@finspringinnovations/fixeddepositsdk 1.0.0

package/src/screens/FDList.tsx

@@ -0,0 +1,2199 @@
+import React, { useState, useEffect, useCallback } from 'react';
+import {
+    View,
+    Text,
+    StyleSheet,
+    ScrollView,
+    TouchableOpacity,
+    ActivityIndicator,
+    Alert,
+    Platform,
+    BackHandler,
+    StatusBar,
+    Image,
+} from 'react-native';
+import { useFocusEffect } from '@react-navigation/native';
+import { Header, ActiveFDCard, FDCard, PendingFDBottomSheet } from '../components';
+import { useColors, useTypography, useSpacing, useTheme } from '../theme/ThemeContext';
+import { useGetInterestRatesMutation } from '../api/interestRateApi';
+import { useGetCustomerApplicationsMutation, useGetCustomerApplicationDetailsMutation } from '../api/customerApi';
+import { useGetMasterDataQuery } from '../api/masterDataApi';
+import { useMasterData } from '../providers/MasterDataProvider';
+import { useTerminateWorkflowMutation } from '../api/workflowApi';
+import { usePaymentReverseFeedMutation } from '../api/fdApi';
+import type { ColorScheme, ThemeName } from '../theme';
+import SafeAreaWrapper from '../components/SafeAreaWrapper';
+import { getUserInfoForAPI, getAppData, getEnvironmentData } from '../config/appDataConfig';
+import { navigate } from '../navigation/helpers';
+import { useAppDispatch, useAppSelector } from '../store';
+import { setOnboardingIds } from '../store/onboardingSlice';
+import { setFDListSelected } from '../store/fdListSelectedSlice';
+import { handleWorkflowNavigation } from '../navigation/workflowNavigator';
+import { WORKFLOW_STATES, SHRIRAM_WORKFLOW_STATES, MAHINDRA_WORKFLOW_STATES } from '../config/workflowConstants';
+import { setGlobalData } from '../utils/globalData';
+import { setGlobalData as setMahindraGlobalData } from '@finspringinnovations/mahindrafdsdk';
+import { FD_STRINGS } from '../constants/strings';
+import { base64Images } from '../constants/strings/base64Images';
+import {
+    initializeSDK as initializeShriramSDK,
+    initializeEnvironment as initializeShriramEnvironment,
+    type AppData as ShriramAppData,
+    type EnvironmentData as ShriramEnvironmentData,
+} from '@finspringinnovations/shriramfdsdk';
+import {
+    initializeSDK as initializeMahindraSDK,
+    initializeEnvironment as initializeMahindraEnvironment,
+    type AppData as MahindraAppData,
+    type EnvironmentData as MahindraEnvironmentData,
+} from '@finspringinnovations/mahindrafdsdk';
+var completeFDData: any = null;
+
+/** Resolve company logo type for FD list card by name or provider. */
+function getLogoTypeForFD(fd: { name?: string; providerId?: string }): 'shriram' | 'mahindra' | undefined {
+    const name = (fd.name || '').toLowerCase();
+    const providerId = (fd.providerId || '').toLowerCase();
+    if (name.includes('shriram') || providerId.includes('shriram')) return 'shriram';
+    if (name.includes('mahindra') || providerId.includes('mahindra') || providerId.includes('881d0b98')) return 'mahindra';
+    return undefined;
+}
+
+/** Statuses that count as pending/active (in-progress) workflow. */
+const PENDING_ACTIVE_STATUSES = ['active', 'pending', 'in_progress', 'in-progress'];
+
+function getSdkTypeFromProviderId(
+    providerId: string,
+    mahindraProviderId: string,
+    shriramProviderId: string
+): 'mahindra' | 'shriram' | null {
+    const lower = (providerId || '').toLowerCase();
+    if (lower === mahindraProviderId.toLowerCase()) return 'mahindra';
+    if (lower === shriramProviderId.toLowerCase()) return 'shriram';
+    return null;
+}
+
+/** Get the pending/active application for a given provider, if any. */
+function getPendingOrActiveAppForProvider(
+    applicationsData: any[],
+    providerId: string
+): any | null {
+    const providerIdLower = (providerId || '').toLowerCase();
+    return applicationsData.find((a: any) => {
+        const appProviderId = (a.fd_provider_id || a.fdProviderId || a.provider_id || a.providerId || '').toLowerCase();
+        if (appProviderId !== providerIdLower) return false;
+        const s = (a.wf_status || a.status || '').toString().toLowerCase();
+        return PENDING_ACTIVE_STATUSES.includes(s);
+    }) || null;
+}
+
+/** Convert application to pending FD display data. */
+function appToPendingFDData(app: any): {
+    name: string;
+    invested: number;
+    value: number;
+    returns: number;
+    maturityDate: string;
+    interestPayout: string;
+    logoType?: 'shriram' | 'mahindra';
+} {
+    const invested = Number(app.investment_amount ?? app.amount ?? app.investmentAmount ?? 0);
+    const rate = Number(app.interest_rate ?? app.interestRate ?? 0);
+    const value = Number(app.current_value ?? app.currentValue ?? app.maturity_amount ?? app.maturityAmount ?? 0);
+    const maturityDateStr: string = app.maturity_date || app.maturityDate || '';
+    let maturityDate = '--';
+    if (maturityDateStr) {
+        const d = new Date(maturityDateStr);
+        if (!isNaN(d.getTime())) {
+            const months = ['Jan', 'Feb', 'Mar', 'Apr', 'May', 'Jun', 'Jul', 'Aug', 'Sep', 'Oct', 'Nov', 'Dec'];
+            maturityDate = `${months[d.getMonth()]} ${d.getFullYear()}`;
+        }
+    }
+    const providerName = app.fd_provider_name || app.providerName || 'Mahindra Finance Ltd';
+    const logoType = getLogoTypeForFD({ name: providerName, providerId: app.fd_provider_id || app.fdProviderId || '' });
+    return {
+        name: providerName,
+        invested,
+        value,
+        returns: rate || 0,
+        maturityDate,
+        interestPayout: app.interest_payout_term || app.interestPayoutTerm || app.payout_term || 'Yearly',
+        logoType: logoType ?? undefined,
+    };
+}
+
+/** Resolve providerId from app payload robustly; infer from provider name when id key is missing. */
+function resolveProviderIdFromApp(
+    app: any,
+    mahindraProviderId: string,
+    shriramProviderId: string
+): string {
+    const direct =
+        app?.fd_provider_id ||
+        app?.fdProviderId ||
+        app?.provider_id ||
+        app?.providerId ||
+        app?.fd_provider ||
+        app?.fdProvider ||
+        app?.provider;
+    if (direct) return String(direct);
+
+    const providerName = String(
+        app?.fd_provider_name ||
+        app?.fdProviderName ||
+        app?.provider_name ||
+        app?.providerName ||
+        ''
+    ).toLowerCase();
+
+    if (providerName.includes('mahindra')) return mahindraProviderId;
+    if (providerName.includes('shriram')) return shriramProviderId;
+    return '';
+}
+
+export interface FDItem {
+    id: string;
+    providerId: string; // Added providerId field
+    name: string;
+    accountNumber: string;
+    roi: string;
+    tenure: string;
+    amount: number;
+    maturityDate: string;
+    status: 'active' | 'matured' | 'pending';
+    creditRating: string;
+    interestPayout?: string; // Optional interest payout field
+}
+
+export interface FDListProps {
+    onGoBack?: () => void;
+    onSelectFD?: (fdId: string) => void;
+    onNavigateToFDCalculator?: (fdData?: any, masterData?: any) => void;
+    onNavigateToExternalSDK?: (sdkType: any, fdData?: any, context?: any) => void;
+    customStyles?: {
+        container?: object;
+        header?: object;
+        title?: object;
+        fdCard?: object;
+    };
+}
+
+const FDList: React.FC<FDListProps> = ({
+    onGoBack,
+    onSelectFD,
+    onNavigateToFDCalculator,
+    onNavigateToExternalSDK,
+    customStyles = {},
+}) => {
+    const [activeTab, setActiveTab] = useState<string>(FD_STRINGS.ALL_FDS_TAB);
+    const [showPendingFDBottomSheet, setShowPendingFDBottomSheet] = useState(false);
+    const [selectedFD, setSelectedFD] = useState<FDItem | null>(null);
+    /** Application for which the pending bottom sheet is shown (matches the FD list card provider they tapped). Used for terminate/continue. */
+    const [pendingContextApp, setPendingContextApp] = useState<any>(null);
+    const [isInitialized, setIsInitialized] = useState(false);
+    /** Loading state for Mahindra customer/application/details prefetch (used for pending FD continue). */
+    const [isLoadingMahindraCustomerDetails, setIsLoadingMahindraCustomerDetails] = useState(false);
+    const colors = useColors();
+    const typography = useTypography();
+    const spacing = useSpacing();
+    const { themeName } = useTheme();
+    const dispatch = useAppDispatch();
+    const hasFetchedRatesRef = React.useRef(false);
+    const isCallingInterestRatesRef = React.useRef(false);
+    const MahindraProviderId = '881d0b98-78d7-4668-931c-f4f47d753e9d';
+    const ShriramProviderId = '92d94e74-c5cb-4141-91ad-ffa05df7fbff';
+
+    // API calls to fetch 
+    const [getInterestRates, {
+        data: interestRates,
+        error: interestRatesError,
+        isLoading: isLoadingRates,
+    }] = useGetInterestRatesMutation();
+
+    const [getCustomerApplications, {
+        data: customerApplications,
+        error: customerApplicationsError,
+        isLoading: isLoadingApplications,
+    }] = useGetCustomerApplicationsMutation();
+    const [getCustomerApplicationDetails] = useGetCustomerApplicationDetailsMutation();
+
+    const [terminateWorkflow, {
+        data: terminateWorkflowData,
+        error: terminateWorkflowError,
+        isLoading: isTerminatingWorkflow,
+    }] = useTerminateWorkflowMutation();
+
+    // Payment Reverse Feed API
+    const [paymentReverseFeed, {
+        data: paymentReverseFeedResponse,
+        error: paymentReverseFeedError,
+        isLoading: isLoadingPaymentReverseFeed,
+    }] = usePaymentReverseFeedMutation();
+
+    const styles = createStyles(colors, typography, spacing, themeName);
+    const { masterData: masterDataContext, setMasterData } = useMasterData();
+
+    // Redux selectors for workflow IDs
+    const workflowInstanceId = useAppSelector((state: any) => state?.onboarding?.workflowInstanceId);
+    const applicationId = useAppSelector((state: any) => state?.onboarding?.applicationId);
+    const entityId = useAppSelector((state: any) => state?.onboarding?.entityid);
+    const providerId = useAppSelector((state: any) => state?.onboarding?.providerId);
+    const onboardingIds = useAppSelector((state: any) => state?.onboarding);
+
+    // Shared promise ref so FDList pending-flow and eager prefetch can wait
+    // on the same Mahindra customer/application/details fetch.
+    const mahindraDetailsPrefetchPromiseRef = React.useRef<Promise<void> | null>(null);
+
+    const initializeExternalSDKFromFDList = useCallback((
+        sdkType: 'shriram' | 'mahindra',
+        options?: { silent?: boolean }
+    ): boolean => {
+        const silent = options?.silent === true;
+        const currentAppData = getAppData();
+        const storedEnvData = getEnvironmentData();
+        const currentEnvData = storedEnvData as ShriramEnvironmentData & MahindraEnvironmentData | null;
+
+        if (!currentAppData) {
+            if (!silent) {
+                Alert.alert('Error', 'SDK app data not available. Please restart FD flow.');
+            }
+            return false;
+        }
+        if (!currentEnvData) {
+            if (!silent) {
+                Alert.alert('Error', 'SDK environment data not available. Please initialize environment from host app.');
+            }
+            return false;
+        }
+
+        try {
+            if (sdkType === 'shriram') {
+                initializeShriramEnvironment(currentEnvData as ShriramEnvironmentData);
+                initializeShriramSDK(currentAppData as ShriramAppData);
+            } else {
+                initializeMahindraEnvironment(currentEnvData as MahindraEnvironmentData);
+                initializeMahindraSDK(currentAppData as MahindraAppData);
+            }
+            return true;
+        } catch (error: any) {
+            if (!silent) {
+                Alert.alert(
+                    'Error',
+                    `Failed to initialize ${sdkType === 'shriram' ? 'Shriram' : 'Mahindra'} SDK: ${error?.message || 'Unknown error'}`
+                );
+            }
+            return false;
+        }
+    }, []);
+
+    // As soon as FDList mounts, warm-initialize embedded SDKs with the same FDSDK data/env.
+    useEffect(() => {
+        initializeExternalSDKFromFDList('shriram', { silent: true });
+        initializeExternalSDKFromFDList('mahindra', { silent: true });
+    }, [initializeExternalSDKFromFDList]);
+
+    // Helper function to check if customer applications is empty
+    const isCustomerApplicationsEmpty = () => {
+        if (!customerApplications) {
+            return true;
+        }
+
+        // Handle direct array response
+        if (Array.isArray(customerApplications)) {
+            const isEmpty = customerApplications.length === 0;
+            return isEmpty;
+        }
+
+        // Handle response with data property
+        if (customerApplications.data && Array.isArray(customerApplications.data)) {
+            const isEmpty = customerApplications.data.length === 0;
+            return isEmpty;
+        }
+
+        // Handle response with applications property
+        if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+            const isEmpty = customerApplications.applications.length === 0;
+            return isEmpty;
+        }
+
+        // If customerApplications exists but doesn't match expected structure, consider it not empty
+        return false;
+    };
+
+    // Helper function to get provider ID from interest rates response (robust to varying shapes)
+    const getProviderIdFromInterestRates = () => {
+        try {
+            const data = interestRates?.data;
+            if (!data) return undefined;
+
+            const extractId = (rate: any) => {
+                return (
+                    rate?.providerId ||
+                    rate?.provider_id ||
+                    rate?.fd_provider_id ||
+                    rate?.fdProviderId ||
+                    rate?.provider?.id ||
+                    undefined
+                );
+            };
+
+            // Prefer SDR
+            const sdr = Array.isArray(data?.sdrScheme) ? data.sdrScheme : [];
+            for (const r of sdr) {
+                const id = extractId(r);
+                if (id) {
+                    return id;
+                }
+            }
+
+            // Fallback to FDR
+            const fdr = Array.isArray(data?.fdrScheme) ? data.fdrScheme : [];
+            for (const r of fdr) {
+                const id = extractId(r);
+                if (id) {
+                    return id;
+                }
+            }
+
+            return undefined;
+        } catch (e) {
+            return undefined;
+        }
+    };
+
+    /**
+     * Prefetch Mahindra customer/application/details for the currently pending/active
+     * Mahindra FD application. This is used to ensure that when we navigate into
+     * Mahindra SDK screens (especially via "Continue" on a pending FD), all
+     * customer details are already available, and we show a loader while fetching.
+     */
+    const prefetchMahindraCustomerApplicationDetails = useCallback(async (overrideMahindraApp?: any) => {
+        // Avoid duplicate fetches – reuse in-flight promise if any
+        if (mahindraDetailsPrefetchPromiseRef.current) {
+            return mahindraDetailsPrefetchPromiseRef.current;
+        }
+
+        const promise = (async () => {
+            try {
+                let mahindraApp: any = null;
+                const overrideProviderId = (
+                    overrideMahindraApp?.fd_provider_id ||
+                    overrideMahindraApp?.fdProviderId ||
+                    overrideMahindraApp?.provider_id ||
+                    overrideMahindraApp?.providerId ||
+                    ''
+                ).toString();
+
+                if (overrideMahindraApp && overrideProviderId.toLowerCase() === MahindraProviderId.toLowerCase()) {
+                    mahindraApp = overrideMahindraApp;
+                } else {
+                    if (!customerApplications || isCustomerApplicationsEmpty()) {
+                        return;
+                    }
+
+                    // Normalize list
+                    let applicationsData: any[] = [];
+                    if (Array.isArray(customerApplications)) {
+                        applicationsData = customerApplications;
+                    } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                        applicationsData = customerApplications.data;
+                    } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                        applicationsData = customerApplications.applications;
+                    }
+
+                    if (!applicationsData.length) return;
+
+                    // Find Mahindra pending/active app for MahindraProviderId
+                    mahindraApp = getPendingOrActiveAppForProvider(applicationsData, MahindraProviderId);
+                }
+                if (!mahindraApp) return;
+
+                const ids = {
+                    workflowInstanceId:
+                        mahindraApp.workflow_instance_id ||
+                        mahindraApp.workflowInstanceId ||
+                        mahindraApp.workflowinstanceid ||
+                        mahindraApp.workflow_instance ||
+                        mahindraApp.workflowInstance ||
+                        undefined,
+                    applicationId:
+                        mahindraApp.application_id ||
+                        mahindraApp.applicationId ||
+                        mahindraApp.applicationid ||
+                        undefined,
+                    entityid:
+                        mahindraApp.entity_id ||
+                        mahindraApp.entityId ||
+                        mahindraApp.entityid ||
+                        undefined,
+                    customerId:
+                        mahindraApp.customer_id ||
+                        mahindraApp.customerId ||
+                        mahindraApp.customerid ||
+                        undefined,
+                    providerId:
+                        mahindraApp.fd_provider_id ||
+                        mahindraApp.fdProviderId ||
+                        mahindraApp.provider_id ||
+                        mahindraApp.providerId ||
+                        MahindraProviderId,
+                };
+
+                if (!ids.applicationId || !ids.customerId || !ids.providerId) {
+                    return;
+                }
+
+                setIsLoadingMahindraCustomerDetails(true);
+
+                const userInfo = getUserInfoForAPI();
+                const detailsResp = await getCustomerApplicationDetails({
+                    providerId: ids.providerId,
+                    applicationId: ids.applicationId,
+                    customerId: ids.customerId,
+                    workflowInstanceId: ids.workflowInstanceId,
+                    userreferenceid: userInfo.userReferenceId,
+                    applicationid: ids.applicationId,
+                    entityid: ids.entityid,
+                }).unwrap();
+
+                const detailsData = (detailsResp as any)?.data || detailsResp;
+                if (detailsData) {
+                    setGlobalData({ mahindraCustomerDetails: detailsData });
+                    setMahindraGlobalData({ mahindraCustomerDetails: detailsData });
+                }
+            } catch (err) {
+            } finally {
+                setIsLoadingMahindraCustomerDetails(false);
+                mahindraDetailsPrefetchPromiseRef.current = null;
+            }
+        })();
+
+        mahindraDetailsPrefetchPromiseRef.current = promise;
+        return promise;
+    }, [customerApplications, getCustomerApplicationDetails]);
+
+    // Helper function to filter FDs based on tenure
+    const filterFDsByTenure = (fdList: FDItem[], filter: string): FDItem[] => {
+        if (filter === FD_STRINGS.ALL_FDS_TAB) return fdList;
+
+        return fdList.filter(fd => {
+            // Extract tenure in months from the fd.tenure string (e.g., "12 Months" -> 12)
+            const tenureMatch = fd.tenure.match(/(\d+)\s*Months?/i);
+            if (!tenureMatch) return false;
+
+            const tenureMonths = parseInt(tenureMatch[1], 10);
+            const tenureYears = tenureMonths / 12;
+
+            switch (filter) {
+                case '<1Y':
+                    return tenureYears <= 1;
+                case '<1-3Y':
+                    return tenureYears > 1 && tenureYears <= 3;
+                case '<3-5Y':
+                    return tenureYears > 3 && tenureYears <= 5;
+                case '>5Y':
+                    return tenureYears > 5;
+                default:
+                    return true;
+            }
+        });
+    };
+
+
+
+    // Derive identifiers for workflow termination from applications API (for active FD/provider)
+    const terminateIdentifiers = React.useMemo(() => {
+        try {
+            if (!customerApplications || isCustomerApplicationsEmpty()) {
+                return {
+                    applicationId: undefined as string | undefined,
+                    workflowInstanceId: undefined as string | undefined,
+                    entityId: undefined as string | undefined,
+                    providerIdFromApp: undefined as string | undefined,
+                };
+            }
+
+            // Normalize list
+            let applicationsData: any[] = [];
+            if (Array.isArray(customerApplications)) {
+                applicationsData = customerApplications;
+            } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                applicationsData = customerApplications.data;
+            } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                applicationsData = customerApplications.applications;
+            }
+
+            if (applicationsData.length === 0) {
+                return {
+                    applicationId: undefined,
+                    workflowInstanceId: undefined,
+                    entityId: undefined,
+                    providerIdFromApp: undefined,
+                };
+            }
+
+            // Prefer a pending/in-progress one for termination, else first
+            const appForTerminate = applicationsData.find((a: any) => {
+                const s = (a.wf_status || a.status || '').toString().toLowerCase();
+                return s === 'pending' || s === 'in_progress' || s === 'in-progress';
+            }) || applicationsData[0];
+
+            const applicationId: string | undefined =
+                appForTerminate.application_id || appForTerminate.applicationId || appForTerminate.id;
+            const workflowInstanceId: string | undefined =
+                appForTerminate.workflow_instance_id || appForTerminate.workflowInstanceId || appForTerminate.workflow?.instanceId;
+            const entityId: string | undefined =
+                appForTerminate.entity_id || appForTerminate.entityId || appForTerminate.entity?.id;
+            const providerIdFromApp: string | undefined =
+                appForTerminate.provider_id || appForTerminate.providerId || appForTerminate.fd_provider_id || appForTerminate.fdProviderId;
+
+            return { applicationId, workflowInstanceId, entityId, providerIdFromApp };
+        } catch (e) {
+            return {
+                applicationId: undefined,
+                workflowInstanceId: undefined,
+                entityId: undefined,
+                providerIdFromApp: undefined,
+            };
+        }
+    }, [customerApplications]);
+
+    const activeProviderId = terminateIdentifiers.providerIdFromApp;
+
+    // Master data fetch - prefer tapped FD provider, then active app provider, then rates
+    const defaultProviderId = ''; // Default provider ID for initial call
+    const inferredProviderId = React.useMemo(() => {
+        if (selectedFD?.providerId) return selectedFD.providerId;
+        if (activeProviderId) return activeProviderId;
+        if (interestRates?.data?.sdrScheme?.[0]?.providerId) return interestRates.data.sdrScheme[0].providerId;
+        if (interestRates?.data?.fdrScheme?.[0]?.providerId) return interestRates.data.fdrScheme[0].providerId;
+        return defaultProviderId;
+    }, [selectedFD, activeProviderId, interestRates]);
+
+    const { data: masterData, isLoading: isLoadingMaster } = useGetMasterDataQuery(
+        { providerId: inferredProviderId },
+        { skip: !inferredProviderId }
+    );
+    const { data: MahindraMasterData, refetch: refetchMahindraMasterData } = useGetMasterDataQuery(
+        { providerId: MahindraProviderId },
+        { skip: false }
+    );
+    const { data: ShriramMasterData, refetch: refetchShriramMasterData } = useGetMasterDataQuery(
+        { providerId: ShriramProviderId },
+        { skip: false }
+    );
+
+    // Only render once all three API calls have completed (success or error)
+    // Show loading initially until all APIs have completed
+    const isAllDataReady = React.useMemo(() => {
+        // If not initialized yet, show loading
+        if (!isInitialized) return false;
+
+        // Step 1: Check if interest rates API has been called and completed
+        // If currently loading, show loading
+        if (isLoadingRates) return false;
+        // If not loading but no data and no error, API hasn't been called yet - show loading
+        if (!interestRates && !interestRatesError) return false;
+
+        // Step 2: Once interest rates are done, customer applications should be called
+        // If currently loading, show loading
+        if (isLoadingApplications) return false;
+        // If interest rates succeeded, we must wait for customer applications
+        // If interest rates failed, we can still proceed (but applications might not be called)
+        if (interestRates) {
+            // Interest rates succeeded, so applications should be called
+            // If not loading but no data and no error, applications haven't been called yet - show loading
+            if (!customerApplications && !customerApplicationsError) return false;
+        }
+
+        // Step 3: Check master data - only required if providerId is available
+        const masterShouldRun = !!inferredProviderId;
+        if (masterShouldRun) {
+            // Master data should be done (either loaded or error, but not loading)
+            if (isLoadingMaster) return false;
+        }
+
+        return true;
+    }, [isInitialized, interestRates, interestRatesError, isLoadingRates, customerApplications, customerApplicationsError, isLoadingApplications, inferredProviderId, isLoadingMaster]);
+
+    useEffect(() => {
+        if (masterData) {
+            setMasterData(masterData);
+        }
+    }, [masterData, setMasterData]);
+
+    // Function to refresh all data - Required sequence: Interest -> Applications -> Master
+    const refreshData = useCallback(async () => {
+        if (!isInitialized) {
+            return;
+        }
+
+        // Prevent multiple simultaneous calls
+        if (isCallingInterestRatesRef.current || isLoadingRates) {
+            return;
+        }
+
+        try {
+            isCallingInterestRatesRef.current = true;
+            // Add 500ms delay before calling interest rate API
+            await new Promise(resolve => setTimeout(resolve, 500));
+            await getInterestRates({});
+        } catch (error) {
+            // Handle error silently
+        } finally {
+            isCallingInterestRatesRef.current = false;
+        }
+    }, [getInterestRates, isInitialized, isLoadingRates]);
+
+    // Initialize component after mount
+    useEffect(() => {
+        const initializeComponent = async () => {
+            // Validate required user data before proceeding
+            const appData = getAppData();
+
+            const requiredFields = [
+                { field: 'id', label: 'User ID' },
+                { field: 'name', label: 'User Name' },
+                { field: 'dob', label: 'Date of Birth' },
+                { field: 'gender', label: 'Gender' },
+                { field: 'mobNo', label: 'Mobile Number' },
+                { field: 'email', label: 'Email' },
+            ];
+
+            const missingFields: string[] = [];
+
+            requiredFields.forEach(({ field, label }) => {
+                const value = appData?.[field as keyof typeof appData];
+                if (!value || (typeof value === 'string' && !value.trim())) {
+                    missingFields.push(label);
+                }
+            });
+
+            // Show alert if required fields are missing
+            if (missingFields.length > 0) {
+                Alert.alert(
+                    'Cannot Proceed with FD Booking',
+                    `The following required information is missing from the main app:\n\n${missingFields.join('\n')}\n\nPlease provide all required user information to proceed.`,
+                    [
+                        {
+                            text: 'Cancel FD Booking',
+                            onPress: () => {
+                                // Redirect back to main app
+                                if (onGoBack) {
+                                    onGoBack();
+                                } else {
+                                    // No-op when onGoBack is not provided
+                                }
+                            },
+                            style: 'cancel',
+                        },
+                    ],
+                    { cancelable: false }
+                );
+                return; // Don't initialize if validation fails
+            }
+
+            // Additional value validation (case-insensitive): gender, maritalStatus, typeOfAccount
+            const errors: string[] = [];
+
+            // Gender must be Male, Female, or Other (case-insensitive)
+            const gender = String(appData?.gender || '').trim().toLowerCase();
+            const allowedGenders = ['male', 'female', 'other'];
+            if (gender && !allowedGenders.includes(gender)) {
+                errors.push("Gender must be one of: Male, Female, Other");
+            }
+
+            // Marital status must be Married, Unmarried, or Other (case-insensitive)
+            const maritalStatus = String(appData?.maritalStatus || '').trim().toLowerCase();
+            const allowedMarital = ['married', 'unmarried', 'other'];
+            if (maritalStatus && !allowedMarital.includes(maritalStatus)) {
+                errors.push("Marital Status must be one of: Married, Unmarried, Other");
+            }
+
+            // Account type must be 'Saving A/c' or 'Current A/c' (support legacy codes like SB/CA)
+            const typeOfAccountRaw = String(appData?.typeOfAccount || '').trim();
+            const normalizeAccountType = (value: string) =>
+                value.replace(/[^a-z]/gi, '').toLowerCase();
+            const accountTypeMap: Record<string, 'Saving A/c' | 'Current A/c'> = {
+                savingac: 'Saving A/c',
+                savingaccount: 'Saving A/c',
+                savingsaccount: 'Saving A/c',
+                savings: 'Saving A/c',
+                saving: 'Saving A/c',
+                sb: 'Saving A/c',
+                currentac: 'Current A/c',
+                currentaccount: 'Current A/c',
+                current: 'Current A/c',
+                ca: 'Current A/c',
+            };
+            const normalizedAccountType = normalizeAccountType(typeOfAccountRaw);
+            const canonicalAccountType = accountTypeMap[normalizedAccountType];
+            if (typeOfAccountRaw && !canonicalAccountType) {
+                errors.push("Type of Account must be one of: 'Saving A/c', 'Current A/c'");
+            }
+
+            if (errors.length > 0) {
+                Alert.alert(
+                    'Invalid User Data',
+                    `${errors.join('\n')}`,
+                    [
+                        {
+                            text: 'OK',
+                            onPress: () => {
+                                if (onGoBack) {
+                                    onGoBack();
+                                }
+                            },
+                            style: 'cancel',
+                        },
+                    ],
+                    { cancelable: false }
+                );
+                return; // Stop initialization on invalid values
+            }
+
+            // Small delay to ensure component is fully mounted
+            await new Promise(resolve => setTimeout(resolve, 100));
+            setIsInitialized(true);
+        };
+
+        initializeComponent();
+    }, [onGoBack]);
+
+    // Handle Android hardware back button - use same navigation as header back button
+    useEffect(() => {
+        if (Platform.OS !== 'android') return;
+
+        const onHardwareBackPress = () => {
+            // Call onGoBack which triggers onExit in RootNavigator
+            if (onGoBack) {
+                onGoBack();
+            }
+            return true; // Prevent default behavior
+        };
+
+        const backHandler = BackHandler.addEventListener(
+            'hardwareBackPress',
+            onHardwareBackPress
+        );
+
+        return () => backHandler.remove();
+    }, [onGoBack]);
+
+    // Removed init-time fetch to avoid duplicate calls; we'll fetch on first focus only
+
+    // Refresh data when screen comes into focus (only if initialized)
+    useFocusEffect(
+        useCallback(() => {
+            if (!isInitialized) return;
+            if (hasFetchedRatesRef.current) return; // ensure called only once when screen first shows
+            // Prevent multiple simultaneous calls
+            if (isCallingInterestRatesRef.current || isLoadingRates) return;
+            hasFetchedRatesRef.current = true;
+            refreshData();
+        }, [refreshData, isInitialized, isLoadingRates])
+    );
+
+    // As soon as FDList has customer applications, eagerly prefetch Mahindra
+    // customer/application/details so that if user taps a Mahindra pending FD,
+    // details are already cached (or at least being fetched with a loader).
+    useEffect(() => {
+        if (!isInitialized) return;
+        if (!customerApplications || isCustomerApplicationsEmpty()) return;
+        prefetchMahindraCustomerApplicationDetails();
+    }, [isInitialized, customerApplications, prefetchMahindraCustomerApplicationDetails]);
+
+    // After interest rates are received, call Customer Applications
+    useEffect(() => {
+        if (!interestRates) return;
+        try {
+            const userInfo = getUserInfoForAPI();
+            getCustomerApplications({ userReferenceId: userInfo.id });
+        } catch (e) {
+        }
+        // eslint-disable-next-line react-hooks/exhaustive-deps
+    }, [!!interestRates]);
+
+    // Handle API errors
+    useEffect(() => {
+        if (interestRatesError) {
+            Alert.alert(
+                'API Error',
+                'Failed to fetch interest rates. Please try again.',
+                [
+                    {
+                        text: 'Retry',
+                        onPress: async () => {
+                            // Prevent multiple simultaneous calls
+                            if (isCallingInterestRatesRef.current || isLoadingRates) {
+                                return;
+                            }
+                            try {
+                                isCallingInterestRatesRef.current = true;
+                                // Add 500ms delay before retrying interest rate API
+                                await new Promise(resolve => setTimeout(resolve, 500));
+                                await getInterestRates({});
+                            } catch (error) {
+                                // Handle error silently
+                            } finally {
+                                isCallingInterestRatesRef.current = false;
+                            }
+                        }
+                    },
+                    { text: 'Continue', style: 'cancel' }
+                ]
+            );
+        }
+    }, [interestRatesError, getInterestRates]);
+
+    // Log successful data fetch
+    useEffect(() => {
+        if (interestRates && interestRates.data?.sdrScheme?.length > 0) {
+            // Interest rates loaded successfully
+        }
+    }, [interestRates]);
+
+    // Persist providerId to onboarding store as soon as we have rates
+    // useEffect(() => {
+    //     const pid = getProviderIdFromInterestRates();
+    //     if (pid) {
+    //         try {
+    //             dispatch(setOnboardingIds({ providerId: pid }));
+    //         } catch (e) {
+    //             // Handle error silently
+    //         }
+    //     }
+    // }, [interestRates, dispatch]);
+
+    // useEffect(() => {
+    //     if (customerApplications) {
+    //         // Customer applications loaded successfully
+
+    //         // Persist onboarding identifiers globally for subsequent API calls (like FDCalculator)
+    //         try {
+    //             // Extract workflow parameters from response
+    //             const responseData = customerApplications?.data || customerApplications;
+    //             let applicationData = Array.isArray(responseData) ? responseData[0] : responseData;
+
+    //             // Prefer the application with wf_status === 'Active'
+    //             if (Array.isArray(responseData)) {
+    //                 const activeOnly = responseData.find((app: any) => {
+    //                     const status = (app.wf_status || app.status || '').toString();
+    //                     return status === 'Active';
+    //                 });
+    //                 if (activeOnly) applicationData = activeOnly;
+    //             }
+
+    //             if (Array.isArray(responseData)) {
+    //                 completeFDData = responseData.find((app: any) => {
+    //                     const status = (app.wf_status || app.status || '').toString();
+    //                     return status === 'Completed';
+    //                 });
+    //                 setGlobalData({ completeFDData: !!completeFDData });
+    //             }
+    //             if (applicationData) {
+    //                 const ids = {
+    //                     workflowInstanceId: applicationData.workflow_instance_id,
+    //                     applicationId: applicationData.application_id,
+    //                     entityid: applicationData.entity_id,
+    //                     customerId: applicationData.customer_id,
+    //                     fdId: applicationData.fd_id,
+    //                     currentState: applicationData.current_state,
+    //                     currentTask: applicationData.current_task,
+    //                     // Persist providerId from interest-rate API (prefers SDR, fallback FDR)
+    //                     providerId: getProviderIdFromInterestRates(),
+    //                     wfStatus: applicationData.wf_status,
+    //                 };
+    //                 if (dispatch && setOnboardingIds) {
+    //                     dispatch(setOnboardingIds(ids));
+    //                 } else {
+    //                     // Dispatch or setOnboardingIds unavailable
+    //                 }
+    //             }
+    //         } catch (error) {
+    //             // Handle error silently
+    //         }
+    //     }
+    // }, [customerApplications, dispatch]);
+
+    // Unified handler: behave like bottom sheet Continue flow
+    const handlePendingFDContinue = async (
+        overrideApp?: any,
+        forcedSdkType?: 'mahindra' | 'shriram'
+    ) => {
+        // Get current state from customer applications for workflow navigation
+        let currentState: any = null;
+        let transactionId: string | undefined = undefined;
+        let appData: any = overrideApp || pendingContextApp;
+
+        let fdDisplay: ReturnType<typeof appToPendingFDData> | null = null;
+        let onboardingIdsFromApp: any = null;
+
+        try {
+            if (!appData && customerApplications && !isCustomerApplicationsEmpty()) {
+                // Normalize list
+                let applicationsData: any[] = [];
+                if (Array.isArray(customerApplications)) {
+                    applicationsData = customerApplications;
+                } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                    applicationsData = customerApplications.data;
+                } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                    applicationsData = customerApplications.applications;
+                }
+
+                if (applicationsData.length > 0) {
+                    // Fallback: find first Active application when no override/pendingContext
+                    appData = applicationsData.find((a: any) => {
+                        const s = (a.wf_status || a.status || '').toString();
+                        return s === 'Active';
+                    }) || applicationsData.find((a: any) => {
+                        const s = (a.wf_status || a.status || '').toString().toLowerCase();
+                        return PENDING_ACTIVE_STATUSES.includes(s);
+                    }) || applicationsData[0];
+                }
+            }
+            if (appData) {
+                currentState = appData.current_state;
+                transactionId = appData.transaction_id || appData.transactionId;
+                fdDisplay = appToPendingFDData(appData);
+                let providerIdFromApp = resolveProviderIdFromApp(appData, MahindraProviderId, ShriramProviderId);
+                if (forcedSdkType === 'mahindra') {
+                    providerIdFromApp = MahindraProviderId;
+                } else if (forcedSdkType === 'shriram') {
+                    providerIdFromApp = ShriramProviderId;
+                }
+                const providerIdLower = (providerIdFromApp || '').toLowerCase();
+                const isMahindra = providerIdLower === MahindraProviderId.toLowerCase();
+
+                // For Mahindra flows, ensure customer/application/details are fully loaded
+                // before navigating into ExternalSDK so downstream screens see complete
+                // nominee/bank/KYC/guardian data. Show a loader while we wait.
+                if (isMahindra) {
+                    await prefetchMahindraCustomerApplicationDetails(appData);
+                }
+
+                try {
+                    const fdListSelectedData = {
+                        id: appData.fd_id || appData.fdId || 'active-fd',
+                        providerId: providerIdFromApp,
+                        name: fdDisplay.name,
+                        accountNumber: appData.account_number || appData.accountNumber || '',
+                        roi: `${fdDisplay.returns}% p.a.`,
+                        tenure: fdDisplay.maturityDate || '-',
+                        amount: Number(fdDisplay.invested) || 0,
+                        maturityDate: fdDisplay.maturityDate || '-',
+                        status: 'active' as const,
+                        creditRating: appData.credit_rating || appData.creditRating || selectedFD?.creditRating || 'NA',
+                        companyName: fdDisplay.name,
+                        fdRate: `${fdDisplay.returns}% p.a.`,
+                        interestPayout: fdDisplay.interestPayout || '',
+                    };
+                    dispatch(setFDListSelected(fdListSelectedData));
+                } catch (e) {
+                    // Handle error silently
+                }
+
+                try {
+                    const ids = {
+                        workflowInstanceId: appData.workflow_instance_id || appData.workflowInstanceId,
+                        applicationId: appData.application_id || appData.applicationId,
+                        entityid: appData.entity_id || appData.entityId,
+                        customerId: appData.customer_id || appData.customerId,
+                        fdId: appData.fd_id || appData.fdId,
+                        currentState: appData.current_state || appData.currentState,
+                        currentTask: appData.current_task || appData.currentTask,
+                        providerId: providerIdFromApp || undefined,
+                        wfStatus: appData.wf_status || appData.wfStatus,
+                    };
+                    onboardingIdsFromApp = ids;
+                    dispatch(setOnboardingIds(ids));
+                } catch (e) {
+                }
+            }
+        } catch (error) {
+            // Handle error silently
+        }
+
+        if (!fdDisplay && appData) fdDisplay = appToPendingFDData(appData);
+
+        // If current state is payment and transactionId is available, call payment reverse feed API
+        // Check for both Mahindra and Shriram payment states
+        const isPaymentState = currentState === WORKFLOW_STATES.PAYMENT ||
+            currentState === MAHINDRA_WORKFLOW_STATES.PAYMENT ||
+            currentState === SHRIRAM_WORKFLOW_STATES.PAYMENT;
+
+        if (isPaymentState && transactionId) {
+            try {
+                // Get user info and required IDs (prefer appData from continue context)
+                const userInfo = getUserInfoForAPI();
+                let providerIdFromApp = resolveProviderIdFromApp(appData, MahindraProviderId, ShriramProviderId);
+                if (forcedSdkType === 'mahindra') providerIdFromApp = MahindraProviderId;
+                if (forcedSdkType === 'shriram') providerIdFromApp = ShriramProviderId;
+                const paymentReverseFeedRequest = {
+                    providerId: providerIdFromApp || providerId,
+                    workflowInstanceId: appData?.workflow_instance_id || appData?.workflowInstanceId || workflowInstanceId,
+                    userreferenceid: userInfo.id,
+                    applicationid: appData?.application_id || appData?.applicationId || applicationId,
+                    entityid: appData?.entity_id || appData?.entityId || entityId,
+                    transactionId: transactionId,
+                };
+
+                const response = await paymentReverseFeed(paymentReverseFeedRequest).unwrap();
+
+                // Handle the response based on payment status
+                const paymentStatus = (response?.data?.paymentStatus || '').toLowerCase();
+                const statusParam = paymentStatus === 'success' ? 'success' : paymentStatus === 'failed' ? 'failed' : 'pending';
+
+                const fdDataParam = fdDisplay ? {
+                    companyName: fdDisplay.name,
+                    amount: Number(fdDisplay.invested) || 0,
+                    fdRate: `${fdDisplay.returns}% p.a.`,
+                    tenure: fdDisplay.maturityDate ? `${fdDisplay.maturityDate}` : '-',
+                    interestPayout: fdDisplay.interestPayout || 'Yearly',
+                } : activeFD ? {
+                    companyName: activeFD.name,
+                    amount: Number(activeFD.invested) || 0,
+                    fdRate: `${activeFD.returns}% p.a.`,
+                    tenure: activeFD.maturityDate ? `${activeFD.maturityDate}` : '-',
+                    interestPayout: activeFD.interestPayout || 'Yearly',
+                } : undefined;
+
+                // Shriram: always navigate to Shriram SDK PaymentStatus, never FDSDK PaymentStatus
+                let paymentProviderId = resolveProviderIdFromApp(appData, MahindraProviderId, ShriramProviderId).toLowerCase();
+                if (forcedSdkType === 'mahindra') paymentProviderId = MahindraProviderId.toLowerCase();
+                if (forcedSdkType === 'shriram') paymentProviderId = ShriramProviderId.toLowerCase();
+                const isShriramPayment = paymentProviderId === ShriramProviderId.toLowerCase();
+                if (isShriramPayment && appData) {
+                    if (!initializeExternalSDKFromFDList('shriram')) return;
+                    let ShriramSDKGlobalDataPayment: any = null;
+                    if (customerApplications && !isCustomerApplicationsEmpty()) {
+                        let applicationsData: any[] = [];
+                        if (Array.isArray(customerApplications)) applicationsData = customerApplications;
+                        else if (customerApplications?.data && Array.isArray(customerApplications.data)) applicationsData = customerApplications.data;
+                        else if (customerApplications?.applications && Array.isArray(customerApplications.applications)) applicationsData = customerApplications.applications;
+                        const completeApplications = applicationsData.filter((app: any) => {
+                            const s = (app.wf_status || app.status || '').toString().toLowerCase();
+                            return s === 'completed' || s === 'complete';
+                        });
+                        const shriramComplete = completeApplications.find((app: any) => (app.fd_provider_id || app.fdProviderId || app.provider_id || app.providerId || '').toLowerCase() === ShriramProviderId.toLowerCase());
+                        if (shriramComplete) ShriramSDKGlobalDataPayment = shriramComplete;
+                    }
+                    const fdListSelectedDataPayment = activeFD ? {
+                        id: appData.fd_id || appData.fdId || 'active-fd',
+                        providerId: providerIdFromApp,
+                        name: activeFD.name,
+                        accountNumber: appData.account_number || appData.accountNumber || '',
+                        roi: `${activeFD.returns}% p.a.`,
+                        tenure: activeFD.maturityDate || '-',
+                        amount: Number(activeFD.invested) || 0,
+                        maturityDate: activeFD.maturityDate || '-',
+                        status: 'active' as const,
+                        creditRating: appData.credit_rating || appData.creditRating || 'NA',
+                        companyName: activeFD.name,
+                        fdRate: `${activeFD.returns}% p.a.`,
+                        interestPayout: activeFD.interestPayout || 'Yearly',
+                    } : null;
+                    const masterDataPayment = ShriramMasterData;
+
+                    navigate('ExternalSDK', {
+                        sdkType: 'shriram',
+                        providerId: providerIdFromApp,
+                        fdListSelectedData: fdListSelectedDataPayment,
+                        masterData: masterDataPayment,
+                        onboardingIds: onboardingIdsFromApp || onboardingIds,
+                        initialRouteName: 'PaymentStatus',
+                        initialPaymentStatusParams: { status: statusParam, transactionId, fdData: fdDataParam },
+                        shriramSDKGlobalData: ShriramSDKGlobalDataPayment,
+                    } as any);
+                    return;
+                }
+
+                navigate('PaymentStatus', { status: statusParam, transactionId, fdData: fdDataParam } as any);
+                return;
+
+            } catch (error) {
+                // Handle error silently
+                const fdDataParam = fdDisplay ? {
+                    companyName: fdDisplay.name,
+                    amount: Number(fdDisplay.invested) || 0,
+                    fdRate: `${fdDisplay.returns}% p.a.`,
+                    tenure: fdDisplay.maturityDate ? `${fdDisplay.maturityDate}` : '-',
+                    interestPayout: fdDisplay.interestPayout || 'Yearly',
+                } : activeFD ? {
+                    companyName: activeFD.name,
+                    amount: Number(activeFD.invested) || 0,
+                    fdRate: `${activeFD.returns}% p.a.`,
+                    tenure: activeFD.maturityDate ? `${activeFD.maturityDate}` : '-',
+                    interestPayout: activeFD.interestPayout || 'Yearly',
+                } : undefined;
+                let providerIdFromApp = resolveProviderIdFromApp(appData, MahindraProviderId, ShriramProviderId);
+                if (forcedSdkType === 'mahindra') providerIdFromApp = MahindraProviderId;
+                if (forcedSdkType === 'shriram') providerIdFromApp = ShriramProviderId;
+                const paymentProviderIdCatch = providerIdFromApp.toLowerCase();
+                const isShriramPaymentCatch = paymentProviderIdCatch === ShriramProviderId.toLowerCase();
+                if (isShriramPaymentCatch && appData) {
+                    if (!initializeExternalSDKFromFDList('shriram')) return;
+                    let ShriramSDKGlobalDataPayment: any = null;
+                    if (customerApplications && !isCustomerApplicationsEmpty()) {
+                        let applicationsData: any[] = [];
+                        if (Array.isArray(customerApplications)) applicationsData = customerApplications;
+                        else if (customerApplications?.data && Array.isArray(customerApplications.data)) applicationsData = customerApplications.data;
+                        else if (customerApplications?.applications && Array.isArray(customerApplications.applications)) applicationsData = customerApplications.applications;
+                        const completeApplications = applicationsData.filter((app: any) => {
+                            const s = (app.wf_status || app.status || '').toString().toLowerCase();
+                            return s === 'completed' || s === 'complete';
+                        });
+                        const shriramComplete = completeApplications.find((app: any) => (app.fd_provider_id || app.fdProviderId || app.provider_id || app.providerId || '').toLowerCase() === ShriramProviderId.toLowerCase());
+                        if (shriramComplete) ShriramSDKGlobalDataPayment = shriramComplete;
+                    }
+                    const fdListSelectedDataPayment = activeFD ? {
+                        id: appData.fd_id || appData.fdId || 'active-fd',
+                        providerId: providerIdFromApp,
+                        name: activeFD.name,
+                        accountNumber: appData.account_number || appData.accountNumber || '',
+                        roi: `${activeFD.returns}% p.a.`,
+                        tenure: activeFD.maturityDate || '-',
+                        amount: Number(activeFD.invested) || 0,
+                        maturityDate: activeFD.maturityDate || '-',
+                        status: 'active' as const,
+                        creditRating: appData.credit_rating || appData.creditRating || 'NA',
+                        companyName: activeFD.name,
+                        fdRate: `${activeFD.returns}% p.a.`,
+                        interestPayout: activeFD.interestPayout || 'Yearly',
+                    } : null;
+                    const masterDataPayment = ShriramMasterData;
+                    navigate('ExternalSDK', {
+                        sdkType: 'shriram',
+                        providerId: providerIdFromApp,
+                        fdListSelectedData: fdListSelectedDataPayment,
+                        masterData: masterDataPayment,
+                        onboardingIds: onboardingIdsFromApp || onboardingIds,
+                        initialRouteName: 'PaymentStatus',
+                        initialPaymentStatusParams: { status: 'pending', transactionId, fdData: fdDataParam },
+                        shriramSDKGlobalData: ShriramSDKGlobalDataPayment,
+                    } as any);
+                    return;
+                }
+                navigate('PaymentStatus', { status: 'pending', transactionId, fdData: fdDataParam } as any);
+                return;
+            }
+        }
+
+        // Determine provider and navigate to appropriate SDK
+        if (appData) {
+            let providerIdFromApp = resolveProviderIdFromApp(appData, MahindraProviderId, ShriramProviderId);
+            if (forcedSdkType === 'mahindra') providerIdFromApp = MahindraProviderId;
+            if (forcedSdkType === 'shriram') providerIdFromApp = ShriramProviderId;
+            const providerIdLower = (providerIdFromApp || '').toLowerCase();
+            const isMahindra = providerIdLower === MahindraProviderId.toLowerCase();
+            const isShriram = providerIdLower === ShriramProviderId.toLowerCase();
+
+            // Check for complete applications and create global data constants
+            let ShriramSDKGlobalData: any = null;
+            let MahindraSDKGlobalData: any = null;
+
+            if (customerApplications && !isCustomerApplicationsEmpty()) {
+                let applicationsData: any[] = [];
+                if (Array.isArray(customerApplications)) {
+                    applicationsData = customerApplications;
+                } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                    applicationsData = customerApplications.data;
+                } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                    applicationsData = customerApplications.applications;
+                }
+
+                // Find complete applications
+                const completeApplications = applicationsData.filter((app: any) => {
+                    const status = (app.wf_status || app.status || '').toString().toLowerCase();
+                    return status === 'completed' || status === 'complete';
+                });
+
+                // Separate by provider
+                completeApplications.forEach((app: any) => {
+                    const appProviderId = (app.fd_provider_id || app.fdProviderId || app.provider_id || app.providerId || '').toLowerCase();
+                    if (appProviderId === ShriramProviderId.toLowerCase()) {
+                        ShriramSDKGlobalData = app;
+                    } else if (appProviderId === MahindraProviderId.toLowerCase()) {
+                        MahindraSDKGlobalData = app;
+                    }
+                });
+            }
+
+            // Helper function to map workflow state to screen name
+            const getScreenNameFromState = (state: number, isMahindraSDK: boolean, isShriramSDK: boolean): string => {
+                if (isMahindraSDK) {
+                    if (state === MAHINDRA_WORKFLOW_STATES.KYC_SUCCESS) return 'KYCSuccess';
+                    if (state === MAHINDRA_WORKFLOW_STATES.KYC) return 'ReviewKYC';
+                    if (state === MAHINDRA_WORKFLOW_STATES.OCCUPATION) return 'Employee';
+                    if (state === MAHINDRA_WORKFLOW_STATES.NOMINEE) return 'NomineeDetail';
+                    if (state === MAHINDRA_WORKFLOW_STATES.BANK_DETAILS) return 'BankDetail';
+                    if (state === MAHINDRA_WORKFLOW_STATES.AADHAAR_VERIFICATION) return 'AadhaarVerification';
+                    if (state === MAHINDRA_WORKFLOW_STATES.PAYMENT) return 'PayNow';
+                    if (state === MAHINDRA_WORKFLOW_STATES.CREATE_FD) return 'FDCalculator';
+                } else if (isShriramSDK) {
+                    if (state === SHRIRAM_WORKFLOW_STATES.KYC) return 'ReviewKYC';
+                    if (state === SHRIRAM_WORKFLOW_STATES.OCCUPATION) return 'Employee';
+                    if (state === SHRIRAM_WORKFLOW_STATES.NOMINEE) return 'NomineeDetail';
+                    if (state === SHRIRAM_WORKFLOW_STATES.BANK_DETAILS) return 'BankDetail';
+                    if (state === SHRIRAM_WORKFLOW_STATES.PAYMENT) return 'PayNow';
+                    // State 411 (CREATE_FD): user has completed up to FD creation; next step is payment → open PayNow
+                    if (state === SHRIRAM_WORKFLOW_STATES.CREATE_FD) return 'PayNow';
+                }
+                // Default fallback
+                return 'FDCalculator';
+            };
+
+            // Align pending flow with new-FD reliability: fetch provider-scoped master data right before navigation.
+            let providerMasterData = isMahindra ? MahindraMasterData : isShriram ? ShriramMasterData : undefined;
+            try {
+                if (isMahindra) {
+                    const refreshed = await refetchMahindraMasterData();
+                    providerMasterData = refreshed?.data ?? providerMasterData;
+                } else if (isShriram) {
+                    const refreshed = await refetchShriramMasterData();
+                    providerMasterData = refreshed?.data ?? providerMasterData;
+                }
+            } catch {
+                // keep previously cached provider-specific master data
+            }
+
+            const masterDataToPass = providerMasterData || (masterData || masterDataContext);
+
+            // Get onboardingIds - use the one from appData if available, otherwise from Redux store
+            const onboardingIdsToPass = onboardingIdsFromApp || onboardingIds;
+
+            // Get fdListSelectedData (already set in Redux, but we need it for navigation)
+            const fdListSelectedDataToPass = activeFD ? {
+                id: appData.fd_id || appData.fdId || 'active-fd',
+                providerId: providerIdFromApp,
+                name: activeFD.name,
+                accountNumber: appData.account_number || appData.accountNumber || '',
+                roi: `${activeFD.returns}% p.a.`,
+                tenure: activeFD.tenure_in_months
+                    ? `${activeFD.tenure_in_months} Months`
+                    : '-',
+                amount: Number(activeFD.invested) || 0,
+                maturityDate: activeFD.maturityDate || '-',
+                status: 'active' as const,
+                creditRating: appData.credit_rating || appData.creditRating || selectedFD?.creditRating || 'NA',
+                companyName: activeFD.name,
+                fdRate: `${activeFD.returns}% p.a.`,
+                interestPayout: activeFD.interestPayout || '',
+            } : null;
+
+            // Navigate to appropriate SDK if provider is detected
+            if (isMahindra || isShriram) {
+                const screenName = getScreenNameFromState(currentState, isMahindra, isShriram);
+                const sdkType = isMahindra ? 'mahindra' : 'shriram';
+                if (!initializeExternalSDKFromFDList(sdkType)) return;
+                // #region agent log
+                fetch('http://127.0.0.1:7653/ingest/94b18a39-caf3-48fd-98f5-bf1838d9491a',{method:'POST',headers:{'Content-Type':'application/json','X-Debug-Session-Id':'04da7c'},body:JSON.stringify({sessionId:'04da7c',runId:'pending-masterdata-trace',hypothesisId:'H2',location:'fdsdk/screens/FDList.tsx:1315',message:'Pending continue pre-navigation payload',data:{forcedSdkType:forcedSdkType||null,resolvedSdkType:sdkType,providerIdFromApp:providerIdFromApp||null,onboardingProviderId:onboardingIdsToPass?.providerId||null,fdListSelectedProviderId:fdListSelectedDataToPass?.providerId||null,usingMahindraMasterData:!!(sdkType==='mahindra'&&masterDataToPass),usingShriramMasterData:!!(sdkType==='shriram'&&masterDataToPass),masterDataHasDataKey:!!masterDataToPass?.data},timestamp:Date.now()})}).catch(()=>{});
+                // #endregion agent log
+
+                navigate('ExternalSDK', {
+                    sdkType,
+                    providerId: providerIdFromApp,
+                    fdListSelectedData: fdListSelectedDataToPass,
+                    masterData: masterDataToPass,
+                    onboardingIds: onboardingIdsToPass,
+                    initialRouteName: screenName, // Pass the screen name to navigate to
+                    shriramSDKGlobalData: ShriramSDKGlobalData, // Pass complete Shriram application data
+                    mahindraSDKGlobalData: MahindraSDKGlobalData, // Pass complete Mahindra application data
+                    // Let Mahindra SDK fetch details itself when launched from host (Mahindra only)
+                    ...(isMahindra ? { forceFetchCustomerDetails: true } : {}),
+                });
+                return;
+            }
+        }
+
+        // Fallback: Use workflow navigation based on current state (non-payment states or no transactionId)
+        if (currentState && Object.values(WORKFLOW_STATES).includes(currentState)) {
+            handleWorkflowNavigation({
+                workflowState: currentState,
+                investmentData: undefined,
+                customerData: undefined,
+                appData: undefined,
+                fdData: undefined,
+                completedApplications: [],
+                transactionId,
+            });
+        } else {
+            navigate('Employee');
+        }
+    };
+
+    // Derive identifiers for workflow termination from applications API
+    // Derive Active FD card data from customer applications response
+    const activeFD = React.useMemo(() => {
+        try {
+            if (!customerApplications || isCustomerApplicationsEmpty()) {
+                return {
+                    name: 'Mahindra Finance Ltd',
+                    invested: 0,
+                    value: 0,
+                    returns: 0,
+                    maturityDate: '--',
+                    tenure_in_months: 0,
+                    interestPayout: 'Yearly',
+                    logoType: 'mahindra' as const,
+                };
+            }
+
+            // Normalize list
+            let applicationsData: any[] = [];
+            if (Array.isArray(customerApplications)) {
+                applicationsData = customerApplications;
+            } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                applicationsData = customerApplications.data;
+            } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                applicationsData = customerApplications.applications;
+            }
+
+            if (applicationsData.length === 0) {
+                return {
+                    name: 'Mahindra Finance Ltd',
+                    invested: 0,
+                    value: 0,
+                    returns: 0,
+                    maturityDate: '--',
+                    tenure_in_months: 0,
+                    interestPayout: 'Yearly',
+                    logoType: 'mahindra' as const,
+                };
+            }
+
+            // Pick an active application if available, otherwise first
+            const activeApp = applicationsData.find((a: any) => {
+                const s = (a.wf_status || a.status || '').toString();
+                return s === 'Active';
+            }) || applicationsData[0];
+
+            const invested = Number(
+                activeApp.investment_amount ?? activeApp.amount ?? activeApp.investmentAmount ?? 0
+            );
+            const rate = Number(
+                activeApp.interest_rate ?? activeApp.interestRate ?? 0
+            );
+
+            // Prefer a provided current value, then maturity amount
+            const value = Number(
+                activeApp.current_value ?? activeApp.currentValue ?? activeApp.maturity_amount ?? activeApp.maturityAmount ?? 0
+            );
+
+            const returns = rate || 0; // display interest rate as returns %
+
+            // Format maturity date to 'Mon YYYY'
+            const maturityDateStr: string = activeApp.maturity_date || activeApp.maturityDate || '';
+            let maturityDate = '--';
+            if (maturityDateStr) {
+                const d = new Date(maturityDateStr);
+                if (!isNaN(d.getTime())) {
+                    const months = ['Jan', 'Feb', 'Mar', 'Apr', 'May', 'Jun', 'Jul', 'Aug', 'Sep', 'Oct', 'Nov', 'Dec'];
+                    maturityDate = `${months[d.getMonth()]} ${d.getFullYear()}`;
+                }
+            }
+
+            // Get interest payout term from activeApp
+            const interestPayout = activeApp.interest_payout_term || activeApp.interestPayoutTerm || activeApp.payout_term || 'Yearly';
+
+            const providerName = activeApp.fd_provider_name || activeApp.providerName || 'Mahindra Finance Ltd';
+            const logoType = getLogoTypeForFD({ name: providerName, providerId: activeApp.fd_provider_id || activeApp.fdProviderId || '' });
+
+            return {
+                name: providerName,
+                invested,
+                value,
+                returns,
+                maturityDate,
+                tenure_in_months: activeApp.tenure_in_months ?? 0,
+                interestPayout,
+                logoType,
+            };
+        } catch (e) {
+            return {
+                name: 'Mahindra Finance Ltd',
+                invested: 0,
+                value: 0,
+                returns: 0,
+                maturityDate: '--',
+                tenure_in_months: 0,
+                interestPayout: 'Yearly',
+                logoType: 'mahindra' as const,
+            };
+        }
+    }, [customerApplications]);
+
+    // All pending/active FDs (one per application with Active or pending/in_progress) – for multiple providers
+    const activeFDs = React.useMemo(() => {
+        try {
+            if (!customerApplications || isCustomerApplicationsEmpty()) return [];
+            let applicationsData: any[] = [];
+            if (Array.isArray(customerApplications)) {
+                applicationsData = customerApplications;
+            } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                applicationsData = customerApplications.data;
+            } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                applicationsData = customerApplications.applications;
+            }
+            const pendingActive = applicationsData.filter((a: any) => {
+                const s = (a.wf_status || a.status || '').toString().toLowerCase();
+                return PENDING_ACTIVE_STATUSES.includes(s);
+            });
+            return pendingActive.map((app: any) => ({
+                ...appToPendingFDData(app),
+                app,
+            }));
+        } catch (e) {
+            return [];
+        }
+    }, [customerApplications]);
+
+    // Normalized applications list for provider-scoped lookups
+    const applicationsDataNormalized = React.useMemo(() => {
+        if (!customerApplications || isCustomerApplicationsEmpty()) return [];
+        if (Array.isArray(customerApplications)) return customerApplications;
+        if (customerApplications.data && Array.isArray(customerApplications.data)) return customerApplications.data;
+        if (customerApplications.applications && Array.isArray(customerApplications.applications)) return customerApplications.applications;
+        return [];
+    }, [customerApplications]);
+
+    // Helper function to check if there's any active/pending FD
+    const hasActiveFD = React.useMemo(() => activeFDs.length > 0, [activeFDs]);
+
+    // Pending FD data for bottom sheet: from the app we're showing (provider they tapped), or fallback to first active
+    const pendingFDDataForSheet = React.useMemo(() => {
+        if (pendingContextApp) return appToPendingFDData(pendingContextApp);
+        if (activeFDs.length > 0) return activeFDs[0]; // fallback: first card data (no app ref needed for display)
+        return activeFD;
+    }, [pendingContextApp, activeFDs, activeFD]);
+
+    // Build FD options list from interest-rate API (show all FDs)
+    const fdList = React.useMemo(() => {
+        if (interestRates && (interestRates.data?.sdrScheme?.length > 0 || interestRates.data?.fdrScheme?.length > 0)) {
+            const sdr = Array.isArray(interestRates.data?.sdrScheme) ? interestRates.data.sdrScheme : [];
+            const fdr = Array.isArray(interestRates.data?.fdrScheme) ? interestRates.data.fdrScheme : [];
+            const combined = [...sdr, ...fdr];
+
+            // Building FD options from rates
+
+            return combined.map((rate: any, index: number) => ({
+                id: `${rate.providerId || 'provider'}-${rate.perdMonth || index}`,
+                providerId: rate.providerId || `provider-${index}`,
+                name: rate.providerName || '', // Use actual provider name from API
+                accountNumber: `FD${String(index + 1).padStart(9, '0')}`,
+                roi: `${Number(rate.rate ?? rate.interestRate ?? 0).toFixed(2)}% p.a.`,
+                tenure: `${rate.perdMonth} Months`,
+                amount: 5000,
+                maturityDate: '2025-12-31',
+                status: 'active' as const,
+                creditRating: rate.creditRating || 'AA+',
+                interestPayout: rate.interestPayout || rate.interest_payout_term || rate.payout_term || 'Yearly'
+            }));
+        }
+
+        // If rates are not available yet, show empty list
+        return [];
+    }, [interestRates]);
+
+
+    // Get filtered FD list based on active tab
+    const filteredFDList = React.useMemo(() => {
+        if (!fdList || fdList.length === 0) return [];
+
+        // Always create a new filtered array
+        const filtered = filterFDsByTenure([...fdList], activeTab); // spread to ensure new array
+
+        return filtered;
+    }, [fdList, activeTab]);
+
+
+    const tabs = [FD_STRINGS.ALL_FDS_TAB, FD_STRINGS.LESS_THAN_1Y_TAB, FD_STRINGS.LESS_THAN_1_3Y_TAB, FD_STRINGS.LESS_THAN_3_5Y_TAB, FD_STRINGS.GREATER_THAN_5Y_TAB];
+    const poweredByLogo = (getAppData()?.poweredByLogo || '').trim();
+
+    if (!isAllDataReady) {
+        return (
+            <SafeAreaWrapper
+                style={customStyles.container}
+                includeTop={false}
+                statusBarColor={colors.headerBg}
+                statusBarStyle="light-content"
+            >
+                <View style={{ flex: 1, alignItems: 'center', justifyContent: 'center' }}>
+                    <ActivityIndicator size="large" color={colors.primary} />
+                    <Text style={{ marginTop: 12, color: colors.textSecondary }}>{FD_STRINGS.LOADING_FD_DATA}</Text>
+                </View>
+            </SafeAreaWrapper>
+        );
+    }
+
+    return (
+        <SafeAreaWrapper
+            style={customStyles.container}
+            includeTop={false}
+            statusBarColor={colors.headerBg}
+            statusBarStyle="light-content"
+        >
+            {/* Custom FDList Header - same structure as Shriram FDList */}
+            <View style={styles.customHeader}>
+                <TouchableOpacity
+                    style={styles.backButton}
+                    onPress={onGoBack}
+                    activeOpacity={0.7}
+                >
+                    <Image
+                        source={{ uri: base64Images.backArrow }}
+                        style={styles.backIcon}
+                        resizeMode="contain"
+                    />
+                </TouchableOpacity>
+
+                <View style={styles.headerContent}>
+                    <Text style={styles.headerTitle}>{FD_STRINGS.CORPORATE_FDS_TITLE}</Text>
+                    {poweredByLogo ? (
+                        <View style={styles.poweredByContainer}>
+                            <Text style={styles.poweredByText}>Powered by</Text>
+                            <Image
+                                source={{ uri: poweredByLogo }}
+                                style={styles.simplifyLogo}
+                                resizeMode="contain"
+                            />
+                        </View>
+                    ) : null}
+                </View>
+            </View>
+
+            <ScrollView style={styles.content}>
+
+                {/* Active FDs Section - One card per pending/active FD (e.g. one Mahindra, one Shriram) */}
+                {hasActiveFD && (
+                    <View style={styles.section}>
+                        <Text style={styles.sectionTitle}>{FD_STRINGS.ACTIVE_FDS_SECTION}</Text>
+                        {activeFDs.map((item, index) => (
+                            <TouchableOpacity
+                                key={item.app?.application_id || item.app?.applicationId || index}
+                                activeOpacity={0.8}
+                                onPress={() => handlePendingFDContinue(item.app, item.logoType)}
+                                style={index > 0 ? styles.activeFDCardSpacer : undefined}
+                            >
+                                <ActiveFDCard
+                                    name={item.name}
+                                    invested={item.invested}
+                                    value={item.value}
+                                    returns={item.returns}
+                                    maturityDate={item.maturityDate}
+                                    logoType={item.logoType}
+                                />
+                            </TouchableOpacity>
+                        ))}
+                    </View>
+                )}
+
+                {/* Tabs */}
+                <View style={styles.tabsContainer}>
+                    <View style={styles.tabsRow}>
+                        {tabs.map((tab) => (
+                            <TouchableOpacity
+                                key={tab}
+                                style={[
+                                    styles.tab,
+                                    activeTab === tab && styles.activeTab
+                                ]}
+                                onPress={() => {
+                                    // Other tabs filter the data
+                                    setActiveTab(tab);
+                                }}
+                            >
+                                <Text style={[
+                                    styles.tabText,
+                                    activeTab === tab && styles.activeTabText
+                                ]}>
+                                    {tab}
+                                </Text>
+                            </TouchableOpacity>
+                        ))}
+                    </View>
+                </View>
+
+                {/* Filter Status removed as requested */}
+
+                {/* FD List */}
+                <View style={styles.fdOptionsContainer}>
+                    {filteredFDList.length > 0 ? (
+                        filteredFDList.map((fd: FDItem) => (
+                            <FDCard
+                                key={fd.id}
+                                id={fd.id}
+                                name={fd.name}
+                                accountNumber={fd.accountNumber}
+                                roi={fd.roi}
+                                tenure={fd.tenure}
+                                amount={fd.amount}
+                                maturityDate={fd.maturityDate}
+                                status={fd.status as 'active' | 'matured' | 'pending'}
+                                creditRating={fd.creditRating}
+                                logoType={getLogoTypeForFD(fd)}
+                                onPress={(fdId) => {
+
+
+                                    // Log the selection
+                                    onSelectFD?.(fdId);
+
+                                    // Store the selected FD data locally
+                                    setSelectedFD(fd);
+
+                                    // Store the selected FD data in Redux for PayNow screen
+                                    const fdListSelectedData = {
+                                        id: fd.id,
+                                        providerId: fd.providerId,
+                                        name: fd.name,
+                                        accountNumber: fd.accountNumber,
+                                        roi: fd.roi,
+                                        tenure: fd.tenure,
+                                        amount: fd.amount,
+                                        maturityDate: fd.maturityDate,
+                                        status: fd.status as 'active' | 'matured' | 'pending',
+                                        creditRating: fd.creditRating,
+                                        // Additional fields for PayNow display
+                                        companyName: fd.name,
+                                        fdRate: fd.roi,
+                                        interestPayout: fd.interestPayout || 'Yearly', // Use FD's interest payout or default
+                                    };
+
+                                    dispatch(setFDListSelected(fdListSelectedData));
+
+                                    // 1st Place: Set onboardingIds when customer taps on any FD from FDList
+                                    // Start with existing onboardingIds, but prefer the freshly computed ones for this tap.
+                                    let onboardingIdsForNav: any = onboardingIds;
+                                    try {
+                                        let idsToSet: any = { providerId: fd.providerId };
+
+                                        // If we already have customer applications, enrich onboardingIds
+                                        try {
+                                            if (customerApplications && !isCustomerApplicationsEmpty()) {
+                                                // Normalize list
+                                                let applicationsData: any[] = [];
+                                                if (Array.isArray(customerApplications)) {
+                                                    applicationsData = customerApplications;
+                                                } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                                                    applicationsData = customerApplications.data;
+                                                } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                                                    applicationsData = customerApplications.applications;
+                                                }
+
+                                                if (applicationsData.length > 0) {
+                                                    // Prefer applications that belong to the same provider as the tapped FD
+                                                    const fdProviderIdLower = (fd.providerId || '').toLowerCase();
+                                                    const appsForProvider = applicationsData.filter((a: any) => {
+                                                        const appProviderId =
+                                                            (a.fd_provider_id ||
+                                                                a.fdProviderId ||
+                                                                a.provider_id ||
+                                                                a.providerId ||
+                                                                '').toLowerCase();
+                                                        return appProviderId === fdProviderIdLower;
+                                                    });
+
+                                                    const scopedApplications =
+                                                        appsForProvider.length > 0 ? appsForProvider : applicationsData;
+
+                                                    // Within the scoped list, still prefer the Active application
+                                                    const appData = scopedApplications.find((a: any) => {
+                                                        const s = (a.wf_status || a.status || '').toString();
+                                                        return s === 'Active';
+                                                    }) || scopedApplications[0];
+
+                                                    idsToSet = {
+                                                        workflowInstanceId: appData.workflow_instance_id || appData.workflowInstanceId,
+                                                        applicationId: appData.application_id || appData.applicationId,
+                                                        entityid: appData.entity_id || appData.entityId,
+                                                        customerId: appData.customer_id || appData.customerId,
+                                                        fdId: appData.fd_id || appData.fdId,
+                                                        currentState: appData.current_state || appData.currentState,
+                                                        currentTask: appData.current_task || appData.currentTask,
+                                                        // Check both snake_case (fd_provider_id) and camelCase (fdProviderId) variants
+                                                        providerId: fd.providerId,
+                                                        wfStatus: appData.wf_status || appData.wfStatus,
+                                                    };
+                                                }
+                                            }
+                                        } catch (innerError) {
+                                            // If enrichment fails, fall back to providerId only
+                                        }
+
+                                        dispatch(setOnboardingIds(idsToSet));
+                                        onboardingIdsForNav = idsToSet;
+                                    } catch (e) {
+                                    }
+
+                                    // Check if this provider has a pending/active FD – show sheet only for that provider
+                                    const pendingAppForProvider = getPendingOrActiveAppForProvider(applicationsDataNormalized, fd.providerId || '');
+                                    if (pendingAppForProvider) {
+                                        setPendingContextApp(pendingAppForProvider);
+                                        setShowPendingFDBottomSheet(true);
+                                    } else {
+                                        // If no active FD, navigate to appropriate SDK FD calculator
+                                        const fdProviderId = (fd.providerId || '').toLowerCase();
+                                        const isMahindra = fdProviderId === MahindraProviderId.toLowerCase();
+                                        const isShriram = fdProviderId === ShriramProviderId.toLowerCase();
+
+                                        // Check for complete applications and create global data constants
+                                        let ShriramSDKGlobalData: any = null;
+                                        let MahindraSDKGlobalData: any = null;
+
+                                        if (customerApplications && !isCustomerApplicationsEmpty()) {
+                                            let applicationsData: any[] = [];
+                                            if (Array.isArray(customerApplications)) {
+                                                applicationsData = customerApplications;
+                                            } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                                                applicationsData = customerApplications.data;
+                                            } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                                                applicationsData = customerApplications.applications;
+                                            }
+
+                                            // Find complete applications
+                                            const completeApplications = applicationsData.filter((app: any) => {
+                                                const status = (app.wf_status || app.status || '').toString().toLowerCase();
+                                                return status === 'completed' || status === 'complete';
+                                            });
+
+                                            // Separate by provider
+                                            completeApplications.forEach((app: any) => {
+                                                const appProviderId = (app.fd_provider_id || app.fdProviderId || app.provider_id || app.providerId || '').toLowerCase();
+                                                if (appProviderId === ShriramProviderId.toLowerCase()) {
+                                                    ShriramSDKGlobalData = app;
+                                                } else if (appProviderId === MahindraProviderId.toLowerCase()) {
+                                                    MahindraSDKGlobalData = app;
+                                                }
+                                            });
+                                        }
+
+                                        if (isShriram) {
+                                            navigate('ExternalSDK', {
+                                                sdkType: 'shriram',
+                                                providerId: fd.providerId,
+                                                fdListSelectedData: fdListSelectedData,
+                                                masterData: ShriramMasterData,
+                                                // Use the freshest onboardingIds (from this tap if available)
+                                                onboardingIds: onboardingIdsForNav,
+                                                shriramSDKGlobalData: ShriramSDKGlobalData, // Pass complete Shriram application data
+                                                mahindraSDKGlobalData: MahindraSDKGlobalData, // Pass complete Mahindra application data
+                                            });
+                                        } else if (isMahindra) {
+                                            // Navigate to Mahindra SDK FD calculator
+                                            navigate('ExternalSDK', {
+                                                sdkType: 'mahindra',
+                                                providerId: fd.providerId,
+                                                fdListSelectedData: fdListSelectedData,
+                                                masterData: MahindraMasterData,
+                                                // Use the freshest onboardingIds (from this tap if available)
+                                                onboardingIds: onboardingIdsForNav,
+                                                shriramSDKGlobalData: ShriramSDKGlobalData, // Pass complete Shriram application data
+                                                mahindraSDKGlobalData: MahindraSDKGlobalData, // Pass complete Mahindra application data
+                                            });
+                                        } else {
+                                            // Fallback to default FD calculator
+                                            onNavigateToFDCalculator?.(fd, masterData);
+                                        }
+                                    }
+                                }}
+                                // onPress={(fdId) => {
+                                //     const fdProviderId = (fd.providerId || '').toLowerCase();
+                                //     const isMahindra = fdProviderId === MahindraProviderId.toLowerCase();
+                                //     const isShriram = fdProviderId === ShriramProviderId.toLowerCase();
+
+                                //     // Construct FDListSelectedData object
+                                //     const fdListSelectedData = {
+                                //         id: fd.id,
+                                //         providerId: fd.providerId,
+                                //         name: fd.name,
+                                //         accountNumber: fd.accountNumber,
+                                //         roi: fd.roi,
+                                //         tenure: fd.tenure,
+                                //         amount: fd.amount,
+                                //         maturityDate: fd.maturityDate,
+                                //         status: fd.status as 'active' | 'matured' | 'pending',
+                                //         creditRating: fd.creditRating,
+                                //         // Additional fields for PayNow display
+                                //         companyName: fd.name,
+                                //         fdRate: fd.roi,
+                                //         interestPayout: fd.interestPayout || 'Yearly', // Use FD's interest payout or default
+                                //     };
+
+                                //     console.log('[FDList][onPress] ===== FD Tapped - Data Logs =====');
+                                //     console.log('[FDList][onPress] FDListSelectedData:', fdListSelectedData);
+                                //     console.log('[FDList][onPress] OnboardingIds:', onboardingIds);
+
+                                //     if (isMahindra) {
+                                //         console.log('[FDList][onPress] Mahindra MasterData:', MahindraMasterData);
+                                //     } else if (isShriram) {
+                                //         console.log('[FDList][onPress] Shriram MasterData:', ShriramMasterData);
+                                //     } else {
+                                //         console.log('[FDList][onPress] MasterData (fallback):', masterData || masterDataContext);
+                                //     }
+
+                                //     console.log('[FDList][onPress] ====================================');
+                                // }}
+                                customStyles={customStyles}
+                            />
+                        ))
+                    ) : (
+                        <View style={styles.noDataContainer}>
+                            <Text style={styles.noDataText}>
+                                {isLoadingRates || isLoadingApplications ? FD_STRINGS.LOADING_FD_DATA :
+                                    interestRatesError || customerApplicationsError ? FD_STRINGS.FAILED_TO_LOAD_FD_DATA :
+                                        fdList.length === 0 ? (!isCustomerApplicationsEmpty() ? FD_STRINGS.NO_CUSTOMER_FDS_FOUND : FD_STRINGS.NO_FD_OPTIONS_AVAILABLE) :
+                                            `${FD_STRINGS.NO_FDS_FOUND_FOR_TENURE} "${activeTab}" tenure range.`}
+                            </Text>
+
+                        </View>
+                    )}
+                </View>
+            </ScrollView>
+
+            {/* Pending FD Bottom Sheet - shows pending/active FD for the provider they tapped */}
+            <PendingFDBottomSheet
+                visible={showPendingFDBottomSheet}
+                onClose={() => {
+                    setShowPendingFDBottomSheet(false);
+                    setPendingContextApp(null);
+                }}
+                pendingFDData={pendingFDDataForSheet}
+                isBookingNewLoading={isTerminatingWorkflow}
+                onContinue={async () => {
+                    setShowPendingFDBottomSheet(false);
+                    const forcedFromSelected = getSdkTypeFromProviderId(
+                        selectedFD?.providerId || '',
+                        MahindraProviderId,
+                        ShriramProviderId
+                    ) || undefined;
+                    await handlePendingFDContinue(undefined, forcedFromSelected);
+                }}
+                onBookNew={async () => {
+                    try {
+                        // Terminate only the workflow for the provider we're showing (the one they tapped)
+                        const appToTerminate = pendingContextApp || (activeFDs.length > 0 ? activeFDs[0].app : null);
+                        const providerIdForTerminate = appToTerminate
+                            ? (appToTerminate.fd_provider_id || appToTerminate.fdProviderId || appToTerminate.provider_id || appToTerminate.providerId)
+                            : (selectedFD?.providerId || inferredProviderId);
+                        const requestParams = {
+                            providerId: providerIdForTerminate,
+                            workflowInstanceId: appToTerminate?.workflow_instance_id || appToTerminate?.workflowInstanceId || terminateIdentifiers.workflowInstanceId || 'wf-instance-unknown',
+                            entityId: appToTerminate?.entity_id || appToTerminate?.entityId || terminateIdentifiers.entityId || 'entity-unknown',
+                            applicationId: appToTerminate?.application_id || appToTerminate?.applicationId || terminateIdentifiers.applicationId || 'application-unknown',
+                        } as const;
+
+                        // Call workflow terminate API (only for this provider's workflow)
+                        await terminateWorkflow(requestParams);
+
+                        // 2nd Place: Set onboardingIds when user taps "I want to create new"
+                        try {
+                            const providerIdToSet = selectedFD?.providerId || inferredProviderId || getProviderIdFromInterestRates();
+                            if (providerIdToSet) {
+                                const idsToSet = { providerId: providerIdToSet };
+                                dispatch(setOnboardingIds(idsToSet));
+                            } else {
+                            }
+                        } catch (e) {
+                        }
+
+                        // Dismiss bottom sheet
+                        setShowPendingFDBottomSheet(false);
+
+                        // Navigate to provider-specific SDK (Mahindra/Shriram) just like new FD tap
+                        const providerIdToUse = (selectedFD?.providerId || inferredProviderId || getProviderIdFromInterestRates() || '').toLowerCase();
+                        const isMahindra = providerIdToUse === MahindraProviderId.toLowerCase();
+                        const isShriram = providerIdToUse === ShriramProviderId.toLowerCase();
+
+                        // Build fdListSelectedData from selectedFD when available (best effort)
+                        const fdListSelectedDataToPass = selectedFD ? {
+                            id: selectedFD.id || 'new-fd',
+                            providerId: selectedFD.providerId,
+                            name: selectedFD.name,
+                            accountNumber: selectedFD.accountNumber,
+                            roi: selectedFD.roi,
+                            tenure: selectedFD.tenure,
+                            amount: selectedFD.amount,
+                            maturityDate: selectedFD.maturityDate,
+                            status: selectedFD.status as 'active' | 'matured' | 'pending' | undefined,
+                            creditRating: selectedFD.creditRating,
+                            companyName: selectedFD.name,
+                            fdRate: selectedFD.roi,
+                            interestPayout: selectedFD.interestPayout || 'Yearly',
+                        } : undefined;
+
+                        const masterDataToPass = isMahindra
+                            ? MahindraMasterData
+                            : isShriram
+                                ? ShriramMasterData
+                                : (masterData || masterDataContext);
+
+                        // Recompute complete application global data constants (same as tap flow)
+                        let ShriramSDKGlobalData: any = null;
+                        let MahindraSDKGlobalData: any = null;
+                        try {
+                            if (customerApplications && !isCustomerApplicationsEmpty()) {
+                                let applicationsData: any[] = [];
+                                if (Array.isArray(customerApplications)) {
+                                    applicationsData = customerApplications;
+                                } else if (customerApplications.data && Array.isArray(customerApplications.data)) {
+                                    applicationsData = customerApplications.data;
+                                } else if (customerApplications.applications && Array.isArray(customerApplications.applications)) {
+                                    applicationsData = customerApplications.applications;
+                                }
+
+                                const completeApplications = applicationsData.filter((app: any) => {
+                                    const status = (app.wf_status || app.status || '').toString().toLowerCase();
+                                    return status === 'completed' || status === 'complete';
+                                });
+
+                                completeApplications.forEach((app: any) => {
+                                    const appProviderId = (app.fd_provider_id || app.fdProviderId || app.provider_id || app.providerId || '').toLowerCase();
+                                    if (appProviderId === ShriramProviderId.toLowerCase()) {
+                                        ShriramSDKGlobalData = app;
+                                    } else if (appProviderId === MahindraProviderId.toLowerCase()) {
+                                        MahindraSDKGlobalData = app;
+                                    }
+                                });
+                            }
+                        } catch (e) {
+                            // ignore errors
+                        }
+
+                        if (isMahindra || isShriram) {
+                            navigate('ExternalSDK', {
+                                sdkType: isMahindra ? 'mahindra' : 'shriram',
+                                providerId: selectedFD?.providerId || inferredProviderId,
+                                fdListSelectedData: fdListSelectedDataToPass,
+                                masterData: masterDataToPass,
+                                onboardingIds: onboardingIds,
+                                shriramSDKGlobalData: ShriramSDKGlobalData,
+                                mahindraSDKGlobalData: MahindraSDKGlobalData,
+                            });
+                        } else {
+                            // Fallback to host FD calculator
+                            onNavigateToFDCalculator?.();
+                        }
+
+                    } catch (error) {
+                        // Handle error silently
+
+                        // Still dismiss bottom sheet and navigate even if API fails
+                        // setShowPendingFDBottomSheet(false);
+                        // onNavigateToFDCalculator?.();
+
+                        // Show error alert
+                        Alert.alert(
+                            'Warning',
+                            'Failed to terminate existing workflow, but continuing with new FD booking.',
+                            [{ text: 'OK' }]
+                        );
+                    }
+                }}
+            />
+
+            {/* Full-screen loader while Mahindra customer/application/details are being fetched
+                (for Mahindra-only pending flows). */}
+            {isLoadingMahindraCustomerDetails && (
+                <View style={styles.loadingOverlay} pointerEvents="auto">
+                    <ActivityIndicator size="large" color={colors.primary} />
+                </View>
+            )}
+        </SafeAreaWrapper>
+    );
+};
+
+const createStyles = (colors: ColorScheme, typography: any, spacing: any, themeName: ThemeName) => StyleSheet.create({
+    container: {
+        flex: 1,
+        backgroundColor: colors.surface,
+    },
+    customHeader: {
+        backgroundColor: colors.headerBg,
+        paddingTop: Platform.OS === 'ios' ? 50 : 20,
+        paddingBottom: spacing.md,
+        paddingHorizontal: spacing.lg,
+        flexDirection: 'row',
+        alignItems: 'center',
+    },
+    backButton: {
+        width: 40,
+        height: 40,
+        alignItems: 'center',
+        justifyContent: 'center',
+    },
+    backIcon: {
+        width: 24,
+        height: 24,
+        tintColor: colors.headerText,
+    },
+    headerContent: {
+        flex: 1,
+        alignItems: 'flex-start',
+        marginRight: 40, // Balance the back button width
+    },
+    headerTitle: {
+        ...typography.styles.h3,
+        color: colors.headerText,
+        marginBottom: spacing.xs,
+    },
+    poweredByContainer: {
+        flexDirection: 'row',
+        alignItems: 'center',
+    },
+    poweredByText: {
+        ...typography.styles.text10Regular,
+        color: colors.headerText,
+        opacity: 0.7,
+        marginRight: 0,
+    },
+    simplifyLogo: {
+        width: 70,
+        height: 20,
+    },
+    content: {
+        flex: 1,
+    },
+    section: {
+        paddingHorizontal: spacing.lg,
+        paddingTop: spacing.xl,
+    },
+    sectionTitle: {
+        ...typography.styles.h3,
+        color: colors.text,
+        marginBottom: spacing.lg,
+    },
+    activeFDCardSpacer: {
+        marginTop: spacing.md,
+    },
+    tabsContainer: {
+        paddingHorizontal: spacing.lg,
+        paddingTop: spacing.xxl,
+        paddingBottom: spacing.lg,
+    },
+    tabsRow: {
+        flexDirection: 'row',
+        justifyContent: 'space-around',
+        alignItems: 'center',
+    },
+    tab: {
+        flex: 1,
+        paddingHorizontal: spacing.sm,
+        paddingVertical: spacing.md,
+        marginHorizontal: 2,
+        borderBottomWidth: 3,
+        borderBottomColor: colors.surface,
+        borderBottomLeftRadius: 8,
+        borderBottomRightRadius: 8,
+        backgroundColor: 'transparent',
+    },
+    activeTab: {
+        borderBottomColor: colors.tabSelected,
+        backgroundColor: colors.background,
+        borderBottomLeftRadius: 12,
+        borderBottomRightRadius: 12,
+    },
+    tabText: {
+        ...typography.styles.text12Medium,
+        color: colors.textSecondary,
+        textAlign: 'center',
+    },
+    activeTabText: {
+        color: colors.tabSelected,
+        fontWeight: '600',
+        textAlign: 'center',
+    },
+    filterStatusContainer: {
+        paddingHorizontal: spacing.lg,
+        paddingVertical: spacing.sm,
+        backgroundColor: colors.background + '80', // 50% opacity
+        borderBottomWidth: 1,
+        borderBottomColor: colors.border + '20', // 20% opacity
+    },
+    filterStatusText: {
+        ...typography.styles.text12Regular,
+        color: colors.textSecondary,
+        textAlign: 'center',
+        fontStyle: 'italic',
+    },
+    fdOptionsContainer: {
+        paddingHorizontal: spacing.lg,
+        paddingBottom: spacing.xl,
+    },
+    // API Status Styles
+    apiStatusContainer: {
+        flexDirection: 'row',
+        justifyContent: 'space-between',
+        alignItems: 'center',
+        paddingHorizontal: spacing.lg,
+        paddingVertical: spacing.sm,
+        backgroundColor: colors.background,
+        borderBottomWidth: 1,
+        borderBottomColor: colors.border + '20', // 20% opacity
+    },
+    apiStatusIndicator: {
+        flexDirection: 'row',
+        alignItems: 'center',
+        flex: 1,
+    },
+    apiStatusText: {
+        ...typography.styles.text10Regular,
+        color: colors.textSecondary,
+        marginLeft: spacing.xs,
+    },
+    apiSuccessText: {
+        ...typography.styles.text10Regular,
+        color: colors.success,
+        marginLeft: spacing.xs,
+    },
+    apiErrorText: {
+        ...typography.styles.text10Regular,
+        color: colors.error,
+        marginLeft: spacing.xs,
+    },
+    refreshButton: {
+        paddingHorizontal: spacing.sm,
+        paddingVertical: spacing.xs,
+        backgroundColor: colors.primary + '20', // 20% opacity
+        borderRadius: spacing.xs,
+    },
+    refreshButtonText: {
+        ...typography.styles.text10Medium,
+        color: colors.primary,
+    },
+    noDataContainer: {
+        padding: spacing.lg,
+        alignItems: 'center',
+        justifyContent: 'center',
+        minHeight: 200,
+    },
+    noDataText: {
+        ...typography.styles.text14Regular,
+        color: colors.textSecondary,
+        textAlign: 'center',
+        lineHeight: 20,
+        marginBottom: spacing.md,
+    },
+    showAllButton: {
+        backgroundColor: colors.primary,
+        paddingHorizontal: spacing.lg,
+        paddingVertical: spacing.sm,
+        borderRadius: spacing.sm,
+        marginTop: spacing.md,
+    },
+    showAllButtonText: {
+        ...typography.styles.text14Medium,
+        color: colors.headerText,
+        textAlign: 'center',
+    },
+    loadingOverlay: {
+        position: 'absolute',
+        top: 0,
+        left: 0,
+        right: 0,
+        bottom: 0,
+        backgroundColor: 'rgba(0, 0, 0, 0.3)',
+        justifyContent: 'center',
+        alignItems: 'center',
+        zIndex: 1000,
+    },
+});
+
+export default FDList;