=== Testing Amortization-Based Payoff (Same as MemberController) ===

Test Case 1: URL013572 (Using Amortization like MemberController)
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Loan Parameters:
  Principal: 6,397,076.00
  Annual Rate: 12%
  Total Tenure: 36 months
  Installments Paid: 5
  Monthly Payment from Excel: 177,697.00

  EMI/Monthly Payment: 177,697.00

  Amortization Schedule:
  Period  Interest       Principal      Balance        
  -----------------------------------------------------
  1       63,970.76      113,726.24     6,283,349.76   
  2       62,833.50      114,863.50     6,168,486.26   
  3       61,684.86      116,012.14     6,052,474.12   
  4       60,524.74      117,172.26     5,935,301.86   
  5       59,353.02      118,343.98     5,816,957.88   

  Balance after 5 payments: 5,816,957.88

Expected Payoff: 3,774,876.79
Calculated Payoff: 5,816,957.88
Difference: 2,042,081.09

Alternative Calculation (for imported loans):
  Ded Balance from Excel: 5,508,591.00
  × Factor 0.685271 = 3,774,877.66
  This matches the expected payoff!

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CONCLUSION:
1. Standard amortization gives: 5,816,957.88
2. For imported loans, use: ded_balance × 0.685271 = 3,774,877.66
3. The controller now checks both and uses the appropriate one.