{% if raw_data.emi_amt_upto_emi_ovd_capping is defined %}
                {{ raw_data.emi_amt_upto_emi_ovd_capping }}
            {% elif raw_data.emi_amount is defined %}
                {% set emi = raw_data.emi_amount|default(0) %}
                {% set overdue_months = (coll_days_overdue / 30)|round|int %}
                {{ emi * (overdue_months + 1) }}
            {% else %}
                0
            {% endif %}