feat(investment): FD with other banks - placement, maturity, premature, renewal, interest and RBI limits

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandWrapperBuilder.java

@@ -183,6 +183,54 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createInvestmentFd() {
+        this.actionName = "CREATE";
+        this.entityName = "INVESTMENTFD";
+        this.entityId = null;
+        this.href = "/investment/fds";
+        return this;
+    }
+
+    public CommandWrapperBuilder matureInvestmentFd(final Long fdId) {
+        this.actionName = "MATURE";
+        this.entityName = "INVESTMENTFD";
+        this.entityId = fdId;
+        this.href = "/investment/fds/" + fdId + "/mature";
+        return this;
+    }
+
+    public CommandWrapperBuilder prematureInvestmentFd(final Long fdId) {
+        this.actionName = "PREMATURE";
+        this.entityName = "INVESTMENTFD";
+        this.entityId = fdId;
+        this.href = "/investment/fds/" + fdId + "/premature";
+        return this;
+    }
+
+    public CommandWrapperBuilder renewInvestmentFd(final Long fdId) {
+        this.actionName = "RENEW";
+        this.entityName = "INVESTMENTFD";
+        this.entityId = fdId;
+        this.href = "/investment/fds/" + fdId + "/renew";
+        return this;
+    }
+
+    public CommandWrapperBuilder postInvestmentFdInterest(final Long fdId) {
+        this.actionName = "POSTINTEREST";
+        this.entityName = "INVESTMENTFD";
+        this.entityId = fdId;
+        this.href = "/investment/fds/" + fdId + "/interest";
+        return this;
+    }
+
+    public CommandWrapperBuilder setInvestmentDepositBase() {
+        this.actionName = "SETBASE";
+        this.entityName = "INVESTMENTFD";
+        this.entityId = null;
+        this.href = "/investment/fds/deposit-base";
+        return this;
+    }
+
     public CommandWrapperBuilder amortiseInvestmentPremium() {
         this.actionName = "AMORTISE";
         this.entityName = "INVESTMENTSALE";

fineract-provider/src/main/java/org/apache/fineract/portfolio/branchday/api/BranchDayRegisterApiResource.java

@@ -46,6 +46,7 @@ import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.cashreport.service.VaultPositionService;
 import org.apache.fineract.portfolio.denominationmaster.service.CountedCashLedger;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdInterestService;
 import org.apache.fineract.portfolio.investment.service.InvestmentPurchaseReadPlatformService;
 import org.apache.fineract.portfolio.savings.dailyinterest.SavingsDailyInterestOrchestrator;
 import org.apache.fineract.portfolio.savings.dailyinterest.SavingsInterestPostingReportService;
@@ -97,6 +98,7 @@ public class BranchDayRegisterApiResource {
     private final FixedDepositInterestPostingReportService fdInterestPostingReportService;
     private final FixedDepositInterestPostingOrchestrator fdInterestPostingOrchestrator;
     private final InvestmentPurchaseReadPlatformService investmentPurchaseReadPlatformService;
+    private final InvestmentFdInterestService investmentFdInterestService;
     private final Gson gson = new Gson();
 
     private boolean isHeadOffice(final Long officeId) {
@@ -273,6 +275,8 @@ public class BranchDayRegisterApiResource {
         // only the Head Office close shows it.
         result.put("investmentInterestPending",
                 isHeadOffice(officeId) ? investmentPurchaseReadPlatformService.retrieveDueInterest(0) : List.of());
+        // The same for FDs placed with other banks: interest vouchers and maturities due. A reminder only.
+        result.put("investmentFdPending", isHeadOffice(officeId) ? investmentFdInterestService.due(0) : List.of());
 
         return gson.toJson(result);
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/api/InvestmentApiConstants.java

@@ -52,6 +52,7 @@ public final class InvestmentApiConstants {
     // Common parameters
     public static final String BOND_TYPE = "bondType";
     public static final String GL_ACCOUNT_ID = "glAccountId";
+    public static final String INTEREST_GL_ACCOUNT_ID = "interestGlAccountId";
     public static final String ADDRESS1 = "address1";
     public static final String ADDRESS2 = "address2";
     public static final String ADDRESS3 = "address3";
@@ -86,7 +87,7 @@ public final class InvestmentApiConstants {
     public static final String CORP_CODE = "corpCode";
 
     public static final Set<String> PARTY_PARAMS = Set.of(BOND_TYPE, PARTY_NAME, ADDRESS1, ADDRESS2, ADDRESS3, CITY, PINCODE, PHONE, FAX,
-            BANK_TYPE, GL_ACCOUNT_ID, RBI_CODE, EXPOSURE_LIMIT, LEI_NO, CP_BANK_NAME, CP_BRANCH_NAME, CP_ACCOUNT_NO, CP_IFSC, ACTIVE,
+            BANK_TYPE, GL_ACCOUNT_ID, INTEREST_GL_ACCOUNT_ID, RBI_CODE, EXPOSURE_LIMIT, LEI_NO, CP_BANK_NAME, CP_BRANCH_NAME, CP_ACCOUNT_NO, CP_IFSC, ACTIVE,
             LOCALE);
 
     public static final Set<String> SCRIPT_PARAMS = Set.of(BOND_TYPE, SLR_TYPE, SCRIPT_DESC, GL_ACCOUNT_ID, ISIN, FACE_VALUE_PER_UNIT,

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/api/InvestmentFdApiConstants.java

@@ -0,0 +1,119 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.api;
+
+import java.math.BigDecimal;
+import java.util.Set;
+
+/** Fixed deposits placed with other banks. */
+public final class InvestmentFdApiConstants {
+
+    private InvestmentFdApiConstants() {}
+
+    public static final String ENTITY = "INVESTMENTFD";
+    public static final String BOND_TYPE_FD = "FD";
+
+    public static final String STATUS_ACTIVE = "ACTIVE";
+    public static final String STATUS_MATURED = "MATURED";
+    public static final String STATUS_PREMATURE = "PREMATURE";
+    public static final String STATUS_RENEWED = "RENEWED";
+
+    /** When the interest is paid: all at maturity (the usual case), or every half year / year. */
+    public static final String PAYOUT_AT_MATURITY = "MATURITY";
+    public static final String PAYOUT_HALF_YEARLY = "HALF_YEARLY";
+    public static final String PAYOUT_YEARLY = "YEARLY";
+    public static final Set<String> PAYOUTS = Set.of(PAYOUT_AT_MATURITY, PAYOUT_HALF_YEARLY, PAYOUT_YEARLY);
+
+    /** How the maturity amount is worked out, to compare with the bank's figure (Jitendra Sir). */
+    public static final String CALC_SIMPLE = "SIMPLE";
+    public static final String CALC_MONTHLY = "MONTHLY";
+    public static final String CALC_QUARTERLY = "QUARTERLY";
+    public static final String CALC_HALF_YEARLY = "HALF_YEARLY";
+    public static final String CALC_YEARLY = "YEARLY";
+    public static final Set<String> CALC_TYPES = Set.of(CALC_SIMPLE, CALC_MONTHLY, CALC_QUARTERLY, CALC_HALF_YEARLY, CALC_YEARLY);
+
+    /** RBI: deposits with other banks within 20% of total deposits as on the previous 31 March, and within 5% with one bank. */
+    public static final BigDecimal GROSS_LIMIT_PERCENT = BigDecimal.valueOf(20);
+    public static final BigDecimal BANK_LIMIT_PERCENT = BigDecimal.valueOf(5);
+    /** Current accounts with banks also count towards the 20% inter-bank exposure. */
+    public static final String BANK_BALANCE_HEADER_GL_CODE = "100200";
+    /** Deposits of the bank, for the suggested total-deposits figure: everything under the deposit header, plus RD. */
+    public static final String DEPOSIT_HEADER_GL_CODE = "200100";
+    public static final String RD_DEPOSIT_GL_CODE = "200201";
+
+    public static final String PARTY_ID = "partyId";
+    public static final String CERT_NO = "certNo";
+    public static final String CERT_DATE = "certDate";
+    public static final String DEAL_DATE = "dealDate";
+    public static final String AMOUNT = "amount";
+    public static final String INT_RATE = "intRate";
+    public static final String MATURITY_DATE = "maturityDate";
+    public static final String PAYOUT = "payout";
+    public static final String CALC_TYPE = "calcType";
+    public static final String BANK_GL_ACCOUNT_ID = "bankGlAccountId";
+    public static final String REMARKS = "remarks";
+    public static final String AS_ON_DATE = "asOnDate";
+    public static final String TOTAL_DEPOSITS = "totalDeposits";
+    public static final String LOCALE = "locale";
+    public static final String DATE_FORMAT = "dateFormat";
+
+    public static final String CLOSURE_MATURITY = "MATURITY";
+    public static final String CLOSURE_PREMATURE = "PREMATURE";
+    public static final String CLOSURE_RENEWAL = "RENEWAL";
+    public static final String LINE_PROVISION = "PROVISION";
+    public static final String LINE_PAYOUT = "PAYOUT";
+    public static final String INTEREST_RECEIVABLE_GL_CODE = "100603";
+    /** Tax the other bank deducts from the interest, recoverable from the tax department. */
+    public static final String TDS_RECEIVABLE_GL_CODE = "100602";
+
+    public static final String CLOSE_DATE = "closeDate";
+    public static final String RECEIVED_AMOUNT = "receivedAmount";
+    public static final String TDS = "tds";
+    public static final String PENAL_AMOUNT = "penalAmount";
+    public static final String PRINCIPAL_BANK_GL_ACCOUNT_ID = "principalBankGlAccountId";
+    public static final String INTEREST_BANK_GL_ACCOUNT_ID = "interestBankGlAccountId";
+    public static final String NEW_CERT_NO = "newCertNo";
+    public static final String NEW_CERT_DATE = "newCertDate";
+    public static final String NEW_INT_RATE = "newIntRate";
+    public static final String NEW_MATURITY_DATE = "newMaturityDate";
+    public static final String NEW_PAYOUT = "newPayout";
+    public static final String NEW_CALC_TYPE = "newCalcType";
+    public static final String MATURITY_AMOUNT = "maturityAmount";
+    public static final String RENEWAL_AMOUNT = "renewalAmount";
+    public static final String DIFF_BANK_GL_ACCOUNT_ID = "diffBankGlAccountId";
+
+    public static final String LINE_MATURITY = "MATURITY";
+    public static final String LINE_TYPE = "lineType";
+    public static final String INT_DATE = "intDate";
+    /** Reminders show lines due within this many days (as for Govt securities). */
+    public static final int DUE_WITHIN_DAYS = 2;
+    public static final Set<String> INTEREST_PARAMS = Set.of(LINE_TYPE, INT_DATE, RECEIVED_AMOUNT, TDS, BANK_GL_ACCOUNT_ID, LOCALE,
+            DATE_FORMAT);
+
+    public static final Set<String> MATURE_PARAMS = Set.of(RECEIVED_AMOUNT, TDS, PRINCIPAL_BANK_GL_ACCOUNT_ID, INTEREST_BANK_GL_ACCOUNT_ID,
+            REMARKS, LOCALE, DATE_FORMAT);
+    public static final Set<String> PREMATURE_PARAMS = Set.of(CLOSE_DATE, RECEIVED_AMOUNT, TDS, PENAL_AMOUNT, PRINCIPAL_BANK_GL_ACCOUNT_ID,
+            INTEREST_BANK_GL_ACCOUNT_ID, REMARKS, LOCALE, DATE_FORMAT);
+    public static final Set<String> RENEW_PARAMS = Set.of(NEW_CERT_NO, NEW_CERT_DATE, NEW_INT_RATE, NEW_MATURITY_DATE, NEW_PAYOUT,
+            NEW_CALC_TYPE, MATURITY_AMOUNT, RENEWAL_AMOUNT, TDS, DIFF_BANK_GL_ACCOUNT_ID, REMARKS, LOCALE, DATE_FORMAT);
+
+    public static final Set<String> FD_PARAMS = Set.of(PARTY_ID, CERT_NO, CERT_DATE, DEAL_DATE, AMOUNT, INT_RATE, MATURITY_DATE, PAYOUT,
+            CALC_TYPE, BANK_GL_ACCOUNT_ID, REMARKS, LOCALE, DATE_FORMAT);
+    public static final Set<String> BASE_PARAMS = Set.of(AS_ON_DATE, TOTAL_DEPOSITS, REMARKS, LOCALE, DATE_FORMAT);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/api/InvestmentFdApiResource.java

@@ -0,0 +1,186 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.commands.domain.CommandWrapper;
+import org.apache.fineract.commands.service.CommandWrapperBuilder;
+import org.apache.fineract.commands.service.PortfolioCommandSourceWritePlatformService;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdClosureData;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdData;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdDueData;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdScheduleData;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdClosureService;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdInterestService;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/investment/fds")
+@Component
+@Tag(name = "Investment FD", description = "Fixed deposits the bank places with other banks.")
+@RequiredArgsConstructor
+public class InvestmentFdApiResource {
+
+    private static final DateTimeFormatter DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    private final PlatformSecurityContext context;
+    private final InvestmentFdService fdService;
+    private final InvestmentFdClosureService closureService;
+    private final InvestmentFdInterestService interestService;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+
+    @GET
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "All FDs placed with other banks")
+    public List<InvestmentFdData> retrieveAll() {
+        this.context.authenticatedUser().validateHasReadPermission(InvestmentFdApiConstants.ENTITY);
+        return this.fdService.retrieveAll();
+    }
+
+    @GET
+    @Path("quote")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Preview an FD: interest, maturity amount and the RBI limits", description = "Dates dd-MM-yyyy")
+    public InvestmentFdData quote(@QueryParam("partyId") final Long partyId, @QueryParam("amount") final BigDecimal amount,
+            @QueryParam("intRate") final BigDecimal intRate, @QueryParam("dealDate") final String dealDate,
+            @QueryParam("maturityDate") final String maturityDate, @QueryParam("payout") final String payout,
+            @QueryParam("calcType") final String calcType) {
+        this.context.authenticatedUser().validateHasReadPermission(InvestmentFdApiConstants.ENTITY);
+        return this.fdService.quote(partyId, amount, intRate, date(dealDate), date(maturityDate), payout, calcType);
+    }
+
+    @GET
+    @Path("due")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "FD interest vouchers and maturities due", description = "Due now or within withinDays (default 2)")
+    public List<InvestmentFdDueData> due(@QueryParam("withinDays") final Integer withinDays) {
+        this.context.authenticatedUser().validateHasReadPermission(InvestmentFdApiConstants.ENTITY);
+        return this.interestService.due(withinDays == null ? InvestmentFdApiConstants.DUE_WITHIN_DAYS : withinDays);
+    }
+
+    @GET
+    @Path("{fdId}/interest-schedule")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Interest lines of an FD", description = "31 Mar / 30 Sep provisions, payouts and maturity")
+    public InvestmentFdScheduleData schedule(@PathParam("fdId") final Long fdId) {
+        this.context.authenticatedUser().validateHasReadPermission(InvestmentFdApiConstants.ENTITY);
+        return this.interestService.schedule(fdId);
+    }
+
+    @POST
+    @Path("{fdId}/interest")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Post the next interest line of an FD", description = "lineType PROVISION | PAYOUT, intDate; payout: receivedAmount, tds")
+    public CommandProcessingResult postInterest(@PathParam("fdId") final Long fdId, @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        return this.commandsSourceWritePlatformService
+                .logCommandSource(new CommandWrapperBuilder().postInvestmentFdInterest(fdId).withJson(apiRequestBodyAsJson).build());
+    }
+
+    @GET
+    @Path("{fdId}")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "One FD")
+    public InvestmentFdData retrieveOne(@PathParam("fdId") @Parameter(description = "fdId") final Long fdId) {
+        this.context.authenticatedUser().validateHasReadPermission(InvestmentFdApiConstants.ENTITY);
+        return this.fdService.retrieveOne(fdId);
+    }
+
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Place an FD", description = "Dr the bank's FD GL / Cr our bank GL, dated the deal date; refused beyond the RBI limits.")
+    public CommandProcessingResult create(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final CommandWrapper request = new CommandWrapperBuilder().createInvestmentFd().withJson(apiRequestBodyAsJson).build();
+        return this.commandsSourceWritePlatformService.logCommandSource(request);
+    }
+
+    @GET
+    @Path("{fdId}/closure-quote")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Preview a maturity, premature closure or renewal", description = "type MATURITY | PREMATURE | RENEWAL")
+    public InvestmentFdClosureData closureQuote(@PathParam("fdId") final Long fdId, @QueryParam("type") final String type,
+            @QueryParam("closeDate") final String closeDate, @QueryParam("receivedAmount") final BigDecimal receivedAmount,
+            @QueryParam("tds") final BigDecimal tds, @QueryParam("renewalAmount") final BigDecimal renewalAmount) {
+        this.context.authenticatedUser().validateHasReadPermission(InvestmentFdApiConstants.ENTITY);
+        return this.closureService.quote(fdId, type, date(closeDate), receivedAmount, tds, renewalAmount);
+    }
+
+    @POST
+    @Path("{fdId}/mature")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Close an FD at maturity", description = "Dated the maturity date; amount as credited by the bank, optional TDS.")
+    public CommandProcessingResult mature(@PathParam("fdId") final Long fdId, @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        return this.commandsSourceWritePlatformService
+                .logCommandSource(new CommandWrapperBuilder().matureInvestmentFd(fdId).withJson(apiRequestBodyAsJson).build());
+    }
+
+    @POST
+    @Path("{fdId}/premature")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Close an FD before maturity", description = "Not calculated: the amount received (and any penal interest) is entered.")
+    public CommandProcessingResult premature(@PathParam("fdId") final Long fdId, @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        return this.commandsSourceWritePlatformService
+                .logCommandSource(new CommandWrapperBuilder().prematureInvestmentFd(fdId).withJson(apiRequestBodyAsJson).build());
+    }
+
+    @POST
+    @Path("{fdId}/renew")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Renew an FD at maturity", description = "New certificate, rate and maturity; money added or taken out goes through a bank GL.")
+    public CommandProcessingResult renew(@PathParam("fdId") final Long fdId, @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        return this.commandsSourceWritePlatformService
+                .logCommandSource(new CommandWrapperBuilder().renewInvestmentFd(fdId).withJson(apiRequestBodyAsJson).build());
+    }
+
+    @POST
+    @Path("deposit-base")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Record total deposits as on a 31 March", description = "The base of the RBI limits for the following year.")
+    public CommandProcessingResult setDepositBase(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final CommandWrapper request = new CommandWrapperBuilder().setInvestmentDepositBase().withJson(apiRequestBodyAsJson).build();
+        return this.commandsSourceWritePlatformService.logCommandSource(request);
+    }
+
+    private static LocalDate date(final String value) {
+        return StringUtils.isBlank(value) ? null : LocalDate.parse(value.trim(), DATE);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/data/InvestmentFdClosureData.java

@@ -0,0 +1,65 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.data;
+
+import java.math.BigDecimal;
+import java.util.List;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Getter;
+
+/** What closing an FD (maturity, premature or renewal) works out to, and the voucher it posts. */
+@Getter
+@Builder
+public class InvestmentFdClosureData {
+
+    private final Long fdId;
+    private final String dealNo;
+    private final String type;
+    private final String closeDate;
+    private final BigDecimal principal;
+    /** Interest the system works out for the period, to compare with the bank's figure. */
+    private final BigDecimal expectedInterest;
+    /** Interest already booked by provisions and not yet received. */
+    private final BigDecimal provisioned;
+    /** Money credited to our bank by the other bank (net of TDS). */
+    private final BigDecimal receivedAmount;
+    private final BigDecimal tds;
+    private final BigDecimal penalAmount;
+    /** Gross interest as per the bank: received + TDS − principal. */
+    private final BigDecimal interest;
+    /** Interest income of this entry: interest less what was provisioned (negative = reversed from income). */
+    private final BigDecimal income;
+    /** Bank's interest less the system's. */
+    private final BigDecimal difference;
+    private final BigDecimal renewalAmount;
+    /** Renewal: money added (positive) or taken out (negative) against the maturity amount. */
+    private final BigDecimal topUp;
+    private final List<Line> lines;
+
+    @Getter
+    @AllArgsConstructor
+    public static class Line {
+
+        private final String side;
+        private final String glCode;
+        private final String glName;
+        private final BigDecimal amount;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/data/InvestmentFdData.java

@@ -0,0 +1,103 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.temporal.ChronoUnit;
+import lombok.Builder;
+import lombok.Getter;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFd;
+
+/** An FD placed with another bank; also the shape of a purchase preview (with the limit check). */
+@Getter
+@Builder
+public class InvestmentFdData {
+
+    private static final DateTimeFormatter DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    private final Long id;
+    private final String dealNo;
+    private final Long partyId;
+    private final String partyCode;
+    private final String partyName;
+    private final String certNo;
+    private final String certDate;
+    private final String dealDate;
+    private final BigDecimal principal;
+    private final BigDecimal intRate;
+    private final String maturityDate;
+    private final long days;
+    private final String payout;
+    private final String calcType;
+    private final BigDecimal expectedInterest;
+    private final BigDecimal expectedMaturityAmount;
+    /** Interest paid each half year / year for a payout FD. */
+    private final BigDecimal periodInterest;
+    private final String fdGlCode;
+    private final String fdGlName;
+    private final String interestGlCode;
+    private final String interestGlName;
+    private final Long bankGlAccountId;
+    private final String bankGlCode;
+    private final String bankGlName;
+    private final String status;
+    private final String remarks;
+    private final String glTransactionId;
+    private final String voucherNo;
+    private final String renewedFromDealNo;
+    private final String closedOnDate;
+    private final String closureType;
+    private final BigDecimal closureAmount;
+    private final BigDecimal closureInterest;
+    private final BigDecimal closureTds;
+    private final BigDecimal closurePenal;
+    private final String closureVoucherNo;
+    private final String closureGlTransactionId;
+    private final InvestmentFdLimitData limit;
+
+    public static InvestmentFdData from(final InvestmentFd f, final BigDecimal periodInterest) {
+        return builder().id(f.getId()).dealNo(f.getDealNo()).partyId(f.getParty().getId()).partyCode(f.getParty().getPartyCode())
+                .partyName(f.getParty().getPartyName()).certNo(f.getCertNo()).certDate(format(f.getCertDate()))
+                .dealDate(format(f.getDealDate())).principal(f.getPrincipal()).intRate(f.getIntRate())
+                .maturityDate(format(f.getMaturityDate())).days(ChronoUnit.DAYS.between(f.getDealDate(), f.getMaturityDate()))
+                .payout(f.getPayout()).calcType(f.getCalcType()).expectedInterest(f.getExpectedInterest())
+                .expectedMaturityAmount(f.getExpectedMaturityAmount()).periodInterest(periodInterest).fdGlCode(code(f.getFdGlAccount()))
+                .fdGlName(name(f.getFdGlAccount())).interestGlCode(code(f.getInterestGlAccount())).interestGlName(name(f.getInterestGlAccount()))
+                .bankGlAccountId(f.getBankGlAccount().getId()).bankGlCode(code(f.getBankGlAccount())).bankGlName(name(f.getBankGlAccount()))
+                .status(f.getStatus()).remarks(f.getRemarks()).glTransactionId(f.getGlTransactionId()).voucherNo(f.getVoucherNo())
+                .renewedFromDealNo(f.getRenewedFrom() == null ? null : f.getRenewedFrom().getDealNo()).closedOnDate(format(f.getClosedOnDate()))
+                .closureType(f.getClosureType()).closureAmount(f.getClosureAmount()).closureInterest(f.getClosureInterest())
+                .closureTds(f.getClosureTds()).closurePenal(f.getClosurePenal()).closureVoucherNo(f.getClosureVoucherNo()).closureGlTransactionId(f.getClosureGlTransactionId()).build();
+    }
+
+    private static String code(final GLAccount gl) {
+        return gl == null ? null : gl.getGlCode();
+    }
+
+    private static String name(final GLAccount gl) {
+        return gl == null ? null : gl.getName();
+    }
+
+    private static String format(final LocalDate date) {
+        return date == null ? null : date.format(DATE);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/data/InvestmentFdDueData.java

@@ -0,0 +1,40 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.data;
+
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+/** The next interest voucher (or the maturity) of an FD that is due, or due within the reminder window. */
+@Getter
+@Builder
+public class InvestmentFdDueData {
+
+    private final Long fdId;
+    private final String dealNo;
+    private final String partyName;
+    private final String certNo;
+    /** PROVISION, PAYOUT or MATURITY. */
+    private final String lineType;
+    private final String intDate;
+    private final BigDecimal amount;
+    private final boolean postable;
+    private final boolean overdue;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/data/InvestmentFdLimitData.java

@@ -0,0 +1,46 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.data;
+
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+/** Where a new FD stands against the RBI limits on deposits with other banks. */
+@Getter
+@Builder
+public class InvestmentFdLimitData {
+
+    /** The 31 March the limits are based on. */
+    private final String asOnDate;
+    /** Total deposits as on that date, as entered; empty until someone enters it. */
+    private final BigDecimal totalDeposits;
+    /** The same figure worked out from the deposit GLs, as a suggestion. */
+    private final BigDecimal glTotalDeposits;
+    private final BigDecimal grossLimit;
+    private final BigDecimal fdOutstanding;
+    private final BigDecimal bankBalances;
+    private final BigDecimal grossAfter;
+    private final BigDecimal bankLimit;
+    private final String partyName;
+    private final BigDecimal bankAfter;
+    private final BigDecimal newAmount;
+    private final boolean withinLimits;
+    private final String message;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/data/InvestmentFdScheduleData.java

@@ -0,0 +1,58 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.data;
+
+import java.math.BigDecimal;
+import java.util.List;
+import lombok.Builder;
+import lombok.Getter;
+
+/** Interest lines of an FD: 31 Mar / 30 Sep provisions, payouts of a half-yearly / yearly FD, and maturity. */
+@Getter
+@Builder
+public class InvestmentFdScheduleData {
+
+    private final InvestmentFdData fd;
+    /** Provisioned interest not yet received (interest receivable of this FD). */
+    private final BigDecimal provisioned;
+    private final List<Row> rows;
+
+    @Getter
+    @Builder
+    public static class Row {
+
+        /** PROVISION, PAYOUT or MATURITY (shown for information; closed on the Maturity screen). */
+        private final String lineType;
+        private final String intDate;
+        private final String fromDate;
+        private final String toDate;
+        private final long days;
+        private final BigDecimal grossInterest;
+        /** Payout: the part already provisioned, cleared from interest receivable. */
+        private final BigDecimal alreadyBooked;
+        private final BigDecimal tds;
+        /** Provision: interest booked. Payout: interest income of the payout (gross less already booked). */
+        private final BigDecimal amount;
+        private final boolean posted;
+        private final String voucherNo;
+        private final String glTransactionId;
+        /** The next line to post, and its date has come. */
+        private final boolean postable;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/data/InvestmentPartyData.java

@@ -42,6 +42,9 @@ public class InvestmentPartyData {
     private final Long glAccountId;
     private final String glCode;
     private final String glName;
+    private final Long interestGlAccountId;
+    private final String interestGlCode;
+    private final String interestGlName;
     private final String rbiCode;
     private final BigDecimal limit;
     private final String leiNo;
@@ -56,6 +59,9 @@ public class InvestmentPartyData {
                 .partyName(p.getPartyName()).address1(p.getAddress1()).address2(p.getAddress2()).address3(p.getAddress3())
                 .city(p.getCity()).pincode(p.getPincode()).phone(p.getPhone()).fax(p.getFax()).bankType(p.getBankType())
                 .glAccountId(p.getGlAccount().getId()).glCode(p.getGlAccount().getGlCode()).glName(p.getGlAccount().getName())
+                .interestGlAccountId(p.getInterestGlAccount() == null ? null : p.getInterestGlAccount().getId())
+                .interestGlCode(p.getInterestGlAccount() == null ? null : p.getInterestGlAccount().getGlCode())
+                .interestGlName(p.getInterestGlAccount() == null ? null : p.getInterestGlAccount().getName())
                 .rbiCode(p.getRbiCode()).limit(p.getExposureLimit()).leiNo(p.getLeiNo()).cpBankName(p.getCpBankName())
                 .cpBranchName(p.getCpBranchName()).cpAccountNo(p.getCpAccountNo()).cpIfsc(p.getCpIfsc()).active(p.isActive()).build();
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentDepositBase.java

@@ -0,0 +1,47 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/** The bank's total deposits as on a 31 March: the base for the RBI limits on deposits placed with other banks. */
+@Entity
+@Table(name = "m_investment_deposit_base")
+@Getter
+@Setter
+@NoArgsConstructor
+public class InvestmentDepositBase extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "as_on_date", nullable = false, unique = true)
+    private LocalDate asOnDate;
+
+    @Column(name = "total_deposits", scale = 6, precision = 19, nullable = false)
+    private BigDecimal totalDeposits;
+
+    @Column(name = "remarks", length = 500)
+    private String remarks;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentDepositBaseRepository.java

@@ -0,0 +1,28 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.domain;
+
+import java.time.LocalDate;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface InvestmentDepositBaseRepository extends JpaRepository<InvestmentDepositBase, Long> {
+
+    Optional<InvestmentDepositBase> findByAsOnDate(LocalDate asOnDate);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentFd.java

@@ -0,0 +1,135 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/** A fixed deposit the bank has placed with another bank, from placement to maturity, premature closure or renewal. */
+@Entity
+@Table(name = "m_investment_fd")
+@Getter
+@Setter
+@NoArgsConstructor
+public class InvestmentFd extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "deal_no", nullable = false, length = 20, unique = true)
+    private String dealNo;
+
+    @ManyToOne
+    @JoinColumn(name = "party_id", nullable = false)
+    private InvestmentParty party;
+
+    /** The bank's FD GL (from the party), debited when the money is placed. */
+    @ManyToOne
+    @JoinColumn(name = "fd_gl_account_id", nullable = false)
+    private GLAccount fdGlAccount;
+
+    @ManyToOne
+    @JoinColumn(name = "interest_gl_account_id", nullable = false)
+    private GLAccount interestGlAccount;
+
+    /** Certificate (receipt) number issued by the other bank. */
+    @Column(name = "cert_no", nullable = false, length = 50)
+    private String certNo;
+
+    @Column(name = "cert_date")
+    private LocalDate certDate;
+
+    @Column(name = "deal_date", nullable = false)
+    private LocalDate dealDate;
+
+    @Column(name = "principal", scale = 6, precision = 19, nullable = false)
+    private BigDecimal principal;
+
+    @Column(name = "int_rate", scale = 6, precision = 19, nullable = false)
+    private BigDecimal intRate;
+
+    @Column(name = "maturity_date", nullable = false)
+    private LocalDate maturityDate;
+
+    @Column(name = "payout", nullable = false, length = 20)
+    private String payout;
+
+    @Column(name = "calc_type", nullable = false, length = 20)
+    private String calcType;
+
+    @Column(name = "expected_interest", scale = 6, precision = 19)
+    private BigDecimal expectedInterest;
+
+    @Column(name = "expected_maturity_amount", scale = 6, precision = 19)
+    private BigDecimal expectedMaturityAmount;
+
+    /** Our bank account the money was paid from. */
+    @ManyToOne
+    @JoinColumn(name = "bank_gl_account_id", nullable = false)
+    private GLAccount bankGlAccount;
+
+    /** The FD this one renews, if any. */
+    @ManyToOne
+    @JoinColumn(name = "renewed_from_id")
+    private InvestmentFd renewedFrom;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @Column(name = "remarks", length = 500)
+    private String remarks;
+
+    @Column(name = "gl_transaction_id", length = 50)
+    private String glTransactionId;
+
+    @Column(name = "voucher_no", length = 30)
+    private String voucherNo;
+
+    @Column(name = "closed_on_date")
+    private LocalDate closedOnDate;
+
+    /** MATURITY, PREMATURE or RENEWAL. */
+    @Column(name = "closure_type", length = 20)
+    private String closureType;
+
+    @Column(name = "closure_amount", scale = 6, precision = 19)
+    private BigDecimal closureAmount;
+
+    @Column(name = "closure_interest", scale = 6, precision = 19)
+    private BigDecimal closureInterest;
+
+    @Column(name = "closure_tds", scale = 6, precision = 19)
+    private BigDecimal closureTds;
+
+    @Column(name = "closure_penal", scale = 6, precision = 19)
+    private BigDecimal closurePenal;
+
+    @Column(name = "closure_gl_transaction_id", length = 50)
+    private String closureGlTransactionId;
+
+    @Column(name = "closure_voucher_no", length = 30)
+    private String closureVoucherNo;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentFdInterest.java

@@ -0,0 +1,87 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/** A posted interest line of an FD: a 31 Mar / 30 Sep provision, or a half-yearly / yearly payout. */
+@Entity
+@Table(name = "m_investment_fd_interest")
+@Getter
+@Setter
+@NoArgsConstructor
+public class InvestmentFdInterest extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @ManyToOne
+    @JoinColumn(name = "fd_id", nullable = false)
+    private InvestmentFd fd;
+
+    /** PROVISION or PAYOUT. */
+    @Column(name = "line_type", nullable = false, length = 20)
+    private String lineType;
+
+    @Column(name = "int_date", nullable = false)
+    private LocalDate intDate;
+
+    @Column(name = "from_date")
+    private LocalDate fromDate;
+
+    @Column(name = "to_date")
+    private LocalDate toDate;
+
+    @Column(name = "days")
+    private Integer days;
+
+    @Column(name = "gross_interest", scale = 6, precision = 19)
+    private BigDecimal grossInterest;
+
+    /** For a payout: the part already provisioned, cleared from interest receivable. */
+    @Column(name = "already_booked", scale = 6, precision = 19)
+    private BigDecimal alreadyBooked;
+
+    @Column(name = "tds", scale = 6, precision = 19)
+    private BigDecimal tds;
+
+    @Column(name = "amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal amount;
+
+    @ManyToOne
+    @JoinColumn(name = "bank_gl_account_id")
+    private GLAccount bankGlAccount;
+
+    @Column(name = "gl_transaction_id", length = 50)
+    private String glTransactionId;
+
+    @Column(name = "voucher_no", length = 30)
+    private String voucherNo;
+
+    @Column(name = "posted_on_date")
+    private LocalDate postedOnDate;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentFdInterestRepository.java

@@ -0,0 +1,27 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface InvestmentFdInterestRepository extends JpaRepository<InvestmentFdInterest, Long> {
+
+    List<InvestmentFdInterest> findByFdIdOrderByIntDateAscIdAsc(Long fdId);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentFdRepository.java

@@ -0,0 +1,38 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.domain;
+
+import jakarta.persistence.LockModeType;
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Lock;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface InvestmentFdRepository extends JpaRepository<InvestmentFd, Long> {
+
+    @Lock(value = LockModeType.PESSIMISTIC_WRITE)
+    @Query("select f from InvestmentFd f where f.id = :fdId")
+    Optional<InvestmentFd> findByIdWithLock(@Param("fdId") Long fdId);
+
+    List<InvestmentFd> findByStatusOrderByIdAsc(String status);
+
+    boolean existsByPartyIdAndCertNoIgnoreCase(Long partyId, String certNo);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentParty.java

@@ -78,6 +78,11 @@ public class InvestmentParty extends AbstractAuditableWithUTCDateTimeCustom<Long
     @JoinColumn(name = "gl_account_id", nullable = false)
     private GLAccount glAccount;
 
+    /** Interest income GL of the FDs placed with this bank (Bond Type FD only). */
+    @ManyToOne
+    @JoinColumn(name = "interest_gl_account_id")
+    private GLAccount interestGlAccount;
+
     @Column(name = "rbi_code", length = 30)
     private String rbiCode;
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/domain/InvestmentPartyRepository.java

@@ -20,4 +20,9 @@ package org.apache.fineract.portfolio.investment.domain;
 
 import org.springframework.data.jpa.repository.JpaRepository;
 
-public interface InvestmentPartyRepository extends JpaRepository<InvestmentParty, Long> {}
+public interface InvestmentPartyRepository extends JpaRepository<InvestmentParty, Long> {
+
+    /** Locks the bank so two FDs with it are checked against the 5% limit one after the other. */
+    @org.springframework.data.jpa.repository.Lock(value = jakarta.persistence.LockModeType.PESSIMISTIC_WRITE)
+    @org.springframework.data.jpa.repository.Query("select p from InvestmentParty p where p.id = :partyId")
+    java.util.Optional<InvestmentParty> findByIdWithLock(@org.springframework.data.repository.query.Param("partyId") Long partyId);}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/handler/CreateInvestmentFdCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INVESTMENTFD", action = "CREATE")
+@RequiredArgsConstructor
+public class CreateInvestmentFdCommandHandler implements NewCommandSourceHandler {
+
+    private final InvestmentFdService fdService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.fdService.create(command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/handler/MatureInvestmentFdCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdClosureService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INVESTMENTFD", action = "MATURE")
+@RequiredArgsConstructor
+public class MatureInvestmentFdCommandHandler implements NewCommandSourceHandler {
+
+    private final InvestmentFdClosureService closureService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.closureService.mature(command.entityId(), command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/handler/PostInvestmentFdInterestCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdInterestService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INVESTMENTFD", action = "POSTINTEREST")
+@RequiredArgsConstructor
+public class PostInvestmentFdInterestCommandHandler implements NewCommandSourceHandler {
+
+    private final InvestmentFdInterestService interestService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.interestService.post(command.entityId(), command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/handler/PrematureInvestmentFdCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdClosureService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INVESTMENTFD", action = "PREMATURE")
+@RequiredArgsConstructor
+public class PrematureInvestmentFdCommandHandler implements NewCommandSourceHandler {
+
+    private final InvestmentFdClosureService closureService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.closureService.premature(command.entityId(), command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/handler/RenewInvestmentFdCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdClosureService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INVESTMENTFD", action = "RENEW")
+@RequiredArgsConstructor
+public class RenewInvestmentFdCommandHandler implements NewCommandSourceHandler {
+
+    private final InvestmentFdClosureService closureService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.closureService.renew(command.entityId(), command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/handler/SetInvestmentDepositBaseCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.investment.service.InvestmentFdService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INVESTMENTFD", action = "SETBASE")
+@RequiredArgsConstructor
+public class SetInvestmentDepositBaseCommandHandler implements NewCommandSourceHandler {
+
+    private final InvestmentFdService fdService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.fdService.setDepositBase(command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/serialization/InvestmentMasterCommandFromApiJsonDeserializer.java

@@ -36,6 +36,7 @@ import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstant
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.FACE_VALUE_PER_UNIT;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.FAX;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.INTEREST_GL_ACCOUNT_ID;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.INT_RATE;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.ISIN;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.ISSUE_DATE;
@@ -99,6 +100,10 @@ public final class InvestmentMasterCommandFromApiJsonDeserializer {
         validateBondType(element, v, create);
         validateRequiredString(element, v, PARTY_NAME, 150, create);
         validateGlAccountId(element, v, create);
+        if (this.fromApiJsonHelper.parameterExists(INTEREST_GL_ACCOUNT_ID, element)) {
+            v.reset().parameter(INTEREST_GL_ACCOUNT_ID).value(this.fromApiJsonHelper.extractLongNamed(INTEREST_GL_ACCOUNT_ID, element))
+                    .ignoreIfNull().longGreaterThanZero();
+        }
         validateAddress(element, v);
         validateOptionalString(element, v, BANK_TYPE, 60);
         validateOptionalString(element, v, RBI_CODE, 30);

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/service/InvestmentFdCalculator.java

@@ -0,0 +1,79 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.service;
+
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_HALF_YEARLY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_MONTHLY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_QUARTERLY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_SIMPLE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_YEARLY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUT_AT_MATURITY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUT_HALF_YEARLY;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.temporal.ChronoUnit;
+
+/**
+ * Interest on an FD with another bank, on actual days over a 365-day year. A payout FD (interest paid every half
+ * year / year) earns simple interest; an FD paid at maturity compounds at the chosen frequency, or is simple. The
+ * user also enters the bank's own figure at maturity, so a different compounding shows up as a difference.
+ */
+public final class InvestmentFdCalculator {
+
+    private static final BigDecimal HUNDRED = BigDecimal.valueOf(100);
+    private static final BigDecimal DAYS_IN_YEAR = BigDecimal.valueOf(365);
+
+    private InvestmentFdCalculator() {}
+
+    public static BigDecimal interest(final BigDecimal principal, final BigDecimal ratePercent, final LocalDate from, final LocalDate to,
+            final String calcType, final String payout) {
+        final long days = ChronoUnit.DAYS.between(from, to);
+        if (days <= 0 || principal == null || ratePercent == null || principal.signum() <= 0 || ratePercent.signum() <= 0) {
+            return BigDecimal.ZERO;
+        }
+        if (!PAYOUT_AT_MATURITY.equals(payout) || CALC_SIMPLE.equals(calcType)) {
+            return principal.multiply(ratePercent).multiply(BigDecimal.valueOf(days)).divide(HUNDRED.multiply(DAYS_IN_YEAR), 2,
+                    RoundingMode.HALF_UP);
+        }
+        final int n = periodsPerYear(calcType);
+        final double factor = Math.pow(1 + ratePercent.doubleValue() / 100 / n, n * (days / 365.0));
+        return principal.multiply(BigDecimal.valueOf(factor - 1)).setScale(2, RoundingMode.HALF_UP);
+    }
+
+    /** Interest paid each half year or year on a payout FD; zero for an FD paid at maturity. */
+    public static BigDecimal periodInterest(final BigDecimal principal, final BigDecimal ratePercent, final String payout) {
+        if (PAYOUT_AT_MATURITY.equals(payout) || principal == null || ratePercent == null) {
+            return BigDecimal.ZERO;
+        }
+        final BigDecimal perYear = principal.multiply(ratePercent).divide(HUNDRED, 2, RoundingMode.HALF_UP);
+        return PAYOUT_HALF_YEARLY.equals(payout) ? perYear.divide(BigDecimal.valueOf(2), 2, RoundingMode.HALF_UP) : perYear;
+    }
+
+    private static int periodsPerYear(final String calcType) {
+        return switch (calcType) {
+            case CALC_MONTHLY -> 12;
+            case CALC_QUARTERLY -> 4;
+            case CALC_HALF_YEARLY -> 2;
+            case CALC_YEARLY -> 1;
+            default -> throw new IllegalArgumentException("Unknown calculation type " + calcType);
+        };
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/service/InvestmentFdClosureService.java

@@ -0,0 +1,463 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.service;
+
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_TYPES;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CLOSE_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CLOSURE_MATURITY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CLOSURE_PREMATURE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CLOSURE_RENEWAL;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.DIFF_BANK_GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.INTEREST_BANK_GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.INTEREST_RECEIVABLE_GL_CODE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.LINE_PAYOUT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.LINE_PROVISION;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.MATURE_PARAMS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.MATURITY_AMOUNT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.NEW_CALC_TYPE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.NEW_CERT_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.NEW_CERT_NO;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.NEW_INT_RATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.NEW_MATURITY_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.NEW_PAYOUT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUTS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PENAL_AMOUNT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PREMATURE_PARAMS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PRINCIPAL_BANK_GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.RECEIVED_AMOUNT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.REMARKS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.RENEWAL_AMOUNT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.RENEW_PARAMS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.STATUS_ACTIVE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.STATUS_MATURED;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.STATUS_PREMATURE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.STATUS_RENEWED;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.TDS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.TDS_RECEIVABLE_GL_CODE;
+
+import com.google.gson.JsonElement;
+import com.google.gson.reflect.TypeToken;
+import java.lang.reflect.Type;
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountRepositoryWrapper;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.InvalidJsonException;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdClosureData;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdLimitData;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFd;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdInterest;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdInterestRepository;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Closing an FD placed with another bank (Jitendra Sir). At maturity the system works out the interest and the user
+ * enters what the bank actually paid; the two are shown side by side, so a different compounding shows up. A premature
+ * closure is not calculated: the user enters the amount received (and any penal interest). The interest is received
+ * plus TDS less the principal; what was already provisioned clears interest receivable and the rest is income (a
+ * shortfall is reversed from income). Renewal closes the FD and opens a new certificate on the maturity date: renewed as
+ * it is, no money moves; money added or taken out goes through the bank GL the user names. TDS, when the bank deducts
+ * it, goes to TDS receivable.
+ */
+@Service
+@RequiredArgsConstructor
+public class InvestmentFdClosureService {
+
+    private static final DateTimeFormatter DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    private final FromJsonHelper fromApiJsonHelper;
+    private final InvestmentFdRepository fdRepository;
+    private final InvestmentFdInterestRepository interestRepository;
+    private final GLAccountRepositoryWrapper glAccountRepository;
+    private final InvestmentJournalPoster journalPoster;
+    private final InvestmentFdService fdService;
+    private final InvestmentFdInterestService interestService;
+
+    /** Preview of a closure; nothing is posted. */
+    @Transactional(readOnly = true)
+    public InvestmentFdClosureData quote(final Long fdId, final String type, final LocalDate closeDate, final BigDecimal receivedAmount,
+            final BigDecimal tds, final BigDecimal renewalAmount) {
+        final InvestmentFd f = this.fdRepository.findById(fdId).orElseThrow(() -> InvestmentFdService.rule("not.found", "FD " + fdId + " does not exist"));
+        final String t = CLOSURE_PREMATURE.equals(type) || CLOSURE_RENEWAL.equals(type) ? type : CLOSURE_MATURITY;
+        final LocalDate date = CLOSURE_PREMATURE.equals(t) ? (closeDate == null ? DateUtils.getBusinessLocalDate() : closeDate) : f.getMaturityDate();
+        final Figures x = figures(f, t, date, receivedAmount, tds, renewalAmount);
+        final Entry e = CLOSURE_RENEWAL.equals(t) ? renewalEntry(f, x, f.getBankGlAccount()) : closureEntry(f, x, f.getBankGlAccount(), f.getBankGlAccount());
+        return x.toData(f, t, date, null, e);
+    }
+
+    @Transactional
+    public CommandProcessingResult mature(final Long fdId, final JsonCommand command) {
+        validate(command.json(), MATURE_PARAMS, (v, el) -> {
+            amountOptional(v, el, RECEIVED_AMOUNT);
+            amountOptional(v, el, TDS);
+        });
+        final InvestmentFd f = active(fdId);
+        final LocalDate date = f.getMaturityDate();
+        if (date.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw InvestmentFdService.rule("mature.before.date", "FD " + f.getDealNo() + " matures on " + date.format(DATE)
+                    + "; close it before then as a premature closure");
+        }
+        return close(f, command, CLOSURE_MATURITY, date, STATUS_MATURED);
+    }
+
+    @Transactional
+    public CommandProcessingResult premature(final Long fdId, final JsonCommand command) {
+        validate(command.json(), PREMATURE_PARAMS, (v, el) -> {
+            v.reset().parameter(CLOSE_DATE).value(this.fromApiJsonHelper.extractLocalDateNamed(CLOSE_DATE, el)).notNull();
+            v.reset().parameter(RECEIVED_AMOUNT).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(RECEIVED_AMOUNT, el)).notNull()
+                    .positiveAmount();
+            amountOptional(v, el, TDS);
+            amountOptional(v, el, PENAL_AMOUNT);
+        });
+        final InvestmentFd f = active(fdId);
+        final LocalDate date = command.localDateValueOfParameterNamed(CLOSE_DATE);
+        if (date.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw InvestmentFdService.rule("close.future", "The closure date cannot be after today");
+        }
+        if (!date.isAfter(f.getDealDate()) || !date.isBefore(f.getMaturityDate())) {
+            throw InvestmentFdService.rule("premature.date", "A premature closure falls after the deal date " + f.getDealDate().format(DATE)
+                    + " and before maturity " + f.getMaturityDate().format(DATE));
+        }
+        return close(f, command, CLOSURE_PREMATURE, date, STATUS_PREMATURE);
+    }
+
+    @Transactional
+    public CommandProcessingResult renew(final Long fdId, final JsonCommand command) {
+        validate(command.json(), RENEW_PARAMS, (v, el) -> {
+            v.reset().parameter(NEW_CERT_NO).value(this.fromApiJsonHelper.extractStringNamed(NEW_CERT_NO, el)).notBlank().notExceedingLengthOf(50);
+            v.reset().parameter(NEW_INT_RATE).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(NEW_INT_RATE, el)).notNull()
+                    .positiveAmount();
+            v.reset().parameter(NEW_MATURITY_DATE).value(this.fromApiJsonHelper.extractLocalDateNamed(NEW_MATURITY_DATE, el)).notNull();
+            v.reset().parameter(NEW_PAYOUT).value(this.fromApiJsonHelper.extractStringNamed(NEW_PAYOUT, el)).ignoreIfNull()
+                    .isOneOfTheseValues(PAYOUTS.toArray());
+            v.reset().parameter(NEW_CALC_TYPE).value(this.fromApiJsonHelper.extractStringNamed(NEW_CALC_TYPE, el)).ignoreIfNull()
+                    .isOneOfTheseValues(CALC_TYPES.toArray());
+            amountOptional(v, el, MATURITY_AMOUNT);
+            amountOptional(v, el, RENEWAL_AMOUNT);
+            amountOptional(v, el, TDS);
+        });
+        final InvestmentFd f = active(fdId);
+        final LocalDate date = f.getMaturityDate();
+        if (date.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw InvestmentFdService.rule("renew.before.date", "FD " + f.getDealNo() + " can be renewed on or after its maturity " + date.format(DATE));
+        }
+        final LocalDate newMaturity = command.localDateValueOfParameterNamed(NEW_MATURITY_DATE);
+        if (!newMaturity.isAfter(date)) {
+            throw InvestmentFdService.rule("renew.maturity", "The new maturity date must be after " + date.format(DATE));
+        }
+        final String newCertNo = command.stringValueOfParameterNamed(NEW_CERT_NO).trim();
+        if (this.fdRepository.existsByPartyIdAndCertNoIgnoreCase(f.getParty().getId(), newCertNo)) {
+            throw InvestmentFdService.rule("cert.duplicate", "Certificate " + newCertNo + " of " + f.getParty().getPartyName() + " is already entered");
+        }
+        final Figures x = figures(f, CLOSURE_RENEWAL, date, amount(command, MATURITY_AMOUNT), amount(command, TDS), amount(command, RENEWAL_AMOUNT));
+        if (x.renewalAmount.signum() <= 0) {
+            throw InvestmentFdService.rule("renew.amount", "The renewal amount must be more than zero");
+        }
+        GLAccount diffGl = null;
+        if (x.topUp.signum() != 0) {
+            final Long diffGlId = command.longValueOfParameterNamed(DIFF_BANK_GL_ACCOUNT_ID);
+            if (diffGlId == null) {
+                throw InvestmentFdService.rule("renew.bank.gl", x.topUp.signum() > 0
+                        ? "Choose the bank account the extra " + plain(x.topUp) + " is paid from"
+                        : "Choose the bank account the " + plain(x.topUp.negate()) + " taken out is credited to");
+            }
+            diffGl = bankGl(diffGlId, f);
+        }
+        final BigDecimal added = x.renewalAmount.subtract(f.getPrincipal());
+        if (added.signum() > 0) {
+            final InvestmentFdLimitData limit = this.fdService.limits(date, f.getParty(), added);
+            if (!limit.isWithinLimits()) {
+                throw InvestmentFdService.rule("limit.exceeded", limit.getMessage());
+            }
+        }
+        this.interestService.requirePostedBefore(f, date);
+        final Entry e = renewalEntry(f, x, diffGl);
+        final CommandProcessingResult posted = e.isEmpty() ? null
+                : this.journalPoster.post(date, f.getDealNo(), "FD renewed: deal " + f.getDealNo() + ", certificate " + f.getCertNo() + " → "
+                        + newCertNo + " with " + f.getParty().getPartyName() + " (interest " + plain(x.interest) + tdsNote(x) + ")", e.lines);
+
+        final InvestmentFd n = new InvestmentFd();
+        n.setDealNo(this.fdService.nextDealNo(date));
+        n.setParty(f.getParty());
+        n.setFdGlAccount(f.getParty().getGlAccount());
+        n.setInterestGlAccount(f.getParty().getInterestGlAccount() != null ? f.getParty().getInterestGlAccount() : f.getInterestGlAccount());
+        n.setCertNo(newCertNo);
+        n.setCertDate(command.localDateValueOfParameterNamed(NEW_CERT_DATE));
+        n.setDealDate(date);
+        n.setPrincipal(x.renewalAmount);
+        n.setIntRate(command.bigDecimalValueOfParameterNamed(NEW_INT_RATE));
+        n.setMaturityDate(newMaturity);
+        n.setPayout(StringUtils.defaultIfBlank(command.stringValueOfParameterNamed(NEW_PAYOUT), f.getPayout()));
+        n.setCalcType(StringUtils.defaultIfBlank(command.stringValueOfParameterNamed(NEW_CALC_TYPE), f.getCalcType()));
+        final BigDecimal newInterest = InvestmentFdCalculator.interest(n.getPrincipal(), n.getIntRate(), date, newMaturity, n.getCalcType(),
+                n.getPayout());
+        n.setExpectedInterest(newInterest);
+        n.setExpectedMaturityAmount(InvestmentFdService.maturityAmount(n.getPrincipal(), newInterest, n.getPayout()));
+        n.setBankGlAccount(diffGl != null ? diffGl : f.getBankGlAccount());
+        n.setRenewedFrom(f);
+        n.setStatus(STATUS_ACTIVE);
+        n.setRemarks(StringUtils.trimToNull(command.stringValueOfParameterNamed(REMARKS)));
+        n.setGlTransactionId(posted == null ? null : posted.getTransactionId());
+        n.setVoucherNo(posted == null ? null : voucherNo(posted));
+
+        closeRecord(f, x, CLOSURE_RENEWAL, date, STATUS_RENEWED, posted);
+        this.fdRepository.saveAndFlush(f);
+        final InvestmentFd saved = this.fdRepository.saveAndFlush(n);
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(saved.getId()).withSubEntityId(f.getId())
+                .withResourceIdAsString(saved.getVoucherNo()).with(Map.<String, Object>of("dealNo", saved.getDealNo(), "voucherNo",
+                        String.valueOf(saved.getVoucherNo()), "interest", x.interest))
+                .build();
+    }
+
+    // -------------------------------------------------------------------------------------------------- shared
+
+    private CommandProcessingResult close(final InvestmentFd f, final JsonCommand command, final String type, final LocalDate date,
+            final String status) {
+        this.interestService.requirePostedBefore(f, date);
+        final Figures x = figures(f, type, date, amount(command, RECEIVED_AMOUNT), amount(command, TDS),
+                null).withPenal(amount(command, PENAL_AMOUNT));
+        if (x.received.compareTo(f.getPrincipal()) < 0) {
+            throw InvestmentFdService.rule("received.below.principal", "The amount received " + plain(x.received)
+                    + " is less than the principal " + plain(f.getPrincipal()) + "; check the figure");
+        }
+        final GLAccount principalGl = command.longValueOfParameterNamed(PRINCIPAL_BANK_GL_ACCOUNT_ID) == null ? f.getBankGlAccount()
+                : bankGl(command.longValueOfParameterNamed(PRINCIPAL_BANK_GL_ACCOUNT_ID), f);
+        final GLAccount interestGl = command.longValueOfParameterNamed(INTEREST_BANK_GL_ACCOUNT_ID) == null ? principalGl
+                : bankGl(command.longValueOfParameterNamed(INTEREST_BANK_GL_ACCOUNT_ID), f);
+        final Entry e = closureEntry(f, x, principalGl, interestGl);
+        final String what = CLOSURE_PREMATURE.equals(type) ? "FD closed premature" : "FD matured";
+        final CommandProcessingResult posted = this.journalPoster.post(date, f.getDealNo(), what + ": deal " + f.getDealNo() + ", certificate "
+                + f.getCertNo() + " with " + f.getParty().getPartyName() + " (interest " + plain(x.interest) + tdsNote(x) + ")", e.lines);
+        f.setRemarks(StringUtils.defaultIfBlank(StringUtils.trimToNull(command.stringValueOfParameterNamed(REMARKS)), f.getRemarks()));
+        closeRecord(f, x, type, date, status, posted);
+        this.fdRepository.saveAndFlush(f);
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(f.getId())
+                .withResourceIdAsString(f.getClosureVoucherNo()).withTransactionId(posted.getTransactionId())
+                .with(Map.<String, Object>of("voucherNo", String.valueOf(f.getClosureVoucherNo()), "interest", x.interest)).build();
+    }
+
+    /** Dr bank (principal, and interest net of TDS), Dr TDS receivable / Cr FD GL, Cr interest receivable, ± interest income. */
+    private Entry closureEntry(final InvestmentFd f, final Figures x, final GLAccount principalGl, final GLAccount interestGl) {
+        final Entry e = new Entry();
+        e.dr(principalGl, f.getPrincipal());
+        e.dr(interestGl, x.received.subtract(f.getPrincipal()));
+        e.dr(gl(TDS_RECEIVABLE_GL_CODE), x.tds);
+        e.cr(f.getFdGlAccount(), f.getPrincipal());
+        income(e, f, x);
+        return e;
+    }
+
+    /** Interest income and receivable, plus the FD GL moving from the old principal to the renewal amount and the bank for any difference. */
+    private Entry renewalEntry(final InvestmentFd f, final Figures x, final GLAccount diffGl) {
+        final Entry e = new Entry();
+        e.dr(gl(TDS_RECEIVABLE_GL_CODE), x.tds);
+        income(e, f, x);
+        final BigDecimal fdChange = x.renewalAmount.subtract(f.getPrincipal());
+        if (fdChange.signum() > 0) {
+            e.dr(f.getFdGlAccount(), fdChange);
+        } else {
+            e.cr(f.getFdGlAccount(), fdChange.negate());
+        }
+        if (diffGl != null) {
+            if (x.topUp.signum() > 0) {
+                e.cr(diffGl, x.topUp);
+            } else {
+                e.dr(diffGl, x.topUp.negate());
+            }
+        }
+        return e;
+    }
+
+    private void income(final Entry e, final InvestmentFd f, final Figures x) {
+        e.cr(gl(INTEREST_RECEIVABLE_GL_CODE), x.provisioned);
+        if (x.income.signum() > 0) {
+            e.cr(f.getInterestGlAccount(), x.income);
+        } else {
+            // Less interest than already provisioned: the shortfall comes back out of income.
+            e.dr(f.getInterestGlAccount(), x.income.negate());
+        }
+    }
+
+    private Figures figures(final InvestmentFd f, final String type, final LocalDate date, final BigDecimal amountIn, final BigDecimal tdsIn,
+            final BigDecimal renewalIn) {
+        final List<InvestmentFdInterest> lines = this.interestRepository.findByFdIdOrderByIntDateAscIdAsc(f.getId());
+        BigDecimal provisioned = BigDecimal.ZERO;
+        LocalDate lastPaid = f.getDealDate();
+        for (final InvestmentFdInterest l : lines) {
+            if (LINE_PROVISION.equals(l.getLineType())) {
+                provisioned = provisioned.add(l.getAmount());
+            } else if (LINE_PAYOUT.equals(l.getLineType())) {
+                provisioned = provisioned.subtract(zero(l.getAlreadyBooked()));
+                lastPaid = l.getIntDate();
+            }
+        }
+        final BigDecimal expected = InvestmentFdCalculator.interest(f.getPrincipal(), f.getIntRate(), lastPaid, date, f.getCalcType(),
+                f.getPayout());
+        final BigDecimal tds = scale(zero(tdsIn));
+        // Maturity / renewal default to the system's figure; a premature closure always needs the bank's amount.
+        final BigDecimal received = amountIn != null ? scale(amountIn) : f.getPrincipal().add(expected).subtract(tds);
+        final BigDecimal interest = received.add(tds).subtract(f.getPrincipal());
+        final BigDecimal renewal = renewalIn != null ? scale(renewalIn) : received;
+        return new Figures(expected, provisioned.max(BigDecimal.ZERO), received, tds, null, interest,
+                interest.subtract(provisioned.max(BigDecimal.ZERO)), renewal, renewal.subtract(received));
+    }
+
+    private void closeRecord(final InvestmentFd f, final Figures x, final String type, final LocalDate date, final String status,
+            final CommandProcessingResult posted) {
+        f.setStatus(status);
+        f.setClosureType(type);
+        f.setClosedOnDate(date);
+        f.setClosureAmount(x.received);
+        f.setClosureInterest(x.interest);
+        f.setClosureTds(x.tds);
+        f.setClosurePenal(x.penal);
+        f.setClosureGlTransactionId(posted == null ? null : posted.getTransactionId());
+        f.setClosureVoucherNo(posted == null ? null : voucherNo(posted));
+    }
+
+    private InvestmentFd active(final Long fdId) {
+        final InvestmentFd f = this.fdRepository.findByIdWithLock(fdId)
+                .orElseThrow(() -> InvestmentFdService.rule("not.found", "FD " + fdId + " does not exist"));
+        if (!STATUS_ACTIVE.equals(f.getStatus())) {
+            throw InvestmentFdService.rule("not.active", "FD " + f.getDealNo() + " is already " + f.getStatus().toLowerCase());
+        }
+        return f;
+    }
+
+    private GLAccount bankGl(final Long glId, final InvestmentFd f) {
+        final GLAccount gl = this.glAccountRepository.findOneWithNotFoundDetection(glId);
+        if (gl.isHeaderAccount() || gl.isDisabled() || !GLAccountType.ASSET.getValue().equals(gl.getType())) {
+            throw InvestmentFdService.rule("bank.gl.invalid", "GL " + gl.getGlCode() + " must be an enabled detail Asset account (our bank account)");
+        }
+        if (gl.getId().equals(f.getFdGlAccount().getId())) {
+            throw InvestmentFdService.rule("bank.gl.same", "Choose our bank account, not the FD GL itself");
+        }
+        return gl;
+    }
+
+    private GLAccount gl(final String code) {
+        return this.glAccountRepository.findOneByGlCodeWithNotFoundDetection(code);
+    }
+
+    private BigDecimal amount(final JsonCommand command, final String param) {
+        return command.parameterExists(param) ? command.bigDecimalValueOfParameterNamed(param) : null;
+    }
+
+    private void amountOptional(final DataValidatorBuilder v, final JsonElement el, final String param) {
+        v.reset().parameter(param).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(param, el)).ignoreIfNull()
+                .zeroOrPositiveAmount();
+    }
+
+    private void validate(final String json, final Set<String> supported,
+            final java.util.function.BiConsumer<DataValidatorBuilder, JsonElement> rules) {
+        if (StringUtils.isBlank(json)) {
+            throw new InvalidJsonException();
+        }
+        final Type typeOfMap = new TypeToken<Map<String, Object>>() {}.getType();
+        this.fromApiJsonHelper.checkForUnsupportedParameters(typeOfMap, json, supported);
+        final List<ApiParameterError> errors = new ArrayList<>();
+        rules.accept(new DataValidatorBuilder(errors).resource("investmentfd"), this.fromApiJsonHelper.parse(json));
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", errors);
+        }
+    }
+
+    private static String tdsNote(final Figures x) {
+        return x.tds.signum() > 0 ? ", TDS " + plain(x.tds) : "";
+    }
+
+    private static BigDecimal zero(final BigDecimal v) {
+        return v == null ? BigDecimal.ZERO : v;
+    }
+
+    private static BigDecimal scale(final BigDecimal v) {
+        return v.setScale(2, RoundingMode.HALF_UP);
+    }
+
+    private static String plain(final BigDecimal v) {
+        return v.setScale(2, RoundingMode.HALF_UP).toPlainString();
+    }
+
+    private static String voucherNo(final CommandProcessingResult posted) {
+        final Object voucherNo = posted.getChanges() == null ? null : posted.getChanges().get("voucherNo");
+        return voucherNo == null ? null : voucherNo.toString();
+    }
+
+    /** The figures of one closure. */
+    private record Figures(BigDecimal expected, BigDecimal provisioned, BigDecimal received, BigDecimal tds, BigDecimal penal,
+            BigDecimal interest, BigDecimal income, BigDecimal renewalAmount, BigDecimal topUp) {
+
+        Figures withPenal(final BigDecimal penalAmount) {
+            return new Figures(expected, provisioned, received, tds, penalAmount, interest, income, renewalAmount, topUp);
+        }
+
+        InvestmentFdClosureData toData(final InvestmentFd f, final String type, final LocalDate date, final BigDecimal penalAmount,
+                final Entry e) {
+            return InvestmentFdClosureData.builder().fdId(f.getId()).dealNo(f.getDealNo()).type(type).closeDate(date.format(DATE))
+                    .principal(f.getPrincipal()).expectedInterest(expected).provisioned(provisioned).receivedAmount(received).tds(tds)
+                    .penalAmount(penalAmount).interest(interest).income(income).difference(interest.subtract(expected))
+                    .renewalAmount(CLOSURE_RENEWAL.equals(type) ? renewalAmount : null).topUp(CLOSURE_RENEWAL.equals(type) ? topUp : null)
+                    .lines(e.view).build();
+        }
+    }
+
+    /** Journal lines and the same lines for the screen. */
+    private static final class Entry {
+
+        private final InvestmentJournalPoster.Lines lines = new InvestmentJournalPoster.Lines();
+        private final List<InvestmentFdClosureData.Line> view = new ArrayList<>();
+
+        void dr(final GLAccount gl, final BigDecimal amount) {
+            if (amount != null && amount.signum() > 0) {
+                this.lines.debit(gl.getId(), amount);
+                this.view.add(new InvestmentFdClosureData.Line("Dr", gl.getGlCode(), gl.getName(), amount));
+            }
+        }
+
+        void cr(final GLAccount gl, final BigDecimal amount) {
+            if (amount != null && amount.signum() > 0) {
+                this.lines.credit(gl.getId(), amount);
+                this.view.add(new InvestmentFdClosureData.Line("Cr", gl.getGlCode(), gl.getName(), amount));
+            }
+        }
+
+        boolean isEmpty() {
+            return this.view.isEmpty();
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/service/InvestmentFdInterestService.java

@@ -0,0 +1,327 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.service;
+
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.BANK_GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_SIMPLE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.INTEREST_PARAMS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.INTEREST_RECEIVABLE_GL_CODE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.INT_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.LINE_MATURITY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.LINE_PAYOUT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.LINE_PROVISION;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.LINE_TYPE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUT_AT_MATURITY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUT_HALF_YEARLY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.RECEIVED_AMOUNT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.STATUS_ACTIVE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.TDS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.TDS_RECEIVABLE_GL_CODE;
+
+import com.google.gson.JsonElement;
+import com.google.gson.reflect.TypeToken;
+import java.lang.reflect.Type;
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.Month;
+import java.time.format.DateTimeFormatter;
+import java.time.temporal.ChronoUnit;
+import java.util.ArrayList;
+import java.util.Comparator;
+import java.util.List;
+import java.util.Map;
+import java.util.Optional;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountRepositoryWrapper;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.InvalidJsonException;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdDueData;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdScheduleData;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFd;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdInterest;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdInterestRepository;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdRepository;
+import org.springframework.data.domain.Sort;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Interest of an FD placed with another bank, as for Govt securities: on 31 March and 30 September the interest
+ * earned since the last payout (or the deal date) is provisioned (Dr Interest Receivable / Cr Interest on FDs); a
+ * half-yearly / yearly FD pays its interest every six / twelve months (Dr Bank, Dr TDS receivable when deducted / Cr
+ * Interest Receivable for what was provisioned, Cr Interest on FDs for the rest). Lines are posted in date order, on or
+ * after their date, dated that date. The interest of the last period comes with the maturity.
+ */
+@Service
+@RequiredArgsConstructor
+public class InvestmentFdInterestService {
+
+    private static final DateTimeFormatter DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    private final FromJsonHelper fromApiJsonHelper;
+    private final InvestmentFdRepository fdRepository;
+    private final InvestmentFdInterestRepository interestRepository;
+    private final GLAccountRepositoryWrapper glAccountRepository;
+    private final InvestmentJournalPoster journalPoster;
+
+    /** One worked-out interest line. */
+    record Line(String type, LocalDate date, LocalDate from, BigDecimal gross, BigDecimal alreadyBooked, BigDecimal tds, BigDecimal amount,
+            InvestmentFdInterest posted) {}
+
+    @Transactional(readOnly = true)
+    public InvestmentFdScheduleData schedule(final Long fdId) {
+        final InvestmentFd f = this.fdRepository.findById(fdId).orElseThrow(() -> InvestmentFdService.rule("not.found", "FD " + fdId + " does not exist"));
+        final List<Line> lines = lines(f);
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+        final Optional<Line> next = lines.stream().filter(l -> l.posted() == null && !LINE_MATURITY.equals(l.type())).findFirst();
+        final List<InvestmentFdScheduleData.Row> rows = new ArrayList<>();
+        for (final Line l : lines) {
+            rows.add(InvestmentFdScheduleData.Row.builder().lineType(l.type()).intDate(l.date().format(DATE)).fromDate(l.from().format(DATE))
+                    .toDate(l.date().format(DATE)).days(ChronoUnit.DAYS.between(l.from(), l.date())).grossInterest(l.gross())
+                    .alreadyBooked(l.alreadyBooked()).tds(l.tds()).amount(l.amount()).posted(l.posted() != null)
+                    .voucherNo(l.posted() == null ? null : l.posted().getVoucherNo())
+                    .glTransactionId(l.posted() == null ? null : l.posted().getGlTransactionId())
+                    .postable(STATUS_ACTIVE.equals(f.getStatus()) && next.isPresent() && next.get() == l && !l.date().isAfter(today)).build());
+        }
+        return InvestmentFdScheduleData.builder().fd(InvestmentFdService.data(f)).provisioned(provisioned(f)).rows(rows).build();
+    }
+
+    /** For every active FD: its next interest voucher, or its maturity, when due now or within {@code withinDays}. */
+    @Transactional(readOnly = true)
+    public List<InvestmentFdDueData> due(final int withinDays) {
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+        final LocalDate upTo = today.plusDays(Math.max(withinDays, 0));
+        final List<InvestmentFdDueData> due = new ArrayList<>();
+        for (final InvestmentFd f : this.fdRepository.findByStatusOrderByIdAsc(STATUS_ACTIVE)) {
+            lines(f).stream().filter(l -> l.posted() == null).findFirst().filter(l -> !l.date().isAfter(upTo))
+                    .ifPresent(l -> due.add(InvestmentFdDueData.builder().fdId(f.getId()).dealNo(f.getDealNo())
+                            .partyName(f.getParty().getPartyName()).certNo(f.getCertNo()).lineType(l.type()).intDate(l.date().format(DATE))
+                            .amount(LINE_MATURITY.equals(l.type()) ? f.getExpectedMaturityAmount() : l.amount())
+                            .postable(!l.date().isAfter(today)).overdue(l.date().isBefore(today)).build()));
+        }
+        return due;
+    }
+
+    /** Refuses a closure on {@code date} while an interest line before it is still unposted. */
+    void requirePostedBefore(final InvestmentFd f, final LocalDate date) {
+        lines(f).stream().filter(l -> l.posted() == null && !LINE_MATURITY.equals(l.type()) && l.date().isBefore(date)).findFirst()
+                .ifPresent(l -> {
+                    throw InvestmentFdService.rule("interest.pending", "Post the " + l.type().toLowerCase() + " of "
+                            + l.date().format(DATE) + " for FD " + f.getDealNo() + " first (FD Interest Entry)");
+                });
+    }
+
+    @Transactional
+    public CommandProcessingResult post(final Long fdId, final JsonCommand command) {
+        validate(command.json());
+        final InvestmentFd f = this.fdRepository.findByIdWithLock(fdId)
+                .orElseThrow(() -> InvestmentFdService.rule("not.found", "FD " + fdId + " does not exist"));
+        if (!STATUS_ACTIVE.equals(f.getStatus())) {
+            throw InvestmentFdService.rule("not.active", "FD " + f.getDealNo() + " is already " + f.getStatus().toLowerCase());
+        }
+        final String type = command.stringValueOfParameterNamed(LINE_TYPE);
+        final LocalDate date = command.localDateValueOfParameterNamed(INT_DATE);
+        if (date.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw InvestmentFdService.rule("before.date", "This interest line can be posted on or after " + date.format(DATE));
+        }
+        final Line next = lines(f).stream().filter(l -> l.posted() == null && !LINE_MATURITY.equals(l.type())).findFirst()
+                .orElseThrow(() -> InvestmentFdService.rule("all.posted", "FD " + f.getDealNo() + " has no interest line left to post; close it at maturity"));
+        if (!next.type().equals(type) || !next.date().equals(date)) {
+            throw InvestmentFdService.rule("out.of.order", "Post the interest lines in date order: next for FD " + f.getDealNo() + " is the "
+                    + next.type().toLowerCase() + " of " + next.date().format(DATE));
+        }
+        final GLAccount receivable = gl(INTEREST_RECEIVABLE_GL_CODE);
+        final InvestmentJournalPoster.Lines lines = new InvestmentJournalPoster.Lines();
+        final InvestmentFdInterest x = new InvestmentFdInterest();
+        x.setFd(f);
+        x.setLineType(type);
+        x.setIntDate(date);
+        x.setFromDate(next.from());
+        x.setToDate(date);
+        x.setDays((int) ChronoUnit.DAYS.between(next.from(), date));
+        final String what;
+        if (LINE_PROVISION.equals(type)) {
+            if (next.amount().signum() <= 0) {
+                throw InvestmentFdService.rule("nothing.to.provision", "No interest to provision on " + date.format(DATE));
+            }
+            lines.debit(receivable.getId(), next.amount()).credit(f.getInterestGlAccount().getId(), next.amount());
+            x.setGrossInterest(next.gross());
+            x.setAmount(next.amount());
+            what = "FD interest provision";
+        } else {
+            // The bank's own figure when given (net of TDS), else the system's interest for the period.
+            final BigDecimal tds = amount(command, TDS);
+            final BigDecimal received = command.parameterExists(RECEIVED_AMOUNT) && command.bigDecimalValueOfParameterNamed(RECEIVED_AMOUNT) != null
+                    ? amount(command, RECEIVED_AMOUNT)
+                    : next.gross().subtract(tds);
+            final BigDecimal gross = received.add(tds);
+            final BigDecimal income = gross.subtract(next.alreadyBooked());
+            final GLAccount bank = command.longValueOfParameterNamed(BANK_GL_ACCOUNT_ID) == null ? f.getBankGlAccount()
+                    : bankGl(command.longValueOfParameterNamed(BANK_GL_ACCOUNT_ID), f);
+            lines.debit(bank.getId(), received).debit(gl(TDS_RECEIVABLE_GL_CODE).getId(), tds).credit(receivable.getId(), next.alreadyBooked());
+            if (income.signum() >= 0) {
+                lines.credit(f.getInterestGlAccount().getId(), income);
+            } else {
+                lines.debit(f.getInterestGlAccount().getId(), income.negate());
+            }
+            x.setGrossInterest(gross);
+            x.setAlreadyBooked(next.alreadyBooked());
+            x.setTds(tds);
+            x.setAmount(income);
+            x.setBankGlAccount(bank);
+            what = "FD interest received";
+        }
+        final CommandProcessingResult posted = this.journalPoster.post(date, f.getDealNo(), what + " " + date.format(DATE) + ": deal "
+                + f.getDealNo() + ", certificate " + f.getCertNo() + " with " + f.getParty().getPartyName(), lines);
+        x.setGlTransactionId(posted.getTransactionId());
+        final Object voucherNo = posted.getChanges() == null ? null : posted.getChanges().get("voucherNo");
+        x.setVoucherNo(voucherNo == null ? null : voucherNo.toString());
+        x.setPostedOnDate(DateUtils.getBusinessLocalDate());
+        final InvestmentFdInterest saved = this.interestRepository.saveAndFlush(x);
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(saved.getId()).withSubEntityId(f.getId())
+                .withResourceIdAsString(saved.getVoucherNo()).withTransactionId(posted.getTransactionId()).build();
+    }
+
+    // -------------------------------------------------------------------------------------------------- schedule
+
+    /** Every interest line of the FD in date order, with the posted figures where posted and the worked-out ones otherwise. */
+    List<Line> lines(final InvestmentFd f) {
+        final List<InvestmentFdInterest> posted = this.interestRepository.findByFdIdOrderByIntDateAscIdAsc(f.getId());
+        final LocalDate end = f.getClosedOnDate() != null ? f.getClosedOnDate() : f.getMaturityDate();
+        final List<Object[]> events = new ArrayList<>();
+        if (!PAYOUT_AT_MATURITY.equals(f.getPayout())) {
+            final int months = PAYOUT_HALF_YEARLY.equals(f.getPayout()) ? 6 : 12;
+            for (int k = 1;; k++) {
+                final LocalDate d = f.getDealDate().plusMonths((long) months * k);
+                if (!d.isBefore(f.getMaturityDate())) {
+                    break;
+                }
+                events.add(new Object[] { d, LINE_PAYOUT });
+            }
+        }
+        for (int y = f.getDealDate().getYear(); y <= f.getMaturityDate().getYear(); y++) {
+            for (final LocalDate d : List.of(LocalDate.of(y, Month.MARCH, 31), LocalDate.of(y, Month.SEPTEMBER, 30))) {
+                if (d.isAfter(f.getDealDate()) && d.isBefore(f.getMaturityDate())) {
+                    events.add(new Object[] { d, LINE_PROVISION });
+                }
+            }
+        }
+        // A payout falling on a provision date comes first: the provision then starts from the payout.
+        events.sort(Comparator.<Object[], LocalDate>comparing(e -> (LocalDate) e[0]).thenComparing(e -> LINE_PAYOUT.equals(e[1]) ? 0 : 1));
+
+        final List<Line> out = new ArrayList<>();
+        LocalDate lastPaid = f.getDealDate();
+        BigDecimal sincePaid = BigDecimal.ZERO;
+        for (final Object[] e : events) {
+            final LocalDate d = (LocalDate) e[0];
+            final String type = (String) e[1];
+            if (d.isAfter(end)) {
+                break;
+            }
+            final InvestmentFdInterest done = posted.stream().filter(p -> p.getLineType().equals(type) && p.getIntDate().equals(d)).findFirst()
+                    .orElse(null);
+            if (LINE_PROVISION.equals(type)) {
+                final BigDecimal accrued = InvestmentFdCalculator.interest(f.getPrincipal(), f.getIntRate(), lastPaid, d, f.getCalcType(),
+                        f.getPayout());
+                final BigDecimal amount = done != null ? done.getAmount() : accrued.subtract(sincePaid).max(BigDecimal.ZERO);
+                if (done == null && amount.signum() == 0) {
+                    continue;
+                }
+                out.add(new Line(type, d, lastPaid, done != null ? done.getGrossInterest() : accrued, null, null, amount, done));
+                sincePaid = sincePaid.add(amount);
+            } else {
+                final BigDecimal gross = done != null ? done.getGrossInterest()
+                        : InvestmentFdCalculator.interest(f.getPrincipal(), f.getIntRate(), lastPaid, d, CALC_SIMPLE, f.getPayout());
+                final BigDecimal booked = done != null ? zero(done.getAlreadyBooked()) : sincePaid;
+                out.add(new Line(type, d, lastPaid, gross, booked, done == null ? null : done.getTds(),
+                        done != null ? done.getAmount() : gross.subtract(booked), done));
+                lastPaid = d;
+                sincePaid = BigDecimal.ZERO;
+            }
+        }
+        if (f.getClosedOnDate() == null) {
+            final BigDecimal last = InvestmentFdCalculator.interest(f.getPrincipal(), f.getIntRate(), lastPaid, f.getMaturityDate(),
+                    f.getCalcType(), f.getPayout());
+            out.add(new Line(LINE_MATURITY, f.getMaturityDate(), lastPaid, last, sincePaid, null, last.subtract(sincePaid), null));
+        }
+        return out;
+    }
+
+    /** Interest provisioned and not yet received. */
+    BigDecimal provisioned(final InvestmentFd f) {
+        BigDecimal v = BigDecimal.ZERO;
+        for (final InvestmentFdInterest l : this.interestRepository.findByFdIdOrderByIntDateAscIdAsc(f.getId())) {
+            v = LINE_PROVISION.equals(l.getLineType()) ? v.add(l.getAmount()) : v.subtract(zero(l.getAlreadyBooked()));
+        }
+        return v.max(BigDecimal.ZERO);
+    }
+
+    private GLAccount bankGl(final Long glId, final InvestmentFd f) {
+        final GLAccount gl = this.glAccountRepository.findOneWithNotFoundDetection(glId);
+        if (gl.isHeaderAccount() || gl.isDisabled() || !GLAccountType.ASSET.getValue().equals(gl.getType())
+                || gl.getId().equals(f.getFdGlAccount().getId())) {
+            throw InvestmentFdService.rule("bank.gl.invalid", "GL " + gl.getGlCode() + " must be our bank account (an enabled detail Asset GL)");
+        }
+        return gl;
+    }
+
+    private GLAccount gl(final String code) {
+        return this.glAccountRepository.findOneByGlCodeWithNotFoundDetection(code);
+    }
+
+    private static BigDecimal amount(final JsonCommand command, final String param) {
+        final BigDecimal v = command.parameterExists(param) ? command.bigDecimalValueOfParameterNamed(param) : null;
+        return v == null ? BigDecimal.ZERO : v.setScale(2, RoundingMode.HALF_UP);
+    }
+
+    private static BigDecimal zero(final BigDecimal v) {
+        return v == null ? BigDecimal.ZERO : v;
+    }
+
+    private void validate(final String json) {
+        if (StringUtils.isBlank(json)) {
+            throw new InvalidJsonException();
+        }
+        final Type typeOfMap = new TypeToken<Map<String, Object>>() {}.getType();
+        this.fromApiJsonHelper.checkForUnsupportedParameters(typeOfMap, json, INTEREST_PARAMS);
+        final JsonElement e = this.fromApiJsonHelper.parse(json);
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final DataValidatorBuilder v = new DataValidatorBuilder(errors).resource("investmentfd");
+        v.reset().parameter(LINE_TYPE).value(this.fromApiJsonHelper.extractStringNamed(LINE_TYPE, e)).notBlank()
+                .isOneOfTheseValues(LINE_PROVISION, LINE_PAYOUT);
+        v.reset().parameter(INT_DATE).value(this.fromApiJsonHelper.extractLocalDateNamed(INT_DATE, e)).notNull();
+        v.reset().parameter(RECEIVED_AMOUNT).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(RECEIVED_AMOUNT, e)).ignoreIfNull()
+                .zeroOrPositiveAmount();
+        v.reset().parameter(TDS).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(TDS, e)).ignoreIfNull().zeroOrPositiveAmount();
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", errors);
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/service/InvestmentFdService.java

@@ -0,0 +1,386 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.investment.service;
+
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.AMOUNT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.AS_ON_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.BANK_BALANCE_HEADER_GL_CODE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.BANK_GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.BANK_LIMIT_PERCENT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.BASE_PARAMS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.BOND_TYPE_FD;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_QUARTERLY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_TYPE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CALC_TYPES;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CERT_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.CERT_NO;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.DEAL_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.DEPOSIT_HEADER_GL_CODE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.FD_PARAMS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.GROSS_LIMIT_PERCENT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.INT_RATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.MATURITY_DATE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PARTY_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUT;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUTS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.PAYOUT_AT_MATURITY;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.RD_DEPOSIT_GL_CODE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.REMARKS;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.STATUS_ACTIVE;
+import static org.apache.fineract.portfolio.investment.api.InvestmentFdApiConstants.TOTAL_DEPOSITS;
+
+import com.google.gson.JsonElement;
+import com.google.gson.reflect.TypeToken;
+import java.lang.reflect.Type;
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.Month;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountRepositoryWrapper;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.core.exception.InvalidJsonException;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdData;
+import org.apache.fineract.portfolio.investment.data.InvestmentFdLimitData;
+import org.apache.fineract.portfolio.investment.domain.InvestmentDepositBase;
+import org.apache.fineract.portfolio.investment.domain.InvestmentDepositBaseRepository;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFd;
+import org.apache.fineract.portfolio.investment.domain.InvestmentFdRepository;
+import org.apache.fineract.portfolio.investment.domain.InvestmentParty;
+import org.apache.fineract.portfolio.investment.domain.InvestmentPartyRepository;
+import org.apache.fineract.portfolio.investment.exception.InvestmentPartyNotFoundException;
+import org.springframework.data.domain.Sort;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * FDs the bank places with other banks (Jitendra Sir): the bank is an FD party with its own FD GL and an interest GL;
+ * placing the money posts Dr FD GL / Cr our bank GL at once, dated the deal date. RBI limits: deposits with other
+ * banks (current accounts included) within 20% of total deposits as on the previous 31 March, and within 5% with any
+ * one bank.
+ */
+@Service
+@RequiredArgsConstructor
+public class InvestmentFdService {
+
+    private static final DateTimeFormatter DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    private final FromJsonHelper fromApiJsonHelper;
+    private final InvestmentFdRepository fdRepository;
+    private final InvestmentDepositBaseRepository depositBaseRepository;
+    private final InvestmentPartyRepository partyRepository;
+    private final GLAccountRepositoryWrapper glAccountRepository;
+    private final InvestmentJournalPoster journalPoster;
+    private final JdbcTemplate jdbcTemplate;
+
+    // -------------------------------------------------------------------------------------------------- reads
+
+    @Transactional(readOnly = true)
+    public List<InvestmentFdData> retrieveAll() {
+        return this.fdRepository.findAll(Sort.by(Sort.Direction.DESC, "id")).stream().map(InvestmentFdService::data).toList();
+    }
+
+    @Transactional(readOnly = true)
+    public InvestmentFdData retrieveOne(final Long fdId) {
+        return data(this.fdRepository.findById(fdId).orElseThrow(() -> rule("not.found", "FD " + fdId + " does not exist")));
+    }
+
+    /** What an FD would earn and where it stands against the RBI limits, before it is saved. */
+    @Transactional(readOnly = true)
+    public InvestmentFdData quote(final Long partyId, final BigDecimal amount, final BigDecimal rate, final LocalDate dealDate,
+            final LocalDate maturityDate, final String payout, final String calcType) {
+        // Set.of(...).contains(null) throws, so blank choices fall back to the defaults first.
+        final String pay = payout != null && PAYOUTS.contains(payout) ? payout : PAYOUT_AT_MATURITY;
+        final String calc = calcType != null && CALC_TYPES.contains(calcType) ? calcType : CALC_QUARTERLY;
+        final BigDecimal interest = maturityDate == null || dealDate == null ? BigDecimal.ZERO
+                : InvestmentFdCalculator.interest(amount, rate, dealDate, maturityDate, calc, pay);
+        final InvestmentParty party = partyId == null ? null : this.partyRepository.findById(partyId).orElse(null);
+        return InvestmentFdData.builder().partyId(partyId).partyName(party == null ? null : party.getPartyName())
+                .principal(amount).intRate(rate).dealDate(format(dealDate)).maturityDate(format(maturityDate))
+                .days(dealDate == null || maturityDate == null ? 0 : java.time.temporal.ChronoUnit.DAYS.between(dealDate, maturityDate))
+                .payout(pay).calcType(calc).expectedInterest(interest).expectedMaturityAmount(maturityAmount(amount, interest, pay))
+                .periodInterest(InvestmentFdCalculator.periodInterest(amount, rate, pay))
+                .fdGlCode(party == null ? null : party.getGlAccount().getGlCode())
+                .fdGlName(party == null ? null : party.getGlAccount().getName())
+                .interestGlCode(party == null || party.getInterestGlAccount() == null ? null : party.getInterestGlAccount().getGlCode())
+                .interestGlName(party == null || party.getInterestGlAccount() == null ? null : party.getInterestGlAccount().getName())
+                .limit(limits(dealDate == null ? DateUtils.getBusinessLocalDate() : dealDate, party, amount)).build();
+    }
+
+    /** The RBI limits for an FD of {@code amount} with {@code party} (either may be empty) on {@code dealDate}. */
+    @Transactional(readOnly = true)
+    public InvestmentFdLimitData limits(final LocalDate dealDate, final InvestmentParty party, final BigDecimal amount) {
+        final LocalDate base = previousYearEnd(dealDate);
+        final BigDecimal total = this.depositBaseRepository.findByAsOnDate(base).map(InvestmentDepositBase::getTotalDeposits).orElse(null);
+        final BigDecimal newAmount = amount == null ? BigDecimal.ZERO : amount;
+        final BigDecimal fdOutstanding = this.fdRepository.findByStatusOrderByIdAsc(STATUS_ACTIVE).stream().map(InvestmentFd::getPrincipal)
+                .reduce(BigDecimal.ZERO, BigDecimal::add);
+        final BigDecimal bankBalances = bankBalances();
+        final BigDecimal withParty = party == null ? BigDecimal.ZERO
+                : this.fdRepository.findByStatusOrderByIdAsc(STATUS_ACTIVE).stream().filter(f -> f.getParty().getId().equals(party.getId()))
+                        .map(InvestmentFd::getPrincipal).reduce(BigDecimal.ZERO, BigDecimal::add);
+        final BigDecimal grossAfter = fdOutstanding.add(bankBalances).add(newAmount);
+        final BigDecimal bankAfter = withParty.add(newAmount);
+        final InvestmentFdLimitData.InvestmentFdLimitDataBuilder b = InvestmentFdLimitData.builder().asOnDate(base.format(DATE))
+                .totalDeposits(total).glTotalDeposits(glDeposits(base)).fdOutstanding(fdOutstanding).bankBalances(bankBalances)
+                .grossAfter(grossAfter).partyName(party == null ? null : party.getPartyName()).bankAfter(bankAfter).newAmount(newAmount);
+        if (total == null) {
+            return b.withinLimits(false).message("Enter the bank's total deposits as on " + base.format(DATE)
+                    + " first; the RBI limits on deposits with other banks are worked out from it").build();
+        }
+        final BigDecimal grossLimit = percent(total, GROSS_LIMIT_PERCENT);
+        final BigDecimal bankLimit = percent(total, BANK_LIMIT_PERCENT);
+        b.grossLimit(grossLimit).bankLimit(bankLimit);
+        if (grossAfter.compareTo(grossLimit) > 0) {
+            return b.withinLimits(false).message("Deposits with other banks would be " + plain(grossAfter) + ", above the RBI limit of "
+                    + plain(grossLimit) + " (20% of total deposits " + plain(total) + " as on " + base.format(DATE) + ")").build();
+        }
+        if (party != null && bankAfter.compareTo(bankLimit) > 0) {
+            return b.withinLimits(false).message("Deposits with " + party.getPartyName() + " would be " + plain(bankAfter)
+                    + ", above the RBI limit of " + plain(bankLimit) + " with one bank (5% of total deposits " + plain(total) + ")")
+                    .build();
+        }
+        return b.withinLimits(true).message("Within the RBI limits").build();
+    }
+
+    // -------------------------------------------------------------------------------------------------- writes
+
+    /** Places an FD: Dr the bank's FD GL / Cr our bank GL, dated the deal date, voucher raised at once. */
+    @Transactional
+    public CommandProcessingResult create(final JsonCommand command) {
+        validateFd(command.json());
+        final Long partyId = command.longValueOfParameterNamed(PARTY_ID);
+        final InvestmentParty party = this.partyRepository.findByIdWithLock(partyId)
+                .orElseThrow(() -> new InvestmentPartyNotFoundException(partyId));
+        if (!BOND_TYPE_FD.equals(party.getBondType())) {
+            throw rule("party.not.fd", "Party " + party.getPartyCode() + " is not an FD bank (Bond Type " + party.getBondType() + ")");
+        }
+        if (!party.isActive()) {
+            throw rule("party.inactive", "Party " + party.getPartyCode() + " is inactive");
+        }
+        if (party.getInterestGlAccount() == null) {
+            throw rule("party.no.interest.gl", "Map the interest GL of " + party.getPartyName() + " in Bank / Party Master first");
+        }
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+        final LocalDate dealDate = command.localDateValueOfParameterNamed(DEAL_DATE);
+        final LocalDate maturityDate = command.localDateValueOfParameterNamed(MATURITY_DATE);
+        if (dealDate.isAfter(today)) {
+            throw rule("deal.future", "Deal date cannot be after today");
+        }
+        if (!maturityDate.isAfter(dealDate)) {
+            throw rule("maturity.before.deal", "Maturity date must be after the deal date");
+        }
+        final String certNo = command.stringValueOfParameterNamed(CERT_NO).trim();
+        if (this.fdRepository.existsByPartyIdAndCertNoIgnoreCase(partyId, certNo)) {
+            throw rule("cert.duplicate", "Certificate " + certNo + " of " + party.getPartyName() + " is already entered");
+        }
+        final GLAccount bankGl = postableAsset(command.longValueOfParameterNamed(BANK_GL_ACCOUNT_ID));
+        if (bankGl.getId().equals(party.getGlAccount().getId())) {
+            throw rule("bank.gl.same", "The money cannot be paid from the FD GL itself; choose our bank account");
+        }
+        final BigDecimal amount = command.bigDecimalValueOfParameterNamed(AMOUNT).setScale(2, RoundingMode.HALF_UP);
+        final InvestmentFdLimitData limit = limits(dealDate, party, amount);
+        if (!limit.isWithinLimits()) {
+            throw rule("limit.exceeded", limit.getMessage());
+        }
+
+        final InvestmentFd f = new InvestmentFd();
+        f.setDealNo(nextDealNo(dealDate));
+        f.setParty(party);
+        f.setFdGlAccount(party.getGlAccount());
+        f.setInterestGlAccount(party.getInterestGlAccount());
+        f.setCertNo(certNo);
+        f.setCertDate(command.localDateValueOfParameterNamed(CERT_DATE));
+        f.setDealDate(dealDate);
+        f.setPrincipal(amount);
+        f.setIntRate(command.bigDecimalValueOfParameterNamed(INT_RATE));
+        f.setMaturityDate(maturityDate);
+        f.setPayout(command.stringValueOfParameterNamed(PAYOUT));
+        f.setCalcType(StringUtils.defaultIfBlank(command.stringValueOfParameterNamed(CALC_TYPE), CALC_QUARTERLY));
+        final BigDecimal interest = InvestmentFdCalculator.interest(amount, f.getIntRate(), dealDate, maturityDate, f.getCalcType(),
+                f.getPayout());
+        f.setExpectedInterest(interest);
+        f.setExpectedMaturityAmount(maturityAmount(amount, interest, f.getPayout()));
+        f.setBankGlAccount(bankGl);
+        f.setRemarks(StringUtils.trimToNull(command.stringValueOfParameterNamed(REMARKS)));
+        f.setStatus(STATUS_ACTIVE);
+
+        final CommandProcessingResult posted = this.journalPoster.post(dealDate, f.getDealNo(),
+                "FD placed: deal " + f.getDealNo() + " with " + party.getPartyName() + ", certificate " + certNo + ", "
+                        + f.getIntRate().stripTrailingZeros().toPlainString() + "% to " + maturityDate.format(DATE),
+                new InvestmentJournalPoster.Lines().debit(party.getGlAccount().getId(), amount).credit(bankGl.getId(), amount));
+        f.setGlTransactionId(posted.getTransactionId());
+        f.setVoucherNo(voucherNo(posted));
+        final InvestmentFd saved = this.fdRepository.saveAndFlush(f);
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(saved.getId())
+                .withResourceIdAsString(saved.getVoucherNo()).withTransactionId(posted.getTransactionId())
+                .with(Map.<String, Object>of("dealNo", saved.getDealNo(), "voucherNo", String.valueOf(saved.getVoucherNo()))).build();
+    }
+
+    /** Records the bank's total deposits as on a 31 March, the base of the RBI limits for the following year. */
+    @Transactional
+    public CommandProcessingResult setDepositBase(final JsonCommand command) {
+        validate(command.json(), BASE_PARAMS, v -> {
+            final JsonElement e = this.fromApiJsonHelper.parse(command.json());
+            v.reset().parameter(AS_ON_DATE).value(this.fromApiJsonHelper.extractLocalDateNamed(AS_ON_DATE, e)).notNull();
+            v.reset().parameter(TOTAL_DEPOSITS).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(TOTAL_DEPOSITS, e)).notNull()
+                    .positiveAmount();
+            v.reset().parameter(REMARKS).value(this.fromApiJsonHelper.extractStringNamed(REMARKS, e)).ignoreIfNull().notExceedingLengthOf(500);
+        });
+        final LocalDate asOn = command.localDateValueOfParameterNamed(AS_ON_DATE);
+        if (asOn.getMonth() != Month.MARCH || asOn.getDayOfMonth() != 31) {
+            throw rule("base.not.yearend", "Total deposits are taken as on 31 March");
+        }
+        final InvestmentDepositBase base = this.depositBaseRepository.findByAsOnDate(asOn).orElseGet(InvestmentDepositBase::new);
+        base.setAsOnDate(asOn);
+        base.setTotalDeposits(command.bigDecimalValueOfParameterNamed(TOTAL_DEPOSITS));
+        base.setRemarks(StringUtils.trimToNull(command.stringValueOfParameterNamed(REMARKS)));
+        final InvestmentDepositBase saved = this.depositBaseRepository.saveAndFlush(base);
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(saved.getId())
+                .withResourceIdAsString(asOn.format(DATE)).build();
+    }
+
+    // -------------------------------------------------------------------------------------------------- helpers
+
+    static InvestmentFdData data(final InvestmentFd f) {
+        return InvestmentFdData.from(f, InvestmentFdCalculator.periodInterest(f.getPrincipal(), f.getIntRate(), f.getPayout()));
+    }
+
+    static BigDecimal maturityAmount(final BigDecimal amount, final BigDecimal interest, final String payout) {
+        if (amount == null) {
+            return null;
+        }
+        // A payout FD returns only the principal at maturity (with the last period's interest, posted as a payout).
+        return PAYOUT_AT_MATURITY.equals(payout) ? amount.add(interest) : amount;
+    }
+
+    /** The 31 March of the previous financial year: for 16-10-2026 → 31-03-2026, for 31-03-2026 → 31-03-2025. */
+    static LocalDate previousYearEnd(final LocalDate date) {
+        final int year = date.getMonthValue() >= 4 ? date.getYear() : date.getYear() - 1;
+        return LocalDate.of(year, Month.MARCH, 31);
+    }
+
+    /** Balances in current accounts with banks today (debit balances only), part of the inter-bank exposure. */
+    private BigDecimal bankBalances() {
+        final BigDecimal v = this.jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(GREATEST(t.bal, 0)), 0) FROM (
+                  SELECT SUM(CASE WHEN je.type_enum = 2 THEN je.amount ELSE -je.amount END) AS bal
+                  FROM acc_gl_journal_entry je JOIN acc_gl_account a ON a.id = je.account_id
+                  WHERE a.parent_id = (SELECT id FROM acc_gl_account WHERE gl_code = ?) AND je.reversed = false
+                  GROUP BY je.account_id) t""", BigDecimal.class, BANK_BALANCE_HEADER_GL_CODE);
+        return v == null ? BigDecimal.ZERO : v.setScale(2, RoundingMode.HALF_UP);
+    }
+
+    /** Total deposits on a date from the deposit GLs (credit balances), shown as a suggestion for the yearly figure. */
+    private BigDecimal glDeposits(final LocalDate asOn) {
+        final BigDecimal v = this.jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(CASE WHEN je.type_enum = 1 THEN je.amount ELSE -je.amount END), 0)
+                FROM acc_gl_journal_entry je JOIN acc_gl_account a ON a.id = je.account_id
+                WHERE (a.parent_id = (SELECT id FROM acc_gl_account WHERE gl_code = ?) OR a.gl_code = ?)
+                  AND je.reversed = false AND je.entry_date <= ?""", BigDecimal.class, DEPOSIT_HEADER_GL_CODE, RD_DEPOSIT_GL_CODE, asOn);
+        return v == null ? BigDecimal.ZERO : v.setScale(2, RoundingMode.HALF_UP);
+    }
+
+    String nextDealNo(final LocalDate dealDate) {
+        final String prefix = InvestmentPurchaseWritePlatformServiceImpl.dealNoPrefix(dealDate) + "F";
+        final Integer max = this.jdbcTemplate.queryForObject(
+                "SELECT MAX(CAST(SUBSTRING(deal_no FROM 8) AS INTEGER)) FROM m_investment_fd WHERE deal_no LIKE ?", Integer.class,
+                prefix + "%");
+        return prefix + String.format("%05d", (max == null ? 0 : max) + 1);
+    }
+
+    private GLAccount postableAsset(final Long glAccountId) {
+        final GLAccount gl = this.glAccountRepository.findOneWithNotFoundDetection(glAccountId);
+        if (gl.isHeaderAccount() || gl.isDisabled() || !GLAccountType.ASSET.getValue().equals(gl.getType())) {
+            throw rule("bank.gl.invalid", "GL " + gl.getGlCode() + " must be an enabled detail Asset account (our bank account)");
+        }
+        return gl;
+    }
+
+    private void validateFd(final String json) {
+        validate(json, FD_PARAMS, v -> {
+            final JsonElement e = this.fromApiJsonHelper.parse(json);
+            v.reset().parameter(PARTY_ID).value(this.fromApiJsonHelper.extractLongNamed(PARTY_ID, e)).notNull().longGreaterThanZero();
+            v.reset().parameter(CERT_NO).value(this.fromApiJsonHelper.extractStringNamed(CERT_NO, e)).notBlank().notExceedingLengthOf(50);
+            v.reset().parameter(DEAL_DATE).value(this.fromApiJsonHelper.extractLocalDateNamed(DEAL_DATE, e)).notNull();
+            v.reset().parameter(MATURITY_DATE).value(this.fromApiJsonHelper.extractLocalDateNamed(MATURITY_DATE, e)).notNull();
+            v.reset().parameter(AMOUNT).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(AMOUNT, e)).notNull().positiveAmount();
+            v.reset().parameter(INT_RATE).value(this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(INT_RATE, e)).notNull()
+                    .positiveAmount();
+            v.reset().parameter(PAYOUT).value(this.fromApiJsonHelper.extractStringNamed(PAYOUT, e)).notBlank()
+                    .isOneOfTheseValues(PAYOUTS.toArray());
+            v.reset().parameter(CALC_TYPE).value(this.fromApiJsonHelper.extractStringNamed(CALC_TYPE, e)).ignoreIfNull()
+                    .isOneOfTheseValues(CALC_TYPES.toArray());
+            v.reset().parameter(BANK_GL_ACCOUNT_ID).value(this.fromApiJsonHelper.extractLongNamed(BANK_GL_ACCOUNT_ID, e)).notNull()
+                    .longGreaterThanZero();
+            v.reset().parameter(REMARKS).value(this.fromApiJsonHelper.extractStringNamed(REMARKS, e)).ignoreIfNull().notExceedingLengthOf(500);
+        });
+    }
+
+    private void validate(final String json, final Set<String> supported, final java.util.function.Consumer<DataValidatorBuilder> rules) {
+        if (StringUtils.isBlank(json)) {
+            throw new InvalidJsonException();
+        }
+        final Type typeOfMap = new TypeToken<Map<String, Object>>() {}.getType();
+        this.fromApiJsonHelper.checkForUnsupportedParameters(typeOfMap, json, supported);
+        final List<ApiParameterError> errors = new ArrayList<>();
+        rules.accept(new DataValidatorBuilder(errors).resource("investmentfd"));
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException("validation.msg.validation.errors.exist", "Validation errors exist.", errors);
+        }
+    }
+
+    private static BigDecimal percent(final BigDecimal total, final BigDecimal pct) {
+        return total.multiply(pct).divide(BigDecimal.valueOf(100), 2, RoundingMode.HALF_UP);
+    }
+
+    private static String plain(final BigDecimal v) {
+        return v.setScale(2, RoundingMode.HALF_UP).toPlainString();
+    }
+
+    private static String format(final LocalDate date) {
+        return date == null ? null : date.format(DATE);
+    }
+
+    private static String voucherNo(final CommandProcessingResult posted) {
+        final Object voucherNo = posted.getChanges() == null ? null : posted.getChanges().get("voucherNo");
+        return voucherNo == null ? null : voucherNo.toString();
+    }
+
+    static GeneralPlatformDomainRuleException rule(final String code, final String message) {
+        return new GeneralPlatformDomainRuleException("error.msg.investmentfd." + code, message);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/investment/service/InvestmentMasterWritePlatformServiceImpl.java

@@ -35,6 +35,7 @@ import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstant
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.FACE_VALUE_PER_UNIT;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.FAX;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.GL_ACCOUNT_ID;
+import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.INTEREST_GL_ACCOUNT_ID;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.INT_RATE;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.ISIN;
 import static org.apache.fineract.portfolio.investment.api.InvestmentApiConstants.ISSUE_DATE;
@@ -155,6 +156,20 @@ public class InvestmentMasterWritePlatformServiceImpl implements InvestmentMaste
         if (command.parameterExists(GL_ACCOUNT_ID)) {
             p.setGlAccount(postableAssetGl(command.longValueOfParameterNamed(GL_ACCOUNT_ID)));
         }
+        if (command.parameterExists(INTEREST_GL_ACCOUNT_ID)) {
+            final Long interestGlId = command.longValueOfParameterNamed(INTEREST_GL_ACCOUNT_ID);
+            p.setInterestGlAccount(interestGlId == null ? null : postableIncomeGl(interestGlId));
+        }
+    }
+
+    /** Interest on an FD with this bank is credited here, so it must be a usable Income account. */
+    private GLAccount postableIncomeGl(final Long glAccountId) {
+        final GLAccount gl = this.glAccountRepository.findOneWithNotFoundDetection(glAccountId);
+        if (gl.isHeaderAccount() || gl.isDisabled() || !GLAccountType.INCOME.getValue().equals(gl.getType())) {
+            throw new GeneralPlatformDomainRuleException("error.msg.investment.glaccount.not.income",
+                    "GL " + gl.getGlCode() + " must be an enabled detail Income account", glAccountId);
+        }
+        return gl;
     }
 
     private InvestmentParty saveParty(final InvestmentParty party) {

fineract-provider/src/main/resources/db/changelog/tenant/final-changelog-tenant.xml

@@ -183,4 +183,5 @@
     <include file="parts/0601_investment_sale_redemption.xml" relativeToChangelogFile="true"/>
     <include file="parts/0602_investment_security_transfer.xml" relativeToChangelogFile="true"/>
     <include file="parts/0603_investment_premium_amortisation.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0604_investment_fd.xml" relativeToChangelogFile="true"/>
 </databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0604_investment_fd.xml

@@ -0,0 +1,217 @@
+<?xml version="1.1" encoding="UTF-8" standalone="no"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.9.xsd">
+
+    <!--
+        Fixed deposits the bank places with other banks (investment, not customer FDs). Each bank is an FD party with its
+        own FD GL and an interest GL. The RBI limits on deposits with other banks (20% of total deposits as on the previous
+        31 March, 5% with one bank) are checked against the yearly total-deposits figure kept here.
+    -->
+
+    <changeSet author="cbs-anshul" id="0604-1-investment-party-interest-gl">
+        <preConditions onFail="MARK_RAN">
+            <not><columnExists tableName="m_investment_party" columnName="interest_gl_account_id"/></not>
+        </preConditions>
+        <addColumn tableName="m_investment_party">
+            <column name="interest_gl_account_id" type="BIGINT"/>
+        </addColumn>
+        <addForeignKeyConstraint baseTableName="m_investment_party" baseColumnNames="interest_gl_account_id"
+                                 constraintName="fk_investment_party_interest_gl" referencedTableName="acc_gl_account" referencedColumnNames="id"/>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-2-create-investment-fd">
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_investment_fd"/></not>
+        </preConditions>
+        <createTable tableName="m_investment_fd">
+            <column name="id" type="BIGINT" autoIncrement="true"><constraints nullable="false" primaryKey="true"/></column>
+            <column name="deal_no" type="VARCHAR(20)"><constraints nullable="false" unique="true" uniqueConstraintName="uq_investment_fd_deal_no"/></column>
+            <column name="party_id" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="fd_gl_account_id" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="interest_gl_account_id" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="cert_no" type="VARCHAR(50)"><constraints nullable="false"/></column>
+            <column name="cert_date" type="DATE"/>
+            <column name="deal_date" type="DATE"><constraints nullable="false"/></column>
+            <column name="principal" type="DECIMAL(19,6)"><constraints nullable="false"/></column>
+            <column name="int_rate" type="DECIMAL(19,6)"><constraints nullable="false"/></column>
+            <column name="maturity_date" type="DATE"><constraints nullable="false"/></column>
+            <column name="payout" type="VARCHAR(20)"><constraints nullable="false"/></column>
+            <column name="calc_type" type="VARCHAR(20)"><constraints nullable="false"/></column>
+            <column name="expected_interest" type="DECIMAL(19,6)"/>
+            <column name="expected_maturity_amount" type="DECIMAL(19,6)"/>
+            <column name="bank_gl_account_id" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="renewed_from_id" type="BIGINT"/>
+            <column name="status" type="VARCHAR(20)"><constraints nullable="false"/></column>
+            <column name="remarks" type="VARCHAR(500)"/>
+            <column name="gl_transaction_id" type="VARCHAR(50)"/>
+            <column name="voucher_no" type="VARCHAR(30)"/>
+            <column name="closed_on_date" type="DATE"/>
+            <column name="closure_type" type="VARCHAR(20)"/>
+            <column name="closure_amount" type="DECIMAL(19,6)"/>
+            <column name="closure_interest" type="DECIMAL(19,6)"/>
+            <column name="closure_tds" type="DECIMAL(19,6)"/>
+            <column name="closure_penal" type="DECIMAL(19,6)"/>
+            <column name="closure_gl_transaction_id" type="VARCHAR(50)"/>
+            <column name="closure_voucher_no" type="VARCHAR(30)"/>
+            <column name="created_by" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="created_on_utc" type="DATETIME"><constraints nullable="false"/></column>
+            <column name="last_modified_by" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="last_modified_on_utc" type="DATETIME"><constraints nullable="false"/></column>
+        </createTable>
+        <addForeignKeyConstraint baseTableName="m_investment_fd" baseColumnNames="party_id" constraintName="fk_investment_fd_party"
+                                 referencedTableName="m_investment_party" referencedColumnNames="id"/>
+        <addForeignKeyConstraint baseTableName="m_investment_fd" baseColumnNames="fd_gl_account_id" constraintName="fk_investment_fd_fd_gl"
+                                 referencedTableName="acc_gl_account" referencedColumnNames="id"/>
+        <addForeignKeyConstraint baseTableName="m_investment_fd" baseColumnNames="interest_gl_account_id" constraintName="fk_investment_fd_interest_gl"
+                                 referencedTableName="acc_gl_account" referencedColumnNames="id"/>
+        <addForeignKeyConstraint baseTableName="m_investment_fd" baseColumnNames="bank_gl_account_id" constraintName="fk_investment_fd_bank_gl"
+                                 referencedTableName="acc_gl_account" referencedColumnNames="id"/>
+        <addForeignKeyConstraint baseTableName="m_investment_fd" baseColumnNames="renewed_from_id" constraintName="fk_investment_fd_renewed_from"
+                                 referencedTableName="m_investment_fd" referencedColumnNames="id"/>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-3-create-investment-deposit-base">
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_investment_deposit_base"/></not>
+        </preConditions>
+        <createTable tableName="m_investment_deposit_base">
+            <column name="id" type="BIGINT" autoIncrement="true"><constraints nullable="false" primaryKey="true"/></column>
+            <column name="as_on_date" type="DATE"><constraints nullable="false" unique="true" uniqueConstraintName="uq_investment_deposit_base_date"/></column>
+            <column name="total_deposits" type="DECIMAL(19,6)"><constraints nullable="false"/></column>
+            <column name="remarks" type="VARCHAR(500)"/>
+            <column name="created_by" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="created_on_utc" type="DATETIME"><constraints nullable="false"/></column>
+            <column name="last_modified_by" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="last_modified_on_utc" type="DATETIME"><constraints nullable="false"/></column>
+        </createTable>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-4-investment-fd-permissions">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_permission WHERE entity_name = 'INVESTMENTFD'</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker) VALUES
+            ('portfolio', 'READ_INVESTMENTFD', 'INVESTMENTFD', 'READ', FALSE),
+            ('portfolio', 'CREATE_INVESTMENTFD', 'INVESTMENTFD', 'CREATE', TRUE),
+            ('portfolio', 'CREATE_INVESTMENTFD_CHECKER', 'INVESTMENTFD', 'CREATE_CHECKER', FALSE),
+            ('portfolio', 'SETBASE_INVESTMENTFD', 'INVESTMENTFD', 'SETBASE', FALSE),
+            ('portfolio', 'SETBASE_INVESTMENTFD_CHECKER', 'INVESTMENTFD', 'SETBASE_CHECKER', FALSE)
+        </sql>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-5-grant-investment-fd-permissions">
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT rp.role_id, p.id
+            FROM m_role_permission rp
+            JOIN m_permission menu ON menu.id = rp.permission_id AND menu.code = 'MENU_INVESTMENT'
+            CROSS JOIN m_permission p
+            WHERE p.code IN ('READ_INVESTMENTFD', 'CREATE_INVESTMENTFD', 'SETBASE_INVESTMENTFD')
+              AND NOT EXISTS (SELECT 1 FROM m_role_permission x WHERE x.role_id = rp.role_id AND x.permission_id = p.id)
+        </sql>
+    </changeSet>
+
+    <!-- Interest of an FD: 31 Mar / 30 Sep provisions and half-yearly / yearly payouts; closures clear what is provisioned. -->
+    <changeSet author="cbs-anshul" id="0604-6-create-investment-fd-interest">
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_investment_fd_interest"/></not>
+        </preConditions>
+        <createTable tableName="m_investment_fd_interest">
+            <column name="id" type="BIGINT" autoIncrement="true"><constraints nullable="false" primaryKey="true"/></column>
+            <column name="fd_id" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="line_type" type="VARCHAR(20)"><constraints nullable="false"/></column>
+            <column name="int_date" type="DATE"><constraints nullable="false"/></column>
+            <column name="from_date" type="DATE"/>
+            <column name="to_date" type="DATE"/>
+            <column name="days" type="INT"/>
+            <column name="gross_interest" type="DECIMAL(19,6)"/>
+            <column name="already_booked" type="DECIMAL(19,6)"/>
+            <column name="tds" type="DECIMAL(19,6)"/>
+            <column name="amount" type="DECIMAL(19,6)"><constraints nullable="false"/></column>
+            <column name="bank_gl_account_id" type="BIGINT"/>
+            <column name="gl_transaction_id" type="VARCHAR(50)"/>
+            <column name="voucher_no" type="VARCHAR(30)"/>
+            <column name="posted_on_date" type="DATE"/>
+            <column name="created_by" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="created_on_utc" type="DATETIME"><constraints nullable="false"/></column>
+            <column name="last_modified_by" type="BIGINT"><constraints nullable="false"/></column>
+            <column name="last_modified_on_utc" type="DATETIME"><constraints nullable="false"/></column>
+        </createTable>
+        <addForeignKeyConstraint baseTableName="m_investment_fd_interest" baseColumnNames="fd_id" constraintName="fk_investment_fd_interest_fd"
+                                 referencedTableName="m_investment_fd" referencedColumnNames="id"/>
+        <addForeignKeyConstraint baseTableName="m_investment_fd_interest" baseColumnNames="bank_gl_account_id"
+                                 constraintName="fk_investment_fd_interest_bank_gl" referencedTableName="acc_gl_account" referencedColumnNames="id"/>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-7-investment-fd-closure-permissions">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_permission WHERE code = 'MATURE_INVESTMENTFD'</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker) VALUES
+            ('portfolio', 'MATURE_INVESTMENTFD', 'INVESTMENTFD', 'MATURE', TRUE),
+            ('portfolio', 'MATURE_INVESTMENTFD_CHECKER', 'INVESTMENTFD', 'MATURE_CHECKER', FALSE),
+            ('portfolio', 'PREMATURE_INVESTMENTFD', 'INVESTMENTFD', 'PREMATURE', TRUE),
+            ('portfolio', 'PREMATURE_INVESTMENTFD_CHECKER', 'INVESTMENTFD', 'PREMATURE_CHECKER', FALSE),
+            ('portfolio', 'RENEW_INVESTMENTFD', 'INVESTMENTFD', 'RENEW', TRUE),
+            ('portfolio', 'RENEW_INVESTMENTFD_CHECKER', 'INVESTMENTFD', 'RENEW_CHECKER', FALSE)
+        </sql>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-8-grant-investment-fd-closure-permissions">
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT rp.role_id, p.id
+            FROM m_role_permission rp
+            JOIN m_permission menu ON menu.id = rp.permission_id AND menu.code = 'MENU_INVESTMENT'
+            CROSS JOIN m_permission p
+            WHERE p.code IN ('MATURE_INVESTMENTFD', 'PREMATURE_INVESTMENTFD', 'RENEW_INVESTMENTFD')
+              AND NOT EXISTS (SELECT 1 FROM m_role_permission x WHERE x.role_id = rp.role_id AND x.permission_id = p.id)
+        </sql>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-9-investment-fd-interest-permission">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_permission WHERE code = 'POSTINTEREST_INVESTMENTFD'</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker) VALUES
+            ('portfolio', 'POSTINTEREST_INVESTMENTFD', 'INVESTMENTFD', 'POSTINTEREST', FALSE),
+            ('portfolio', 'POSTINTEREST_INVESTMENTFD_CHECKER', 'INVESTMENTFD', 'POSTINTEREST_CHECKER', FALSE)
+        </sql>
+    </changeSet>
+
+    <changeSet author="cbs-anshul" id="0604-10-grant-investment-fd-interest-permission">
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT rp.role_id, p.id
+            FROM m_role_permission rp
+            JOIN m_permission menu ON menu.id = rp.permission_id AND menu.code = 'MENU_INVESTMENT'
+            CROSS JOIN m_permission p
+            WHERE p.code = 'POSTINTEREST_INVESTMENTFD'
+              AND NOT EXISTS (SELECT 1 FROM m_role_permission x WHERE x.role_id = rp.role_id AND x.permission_id = p.id)
+        </sql>
+    </changeSet>
+</databaseChangeLog>