Merge pull request #983 from pramodn02/develop

MIFOSX-1392 : changes for minBalanceForInterestCalculation

api-docs/apiLive.htm

@@ -15060,6 +15060,9 @@ Content-Type: application/json
 				<tr class=alt><td>overdraftLimit</td></tr>
 	            <tr><td class=fielddesc><b>Optional</b>: If provided, sets the maximum allowed overdraft amount for a  savings account e.g. <b>5,000</b> else set the limit as zero</td></tr>
 
+				<tr class=alt><td>minBalanceForInterestCalculation</td></tr>
+	            <tr><td class=fielddesc><b>Optional</b>: If provided, balance must be greater than provided value for calculation of interest  e.g. <b>5,000</b> </td></tr>
+
 	        </table>
 	    </div>
 	</div>
@@ -15631,7 +15634,7 @@ Content-Type: application/json
             <br/>
             <table class=matrixHeading>
                 <tr class="matrixHeadingBG"><td><div class="mifosXHeading2">Optional Fields</div></td></tr>
-                <tr class=alt><td>minRequiredOpeningBalance, lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, paymentChannelToFundSourceMappings, feeToIncomeAccountMappings, penaltyToIncomeAccountMappings, charges, allowOverdraft, overdraftLimit</tr>
+                <tr class=alt><td>minRequiredOpeningBalance, lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, paymentChannelToFundSourceMappings, feeToIncomeAccountMappings, penaltyToIncomeAccountMappings, charges, allowOverdraft, overdraftLimit, minBalanceForInterestCalculation</tr>
             </table>
         </div>
         <div class="method-example">
@@ -15680,6 +15683,7 @@ Request Body:
   "minRequiredOpeningBalance": "50",
   "allowOverdraft":true,
   "overdraftLimit":5000,
+  "minBalanceForInterestCalculation":5000,
   "lockinPeriodFrequency": "4",
   "lockinPeriodFrequencyType": "1",
   "withdrawalFeeForTransfers":false,

mifosng-db/migrations/core_db/V183__added_min_balance_for_interest_calculation.sql

@@ -0,0 +1,6 @@
+ALTER TABLE `m_savings_product`
+	ADD COLUMN `min_balance_for_interest_calculation` DECIMAL(19,6) NULL DEFAULT NULL AFTER `allow_overdraft_min_balance`;
+	
+ALTER TABLE `m_savings_account`
+	ADD COLUMN `min_balance_for_interest_calculation` DECIMAL(19,6) NULL DEFAULT NULL AFTER `allow_overdraft_min_balance`;
+	

mifosng-provider/src/integrationTest/java/org/mifosplatform/integrationtests/ClientSavingsIntegrationTest.java

@@ -57,8 +57,9 @@ public class ClientSavingsIntegrationTest {
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
-
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE);
+        final String minBalanceForInterestCalculation = null;
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE,
+                minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -91,14 +92,56 @@ public class ClientSavingsIntegrationTest {
 
     }
 
+    @Test
+    public void testSavingsAccountWithMinBalanceForInterestCalculation() {
+        this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
+
+        final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
+        Assert.assertNotNull(clientID);
+        final String minBalanceForInterestCalculation = "5000";
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE,
+                minBalanceForInterestCalculation);
+        Assert.assertNotNull(savingsProductID);
+
+        final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
+        Assert.assertNotNull(savingsProductID);
+
+        HashMap modifications = this.savingsAccountHelper.updateSavingsAccount(clientID, savingsProductID, savingsId,
+                ACCOUNT_TYPE_INDIVIDUAL);
+        Assert.assertTrue(modifications.containsKey("submittedOnDate"));
+
+        HashMap savingsStatusHashMap = SavingsStatusChecker.getStatusOfSavings(this.requestSpec, this.responseSpec, savingsId);
+        SavingsStatusChecker.verifySavingsIsPending(savingsStatusHashMap);
+
+        savingsStatusHashMap = this.savingsAccountHelper.approveSavings(savingsId);
+        SavingsStatusChecker.verifySavingsIsApproved(savingsStatusHashMap);
+
+        savingsStatusHashMap = this.savingsAccountHelper.activateSavings(savingsId);
+        SavingsStatusChecker.verifySavingsIsActive(savingsStatusHashMap);
+
+        final HashMap summaryBefore = this.savingsAccountHelper.getSavingsSummary(savingsId);
+        this.savingsAccountHelper.calculateInterestForSavings(savingsId);
+        HashMap summary = this.savingsAccountHelper.getSavingsSummary(savingsId);
+        assertEquals(summaryBefore, summary);
+
+        this.savingsAccountHelper.postInterestForSavings(savingsId);
+        summary = this.savingsAccountHelper.getSavingsSummary(savingsId);
+        assertEquals(summaryBefore, summary);
+
+        final Object savingsInterest = this.savingsAccountHelper.getSavingsInterest(savingsId);
+        Assert.assertNull(savingsInterest);
+
+    }
+
     @Test
     public void testSavingsAccount_CLOSE_APPLICATION() {
         this.savingsAccountHelper = new SavingsAccountHelper(this.requestSpec, this.responseSpec);
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
+        final String minBalanceForInterestCalculation = null;
 
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, null);
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, null, minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -127,8 +170,8 @@ public class ClientSavingsIntegrationTest {
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
-
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, null);
+        final String minBalanceForInterestCalculation = null;
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, null, minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -166,8 +209,9 @@ public class ClientSavingsIntegrationTest {
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
-
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE);
+        final String minBalanceForInterestCalculation = null;
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE,
+                minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -207,8 +251,9 @@ public class ClientSavingsIntegrationTest {
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
-
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE);
+        final String minBalanceForInterestCalculation = null;
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE,
+                minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -231,8 +276,9 @@ public class ClientSavingsIntegrationTest {
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
-
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE);
+        final String minBalanceForInterestCalculation = null;
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE,
+                minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -325,8 +371,9 @@ public class ClientSavingsIntegrationTest {
 
         final Integer clientID = ClientHelper.createClient(this.requestSpec, this.responseSpec);
         Assert.assertNotNull(clientID);
-
-        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE);
+        final String minBalanceForInterestCalculation = null;
+        final Integer savingsProductID = createSavingsProduct(this.requestSpec, this.responseSpec, MINIMUM_OPENING_BALANCE,
+                minBalanceForInterestCalculation);
         Assert.assertNotNull(savingsProductID);
 
         final Integer savingsId = this.savingsAccountHelper.applyForSavingsApplication(clientID, savingsProductID, ACCOUNT_TYPE_INDIVIDUAL);
@@ -400,10 +447,11 @@ public class ClientSavingsIntegrationTest {
         BigDecimal totalWaiveAmount = BigDecimal.valueOf(Double.valueOf((Float) savingsChargeForWaive.get("amount")));
         totalWaiveAmount = totalWaiveAmount.add(totalWaiveAmount);
         assertEquals(totalWaiveAmount.floatValue(), waiveCharge.get("amountWaived"));
-        
-        final Integer weeklyFeeId = ChargesHelper.createCharges(this.requestSpec, this.responseSpec, ChargesHelper.getSavingsWeeklyFeeJSON());
+
+        final Integer weeklyFeeId = ChargesHelper.createCharges(this.requestSpec, this.responseSpec,
+                ChargesHelper.getSavingsWeeklyFeeJSON());
         Assert.assertNotNull(weeklyFeeId);
-        
+
         this.savingsAccountHelper.addChargesForSavings(savingsId, weeklyFeeId);
         charges = this.savingsAccountHelper.getSavingsCharges(savingsId);
         Assert.assertEquals(3, charges.size());
@@ -432,13 +480,14 @@ public class ClientSavingsIntegrationTest {
     }
 
     private Integer createSavingsProduct(final RequestSpecification requestSpec, final ResponseSpecification responseSpec,
-            final String minOpenningBalance) {
+            final String minOpenningBalance, String minBalanceForInterestCalculation) {
         System.out.println("------------------------------CREATING NEW SAVINGS PRODUCT ---------------------------------------");
         SavingsProductHelper savingsProductHelper = new SavingsProductHelper();
         final String savingsProductJSON = savingsProductHelper //
                 .withInterestCompoundingPeriodTypeAsDaily() //
                 .withInterestPostingPeriodTypeAsMonthly() //
                 .withInterestCalculationPeriodTypeAsDailyBalance() //
+                .withMinBalanceForInterestCalculation(minBalanceForInterestCalculation)//
                 .withMinimumOpenningBalance(minOpenningBalance).build();
         return SavingsProductHelper.createSavingsProduct(savingsProductJSON, requestSpec, responseSpec);
     }

mifosng-provider/src/integrationTest/java/org/mifosplatform/integrationtests/common/savings/SavingsProductHelper.java

@@ -63,6 +63,7 @@ public class SavingsProductHelper {
     private final String currencyCode = USD;
     private final String interestCalculationDaysInYearType = DAYS_365;
     private Account[] accountList = null;
+    private String minBalanceForInterestCalculation = null;
 
     public String build() {
         final HashMap<String, String> map = new HashMap<>();
@@ -93,6 +94,7 @@ public class SavingsProductHelper {
         map.put("lockinPeriodFrequency", this.lockinPeriodFrequency);
         map.put("lockinPeriodFrequencyType", this.lockingPeriodFrequencyType);
         map.put("withdrawalFeeForTransfers", this.withdrawalFeeForTransfers);
+        map.put("minBalanceForInterestCalculation", minBalanceForInterestCalculation);
 
         if (this.accountingRule.equals(CASH_BASED)) {
             map.putAll(getAccountMappingForCashBased());
@@ -126,6 +128,11 @@ public class SavingsProductHelper {
         this.interestPostingPeriodType = MONTHLY;
         return this;
     }
+    
+    public SavingsProductHelper withMinBalanceForInterestCalculation(final String amount) {
+        this.minBalanceForInterestCalculation = amount;
+        return this;
+    }
 
     public SavingsProductHelper withInterestPostingPeriodTypeAsQuarterly() {
         this.interestPostingPeriodType = QUARTERLY;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/DepositsApiConstants.java

@@ -183,8 +183,7 @@ public class DepositsApiConstants {
     public static final String chartTemplate = "chartTemplate";
 
     // allowed column names for sorting the query result
-    public final static Set<String> supportedOrderByValues = new HashSet<>(Arrays.asList("id", "accountNumbr", "officeId",
-            "officeName"));
+    public final static Set<String> supportedOrderByValues = new HashSet<>(Arrays.asList("id", "accountNumbr", "officeId", "officeName"));
 
     /**
      * Deposit Product Parameters
@@ -203,11 +202,11 @@ public class DepositsApiConstants {
             SAVINGS_PRODUCT_ACCOUNTING_PARAMS.FEE_INCOME_ACCOUNT_MAPPING.getValue(),
             SAVINGS_PRODUCT_ACCOUNTING_PARAMS.PENALTY_INCOME_ACCOUNT_MAPPING.getValue(), chartsParamName));
 
-    private static final Set<String> PRECLOSURE_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
-            preClosurePenalApplicableParamName, preClosurePenalInterestParamName, preClosurePenalInterestOnTypeIdParamName));
+    private static final Set<String> PRECLOSURE_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(preClosurePenalApplicableParamName,
+            preClosurePenalInterestParamName, preClosurePenalInterestOnTypeIdParamName));
 
-    private static final Set<String> PRECLOSURE_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
-            preClosurePenalApplicableParamName, preClosurePenalInterestParamName, preClosurePenalInterestOnType));
+    private static final Set<String> PRECLOSURE_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(preClosurePenalApplicableParamName,
+            preClosurePenalInterestParamName, preClosurePenalInterestOnType));
 
     private static final Set<String> DEPOSIT_TERM_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(minDepositTermParamName,
             maxDepositTermParamName, minDepositTermTypeIdParamName, maxDepositTermTypeIdParamName, inMultiplesOfDepositTermParamName,
@@ -258,6 +257,7 @@ public class DepositsApiConstants {
         recurringDepositRequestData.addAll(PRECLOSURE_REQUEST_DATA_PARAMETERS);
         recurringDepositRequestData.addAll(DEPOSIT_TERM_REQUEST_DATA_PARAMETERS);
         recurringDepositRequestData.addAll(RECURRING_DETAILS_REQUEST_DATA_PARAMETERS);
+        recurringDepositRequestData.add(SavingsApiConstants.minBalanceForInterestCalculationParamName);
         return recurringDepositRequestData;
     }
 
@@ -267,6 +267,7 @@ public class DepositsApiConstants {
         recurringDepositRequestData.addAll(PRECLOSURE_RESPONSE_DATA_PARAMETERS);
         recurringDepositRequestData.addAll(DEPOSIT_TERM_RESPONSE_DATA_PARAMETERS);
         recurringDepositRequestData.addAll(RECURRING_DETAILS_RESPONSE_DATA_PARAMETERS);
+        recurringDepositRequestData.add(SavingsApiConstants.minBalanceForInterestCalculationParamName);
         return recurringDepositRequestData;
     }
 
@@ -326,8 +327,8 @@ public class DepositsApiConstants {
         return recurringDepositResponseData;
     }
 
-    public static final Set<String> DEPOSIT_ACCOUNT_TRANSACTION_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
-            localeParamName, dateFormatParamName, transactionDateParamName, transactionAmountParamName, paymentTypeIdParamName,
+    public static final Set<String> DEPOSIT_ACCOUNT_TRANSACTION_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(localeParamName,
+            dateFormatParamName, transactionDateParamName, transactionAmountParamName, paymentTypeIdParamName,
             transactionAccountNumberParamName, checkNumberParamName, routingCodeParamName, receiptNumberParamName, bankNumberParamName));
 
     public static final Set<String> FIXED_DEPOSIT_TRANSACTION_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(idParamName,
@@ -355,9 +356,9 @@ public class DepositsApiConstants {
             amountWaivedParamName, amountWrittenOffParamName, amountOutstandingParamName, amountOrPercentageParamName, amountParamName,
             amountPaidParamName, chargeOptionsParamName));
 
-    public static final Set<String> SAVINGS_ACCOUNT_CHARGES_ADD_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
-            chargeIdParamName, amountParamName, dueAsOfDateParamName, dateFormatParamName, localeParamName, feeOnMonthDayParamName,
-            monthDayFormatParamName, feeIntervalParamName));
+    public static final Set<String> SAVINGS_ACCOUNT_CHARGES_ADD_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(chargeIdParamName,
+            amountParamName, dueAsOfDateParamName, dateFormatParamName, localeParamName, feeOnMonthDayParamName, monthDayFormatParamName,
+            feeIntervalParamName));
 
     public static final Set<String> SAVINGS_ACCOUNT_CHARGES_PAY_CHARGE_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
             amountParamName, dueAsOfDateParamName, dateFormatParamName, localeParamName));

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/SavingsApiConstants.java

@@ -97,6 +97,7 @@ public class SavingsApiConstants {
     public static final String overdraftLimitParamName = "overdraftLimit";
     public static final String minRequiredBalanceParamName = "minRequiredBalance";
     public static final String allowOverdraftMinBalanceParamName = "allowOverdraftMinBalance";
+    public static final String minBalanceForInterestCalculationParamName = "minBalanceForInterestCalculation";
 
     // transaction parameters
     public static final String transactionDateParamName = "transactionDate";
@@ -152,15 +153,15 @@ public class SavingsApiConstants {
             SAVINGS_PRODUCT_ACCOUNTING_PARAMS.OVERDRAFT_PORTFOLIO_CONTROL.getValue(),
             SAVINGS_PRODUCT_ACCOUNTING_PARAMS.LOSSES_WRITTEN_OFF.getValue(),
             SAVINGS_PRODUCT_ACCOUNTING_PARAMS.INCOME_FROM_INTEREST.getValue(), allowOverdraftParamName, overdraftLimitParamName,
-            minRequiredBalanceParamName, allowOverdraftMinBalanceParamName));
+            minRequiredBalanceParamName, allowOverdraftMinBalanceParamName, minBalanceForInterestCalculationParamName));
 
     /**
      * These parameters will match the class level parameters of
      * {@link SavingsProductData}. Where possible, we try to get response
      * parameters to match those of request parameters.
      */
-    public static final Set<String> SAVINGS_PRODUCT_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(idParamName,
-            nameParamName, shortNameParamName, descriptionParamName, "currency", digitsAfterDecimalParamName, inMultiplesOfParamName,
+    public static final Set<String> SAVINGS_PRODUCT_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(idParamName, nameParamName,
+            shortNameParamName, descriptionParamName, "currency", digitsAfterDecimalParamName, inMultiplesOfParamName,
             nominalAnnualInterestRateParamName, interestCompoundingPeriodTypeParamName, interestPostingPeriodTypeParamName,
             interestCalculationTypeParamName, interestCalculationDaysInYearTypeParamName, minRequiredOpeningBalanceParamName,
             lockinPeriodFrequencyParamName, lockinPeriodFrequencyTypeParamName, withdrawalFeeAmountParamName, withdrawalFeeTypeParamName,
@@ -183,9 +184,9 @@ public class SavingsApiConstants {
      * {@link SavingsAccountData}. Where possible, we try to get response
      * parameters to match those of request parameters.
      */
-    public static final Set<String> SAVINGS_ACCOUNT_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(idParamName,
-            accountNoParamName, externalIdParamName, statusParamName, activatedOnDateParamName, clientIdParamName, "clientName",
-            groupIdParamName, "groupName", "savingsProductId", "savingsProductName", "currency", nominalAnnualInterestRateParamName,
+    public static final Set<String> SAVINGS_ACCOUNT_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(idParamName, accountNoParamName,
+            externalIdParamName, statusParamName, activatedOnDateParamName, clientIdParamName, "clientName", groupIdParamName, "groupName",
+            "savingsProductId", "savingsProductName", "currency", nominalAnnualInterestRateParamName,
             interestCompoundingPeriodTypeParamName, interestCalculationTypeParamName, interestCalculationDaysInYearTypeParamName,
             minRequiredOpeningBalanceParamName, lockinPeriodFrequencyParamName, lockinPeriodFrequencyTypeParamName,
             withdrawalFeeAmountParamName, withdrawalFeeTypeParamName, withdrawalFeeForTransfersParamName, feeAmountParamName,
@@ -193,13 +194,13 @@ public class SavingsApiConstants {
             "interestPostingPeriodTypeOptions", "interestCalculationTypeOptions", "interestCalculationDaysInYearTypeOptions",
             "lockinPeriodFrequencyTypeOptions", "withdrawalFeeTypeOptions", "withdrawalFee", "annualFee"));
 
-    public static final Set<String> SAVINGS_ACCOUNT_TRANSACTION_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
-            localeParamName, dateFormatParamName, transactionDateParamName, transactionAmountParamName, paymentTypeIdParamName,
+    public static final Set<String> SAVINGS_ACCOUNT_TRANSACTION_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(localeParamName,
+            dateFormatParamName, transactionDateParamName, transactionAmountParamName, paymentTypeIdParamName,
             transactionAccountNumberParamName, checkNumberParamName, routingCodeParamName, receiptNumberParamName, bankNumberParamName));
 
-    public static final Set<String> SAVINGS_TRANSACTION_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(idParamName,
-            "accountId", accountNoParamName, "currency", "amount", dateParamName, paymentDetailDataParamName, runningBalanceParamName,
-            reversedParamName));
+    public static final Set<String> SAVINGS_TRANSACTION_RESPONSE_DATA_PARAMETERS = new HashSet<>(
+            Arrays.asList(idParamName, "accountId", accountNoParamName, "currency", "amount", dateParamName, paymentDetailDataParamName,
+                    runningBalanceParamName, reversedParamName));
 
     public static final Set<String> SAVINGS_ACCOUNT_ACTIVATION_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(localeParamName,
             dateFormatParamName, activatedOnDateParamName));
@@ -213,9 +214,9 @@ public class SavingsApiConstants {
             amountWaivedParamName, amountWrittenOffParamName, amountOutstandingParamName, amountOrPercentageParamName, amountParamName,
             amountPaidParamName, chargeOptionsParamName));
 
-    public static final Set<String> SAVINGS_ACCOUNT_CHARGES_ADD_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
-            chargeIdParamName, amountParamName, dueAsOfDateParamName, dateFormatParamName, localeParamName, feeOnMonthDayParamName,
-            monthDayFormatParamName, feeIntervalParamName));
+    public static final Set<String> SAVINGS_ACCOUNT_CHARGES_ADD_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(chargeIdParamName,
+            amountParamName, dueAsOfDateParamName, dateFormatParamName, localeParamName, feeOnMonthDayParamName, monthDayFormatParamName,
+            feeIntervalParamName));
 
     public static final Set<String> SAVINGS_ACCOUNT_CHARGES_PAY_CHARGE_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
             amountParamName, dueAsOfDateParamName, dateFormatParamName, localeParamName));

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/DepositAccountData.java

@@ -17,8 +17,8 @@ import org.mifosplatform.organisation.staff.data.StaffData;
 import org.mifosplatform.portfolio.charge.data.ChargeData;
 
 /**
- * Immutable data object representing abstract for Fixed and Recurring Deposit Accounts
- * Accounts.
+ * Immutable data object representing abstract for Fixed and Recurring Deposit
+ * Accounts Accounts.
  */
 public class DepositAccountData {
 
@@ -46,6 +46,7 @@ public class DepositAccountData {
     protected final EnumOptionData lockinPeriodFrequencyType;
     protected final boolean withdrawalFeeForTransfers;
     protected final EnumOptionData depositType;
+    protected final BigDecimal minBalanceForInterestCalculation;
 
     // associations
     protected final SavingsAccountSummaryData summary;
@@ -78,7 +79,7 @@ public class DepositAccountData {
             final EnumOptionData interestCalculationType, final EnumOptionData interestCalculationDaysInYearType,
             final BigDecimal minRequiredOpeningBalance, final Integer lockinPeriodFrequency,
             final EnumOptionData lockinPeriodFrequencyType, final boolean withdrawalFeeForTransfers,
-            final SavingsAccountSummaryData summary, final EnumOptionData depositType) {
+            final SavingsAccountSummaryData summary, final EnumOptionData depositType, final BigDecimal minBalanceForInterestCalculation) {
 
         final Collection<DepositProductData> productOptions = null;
         final Collection<StaffData> fieldOfficerOptions = null;
@@ -101,7 +102,8 @@ public class DepositAccountData {
                 lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions,
                 fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
-                withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, depositType);
+                withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, depositType,
+                minBalanceForInterestCalculation);
     }
 
     public static DepositAccountData lookup(final Long id, final String accountNo, final EnumOptionData depositType) {
@@ -142,6 +144,7 @@ public class DepositAccountData {
         final Collection<ChargeData> chargeOptions = null;
         final DepositAccountInterestRateChartData accountChart = null;
         final DepositAccountInterestRateChartData chartTemplate = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         return new DepositAccountData(id, accountNo, externalId, groupId, groupName, clientId, clientName, productId, productName,
                 fieldOfficerId, fieldOfficerName, status, timeline, currency, interestRate, interestCompoundingPeriodType,
@@ -149,7 +152,8 @@ public class DepositAccountData {
                 lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions,
                 fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
-                withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, depositType);
+                withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, depositType,
+                minBalanceForInterestCalculation);
     }
 
     protected DepositAccountData(final Long id, final String accountNo, final String externalId, final Long groupId,
@@ -169,7 +173,7 @@ public class DepositAccountData {
             final Collection<EnumOptionData> lockinPeriodFrequencyTypeOptions, final Collection<EnumOptionData> withdrawalFeeTypeOptions,
             final Collection<SavingsAccountChargeData> charges, final Collection<ChargeData> chargeOptions,
             final DepositAccountInterestRateChartData accountChart, final DepositAccountInterestRateChartData chartTemplate,
-            final EnumOptionData depositType) {
+            final EnumOptionData depositType, final BigDecimal minBalanceForInterestCalculation) {
         this.id = id;
         this.accountNo = accountNo;
         this.externalId = externalId;
@@ -215,6 +219,7 @@ public class DepositAccountData {
         this.accountChart = accountChart;
         this.chartTemplate = chartTemplate;
         this.depositType = depositType;
+        this.minBalanceForInterestCalculation = minBalanceForInterestCalculation;
     }
 
     private SavingsAccountChargeData getWithdrawalFee() {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/DepositProductData.java

@@ -39,6 +39,7 @@ public class DepositProductData {
     protected final Integer lockinPeriodFrequency;
     protected final EnumOptionData lockinPeriodFrequencyType;
     // protected final boolean withdrawalFeeForTransfers;
+    protected final BigDecimal minBalanceForInterestCalculation;
 
     // accounting
     protected final EnumOptionData accountingRule;
@@ -88,6 +89,7 @@ public class DepositProductData {
         final BigDecimal nominalAnnualInterestRate = null;
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final Map<String, Object> accountingMappings = null;
         final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings = null;
         final Collection<ChargeData> charges = null;
@@ -101,7 +103,7 @@ public class DepositProductData {
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
                 accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate);
+                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, minBalanceForInterestCalculation);
     }
 
     public static DepositProductData withCharges(final DepositProductData existingProduct, final Collection<ChargeData> charges) {
@@ -116,7 +118,8 @@ public class DepositProductData {
                 existingProduct.lockinPeriodFrequencyTypeOptions, existingProduct.withdrawalFeeTypeOptions,
                 existingProduct.paymentTypeOptions, existingProduct.accountingRuleOptions, existingProduct.accountingMappingOptions,
                 charges, existingProduct.chargeOptions, existingProduct.penaltyOptions, existingProduct.feeToIncomeAccountMappings,
-                existingProduct.penaltyToIncomeAccountMappings, existingProduct.interestRateCharts, existingProduct.chartTemplate);
+                existingProduct.penaltyToIncomeAccountMappings, existingProduct.interestRateCharts, existingProduct.chartTemplate,
+                existingProduct.minBalanceForInterestCalculation);
     }
 
     /**
@@ -143,7 +146,7 @@ public class DepositProductData {
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions,
                 existingProduct.feeToIncomeAccountMappings, existingProduct.penaltyToIncomeAccountMappings,
-                existingProduct.interestRateCharts, chartTemplate);
+                existingProduct.interestRateCharts, chartTemplate, existingProduct.minBalanceForInterestCalculation);
     }
 
     public static DepositProductData withAccountingDetails(final DepositProductData existingProduct,
@@ -174,14 +177,16 @@ public class DepositProductData {
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, existingProduct.interestRateCharts, existingProduct.chartTemplate);
+                penaltyToIncomeAccountMappings, existingProduct.interestRateCharts, existingProduct.chartTemplate,
+                existingProduct.minBalanceForInterestCalculation);
     }
 
     public static DepositProductData instance(final Long id, final String name, final String shortName, final String description,
             final CurrencyData currency, final BigDecimal nominalAnnualInterestRate, final EnumOptionData interestCompoundingPeriodType,
             final EnumOptionData interestPostingPeriodType, final EnumOptionData interestCalculationType,
             final EnumOptionData interestCalculationDaysInYearType, final Integer lockinPeriodFrequency,
-            final EnumOptionData lockinPeriodFrequencyType, final EnumOptionData accountingType) {
+            final EnumOptionData lockinPeriodFrequencyType, final EnumOptionData accountingType,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         final Map<String, Object> accountingMappings = null;
         final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings = null;
@@ -210,7 +215,7 @@ public class DepositProductData {
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
                 accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate);
+                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, minBalanceForInterestCalculation);
     }
 
     public static DepositProductData lookup(final Long id, final String name) {
@@ -225,6 +230,7 @@ public class DepositProductData {
         final EnumOptionData interestCalculationDaysInYearType = null;
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final EnumOptionData accountingType = null;
         final Map<String, Object> accountingMappings = null;
@@ -254,7 +260,7 @@ public class DepositProductData {
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
                 accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate);
+                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, minBalanceForInterestCalculation);
     }
 
     public static DepositProductData withInterestChart(final DepositProductData existingProduct,
@@ -271,7 +277,7 @@ public class DepositProductData {
                 existingProduct.paymentTypeOptions, existingProduct.accountingRuleOptions, existingProduct.accountingMappingOptions,
                 existingProduct.charges, existingProduct.chargeOptions, existingProduct.penaltyOptions,
                 existingProduct.feeToIncomeAccountMappings, existingProduct.penaltyToIncomeAccountMappings, interestRateCharts,
-                existingProduct.chartTemplate);
+                existingProduct.chartTemplate, existingProduct.minBalanceForInterestCalculation);
     }
 
     protected DepositProductData(final Long id, final String name, final String shortName, final String description,
@@ -291,7 +297,8 @@ public class DepositProductData {
             final Collection<ChargeData> chargeOptions, final Collection<ChargeData> penaltyOptions,
             final Collection<ChargeToGLAccountMapper> feeToIncomeAccountMappings,
             final Collection<ChargeToGLAccountMapper> penaltyToIncomeAccountMappings,
-            final Collection<InterestRateChartData> interestRateCharts, final InterestRateChartData chartTemplate) {
+            final Collection<InterestRateChartData> interestRateCharts, final InterestRateChartData chartTemplate,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         this.id = id;
         this.name = name;
@@ -336,6 +343,7 @@ public class DepositProductData {
         this.interestRateCharts = interestRateCharts;
         this.activeChart = activeChart(this.interestRateCharts);
         this.chartTemplate = chartTemplate;
+        this.minBalanceForInterestCalculation = minBalanceForInterestCalculation;
     }
 
     public static InterestRateChartData activeChart(Collection<InterestRateChartData> interestRateCharts) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/DepositProductDataValidator.java

@@ -38,6 +38,7 @@ import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestCo
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestPostingPeriodTypeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyTypeParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minBalanceForInterestCalculationParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredOpeningBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nameParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateParamName;
@@ -273,6 +274,13 @@ public class DepositProductDataValidator {
             }
         }
 
+        if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
+            final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(
+                    minBalanceForInterestCalculationParamName, element);
+            baseDataValidator.reset().parameter(minBalanceForInterestCalculationParamName).value(minBalanceForInterestCalculation)
+                    .ignoreIfNull().zeroOrPositiveAmount();
+        }
+
         // accounting related data validation
         final Integer accountingRuleType = fromApiJsonHelper.extractIntegerNamed("accountingRule", element, Locale.getDefault());
         baseDataValidator.reset().parameter("accountingRule").value(accountingRuleType).notNull().inMinMaxRange(1, 3);
@@ -479,6 +487,13 @@ public class DepositProductDataValidator {
             baseDataValidator.reset().parameter(feeOnMonthDayParamName).value(monthDayOfAnnualFee).ignoreIfNull();
         }
 
+        if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
+            final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(
+                    minBalanceForInterestCalculationParamName, element);
+            baseDataValidator.reset().parameter(minBalanceForInterestCalculationParamName).value(minBalanceForInterestCalculation)
+                    .ignoreIfNull().zeroOrPositiveAmount();
+        }
+
         final Long savingsControlAccountId = fromApiJsonHelper.extractLongNamed(
                 SAVINGS_PRODUCT_ACCOUNTING_PARAMS.SAVINGS_CONTROL.getValue(), element);
         baseDataValidator.reset().parameter(SAVINGS_PRODUCT_ACCOUNTING_PARAMS.SAVINGS_CONTROL.getValue()).value(savingsControlAccountId)

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/FixedDepositAccountData.java

@@ -78,16 +78,16 @@ public class FixedDepositAccountData extends DepositAccountData {
                 depositAccountData.interestPostingPeriodType, depositAccountData.interestCalculationType,
                 depositAccountData.interestCalculationDaysInYearType, depositAccountData.minRequiredOpeningBalance,
                 depositAccountData.lockinPeriodFrequency, depositAccountData.lockinPeriodFrequencyType,
-                depositAccountData.withdrawalFeeForTransfers, depositAccountData.summary, depositAccountData.transactions,
-                depositAccountData.productOptions, depositAccountData.fieldOfficerOptions,
-                depositAccountData.interestCompoundingPeriodTypeOptions, depositAccountData.interestPostingPeriodTypeOptions,
-                depositAccountData.interestCalculationTypeOptions, depositAccountData.interestCalculationDaysInYearTypeOptions,
-                depositAccountData.lockinPeriodFrequencyTypeOptions, depositAccountData.withdrawalFeeTypeOptions,
-                depositAccountData.charges, depositAccountData.chargeOptions, depositAccountData.accountChart,
-                depositAccountData.chartTemplate, preClosurePenalApplicable, preClosurePenalInterest, preClosurePenalInterestOnType,
-                preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType, maxDepositTermType,
-                inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, depositAmount, maturityAmount, maturityDate, depositPeriod,
-                depositPeriodFrequency, periodFrequencyTypeOptions, depositType, onAccountClosure, onAccountClosureOptions,
+                depositAccountData.withdrawalFeeForTransfers, depositAccountData.minBalanceForInterestCalculation,
+                depositAccountData.summary, depositAccountData.transactions, depositAccountData.productOptions,
+                depositAccountData.fieldOfficerOptions, depositAccountData.interestCompoundingPeriodTypeOptions,
+                depositAccountData.interestPostingPeriodTypeOptions, depositAccountData.interestCalculationTypeOptions,
+                depositAccountData.interestCalculationDaysInYearTypeOptions, depositAccountData.lockinPeriodFrequencyTypeOptions,
+                depositAccountData.withdrawalFeeTypeOptions, depositAccountData.charges, depositAccountData.chargeOptions,
+                depositAccountData.accountChart, depositAccountData.chartTemplate, preClosurePenalApplicable, preClosurePenalInterest,
+                preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType,
+                maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, depositAmount, maturityAmount, maturityDate,
+                depositPeriod, depositPeriodFrequency, periodFrequencyTypeOptions, depositType, onAccountClosure, onAccountClosureOptions,
                 paymentTypeOptions, savingsAccountDatas, linkedAccount, transferInterestToSavings);
     }
 
@@ -98,17 +98,18 @@ public class FixedDepositAccountData extends DepositAccountData {
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, account.transactions,
-                account.productOptions, account.fieldOfficerOptions, account.interestCompoundingPeriodTypeOptions,
-                account.interestPostingPeriodTypeOptions, account.interestCalculationTypeOptions,
-                account.interestCalculationDaysInYearTypeOptions, account.lockinPeriodFrequencyTypeOptions,
-                account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions, accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                account.periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, account.onAccountClosureOptions,
-                account.paymentTypeOptions, account.savingsAccounts, account.linkedAccount, account.transferInterestToSavings);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, account.transactions, account.productOptions, account.fieldOfficerOptions,
+                account.interestCompoundingPeriodTypeOptions, account.interestPostingPeriodTypeOptions,
+                account.interestCalculationTypeOptions, account.interestCalculationDaysInYearTypeOptions,
+                account.lockinPeriodFrequencyTypeOptions, account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions,
+                accountChart, account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, account.periodFrequencyTypeOptions, account.depositType,
+                account.onAccountClosure, account.onAccountClosureOptions, account.paymentTypeOptions, account.savingsAccounts,
+                account.linkedAccount, account.transferInterestToSavings);
     }
 
     public static FixedDepositAccountData associationsAndTemplate(final FixedDepositAccountData account, FixedDepositAccountData template,
@@ -124,17 +125,18 @@ public class FixedDepositAccountData extends DepositAccountData {
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, transactions,
-                template.productOptions, template.fieldOfficerOptions, template.interestCompoundingPeriodTypeOptions,
-                template.interestPostingPeriodTypeOptions, template.interestCalculationTypeOptions,
-                template.interestCalculationDaysInYearTypeOptions, template.lockinPeriodFrequencyTypeOptions,
-                template.withdrawalFeeTypeOptions, charges, template.chargeOptions, account.accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                template.preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                template.periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, account.onAccountClosureOptions,
-                account.paymentTypeOptions, template.savingsAccounts, linkedAccount, account.transferInterestToSavings);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, transactions, template.productOptions, template.fieldOfficerOptions,
+                template.interestCompoundingPeriodTypeOptions, template.interestPostingPeriodTypeOptions,
+                template.interestCalculationTypeOptions, template.interestCalculationDaysInYearTypeOptions,
+                template.lockinPeriodFrequencyTypeOptions, template.withdrawalFeeTypeOptions, charges, template.chargeOptions,
+                account.accountChart, account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, template.preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, template.periodFrequencyTypeOptions, account.depositType,
+                account.onAccountClosure, account.onAccountClosureOptions, account.paymentTypeOptions, template.savingsAccounts,
+                linkedAccount, account.transferInterestToSavings);
     }
 
     public static FixedDepositAccountData withTemplateOptions(final FixedDepositAccountData account,
@@ -148,22 +150,22 @@ public class FixedDepositAccountData extends DepositAccountData {
             final Collection<ChargeData> chargeOptions, final Collection<EnumOptionData> preClosurePenalInterestOnTypeOptions,
             final Collection<EnumOptionData> periodFrequencyTypeOptions, final Collection<SavingsAccountData> savingsAccounts) {
 
-
         return new FixedDepositAccountData(account.id, account.accountNo, account.externalId, account.groupId, account.groupName,
                 account.clientId, account.clientName, account.depositProductId, account.depositProductName, account.fieldOfficerId,
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, transactions, productOptions,
-                fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
-                interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
-                withdrawalFeeTypeOptions, charges, chargeOptions, account.accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, account.onAccountClosureOptions,
-                account.paymentTypeOptions, savingsAccounts, account.linkedAccount, account.transferInterestToSavings);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, charges, chargeOptions, account.accountChart,
+                account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, periodFrequencyTypeOptions, account.depositType,
+                account.onAccountClosure, account.onAccountClosureOptions, account.paymentTypeOptions, savingsAccounts,
+                account.linkedAccount, account.transferInterestToSavings);
     }
 
     public static FixedDepositAccountData withClientTemplate(final Long clientId, final String clientName, final Long groupId,
@@ -188,6 +190,7 @@ public class FixedDepositAccountData extends DepositAccountData {
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
         final boolean withdrawalFeeForTransfers = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
 
@@ -233,14 +236,15 @@ public class FixedDepositAccountData extends DepositAccountData {
         return new FixedDepositAccountData(id, accountNo, externalId, groupId, groupName, clientId, clientName, productId, productName,
                 fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualInterestRate, interestPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions,
-                fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, minBalanceForInterestCalculation, summary,
+                transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, preClosurePenalApplicable,
                 preClosurePenalInterest, preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm,
                 maxDepositTerm, minDepositTermType, maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType,
                 depositAmount, maturityAmount, maturityDate, depositPeriod, depositPeriodFrequency, periodFrequencyTypeOptions,
-                depositType, onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, linkedAccount, transferInterestToSavings);
+                depositType, onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, linkedAccount,
+                transferInterestToSavings);
     }
 
     public static FixedDepositAccountData preClosureDetails(final Long accountId, BigDecimal maturityAmount,
@@ -269,6 +273,7 @@ public class FixedDepositAccountData extends DepositAccountData {
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
         final boolean withdrawalFeeForTransfers = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
         final Collection<DepositProductData> productOptions = null;
@@ -310,14 +315,15 @@ public class FixedDepositAccountData extends DepositAccountData {
         return new FixedDepositAccountData(accountId, accountNo, externalId, groupId, groupName, clientId, clientName, productId,
                 productName, fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualInterestRate, interestPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions,
-                fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, minBalanceForInterestCalculation, summary,
+                transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, preClosurePenalApplicable,
                 preClosurePenalInterest, preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm,
                 maxDepositTerm, minDepositTermType, maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType,
                 depositAmount, maturityAmount, maturityDate, depositPeriod, depositPeriodFrequency, periodFrequencyTypeOptions,
-                depositType, onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, linkedAccount, transferInterestToSavings);
+                depositType, onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, linkedAccount,
+                transferInterestToSavings);
     }
 
     public static FixedDepositAccountData withClosureTemplateDetails(final FixedDepositAccountData account,
@@ -329,17 +335,18 @@ public class FixedDepositAccountData extends DepositAccountData {
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, account.transactions,
-                account.productOptions, account.fieldOfficerOptions, account.interestCompoundingPeriodTypeOptions,
-                account.interestPostingPeriodTypeOptions, account.interestCalculationTypeOptions,
-                account.interestCalculationDaysInYearTypeOptions, account.lockinPeriodFrequencyTypeOptions,
-                account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions, account.accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                account.periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, onAccountClosureOptions,
-                paymentTypeOptions, savingsAccountDatas, account.linkedAccount, account.transferInterestToSavings);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, account.transactions, account.productOptions, account.fieldOfficerOptions,
+                account.interestCompoundingPeriodTypeOptions, account.interestPostingPeriodTypeOptions,
+                account.interestCalculationTypeOptions, account.interestCalculationDaysInYearTypeOptions,
+                account.lockinPeriodFrequencyTypeOptions, account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions,
+                account.accountChart, account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, account.periodFrequencyTypeOptions, account.depositType,
+                account.onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, account.linkedAccount,
+                account.transferInterestToSavings);
 
     }
 
@@ -351,9 +358,9 @@ public class FixedDepositAccountData extends DepositAccountData {
             final EnumOptionData interestCalculationType, final EnumOptionData interestCalculationDaysInYearType,
             final BigDecimal minRequiredOpeningBalance, final Integer lockinPeriodFrequency,
             final EnumOptionData lockinPeriodFrequencyType, final boolean withdrawalFeeForTransfers,
-            final SavingsAccountSummaryData summary, final Collection<SavingsAccountTransactionData> transactions,
-            final Collection<DepositProductData> productOptions, final Collection<StaffData> fieldOfficerOptions,
-            final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions,
+            final BigDecimal minBalanceForInterestCalculation, final SavingsAccountSummaryData summary,
+            final Collection<SavingsAccountTransactionData> transactions, final Collection<DepositProductData> productOptions,
+            final Collection<StaffData> fieldOfficerOptions, final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions,
             final Collection<EnumOptionData> interestPostingPeriodTypeOptions,
             final Collection<EnumOptionData> interestCalculationTypeOptions,
             final Collection<EnumOptionData> interestCalculationDaysInYearTypeOptions,
@@ -377,7 +384,7 @@ public class FixedDepositAccountData extends DepositAccountData {
                 lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions, fieldOfficerOptions,
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, charges,
-                chargeOptions, accountChart, chartTemplate, depositType);
+                chargeOptions, accountChart, chartTemplate, depositType, minBalanceForInterestCalculation);
 
         this.preClosurePenalApplicable = preClosurePenalApplicable;
         this.preClosurePenalInterest = preClosurePenalInterest;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/FixedDepositProductData.java

@@ -62,6 +62,7 @@ public class FixedDepositProductData extends DepositProductData {
         final BigDecimal nominalAnnualInterestRate = null;
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final Map<String, Object> accountingMappings = null;
         final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings = null;
         final Collection<ChargeData> charges = null;
@@ -84,10 +85,11 @@ public class FixedDepositProductData extends DepositProductData {
 
         return new FixedDepositProductData(id, name, shortName, description, currency, nominalAnnualInterestRate,
                 interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRule, accountingMappings, paymentChannelToFundSourceMappings,
-                currencyOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
-                interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
-                accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, minBalanceForInterestCalculation, accountingRule, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
+                accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
                 penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, preClosurePenalApplicable, preClosurePenalInterest,
                 preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType,
                 maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, minDepositAmount, depositAmount,
@@ -99,8 +101,9 @@ public class FixedDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                existingProduct.accountingMappings, existingProduct.paymentChannelToFundSourceMappings, existingProduct.currencyOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, existingProduct.accountingMappings,
+                existingProduct.paymentChannelToFundSourceMappings, existingProduct.currencyOptions,
                 existingProduct.interestCompoundingPeriodTypeOptions, existingProduct.interestPostingPeriodTypeOptions,
                 existingProduct.interestCalculationTypeOptions, existingProduct.interestCalculationDaysInYearTypeOptions,
                 existingProduct.lockinPeriodFrequencyTypeOptions, existingProduct.withdrawalFeeTypeOptions,
@@ -136,11 +139,12 @@ public class FixedDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                existingProduct.accountingMappings, existingProduct.paymentChannelToFundSourceMappings, currencyOptions,
-                interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
-                interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
-                accountingRuleOptions, accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, existingProduct.accountingMappings,
+                existingProduct.paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
+                accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions,
                 existingProduct.feeToIncomeAccountMappings, existingProduct.penaltyToIncomeAccountMappings,
                 existingProduct.interestRateCharts, chartTemplate, existingProduct.preClosurePenalApplicable,
                 existingProduct.preClosurePenalInterest, existingProduct.preClosurePenalInterestOnType,
@@ -173,8 +177,9 @@ public class FixedDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                accountingMappings, paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
@@ -220,8 +225,9 @@ public class FixedDepositProductData extends DepositProductData {
                 depositProductData.description, depositProductData.currency, depositProductData.nominalAnnualInterestRate,
                 depositProductData.interestCompoundingPeriodType, depositProductData.interestPostingPeriodType,
                 depositProductData.interestCalculationType, depositProductData.interestCalculationDaysInYearType,
-                depositProductData.lockinPeriodFrequency, depositProductData.lockinPeriodFrequencyType, depositProductData.accountingRule,
-                accountingMappings, paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                depositProductData.lockinPeriodFrequency, depositProductData.lockinPeriodFrequencyType,
+                depositProductData.minBalanceForInterestCalculation, depositProductData.accountingRule, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
@@ -243,6 +249,7 @@ public class FixedDepositProductData extends DepositProductData {
         final EnumOptionData interestCalculationDaysInYearType = null;
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final EnumOptionData accountingType = null;
         final Map<String, Object> accountingMappings = null;
         final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings = null;
@@ -281,10 +288,11 @@ public class FixedDepositProductData extends DepositProductData {
 
         return new FixedDepositProductData(id, name, shortName, description, currency, nominalAnnualInterestRate,
                 interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, accountingType, accountingMappings, paymentChannelToFundSourceMappings,
-                currencyOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
-                interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
-                accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, minBalanceForInterestCalculation, accountingType, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
+                accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
                 penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, preClosurePenalApplicable, preClosurePenalInterest,
                 preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType,
                 maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, minDepositAmount, depositAmount,
@@ -297,8 +305,9 @@ public class FixedDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                existingProduct.accountingMappings, existingProduct.paymentChannelToFundSourceMappings, existingProduct.currencyOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, existingProduct.accountingMappings,
+                existingProduct.paymentChannelToFundSourceMappings, existingProduct.currencyOptions,
                 existingProduct.interestCompoundingPeriodTypeOptions, existingProduct.interestPostingPeriodTypeOptions,
                 existingProduct.interestCalculationTypeOptions, existingProduct.interestCalculationDaysInYearTypeOptions,
                 existingProduct.lockinPeriodFrequencyTypeOptions, existingProduct.withdrawalFeeTypeOptions,
@@ -318,8 +327,8 @@ public class FixedDepositProductData extends DepositProductData {
             final CurrencyData currency, final BigDecimal nominalAnnualInterestRate, final EnumOptionData interestCompoundingPeriodType,
             final EnumOptionData interestPostingPeriodType, final EnumOptionData interestCalculationType,
             final EnumOptionData interestCalculationDaysInYearType, final Integer lockinPeriodFrequency,
-            final EnumOptionData lockinPeriodFrequencyType, final EnumOptionData accountingType,
-            final Map<String, Object> accountingMappings,
+            final EnumOptionData lockinPeriodFrequencyType, final BigDecimal minBalanceForInterestCalculation,
+            final EnumOptionData accountingType, final Map<String, Object> accountingMappings,
             final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings,
             final Collection<CurrencyData> currencyOptions, final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions,
             final Collection<EnumOptionData> interestPostingPeriodTypeOptions,
@@ -345,7 +354,7 @@ public class FixedDepositProductData extends DepositProductData {
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
                 accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate);
+                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, minBalanceForInterestCalculation);
 
         // fixed deposit additional fields
         this.preClosurePenalApplicable = preClosurePenalApplicable;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/RecurringDepositAccountData.java

@@ -69,7 +69,8 @@ public class RecurringDepositAccountData extends DepositAccountData {
             final LocalDate maturityDate, final Integer depositPeriod, final EnumOptionData depositPeriodFrequency,
             final BigDecimal mandatoryRecommendedDepositAmount, final EnumOptionData onAccountClosure,
             final LocalDate expectedFirstDepositOnDate, final BigDecimal totalOverdueAmount, final Integer noOfOverdueInstallments,
-            final boolean isMandatoryDeposit, final boolean allowWithdrawal, final boolean adjustAdvanceTowardsFuturePayments, final boolean isCalendarInherited) {
+            final boolean isMandatoryDeposit, final boolean allowWithdrawal, final boolean adjustAdvanceTowardsFuturePayments,
+            final boolean isCalendarInherited) {
 
         final Collection<EnumOptionData> preClosurePenalInterestOnTypeOptions = null;
         final Collection<EnumOptionData> periodFrequencyTypeOptions = null;
@@ -89,41 +90,43 @@ public class RecurringDepositAccountData extends DepositAccountData {
                 depositAccountData.interestPostingPeriodType, depositAccountData.interestCalculationType,
                 depositAccountData.interestCalculationDaysInYearType, depositAccountData.minRequiredOpeningBalance,
                 depositAccountData.lockinPeriodFrequency, depositAccountData.lockinPeriodFrequencyType,
-                depositAccountData.withdrawalFeeForTransfers, depositAccountData.summary, depositAccountData.transactions,
-                depositAccountData.productOptions, depositAccountData.fieldOfficerOptions,
-                depositAccountData.interestCompoundingPeriodTypeOptions, depositAccountData.interestPostingPeriodTypeOptions,
-                depositAccountData.interestCalculationTypeOptions, depositAccountData.interestCalculationDaysInYearTypeOptions,
-                depositAccountData.lockinPeriodFrequencyTypeOptions, depositAccountData.withdrawalFeeTypeOptions,
-                depositAccountData.charges, depositAccountData.chargeOptions, depositAccountData.accountChart,
-                depositAccountData.chartTemplate, preClosurePenalApplicable, preClosurePenalInterest, preClosurePenalInterestOnType,
-                preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType, maxDepositTermType,
-                inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, depositAmount, maturityAmount, maturityDate, depositPeriod,
-                depositPeriodFrequency, mandatoryRecommendedDepositAmount, periodFrequencyTypeOptions, depositType, onAccountClosure,
-                onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, expectedFirstDepositOnDate, totalOverdueAmount,
-                noOfOverdueInstallments, isMandatoryDeposit, allowWithdrawal, adjustAdvanceTowardsFuturePayments, isCalendarInherited, recurringFrequency, recurringFrequencyType);
+                depositAccountData.withdrawalFeeForTransfers, depositAccountData.minBalanceForInterestCalculation,
+                depositAccountData.summary, depositAccountData.transactions, depositAccountData.productOptions,
+                depositAccountData.fieldOfficerOptions, depositAccountData.interestCompoundingPeriodTypeOptions,
+                depositAccountData.interestPostingPeriodTypeOptions, depositAccountData.interestCalculationTypeOptions,
+                depositAccountData.interestCalculationDaysInYearTypeOptions, depositAccountData.lockinPeriodFrequencyTypeOptions,
+                depositAccountData.withdrawalFeeTypeOptions, depositAccountData.charges, depositAccountData.chargeOptions,
+                depositAccountData.accountChart, depositAccountData.chartTemplate, preClosurePenalApplicable, preClosurePenalInterest,
+                preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType,
+                maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, depositAmount, maturityAmount, maturityDate,
+                depositPeriod, depositPeriodFrequency, mandatoryRecommendedDepositAmount, periodFrequencyTypeOptions, depositType,
+                onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas, expectedFirstDepositOnDate,
+                totalOverdueAmount, noOfOverdueInstallments, isMandatoryDeposit, allowWithdrawal, adjustAdvanceTowardsFuturePayments,
+                isCalendarInherited, recurringFrequency, recurringFrequencyType);
     }
 
     public static RecurringDepositAccountData withInterestChartAndRecurringDetails(final RecurringDepositAccountData account,
-            final DepositAccountInterestRateChartData accountChart, final Integer recurringFrequency, final EnumOptionData recurringFrequencyType) {
+            final DepositAccountInterestRateChartData accountChart, final Integer recurringFrequency,
+            final EnumOptionData recurringFrequencyType) {
         return new RecurringDepositAccountData(account.id, account.accountNo, account.externalId, account.groupId, account.groupName,
                 account.clientId, account.clientName, account.depositProductId, account.depositProductName, account.fieldOfficerId,
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, account.transactions,
-                account.productOptions, account.fieldOfficerOptions, account.interestCompoundingPeriodTypeOptions,
-                account.interestPostingPeriodTypeOptions, account.interestCalculationTypeOptions,
-                account.interestCalculationDaysInYearTypeOptions, account.lockinPeriodFrequencyTypeOptions,
-                account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions, accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                account.mandatoryRecommendedDepositAmount, account.periodFrequencyTypeOptions, account.depositType,
-                account.onAccountClosure, account.onAccountClosureOptions, account.paymentTypeOptions, account.savingsAccounts,
-                account.expectedFirstDepositOnDate, account.totalOverdueAmount, account.noOfOverdueInstallments,
-                account.isMandatoryDeposit, account.allowWithdrawal, account.adjustAdvanceTowardsFuturePayments,
-                account.isCalendarInherited, recurringFrequency, recurringFrequencyType);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, account.transactions, account.productOptions, account.fieldOfficerOptions,
+                account.interestCompoundingPeriodTypeOptions, account.interestPostingPeriodTypeOptions,
+                account.interestCalculationTypeOptions, account.interestCalculationDaysInYearTypeOptions,
+                account.lockinPeriodFrequencyTypeOptions, account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions,
+                accountChart, account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, account.mandatoryRecommendedDepositAmount,
+                account.periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, account.onAccountClosureOptions,
+                account.paymentTypeOptions, account.savingsAccounts, account.expectedFirstDepositOnDate, account.totalOverdueAmount,
+                account.noOfOverdueInstallments, account.isMandatoryDeposit, account.allowWithdrawal,
+                account.adjustAdvanceTowardsFuturePayments, account.isCalendarInherited, recurringFrequency, recurringFrequencyType);
     }
 
     public static RecurringDepositAccountData withTemplateOptions(final RecurringDepositAccountData account,
@@ -155,20 +158,21 @@ public class RecurringDepositAccountData extends DepositAccountData {
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, transactions,
-                template.productOptions, template.fieldOfficerOptions, template.interestCompoundingPeriodTypeOptions,
-                template.interestPostingPeriodTypeOptions, template.interestCalculationTypeOptions,
-                template.interestCalculationDaysInYearTypeOptions, template.lockinPeriodFrequencyTypeOptions,
-                template.withdrawalFeeTypeOptions, charges, template.chargeOptions, account.accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                template.preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                account.mandatoryRecommendedDepositAmount, template.periodFrequencyTypeOptions, account.depositType,
-                account.onAccountClosure, account.onAccountClosureOptions, account.paymentTypeOptions, account.savingsAccounts,
-                account.expectedFirstDepositOnDate, account.totalOverdueAmount, account.noOfOverdueInstallments,
-                account.isMandatoryDeposit, account.allowWithdrawal, account.adjustAdvanceTowardsFuturePayments,
-                account.isCalendarInherited, account.recurringFrequency, account.recurringFrequencyType);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, transactions, template.productOptions, template.fieldOfficerOptions,
+                template.interestCompoundingPeriodTypeOptions, template.interestPostingPeriodTypeOptions,
+                template.interestCalculationTypeOptions, template.interestCalculationDaysInYearTypeOptions,
+                template.lockinPeriodFrequencyTypeOptions, template.withdrawalFeeTypeOptions, charges, template.chargeOptions,
+                account.accountChart, account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, template.preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, account.mandatoryRecommendedDepositAmount,
+                template.periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, account.onAccountClosureOptions,
+                account.paymentTypeOptions, account.savingsAccounts, account.expectedFirstDepositOnDate, account.totalOverdueAmount,
+                account.noOfOverdueInstallments, account.isMandatoryDeposit, account.allowWithdrawal,
+                account.adjustAdvanceTowardsFuturePayments, account.isCalendarInherited, account.recurringFrequency,
+                account.recurringFrequencyType);
 
     }
 
@@ -188,17 +192,18 @@ public class RecurringDepositAccountData extends DepositAccountData {
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, transactions, productOptions,
-                fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
-                interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
-                withdrawalFeeTypeOptions, charges, chargeOptions, account.accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                account.mandatoryRecommendedDepositAmount, periodFrequencyTypeOptions, account.depositType, account.onAccountClosure,
-                account.onAccountClosureOptions, account.paymentTypeOptions, account.savingsAccounts, account.expectedFirstDepositOnDate,
-                account.totalOverdueAmount, account.noOfOverdueInstallments, account.isMandatoryDeposit, account.allowWithdrawal,
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, charges, chargeOptions, account.accountChart,
+                account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, account.mandatoryRecommendedDepositAmount,
+                periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, account.onAccountClosureOptions,
+                account.paymentTypeOptions, account.savingsAccounts, account.expectedFirstDepositOnDate, account.totalOverdueAmount,
+                account.noOfOverdueInstallments, account.isMandatoryDeposit, account.allowWithdrawal,
                 account.adjustAdvanceTowardsFuturePayments, account.isCalendarInherited, account.recurringFrequency,
                 account.recurringFrequencyType);
     }
@@ -225,6 +230,7 @@ public class RecurringDepositAccountData extends DepositAccountData {
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
         final boolean withdrawalFeeForTransfers = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
 
@@ -281,8 +287,8 @@ public class RecurringDepositAccountData extends DepositAccountData {
         return new RecurringDepositAccountData(id, accountNo, externalId, groupId, groupName, clientId, clientName, productId, productName,
                 fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualInterestRate, interestPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions,
-                fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, minBalanceForInterestCalculation, summary,
+                transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, preClosurePenalApplicable,
                 preClosurePenalInterest, preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm,
@@ -315,6 +321,7 @@ public class RecurringDepositAccountData extends DepositAccountData {
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
         final boolean withdrawalFeeForTransfers = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
 
@@ -369,8 +376,8 @@ public class RecurringDepositAccountData extends DepositAccountData {
         return new RecurringDepositAccountData(accountId, accountNo, externalId, groupId, groupName, clientId, clientName, productId,
                 productName, fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualInterestRate, interestPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions,
-                fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, minBalanceForInterestCalculation, summary,
+                transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, accountChart, chartTemplate, preClosurePenalApplicable,
                 preClosurePenalInterest, preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm,
@@ -390,20 +397,21 @@ public class RecurringDepositAccountData extends DepositAccountData {
                 account.fieldOfficerName, account.status, account.timeline, account.currency, account.nominalAnnualInterestRate,
                 account.interestCompoundingPeriodType, account.interestPostingPeriodType, account.interestCalculationType,
                 account.interestCalculationDaysInYearType, account.minRequiredOpeningBalance, account.lockinPeriodFrequency,
-                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.summary, account.transactions,
-                account.productOptions, account.fieldOfficerOptions, account.interestCompoundingPeriodTypeOptions,
-                account.interestPostingPeriodTypeOptions, account.interestCalculationTypeOptions,
-                account.interestCalculationDaysInYearTypeOptions, account.lockinPeriodFrequencyTypeOptions,
-                account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions, account.accountChart, account.chartTemplate,
-                account.preClosurePenalApplicable, account.preClosurePenalInterest, account.preClosurePenalInterestOnType,
-                account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm, account.maxDepositTerm, account.minDepositTermType,
-                account.maxDepositTermType, account.inMultiplesOfDepositTerm, account.inMultiplesOfDepositTermType, account.depositAmount,
-                account.maturityAmount, account.maturityDate, account.depositPeriod, account.depositPeriodFrequency,
-                account.mandatoryRecommendedDepositAmount, account.periodFrequencyTypeOptions, account.depositType,
-                account.onAccountClosure, onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas,
-                account.expectedFirstDepositOnDate, account.totalOverdueAmount, account.noOfOverdueInstallments,
-                account.isMandatoryDeposit, account.allowWithdrawal, account.adjustAdvanceTowardsFuturePayments,
-                account.isCalendarInherited, account.recurringFrequency, account.recurringFrequencyType);
+                account.lockinPeriodFrequencyType, account.withdrawalFeeForTransfers, account.minBalanceForInterestCalculation,
+                account.summary, account.transactions, account.productOptions, account.fieldOfficerOptions,
+                account.interestCompoundingPeriodTypeOptions, account.interestPostingPeriodTypeOptions,
+                account.interestCalculationTypeOptions, account.interestCalculationDaysInYearTypeOptions,
+                account.lockinPeriodFrequencyTypeOptions, account.withdrawalFeeTypeOptions, account.charges, account.chargeOptions,
+                account.accountChart, account.chartTemplate, account.preClosurePenalApplicable, account.preClosurePenalInterest,
+                account.preClosurePenalInterestOnType, account.preClosurePenalInterestOnTypeOptions, account.minDepositTerm,
+                account.maxDepositTerm, account.minDepositTermType, account.maxDepositTermType, account.inMultiplesOfDepositTerm,
+                account.inMultiplesOfDepositTermType, account.depositAmount, account.maturityAmount, account.maturityDate,
+                account.depositPeriod, account.depositPeriodFrequency, account.mandatoryRecommendedDepositAmount,
+                account.periodFrequencyTypeOptions, account.depositType, account.onAccountClosure, onAccountClosureOptions,
+                paymentTypeOptions, savingsAccountDatas, account.expectedFirstDepositOnDate, account.totalOverdueAmount,
+                account.noOfOverdueInstallments, account.isMandatoryDeposit, account.allowWithdrawal,
+                account.adjustAdvanceTowardsFuturePayments, account.isCalendarInherited, account.recurringFrequency,
+                account.recurringFrequencyType);
     }
 
     private RecurringDepositAccountData(final Long id, final String accountNo, final String externalId, final Long groupId,
@@ -414,9 +422,9 @@ public class RecurringDepositAccountData extends DepositAccountData {
             final EnumOptionData interestCalculationType, final EnumOptionData interestCalculationDaysInYearType,
             final BigDecimal minRequiredOpeningBalance, final Integer lockinPeriodFrequency,
             final EnumOptionData lockinPeriodFrequencyType, final boolean withdrawalFeeForTransfers,
-            final SavingsAccountSummaryData summary, final Collection<SavingsAccountTransactionData> transactions,
-            final Collection<DepositProductData> productOptions, final Collection<StaffData> fieldOfficerOptions,
-            final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions,
+            final BigDecimal minBalanceForInterestCalculation, final SavingsAccountSummaryData summary,
+            final Collection<SavingsAccountTransactionData> transactions, final Collection<DepositProductData> productOptions,
+            final Collection<StaffData> fieldOfficerOptions, final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions,
             final Collection<EnumOptionData> interestPostingPeriodTypeOptions,
             final Collection<EnumOptionData> interestCalculationTypeOptions,
             final Collection<EnumOptionData> interestCalculationDaysInYearTypeOptions,
@@ -443,7 +451,7 @@ public class RecurringDepositAccountData extends DepositAccountData {
                 lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, transactions, productOptions, fieldOfficerOptions,
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, charges,
-                chargeOptions, accountChart, chartTemplate, depositType);
+                chargeOptions, accountChart, chartTemplate, depositType, minBalanceForInterestCalculation);
 
         this.preClosurePenalApplicable = preClosurePenalApplicable;
         this.preClosurePenalInterest = preClosurePenalInterest;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/RecurringDepositProductData.java

@@ -65,6 +65,7 @@ public class RecurringDepositProductData extends DepositProductData {
 
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final Map<String, Object> accountingMappings = null;
         final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings = null;
@@ -90,10 +91,11 @@ public class RecurringDepositProductData extends DepositProductData {
 
         return new RecurringDepositProductData(id, name, shortName, description, currency, nominalAnnualInterestRate,
                 interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRule, accountingMappings, paymentChannelToFundSourceMappings,
-                currencyOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
-                interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
-                accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, minBalanceForInterestCalculation, accountingRule, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
+                accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
                 penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, preClosurePenalApplicable, preClosurePenalInterest,
                 preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType,
                 maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, isMandatoryDeposit, allowWithdrawal,
@@ -106,8 +108,9 @@ public class RecurringDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                existingProduct.accountingMappings, existingProduct.paymentChannelToFundSourceMappings, existingProduct.currencyOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, existingProduct.accountingMappings,
+                existingProduct.paymentChannelToFundSourceMappings, existingProduct.currencyOptions,
                 existingProduct.interestCompoundingPeriodTypeOptions, existingProduct.interestPostingPeriodTypeOptions,
                 existingProduct.interestCalculationTypeOptions, existingProduct.interestCalculationDaysInYearTypeOptions,
                 existingProduct.lockinPeriodFrequencyTypeOptions, existingProduct.withdrawalFeeTypeOptions,
@@ -144,11 +147,12 @@ public class RecurringDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                existingProduct.accountingMappings, existingProduct.paymentChannelToFundSourceMappings, currencyOptions,
-                interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
-                interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
-                accountingRuleOptions, accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, existingProduct.accountingMappings,
+                existingProduct.paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
+                accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions,
                 existingProduct.feeToIncomeAccountMappings, existingProduct.penaltyToIncomeAccountMappings,
                 existingProduct.interestRateCharts, chartTemplate, existingProduct.preClosurePenalApplicable,
                 existingProduct.preClosurePenalInterest, existingProduct.preClosurePenalInterestOnType,
@@ -183,8 +187,9 @@ public class RecurringDepositProductData extends DepositProductData {
                 existingProduct.description, existingProduct.currency, existingProduct.nominalAnnualInterestRate,
                 existingProduct.interestCompoundingPeriodType, existingProduct.interestPostingPeriodType,
                 existingProduct.interestCalculationType, existingProduct.interestCalculationDaysInYearType,
-                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType, existingProduct.accountingRule,
-                accountingMappings, paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                existingProduct.lockinPeriodFrequency, existingProduct.lockinPeriodFrequencyType,
+                existingProduct.minBalanceForInterestCalculation, existingProduct.accountingRule, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
@@ -233,8 +238,9 @@ public class RecurringDepositProductData extends DepositProductData {
                 depositProductData.description, depositProductData.currency, depositProductData.nominalAnnualInterestRate,
                 depositProductData.interestCompoundingPeriodType, depositProductData.interestPostingPeriodType,
                 depositProductData.interestCalculationType, depositProductData.interestCalculationDaysInYearType,
-                depositProductData.lockinPeriodFrequency, depositProductData.lockinPeriodFrequencyType, depositProductData.accountingRule,
-                accountingMappings, paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                depositProductData.lockinPeriodFrequency, depositProductData.lockinPeriodFrequencyType,
+                depositProductData.minBalanceForInterestCalculation, depositProductData.accountingRule, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
@@ -257,6 +263,7 @@ public class RecurringDepositProductData extends DepositProductData {
 
         final Integer lockinPeriodFrequency = null;
         final EnumOptionData lockinPeriodFrequencyType = null;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final EnumOptionData accountingType = null;
         final Map<String, Object> accountingMappings = null;
@@ -299,10 +306,11 @@ public class RecurringDepositProductData extends DepositProductData {
 
         return new RecurringDepositProductData(id, name, shortName, description, currency, nominalAnnualInterestRate,
                 interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, accountingType, accountingMappings, paymentChannelToFundSourceMappings,
-                currencyOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
-                interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
-                accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
+                lockinPeriodFrequency, lockinPeriodFrequencyType, minBalanceForInterestCalculation, accountingType, accountingMappings,
+                paymentChannelToFundSourceMappings, currencyOptions, interestCompoundingPeriodTypeOptions,
+                interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
+                lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
+                accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
                 penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, preClosurePenalApplicable, preClosurePenalInterest,
                 preClosurePenalInterestOnType, preClosurePenalInterestOnTypeOptions, minDepositTerm, maxDepositTerm, minDepositTermType,
                 maxDepositTermType, inMultiplesOfDepositTerm, inMultiplesOfDepositTermType, isMandatoryDeposit, allowWithdrawal,
@@ -314,18 +322,19 @@ public class RecurringDepositProductData extends DepositProductData {
         return 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.accountingRule, product.accountingMappings,
-                product.paymentChannelToFundSourceMappings, product.currencyOptions, product.interestCompoundingPeriodTypeOptions,
-                product.interestPostingPeriodTypeOptions, product.interestCalculationTypeOptions,
-                product.interestCalculationDaysInYearTypeOptions, product.lockinPeriodFrequencyTypeOptions,
-                product.withdrawalFeeTypeOptions, product.paymentTypeOptions, product.accountingRuleOptions,
-                product.accountingMappingOptions, product.charges, product.chargeOptions, product.penaltyOptions,
-                product.feeToIncomeAccountMappings, product.penaltyToIncomeAccountMappings, interestRateCharts, product.chartTemplate,
-                product.preClosurePenalApplicable, product.preClosurePenalInterest, product.preClosurePenalInterestOnType,
-                product.preClosurePenalInterestOnTypeOptions, product.minDepositTerm, product.maxDepositTerm, product.minDepositTermType,
-                product.maxDepositTermType, product.inMultiplesOfDepositTerm, product.inMultiplesOfDepositTermType,
-                product.isMandatoryDeposit, product.allowWithdrawal, product.adjustAdvanceTowardsFuturePayments,
-                product.periodFrequencyTypeOptions, product.minDepositAmount, product.depositAmount, product.maxDepositAmount);
+                product.lockinPeriodFrequencyType, product.minBalanceForInterestCalculation, product.accountingRule,
+                product.accountingMappings, product.paymentChannelToFundSourceMappings, product.currencyOptions,
+                product.interestCompoundingPeriodTypeOptions, product.interestPostingPeriodTypeOptions,
+                product.interestCalculationTypeOptions, product.interestCalculationDaysInYearTypeOptions,
+                product.lockinPeriodFrequencyTypeOptions, product.withdrawalFeeTypeOptions, product.paymentTypeOptions,
+                product.accountingRuleOptions, product.accountingMappingOptions, product.charges, product.chargeOptions,
+                product.penaltyOptions, product.feeToIncomeAccountMappings, product.penaltyToIncomeAccountMappings, interestRateCharts,
+                product.chartTemplate, product.preClosurePenalApplicable, product.preClosurePenalInterest,
+                product.preClosurePenalInterestOnType, product.preClosurePenalInterestOnTypeOptions, product.minDepositTerm,
+                product.maxDepositTerm, product.minDepositTermType, product.maxDepositTermType, product.inMultiplesOfDepositTerm,
+                product.inMultiplesOfDepositTermType, product.isMandatoryDeposit, product.allowWithdrawal,
+                product.adjustAdvanceTowardsFuturePayments, product.periodFrequencyTypeOptions, product.minDepositAmount,
+                product.depositAmount, product.maxDepositAmount);
 
     }
 
@@ -333,8 +342,8 @@ public class RecurringDepositProductData extends DepositProductData {
             final CurrencyData currency, final BigDecimal nominalAnnualInterestRate, final EnumOptionData interestCompoundingPeriodType,
             final EnumOptionData interestPostingPeriodType, final EnumOptionData interestCalculationType,
             final EnumOptionData interestCalculationDaysInYearType, final Integer lockinPeriodFrequency,
-            final EnumOptionData lockinPeriodFrequencyType, final EnumOptionData accountingType,
-            final Map<String, Object> accountingMappings,
+            final EnumOptionData lockinPeriodFrequencyType, final BigDecimal minBalanceForInterestCalculation,
+            final EnumOptionData accountingType, final Map<String, Object> accountingMappings,
             final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings,
             final Collection<CurrencyData> currencyOptions, final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions,
             final Collection<EnumOptionData> interestPostingPeriodTypeOptions,
@@ -361,7 +370,7 @@ public class RecurringDepositProductData extends DepositProductData {
                 interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions, interestCalculationTypeOptions,
                 interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions,
                 accountingRuleOptions, accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate);
+                penaltyToIncomeAccountMappings, interestRateCharts, chartTemplate, minBalanceForInterestCalculation);
 
         this.preClosurePenalApplicable = preClosurePenalApplicable;
         this.preClosurePenalInterest = preClosurePenalInterest;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/SavingsAccountData.java

@@ -49,6 +49,7 @@ public class SavingsAccountData {
     private final BigDecimal overdraftLimit;
     private final BigDecimal minRequiredBalance;
     private final boolean allowOverdraftMinBalance;
+    private final BigDecimal minBalanceForInterestCalculation;
 
     // associations
     private final SavingsAccountSummaryData summary;
@@ -82,7 +83,7 @@ public class SavingsAccountData {
             final EnumOptionData interestCalculationDaysInYearType, final BigDecimal minRequiredOpeningBalance,
             final Integer lockinPeriodFrequency, final EnumOptionData lockinPeriodFrequencyType, final boolean withdrawalFeeForTransfers,
             final SavingsAccountSummaryData summary, final boolean allowOverdraft, final BigDecimal overdraftLimit,
-            final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance) {
+            final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance, final BigDecimal minBalanceForInterestCalculation) {
 
         final Collection<SavingsProductData> productOptions = null;
         final Collection<StaffData> fieldOfficerOptions = null;
@@ -104,7 +105,7 @@ public class SavingsAccountData {
                 fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, allowOverdraft, overdraftLimit, minRequiredBalance,
-                allowOverdraftMinBalance);
+                allowOverdraftMinBalance, minBalanceForInterestCalculation);
     }
 
     public static SavingsAccountData lookup(final Long accountId, final String accountNo, final EnumOptionData depositType) {
@@ -139,6 +140,7 @@ public class SavingsAccountData {
         final BigDecimal overdraftLimit = null;
         final BigDecimal minRequiredBalance = null;
         final boolean allowOverdraftMinBalance = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
@@ -162,7 +164,7 @@ public class SavingsAccountData {
                 fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, allowOverdraft, overdraftLimit, minRequiredBalance,
-                allowOverdraftMinBalance);
+                allowOverdraftMinBalance, minBalanceForInterestCalculation);
     }
 
     public static SavingsAccountData lookupWithProductDetails(final Long accountId, final String accountNo,
@@ -195,6 +197,7 @@ public class SavingsAccountData {
         final BigDecimal overdraftLimit = null;
         final BigDecimal minRequiredBalance = null;
         final boolean allowOverdraftMinBalance = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
@@ -218,7 +221,7 @@ public class SavingsAccountData {
                 fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, allowOverdraft, overdraftLimit, minRequiredBalance,
-                allowOverdraftMinBalance);
+                allowOverdraftMinBalance, minBalanceForInterestCalculation);
     }
 
     public static SavingsAccountData withTemplateOptions(final SavingsAccountData account, final SavingsAccountData template,
@@ -250,7 +253,7 @@ public class SavingsAccountData {
                 template.interestPostingPeriodTypeOptions, template.interestCalculationTypeOptions,
                 template.interestCalculationDaysInYearTypeOptions, template.lockinPeriodFrequencyTypeOptions,
                 template.withdrawalFeeTypeOptions, charges, template.chargeOptions, account.allowOverdraft, account.overdraftLimit,
-                account.minRequiredBalance, account.allowOverdraftMinBalance);
+                account.minRequiredBalance, account.allowOverdraftMinBalance, account.minBalanceForInterestCalculation);
     }
 
     public static SavingsAccountData withTemplateOptions(final SavingsAccountData account,
@@ -272,7 +275,7 @@ public class SavingsAccountData {
                 transactions, productOptions, fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, account.allowOverdraft, account.overdraftLimit,
-                account.minRequiredBalance, account.allowOverdraftMinBalance);
+                account.minRequiredBalance, account.allowOverdraftMinBalance, account.minBalanceForInterestCalculation);
     }
 
     public static SavingsAccountData withClientTemplate(final Long clientId, final String clientName, final Long groupId,
@@ -307,6 +310,7 @@ public class SavingsAccountData {
         final BigDecimal overdraftLimit = null;
         final BigDecimal minRequiredBalance = null;
         final boolean allowOverdraftMinBalance = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final SavingsAccountSummaryData summary = null;
         final Collection<SavingsAccountTransactionData> transactions = null;
@@ -330,7 +334,7 @@ public class SavingsAccountData {
                 fieldOfficerOptions, interestCompoundingPeriodTypeOptions, interestPostingPeriodTypeOptions,
                 interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions, lockinPeriodFrequencyTypeOptions,
                 withdrawalFeeTypeOptions, charges, chargeOptions, allowOverdraft, overdraftLimit, minRequiredBalance,
-                allowOverdraftMinBalance);
+                allowOverdraftMinBalance, minBalanceForInterestCalculation);
     }
 
     private SavingsAccountData(final Long id, final String accountNo, final EnumOptionData depositType, final String externalId,
@@ -349,7 +353,8 @@ public class SavingsAccountData {
             final Collection<EnumOptionData> interestCalculationDaysInYearTypeOptions,
             final Collection<EnumOptionData> lockinPeriodFrequencyTypeOptions, final Collection<EnumOptionData> withdrawalFeeTypeOptions,
             final Collection<SavingsAccountChargeData> charges, final Collection<ChargeData> chargeOptions, final boolean allowOverdraft,
-            final BigDecimal overdraftLimit, final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance) {
+            final BigDecimal overdraftLimit, final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance,
+            final BigDecimal minBalanceForInterestCalculation) {
         this.id = id;
         this.accountNo = accountNo;
         this.depositType = depositType;
@@ -403,6 +408,7 @@ public class SavingsAccountData {
         this.overdraftLimit = overdraftLimit;
         this.minRequiredBalance = minRequiredBalance;
         this.allowOverdraftMinBalance = allowOverdraftMinBalance;
+        this.minBalanceForInterestCalculation = minBalanceForInterestCalculation;
     }
 
     private SavingsAccountChargeData getWithdrawalFee() {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/SavingsProductData.java

@@ -42,6 +42,7 @@ public class SavingsProductData {
     private final BigDecimal overdraftLimit;
     private final BigDecimal minRequiredBalance;
     private final boolean allowOverdraftMinBalance;
+    private final BigDecimal minBalanceForInterestCalculation;
 
     // accounting
     private final EnumOptionData accountingRule;
@@ -97,6 +98,7 @@ public class SavingsProductData {
         final BigDecimal overdraftLimit = null;
         final BigDecimal minRequiredBalance = null;
         final boolean allowOverdraftMinBalance = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         return new SavingsProductData(id, name, shortName, description, currency, nominalAnnualInterestRate, interestCompoundingPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
@@ -105,7 +107,8 @@ public class SavingsProductData {
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance);
+                penaltyToIncomeAccountMappings, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance,
+                minBalanceForInterestCalculation);
     }
 
     public static SavingsProductData withCharges(final SavingsProductData product, final Collection<ChargeData> charges) {
@@ -119,7 +122,7 @@ public class SavingsProductData {
                 product.lockinPeriodFrequencyTypeOptions, product.withdrawalFeeTypeOptions, product.paymentTypeOptions,
                 product.accountingRuleOptions, product.accountingMappingOptions, charges, product.chargeOptions, product.penaltyOptions,
                 product.feeToIncomeAccountMappings, product.penaltyToIncomeAccountMappings, product.allowOverdraft, product.overdraftLimit,
-                product.minRequiredBalance, product.allowOverdraftMinBalance);
+                product.minRequiredBalance, product.allowOverdraftMinBalance, product.minBalanceForInterestCalculation);
     }
 
     /**
@@ -147,7 +150,8 @@ public class SavingsProductData {
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions,
                 existingProduct.feeToIncomeAccountMappings, existingProduct.penaltyToIncomeAccountMappings, existingProduct.allowOverdraft,
-                existingProduct.overdraftLimit, existingProduct.minRequiredBalance, existingProduct.allowOverdraftMinBalance);
+                existingProduct.overdraftLimit, existingProduct.minRequiredBalance, existingProduct.allowOverdraftMinBalance,
+                existingProduct.minBalanceForInterestCalculation);
     }
 
     public static SavingsProductData withAccountingDetails(final SavingsProductData existingProduct,
@@ -180,7 +184,8 @@ public class SavingsProductData {
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, existingProduct.charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
                 penaltyToIncomeAccountMappings, existingProduct.allowOverdraft, existingProduct.overdraftLimit,
-                existingProduct.minRequiredBalance, existingProduct.allowOverdraftMinBalance);
+                existingProduct.minRequiredBalance, existingProduct.allowOverdraftMinBalance,
+                existingProduct.minBalanceForInterestCalculation);
     }
 
     public static SavingsProductData instance(final Long id, final String name, final String shortName, final String description,
@@ -189,7 +194,7 @@ public class SavingsProductData {
             final EnumOptionData interestCalculationDaysInYearType, final BigDecimal minRequiredOpeningBalance,
             final Integer lockinPeriodFrequency, final EnumOptionData lockinPeriodFrequencyType, final boolean withdrawalFeeForTransfers,
             final EnumOptionData accountingType, final boolean allowOverdraft, final BigDecimal overdraftLimit,
-            final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance) {
+            final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance, final BigDecimal minBalanceForInterestCalculation) {
 
         final Map<String, Object> accountingMappings = null;
         final Collection<PaymentTypeToGLAccountMapper> paymentChannelToFundSourceMappings = null;
@@ -217,7 +222,8 @@ public class SavingsProductData {
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance);
+                penaltyToIncomeAccountMappings, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance,
+                minBalanceForInterestCalculation);
     }
 
     public static SavingsProductData lookup(final Long id, final String name) {
@@ -241,6 +247,7 @@ public class SavingsProductData {
         final BigDecimal overdraftLimit = null;
         final BigDecimal minRequiredBalance = null;
         final boolean allowOverdraftMinBalance = false;
+        final BigDecimal minBalanceForInterestCalculation = null;
 
         final Collection<CurrencyData> currencyOptions = null;
         final Collection<EnumOptionData> interestCompoundingPeriodTypeOptions = null;
@@ -265,7 +272,8 @@ public class SavingsProductData {
                 interestPostingPeriodTypeOptions, interestCalculationTypeOptions, interestCalculationDaysInYearTypeOptions,
                 lockinPeriodFrequencyTypeOptions, withdrawalFeeTypeOptions, paymentTypeOptions, accountingRuleOptions,
                 accountingMappingOptions, charges, chargeOptions, penaltyOptions, feeToIncomeAccountMappings,
-                penaltyToIncomeAccountMappings, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance);
+                penaltyToIncomeAccountMappings, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance,
+                minBalanceForInterestCalculation);
     }
 
     private SavingsProductData(final Long id, final String name, final String shortName, final String description,
@@ -285,7 +293,8 @@ public class SavingsProductData {
             final Collection<ChargeData> chargeOptions, final Collection<ChargeData> penaltyOptions,
             final Collection<ChargeToGLAccountMapper> feeToIncomeAccountMappings,
             final Collection<ChargeToGLAccountMapper> penaltyToIncomeAccountMappings, final boolean allowOverdraft,
-            final BigDecimal overdraftLimit, final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance) {
+            final BigDecimal overdraftLimit, final BigDecimal minRequiredBalance, final boolean allowOverdraftMinBalance,
+            final BigDecimal minBalanceForInterestCalculation) {
         this.id = id;
         this.name = name;
         this.shortName = shortName;
@@ -332,6 +341,7 @@ public class SavingsProductData {
         this.overdraftLimit = overdraftLimit;
         this.minRequiredBalance = minRequiredBalance;
         this.allowOverdraftMinBalance = allowOverdraftMinBalance;
+        this.minBalanceForInterestCalculation = minBalanceForInterestCalculation;
     }
 
     public boolean hasAccountingEnabled() {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/SavingsProductDataValidator.java

@@ -8,11 +8,11 @@ package org.mifosplatform.portfolio.savings.data;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.SAVINGS_PRODUCT_REQUEST_DATA_PARAMETERS;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.SAVINGS_PRODUCT_RESOURCE_NAME;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.feeAmountParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.feeOnMonthDayParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.currencyCodeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.descriptionParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.digitsAfterDecimalParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.feeAmountParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.feeOnMonthDayParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.inMultiplesOfParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestCalculationDaysInYearTypeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestCalculationTypeParamName;
@@ -20,12 +20,13 @@ import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestCo
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestPostingPeriodTypeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyTypeParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minBalanceForInterestCalculationParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredOpeningBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nameParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.overdraftLimitParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.withdrawalFeeForTransfersParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.shortNameParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.withdrawalFeeForTransfersParamName;
 
 import java.lang.reflect.Type;
 import java.math.BigDecimal;
@@ -272,6 +273,13 @@ public class SavingsProductDataValidator {
 
         validateOverdraftParams(baseDataValidator, element);
 
+        if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
+            final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(
+                    minBalanceForInterestCalculationParamName, element);
+            baseDataValidator.reset().parameter(minBalanceForInterestCalculationParamName).value(minBalanceForInterestCalculation)
+                    .ignoreIfNull().zeroOrPositiveAmount();
+        }
+
         throwExceptionIfValidationWarningsExist(dataValidationErrors);
     }
 
@@ -430,6 +438,13 @@ public class SavingsProductDataValidator {
         validateChargeToIncomeAccountMappings(baseDataValidator, element);
         validateOverdraftParams(baseDataValidator, element);
 
+        if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
+            final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(
+                    minBalanceForInterestCalculationParamName, element);
+            baseDataValidator.reset().parameter(minBalanceForInterestCalculationParamName).value(minBalanceForInterestCalculation)
+                    .ignoreIfNull().zeroOrPositiveAmount();
+        }
+
         throwExceptionIfValidationWarningsExist(dataValidationErrors);
     }
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/DepositProductAssembler.java

@@ -33,6 +33,7 @@ import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestCo
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestPostingPeriodTypeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyTypeParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minBalanceForInterestCalculationParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nameParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.shortNameParamName;
@@ -119,6 +120,9 @@ public class DepositProductAssembler {
             lockinPeriodFrequencyType = SavingsPeriodFrequencyType.fromInt(lockinPeriodFrequencyTypeValue);
         }
 
+        final BigDecimal minBalanceForInterestCalculation = command
+                .bigDecimalValueOfParameterNamedDefaultToNullIfZero(minBalanceForInterestCalculationParamName);
+
         final AccountingRuleType accountingRuleType = AccountingRuleType.fromInt(command.integerValueOfParameterNamed("accountingRule"));
 
         final DepositPreClosureDetail preClosureDetail = this.assemblePreClosureDetail(command);
@@ -136,7 +140,8 @@ public class DepositProductAssembler {
         }
         FixedDepositProduct fixedDepositProduct = FixedDepositProduct.createNew(name, shortName, description, currency, interestRate,
                 interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
-                lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRuleType, charges, productTermAndPreClosure, charts);
+                lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRuleType, charges, productTermAndPreClosure, charts,
+                minBalanceForInterestCalculation);
 
         // update product reference
         productTermAndPreClosure.updateProductReference(fixedDepositProduct);
@@ -191,6 +196,9 @@ public class DepositProductAssembler {
             lockinPeriodFrequencyType = SavingsPeriodFrequencyType.fromInt(lockinPeriodFrequencyTypeValue);
         }
 
+        final BigDecimal minBalanceForInterestCalculation = command
+                .bigDecimalValueOfParameterNamedDefaultToNullIfZero(minBalanceForInterestCalculationParamName);
+
         final AccountingRuleType accountingRuleType = AccountingRuleType.fromInt(command.integerValueOfParameterNamed("accountingRule"));
 
         final DepositPreClosureDetail preClosureDetail = this.assemblePreClosureDetail(command);
@@ -213,7 +221,7 @@ public class DepositProductAssembler {
         RecurringDepositProduct recurringDepositProduct = RecurringDepositProduct.createNew(name, shortName, description, currency,
                 interestRate, interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType,
                 interestCalculationDaysInYearType, lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRuleType, charges,
-                productTermAndPreClosure, productRecurringDetail, charts);
+                productTermAndPreClosure, productRecurringDetail, charts, minBalanceForInterestCalculation);
 
         // update product reference
         productTermAndPreClosure.updateProductReference(recurringDepositProduct);
@@ -314,25 +322,25 @@ public class DepositProductAssembler {
 
         if (command.parameterExists(minDepositTermParamName)) {
             minDepositTerm = command.integerValueOfParameterNamed(minDepositTermParamName);
-        } else if(prodDepositTermDetail != null){
+        } else if (prodDepositTermDetail != null) {
             minDepositTerm = prodDepositTermDetail.minDepositTerm();
         }
 
         if (command.parameterExists(maxDepositTermParamName)) {
             maxDepositTerm = command.integerValueOfParameterNamed(maxDepositTermParamName);
-        } else if(prodDepositTermDetail != null){
+        } else if (prodDepositTermDetail != null) {
             maxDepositTerm = prodDepositTermDetail.maxDepositTerm();
         }
 
         if (command.parameterExists(minDepositTermTypeIdParamName)) {
             minDepositTermTypeId = command.integerValueOfParameterNamed(minDepositTermTypeIdParamName);
-        } else if(prodDepositTermDetail != null){
+        } else if (prodDepositTermDetail != null) {
             minDepositTermTypeId = prodDepositTermDetail.minDepositTermType();
         }
 
         if (command.parameterExists(maxDepositTermTypeIdParamName)) {
             maxDepositTermTypeId = command.integerValueOfParameterNamed(maxDepositTermTypeIdParamName);
-        } else if(prodDepositTermDetail != null){
+        } else if (prodDepositTermDetail != null) {
             maxDepositTermTypeId = prodDepositTermDetail.maxDepositTermType();
         }
 
@@ -344,13 +352,13 @@ public class DepositProductAssembler {
 
         if (command.parameterExists(inMultiplesOfDepositTermParamName)) {
             inMultiplesOfDepositTerm = command.integerValueOfParameterNamed(inMultiplesOfDepositTermParamName);
-        } else if(prodDepositTermDetail != null){
+        } else if (prodDepositTermDetail != null) {
             inMultiplesOfDepositTerm = prodDepositTermDetail.inMultiplesOfDepositTerm();
         }
 
         if (command.parameterExists(preClosurePenalApplicableParamName)) {
             inMultiplesOfDepositTermTypeId = command.integerValueOfParameterNamed(inMultiplesOfDepositTermTypeIdParamName);
-        } else if(prodDepositTermDetail != null){
+        } else if (prodDepositTermDetail != null) {
             inMultiplesOfDepositTermTypeId = prodDepositTermDetail.inMultiplesOfDepositTermType();
         }
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/FixedDepositAccount.java

@@ -279,11 +279,12 @@ public class FixedDepositAccount extends SavingsAccount {
         final BigDecimal interestRateAsFraction = getEffectiveInterestRateAsFraction(mc, maturityDate, isPreMatureClosure);
         final Collection<Long> interestPostTransactions = this.savingsHelper.fetchPostInterestTransactionIds(getId());
         boolean isInterestTransfer = false;
+        final Money minBalanceForInterestCalculation = Money.of(getCurrency(), minBalanceForInterestCalculation());
         for (final LocalDateInterval periodInterval : postingPeriodIntervals) {
 
             final PostingPeriod postingPeriod = PostingPeriod.createFrom(periodInterval, periodStartingBalance, transactions,
                     this.currency, compoundingPeriodType, interestCalculationType, interestRateAsFraction, daysInYearType.getValue(),
-                    maturityDate, interestPostTransactions, isInterestTransfer);
+                    maturityDate, interestPostTransactions, isInterestTransfer, minBalanceForInterestCalculation);
 
             periodStartingBalance = postingPeriod.closingBalance();
 
@@ -767,4 +768,9 @@ public class FixedDepositAccount extends SavingsAccount {
     private boolean isAccountMatured() {
         return SavingsAccountStatusType.fromInt(status).isMatured();
     }
+
+    @Override
+    public BigDecimal minBalanceForInterestCalculation() {
+        return null;
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/FixedDepositProduct.java

@@ -75,7 +75,7 @@ public class FixedDepositProduct extends SavingsProduct {
             final SavingsPostingInterestPeriodType interestPostingPeriodType, final SavingsInterestCalculationType interestCalculationType,
             final SavingsInterestCalculationDaysInYearType interestCalculationDaysInYearType, final Integer lockinPeriodFrequency,
             final SavingsPeriodFrequencyType lockinPeriodFrequencyType, final AccountingRuleType accountingRuleType,
-            final Set<Charge> charges, final DepositProductTermAndPreClosure productTermAndPreClosure, final Set<InterestRateChart> charts) {
+            final Set<Charge> charges, final DepositProductTermAndPreClosure productTermAndPreClosure, final Set<InterestRateChart> charts, BigDecimal minBalanceForInterestCalculation) {
 
         final BigDecimal minRequiredOpeningBalance = null;
         final boolean withdrawalFeeApplicableForTransfer = false;
@@ -85,7 +85,7 @@ public class FixedDepositProduct extends SavingsProduct {
         return new FixedDepositProduct(name, shortName, description, currency, interestRate, interestCompoundingPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
                 lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges,
-                productTermAndPreClosure, charts, allowOverdraft, overdraftLimit);
+                productTermAndPreClosure, charts, allowOverdraft, overdraftLimit, minBalanceForInterestCalculation);
     }
 
     protected FixedDepositProduct(final String name, final String shortName, final String description, final MonetaryCurrency currency,
@@ -95,12 +95,12 @@ public class FixedDepositProduct extends SavingsProduct {
             final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
             final boolean withdrawalFeeApplicableForTransfer, final AccountingRuleType accountingRuleType, final Set<Charge> charges,
             final DepositProductTermAndPreClosure productTermAndPreClosure, final Set<InterestRateChart> charts,
-            final boolean allowOverdraft, final BigDecimal overdraftLimit) {
+            final boolean allowOverdraft, final BigDecimal overdraftLimit, final BigDecimal minBalanceForInterestCalculation) {
 
         super(name, shortName, description, currency, interestRate, interestCompoundingPeriodType, interestPostingPeriodType,
                 interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance, lockinPeriodFrequency,
-                lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges, allowOverdraft,
-                overdraftLimit);
+                lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges, allowOverdraft, overdraftLimit,
+                minBalanceForInterestCalculation);
 
         if (charts != null) {
             this.charts = charts;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/RecurringDepositAccount.java

@@ -294,10 +294,11 @@ public class RecurringDepositAccount extends SavingsAccount {
         final BigDecimal interestRateAsFraction = getEffectiveInterestRateAsFraction(mc, maturityDate, isPreMatureClosure);
         final Collection<Long> interestPostTransactions = this.savingsHelper.fetchPostInterestTransactionIds(getId());
         boolean isInterestTransfer = false;
+        final Money minBalanceForInterestCalculation = Money.of(getCurrency(), minBalanceForInterestCalculation());
         for (final LocalDateInterval periodInterval : postingPeriodIntervals) {
             final PostingPeriod postingPeriod = PostingPeriod.createFrom(periodInterval, periodStartingBalance, transactions,
                     this.currency, compoundingPeriodType, interestCalculationType, interestRateAsFraction, daysInYearType.getValue(),
-                    maturityDate, interestPostTransactions, isInterestTransfer);
+                    maturityDate, interestPostTransactions, isInterestTransfer, minBalanceForInterestCalculation);
 
             periodStartingBalance = postingPeriod.closingBalance();
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/RecurringDepositProduct.java

@@ -53,7 +53,8 @@ public class RecurringDepositProduct extends FixedDepositProduct {
             final SavingsInterestCalculationDaysInYearType interestCalculationDaysInYearType, final Integer lockinPeriodFrequency,
             final SavingsPeriodFrequencyType lockinPeriodFrequencyType, final AccountingRuleType accountingRuleType,
             final Set<Charge> charges, final DepositProductTermAndPreClosure productTermAndPreClosure,
-            final DepositProductRecurringDetail recurringDetail, final Set<InterestRateChart> charts) {
+            final DepositProductRecurringDetail recurringDetail, final Set<InterestRateChart> charts,
+            BigDecimal minBalanceForInterestCalculation) {
 
         final BigDecimal minRequiredOpeningBalance = null;
         final boolean withdrawalFeeApplicableForTransfer = false;
@@ -63,7 +64,7 @@ public class RecurringDepositProduct extends FixedDepositProduct {
         return new RecurringDepositProduct(name, shortName, description, currency, interestRate, interestCompoundingPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
                 lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges,
-                productTermAndPreClosure, recurringDetail, charts, allowOverdraft, overdraftLimit);
+                productTermAndPreClosure, recurringDetail, charts, allowOverdraft, overdraftLimit, minBalanceForInterestCalculation);
     }
 
     protected RecurringDepositProduct(final String name, final String shortName, final String description, final MonetaryCurrency currency,
@@ -73,12 +74,13 @@ public class RecurringDepositProduct extends FixedDepositProduct {
             final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
             final boolean withdrawalFeeApplicableForTransfer, final AccountingRuleType accountingRuleType, final Set<Charge> charges,
             final DepositProductTermAndPreClosure productTermAndPreClosure, final DepositProductRecurringDetail recurringDetail,
-            final Set<InterestRateChart> charts, final boolean allowOverdraft, final BigDecimal overdraftLimit) {
+            final Set<InterestRateChart> charts, final boolean allowOverdraft, final BigDecimal overdraftLimit,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         super(name, shortName, description, currency, interestRate, interestCompoundingPeriodType, interestPostingPeriodType,
                 interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance, lockinPeriodFrequency,
                 lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges, productTermAndPreClosure,
-                charts, allowOverdraft, overdraftLimit);
+                charts, allowOverdraft, overdraftLimit, minBalanceForInterestCalculation);
 
         this.recurringDetail = recurringDetail;
     }
@@ -147,7 +149,7 @@ public class RecurringDepositProduct extends FixedDepositProduct {
             baseDataValidator.reset().parameter(DepositsApiConstants.nominalAnnualInterestRateParamName).value(nominalAnnualInterestRate)
                     .failWithCodeNoParameterAddedToErrorCode("interest.chart.or.nominal.interest.rate.required");
         }
-        
+
         this.validateInterestPostingAndCompoundingPeriodTypes(baseDataValidator);
     }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsAccount.java

@@ -6,15 +6,15 @@
 package org.mifosplatform.portfolio.savings.domain;
 
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.SAVINGS_ACCOUNT_RESOURCE_NAME;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftMinBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.dueAsOfDateParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.localeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyTypeParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.overdraftLimitParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.withdrawalFeeForTransfersParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredBalanceParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftMinBalanceParamName;
 
 import java.math.BigDecimal;
 import java.math.MathContext;
@@ -269,6 +269,9 @@ public class SavingsAccount extends AbstractPersistable<Long> {
     @Column(name = "deposit_type_enum", insertable = false, updatable = false)
     private Integer depositType;
 
+    @Column(name = "min_balance_for_interest_calculation", scale = 6, precision = 19, nullable = true)
+    private BigDecimal minBalanceForInterestCalculation;
+
     protected SavingsAccount() {
         //
     }
@@ -293,16 +296,16 @@ public class SavingsAccount extends AbstractPersistable<Long> {
     }
 
     protected SavingsAccount(final Client client, final Group group, final SavingsProduct product, final Staff fieldOfficer,
-                             final String accountNo, final String externalId, final SavingsAccountStatusType status, final AccountType accountType,
-                             final LocalDate submittedOnDate, final AppUser submittedBy, final BigDecimal nominalAnnualInterestRate,
-                             final SavingsCompoundingInterestPeriodType interestCompoundingPeriodType,
-                             final SavingsPostingInterestPeriodType interestPostingPeriodType, final SavingsInterestCalculationType interestCalculationType,
-                             final SavingsInterestCalculationDaysInYearType interestCalculationDaysInYearType, final BigDecimal minRequiredOpeningBalance,
-                             final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
-                             final boolean withdrawalFeeApplicableForTransfer, final Set<SavingsAccountCharge> savingsAccountCharges,
-                             final boolean allowOverdraft, final BigDecimal overdraftLimit) {
-        this(client, group, product, fieldOfficer, accountNo, externalId, status, accountType, submittedOnDate,
-                submittedBy, nominalAnnualInterestRate, interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType,
+            final String accountNo, final String externalId, final SavingsAccountStatusType status, final AccountType accountType,
+            final LocalDate submittedOnDate, final AppUser submittedBy, final BigDecimal nominalAnnualInterestRate,
+            final SavingsCompoundingInterestPeriodType interestCompoundingPeriodType,
+            final SavingsPostingInterestPeriodType interestPostingPeriodType, final SavingsInterestCalculationType interestCalculationType,
+            final SavingsInterestCalculationDaysInYearType interestCalculationDaysInYearType, final BigDecimal minRequiredOpeningBalance,
+            final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
+            final boolean withdrawalFeeApplicableForTransfer, final Set<SavingsAccountCharge> savingsAccountCharges,
+            final boolean allowOverdraft, final BigDecimal overdraftLimit) {
+        this(client, group, product, fieldOfficer, accountNo, externalId, status, accountType, submittedOnDate, submittedBy,
+                nominalAnnualInterestRate, interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType,
                 interestCalculationDaysInYearType, minRequiredOpeningBalance, lockinPeriodFrequency, lockinPeriodFrequencyType,
                 withdrawalFeeApplicableForTransfer, savingsAccountCharges, allowOverdraft, overdraftLimit, false, null);
     }
@@ -356,6 +359,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
 
         this.allowOverdraftMinBalance = allowOverdraftMinBalance;
         this.minRequiredBalance = minRequiredBalance;
+        this.minBalanceForInterestCalculation = product.minBalanceForInterestCalculation();
     }
 
     /**
@@ -516,12 +520,14 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         final SavingsInterestCalculationType interestCalculationType = SavingsInterestCalculationType.fromInt(this.interestCalculationType);
         final BigDecimal interestRateAsFraction = getEffectiveInterestRateAsFraction(mc, upToInterestCalculationDate);
         final Collection<Long> interestPostTransactions = this.savingsHelper.fetchPostInterestTransactionIds(getId());
+        final Money minBalanceForInterestCalculation = Money.of(getCurrency(), minBalanceForInterestCalculation());
+        
         for (final LocalDateInterval periodInterval : postingPeriodIntervals) {
 
             final PostingPeriod postingPeriod = PostingPeriod.createFrom(periodInterval, periodStartingBalance,
                     retreiveOrderedNonInterestPostingTransactions(), this.currency, compoundingPeriodType, interestCalculationType,
                     interestRateAsFraction, daysInYearType.getValue(), upToInterestCalculationDate, interestPostTransactions,
-                    isInterestTransfer);
+                    isInterestTransfer,minBalanceForInterestCalculation);
 
             periodStartingBalance = postingPeriod.closingBalance();
 
@@ -796,12 +802,11 @@ public class SavingsAccount extends AbstractPersistable<Long> {
             }
 
             final BigDecimal withdrawalFee = null;
-            // deal with potential minRequiredBalance and allowOverdraftMinBalance
+            // deal with potential minRequiredBalance and
+            // allowOverdraftMinBalance
             if (this.minRequiredBalance != null && !this.allowOverdraftMinBalance) {
-                if (runningBalance.minus(this.minRequiredBalance).isLessThanZero()) {
-                    throw new InsufficientAccountBalanceException("transactionAmount",
-                            getAccountBalance(), withdrawalFee, transactionAmount);
-                }
+                if (runningBalance.minus(this.minRequiredBalance).isLessThanZero()) { throw new InsufficientAccountBalanceException(
+                        "transactionAmount", getAccountBalance(), withdrawalFee, transactionAmount); }
             }
 
             if (runningBalance.isLessThanZero()) {
@@ -1139,6 +1144,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
 
     public void update(final SavingsProduct product) {
         this.product = product;
+        this.minBalanceForInterestCalculation = product.minBalanceForInterestCalculation();
     }
 
     public void update(final Staff fieldOfficer) {
@@ -2176,4 +2182,8 @@ public class SavingsAccount extends AbstractPersistable<Long> {
     public boolean isTransactionsAllowed() {
         return isActive();
     }
+
+    public BigDecimal minBalanceForInterestCalculation() {
+        return this.minBalanceForInterestCalculation;
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsProduct.java

@@ -21,6 +21,7 @@ import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestPo
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.localeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyTypeParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minBalanceForInterestCalculationParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredOpeningBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nameParamName;
@@ -155,6 +156,9 @@ public class SavingsProduct extends AbstractPersistable<Long> {
     @Column(name = "min_required_balance", scale = 6, precision = 19, nullable = true)
     private BigDecimal minRequiredBalance;
 
+    @Column(name = "min_balance_for_interest_calculation", scale = 6, precision = 19, nullable = true)
+    private BigDecimal minBalanceForInterestCalculation;
+
     public static SavingsProduct createNew(final String name, final String shortName, final String description,
             final MonetaryCurrency currency, final BigDecimal interestRate,
             final SavingsCompoundingInterestPeriodType interestCompoundingPeriodType,
@@ -163,12 +167,12 @@ public class SavingsProduct extends AbstractPersistable<Long> {
             final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
             final boolean withdrawalFeeApplicableForTransfer, final AccountingRuleType accountingRuleType, final Set<Charge> charges,
             final boolean allowOverdraft, final BigDecimal overdraftLimit, final boolean allowOverdraftMinBalance,
-            final BigDecimal minRequiredBalance) {
+            final BigDecimal minRequiredBalance, final BigDecimal minBalanceForInterestCalculation) {
 
         return new SavingsProduct(name, shortName, description, currency, interestRate, interestCompoundingPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
                 lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges,
-                allowOverdraft, overdraftLimit, allowOverdraftMinBalance, minRequiredBalance);
+                allowOverdraft, overdraftLimit, allowOverdraftMinBalance, minRequiredBalance, minBalanceForInterestCalculation);
     }
 
     protected SavingsProduct() {
@@ -182,11 +186,11 @@ public class SavingsProduct extends AbstractPersistable<Long> {
             final SavingsInterestCalculationDaysInYearType interestCalculationDaysInYearType, final BigDecimal minRequiredOpeningBalance,
             final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
             final boolean withdrawalFeeApplicableForTransfer, final AccountingRuleType accountingRuleType, final Set<Charge> charges,
-            final boolean allowOverdraft, final BigDecimal overdraftLimit) {
+            final boolean allowOverdraft, final BigDecimal overdraftLimit, BigDecimal minBalanceForInterestCalculation) {
         this(name, shortName, description, currency, interestRate, interestCompoundingPeriodType, interestPostingPeriodType,
                 interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance, lockinPeriodFrequency,
                 lockinPeriodFrequencyType, withdrawalFeeApplicableForTransfer, accountingRuleType, charges, allowOverdraft, overdraftLimit,
-                false, null);
+                false, null, minBalanceForInterestCalculation);
     }
 
     protected SavingsProduct(final String name, final String shortName, final String description, final MonetaryCurrency currency,
@@ -196,7 +200,7 @@ public class SavingsProduct extends AbstractPersistable<Long> {
             final Integer lockinPeriodFrequency, final SavingsPeriodFrequencyType lockinPeriodFrequencyType,
             final boolean withdrawalFeeApplicableForTransfer, final AccountingRuleType accountingRuleType, final Set<Charge> charges,
             final boolean allowOverdraft, final BigDecimal overdraftLimit, final boolean allowOverdraftMinBalance,
-            final BigDecimal minRequiredBalance) {
+            final BigDecimal minRequiredBalance, BigDecimal minBalanceForInterestCalculation) {
 
         this.name = name;
         this.shortName = shortName;
@@ -234,6 +238,7 @@ public class SavingsProduct extends AbstractPersistable<Long> {
 
         this.allowOverdraftMinBalance = allowOverdraftMinBalance;
         this.minRequiredBalance = minRequiredBalance;
+        this.minBalanceForInterestCalculation = minBalanceForInterestCalculation;
     }
 
     public MonetaryCurrency currency() {
@@ -433,6 +438,15 @@ public class SavingsProduct extends AbstractPersistable<Long> {
             this.minRequiredBalance = newValue;
         }
 
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(minBalanceForInterestCalculationParamName,
+                this.minBalanceForInterestCalculation)) {
+            final BigDecimal newValue = command
+                    .bigDecimalValueOfParameterNamedDefaultToNullIfZero(minBalanceForInterestCalculationParamName);
+            actualChanges.put(minBalanceForInterestCalculationParamName, newValue);
+            actualChanges.put(localeParamName, localeAsInput);
+            this.minBalanceForInterestCalculation = newValue;
+        }
+
         if (!this.allowOverdraftMinBalance) {
             this.minRequiredBalance = null;
         }
@@ -539,4 +553,8 @@ public class SavingsProduct extends AbstractPersistable<Long> {
         return null;
     }
 
+    public BigDecimal minBalanceForInterestCalculation() {
+        return this.minBalanceForInterestCalculation;
+    }
+
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsProductAssembler.java

@@ -5,6 +5,8 @@
  */
 package org.mifosplatform.portfolio.savings.domain;
 
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftMinBalanceParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.chargesParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.currencyCodeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.descriptionParamName;
@@ -17,15 +19,14 @@ import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestCo
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.interestPostingPeriodTypeParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.lockinPeriodFrequencyTypeParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minBalanceForInterestCalculationParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredOpeningBalanceParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nameParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.withdrawalFeeForTransfersParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.shortNameParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftParamName;
 import static org.mifosplatform.portfolio.savings.SavingsApiConstants.overdraftLimitParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.minRequiredBalanceParamName;
-import static org.mifosplatform.portfolio.savings.SavingsApiConstants.allowOverdraftMinBalanceParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.shortNameParamName;
+import static org.mifosplatform.portfolio.savings.SavingsApiConstants.withdrawalFeeForTransfersParamName;
 
 import java.math.BigDecimal;
 import java.util.HashSet;
@@ -130,11 +131,13 @@ public class SavingsProductAssembler {
         }
 
         final BigDecimal minRequiredBalance = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(minRequiredBalanceParamName);
+        final BigDecimal minBalanceForInterestCalculation = command
+                .bigDecimalValueOfParameterNamedDefaultToNullIfZero(minBalanceForInterestCalculationParamName);
 
         return SavingsProduct.createNew(name, shortName, description, currency, interestRate, interestCompoundingPeriodType,
                 interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
                 lockinPeriodFrequency, lockinPeriodFrequencyType, iswithdrawalFeeApplicableForTransfer, accountingRuleType, charges,
-                allowOverdraft, overdraftLimit, allowOverdraftMinBalance, minRequiredBalance);
+                allowOverdraft, overdraftLimit, allowOverdraftMinBalance, minRequiredBalance, minBalanceForInterestCalculation);
     }
 
     public Set<Charge> assembleListOfSavingsProductCharges(final JsonCommand command, final String savingsProductCurrencyCode) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/AnnualCompoundingPeriod.java

@@ -26,34 +26,21 @@ public class AnnualCompoundingPeriod implements CompoundingPeriod {
         return new AnnualCompoundingPeriod(periodInterval, endOfDayBalancesWithinPeriod);
     }
 
-    @Override
-    public BigDecimal calculateInterest(final BigDecimal interestRateAsFraction, final long daysInYear) {
-
-        BigDecimal interestEarned = BigDecimal.ZERO;
-
-        for (final EndOfDayBalance balance : this.endOfDayBalances) {
-            final BigDecimal interestOnBalanceUnrounded = balance.calculateInterestOnBalance(BigDecimal.ZERO, interestRateAsFraction,
-                    daysInYear);
-            interestEarned = interestEarned.add(interestOnBalanceUnrounded);
-        }
-
-        return interestEarned;
-    }
-
     @Override
     public BigDecimal calculateInterest(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
             final SavingsInterestCalculationType interestCalculationType, final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
 
         switch (interestCalculationType) {
             case DAILY_BALANCE:
                 interestEarned = calculateUsingDailyBalanceMethod(compoundingInterestPeriodType, interestToCompound,
-                        interestRateAsFraction, daysInYear);
+                        interestRateAsFraction, daysInYear, minBalanceForInterestCalculation);
             break;
             case AVERAGE_DAILY_BALANCE:
-                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear);
+                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear,
+                        minBalanceForInterestCalculation);
             break;
             case INVALID:
             break;
@@ -63,7 +50,7 @@ public class AnnualCompoundingPeriod implements CompoundingPeriod {
     }
 
     private BigDecimal calculateUsingAverageDailyBalanceMethod(final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal cumulativeBalance = BigDecimal.ZERO;
         Integer numberOfDays = Integer.valueOf(0);
@@ -84,15 +71,18 @@ public class AnnualCompoundingPeriod implements CompoundingPeriod {
             final BigDecimal multiplicand = BigDecimal.ONE.divide(BigDecimal.valueOf(daysInYear), MathContext.DECIMAL64);
             final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
             final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(numberOfDays), MathContext.DECIMAL64);
-
-            interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9, RoundingMode.HALF_EVEN);
+            if (averageDailyBalance.compareTo(minBalanceForInterestCalculation) >= 0) {
+                interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9,
+                        RoundingMode.HALF_EVEN);
+            }
         }
 
         return interestEarned;
     }
 
     private BigDecimal calculateUsingDailyBalanceMethod(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
-            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
         BigDecimal interestOnBalanceUnrounded = BigDecimal.ZERO;
@@ -101,23 +91,27 @@ public class AnnualCompoundingPeriod implements CompoundingPeriod {
             switch (compoundingInterestPeriodType) {
                 case DAILY:
                     interestOnBalanceUnrounded = balance.calculateInterestOnBalanceAndInterest(interestToCompound, interestRateAsFraction,
-                            daysInYear);
+                            daysInYear, minBalanceForInterestCalculation);
                 break;
                 case MONTHLY:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 case QUATERLY:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 // case WEEKLY:
                 // break;
                 // case BIWEEKLY:
                 // break;
                 case BI_ANNUAL:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 case ANNUAL:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 // case NO_COMPOUNDING_SIMPLE_INTEREST:
                 // break;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/BiAnnualCompoundingPeriod.java

@@ -26,34 +26,21 @@ public class BiAnnualCompoundingPeriod implements CompoundingPeriod {
         return new BiAnnualCompoundingPeriod(periodInterval, endOfDayBalancesWithinPeriod);
     }
 
-    @Override
-    public BigDecimal calculateInterest(final BigDecimal interestRateAsFraction, final long daysInYear) {
-
-        BigDecimal interestEarned = BigDecimal.ZERO;
-
-        for (final EndOfDayBalance balance : this.endOfDayBalances) {
-            final BigDecimal interestOnBalanceUnrounded = balance.calculateInterestOnBalance(BigDecimal.ZERO, interestRateAsFraction,
-                    daysInYear);
-            interestEarned = interestEarned.add(interestOnBalanceUnrounded);
-        }
-
-        return interestEarned;
-    }
-
     @Override
     public BigDecimal calculateInterest(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
             final SavingsInterestCalculationType interestCalculationType, final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
 
         switch (interestCalculationType) {
             case DAILY_BALANCE:
                 interestEarned = calculateUsingDailyBalanceMethod(compoundingInterestPeriodType, interestToCompound,
-                        interestRateAsFraction, daysInYear);
+                        interestRateAsFraction, daysInYear, minBalanceForInterestCalculation);
             break;
             case AVERAGE_DAILY_BALANCE:
-                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear);
+                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear,
+                        minBalanceForInterestCalculation);
             break;
             case INVALID:
             break;
@@ -63,7 +50,7 @@ public class BiAnnualCompoundingPeriod implements CompoundingPeriod {
     }
 
     private BigDecimal calculateUsingAverageDailyBalanceMethod(final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal cumulativeBalance = BigDecimal.ZERO;
         Integer numberOfDays = Integer.valueOf(0);
@@ -84,15 +71,18 @@ public class BiAnnualCompoundingPeriod implements CompoundingPeriod {
             final BigDecimal multiplicand = BigDecimal.ONE.divide(BigDecimal.valueOf(daysInYear), MathContext.DECIMAL64);
             final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
             final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(numberOfDays), MathContext.DECIMAL64);
-
-            interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9, RoundingMode.HALF_EVEN);
+            if (averageDailyBalance.compareTo(minBalanceForInterestCalculation) >= 0) {
+                interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9,
+                        RoundingMode.HALF_EVEN);
+            }
         }
 
         return interestEarned;
     }
 
     private BigDecimal calculateUsingDailyBalanceMethod(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
-            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
         BigDecimal interestOnBalanceUnrounded = BigDecimal.ZERO;
@@ -101,23 +91,27 @@ public class BiAnnualCompoundingPeriod implements CompoundingPeriod {
             switch (compoundingInterestPeriodType) {
                 case DAILY:
                     interestOnBalanceUnrounded = balance.calculateInterestOnBalanceAndInterest(interestToCompound, interestRateAsFraction,
-                            daysInYear);
+                            daysInYear, minBalanceForInterestCalculation);
                 break;
                 case MONTHLY:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 case QUATERLY:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 // case WEEKLY:
                 // break;
                 // case BIWEEKLY:
                 // break;
                 case BI_ANNUAL:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 case ANNUAL:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 // case NO_COMPOUNDING_SIMPLE_INTEREST:
                 // break;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/CompoundingPeriod.java

@@ -7,9 +7,7 @@ import org.mifosplatform.portfolio.savings.SavingsInterestCalculationType;
 
 public interface CompoundingPeriod {
 
-    BigDecimal calculateInterest(BigDecimal interestRateAsFraction, long daysInYear);
-
     BigDecimal calculateInterest(SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
             SavingsInterestCalculationType interestCalculationType, BigDecimal interestFromPreviousPostingPeriod,
-            BigDecimal interestRateAsFraction, long daysInYear);
+            BigDecimal interestRateAsFraction, long daysInYear, BigDecimal minBalanceForInterestCalculation);
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/DailyCompoundingPeriod.java

@@ -57,25 +57,12 @@ public class DailyCompoundingPeriod implements CompoundingPeriod {
         this.endOfDayBalances = endOfDayBalances;
     }
 
-    @Override
-    public BigDecimal calculateInterest(final BigDecimal interestRateAsFraction, final long daysInYear) {
-
-        BigDecimal interestEarned = BigDecimal.ZERO;
-
-        for (final EndOfDayBalance balance : this.endOfDayBalances) {
-            final BigDecimal interestOnBalanceUnrounded = balance.calculateInterestOnBalance(BigDecimal.ZERO, interestRateAsFraction,
-                    daysInYear);
-            interestEarned = interestEarned.add(interestOnBalanceUnrounded);
-        }
-
-        return interestEarned;
-    }
-
     @Override
     public BigDecimal calculateInterest(
             @SuppressWarnings("unused") final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
             @SuppressWarnings("unused") final SavingsInterestCalculationType interestCalculationType,
-            final BigDecimal interestFromPreviousPostingPeriod, final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestFromPreviousPostingPeriod, final BigDecimal interestRateAsFraction, final long daysInYear,
+            final BigDecimal minBalanceForInterestCalculation) {
         BigDecimal interestEarned = BigDecimal.ZERO;
 
         // for daily compounding - each interest calculated from previous daily
@@ -83,7 +70,7 @@ public class DailyCompoundingPeriod implements CompoundingPeriod {
         BigDecimal interestToCompound = interestFromPreviousPostingPeriod;
         for (final EndOfDayBalance balance : this.endOfDayBalances) {
             final BigDecimal interestOnBalanceUnrounded = balance.calculateInterestOnBalanceAndInterest(interestToCompound,
-                    interestRateAsFraction, daysInYear);
+                    interestRateAsFraction, daysInYear, minBalanceForInterestCalculation);
             interestToCompound = interestToCompound.add(interestOnBalanceUnrounded, MathContext.DECIMAL64).setScale(9);
             interestEarned = interestEarned.add(interestOnBalanceUnrounded);
         }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/EndOfDayBalance.java

@@ -41,15 +41,19 @@ public class EndOfDayBalance {
     }
 
     public BigDecimal calculateInterestOnBalance(final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction,
-            final long daysInYear) {
+            final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         final BigDecimal multiplicand = BigDecimal.ONE.divide(BigDecimal.valueOf(daysInYear), MathContext.DECIMAL64);
         final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
         final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(this.numberOfDays), MathContext.DECIMAL64);
 
         final BigDecimal realBalanceForInterestCalculation = this.endOfDayBalance.getAmount().add(interestToCompound);
-
-        return realBalanceForInterestCalculation.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9, RoundingMode.HALF_EVEN);
+        BigDecimal interest = BigDecimal.ZERO.setScale(9, RoundingMode.HALF_EVEN);
+        if (realBalanceForInterestCalculation.compareTo(minBalanceForInterestCalculation) >= 0) {
+            interest = realBalanceForInterestCalculation.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9,
+                    RoundingMode.HALF_EVEN);
+        }
+        return interest;
     }
 
     /**
@@ -60,7 +64,7 @@ public class EndOfDayBalance {
      * 1/365 n = number of periods rate is compounded
      */
     public BigDecimal calculateInterestOnBalanceAndInterest(final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction,
-            final long daysInYear) {
+            final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
         final BigDecimal multiplicand = BigDecimal.ONE.divide(BigDecimal.valueOf(daysInYear), MathContext.DECIMAL64);
 
         final BigDecimal presentValue = this.endOfDayBalance.getAmount().add(interestToCompound);
@@ -71,27 +75,29 @@ public class EndOfDayBalance {
 
         final double interestRateForCompoundingPeriodPowered = Math.pow(interestRateForCompoundingPeriodPlusOne.doubleValue(), Integer
                 .valueOf(this.numberOfDays).doubleValue());
-
-        final BigDecimal futureValue = presentValue.multiply(BigDecimal.valueOf(interestRateForCompoundingPeriodPowered),
-                MathContext.DECIMAL64).setScale(9, RoundingMode.HALF_EVEN);
+        BigDecimal futureValue = presentValue.setScale(9, RoundingMode.HALF_EVEN);
+        if (presentValue.compareTo(minBalanceForInterestCalculation) >= 0) {
+            futureValue = presentValue.multiply(BigDecimal.valueOf(interestRateForCompoundingPeriodPowered), MathContext.DECIMAL64)
+                    .setScale(9, RoundingMode.HALF_EVEN);
+        }
         return futureValue.subtract(presentValue);
     }
 
     /**
      * @param compoundingPeriodInterval
      * @param upToInterestCalculationDate
-     *            : For calculating maturity details in advance upToInterestCalculationDate
-     *            will be maturity date else it will be
-     *            DateUtils.getLocalDateOfTenant().
+     *            : For calculating maturity details in advance
+     *            upToInterestCalculationDate will be maturity date else it will
+     *            be DateUtils.getLocalDateOfTenant().
      * @return
      */
     public EndOfDayBalance upTo(final LocalDateInterval compoundingPeriodInterval, final LocalDate upToInterestCalculationDate) {
 
         Money startingBalance = this.openingBalance;
         LocalDate balanceStartDate = this.date;
-        
+
         LocalDate oldBalanceEndDate = this.date.plusDays(this.numberOfDays - 1);
-        
+
         int daysOfBalance = this.numberOfDays;
 
         if (this.date.isBefore(compoundingPeriodInterval.startDate())) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/MonthlyCompoundingPeriod.java

@@ -26,34 +26,21 @@ public class MonthlyCompoundingPeriod implements CompoundingPeriod {
         return new MonthlyCompoundingPeriod(periodInterval, endOfDayBalancesWithinPeriod);
     }
 
-    @Override
-    public BigDecimal calculateInterest(final BigDecimal interestRateAsFraction, final long daysInYear) {
-
-        BigDecimal interestEarned = BigDecimal.ZERO;
-
-        for (final EndOfDayBalance balance : this.endOfDayBalances) {
-            final BigDecimal interestOnBalanceUnrounded = balance.calculateInterestOnBalance(BigDecimal.ZERO, interestRateAsFraction,
-                    daysInYear);
-            interestEarned = interestEarned.add(interestOnBalanceUnrounded);
-        }
-
-        return interestEarned;
-    }
-
     @Override
     public BigDecimal calculateInterest(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
             final SavingsInterestCalculationType interestCalculationType, final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
 
         switch (interestCalculationType) {
             case DAILY_BALANCE:
                 interestEarned = calculateUsingDailyBalanceMethod(compoundingInterestPeriodType, interestToCompound,
-                        interestRateAsFraction, daysInYear);
+                        interestRateAsFraction, daysInYear, minBalanceForInterestCalculation);
             break;
             case AVERAGE_DAILY_BALANCE:
-                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear);
+                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear,
+                        minBalanceForInterestCalculation);
             break;
             case INVALID:
             break;
@@ -63,7 +50,7 @@ public class MonthlyCompoundingPeriod implements CompoundingPeriod {
     }
 
     private BigDecimal calculateUsingAverageDailyBalanceMethod(final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal cumulativeBalance = BigDecimal.ZERO;
         Integer numberOfDays = Integer.valueOf(0);
@@ -84,15 +71,18 @@ public class MonthlyCompoundingPeriod implements CompoundingPeriod {
             final BigDecimal multiplicand = BigDecimal.ONE.divide(BigDecimal.valueOf(daysInYear), MathContext.DECIMAL64);
             final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
             final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(numberOfDays), MathContext.DECIMAL64);
-
-            interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9, RoundingMode.HALF_EVEN);
+            if (averageDailyBalance.compareTo(minBalanceForInterestCalculation) >= 0) {
+                interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9,
+                        RoundingMode.HALF_EVEN);
+            }
         }
 
         return interestEarned;
     }
 
     private BigDecimal calculateUsingDailyBalanceMethod(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
-            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
         BigDecimal interestOnBalanceUnrounded = BigDecimal.ZERO;
@@ -101,10 +91,11 @@ public class MonthlyCompoundingPeriod implements CompoundingPeriod {
             switch (compoundingInterestPeriodType) {
                 case DAILY:
                     interestOnBalanceUnrounded = balance.calculateInterestOnBalanceAndInterest(interestToCompound, interestRateAsFraction,
-                            daysInYear);
+                            daysInYear, minBalanceForInterestCalculation);
                 break;
                 case MONTHLY:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
                 // case QUATERLY:
                 // break;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/PostingPeriod.java

@@ -37,12 +37,17 @@ public class PostingPeriod {
     // include in compounding interest
     private boolean interestTransfered = false;
 
-    // isInterestTransfer boolean is to identify newly created transaction is interest transfer
+    // minimum balance for interest calculation
+    private final Money minBalanceForInterestCalculation;
+
+    // isInterestTransfer boolean is to identify newly created transaction is
+    // interest transfer
     public static PostingPeriod createFrom(final LocalDateInterval periodInterval, final Money periodStartingBalance,
             final List<SavingsAccountTransaction> orderedListOfTransactions, final MonetaryCurrency currency,
             final SavingsCompoundingInterestPeriodType interestCompoundingPeriodType,
             final SavingsInterestCalculationType interestCalculationType, final BigDecimal interestRateAsFraction, final long daysInYear,
-            final LocalDate upToInterestCalculationDate, Collection<Long> interestPostTransactions, boolean isInterestTransfer) {
+            final LocalDate upToInterestCalculationDate, Collection<Long> interestPostTransactions, boolean isInterestTransfer,
+            final Money minBalanceForInterestCalculation) {
 
         final List<EndOfDayBalance> accountEndOfDayBalances = new ArrayList<>();
         boolean interestTransfered = false;
@@ -66,7 +71,8 @@ public class PostingPeriod {
                 openingDayBalance = closeOfDayBalance;
             }
 
-            // this check is to make sure to add interest if withdrawal is happened for already
+            // this check is to make sure to add interest if withdrawal is
+            // happened for already
             if (transaction.occursOn(periodInterval.endDate().plusDays(1))) {
                 if (transaction.getId() == null) {
                     interestTransfered = isInterestTransfer;
@@ -101,13 +107,14 @@ public class PostingPeriod {
                 accountEndOfDayBalances, upToInterestCalculationDate);
 
         return new PostingPeriod(periodInterval, currency, periodStartingBalance, openingDayBalance, interestCompoundingPeriodType,
-                interestCalculationType, interestRateAsFraction, daysInYear, compoundingPeriods, interestTransfered);
+                interestCalculationType, interestRateAsFraction, daysInYear, compoundingPeriods, interestTransfered,
+                minBalanceForInterestCalculation);
     }
 
     private PostingPeriod(final LocalDateInterval periodInterval, final MonetaryCurrency currency, final Money openingBalance,
             final Money closingBalance, final SavingsCompoundingInterestPeriodType interestCompoundingType,
             final SavingsInterestCalculationType interestCalculationType, final BigDecimal interestRateAsFraction, final long daysInYear,
-            final List<CompoundingPeriod> compoundingPeriods, boolean interestTransfered) {
+            final List<CompoundingPeriod> compoundingPeriods, boolean interestTransfered, final Money minBalanceForInterestCalculation) {
         this.periodInterval = periodInterval;
         this.currency = currency;
         this.openingBalance = openingBalance;
@@ -120,6 +127,7 @@ public class PostingPeriod {
 
         this.dateOfPostingTransaction = periodInterval.endDate().plusDays(1);
         this.interestTransfered = interestTransfered;
+        this.minBalanceForInterestCalculation = minBalanceForInterestCalculation;
     }
 
     public Money interest() {
@@ -147,7 +155,8 @@ public class PostingPeriod {
         for (final CompoundingPeriod compoundingPeriod : this.compoundingPeriods) {
 
             final BigDecimal interestUnrounded = compoundingPeriod.calculateInterest(this.interestCompoundingType,
-                    this.interestCalculationType, interestCompounded, this.interestRateAsFraction, this.daysInYear);
+                    this.interestCalculationType, interestCompounded, this.interestRateAsFraction, this.daysInYear,
+                    this.minBalanceForInterestCalculation.getAmount());
             interestCompounded = interestCompounded.add(interestUnrounded);
             interestEarned = interestEarned.add(interestUnrounded);
         }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/interest/QuarterlyCompoundingPeriod.java

@@ -17,41 +17,30 @@ public class QuarterlyCompoundingPeriod implements CompoundingPeriod {
     private final LocalDateInterval periodInterval;
     private final List<EndOfDayBalance> endOfDayBalances;
 
-    public static QuarterlyCompoundingPeriod create(final LocalDateInterval periodInterval, final List<EndOfDayBalance> allEndOfDayBalances, final LocalDate upToInterestCalculationDate) {
+    public static QuarterlyCompoundingPeriod create(final LocalDateInterval periodInterval,
+            final List<EndOfDayBalance> allEndOfDayBalances, final LocalDate upToInterestCalculationDate) {
 
-        final List<EndOfDayBalance> endOfDayBalancesWithinPeriod = endOfDayBalancesWithinPeriodInterval(periodInterval, allEndOfDayBalances, upToInterestCalculationDate);
+        final List<EndOfDayBalance> endOfDayBalancesWithinPeriod = endOfDayBalancesWithinPeriodInterval(periodInterval,
+                allEndOfDayBalances, upToInterestCalculationDate);
 
         return new QuarterlyCompoundingPeriod(periodInterval, endOfDayBalancesWithinPeriod);
     }
 
-    @Override
-    public BigDecimal calculateInterest(final BigDecimal interestRateAsFraction, final long daysInYear) {
-
-        BigDecimal interestEarned = BigDecimal.ZERO;
-
-        for (final EndOfDayBalance balance : this.endOfDayBalances) {
-            final BigDecimal interestOnBalanceUnrounded = balance.calculateInterestOnBalance(BigDecimal.ZERO, interestRateAsFraction,
-                    daysInYear);
-            interestEarned = interestEarned.add(interestOnBalanceUnrounded);
-        }
-
-        return interestEarned;
-    }
-
     @Override
     public BigDecimal calculateInterest(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
             final SavingsInterestCalculationType interestCalculationType, final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
 
         switch (interestCalculationType) {
             case DAILY_BALANCE:
                 interestEarned = calculateUsingDailyBalanceMethod(compoundingInterestPeriodType, interestToCompound,
-                        interestRateAsFraction, daysInYear);
+                        interestRateAsFraction, daysInYear, minBalanceForInterestCalculation);
             break;
             case AVERAGE_DAILY_BALANCE:
-                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear);
+                interestEarned = calculateUsingAverageDailyBalanceMethod(interestToCompound, interestRateAsFraction, daysInYear,
+                        minBalanceForInterestCalculation);
             break;
             case INVALID:
             break;
@@ -61,7 +50,7 @@ public class QuarterlyCompoundingPeriod implements CompoundingPeriod {
     }
 
     private BigDecimal calculateUsingAverageDailyBalanceMethod(final BigDecimal interestToCompound,
-            final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestRateAsFraction, final long daysInYear, final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal cumulativeBalance = BigDecimal.ZERO;
         Integer numberOfDays = Integer.valueOf(0);
@@ -82,15 +71,18 @@ public class QuarterlyCompoundingPeriod implements CompoundingPeriod {
             final BigDecimal multiplicand = BigDecimal.ONE.divide(BigDecimal.valueOf(daysInYear), MathContext.DECIMAL64);
             final BigDecimal dailyInterestRate = interestRateAsFraction.multiply(multiplicand, MathContext.DECIMAL64);
             final BigDecimal periodicInterestRate = dailyInterestRate.multiply(BigDecimal.valueOf(numberOfDays), MathContext.DECIMAL64);
-
-            interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9, RoundingMode.HALF_EVEN);
+            if (averageDailyBalance.compareTo(minBalanceForInterestCalculation) >= 0) {
+                interestEarned = averageDailyBalance.multiply(periodicInterestRate, MathContext.DECIMAL64).setScale(9,
+                        RoundingMode.HALF_EVEN);
+            }
         }
 
         return interestEarned;
     }
 
     private BigDecimal calculateUsingDailyBalanceMethod(final SavingsCompoundingInterestPeriodType compoundingInterestPeriodType,
-            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear) {
+            final BigDecimal interestToCompound, final BigDecimal interestRateAsFraction, final long daysInYear,
+            final BigDecimal minBalanceForInterestCalculation) {
 
         BigDecimal interestEarned = BigDecimal.ZERO;
         BigDecimal interestOnBalanceUnrounded = BigDecimal.ZERO;
@@ -99,24 +91,28 @@ public class QuarterlyCompoundingPeriod implements CompoundingPeriod {
             switch (compoundingInterestPeriodType) {
                 case DAILY:
                     interestOnBalanceUnrounded = balance.calculateInterestOnBalanceAndInterest(interestToCompound, interestRateAsFraction,
-                            daysInYear);
+                            daysInYear, minBalanceForInterestCalculation);
                 break;
                 case MONTHLY:
-                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
+                break;
+                case QUATERLY:
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
                 break;
-                 case QUATERLY:
-                	 interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
-                 break;
                 // case WEEKLY:
                 // break;
                 // case BIWEEKLY:
                 // break;
-                 case BI_ANNUAL:
-                	 interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
-                 break;
-                 case ANNUAL:
-                	 interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear);
-                 break;
+                case BI_ANNUAL:
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
+                break;
+                case ANNUAL:
+                    interestOnBalanceUnrounded = balance.calculateInterestOnBalance(interestToCompound, interestRateAsFraction, daysInYear,
+                            minBalanceForInterestCalculation);
+                break;
                 // case NO_COMPOUNDING_SIMPLE_INTEREST:
                 // break;
                 case INVALID:

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/DepositAccountReadPlatformServiceImpl.java

@@ -540,7 +540,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             selectFieldsSqlBuilder.append("sa.account_balance_derived as accountBalance, ");
             selectFieldsSqlBuilder.append("sa.total_fees_charge_derived as totalFeeCharge, ");
             selectFieldsSqlBuilder.append("sa.total_penalty_charge_derived as totalPenaltyCharge, ");
-            selectFieldsSqlBuilder.append("sa.deposit_type_enum as depositTypeId ");
+            selectFieldsSqlBuilder.append("sa.deposit_type_enum as depositTypeId, ");
+            selectFieldsSqlBuilder.append("sa.min_balance_for_interest_calculation as minBalanceForInterestCalculation ");
 
             this.selectFieldsSql = selectFieldsSqlBuilder.toString();
 
@@ -668,6 +669,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             }
 
             final boolean withdrawalFeeForTransfers = rs.getBoolean("withdrawalFeeForTransfers");
+            final BigDecimal minBalanceForInterestCalculation = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs,
+                    "minBalanceForInterestCalculation");
 
             final BigDecimal totalDeposits = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "totalDeposits");
             final BigDecimal totalWithdrawals = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "totalWithdrawals");
@@ -687,7 +690,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             return DepositAccountData.instance(id, accountNo, externalId, groupId, groupName, clientId, clientName, productId, productName,
                     fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualInterestRate, interestCompoundingPeriodType,
                     interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
-                    lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, depositType);
+                    lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, depositType,
+                    minBalanceForInterestCalculation);
         }
     }
 
@@ -1022,7 +1026,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             selectFieldsSqlBuilder.append("sa.lockin_period_frequency as lockinPeriodFrequency,");
             selectFieldsSqlBuilder.append("sa.lockin_period_frequency_enum as lockinPeriodFrequencyType, ");
             selectFieldsSqlBuilder.append("sa.withdrawal_fee_for_transfer as withdrawalFeeForTransfers, ");
-            selectFieldsSqlBuilder.append("sa.deposit_type_enum as depositTypeId ");
+            selectFieldsSqlBuilder.append("sa.deposit_type_enum as depositTypeId, ");
+            selectFieldsSqlBuilder.append("sa.min_balance_for_interest_calculation as minBalanceForInterestCalculation ");
 
             this.selectFieldsSql = selectFieldsSqlBuilder.toString();
 
@@ -1090,6 +1095,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             }
 
             final boolean withdrawalFeeForTransfers = rs.getBoolean("withdrawalFeeForTransfers");
+            final BigDecimal minBalanceForInterestCalculation = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs,
+                    "minBalanceForInterestCalculation");
 
             Long clientId = null;
             String clientName = null;
@@ -1114,7 +1121,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             return DepositAccountData.instance(null, null, null, groupId, groupName, clientId, clientName, productId, productName,
                     fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualIterestRate, interestCompoundingPeriodType,
                     interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType, minRequiredOpeningBalance,
-                    lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, depositType);
+                    lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary, depositType,
+                    minBalanceForInterestCalculation);
         }
     }
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/DepositProductReadPlatformServiceImpl.java

@@ -130,7 +130,8 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
             sqlBuilder.append("sp.interest_calculation_days_in_year_type_enum as interestCalculationDaysInYearType, ");
             sqlBuilder.append("sp.lockin_period_frequency as lockinPeriodFrequency,");
             sqlBuilder.append("sp.lockin_period_frequency_enum as lockinPeriodFrequencyType, ");
-            sqlBuilder.append("sp.accounting_type as accountingType ");
+            sqlBuilder.append("sp.accounting_type as accountingType, ");
+            sqlBuilder.append("sp.min_balance_for_interest_calculation as minBalanceForInterestCalculation ");
             this.schemaSql = sqlBuilder.toString();
         }
 
@@ -181,10 +182,11 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
             if (lockinPeriodFrequencyTypeValue != null) {
                 lockinPeriodFrequencyType = SavingsEnumerations.lockinPeriodFrequencyType(lockinPeriodFrequencyTypeValue);
             }
+            final BigDecimal minBalanceForInterestCalculation = rs.getBigDecimal("minBalanceForInterestCalculation");
 
             return DepositProductData.instance(id, name, shortName, description, currency, nominalAnnualInterestRate,
                     compoundingInterestPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
-                    lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRuleType);
+                    lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRuleType, minBalanceForInterestCalculation);
         }
     }
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsAccountReadPlatformServiceImpl.java

@@ -250,8 +250,9 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
             sqlBuilder.append("sa.account_balance_derived as accountBalance, ");
             sqlBuilder.append("sa.total_fees_charge_derived as totalFeeCharge, ");
             sqlBuilder.append("sa.total_penalty_charge_derived as totalPenaltyCharge, ");
-            sqlBuilder.append("sp.min_required_balance as minRequiredBalance, ");
-            sqlBuilder.append("sp.allow_overdraft_min_balance as allowOverdraftMinBalance ");
+            sqlBuilder.append("sa.min_balance_for_interest_calculation as minBalanceForInterestCalculation,");
+            sqlBuilder.append("sa.min_required_balance as minRequiredBalance, ");
+            sqlBuilder.append("sa.allow_overdraft_min_balance as allowOverdraftMinBalance ");
             sqlBuilder.append("from m_savings_account sa ");
             sqlBuilder.append("join m_savings_product sp ON sa.product_id = sp.id ");
             sqlBuilder.append("join m_currency curr on curr.code = sa.currency_code ");
@@ -411,6 +412,8 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
             final BigDecimal accountBalance = JdbcSupport.getBigDecimalDefaultToZeroIfNull(rs, "accountBalance");
             final BigDecimal totalFeeCharge = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "totalFeeCharge");
             final BigDecimal totalPenaltyCharge = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "totalPenaltyCharge");
+            final BigDecimal minBalanceForInterestCalculation = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs,
+                    "minBalanceForInterestCalculation");
 
             final SavingsAccountSummaryData summary = new SavingsAccountSummaryData(currency, totalDeposits, totalWithdrawals,
                     totalWithdrawalFees, totalAnnualFees, totalInterestEarned, totalInterestPosted, accountBalance, totalFeeCharge,
@@ -420,7 +423,7 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
                     productName, fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualInterestRate,
                     interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
                     minRequiredOpeningBalance, lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary,
-                    allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance);
+                    allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance, minBalanceForInterestCalculation);
         }
     }
 
@@ -811,8 +814,11 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
             // sqlBuilder.append("sp.withdrawal_fee_amount as withdrawalFeeAmount,");
             // sqlBuilder.append("sp.withdrawal_fee_type_enum as withdrawalFeeTypeEnum, ");
             sqlBuilder.append("sp.withdrawal_fee_for_transfer as withdrawalFeeForTransfers, ");
+            sqlBuilder.append("sp.min_balance_for_interest_calculation as minBalanceForInterestCalculation, ");
             sqlBuilder.append("sp.allow_overdraft as allowOverdraft, ");
-            sqlBuilder.append("sp.overdraft_limit as overdraftLimit ");
+            sqlBuilder.append("sp.overdraft_limit as overdraftLimit, ");
+            sqlBuilder.append("sp.min_required_balance as minRequiredBalance, ");
+            sqlBuilder.append("sp.allow_overdraft_min_balance as allowOverdraftMinBalance ");
             // sqlBuilder.append("sp.annual_fee_amount as annualFeeAmount,");
             // sqlBuilder.append("sp.annual_fee_on_month as annualFeeOnMonth, ");
             // sqlBuilder.append("sp.annual_fee_on_day as annualFeeOnDay ");
@@ -884,6 +890,8 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
 
             final BigDecimal minRequiredBalance = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "minRequiredBalance");
             final boolean allowOverdraftMinBalance = rs.getBoolean("allowOverdraftMinBalance");
+            final BigDecimal minBalanceForInterestCalculation = JdbcSupport.getBigDecimalDefaultToNullIfZero(rs,
+                    "minBalanceForInterestCalculation");
 
             // final BigDecimal annualFeeAmount =
             // JdbcSupport.getBigDecimalDefaultToNullIfZero(rs,
@@ -924,7 +932,7 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
                     productName, fieldOfficerId, fieldOfficerName, status, timeline, currency, nominalAnnualIterestRate,
                     interestCompoundingPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
                     minRequiredOpeningBalance, lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers, summary,
-                    allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance);
+                    allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance, minBalanceForInterestCalculation);
         }
     }
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsProductReadPlatformServiceImpl.java

@@ -94,6 +94,7 @@ public class SavingsProductReadPlatformServiceImpl implements SavingsProductRead
             sqlBuilder.append("sp.overdraft_limit as overdraftLimit, ");
             sqlBuilder.append("sp.min_required_balance as minRequiredBalance, ");
             sqlBuilder.append("sp.allow_overdraft_min_balance as allowOverdraftMinBalance, ");
+            sqlBuilder.append("sp.min_balance_for_interest_calculation as minBalanceForInterestCalculation,");
             sqlBuilder.append("sp.accounting_type as accountingType ");
             sqlBuilder.append("from m_savings_product sp ");
             sqlBuilder.append("join m_currency curr on curr.code = sp.currency_code ");
@@ -158,11 +159,13 @@ public class SavingsProductReadPlatformServiceImpl implements SavingsProductRead
 
             final BigDecimal minRequiredBalance = rs.getBigDecimal("minRequiredBalance");
             final boolean allowOverdraftMinBalance = rs.getBoolean("allowOverdraftMinBalance");
+            final BigDecimal minBalanceForInterestCalculation = rs.getBigDecimal("minBalanceForInterestCalculation");
 
             return SavingsProductData.instance(id, name, shortName, description, currency, nominalAnnualInterestRate,
                     compoundingInterestPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
                     minRequiredOpeningBalance, lockinPeriodFrequency, lockinPeriodFrequencyType, withdrawalFeeForTransfers,
-                    accountingRuleType, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance);
+                    accountingRuleType, allowOverdraft, overdraftLimit, minRequiredBalance, allowOverdraftMinBalance,
+                    minBalanceForInterestCalculation);
         }
     }