updade code based on the accounting deatils search

fineract-accounting/src/main/java/org/apache/fineract/accounting/journalentry/data/DayWiseSummaryData.java

@@ -0,0 +1,41 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.accounting.journalentry.data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Data;
+import lombok.NoArgsConstructor;
+
+@Data
+@Builder
+@NoArgsConstructor
+@AllArgsConstructor
+public class DayWiseSummaryData {
+
+    private LocalDate date;
+    private BigDecimal openingBalance;
+    private BigDecimal totalDebit;
+    private BigDecimal totalCredit;
+    private BigDecimal netMovement;
+    private BigDecimal closingBalance;
+    private int entryCount;
+}

fineract-accounting/src/main/java/org/apache/fineract/accounting/journalentry/data/GLAccountLedgerReportData.java

@@ -0,0 +1,72 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.accounting.journalentry.data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.List;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Data;
+import lombok.NoArgsConstructor;
+import org.apache.fineract.accounting.glaccount.data.GLAccountData;
+import org.apache.fineract.infrastructure.core.service.Page;
+
+@Data
+@Builder
+@NoArgsConstructor
+@AllArgsConstructor
+public class GLAccountLedgerReportData {
+
+    /** GL Account details (name, code, type, description, usage) */
+    private GLAccountData glAccount;
+
+    /** Balance of the account before the fromDate (0 if no fromDate or no glAccountId) */
+    private BigDecimal openingBalance;
+
+    /** Balance of the account as of toDate = openingBalance + netMovement */
+    private BigDecimal closingBalance;
+
+    /** Sum of all DEBIT entries in the requested period */
+    private BigDecimal totalDebit;
+
+    /** Sum of all CREDIT entries in the requested period */
+    private BigDecimal totalCredit;
+
+    /**
+     * Net movement: for ASSET/EXPENSE (debit-normal) = totalDebit - totalCredit;
+     * for LIABILITY/INCOME/EQUITY (credit-normal) = totalCredit - totalDebit
+     */
+    private BigDecimal netMovement;
+
+    /** true for ASSET and EXPENSE accounts (debit-normal balance convention) */
+    private boolean debitNormal;
+
+    private LocalDate fromDate;
+    private LocalDate toDate;
+
+    /** Day-wise breakdown of balances for the period */
+    private List<DayWiseSummaryData> dayWiseSummary;
+
+    /** Total number of journal entries matching the filter (for the KPI card) */
+    private long totalEntries;
+
+    /** Paginated journal entries for the period */
+    private Page<JournalEntryData> entries;
+}

fineract-accounting/src/main/java/org/apache/fineract/accounting/journalentry/service/JournalEntryReadPlatformService.java

@@ -19,6 +19,7 @@
 package org.apache.fineract.accounting.journalentry.service;
 
 import java.time.LocalDate;
+import org.apache.fineract.accounting.journalentry.data.GLAccountLedgerReportData;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryAssociationParametersData;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryData;
 import org.apache.fineract.accounting.journalentry.data.OfficeOpeningBalancesData;
@@ -36,4 +37,11 @@ public interface JournalEntryReadPlatformService {
     OfficeOpeningBalancesData retrieveOfficeOpeningBalances(Long officeId, String currencyCode);
 
     Page<JournalEntryData> retrieveJournalEntriesByEntityId(String transactionId, Long entityId, Integer entityType);
+
+    /**
+     * CBS GL Ledger Report: returns opening balance, day-wise summary, and paginated entries for a GL account.
+     * Opening balance is computed as the net balance of all entries before fromDate.
+     */
+    GLAccountLedgerReportData retrieveGLAccountLedger(Long glAccountId, Long officeId, Boolean onlyManualEntries,
+            LocalDate fromDate, LocalDate toDate, String transactionId, SearchParameters searchParameters);
 }

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/api/JournalEntriesApiResource.java

@@ -44,6 +44,7 @@ import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.accounting.journalentry.command.JournalEntryCommand;
+import org.apache.fineract.accounting.journalentry.data.GLAccountLedgerReportData;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryAssociationParametersData;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryData;
 import org.apache.fineract.accounting.journalentry.data.OfficeOpeningBalancesData;
@@ -268,6 +269,57 @@ public class JournalEntriesApiResource {
         return this.apiJsonSerializerService.serialize(settings, officeOpeningBalancesData);
     }
 
+    /**
+     * CBS GL Account Ledger Report — returns opening balance, day-wise summary,
+     * period totals, and paginated entries for a given GL account and date range.
+     *
+     * GET /journalentries/ledger?glAccountId=5&fromDate=01 Jan 2025&toDate=31 Jan 2025&dateFormat=dd MMM yyyy&locale=en
+     */
+    @GET
+    @Path("ledger")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "GL Account Ledger Report",
+            description = "Returns opening balance, day-wise running balance summary, period totals, and paginated journal entries for a GL account.")
+    public String retrieveGLAccountLedger(@Context final UriInfo uriInfo,
+            @QueryParam("glAccountId") @Parameter(description = "glAccountId") final Long glAccountId,
+            @QueryParam("officeId") @Parameter(description = "officeId") final Long officeId,
+            @QueryParam("manualEntriesOnly") @Parameter(description = "manualEntriesOnly") final Boolean onlyManualEntries,
+            @QueryParam("fromDate") @Parameter(description = "fromDate") final DateParam fromDateParam,
+            @QueryParam("toDate") @Parameter(description = "toDate") final DateParam toDateParam,
+            @QueryParam("transactionId") @Parameter(description = "transactionId") final String transactionId,
+            @QueryParam("offset") @Parameter(description = "offset") final Integer offset,
+            @QueryParam("limit") @Parameter(description = "limit") final Integer limit,
+            @QueryParam("orderBy") @Parameter(description = "orderBy") final String orderBy,
+            @QueryParam("sortOrder") @Parameter(description = "sortOrder") final String sortOrder,
+            @QueryParam("locale") @Parameter(description = "locale") final String locale,
+            @QueryParam("dateFormat") @Parameter(description = "dateFormat") final String rawDateFormat) {
+
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSION);
+
+        final DateFormat dateFormat = StringUtils.isBlank(rawDateFormat) ? null : new DateFormat(rawDateFormat);
+        LocalDate fromDate = null;
+        if (fromDateParam != null) {
+            fromDate = fromDateParam.getDate("fromDate", dateFormat, locale);
+        }
+        LocalDate toDate = null;
+        if (toDateParam != null) {
+            toDate = toDateParam.getDate("toDate", dateFormat, locale);
+        }
+
+        sqlValidator.validate(orderBy);
+        sqlValidator.validate(sortOrder);
+        final SearchParameters searchParameters = SearchParameters.builder()
+                .limit(limit).officeId(officeId).offset(offset)
+                .orderBy(orderBy).sortOrder(sortOrder).build();
+
+        final GLAccountLedgerReportData ledgerData = this.journalEntryReadPlatformService
+                .retrieveGLAccountLedger(glAccountId, officeId, onlyManualEntries, fromDate, toDate, transactionId, searchParameters);
+
+        final ApiRequestJsonSerializationSettings settings = this.apiRequestParameterHelper.process(uriInfo.getQueryParameters());
+        return this.apiJsonSerializerService.serialize(settings, ledgerData);
+    }
+
     private boolean is(final String commandParam, final String commandValue) {
         return StringUtils.isNotBlank(commandParam) && commandParam.trim().equalsIgnoreCase(commandValue);
     }

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/JournalEntryReadPlatformServiceImpl.java

@@ -28,6 +28,7 @@ import java.time.OffsetDateTime;
 import java.util.ArrayList;
 import java.util.Arrays;
 import java.util.List;
+import java.util.Map;
 import java.util.Objects;
 import lombok.RequiredArgsConstructor;
 import org.apache.commons.lang3.StringUtils;
@@ -37,6 +38,8 @@ import org.apache.fineract.accounting.financialactivityaccount.domain.FinancialA
 import org.apache.fineract.accounting.glaccount.data.GLAccountData;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
 import org.apache.fineract.accounting.glaccount.service.GLAccountReadPlatformService;
+import org.apache.fineract.accounting.journalentry.data.DayWiseSummaryData;
+import org.apache.fineract.accounting.journalentry.data.GLAccountLedgerReportData;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryAssociationParametersData;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryData;
 import org.apache.fineract.accounting.journalentry.data.OfficeOpeningBalancesData;
@@ -213,16 +216,20 @@ public class JournalEntryReadPlatformServiceImpl implements JournalEntryReadPlat
 
                 TransactionTypeEnumData transactionTypeEnumData = null;
 
-                if (PortfolioAccountType.fromInt(entityTypeId).isLoanAccount()) {
-                    final LoanTransactionEnumData loanTransactionType = LoanEnumerations
-                            .transactionType(JdbcSupport.getInteger(rs, "loanTransactionType"));
-                    transactionTypeEnumData = new TransactionTypeEnumData(loanTransactionType.getId(), loanTransactionType.getCode(),
-                            loanTransactionType.getValue());
-                } else if (PortfolioAccountType.fromInt(entityTypeId).isSavingsAccount()) {
-                    final SavingsAccountTransactionEnumData savingsTransactionType = SavingsEnumerations
-                            .transactionType(JdbcSupport.getInteger(rs, "savingsTransactionType"));
-                    transactionTypeEnumData = new TransactionTypeEnumData(savingsTransactionType.getId(), savingsTransactionType.getCode(),
-                            savingsTransactionType.getValue());
+                if (entityTypeId != null && PortfolioAccountType.fromInt(entityTypeId).isLoanAccount()) {
+                    final Integer loanTxnTypeId = JdbcSupport.getInteger(rs, "loanTransactionType");
+                    if (loanTxnTypeId != null) {
+                        final LoanTransactionEnumData loanTransactionType = LoanEnumerations.transactionType(loanTxnTypeId);
+                        transactionTypeEnumData = new TransactionTypeEnumData(loanTransactionType.getId(), loanTransactionType.getCode(),
+                                loanTransactionType.getValue());
+                    }
+                } else if (entityTypeId != null && PortfolioAccountType.fromInt(entityTypeId).isSavingsAccount()) {
+                    final Integer savingsTxnTypeId = JdbcSupport.getInteger(rs, "savingsTransactionType");
+                    if (savingsTxnTypeId != null) {
+                        final SavingsAccountTransactionEnumData savingsTransactionType = SavingsEnumerations.transactionType(savingsTxnTypeId);
+                        transactionTypeEnumData = new TransactionTypeEnumData(savingsTransactionType.getId(), savingsTransactionType.getCode(),
+                                savingsTransactionType.getValue());
+                    }
                 }
 
                 transactionDetailData = new TransactionDetailData(transaction, paymentDetailData, noteData, transactionTypeEnumData);
@@ -539,4 +546,212 @@ public class JournalEntryReadPlatformServiceImpl implements JournalEntryReadPlat
             throw new JournalEntriesNotFoundException(entityId, e);
         }
     }
+
+    @Override
+    public GLAccountLedgerReportData retrieveGLAccountLedger(final Long glAccountId, final Long officeId,
+            final Boolean onlyManualEntries, final LocalDate fromDate, final LocalDate toDate,
+            final String transactionId, final SearchParameters searchParameters) {
+
+        // ── 1. Fetch GL Account details ──────────────────────────────────────
+        GLAccountData glAccountData = null;
+        boolean isDebitNormal = true; // ASSET / EXPENSE = debit-normal
+        if (glAccountId != null && glAccountId > 0) {
+            glAccountData = this.glAccountReadPlatformService.retrieveGLAccountById(glAccountId,
+                    new JournalEntryAssociationParametersData());
+            if (glAccountData != null && glAccountData.getType() != null) {
+                final int typeId = glAccountData.getType().getId().intValue();
+                // 1=ASSET, 2=LIABILITY, 3=EQUITY, 4=INCOME, 5=EXPENSE
+                isDebitNormal = (typeId == 1 || typeId == 5);
+            }
+        }
+
+        // ── 2. Compute opening balance (all entries before fromDate) ─────────
+        BigDecimal openingBalance = BigDecimal.ZERO;
+        if (glAccountId != null && glAccountId > 0 && fromDate != null) {
+            final List<Object> obParams = new ArrayList<>();
+            final StringBuilder obSql = new StringBuilder(
+                    "SELECT COALESCE(SUM(CASE WHEN je.type_enum = 2 THEN je.amount ELSE 0 END), 0) AS ob_debit, "
+                    + "COALESCE(SUM(CASE WHEN je.type_enum = 1 THEN je.amount ELSE 0 END), 0) AS ob_credit "
+                    + "FROM acc_gl_journal_entry je "
+                    + "WHERE je.account_id = ? AND je.entry_date < ?");
+            obParams.add(glAccountId);
+            obParams.add(fromDate);
+            if (officeId != null && officeId > 0) {
+                obSql.append(" AND je.office_id = ?");
+                obParams.add(officeId);
+            }
+            final BigDecimal[] ob = this.jdbcTemplate.queryForObject(obSql.toString(),
+                    (rs, rowNum) -> new BigDecimal[]{
+                        Objects.requireNonNullElse(rs.getBigDecimal("ob_debit"),  BigDecimal.ZERO),
+                        Objects.requireNonNullElse(rs.getBigDecimal("ob_credit"), BigDecimal.ZERO)
+                    }, obParams.toArray());
+            if (ob != null) {
+                openingBalance = isDebitNormal ? ob[0].subtract(ob[1]) : ob[1].subtract(ob[0]);
+            }
+        }
+
+        // ── 3. Day-wise summary for the period ───────────────────────────────
+        final List<DayWiseSummaryData> dayWiseSummary = new ArrayList<>();
+        {
+            final List<Object> dwParams = new ArrayList<>();
+            final StringBuilder dwSql = new StringBuilder(
+                    "SELECT je.entry_date AS dw_date, "
+                    + "COALESCE(SUM(CASE WHEN je.type_enum = 2 THEN je.amount ELSE 0 END), 0) AS dw_debit, "
+                    + "COALESCE(SUM(CASE WHEN je.type_enum = 1 THEN je.amount ELSE 0 END), 0) AS dw_credit, "
+                    + "COUNT(*) AS dw_count "
+                    + "FROM acc_gl_journal_entry je "
+                    + "WHERE 1=1");
+            if (glAccountId != null && glAccountId > 0) {
+                dwSql.append(" AND je.account_id = ?");
+                dwParams.add(glAccountId);
+            }
+            if (officeId != null && officeId > 0) {
+                dwSql.append(" AND je.office_id = ?");
+                dwParams.add(officeId);
+            }
+            if (fromDate != null) {
+                dwSql.append(" AND je.entry_date >= ?");
+                dwParams.add(fromDate);
+            }
+            if (toDate != null) {
+                dwSql.append(" AND je.entry_date <= ?");
+                dwParams.add(toDate);
+            }
+            if (onlyManualEntries != null && onlyManualEntries) {
+                dwSql.append(" AND je.manual_entry = true");
+            }
+            dwSql.append(" GROUP BY je.entry_date ORDER BY je.entry_date ASC");
+
+            final boolean debitNormalFinal = isDebitNormal;
+            final List<Map<String, Object>> rows = this.jdbcTemplate.queryForList(dwSql.toString(), dwParams.toArray());
+
+            BigDecimal running = openingBalance;
+            for (final Map<String, Object> row : rows) {
+                // Handle both java.sql.Date (older drivers) and java.time.LocalDate (newer drivers)
+                final Object rawDate = row.get("dw_date");
+                LocalDate date;
+                if (rawDate instanceof LocalDate) {
+                    date = (LocalDate) rawDate;
+                } else if (rawDate instanceof java.sql.Date) {
+                    date = ((java.sql.Date) rawDate).toLocalDate();
+                } else {
+                    date = LocalDate.parse(String.valueOf(rawDate).substring(0, 10));
+                }
+                final BigDecimal dr    = Objects.requireNonNullElse((BigDecimal) row.get("dw_debit"),  BigDecimal.ZERO);
+                final BigDecimal cr    = Objects.requireNonNullElse((BigDecimal) row.get("dw_credit"), BigDecimal.ZERO);
+                final int count        = ((Number) row.get("dw_count")).intValue();
+                final BigDecimal net   = debitNormalFinal ? dr.subtract(cr) : cr.subtract(dr);
+                final BigDecimal closing = running.add(net);
+                dayWiseSummary.add(DayWiseSummaryData.builder()
+                        .date(date)
+                        .openingBalance(running)
+                        .totalDebit(dr)
+                        .totalCredit(cr)
+                        .netMovement(net)
+                        .closingBalance(closing)
+                        .entryCount(count)
+                        .build());
+                running = closing;
+            }
+        }
+
+        // ── 4. Paginated journal entries — only fetch if limit > 0 ───────────
+        final JournalEntryAssociationParametersData assocParams = new JournalEntryAssociationParametersData(true, true);
+        final int reqLimit = searchParameters != null && searchParameters.getLimit() != null
+                ? searchParameters.getLimit() : 0;
+        final Page<JournalEntryData> entries;
+        if (reqLimit > 0) {
+            entries = retrieveAll(searchParameters, glAccountId, onlyManualEntries,
+                    fromDate, toDate, null, null, transactionId, null, assocParams);
+        } else {
+            // Summary-only request — return empty page, no SQL needed
+            entries = new Page<>(new ArrayList<>(), 0);
+        }
+
+        // ── 5. Compute period totals ─────────────────────────────────────────
+        BigDecimal totalDebit = BigDecimal.ZERO;
+        BigDecimal totalCredit = BigDecimal.ZERO;
+        {
+            final List<Object> totParams = new ArrayList<>();
+            final StringBuilder totSql = new StringBuilder(
+                    "SELECT COALESCE(SUM(CASE WHEN je.type_enum = 2 THEN je.amount ELSE 0 END), 0) AS totalDebit, "
+                    + "COALESCE(SUM(CASE WHEN je.type_enum = 1 THEN je.amount ELSE 0 END), 0) AS totalCredit "
+                    + "FROM acc_gl_journal_entry je WHERE 1=1");
+            if (glAccountId != null && glAccountId > 0) {
+                totSql.append(" AND je.account_id = ?");
+                totParams.add(glAccountId);
+            }
+            if (officeId != null && officeId > 0) {
+                totSql.append(" AND je.office_id = ?");
+                totParams.add(officeId);
+            }
+            if (fromDate != null) {
+                totSql.append(" AND je.entry_date >= ?");
+                totParams.add(fromDate);
+            }
+            if (toDate != null) {
+                totSql.append(" AND je.entry_date <= ?");
+                totParams.add(toDate);
+            }
+            if (onlyManualEntries != null && onlyManualEntries) {
+                totSql.append(" AND je.manual_entry = true");
+            }
+            final BigDecimal[] totResult = this.jdbcTemplate.queryForObject(totSql.toString(),
+                    (rs, rowNum) -> new BigDecimal[]{
+                        Objects.requireNonNullElse(rs.getBigDecimal("totalDebit"),  BigDecimal.ZERO),
+                        Objects.requireNonNullElse(rs.getBigDecimal("totalCredit"), BigDecimal.ZERO)
+                    }, totParams.toArray());
+            if (totResult != null) {
+                totalDebit  = totResult[0];
+                totalCredit = totResult[1];
+            }
+        }
+
+        final BigDecimal netMovement = isDebitNormal ? totalDebit.subtract(totalCredit) : totalCredit.subtract(totalDebit);
+        final BigDecimal closingBalance = openingBalance.add(netMovement);
+
+        // ── 6. Total entries count ────────────────────────────────────────────
+        long totalEntries = 0L;
+        {
+            final List<Object> cntParams = new ArrayList<>();
+            final StringBuilder cntSql = new StringBuilder(
+                    "SELECT COUNT(*) FROM acc_gl_journal_entry je WHERE 1=1");
+            if (glAccountId != null && glAccountId > 0) {
+                cntSql.append(" AND je.account_id = ?");
+                cntParams.add(glAccountId);
+            }
+            if (officeId != null && officeId > 0) {
+                cntSql.append(" AND je.office_id = ?");
+                cntParams.add(officeId);
+            }
+            if (fromDate != null) {
+                cntSql.append(" AND je.entry_date >= ?");
+                cntParams.add(fromDate);
+            }
+            if (toDate != null) {
+                cntSql.append(" AND je.entry_date <= ?");
+                cntParams.add(toDate);
+            }
+            if (onlyManualEntries != null && onlyManualEntries) {
+                cntSql.append(" AND je.manual_entry = true");
+            }
+            final Long cnt = this.jdbcTemplate.queryForObject(cntSql.toString(), Long.class, cntParams.toArray());
+            if (cnt != null) { totalEntries = cnt; }
+        }
+
+        return GLAccountLedgerReportData.builder()
+                .glAccount(glAccountData)
+                .openingBalance(openingBalance)
+                .closingBalance(closingBalance)
+                .totalDebit(totalDebit)
+                .totalCredit(totalCredit)
+                .netMovement(netMovement)
+                .debitNormal(isDebitNormal)
+                .fromDate(fromDate)
+                .toDate(toDate)
+                .dayWiseSummary(dayWiseSummary)
+                .totalEntries(totalEntries)
+                .entries(entries)
+                .build();
+    }
 }

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

@@ -595,26 +595,29 @@ public class CurrentAccountWritePlatformServiceImpl implements CurrentAccountWri
                 return;
             }
 
-            final String transactionRef = "CA" + account.getId();
+            // Deposit uses CA{accountId} as transaction ref (one per activation)
+            final String depositRef = "CA" + account.getId();
 
             // Deposits: DR SAVINGS_REFERENCE (cash in), CR SAVINGS_CONTROL (liability)
             if (depositTxns != null) {
                 for (final org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction txn : depositTxns) {
                     if (txn.getId() == null || txn.getAmount() == null) continue;
-                    postEntry(account, cashAccount, JournalEntryType.DEBIT, txn.getAmount(), txn.getTransactionDate(), transactionRef);
-                    postEntry(account, controlAccount, JournalEntryType.CREDIT, txn.getAmount(), txn.getTransactionDate(), transactionRef);
+                    postEntry(account, cashAccount, JournalEntryType.DEBIT, txn.getAmount(), txn.getTransactionDate(), depositRef);
+                    postEntry(account, controlAccount, JournalEntryType.CREDIT, txn.getAmount(), txn.getTransactionDate(), depositRef);
                     log.info("[GL] Deposit GL posted for account id={}, amount={}", account.getId(), txn.getAmount());
                 }
             }
 
-            // Charges: DR SAVINGS_CONTROL (liability reduced), CR INCOME_FROM_FEES
+            // Charges: each charge gets its own transaction ref = "CAC" + txn.getId()
+            // so each charge appears as a separate transaction in journal entries
             if (chargeEntries != null && feeIncomeAccount != null) {
                 for (final ChargeGlEntry entry : chargeEntries) {
                     final org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction txn = entry.txn();
                     if (txn.getId() == null || txn.getAmount() == null) continue;
-                    postEntry(account, controlAccount, JournalEntryType.DEBIT, txn.getAmount(), txn.getTransactionDate(), transactionRef);
-                    postEntry(account, feeIncomeAccount, JournalEntryType.CREDIT, txn.getAmount(), txn.getTransactionDate(), transactionRef);
-                    log.info("[GL] Charge GL posted for account id={}, charge={}, amount={}", account.getId(), entry.charge().getCharge().getName(), txn.getAmount());
+                    final String chargeRef = "CAC" + txn.getId();
+                    postEntry(account, controlAccount, JournalEntryType.DEBIT, txn.getAmount(), txn.getTransactionDate(), chargeRef);
+                    postEntry(account, feeIncomeAccount, JournalEntryType.CREDIT, txn.getAmount(), txn.getTransactionDate(), chargeRef);
+                    log.info("[GL] Charge GL posted for account id={}, charge={}, amount={}, ref={}", account.getId(), entry.charge().getCharge().getName(), txn.getAmount(), chargeRef);
                 }
             }
         } catch (Exception e) {