UI MOCK-UP LMMS — Regroup Transaction (Close Add-On & Regroup GL)
For review only — not a working screen. Figures follow the Worked Example (Draft 0.4 — Gross rate basis per CR-002, Token Loss & Documentation Charges per CR-001 rules); Scenario A is prefilled. In view 2, everything recalculates live: toggle Close/Retain, edit outstanding amounts, weights and the requested amount.
🔁 Regroup Transactions
Close an existing Add-On Loan and regroup GLs into a new lot with a fresh Add-On Loan.
Txn RefCustomerExisting MappingGLs Closed / Retained New Add-OnNet Cash FlowStatusSubmitted On
RGT-2026-000012Suresh Kumar (C-005)LOT-2026-000034 1 closed / 1 retained₹52,500 +₹25,500 Pending Approval08/07/2026⋮
RGT-2026-000011Meera Nair (C-014)LOT-2026-000029 2 closed / 0 retained₹32,500 −₹1,33,500 Draft—⋮
RGT-2026-000010Abdul Rasheed (C-021)LOT-2026-000018 0 closed / 2 retained₹82,500 +₹2,70,000 Approved05/07/2026⋮
RGT-2026-000009Lakshmi Devi (C-008)LOT-2026-000022 1 closed / 2 retained₹65,000 +₹41,200 Returned03/07/2026⋮
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Navigation: Regroup Transaction → New Regroup (/regroup/new) — a separate menu item beside Combined Transaction. List is branch-scoped like other transaction screens. Draft/Returned rows open in edit; others open read-only.

New Regroup Transaction

CLOSING LEG — Close Add-On Loan & Selected GL(s)

Mapping Reference
LOT-2026-000034
Customer
Suresh Kumar (C-005)
Add-On Account No.
AL202600000155
Add-On Disbursed
01/03/2026 ✓ after cut-off 01/01/2026
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ⓘ The Add-On Loan is settled in full in this transaction — principal + interest above are collected entirely.
ActionGL #Weight (g) RatioO/S PrincipalO/S Interest Token LossGL Settlement

NEW LOT LEG — New GL(s) + Fresh Add-On Loan

SourceGL #Weight (g) Loan Amount (= O/S)Doc ChargeDisbursement Loan DateNew Ratio
Max: 
NET CASH FLOW

Regroup Transaction — RGT-2026-000012 Pending Approval

Closing Leg — LOT-2026-000034

Customer
Suresh Kumar (C-005)
Add-On Account
AL202600000155
Add-On Disbursed
01/03/2026 ✓ after cut-off
Add-On Settlement (full P+I)
₹53,500
GL #ActionWeightRatioO/S PrincipalO/S InterestToken LossGL Settlement
GL251100010001Close60.00060.00%₹2,00,000₹14,000₹500₹2,14,500
GL251100010002Retain → new lot40.00040.00%————
Closed GL Settlement (P+I+Token)
₹2,14,500
Closed Principal Portion
₹30,000 (60% of ₹50,000)
Total Closing Leg
₹2,68,000

New Lot Leg — AL202600000160

SourceGL #WeightLoan AmountDoc ChargeDisbursementNew Ratio
NewGL26070099000150.000₹2,42,500₹1,500₹2,41,00055.56%
RetainedGL25110001000240.000———44.44%
Gross Gold Value (50 g × ₹5,500)
₹2,75,000
Less New GL Outstanding
₹2,42,500
New GL Eligibility
₹32,500
Carried Outstanding
₹20,000
Eligible Amount
₹52,500
Max Permissible
₹55,000
Requested / Approved Amount
₹52,500
NET CASH FLOW
+₹25,500
Customer receives funds
(New Add-On ₹52,500 + New GL disbursement ₹2,41,000) − Closing Leg ₹2,68,000

Submission & Approval

Submitted By
branch.user01 — Perinthalmanna
Submitted At
08/07/2026 11:42
Gold Rate Applied
₹5,500 / g — Gross basis
Rounding Unit
₹5,000
🥇 Gold Rate Master
CR-002: each rate now carries a Rate Basis (Net / Gross). Single-active-rate rule unchanged.
Rate DateRate / gramRate BasisActiveUpdated By
09/07/2026₹5,500.00 Gross — full gold value Activeadmin⋮
08/07/2026₹525.00 Net — add-on headroom (legacy) —admin⋮
07/07/2026₹520.00 Net — add-on headroom (legacy) —admin⋮

New Gold Rate

Defaults to the basis of the currently active rate. Guardrail: a Gross rate below ₹1,000/g or a Net rate above ₹1,000/g prompts a confirmation — it usually means the wrong basis was picked.

Historical rates are backfilled as Net (legacy) and remain linked to the transactions that used them — nothing is recalculated. Eligibility always follows the basis of the rate applied to that transaction.