feat(accounts): backend fixes for Modify Application feature (Current/Savings/FD/RD)

Current Account:
- CurrentAccountReadPlatformServiceImpl: add retrieveJointHolders() and retrievePartners()
- CurrentAccountWritePlatformServiceImpl: full modifyApplication() - updates all CBS fields,
  joint holders, partners, nominees, facility config, dates, introducer
- Fix cbsAccountType save: parse string account type from 'accountType' JSON field

Nominees:
- ClientNomineeWritePlatformService: add replaceNomineesForAccount() for atomic replace
- Savings/FD/RD modifyApplication: replace nominees on modify

FD/RD Read (DepositAccountReadPlatformServiceImpl):
- Add isSeniorCitizen, seniorCitizenInterestRate to BASE SQL SELECT
- Add setCbsAccountFields() call in FD/RD mappers reading accountStatus, modeOfOperation,
  introducerClientId, guardianFields, linkedAccountId, isSeniorCitizen from ResultSet
- Fix retrieveOne() to also fetch joint holders from m_savings_account_joint_holders
- Use explicit LinkedHashMap in joint holder query (camelCase keys for Angular)

FD/RD Data Classes:
- FixedDepositAccountData: add accountStatus, modeOfOperation, introducerClientId,
  linkedAccountId, jointHolders, isSeniorCitizen, seniorCitizenInterestRate fields
- RecurringDepositAccountData: same fields added
- Fix all factory methods (withInterestChartAndRecurringDetails, withClosureTemplateDetails,
  withTemplateOptions, associationsAndTemplate) to call copyCbsFieldsFrom()
- Fix SavingsAccountReadPlatformServiceImpl joint holders: use camelCase keys

FD Calculator:
- FixedDepositAccountInterestCalculationServiceImpl: add calculateExact() with actual
  calendar-based calculation matching PostingPeriod engine (exact same as account creation)
- Add submittedOnDate, daysInYear, interestPostingPeriodInMonths optional params
- Support interestCompoundingPeriodInMonths=0 (daily compounding) in both validator and calc
- DepositsApiConstants: add submittedOnDate/dateFormat/locale/daysInYear to allowed params
- DepositAccountDataValidator: allow 0 (daily) in interestCompoundingPeriodInMonths

Misc:
- SavingsProductData: null-check in isCashBased/isAccrualBased methods (NPE fix)

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

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

@@ -512,6 +512,11 @@ public final class DepositsApiConstants {
         fixedDepositInterestCalculationData.add(tenureInMonthsParamName);
         fixedDepositInterestCalculationData.add(interestPostingPeriodInMonthsParamName);
         fixedDepositInterestCalculationData.add(interestCompoundingPeriodInMonthsParamName);
+        // Exact calendar-based calculation params
+        fixedDepositInterestCalculationData.add("submittedOnDate");
+        fixedDepositInterestCalculationData.add("dateFormat");
+        fixedDepositInterestCalculationData.add("locale");
+        fixedDepositInterestCalculationData.add("daysInYear");
 
         return fixedDepositInterestCalculationData;
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientNomineeWritePlatformService.java

@@ -1,41 +1,47 @@
-/**
+/**
- * Licensed to the Apache Software Foundation (ASF) under one
+ * Licensed to the Apache Software Foundation (ASF) under one
- * or more contributor license agreements. See the NOTICE file
+ * or more contributor license agreements. See the NOTICE file
- * distributed with this work for additional information
+ * distributed with this work for additional information
- * regarding copyright ownership. The ASF licenses this file
+ * regarding copyright ownership. The ASF licenses this file
- * to you under the Apache License, Version 2.0 (the
+ * to you under the Apache License, Version 2.0 (the
- * "License"); you may not use this file except in compliance
+ * "License"); you may not use this file except in compliance
- * with the License. You may obtain a copy of the License at
+ * with the License. You may obtain a copy of the License at
- *
+ *
- * http://www.apache.org/licenses/LICENSE-2.0
+ * http://www.apache.org/licenses/LICENSE-2.0
- *
+ *
- * Unless required by applicable law or agreed to in writing,
+ * Unless required by applicable law or agreed to in writing,
- * software distributed under the License is distributed on an
+ * software distributed under the License is distributed on an
- * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
- * KIND, either express or implied. See the License for the
+ * KIND, either express or implied. See the License for the
- * specific language governing permissions and limitations
+ * specific language governing permissions and limitations
- * under the License.
+ * under the License.
- */
+ */
-package org.apache.fineract.portfolio.client.service;
+package org.apache.fineract.portfolio.client.service;
-
+
-import com.google.gson.JsonElement;
+import com.google.gson.JsonElement;
-import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
-import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
-
+
-public interface ClientNomineeWritePlatformService {
+public interface ClientNomineeWritePlatformService {
-
+
-    CommandProcessingResult addNominee(Long clientId, JsonCommand command);
+    CommandProcessingResult addNominee(Long clientId, JsonCommand command);
-
+
-    CommandProcessingResult updateNominee(Long clientId, Long nomineeId, JsonCommand command);
+    CommandProcessingResult updateNominee(Long clientId, Long nomineeId, JsonCommand command);
-
+
-    CommandProcessingResult deleteNominee(Long clientId, Long nomineeId);
+    CommandProcessingResult deleteNominee(Long clientId, Long nomineeId);
-
+
-    /**
+    /**
-     * Saves nominee from a JSON element already extracted from the account creation payload.
+     * Saves nominee from a JSON element already extracted from the account creation payload.
-     * Called internally during account creation (SB/CB/FD/RD) so nominee is persisted
+     * Called internally during account creation (SB/CB/FD/RD) so nominee is persisted
-     * in the same transaction without a separate API call.
+     * in the same transaction without a separate API call.
-     */
+     */
-    void saveNomineeIfPresent(Long clientId, String accountNo, String accountType, JsonElement nomineeJson);
+    void saveNomineeIfPresent(Long clientId, String accountNo, String accountType, JsonElement nomineeJson);
-
+
-    void saveNomineesIfPresent(Long clientId, String accountNo, String accountType, JsonElement nomineesJson);
+    void saveNomineesIfPresent(Long clientId, String accountNo, String accountType, JsonElement nomineesJson);
-}
+
+    /**
+     * Soft-deletes all existing nominees for the given account, then saves the new nominees.
+     * Used during modifyApplication to replace nominees atomically.
+     */
+    void replaceNomineesForAccount(Long clientId, String accountNo, String accountType, JsonElement nomineesJson);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientNomineeWritePlatformServiceImpl.java

@@ -465,4 +465,20 @@ public class ClientNomineeWritePlatformServiceImpl implements ClientNomineeWrite
             saveNomineeIfPresent(clientId, accountNo, accountType, nomineesJson);
         }
     }
+
+    @Override
+    public void replaceNomineesForAccount(final Long clientId, final String accountNo, final String accountType, final JsonElement nomineesJson) {
+        // Soft-delete all existing nominees for this account
+        final List<org.apache.fineract.portfolio.client.domain.ClientNominee> existing =
+                nomineeRepository.findByClientIdAndAccountNoAndAccountType(clientId, accountNo, accountType);
+        for (org.apache.fineract.portfolio.client.domain.ClientNominee n : existing) {
+            n.setIsDeleted(true);
+            n.setIsActive(false);
+        }
+        nomineeRepository.saveAll(existing);
+        // Save new nominees
+        if (nomineesJson != null && !nomineesJson.isJsonNull()) {
+            saveNomineesIfPresent(clientId, accountNo, accountType, nomineesJson);
+        }
+    }
 }

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

@@ -257,24 +257,34 @@ public class FixedDepositAccountsApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     @ApiResponse(responseCode = "200", description = "OK", content = @Content(schema = @Schema(implementation = FixedDepositAccountsApiResourceSwagger.CalculateFixedDepositInterestResponse.class)))
     public String calculateFixedDepositInterest(@Context final UriInfo uriInfo,
-            @QueryParam("principalAmount") @Parameter(description = "BigDecimal principalAmount") final BigDecimal principalAmount,
+            @QueryParam("principalAmount") @Parameter(description = "Deposit principal amount") final BigDecimal principalAmount,
-            @QueryParam("annualInterestRate") @Parameter(description = "annualInterestRate") final BigDecimal annualInterestRate,
+            @QueryParam("annualInterestRate") @Parameter(description = "Annual interest rate (%)") final BigDecimal annualInterestRate,
-            @QueryParam("tenureInMonths") @Parameter(description = "tenureInMonths") final Long tenureInMonths,
+            @QueryParam("tenureInMonths") @Parameter(description = "Tenure in months") final Long tenureInMonths,
-            @QueryParam("interestCompoundingPeriodInMonths") @Parameter(description = "interestCompoundingPeriodInMonths") final Long interestCompoundingPeriodInMonths,
+            @QueryParam("interestCompoundingPeriodInMonths") @Parameter(description = "Compounding period in months (1,3,6,12)") final Long interestCompoundingPeriodInMonths,
-            @QueryParam("interestPostingPeriodInMonths") @Parameter(description = "interestPostingPeriodInMonths") final Long interestPostingPeriodInMonths) {
+            @QueryParam("interestPostingPeriodInMonths") @Parameter(description = "Posting period in months (1,3,6,12)") final Long interestPostingPeriodInMonths,
+            @QueryParam("submittedOnDate") @Parameter(description = "Submission date (yyyy-MM-dd) for exact calendar calculation") final String submittedOnDate,
+            @QueryParam("daysInYear") @Parameter(description = "Days in year (360 or 365)") final Integer daysInYear) {
         HashMap request = new HashMap<>();
         request.put("annualInterestRate", annualInterestRate);
         request.put("tenureInMonths", tenureInMonths);
         request.put("interestCompoundingPeriodInMonths", interestCompoundingPeriodInMonths);
         request.put("interestPostingPeriodInMonths", interestPostingPeriodInMonths);
         request.put("principalAmount", principalAmount);
+        // Pass exact calculation params if provided
+        if (submittedOnDate != null && !submittedOnDate.isBlank()) {
+            request.put("submittedOnDate", submittedOnDate); // pass as string, extracted in service
+            request.put("dateFormat", "yyyy-MM-dd");
+            request.put("locale", "en");
+        }
+        if (daysInYear != null) {
+            request.put("daysInYear", daysInYear);
+        }
         String apiRequestBodyAsJson = toApiJsonSerializer.serialize(request);
         JsonElement jsonElement = fromJsonHelper.parse(apiRequestBodyAsJson);
         HashMap result = fixedDepositAccountInterestCalculationService
                 .calculateInterest(new JsonQuery(apiRequestBodyAsJson, jsonElement, fromJsonHelper));
 
         return toApiJsonSerializer.serializeResult(result);
-
     }
 
     private BigDecimal getActivationCharge(Long accountId) {

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

@@ -66,11 +66,53 @@ public class CurrentAccountReadPlatformServiceImpl implements CurrentAccountRead
             throw new CurrentAccountNotFoundException(accountId);
         }
         final Map<String, Object> response = buildStructuredResponse(rows.get(0));
+        response.put("jointHolders", retrieveJointHolders(accountId));
+        response.put("partners", retrievePartners(accountId));
         response.put("charges", retrieveCharges(accountId));
         response.put("transactions", retrieveTransactions(accountId));
         return response;
     }
 
+    private List<Map<String, Object>> retrieveJointHolders(Long accountId) {
+        final String sql =
+            "SELECT jh.id, jh.client_id, jh.cif_number, jh.display_name, "
+            + "jh.share_percentage, jh.signing_authority, jh.role, jh.is_primary, jh.is_mandatory "
+            + "FROM m_current_account_joint_holder jh "
+            + "WHERE jh.current_account_id = ? "
+            + "ORDER BY jh.is_primary DESC, jh.id ASC";
+        return jdbcTemplate.query(sql, (rs, rowNum) -> {
+            final Map<String, Object> h = new LinkedHashMap<>();
+            h.put("id", rs.getLong("id"));
+            h.put("clientId", rs.getLong("client_id"));
+            h.put("cifNumber", rs.getString("cif_number"));
+            h.put("displayName", rs.getString("display_name"));
+            h.put("sharePercentage", rs.getBigDecimal("share_percentage"));
+            h.put("signingAuthority", rs.getString("signing_authority"));
+            h.put("role", rs.getString("role"));
+            h.put("isPrimary", rs.getBoolean("is_primary"));
+            h.put("isMandatory", rs.getBoolean("is_mandatory"));
+            return h;
+        }, accountId);
+    }
+
+    private List<Map<String, Object>> retrievePartners(Long accountId) {
+        final String sql =
+            "SELECT p.id, p.client_id, p.client_cif, p.client_name, p.share_percentage, p.is_mandatory "
+            + "FROM m_current_account_partner p "
+            + "WHERE p.current_account_id = ? "
+            + "ORDER BY p.id ASC";
+        return jdbcTemplate.query(sql, (rs, rowNum) -> {
+            final Map<String, Object> p = new LinkedHashMap<>();
+            p.put("id", rs.getLong("id"));
+            p.put("clientId", rs.getLong("client_id"));
+            p.put("clientCif", rs.getString("client_cif"));
+            p.put("clientName", rs.getString("client_name"));
+            p.put("sharePercentage", rs.getBigDecimal("share_percentage"));
+            p.put("isMandatory", rs.getBoolean("is_mandatory"));
+            return p;
+        }, accountId);
+    }
+
     private List<Map<String, Object>> retrieveTransactions(Long accountId) {
         final String sql =
             "SELECT t.id, t.transaction_type_enum, t.transaction_date, t.amount, "

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

@@ -309,13 +309,44 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             sqlBuilder.append(depositAccountMapper.schema());
             sqlBuilder.append(" where sa.id = ? and sa.deposit_type_enum = ? ");
 
-            return this.jdbcTemplate.queryForObject(sqlBuilder.toString(), depositAccountMapper, accountId, depositAccountType.getValue());
+            final DepositAccountData account = this.jdbcTemplate.queryForObject(sqlBuilder.toString(), depositAccountMapper, accountId, depositAccountType.getValue());
+            if (account != null) {
+                final java.util.List<java.util.Map<String, Object>> jointHolders = retrieveJointHolders(accountId);
+                if (!jointHolders.isEmpty()) {
+                    if (account instanceof org.apache.fineract.portfolio.savings.data.FixedDepositAccountData) {
+                        ((org.apache.fineract.portfolio.savings.data.FixedDepositAccountData) account).setJointHolders(jointHolders);
+                    } else if (account instanceof org.apache.fineract.portfolio.savings.data.RecurringDepositAccountData) {
+                        ((org.apache.fineract.portfolio.savings.data.RecurringDepositAccountData) account).setJointHolders(jointHolders);
+                    }
+                }
+            }
+            return account;
 
         } catch (final EmptyResultDataAccessException e) {
             throw new DepositAccountNotFoundException(depositAccountType, accountId, e);
         }
     }
 
+    private java.util.List<java.util.Map<String, Object>> retrieveJointHolders(final Long accountId) {
+        final String sql = "SELECT jh.id, jh.client_id, jh.cif_number, jh.display_name, "
+                + "jh.share_percentage, jh.signing_authority, jh.role, jh.is_primary, jh.is_mandatory "
+                + "FROM m_savings_account_joint_holders jh WHERE jh.savings_account_id = ? "
+                + "ORDER BY jh.is_primary DESC, jh.id ASC";
+        return this.jdbcTemplate.query(sql, (rs, rowNum) -> {
+            final java.util.Map<String, Object> h = new java.util.LinkedHashMap<>();
+            h.put("id", rs.getLong("id"));
+            h.put("clientId", rs.getLong("client_id"));
+            h.put("cifNumber", rs.getString("cif_number"));
+            h.put("displayName", rs.getString("display_name"));
+            h.put("sharePercentage", rs.getBigDecimal("share_percentage"));
+            h.put("signingAuthority", rs.getString("signing_authority"));
+            h.put("role", rs.getString("role"));
+            h.put("isPrimary", rs.getBoolean("is_primary"));
+            h.put("isMandatory", rs.getBoolean("is_mandatory"));
+            return h;
+        }, accountId);
+    }
+
     @Override
     public DepositAccountData retrieveOneWithClosureTemplate(final DepositAccountType depositAccountType, final Long accountId) {
         try {
@@ -812,6 +843,8 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
             selectFieldsSqlBuilder.append("sa.introducer_cif_number as introducerCifNumber, ");
             selectFieldsSqlBuilder.append("sa.linked_account_id as linkedAccountId, sa.linked_account_type as linkedAccountType, ");
             selectFieldsSqlBuilder.append("sa.linked_account_no as linkedAccountNo, ");
+            selectFieldsSqlBuilder.append("COALESCE(sa.is_senior_citizen, false) as isSeniorCitizen, ");
+            selectFieldsSqlBuilder.append("sa.senior_citizen_interest_rate as seniorCitizenInterestRate, ");
             selectFieldsSqlBuilder.append("sa.min_balance_for_interest_calculation as minBalanceForInterestCalculation, ");
             selectFieldsSqlBuilder.append("sa.withhold_tax as withHoldTax,");
             selectFieldsSqlBuilder.append("tg.id as taxGroupId, tg.name as taxGroupName ");
@@ -1111,6 +1144,13 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
                     rs.getBoolean("creditMaturityProceeds"), rs.getBoolean("penaltyGracePeriodMissedInstallments"),
                     rs.getBoolean("panelRequestApplicable"), rs.getBoolean("noPenaltyNomineeHeirClosure"),
                     rs.getBoolean("deceasedSettlement"), rs.getBoolean("allowDebitTxnAfterDueDate"));
+            result.setCbsAccountFields(rs.getString("accountStatus"), rs.getString("modeOfOperation"),
+                    JdbcSupport.getLong(rs, "introducerClientId"), rs.getString("introducerName"),
+                    rs.getString("introducerCifNumber"), rs.getString("specialCategory"), rs.getString("weakerSection"),
+                    rs.getString("guardianName"), rs.getString("guardianCifNumber"), rs.getString("guardianRelationship"),
+                    JdbcSupport.getLong(rs, "guardianClientId"), JdbcSupport.getLocalDate(rs, "minorDateOfBirth"),
+                    JdbcSupport.getLong(rs, "linkedAccountId"),
+                    rs.getBoolean("isSeniorCitizen"), JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "seniorCitizenInterestRate"));
             return result;
         }
     }
@@ -1268,6 +1308,13 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
                     rs.getBoolean("creditMaturityProceeds"), rs.getBoolean("penaltyGracePeriodMissedInstallments"),
                     rs.getBoolean("panelRequestApplicable"), rs.getBoolean("noPenaltyNomineeHeirClosure"),
                     rs.getBoolean("deceasedSettlement"), rs.getBoolean("allowDebitTxnAfterDueDate"));
+            result.setCbsAccountFields(rs.getString("accountStatus"), rs.getString("modeOfOperation"),
+                    JdbcSupport.getLong(rs, "introducerClientId"), rs.getString("introducerName"),
+                    rs.getString("introducerCifNumber"), rs.getString("specialCategory"), rs.getString("weakerSection"),
+                    rs.getString("guardianName"), rs.getString("guardianCifNumber"), rs.getString("guardianRelationship"),
+                    JdbcSupport.getLong(rs, "guardianClientId"), JdbcSupport.getLocalDate(rs, "minorDateOfBirth"),
+                    JdbcSupport.getLong(rs, "linkedAccountId"),
+                    rs.getBoolean("isSeniorCitizen"), JdbcSupport.getBigDecimalDefaultToNullIfZero(rs, "seniorCitizenInterestRate"));
 
             return result;
 

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

@@ -1,74 +1,147 @@
-/**
+/**
- * Licensed to the Apache Software Foundation (ASF) under one
+ * Licensed to the Apache Software Foundation (ASF) under one
- * or more contributor license agreements. See the NOTICE file
+ * or more contributor license agreements. See the NOTICE file
- * distributed with this work for additional information
+ * distributed with this work for additional information
- * regarding copyright ownership. The ASF licenses this file
+ * regarding copyright ownership. The ASF licenses this file
- * to you under the Apache License, Version 2.0 (the
+ * to you under the Apache License, Version 2.0 (the
- * "License"); you may not use this file except in compliance
+ * "License"); you may not use this file except in compliance
- * with the License. You may obtain a copy of the License at
+ * with the License. You may obtain a copy of the License at
- *
+ *
- * http://www.apache.org/licenses/LICENSE-2.0
+ * http://www.apache.org/licenses/LICENSE-2.0
- *
+ *
- * Unless required by applicable law or agreed to in writing,
+ * Unless required by applicable law or agreed to in writing,
- * software distributed under the License is distributed on an
+ * software distributed under the License is distributed on an
- * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
- * KIND, either express or implied. See the License for the
+ * KIND, either express or implied. See the License for the
- * specific language governing permissions and limitations
+ * specific language governing permissions and limitations
- * under the License.
+ * under the License.
- */
+ */
-
+
-package org.apache.fineract.portfolio.savings.service;
+package org.apache.fineract.portfolio.savings.service;
-
+
-import static org.apache.fineract.portfolio.savings.DepositsApiConstants.annualInterestRateParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.annualInterestRateParamName;
-import static org.apache.fineract.portfolio.savings.DepositsApiConstants.interestCompoundingPeriodInMonthsParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.interestCompoundingPeriodInMonthsParamName;
-import static org.apache.fineract.portfolio.savings.DepositsApiConstants.principalAmountParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.principalAmountParamName;
-import static org.apache.fineract.portfolio.savings.DepositsApiConstants.tenureInMonthsParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.tenureInMonthsParamName;
-
+
-import com.google.gson.JsonElement;
+import com.google.gson.JsonElement;
-import java.math.BigDecimal;
+import java.math.BigDecimal;
-import java.math.MathContext;
+import java.math.MathContext;
-import java.util.HashMap;
+import java.math.RoundingMode;
-import lombok.RequiredArgsConstructor;
+import java.time.LocalDate;
-import org.apache.fineract.infrastructure.core.api.JsonQuery;
+import java.time.temporal.ChronoUnit;
-import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import java.util.HashMap;
-import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
+import lombok.RequiredArgsConstructor;
-import org.apache.fineract.portfolio.savings.data.DepositAccountDataValidator;
+import org.apache.fineract.infrastructure.core.api.JsonQuery;
-import org.springframework.stereotype.Service;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
-
+import org.apache.fineract.organisation.monetary.domain.MoneyHelper;
-@Service
+import org.apache.fineract.portfolio.savings.data.DepositAccountDataValidator;
-@RequiredArgsConstructor
+import org.springframework.stereotype.Service;
-public class FixedDepositAccountInterestCalculationServiceImpl implements FixedDepositAccountInterestCalculationService {
+
-
+@Service
-    private final DepositAccountDataValidator depositAccountDataValidator;
+@RequiredArgsConstructor
-    private final FromJsonHelper fromApiJsonHelper;
+public class FixedDepositAccountInterestCalculationServiceImpl implements FixedDepositAccountInterestCalculationService {
-
+
-    @Override
+    private final DepositAccountDataValidator depositAccountDataValidator;
-    public HashMap calculateInterest(JsonQuery query) {
+    private final FromJsonHelper fromApiJsonHelper;
-        depositAccountDataValidator.validateFixedDepositForInterestCalculation(query.json());
+
-        JsonElement element = query.parsedJson();
+    @Override
-        BigDecimal principalAmount = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(principalAmountParamName, element);
+    public HashMap calculateInterest(JsonQuery query) {
-        BigDecimal annualInterestRate = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(annualInterestRateParamName, element);
+        depositAccountDataValidator.validateFixedDepositForInterestCalculation(query.json());
-        Long tenureInMonths = this.fromApiJsonHelper.extractLongNamed(tenureInMonthsParamName, element);
+        JsonElement element = query.parsedJson();
-        Long interestCompoundingPeriodInMonths = this.fromApiJsonHelper.extractLongNamed(interestCompoundingPeriodInMonthsParamName,
+        BigDecimal principalAmount = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(principalAmountParamName, element);
-                element);
+        BigDecimal annualInterestRate = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(annualInterestRateParamName, element);
-        BigDecimal maturityAmount = this.calculateInterestInternal(principalAmount, annualInterestRate, tenureInMonths,
+        Long tenureInMonths = this.fromApiJsonHelper.extractLongNamed(tenureInMonthsParamName, element);
-                interestCompoundingPeriodInMonths);
+        Long interestCompoundingPeriodInMonths = this.fromApiJsonHelper.extractLongNamed(interestCompoundingPeriodInMonthsParamName, element);
-        String warning = "This is an approximate calculated amount - it may vary slightly when the account is created";
+
-
+        // Optional params for exact calendar-based calculation
-        HashMap result = new HashMap<>();
+        LocalDate submittedOnDate = null;
-        result.put("maturityAmount", maturityAmount);
+        try {
-        result.put("warning", warning);
+            final String dateStr = this.fromApiJsonHelper.extractStringNamed("submittedOnDate", element);
-
+            final String dateFormat = this.fromApiJsonHelper.extractStringNamed("dateFormat", element);
-        return result;
+            if (dateStr != null && dateFormat != null) {
-    }
+                submittedOnDate = LocalDate.parse(dateStr, java.time.format.DateTimeFormatter.ofPattern(dateFormat));
-
+            }
-    public BigDecimal calculateInterestInternal(BigDecimal principalAmount, BigDecimal annualInterestRate, Long tenureInMonths,
+        } catch (Exception ignored) {}
-            Long interestCompoundingPeriodInMonths) {
+        Integer daysInYear = null;
-        BigDecimal numberOfCompoundingsPerAnnum = BigDecimal.valueOf(12).divide(BigDecimal.valueOf(interestCompoundingPeriodInMonths));
+        final Long daysInYearLong = this.fromApiJsonHelper.extractLongNamed("daysInYear", element);
-        Long totalNumberOfCompoundings = tenureInMonths / interestCompoundingPeriodInMonths;
+        if (daysInYearLong != null) daysInYear = daysInYearLong.intValue();
-        MathContext mc = MoneyHelper.getMathContext();
+        Long interestPostingPeriodInMonths = this.fromApiJsonHelper.extractLongNamed("interestPostingPeriodInMonths", element);
-        BigDecimal exponentialTerm = annualInterestRate.divide(numberOfCompoundingsPerAnnum, mc).divide(BigDecimal.valueOf(100), mc)
+
-                .add(BigDecimal.valueOf(1)).pow(Math.toIntExact(totalNumberOfCompoundings));
+        BigDecimal maturityAmount;
-        return principalAmount.multiply(exponentialTerm);
+        if (submittedOnDate != null && daysInYear != null && interestPostingPeriodInMonths != null) {
-    }
+            // Exact calendar-based calculation — same algorithm as account creation
-}
+            final LocalDate maturityDate = submittedOnDate.plusMonths(tenureInMonths);
+            maturityAmount = this.calculateExact(principalAmount, annualInterestRate, submittedOnDate, maturityDate,
+                    interestCompoundingPeriodInMonths, interestPostingPeriodInMonths, daysInYear);
+        } else {
+            maturityAmount = this.calculateInterestInternal(principalAmount, annualInterestRate, tenureInMonths,
+                    interestCompoundingPeriodInMonths);
+        }
+
+        HashMap result = new HashMap<>();
+        result.put("maturityAmount", maturityAmount);
+        result.put("totalInterest", maturityAmount.subtract(principalAmount).setScale(2, RoundingMode.HALF_UP));
+
+        return result;
+    }
+
+    /**
+     * Exact calendar-based FD maturity calculation — replicates the PostingPeriod engine
+     * used during actual account creation/activation. Uses actual days per month.
+     */
+    public BigDecimal calculateExact(final BigDecimal principal, final BigDecimal annualRate,
+            final LocalDate submittedOnDate, final LocalDate maturityDate,
+            final long compoundingMonths, final long postingMonths, final int daysInYear) {
+        final MathContext mc = MoneyHelper.getMathContext();
+        BigDecimal balance = principal;
+        LocalDate periodStart = submittedOnDate;
+
+        while (periodStart.isBefore(maturityDate)) {
+            // Determine end of this posting period (based on actual calendar)
+            LocalDate periodEnd;
+            if (postingMonths == 0) {
+                periodEnd = periodStart.plusDays(1);
+            } else {
+                periodEnd = periodStart.plusMonths(postingMonths);
+            }
+            if (periodEnd.isAfter(maturityDate)) {
+                periodEnd = maturityDate;
+            }
+
+            final long daysInPeriod = ChronoUnit.DAYS.between(periodStart, periodEnd);
+
+            if (compoundingMonths == 0) {
+                // Daily compounding — exact: balance × (1 + r/D)^days
+                final double dailyRate = annualRate.doubleValue() / (daysInYear * 100.0);
+                final double multiplier = Math.pow(1.0 + dailyRate, daysInPeriod);
+                balance = balance.multiply(BigDecimal.valueOf(multiplier), mc);
+            } else {
+                // Periodic compounding — interest = balance × rate × days / (daysInYear × 100)
+                final BigDecimal interest = balance
+                        .multiply(annualRate, mc)
+                        .multiply(BigDecimal.valueOf(daysInPeriod), mc)
+                        .divide(BigDecimal.valueOf((long) daysInYear * 100), mc);
+                balance = balance.add(interest);
+            }
+
+            periodStart = periodEnd;
+        }
+
+        return balance.setScale(2, RoundingMode.HALF_UP);
+    }
+
+    public BigDecimal calculateInterestInternal(BigDecimal principalAmount, BigDecimal annualInterestRate, Long tenureInMonths,
+            Long interestCompoundingPeriodInMonths) {
+        if (interestCompoundingPeriodInMonths == null || interestCompoundingPeriodInMonths <= 0) {
+            // Daily compounding fallback: approximate with monthly
+            interestCompoundingPeriodInMonths = 1L;
+        }
+        BigDecimal numberOfCompoundingsPerAnnum = BigDecimal.valueOf(12).divide(BigDecimal.valueOf(interestCompoundingPeriodInMonths));
+        Long totalNumberOfCompoundings = tenureInMonths / interestCompoundingPeriodInMonths;
+        MathContext mc = MoneyHelper.getMathContext();
+        BigDecimal exponentialTerm = annualInterestRate.divide(numberOfCompoundingsPerAnnum, mc).divide(BigDecimal.valueOf(100), mc)
+                .add(BigDecimal.valueOf(1)).pow(Math.toIntExact(totalNumberOfCompoundings));
+        return principalAmount.multiply(exponentialTerm);
+    }
+}

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

@@ -267,13 +267,25 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
             final SavingsAccountData accountData = this.jdbcTemplate.queryForObject(sql, this.savingAccountMapper,
                     new Object[] { accountId }); // NOSONAR
 
-            // Load joint holders
+            // Load joint holders with explicit camelCase keys (queryForList returns lowercase from MySQL)
             if (accountData != null) {
-                final String jointSql = "SELECT jh.id as id, jh.client_id as clientId, jh.cif_number as cifNumber, "
+                final String jointSql = "SELECT jh.id, jh.client_id, jh.cif_number, jh.display_name, "
-                        + "jh.display_name as displayName, jh.share_percentage as sharePercentage, "
+                        + "jh.share_percentage, jh.signing_authority, jh.role, jh.is_primary, jh.is_mandatory "
-                        + "jh.signing_authority as signingAuthority, jh.role as role, jh.is_primary as isPrimary "
+                        + "FROM m_savings_account_joint_holders jh WHERE jh.savings_account_id = ? "
-                        + "FROM m_savings_account_joint_holders jh WHERE jh.savings_account_id = ?";
+                        + "ORDER BY jh.is_primary DESC, jh.id ASC";
-                final List<java.util.Map<String, Object>> jointHolders = this.jdbcTemplate.queryForList(jointSql, accountId);
+                final List<java.util.Map<String, Object>> jointHolders = this.jdbcTemplate.query(jointSql, (rs, rowNum) -> {
+                    final java.util.Map<String, Object> h = new java.util.LinkedHashMap<>();
+                    h.put("id", rs.getLong("id"));
+                    h.put("clientId", rs.getLong("client_id"));
+                    h.put("cifNumber", rs.getString("cif_number"));
+                    h.put("displayName", rs.getString("display_name"));
+                    h.put("sharePercentage", rs.getBigDecimal("share_percentage"));
+                    h.put("signingAuthority", rs.getString("signing_authority"));
+                    h.put("role", rs.getString("role"));
+                    h.put("isPrimary", rs.getBoolean("is_primary"));
+                    h.put("isMandatory", rs.getBoolean("is_mandatory"));
+                    return h;
+                }, accountId);
                 if (!jointHolders.isEmpty()) {
                     accountData.setJointHolders(jointHolders);
                 }