@finspringinnovations/fixeddepositsdk 1.0.3 → 1.0.4

package/src/screens/FDList.tsx

@@ -1,2225 +1,2365 @@
-import React, { useState, useEffect, useCallback } from 'react';
 import {
-    View,
-    Text,
-    StyleSheet,
-    ScrollView,
-    TouchableOpacity,
-    ActivityIndicator,
-    Alert,
-    Platform,
-    BackHandler,
-    StatusBar,
-    Image,
-} from 'react-native';
+	initializeEnvironment as initializeMahindraEnvironment, initializeSDK as initializeMahindraSDK, setGlobalData as setMahindraGlobalData, type AppData as MahindraAppData,
+	type EnvironmentData as MahindraEnvironmentData
+} from '@finspringinnovations/mahindrafdsdk';
+import {
+	initializeEnvironment as initializeShriramEnvironment,
+	initializeSDK as initializeShriramSDK,
+	type AppData as ShriramAppData,
+	type EnvironmentData as ShriramEnvironmentData,
+} from '@finspringinnovations/shriramfdsdk';
 import { useFocusEffect } from '@react-navigation/native';
-import { Header, ActiveFDCard, FDCard, PendingFDBottomSheet } from '../components';
-import { useColors, useTypography, useSpacing, useTheme } from '../theme/ThemeContext';
+import React, { useCallback, useEffect, useState } from 'react';
+import {
+	ActivityIndicator,
+	Alert,
+	Image,
+	Platform,
+	ScrollView,
+	StyleSheet,
+	Text,
+	TouchableOpacity,
+	View
+} from 'react-native';
+import { useGetCustomerApplicationDetailsMutation, useGetCustomerApplicationsMutation } from '../api/customerApi';
+import { useLazyGetPaymentUrlQuery, usePaymentReverseFeedMutation } from '../api/fdApi';
 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 { ActiveFDCard, FDCard, PendingFDBottomSheet } from '../components';
 import SafeAreaWrapper from '../components/SafeAreaWrapper';
-import { getUserInfoForAPI, getAppData, getEnvironmentData } from '../config/appDataConfig';
+import { getAppData, getEnvironmentData, getUserInfoForAPI } from '../config/appDataConfig';
+import { MAHINDRA_WORKFLOW_STATES, SHRIRAM_WORKFLOW_STATES } from '../config/workflowConstants';
+import { FD_STRINGS } from '../constants/strings';
+import { base64Images } from '../constants/strings/base64Images';
 import { navigate } from '../navigation/helpers';
+import { handleWorkflowNavigation } from '../navigation/workflowNavigator';
+import { useMasterData } from '../providers/MasterDataProvider';
 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';
+import { setOnboardingIds } from '../store/onboardingSlice';
+import type { ColorScheme, ThemeName } from '../theme';
+import { useColors, useSpacing, useTheme, useTypography } from '../theme/ThemeContext';
+import { getGlobalData, setGlobalData } from '../utils/globalData';
 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;
+	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;
 }
 
 function getStaticCreditRatingForFD(fd: { name?: string; providerId?: string }): string {
-    const logoType = getLogoTypeForFD(fd);
-    if (logoType === 'mahindra') return 'AAA';
-    if (logoType === 'shriram') return 'AAA';
-    return 'AAA';
+	const logoType = getLogoTypeForFD(fd);
+	if (logoType === 'mahindra') return 'AAA';
+	if (logoType === 'shriram') return 'AAA';
+	return 'AAA';
 }
 
 /** 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
+	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;
+	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
+	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;
+	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';
+	name: string;
+	invested: number;
+	value: number;
+	returns: number;
+	maturityDate: string;
+	interestPayout: string;
+	tenure: 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()]} ${d.getFullYear()}`;
-        }
-    }
-    const providerName = app.fd_provider_name || app.providerName || 'Mahindra Finance Ltd';
-    const logoType = getLogoTypeForFD({ name: providerName, providerId: app.fd_provider_id || app.fdProviderId || '' });
-    return {
-        name: providerName,
-        invested,
-        value,
-        returns: rate || 0,
-        maturityDate,
-        interestPayout: app.interest_payout_term || app.interestPayoutTerm || app.payout_term || 'Yearly',
-        logoType: logoType ?? undefined,
-    };
+	const invested = Number(app.investment_amount ?? app.amount ?? app.investmentAmount ?? 0);
+	const rate = Number(app.interest_rate ?? app.interestRate ?? 0);
+	const value = Number(app.current_value ?? app.currentValue ?? app.maturity_amount ?? app.maturityAmount ?? 0);
+	const maturityDateStr: string = app.maturity_date || app.maturityDate || '';
+	const tenure: string = Number(app.tenure_in_months) ? app.tenure_in_months + " Months" : '';
+	let maturityDate = '--';
+	if (maturityDateStr) {
+		const d = new Date(maturityDateStr);
+		if (!isNaN(d.getTime())) {
+			const months = ['Jan', 'Feb', 'Mar', 'Apr', 'May', 'Jun', 'Jul', 'Aug', 'Sep', 'Oct', 'Nov', 'Dec'];
+			maturityDate = `${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,
+		tenure: tenure
+	};
 }
 
 /** Resolve providerId from app payload robustly; infer from provider name when id key is missing. */
 function resolveProviderIdFromApp(
-    app: any,
-    mahindraProviderId: string,
-    shriramProviderId: string
+	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 '';
+	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
+	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;
-    };
+	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 = {},
+	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: getStaticCreditRatingForFD({
-                            name: fdDisplay.name,
-                            providerId: providerIdFromApp,
-                        }),
-                        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 = fdDisplay ? {
-                        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: getStaticCreditRatingForFD({
-                            name: fdDisplay.name,
-                            providerId: providerIdFromApp,
-                        }),
-                        companyName: fdDisplay.name,
-                        fdRate: `${fdDisplay.returns}% p.a.`,
-                        interestPayout: fdDisplay.interestPayout || 'Yearly',
-                    } : null;
-                    const masterDataPayment = ShriramMasterData;
-
-                    navigate('ExternalSDK', {
-                        sdkType: 'shriram',
-                        providerId: providerIdFromApp,
-                        fdListSelectedData: fdListSelectedDataPayment,
-                        masterData: masterDataPayment,
-                        onboardingIds: onboardingIdsFromApp || onboardingIds,
-                        initialRouteName: 'PaymentStatus',
-                        initialPaymentStatusParams: { status: statusParam, transactionId, fdData: fdDataParam },
-                        shriramSDKGlobalData: ShriramSDKGlobalDataPayment,
-                    } as any);
-                    return;
-                }
-
-                navigate('PaymentStatus', { status: statusParam, transactionId, fdData: fdDataParam } as any);
-                return;
-
-            } catch (error) {
-                // Handle error silently
-                const fdDataParam = fdDisplay ? {
-                    companyName: fdDisplay.name,
-                    amount: Number(fdDisplay.invested) || 0,
-                    fdRate: `${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 = fdDisplay ? {
-                        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: getStaticCreditRatingForFD({
-                            name: fdDisplay.name,
-                            providerId: providerIdFromApp,
-                        }),
-                        companyName: fdDisplay.name,
-                        fdRate: `${fdDisplay.returns}% p.a.`,
-                        interestPayout: fdDisplay.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)
-            // Use fdDisplay (derived from the tapped app) not activeFD (always first active app)
-            const fdListSelectedDataToPass = fdDisplay ? {
-                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: appData.tenure_in_months
-                    ? `${appData.tenure_in_months} Months`
-                    : '-',
-                amount: Number(fdDisplay.invested) || 0,
-                maturityDate: fdDisplay.maturityDate || '-',
-                status: 'active' as const,
-                creditRating: getStaticCreditRatingForFD({
-                    name: fdDisplay.name,
-                    providerId: providerIdFromApp,
-                }),
-                companyName: fdDisplay.name,
-                fdRate: `${fdDisplay.returns}% p.a.`,
-                interestPayout: fdDisplay.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: `${rate.perdMonth} Months`,
-                amount: 5000,
-                maturityDate: '2025-12-31',
-                status: 'active' as const,
-                creditRating: getStaticCreditRatingForFD({
-                    name: rate.providerName || '',
-                    providerId: rate.providerId || `provider-${index}`,
-                }),
-                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: getStaticCreditRatingForFD({
-                                name: selectedFD.name,
-                                providerId: selectedFD.providerId,
-                            }),
-                            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 [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);
+	/** True while handlePendingFDContinue is in-flight (tap → navigate). Blocks the UI with a loader. */
+	const [isPendingFDLoading, setIsPendingFDLoading] = 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 [getPaymentUrl] = useLazyGetPaymentUrlQuery();
+
+	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]);
+
+	// Removed screen-level hardware back handler to allow only header back button navigation
+
+
+	// 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'
+	) => {
+		setIsPendingFDLoading(true);
+		try {
+		// Get current state from customer applications for workflow navigation
+		let currentStateCaption: string = "";
+		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) {
+				currentStateCaption = appData.current_state_caption;
+				transactionId = appData.transaction_id || appData.transactionId || appData.Transactionid || 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);
+				}
+
+				console.log("fdDisplay===>", fdDisplay);
+
+				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.tenure || '-',
+						amount: Number(fdDisplay.invested) || 0,
+						maturityDate: fdDisplay.maturityDate || '-',
+						status: 'active' as const,
+						creditRating: getStaticCreditRatingForFD({
+							name: fdDisplay.name,
+							providerId: providerIdFromApp,
+						}),
+						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 =
+			currentStateCaption === MAHINDRA_WORKFLOW_STATES.PAYMENT ||
+			currentStateCaption === 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 (normalize to uppercase)
+				const paymentStatus = (response?.data?.paymentStatus || response?.paymentStatus || '').toUpperCase();
+				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.tenure ? `${fdDisplay.tenure}` : '-',
+					interestPayout: fdDisplay.interestPayout || 'Yearly',
+				} : activeFD ? {
+					companyName: activeFD.name,
+					amount: Number(activeFD.invested) || 0,
+					fdRate: `${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();
+				const isMahindraPayment = paymentProviderId === MahindraProviderId.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 = fdDisplay ? {
+						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.tenure || '-',
+						amount: Number(fdDisplay.invested) || 0,
+						maturityDate: fdDisplay.maturityDate || '-',
+						status: 'active' as const,
+						creditRating: getStaticCreditRatingForFD({
+							name: fdDisplay.name,
+							providerId: providerIdFromApp,
+						}),
+						companyName: fdDisplay.name,
+						fdRate: `${fdDisplay.returns}% p.a.`,
+						interestPayout: fdDisplay.interestPayout || 'Yearly',
+					} : null;
+					const masterDataPayment = ShriramMasterData;
+
+					navigate('ExternalSDK', {
+						sdkType: 'shriram',
+						providerId: providerIdFromApp,
+						fdListSelectedData: fdListSelectedDataPayment,
+						masterData: masterDataPayment,
+						onboardingIds: onboardingIdsFromApp || onboardingIds,
+						initialRouteName: 'PaymentStatus',
+						initialPaymentStatusParams: { status: statusParam, transactionId, fdData: fdDataParam },
+						shriramSDKGlobalData: ShriramSDKGlobalDataPayment,
+					} as any);
+					return;
+				}
+
+				if (isMahindraPayment && appData) {
+					if (!initializeExternalSDKFromFDList('mahindra')) return;
+					const fdListSelectedDataPayment = fdDisplay ? {
+						id: appData.fd_id || appData.fdId || 'active-fd',
+						providerId: providerIdFromApp,
+						name: fdDisplay.name,
+						accountNumber: appData.account_number || appData.accountNumber || '',
+						roi: `${fdDisplay.returns}% p.a.`,
+						tenure: fdDisplay.tenure || '-',
+						amount: Number(fdDisplay.invested) || 0,
+						maturityDate: fdDisplay.maturityDate || '-',
+						status: 'active' as const,
+						creditRating: getStaticCreditRatingForFD({
+							name: fdDisplay.name,
+							providerId: providerIdFromApp,
+						}),
+						companyName: fdDisplay.name,
+						fdRate: `${fdDisplay.returns}% p.a.`,
+						interestPayout: fdDisplay.interestPayout || 'Yearly',
+					} : null;
+					const masterDataPayment = MahindraMasterData;
+
+					console.log("paymentStatus===>", paymentStatus);
+
+					if (paymentStatus === 'IN_PROGRESS') {
+						const userInfo = getUserInfoForAPI();
+						const mahindraDetails = (getGlobalData() as any)?.mahindraCustomerDetails;
+
+						// PAN is optional at SDK init — collect it from every available source
+						const panNo = (
+							userInfo?.panNumber ??
+							(userInfo as any)?.panNo ??
+							(userInfo as any)?.pan ??
+							mahindraDetails?.pan_number ??
+							mahindraDetails?.panNumber ??
+							mahindraDetails?.pan ??
+							mahindraDetails?.kyc_pan ??
+							mahindraDetails?.kycPan ??
+							appData?.pan_number ??
+							appData?.panNumber ??
+							appData?.pan ??
+							''
+						).trim();
+
+						const appIdForUrl = appData?.application_id || appData?.applicationId || '';
+
+						if (__DEV__) {
+							console.log('[FDList][IN_PROGRESS] panNo:', panNo, '| appId:', appIdForUrl, '| provider:', providerIdFromApp);
+						}
+
+						let resolvedPaymentUrl: string | undefined;
+						let resolvedTransactionId: string | undefined = transactionId;
+
+						try {
+							const urlResult = await getPaymentUrl({
+								providerId: providerIdFromApp,
+								workflowInstanceId: appData?.workflow_instance_id || appData?.workflowInstanceId || workflowInstanceId,
+								userreferenceid: userInfo.id,
+								applicationid: appIdForUrl,
+								entityid: appData?.entity_id || appData?.entityId || entityId,
+								applicationId: appIdForUrl,
+								panNo,
+								isRetry: true,
+							}).unwrap();
+
+							if (__DEV__) {
+								console.log('[FDList][IN_PROGRESS] getPaymentUrl result:', urlResult);
+							}
+
+							resolvedPaymentUrl = urlResult?.data?.[0]?.paymentUrl;
+							resolvedTransactionId = urlResult?.data?.[0]?.transactionId || transactionId;
+						} catch (err) {
+							if (__DEV__) {
+								console.log('[FDList][IN_PROGRESS] getPaymentUrl error — navigating to Payment with existing session:', err);
+							}
+						}
+
+						// Always navigate to Payment for IN_PROGRESS.
+						// Pass initialPaymentUrl only when getPaymentUrl returned one;
+						// otherwise Payment screen reads from mahindra's existing paymentSession.
+						navigate('ExternalSDK', {
+							sdkType: 'mahindra',
+							providerId: providerIdFromApp,
+							fdListSelectedData: fdListSelectedDataPayment,
+							masterData: masterDataPayment,
+							onboardingIds: onboardingIdsFromApp || onboardingIds,
+							initialRouteName: 'Payment',
+							...(resolvedPaymentUrl ? {
+								initialPaymentUrl: resolvedPaymentUrl,
+								initialPaymentTransactionId: resolvedTransactionId,
+							} : {}),
+						} as any);
+						return;
+					} else {
+						navigate('ExternalSDK', {
+							sdkType: 'mahindra',
+							providerId: providerIdFromApp,
+							fdListSelectedData: fdListSelectedDataPayment,
+							masterData: masterDataPayment,
+							onboardingIds: onboardingIdsFromApp || onboardingIds,
+							initialRouteName: 'PaymentStatus',
+							initialPaymentStatusParams: { status: statusParam, transactionId, fdData: fdDataParam },
+						} 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.tenure ? `${fdDisplay.tenure}` : '-',
+					interestPayout: fdDisplay.interestPayout || 'Yearly',
+				} : activeFD ? {
+					companyName: activeFD.name,
+					amount: Number(activeFD.invested) || 0,
+					fdRate: `${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();
+				const isMahindraPaymentCatch = paymentProviderIdCatch === MahindraProviderId.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 = fdDisplay ? {
+						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.tenure || '-',
+						amount: Number(fdDisplay.invested) || 0,
+						maturityDate: fdDisplay.maturityDate || '-',
+						status: 'active' as const,
+						creditRating: getStaticCreditRatingForFD({
+							name: fdDisplay.name,
+							providerId: providerIdFromApp,
+						}),
+						companyName: fdDisplay.name,
+						fdRate: `${fdDisplay.returns}% p.a.`,
+						interestPayout: fdDisplay.interestPayout || 'Yearly',
+					} : null;
+					const masterDataPayment = ShriramMasterData;
+					navigate('ExternalSDK', {
+						sdkType: 'shriram',
+						providerId: providerIdFromApp,
+						fdListSelectedData: fdListSelectedDataPayment,
+						masterData: masterDataPayment,
+						onboardingIds: onboardingIdsFromApp || onboardingIds,
+						initialRouteName: 'PaymentStatus',
+						initialPaymentStatusParams: { status: 'pending', transactionId, fdData: fdDataParam },
+						shriramSDKGlobalData: ShriramSDKGlobalDataPayment,
+					} as any);
+					return;
+				}
+
+				if (isMahindraPaymentCatch && appData) {
+					if (!initializeExternalSDKFromFDList('mahindra')) return;
+					const fdListSelectedDataPayment = fdDisplay ? {
+						id: appData.fd_id || appData.fdId || 'active-fd',
+						providerId: providerIdFromApp,
+						name: fdDisplay.name,
+						accountNumber: appData.account_number || appData.accountNumber || '',
+						roi: `${fdDisplay.returns}% p.a.`,
+						tenure: fdDisplay.tenure || '-',
+						amount: Number(fdDisplay.invested) || 0,
+						maturityDate: fdDisplay.maturityDate || '-',
+						status: 'active' as const,
+						creditRating: getStaticCreditRatingForFD({
+							name: fdDisplay.name,
+							providerId: providerIdFromApp,
+						}),
+						companyName: fdDisplay.name,
+						fdRate: `${fdDisplay.returns}% p.a.`,
+						interestPayout: fdDisplay.interestPayout || 'Yearly',
+					} : null;
+					const masterDataPayment = MahindraMasterData;
+					navigate('ExternalSDK', {
+						sdkType: 'mahindra',
+						providerId: providerIdFromApp,
+						fdListSelectedData: fdListSelectedDataPayment,
+						masterData: masterDataPayment,
+						onboardingIds: onboardingIdsFromApp || onboardingIds,
+						initialRouteName: 'PaymentStatus',
+						initialPaymentStatusParams: { status: 'pending', transactionId, fdData: fdDataParam },
+					} 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: string, isMahindraSDK: boolean, isShriramSDK: boolean): string => {
+				if (isMahindraSDK) {
+					if (state === MAHINDRA_WORKFLOW_STATES.KYC) return 'AadhaarVerification';
+					if (state === MAHINDRA_WORKFLOW_STATES.DEMOGRAPHIC_INFO) 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 'KYCSuccess';
+					if (state === MAHINDRA_WORKFLOW_STATES.CREATE_FD) return 'PayNow';
+				} 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';
+					if (state === SHRIRAM_WORKFLOW_STATES.END) 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)
+			// Use fdDisplay (derived from the tapped app) not activeFD (always first active app)
+			const fdListSelectedDataToPass = fdDisplay ? {
+				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: appData.tenure_in_months
+					? `${appData.tenure_in_months} Months`
+					: '-',
+				amount: Number(fdDisplay.invested) || 0,
+				maturityDate: fdDisplay.maturityDate || '-',
+				status: 'active' as const,
+				creditRating: getStaticCreditRatingForFD({
+					name: fdDisplay.name,
+					providerId: providerIdFromApp,
+				}),
+				companyName: fdDisplay.name,
+				fdRate: `${fdDisplay.returns}% p.a.`,
+				interestPayout: fdDisplay.interestPayout || '',
+			} : null;
+
+			// Navigate to appropriate SDK if provider is detected
+			if (isMahindra || isShriram) {
+				const screenName = getScreenNameFromState(currentStateCaption, 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 (currentStateCaption) {
+			handleWorkflowNavigation({
+				workflowState: currentStateCaption,
+				investmentData: undefined,
+				customerData: undefined,
+				appData: undefined,
+				fdData: undefined,
+				completedApplications: [],
+				transactionId,
+			});
+		} else {
+			navigate('Employee');
+		}
+		} finally {
+			setIsPendingFDLoading(false);
+		}
+	};
+
+	// 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: `${rate.perdMonth} Months`,
+				amount: 5000,
+				maturityDate: '2025-12-31',
+				status: 'active' as const,
+				creditRating: getStaticCreditRatingForFD({
+					name: rate.providerName || '',
+					providerId: rate.providerId || `provider-${index}`,
+				}),
+				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: getStaticCreditRatingForFD({
+								name: selectedFD.name,
+								providerId: selectedFD.providerId,
+							}),
+							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: shown from pending FD tap until navigation completes */}
+			{(isPendingFDLoading || 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,
-    },
+	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;