Possible reasons:

– The FundCode case must match the $col["name"]
– The leading zero code logic can be verified by debugging $data at end of function
– If you pass last argument as true, functions will act as a data filter, and insert/update will be performed by grid. e.g.
$e["on_insert"] = array("add_client", null, true);

You can put following code inside event handler to see $data content.

ob_start();
print_r($data);
$str = ob_get_clean();
phpgrid_error($str);