CREATE TABLE IF NOT EXISTS `account_refunds` (
    `id` BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
    `client_id` BIGINT UNSIGNED NOT NULL,
    `amount` DECIMAL(12,2) NOT NULL,
    `bank_name` VARCHAR(150) NOT NULL,
    `account_name` VARCHAR(150) NOT NULL,
    `account_number` VARCHAR(100) NOT NULL,
    `ifsc_code` VARCHAR(30) NOT NULL,
    `status` VARCHAR(20) NOT NULL DEFAULT 'pending',
    `requested_at` DATETIME NOT NULL,
    `created_by` BIGINT UNSIGNED NULL,
    `sent_at` DATETIME NULL,
    `sent_by` BIGINT UNSIGNED NULL,
    `transfer_reference` VARCHAR(100) NULL,
    `created_at` TIMESTAMP NULL DEFAULT NULL,
    `updated_at` TIMESTAMP NULL DEFAULT NULL,
    PRIMARY KEY (`id`),
    UNIQUE KEY `account_refunds_client_unique` (`client_id`),
    KEY `account_refunds_status_requested_index` (`status`, `requested_at`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;