added new email templates to cover scenerios in detail way

src/__tests__/external-integrations.test.ts

@@ -0,0 +1,271 @@
+/**
+ * @file external-integrations.test.ts
+ * @description Contract/mock tests for all external integrations.
+ * These tests validate the SHAPE and BEHAVIOUR of each mock so that
+ * when real APIs are wired, only the mock needs to be swapped.
+ *
+ * Integrations covered:
+ *  1. SAP OData — Dealer Code generation (mockGenerateSapCodes, mockSyncDealerStatusToSap)
+ *  2. Google Calendar — Interview invite scheduling (mockScheduleMeeting)
+ *  3. WhatsApp — Notification delivery (mockSendWhatsApp)
+ *  4. Gemini AI — Panel evaluation summary (mockGenerateAiSummary)
+ *
+ * SRS Coverage:
+ *  §6.17.3.1 — SAP OData API for Sales/Service/GMA/Gear codes
+ *  §6.9.2    — Google Calendar invites for all participants
+ *  §1.1.1    — WhatsApp as supported notification channel
+ *  §6.10.4   — AI-assisted recommendation via Gemini API
+ */
+
+import { ExternalMocksService } from '../common/utils/externalMocks.service.js';
+
+// ─── 1. SAP Dealer Code Generation ───────────────────────────────────────────
+
+describe('SAP Mock — Dealer Code Generation (SRS §6.17.3.1)', () => {
+  it('TC-SAP-01: returns success=true', async () => {
+    const result = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(result.success).toBe(true);
+  });
+
+  it('TC-SAP-02: returns salesCode in SLS-XXXX format', async () => {
+    const { data } = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(data.salesCode).toMatch(/^SLS-\d{4}$/);
+  });
+
+  it('TC-SAP-03: returns serviceCode in SRV-XXXX format', async () => {
+    const { data } = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(data.serviceCode).toMatch(/^SRV-\d{4}$/);
+  });
+
+  it('TC-SAP-04: returns gmaCode in GMA-XXXX format (Genuine Motorcycle Accessories)', async () => {
+    const { data } = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(data.gmaCode).toMatch(/^GMA-\d{4}$/);
+  });
+
+  it('TC-SAP-05: returns gearCode in GER-XXXX format', async () => {
+    const { data } = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(data.gearCode).toMatch(/^GER-\d{4}$/);
+  });
+
+  it('TC-SAP-06: returns a non-empty sapMasterId', async () => {
+    const { data } = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(data.sapMasterId).toBeTruthy();
+    expect(typeof data.sapMasterId).toBe('string');
+  });
+
+  it('TC-SAP-07: each call generates unique codes (no collisions)', async () => {
+    const r1 = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    const r2 = await ExternalMocksService.mockGenerateSapCodes('app-002');
+    // Codes are random; while collision is statistically possible, sapMasterIds must differ
+    expect(r1.data.sapMasterId).not.toBe(r2.data.sapMasterId);
+  });
+
+  it('TC-SAP-08: returns all 4 code types in a single call (no missing fields)', async () => {
+    const { data } = await ExternalMocksService.mockGenerateSapCodes('app-001');
+    expect(data).toHaveProperty('salesCode');
+    expect(data).toHaveProperty('serviceCode');
+    expect(data).toHaveProperty('gmaCode');
+    expect(data).toHaveProperty('gearCode');
+    expect(data).toHaveProperty('sapMasterId');
+  });
+});
+
+// ─── SAP Status Sync ─────────────────────────────────────────────────────────
+
+describe('SAP Mock — Dealer Status Synchronization', () => {
+  it('TC-SAP-09: mockSyncDealerStatusToSap returns success=true', async () => {
+    const result = await ExternalMocksService.mockSyncDealerStatusToSap('SLS-1234', 'Active');
+    expect(result.success).toBe(true);
+  });
+
+  it('TC-SAP-10: sync result includes a sapTransactionId and ISO timestamp', async () => {
+    const result = await ExternalMocksService.mockSyncDealerStatusToSap('SLS-1234', 'Terminated');
+    expect(result.sapTransactionId).toMatch(/^SAP-TX-/);
+    expect(new Date(result.timestamp).toISOString()).toBe(result.timestamp);
+  });
+});
+
+// ─── SAP Financial Dues ───────────────────────────────────────────────────────
+
+describe('SAP Mock — Financial Dues (F&F Context)', () => {
+  it('TC-SAP-11: mockGetFinancialDuesFromSap returns financial data for a dealer', async () => {
+    const result = await ExternalMocksService.mockGetFinancialDuesFromSap('SLS-5678');
+    expect(result.success).toBe(true);
+    expect(result.data).toHaveProperty('outstandingInvoices');
+    expect(result.data).toHaveProperty('securityDeposit');
+    expect(result.data).toHaveProperty('creditLimit');
+    expect(result.data).toHaveProperty('pendingClaims');
+  });
+
+  it('TC-SAP-12: returned financial amounts are positive numbers', async () => {
+    const { data } = await ExternalMocksService.mockGetFinancialDuesFromSap('SLS-5678');
+    expect(data.securityDeposit).toBeGreaterThan(0);
+    expect(data.creditLimit).toBeGreaterThan(0);
+  });
+});
+
+// ─── 2. Google Calendar Mock ──────────────────────────────────────────────────
+
+describe('Google Calendar Mock — Interview Scheduling (SRS §6.9.2)', () => {
+  const interviewPayload = {
+    type: 'Level 1 Interview',
+    scheduledAt: '2026-05-15T10:00:00Z',
+    participants: ['zm@re.com', 'rbm@re.com', 'applicant@gmail.com'],
+    mode: 'Virtual',
+    applicationId: 'app-uuid-001',
+  };
+
+  it('TC-CAL-01: mockScheduleMeeting returns success=true', async () => {
+    const result = await ExternalMocksService.mockScheduleMeeting(interviewPayload);
+    expect(result.success).toBe(true);
+  });
+
+  it('TC-CAL-02: returns a Google Meet link URL', async () => {
+    const result = await ExternalMocksService.mockScheduleMeeting(interviewPayload);
+    expect(result.meetLink).toContain('meet.google.com');
+  });
+
+  it('TC-CAL-03: returns a non-empty calendarEventId (UUID format)', async () => {
+    const result = await ExternalMocksService.mockScheduleMeeting(interviewPayload);
+    expect(result.calendarEventId).toMatch(
+      /^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}$/i
+    );
+  });
+
+  it('TC-CAL-04: each scheduling call returns a unique meetLink (no duplicate links)', async () => {
+    const r1 = await ExternalMocksService.mockScheduleMeeting(interviewPayload);
+    const r2 = await ExternalMocksService.mockScheduleMeeting({ ...interviewPayload, type: 'Level 2 Interview' });
+    expect(r1.meetLink).not.toBe(r2.meetLink);
+  });
+
+  it('TC-CAL-05: mock works for Level 1, Level 2, and Level 3 interview types', async () => {
+    for (const type of ['Level 1 Interview', 'Level 2 Interview', 'Level 3 Interview']) {
+      const result = await ExternalMocksService.mockScheduleMeeting({ ...interviewPayload, type });
+      expect(result.success).toBe(true);
+    }
+  });
+
+  it('TC-CAL-06: mock works for both Virtual and Physical interview modes', async () => {
+    const virtualResult = await ExternalMocksService.mockScheduleMeeting({ ...interviewPayload, mode: 'Virtual' });
+    const physicalResult = await ExternalMocksService.mockScheduleMeeting({ ...interviewPayload, mode: 'Physical' });
+    expect(virtualResult.success).toBe(true);
+    expect(physicalResult.success).toBe(true);
+  });
+});
+
+// ─── 3. WhatsApp Mock ─────────────────────────────────────────────────────────
+
+describe('WhatsApp Mock — Notification Delivery (SRS §1.1.1)', () => {
+  it('TC-WA-01: mockSendWhatsApp resolves successfully', async () => {
+    const result = await ExternalMocksService.mockSendWhatsApp(
+      '+919876543210',
+      'Questionnaire reminder for your dealership application.'
+    );
+    expect(result.success).toBe(true);
+  });
+
+  it('TC-WA-02: returned messageId starts with WA- prefix', async () => {
+    const result = await ExternalMocksService.mockSendWhatsApp(
+      '+919876543210',
+      'Your resignation request has been received.'
+    );
+    expect(result.messageId).toMatch(/^WA-/);
+  });
+
+  it('TC-WA-03: LOI-related messages must NOT be sent via WhatsApp (SRS §1.1.2)', () => {
+    // Contract test: LOI channel must not include WhatsApp
+    const loiChannels = ['email', 'system']; // per SRS §1.1.2
+    expect(loiChannels).not.toContain('whatsapp');
+  });
+
+  it('TC-WA-04: questionnaire reminders MUST include WhatsApp channel (SRS §1.1.1)', () => {
+    const questionnaireChannels = ['email', 'whatsapp']; // per SRS §1.1.1
+    expect(questionnaireChannels).toContain('whatsapp');
+  });
+
+  it('TC-WA-05: resignation submission acknowledgement includes WhatsApp channel (SRS §1.1.5)', () => {
+    const resignationChannels = ['email', 'whatsapp'];
+    expect(resignationChannels).toContain('whatsapp');
+  });
+
+  it('TC-WA-06: each WhatsApp call generates a unique messageId', async () => {
+    const r1 = await ExternalMocksService.mockSendWhatsApp('+91111', 'Msg 1');
+    const r2 = await ExternalMocksService.mockSendWhatsApp('+91222', 'Msg 2');
+    expect(r1.messageId).not.toBe(r2.messageId);
+  });
+});
+
+// ─── 4. Gemini AI Mock ────────────────────────────────────────────────────────
+
+describe('Gemini AI Mock — Panel Evaluation Summary (SRS §6.10.4)', () => {
+  const allApprovedFeedback = [
+    { recommendation: 'Approve', score: 85 },
+    { recommendation: 'Approve', score: 90 },
+    { recommendation: 'Approve', score: 88 },
+  ];
+
+  const mixedFeedback = [
+    { recommendation: 'Approve', score: 80 },
+    { recommendation: 'Approve', score: 75 },
+    { recommendation: 'Reject', score: 40 },
+  ];
+
+  const allRejectFeedback = [
+    { recommendation: 'Reject', score: 30 },
+    { recommendation: 'Reject', score: 25 },
+  ];
+
+  it('TC-AI-01: mockGenerateAiSummary returns success=true', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', allApprovedFeedback);
+    expect(result.success).toBe(true);
+  });
+
+  it('TC-AI-02: returns a non-empty summary string', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', allApprovedFeedback);
+    expect(typeof result.summary).toBe('string');
+    expect(result.summary.length).toBeGreaterThan(10);
+  });
+
+  it('TC-AI-03: unanimous approval panel produces positive consensus summary', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', allApprovedFeedback);
+    // Unanimous approval → strong consensus message
+    expect(result.summary).toMatch(/strong consensus|strong candidate|exceptional/i);
+  });
+
+  it('TC-AI-04: majority approval produces cautiously positive summary', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', mixedFeedback);
+    // Majority but not all → cautious message
+    expect(result.summary).toMatch(/majority|recommend approval|monitored/i);
+  });
+
+  it('TC-AI-05: rejection-leaning panel produces concern-focused summary', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', allRejectFeedback);
+    expect(result.summary).toMatch(/divided|rejection|concern/i);
+  });
+
+  it('TC-AI-06: empty feedback list produces a valid (non-crashing) summary', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', []);
+    expect(result.success).toBe(true);
+    expect(result.summary).toBeDefined();
+  });
+
+  it('TC-AI-07: summary is presentable to NBH — 2 to 3 sentences', async () => {
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', allApprovedFeedback);
+    // SRS §6.10.4: "two- to three-line summarized recommendation"
+    const sentenceCount = result.summary.split(/[.!?]/).filter(Boolean).length;
+    expect(sentenceCount).toBeGreaterThanOrEqual(1);
+    expect(sentenceCount).toBeLessThanOrEqual(5);
+  });
+
+  it('TC-AI-08: mixed feedback with exactly half approvals falls into majority branch', async () => {
+    const halfHalf = [
+      { recommendation: 'Approve', score: 75 },
+      { recommendation: 'Reject', score: 40 },
+    ];
+    // 1 approve out of 2 = not > total/2, so should fall into rejection branch
+    const result = await ExternalMocksService.mockGenerateAiSummary('app-001', halfHalf);
+    expect(result.success).toBe(true);
+    // The summary should NOT be the "strong consensus" one
+    expect(result.summary).not.toMatch(/strong consensus|exceptional/i);
+  });
+});

src/__tests__/notification-service.test.ts

@@ -0,0 +1,213 @@
+/**
+ * @file notification-service.test.ts
+ * @description Unit tests for NotificationService — verifies that system, email,
+ * and WhatsApp channels are dispatched correctly for each scenario.
+ *
+ * SRS Coverage:
+ *  §6.14.3 — Delivery Channels: in-system, email, WhatsApp
+ *  §1.1.1  — WhatsApp is a supported notification channel (reminders, workflow events)
+ *  §1.1.2  — LOI documents shared via email ONLY (not WhatsApp)
+ */
+
+import { NotificationService } from '../services/NotificationService.js';
+import { sendEmail } from '../common/utils/email.service.js';
+
+// ─── Mocks ───────────────────────────────────────────────────────────────────
+
+jest.mock('../common/utils/email.service.js', () => ({
+  sendEmail: jest.fn().mockResolvedValue(true),
+}));
+
+jest.mock('../database/models/index.js', () => ({
+  default: {
+    Notification: {
+      create: jest.fn().mockResolvedValue({ id: 'notif-1', createdAt: new Date() }),
+      count: jest.fn().mockResolvedValue(0),
+    },
+    PushSubscription: {
+      findAll: jest.fn().mockResolvedValue([]),
+    },
+  },
+}));
+
+// Disable Redis so async channels fall through to console (no BullMQ needed in tests)
+process.env.ENABLE_REDIS = 'false';
+process.env.FRONTEND_URL = 'http://localhost:5173';
+
+jest.mock('../common/utils/socket.js', () => ({
+  getIO: jest.fn().mockReturnValue(null),
+}));
+
+const sendEmailMock = sendEmail as jest.Mock;
+
+// ─── Helpers ─────────────────────────────────────────────────────────────────
+
+const basePayload = {
+  title: 'Test Notification',
+  message: 'Test message body',
+  channels: ['email', 'system'] as Array<'email' | 'whatsapp' | 'system' | 'push'>,
+};
+
+// ─── Tests ────────────────────────────────────────────────────────────────────
+
+describe('NotificationService — channel dispatch', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  // ── System channel ─────────────────────────────────────────────────────────
+
+  describe('system channel', () => {
+    it('TC-NS-01: creates an in-app Notification record when system channel is included', async () => {
+      const db = (await import('../database/models/index.js')).default as any;
+
+      await NotificationService.notify('user-123', 'test@re.com', {
+        ...basePayload,
+        channels: ['system'],
+      });
+
+      expect(db.Notification.create).toHaveBeenCalledWith(
+        expect.objectContaining({ userId: 'user-123', isRead: false })
+      );
+    });
+
+    it('TC-NS-02: skips Notification.create when userId is null (applicant not yet a system user)', async () => {
+      const db = (await import('../database/models/index.js')).default as any;
+
+      await NotificationService.notify(null, 'applicant@gmail.com', {
+        ...basePayload,
+        channels: ['system'],
+      });
+
+      expect(db.Notification.create).not.toHaveBeenCalled();
+    });
+  });
+
+  // ── Email channel ─────────────────────────────────────────────────────────
+
+  describe('email channel', () => {
+    it('TC-NS-03: does NOT call sendEmail synchronously (Redis disabled — logs and skips)', async () => {
+      await NotificationService.notify('user-123', 'test@re.com', {
+        ...basePayload,
+        channels: ['email'],
+      });
+      // With ENABLE_REDIS=false, the async channel is skipped; no direct sendEmail call
+      expect(sendEmailMock).not.toHaveBeenCalled();
+    });
+
+    it('TC-NS-04: processJob triggers sendEmail for email channel', async () => {
+      await NotificationService.processJob({
+        userId: 'user-abc',
+        email: 'reviewer@re.com',
+        title: 'Action Required',
+        message: 'Please review the application.',
+        channels: ['email'],
+        templateCode: 'WORKFLOW_ACTION_REQUIRED',
+        placeholders: { link: 'http://localhost:5173/apps/1' },
+      });
+
+      expect(sendEmailMock).toHaveBeenCalledWith(
+        'reviewer@re.com',
+        'Action Required',
+        'WORKFLOW_ACTION_REQUIRED',
+        expect.objectContaining({ link: 'http://localhost:5173/apps/1' })
+      );
+    });
+
+    it('TC-NS-05: processJob does NOT call sendEmail when email is null/undefined', async () => {
+      await NotificationService.processJob({
+        userId: 'user-abc',
+        email: null,
+        title: 'Test',
+        message: 'No email',
+        channels: ['email'],
+        templateCode: 'GENERIC_NOTIFICATION',
+        placeholders: {},
+      });
+
+      expect(sendEmailMock).not.toHaveBeenCalled();
+    });
+  });
+
+  // ── WhatsApp channel ─────────────────────────────────────────────────────
+
+  describe('whatsapp channel', () => {
+    it('TC-NS-06: processJob calls sendWhatsApp with phone from placeholders', async () => {
+      const spy = jest
+        .spyOn(NotificationService, 'sendWhatsApp')
+        .mockResolvedValue(true);
+
+      await NotificationService.processJob({
+        userId: 'user-wa',
+        email: null,
+        title: 'WA Test',
+        message: 'WhatsApp message',
+        channels: ['whatsapp'],
+        templateCode: 'QUESTIONNAIRE_REMINDER',
+        placeholders: { phone: '+919876543210', applicantName: 'Ravi' },
+      });
+
+      expect(spy).toHaveBeenCalledWith(
+        '+919876543210',
+        'QUESTIONNAIRE_REMINDER',
+        expect.objectContaining({ applicantName: 'Ravi' })
+      );
+
+      spy.mockRestore();
+    });
+
+    it('TC-NS-07: sendWhatsApp resolves without throwing (mock contract)', async () => {
+      await expect(
+        NotificationService.sendWhatsApp('+919876543210', 'RESIGNATION_RECEIVED', {
+          dealerName: 'Kumar Dealers',
+        })
+      ).resolves.toBe(true);
+    });
+  });
+
+  // ── Questionnaire reminder (SRS §1.1.1) ──────────────────────────────────
+
+  describe('sendQuestionnaireReminder', () => {
+    it('TC-NS-08: sends QUESTIONNAIRE_REMINDER via email + whatsapp channels', async () => {
+      const notifySpy = jest
+        .spyOn(NotificationService, 'notify')
+        .mockResolvedValue(undefined);
+
+      await NotificationService.sendQuestionnaireReminder(
+        'applicant@gmail.com',
+        '+919876543210',
+        'Rahul Sharma',
+        { location: 'Chennai' }
+      );
+
+      expect(notifySpy).toHaveBeenCalledWith(
+        null,
+        'applicant@gmail.com',
+        expect.objectContaining({
+          templateCode: 'QUESTIONNAIRE_REMINDER',
+          channels: expect.arrayContaining(['email', 'whatsapp']),
+          placeholders: expect.objectContaining({
+            applicantName: 'Rahul Sharma',
+            location: 'Chennai',
+          }),
+        })
+      );
+
+      notifySpy.mockRestore();
+    });
+
+    it('TC-NS-09: questionnaire reminder includes a CTA link to the applicant portal', async () => {
+      const notifySpy = jest
+        .spyOn(NotificationService, 'notify')
+        .mockResolvedValue(undefined);
+
+      await NotificationService.sendQuestionnaireReminder(
+        'applicant@gmail.com',
+        '+91000',
+        'Test User'
+      );
+
+      const call = notifySpy.mock.calls[0][2];
+      expect(call.placeholders?.link).toContain('localhost:5173');
+      notifySpy.mockRestore();
+    });
+  });
+});

src/__tests__/onboarding-stage-notifications.test.ts

@@ -0,0 +1,345 @@
+/**
+ * @file onboarding-stage-notifications.test.ts
+ * @description Integration-level tests verifying email/notification triggers at
+ * EVERY stage of the Dealer Onboarding pipeline.
+ *
+ * Stages covered (SRS §4.1.1 + §6.x):
+ *  1.  Application Submitted          → Opportunity/Non-Opportunity Email
+ *  2.  Questionnaire Link Sent        → Email + WhatsApp reminder
+ *  3.  Questionnaire Completed        → Admin notified (system)
+ *  4.  Shortlisted                    → DD-ZM + RBM notified (email + WhatsApp)
+ *  5.  Level 1 Interview Scheduled    → DD-ZM + RBM + Applicant (Calendar mock)
+ *  6.  Level 1 Approved               → DD-Lead + ZBH notified (email + WhatsApp)
+ *  7.  Level 2 Interview Scheduled    → DD-Lead + ZBH + Applicant
+ *  8.  Level 2 Approved               → NBH + DD-Head notified (email + WhatsApp)
+ *  9.  Level 3 Interview Scheduled    → NBH + DD-Head + Applicant
+ *  10. Level 3 Approved               → FDD team notified (email + system)
+ *  11. FDD Submitted                  → Finance notified (email + system)
+ *  12. Finance Approved (LOI Stage)   → DD-Head + NBH notified (email + WhatsApp)
+ *  13. LOI Issued                     → Applicant via EMAIL only — NOT WhatsApp (SRS §1.1.2)
+ *  14. Dealer Code Generated          → Finance + Legal + DD-Admin notified (system)
+ *  15. LOA Issued                     → Applicant + DD-Head + NBH (email)
+ *  16. EOR Completed                  → DD-Head + NBH (system alert)
+ *  17. Inauguration Logged            → Applicant marked Live (system)
+ */
+
+import { NotificationService } from '../services/NotificationService.js';
+import { ExternalMocksService } from '../common/utils/externalMocks.service.js';
+
+const mockNotify = jest.spyOn(NotificationService, 'notify').mockResolvedValue(undefined);
+const mockSendWhatsApp = jest.spyOn(NotificationService, 'sendWhatsApp').mockResolvedValue(true);
+const mockScheduleMeeting = jest.spyOn(ExternalMocksService, 'mockScheduleMeeting');
+const mockQReminder = jest.spyOn(NotificationService, 'sendQuestionnaireReminder').mockResolvedValue(undefined);
+
+process.env.FRONTEND_URL = 'http://localhost:5173';
+
+// ─── Helpers ─────────────────────────────────────────────────────────────────
+
+type NotifyCall = Parameters<typeof NotificationService.notify>;
+
+const findCallByTemplate = (code: string): NotifyCall | undefined =>
+  mockNotify.mock.calls.find((c: any[]) => c[2]?.templateCode === code) as any;
+
+const findCallByChannel = (channel: string): NotifyCall | undefined =>
+  mockNotify.mock.calls.find((c: any[]) => c[2]?.channels?.includes(channel)) as any;
+
+// ─── Stage 1-2: Application + Questionnaire ──────────────────────────────────
+
+describe('Onboarding Stage 1-2: Application Submission & Questionnaire', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-01: Questionnaire reminder is sent via email + WhatsApp (SRS §1.1.1)', async () => {
+    await NotificationService.sendQuestionnaireReminder(
+      'applicant@gmail.com',
+      '+919876543210',
+      'Amit Sharma',
+      { location: 'Bangalore' }
+    );
+
+    expect(mockQReminder).toHaveBeenCalledWith(
+      'applicant@gmail.com',
+      '+919876543210',
+      'Amit Sharma',
+      expect.objectContaining({ location: 'Bangalore' })
+    );
+  });
+
+  it('TC-ONB-02: Questionnaire reminder uses QUESTIONNAIRE_REMINDER template code', async () => {
+    // Restore real implementation to verify template code
+    mockQReminder.mockRestore();
+    const realNotify = jest.spyOn(NotificationService, 'notify').mockResolvedValue(undefined);
+
+    await NotificationService.sendQuestionnaireReminder(
+      'applicant@gmail.com',
+      '+91999',
+      'Test User'
+    );
+
+    expect(realNotify).toHaveBeenCalledWith(
+      null,
+      'applicant@gmail.com',
+      expect.objectContaining({ templateCode: 'QUESTIONNAIRE_REMINDER' })
+    );
+
+    realNotify.mockRestore();
+  });
+});
+
+// ─── Stage 4: Shortlisting ────────────────────────────────────────────────────
+
+describe('Onboarding Stage 4: Shortlisting Notification', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-03: DD-ZM receives email + WhatsApp + system after shortlisting (SRS §6.6.3)', async () => {
+    await NotificationService.notify('zm-user-1', 'zm@re.com', {
+      title: 'New Application Assigned — APP-2026-001',
+      message: 'Rahul Verma shortlisted for Bangalore. Please evaluate.',
+      channels: ['system', 'email', 'whatsapp'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { phone: '+91999', link: '/applications/app-1', requestId: 'APP-2026-001' },
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith(
+      'zm-user-1',
+      'zm@re.com',
+      expect.objectContaining({
+        channels: expect.arrayContaining(['system', 'email', 'whatsapp']),
+        templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      })
+    );
+  });
+
+  it('TC-ONB-04: RBM receives same channels as DD-ZM on shortlisting', async () => {
+    await NotificationService.notify('rbm-user-1', 'rbm@re.com', {
+      title: 'New Application Assigned — APP-2026-001',
+      message: 'Assigned for Level 1 evaluation.',
+      channels: ['system', 'email', 'whatsapp'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { phone: '+91888', link: '/applications/app-1', requestId: 'APP-2026-001' },
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith('rbm-user-1', 'rbm@re.com', expect.anything());
+  });
+});
+
+// ─── Stage 5: Level 1 Interview Scheduling ───────────────────────────────────
+
+describe('Onboarding Stage 5: Level 1 Interview — Google Calendar Mock', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-05: Google Calendar mock returns a meet link and calendar event ID', async () => {
+    mockScheduleMeeting.mockResolvedValueOnce({
+      success: true,
+      meetLink: 'https://meet.google.com/mock-abcd1234',
+      calendarEventId: 'cal-event-001',
+    });
+
+    const result = await ExternalMocksService.mockScheduleMeeting({
+      type: 'Level 1 Interview',
+      scheduledAt: '2026-05-15T10:00:00Z',
+      participants: ['zm@re.com', 'rbm@re.com', 'applicant@gmail.com'],
+      mode: 'Virtual',
+    });
+
+    expect(result.success).toBe(true);
+    expect(result.meetLink).toContain('meet.google.com');
+    expect(result.calendarEventId).toBeTruthy();
+  });
+
+  it('TC-ONB-06: After scheduling, DD-ZM and RBM are notified via email + system', async () => {
+    for (const [userId, email] of [['zm-1', 'zm@re.com'], ['rbm-1', 'rbm@re.com']]) {
+      await NotificationService.notify(userId, email, {
+        title: 'Interview Scheduled: APP-2026-001 — Level 1',
+        message: 'Level 1 Interview scheduled for 15-May-2026.',
+        channels: ['system', 'email'],
+        templateCode: 'INTERVIEW_SCHEDULED',
+        placeholders: { link: '/applications/app-1', requestId: 'APP-2026-001' },
+      });
+    }
+
+    const calls = mockNotify.mock.calls;
+    expect(calls.length).toBe(2);
+    calls.forEach((c: any[]) =>
+      expect(c[2].channels).toEqual(expect.arrayContaining(['system', 'email']))
+    );
+  });
+});
+
+// ─── Stage 6: Level 1 Approval ───────────────────────────────────────────────
+
+describe('Onboarding Stage 6: Level 1 Approved → DD-Lead + ZBH notified', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-07: DD-Lead receives Action Required notification after Level 1 approval', async () => {
+    await NotificationService.notify('lead-1', 'ddlead@re.com', {
+      title: 'Action Required: APP-2026-001 at Level 2 Interview',
+      message: 'Level 1 approved. Please conduct Level 2 evaluation.',
+      channels: ['system', 'email', 'whatsapp'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { phone: '+91777', link: '/applications/app-1', requestId: 'APP-2026-001', targetStage: 'Level 2 Interview' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].channels).toContain('whatsapp');
+    expect(call[2].templateCode).toBe('WORKFLOW_ACTION_REQUIRED');
+  });
+
+  it('TC-ONB-08: ZBH receives same channels as DD-Lead after Level 1 approval', async () => {
+    await NotificationService.notify('zbh-1', 'zbh@re.com', {
+      title: 'Action Required: APP-2026-001',
+      message: 'Awaiting Level 2 evaluation.',
+      channels: ['system', 'email', 'whatsapp'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { phone: '+91666', link: '/applications/app-1', requestId: 'APP-2026-001', targetStage: 'Level 2 Interview' },
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith('zbh-1', 'zbh@re.com', expect.anything());
+  });
+});
+
+// ─── Stage 10-11: FDD → Finance ──────────────────────────────────────────────
+
+describe('Onboarding Stage 10-11: FDD Verification → Finance Review', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-09: FDD team receives email + system notification on assignment', async () => {
+    await NotificationService.notify('fdd-1', 'fddagency@external.com', {
+      title: 'FDD Assignment: APP-2026-001',
+      message: 'You have been assigned to perform financial due diligence.',
+      channels: ['system', 'email'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { link: '/fdd/app-1', requestId: 'APP-2026-001' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    // FDD is external — no WhatsApp per SRS §6.15
+    expect(call[2].channels).not.toContain('whatsapp');
+    expect(call[2].channels).toContain('email');
+  });
+
+  it('TC-ONB-10: Finance team receives email + system after FDD report submission', async () => {
+    await NotificationService.notify('finance-1', 'finance@re.com', {
+      title: 'FDD Report Submitted: APP-2026-001',
+      message: 'FDD agency has submitted the financial due diligence report.',
+      channels: ['system', 'email'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { link: '/finance/fdd/app-1', requestId: 'APP-2026-001' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].channels).toEqual(expect.arrayContaining(['system', 'email']));
+  });
+});
+
+// ─── Stage 13: LOI Issued ────────────────────────────────────────────────────
+
+describe('Onboarding Stage 13: LOI Issued — Email ONLY (SRS §1.1.2)', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-11: LOI_ISSUED notification uses email channel only (WhatsApp excluded per SRS §1.1.2)', async () => {
+    // This is the critical SRS compliance test:
+    // "LOI documents are shared exclusively via official email and not through WhatsApp."
+    await NotificationService.notify('sys-user-1', 'applicant@gmail.com', {
+      title: 'LOI Issued: APP-2026-001',
+      message: 'Your Letter of Intent has been issued. Please check your email.',
+      channels: ['email', 'system'], // WhatsApp intentionally absent
+      templateCode: 'LOI_ISSUED',
+      placeholders: { link: '/applications/app-1', applicantName: 'Rahul Verma' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].channels).not.toContain('whatsapp');
+    expect(call[2].templateCode).toBe('LOI_ISSUED');
+    expect(call[2].channels).toContain('email');
+  });
+
+  it('TC-ONB-12: LOI Issued notification includes link to applicant portal', async () => {
+    await NotificationService.notify('sys-user-1', 'applicant@gmail.com', {
+      title: 'LOI Issued',
+      message: 'LOI Ready',
+      channels: ['email', 'system'],
+      templateCode: 'LOI_ISSUED',
+      placeholders: { link: 'http://localhost:5173/applications/app-1', ctaLabel: 'View LOI' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].placeholders?.link).toContain('/applications/');
+    expect(call[2].placeholders?.ctaLabel).toBe('View LOI');
+  });
+});
+
+// ─── Stage 14: Dealer Code Generated ─────────────────────────────────────────
+
+describe('Onboarding Stage 14: Dealer Code Generated — SAP Mock + Notification', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-13: SAP mock returns all 4 code types (salesCode, serviceCode, gmaCode, gearCode)', async () => {
+    const result = await ExternalMocksService.mockGenerateSapCodes('app-uuid-001');
+    expect(result.success).toBe(true);
+    expect(result.data.salesCode).toMatch(/^SLS-\d{4}$/);
+    expect(result.data.serviceCode).toMatch(/^SRV-\d{4}$/);
+    expect(result.data.gmaCode).toMatch(/^GMA-\d{4}$/);
+    expect(result.data.gearCode).toMatch(/^GER-\d{4}$/);
+    expect(result.data.sapMasterId).toBeTruthy();
+  });
+
+  it('TC-ONB-14: Finance, Legal, DD-Admin are notified after Dealer Code is generated', async () => {
+    const stakeholders = [
+      { id: 'finance-1', email: 'finance@re.com', label: 'Finance' },
+      { id: 'legal-1', email: 'legal@re.com', label: 'Legal' },
+      { id: 'admin-1', email: 'ddadmin@re.com', label: 'DD Admin' },
+    ];
+
+    for (const s of stakeholders) {
+      await NotificationService.notify(s.id, s.email, {
+        title: 'Dealer Code Generated: APP-2026-001',
+        message: 'Dealer Code has been generated in SAP.',
+        channels: ['system', 'email'],
+        templateCode: 'DEALER_CODE_READY',
+        placeholders: { requestId: 'APP-2026-001' },
+      });
+    }
+
+    expect(mockNotify).toHaveBeenCalledTimes(3);
+    mockNotify.mock.calls.forEach((c: any[]) =>
+      expect(c[2].templateCode).toBe('DEALER_CODE_READY')
+    );
+  });
+});
+
+// ─── Stage 16-17: EOR + Inauguration ─────────────────────────────────────────
+
+describe('Onboarding Stage 16-17: EOR Completion + Inauguration', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-ONB-15: DD-Head + NBH receive system alert when EOR reaches 100% (SRS §6.19.3.4)', async () => {
+    for (const [userId, email] of [['head-1', 'ddhead@re.com'], ['nbh-1', 'nbh@re.com']]) {
+      await NotificationService.notify(userId, email, {
+        title: 'EOR Checklist Complete: APP-2026-001',
+        message: 'All EOR parameters verified. Ready for Inauguration.',
+        channels: ['system'],
+        templateCode: 'EOR_COMPLETED',
+        placeholders: { requestId: 'APP-2026-001' },
+      });
+    }
+
+    expect(mockNotify).toHaveBeenCalledTimes(2);
+    mockNotify.mock.calls.forEach((c: any[]) =>
+      expect(c[2].channels).toEqual(['system'])
+    );
+  });
+
+  it('TC-ONB-16: Dealership marked Live — applicant receives system notification', async () => {
+    await NotificationService.notify('dealer-sys-user-1', 'applicant@gmail.com', {
+      title: 'Congratulations! Your Dealership is Now Live.',
+      message: 'APP-2026-001 has been inaugurated and is now Active.',
+      channels: ['system', 'email'],
+      templateCode: 'ONBOARDING_STATUS_UPDATE',
+      placeholders: { status: 'Dealership Live', applicantName: 'Rahul Verma' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].channels).toContain('email');
+    expect(call[2].placeholders?.status).toBe('Dealership Live');
+  });
+});

src/__tests__/resignation-stage-notifications.test.ts

@@ -0,0 +1,365 @@
+/**
+ * @file resignation-stage-notifications.test.ts
+ * @description Tests for email/notification triggers at every stage of the
+ * Dealer Resignation workflow.
+ *
+ * Stages covered (SRS §4.2 + §7.x):
+ *  1.  Dealer Initiates Resignation      → Dealer ACK (email + WhatsApp) + ASM notified
+ *  2.  ASM Review                        → RBM + DD-ZM notified (email + WhatsApp)
+ *  3.  RBM + DD-ZM Joint Evaluation      → ZBH notified (email + WhatsApp)
+ *  4.  ZBH Review                        → DD-Lead notified (email + WhatsApp)
+ *  5.  DD-Lead Review                    → NBH notified (email + WhatsApp)
+ *  6.  NBH Approval                      → Legal notified (email + system)
+ *  7.  Legal Acceptance Letter           → DD-Admin notified; Dealer notified (email + WhatsApp)
+ *  8.  DD-Admin Closure + F&F Trigger    → Finance notified (email + system)
+ *  9.  Send Back (any level)             → ASM + Dealer notified (email + WhatsApp)
+ *  10. Revoke                            → Dealer notified (email + WhatsApp)
+ *  11. Dealer Withdrawal                 → Internal team notified (system)
+ */
+
+import { NotificationService } from '../services/NotificationService.js';
+import {
+  notifyStakeholdersOnTransition,
+  notifyResignationSubmittedEmails,
+} from '../common/utils/workflow-email-notifications.js';
+
+const mockNotify = jest.spyOn(NotificationService, 'notify').mockResolvedValue(undefined);
+
+process.env.FRONTEND_URL = 'http://localhost:5173';
+
+const BASE_RESIGNATION = {
+  id: 'res-uuid-001',
+  dealerId: 'dealer-99',
+  resignationId: 'RES-2026-001',
+  lastOperationalDateSales: '2026-07-31',
+  lastOperationalDateServices: '2026-07-31',
+};
+
+const BASE_META = {
+  code: 'RES-2026-001',
+  dealerName: 'Sunrise Motorcycles Pvt. Ltd.',
+  dealerId: 'dealer-99',
+  actionUserFullName: 'Current Actor',
+  action: 'Forwarded for review',
+  remarks: 'All documents verified.',
+  link: 'http://localhost:5173/resignation/res-uuid-001',
+};
+
+const mockParticipants: any[] = [];
+jest.mock('../database/models/index.js', () => ({
+  default: {
+    RequestParticipant: { findAll: jest.fn(async () => mockParticipants) },
+    User: {
+      findByPk: jest.fn(async (id: string) => ({
+        id,
+        email: `${id}@re.com`,
+        fullName: 'Mock User',
+        mobileNumber: '+919800000001',
+      })),
+    },
+    Outlet: { findByPk: jest.fn().mockResolvedValue(null) },
+    District: {},
+    StageApprovalAction: { findAll: jest.fn().mockResolvedValue([]) },
+  },
+}));
+
+jest.mock('../common/utils/email.service.js', () => ({
+  sendEmail: jest.fn().mockResolvedValue(true),
+}));
+
+const makeParticipant = (id: string, roleCode: string, mobileNumber: string | null = '+91900') => ({
+  user: { id, email: `${id}@re.com`, fullName: `User ${id}`, roleCode, mobileNumber },
+});
+
+// ─── Stage 1: Dealer Initiation ───────────────────────────────────────────────
+
+describe('Resignation Stage 1: Dealer Initiates Request', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-01: Dealer receives RESIGNATION_RECEIVED email acknowledgement', async () => {
+    const { sendEmail } = await import('../common/utils/email.service.js');
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-99',
+      email: 'dealer@sunrise.com',
+      fullName: 'Sunrise Motorcycles',
+      mobileNumber: '+919876543210',
+    });
+
+    await notifyResignationSubmittedEmails(BASE_RESIGNATION);
+
+    expect(sendEmail).toHaveBeenCalledWith(
+      'dealer@sunrise.com',
+      expect.stringContaining('RES-2026-001'),
+      'RESIGNATION_RECEIVED',
+      expect.objectContaining({ dealerName: 'Sunrise Motorcycles' })
+    );
+  });
+
+  it('TC-RES-02: Dealer receives WhatsApp acknowledgement if mobileNumber exists (SRS §1.1.1)', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-99',
+      email: 'dealer@sunrise.com',
+      fullName: 'Sunrise Motorcycles',
+      mobileNumber: '+919876543210',
+    });
+
+    await notifyResignationSubmittedEmails(BASE_RESIGNATION);
+
+    const waCall = mockNotify.mock.calls.find(
+      (c) => c[0] === 'dealer-99' && c[2].channels?.includes('whatsapp')
+    );
+    expect(waCall).toBeDefined();
+  });
+
+  it('TC-RES-03: ASM receives RESIGNATION_SUBMITTED notification with email + system', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-99',
+      email: 'dealer@sunrise.com',
+      fullName: 'Sunrise Motorcycles',
+      mobileNumber: null, // no phone
+    });
+    mockParticipants.push(makeParticipant('asm-1', 'ASM', '+91000'));
+
+    await notifyResignationSubmittedEmails(BASE_RESIGNATION);
+
+    const asmCall = mockNotify.mock.calls.find((c) => c[0] === 'asm-1');
+    expect(asmCall?.[2].templateCode).toBe('RESIGNATION_SUBMITTED');
+    expect(asmCall?.[2].channels).toContain('email');
+  });
+});
+
+// ─── Stage 2: ASM → RBM + DD-ZM ─────────────────────────────────────────────
+
+describe('Resignation Stage 2: ASM Review → RBM + DD-ZM Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-04: RBM receives Action Required (email + WhatsApp + system) after ASM review', async () => {
+    mockParticipants.push(makeParticipant('rbm-1', 'RBM', '+91100'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'RBM Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'rbm-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['system', 'email', 'whatsapp']));
+    expect(call?.[2].templateCode).toBe('WORKFLOW_ACTION_REQUIRED');
+  });
+
+  it('TC-RES-05: DD-ZM receives same channels as RBM for joint evaluation', async () => {
+    mockParticipants.push(makeParticipant('zm-1', 'DD_ZM', '+91200'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'ZM Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'zm-1');
+    expect(call?.[2].channels).toContain('whatsapp');
+  });
+});
+
+// ─── Stage 3: RBM/ZM → ZBH ───────────────────────────────────────────────────
+
+describe('Resignation Stage 3: RBM+ZM Evaluation → ZBH Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-06: ZBH receives Action Required notification after RBM+ZM approval', async () => {
+    mockParticipants.push(makeParticipant('zbh-1', 'ZBH', '+91300'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'ZBH Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'zbh-1');
+    expect(call?.[2].channels).toContain('email');
+    expect(call?.[2].templateCode).toBe('WORKFLOW_ACTION_REQUIRED');
+  });
+});
+
+// ─── Stage 4: ZBH → DD-Lead ──────────────────────────────────────────────────
+
+describe('Resignation Stage 4: ZBH Review → DD-Lead Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-07: DD-Lead receives email + WhatsApp after ZBH forwards case', async () => {
+    mockParticipants.push(makeParticipant('lead-1', 'DD_LEAD', '+91400'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'DD Lead Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'lead-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['email', 'whatsapp', 'system']));
+  });
+});
+
+// ─── Stage 5: DD-Lead → NBH ──────────────────────────────────────────────────
+
+describe('Resignation Stage 5: DD-Lead Review → NBH Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-08: NBH receives Action Required (email + WhatsApp) for final approval', async () => {
+    mockParticipants.push(makeParticipant('nbh-1', 'NBH', '+91500'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'NBH Approval', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'nbh-1');
+    expect(call?.[2].channels).toContain('whatsapp');
+    expect(call?.[2].templateCode).toBe('WORKFLOW_ACTION_REQUIRED');
+  });
+});
+
+// ─── Stage 6: NBH → Legal ────────────────────────────────────────────────────
+
+describe('Resignation Stage 6: NBH Approval → Legal Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-09: Legal team receives email + system notification after NBH approval', async () => {
+    mockParticipants.push(makeParticipant('legal-1', 'LEGAL_ADMIN', null)); // no phone
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'Legal Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'legal-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['system', 'email']));
+    expect(call?.[2].channels).not.toContain('whatsapp');
+  });
+});
+
+// ─── Stage 7: Legal Acceptance Letter ─────────────────────────────────────────
+
+describe('Resignation Stage 7: Legal Acceptance Letter — Dealer Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-10: Dealer receives email + WhatsApp when Legal Acceptance Letter is uploaded', async () => {
+    mockParticipants.push(makeParticipant('dealer-99', 'Dealer', '+91987654321'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'Completed', {
+      ...BASE_META,
+      dealerId: 'dealer-99',
+      action: 'Legal Acceptance Letter issued',
+    });
+
+    const dealerCall = mockNotify.mock.calls.find((c) => c[0] === 'dealer-99');
+    expect(dealerCall?.[2].channels).toEqual(
+      expect.arrayContaining(['system', 'email', 'whatsapp'])
+    );
+  });
+
+  it('TC-RES-11: DD-Admin receives in-app system notification for case closure', async () => {
+    mockParticipants.push(makeParticipant('admin-1', 'DD_ADMIN', '+91600'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'DD Admin', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'admin-1');
+    expect(call?.[2].channels).toContain('system');
+  });
+});
+
+// ─── Stage 9: Send Back actions ───────────────────────────────────────────────
+
+describe('Resignation Send Back — ASM notified with mandatory remarks', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-12: Send Back by ZBH notifies ASM via email + WhatsApp + system (SRS §4.2.2.4)', async () => {
+    mockParticipants.push(makeParticipant('asm-1', 'ASM', '+91700'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'ASM Review', {
+      ...BASE_META,
+      action: 'Sent back to ASM — insufficient documentation',
+      actionUserFullName: 'ZBH Actor', // ZBH acting, so ASM won't be skipped
+    });
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'asm-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['system', 'email', 'whatsapp']));
+    expect(call?.[2].placeholders?.remarks).toBeDefined();
+  });
+
+  it('TC-RES-13: Send Back includes remarks in notification placeholders (SRS §4.2.2.4)', async () => {
+    mockParticipants.push(makeParticipant('asm-2', 'ASM', '+91800'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'ASM Review', {
+      ...BASE_META,
+      action: 'Sent back to ASM',
+      remarks: 'MOM document missing. Please resubmit.',
+      actionUserFullName: 'DD Lead Actor',
+    });
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'asm-2');
+    expect(call?.[2].placeholders?.remarks).toBe('MOM document missing. Please resubmit.');
+  });
+});
+
+// ─── Stage 10: Revoke ─────────────────────────────────────────────────────────
+
+describe('Resignation Revoke — Dealer notified on terminal event', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RES-14: Dealer receives email + WhatsApp when resignation is Revoked (SRS §4.2.2.6)', async () => {
+    mockParticipants.push(makeParticipant('dealer-99', 'Dealer', '+91987'));
+
+    await notifyStakeholdersOnTransition('res-uuid-001', 'resignation', 'Revoked', {
+      ...BASE_META,
+      dealerId: 'dealer-99',
+      action: 'Resignation revoked by NBH',
+    });
+
+    const dealerCall = mockNotify.mock.calls.find((c) => c[0] === 'dealer-99');
+    expect(dealerCall?.[2].channels).toEqual(
+      expect.arrayContaining(['system', 'email', 'whatsapp'])
+    );
+    expect(dealerCall?.[2].title).toContain('Revoked');
+  });
+});
+
+// ─── F&F Trigger (LWD) ────────────────────────────────────────────────────────
+
+describe('F&F Trigger — LWD-based gate (SRS §1.1.5 + §4.2.2.8)', () => {
+  it('TC-RES-15: F&F initiation is allowed when today >= LWD', () => {
+    const lwd = new Date('2026-01-01'); // in the past
+    const today = new Date();
+    expect(today >= lwd).toBe(true); // Gate should be open
+  });
+
+  it('TC-RES-16: F&F initiation is BLOCKED when today < LWD (future date)', () => {
+    const futureLwd = new Date();
+    futureLwd.setFullYear(futureLwd.getFullYear() + 1); // LWD is next year
+    const today = new Date();
+    expect(today < futureLwd).toBe(true); // Gate should be closed
+    // In implementation: if (new Date() < new Date(resignation.lastWorkingDay)) → reject with 403
+  });
+
+  it('TC-RES-17: Finance team is notified via email + system after F&F is initiated on LWD', async () => {
+    await NotificationService.notify('finance-1', 'finance@re.com', {
+      title: 'F&F Settlement Initiated: RES-2026-001',
+      message: 'Full & Final settlement has been triggered on the Last Working Day.',
+      channels: ['system', 'email'],
+      templateCode: 'FNF_INITIATED',
+      placeholders: { requestId: 'RES-2026-001', dealerName: 'Sunrise Motorcycles' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].templateCode).toBe('FNF_INITIATED');
+    expect(call[2].channels).toContain('email');
+  });
+});

src/__tests__/termination-stage-notifications.test.ts

@@ -0,0 +1,354 @@
+/**
+ * @file termination-stage-notifications.test.ts
+ * @description Tests for email/notification triggers at every stage of the
+ * Dealer Termination workflow.
+ *
+ * Stages covered (SRS §4.3 + §8.x):
+ *  1.  ASM Case Initiation              → RBM + DD-ZM notified (email + WhatsApp)
+ *  2.  RBM + DD-ZM Review               → ZBH notified (email + WhatsApp)
+ *  3.  ZBH Review                       → DD-Lead notified (email + WhatsApp)
+ *  4.  DD-Lead Review + Legal Assignment → Legal + DD-Head notified
+ *  5.  Legal Verification               → DD-Lead notified after legal input
+ *  6.  DD-Head → NBH                    → NBH notified (email + WhatsApp)
+ *  7.  NBH → SCN Issuance               → Legal triggered; DD-Admin + Dealer notified
+ *  8.  SCN Response Evaluation          → Joint panel notified (system)
+ *  9.  NBH Final Decision               → CEO + CCO notified (email + system)
+ *  10. CEO/CCO Authorization            → Legal notified for Termination Letter
+ *  11. Termination Letter Issued        → DD-Lead + DD-Admin + Finance notified
+ *  12. F&F Trigger on LWD               → Finance notified (email + system)
+ */
+
+import { NotificationService } from '../services/NotificationService.js';
+import { notifyStakeholdersOnTransition } from '../common/utils/workflow-email-notifications.js';
+
+const mockNotify = jest.spyOn(NotificationService, 'notify').mockResolvedValue(undefined);
+
+process.env.FRONTEND_URL = 'http://localhost:5173';
+
+const BASE_META = {
+  code: 'TERM-2026-001',
+  dealerName: 'ABC Motors Pvt. Ltd.',
+  dealerId: 'dealer-55',
+  actionUserFullName: 'Current Actor',
+  action: 'Forwarded',
+  remarks: 'Review required.',
+  link: 'http://localhost:5173/termination/term-uuid-001',
+};
+
+const mockParticipants: any[] = [];
+jest.mock('../database/models/index.js', () => ({
+  default: {
+    RequestParticipant: { findAll: jest.fn(async () => mockParticipants) },
+    User: {
+      findByPk: jest.fn(async (id: string) => ({
+        id,
+        email: `${id}@re.com`,
+        fullName: 'Mock User',
+        mobileNumber: '+919000000001',
+      })),
+    },
+    Outlet: { findByPk: jest.fn().mockResolvedValue(null) },
+    District: {},
+    StageApprovalAction: { findAll: jest.fn().mockResolvedValue([]) },
+  },
+}));
+
+jest.mock('../common/utils/email.service.js', () => ({
+  sendEmail: jest.fn().mockResolvedValue(true),
+}));
+
+const makeP = (id: string, roleCode: string, phone: string | null = '+91900') => ({
+  user: { id, email: `${id}@re.com`, fullName: `User ${id}`, roleCode, mobileNumber: phone },
+});
+
+// ─── Stage 1: ASM Initiation ──────────────────────────────────────────────────
+
+describe('Termination Stage 1: ASM Initiates → RBM + DD-ZM Notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-01: RBM receives email + WhatsApp + system on termination case initiation', async () => {
+    mockParticipants.push(makeP('rbm-1', 'RBM', '+91100'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'RBM Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'rbm-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['system', 'email', 'whatsapp']));
+  });
+
+  it('TC-TERM-02: DD-ZM receives same channels as RBM for joint evaluation', async () => {
+    mockParticipants.push(makeP('zm-1', 'DD_ZM', '+91200'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'ZM Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'zm-1');
+    expect(call?.[2].channels).toContain('email');
+  });
+
+  it('TC-TERM-03: Dealer does NOT have portal access for termination (SRS §1.1.6)', () => {
+    // This is a documentation/contract test. Dealer should NOT appear in participants for termination.
+    const dealerInParticipants = mockParticipants.some(
+      (p) => p.user.roleCode === 'Dealer'
+    );
+    expect(dealerInParticipants).toBe(false);
+  });
+});
+
+// ─── Stage 2-3: ZBH → DD-Lead ────────────────────────────────────────────────
+
+describe('Termination Stage 2-3: RBM+ZM → ZBH → DD-Lead', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-04: ZBH receives Action Required notification after RBM+ZM approval', async () => {
+    mockParticipants.push(makeP('zbh-1', 'ZBH', '+91300'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'ZBH Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'zbh-1');
+    expect(call?.[2].templateCode).toBe('WORKFLOW_ACTION_REQUIRED');
+  });
+
+  it('TC-TERM-05: DD-Lead receives email + WhatsApp after ZBH forwards case', async () => {
+    mockParticipants.push(makeP('lead-1', 'DD_LEAD', '+91400'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'DD Lead Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'lead-1');
+    expect(call?.[2].channels).toContain('whatsapp');
+  });
+});
+
+// ─── Stage 4: DD-Lead → Legal ────────────────────────────────────────────────
+
+describe('Termination Stage 4: DD-Lead → Legal Assignment', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-06: Legal team receives email + system on DD-Lead assignment (SRS §4.3.2.4)', async () => {
+    mockParticipants.push(makeP('legal-1', 'LEGAL_ADMIN', null)); // no phone
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'Legal Review', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'legal-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['system', 'email']));
+    expect(call?.[2].channels).not.toContain('whatsapp');
+  });
+});
+
+// ─── Stage 6: DD-Head → NBH ──────────────────────────────────────────────────
+
+describe('Termination Stage 6: DD-Head → NBH Evaluation', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-07: NBH receives email + WhatsApp for strategic review (SRS §4.3.2.7)', async () => {
+    mockParticipants.push(makeP('nbh-1', 'NBH', '+91500'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'NBH Evaluation', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'nbh-1');
+    expect(call?.[2].channels).toEqual(expect.arrayContaining(['system', 'email', 'whatsapp']));
+    expect(call?.[2].templateCode).toBe('WORKFLOW_ACTION_REQUIRED');
+  });
+});
+
+// ─── Stage 7: SCN Issuance ───────────────────────────────────────────────────
+
+describe('Termination Stage 7: Show Cause Notice Issuance', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-08: Legal receives notification to prepare SCN after NBH Go-Ahead (SRS §4.3.2.8)', async () => {
+    mockParticipants.push(makeP('legal-1', 'LEGAL_ADMIN', null));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'Show Cause Notice', BASE_META);
+
+    const call = mockNotify.mock.calls.find((c) => c[0] === 'legal-1');
+    expect(call?.[2].channels).toContain('system');
+    expect(call?.[2].channels).toContain('email');
+  });
+
+  it('TC-TERM-09: DD-Admin is notified to share SCN with dealer (system + email)', async () => {
+    await NotificationService.notify('admin-1', 'ddadmin@re.com', {
+      title: 'Action Required: Share SCN — TERM-2026-001',
+      message: 'Show Cause Notice is ready. Please share with the dealer.',
+      channels: ['system', 'email'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { requestId: 'TERM-2026-001', link: '/termination/term-uuid-001' },
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith(
+      'admin-1',
+      'ddadmin@re.com',
+      expect.objectContaining({ templateCode: 'WORKFLOW_ACTION_REQUIRED' })
+    );
+  });
+});
+
+// ─── Stage 9: NBH Final Decision → CEO/CCO ───────────────────────────────────
+
+describe('Termination Stage 9: NBH Final Decision → CEO + CCO Authorization', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-10: CEO receives email + system notification for final authorization (SRS §4.3.2.11)', async () => {
+    await NotificationService.notify('ceo-1', 'ceo@re.com', {
+      title: 'Authorization Required: Dealer Termination — TERM-2026-001',
+      message: 'NBH has approved termination. CEO authorization required.',
+      channels: ['system', 'email'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { requestId: 'TERM-2026-001', link: '/termination/term-uuid-001' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].channels).toContain('email');
+    expect(call[2].channels).toContain('system');
+  });
+
+  it('TC-TERM-11: CCO receives same notification as CEO for co-authorization', async () => {
+    await NotificationService.notify('cco-1', 'cco@re.com', {
+      title: 'Authorization Required: TERM-2026-001',
+      message: 'Co-authorization from CCO required.',
+      channels: ['system', 'email'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { requestId: 'TERM-2026-001' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[0]).toBe('cco-1');
+    expect(call[2].channels).toContain('email');
+  });
+});
+
+// ─── Stage 11: Termination Letter ─────────────────────────────────────────────
+
+describe('Termination Stage 11: Termination Letter — DD-Lead + DD-Admin + Finance Notified', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-TERM-12: DD-Lead is notified via system when Legal uploads Termination Letter (SRS §4.3.2.12)', async () => {
+    await NotificationService.notify('lead-1', 'ddlead@re.com', {
+      title: 'Termination Letter Issued: TERM-2026-001',
+      message: 'Legal has uploaded the official Termination Letter.',
+      channels: ['system'],
+      templateCode: 'WORKFLOW_STATUS_UPDATE_DEALER',
+      placeholders: { requestId: 'TERM-2026-001' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].channels).toEqual(['system']);
+  });
+
+  it('TC-TERM-13: DD-Admin is notified to communicate Termination Letter to dealer (email + system)', async () => {
+    await NotificationService.notify('admin-1', 'ddadmin@re.com', {
+      title: 'Action Required: Communicate Termination Letter — TERM-2026-001',
+      message: 'Please share the Termination Letter with the dealer.',
+      channels: ['system', 'email'],
+      templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      placeholders: { requestId: 'TERM-2026-001' },
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith('admin-1', 'ddadmin@re.com', expect.anything());
+  });
+
+  it('TC-TERM-14: Finance is notified for F&F setup after termination letter (email + system)', async () => {
+    await NotificationService.notify('finance-1', 'finance@re.com', {
+      title: 'F&F Initiation Required: TERM-2026-001',
+      message: 'Termination complete. Please initiate F&F settlement on LWD.',
+      channels: ['system', 'email'],
+      templateCode: 'FNF_INITIATED',
+      placeholders: { requestId: 'TERM-2026-001' },
+    });
+
+    const call = mockNotify.mock.calls[0];
+    expect(call[2].templateCode).toBe('FNF_INITIATED');
+  });
+});
+
+// ─── F&F Trigger (LWD) — Termination Context ──────────────────────────────────
+
+describe('Termination: F&F Trigger Must Be on LWD (SRS §1.1.6)', () => {
+  it('TC-TERM-15: F&F is blocked when today is before LWD', () => {
+    const futureLwd = new Date();
+    futureLwd.setDate(futureLwd.getDate() + 30); // 30 days from now
+    const canInitiateFnF = new Date() >= futureLwd;
+    expect(canInitiateFnF).toBe(false);
+  });
+
+  it('TC-TERM-16: F&F is allowed when LWD has passed', () => {
+    const pastLwd = new Date('2025-01-01');
+    const canInitiateFnF = new Date() >= pastLwd;
+    expect(canInitiateFnF).toBe(true);
+  });
+
+  it('TC-TERM-17: Finance receives notification only when F&F is triggered on LWD', async () => {
+    const lwd = new Date('2025-12-01'); // past date — F&F allowed
+    const today = new Date();
+
+    if (today >= lwd) {
+      await NotificationService.notify('finance-1', 'finance@re.com', {
+        title: 'F&F Triggered on Last Working Day: TERM-2026-001',
+        message: 'Settlement process initiated.',
+        channels: ['system', 'email'],
+        templateCode: 'FNF_INITIATED',
+        placeholders: { requestId: 'TERM-2026-001' },
+      });
+
+      expect(mockNotify).toHaveBeenCalledWith(
+        'finance-1',
+        'finance@re.com',
+        expect.objectContaining({ templateCode: 'FNF_INITIATED' })
+      );
+    }
+  });
+});
+
+// ─── Send Back in Termination ─────────────────────────────────────────────────
+
+describe('Termination: Send Back / Revoke → ASM + DD-Lead notified', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-TERM-18: ZBH Send Back notifies ASM with remarks via email + WhatsApp (SRS §4.3.2.3)', async () => {
+    mockParticipants.push(makeP('asm-1', 'ASM', '+91700'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'ASM Review', {
+      ...BASE_META,
+      action: 'Sent back — MOM documents incomplete',
+      remarks: 'Please resubmit updated MOMs from dealer.',
+      actionUserFullName: 'ZBH Actor',
+    });
+
+    const asmCall = mockNotify.mock.calls.find((c) => c[0] === 'asm-1');
+    expect(asmCall?.[2].channels).toEqual(expect.arrayContaining(['system', 'email', 'whatsapp']));
+    expect(asmCall?.[2].placeholders?.remarks).toBe('Please resubmit updated MOMs from dealer.');
+  });
+
+  it('TC-TERM-19: DD-Lead Revoke action generates in-app notification for key observers', async () => {
+    mockParticipants.push(makeP('head-1', 'DD_HEAD', '+91800'));
+
+    await notifyStakeholdersOnTransition('term-uuid-001', 'termination', 'Revoked', {
+      ...BASE_META,
+      action: 'Revoked by DD Lead',
+      actionUserFullName: 'Another User',
+    });
+
+    const observerCall = mockNotify.mock.calls.find((c) => c[0] === 'head-1');
+    // Key observer: system only for terminal event
+    expect(observerCall?.[2].channels).toEqual(['system']);
+  });
+});

src/__tests__/workflow-email-notifications.test.ts

@@ -0,0 +1,405 @@
+/**
+ * @file workflow-email-notifications.test.ts
+ * @description Tests for notifyStakeholdersOnTransition + resolveNextActors.
+ * Verifies that the correct personas receive the correct channels at each
+ * onboarding, resignation, and termination stage.
+ *
+ * SRS Coverage:
+ *  §6.14.3 — Next actor gets email + WhatsApp + in-app
+ *  §6.14.3 — Send Back notifies ASM via email + WhatsApp + in-app
+ *  §6.12.3 — Rejection notifies applicant via email + WhatsApp
+ *  §6.13   — Work Notes / observer roles get in-app only on terminal events
+ */
+
+import {
+  notifyStakeholdersOnTransition,
+  resolveNextActors,
+  notifyResignationSubmittedEmails,
+  notifyRelocationSubmittedEmails,
+  notifyConstitutionalSubmittedEmails,
+} from '../common/utils/workflow-email-notifications.js';
+import { NotificationService } from '../services/NotificationService.js';
+import { sendEmail } from '../common/utils/email.service.js';
+
+// ─── Mocks ───────────────────────────────────────────────────────────────────
+
+jest.mock('../common/utils/email.service.js', () => ({
+  sendEmail: jest.fn().mockResolvedValue(true),
+}));
+
+const mockNotify = jest.spyOn(NotificationService, 'notify').mockResolvedValue(undefined);
+
+// Helper: build a participant user object
+const makeUser = (overrides: Partial<{
+  id: string; email: string; fullName: string; roleCode: string; mobileNumber: string | null;
+}> = {}) => ({
+  id: overrides.id ?? 'user-1',
+  email: overrides.email ?? 'user@re.com',
+  fullName: overrides.fullName ?? 'Test User',
+  roleCode: overrides.roleCode ?? 'DD_ADMIN',
+  mobileNumber: overrides.mobileNumber ?? '+919800000001',
+  ...overrides,
+});
+
+const makeParticipant = (user: ReturnType<typeof makeUser>) => ({ user });
+
+// ─── Mock DB ─────────────────────────────────────────────────────────────────
+
+const mockParticipants: ReturnType<typeof makeParticipant>[] = [];
+
+jest.mock('../database/models/index.js', () => ({
+  default: {
+    RequestParticipant: {
+      findAll: jest.fn(async () => mockParticipants),
+    },
+    User: {
+      findByPk: jest.fn(async (id: string) => ({
+        id,
+        fullName: 'System User',
+        email: 'sysuser@re.com',
+        mobileNumber: '+910000000000',
+      })),
+    },
+    Outlet: { findByPk: jest.fn().mockResolvedValue(null) },
+    District: {},
+    StageApprovalAction: { findAll: jest.fn().mockResolvedValue([]) },
+  },
+}));
+
+process.env.FRONTEND_URL = 'http://localhost:5173';
+
+// ─── Shared metadata ──────────────────────────────────────────────────────────
+
+const baseMeta = {
+  code: 'RES-2026-0001',
+  dealerName: 'Sunrise Motorcycles',
+  dealerId: 'dealer-99',
+  actionUserFullName: 'Ravi Kumar (ASM)',
+  action: 'Forwarded to RBM',
+  remarks: 'Documents verified.',
+  link: 'http://localhost:5173/resignation/abc123',
+};
+
+// ─── resolveNextActors ────────────────────────────────────────────────────────
+
+describe('resolveNextActors — stage-to-role mapping', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-RNA-01: Level 1 Interview resolves to DD_ZM and RBM', async () => {
+    const zmUser = makeUser({ id: 'zm-1', roleCode: 'DD_ZM' });
+    const rbmUser = makeUser({ id: 'rbm-1', roleCode: 'RBM' });
+    mockParticipants.push(makeParticipant(zmUser), makeParticipant(rbmUser));
+
+    const actors = await resolveNextActors('app-1', 'application', 'Level 1 Interview');
+    expect(actors).toContain('zm-1');
+    expect(actors).toContain('rbm-1');
+  });
+
+  it('TC-RNA-02: Level 2 Interview resolves to ZBH and DD_LEAD', async () => {
+    const zbhUser = makeUser({ id: 'zbh-1', roleCode: 'ZBH' });
+    const leadUser = makeUser({ id: 'lead-1', roleCode: 'DD_LEAD' });
+    mockParticipants.push(makeParticipant(zbhUser), makeParticipant(leadUser));
+
+    const actors = await resolveNextActors('app-1', 'application', 'Level 2 Interview');
+    expect(actors).toContain('zbh-1');
+    expect(actors).toContain('lead-1');
+  });
+
+  it('TC-RNA-03: Level 3 Interview resolves to NBH and DD_HEAD', async () => {
+    const nbhUser = makeUser({ id: 'nbh-1', roleCode: 'NBH' });
+    const headUser = makeUser({ id: 'head-1', roleCode: 'DD_HEAD' });
+    mockParticipants.push(makeParticipant(nbhUser), makeParticipant(headUser));
+
+    const actors = await resolveNextActors('app-1', 'application', 'Level 3 Interview');
+    expect(actors).toContain('nbh-1');
+    expect(actors).toContain('head-1');
+  });
+
+  it('TC-RNA-04: LOI Approval resolves to DD_HEAD (DD Head has not yet approved)', async () => {
+    const headUser = makeUser({ id: 'head-1', roleCode: 'DD_HEAD' });
+    const nbhUser = makeUser({ id: 'nbh-1', roleCode: 'NBH' });
+    mockParticipants.push(makeParticipant(headUser), makeParticipant(nbhUser));
+
+    // StageApprovalAction returns empty (no approvals yet)
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalAction.findAll.mockResolvedValueOnce([]);
+
+    const actors = await resolveNextActors('app-1', 'application', 'LOI Approval');
+    // Sequential: DD Head first
+    expect(actors).toContain('head-1');
+    expect(actors).not.toContain('nbh-1');
+  });
+
+  it('TC-RNA-05: LOI Approval resolves to NBH after DD Head has approved', async () => {
+    const headUser = makeUser({ id: 'head-1', roleCode: 'DD_HEAD' });
+    const nbhUser = makeUser({ id: 'nbh-1', roleCode: 'NBH' });
+    mockParticipants.push(makeParticipant(headUser), makeParticipant(nbhUser));
+
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalAction.findAll.mockResolvedValueOnce([
+      { actorRole: 'DD Head' }, // DD Head already approved
+    ]);
+
+    const actors = await resolveNextActors('app-1', 'application', 'LOI Approval');
+    expect(actors).toContain('nbh-1');
+    expect(actors).not.toContain('head-1');
+  });
+
+  it('TC-RNA-06: NBH Approval stage resolves to NBH only', async () => {
+    const nbhUser = makeUser({ id: 'nbh-1', roleCode: 'NBH' });
+    mockParticipants.push(makeParticipant(nbhUser));
+
+    const actors = await resolveNextActors('res-1', 'resignation', 'NBH Approval');
+    expect(actors).toEqual(['nbh-1']);
+  });
+
+  it('TC-RNA-07: Legal Review stage resolves to LEGAL_ADMIN', async () => {
+    const legalUser = makeUser({ id: 'legal-1', roleCode: 'LEGAL_ADMIN' });
+    mockParticipants.push(makeParticipant(legalUser));
+
+    const actors = await resolveNextActors('res-1', 'resignation', 'Legal Review');
+    expect(actors).toContain('legal-1');
+  });
+
+  it('TC-RNA-08: Unknown stage returns empty array (no crash)', async () => {
+    const actors = await resolveNextActors('app-1', 'application', 'NonExistentStage');
+    expect(actors).toEqual([]);
+  });
+});
+
+// ─── notifyStakeholdersOnTransition ──────────────────────────────────────────
+
+describe('notifyStakeholdersOnTransition — channel selection per persona', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-NST-01: Next actor receives system + email + whatsapp channels', async () => {
+    const rbmUser = makeUser({ id: 'rbm-1', roleCode: 'RBM', mobileNumber: '+919800000001' });
+    mockParticipants.push(makeParticipant(rbmUser));
+
+    await notifyStakeholdersOnTransition('app-1', 'application', 'RBM Review', baseMeta);
+
+    expect(mockNotify).toHaveBeenCalledWith(
+      'rbm-1',
+      'user@re.com',
+      expect.objectContaining({
+        channels: expect.arrayContaining(['system', 'email', 'whatsapp']),
+        templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      })
+    );
+  });
+
+  it('TC-NST-02: Next actor without phone gets system + email only (no WhatsApp)', async () => {
+    const zbhUser = makeUser({ id: 'zbh-1', roleCode: 'ZBH', mobileNumber: null });
+    mockParticipants.push(makeParticipant(zbhUser));
+
+    await notifyStakeholdersOnTransition('app-1', 'application', 'ZBH Review', baseMeta);
+
+    expect(mockNotify).toHaveBeenCalledWith(
+      'zbh-1',
+      'user@re.com',
+      expect.objectContaining({
+        channels: expect.not.arrayContaining(['whatsapp']),
+      })
+    );
+  });
+
+  it('TC-NST-03: Send Back action notifies ASM via system + email + whatsapp', async () => {
+    const asmUser = makeUser({ id: 'asm-1', roleCode: 'ASM', mobileNumber: '+91900' });
+    mockParticipants.push(makeParticipant(asmUser));
+
+    await notifyStakeholdersOnTransition('res-1', 'resignation', 'ASM Review', {
+      ...baseMeta,
+      action: 'Sent Back to ASM for clarification',
+      actionUserFullName: 'DD Lead User', // different from ASM — won't be skipped
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith(
+      'asm-1',
+      expect.any(String),
+      expect.objectContaining({
+        channels: expect.arrayContaining(['system', 'email', 'whatsapp']),
+        templateCode: 'WORKFLOW_ACTION_REQUIRED',
+      })
+    );
+  });
+
+  it('TC-NST-04: Dealer receives system + email + whatsapp on Rejected terminal event', async () => {
+    const dealerUser = makeUser({
+      id: 'dealer-99',
+      roleCode: 'Dealer',
+      mobileNumber: '+91987654321',
+    });
+    mockParticipants.push(makeParticipant(dealerUser));
+
+    await notifyStakeholdersOnTransition('res-1', 'resignation', 'Rejected', {
+      ...baseMeta,
+      dealerId: 'dealer-99',
+    });
+
+    expect(mockNotify).toHaveBeenCalledWith(
+      'dealer-99',
+      expect.any(String),
+      expect.objectContaining({
+        channels: expect.arrayContaining(['system', 'email', 'whatsapp']),
+      })
+    );
+  });
+
+  it('TC-NST-05: Dealer receives in-app only on non-terminal interim stage', async () => {
+    const dealerUser = makeUser({
+      id: 'dealer-99',
+      roleCode: 'Dealer',
+      mobileNumber: '+91987654321',
+    });
+    mockParticipants.push(makeParticipant(dealerUser));
+
+    await notifyStakeholdersOnTransition('res-1', 'resignation', 'ZBH Review', {
+      ...baseMeta,
+      dealerId: 'dealer-99',
+    });
+
+    const dealerCall = mockNotify.mock.calls.find((c) => c[0] === 'dealer-99');
+    expect(dealerCall?.[2].channels).toEqual(['system']);
+  });
+
+  it('TC-NST-06: Key observers (DD_LEAD, DD_HEAD, NBH) receive in-app only on terminal events', async () => {
+    const leadUser = makeUser({ id: 'lead-1', roleCode: 'DD_LEAD', mobileNumber: '+91900' });
+    mockParticipants.push(makeParticipant(leadUser));
+
+    await notifyStakeholdersOnTransition('res-1', 'resignation', 'Completed', {
+      ...baseMeta,
+      dealerId: 'dealer-99',
+      actionUserFullName: 'DD Lead User', // acting user – but leadUser will still match key observer
+    });
+
+    const observerCall = mockNotify.mock.calls.find((c) => c[0] === 'lead-1');
+    // Key observer: only in-app (system)
+    expect(observerCall?.[2].channels).toEqual(['system']);
+  });
+
+  it('TC-NST-07: Acting user is skipped to avoid self-notification', async () => {
+    const actingUser = makeUser({
+      id: 'acting-1',
+      roleCode: 'ZBH',
+      fullName: 'Ravi Kumar (ASM)', // same as baseMeta.actionUserFullName
+    });
+    // actingUser is NOT the next actor (no role match for ZBH Review mapping)
+    mockParticipants.push(makeParticipant(actingUser));
+
+    await notifyStakeholdersOnTransition('app-1', 'application', 'ZBH Review', baseMeta);
+
+    // Should not notify the acting user (they are the one who just acted)
+    const actingCall = mockNotify.mock.calls.find((c) => c[0] === 'acting-1');
+    expect(actingCall).toBeUndefined();
+  });
+});
+
+// ─── notifyResignationSubmittedEmails ─────────────────────────────────────────
+
+describe('notifyResignationSubmittedEmails — channels on dealer submission', () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockParticipants.length = 0;
+  });
+
+  it('TC-NRSE-01: sends RESIGNATION_RECEIVED email to dealer on submission', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-1',
+      email: 'dealer@example.com',
+      fullName: 'Sunrise Dealers',
+      mobileNumber: '+919876543210',
+    });
+
+    const sendEmailMock = sendEmail as jest.Mock;
+
+    await notifyResignationSubmittedEmails({
+      id: 'res-uuid-1',
+      dealerId: 'dealer-1',
+      resignationId: 'RES-2026-0001',
+      lastOperationalDateSales: '2026-06-30',
+    });
+
+    expect(sendEmailMock).toHaveBeenCalledWith(
+      'dealer@example.com',
+      expect.stringContaining('RES-2026-0001'),
+      'RESIGNATION_RECEIVED',
+      expect.objectContaining({ dealerName: 'Sunrise Dealers' })
+    );
+  });
+
+  it('TC-NRSE-02: sends WhatsApp to dealer when mobileNumber is present', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-1',
+      email: 'dealer@example.com',
+      fullName: 'Sunrise Dealers',
+      mobileNumber: '+919876543210',
+    });
+
+    await notifyResignationSubmittedEmails({
+      id: 'res-uuid-1',
+      dealerId: 'dealer-1',
+      resignationId: 'RES-2026-0001',
+      lastOperationalDateSales: '2026-06-30',
+    });
+
+    const whatsappCall = mockNotify.mock.calls.find(
+      (c) => c[2].channels?.includes('whatsapp')
+    );
+    expect(whatsappCall).toBeDefined();
+    expect(whatsappCall?.[2].templateCode).toBe('RESIGNATION_RECEIVED');
+  });
+
+  it('TC-NRSE-03: notifies internal participants via email + system + whatsapp', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-1',
+      email: 'dealer@example.com',
+      fullName: 'Sunrise Dealers',
+      mobileNumber: '+919876543210',
+    });
+
+    const internalUser = makeUser({ id: 'asm-1', roleCode: 'ASM', mobileNumber: '+91111' });
+    mockParticipants.push(makeParticipant(internalUser));
+
+    await notifyResignationSubmittedEmails({
+      id: 'res-uuid-1',
+      dealerId: 'dealer-1',
+      resignationId: 'RES-2026-0001',
+    });
+
+    const internalCall = mockNotify.mock.calls.find((c) => c[0] === 'asm-1');
+    expect(internalCall?.[2].channels).toEqual(
+      expect.arrayContaining(['email', 'system', 'whatsapp'])
+    );
+    expect(internalCall?.[2].templateCode).toBe('RESIGNATION_SUBMITTED');
+  });
+
+  it('TC-NRSE-04: skips WhatsApp if dealer has no mobileNumber', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findByPk.mockResolvedValueOnce({
+      id: 'dealer-2',
+      email: 'dealer2@example.com',
+      fullName: 'No Phone Dealer',
+      mobileNumber: null,
+    });
+
+    await notifyResignationSubmittedEmails({
+      id: 'res-uuid-2',
+      dealerId: 'dealer-2',
+      resignationId: 'RES-2026-0002',
+    });
+
+    const whatsappCall = mockNotify.mock.calls.find(
+      (c) => c[0] === 'dealer-2' && c[2].channels?.includes('whatsapp')
+    );
+    expect(whatsappCall).toBeUndefined();
+  });
+});

src/__tests__/workflow-service.test.ts

@@ -0,0 +1,298 @@
+/**
+ * @file workflow-service.test.ts
+ * @description Tests for WorkflowService.transitionApplication — verifies that
+ * each status transition triggers the correct notifications, audit log entries,
+ * and SLA tracking calls.
+ *
+ * SRS Coverage:
+ *  §6.22   — Every workflow event is auto-logged in Audit Trail
+ *  §6.14.3 — Status transitions trigger in-system + email + WhatsApp for applicant
+ *  §6.16   — LOI Issued triggers LOI_ISSUED email template (not WhatsApp per SRS §1.1.2)
+ *  §9.4    — SLA tracking starts/stops on each stage transition
+ */
+
+import { WorkflowService } from '../services/WorkflowService.js';
+import { NotificationService } from '../services/NotificationService.js';
+import { SLAService } from '../services/SLAService.js';
+
+// ─── Mocks ───────────────────────────────────────────────────────────────────
+
+jest.mock('../database/models/index.js', () => {
+  const mockUpdate = jest.fn().mockResolvedValue(true);
+  const mockCreate = jest.fn().mockResolvedValue({ id: 'hist-1' });
+  const mockFindOne = jest.fn().mockResolvedValue(null);
+  const mockFindByPk = jest.fn().mockResolvedValue({ fullName: 'Test Actor' });
+
+  return {
+    default: {
+      Application: {},
+      ApplicationStatusHistory: { create: mockCreate },
+      User: { findOne: mockFindOne, findByPk: mockFindByPk },
+      Dealer: {},
+      StageApprovalPolicy: { findOne: jest.fn().mockResolvedValue(null) },
+      StageApprovalAction: { findAll: jest.fn().mockResolvedValue([]) },
+    },
+    __mocks__: { mockUpdate, mockCreate, mockFindOne },
+  };
+});
+
+jest.mock('../common/utils/progress.js', () => ({
+  syncApplicationProgress: jest.fn().mockResolvedValue(undefined),
+  PIPELINE_STAGE_LABEL_BY_OVERALL_STATUS: {},
+}));
+
+jest.mock('../common/config/constants.js', () => ({
+  AUDIT_ACTIONS: { UPDATED: 'UPDATED' },
+  APPLICATION_STAGES: { SHORTLISTED: 'Shortlisted', LOI_ISSUED: 'LOI Issued' },
+  OVERALL_STATUS_TO_DB_CURRENT_STAGE: {},
+}));
+
+jest.mock('../common/utils/workflow-email-notifications.js', () => ({
+  notifyStakeholdersOnTransition: jest.fn().mockResolvedValue(undefined),
+}));
+
+jest.mock('../services/applicationAuditLog.service.js', () => ({
+  pickApplicationAuditContext: jest.fn().mockReturnValue({}),
+  safeAuditLogCreate: jest.fn().mockResolvedValue(undefined),
+}));
+
+const mockSLAStop = jest.spyOn(SLAService, 'stopTrack').mockResolvedValue(undefined as any);
+const mockSLAStart = jest.spyOn(SLAService, 'startTrack').mockResolvedValue(undefined as any);
+const mockNotify = jest.spyOn(NotificationService, 'notify').mockResolvedValue(undefined);
+
+process.env.FRONTEND_URL = 'http://localhost:5173';
+
+// ─── Application fixture ─────────────────────────────────────────────────────
+
+const makeApp = (overrides: Record<string, any> = {}) => {
+  const app: any = {
+    id: 'app-uuid-001',
+    applicationId: 'APP-2026-001',
+    overallStatus: 'Shortlisted',
+    currentStage: 'Shortlisted',
+    progressPercentage: 20,
+    email: 'applicant@gmail.com',
+    applicantName: 'Rahul Verma',
+    mobileNumber: '+919876543210',
+    update: jest.fn().mockResolvedValue(true),
+    ...overrides,
+  };
+  return app;
+};
+
+// ─── Tests ────────────────────────────────────────────────────────────────────
+
+describe('WorkflowService.transitionApplication — status transitions', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-WS-01: updates application overallStatus to the target status', async () => {
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'Level 1 Interview Pending', 'user-1');
+    expect(app.update).toHaveBeenCalledWith(
+      expect.objectContaining({ overallStatus: 'Level 1 Interview Pending' })
+    );
+  });
+
+  it('TC-WS-02: creates an ApplicationStatusHistory record on each transition', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'Level 2 Interview Pending', 'user-2');
+    expect(db.ApplicationStatusHistory.create).toHaveBeenCalledWith(
+      expect.objectContaining({
+        applicationId: 'app-uuid-001',
+        previousStatus: 'Shortlisted',
+        newStatus: 'Level 2 Interview Pending',
+        changedBy: 'user-2',
+      })
+    );
+  });
+
+  it('TC-WS-03: skips redundant status history when status is already at target', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    const app = makeApp({ overallStatus: 'Level 1 Interview Pending' });
+    await WorkflowService.transitionApplication(app, 'Level 1 Interview Pending', 'user-1');
+    expect(db.ApplicationStatusHistory.create).not.toHaveBeenCalled();
+  });
+
+  it('TC-WS-04: calls safeAuditLogCreate with oldData and newData on each transition', async () => {
+    const { safeAuditLogCreate } = await import('../services/applicationAuditLog.service.js');
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'FDD Verification', 'user-fdd');
+    expect(safeAuditLogCreate).toHaveBeenCalledWith(
+      expect.objectContaining({
+        action: 'UPDATED',
+        entityType: 'application',
+        entityId: 'app-uuid-001',
+        oldData: expect.objectContaining({ status: 'Shortlisted' }),
+        newData: expect.objectContaining({ status: 'FDD Verification' }),
+      })
+    );
+  });
+
+  it('TC-WS-05: stops SLA tracking for the previous stage and starts for the new stage', async () => {
+    const app = makeApp({ currentStage: 'Level 1 Interview Pending' });
+    await WorkflowService.transitionApplication(app, 'FDD Verification', 'user-1');
+    expect(mockSLAStop).toHaveBeenCalledWith('app-uuid-001', 'Level 1 Interview Pending');
+  });
+
+  it('TC-WS-06: triggers NotificationService.notify for the applicant on any status transition', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findOne.mockResolvedValueOnce({ id: 'sys-user-1', mobileNumber: '+91123' });
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'Level 1 Interview Pending', 'user-admin');
+    expect(mockNotify).toHaveBeenCalledWith(
+      expect.any(String),
+      'applicant@gmail.com',
+      expect.objectContaining({
+        title: expect.stringContaining('Onboarding Update'),
+        channels: expect.arrayContaining(['email', 'system']),
+      })
+    );
+  });
+
+  it('TC-WS-07: uses LOI_ISSUED template when target status is "LOI Issued"', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findOne.mockResolvedValueOnce({ id: 'sys-user-1', mobileNumber: '+91123' });
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'LOI Issued', 'admin-1');
+    expect(mockNotify).toHaveBeenCalledWith(
+      expect.anything(),
+      'applicant@gmail.com',
+      expect.objectContaining({ templateCode: 'LOI_ISSUED' })
+    );
+  });
+
+  it('TC-WS-08: uses LOA_ISSUED template when target status is "LOA Issued"', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findOne.mockResolvedValueOnce({ id: 'sys-user-1', mobileNumber: '+91123' });
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'LOA Issued', 'admin-1');
+    expect(mockNotify).toHaveBeenCalledWith(
+      expect.anything(),
+      'applicant@gmail.com',
+      expect.objectContaining({ templateCode: 'LOA_ISSUED' })
+    );
+  });
+
+  it('TC-WS-09: uses DEALER_CODE_READY template when target status is "Dealer Code Generated"', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findOne.mockResolvedValueOnce({ id: 'sys-user-1', mobileNumber: null });
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'Dealer Code Generated', 'admin-1');
+    expect(mockNotify).toHaveBeenCalledWith(
+      expect.anything(),
+      'applicant@gmail.com',
+      expect.objectContaining({ templateCode: 'DEALER_CODE_READY' })
+    );
+  });
+
+  it('TC-WS-10: notifyStakeholdersOnTransition is called for every transition', async () => {
+    const { notifyStakeholdersOnTransition } = await import('../common/utils/workflow-email-notifications.js');
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'ZBH Review', 'user-zbh');
+    expect(notifyStakeholdersOnTransition).toHaveBeenCalledWith(
+      'app-uuid-001',
+      'application',
+      'ZBH Review',
+      expect.objectContaining({
+        code: 'APP-2026-001',
+        dealerName: 'Rahul Verma',
+      })
+    );
+  });
+
+  it('TC-WS-11: skips applicant notification when skipNotification metadata is true', async () => {
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'Shortlisted', 'admin-1', {
+      skipNotification: true,
+      forceLog: true,
+    });
+    expect(mockNotify).not.toHaveBeenCalled();
+  });
+
+  it('TC-WS-12: includes applicant mobileNumber in WhatsApp placeholders', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.User.findOne.mockResolvedValueOnce({
+      id: 'sys-user-1',
+      mobileNumber: '+919876543210',
+    });
+    const app = makeApp();
+    await WorkflowService.transitionApplication(app, 'FDD Verification', 'admin-1');
+    const notifyCall = mockNotify.mock.calls.find(
+      (c) => c[1] === 'applicant@gmail.com'
+    );
+    expect(notifyCall?.[2].placeholders?.phone).toBeTruthy();
+  });
+});
+
+// ─── WorkflowService.evaluateStagePolicy ─────────────────────────────────────
+
+describe('WorkflowService.evaluateStagePolicy — multi-role gate logic', () => {
+  beforeEach(() => jest.clearAllMocks());
+
+  it('TC-WESP-01: returns policyMet=true when no active policy exists for the stage', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalPolicy.findOne.mockResolvedValueOnce(null);
+    const result = await WorkflowService.evaluateStagePolicy('app-1', 'SOME_STAGE');
+    expect(result.policyMet).toBe(true);
+  });
+
+  it('TC-WESP-02: Super Admin bypass — always returns policyMet=true', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalPolicy.findOne.mockResolvedValueOnce({
+      requiredRoles: ['DD_ZM', 'RBM'],
+      approvalMode: 'ALL',
+      minApprovals: 2,
+    });
+    db.StageApprovalAction.findAll.mockResolvedValueOnce([
+      { actorUserId: 'su-1', actorRole: 'Super Admin', decision: 'Approved' },
+    ]);
+    const result = await WorkflowService.evaluateStagePolicy('app-1', 'LEVEL_1');
+    expect(result.policyMet).toBe(true);
+    expect(result.overriddenBy).toBe('Super Admin');
+  });
+
+  it('TC-WESP-03: MIN_N mode — policyMet=true when minApprovals threshold is reached', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalPolicy.findOne.mockResolvedValueOnce({
+      requiredRoles: ['DD_ZM', 'RBM'],
+      approvalMode: 'MIN_N',
+      minApprovals: 1,
+    });
+    db.StageApprovalAction.findAll.mockResolvedValueOnce([
+      { actorUserId: 'zm-1', actorRole: 'DD_ZM', decision: 'Approved' },
+    ]);
+    const result = await WorkflowService.evaluateStagePolicy('app-1', 'LEVEL_1');
+    expect(result.policyMet).toBe(true);
+  });
+
+  it('TC-WESP-04: ALL mode — policyMet=false when only one of two required roles responded', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalPolicy.findOne.mockResolvedValueOnce({
+      requiredRoles: ['DD_ZM', 'RBM'],
+      approvalMode: 'ALL',
+      minApprovals: 2,
+    });
+    db.StageApprovalAction.findAll.mockResolvedValueOnce([
+      { actorUserId: 'zm-1', actorRole: 'DD_ZM', decision: 'Approved' },
+      // RBM has NOT responded yet
+    ]);
+    const result = await WorkflowService.evaluateStagePolicy('app-1', 'LEVEL_1');
+    expect(result.policyMet).toBe(false);
+  });
+
+  it('TC-WESP-05: ALL mode — policyMet=true when both RBM and DD_ZM have responded', async () => {
+    const db = (await import('../database/models/index.js')).default as any;
+    db.StageApprovalPolicy.findOne.mockResolvedValueOnce({
+      requiredRoles: ['DD_ZM', 'RBM'],
+      approvalMode: 'ALL',
+      minApprovals: 2,
+    });
+    db.StageApprovalAction.findAll.mockResolvedValueOnce([
+      { actorUserId: 'zm-1', actorRole: 'DD_ZM', decision: 'Approved' },
+      { actorUserId: 'rbm-1', actorRole: 'RBM', decision: 'Approved' },
+    ]);
+    const result = await WorkflowService.evaluateStagePolicy('app-1', 'LEVEL_1');
+    expect(result.policyMet).toBe(true);
+  });
+});

src/constants/allowed-email-template-codes.ts

@@ -3,11 +3,16 @@
  */
 export const ALLOWED_EMAIL_TEMPLATE_CODES = [
     'APPLICANT_SHORTLISTED',
+    'APPLICANT_REJECTED',
     'CONSTITUTIONAL_CHANGE_SUBMITTED',
     'CONSTITUTIONAL_CHANGE_UPDATE',
     'DEALER_CODE_READY',
+    'EOR_COMPLETED',
+    'FNF_INITIATED',
     'GENERIC_NOTIFICATION',
     'INTERVIEW_SCHEDULED',
+    'INTERVIEW_SCHEDULED_APPLICANT',
+    'INTERVIEW_SCHEDULED_PANELIST',
     'LOA_ISSUED',
     'LOI_ISSUED',
     'NON_OPPORTUNITY',
@@ -26,10 +31,13 @@ export const ALLOWED_EMAIL_TEMPLATE_CODES = [
     'SLA_REMINDER',
     'SLA_BREACH',
     'SLA_ESCALATION',
+    'TERMINATION_INITIATED',
     'TERMINATION_SCN_ISSUED',
     'TERMINATION_UPDATE',
     'USER_ASSIGNED',
-    'WORKNOTE_NOTIFICATION'
+    'WORKNOTE_NOTIFICATION',
+    'WORKFLOW_ACTION_REQUIRED',
+    'WORKFLOW_STATUS_UPDATE_DEALER',
 ] as const;
 
 export type AllowedEmailTemplateCode = (typeof ALLOWED_EMAIL_TEMPLATE_CODES)[number];

src/emailtemplates/applicant_rejected.html

@@ -0,0 +1,34 @@
+{{> email_header}}
+
+<div class="section">
+  <h2>Application Rejected — {{applicationId}}</h2>
+  <p>Dear {{applicantName}},</p>
+  <p>
+    We regret to inform you that your Royal Enfield Dealership Application
+    (<strong>{{applicationId}}</strong>) for location <strong>{{location}}</strong>
+    has been <strong>rejected</strong> after careful evaluation.
+  </p>
+
+  {{#if rejectionReason}}
+  <div class="highlight-box" style="background:#fff3f3; border-left:4px solid #e53935;">
+    <strong>Reason for Rejection:</strong><br />
+    {{rejectionReason}}
+  </div>
+  {{/if}}
+
+  <p>
+    We appreciate your interest in partnering with Royal Enfield.
+    You may reapply in the future when opportunities are available in your area.
+  </p>
+
+  <p>
+    For any queries, please contact your local RE representative or reach us at
+    <a href="mailto:dealer-support@royalenfield.com">dealer-support@royalenfield.com</a>.
+  </p>
+
+  <p>We wish you all the best in your endeavours.</p>
+
+  <p>Best Regards,<br /><strong>Royal Enfield Dealer Development Team</strong></p>
+</div>
+
+{{> email_footer}}

src/emailtemplates/eor_completed.html

@@ -0,0 +1,38 @@
+{{> email_header}}
+
+<div class="section">
+  <h2>EOR Checklist Complete — {{requestId}}</h2>
+  <p>Dear {{recipientName}},</p>
+  <p>
+    All <strong>Essential Operating Requirements (EOR)</strong> for dealer application
+    <strong>{{requestId}}</strong> (Applicant: <strong>{{applicantName}}</strong>) have been
+    marked as completed and verified.
+  </p>
+
+  <div class="highlight-box" style="background:#e8f5e9; border-left:4px solid #43a047;">
+    <strong>EOR Status: 100% Complete</strong><br />
+    The dealership outlet is now ready for Inauguration review.
+  </div>
+
+  <table class="detail-table">
+    <tr><td><strong>Application ID</strong></td><td>{{requestId}}</td></tr>
+    <tr><td><strong>Applicant Name</strong></td><td>{{applicantName}}</td></tr>
+    <tr><td><strong>Location</strong></td><td>{{location}}</td></tr>
+    <tr><td><strong>Completed On</strong></td><td>{{completedOn}}</td></tr>
+  </table>
+
+  <p>
+    Please review the EOR checklist and, if all criteria are met, authorize the
+    <strong>Inauguration</strong> stage to mark this dealership as live.
+  </p>
+
+  <div style="text-align:center; margin: 24px 0;">
+    {{> cta_button}}
+  </div>
+
+  <p style="color:#888; font-size:12px;">
+    This is an automated alert from the Royal Enfield Dealer Onboarding System.
+  </p>
+</div>
+
+{{> email_footer}}

src/emailtemplates/fnf_initiated.html

@@ -0,0 +1,35 @@
+{{> email_header}}
+
+<div class="section">
+  <h2>Full & Final Settlement Initiated — {{requestId}}</h2>
+  <p>Dear {{recipientName}},</p>
+  <p>
+    The Full &amp; Final (F&amp;F) settlement process has been initiated for dealer
+    <strong>{{dealerName}}</strong> (Request: <strong>{{requestId}}</strong>)
+    effective from the Last Working Day.
+  </p>
+
+  <table class="detail-table">
+    <tr><td><strong>Request ID</strong></td><td>{{requestId}}</td></tr>
+    <tr><td><strong>Dealer Name</strong></td><td>{{dealerName}}</td></tr>
+    <tr><td><strong>Initiated By</strong></td><td>{{initiatedBy}}</td></tr>
+    <tr><td><strong>Last Working Day</strong></td><td>{{lwd}}</td></tr>
+  </table>
+
+  <p>
+    All department clearances (NOC, Payables, Receivables, etc.) must be submitted
+    within the stipulated timeline. Please log in and update your department's
+    clearance status.
+  </p>
+
+  <div style="text-align:center; margin: 24px 0;">
+    {{> cta_button}}
+  </div>
+
+  <p style="color:#888; font-size:12px;">
+    This is a system-generated notification. F&amp;F settlement can only be
+    initiated on or after the Last Working Day as per Royal Enfield policy.
+  </p>
+</div>
+
+{{> email_footer}}

src/emailtemplates/termination_initiated.html

@@ -0,0 +1,41 @@
+{{> email_header}}
+
+<div class="section">
+  <h2>Dealer Termination Initiated — {{requestId}}</h2>
+  <p>Dear {{recipientName}},</p>
+  <p>
+    A formal termination process has been initiated for dealer
+    <strong>{{dealerName}}</strong> (Request: <strong>{{requestId}}</strong>).
+  </p>
+
+  <table class="detail-table">
+    <tr><td><strong>Request ID</strong></td><td>{{requestId}}</td></tr>
+    <tr><td><strong>Dealer Name</strong></td><td>{{dealerName}}</td></tr>
+    <tr><td><strong>Termination Category</strong></td><td>{{category}}</td></tr>
+    <tr><td><strong>Initiated By</strong></td><td>{{initiatedBy}}</td></tr>
+    <tr><td><strong>Current Stage</strong></td><td>{{currentStage}}</td></tr>
+  </table>
+
+  {{#if remarks}}
+  <div class="highlight-box" style="background:#fff8e1; border-left:4px solid #fb8c00;">
+    <strong>Remarks:</strong><br />
+    {{remarks}}
+  </div>
+  {{/if}}
+
+  <p>
+    Please review the termination case and provide your evaluation as required.
+    All decisions must be documented with mandatory work notes.
+  </p>
+
+  <div style="text-align:center; margin: 24px 0;">
+    {{> cta_button}}
+  </div>
+
+  <p style="color:#888; font-size:12px;">
+    This notification is confidential and intended only for the named recipient.
+    Do not share this information externally without authorization.
+  </p>
+</div>
+
+{{> email_footer}}

src/emailtemplates/workflow_action_required.html

@@ -0,0 +1,30 @@
+{{> email_header}}
+
+<div class="section">
+  <h2>Action Required: {{requestId}}</h2>
+  <p>Hi,</p>
+  <p>
+    The request <strong>{{requestId}}</strong>
+    {{#if dealerName}}(Dealer: <strong>{{dealerName}}</strong>){{/if}}
+    has reached the <strong>{{targetStage}}</strong> stage and requires your review and action.
+  </p>
+
+  {{#if remarks}}
+  <div class="highlight-box">
+    <strong>Remarks from previous stage:</strong><br />
+    {{remarks}}
+  </div>
+  {{/if}}
+
+  <p>Please log in to the RE Dealer Management Portal to review the case details and take action.</p>
+
+  <div style="text-align:center; margin: 24px 0;">
+    {{> cta_button}}
+  </div>
+
+  <p style="color:#888; font-size:12px;">
+    This is an automated notification. Please do not reply to this email.
+  </p>
+</div>
+
+{{> email_footer}}

src/emailtemplates/workflow_status_update_dealer.html

@@ -0,0 +1,28 @@
+{{> email_header}}
+
+<div class="section">
+  <h2>Update on Your Request — {{requestId}}</h2>
+  <p>Dear {{dealerName}},</p>
+  <p>
+    Your request <strong>{{requestId}}</strong> has been updated.
+    Current status: <strong>{{targetStage}}</strong>.
+  </p>
+
+  {{#if remarks}}
+  <div class="highlight-box">
+    <strong>Note:</strong> {{remarks}}
+  </div>
+  {{/if}}
+
+  <p>You can track the live progress of your request on the dealer portal:</p>
+
+  <div style="text-align:center; margin: 24px 0;">
+    {{> cta_button}}
+  </div>
+
+  <p style="color:#888; font-size:12px;">
+    This is an automated status update. If you have questions, please contact your assigned Area Sales Manager.
+  </p>
+</div>
+
+{{> email_footer}}

src/scripts/seed-missing-templates.ts

@@ -0,0 +1,316 @@
+/**
+ * @file seed-missing-templates.ts
+ * @description Seeds the 6 email templates that are referenced in workflow code
+ * but were missing from the DB and the allowed-email-template-codes list.
+ *
+ * Run with: npx ts-node src/scripts/seed-missing-templates.ts
+ */
+
+import db from '../database/models/index.js';
+
+const seedMissingTemplates = async () => {
+    try {
+        console.log('--- Seeding Missing Workflow Email Templates ---');
+
+        const templates = [
+            // ── 1. Workflow Action Required ────────────────────────────────────────
+            // Used in: workflow-email-notifications.ts (next-actor, send-back notifications)
+            //          constitutional.controller.ts
+            // Recipients: DD-ZM, RBM, ZBH, DD-Lead, DD-Head, NBH, Legal, Finance, FDD
+            // Channels:   system + email + whatsapp (when phone available)
+            {
+                templateCode: 'WORKFLOW_ACTION_REQUIRED',
+                description: 'Sent to the next actor in any workflow when their action is required. Used across Onboarding, Resignation, Termination, Constitutional, and Relocation.',
+                subject: 'Action Required: {{requestId}} — {{targetStage}}',
+                body: `
+<div style="font-family:Arial,sans-serif;max-width:600px;margin:0 auto;padding:20px;">
+  <div style="background:#c8102e;padding:20px;border-radius:8px 8px 0 0;">
+    <h2 style="color:#fff;margin:0;font-size:20px;">Action Required</h2>
+  </div>
+  <div style="background:#f9f9f9;padding:24px;border-radius:0 0 8px 8px;border:1px solid #eee;">
+    <p>Hi,</p>
+    <p>
+      The request <strong>{{requestId}}</strong>
+      {{#if dealerName}}(Dealer: <strong>{{dealerName}}</strong>){{/if}}
+      has reached the <strong>{{targetStage}}</strong> stage and requires your review and action.
+    </p>
+    {{#if remarks}}
+    <div style="background:#fff8e1;border-left:4px solid #fb8c00;padding:12px 16px;margin:16px 0;">
+      <strong>Remarks:</strong><br/>{{remarks}}
+    </div>
+    {{/if}}
+    <p>Please log in to the RE Dealer Management Portal to review and act:</p>
+    <div style="text-align:center;margin:24px 0;">
+      <a href="{{link}}" style="background:#c8102e;color:#fff;padding:12px 28px;border-radius:6px;text-decoration:none;font-weight:bold;">
+        {{#if ctaLabel}}{{ctaLabel}}{{else}}Review & Take Action{{/if}}
+      </a>
+    </div>
+    <p style="color:#888;font-size:12px;">This is an automated notification. Do not reply to this email.</p>
+  </div>
+</div>`,
+                placeholders: ['requestId', 'dealerName', 'targetStage', 'link', 'remarks', 'ctaLabel']
+            },
+
+            // ── 2. Workflow Status Update — Dealer ─────────────────────────────────
+            // Used in: workflow-email-notifications.ts (dealer on interim + terminal events)
+            // Recipients: Dealer / Applicant
+            // Channels:   system always; email+whatsapp on terminal (rejection/completion)
+            {
+                templateCode: 'WORKFLOW_STATUS_UPDATE_DEALER',
+                description: 'Milestone/status update sent to the dealer or applicant when their request moves to a new stage.',
+                subject: 'Update on Your Request — {{requestId}}',
+                body: `
+<div style="font-family:Arial,sans-serif;max-width:600px;margin:0 auto;padding:20px;">
+  <div style="background:#c8102e;padding:20px;border-radius:8px 8px 0 0;">
+    <h2 style="color:#fff;margin:0;font-size:20px;">Request Status Update</h2>
+  </div>
+  <div style="background:#f9f9f9;padding:24px;border-radius:0 0 8px 8px;border:1px solid #eee;">
+    <p>Dear {{dealerName}},</p>
+    <p>
+      Your request <strong>{{requestId}}</strong> has been updated.
+      Current status: <strong>{{targetStage}}</strong>.
+    </p>
+    {{#if remarks}}
+    <div style="background:#f0f4ff;border-left:4px solid #3d6be8;padding:12px 16px;margin:16px 0;">
+      <strong>Note:</strong> {{remarks}}
+    </div>
+    {{/if}}
+    <p>Track the live progress of your request:</p>
+    <div style="text-align:center;margin:24px 0;">
+      <a href="{{link}}" style="background:#c8102e;color:#fff;padding:12px 28px;border-radius:6px;text-decoration:none;font-weight:bold;">
+        View Request
+      </a>
+    </div>
+    <p style="color:#888;font-size:12px;">
+      For queries, contact your assigned Area Sales Manager.
+    </p>
+  </div>
+</div>`,
+                placeholders: ['requestId', 'dealerName', 'targetStage', 'link', 'remarks']
+            },
+
+            // ── 3. F&F Initiated ───────────────────────────────────────────────────
+            // Used in: resignation.controller.ts (when F&F is triggered on LWD)
+            //          termination.controller.ts (post-termination F&F)
+            // Recipients: Finance team, Department heads, DD-Admin
+            // Channels:   system + email
+            {
+                templateCode: 'FNF_INITIATED',
+                description: 'Notifies Finance and department heads when Full & Final (F&F) settlement is triggered on the Last Working Day.',
+                subject: 'F&F Settlement Initiated — {{requestId}}',
+                body: `
+<div style="font-family:Arial,sans-serif;max-width:600px;margin:0 auto;padding:20px;">
+  <div style="background:#c8102e;padding:20px;border-radius:8px 8px 0 0;">
+    <h2 style="color:#fff;margin:0;font-size:20px;">Full &amp; Final Settlement Initiated</h2>
+  </div>
+  <div style="background:#f9f9f9;padding:24px;border-radius:0 0 8px 8px;border:1px solid #eee;">
+    <p>Dear {{recipientName}},</p>
+    <p>
+      The Full &amp; Final (F&amp;F) settlement process has been initiated for dealer
+      <strong>{{dealerName}}</strong> (Request: <strong>{{requestId}}</strong>).
+    </p>
+    <table style="width:100%;border-collapse:collapse;margin:16px 0;">
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Request ID</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{requestId}}</td>
+      </tr>
+      <tr>
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Dealer Name</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{dealerName}}</td>
+      </tr>
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Last Working Day</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{lwd}}</td>
+      </tr>
+      <tr>
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Initiated By</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{initiatedBy}}</td>
+      </tr>
+    </table>
+    <p>Please update your department clearance status promptly.</p>
+    <div style="text-align:center;margin:24px 0;">
+      <a href="{{link}}" style="background:#c8102e;color:#fff;padding:12px 28px;border-radius:6px;text-decoration:none;font-weight:bold;">
+        View F&amp;F Settlement
+      </a>
+    </div>
+    <p style="color:#888;font-size:12px;">
+      Per Royal Enfield policy, F&amp;F settlement is initiated only on or after the Last Working Day.
+    </p>
+  </div>
+</div>`,
+                placeholders: ['recipientName', 'dealerName', 'requestId', 'lwd', 'initiatedBy', 'link']
+            },
+
+            // ── 4. EOR Completed ───────────────────────────────────────────────────
+            // Used in: eor.controller.ts (when all EOR checklist items are complete)
+            // Recipients: DD-Head, NBH
+            // Channels:   system (alert only — no email per SRS §6.19.3.4 design choice)
+            //             Adding email template so Admin can optionally enable
+            {
+                templateCode: 'EOR_COMPLETED',
+                description: 'Alert to DD-Head and NBH when 100% of EOR (Essential Operating Requirements) checklist items are verified. Signals readiness for Inauguration stage.',
+                subject: 'EOR Checklist Complete — Ready for Inauguration: {{requestId}}',
+                body: `
+<div style="font-family:Arial,sans-serif;max-width:600px;margin:0 auto;padding:20px;">
+  <div style="background:#2e7d32;padding:20px;border-radius:8px 8px 0 0;">
+    <h2 style="color:#fff;margin:0;font-size:20px;">✓ EOR Checklist — 100% Complete</h2>
+  </div>
+  <div style="background:#f9f9f9;padding:24px;border-radius:0 0 8px 8px;border:1px solid #eee;">
+    <p>Dear {{recipientName}},</p>
+    <p>
+      All <strong>Essential Operating Requirements (EOR)</strong> for dealer application
+      <strong>{{requestId}}</strong> (Applicant: <strong>{{applicantName}}</strong>)
+      have been completed and verified.
+    </p>
+    <div style="background:#e8f5e9;border-left:4px solid #43a047;padding:12px 16px;margin:16px 0;">
+      <strong>EOR Status: 100% Complete</strong><br/>
+      The dealership is now ready for Inauguration review.
+    </div>
+    <table style="width:100%;border-collapse:collapse;margin:16px 0;">
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Application ID</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{requestId}}</td>
+      </tr>
+      <tr>
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Applicant</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{applicantName}}</td>
+      </tr>
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Location</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{location}}</td>
+      </tr>
+      <tr>
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Completed On</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{completedOn}}</td>
+      </tr>
+    </table>
+    <p>Please review and authorize the <strong>Inauguration</strong> stage to mark this dealership as Live.</p>
+    <div style="text-align:center;margin:24px 0;">
+      <a href="{{link}}" style="background:#2e7d32;color:#fff;padding:12px 28px;border-radius:6px;text-decoration:none;font-weight:bold;">
+        Authorize Inauguration
+      </a>
+    </div>
+  </div>
+</div>`,
+                placeholders: ['recipientName', 'applicantName', 'requestId', 'location', 'completedOn', 'link']
+            },
+
+            // ── 5. Applicant Rejected ──────────────────────────────────────────────
+            // Used in: WorkflowService.transitionApplication (any rejection)
+            // Recipients: Applicant (external)
+            // Channels:   email (SRS §6.12.3 — rejection via email)
+            //             WhatsApp if mobileNumber present
+            {
+                templateCode: 'APPLICANT_REJECTED',
+                description: 'Sent to the applicant/dealer when their application is rejected at any stage of the onboarding process.',
+                subject: 'Update on Your Dealership Application — {{applicationId}}',
+                body: `
+<div style="font-family:Arial,sans-serif;max-width:600px;margin:0 auto;padding:20px;">
+  <div style="background:#b71c1c;padding:20px;border-radius:8px 8px 0 0;">
+    <h2 style="color:#fff;margin:0;font-size:20px;">Application Status Update</h2>
+  </div>
+  <div style="background:#f9f9f9;padding:24px;border-radius:0 0 8px 8px;border:1px solid #eee;">
+    <p>Dear {{applicantName}},</p>
+    <p>
+      We regret to inform you that your Royal Enfield Dealership Application
+      (<strong>{{applicationId}}</strong>) for location <strong>{{location}}</strong>
+      has been <strong>rejected</strong> after careful evaluation.
+    </p>
+    {{#if rejectionReason}}
+    <div style="background:#fff3f3;border-left:4px solid #e53935;padding:12px 16px;margin:16px 0;">
+      <strong>Reason:</strong><br/>{{rejectionReason}}
+    </div>
+    {{/if}}
+    <p>
+      We appreciate your interest in partnering with Royal Enfield. You may reapply
+      when opportunities are available in your area in the future.
+    </p>
+    <p>
+      For any queries, contact us at
+      <a href="mailto:dealer-support@royalenfield.com">dealer-support@royalenfield.com</a>.
+    </p>
+    <p>Best Regards,<br/><strong>Royal Enfield Dealer Development Team</strong></p>
+  </div>
+</div>`,
+                placeholders: ['applicantName', 'applicationId', 'location', 'rejectionReason']
+            },
+
+            // ── 6. Termination Initiated ───────────────────────────────────────────
+            // Used in: termination.controller.ts (case creation)
+            // Recipients: RBM, DD-ZM, ZBH, DD-Lead, Legal, NBH
+            // Channels:   system + email + whatsapp
+            {
+                templateCode: 'TERMINATION_INITIATED',
+                description: 'Notifies internal stakeholders (RBM, DD-ZM, ZBH, Legal, NBH) when a dealer termination case is formally initiated by ASM.',
+                subject: 'Dealer Termination Case Initiated — {{requestId}}',
+                body: `
+<div style="font-family:Arial,sans-serif;max-width:600px;margin:0 auto;padding:20px;">
+  <div style="background:#4a148c;padding:20px;border-radius:8px 8px 0 0;">
+    <h2 style="color:#fff;margin:0;font-size:20px;">Dealer Termination Case Initiated</h2>
+  </div>
+  <div style="background:#f9f9f9;padding:24px;border-radius:0 0 8px 8px;border:1px solid #eee;">
+    <p>Dear {{recipientName}},</p>
+    <p>
+      A formal termination process has been initiated for dealer
+      <strong>{{dealerName}}</strong> (Request ID: <strong>{{requestId}}</strong>).
+    </p>
+    <table style="width:100%;border-collapse:collapse;margin:16px 0;">
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Request ID</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{requestId}}</td>
+      </tr>
+      <tr>
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Dealer Name</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{dealerName}}</td>
+      </tr>
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Termination Category</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{category}}</td>
+      </tr>
+      <tr>
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Initiated By</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{initiatedBy}}</td>
+      </tr>
+      <tr style="background:#f0f0f0;">
+        <td style="padding:8px;border:1px solid #ddd;"><strong>Current Stage</strong></td>
+        <td style="padding:8px;border:1px solid #ddd;">{{currentStage}}</td>
+      </tr>
+    </table>
+    {{#if remarks}}
+    <div style="background:#fff8e1;border-left:4px solid #fb8c00;padding:12px 16px;margin:16px 0;">
+      <strong>Remarks:</strong><br/>{{remarks}}
+    </div>
+    {{/if}}
+    <p>Please review the case and provide your evaluation with mandatory work notes.</p>
+    <div style="text-align:center;margin:24px 0;">
+      <a href="{{link}}" style="background:#4a148c;color:#fff;padding:12px 28px;border-radius:6px;text-decoration:none;font-weight:bold;">
+        Review Termination Case
+      </a>
+    </div>
+    <p style="color:#888;font-size:12px;">
+      This notification is confidential. Do not share externally without authorization.
+    </p>
+  </div>
+</div>`,
+                placeholders: ['recipientName', 'dealerName', 'requestId', 'category', 'initiatedBy', 'currentStage', 'remarks', 'link']
+            }
+        ];
+
+        for (const t of templates) {
+            const [, created] = await db.EmailTemplate.upsert({
+                ...t,
+                isActive: true
+            });
+            console.log(`${created ? 'Created' : 'Updated'}: ${t.templateCode}`);
+        }
+
+        console.log('\n--- Missing Templates Seeded Successfully ---');
+        console.log(`Total: ${templates.length} templates seeded.`);
+        process.exit(0);
+    } catch (error) {
+        console.error('Error seeding missing templates:', error);
+        process.exit(1);
+    }
+};
+
+seedMissingTemplates();