> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ruloans.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Subvention amount adjustment

# **Subvention Amount Adjustment Logic – Documentation**

## **Objective**

Implement logic to adjust the claim payout calculation when a Subvention Amount is available in the matched Bank File (BF) or Tentative Bank File (TBF).

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# **Functional Requirement**

## **Matching Source**

The system shall first identify the matched:

1. Bank File (BF)
2. Tentative Bank File (TBF) — only if no BF match is found

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# **Subvention Adjustment Logic**

## **Condition**

If a **Subvention Amount** is present in the matched BF/TBF record, then the system shall deduct the following from the payout calculation base amount:

* Subvention Amount\
  OR
* Disbursal Amount available in BF/TBF\
  (as per configured rate/ratio calculation logic)

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# **Calculation Rule**

## **Existing Logic**

Currently:

Claim Amount = Rate/Ratio × Disbursal Amount

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## **Updated Logic**

When Subvention Amount exists:

Eligible Amount = Disbursal Amount - Subvention Amount

Then:

Claim Amount = Rate/Ratio × Eligible Amount

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# **System Behaviour**

## **Case 1 — Subvention Amount Present**

### **Input**

* Disbursal Amount = ₹5,000
* Subvention Amount = ₹1,000
* Rate = 10%

### **Calculation**

Eligible Amount = 5,000 - 1,000

\= 4,000

Claim Amount = 10% of 4,000

\= ₹400

### **Expected Result**

System should calculate payout on ₹4,000 only.

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## **Case 2 — Subvention Amount Not Present**

### **Input**

* Disbursal Amount = ₹5,000
* Subvention Amount = NULL
* Rate = 10%

### **Calculation**

Claim Amount = 10% of 5,000

\= ₹500

### **Expected Result**

Normal payout calculation should continue.

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# **Validation Rules**

* Subvention deduction shall apply only when:
  * BF/TBF is successfully matched
  * Subvention Amount is greater than 0
* If Subvention Amount exceeds Disbursal Amount:
  * System should block processing
  * Validation message:

Subvention Amount cannot be greater than Disbursal Amount.

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# **Priority Logic**

1. Use matched Bank File (BF) data first
2. If BF not available, use Tentative Bank File (TBF)
3. Apply subvention deduction on the selected matched source only

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# **Impacted Modules**

* Lead Claim Calculation
* Bank File Matching
* Tentative Bank File Matching
* ERP Push Validation
* Claim Summary/Reports

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# **Expected Outcome**

The payout/claim amount should always be calculated on the net eligible disbursal amount after deducting the available subvention amount from the matched BF/TBF record.