gateway status passes default-loan count to the inactive message (needs dao commit of same change)  
37984 1 d 6 h amit /trunk/profitmandi-dao/src/ feat(credit): LOAN_DEFAULT partner message asks to contact Manager once all defaulted loans are cleared

- getPartnerInactiveMessage takes the partner's current default-loan count
- LOAN_DEFAULT with 0 defaulted loans: 'Your SD Credit is on hold. Please contact your Manager.'
- still-defaulted and other inactive reasons unchanged; account stays inactive till CEO unblock
- web and fofo callers updated in the matching commits		  
37983 2 d 0 h ranu /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/dao/service/ social media online offer ui commit  
37982 2 d 2 h ranu /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/dao/enumuration/inventory/ diwali online scratch offer  
37981 2 d 2 h ranu /trunk/profitmandi-fofo/src/main/webapp/ social media online offer ui commit  
37980 2 d 2 h ranu /trunk/ diwali online scratch offer  
37979 3 d 6 h amit /trunk/profitmandi-dao/src/main/java/com/spice/profitmandi/ feat(credit): overdue loans don't block credit orders till 15 Nov 2026

- till 2026-11-15 (inclusive) only defaulted loans (past 30 days) block SD Credit orders; loans past due date but within 30 days don't
- from 2026-11-16 the original rule (any overdue loan blocks) applies again automatically
- CreditSummary.defaultCount added; LOAN_DEFAULT deactivation and 30-day high-risk block unchanged		  
37978 4 d 5 h ranu /trunk/profitmandi-fofo/src/main/ analytics dashboard created  

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