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FINERACT-2421: Added e2e tests for verifying EMI Rounding issue due to 0.01 disbursement
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‎fineract-e2e-tests-runner/src/test/resources/features/EMICalculation-Part4.feature‎

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@@ -447,6 +447,7 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
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@TestRailId:C76742
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Scenario: Progressive loan with downpayment - 0.01 disbursement is assigned to the last installment and full repayment closes the loan
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When Admin sets the business date to "18 February 2026"
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When Admin creates a client with random data
@@ -476,3 +477,100 @@ Feature: EMI calculation and repayment schedule checks for interest bearing loan
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| 18 February 2026 | Disbursement | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.01 |
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| 08 April 2026 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C76743
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Scenario: Disbursement of 0.01 on progressive product distributes residual to first installment
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When Admin sets the business date to "18 February 2026"
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When Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026"
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When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan has 0.01 outstanding amount
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 18 February 2026 | | 0.01 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 18 February 2026 | 18 February 2026 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 16 | 06 March 2026 | | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 |
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| 3 | 16 | 22 March 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 16 | 07 April 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 0.01 | 0.0 | 0.0 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | 0.01 |
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When Admin sets the business date to "06 March 2026"
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And Customer makes "AUTOPAY" repayment on "06 March 2026" with 0.01 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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Then Loan has 0.0 outstanding amount
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 18 February 2026 | Disbursement | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.01 |
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| 06 March 2026 | Repayment | 0.01 | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C76744
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Scenario: Disbursement of 0.02 on progressive product distributes residual to first installment
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When Admin sets the business date to "18 February 2026"
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When Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026"
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When Admin successfully disburse the loan on "18 February 2026" with "0.02" EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan has 0.02 outstanding amount
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Then Loan Repayment schedule has 4 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 18 February 2026 | | 0.02 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 0 | 18 February 2026 | 18 February 2026 | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 16 | 06 March 2026 | | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 |
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| 3 | 16 | 22 March 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 4 | 16 | 07 April 2026 | 18 February 2026 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 0.02 | 0.0 | 0.0 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | 0.02 |
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When Admin sets the business date to "06 March 2026"
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And Customer makes "AUTOPAY" repayment on "06 March 2026" with 0.02 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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Then Loan has 0.0 outstanding amount
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Then Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
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| 18 February 2026 | Disbursement | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 | 0.02 |
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| 06 March 2026 | Repayment | 0.02 | 0.02 | 0.0 | 0.0 | 0.0 | 0.0 |
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@TestRailId:C76745
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Scenario: Partial repayment of 0.01 residual does not flip loan to OVERPAID
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When Admin sets the business date to "18 February 2026"
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When Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026"
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When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount
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Then Loan status will be "ACTIVE"
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# Repayment of 0.01 on the disbursement day must close the loan, NOT leave balance 0.01 and flip to OVERPAID
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And Customer makes "AUTOPAY" repayment on "18 February 2026" with 0.01 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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Then Loan has 0.0 outstanding amount
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@TestRailId:C76746
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Scenario: Multi-disbursement, 0.01 first tranche followed by 99.99 second tranche amortises cleanly
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When Admin sets the business date to "18 February 2026"
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When Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 18 February 2026 | 100 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 48 | DAYS | 16 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "18 February 2026" with "100" amount and expected disbursement date on "18 February 2026"
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# First tranche
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When Admin successfully disburse the loan on "18 February 2026" with "0.01" EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan has 0.01 outstanding amount
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# Second tranche on the same day, before any installment is due, must re-amortise to a full 100-loan schedule.
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# Auto-downpayment on 99.99 is round(99.99 * 25%, multiplesOf=1) = 25, so outstanding = 0.01 + 99.99 - 25 = 75.00.
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When Admin successfully disburse the loan on "18 February 2026" with "99.99" EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan has 75.0 outstanding amount
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# Pay down full outstanding, loan must close cleanly (not OVERPAID with a ghost 0.01 residual from the first tranche)
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When Admin sets the business date to "08 April 2026"
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And Customer makes "AUTOPAY" repayment on "08 April 2026" with 75 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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Then Loan has 0.0 outstanding amount

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