FINERACT-1958: Fix repayment schedule generation
diff --git a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java
index df7aa3b..57b2528 100644
--- a/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java
+++ b/fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/LoanApplicationTerms.java
@@ -1417,10 +1417,14 @@
     }
 
     @NotNull
-    public Money getMaxOutstandingBalance() {
+    public Money getMaxOutstandingBalanceMoney() {
         return Money.of(getCurrency(), this.maxOutstandingBalance);
     }
 
+    public BigDecimal getMaxOutstandingBalance() {
+        return maxOutstandingBalance;
+    }
+
     public BigDecimal getFixedEmiAmount() {
         BigDecimal fixedEmiAmount = this.fixedEmiAmount;
         if (getCurrentPeriodFixedEmiAmount() != null) {
@@ -1882,4 +1886,7 @@
         this.variationDays += daysToAdd;
     }
 
+    public LocalDate getLoanEndDate() {
+        return loanEndDate;
+    }
 }
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractCumulativeLoanScheduleGenerator.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractCumulativeLoanScheduleGenerator.java
index 7a01ba3..fbe32e9 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractCumulativeLoanScheduleGenerator.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractCumulativeLoanScheduleGenerator.java
@@ -1005,11 +1005,13 @@
                     && !DateUtils.isAfter(disburseDetail.getKey(), scheduledDueDate)) {
                 // validation check for amount not exceeds specified max
                 // amount as per the configuration
-                Money maxOutstandingBalance = loanApplicationTerms.getMaxOutstandingBalance();
-                if (scheduleParams.getOutstandingBalance().plus(disburseDetail.getValue()).isGreaterThan(maxOutstandingBalance)) {
-                    String errorMsg = "Outstanding balance must not exceed the amount: " + maxOutstandingBalance;
-                    throw new MultiDisbursementOutstandingAmoutException(errorMsg, maxOutstandingBalance.getAmount(),
-                            disburseDetail.getValue());
+                if (loanApplicationTerms.getMaxOutstandingBalance() != null) {
+                    Money maxOutstandingBalance = loanApplicationTerms.getMaxOutstandingBalanceMoney();
+                    if (scheduleParams.getOutstandingBalance().plus(disburseDetail.getValue()).isGreaterThan(maxOutstandingBalance)) {
+                        String errorMsg = "Outstanding balance must not exceed the amount: " + maxOutstandingBalance;
+                        throw new MultiDisbursementOutstandingAmoutException(errorMsg, maxOutstandingBalance.getAmount(),
+                                disburseDetail.getValue());
+                    }
                 }
 
                 // creates and add disbursement detail to the repayments
diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractProgressiveLoanScheduleGenerator.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractProgressiveLoanScheduleGenerator.java
index 1f0380e..4984ed5 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractProgressiveLoanScheduleGenerator.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/loanschedule/domain/AbstractProgressiveLoanScheduleGenerator.java
@@ -25,6 +25,7 @@
 import java.util.ArrayList;
 import java.util.Collection;
 import java.util.HashSet;
+import java.util.Iterator;
 import java.util.List;
 import java.util.Map;
 import java.util.Set;
@@ -77,8 +78,7 @@
                 : loanApplicationTerms.getSubmittedOnDate();
 
         LoanScheduleParams scheduleParams = LoanScheduleParams.createLoanScheduleParams(currency,
-                Money.of(currency, chargesDueAtTimeOfDisbursement), periodStartDate,
-                getPrincipalToBeScheduled(loanApplicationTerms, periodStartDate));
+                Money.of(currency, chargesDueAtTimeOfDisbursement), periodStartDate, Money.zero(currency));
 
         List<LoanScheduleModelPeriod> periods = createNewLoanScheduleListWithDisbursementDetails(loanApplicationTerms, scheduleParams,
                 chargesDueAtTimeOfDisbursement);
@@ -90,7 +90,9 @@
         final Set<LoanCharge> nonCompoundingCharges = separateTotalCompoundingPercentageCharges(loanCharges);
         boolean isNextRepaymentAvailable = true;
 
-        while (!scheduleParams.getOutstandingBalance().isZero()) {
+        boolean thereIsDisbursementBeforeOrOnLoanEndDate = scheduleParams.getDisburseDetailMap().entrySet().stream()
+                .anyMatch(d -> !d.getKey().isAfter(loanApplicationTerms.getLoanEndDate()));
+        while (!scheduleParams.getOutstandingBalance().isZero() || thereIsDisbursementBeforeOrOnLoanEndDate) {
             scheduleParams.setActualRepaymentDate(getScheduledDateGenerator().generateNextRepaymentDate(
                     scheduleParams.getActualRepaymentDate(), loanApplicationTerms, isFirstRepayment, scheduleParams.getPeriodNumber()));
             AdjustedDateDetailsDTO adjustedDateDetailsDTO = getScheduledDateGenerator()
@@ -109,9 +111,7 @@
 
             ScheduleCurrentPeriodParams currentPeriodParams = new ScheduleCurrentPeriodParams(currency, BigDecimal.ZERO);
 
-            if (loanApplicationTerms.isMultiDisburseLoan()) {
-                processDisbursements(loanApplicationTerms, chargesDueAtTimeOfDisbursement, scheduleParams, periods, scheduledDueDate);
-            }
+            processDisbursements(loanApplicationTerms, chargesDueAtTimeOfDisbursement, scheduleParams, periods, scheduledDueDate);
 
             // 5 determine principal,interest of repayment period
             PrincipalInterest principalInterestForThisPeriod = calculatePrincipalInterestComponentsForPeriod(loanApplicationTerms,
@@ -179,6 +179,8 @@
             // adjustInstallmentOrPrincipalAmount(loanApplicationTerms, scheduleParams.getTotalCumulativePrincipal(),
             // scheduleParams.getPeriodNumber(), mc);
             // }
+            thereIsDisbursementBeforeOrOnLoanEndDate = scheduleParams.getDisburseDetailMap().entrySet().stream()
+                    .anyMatch(d -> !d.getKey().isAfter(loanApplicationTerms.getLoanEndDate()));
         }
 
         // If the disbursement happened after maturity date
@@ -237,28 +239,6 @@
         return chargesDueAtTimeOfDisbursement;
     }
 
-    /**
-     * this method calculates the principal amount for generating the repayment schedule.
-     */
-    private Money getPrincipalToBeScheduled(final LoanApplicationTerms loanApplicationTerms, LocalDate periodStartDate) {
-        Money principalToBeScheduled;
-        if (loanApplicationTerms.isMultiDisburseLoan()) {
-            if (loanApplicationTerms.getTotalDisbursedAmount().isGreaterThanZero()) {
-                BigDecimal totalDisbursalAmountsOnThe = loanApplicationTerms.getDisbursementDatas().stream()
-                        .filter(d -> d.getActualDisbursementDate().equals(periodStartDate)).map(DisbursementData::getPrincipal)
-                        .reduce(BigDecimal.ZERO, BigDecimal::add);
-                principalToBeScheduled = Money.of(loanApplicationTerms.getCurrency(), totalDisbursalAmountsOnThe);
-            } else if (loanApplicationTerms.getApprovedPrincipal().isGreaterThanZero()) {
-                principalToBeScheduled = loanApplicationTerms.getApprovedPrincipal();
-            } else {
-                principalToBeScheduled = loanApplicationTerms.getPrincipal();
-            }
-        } else {
-            principalToBeScheduled = loanApplicationTerms.getPrincipal();
-        }
-        return principalToBeScheduled;
-    }
-
     private List<LoanScheduleModelPeriod> createNewLoanScheduleListWithDisbursementDetails(final LoanApplicationTerms loanApplicationTerms,
             final LoanScheduleParams loanScheduleParams, final BigDecimal chargesDueAtTimeOfDisbursement) {
         List<LoanScheduleModelPeriod> periods = new ArrayList<>();
@@ -271,11 +251,17 @@
                             null, null));
         }
         for (DisbursementData disbursementData : loanApplicationTerms.getDisbursementDatas()) {
+            Money principalMoney = Money.of(loanApplicationTerms.getCurrency(), disbursementData.getPrincipal());
             if (disbursementData.disbursementDate().equals(loanScheduleParams.getPeriodStartDate())) {
                 final LoanScheduleModelDisbursementPeriod disbursementPeriod = LoanScheduleModelDisbursementPeriod.disbursement(
                         disbursementData.disbursementDate(), Money.of(loanScheduleParams.getCurrency(), disbursementData.getPrincipal()),
                         chargesDueAtTimeOfDisbursement);
                 periods.add(disbursementPeriod);
+                loanScheduleParams.addOutstandingBalance(principalMoney);
+                loanScheduleParams.addOutstandingBalanceAsPerRest(principalMoney);
+                loanScheduleParams.addPrincipalToBeScheduled(principalMoney);
+                loanApplicationTerms.setPrincipal(loanApplicationTerms.getPrincipal().plus(principalMoney));
+                loanApplicationTerms.resetFixedEmiAmount();
                 if (loanApplicationTerms.isDownPaymentEnabled()) {
                     final LoanScheduleModelDownPaymentPeriod downPaymentPeriod = createDownPaymentPeriod(loanApplicationTerms,
                             loanScheduleParams, loanApplicationTerms.getExpectedDisbursementDate(), disbursementData.getPrincipal());
@@ -284,8 +270,7 @@
             } else {
                 Money disbursedAmount = loanScheduleParams.getDisburseDetailMap().getOrDefault(disbursementData.disbursementDate(),
                         Money.zero(loanApplicationTerms.getCurrency()));
-                loanScheduleParams.getDisburseDetailMap().put(disbursementData.disbursementDate(),
-                        disbursedAmount.add(Money.of(loanApplicationTerms.getCurrency(), disbursementData.getPrincipal())));
+                loanScheduleParams.getDisburseDetailMap().put(disbursementData.disbursementDate(), disbursedAmount.add(principalMoney));
             }
         }
 
@@ -335,18 +320,21 @@
      */
     private void processDisbursements(final LoanApplicationTerms loanApplicationTerms, final BigDecimal chargesDueAtTimeOfDisbursement,
             LoanScheduleParams scheduleParams, final Collection<LoanScheduleModelPeriod> periods, final LocalDate scheduledDueDate) {
-        for (Map.Entry<LocalDate, Money> disburseDetail : scheduleParams.getDisburseDetailMap().entrySet()) {
+        Iterator<Map.Entry<LocalDate, Money>> iter = scheduleParams.getDisburseDetailMap().entrySet().iterator();
+        while (iter.hasNext()) {
+            Map.Entry<LocalDate, Money> disburseDetail = iter.next();
             if ((disburseDetail.getKey().isEqual(scheduleParams.getPeriodStartDate())
                     || disburseDetail.getKey().isAfter(scheduleParams.getPeriodStartDate()))
                     && disburseDetail.getKey().isBefore(scheduledDueDate)) {
                 // validation check for amount not exceeds specified max
                 // amount as per the configuration
-                loanApplicationTerms.getMaxOutstandingBalance();
-                if (scheduleParams.getOutstandingBalance().plus(disburseDetail.getValue())
-                        .isGreaterThan(loanApplicationTerms.getMaxOutstandingBalance())) {
-                    String errorMsg = "Outstanding balance must not exceed the amount: " + loanApplicationTerms.getMaxOutstandingBalance();
-                    throw new MultiDisbursementOutstandingAmoutException(errorMsg,
-                            loanApplicationTerms.getMaxOutstandingBalance().getAmount(), disburseDetail.getValue());
+                if (loanApplicationTerms.isMultiDisburseLoan() && loanApplicationTerms.getMaxOutstandingBalance() != null) {
+                    Money maxOutstandingBalance = loanApplicationTerms.getMaxOutstandingBalanceMoney();
+                    if (scheduleParams.getOutstandingBalance().plus(disburseDetail.getValue()).isGreaterThan(maxOutstandingBalance)) {
+                        String errorMsg = "Outstanding balance must not exceed the amount: " + maxOutstandingBalance;
+                        throw new MultiDisbursementOutstandingAmoutException(errorMsg, loanApplicationTerms.getMaxOutstandingBalance(),
+                                disburseDetail.getValue());
+                    }
                 }
 
                 // creates and add disbursement detail to the repayments
@@ -356,6 +344,13 @@
                 periods.add(disbursementPeriod);
 
                 BigDecimal downPaymentAmt = BigDecimal.ZERO;
+                // updates actual outstanding balance with new
+                // disbursement detail
+                scheduleParams.addOutstandingBalance(disburseDetail.getValue());
+                scheduleParams.addOutstandingBalanceAsPerRest(disburseDetail.getValue());
+                scheduleParams.addPrincipalToBeScheduled(disburseDetail.getValue());
+                loanApplicationTerms.setPrincipal(loanApplicationTerms.getPrincipal().plus(disburseDetail.getValue()));
+                loanApplicationTerms.resetFixedEmiAmount();
                 if (loanApplicationTerms.isDownPaymentEnabled()) {
                     // get list of disbursements done on same day and create down payment periods
                     List<DisbursementData> disbursementsOnSameDate = loanApplicationTerms.getDisbursementDatas().stream()
@@ -368,13 +363,7 @@
                         downPaymentAmt = downPaymentAmt.add(downPaymentPeriod.principalDue());
                     }
                 }
-                // updates actual outstanding balance with new
-                // disbursement detail
-                scheduleParams.addOutstandingBalance(disburseDetail.getValue());
-                scheduleParams.addOutstandingBalanceAsPerRest(disburseDetail.getValue());
-                scheduleParams.addPrincipalToBeScheduled(disburseDetail.getValue());
-                loanApplicationTerms.setPrincipal(loanApplicationTerms.getPrincipal().plus(disburseDetail.getValue()));
-                loanApplicationTerms.resetFixedEmiAmount();
+                iter.remove();
             }
         }
     }
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java
index 0a6bfee..a0eedef 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java
@@ -525,7 +525,7 @@
                 "Expected installments are not matching with the installments configured on the loan");
 
         int installmentNumber = 0;
-        for (int i = 1; i < installments.length; i++) {
+        for (int i = 0; i < installments.length; i++) {
             GetLoansLoanIdRepaymentPeriod period = loanResponse.getRepaymentSchedule().getPeriods().get(i);
             Double principalDue = period.getPrincipalDue();
             Double amount = installments[i].principalAmount;
@@ -673,6 +673,11 @@
                 .approvedOnDate(approvalDate).locale("en");
     }
 
+    protected PostLoansLoanIdRequest approveLoanRequest(Double amount, String approvalDate, String expectedDisbursementDate) {
+        return new PostLoansLoanIdRequest().approvedLoanAmount(BigDecimal.valueOf(amount))
+                .expectedDisbursementDate(expectedDisbursementDate).dateFormat(DATETIME_PATTERN).approvedOnDate(approvalDate).locale("en");
+    }
+
     protected Long applyAndApproveLoan(Long clientId, Long loanProductId, String loanDisbursementDate, Double amount,
             int numberOfRepayments) {
         return applyAndApproveLoan(clientId, loanProductId, loanDisbursementDate, amount, numberOfRepayments, null);
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/CustomSnapshotEventIntegrationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/CustomSnapshotEventIntegrationTest.java
index d2a29aa..67876ec 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/CustomSnapshotEventIntegrationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/CustomSnapshotEventIntegrationTest.java
@@ -75,7 +75,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), //
                     installment(313.0, false, "02 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -123,7 +123,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), //
                     installment(313.0, false, "02 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -134,7 +134,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, true, "31 January 2023"), //
                     installment(313.0, false, "02 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -180,7 +180,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), //
                     installment(313.0, false, "02 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -226,7 +226,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), //
                     installment(313.0, false, "02 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -270,7 +270,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), //
                     installment(313.0, false, "02 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/InstallmentLevelDelinquencyAPIIntegrationTests.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/InstallmentLevelDelinquencyAPIIntegrationTests.java
index d34ff45..7a426c5 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/InstallmentLevelDelinquencyAPIIntegrationTests.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/InstallmentLevelDelinquencyAPIIntegrationTests.java
@@ -73,7 +73,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), // 120 days delinquent -> range4
                     installment(313.0, false, "02 March 2023"), // 90 days delinquent -> range4
                     installment(313.0, false, "01 April 2023"), // 60 days delinquent -> range3
@@ -134,7 +134,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), // 120 days delinquent -> range2
                     installment(313.0, false, "02 March 2023"), // 90 days delinquent -> range2
                     installment(313.0, false, "01 April 2023"), // 60 days delinquent -> range1
@@ -184,7 +184,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "31 January 2023"), // 120 days delinquent -> range2
                     installment(313.0, false, "02 March 2023"), // 90 days delinquent -> range2
                     installment(313.0, false, "01 April 2023"), // 60 days delinquent -> range1
@@ -223,7 +223,7 @@
 
             // Verify Repayment Schedule and Due Dates
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), installment(313.0, false, "31 January 2023"),
+                    installment(1250.0, null, "01 January 2023"), installment(313.0, false, "31 January 2023"),
                     installment(313.0, false, "02 March 2023"), installment(313.0, false, "01 April 2023"),
                     installment(311.0, false, "01 May 2023"));
 
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountDisbursementToSavingsWithAutoDownPaymentTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountDisbursementToSavingsWithAutoDownPaymentTest.java
index e95f6ef..d3bbc85 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountDisbursementToSavingsWithAutoDownPaymentTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanAccountDisbursementToSavingsWithAutoDownPaymentTest.java
@@ -87,7 +87,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, true, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargebackWithCreditAllocationsIntegrationTests.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargebackWithCreditAllocationsIntegrationTests.java
index ba35a5d..c6a8764 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargebackWithCreditAllocationsIntegrationTests.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargebackWithCreditAllocationsIntegrationTests.java
@@ -69,7 +69,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -83,7 +83,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -102,7 +102,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -132,7 +132,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -146,7 +146,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -167,7 +167,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
                     installment(343.0, 0, 50, 20, 413.0, false, "01 March 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -197,7 +197,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -211,7 +211,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -232,7 +232,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -258,7 +258,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -284,7 +284,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 381.0, "20 April 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -308,7 +308,7 @@
             );
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -339,7 +339,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -353,7 +353,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -373,7 +373,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -414,7 +414,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -428,7 +428,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -448,7 +448,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -494,7 +494,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -508,7 +508,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -526,7 +526,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(413.0, 0, 50, 20, 100.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -558,7 +558,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -573,7 +573,7 @@
                                                                                                 // overpayment
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -595,7 +595,7 @@
             // Verify Repayment Schedule
             // DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0, true, "01 April 2023"), //
@@ -626,7 +626,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -641,7 +641,7 @@
                                                                                                 // overpayment
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -661,7 +661,7 @@
             // Verify Repayment Schedule,
             // DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, outstanding(30.0, 20.0, 0.0, 50.0), false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -693,7 +693,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -708,7 +708,7 @@
             // overpayment
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -728,7 +728,7 @@
             // Verify Repayment Schedule,
             // DEFAULT payment allocation is ..., DUE_PRINCIPAL, DUE_FEE, DUE_PENALTY ...
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, outstanding(0.0, 30.0, 20.0, 50.0), false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
@@ -760,7 +760,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -774,7 +774,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -793,7 +793,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -813,7 +813,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -844,7 +844,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -858,7 +858,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -877,7 +877,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -897,7 +897,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -938,7 +938,7 @@
             Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -952,7 +952,7 @@
             Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -971,7 +971,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -991,7 +991,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
                     installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
                     installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
@@ -1028,7 +1028,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1100,7 +1100,7 @@
             Long feeId = addCharge(loanId, false, 30, "15 February 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 30, 0, 280.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1178,7 +1178,7 @@
             Long feeId = addCharge(loanId, true, 30, "15 February 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 30.0, 280.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1254,7 +1254,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1326,7 +1326,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1397,7 +1397,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1477,7 +1477,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1547,7 +1547,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1618,7 +1618,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
@@ -1705,7 +1705,7 @@
             disburseLoan(loanId, BigDecimal.valueOf(750), "01 January 2023");
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(750.0, null, "01 January 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 February 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 March 2023"), //
                     installment(250.0, 0, 0, 0, 250.0, false, "01 April 2023") //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDelinquencyDetailsNextPaymentDateConfigurationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDelinquencyDetailsNextPaymentDateConfigurationTest.java
index 656017a..1cdc11f 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDelinquencyDetailsNextPaymentDateConfigurationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDelinquencyDetailsNextPaymentDateConfigurationTest.java
@@ -69,7 +69,7 @@
 
                 // verify repayment schedule
                 verifyRepaymentSchedule(loanId, //
-                        installment(0, null, "01 November 2023"), //
+                        installment(1000.0, null, "01 November 2023"), //
                         installment(250.0, false, "01 November 2023"), //
                         installment(250.0, false, "16 November 2023"), //
                         installment(250.0, false, "01 December 2023"), //
@@ -103,7 +103,7 @@
 
                 // verify repayment schedule
                 verifyRepaymentSchedule(loanId, //
-                        installment(0, null, "01 November 2023"), //
+                        installment(1000.0, null, "01 November 2023"), //
                         installment(250.0, false, "01 November 2023"), //
                         installment(250.0, false, "16 November 2023"), //
                         installment(250.0, false, "01 December 2023"), //
@@ -155,7 +155,7 @@
 
                 // verify repayment schedule
                 verifyRepaymentSchedule(loanId, //
-                        installment(0, null, "01 November 2023"), //
+                        installment(1000.0, null, "01 November 2023"), //
                         installment(250.0, true, "01 November 2023"), //
                         installment(250.0, false, "16 November 2023"), //
                         installment(250.0, false, "01 December 2023"), //
@@ -177,7 +177,7 @@
 
                 // verify repayment schedule
                 verifyRepaymentSchedule(loanId, //
-                        installment(0, null, "01 November 2023"), //
+                        installment(1000.0, null, "01 November 2023"), //
                         installment(250.0, true, "01 November 2023"), //
                         installment(250.0, true, "16 November 2023"), //
                         installment(250.0, false, "01 December 2023"), //
@@ -198,7 +198,7 @@
 
                 // verify repayment schedule
                 verifyRepaymentSchedule(loanId, //
-                        installment(0, null, "01 November 2023"), //
+                        installment(1000.0, null, "01 November 2023"), //
                         installment(250.0, true, "01 November 2023"), //
                         installment(250.0, true, "16 November 2023"), //
                         installment(250.0, 0.0, 150.0, false, "01 December 2023"), //
@@ -219,7 +219,7 @@
 
                 // verify repayment schedule
                 verifyRepaymentSchedule(loanId, //
-                        installment(0, null, "01 November 2023"), //
+                        installment(1000.0, null, "01 November 2023"), //
                         installment(250.0, true, "01 November 2023"), //
                         installment(250.0, true, "16 November 2023"), //
                         installment(250.0, 0.0, 150.0, false, "01 December 2023"), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDownPaymentTransactionChargebackTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDownPaymentTransactionChargebackTest.java
index 2b8f7b0..546e44c 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDownPaymentTransactionChargebackTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDownPaymentTransactionChargebackTest.java
@@ -57,7 +57,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
@@ -79,7 +79,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, true, "01 March 2023"), //
                     installment(300.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
@@ -116,7 +116,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
@@ -138,7 +138,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, true, "01 March 2023"), //
                     installment(300.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDueCalculationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDueCalculationTest.java
index 132ab63..6700364 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDueCalculationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanDueCalculationTest.java
@@ -160,7 +160,8 @@
                                 .loanTermFrequency(4).loanTermFrequencyType(2).submittedOnDate("2024-01-31").dateFormat("yyyy-MM-dd");
                     });
             PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest);
-            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), //
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), //
+                    installment(1000.0, null, "01 February 2024"), //
                     installment(250.0, false, "29 February 2024"), //
                     installment(250.0, false, "31 March 2024"), //
                     installment(250.0, false, "30 April 2024"), //
@@ -169,7 +170,8 @@
 
             loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024"));
 
-            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), //
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), //
+                    installment(1000.0, null, "01 February 2024"), //
                     installment(250.0, false, "29 February 2024"), //
                     installment(250.0, false, "31 March 2024"), //
                     installment(250.0, false, "30 April 2024"), //
@@ -178,7 +180,8 @@
 
             disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "03 February 2024");
 
-            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "01 February 2024"), //
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), //
+                    installment(1000.0, null, "03 February 2024"), //
                     installment(250.0, false, "29 February 2024"), //
                     installment(250.0, false, "31 March 2024"), //
                     installment(250.0, false, "30 April 2024"), //
@@ -208,7 +211,7 @@
                                 .loanTermFrequency(4).loanTermFrequencyType(2).submittedOnDate("2024-01-31").dateFormat("yyyy-MM-dd");
                     });
             PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest);
-            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), //
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "26 February 2024"), //
                     installment(250.0, false, "07 March 2024"), //
                     installment(250.0, false, "07 April 2024"), //
                     installment(250.0, false, "07 May 2024"), //
@@ -217,7 +220,7 @@
 
             loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(), approveLoanRequest(1000.0, "31 January 2024"));
 
-            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "31 January 2024"), //
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), installment(1000.0, null, "26 February 2024"), //
                     installment(250.0, false, "07 March 2024"), //
                     installment(250.0, false, "07 April 2024"), //
                     installment(250.0, false, "07 May 2024"), //
@@ -283,4 +286,57 @@
             ;
         });
     }
+
+    // Repayment dates are calculated based on `repayment start date type` configuration(=Submitted on date). Submitted
+    // on date is `2024-01-31`, and even the expected disbursement date is `2024-02-01`, the generated repayment
+    // schedule honors the submitted on date
+    // when it got approved and new expected disbursement date is `2024-02-02`, the repayment schedule due dates got no
+    // changed
+    // when it got disbursed on `2024-02-03`, the repayment schedule due dates got no changed.
+    @ParameterizedTest
+    @MethodSource("processingStrategy")
+    public void dueDateBasedOnSubmittedOnDateButChangingExpectedDisbursementAtApproval(String repaymentProcessor) {
+        runAt("03 February 2024", () -> {
+            // Client and Loan account creation
+            final Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
+            PostLoanProductsRequest loanProductsRequest = create4Period1MonthLongWithoutInterestProduct(repaymentProcessor)
+                    .repaymentStartDateType(RepaymentStartDateType.SUBMITTED_ON_DATE.getValue());
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductsRequest);
+
+            PostLoansRequest loanRequest = applyLoanRequest(clientId, loanProductResponse.getResourceId(), "2024-02-01", 1000.0, 4,
+                    (postLoansRequest) -> {
+                        postLoansRequest.transactionProcessingStrategyCode(repaymentProcessor).repaymentEvery(1).repaymentFrequencyType(2)
+                                .loanTermFrequency(4).loanTermFrequencyType(2).submittedOnDate("2024-01-31").dateFormat("yyyy-MM-dd");
+                    });
+            PostLoansResponse postLoansResponse = loanTransactionHelper.applyLoan(loanRequest);
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), //
+                    installment(1000.0, null, "01 February 2024"), //
+                    installment(250.0, false, "29 February 2024"), //
+                    installment(250.0, false, "31 March 2024"), //
+                    installment(250.0, false, "30 April 2024"), //
+                    installment(250.0, false, "31 May 2024")) //
+            ;
+
+            loanTransactionHelper.approveLoan(postLoansResponse.getResourceId(),
+                    approveLoanRequest(1000.0, "31 January 2024", "02 February 2024"));
+
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), //
+                    installment(1000.0, null, "02 February 2024"), //
+                    installment(250.0, false, "29 February 2024"), //
+                    installment(250.0, false, "31 March 2024"), //
+                    installment(250.0, false, "30 April 2024"), //
+                    installment(250.0, false, "31 May 2024")) //
+            ;
+
+            disburseLoan(postLoansResponse.getLoanId(), BigDecimal.valueOf(1000.00), "03 February 2024");
+
+            verifyRepaymentSchedule(postLoansResponse.getLoanId(), //
+                    installment(1000.0, null, "03 February 2024"), //
+                    installment(250.0, false, "29 February 2024"), //
+                    installment(250.0, false, "31 March 2024"), //
+                    installment(250.0, false, "30 April 2024"), //
+                    installment(250.0, false, "31 May 2024")) //
+            ;
+        });
+    }
 }
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanInstallmentMultiplesOfTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanInstallmentMultiplesOfTest.java
index 9d72e8a..cbde7e3 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanInstallmentMultiplesOfTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanInstallmentMultiplesOfTest.java
@@ -77,7 +77,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "01 February 2023"), //
                     installment(313.0, false, "01 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -89,7 +89,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(313.0, false, "01 February 2023"), //
                     installment(313.0, false, "01 March 2023"), //
                     installment(313.0, false, "01 April 2023"), //
@@ -141,7 +141,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(417.5, 12.5, 430.0, false, "01 February 2023"), //
                     installment(417.5, 12.5, 430.0, false, "01 March 2023"), //
                     installment(415.0, 12.5, 427.5, false, "01 April 2023") //
@@ -152,7 +152,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(417.5, 12.5, 430.0, false, "01 February 2023"), //
                     installment(417.5, 12.5, 430.0, false, "01 March 2023"), //
                     installment(415.0, 12.5, 427.5, false, "01 April 2023") //
@@ -204,7 +204,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(427.5, 12.5, 440.0, false, "01 February 2023"), //
                     installment(427.5, 12.5, 440.0, false, "01 March 2023"), //
                     installment(395.0, 12.5, 407.5, false, "01 April 2023") //
@@ -215,7 +215,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(427.5, 12.5, 440.0, false, "01 February 2023"), //
                     installment(427.5, 12.5, 440.0, false, "01 March 2023"), //
                     installment(395.0, 12.5, 407.5, false, "01 April 2023") //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleForChargesAfterMaturityTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleForChargesAfterMaturityTest.java
index 0159ed5..43abd66 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleForChargesAfterMaturityTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRepaymentScheduleForChargesAfterMaturityTest.java
@@ -55,7 +55,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -67,7 +67,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -89,7 +89,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "30 April 2023"), //
@@ -119,7 +119,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -132,7 +132,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -154,7 +154,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "30 April 2023"), //
@@ -186,7 +186,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -198,7 +198,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -220,7 +220,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "30 April 2023"), //
@@ -251,7 +251,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -264,7 +264,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "15 April 2023"), //
@@ -286,7 +286,7 @@
 
             // verify repayment schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0, null, "01 March 2023"), //
+                    installment(1000.0, null, "01 March 2023"), //
                     installment(250.0, false, "16 March 2023"), //
                     installment(250.0, false, "31 March 2023"), //
                     installment(250.0, false, "30 April 2023"), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRescheduleTestWithDownpayment.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRescheduleTestWithDownpayment.java
index 450553f..a6b41dd 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRescheduleTestWithDownpayment.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanRescheduleTestWithDownpayment.java
@@ -278,7 +278,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(12000.0, null, "01 January 2023"), //
+                    installment(15000.0, null, "01 January 2023"), //
                     installment(3000.00, false, "01 January 2023"), //
                     installment(1764.21, false, "01 February 2023"), //
                     installment(1852.42, false, "01 March 2023"), //
@@ -357,7 +357,7 @@
 
             // Verify Repayment Schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(12000.0, null, "01 January 2023"), //
+                    installment(15000.0, null, "01 January 2023"), //
                     installment(3000.00, false, "01 January 2023"), //
                     installment(1764.21, false, "01 February 2023"), //
                     installment(1852.42, false, "01 March 2023"), //
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanWaiveChargeTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanWaiveChargeTest.java
index 8c01ccc..742ca90 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanWaiveChargeTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanWaiveChargeTest.java
@@ -91,7 +91,7 @@
 
             // verify schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023"));
         });
         runAt("02 February 2023", () -> {
@@ -108,7 +108,7 @@
 
             // verify N+1 installment in schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023"), //
                     installment(0.0, 0.0, 100.0, 100.0, false, "01 February 2023") //
             );
@@ -128,7 +128,7 @@
 
             // verify N+1 installment completion
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 0.0, 0.0, true, "31 January 2023"), //
                     installment(0.0, 0.0, 100.0, 0.0, true, "01 February 2023") //
             );
@@ -184,7 +184,7 @@
 
             // verify schedule
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 0.0, 1000.0, false, "31 January 2023"));
         });
 
@@ -201,7 +201,7 @@
             this.schedulerJobHelper.executeAndAwaitJob(LoanCoBJobName);
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 10.0, 1010.0, false, "31 January 2023") //
 
             );
@@ -231,7 +231,7 @@
             );
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 19.0, 1010.0, false, "31 January 2023") //
             );
         });
@@ -260,7 +260,7 @@
             );
 
             verifyRepaymentSchedule(loanId, //
-                    installment(0.0, null, "01 January 2023"), //
+                    installment(1000.0, null, "01 January 2023"), //
                     installment(1000.0, 0.0, 27.0, 0.0, true, "31 January 2023") //
             );
         });
diff --git a/integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/reamortization/LoanReAmortizationIntegrationTest.java b/integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/reamortization/LoanReAmortizationIntegrationTest.java
index bb5d7a8..fb555ad 100644
--- a/integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/reamortization/LoanReAmortizationIntegrationTest.java
+++ b/integration-tests/src/test/java/org/apache/fineract/integrationtests/loan/reamortization/LoanReAmortizationIntegrationTest.java
@@ -85,7 +85,7 @@
 
             // verify schedule
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(625.0, false, "01 February 2023"), //
                     installment(625.0, false, "01 March 2023") //
             );
@@ -102,7 +102,7 @@
             );
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(0.0, true, "01 February 2023"), //
                     installment(1250.0, false, "01 March 2023") //
             );
@@ -152,7 +152,7 @@
 
             // verify schedule
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(625.0, false, "01 February 2023"), //
                     installment(625.0, false, "01 March 2023") //
             );
@@ -180,7 +180,7 @@
             );
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(1250.0, null, "01 January 2023"), //
                     installment(625.0, false, "01 February 2023"), //
                     installment(625.0, false, "01 March 2023") //
             );
@@ -204,7 +204,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -215,7 +215,7 @@
             addCharge(loanId.get(), false, 10.0, "05 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, 0.0, 10.0, 135.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -226,7 +226,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), //
                     installment(187.5, false, "31 January 2023"), //
@@ -259,7 +259,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -271,7 +271,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -304,7 +304,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -325,7 +325,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(50.0, true, "16 January 2023"), //
                     installment(162.5, false, "31 January 2023"), //
@@ -359,7 +359,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -370,7 +370,7 @@
             addCharge(loanId.get(), false, 10.0, "05 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, 0.0, 10.0, 135.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -381,7 +381,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -414,7 +414,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -427,7 +427,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -461,7 +461,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -472,7 +472,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -491,7 +491,7 @@
             addRepaymentForLoan(loanId.get(), 125.0, "15 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -525,7 +525,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -537,7 +537,7 @@
             repaymentTransactionId.set(addRepaymentForLoan(loanId.get(), 125.0, "15 January 2023"));
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, true, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -555,7 +555,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -573,7 +573,7 @@
             loanTransactionHelper.reverseRepayment(loanId.intValue(), repaymentTransactionId.intValue(), "01 February 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -607,7 +607,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -619,7 +619,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, true, "16 January 2023"), //
                     installment(0.0, true, "31 January 2023"), //
@@ -638,7 +638,7 @@
             undoReAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -671,7 +671,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(100.0, true, "01 January 2023"), //
                     installment(100.0, false, "16 January 2023"), //
                     installment(100.0, false, "31 January 2023"), //
@@ -683,7 +683,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(100.0, true, "01 January 2023"), //
                     installment(0.0, true, "16 January 2023"), //
                     installment(133.33, false, "31 January 2023"), //
@@ -717,7 +717,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "01 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(125.0, false, "16 January 2023"), //
                     installment(125.0, false, "31 January 2023"), //
@@ -732,7 +732,7 @@
             reAmortizeLoan(loanId.get());
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, 0.0, 10.0, 10.0, false, "16 January 2023"), //
                     installment(187.5, false, "31 January 2023"), //
@@ -750,7 +750,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(500.00), "26 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(0.0, 0.0, 10.0, 0.0, true, "16 January 2023"), //
                     installment(500.0, null, "26 January 2023"), //
@@ -773,7 +773,7 @@
             disburseLoan(loanId.get(), BigDecimal.valueOf(100.0), "10 January 2023");
 
             verifyRepaymentSchedule(loanId.get(), //
-                    installment(0, null, "01 January 2023"), //
+                    installment(500, null, "01 January 2023"), //
                     installment(125.0, true, "01 January 2023"), //
                     installment(100.0, null, "10 January 2023"), //
                     installment(25.0, true, "10 January 2023"), //