update RD Prodcut code

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/DepositsApiConstants.java

@@ -292,6 +292,44 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.addAll(DEPOSIT_TERM_REQUEST_DATA_PARAMETERS);
         recurringDepositRequestData.addAll(RECURRING_DETAILS_REQUEST_DATA_PARAMETERS);
         recurringDepositRequestData.add(SavingsApiConstants.minBalanceForInterestCalculationParamName);
+        // Custom CBS fields — Details step
+        recurringDepositRequestData.add("accountType");
+        recurringDepositRequestData.add("customerSegment");
+        recurringDepositRequestData.add("productCode");
+        recurringDepositRequestData.add("effectiveTo");
+        recurringDepositRequestData.add("endDate");
+        recurringDepositRequestData.add("introducerRequired");
+        recurringDepositRequestData.add("shareLinkingEnabled");
+        // Custom CBS fields — Currency step
+        recurringDepositRequestData.add("dormancyAlert");
+        recurringDepositRequestData.add("balanceSwapOption");
+        recurringDepositRequestData.add("msme");
+        recurringDepositRequestData.add("nominationFacility");
+        recurringDepositRequestData.add("autoDebitFacility");
+        // Custom CBS fields — Terms step
+        recurringDepositRequestData.add("effectiveDate");
+        recurringDepositRequestData.add("interestCalculateSelector");
+        recurringDepositRequestData.add("averagePeriod");
+        recurringDepositRequestData.add("autoPost");
+        recurringDepositRequestData.add("frequencyFixDay");
+        recurringDepositRequestData.add("lastInterestDate");
+        // Custom CBS fields — Settings step
+        recurringDepositRequestData.add("loanFacility");
+        recurringDepositRequestData.add("prematureWithdrawalOption");
+        recurringDepositRequestData.add("tenureFlexibility");
+        recurringDepositRequestData.add("lienMarked");
+        recurringDepositRequestData.add("withdrawalFeeForTransfers");
+        recurringDepositRequestData.add("enableLockinPeriod");
+        recurringDepositRequestData.add("maturityInstructions");
+        recurringDepositRequestData.add("creditMaturityProceeds");
+        recurringDepositRequestData.add("penaltyGracePeriodMissedInstallments");
+        recurringDepositRequestData.add("panelRequestApplicable");
+        recurringDepositRequestData.add("noPenaltyNomineeHeirClosure");
+        recurringDepositRequestData.add("deceasedSettlement");
+        recurringDepositRequestData.add("allowDebitTxnAfterDueDate");
+        recurringDepositRequestData.add("accountClosedZeroBalanceInDayClosing");
+        // Custom CBS fields — Interest rate slabs (sent inline but ignored server-side; saved separately)
+        recurringDepositRequestData.add("rdSlabs");
         return recurringDepositRequestData;
     }
 
@@ -302,6 +340,47 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.addAll(DEPOSIT_TERM_RESPONSE_DATA_PARAMETERS);
         recurringDepositRequestData.addAll(RECURRING_DETAILS_RESPONSE_DATA_PARAMETERS);
         recurringDepositRequestData.add(SavingsApiConstants.minBalanceForInterestCalculationParamName);
+        // CBS extended fields — Options (for template=true)
+        recurringDepositRequestData.add("interestCalculationTypeOption");
+        recurringDepositRequestData.add("periodFrequencyOptions");
+        recurringDepositRequestData.add("yesNoOptions");
+        recurringDepositRequestData.add("accountTypeOptions");
+        recurringDepositRequestData.add("customerSegmentOptions");
+        // CBS extended fields — Details step
+        recurringDepositRequestData.add("accountType");
+        recurringDepositRequestData.add("customerSegment");
+        recurringDepositRequestData.add("productCode");
+        recurringDepositRequestData.add("effectiveDate");
+        recurringDepositRequestData.add("effectiveTo");
+        recurringDepositRequestData.add("endDate");
+        recurringDepositRequestData.add("introducerRequired");
+        recurringDepositRequestData.add("shareLinkingEnabled");
+        recurringDepositRequestData.add("nominationFacility");
+        recurringDepositRequestData.add("dormancyAlert");
+        // CBS extended fields — Terms step
+        recurringDepositRequestData.add("interestCalculateSelector");
+        recurringDepositRequestData.add("averagePeriod");
+        recurringDepositRequestData.add("autoPost");
+        recurringDepositRequestData.add("frequencyFixDay");
+        recurringDepositRequestData.add("lastInterestDate");
+        // CBS extended fields — Settings step
+        recurringDepositRequestData.add("enableLockinPeriod");
+        recurringDepositRequestData.add("balanceFrequency");
+        recurringDepositRequestData.add("accountClosedZeroBalanceInDayClosing");
+        recurringDepositRequestData.add("balanceSwapOption");
+        recurringDepositRequestData.add("msme");
+        recurringDepositRequestData.add("autoDebitFacility");
+        recurringDepositRequestData.add("loanFacility");
+        recurringDepositRequestData.add("prematureWithdrawalOption");
+        recurringDepositRequestData.add("tenureFlexibility");
+        recurringDepositRequestData.add("lienMarked");
+        recurringDepositRequestData.add("maturityInstructions");
+        recurringDepositRequestData.add("creditMaturityProceeds");
+        recurringDepositRequestData.add("penaltyGracePeriodMissedInstallments");
+        recurringDepositRequestData.add("panelRequestApplicable");
+        recurringDepositRequestData.add("noPenaltyNomineeHeirClosure");
+        recurringDepositRequestData.add("deceasedSettlement");
+        recurringDepositRequestData.add("allowDebitTxnAfterDueDate");
         return recurringDepositRequestData;
     }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/api/RdInterestRateSaveRequest.java

@@ -0,0 +1,53 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.api;
+
+import java.math.BigDecimal;
+import java.util.List;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * Request payload for saving a new RD interest rate version.
+ * JSON structure:
+ * {
+ *   "versionLabel": "Rate Version 2025-Q2",
+ *   "remarks": "Revised rates",
+ *   "slabs": [
+ *     { "srNo": 1, "description": "15 Days to 29 Days", "periodTypeEnum": 1,
+ *       "fromPeriod": 15, "toPeriod": 29, "annualInterestRate": 3.00 },
+ *     ...
+ *   ]
+ * }
+ */
+@Getter
+@Setter
+@NoArgsConstructor
+public class RdInterestRateSaveRequest {
+
+    private String versionLabel;
+    private String remarks;
+    private List<SlabRequest> slabs;
+
+    @Getter
+    @Setter
+    @NoArgsConstructor
+    public static class SlabRequest {
+        private Integer srNo;
+        private String description;
+        private Integer periodTypeEnum;
+        private Integer fromPeriod;
+        private Integer toPeriod;
+        private BigDecimal annualInterestRate;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/api/RecurringDepositProductsApiResource.java

@@ -79,6 +79,11 @@ import org.apache.fineract.portfolio.savings.SavingsInterestCalculationDaysInYea
 import org.apache.fineract.portfolio.savings.SavingsInterestCalculationType;
 import org.apache.fineract.portfolio.savings.SavingsPostingInterestPeriodType;
 import org.apache.fineract.portfolio.savings.SavingsApiConstants;
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonPrimitive;
+import com.google.gson.JsonSerializer;
+import java.time.LocalDate;
 import org.apache.fineract.portfolio.savings.data.RecurringDepositProductData;
 import org.apache.fineract.portfolio.savings.service.DepositProductReadPlatformService;
 import org.apache.fineract.portfolio.savings.service.DepositsDropdownReadPlatformService;
@@ -117,6 +122,10 @@ public class RecurringDepositProductsApiResource {
     private final TaxReadPlatformService taxReadPlatformService;
     private final CodeValueReadPlatformService codeValueReadPlatformService;
     private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder()
+            .registerTypeAdapter(LocalDate.class,
+                    (JsonSerializer<LocalDate>) (src, typeOfSrc, ctx) -> new JsonPrimitive(src.toString()))
+            .create();
 
     @POST
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -354,19 +363,21 @@ public class RecurringDepositProductsApiResource {
     private String generateNextProductCode(final String tableName, final String prefix) {
         try {
             String maxCode = jdbcTemplate.queryForObject(
-                    "SELECT MAX(product_code) FROM " + tableName + " WHERE product_code LIKE ? AND deposit_type_enum = 3",
+                    "SELECT MAX(product_code) FROM " + tableName + " WHERE product_code LIKE ? AND deposit_type_enum = 300",
                     String.class, prefix + "%");
             if (maxCode == null || maxCode.isBlank()) {
-                return prefix + "00";
+                return prefix + "001";
             }
             String numStr = maxCode.substring(prefix.length());
             int num = Integer.parseInt(numStr);
-            return prefix + String.format("%02d", num + 1);
+            return prefix + String.format("%03d", num + 1);
         } catch (Exception e) {
-            return prefix + "00";
+            return prefix + "001";
         }
     }
 
+    // ── RD Interest Rate Chart endpoints ────────────────────────────────────
+
     @DELETE
     @Path("{productId}")
     @Consumes({ MediaType.APPLICATION_JSON })

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/api/RecurringDepositProductsBaseInterestRatesApiResource.java

@@ -0,0 +1,84 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonPrimitive;
+import com.google.gson.JsonSerializer;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.time.LocalDate;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.savings.DepositsApiConstants;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateEffectiveData;
+import org.apache.fineract.portfolio.savings.service.RdBaseInterestRateReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/recurringdepositproducts/baseinterestrates")
+@Component
+@RequiredArgsConstructor
+public class RecurringDepositProductsBaseInterestRatesApiResource {
+
+    private final PlatformSecurityContext context;
+    private final RdBaseInterestRateReadPlatformService rdBaseInterestRateReadPlatformService;
+    private final Gson gson = new GsonBuilder()
+            .registerTypeAdapter(LocalDate.class,
+                    (JsonSerializer<LocalDate>) (src, typeOfSrc, ctx) -> new JsonPrimitive(src.toString()))
+            .create();
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Get all active RD base interest rate charts", description = "Returns the current CBS base interest-rate version with slabs.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public String retrieveAllActiveInterestRates() {
+        this.context.authenticatedUser().validateHasReadPermission(DepositsApiConstants.RECURRING_DEPOSIT_PRODUCT_RESOURCE_NAME);
+        final List<RdInterestRateEffectiveData> data = this.rdBaseInterestRateReadPlatformService.retrieveAllActiveInterestRates();
+        return gson.toJson(data);
+    }
+
+    @GET
+    @Path("history")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Get all RD base interest rate charts", description = "Returns the full CBS base chart history.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public String retrieveHistory() {
+        this.context.authenticatedUser().validateHasReadPermission(DepositsApiConstants.RECURRING_DEPOSIT_PRODUCT_RESOURCE_NAME);
+        final List<RdInterestRateEffectiveData> data = this.rdBaseInterestRateReadPlatformService.retrieveAllInterestRates();
+        return gson.toJson(data);
+    }
+
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Save new RD base interest rate version", description = "Creates a new CBS base chart version and deactivates the previous active version.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public String saveInterestRates(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser().validateHasReadPermission(DepositsApiConstants.RECURRING_DEPOSIT_PRODUCT_RESOURCE_NAME);
+        final RdInterestRateSaveRequest request = gson.fromJson(apiRequestBodyAsJson, RdInterestRateSaveRequest.class);
+        final Long createdById = this.context.authenticatedUser().getId();
+        final RdInterestRateEffectiveData saved = this.rdBaseInterestRateReadPlatformService.saveInterestRates(request, createdById);
+        return gson.toJson(saved);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/data/DepositProductDataValidator.java

@@ -170,13 +170,21 @@ public class DepositProductDataValidator {
 
         validatePreClosureDetailForCreate(element, baseDataValidator);
 
-        validateDepositTermDeatilForCreate(element, baseDataValidator);
+        // When custom rdSlabs are provided, minDepositTerm / charts / depositAmount are not required
+        final boolean hasRdSlabs = this.fromApiJsonHelper.parameterExists("rdSlabs", element)
+                && this.fromApiJsonHelper.extractJsonArrayNamed("rdSlabs", element) != null
+                && this.fromApiJsonHelper.extractJsonArrayNamed("rdSlabs", element).size() > 0;
+
+        if (!hasRdSlabs) {
+            validateDepositTermDeatilForCreate(element, baseDataValidator);
+        }
 
         validateRecurringDetailForCreate(element, baseDataValidator);
 
-        validateChartsData(element, baseDataValidator);
+        if (!hasRdSlabs) {
-
+            validateChartsData(element, baseDataValidator);
-        validateDepositAmountForCreate(element, baseDataValidator);
+            validateDepositAmountForCreate(element, baseDataValidator);
+        }
 
         throwExceptionIfValidationWarningsExist(dataValidationErrors);
     }
@@ -198,13 +206,20 @@ public class DepositProductDataValidator {
 
         validatePreClosureDetailForUpdate(element, baseDataValidator);
 
-        validateDepositTermDetailForUpdate(element, baseDataValidator);
+        final boolean hasRdSlabsForUpdate = this.fromApiJsonHelper.parameterExists("rdSlabs", element)
+                && this.fromApiJsonHelper.extractJsonArrayNamed("rdSlabs", element) != null
+                && this.fromApiJsonHelper.extractJsonArrayNamed("rdSlabs", element).size() > 0;
+
+        if (!hasRdSlabsForUpdate) {
+            validateDepositTermDetailForUpdate(element, baseDataValidator);
+        }
 
         validateRecurringDepositUpdate(element, baseDataValidator);
 
-        validateChartsData(element, baseDataValidator);
+        if (!hasRdSlabsForUpdate) {
-
+            validateChartsData(element, baseDataValidator);
-        validateDepositAmountForUpdate(element, baseDataValidator);
+            validateDepositAmountForUpdate(element, baseDataValidator);
+        }
 
         throwExceptionIfValidationWarningsExist(dataValidationErrors);
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/data/RdInterestRateEffectiveData.java

@@ -0,0 +1,31 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.data;
+
+import java.time.LocalDate;
+import java.util.List;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public class RdInterestRateEffectiveData {
+
+    private Long id;
+    private Long productId;
+    private String versionLabel;
+    private LocalDate effectiveFromDate;
+    private LocalDate effectiveToDate;
+    private Boolean isActive;
+    private String remarks;
+    private List<RdInterestRateSlabData> slabs;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/data/RdInterestRateSlabData.java

@@ -0,0 +1,30 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.data;
+
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public class RdInterestRateSlabData {
+
+    private Long id;
+    private Integer srNo;
+    private String description;
+    private Integer periodTypeEnum;
+    private String periodTypeLabel;
+    private Integer fromPeriod;
+    private Integer toPeriod;
+    private BigDecimal annualInterestRate;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdBaseInterestRateEffective.java

@@ -0,0 +1,70 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Entity
+@Table(name = "m_rd_base_interest_rate_effective")
+@Getter
+@NoArgsConstructor
+public class RdBaseInterestRateEffective {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "version_label")
+    private String versionLabel;
+
+    @Column(name = "effective_from_date")
+    private LocalDate effectiveFromDate;
+
+    @Column(name = "effective_to_date")
+    private LocalDate effectiveToDate;
+
+    @Column(name = "is_active")
+    private Boolean isActive;
+
+    @Column(name = "remarks")
+    private String remarks;
+
+    @Column(name = "created_by_id")
+    private Long createdById;
+
+    @Column(name = "created_date")
+    private LocalDate createdDate;
+
+    public static RdBaseInterestRateEffective create(String versionLabel, LocalDate effectiveFromDate, String remarks, Long createdById) {
+        RdBaseInterestRateEffective e = new RdBaseInterestRateEffective();
+        e.versionLabel = versionLabel;
+        e.effectiveFromDate = effectiveFromDate;
+        e.isActive = true;
+        e.remarks = remarks;
+        e.createdById = createdById;
+        e.createdDate = LocalDate.now();
+        return e;
+    }
+
+    public void deactivate(LocalDate toDate) {
+        this.isActive = false;
+        this.effectiveToDate = toDate;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdBaseInterestRateEffectiveRepository.java

@@ -0,0 +1,22 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface RdBaseInterestRateEffectiveRepository extends JpaRepository<RdBaseInterestRateEffective, Long> {
+
+    List<RdBaseInterestRateEffective> findByIsActiveTrueOrderByEffectiveFromDateDesc();
+
+    List<RdBaseInterestRateEffective> findByOrderByEffectiveFromDateDesc();
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdBaseInterestRateSlabHistory.java

@@ -0,0 +1,67 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Entity
+@Table(name = "m_rd_base_interest_rate_slab_history")
+@Getter
+@NoArgsConstructor
+public class RdBaseInterestRateSlabHistory {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "effective_id")
+    private Long effectiveId;
+
+    @Column(name = "sr_no")
+    private Integer srNo;
+
+    @Column(name = "description")
+    private String description;
+
+    @Column(name = "period_type_enum")
+    private Integer periodTypeEnum;
+
+    @Column(name = "from_period")
+    private Integer fromPeriod;
+
+    @Column(name = "to_period")
+    private Integer toPeriod;
+
+    @Column(name = "annual_interest_rate")
+    private BigDecimal annualInterestRate;
+
+    public static RdBaseInterestRateSlabHistory create(Long effectiveId, Integer srNo,
+            String description, Integer periodTypeEnum, Integer fromPeriod, Integer toPeriod, BigDecimal annualInterestRate) {
+        RdBaseInterestRateSlabHistory s = new RdBaseInterestRateSlabHistory();
+        s.effectiveId = effectiveId;
+        s.srNo = srNo;
+        s.description = description;
+        s.periodTypeEnum = periodTypeEnum != null ? periodTypeEnum : 1;
+        s.fromPeriod = fromPeriod;
+        s.toPeriod = toPeriod;
+        s.annualInterestRate = annualInterestRate;
+        return s;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdBaseInterestRateSlabHistoryRepository.java

@@ -0,0 +1,20 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface RdBaseInterestRateSlabHistoryRepository extends JpaRepository<RdBaseInterestRateSlabHistory, Long> {
+
+    List<RdBaseInterestRateSlabHistory> findByEffectiveIdOrderBySrNo(Long effectiveId);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateEffective.java

@@ -0,0 +1,80 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+/**
+ * Maps to: m_rd_interest_rate_effective
+ * Stores one "version" of the bank's RD interest rate chart for a product.
+ * When a new version is saved the old one is deactivated (is_active=0) but kept for history.
+ */
+@Entity
+@Table(name = "m_rd_interest_rate_effective")
+@Getter
+@NoArgsConstructor
+public class RdInterestRateEffective {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "product_id")
+    private Long productId;
+
+    @Column(name = "version_label")
+    private String versionLabel;
+
+    @Column(name = "effective_from_date")
+    private LocalDate effectiveFromDate;
+
+    @Column(name = "effective_to_date")
+    private LocalDate effectiveToDate;
+
+    @Column(name = "is_active")
+    private Boolean isActive;
+
+    @Column(name = "remarks")
+    private String remarks;
+
+    @Column(name = "created_by_id")
+    private Long createdById;
+
+    @Column(name = "created_date")
+    private LocalDate createdDate;
+
+    public static RdInterestRateEffective create(Long productId, String versionLabel,
+            LocalDate effectiveFromDate, String remarks, Long createdById) {
+        RdInterestRateEffective e = new RdInterestRateEffective();
+        e.productId = productId;
+        e.versionLabel = versionLabel;
+        e.effectiveFromDate = effectiveFromDate;
+        e.isActive = true;
+        e.remarks = remarks;
+        e.createdById = createdById;
+        e.createdDate = LocalDate.now();
+        return e;
+    }
+
+    public void deactivate(LocalDate toDate) {
+        this.isActive = false;
+        this.effectiveToDate = toDate;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateEffectiveRepository.java

@@ -0,0 +1,24 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface RdInterestRateEffectiveRepository extends JpaRepository<RdInterestRateEffective, Long> {
+
+    List<RdInterestRateEffective> findByProductIdOrderByEffectiveFromDateDesc(Long productId);
+
+    List<RdInterestRateEffective> findByProductIdAndIsActiveTrueOrderByEffectiveFromDateDesc(Long productId);
+
+    List<RdInterestRateEffective> findByIsActiveTrueOrderByEffectiveFromDateDesc();
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateSlabHistory.java

@@ -0,0 +1,72 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+/**
+ * Maps to: m_rd_interest_rate_slab_history
+ * One row per slab per version. All historical slabs are preserved.
+ */
+@Entity
+@Table(name = "m_rd_interest_rate_slab_history")
+@Getter
+@NoArgsConstructor
+public class RdInterestRateSlabHistory {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "effective_id")
+    private Long effectiveId;
+
+    @Column(name = "sr_no")
+    private Integer srNo;
+
+    @Column(name = "description")
+    private String description;
+
+    @Column(name = "period_type_enum")
+    private Integer periodTypeEnum;
+
+    @Column(name = "from_period")
+    private Integer fromPeriod;
+
+    @Column(name = "to_period")
+    private Integer toPeriod;
+
+    @Column(name = "annual_interest_rate")
+    private BigDecimal annualInterestRate;
+
+    public static RdInterestRateSlabHistory create(Long effectiveId, Integer srNo,
+            String description, Integer periodTypeEnum,
+            Integer fromPeriod, Integer toPeriod, BigDecimal annualInterestRate) {
+        RdInterestRateSlabHistory s = new RdInterestRateSlabHistory();
+        s.effectiveId = effectiveId;
+        s.srNo = srNo;
+        s.description = description;
+        s.periodTypeEnum = periodTypeEnum != null ? periodTypeEnum : 1;
+        s.fromPeriod = fromPeriod;
+        s.toPeriod = toPeriod;
+        s.annualInterestRate = annualInterestRate;
+        return s;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateSlabHistoryRepository.java

@@ -0,0 +1,20 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface RdInterestRateSlabHistoryRepository extends JpaRepository<RdInterestRateSlabHistory, Long> {
+
+    List<RdInterestRateSlabHistory> findByEffectiveIdOrderBySrNo(Long effectiveId);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/DepositProductReadPlatformServiceImpl.java

@@ -301,9 +301,26 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
             sqlBuilder.append("dptp.in_multiples_of_deposit_term_type_enum as inMultiplesOfDepositTermTypeId, ");
             sqlBuilder.append("sp.account_type as accountType, sp.customer_segment as customerSegment, ");
             sqlBuilder.append("sp.product_code as productCode, ");
+            sqlBuilder.append("sp.effective_date as effectiveDate, sp.effective_to as effectiveTo, sp.end_date as endDate, ");
+            sqlBuilder.append("sp.introducer_required as introducerRequired, sp.share_linking_enabled as shareLinkingEnabled, ");
+            sqlBuilder.append("sp.nomination_facility as nominationFacility, sp.dormancy_alert as dormancyAlert, ");
             sqlBuilder.append("sp.interest_calculate_selector as interestCalculateSelector, ");
             sqlBuilder.append("sp.average_period as averagePeriod, ");
-            sqlBuilder.append("sp.auto_post as autoPost, sp.frequency_fix_day as frequencyFixDay ");
+            sqlBuilder.append("sp.auto_post as autoPost, sp.frequency_fix_day as frequencyFixDay, ");
+            sqlBuilder.append("sp.last_interest_date as lastInterestDate, sp.enable_lockin_period as enableLockinPeriod, ");
+            sqlBuilder.append("sp.balance_frequency as balanceFrequency, ");
+            sqlBuilder.append("sp.account_closed_zero_balance_in_day_closing as accountClosedZeroBalanceInDayClosing, ");
+            sqlBuilder.append("sp.balance_swap_option as balanceSwapOption, sp.msme as msme, ");
+            sqlBuilder.append("sp.auto_debit_facility as autoDebitFacility, sp.loan_facility as loanFacility, ");
+            sqlBuilder.append("sp.premature_withdrawal_option as prematureWithdrawalOption, sp.tenure_flexibility as tenureFlexibility, ");
+            sqlBuilder.append("sp.lien_marked as lienMarked, sp.maturity_instructions as maturityInstructions, ");
+            sqlBuilder.append("sp.credit_maturity_proceeds as creditMaturityProceeds, ");
+            sqlBuilder.append("sp.penalty_grace_period_missed_installments as penaltyGracePeriodMissedInstallments, ");
+            sqlBuilder.append("sp.panel_request_applicable as panelRequestApplicable, ");
+            sqlBuilder.append("sp.no_penalty_nominee_heir_closure as noPenaltyNomineeHeirClosure, ");
+            sqlBuilder.append("sp.deceased_settlement as deceasedSettlement, ");
+            sqlBuilder.append("sp.allow_debit_txn_after_due_date as allowDebitTxnAfterDueDate, ");
+            sqlBuilder.append("sp.withdrawal_fee_for_transfer as withdrawalFeeForTransfers ");
             sqlBuilder.append("from m_savings_product sp ");
             sqlBuilder.append("left join m_deposit_product_term_and_preclosure dptp on sp.id=dptp.savings_product_id ");
             sqlBuilder.append("left join m_deposit_product_recurring_detail dprd on sp.id=dprd.savings_product_id ");
@@ -350,10 +367,36 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
             final String accountType = rs.getString("accountType");
             final String customerSegment = rs.getString("customerSegment");
             final String productCode = rs.getString("productCode");
+            final java.time.LocalDate effectiveDate = JdbcSupport.getLocalDate(rs, "effectiveDate");
+            final java.time.LocalDate effectiveTo = JdbcSupport.getLocalDate(rs, "effectiveTo");
+            final java.time.LocalDate endDate = JdbcSupport.getLocalDate(rs, "endDate");
+            final boolean introducerRequired = rs.getBoolean("introducerRequired");
+            final boolean shareLinkingEnabled = rs.getBoolean("shareLinkingEnabled");
+            final boolean nominationFacility = rs.getBoolean("nominationFacility");
+            final boolean dormancyAlert = rs.getBoolean("dormancyAlert");
             final Integer interestCalculateSelector = JdbcSupport.getInteger(rs, "interestCalculateSelector");
             final String averagePeriod = rs.getString("averagePeriod");
-            final Boolean autoPost = rs.getBoolean("autoPost");
+            final boolean autoPost = rs.getBoolean("autoPost");
             final Integer frequencyFixDay = JdbcSupport.getInteger(rs, "frequencyFixDay");
+            final java.time.LocalDate lastInterestDate = JdbcSupport.getLocalDate(rs, "lastInterestDate");
+            final boolean enableLockinPeriod = rs.getBoolean("enableLockinPeriod");
+            final String balanceFrequency = rs.getString("balanceFrequency");
+            final boolean accountClosedZeroBalanceInDayClosing = rs.getBoolean("accountClosedZeroBalanceInDayClosing");
+            final boolean balanceSwapOption = rs.getBoolean("balanceSwapOption");
+            final boolean msme = rs.getBoolean("msme");
+            final boolean autoDebitFacility = rs.getBoolean("autoDebitFacility");
+            final boolean loanFacility = rs.getBoolean("loanFacility");
+            final boolean prematureWithdrawalOption = rs.getBoolean("prematureWithdrawalOption");
+            final boolean tenureFlexibility = rs.getBoolean("tenureFlexibility");
+            final boolean lienMarked = rs.getBoolean("lienMarked");
+            final boolean maturityInstructions = rs.getBoolean("maturityInstructions");
+            final boolean creditMaturityProceeds = rs.getBoolean("creditMaturityProceeds");
+            final boolean penaltyGracePeriodMissedInstallments = rs.getBoolean("penaltyGracePeriodMissedInstallments");
+            final boolean panelRequestApplicable = rs.getBoolean("panelRequestApplicable");
+            final boolean noPenaltyNomineeHeirClosure = rs.getBoolean("noPenaltyNomineeHeirClosure");
+            final boolean deceasedSettlement = rs.getBoolean("deceasedSettlement");
+            final boolean allowDebitTxnAfterDueDate = rs.getBoolean("allowDebitTxnAfterDueDate");
+            final boolean withdrawalFeeForTransfers = rs.getBoolean("withdrawalFeeForTransfers");
 
             RecurringDepositProductData result = RecurringDepositProductData.instance(depositProductData,
                     preClosurePenalApplicable, preClosurePenalInterest,
@@ -363,10 +406,36 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
             result.setAccountType(accountType);
             result.setCustomerSegment(customerSegment);
             result.setProductCode(productCode);
+            result.setEffectiveDate(effectiveDate);
+            result.setEffectiveTo(effectiveTo);
+            result.setEndDate(endDate);
+            result.setIntroducerRequired(introducerRequired);
+            result.setShareLinkingEnabled(shareLinkingEnabled);
+            result.setNominationFacility(nominationFacility);
+            result.setDormancyAlert(dormancyAlert);
             result.setInterestCalculateSelector(interestCalculateSelector);
             result.setAveragePeriod(averagePeriod);
             result.setAutoPost(autoPost);
             result.setFrequencyFixDay(frequencyFixDay);
+            result.setLastInterestDate(lastInterestDate);
+            result.setEnableLockinPeriod(enableLockinPeriod);
+            result.setBalanceFrequency(balanceFrequency);
+            result.setAccountClosedZeroBalanceInDayClosing(accountClosedZeroBalanceInDayClosing);
+            result.setBalanceSwapOption(balanceSwapOption);
+            result.setMsme(msme);
+            result.setAutoDebitFacility(autoDebitFacility);
+            result.setLoanFacility(loanFacility);
+            result.setPrematureWithdrawalOption(prematureWithdrawalOption);
+            result.setTenureFlexibility(tenureFlexibility);
+            result.setLienMarked(lienMarked);
+            result.setMaturityInstructions(maturityInstructions);
+            result.setCreditMaturityProceeds(creditMaturityProceeds);
+            result.setPenaltyGracePeriodMissedInstallments(penaltyGracePeriodMissedInstallments);
+            result.setPanelRequestApplicable(panelRequestApplicable);
+            result.setNoPenaltyNomineeHeirClosure(noPenaltyNomineeHeirClosure);
+            result.setDeceasedSettlement(deceasedSettlement);
+            result.setAllowDebitTxnAfterDueDate(allowDebitTxnAfterDueDate);
+            result.setWithdrawalFeeForTransfers(withdrawalFeeForTransfers);
             return result;
         }
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/RdBaseInterestRateReadPlatformService.java

@@ -0,0 +1,25 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.savings.api.RdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateEffectiveData;
+
+public interface RdBaseInterestRateReadPlatformService {
+
+    List<RdInterestRateEffectiveData> retrieveAllInterestRates();
+
+    List<RdInterestRateEffectiveData> retrieveAllActiveInterestRates();
+
+    RdInterestRateEffectiveData saveInterestRates(RdInterestRateSaveRequest request, Long createdById);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/RdBaseInterestRateReadPlatformServiceImpl.java

@@ -0,0 +1,202 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.Comparator;
+import java.util.List;
+import java.util.concurrent.atomic.AtomicInteger;
+import java.util.stream.Collectors;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.portfolio.savings.api.RdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateEffectiveData;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateSlabData;
+import org.apache.fineract.portfolio.savings.domain.RdBaseInterestRateEffective;
+import org.apache.fineract.portfolio.savings.domain.RdBaseInterestRateEffectiveRepository;
+import org.apache.fineract.portfolio.savings.domain.RdBaseInterestRateSlabHistory;
+import org.apache.fineract.portfolio.savings.domain.RdBaseInterestRateSlabHistoryRepository;
+import org.springframework.transaction.annotation.Transactional;
+
+@RequiredArgsConstructor
+public class RdBaseInterestRateReadPlatformServiceImpl implements RdBaseInterestRateReadPlatformService {
+
+    private final RdBaseInterestRateEffectiveRepository effectiveRepository;
+    private final RdBaseInterestRateSlabHistoryRepository slabRepository;
+
+    private static final String[] PERIOD_LABELS = { "", "Days", "Months", "Years" };
+
+    @Override
+    public List<RdInterestRateEffectiveData> retrieveAllInterestRates() {
+        return effectiveRepository.findByOrderByEffectiveFromDateDesc().stream().map(this::toData).collect(Collectors.toList());
+    }
+
+    @Override
+    public List<RdInterestRateEffectiveData> retrieveAllActiveInterestRates() {
+        return effectiveRepository.findByIsActiveTrueOrderByEffectiveFromDateDesc().stream().map(this::toData).collect(Collectors.toList());
+    }
+
+    @Override
+    @Transactional
+    public RdInterestRateEffectiveData saveInterestRates(RdInterestRateSaveRequest request, Long createdById) {
+        validateRequest(request);
+        final List<RdInterestRateSaveRequest.SlabRequest> normalizedSlabs = normalizeSlabs(request.getSlabs());
+
+        final LocalDate today = LocalDate.now();
+        final List<RdBaseInterestRateEffective> activeVersions = effectiveRepository.findByIsActiveTrueOrderByEffectiveFromDateDesc();
+        for (RdBaseInterestRateEffective version : activeVersions) {
+            version.deactivate(today);
+        }
+        if (!activeVersions.isEmpty()) {
+            effectiveRepository.saveAll(activeVersions);
+        }
+
+        final String label = request.getVersionLabel() != null && !request.getVersionLabel().isBlank()
+                ? request.getVersionLabel()
+                : "CBS Base Rate Version " + LocalDate.now();
+
+        RdBaseInterestRateEffective newVersion = RdBaseInterestRateEffective.create(label, LocalDate.now(), request.getRemarks(), createdById);
+        newVersion = effectiveRepository.saveAndFlush(newVersion);
+
+        final Long versionId = newVersion.getId();
+        final AtomicInteger srCounter = new AtomicInteger(1);
+        for (RdInterestRateSaveRequest.SlabRequest slabRequest : normalizedSlabs) {
+            final int sr = slabRequest.getSrNo() != null ? slabRequest.getSrNo() : srCounter.getAndIncrement();
+            final RdBaseInterestRateSlabHistory slab = RdBaseInterestRateSlabHistory.create(versionId, sr, slabRequest.getDescription(),
+                    slabRequest.getPeriodTypeEnum(), slabRequest.getFromPeriod(), slabRequest.getToPeriod(),
+                    slabRequest.getAnnualInterestRate());
+            slabRepository.save(slab);
+        }
+
+        return toData(newVersion);
+    }
+
+    private void validateRequest(final RdInterestRateSaveRequest request) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final DataValidatorBuilder validator = new DataValidatorBuilder(errors).resource("RD_BASE_INTEREST_RATE_VERSION");
+
+        if (request == null) {
+            validator.failWithCodeNoParameterAddedToErrorCode("request.cannot.be.null");
+            throwExceptionIfValidationWarningsExist(errors);
+            return;
+        }
+
+        if (request.getSlabs() == null || request.getSlabs().isEmpty()) {
+            validator.parameter("slabs").failWithCode("cannot.be.blank");
+        }
+
+        if (request.getVersionLabel() != null && request.getVersionLabel().length() > 100) {
+            validator.parameter("versionLabel").value(request.getVersionLabel()).failWithCode("exceeds.max.length");
+        }
+
+        throwExceptionIfValidationWarningsExist(errors);
+    }
+
+    private List<RdInterestRateSaveRequest.SlabRequest> normalizeSlabs(final List<RdInterestRateSaveRequest.SlabRequest> slabs) {
+        final List<RdInterestRateSaveRequest.SlabRequest> sorted = new ArrayList<>(slabs);
+        sorted.sort(Comparator.comparing((RdInterestRateSaveRequest.SlabRequest slab) -> slab.getSrNo() == null ? Integer.MAX_VALUE : slab.getSrNo())
+                .thenComparing(slab -> slab.getFromPeriod() == null ? Integer.MAX_VALUE : slab.getFromPeriod()));
+
+        final List<RdInterestRateSaveRequest.SlabRequest> normalized = new ArrayList<>(sorted.size());
+        Integer expectedFrom = 0;
+        for (int i = 0; i < sorted.size(); i++) {
+            final RdInterestRateSaveRequest.SlabRequest source = sorted.get(i);
+            final RdInterestRateSaveRequest.SlabRequest target = new RdInterestRateSaveRequest.SlabRequest();
+
+            final Integer fromPeriod = source.getFromPeriod();
+            if (fromPeriod == null || !fromPeriod.equals(expectedFrom)) {
+                throwValidationError("fromPeriod", "must.start.from.previous.range.end");
+            }
+            target.setFromPeriod(fromPeriod);
+
+            final Integer toPeriod = source.getToPeriod();
+            if (i < sorted.size() - 1) {
+                if (toPeriod == null) {
+                    throwValidationError("toPeriod", "cannot.be.blank.for.intermediate.slab");
+                }
+                if (toPeriod < fromPeriod) {
+                    throwValidationError("toPeriod", "cannot.be.less.than.fromPeriod");
+                }
+                expectedFrom = toPeriod + 1;
+                target.setToPeriod(toPeriod);
+            } else {
+                target.setToPeriod(null);
+            }
+
+            target.setSrNo(source.getSrNo() == null ? i + 1 : source.getSrNo());
+            target.setDescription(source.getDescription());
+            target.setPeriodTypeEnum(source.getPeriodTypeEnum() == null ? 1 : source.getPeriodTypeEnum());
+            target.setAnnualInterestRate(source.getAnnualInterestRate());
+
+            if (target.getAnnualInterestRate() == null) {
+                throwValidationError("annualInterestRate", "cannot.be.blank");
+            }
+            if (target.getAnnualInterestRate().signum() < 0) {
+                throwValidationError("annualInterestRate", "must.be.non.negative");
+            }
+
+            normalized.add(target);
+        }
+
+        if (!normalized.isEmpty() && normalized.get(0).getFromPeriod() != 0) {
+            throwValidationError("fromPeriod", "must.start.from.zero");
+        }
+
+        return normalized;
+    }
+
+    private void throwValidationError(final String parameterName, final String code) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+        new DataValidatorBuilder(errors).resource("RD_BASE_INTEREST_RATE_VERSION").parameter(parameterName).failWithCode(code);
+        throwExceptionIfValidationWarningsExist(errors);
+    }
+
+    private void throwExceptionIfValidationWarningsExist(final List<ApiParameterError> dataValidationErrors) {
+        if (!dataValidationErrors.isEmpty()) {
+            throw new PlatformApiDataValidationException(dataValidationErrors);
+        }
+    }
+
+    private RdInterestRateEffectiveData toData(RdBaseInterestRateEffective e) {
+        List<RdInterestRateSlabData> slabs = slabRepository.findByEffectiveIdOrderBySrNo(e.getId()).stream()
+                .map(s -> RdInterestRateSlabData.builder()
+                        .id(s.getId())
+                        .srNo(s.getSrNo())
+                        .description(s.getDescription())
+                        .periodTypeEnum(s.getPeriodTypeEnum())
+                        .periodTypeLabel(periodLabel(s.getPeriodTypeEnum()))
+                        .fromPeriod(s.getFromPeriod())
+                        .toPeriod(s.getToPeriod())
+                        .annualInterestRate(s.getAnnualInterestRate())
+                        .build())
+                .collect(Collectors.toList());
+
+        return RdInterestRateEffectiveData.builder()
+                .id(e.getId())
+                .productId(null)
+                .versionLabel(e.getVersionLabel())
+                .effectiveFromDate(e.getEffectiveFromDate())
+                .effectiveToDate(e.getEffectiveToDate())
+                .isActive(e.getIsActive())
+                .remarks(e.getRemarks())
+                .slabs(slabs)
+                .build();
+    }
+
+    private String periodLabel(Integer code) {
+        if (code == null || code < 1 || code >= PERIOD_LABELS.length) return "Days";
+        return PERIOD_LABELS[code];
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/RdInterestRateReadPlatformService.java

@@ -0,0 +1,32 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.savings.api.RdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateEffectiveData;
+
+public interface RdInterestRateReadPlatformService {
+
+    /** All versions (with slabs) for a specific product, newest first. */
+    List<RdInterestRateEffectiveData> retrieveInterestRates(Long productId);
+
+    /** All active versions across all RD products – used as reference on the create-product page. */
+    List<RdInterestRateEffectiveData> retrieveAllActiveInterestRates();
+
+    /**
+     * Saves a NEW version of the rate chart for the given product.
+     * Deactivates the previous active version first (immutable history).
+     * Returns the newly created version's data.
+     */
+    RdInterestRateEffectiveData saveInterestRates(Long productId, RdInterestRateSaveRequest request, Long createdById);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/RdInterestRateReadPlatformServiceImpl.java

@@ -0,0 +1,216 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.Comparator;
+import java.util.List;
+import java.util.stream.Collectors;
+import java.util.concurrent.atomic.AtomicInteger;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.portfolio.savings.api.RdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateEffectiveData;
+import org.apache.fineract.portfolio.savings.data.RdInterestRateSlabData;
+import org.apache.fineract.portfolio.savings.domain.RdInterestRateEffective;
+import org.apache.fineract.portfolio.savings.domain.RdInterestRateEffectiveRepository;
+import org.apache.fineract.portfolio.savings.domain.RdInterestRateSlabHistory;
+import org.apache.fineract.portfolio.savings.domain.RdInterestRateSlabHistoryRepository;
+import org.springframework.transaction.annotation.Transactional;
+
+@RequiredArgsConstructor
+public class RdInterestRateReadPlatformServiceImpl implements RdInterestRateReadPlatformService {
+
+    private final RdInterestRateEffectiveRepository effectiveRepository;
+    private final RdInterestRateSlabHistoryRepository slabRepository;
+
+    private static final String[] PERIOD_LABELS = { "", "Days", "Months", "Years" };
+
+    @Override
+    public List<RdInterestRateEffectiveData> retrieveInterestRates(Long productId) {
+        return effectiveRepository.findByProductIdOrderByEffectiveFromDateDesc(productId)
+                .stream().map(this::toData).collect(Collectors.toList());
+    }
+
+    @Override
+    public List<RdInterestRateEffectiveData> retrieveAllActiveInterestRates() {
+        return effectiveRepository.findByIsActiveTrueOrderByEffectiveFromDateDesc()
+                .stream().map(this::toData).collect(Collectors.toList());
+    }
+
+    @Override
+    @Transactional
+    public RdInterestRateEffectiveData saveInterestRates(Long productId,
+            RdInterestRateSaveRequest request, Long createdById) {
+
+        validateRequest(request);
+        final List<RdInterestRateSaveRequest.SlabRequest> normalizedSlabs = normalizeSlabs(request.getSlabs());
+
+        // 1. Deactivate all current active versions for this product, preserving end dates for audit/history.
+        final LocalDate today = LocalDate.now();
+        final List<RdInterestRateEffective> activeVersions = effectiveRepository
+                .findByProductIdAndIsActiveTrueOrderByEffectiveFromDateDesc(productId);
+        for (RdInterestRateEffective version : activeVersions) {
+            version.deactivate(today);
+        }
+        if (!activeVersions.isEmpty()) {
+            effectiveRepository.saveAll(activeVersions);
+        }
+
+        // 2. Create the new version header
+        String label = request.getVersionLabel() != null && !request.getVersionLabel().isBlank()
+                ? request.getVersionLabel()
+                : "Rate Version " + LocalDate.now();
+
+        RdInterestRateEffective newVersion = RdInterestRateEffective.create(
+                productId, label, LocalDate.now(), request.getRemarks(), createdById);
+        newVersion = effectiveRepository.saveAndFlush(newVersion);
+
+        // 3. Insert slabs for the new version
+        final Long versionId = newVersion.getId();
+        AtomicInteger srCounter = new AtomicInteger(1);
+        for (RdInterestRateSaveRequest.SlabRequest s : normalizedSlabs) {
+                int sr = s.getSrNo() != null ? s.getSrNo() : srCounter.getAndIncrement();
+                RdInterestRateSlabHistory slab = RdInterestRateSlabHistory.create(
+                        versionId, sr, s.getDescription(),
+                        s.getPeriodTypeEnum(), s.getFromPeriod(), s.getToPeriod(),
+                        s.getAnnualInterestRate());
+                slabRepository.save(slab);
+        }
+
+        return toData(newVersion);
+    }
+
+    private void validateRequest(final RdInterestRateSaveRequest request) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final DataValidatorBuilder validator = new DataValidatorBuilder(errors).resource("RD_INTEREST_RATE_VERSION");
+
+        if (request == null) {
+            validator.failWithCodeNoParameterAddedToErrorCode("request.cannot.be.null");
+            throwExceptionIfValidationWarningsExist(errors);
+            return;
+        }
+
+        if (request.getSlabs() == null || request.getSlabs().isEmpty()) {
+            validator.parameter("slabs").failWithCode("cannot.be.blank");
+        }
+
+        if (request.getVersionLabel() != null && request.getVersionLabel().length() > 100) {
+            validator.parameter("versionLabel").value(request.getVersionLabel()).failWithCode("exceeds.max.length");
+        }
+
+        throwExceptionIfValidationWarningsExist(errors);
+    }
+
+    private List<RdInterestRateSaveRequest.SlabRequest> normalizeSlabs(final List<RdInterestRateSaveRequest.SlabRequest> slabs) {
+        final List<RdInterestRateSaveRequest.SlabRequest> sorted = new ArrayList<>(slabs);
+        sorted.sort(Comparator.comparing((RdInterestRateSaveRequest.SlabRequest slab) -> slab.getSrNo() == null ? Integer.MAX_VALUE : slab.getSrNo())
+                .thenComparing(slab -> slab.getFromPeriod() == null ? Integer.MAX_VALUE : slab.getFromPeriod()));
+
+        final List<RdInterestRateSaveRequest.SlabRequest> normalized = new ArrayList<>(sorted.size());
+        Integer expectedFrom = 0;
+        for (int i = 0; i < sorted.size(); i++) {
+            final RdInterestRateSaveRequest.SlabRequest source = sorted.get(i);
+            final RdInterestRateSaveRequest.SlabRequest target = new RdInterestRateSaveRequest.SlabRequest();
+
+            final Integer fromPeriod = source.getFromPeriod();
+            if (fromPeriod == null || !fromPeriod.equals(expectedFrom)) {
+                throwValidationError("fromPeriod", "must.start.from.previous.range.end");
+            }
+            target.setFromPeriod(fromPeriod);
+
+            final Integer toPeriod = source.getToPeriod();
+            if (i < sorted.size() - 1) {
+                if (toPeriod == null) {
+                    throwValidationError("toPeriod", "cannot.be.blank.for.intermediate.slab");
+                }
+                if (toPeriod < fromPeriod) {
+                    throwValidationError("toPeriod", "cannot.be.less.than.fromPeriod");
+                }
+                expectedFrom = toPeriod + 1;
+                target.setToPeriod(toPeriod);
+            } else {
+                target.setToPeriod(null);
+            }
+
+            target.setSrNo(source.getSrNo() == null ? i + 1 : source.getSrNo());
+            target.setDescription(source.getDescription());
+            target.setPeriodTypeEnum(source.getPeriodTypeEnum() == null ? 1 : source.getPeriodTypeEnum());
+            target.setAnnualInterestRate(source.getAnnualInterestRate());
+
+            if (target.getAnnualInterestRate() == null) {
+                throwValidationError("annualInterestRate", "cannot.be.blank");
+            }
+            if (target.getAnnualInterestRate().signum() < 0) {
+                throwValidationError("annualInterestRate", "must.be.non.negative");
+            }
+
+            normalized.add(target);
+        }
+
+        if (!normalized.isEmpty() && normalized.get(0).getFromPeriod() != 0) {
+            throwValidationError("fromPeriod", "must.start.from.zero");
+        }
+
+        return normalized;
+    }
+
+    private void throwValidationError(final String parameterName, final String code) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+        new DataValidatorBuilder(errors).resource("RD_INTEREST_RATE_VERSION").parameter(parameterName).failWithCode(code);
+        throwExceptionIfValidationWarningsExist(errors);
+    }
+
+    private void throwExceptionIfValidationWarningsExist(final List<ApiParameterError> dataValidationErrors) {
+        if (!dataValidationErrors.isEmpty()) {
+            throw new PlatformApiDataValidationException(dataValidationErrors);
+        }
+    }
+
+    // ── helpers ─────────────────────────────────────────────────────────────
+
+    private RdInterestRateEffectiveData toData(RdInterestRateEffective e) {
+        List<RdInterestRateSlabData> slabs = slabRepository
+                .findByEffectiveIdOrderBySrNo(e.getId())
+                .stream()
+                .map(s -> RdInterestRateSlabData.builder()
+                        .id(s.getId())
+                        .srNo(s.getSrNo())
+                        .description(s.getDescription())
+                        .periodTypeEnum(s.getPeriodTypeEnum())
+                        .periodTypeLabel(periodLabel(s.getPeriodTypeEnum()))
+                        .fromPeriod(s.getFromPeriod())
+                        .toPeriod(s.getToPeriod())
+                        .annualInterestRate(s.getAnnualInterestRate())
+                        .build())
+                .collect(Collectors.toList());
+
+        return RdInterestRateEffectiveData.builder()
+                .id(e.getId())
+                .productId(e.getProductId())
+                .versionLabel(e.getVersionLabel())
+                .effectiveFromDate(e.getEffectiveFromDate())
+                .effectiveToDate(e.getEffectiveToDate())
+                .isActive(e.getIsActive())
+                .remarks(e.getRemarks())
+                .slabs(slabs)
+                .build();
+    }
+
+    private String periodLabel(Integer code) {
+        if (code == null || code < 1 || code >= PERIOD_LABELS.length) return "Days";
+        return PERIOD_LABELS[code];
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/starter/SavingsConfiguration.java

@@ -144,6 +144,10 @@ import org.apache.fineract.portfolio.savings.service.SavingsProductReadPlatformS
 import org.apache.fineract.portfolio.savings.service.SavingsProductReadPlatformServiceImpl;
 import org.apache.fineract.portfolio.savings.service.SavingsProductWritePlatformService;
 import org.apache.fineract.portfolio.savings.service.SavingsProductWritePlatformServiceJpaRepositoryImpl;
+import org.apache.fineract.portfolio.savings.domain.RdBaseInterestRateEffectiveRepository;
+import org.apache.fineract.portfolio.savings.domain.RdBaseInterestRateSlabHistoryRepository;
+import org.apache.fineract.portfolio.savings.service.RdBaseInterestRateReadPlatformService;
+import org.apache.fineract.portfolio.savings.service.RdBaseInterestRateReadPlatformServiceImpl;
 import org.apache.fineract.portfolio.savings.service.SavingsSchedularInterestPoster;
 import org.apache.fineract.portfolio.savings.service.SavingsSchedularInterestPosterTask;
 import org.apache.fineract.portfolio.savings.service.search.SavingsAccountTransactionSearchService;
@@ -159,6 +163,14 @@ import org.springframework.jdbc.core.JdbcTemplate;
 @Configuration
 public class SavingsConfiguration {
 
+    @Bean
+    @ConditionalOnMissingBean(RdBaseInterestRateReadPlatformService.class)
+    public RdBaseInterestRateReadPlatformService rdBaseInterestRateReadPlatformService(
+            RdBaseInterestRateEffectiveRepository effectiveRepository,
+            RdBaseInterestRateSlabHistoryRepository slabRepository) {
+        return new RdBaseInterestRateReadPlatformServiceImpl(effectiveRepository, slabRepository);
+    }
+
     @Bean
     @ConditionalOnMissingBean(SavingsAccountTransactionSearchService.class)
     public SavingsAccountTransactionSearchService savingsAccountTransactionSearchService(PlatformSecurityContext context,

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

@@ -271,4 +271,9 @@
     <include file="parts/0251_add_savings_product_enhanced_fields.xml" relativeToChangelogFile="true"/>
     <include file="parts/0255_create_current_product_tables.xml" relativeToChangelogFile="true"/>
     <include file="parts/0256_add_recurring_deposit_product_codes.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0257_create_rd_interest_rate_tables.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0267_seed_rd_interest_rate_data.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0270_add_rd_product_extra_fields.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0271_create_rd_base_interest_rate_tables.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0272_seed_rd_base_interest_rate_data.xml" relativeToChangelogFile="true"/>
 </databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0257_create_rd_interest_rate_tables.xml

@@ -0,0 +1,95 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+    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
+-->
+<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-4.1.xsd">
+
+    <!--
+        m_rd_interest_rate_effective  — one row per rate-version per product.
+        m_rd_interest_rate_slab_history — slabs for every version (immutable once written).
+
+        Period Type Enum: 1 = Days, 2 = Months, 3 = Years
+    -->
+
+    <changeSet id="0257a_create_rd_interest_rate_effective" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_rd_interest_rate_effective"/></not>
+        </preConditions>
+        <createTable tableName="m_rd_interest_rate_effective">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="product_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="version_label" type="VARCHAR(100)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="effective_from_date" type="DATE">
+                <constraints nullable="false"/>
+            </column>
+            <column name="effective_to_date" type="DATE"/>
+            <column name="is_active" type="BOOLEAN" defaultValueBoolean="true">
+                <constraints nullable="false"/>
+            </column>
+            <column name="remarks" type="VARCHAR(500)"/>
+            <column name="created_by_id" type="BIGINT"/>
+            <column name="created_date" type="DATE"/>
+        </createTable>
+        <addForeignKeyConstraint
+            baseTableName="m_rd_interest_rate_effective"
+            baseColumnNames="product_id"
+            referencedTableName="m_savings_product"
+            referencedColumnNames="id"
+            constraintName="fk_rd_rate_effective_product"/>
+    </changeSet>
+
+    <changeSet id="0257b_create_rd_interest_rate_slab_history" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_rd_interest_rate_slab_history"/></not>
+        </preConditions>
+        <createTable tableName="m_rd_interest_rate_slab_history">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="effective_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="sr_no" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="description" type="VARCHAR(200)"/>
+            <column name="period_type_enum" type="INT" defaultValueNumeric="1">
+                <constraints nullable="false"/>
+            </column>
+            <column name="from_period" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="to_period" type="INT"/>
+            <column name="annual_interest_rate" type="DECIMAL(19,6)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="created_date" type="DATE"/>
+        </createTable>
+        <addForeignKeyConstraint
+            baseTableName="m_rd_interest_rate_slab_history"
+            baseColumnNames="effective_id"
+            referencedTableName="m_rd_interest_rate_effective"
+            referencedColumnNames="id"
+            constraintName="fk_rd_rate_slab_effective"/>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0267_seed_rd_interest_rate_data.xml

@@ -0,0 +1,94 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+    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
+-->
+<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-4.1.xsd">
+
+    <!--
+        Seed RD Interest Rate Data  (runs only if both tables are empty)
+        Sr  Particular                  Rate
+         1  0 Days to 29 Days          3.00%
+         2  30 Days to 45 Days          3.00%
+         3  46 Days to 90 Days          3.00%
+         4  91 Days to 180 Days         4.50%
+         5  181 Days to below 1 Year    5.50%
+         6  1 Year to Below 2 Year      7.00%
+         7  444 Days                    7.00%
+         8  400 Days                    7.00%
+         9  500 Days                    7.00%
+        10  2 Year to Below 3 Year      7.00%
+        11  3 Year to Below 5 Year      7.25%
+        12  5 Year &amp; Above          6.50%
+    -->
+
+    <changeSet id="0267_insert_rd_rate_version" author="fineract">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_rd_interest_rate_effective</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_rd_interest_rate_effective
+                (product_id, version_label, effective_from_date, effective_to_date, is_active, remarks, created_by_id, created_date)
+            SELECT id, 'Initial Rate Version', '2025-01-01', NULL, TRUE,
+                   'Standard interest rate card published for RD products', 1, CURRENT_DATE
+            FROM m_savings_product
+            WHERE deposit_type_enum = 300
+            ORDER BY id LIMIT 1;
+        </sql>
+    </changeSet>
+
+    <changeSet id="0268_insert_rd_rate_slabs" author="fineract">
+        <validCheckSum>9:e35a0696046940f370f7cfb55c20740b</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_rd_interest_rate_slab_history</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 1,  '0 Days to 29 Days',       1,   0,   29, 3.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 2,  '30 Days to 45 Days',       1,   30,   45, 3.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 3,  '46 Days to 90 Days',       1,   46,   90, 3.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 4,  '91 Days to 180 Days',      1,   91,  180, 4.500000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 5,  '181 Days to below 1 Year', 1,  181,  364, 5.500000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 6,  '1 Year to Below 2 Year',   1,  365,  729, 7.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 7,  '444 Days',                 1,  444,  444, 7.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 8,  '400 Days',                 1,  400,  400, 7.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 9,  '500 Days',                 1,  500,  500, 7.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 10, '2 Year to Below 3 Year',   1,  730, 1094, 7.000000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 11, '3 Year to Below 5 Year',   1, 1095, 1824, 7.250000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+
+            INSERT INTO m_rd_interest_rate_slab_history (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT e.id, 12, '5 Year &amp; Above',       1, 1825, NULL, 6.500000, CURRENT_DATE FROM m_rd_interest_rate_effective e WHERE e.version_label='Initial Rate Version' AND e.product_id=(SELECT id FROM m_savings_product WHERE deposit_type_enum=300 ORDER BY id LIMIT 1);
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0270_add_rd_product_extra_fields.xml

@@ -0,0 +1,96 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+    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
+-->
+<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-4.1.xsd">
+
+    <!-- balance_frequency — may already exist from a prior manual migration -->
+    <changeSet id="0270a_add_balance_frequency" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><columnExists tableName="m_savings_product" columnName="balance_frequency"/></not>
+        </preConditions>
+        <addColumn tableName="m_savings_product">
+            <column name="balance_frequency" type="varchar(50)">
+                <constraints nullable="true"/>
+            </column>
+        </addColumn>
+    </changeSet>
+
+    <!-- account_closed_zero_balance_in_day_closing — may already exist -->
+    <changeSet id="0270b_add_account_closed_zero_balance" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><columnExists tableName="m_savings_product" columnName="account_closed_zero_balance_in_day_closing"/></not>
+        </preConditions>
+        <addColumn tableName="m_savings_product">
+            <column name="account_closed_zero_balance_in_day_closing" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+        </addColumn>
+    </changeSet>
+
+    <!-- 14 new RD-specific boolean flags -->
+    <changeSet id="0270c_add_rd_product_flags" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><columnExists tableName="m_savings_product" columnName="balance_swap_option"/></not>
+        </preConditions>
+        <addColumn tableName="m_savings_product">
+            <column name="balance_swap_option" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="msme" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="auto_debit_facility" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="loan_facility" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="premature_withdrawal_option" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="tenure_flexibility" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="lien_marked" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="maturity_instructions" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="credit_maturity_proceeds" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="penalty_grace_period_missed_installments" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="panel_request_applicable" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="no_penalty_nominee_heir_closure" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="deceased_settlement" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+            <column name="allow_debit_txn_after_due_date" type="boolean" defaultValueBoolean="false">
+                <constraints nullable="false"/>
+            </column>
+        </addColumn>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0271_create_rd_base_interest_rate_tables.xml

@@ -0,0 +1,67 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<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-4.1.xsd">
+
+    <changeSet id="0271a_create_rd_base_interest_rate_effective" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_rd_base_interest_rate_effective"/></not>
+        </preConditions>
+        <createTable tableName="m_rd_base_interest_rate_effective">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="version_label" type="VARCHAR(100)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="effective_from_date" type="DATE">
+                <constraints nullable="false"/>
+            </column>
+            <column name="effective_to_date" type="DATE"/>
+            <column name="is_active" type="BOOLEAN" defaultValueBoolean="true">
+                <constraints nullable="false"/>
+            </column>
+            <column name="remarks" type="VARCHAR(500)"/>
+            <column name="created_by_id" type="BIGINT"/>
+            <column name="created_date" type="DATE"/>
+        </createTable>
+    </changeSet>
+
+    <changeSet id="0271b_create_rd_base_interest_rate_slab_history" author="fineract">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="MARK_RAN">
+            <not><tableExists tableName="m_rd_base_interest_rate_slab_history"/></not>
+        </preConditions>
+        <createTable tableName="m_rd_base_interest_rate_slab_history">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="effective_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="sr_no" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="description" type="VARCHAR(200)"/>
+            <column name="period_type_enum" type="INT" defaultValueNumeric="1">
+                <constraints nullable="false"/>
+            </column>
+            <column name="from_period" type="INT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="to_period" type="INT"/>
+            <column name="annual_interest_rate" type="DECIMAL(19,6)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="created_date" type="DATE"/>
+        </createTable>
+        <addForeignKeyConstraint
+            baseTableName="m_rd_base_interest_rate_slab_history"
+            baseColumnNames="effective_id"
+            referencedTableName="m_rd_base_interest_rate_effective"
+            referencedColumnNames="id"
+            constraintName="fk_rd_base_rate_slab_effective"/>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0272_seed_rd_base_interest_rate_data.xml

@@ -0,0 +1,78 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<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-4.1.xsd">
+
+    <changeSet id="0272_insert_rd_base_rate_version" author="fineract">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_rd_base_interest_rate_effective</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_rd_base_interest_rate_effective
+                (version_label, effective_from_date, effective_to_date, is_active, remarks, created_by_id, created_date)
+            VALUES
+                ('CBS Base Rate Version', '2025-01-01', NULL, TRUE, 'Central RD base chart', 1, CURRENT_DATE);
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 1,  '15 Days to 29 Days',       1,   15,   29, 3.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 2,  '30 Days to 45 Days',       1,   30,   45, 3.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 3,  '46 Days to 90 Days',       1,   46,   90, 3.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 4,  '91 Days to 180 Days',      1,   91,  180, 4.500000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 5,  '181 Days to below 1 Year', 1,  181,  364, 5.500000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 6,  '1 Year to Below 2 Year',   1,  365,  729, 7.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 7,  '444 Days',                 1,  444,  444, 7.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 8,  '400 Days',                 1,  400,  400, 7.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 9,  '500 Days',                 1,  500,  500, 7.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 10, '2 Year to Below 3 Year',   1,  730, 1094, 7.000000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 11, '3 Year to Below 5 Year',   1, 1095, 1824, 7.250000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+
+            INSERT INTO m_rd_base_interest_rate_slab_history
+                (effective_id, sr_no, description, period_type_enum, from_period, to_period, annual_interest_rate, created_date)
+            SELECT id, 12, '5 Year &amp; Above',       1, 1825, NULL, 6.500000, CURRENT_DATE
+            FROM m_rd_base_interest_rate_effective WHERE version_label = 'CBS Base Rate Version';
+        </sql>
+    </changeSet>
+</databaseChangeLog>

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/data/RdInterestRateEffectiveData.java

@@ -0,0 +1,31 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.data;
+
+import java.time.LocalDate;
+import java.util.List;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class RdInterestRateEffectiveData {
+
+    private final Long id;
+    private final Long productId;
+    private final String versionLabel;
+    private final LocalDate effectiveFromDate;
+    private final LocalDate effectiveToDate;
+    private final Boolean isActive;
+    private final String remarks;
+    private final List<RdInterestRateSlabData> slabs;
+}

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/data/RdInterestRateSlabData.java

@@ -0,0 +1,30 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.data;
+
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class RdInterestRateSlabData {
+
+    private final Long id;
+    private final Integer srNo;
+    private final String description;
+    private final Integer periodTypeEnum;
+    private final String periodTypeLabel;
+    private final Integer fromPeriod;
+    private final Integer toPeriod;
+    private final BigDecimal annualInterestRate;
+}

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/data/RecurringDepositProductData.java

@@ -65,10 +65,36 @@ public final class RecurringDepositProductData extends DepositProductData {
     private String accountType;
     private String customerSegment;
     private String productCode;
+    private java.time.LocalDate effectiveDate;
+    private java.time.LocalDate effectiveTo;
+    private java.time.LocalDate endDate;
+    private Boolean introducerRequired;
+    private Boolean shareLinkingEnabled;
+    private Boolean nominationFacility;
+    private Boolean dormancyAlert;
     private Integer interestCalculateSelector;
     private String averagePeriod;
     private Boolean autoPost;
     private Integer frequencyFixDay;
+    private java.time.LocalDate lastInterestDate;
+    private Boolean enableLockinPeriod;
+    private String balanceFrequency;
+    private Boolean accountClosedZeroBalanceInDayClosing;
+    private Boolean balanceSwapOption;
+    private Boolean msme;
+    private Boolean autoDebitFacility;
+    private Boolean loanFacility;
+    private Boolean prematureWithdrawalOption;
+    private Boolean tenureFlexibility;
+    private Boolean lienMarked;
+    private Boolean maturityInstructions;
+    private Boolean creditMaturityProceeds;
+    private Boolean penaltyGracePeriodMissedInstallments;
+    private Boolean panelRequestApplicable;
+    private Boolean noPenaltyNomineeHeirClosure;
+    private Boolean deceasedSettlement;
+    private Boolean allowDebitTxnAfterDueDate;
+    private Boolean withdrawalFeeForTransfers;
 
     public void setInterestCalculationTypeOption(Collection<EnumOptionData> v) { this.interestCalculationTypeOption = v; }
     public void setPeriodFrequencyOptions(Collection<EnumOptionData> v) { this.periodFrequencyOptions = v; }
@@ -78,10 +104,84 @@ public final class RecurringDepositProductData extends DepositProductData {
     public void setAccountType(String v) { this.accountType = v; }
     public void setCustomerSegment(String v) { this.customerSegment = v; }
     public void setProductCode(String v) { this.productCode = v; }
+    public void setEffectiveDate(java.time.LocalDate v) { this.effectiveDate = v; }
+    public void setEffectiveTo(java.time.LocalDate v) { this.effectiveTo = v; }
+    public void setEndDate(java.time.LocalDate v) { this.endDate = v; }
+    public void setIntroducerRequired(Boolean v) { this.introducerRequired = v; }
+    public void setShareLinkingEnabled(Boolean v) { this.shareLinkingEnabled = v; }
+    public void setNominationFacility(Boolean v) { this.nominationFacility = v; }
+    public void setDormancyAlert(Boolean v) { this.dormancyAlert = v; }
     public void setInterestCalculateSelector(Integer v) { this.interestCalculateSelector = v; }
     public void setAveragePeriod(String v) { this.averagePeriod = v; }
     public void setAutoPost(Boolean v) { this.autoPost = v; }
     public void setFrequencyFixDay(Integer v) { this.frequencyFixDay = v; }
+    public void setLastInterestDate(java.time.LocalDate v) { this.lastInterestDate = v; }
+    public void setEnableLockinPeriod(Boolean v) { this.enableLockinPeriod = v; }
+    public void setBalanceFrequency(String v) { this.balanceFrequency = v; }
+    public void setAccountClosedZeroBalanceInDayClosing(Boolean v) { this.accountClosedZeroBalanceInDayClosing = v; }
+    public void setBalanceSwapOption(Boolean v) { this.balanceSwapOption = v; }
+    public void setMsme(Boolean v) { this.msme = v; }
+    public void setAutoDebitFacility(Boolean v) { this.autoDebitFacility = v; }
+    public void setLoanFacility(Boolean v) { this.loanFacility = v; }
+    public void setPrematureWithdrawalOption(Boolean v) { this.prematureWithdrawalOption = v; }
+    public void setTenureFlexibility(Boolean v) { this.tenureFlexibility = v; }
+    public void setLienMarked(Boolean v) { this.lienMarked = v; }
+    public void setMaturityInstructions(Boolean v) { this.maturityInstructions = v; }
+    public void setCreditMaturityProceeds(Boolean v) { this.creditMaturityProceeds = v; }
+    public void setPenaltyGracePeriodMissedInstallments(Boolean v) { this.penaltyGracePeriodMissedInstallments = v; }
+    public void setPanelRequestApplicable(Boolean v) { this.panelRequestApplicable = v; }
+    public void setNoPenaltyNomineeHeirClosure(Boolean v) { this.noPenaltyNomineeHeirClosure = v; }
+    public void setDeceasedSettlement(Boolean v) { this.deceasedSettlement = v; }
+    public void setAllowDebitTxnAfterDueDate(Boolean v) { this.allowDebitTxnAfterDueDate = v; }
+    public void setWithdrawalFeeForTransfers(Boolean v) { this.withdrawalFeeForTransfers = v; }
+
+    /** Copy all CBS custom fields from source into this instance. */
+    public void copyCbsFieldsFrom(final RecurringDepositProductData src) {
+        if (src == null) return;
+        this.accountType = src.accountType;
+        this.customerSegment = src.customerSegment;
+        this.productCode = src.productCode;
+        this.effectiveDate = src.effectiveDate;
+        this.effectiveTo = src.effectiveTo;
+        this.endDate = src.endDate;
+        this.introducerRequired = src.introducerRequired;
+        this.shareLinkingEnabled = src.shareLinkingEnabled;
+        this.nominationFacility = src.nominationFacility;
+        this.dormancyAlert = src.dormancyAlert;
+        this.interestCalculateSelector = src.interestCalculateSelector;
+        this.averagePeriod = src.averagePeriod;
+        this.autoPost = src.autoPost;
+        this.frequencyFixDay = src.frequencyFixDay;
+        this.lastInterestDate = src.lastInterestDate;
+        this.enableLockinPeriod = src.enableLockinPeriod;
+        this.balanceFrequency = src.balanceFrequency;
+        this.accountClosedZeroBalanceInDayClosing = src.accountClosedZeroBalanceInDayClosing;
+        this.balanceSwapOption = src.balanceSwapOption;
+        this.msme = src.msme;
+        this.autoDebitFacility = src.autoDebitFacility;
+        this.loanFacility = src.loanFacility;
+        this.prematureWithdrawalOption = src.prematureWithdrawalOption;
+        this.tenureFlexibility = src.tenureFlexibility;
+        this.lienMarked = src.lienMarked;
+        this.maturityInstructions = src.maturityInstructions;
+        this.creditMaturityProceeds = src.creditMaturityProceeds;
+        this.penaltyGracePeriodMissedInstallments = src.penaltyGracePeriodMissedInstallments;
+        this.panelRequestApplicable = src.panelRequestApplicable;
+        this.noPenaltyNomineeHeirClosure = src.noPenaltyNomineeHeirClosure;
+        this.deceasedSettlement = src.deceasedSettlement;
+        this.allowDebitTxnAfterDueDate = src.allowDebitTxnAfterDueDate;
+        this.withdrawalFeeForTransfers = src.withdrawalFeeForTransfers;
+        // options
+        this.interestCalculationTypeOption = src.interestCalculationTypeOption;
+        this.periodFrequencyOptions = src.periodFrequencyOptions;
+        this.yesNoOptions = src.yesNoOptions;
+        this.accountTypeOptions = src.accountTypeOptions;
+        this.customerSegmentOptions = src.customerSegmentOptions;
+    }
+
+    public String getProductCode() {
+        return productCode;
+    }
 
     public static RecurringDepositProductData template(final CurrencyData currency, final EnumOptionData interestCompoundingPeriodType,
             final EnumOptionData interestPostingPeriodType, final EnumOptionData interestCalculationType,
@@ -146,7 +246,8 @@ public final class RecurringDepositProductData extends DepositProductData {
 
     public static RecurringDepositProductData withCharges(final RecurringDepositProductData existingProduct,
             final Collection<ChargeData> charges) {
-        return new RecurringDepositProductData(existingProduct.id, existingProduct.name, existingProduct.shortName,
+        final RecurringDepositProductData result = new RecurringDepositProductData(existingProduct.id, existingProduct.name,
+                existingProduct.shortName,
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
@@ -166,6 +267,8 @@ public final class RecurringDepositProductData extends DepositProductData {
                 existingProduct.isMandatoryDeposit, existingProduct.allowWithdrawal, existingProduct.adjustAdvanceTowardsFuturePayments,
                 existingProduct.periodFrequencyTypeOptions, existingProduct.minDepositAmount, existingProduct.depositAmount,
                 existingProduct.maxDepositAmount, existingProduct.withHoldTax, existingProduct.taxGroup, existingProduct.taxGroupOptions);
+        result.copyCbsFieldsFrom(existingProduct);
+        return result;
     }
 
     /**
@@ -187,7 +290,8 @@ public final class RecurringDepositProductData extends DepositProductData {
             final Collection<EnumOptionData> preClosurePenalInterestOnTypeOptions,
             final Collection<EnumOptionData> periodFrequencyTypeOptions, final Collection<TaxGroupData> taxGroupOptions) {
 
-        return new RecurringDepositProductData(existingProduct.id, existingProduct.name, existingProduct.shortName,
+        final RecurringDepositProductData result = new RecurringDepositProductData(existingProduct.id, existingProduct.name,
+                existingProduct.shortName,
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
@@ -206,7 +310,8 @@ public final class RecurringDepositProductData extends DepositProductData {
                 existingProduct.adjustAdvanceTowardsFuturePayments, periodFrequencyTypeOptions, existingProduct.minDepositAmount,
                 existingProduct.depositAmount, existingProduct.maxDepositAmount, existingProduct.withHoldTax, existingProduct.taxGroup,
                 taxGroupOptions);
-
+        result.copyCbsFieldsFrom(existingProduct);
+        return result;
     }
 
     public static RecurringDepositProductData withAccountingDetails(final RecurringDepositProductData existingProduct,
@@ -227,7 +332,8 @@ public final class RecurringDepositProductData extends DepositProductData {
         final Collection<ChargeData> chargeOptions = null;
         final Collection<ChargeData> penaltyOptions = null;
 
-        return new RecurringDepositProductData(existingProduct.id, existingProduct.name, existingProduct.shortName,
+        final RecurringDepositProductData result = new RecurringDepositProductData(existingProduct.id, existingProduct.name,
+                existingProduct.shortName,
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
@@ -245,6 +351,8 @@ public final class RecurringDepositProductData extends DepositProductData {
                 existingProduct.adjustAdvanceTowardsFuturePayments, existingProduct.periodFrequencyTypeOptions,
                 existingProduct.minDepositAmount, existingProduct.depositAmount, existingProduct.maxDepositAmount,
                 existingProduct.withHoldTax, existingProduct.taxGroup, existingProduct.taxGroupOptions);
+        result.copyCbsFieldsFrom(existingProduct);
+        return result;
     }
 
     public static RecurringDepositProductData instance(final DepositProductData depositProductData, final boolean preClosurePenalApplicable,
@@ -367,7 +475,8 @@ public final class RecurringDepositProductData extends DepositProductData {
 
     public static RecurringDepositProductData withInterestChart(final RecurringDepositProductData product,
             final Collection<InterestRateChartData> interestRateCharts) {
-        return new RecurringDepositProductData(product.id, product.name, product.shortName, product.description, product.currency,
+        final RecurringDepositProductData result = new RecurringDepositProductData(product.id, product.name, product.shortName,
+                product.description, product.currency,
                 product.nominalAnnualInterestRate, product.interestCompoundingPeriodType, product.interestPostingPeriodType,
                 product.interestCalculationType, product.interestCalculationDaysInYearType, product.lockinPeriodFrequency,
                 product.lockinPeriodFrequencyType, product.minBalanceForInterestCalculation, product.accountingRule,
@@ -383,7 +492,8 @@ public final class RecurringDepositProductData extends DepositProductData {
                 product.inMultiplesOfDepositTermType, product.isMandatoryDeposit, product.allowWithdrawal,
                 product.adjustAdvanceTowardsFuturePayments, product.periodFrequencyTypeOptions, product.minDepositAmount,
                 product.depositAmount, product.maxDepositAmount, product.withHoldTax, product.taxGroup, product.taxGroupOptions);
-
+        result.copyCbsFieldsFrom(product);
+        return result;
     }
 
     private RecurringDepositProductData(final Long id, final String name, final String shortName, final String description,

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/DepositProductAssembler.java

@@ -58,9 +58,13 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.withHold
 import com.google.gson.JsonArray;
 import com.google.gson.JsonObject;
 import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
 import java.util.ArrayList;
 import java.util.HashSet;
 import java.util.List;
+import java.util.Locale;
 import java.util.Set;
 import org.apache.fineract.accounting.common.AccountingRuleType;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
@@ -277,6 +281,47 @@ public class DepositProductAssembler {
         productTermAndPreClosure.updateProductReference(recurringDepositProduct);
         productRecurringDetail.updateProductReference(recurringDepositProduct);
 
+        // ── CBS Custom Fields (from 0251 migration) ─────────────────────────
+        recurringDepositProduct.setAccountType(command.stringValueOfParameterNamed("accountType"));
+        recurringDepositProduct.setCustomerSegment(command.stringValueOfParameterNamed("customerSegment"));
+        recurringDepositProduct.setProductCode(command.stringValueOfParameterNamed("productCode"));
+        recurringDepositProduct.setEffectiveDate(parseCbsDate(command.stringValueOfParameterNamed("effectiveDate")));
+        recurringDepositProduct.setEffectiveTo(parseCbsDate(command.stringValueOfParameterNamed("effectiveTo")));
+        recurringDepositProduct.setEndDate(parseCbsDate(command.stringValueOfParameterNamed("endDate")));
+        recurringDepositProduct.setIntroducerRequired(command.booleanPrimitiveValueOfParameterNamed("introducerRequired"));
+        recurringDepositProduct.setShareLinkingEnabled(command.booleanPrimitiveValueOfParameterNamed("shareLinkingEnabled"));
+        recurringDepositProduct.setNominationFacility(command.booleanPrimitiveValueOfParameterNamed("nominationFacility"));
+        recurringDepositProduct.setDormancyAlert(command.booleanPrimitiveValueOfParameterNamed("dormancyAlert"));
+        recurringDepositProduct.setInterestCalculateSelector(command.integerValueOfParameterNamed("interestCalculateSelector"));
+        recurringDepositProduct.setAveragePeriod(command.stringValueOfParameterNamed("averagePeriod"));
+        recurringDepositProduct.setAutoPost(command.booleanPrimitiveValueOfParameterNamed("autoPost"));
+        recurringDepositProduct.setFrequencyFixDay(command.integerValueOfParameterNamed("frequencyFixDay"));
+        recurringDepositProduct.setLastInterestDate(parseCbsDate(command.stringValueOfParameterNamed("lastInterestDate")));
+        recurringDepositProduct.setEnableLockinPeriod(command.booleanPrimitiveValueOfParameterNamed("enableLockinPeriod"));
+        recurringDepositProduct.setBalanceFrequency(command.stringValueOfParameterNamed("balanceFrequency"));
+        if (command.parameterExists("accountClosedZeroBalanceInDayClosing")) {
+            recurringDepositProduct.setAccountClosedZeroBalanceInDayClosing(
+                    command.booleanPrimitiveValueOfParameterNamed("accountClosedZeroBalanceInDayClosing"));
+        }
+
+        // ── RD-specific flags (from 0270 migration) ──────────────────────────
+        recurringDepositProduct.setBalanceSwapOption(command.booleanPrimitiveValueOfParameterNamed("balanceSwapOption"));
+        recurringDepositProduct.setMsme(command.booleanPrimitiveValueOfParameterNamed("msme"));
+        recurringDepositProduct.setAutoDebitFacility(command.booleanPrimitiveValueOfParameterNamed("autoDebitFacility"));
+        recurringDepositProduct.setLoanFacility(command.booleanPrimitiveValueOfParameterNamed("loanFacility"));
+        recurringDepositProduct.setPrematureWithdrawalOption(command.booleanPrimitiveValueOfParameterNamed("prematureWithdrawalOption"));
+        recurringDepositProduct.setTenureFlexibility(command.booleanPrimitiveValueOfParameterNamed("tenureFlexibility"));
+        recurringDepositProduct.setLienMarked(command.booleanPrimitiveValueOfParameterNamed("lienMarked"));
+        recurringDepositProduct.setMaturityInstructions(command.booleanPrimitiveValueOfParameterNamed("maturityInstructions"));
+        recurringDepositProduct.setCreditMaturityProceeds(command.booleanPrimitiveValueOfParameterNamed("creditMaturityProceeds"));
+        recurringDepositProduct.setPenaltyGracePeriodMissedInstallments(
+                command.booleanPrimitiveValueOfParameterNamed("penaltyGracePeriodMissedInstallments"));
+        recurringDepositProduct.setPanelRequestApplicable(command.booleanPrimitiveValueOfParameterNamed("panelRequestApplicable"));
+        recurringDepositProduct.setNoPenaltyNomineeHeirClosure(
+                command.booleanPrimitiveValueOfParameterNamed("noPenaltyNomineeHeirClosure"));
+        recurringDepositProduct.setDeceasedSettlement(command.booleanPrimitiveValueOfParameterNamed("deceasedSettlement"));
+        recurringDepositProduct.setAllowDebitTxnAfterDueDate(command.booleanPrimitiveValueOfParameterNamed("allowDebitTxnAfterDueDate"));
+
         recurringDepositProduct.validateDomainRules();
 
         return recurringDepositProduct;
@@ -500,6 +545,30 @@ public class DepositProductAssembler {
         return new DepositProductAmountDetails(minDepositAmount, depositAmount, maxDepositAmount);
     }
 
+    /**
+     * Parses a CBS date string using common formats (e.g. "17 April 2026", "2026-04-17").
+     * Returns null if the input is null or blank.
+     */
+    private LocalDate parseCbsDate(final String dateStr) {
+        if (dateStr == null || dateStr.isBlank()) {
+            return null;
+        }
+        DateTimeFormatter[] formatters = {
+            DateTimeFormatter.ofPattern("dd MMMM yyyy", Locale.ENGLISH),
+            DateTimeFormatter.ofPattern("dd MMM yyyy", Locale.ENGLISH),
+            DateTimeFormatter.ofPattern("yyyy-MM-dd", Locale.ENGLISH),
+            DateTimeFormatter.ofPattern("dd/MM/yyyy", Locale.ENGLISH)
+        };
+        for (DateTimeFormatter fmt : formatters) {
+            try {
+                return LocalDate.parse(dateStr, fmt);
+            } catch (DateTimeParseException ignored) {
+                // try next format
+            }
+        }
+        return null;
+    }
+
     public TaxGroup assembleTaxGroup(final JsonCommand command) {
         final Long taxGroupId = command.longValueOfParameterNamed(taxGroupIdParamName);
         TaxGroup taxGroup = null;

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateEffective.java

@@ -0,0 +1,72 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+@Entity
+@Table(name = "m_rd_interest_rate_effective")
+@Getter
+@Setter
+@NoArgsConstructor
+public class RdInterestRateEffective {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "product_id", nullable = false)
+    private Long productId;
+
+    @Column(name = "version_label", nullable = false, length = 100)
+    private String versionLabel;
+
+    @Column(name = "effective_from_date", nullable = false)
+    private LocalDate effectiveFromDate;
+
+    @Column(name = "effective_to_date")
+    private LocalDate effectiveToDate;
+
+    @Column(name = "is_active", nullable = false)
+    private Boolean isActive;
+
+    @Column(name = "remarks", length = 500)
+    private String remarks;
+
+    @Column(name = "created_by_id")
+    private Long createdById;
+
+    @Column(name = "created_date")
+    private LocalDate createdDate;
+
+    public static RdInterestRateEffective create(Long productId, String versionLabel,
+            LocalDate effectiveFromDate, String remarks, Long createdById) {
+        RdInterestRateEffective e = new RdInterestRateEffective();
+        e.productId = productId;
+        e.versionLabel = versionLabel;
+        e.effectiveFromDate = effectiveFromDate;
+        e.isActive = true;
+        e.remarks = remarks;
+        e.createdById = createdById;
+        e.createdDate = LocalDate.now();
+        return e;
+    }
+}

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateEffectiveRepository.java

@@ -0,0 +1,31 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Modifying;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+import org.springframework.stereotype.Repository;
+
+@Repository
+public interface RdInterestRateEffectiveRepository extends JpaRepository<RdInterestRateEffective, Long> {
+
+    List<RdInterestRateEffective> findByProductIdOrderByEffectiveFromDateDesc(Long productId);
+
+    List<RdInterestRateEffective> findByIsActiveTrueOrderByEffectiveFromDateDesc();
+
+    @Modifying
+    @Query("UPDATE RdInterestRateEffective e SET e.isActive = false WHERE e.productId = :productId AND e.isActive = true")
+    void deactivateAllForProduct(@Param("productId") Long productId);
+}

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateSlabHistory.java

@@ -0,0 +1,72 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Entity
+@Table(name = "m_rd_interest_rate_slab_history")
+@Getter
+@NoArgsConstructor
+public class RdInterestRateSlabHistory {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "effective_id", nullable = false)
+    private Long effectiveId;
+
+    @Column(name = "sr_no", nullable = false)
+    private Integer srNo;
+
+    @Column(name = "description", length = 200)
+    private String description;
+
+    @Column(name = "period_type_enum", nullable = false)
+    private Integer periodTypeEnum;
+
+    @Column(name = "from_period", nullable = false)
+    private Integer fromPeriod;
+
+    @Column(name = "to_period")
+    private Integer toPeriod;
+
+    @Column(name = "annual_interest_rate", nullable = false, precision = 19, scale = 6)
+    private BigDecimal annualInterestRate;
+
+    @Column(name = "created_date")
+    private LocalDate createdDate;
+
+    public static RdInterestRateSlabHistory create(Long effectiveId, Integer srNo, String description,
+            Integer periodTypeEnum, Integer fromPeriod, Integer toPeriod, BigDecimal annualInterestRate) {
+        RdInterestRateSlabHistory s = new RdInterestRateSlabHistory();
+        s.effectiveId = effectiveId;
+        s.srNo = srNo;
+        s.description = description;
+        s.periodTypeEnum = periodTypeEnum != null ? periodTypeEnum : 1;
+        s.fromPeriod = fromPeriod;
+        s.toPeriod = toPeriod;
+        s.annualInterestRate = annualInterestRate;
+        s.createdDate = LocalDate.now();
+        return s;
+    }
+}

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/RdInterestRateSlabHistoryRepository.java

@@ -0,0 +1,22 @@
+/**
+ * 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
+ */
+package org.apache.fineract.portfolio.savings.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+
+@Repository
+public interface RdInterestRateSlabHistoryRepository extends JpaRepository<RdInterestRateSlabHistory, Long> {
+
+    List<RdInterestRateSlabHistory> findByEffectiveIdOrderBySrNo(Long effectiveId);
+}

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/RecurringDepositProduct.java

@@ -150,12 +150,16 @@ public class RecurringDepositProduct extends FixedDepositProduct {
     }
 
     private void validateDomainRules(final DataValidatorBuilder baseDataValidator) {
-        final DepositTermDetail termDetails = this.depositProductTermAndPreClosure().depositTermDetail();
+        final DepositTermDetail termDetails = this.depositProductTermAndPreClosure() != null
-        final boolean isMinTermGreaterThanMax = termDetails.isMinDepositTermGreaterThanMaxDepositTerm();
+                ? this.depositProductTermAndPreClosure().depositTermDetail()
-        if (isMinTermGreaterThanMax) {
+                : null;
-            final Integer maxTerm = termDetails.maxDepositTerm();
+        if (termDetails != null) {
-            baseDataValidator.reset().parameter(maxDepositTermParamName).value(maxTerm)
+            final boolean isMinTermGreaterThanMax = termDetails.isMinDepositTermGreaterThanMaxDepositTerm();
-                    .failWithCodeNoParameterAddedToErrorCode("max.term.lessthan.min.term");
+            if (isMinTermGreaterThanMax) {
+                final Integer maxTerm = termDetails.maxDepositTerm();
+                baseDataValidator.reset().parameter(maxDepositTermParamName).value(maxTerm)
+                        .failWithCodeNoParameterAddedToErrorCode("max.term.lessthan.min.term");
+            }
         }
 
         if (this.charts != null) {

fineract-savings/src/main/java/org/apache/fineract/portfolio/savings/domain/SavingsProduct.java

@@ -90,6 +90,9 @@ import jakarta.persistence.Table;
 import jakarta.persistence.UniqueConstraint;
 import java.math.BigDecimal;
 import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
+import java.util.Arrays;
 import java.util.ArrayList;
 import java.util.HashSet;
 import java.util.LinkedHashMap;
@@ -290,6 +293,49 @@ public class SavingsProduct extends AbstractPersistableCustom<Long> {
     @Column(name = "account_closed_zero_balance_in_day_closing")
     private Boolean accountClosedZeroBalanceInDayClosing = false;
 
+    // RD-specific flags
+    @Column(name = "balance_swap_option")
+    private boolean balanceSwapOption = false;
+
+    @Column(name = "msme")
+    private boolean msme = false;
+
+    @Column(name = "auto_debit_facility")
+    private boolean autoDebitFacility = false;
+
+    @Column(name = "loan_facility")
+    private boolean loanFacility = false;
+
+    @Column(name = "premature_withdrawal_option")
+    private boolean prematureWithdrawalOption = false;
+
+    @Column(name = "tenure_flexibility")
+    private boolean tenureFlexibility = false;
+
+    @Column(name = "lien_marked")
+    private boolean lienMarked = false;
+
+    @Column(name = "maturity_instructions")
+    private boolean maturityInstructions = false;
+
+    @Column(name = "credit_maturity_proceeds")
+    private boolean creditMaturityProceeds = false;
+
+    @Column(name = "penalty_grace_period_missed_installments")
+    private boolean penaltyGracePeriodMissedInstallments = false;
+
+    @Column(name = "panel_request_applicable")
+    private boolean panelRequestApplicable = false;
+
+    @Column(name = "no_penalty_nominee_heir_closure")
+    private boolean noPenaltyNomineeHeirClosure = false;
+
+    @Column(name = "deceased_settlement")
+    private boolean deceasedSettlement = false;
+
+    @Column(name = "allow_debit_txn_after_due_date")
+    private boolean allowDebitTxnAfterDueDate = false;
+
     // Relationships for complex objects
     @OneToOne(cascade = CascadeType.ALL, mappedBy = "savingsProduct", orphanRemoval = true)
     private SavingsProductFacilityConfig facilityConfig;
@@ -750,20 +796,26 @@ public class SavingsProduct extends AbstractPersistableCustom<Long> {
             actualChanges.put(productCodeParamName, newValue);
             this.productCode = newValue;
         }
-        if (command.isChangeInLocalDateParameterNamed(effectiveDateParamName, this.effectiveDate)) {
+        if (command.parameterExists(effectiveDateParamName)) {
-            final LocalDate newValue = command.localDateValueOfParameterNamed(effectiveDateParamName);
+            final LocalDate newValue = parseCbsLocalDate(command.stringValueOfParameterNamed(effectiveDateParamName));
-            actualChanges.put(effectiveDateParamName, newValue);
+            if (!Objects.equals(newValue, this.effectiveDate)) {
-            this.effectiveDate = newValue;
+                actualChanges.put(effectiveDateParamName, newValue);
+                this.effectiveDate = newValue;
+            }
         }
-        if (command.isChangeInLocalDateParameterNamed(effectiveToParamName, this.effectiveTo)) {
+        if (command.parameterExists(effectiveToParamName)) {
-            final LocalDate newValue = command.localDateValueOfParameterNamed(effectiveToParamName);
+            final LocalDate newValue = parseCbsLocalDate(command.stringValueOfParameterNamed(effectiveToParamName));
-            actualChanges.put(effectiveToParamName, newValue);
+            if (!Objects.equals(newValue, this.effectiveTo)) {
-            this.effectiveTo = newValue;
+                actualChanges.put(effectiveToParamName, newValue);
+                this.effectiveTo = newValue;
+            }
         }
-        if (command.isChangeInLocalDateParameterNamed(endDateParamName, this.endDate)) {
+        if (command.parameterExists(endDateParamName)) {
-            final LocalDate newValue = command.localDateValueOfParameterNamed(endDateParamName);
+            final LocalDate newValue = parseCbsLocalDate(command.stringValueOfParameterNamed(endDateParamName));
-            actualChanges.put(endDateParamName, newValue);
+            if (!Objects.equals(newValue, this.endDate)) {
-            this.endDate = newValue;
+                actualChanges.put(endDateParamName, newValue);
+                this.endDate = newValue;
+            }
         }
         if (command.isChangeInBooleanParameterNamed(introducerRequiredParamName, this.introducerRequired)) {
             final boolean newValue = command.booleanPrimitiveValueOfParameterNamed(introducerRequiredParamName);
@@ -805,10 +857,12 @@ public class SavingsProduct extends AbstractPersistableCustom<Long> {
             actualChanges.put(frequencyFixDayParamName, newValue);
             this.frequencyFixDay = newValue;
         }
-        if (command.isChangeInLocalDateParameterNamed(lastInterestDateParamName, this.lastInterestDate)) {
+        if (command.parameterExists(lastInterestDateParamName)) {
-            final LocalDate newValue = command.localDateValueOfParameterNamed(lastInterestDateParamName);
+            final LocalDate newValue = parseCbsLocalDate(command.stringValueOfParameterNamed(lastInterestDateParamName));
-            actualChanges.put(lastInterestDateParamName, newValue);
+            if (!Objects.equals(newValue, this.lastInterestDate)) {
-            this.lastInterestDate = newValue;
+                actualChanges.put(lastInterestDateParamName, newValue);
+                this.lastInterestDate = newValue;
+            }
         }
         if (command.isChangeInBooleanParameterNamed(enableLockinPeriodParamName, this.enableLockinPeriod)) {
             final boolean newValue = command.booleanPrimitiveValueOfParameterNamed(enableLockinPeriodParamName);
@@ -830,6 +884,64 @@ public class SavingsProduct extends AbstractPersistableCustom<Long> {
             this.accountClosedZeroBalanceInDayClosing = newValue;
         }
 
+        // Update RD-specific flags (0270 migration fields)
+        if (command.isChangeInBooleanParameterNamed("balanceSwapOption", this.balanceSwapOption)) {
+            this.balanceSwapOption = command.booleanPrimitiveValueOfParameterNamed("balanceSwapOption");
+            actualChanges.put("balanceSwapOption", this.balanceSwapOption);
+        }
+        if (command.isChangeInBooleanParameterNamed("msme", this.msme)) {
+            this.msme = command.booleanPrimitiveValueOfParameterNamed("msme");
+            actualChanges.put("msme", this.msme);
+        }
+        if (command.isChangeInBooleanParameterNamed("autoDebitFacility", this.autoDebitFacility)) {
+            this.autoDebitFacility = command.booleanPrimitiveValueOfParameterNamed("autoDebitFacility");
+            actualChanges.put("autoDebitFacility", this.autoDebitFacility);
+        }
+        if (command.isChangeInBooleanParameterNamed("loanFacility", this.loanFacility)) {
+            this.loanFacility = command.booleanPrimitiveValueOfParameterNamed("loanFacility");
+            actualChanges.put("loanFacility", this.loanFacility);
+        }
+        if (command.isChangeInBooleanParameterNamed("prematureWithdrawalOption", this.prematureWithdrawalOption)) {
+            this.prematureWithdrawalOption = command.booleanPrimitiveValueOfParameterNamed("prematureWithdrawalOption");
+            actualChanges.put("prematureWithdrawalOption", this.prematureWithdrawalOption);
+        }
+        if (command.isChangeInBooleanParameterNamed("tenureFlexibility", this.tenureFlexibility)) {
+            this.tenureFlexibility = command.booleanPrimitiveValueOfParameterNamed("tenureFlexibility");
+            actualChanges.put("tenureFlexibility", this.tenureFlexibility);
+        }
+        if (command.isChangeInBooleanParameterNamed("lienMarked", this.lienMarked)) {
+            this.lienMarked = command.booleanPrimitiveValueOfParameterNamed("lienMarked");
+            actualChanges.put("lienMarked", this.lienMarked);
+        }
+        if (command.isChangeInBooleanParameterNamed("maturityInstructions", this.maturityInstructions)) {
+            this.maturityInstructions = command.booleanPrimitiveValueOfParameterNamed("maturityInstructions");
+            actualChanges.put("maturityInstructions", this.maturityInstructions);
+        }
+        if (command.isChangeInBooleanParameterNamed("creditMaturityProceeds", this.creditMaturityProceeds)) {
+            this.creditMaturityProceeds = command.booleanPrimitiveValueOfParameterNamed("creditMaturityProceeds");
+            actualChanges.put("creditMaturityProceeds", this.creditMaturityProceeds);
+        }
+        if (command.isChangeInBooleanParameterNamed("penaltyGracePeriodMissedInstallments", this.penaltyGracePeriodMissedInstallments)) {
+            this.penaltyGracePeriodMissedInstallments = command.booleanPrimitiveValueOfParameterNamed("penaltyGracePeriodMissedInstallments");
+            actualChanges.put("penaltyGracePeriodMissedInstallments", this.penaltyGracePeriodMissedInstallments);
+        }
+        if (command.isChangeInBooleanParameterNamed("panelRequestApplicable", this.panelRequestApplicable)) {
+            this.panelRequestApplicable = command.booleanPrimitiveValueOfParameterNamed("panelRequestApplicable");
+            actualChanges.put("panelRequestApplicable", this.panelRequestApplicable);
+        }
+        if (command.isChangeInBooleanParameterNamed("noPenaltyNomineeHeirClosure", this.noPenaltyNomineeHeirClosure)) {
+            this.noPenaltyNomineeHeirClosure = command.booleanPrimitiveValueOfParameterNamed("noPenaltyNomineeHeirClosure");
+            actualChanges.put("noPenaltyNomineeHeirClosure", this.noPenaltyNomineeHeirClosure);
+        }
+        if (command.isChangeInBooleanParameterNamed("deceasedSettlement", this.deceasedSettlement)) {
+            this.deceasedSettlement = command.booleanPrimitiveValueOfParameterNamed("deceasedSettlement");
+            actualChanges.put("deceasedSettlement", this.deceasedSettlement);
+        }
+        if (command.isChangeInBooleanParameterNamed("allowDebitTxnAfterDueDate", this.allowDebitTxnAfterDueDate)) {
+            this.allowDebitTxnAfterDueDate = command.booleanPrimitiveValueOfParameterNamed("allowDebitTxnAfterDueDate");
+            actualChanges.put("allowDebitTxnAfterDueDate", this.allowDebitTxnAfterDueDate);
+        }
+
         validateLockinDetails();
         esnureOverdraftLimitsSetForOverdraftAccounts();
 
@@ -1142,6 +1254,48 @@ public class SavingsProduct extends AbstractPersistableCustom<Long> {
         this.accountClosedZeroBalanceInDayClosing = accountClosedZeroBalanceInDayClosing;
     }
 
+    public boolean isBalanceSwapOption() { return balanceSwapOption; }
+    public void setBalanceSwapOption(boolean v) { this.balanceSwapOption = v; }
+
+    public boolean isMsme() { return msme; }
+    public void setMsme(boolean v) { this.msme = v; }
+
+    public boolean isAutoDebitFacility() { return autoDebitFacility; }
+    public void setAutoDebitFacility(boolean v) { this.autoDebitFacility = v; }
+
+    public boolean isLoanFacility() { return loanFacility; }
+    public void setLoanFacility(boolean v) { this.loanFacility = v; }
+
+    public boolean isPrematureWithdrawalOption() { return prematureWithdrawalOption; }
+    public void setPrematureWithdrawalOption(boolean v) { this.prematureWithdrawalOption = v; }
+
+    public boolean isTenureFlexibility() { return tenureFlexibility; }
+    public void setTenureFlexibility(boolean v) { this.tenureFlexibility = v; }
+
+    public boolean isLienMarked() { return lienMarked; }
+    public void setLienMarked(boolean v) { this.lienMarked = v; }
+
+    public boolean isMaturityInstructions() { return maturityInstructions; }
+    public void setMaturityInstructions(boolean v) { this.maturityInstructions = v; }
+
+    public boolean isCreditMaturityProceeds() { return creditMaturityProceeds; }
+    public void setCreditMaturityProceeds(boolean v) { this.creditMaturityProceeds = v; }
+
+    public boolean isPenaltyGracePeriodMissedInstallments() { return penaltyGracePeriodMissedInstallments; }
+    public void setPenaltyGracePeriodMissedInstallments(boolean v) { this.penaltyGracePeriodMissedInstallments = v; }
+
+    public boolean isPanelRequestApplicable() { return panelRequestApplicable; }
+    public void setPanelRequestApplicable(boolean v) { this.panelRequestApplicable = v; }
+
+    public boolean isNoPenaltyNomineeHeirClosure() { return noPenaltyNomineeHeirClosure; }
+    public void setNoPenaltyNomineeHeirClosure(boolean v) { this.noPenaltyNomineeHeirClosure = v; }
+
+    public boolean isDeceasedSettlement() { return deceasedSettlement; }
+    public void setDeceasedSettlement(boolean v) { this.deceasedSettlement = v; }
+
+    public boolean isAllowDebitTxnAfterDueDate() { return allowDebitTxnAfterDueDate; }
+    public void setAllowDebitTxnAfterDueDate(boolean v) { this.allowDebitTxnAfterDueDate = v; }
+
     public SavingsProductFacilityConfig getFacilityConfig() {
         return facilityConfig;
     }
@@ -1174,4 +1328,25 @@ public class SavingsProduct extends AbstractPersistableCustom<Long> {
         }
     }
 
+    /**
+     * Parses CBS date strings (e.g. "17 April 2026") without requiring a dateFormat parameter.
+     */
+    public static LocalDate parseCbsLocalDate(final String dateStr) {
+        if (dateStr == null || dateStr.isBlank()) {
+            return null;
+        }
+        for (DateTimeFormatter fmt : Arrays.asList(
+                DateTimeFormatter.ofPattern("dd MMMM yyyy", java.util.Locale.ENGLISH),
+                DateTimeFormatter.ofPattern("dd MMM yyyy", java.util.Locale.ENGLISH),
+                DateTimeFormatter.ofPattern("yyyy-MM-dd", java.util.Locale.ENGLISH),
+                DateTimeFormatter.ofPattern("dd/MM/yyyy", java.util.Locale.ENGLISH))) {
+            try {
+                return LocalDate.parse(dateStr, fmt);
+            } catch (DateTimeParseException ignored) {
+                // try next
+            }
+        }
+        return null;
+    }
+
 }