Update app/services/pdf_service.py

app/services/pdf_service.py

@@ -1,323 +1,267 @@
-"""
-PDF service for generating loan sanction letters.
-Uses ReportLab to create professional PDF documents.
-"""
-
-import os
-from datetime import datetime, timedelta
-from typing import Any, Dict
-
-from app.config import settings
-from app.utils.logger import default_logger as logger
-from reportlab.lib import colors
-from reportlab.lib.pagesizes import A4, letter
-from reportlab.lib.styles import ParagraphStyle, getSampleStyleSheet
-from reportlab.lib.units import inch
-from reportlab.platypus import (
-    Paragraph,
-    SimpleDocTemplate,
-    Spacer,
-    Table,
-    TableStyle,
-)
-
-
-class PdfService:
-    """Service for generating loan sanction letter PDFs."""
-
-    def __init__(self):
-        """Initialize PDF service with output directory."""
-        self.output_dir = settings.PDF_OUTPUT_DIR
-        self.validity_days = settings.PDF_VALIDITY_DAYS
-
-        # Create output directory if it doesn't exist
-        os.makedirs(self.output_dir, exist_ok=True)
-
-    def generate_sanction_letter(self, loan_data: Dict[str, Any]) -> Dict[str, str]:
-        """
-        Generate a professional sanction letter PDF.
-
-        Args:
-            loan_data: Loan application data with all details
-
-        Returns:
-            Dictionary with pdf_path and pdf_url
-        """
-        try:
-            loan_id = loan_data.get("loan_id", "unknown")
-            filename = f"{loan_id}.pdf"
-            filepath = os.path.join(self.output_dir, filename)
-
-            # Create PDF document
-            doc = SimpleDocTemplate(
-                filepath,
-                pagesize=A4,
-                rightMargin=0.75 * inch,
-                leftMargin=0.75 * inch,
-                topMargin=1 * inch,
-                bottomMargin=0.75 * inch,
-            )
-
-            # Build content
-            elements = []
-            styles = getSampleStyleSheet()
-
-            # Custom styles
-            title_style = ParagraphStyle(
-                "CustomTitle",
-                parent=styles["Heading1"],
-                fontSize=20,
-                textColor=colors.HexColor("#10b981"),
-                spaceAfter=30,
-                alignment=1,  # Center
-                fontName="Helvetica-Bold",
-            )
-
-            heading_style = ParagraphStyle(
-                "CustomHeading",
-                parent=styles["Heading2"],
-                fontSize=14,
-                textColor=colors.HexColor("#1f2937"),
-                spaceAfter=12,
-                fontName="Helvetica-Bold",
-            )
-
-            normal_style = ParagraphStyle(
-                "CustomNormal",
-                parent=styles["Normal"],
-                fontSize=11,
-                textColor=colors.HexColor("#374151"),
-                spaceAfter=8,
-            )
-
-            # Header
-            elements.append(Paragraph("FinAgent", title_style))
-            elements.append(Paragraph("Personal Loan Sanction Letter", heading_style))
-            elements.append(Spacer(1, 0.2 * inch))
-
-            # Reference details
-            sanction_date = datetime.utcnow()
-            validity_date = sanction_date + timedelta(days=self.validity_days)
-
-            ref_data = [
-                ["Sanction Reference No:", loan_id],
-                ["Sanction Date:", sanction_date.strftime("%B %d, %Y")],
-                [
-                    "Validity Date:",
-                    validity_date.strftime("%B %d, %Y")
-                    + f" ({self.validity_days} days)",
-                ],
-            ]
-
-            ref_table = Table(ref_data, colWidths=[2.5 * inch, 3.5 * inch])
-            ref_table.setStyle(
-                TableStyle(
-                    [
-                        ("FONTNAME", (0, 0), (0, -1), "Helvetica-Bold"),
-                        ("FONTNAME", (1, 0), (1, -1), "Helvetica"),
-                        ("FONTSIZE", (0, 0), (-1, -1), 10),
-                        ("TEXTCOLOR", (0, 0), (-1, -1), colors.HexColor("#374151")),
-                        ("VALIGN", (0, 0), (-1, -1), "MIDDLE"),
-                        ("BOTTOMPADDING", (0, 0), (-1, -1), 8),
-                    ]
-                )
-            )
-            elements.append(ref_table)
-            elements.append(Spacer(1, 0.3 * inch))
-
-            # Applicant details
-            elements.append(Paragraph("Applicant Details", heading_style))
-
-            user_id = loan_data.get("user_id", "N/A")
-            full_name = loan_data.get("full_name", "Valued Customer")
-
-            applicant_data = [
-                ["Applicant Name:", full_name],
-                ["Customer ID:", user_id],
-            ]
-
-            applicant_table = Table(applicant_data, colWidths=[2.5 * inch, 3.5 * inch])
-            applicant_table.setStyle(
-                TableStyle(
-                    [
-                        ("FONTNAME", (0, 0), (0, -1), "Helvetica-Bold"),
-                        ("FONTNAME", (1, 0), (1, -1), "Helvetica"),
-                        ("FONTSIZE", (0, 0), (-1, -1), 10),
-                        ("TEXTCOLOR", (0, 0), (-1, -1), colors.HexColor("#374151")),
-                        ("VALIGN", (0, 0), (-1, -1), "MIDDLE"),
-                        ("BOTTOMPADDING", (0, 0), (-1, -1), 8),
-                    ]
-                )
-            )
-            elements.append(applicant_table)
-            elements.append(Spacer(1, 0.3 * inch))
-
-            # Loan details
-            elements.append(Paragraph("Loan Sanction Details", heading_style))
-
-            approved_amount = loan_data.get("approved_amount", 0)
-            tenure = loan_data.get("tenure_months", 0)
-            emi = loan_data.get("emi", 0)
-            interest_rate = loan_data.get("interest_rate", 0)
-            total_payable = loan_data.get("total_payable", emi * tenure)
-            processing_fee = loan_data.get("processing_fee", approved_amount * 0.02)
-
-            loan_details_data = [
-                ["Sanctioned Amount:", f"₹ {approved_amount:,.2f}"],
-                [
-                    "Tenure:",
-                    f"{tenure} months ({tenure // 12} years {tenure % 12} months)",
-                ],
-                ["Interest Rate:", f"{interest_rate}% per annum"],
-                ["Monthly EMI:", f"₹ {emi:,.2f}"],
-                ["Total Amount Payable:", f"₹ {total_payable:,.2f}"],
-                ["Processing Fee (2%):", f"₹ {processing_fee:,.2f}"],
-                ["Risk Band:", loan_data.get("risk_band", "N/A")],
-            ]
-
-            loan_table = Table(loan_details_data, colWidths=[2.5 * inch, 3.5 * inch])
-            loan_table.setStyle(
-                TableStyle(
-                    [
-                        ("FONTNAME", (0, 0), (0, -1), "Helvetica-Bold"),
-                        ("FONTNAME", (1, 0), (1, -1), "Helvetica"),
-                        ("FONTSIZE", (0, 0), (-1, -1), 10),
-                        ("TEXTCOLOR", (0, 0), (-1, -1), colors.HexColor("#374151")),
-                        ("VALIGN", (0, 0), (-1, -1), "MIDDLE"),
-                        ("BOTTOMPADDING", (0, 0), (-1, -1), 8),
-                        ("BACKGROUND", (0, -2), (-1, -2), colors.HexColor("#f3f4f6")),
-                    ]
-                )
-            )
-            elements.append(loan_table)
-            elements.append(Spacer(1, 0.3 * inch))
-
-            # Terms and conditions
-            elements.append(Paragraph("Terms & Conditions", heading_style))
-
-            terms = [
-                "This sanction is valid for {} days from the date of issue.".format(
-                    self.validity_days
-                ),
-                "The loan is subject to verification of all documents submitted.",
-                "Processing fee is non-refundable and payable upfront.",
-                "EMI will be deducted on the same date every month.",
-                "Prepayment charges may apply as per loan agreement.",
-                "Interest rate is fixed for the entire tenure of the loan.",
-                "This is a system-generated sanction letter and is valid without signature.",
-            ]
-
-            for i, term in enumerate(terms, 1):
-                term_text = f"{i}. {term}"
-                elements.append(Paragraph(term_text, normal_style))
-
-            elements.append(Spacer(1, 0.3 * inch))
-
-            # Next steps
-            elements.append(Paragraph("Next Steps", heading_style))
-            next_steps_text = """
-            Please submit the following documents to complete your loan processing:
-            <br/>• PAN Card<br/>
-            • Aadhaar Card<br/>
-            • Last 3 months salary slips<br/>
-            • Last 6 months bank statements<br/>
-            • Address proof<br/>
-            <br/>
-            Our loan officer will contact you within 2 business days to guide you through the documentation process.
-            """
-            elements.append(Paragraph(next_steps_text, normal_style))
-            elements.append(Spacer(1, 0.3 * inch))
-
-            # Footer
-            footer_style = ParagraphStyle(
-                "Footer",
-                parent=styles["Normal"],
-                fontSize=9,
-                textColor=colors.HexColor("#6b7280"),
-                alignment=1,  # Center
-            )
-
-            elements.append(Spacer(1, 0.5 * inch))
-            elements.append(
-                Paragraph(
-                    "This is a system-generated document and does not require a signature.",
-                    footer_style,
-                )
-            )
-            elements.append(
-                Paragraph(
-                    "For queries, contact us at support@finagent.com | +91-1800-XXX-XXXX",
-                    footer_style,
-                )
-            )
-            elements.append(
-                Paragraph(
-                    f"Generated on {datetime.utcnow().strftime('%B %d, %Y at %H:%M UTC')}",
-                    footer_style,
-                )
-            )
-
-            # Build PDF
-            doc.build(elements)
-
-            # Generate URL (in production, this would be a cloud storage URL)
-            pdf_url = f"/api/loan/{loan_id}/sanction-pdf"
-
-            logger.info(f"Generated sanction letter PDF: {filepath}")
-
-            return {"pdf_path": filepath, "pdf_url": pdf_url}
-
-        except Exception as e:
-            logger.error(f"Error generating PDF: {str(e)}")
-            raise
-
-    def get_pdf_path(self, loan_id: str) -> str:
-        """
-        Get the file path for a sanction letter PDF.
-
-        Args:
-            loan_id: Loan application ID
-
-        Returns:
-            Full file path to the PDF
-        """
-        filename = f"{loan_id}.pdf"
-        return os.path.join(self.output_dir, filename)
-
-    def pdf_exists(self, loan_id: str) -> bool:
-        """
-        Check if a sanction letter PDF exists.
-
-        Args:
-            loan_id: Loan application ID
-
-        Returns:
-            True if PDF exists, False otherwise
-        """
-        filepath = self.get_pdf_path(loan_id)
-        return os.path.exists(filepath)
-
-    def delete_pdf(self, loan_id: str) -> bool:
-        """
-        Delete a sanction letter PDF.
-
-        Args:
-            loan_id: Loan application ID
-
-        Returns:
-            True if deleted successfully, False otherwise
-        """
-        try:
-            filepath = self.get_pdf_path(loan_id)
-            if os.path.exists(filepath):
-                os.remove(filepath)
-                logger.info(f"Deleted PDF: {filepath}")
-                return True
-            return False
-        except Exception as e:
-            logger.error(f"Error deleting PDF: {str(e)}")
-            return False
-
-
-# Singleton instance
-pdf_service = PdfService()
+"""
+PDF Service for generating professional sanction letters.
+"""
+
+import os
+from datetime import datetime, timedelta
+from typing import Optional
+
+from reportlab.lib import colors
+from reportlab.lib.pagesizes import A4, letter
+from reportlab.lib.styles import ParagraphStyle, getSampleStyleSheet
+from reportlab.lib.units import inch
+from reportlab.platypus import (
+    Paragraph,
+    SimpleDocTemplate,
+    Spacer,
+    Table,
+    TableStyle,
+)
+
+from app.config import settings
+from app.utils.logger import setup_logger
+
+logger = setup_logger("pdf_service")
+
+
+class PDFService:
+    """Service for generating loan sanction letters."""
+
+    def __init__(self):
+        """Initialize PDF service."""
+        self.output_dir = settings.PDF_OUTPUT_DIR
+        os.makedirs(self.output_dir, exist_ok=True)
+
+    def generate_sanction_letter(
+        self,
+        loan_id: str,
+        user_name: str,
+        loan_amount: float,
+        tenure_months: int,
+        emi: float,
+        interest_rate: float,
+        risk_band: str = "A",
+    ) -> str:
+        """
+        Generate professional sanction letter PDF.
+        
+        Args:
+            loan_id: Unique loan identifier
+            user_name: Borrower's full name
+            loan_amount: Approved loan amount
+            tenure_months: Loan tenure in months
+            emi: Monthly EMI amount
+            interest_rate: Annual interest rate
+            risk_band: Risk classification (A/B/C)
+            
+        Returns:
+            Path to generated PDF file
+        """
+        try:
+            logger.info(f"Generating sanction letter for loan {loan_id}")
+            
+            # Create filename
+            filename = f"sanction_{loan_id}_{datetime.now().strftime('%Y%m%d')}.pdf"
+            filepath = os.path.join(self.output_dir, filename)
+            
+            # Create PDF document
+            doc = SimpleDocTemplate(
+                filepath,
+                pagesize=A4,
+                rightMargin=72,
+                leftMargin=72,
+                topMargin=72,
+                bottomMargin=72,
+            )
+            
+            # Build PDF content
+            story = []
+            styles = getSampleStyleSheet()
+            
+            # Custom styles
+            title_style = ParagraphStyle(
+                'CustomTitle',
+                parent=styles['Heading1'],
+                fontSize=24,
+                textColor=colors.HexColor('#1a1a1a'),
+                spaceAfter=30,
+                alignment=1,  # Center
+                fontName='Helvetica-Bold'
+            )
+            
+            heading_style = ParagraphStyle(
+                'CustomHeading',
+                parent=styles['Heading2'],
+                fontSize=14,
+                textColor=colors.HexColor('#2c5aa0'),
+                spaceAfter=12,
+                fontName='Helvetica-Bold'
+            )
+            
+            body_style = ParagraphStyle(
+                'CustomBody',
+                parent=styles['Normal'],
+                fontSize=11,
+                textColor=colors.HexColor('#333333'),
+                spaceAfter=12,
+                leading=16
+            )
+            
+            # Header with logo placeholder
+            story.append(Spacer(1, 0.5 * inch))
+            
+            # Company name/logo
+            company_name = Paragraph(
+                "<b>FinAgent</b><br/>Personal Loan Division",
+                ParagraphStyle('Company', parent=styles['Normal'], fontSize=16, textColor=colors.HexColor('#2c5aa0'), alignment=1)
+            )
+            story.append(company_name)
+            story.append(Spacer(1, 0.3 * inch))
+            
+            # Title
+            title = Paragraph("LOAN SANCTION LETTER", title_style)
+            story.append(title)
+            story.append(Spacer(1, 0.3 * inch))
+            
+            # Date and Reference
+            current_date = datetime.now().strftime("%B %d, %Y")
+            validity_date = (datetime.now() + timedelta(days=settings.PDF_VALIDITY_DAYS)).strftime("%B %d, %Y")
+            
+            ref_data = [
+                ["Reference No:", loan_id],
+                ["Date:", current_date],
+                ["Valid Until:", validity_date],
+            ]
+            
+            ref_table = Table(ref_data, colWidths=[2*inch, 4*inch])
+            ref_table.setStyle(TableStyle([
+                ('FONTNAME', (0, 0), (0, -1), 'Helvetica-Bold'),
+                ('FONTSIZE', (0, 0), (-1, -1), 10),
+                ('TEXTCOLOR', (0, 0), (-1, -1), colors.HexColor('#333333')),
+                ('ALIGN', (0, 0), (-1, -1), 'LEFT'),
+                ('VALIGN', (0, 0), (-1, -1), 'MIDDLE'),
+            ]))
+            
+            story.append(ref_table)
+            story.append(Spacer(1, 0.4 * inch))
+            
+            # Addressee
+            addressee = Paragraph(f"Dear <b>{user_name}</b>,", body_style)
+            story.append(addressee)
+            story.append(Spacer(1, 0.2 * inch))
+            
+            # Congratulations message
+            congrats = Paragraph(
+                "We are pleased to inform you that your personal loan application has been <b>APPROVED</b>. "
+                "We congratulate you on this milestone and look forward to serving your financial needs.",
+                body_style
+            )
+            story.append(congrats)
+            story.append(Spacer(1, 0.3 * inch))
+            
+            # Loan Details Section
+            heading = Paragraph("Loan Sanction Details", heading_style)
+            story.append(heading)
+            
+            # Calculate total amounts
+            total_payable = emi * tenure_months
+            processing_fee = loan_amount * 0.02  # 2% processing fee
+            
+            # Loan details table
+            loan_data = [
+                ["Loan Amount Sanctioned", f"₹{loan_amount:,.2f}"],
+                ["Loan Tenure", f"{tenure_months} months ({tenure_months//12} years {tenure_months%12} months)"],
+                ["Interest Rate (Annual)", f"{interest_rate}% p.a."],
+                ["Monthly EMI", f"₹{emi:,.2f}"],
+                ["Total Amount Payable", f"₹{total_payable:,.2f}"],
+                ["Processing Fee (2%)", f"₹{processing_fee:,.2f}"],
+                ["Risk Classification", risk_band],
+            ]
+            
+            loan_table = Table(loan_data, colWidths=[3*inch, 3*inch])
+            loan_table.setStyle(TableStyle([
+                ('BACKGROUND', (0, 0), (-1, 0), colors.HexColor('#f0f0f0')),
+                ('TEXTCOLOR', (0, 0), (-1, -1), colors.HexColor('#333333')),
+                ('ALIGN', (0, 0), (-1, -1), 'LEFT'),
+                ('FONTNAME', (0, 0), (0, -1), 'Helvetica-Bold'),
+                ('FONTNAME', (1, 0), (1, -1), 'Helvetica'),
+                ('FONTSIZE', (0, 0), (-1, -1), 11),
+                ('GRID', (0, 0), (-1, -1), 1, colors.HexColor('#cccccc')),
+                ('VALIGN', (0, 0), (-1, -1), 'MIDDLE'),
+                ('ROWBACKGROUNDS', (0, 0), (-1, -1), [colors.white, colors.HexColor('#fafafa')]),
+                ('LEFTPADDING', (0, 0), (-1, -1), 12),
+                ('RIGHTPADDING', (0, 0), (-1, -1), 12),
+                ('TOPPADDING', (0, 0), (-1, -1), 10),
+                ('BOTTOMPADDING', (0, 0), (-1, -1), 10),
+            ]))
+            
+            story.append(loan_table)
+            story.append(Spacer(1, 0.3 * inch))
+            
+            # Terms and Conditions
+            terms_heading = Paragraph("Terms and Conditions", heading_style)
+            story.append(terms_heading)
+            
+            terms = [
+                "This sanction is valid for 7 days from the date of issue.",
+                "The loan is subject to verification of all submitted documents.",
+                "Processing fee of 2% (non-refundable) will be deducted from the loan amount.",
+                "EMI will be auto-debited from your registered bank account on the 5th of every month.",
+                "Prepayment is allowed after 6 months with no prepayment charges.",
+                "Late payment charges of ₹500 per month will apply for delayed EMI payments.",
+                "This is a system-generated letter and does not require a physical signature.",
+            ]
+            
+            for i, term in enumerate(terms, 1):
+                term_text = Paragraph(f"{i}. {term}", body_style)
+                story.append(term_text)
+            
+            story.append(Spacer(1, 0.3 * inch))
+            
+            # Next Steps
+            next_steps_heading = Paragraph("Next Steps", heading_style)
+            story.append(next_steps_heading)
+            
+            next_steps = Paragraph(
+                "Please visit your nearest FinAgent branch with the following documents within 7 days:<br/>"
+                "• Original ID proof (Aadhaar/PAN/Passport)<br/>"
+                "• Bank statements (last 6 months)<br/>"
+                "• Salary slips (last 3 months)<br/>"
+                "• This sanction letter<br/><br/>"
+                "Our team will verify your documents and disburse the loan within 24 hours of successful verification.",
+                body_style
+            )
+            story.append(next_steps)
+            story.append(Spacer(1, 0.4 * inch))
+            
+            # Closing
+            closing = Paragraph(
+                "Thank you for choosing FinAgent. We wish you success in your financial journey!<br/><br/>"
+                "Warm regards,<br/>"
+                "<b>FinAgent Loan Processing Team</b><br/>"
+                "Email: loans@finagent.com | Phone: 1800-123-4567",
+                body_style
+            )
+            story.append(closing)
+            
+            # Footer
+            story.append(Spacer(1, 0.5 * inch))
+            footer = Paragraph(
+                "<i>This is a computer-generated document and does not require a signature.</i>",
+                ParagraphStyle('Footer', parent=styles['Normal'], fontSize=8, textColor=colors.grey, alignment=1)
+            )
+            story.append(footer)
+            
+            # Build PDF
+            doc.build(story)
+            
+            logger.info(f"Generated sanction letter: {filepath}")
+            return filepath
+            
+        except Exception as e:
+            logger.error(f"Error generating PDF: {str(e)}", exc_info=True)
+            raise
+
+
+# Global instance
+pdf_service = PDFService()