diff --git a/fineract-provider/src/main/resources/application.properties b/fineract-provider/src/main/resources/application.properties
index ec8a19aa5..f78e18d81 100644
--- a/fineract-provider/src/main/resources/application.properties
+++ b/fineract-provider/src/main/resources/application.properties
@@ -46,7 +46,7 @@ fineract.security.oauth2.client.registrations.frontend-client.require-authorizat
 fineract.tenant.host=${FINERACT_DEFAULT_TENANTDB_HOSTNAME:localhost}
 fineract.tenant.port=${FINERACT_DEFAULT_TENANTDB_PORT:5432}
 fineract.tenant.username=${FINERACT_DEFAULT_TENANTDB_UID:postgres}
-fineract.tenant.password=${FINERACT_DEFAULT_TENANTDB_PWD:anshul@9009}
+fineract.tenant.password=${FINERACT_DEFAULT_TENANTDB_PWD:313863}
 fineract.tenant.parameters=${FINERACT_DEFAULT_TENANTDB_CONN_PARAMS:}
 fineract.tenant.timezone=${FINERACT_DEFAULT_TENANTDB_TIMEZONE:Asia/Kolkata}
 fineract.tenant.identifier=${FINERACT_DEFAULT_TENANTDB_IDENTIFIER:default}
@@ -407,7 +407,7 @@ server.tomcat.mbeanregistry.enabled=${FINERACT_SERVER_TOMCAT_MBEANREGISTRY_ENABL
 spring.datasource.hikari.driverClassName=${FINERACT_HIKARI_DRIVER_SOURCE_CLASS_NAME:org.postgresql.Driver}
 spring.datasource.hikari.jdbcUrl=${FINERACT_HIKARI_JDBC_URL:jdbc:postgresql://localhost:5432/fineract_tenants}
 spring.datasource.hikari.username=${FINERACT_HIKARI_USERNAME:postgres}
-spring.datasource.hikari.password=${FINERACT_HIKARI_PASSWORD:anshul@9009}
+spring.datasource.hikari.password=${FINERACT_HIKARI_PASSWORD:313863}
 spring.datasource.hikari.minimumIdle=${FINERACT_HIKARI_MINIMUM_IDLE:3}
 spring.datasource.hikari.maximumPoolSize=${FINERACT_HIKARI_MAXIMUM_POOL_SIZE:10}
 spring.datasource.hikari.idleTimeout=${FINERACT_HIKARI_IDLE_TIMEOUT:60000}
diff --git a/fineract-provider/src/main/resources/db/changelog/tenant/parts/0345_add_sponsor_dd_payable_gl_account_sbi.xml b/fineract-provider/src/main/resources/db/changelog/tenant/parts/0345_add_sponsor_dd_payable_gl_account_sbi.xml
index 09ae13f0c..b690a34c3 100644
--- a/fineract-provider/src/main/resources/db/changelog/tenant/parts/0345_add_sponsor_dd_payable_gl_account_sbi.xml
+++ b/fineract-provider/src/main/resources/db/changelog/tenant/parts/0345_add_sponsor_dd_payable_gl_account_sbi.xml
@@ -23,24 +23,32 @@
 
     <!-- Dedicated liability GL account for the Sponsor DD Payable balance owed to SBI, as a child
          of the existing "OTHER LIABILITY" account (gl_code 9), matching the pattern already used
-         by "INTEREST PAYABLE" (gl_code 9.2). -->
-    <changeSet author="fineract" id="0345-1-insert-sponsor-dd-payable-sbi-gl-account">
+         by "INTEREST PAYABLE" (gl_code 9.2).
+
+         parent_id is resolved by gl_code (not hardcoded) — the "OTHER LIABILITY" row's numeric id
+         is an auto-increment value that depends on each tenant's own insert history, so a
+         hardcoded id (previously 22) only happened to match the `default` tenant and broke FK
+         inserts on any tenant whose chart of accounts was seeded differently (e.g. `saga`), which
+         aborted that tenant's whole Liquibase run — and with it, the entire application startup.
+         runOnChange lets this corrected version safely re-validate on tenants where the old,
+         already-recorded version succeeded: the "gl_code 9.3 doesn't exist yet" precondition below
+         is already false there, so it's skipped rather than re-inserted. -->
+    <changeSet author="fineract" id="0345-1-insert-sponsor-dd-payable-sbi-gl-account" runOnChange="true">
         <preConditions onFail="MARK_RAN">
-            <not>
-                <sqlCheck expectedResult="1">select count(*) from acc_gl_account where gl_code = '9.3'</sqlCheck>
-            </not>
+            <and>
+                <not>
+                    <sqlCheck expectedResult="1">select count(*) from acc_gl_account where gl_code = '9.3'</sqlCheck>
+                </not>
+                <sqlCheck expectedResult="1">select count(*) from acc_gl_account where gl_code = '9'</sqlCheck>
+            </and>
         </preConditions>
-        <insert tableName="acc_gl_account">
-            <column name="name" value="Sponsor DD Payable - SBI"/>
-            <column name="gl_code" value="9.3"/>
-            <column name="parent_id" valueNumeric="22"/>
-            <column name="hierarchy" value="."/>
-            <column name="account_usage" valueNumeric="1"/>
-            <column name="classification_enum" valueNumeric="2"/>
-            <column name="disabled" valueBoolean="false"/>
-            <column name="manual_journal_entries_allowed" valueBoolean="true"/>
-            <column name="description" value="Liability owed to SBI for sponsor bank demand drafts issued on their behalf, pending clearing."/>
-        </insert>
+        <sql>
+            INSERT INTO acc_gl_account (name, gl_code, parent_id, hierarchy, account_usage, classification_enum, disabled, manual_journal_entries_allowed, description)
+            SELECT 'Sponsor DD Payable - SBI', '9.3', parent.id, '.', 1, 2, FALSE, TRUE,
+                   'Liability owed to SBI for sponsor bank demand drafts issued on their behalf, pending clearing.'
+            FROM acc_gl_account parent
+            WHERE parent.gl_code = '9';
+        </sql>
     </changeSet>
 
     <!-- Fineract's GL hierarchy path embeds the row's own auto-generated id, so it can only be