feat(cashier): maker-checker on cash transfer

Cash no longer leaves the vault on one person's say-so. The allocation to a cashier is raised as a request and
posted only when a different manager or head cashier approves it.

- POST /cashtransfer/requests raises the request after every vault check (total and note by note); the same
  checks run again at approval, since the vault can change in between.
- Approve posts the transfer exactly as the direct one did and records it against the maker; reject needs a
  reason; the maker cannot approve their own request.
- An identical request from the same maker is refused while the first is still pending.
- The direct POST /cashtransfer is closed so the approval cannot be bypassed.
- Migration 0603 adds m_cash_transfer_request; m_cash_transfer and every position query are unchanged.

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandSourceService.java

@@ -157,19 +157,35 @@ public class CommandSourceService {
         }
         if ("GLACCOUNT".equalsIgnoreCase(commandSource.getEntityName())
                 || "CBSBASEINTERESTRATE".equalsIgnoreCase(commandSource.getEntityName())
+                || "LOANBASEINTERESTRATE".equalsIgnoreCase(commandSource.getEntityName())
+                || "DELINQUENCY_BUCKET".equalsIgnoreCase(commandSource.getEntityName())
+                || "DELINQUENCY_RANGE".equalsIgnoreCase(commandSource.getEntityName())
                 || "CHARGE".equalsIgnoreCase(commandSource.getEntityName())
                 || "LOANPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "SAVINGSPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "CURRENTPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "SHAREPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "FIXEDDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "RECURRINGDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "USER".equalsIgnoreCase(commandSource.getEntityName())
-                || "ROLE".equalsIgnoreCase(commandSource.getEntityName())) {
+                || "ROLE".equalsIgnoreCase(commandSource.getEntityName())
+                || isDdsEntity(commandSource.getEntityName())) {
             return false;
         }
         return true;
     }
 
+    /**
+     * The DDS module's maker-checker entities. A super user's DDS work goes to a checker like anyone
+     * else's: DDS moves customers' money, and every such move is to be approved by a second person.
+     */
+    public static boolean isDdsEntity(final String entityName) {
+        return entityName != null && switch (entityName.toUpperCase()) {
+            case "PARTY", "AGENT", "PARTYTRANSACTION", "DDSACCOUNTTYPE", "COMMISSIONSLAB", "DDSBATCH", "DDSCOLLECTIONENTRY" -> true;
+            default -> false;
+        };
+    }
+
     private void sanitizeJson(@NonNull CommandSource commandSource, Set<String> sanitizeKeys) {
         if (sanitizeKeys == null || sanitizeKeys.isEmpty()) {
             return;

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandWrapperBuilder.java

@@ -664,6 +664,167 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createAgent() {
+        this.actionName = "CREATE";
+        this.entityName = "AGENT";
+        this.entityId = null;
+        this.href = "/dds/agents/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateAgent(final Long agentId) {
+        this.actionName = "UPDATE";
+        this.entityName = "AGENT";
+        this.entityId = agentId;
+        this.href = "/dds/agents/" + agentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder closeAgent(final Long agentId) {
+        this.actionName = "CLOSE";
+        this.entityName = "AGENT";
+        this.entityId = agentId;
+        this.href = "/dds/agents/" + agentId + "?command=close";
+        return this;
+    }
+
+    public CommandWrapperBuilder createParty() {
+        this.actionName = "CREATE";
+        this.entityName = "PARTY";
+        this.entityId = null;
+        this.href = "/dds/parties/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateParty(final Long partyId) {
+        this.actionName = "UPDATE";
+        this.entityName = "PARTY";
+        this.entityId = partyId;
+        this.href = "/dds/parties/" + partyId;
+        return this;
+    }
+
+    public CommandWrapperBuilder closeParty(final Long partyId) {
+        this.actionName = "CLOSE";
+        this.entityName = "PARTY";
+        this.entityId = partyId;
+        this.href = "/dds/parties/" + partyId + "?command=close";
+        return this;
+    }
+
+    /**
+     * Pays a matured DDS account out and closes it. A separate action from CLOSE because it moves
+     * money, and so is worth its own permission and its own line in the audit trail.
+     */
+    public CommandWrapperBuilder payOutParty(final Long partyId) {
+        this.actionName = "PAYOUT";
+        this.entityName = "PARTY";
+        this.entityId = partyId;
+        this.href = "/dds/parties/" + partyId + "?command=payout";
+        return this;
+    }
+
+    /**
+     * Closes a DDS account before its term is up, settling the shortfall against the customer or the
+     * agent. Separate from both CLOSE and PAYOUT because it is the only one of the three that changes
+     * what a customer is owed, so a bank will want it approved by someone other than whoever raised it.
+     */
+    public CommandWrapperBuilder prematureCloseParty(final Long partyId) {
+        this.actionName = "PREMATURECLOSE";
+        this.entityName = "PARTY";
+        this.entityId = partyId;
+        this.href = "/dds/parties/" + partyId + "?command=prematureclose";
+        return this;
+    }
+
+    public CommandWrapperBuilder prematureCloseOverrideParty(final Long partyId) {
+        this.actionName = "PREMATURECLOSEOVERRIDE";
+        this.entityName = "PARTY";
+        this.entityId = partyId;
+        this.href = "/dds/parties/" + partyId + "?command=prematurecloseoverride";
+        return this;
+    }
+
+    public CommandWrapperBuilder createDdsAccountType() {
+        this.actionName = "CREATE";
+        this.entityName = "DDSACCOUNTTYPE";
+        this.entityId = null;
+        this.href = "/dds/accounttypes/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateDdsAccountType(final Long accountTypeId) {
+        this.actionName = "UPDATE";
+        this.entityName = "DDSACCOUNTTYPE";
+        this.entityId = accountTypeId;
+        this.href = "/dds/accounttypes/" + accountTypeId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createPartyTransaction() {
+        this.actionName = "CREATE";
+        this.entityName = "PARTYTRANSACTION";
+        this.entityId = null;
+        this.href = "/dds/partytransactions/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder createDdsCollectionEntries() {
+        this.actionName = "CREATE";
+        this.entityName = "DDSCOLLECTIONENTRY";
+        this.entityId = null;
+        this.href = "/dds/collectionentries/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder cancelDdsCollectionEntry(final Long entryId) {
+        this.actionName = "CANCEL";
+        this.entityName = "DDSCOLLECTIONENTRY";
+        this.entityId = entryId;
+        this.href = "/dds/collectionentries/" + entryId;
+        return this;
+    }
+
+    public CommandWrapperBuilder settleDdsCollectionEntries() {
+        this.actionName = "SETTLE";
+        this.entityName = "DDSCOLLECTIONENTRY";
+        this.entityId = null;
+        this.href = "/dds/collectionentries/settle";
+        return this;
+    }
+
+    public CommandWrapperBuilder createCommissionSlabs() {
+        this.actionName = "CREATE";
+        this.entityName = "COMMISSIONSLAB";
+        this.entityId = null;
+        this.href = "/dds/commissionslabs/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateCommissionSlab(final Long slabId) {
+        this.actionName = "UPDATE";
+        this.entityName = "COMMISSIONSLAB";
+        this.entityId = slabId;
+        this.href = "/dds/commissionslabs/" + slabId;
+        return this;
+    }
+
+    public CommandWrapperBuilder generateDdsBatchRun() {
+        this.actionName = "GENERATE";
+        this.entityName = "DDSBATCH";
+        this.entityId = null;
+        this.href = "/dds/batchruns/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder postDdsBatchRun(final Long batchRunId) {
+        this.actionName = "POST";
+        this.entityName = "DDSBATCH";
+        this.entityId = batchRunId;
+        this.href = "/dds/batchruns/" + batchRunId;
+        return this;
+    }
+
     public CommandWrapperBuilder deleteOffice(final Long officeId) {
         this.actionName = "DELETE";
         this.entityName = "OFFICE";
@@ -2299,6 +2460,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createLoanBaseInterestRate() {
+        this.actionName = "CREATE";
+        this.entityName = "LOANBASEINTERESTRATE";
+        this.entityId = null;
+        this.href = "/loanproducts/baseinterestrates";
+        return this;
+    }
+
     public CommandWrapperBuilder updateFixedDepositProduct(final Long productId) {
         this.actionName = "UPDATE";
         this.entityName = "FIXEDDEPOSITPRODUCT";
@@ -3157,6 +3326,15 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder extendTenureRecurringDepositAccount(final Long accountId) {
+        this.actionName = "EXTENDTENURE";
+        this.entityName = "RECURRINGDEPOSITACCOUNT";
+        this.entityId = accountId;
+        this.savingsId = accountId;
+        this.href = "/recurringdepositaccounts/" + accountId + "?command=extendTenure";
+        return this;
+    }
+
     public CommandWrapperBuilder prematureCloseRecurringDepositAccount(final Long accountId) {
         this.actionName = "PREMATURECLOSE";
         this.entityName = "RECURRINGDEPOSITACCOUNT";

fineract-core/src/main/java/org/apache/fineract/commands/service/PortfolioCommandSourceWritePlatformServiceImpl.java

@@ -123,7 +123,9 @@ public class PortfolioCommandSourceWritePlatformServiceImpl implements Portfolio
         AppUser appUser = this.context.authenticatedUser();
         String permissionCode = commandSource.getPermissionCode();
         appUser.validateHasCheckerPermissionTo(permissionCode);
-        if (!configurationService.isSameMakerCheckerEnabled() && !appUser.isCheckerSuperUser()) {
+        // A DDS entry is never checked by the user who made it, super user or not - see CommandSourceService.isDdsEntity.
+        if (!configurationService.isSameMakerCheckerEnabled()
+                && (!appUser.isCheckerSuperUser() || CommandSourceService.isDdsEntity(commandSource.getEntityName()))) {
             AppUser maker = commandSource.getMaker();
             if (maker == null) {
                 throw new UnsupportedCommandException(permissionCode, "Maker user is missing.");

fineract-core/src/main/java/org/apache/fineract/infrastructure/configuration/api/GlobalConfigurationConstants.java

@@ -32,6 +32,7 @@ public final class GlobalConfigurationConstants {
     public static final String FORCE_PASSWORD_RESET_DAYS = "force-password-reset-days";
     public static final String GRACE_ON_PENALTY_POSTING = "grace-on-penalty-posting";
     public static final String SAVINGS_INTEREST_POSTING_CURRENT_PERIOD_END = "savings-interest-posting-current-period-end";
+    public static final String FD_INTEREST_POSTING_APPROVAL = "fd-interest-posting-approval";
     public static final String FINANCIAL_YEAR_BEGINNING_MONTH = "financial-year-beginning-month";
     public static final String MIN_CLIENTS_IN_GROUP = "min-clients-in-group";
     public static final String MAX_CLIENTS_IN_GROUP = "max-clients-in-group";

fineract-core/src/main/java/org/apache/fineract/infrastructure/configuration/domain/ConfigurationDomainService.java

@@ -69,6 +69,12 @@ public interface ConfigurationDomainService {
 
     boolean isSavingsInterestPostingAtCurrentPeriodEnd();
 
+    /**
+     * Whether fixed deposit interest is reported and approved before it is posted, instead of being
+     * posted directly by the nightly job.
+     */
+    boolean isFixedDepositInterestPostingApprovalEnabled();
+
     Integer retrieveFinancialYearBeginningMonth();
 
     Integer retrieveMinAllowedClientsInGroup();

fineract-core/src/main/java/org/apache/fineract/infrastructure/core/config/FineractProperties.java

@@ -505,6 +505,7 @@ public class FineractProperties {
         private FineractTransactionProcessorItemProperties heavensFamily;
         private FineractTransactionProcessorItemProperties interestPrincipalPenaltiesFees;
         private FineractTransactionProcessorItemProperties principalInterestPenaltiesFees;
+        private FineractTransactionProcessorItemProperties feesPenaltiesInterestPrincipal;
         private FineractTransactionProcessorItemProperties rbiIndia;
         private FineractTransactionProcessorItemProperties duePenaltyFeeInterestPrincipalInAdvancePrincipalPenaltyFeeInterest;
         private FineractTransactionProcessorItemProperties duePenaltyInterestPrincipalFeeInAdvancePenaltyInterestPrincipalFee;

fineract-core/src/main/java/org/apache/fineract/infrastructure/jobs/service/JobName.java

@@ -44,6 +44,7 @@ public enum JobName {
     APPLY_KYC_EXPIRY_RESTRICTIONS("Apply KYC Expiry Restrictions"), //
     SAVINGS_DAILY_INTEREST("Savings Daily Interest Accrual And Posting"), //
     SAVINGS_INTEREST_POSTING_REPORT("Generate Savings Interest Posting Report"), //
+    FD_INTEREST_POSTING_REPORT("Generate Fixed Deposit Interest Posting Report"), //
     ADD_PERIODIC_ACCRUAL_ENTRIES_FOR_LOANS_WITH_INCOME_POSTED_AS_TRANSACTIONS(
             "Add Accrual Transactions For Loans With Income Posted As Transactions"), //
     EXECUTE_REPORT_MAILING_JOBS("Execute Report Mailing Jobs"), //
@@ -73,8 +74,11 @@ public enum JobName {
     OUTWARD_CLEARING_BATCH_SEND("CTS Outward Clearing Batch Send"), //
     CTR_REPORT_GENERATION("AML Monthly CTR Report Generation"), //
     AML_STR_WEEKLY_DIGEST("AML STR Weekly Digest"), //
+    POST_DDS_INTEREST("Post DDS Interest"), //
     CLIENT_BEHAVIOUR_WINDOW("Client Behaviour Window Computation"), //
     SAVE_RBI_FORM_A_RETURN("Save RBI Form A Return"), //
+    EXECUTE_RD_AUTO_DEBIT("Execute RD Auto Debit"), //
+    APPLY_RD_MISSED_INSTALLMENT_PENALTY("Apply RD Missed Installment Penalty"), //
     ; //
 
     private final String name;

fineract-core/src/main/java/org/apache/fineract/organisation/agent/data/AgentData.java

@@ -0,0 +1,99 @@
+/**
+ * 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.organisation.agent.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.util.Collection;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * Immutable data object representing a DDS agent and its guarantors, following the legacy Agent
+ * Master Entry screen. Built via the Lombok builder rather than a long positional constructor, as the
+ * other DDS data objects are.
+ *
+ * The commission block below is on the legacy SubAgent Master screen rather than the Agent one, and
+ * drives the commission batch.
+ */
+@Getter
+@Builder(toBuilder = true)
+public final class AgentData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final Long clientId;
+    private final String clientName;
+    private final String agentCode;
+    private final String agentNameId;
+    private final String agentAddress1;
+    private final String agentAddress2;
+    private final String agentCity;
+    private final String agentPinCode;
+    private final String agentTelephone;
+    private final String agentSavingAccountType;
+    private final String agentSavingAccountNo;
+    private final LocalDate agentOpeningDate;
+    private final LocalDate agentBirthDate;
+    private final BigDecimal agentCurrentBalance;
+    private final BigDecimal agentOpeningBalance;
+
+    /**
+     * The branch this agent belongs to. {@code officeId} is what the screen sends back on an edit;
+     * {@code homeBranch} is that office's current name, read from the office row rather than from
+     * the agent, so a renamed branch reads correctly here without the agent being touched.
+     */
+    private final Long officeId;
+    private final String homeBranch;
+
+    /**
+     * The ledger account this agent's collections pass through, if the bank gave them one. The id is
+     * what the screen sends back on an edit; the code and name are what it shows.
+     */
+    private final Long glAccountId;
+    private final String glAccountCode;
+    private final String glAccountName;
+
+    /** Commission owed but not yet paid out, and the TDS withheld so far. Both are batch outcomes. */
+    private final BigDecimal commission;
+    private final BigDecimal tdsAmount;
+
+    /** Commission settings and the standing figures the commission run deducts. */
+    private final boolean commissionCalculation;
+    private final boolean tdsApplicable;
+    private final BigDecimal tdsPercent;
+    private final BigDecimal deductCommission;
+    private final BigDecimal agentDeposit;
+    private final BigDecimal festivalAdvance;
+    private final BigDecimal otherDeduction;
+
+    private final boolean active;
+
+    /** When the relationship ended, or null while the agent is on the books. */
+    private final LocalDate closeDate;
+
+    private final LocalDateTime createdDate;
+    private final LocalDateTime lastModifiedDate;
+    private final Collection<AgentGuarantorData> guarantors;
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/data/AgentGuarantorData.java

@@ -0,0 +1,59 @@
+/**
+ * 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.organisation.agent.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import lombok.Getter;
+
+/**
+ * Immutable data object representing a single agent guarantor.
+ */
+@Getter
+public final class AgentGuarantorData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final Long clientId;
+    private final String guarantorName;
+    private final String address1;
+    private final String address2;
+    private final String city;
+    private final String pinCode;
+    private final String telephone;
+
+    public static AgentGuarantorData instance(final Long id, final Long clientId, final String guarantorName, final String address1,
+            final String address2, final String city, final String pinCode, final String telephone) {
+        return new AgentGuarantorData(id, clientId, guarantorName, address1, address2, city, pinCode, telephone);
+    }
+
+    private AgentGuarantorData(final Long id, final Long clientId, final String guarantorName, final String address1,
+            final String address2, final String city, final String pinCode, final String telephone) {
+        this.id = id;
+        this.clientId = clientId;
+        this.guarantorName = guarantorName;
+        this.address1 = address1;
+        this.address2 = address2;
+        this.city = city;
+        this.pinCode = pinCode;
+        this.telephone = telephone;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/domain/Agent.java

@@ -0,0 +1,523 @@
+/**
+ * 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.organisation.agent.domain;
+
+import jakarta.persistence.CascadeType;
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.OneToMany;
+import jakarta.persistence.OrderBy;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.function.Consumer;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.accounting.glaccount.domain.GLAccount;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+import org.apache.fineract.organisation.office.domain.Office;
+import org.apache.fineract.portfolio.client.domain.Client;
+
+/**
+ * A DDS (Daily Deposit Scheme) collection agent. Can represent either a person or, at the top of the
+ * hierarchy, the bank itself acting as its own agent. Holds its own settlement savings account and one
+ * or more guarantors.
+ *
+ * The field set follows the legacy Agent Master Entry screen. SubAgent was folded into Agent
+ * (2026-08-24) so the Agent now does the daily collection work directly, but the SubAgent-only fields
+ * that came across with it (TDS, transfer/security accounts, machine rent, collection-limit history)
+ * were on no screen the business uses and were read by no query, report or job, so they were dropped
+ * again in 0481. Two fields are kept despite not appearing on that screen, because code reads them:
+ * {@code commission}/{@code lastCommissionDate}, and the deduction figures the Agent Commission
+ * Statement reports.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_agent", uniqueConstraints = { @UniqueConstraint(columnNames = { "agent_code" }, name = "agent_code_UNIQUE") })
+public class Agent extends AbstractAuditableCustom {
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @Column(name = "agent_code", length = 20, nullable = false)
+    private String agentCode;
+
+    @Column(name = "agent_name", length = 100, nullable = false)
+    private String agentName;
+
+    @Column(name = "agent_address1", length = 200, nullable = false)
+    private String agentAddress1;
+
+    @Column(name = "agent_address2", length = 200)
+    private String agentAddress2;
+
+    @Column(name = "agent_city", length = 100, nullable = false)
+    private String agentCity;
+
+    @Column(name = "agent_pincode", length = 20, nullable = false)
+    private String agentPinCode;
+
+    @Column(name = "agent_telephone", length = 20)
+    private String agentTelephone;
+
+    @Column(name = "agent_saving_account_type", length = 100, nullable = false)
+    private String agentSavingAccountType;
+
+    @Column(name = "agent_saving_account_no", length = 50, nullable = false)
+    private String agentSavingAccountNo;
+
+    @Column(name = "agent_opening_date", nullable = false)
+    private LocalDate agentOpeningDate;
+
+    @Column(name = "agent_birth_date", nullable = false)
+    private LocalDate agentBirthDate;
+
+    @Column(name = "agent_current_balance", scale = 6, precision = 19, nullable = false)
+    private BigDecimal agentCurrentBalance;
+
+    @Column(name = "agent_opening_balance", scale = 6, precision = 19, nullable = false)
+    private BigDecimal agentOpeningBalance;
+
+    /**
+     * The branch this agent belongs to, and the thing of record for it.
+     *
+     * Defaults to the agent's client's office - where the person sits on the bank's books - but is
+     * chosen on the screen, since an agent can be registered at one branch and collect out of
+     * another.
+     */
+    @ManyToOne
+    @JoinColumn(name = "office_id")
+    private Office office;
+
+    /**
+     * The office's name, held alongside the office itself.
+     *
+     * Redundant by design: the batch job's branch filter and several reports match on this name, and
+     * were written before the office link existed. It is always written from {@link #office}, never
+     * on its own, so the two cannot drift apart.
+     */
+    @Column(name = "home_branch", length = 100)
+    private String homeBranch;
+
+    /**
+     * The ledger account this agent's collections pass through, if the bank has given them one.
+     *
+     * Collections debit it on their way to the customer and settlements credit it when the cash
+     * arrives, so what is left standing on it is what this agent is holding and has not brought in.
+     * One agent to an account - shared, it would say nothing that the old single account did not.
+     *
+     * Null for the agents that predate this, and they go on using the scheme's shared agent-cash
+     * account exactly as before. Nothing about the route the money takes depends on which of the
+     * two it is.
+     */
+    @ManyToOne
+    @JoinColumn(name = "gl_account_id")
+    private GLAccount glAccount;
+
+    /**
+     * Commission earned by Commission Calculation but not yet paid out. Commission Posting pays it and
+     * resets this to zero, so it reads as "owed to this agent right now" - which is what the legacy
+     * SubAgent Master screen's "Comm" box shows.
+     */
+    @Column(name = "commission", scale = 6, precision = 19, nullable = false)
+    private BigDecimal commission;
+
+    /** Whether Commission Calculation covers this agent at all ("Com. Calculation" on the legacy screen). */
+    @Column(name = "commission_calculation", nullable = false)
+    private boolean commissionCalculation;
+
+    /** TDS is withheld from commission at source when the bank has it switched on for this agent. */
+    @Column(name = "tds_applicable", nullable = false)
+    private boolean tdsApplicable;
+
+    @Column(name = "tds_percent", scale = 6, precision = 19, nullable = false)
+    private BigDecimal tdsPercent;
+
+    /** Running total of TDS withheld, the legacy screen's "TDS Amt". */
+    @Column(name = "tds_amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal tdsAmount;
+
+    /** The four figures the Agent Commission Statement subtracts from gross commission. */
+    @Column(name = "deduct_commission", scale = 6, precision = 19, nullable = false)
+    private BigDecimal deductCommission;
+
+    @Column(name = "agent_deposit", scale = 6, precision = 19, nullable = false)
+    private BigDecimal agentDeposit;
+
+    @Column(name = "festival_advance", scale = 6, precision = 19, nullable = false)
+    private BigDecimal festivalAdvance;
+
+    @Column(name = "other_deduction", scale = 6, precision = 19, nullable = false)
+    private BigDecimal otherDeduction;
+
+    @Column(name = "last_commission_date")
+    private LocalDate lastCommissionDate;
+
+    /**
+     * An agent who stops collecting is deactivated, never deleted: every party collection, settlement
+     * and commission posting is recorded against it, so removing it would orphan its whole history.
+     * An inactive agent stays out of the pick lists for new collection work while its record and
+     * history stay intact, and it can be switched back on.
+     */
+    @Column(name = "is_active", nullable = false)
+    private boolean active;
+
+    /**
+     * When the relationship ended, or null while the agent is on the books.
+     *
+     * Distinct from {@code active}: switching an agent off stops them collecting and has to be
+     * possible immediately, whereas closing is the end of the relationship and is only allowed once
+     * nothing is left hanging. A closed agent is never deleted - their whole collection history is
+     * recorded against them.
+     */
+    @Column(name = "close_date")
+    private LocalDate closeDate;
+
+    @OneToMany(mappedBy = "agent", cascade = CascadeType.ALL, orphanRemoval = true, fetch = FetchType.LAZY)
+    @OrderBy("id")
+    private List<AgentGuarantor> guarantors = new ArrayList<>();
+
+    protected Agent() {
+        //
+    }
+
+    private Agent(final Client client, final String agentCode, final String agentName, final String agentAddress1,
+            final String agentAddress2, final String agentCity, final String agentPinCode, final String agentTelephone,
+            final String agentSavingAccountType, final String agentSavingAccountNo, final LocalDate agentOpeningDate,
+            final LocalDate agentBirthDate, final BigDecimal agentOpeningBalance, final Office office) {
+        this.client = client;
+        this.agentCode = agentCode;
+        this.agentName = agentName;
+        this.agentAddress1 = agentAddress1;
+        this.agentAddress2 = StringUtils.defaultIfEmpty(agentAddress2, null);
+        this.agentCity = agentCity;
+        this.agentPinCode = agentPinCode;
+        this.agentTelephone = StringUtils.defaultIfEmpty(agentTelephone, null);
+        this.agentSavingAccountType = agentSavingAccountType;
+        this.agentSavingAccountNo = agentSavingAccountNo;
+        this.agentOpeningDate = agentOpeningDate;
+        this.agentBirthDate = agentBirthDate;
+        this.agentOpeningBalance = agentOpeningBalance == null ? BigDecimal.ZERO : agentOpeningBalance;
+        this.agentCurrentBalance = this.agentOpeningBalance;
+        setOffice(office);
+        this.active = true;
+
+        this.commission = BigDecimal.ZERO;
+        // Commission is earned unless someone says otherwise, matching the legacy screen's default.
+        this.commissionCalculation = true;
+        this.tdsApplicable = false;
+        this.tdsPercent = BigDecimal.ZERO;
+        this.tdsAmount = BigDecimal.ZERO;
+        this.deductCommission = BigDecimal.ZERO;
+        this.agentDeposit = BigDecimal.ZERO;
+        this.festivalAdvance = BigDecimal.ZERO;
+        this.otherDeduction = BigDecimal.ZERO;
+    }
+
+    /**
+     * @param office
+     *            the branch this agent belongs to, resolved by the caller from the command's
+     *            {@code officeId} or, failing that, from the client's own office.
+     */
+    public static Agent fromJson(final Client client, final String agentCode, final Office office, final JsonCommand command) {
+        final String agentName = command.stringValueOfParameterNamed("agentNameId");
+        final String agentAddress1 = command.stringValueOfParameterNamed("agentAddress1");
+        final String agentAddress2 = command.stringValueOfParameterNamedAllowingNull("agentAddress2");
+        final String agentCity = command.stringValueOfParameterNamed("agentCity");
+        final String agentPinCode = command.stringValueOfParameterNamed("agentPinCode");
+        final String agentTelephone = command.stringValueOfParameterNamedAllowingNull("agentTelephone");
+        final String agentSavingAccountType = command.stringValueOfParameterNamed("agentSavingAccountType");
+        final String agentSavingAccountNo = command.stringValueOfParameterNamed("agentSavingAccountNo");
+        final LocalDate agentOpeningDate = command.localDateValueOfParameterNamed("agentOpeningDate");
+        final LocalDate agentBirthDate = command.localDateValueOfParameterNamed("agentBirthDate");
+        final BigDecimal agentOpeningBalance = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero("agentOpeningBalance");
+
+        return new Agent(client, agentCode, agentName, agentAddress1, agentAddress2, agentCity, agentPinCode, agentTelephone,
+                agentSavingAccountType, agentSavingAccountNo, agentOpeningDate, agentBirthDate, agentOpeningBalance, office);
+    }
+
+    public void addGuarantor(final AgentGuarantor guarantor) {
+        guarantor.setAgent(this);
+        this.guarantors.add(guarantor);
+    }
+
+    public void resetGuarantors() {
+        this.guarantors.clear();
+    }
+
+    /**
+     * Commission Calculation: adds what this agent earned to the amount owed to them, withholds the
+     * TDS that went with it, and stamps the date commission is now calculated through - so the next
+     * Commission Calculation only covers collections since then, and re-running it for the same
+     * period finds nothing left to earn.
+     */
+    public void accrueCommission(final BigDecimal netAmount, final BigDecimal tdsWithheld, final LocalDate throughDate) {
+        this.commission = this.commission.add(netAmount);
+        this.tdsAmount = this.tdsAmount.add(tdsWithheld);
+        this.lastCommissionDate = throughDate;
+    }
+
+    /**
+     * Commission Posting: pays the given amount out of what is owed and returns what remains owed.
+     *
+     * The amount is the one the run previewed rather than whatever is owed at this moment, so what
+     * gets paid is always what was seen and approved. Since it comes off the owed figure, a second
+     * posting of the same commission finds nothing left to pay.
+     */
+    public BigDecimal payOutCommission(final BigDecimal amount) {
+        this.commission = this.commission.subtract(amount);
+        return this.commission;
+    }
+
+    /**
+     * Charges the agent for an account of theirs that was closed before its term was up.
+     *
+     * Booked against {@code deductCommission} rather than taken straight off {@code commission},
+     * because what is owed at this moment may be nothing - commission is paid out in runs, and an
+     * agent who was paid yesterday would otherwise escape the charge entirely. Held as a deduction it
+     * is carried until there is commission to take it from, and it shows on the Agent Commission
+     * Statement between gross and take-home, where an agent can see what was charged and why.
+     */
+    public BigDecimal chargePrematureClosure(final BigDecimal amount) {
+        if (amount == null || amount.compareTo(BigDecimal.ZERO) <= 0) {
+            return this.deductCommission;
+        }
+        this.deductCommission = this.deductCommission.add(amount);
+        return this.deductCommission;
+    }
+
+    /**
+     * The four figures the Agent Commission Statement subtracts between gross commission and the
+     * agent's take-home total. They are standing amounts on the agent, not per-run ones, so a run
+     * deducts whatever they hold when it is calculated.
+     */
+    public BigDecimal totalDeductions() {
+        return this.deductCommission.add(this.agentDeposit).add(this.festivalAdvance).add(this.otherDeduction);
+    }
+
+    public boolean isClosed() {
+        return this.closeDate != null;
+    }
+
+    /** Cash collected from customers that has not yet reached a branch. */
+    public boolean holdsCash() {
+        return this.agentCurrentBalance.compareTo(BigDecimal.ZERO) != 0;
+    }
+
+    /** Commission earned but not yet paid out. */
+    public boolean isOwedCommission() {
+        return this.commission.compareTo(BigDecimal.ZERO) != 0;
+    }
+
+    /**
+     * Ends the relationship. The caller checks first that no accounts are still assigned; the two
+     * money conditions are checked here, where the figures live.
+     *
+     * Closing also switches the agent off, since an agent who is no longer on the books cannot be
+     * collecting either.
+     */
+    public void close(final LocalDate closeDate) {
+        this.closeDate = closeDate;
+        this.active = false;
+    }
+
+    /**
+     * Cash this agent has collected from parties but not yet handed over to a branch (an Agent Tran
+     * settlement). Raised by a Party Tran collection, lowered by an Agent Tran settlement.
+     */
+    public BigDecimal credit(final BigDecimal amount) {
+        this.agentCurrentBalance = this.agentCurrentBalance.add(amount);
+        return this.agentCurrentBalance;
+    }
+
+    public BigDecimal settle(final BigDecimal amount) {
+        this.agentCurrentBalance = this.agentCurrentBalance.subtract(amount);
+        return this.agentCurrentBalance;
+    }
+
+    public void changeClient(final Client newClient) {
+        this.client = newClient;
+    }
+
+    /**
+     * Moves the agent to a branch, writing the office's name into {@code homeBranch} in the same
+     * step so the name never has to be set by hand and never lags behind the office.
+     */
+    public void setOffice(final Office office) {
+        this.office = office;
+        this.homeBranch = office == null ? null : StringUtils.defaultIfEmpty(office.getName(), null);
+    }
+
+    public Long officeId() {
+        return this.office == null ? null : this.office.getId();
+    }
+
+    /**
+     * Points this agent's collections at a ledger account, or back at the scheme's shared one.
+     *
+     * Whether the account may be used at all - that it exists, is an asset account, is not disabled,
+     * and is not already another agent's - is settled before this is called. By the time the agent
+     * holds it, the question is closed.
+     */
+    public void setGlAccount(final GLAccount glAccount) {
+        this.glAccount = glAccount;
+    }
+
+    public Long glAccountId() {
+        return this.glAccount == null ? null : this.glAccount.getId();
+    }
+
+    public Long clientId() {
+        return this.client.getId();
+    }
+
+    public Map<String, Object> update(final JsonCommand command) {
+
+        final Map<String, Object> actualChanges = new LinkedHashMap<>(10);
+
+        if (command.isChangeInLongParameterNamed("clientId", this.client.getId())) {
+            actualChanges.put("clientId", command.longValueOfParameterNamed("clientId"));
+        }
+
+        if (command.isChangeInStringParameterNamed("agentNameId", this.agentName)) {
+            final String newValue = command.stringValueOfParameterNamed("agentNameId");
+            actualChanges.put("agentNameId", newValue);
+            this.agentName = newValue;
+        }
+
+        if (command.isChangeInStringParameterNamed("agentAddress1", this.agentAddress1)) {
+            final String newValue = command.stringValueOfParameterNamed("agentAddress1");
+            actualChanges.put("agentAddress1", newValue);
+            this.agentAddress1 = newValue;
+        }
+
+        if (command.isChangeInStringParameterNamed("agentAddress2", this.agentAddress2)) {
+            final String newValue = command.stringValueOfParameterNamed("agentAddress2");
+            actualChanges.put("agentAddress2", newValue);
+            this.agentAddress2 = StringUtils.defaultIfEmpty(newValue, null);
+        }
+
+        if (command.isChangeInStringParameterNamed("agentCity", this.agentCity)) {
+            final String newValue = command.stringValueOfParameterNamed("agentCity");
+            actualChanges.put("agentCity", newValue);
+            this.agentCity = newValue;
+        }
+
+        if (command.isChangeInStringParameterNamed("agentPinCode", this.agentPinCode)) {
+            final String newValue = command.stringValueOfParameterNamed("agentPinCode");
+            actualChanges.put("agentPinCode", newValue);
+            this.agentPinCode = newValue;
+        }
+
+        if (command.isChangeInStringParameterNamed("agentTelephone", this.agentTelephone)) {
+            final String newValue = command.stringValueOfParameterNamed("agentTelephone");
+            actualChanges.put("agentTelephone", newValue);
+            this.agentTelephone = StringUtils.defaultIfEmpty(newValue, null);
+        }
+
+        if (command.isChangeInStringParameterNamed("agentSavingAccountType", this.agentSavingAccountType)) {
+            final String newValue = command.stringValueOfParameterNamed("agentSavingAccountType");
+            actualChanges.put("agentSavingAccountType", newValue);
+            this.agentSavingAccountType = newValue;
+        }
+
+        if (command.isChangeInStringParameterNamed("agentSavingAccountNo", this.agentSavingAccountNo)) {
+            final String newValue = command.stringValueOfParameterNamed("agentSavingAccountNo");
+            actualChanges.put("agentSavingAccountNo", newValue);
+            this.agentSavingAccountNo = newValue;
+        }
+
+        if (command.isChangeInDateParameterNamed("agentOpeningDate", this.agentOpeningDate)) {
+            actualChanges.put("agentOpeningDate", command.stringValueOfParameterNamed("agentOpeningDate"));
+            this.agentOpeningDate = command.localDateValueOfParameterNamed("agentOpeningDate");
+        }
+
+        if (command.isChangeInDateParameterNamed("agentBirthDate", this.agentBirthDate)) {
+            actualChanges.put("agentBirthDate", command.stringValueOfParameterNamed("agentBirthDate"));
+            this.agentBirthDate = command.localDateValueOfParameterNamed("agentBirthDate");
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("agentOpeningBalance", this.agentOpeningBalance)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("agentOpeningBalance");
+            actualChanges.put("agentOpeningBalance", newValue);
+            // The current balance is the opening balance plus collections less settlements, so
+            // correcting the opening figure has to move the current one by the same amount.
+            // Setting it alone would leave the two contradicting each other for good, since nothing
+            // else ever recomputes the current balance from scratch.
+            this.agentCurrentBalance = this.agentCurrentBalance.add(newValue.subtract(this.agentOpeningBalance));
+            this.agentOpeningBalance = newValue;
+            actualChanges.put("agentCurrentBalance", this.agentCurrentBalance);
+        }
+
+        if (command.isChangeInBooleanParameterNamed("active", this.active)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("active");
+            actualChanges.put("active", newValue);
+            this.active = newValue;
+        }
+
+        // Commission settings and the standing deductions. The running totals the batch maintains -
+        // `commission` and `tdsAmount` - are deliberately not editable here: they are the outcome of
+        // posted runs, and typing over them would put the agent's balance out of step with the runs
+        // that produced it.
+        if (command.isChangeInBooleanParameterNamed("commissionCalculation", this.commissionCalculation)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("commissionCalculation");
+            actualChanges.put("commissionCalculation", newValue);
+            this.commissionCalculation = newValue;
+        }
+
+        if (command.isChangeInBooleanParameterNamed("tdsApplicable", this.tdsApplicable)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("tdsApplicable");
+            actualChanges.put("tdsApplicable", newValue);
+            this.tdsApplicable = newValue;
+        }
+
+        decimalChange(command, actualChanges, "tdsPercent", this.tdsPercent, v -> this.tdsPercent = v);
+        decimalChange(command, actualChanges, "deductCommission", this.deductCommission, v -> this.deductCommission = v);
+        decimalChange(command, actualChanges, "agentDeposit", this.agentDeposit, v -> this.agentDeposit = v);
+        decimalChange(command, actualChanges, "festivalAdvance", this.festivalAdvance, v -> this.festivalAdvance = v);
+        decimalChange(command, actualChanges, "otherDeduction", this.otherDeduction, v -> this.otherDeduction = v);
+
+        // A rate means nothing while TDS is switched off, so it is not left behind to be applied by a
+        // later switch-on nobody connected to it.
+        if (!this.tdsApplicable) {
+            this.tdsPercent = BigDecimal.ZERO;
+        }
+
+        return actualChanges;
+    }
+
+    private void decimalChange(final JsonCommand command, final Map<String, Object> actualChanges, final String paramName,
+            final BigDecimal existingValue, final Consumer<BigDecimal> setter) {
+        if (command.isChangeInBigDecimalParameterNamed(paramName, existingValue)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed(paramName);
+            actualChanges.put(paramName, newValue);
+            setter.accept(newValue == null ? BigDecimal.ZERO : newValue);
+        }
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/domain/AgentGuarantor.java

@@ -0,0 +1,87 @@
+/**
+ * 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.organisation.agent.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+
+/**
+ * A single guarantor recorded against an {@link Agent} (or, reused with the same shape, against a
+ * SubAgent). Always created/replaced as part of its parent agent's own create/update command - it has
+ * no independent API of its own.
+ *
+ * Audited in its own right even so: a guarantor is who the bank goes to if an agent's collections go
+ * missing, and a timestamp on the agent saying something changed does not say that the person
+ * standing behind them was swapped, nor by whom.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_agent_guarantor")
+public class AgentGuarantor extends AbstractAuditableCustom {
+
+    @ManyToOne
+    @JoinColumn(name = "agent_id", nullable = false)
+    private Agent agent;
+
+    @Column(name = "client_id", nullable = false)
+    private Long clientId;
+
+    @Column(name = "guarantor_name", length = 100, nullable = false)
+    private String guarantorName;
+
+    @Column(name = "address1", length = 200, nullable = false)
+    private String address1;
+
+    @Column(name = "address2", length = 200)
+    private String address2;
+
+    @Column(name = "city", length = 100, nullable = false)
+    private String city;
+
+    @Column(name = "pin_code", length = 20, nullable = false)
+    private String pinCode;
+
+    @Column(name = "telephone", length = 20)
+    private String telephone;
+
+    protected AgentGuarantor() {
+        //
+    }
+
+    public AgentGuarantor(final Long clientId, final String guarantorName, final String address1, final String address2,
+            final String city, final String pinCode, final String telephone) {
+        this.clientId = clientId;
+        this.guarantorName = guarantorName;
+        this.address1 = address1;
+        this.address2 = StringUtils.defaultIfEmpty(address2, null);
+        this.city = city;
+        this.pinCode = pinCode;
+        this.telephone = StringUtils.defaultIfEmpty(telephone, null);
+    }
+
+    void setAgent(final Agent agent) {
+        this.agent = agent;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentCannotBeClosedException.java

@@ -0,0 +1,39 @@
+/**
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an agent is closed while their books are not square.
+ *
+ * Closing is the end of the relationship, so it is refused until nothing is left hanging: no accounts
+ * still being collected from, no cash held that has not reached a branch, and no commission earned but
+ * unpaid. Each of those is money or a customer that would be left with no one responsible for it.
+ *
+ * Deactivating is deliberately not guarded this way. Switching an agent off has to be possible the
+ * moment the bank decides it - if it waited for the books to be squared, an agent the bank wanted
+ * stopped would keep collecting while the paperwork caught up.
+ */
+public class AgentCannotBeClosedException extends AbstractPlatformDomainRuleException {
+
+    public AgentCannotBeClosedException(final String agentCode, final String reason) {
+        super("error.msg.dds.agent.cannot.be.closed", "Agent " + agentCode + " cannot be closed: " + reason, agentCode, reason);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentCannotGuaranteeItselfException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an agent is listed as one of its own guarantors - a guarantee is only worth something
+ * coming from someone other than the agent it backs.
+ */
+public class AgentCannotGuaranteeItselfException extends AbstractPlatformDomainRuleException {
+
+    public AgentCannotGuaranteeItselfException(final Long clientId) {
+        super("error.msg.agent.cannot.guarantee.itself", "An agent cannot be its own guarantor", clientId);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentCommissionAccountUnusableException.java

@@ -0,0 +1,37 @@
+/**
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a commission run cannot pay an agent because their account will not take the credit.
+ *
+ * The account is checked when it is chosen, so reaching this means something changed afterwards -
+ * most likely the account was closed. Failing here rolls the whole run back rather than paying the
+ * other agents and leaving this one silently unpaid: a commission run that has half happened is
+ * worse to unpick than one that has not happened at all.
+ */
+public class AgentCommissionAccountUnusableException extends AbstractPlatformDomainRuleException {
+
+    public AgentCommissionAccountUnusableException(final String agentCode, final String reason) {
+        super("error.msg.dds.agent.commission.account.unusable",
+                "Commission for agent " + agentCode + " could not be paid: " + reason + ".", agentCode, reason);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentGlAccountUnusableException.java

@@ -0,0 +1,38 @@
+/**
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when the ledger account named for an agent could not carry that agent's cash.
+ *
+ * Refused when it is chosen rather than when it is first posted to. An account that cannot take the
+ * entry fails the whole collection, at the counter, with a customer waiting - and the person who
+ * picked it is not the person who finds out.
+ */
+public class AgentGlAccountUnusableException extends AbstractPlatformDomainRuleException {
+
+    public AgentGlAccountUnusableException(final String glCode, final String reason) {
+        super("error.msg.dds.agent.gl.account.unusable",
+                "Ledger account " + glCode + " cannot be used for this agent: " + reason
+                        + ". Choose a detail asset account that no other agent already holds.",
+                glCode, reason);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentNotFoundException.java

@@ -0,0 +1,40 @@
+/**
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+import org.springframework.dao.EmptyResultDataAccessException;
+
+/**
+ * A {@link RuntimeException} thrown when a DDS agent resource is not found.
+ */
+public class AgentNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public AgentNotFoundException(final Long id) {
+        super("error.msg.agent.id.invalid", "Agent with identifier " + id + " does not exist", id);
+    }
+
+    public AgentNotFoundException(final Long id, final EmptyResultDataAccessException e) {
+        super("error.msg.agent.id.invalid", "Agent with identifier " + id + " does not exist", id, e);
+    }
+
+    public AgentNotFoundException(final String agentCode) {
+        super("error.msg.agent.code.invalid", "Agent with code " + agentCode + " does not exist", agentCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentSavingsAccountClientMismatchException.java

@@ -0,0 +1,38 @@
+/**
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an agent is given a savings account that belongs to somebody else.
+ *
+ * An agent's commission is their own earnings, so it is paid into their own account. Accepting
+ * another person's account number here would route one person's pay into another's balance - a
+ * mistake that reads as ordinary data entry and would only surface when the person who should have
+ * been paid asked where their money went.
+ */
+public class AgentSavingsAccountClientMismatchException extends AbstractPlatformDomainRuleException {
+
+    public AgentSavingsAccountClientMismatchException(final String accountNo) {
+        super("error.msg.dds.agent.savings.account.client.mismatch",
+                "Savings account " + accountNo + " belongs to a different client. An agent's commission is paid into their own account.",
+                accountNo);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentSavingsAccountNotFoundException.java

@@ -0,0 +1,36 @@
+/**
+ * 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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an agent is given a savings account number that no open account carries.
+ *
+ * The agent's commission is paid into this account, so a number that exists only as typed text means
+ * a payment with nowhere to land - and nothing downstream would catch it, because the commission run
+ * records what it paid, not whether the account it named was real.
+ */
+public class AgentSavingsAccountNotFoundException extends AbstractPlatformDomainRuleException {
+
+    public AgentSavingsAccountNotFoundException(final String accountNo) {
+        super("error.msg.dds.agent.savings.account.not.found",
+                "No open savings account has the number " + accountNo + ". Pick one of the client's own accounts.", accountNo);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/agent/exception/AgentSavingsAccountNotOperativeException.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.organisation.agent.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an agent's commission account is a fixed or recurring deposit rather than a savings
+ * account.
+ *
+ * Commission is paid in as a credit whenever a commission run posts. A savings account takes credits
+ * at any time; a fixed deposit is a single sum placed for a term, and a recurring deposit takes only
+ * its own scheduled instalments - so paying into either is not a thing a bank does, and the posting
+ * would fail when the run came round. Refusing it as the account is chosen puts the error in front
+ * of the officer who can fix it, rather than in a batch log weeks later.
+ */
+public class AgentSavingsAccountNotOperativeException extends AbstractPlatformDomainRuleException {
+
+    public AgentSavingsAccountNotOperativeException(final String accountNo, final String accountKind) {
+        super("error.msg.dds.agent.savings.account.not.operative",
+                "Account " + accountNo + " is a " + accountKind + " account. Commission has to be paid into an ordinary savings "
+                        + "account, so pick one of the client's own - not a deposit and not a DDS scheme account.",
+                accountNo, accountKind);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/commissionslab/data/CommissionSlabData.java

@@ -0,0 +1,39 @@
+/**
+ * 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.organisation.commissionslab.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class CommissionSlabData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final String slabType;
+    private final BigDecimal slabFrom;
+    private final BigDecimal slabTo;
+    private final BigDecimal commissionPercent;
+}

fineract-core/src/main/java/org/apache/fineract/organisation/commissionslab/domain/CommissionSlab.java

@@ -0,0 +1,98 @@
+/**
+ * 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.organisation.commissionslab.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import lombok.Getter;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+
+/**
+ * One row of the agent commission chart: an ACCOUNT slab (commission percentage on collection
+ * volume) or a COMMISSION slab (the override a senior agent earns on a sub-agent's commission).
+ * Reference data, not history: a slab says what an agent earns on a given collection volume, and the
+ * commission run reads whatever the chart says at the time it runs. A mistyped range or percentage
+ * therefore has to be correctable - the legacy screen offered an edit on every saved row - so a slab
+ * can be updated. It still cannot be deleted: removing a range silently pays nothing to any agent who
+ * lands in it, which reads as a system fault rather than a decision.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_commission_slab")
+public class CommissionSlab extends AbstractAuditableCustom {
+
+    @Column(name = "slab_type", length = 20, nullable = false)
+    private String slabType;
+
+    @Column(name = "slab_from", scale = 6, precision = 19, nullable = false)
+    private BigDecimal slabFrom;
+
+    @Column(name = "slab_to", scale = 6, precision = 19, nullable = false)
+    private BigDecimal slabTo;
+
+    @Column(name = "commission_percent", scale = 6, precision = 19, nullable = false)
+    private BigDecimal commissionPercent;
+
+    protected CommissionSlab() {
+        //
+    }
+
+    public CommissionSlab(final String slabType, final BigDecimal slabFrom, final BigDecimal slabTo, final BigDecimal commissionPercent) {
+        this.slabType = slabType;
+        this.slabFrom = slabFrom;
+        this.slabTo = slabTo;
+        this.commissionPercent = commissionPercent;
+    }
+
+    /**
+     * Corrects this slab, reporting only what actually changed so the audit trail records the
+     * correction rather than a wholesale rewrite.
+     */
+    public Map<String, Object> update(final JsonCommand command) {
+        final Map<String, Object> actualChanges = new LinkedHashMap<>(4);
+
+        if (command.isChangeInStringParameterNamed("slabType", this.slabType)) {
+            final String newValue = command.stringValueOfParameterNamed("slabType");
+            actualChanges.put("slabType", newValue);
+            this.slabType = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamed("slabFrom", this.slabFrom)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("slabFrom");
+            actualChanges.put("slabFrom", newValue);
+            this.slabFrom = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamed("slabTo", this.slabTo)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("slabTo");
+            actualChanges.put("slabTo", newValue);
+            this.slabTo = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamed("commissionPercent", this.commissionPercent)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("commissionPercent");
+            actualChanges.put("commissionPercent", newValue);
+            this.commissionPercent = newValue;
+        }
+
+        return actualChanges;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/commissionslab/exception/CommissionSlabNotFoundException.java

@@ -0,0 +1,31 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.organisation.commissionslab.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+
+/**
+ * Thrown when a commission slab being corrected no longer exists.
+ */
+public class CommissionSlabNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public CommissionSlabNotFoundException(final Long slabId) {
+        super("error.msg.commissionslab.id.invalid", "Commission slab with identifier " + slabId + " does not exist", slabId);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/organisation/commissionslab/exception/OverlappingCommissionSlabException.java

@@ -0,0 +1,42 @@
+/**
+ * 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.organisation.commissionslab.exception;
+
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a commission slab's range overlaps one that already covers part of it.
+ *
+ * The commission run picks the first slab whose range contains the agent's collection volume, so
+ * two slabs covering the same figure make the rate that gets applied a matter of which row the
+ * database returns first. The same agent could be paid a different percentage from one month to the
+ * next with nothing in the data to explain it, which is why this is refused rather than warned
+ * about.
+ */
+public class OverlappingCommissionSlabException extends AbstractPlatformDomainRuleException {
+
+    public OverlappingCommissionSlabException(final String slabType, final BigDecimal from, final BigDecimal to,
+            final BigDecimal existingFrom, final BigDecimal existingTo) {
+        super("error.msg.commissionslab.overlapping",
+                slabType + " slab " + from.toPlainString() + " to " + to.toPlainString() + " overlaps the existing slab "
+                        + existingFrom.toPlainString() + " to " + existingTo.toPlainString(),
+                slabType, from, to, existingFrom, existingTo);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/accounttype/data/DdsAccountTypeData.java

@@ -0,0 +1,61 @@
+/**
+ * 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.portfolio.dds.accounttype.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * Immutable data object representing a DDS Account Type (the legacy Account Type Creation record).
+ */
+@Getter
+@Builder(toBuilder = true)
+public final class DdsAccountTypeData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final String accountTypeGroup;
+    private final String accountTypeCode;
+    private final String accountTypeDescription;
+    private final Boolean autoInterestPost;
+    private final String autoInterestPostWhen;
+    private final Integer autoInterestPostDay;
+    /** Whether an account on this scheme closes itself on its maturity date. */
+    private final Boolean maturityAutoClose;
+    /**
+     * What this scheme charges for closing an account before its term is up: how long it may not be
+     * closed at all, what comes off the customer's rate if they bear the cost, and what comes off the
+     * agent's commission either way. Read at the moment of closure, so a change on the scheme takes
+     * effect on accounts already open.
+     */
+    private final Integer prematureLockinMonths;
+    private final BigDecimal prematureInterestReduction;
+    private final BigDecimal prematureAgentCommissionPenalty;
+    /** The scheme's annual interest rate, which an account opened on it takes. */
+    private final BigDecimal interestRate;
+    private final Boolean active;
+    private final LocalDateTime createdDate;
+    private final LocalDateTime lastModifiedDate;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/accounttype/domain/DdsAccountType.java

@@ -0,0 +1,267 @@
+/**
+ * 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.portfolio.dds.accounttype.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.math.BigDecimal;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+
+/**
+ * A DDS scheme variant, as registered on the legacy "Account Type Creation" screen: a group (e.g.
+ * "DDS"), a short code (e.g. "DS"), a description (e.g. "DAILY DEPOSIT"), and whether interest is
+ * posted automatically and how often.
+ *
+ * This is master/reference data, not a deposit product - a Party picks one of these by code in its
+ * "Sub Type" field. Nothing here drives interest calculation: the DDS batch job accrues interest
+ * straight off each Party's own rate and balance.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_account_type", uniqueConstraints = {
+        @UniqueConstraint(columnNames = { "account_type_code" }, name = "uq_dds_account_type_code") })
+public class DdsAccountType extends AbstractAuditableCustom {
+
+    @Column(name = "account_type_group", length = 60, nullable = false)
+    private String accountTypeGroup;
+
+    @Column(name = "account_type_code", length = 20, nullable = false)
+    private String accountTypeCode;
+
+    @Column(name = "account_type_description", length = 200, nullable = false)
+    private String accountTypeDescription;
+
+    @Column(name = "auto_interest_post", nullable = false)
+    private boolean autoInterestPost;
+
+    @Column(name = "auto_interest_post_when", length = 20)
+    private String autoInterestPostWhen;
+
+    /** Day of the month interest posts on. Only meaningful when {@code autoInterestPost} is set. */
+    @Column(name = "auto_interest_post_day")
+    private Integer autoInterestPostDay;
+
+    /**
+     * Whether an account on this scheme closes itself the day it matures, instead of waiting for a
+     * clerk to pay it out by hand.
+     *
+     * Kept on the scheme rather than switched on bank-wide, for the same reason interest posting is:
+     * a bank runs several schemes at once and will not want them all behaving the same way. It says
+     * only whether the closing should happen, never when - the batch run decides that, exactly as it
+     * does for {@code autoInterestPost}.
+     *
+     * A scheme with this set still only closes an account that has somewhere for the money to go. If
+     * the account names no savings account to be paid into, nothing happens automatically and the
+     * clerk pays it out as before: money is never sent somewhere nobody chose.
+     */
+    @Column(name = "maturity_auto_close", nullable = false)
+    private boolean maturityAutoClose;
+
+    /**
+     * How long an account on this scheme must run before it may be closed early at all. Below this
+     * the request is refused outright rather than charged for.
+     *
+     * Per-scheme rather than one bank-wide figure: a lock-in longer than the scheme's own term would
+     * make early closure unreachable, so a two-month scheme and a five-year one cannot share one.
+     */
+    @Column(name = "premature_lockin_months", nullable = false)
+    private Integer prematureLockinMonths;
+
+    /**
+     * Percentage points off the customer's interest rate when the customer bears the cost of closing
+     * early - a 2% scheme pays 1% over the whole period, not only the part left to run.
+     */
+    @Column(name = "premature_interest_reduction", scale = 6, precision = 19, nullable = false)
+    private BigDecimal prematureInterestReduction;
+
+    /**
+     * Percentage off the collecting agent's commission on an early closure, applied whichever way the
+     * shortfall is met - an account closed early is a round the agent did not keep going.
+     */
+    @Column(name = "premature_agent_commission_penalty", scale = 6, precision = 19, nullable = false)
+    private BigDecimal prematureAgentCommissionPenalty;
+
+    /**
+     * The scheme's annual interest rate. Mandatory: an account opened on the scheme takes this rate,
+     * rather than one typed at the counter for each customer.
+     */
+    @Column(name = "interest_rate", scale = 6, precision = 19, nullable = false)
+    private BigDecimal interestRate;
+
+    /**
+     * An account type is retired by deactivating it, never by deleting: Parties are opened against
+     * it, so removing the row would orphan every account already using it. Inactive types stay out
+     * of the pick lists for new accounts but leave existing accounts untouched.
+     */
+    @Column(name = "is_active", nullable = false)
+    private boolean active;
+
+    protected DdsAccountType() {
+        //
+    }
+
+    private DdsAccountType(final JsonCommand command) {
+        this.accountTypeGroup = command.stringValueOfParameterNamed("accountTypeGroup");
+        this.accountTypeCode = normaliseCode(command.stringValueOfParameterNamed("accountTypeCode"));
+        this.accountTypeDescription = command.stringValueOfParameterNamed("accountTypeDescription");
+        this.autoInterestPost = command.booleanPrimitiveValueOfParameterNamed("autoInterestPost");
+        this.autoInterestPostWhen = StringUtils
+                .defaultIfEmpty(command.stringValueOfParameterNamedAllowingNull("autoInterestPostWhen"), null);
+        this.autoInterestPostDay = this.autoInterestPost
+                ? command.integerValueOfParameterNamedDefaultToNullIfZero("autoInterestPostDay")
+                : null;
+        this.maturityAutoClose = command.booleanPrimitiveValueOfParameterNamed("maturityAutoClose");
+        this.prematureLockinMonths = valueOr(command, "prematureLockinMonths", DEFAULT_LOCKIN_MONTHS);
+        this.prematureInterestReduction = valueOr(command, "prematureInterestReduction", DEFAULT_INTEREST_REDUCTION);
+        this.prematureAgentCommissionPenalty = valueOr(command, "prematureAgentCommissionPenalty", DEFAULT_AGENT_PENALTY);
+        this.interestRate = command.bigDecimalValueOfParameterNamed("interestRate");
+        // A newly created account type is available for use straight away.
+        this.active = !command.parameterExists("active") || command.booleanPrimitiveValueOfParameterNamed("active");
+    }
+
+    /**
+     * The bank's stated terms, used when a scheme is created without saying otherwise. They are
+     * defaults rather than fixed rules - the screen offers them and the bank changes them per scheme.
+     */
+    private static final int DEFAULT_LOCKIN_MONTHS = 12;
+    private static final BigDecimal DEFAULT_INTEREST_REDUCTION = BigDecimal.ONE;
+    private static final BigDecimal DEFAULT_AGENT_PENALTY = BigDecimal.ONE;
+
+    private static Integer valueOr(final JsonCommand command, final String parameter, final int fallback) {
+        final Integer supplied = command.parameterExists(parameter)
+                ? command.integerValueOfParameterNamedDefaultToNullIfZero(parameter)
+                : null;
+        return supplied == null ? fallback : supplied;
+    }
+
+    private static BigDecimal valueOr(final JsonCommand command, final String parameter, final BigDecimal fallback) {
+        // Deliberately not "default to null if zero": zero is a real answer here - a scheme that
+        // charges the customer nothing for closing early - and must not be read as "unset".
+        final BigDecimal supplied = command.parameterExists(parameter)
+                ? command.bigDecimalValueOfParameterNamed(parameter)
+                : null;
+        return supplied == null ? fallback : supplied;
+    }
+
+    /**
+     * Codes are the account type's identity and are matched against elsewhere, so "ds" and "DS" must
+     * not become two different types - they are stored upper-cased and trimmed.
+     */
+    private static String normaliseCode(final String code) {
+        return code == null ? null : code.trim().toUpperCase();
+    }
+
+    public static DdsAccountType fromJson(final JsonCommand command) {
+        return new DdsAccountType(command);
+    }
+
+    public Map<String, Object> update(final JsonCommand command) {
+
+        final Map<String, Object> actualChanges = new LinkedHashMap<>(6);
+
+        if (command.isChangeInStringParameterNamed("accountTypeGroup", this.accountTypeGroup)) {
+            final String newValue = command.stringValueOfParameterNamed("accountTypeGroup");
+            actualChanges.put("accountTypeGroup", newValue);
+            this.accountTypeGroup = newValue;
+        }
+
+        final String incomingCode = normaliseCode(command.stringValueOfParameterNamedAllowingNull("accountTypeCode"));
+        if (incomingCode != null && !incomingCode.equals(this.accountTypeCode)) {
+            actualChanges.put("accountTypeCode", incomingCode);
+            this.accountTypeCode = incomingCode;
+        }
+
+        if (command.isChangeInStringParameterNamed("accountTypeDescription", this.accountTypeDescription)) {
+            final String newValue = command.stringValueOfParameterNamed("accountTypeDescription");
+            actualChanges.put("accountTypeDescription", newValue);
+            this.accountTypeDescription = newValue;
+        }
+
+        if (command.isChangeInBooleanParameterNamed("autoInterestPost", this.autoInterestPost)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("autoInterestPost");
+            actualChanges.put("autoInterestPost", newValue);
+            this.autoInterestPost = newValue;
+        }
+
+        if (command.isChangeInStringParameterNamed("autoInterestPostWhen", this.autoInterestPostWhen)) {
+            final String newValue = command.stringValueOfParameterNamed("autoInterestPostWhen");
+            actualChanges.put("autoInterestPostWhen", newValue);
+            this.autoInterestPostWhen = StringUtils.defaultIfEmpty(newValue, null);
+        }
+
+        if (command.isChangeInIntegerParameterNamed("autoInterestPostDay", this.autoInterestPostDay)) {
+            final Integer newValue = command.integerValueOfParameterNamedDefaultToNullIfZero("autoInterestPostDay");
+            actualChanges.put("autoInterestPostDay", newValue);
+            this.autoInterestPostDay = newValue;
+        }
+
+        if (command.isChangeInBooleanParameterNamed("maturityAutoClose", this.maturityAutoClose)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("maturityAutoClose");
+            actualChanges.put("maturityAutoClose", newValue);
+            this.maturityAutoClose = newValue;
+        }
+
+        // A posting day only means anything while auto-posting is on.
+        if (!this.autoInterestPost) {
+            this.autoInterestPostDay = null;
+        }
+
+        if (command.isChangeInIntegerParameterNamed("prematureLockinMonths", this.prematureLockinMonths)) {
+            final Integer newValue = command.integerValueOfParameterNamedDefaultToNullIfZero("prematureLockinMonths");
+            actualChanges.put("prematureLockinMonths", newValue);
+            // Zero lock-in is meaningful - it lets an account be closed early from day one - but the
+            // column cannot hold null, so it is kept as zero rather than reset to the default.
+            this.prematureLockinMonths = newValue == null ? 0 : newValue;
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("prematureInterestReduction", this.prematureInterestReduction)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("prematureInterestReduction");
+            actualChanges.put("prematureInterestReduction", newValue);
+            this.prematureInterestReduction = newValue == null ? BigDecimal.ZERO : newValue;
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("prematureAgentCommissionPenalty", this.prematureAgentCommissionPenalty)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("prematureAgentCommissionPenalty");
+            actualChanges.put("prematureAgentCommissionPenalty", newValue);
+            this.prematureAgentCommissionPenalty = newValue == null ? BigDecimal.ZERO : newValue;
+        }
+
+        // The scheme's rate - every open account on it follows it (see the account type service).
+        if (command.parameterExists("interestRate") && command.isChangeInBigDecimalParameterNamed("interestRate", this.interestRate)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("interestRate");
+            actualChanges.put("interestRate", newValue);
+            this.interestRate = newValue;
+        }
+
+        if (command.isChangeInBooleanParameterNamed("active", this.active)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("active");
+            actualChanges.put("active", newValue);
+            this.active = newValue;
+        }
+
+        return actualChanges;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/accounttype/exception/DdsAccountTypeNotFoundException.java

@@ -0,0 +1,36 @@
+/**
+ * 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.portfolio.dds.accounttype.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+import org.springframework.dao.EmptyResultDataAccessException;
+
+/**
+ * A {@link RuntimeException} thrown when a DDS account type resource is not found.
+ */
+public class DdsAccountTypeNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public DdsAccountTypeNotFoundException(final Long id) {
+        super("error.msg.dds.account.type.id.invalid", "DDS account type with identifier " + id + " does not exist", id);
+    }
+
+    public DdsAccountTypeNotFoundException(final Long id, final EmptyResultDataAccessException e) {
+        super("error.msg.dds.account.type.id.invalid", "DDS account type with identifier " + id + " does not exist", id, e);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/data/BatchRunData.java

@@ -0,0 +1,58 @@
+/**
+ * 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.portfolio.dds.batch.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Collection;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder(toBuilder = true)
+public final class BatchRunData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final String jobType;
+    private final String branchScope;
+
+    /** Which DDS scheme the run covered, or null for every scheme. Set by the automatic posting job. */
+    private final String subType;
+
+    private final LocalDate jobDate;
+    private final Long agentFrom;
+    private final Long agentTo;
+    private final Long partyFrom;
+    private final Long partyTo;
+    private final String status;
+    private final Integer totalRows;
+    /** How many rows a crediting run has applied. Equal to totalRows once it has finished. */
+    private final Integer rowsPosted;
+    /** Why a run stopped, when it did - a crediting run happens in the background and has no other voice. */
+    private final String failureReason;
+    private final BigDecimal totalAmount;
+    private final LocalDate generatedOnDate;
+    private final LocalDate postedOnDate;
+    private final Collection<BatchRunRowData> rows;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/data/BatchRunRowData.java

@@ -0,0 +1,57 @@
+/**
+ * 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.portfolio.dds.batch.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class BatchRunRowData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final Long partyId;
+    private final String partyCode;
+    private final String partyName;
+    private final Long agentId;
+    private final String agentCode;
+    private final String agentName;
+
+    /** What the row applies: interest, or commission net of every deduction. */
+    private final BigDecimal amount;
+
+    /**
+     * How that amount was arrived at. Null on rows where it does not apply - a posting row moves a
+     * figure an earlier calculation run worked out, so the rate and base belong to that run.
+     */
+    private final BigDecimal baseAmount;
+    private final BigDecimal ratePercent;
+    private final BigDecimal grossAmount;
+    private final BigDecimal tdsAmount;
+    private final BigDecimal deductionAmount;
+    private final LocalDate fromDate;
+    private final LocalDate toDate;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/domain/BatchRun.java

@@ -0,0 +1,180 @@
+/**
+ * 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.portfolio.dds.batch.domain;
+
+import jakarta.persistence.CascadeType;
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.OneToMany;
+import jakarta.persistence.OrderBy;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.List;
+import lombok.Getter;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+
+/**
+ * One Calculate-then-Post batch run - the deliberate two-step control from the legacy Interest Part
+ * menu (Interest Calculation -> Interest Posting, OD Interest Calculation -> OD Interest Posting,
+ * Commission Calculation -> Commission Posting): a run is generated (rows computed and saved as a
+ * preview, nothing else changes), then posted (a separate, explicit step that applies exactly the
+ * rows that were previewed - never a fresh recalculation, so what gets applied is always what was
+ * seen).
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_batch_run")
+public class BatchRun extends AbstractAuditableCustom {
+
+    @Column(name = "job_type", length = 40, nullable = false)
+    private String jobType;
+
+    @Column(name = "branch_scope", length = 20, nullable = false)
+    private String branchScope;
+
+    /**
+     * Which DDS scheme this run covered, or null for every scheme.
+     *
+     * A posting day belongs to an account type rather than to the bank, so a run started by the
+     * scheduled job covers one scheme at a time - otherwise the scheme due on the 15th would drag the
+     * month-end scheme's accounts along with it. A run started by hand from the screen leaves this
+     * null and covers everything, as it always did.
+     */
+    @Column(name = "sub_type", length = 60)
+    private String subType;
+
+    @Column(name = "job_date", nullable = false)
+    private LocalDate jobDate;
+
+    @Column(name = "agent_from", nullable = false)
+    private Long agentFrom;
+
+    @Column(name = "agent_to", nullable = false)
+    private Long agentTo;
+
+    @Column(name = "party_from")
+    private Long partyFrom;
+
+    @Column(name = "party_to")
+    private Long partyTo;
+
+    @Column(name = "status", length = 20, nullable = false)
+    private String status;
+
+    @Column(name = "total_rows", nullable = false)
+    private Integer totalRows;
+
+    /** How many of those rows have been credited so far - what a screen reads to show progress. */
+    @Column(name = "rows_posted", nullable = false)
+    private Integer rowsPosted = 0;
+
+    /** Why a run stopped, when it did. A background run has nowhere else to say so. */
+    @Column(name = "failure_reason", length = 500)
+    private String failureReason;
+
+    @Column(name = "total_amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal totalAmount;
+
+    @Column(name = "generated_on_date", nullable = false)
+    private LocalDate generatedOnDate;
+
+    @Column(name = "posted_on_date")
+    private LocalDate postedOnDate;
+
+    @OneToMany(mappedBy = "batchRun", cascade = CascadeType.ALL, orphanRemoval = true, fetch = FetchType.LAZY)
+    @OrderBy("id")
+    private List<BatchRunRow> rows = new ArrayList<>();
+
+    protected BatchRun() {
+        //
+    }
+
+    public BatchRun(final String jobType, final String branchScope, final LocalDate jobDate, final Long agentFrom,
+            final Long agentTo, final Long partyFrom, final Long partyTo, final LocalDate generatedOnDate) {
+        this(jobType, branchScope, jobDate, agentFrom, agentTo, partyFrom, partyTo, generatedOnDate, null);
+    }
+
+    public BatchRun(final String jobType, final String branchScope, final LocalDate jobDate, final Long agentFrom,
+            final Long agentTo, final Long partyFrom, final Long partyTo, final LocalDate generatedOnDate, final String subType) {
+        this.jobType = jobType;
+        this.branchScope = branchScope;
+        this.subType = subType;
+        this.jobDate = jobDate;
+        this.agentFrom = agentFrom;
+        this.agentTo = agentTo;
+        this.partyFrom = partyFrom;
+        this.partyTo = partyTo;
+        this.status = "CALCULATED";
+        this.totalRows = 0;
+        this.totalAmount = BigDecimal.ZERO;
+        this.generatedOnDate = generatedOnDate;
+    }
+
+    public void addRow(final BatchRunRow row) {
+        row.setBatchRun(this);
+        this.rows.add(row);
+        this.totalRows = this.rows.size();
+        this.totalAmount = this.totalAmount.add(row.getAmount());
+    }
+
+    public boolean isPosted() {
+        return STATUS_POSTED.equals(this.status);
+    }
+
+    /** Under way. Set before the work starts, so a second press finds it already running. */
+    public boolean isPosting() {
+        return STATUS_POSTING.equals(this.status);
+    }
+
+    public void markPosting() {
+        this.status = STATUS_POSTING;
+        this.rowsPosted = 0;
+        this.failureReason = null;
+    }
+
+    public void recordProgress(final int posted) {
+        this.rowsPosted = posted;
+    }
+
+    public void markPosted(final LocalDate postedOnDate) {
+        this.status = STATUS_POSTED;
+        this.postedOnDate = postedOnDate;
+        this.rowsPosted = this.totalRows;
+        this.failureReason = null;
+    }
+
+    /**
+     * Records why a run stopped, and leaves it able to be run again.
+     *
+     * Nothing it had credited stands: the whole run is one transaction, so a failure takes all of it
+     * back. That is the point - the branch is left with a run that plainly did not happen rather than
+     * one it has to reconcile by hand.
+     */
+    public void markFailed(final String reason) {
+        this.status = STATUS_FAILED;
+        this.failureReason = reason == null ? "Unknown error" : reason.substring(0, Math.min(reason.length(), 500));
+    }
+
+    private static final String STATUS_POSTED = "POSTED";
+    private static final String STATUS_POSTING = "POSTING";
+    private static final String STATUS_FAILED = "FAILED";
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/domain/BatchRunRow.java

@@ -0,0 +1,130 @@
+/**
+ * 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.portfolio.dds.batch.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+/**
+ * One previewed/posted line of a {@link BatchRun}: for an interest job, one Party's interest; for a
+ * commission job, one Agent's commission on their collected volume (partyId is null there).
+ *
+ * {@code amount} is always what actually gets applied. The remaining figures record how that amount
+ * was arrived at, which is what the Agent Commission Statement prints and what an agent querying a
+ * payout needs to see. They are stored rather than recomputed on demand because the inputs move: the
+ * slab chart can be corrected and the standing deductions change, so a later recomputation would not
+ * reproduce the figure that was actually paid.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_batch_run_row")
+public class BatchRunRow extends AbstractPersistableCustom<Long> {
+
+    @ManyToOne
+    @JoinColumn(name = "batch_run_id", nullable = false)
+    private BatchRun batchRun;
+
+    @Column(name = "party_id")
+    private Long partyId;
+
+    @Column(name = "agent_id", nullable = false)
+    private Long agentId;
+
+    /** What this row applies: interest accrued or posted, or commission net of every deduction. */
+    @Column(name = "amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal amount;
+
+    /**
+     * What the rate was applied to: the collection volume for commission, or the daily product
+     * (balance summed over the days it was held) for interest.
+     */
+    @Column(name = "base_amount", scale = 6, precision = 19)
+    private BigDecimal baseAmount;
+
+    @Column(name = "rate_percent", scale = 6, precision = 19)
+    private BigDecimal ratePercent;
+
+    /** Before deductions. Equal to {@code amount} on rows that have none. */
+    @Column(name = "gross_amount", scale = 6, precision = 19)
+    private BigDecimal grossAmount;
+
+    @Column(name = "tds_amount", scale = 6, precision = 19)
+    private BigDecimal tdsAmount;
+
+    @Column(name = "deduction_amount", scale = 6, precision = 19)
+    private BigDecimal deductionAmount;
+
+    @Column(name = "from_date")
+    private LocalDate fromDate;
+
+    @Column(name = "to_date")
+    private LocalDate toDate;
+
+    protected BatchRunRow() {
+        //
+    }
+
+    private BatchRunRow(final Long partyId, final Long agentId, final BigDecimal amount, final BigDecimal baseAmount,
+            final BigDecimal ratePercent, final BigDecimal grossAmount, final BigDecimal tdsAmount, final BigDecimal deductionAmount,
+            final LocalDate fromDate, final LocalDate toDate) {
+        this.partyId = partyId;
+        this.agentId = agentId;
+        this.amount = amount;
+        this.baseAmount = baseAmount;
+        this.ratePercent = ratePercent;
+        this.grossAmount = grossAmount;
+        this.tdsAmount = tdsAmount;
+        this.deductionAmount = deductionAmount;
+        this.fromDate = fromDate;
+        this.toDate = toDate;
+    }
+
+    /** Interest earned on a Party's balance over the days it was held. Nothing is deducted from it. */
+    public static BatchRunRow forInterest(final Long partyId, final Long agentId, final BigDecimal amount,
+            final BigDecimal dailyProduct, final BigDecimal ratePercent, final LocalDate fromDate, final LocalDate toDate) {
+        return new BatchRunRow(partyId, agentId, amount, dailyProduct, ratePercent, amount, null, null, fromDate, toDate);
+    }
+
+    /** An Agent's commission on their collection volume, net of TDS and the standing deductions. */
+    public static BatchRunRow forCommission(final Long agentId, final BigDecimal netAmount, final BigDecimal collectionVolume,
+            final BigDecimal ratePercent, final BigDecimal grossAmount, final BigDecimal tdsAmount, final BigDecimal deductionAmount,
+            final LocalDate fromDate, final LocalDate toDate) {
+        return new BatchRunRow(null, agentId, netAmount, collectionVolume, ratePercent, grossAmount, tdsAmount, deductionAmount,
+                fromDate, toDate);
+    }
+
+    /**
+     * A posting row: it moves an amount that a prior calculation run already worked out, so there is
+     * no rate or base to record against it - the run that calculated it holds those.
+     */
+    public static BatchRunRow forPosting(final Long partyId, final Long agentId, final BigDecimal amount, final LocalDate asOnDate) {
+        return new BatchRunRow(partyId, agentId, amount, null, null, amount, null, null, asOnDate, asOnDate);
+    }
+
+    void setBatchRun(final BatchRun batchRun) {
+        this.batchRun = batchRun;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/exception/BatchRunAlreadyPostedException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.batch.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when Post is attempted on a batch run that has already been posted - a run applies once,
+ * matching the calculate-then-post safety control (never re-post the same preview).
+ */
+public class BatchRunAlreadyPostedException extends AbstractPlatformDomainRuleException {
+
+    public BatchRunAlreadyPostedException(final Long batchRunId) {
+        super("error.msg.ddsbatchrun.already.posted", "DDS batch run " + batchRunId + " has already been posted", batchRunId);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/exception/BatchRunNotFoundException.java

@@ -0,0 +1,28 @@
+/**
+ * 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.portfolio.dds.batch.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+
+public class BatchRunNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public BatchRunNotFoundException(final Long id) {
+        super("error.msg.ddsbatchrun.id.invalid", "DDS batch run with identifier " + id + " does not exist", id);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/batch/exception/NoCommissionSlabException.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.portfolio.dds.batch.exception;
+
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an agent's collection volume falls in a gap in the commission chart, so there is no rate
+ * to pay them at.
+ *
+ * The run stops rather than skipping the agent. A gap is a mistake in the chart, and an agent who
+ * worked all month reading as earning nothing looks exactly like an agent who collected nothing - the
+ * one failure nobody would query until the agent complained. Naming the agent and the amount that
+ * found no slab points straight at the range that needs adding.
+ */
+public class NoCommissionSlabException extends AbstractPlatformDomainRuleException {
+
+    public NoCommissionSlabException(final String agentCode, final BigDecimal collectionVolume) {
+        super("error.msg.ddsbatchrun.no.commission.slab",
+                "No commission slab covers " + collectionVolume.toPlainString() + ", the collection volume for agent " + agentCode
+                        + ". Add a slab covering this amount to the Commission Slab Master and run the calculation again.",
+                agentCode, collectionVolume);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/calculation/DdsCommissionCalculation.java

@@ -0,0 +1,85 @@
+/**
+ * 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.portfolio.dds.calculation;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+
+/**
+ * What a collection agent has earned on a period's collections, and what is left after deductions.
+ *
+ * <pre>
+ *   gross       the slab's percentage of everything collected
+ *   tds         withheld from the gross, when the agent is liable for it
+ *   deductions  the four standing amounts the bank recovers from them
+ *   net         what the agent is actually paid
+ * </pre>
+ *
+ * Every figure is kept, not just the net: an agent asking why their commission was short needs the
+ * whole breakdown, and a later change to the slab must not alter what was already paid.
+ *
+ * <p>
+ * Kept apart from the job that runs it so the sum can be checked on its own.
+ */
+public record DdsCommissionCalculation(BigDecimal collectionVolume, BigDecimal ratePercent, BigDecimal gross, BigDecimal tds,
+        BigDecimal deductions, BigDecimal net) {
+
+    private static final BigDecimal HUNDRED = BigDecimal.valueOf(100);
+    private static final int MONEY_SCALE = 2;
+
+    /**
+     * Works out a period's commission.
+     *
+     * @param collectionVolume
+     *            everything the agent collected in the period.
+     * @param ratePercent
+     *            the matching slab's percentage.
+     * @param tdsApplicable
+     *            whether tax is withheld from this agent at all.
+     * @param tdsPercent
+     *            the rate withheld when it is.
+     * @param deductions
+     *            the standing amounts the bank recovers - see {@code Agent.totalDeductions()}.
+     */
+    public static DdsCommissionCalculation of(final BigDecimal collectionVolume, final BigDecimal ratePercent,
+            final boolean tdsApplicable, final BigDecimal tdsPercent, final BigDecimal deductions) {
+
+        final BigDecimal volume = collectionVolume == null ? BigDecimal.ZERO : collectionVolume;
+        final BigDecimal rate = ratePercent == null ? BigDecimal.ZERO : ratePercent;
+        final BigDecimal recovered = deductions == null ? BigDecimal.ZERO : deductions;
+
+        final BigDecimal gross = volume.multiply(rate).divide(HUNDRED, MONEY_SCALE, RoundingMode.HALF_UP);
+        final BigDecimal withheld = tdsApplicable && tdsPercent != null
+                ? gross.multiply(tdsPercent).divide(HUNDRED, MONEY_SCALE, RoundingMode.HALF_UP)
+                : BigDecimal.ZERO;
+
+        return new DdsCommissionCalculation(volume, rate, gross, withheld, recovered, gross.subtract(withheld).subtract(recovered));
+    }
+
+    /**
+     * Whether there is anything to pay.
+     *
+     * The deductions can swallow a period's commission entirely. Nothing is owed then, and the agent
+     * is not put into debt over it - the deductions are standing figures the bank adjusts, not a
+     * balance a commission run is entitled to carry forward.
+     */
+    public boolean isPayable() {
+        return this.net.compareTo(BigDecimal.ZERO) > 0;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/calculation/DdsInterestCalculation.java

@@ -0,0 +1,126 @@
+/**
+ * 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.portfolio.dds.calculation;
+
+import java.math.BigDecimal;
+import java.math.MathContext;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.temporal.ChronoUnit;
+import java.util.List;
+
+/**
+ * What a DDS account has earned over a period.
+ *
+ * Interest is on the <em>daily product</em>: the balance summed over the days it was actually held.
+ * A customer paying in daily holds each instalment for a different length of time, so interest on
+ * the closing balance for the whole period would pay them for money they had not yet deposited -
+ * roughly double what they are owed, which is what this replaced.
+ *
+ * This is the same basis {@code Party.calculateMaturityAmount()} quotes at opening, so what the
+ * interest runs add up to over a term matches the figure the customer was promised.
+ *
+ * <p>
+ * Kept apart from the job that runs it so the sum can be checked on its own. It reads nothing and
+ * writes nothing - given the same movements it always answers the same, which is what makes it
+ * worth testing.
+ */
+public final class DdsInterestCalculation {
+
+    /** Wide enough that the intermediate division never loses precision before the final rounding. */
+    private static final MathContext MATH_CONTEXT = new MathContext(19, RoundingMode.HALF_UP);
+
+    private static final BigDecimal HUNDRED = BigDecimal.valueOf(100);
+    private static final BigDecimal DAYS_IN_YEAR = BigDecimal.valueOf(365);
+    private static final int MONEY_SCALE = 2;
+
+    private DdsInterestCalculation() {}
+
+    /**
+     * One movement on the account: a collection is positive, a payout negative.
+     *
+     * A plain pair rather than the transaction itself, so this sum has no opinion about how
+     * transactions are stored and can be checked with a handful of literals.
+     */
+    public record Movement(LocalDate date, BigDecimal signedAmount) {}
+
+    /**
+     * The balance summed over the days it was held, between {@code from} (exclusive) and {@code to}
+     * (inclusive).
+     *
+     * @param openingBalance
+     *            what the account held before any of these movements.
+     * @param movements
+     *            every movement up to the end of the period, oldest first. Anything dated on or
+     *            before {@code from} has already happened and makes up the balance this period opens
+     *            with rather than a movement within it.
+     */
+    public static BigDecimal dailyProduct(final BigDecimal openingBalance, final List<Movement> movements, final LocalDate from,
+            final LocalDate to) {
+
+        BigDecimal balance = openingBalance == null ? BigDecimal.ZERO : openingBalance;
+        int index = 0;
+        while (index < movements.size() && !movements.get(index).date().isAfter(from)) {
+            balance = balance.add(movements.get(index).signedAmount());
+            index++;
+        }
+
+        BigDecimal product = BigDecimal.ZERO;
+        LocalDate cursor = from;
+
+        while (index < movements.size()) {
+            final LocalDate movementDate = movements.get(index).date();
+            if (movementDate.isAfter(to)) {
+                break;
+            }
+
+            // The untouched days between the last movement and this one, at the balance they stood at.
+            final long daysAtOpeningBalance = ChronoUnit.DAYS.between(cursor, movementDate) - 1;
+            if (daysAtOpeningBalance > 0) {
+                product = product.add(balance.multiply(BigDecimal.valueOf(daysAtOpeningBalance)));
+            }
+
+            // Apply every movement dated that day before counting the day itself, so a deposit earns
+            // from the day it was made.
+            while (index < movements.size() && movementDate.equals(movements.get(index).date())) {
+                balance = balance.add(movements.get(index).signedAmount());
+                index++;
+            }
+            product = product.add(balance);
+            cursor = movementDate;
+        }
+
+        final long remainingDays = ChronoUnit.DAYS.between(cursor, to);
+        if (remainingDays > 0) {
+            product = product.add(balance.multiply(BigDecimal.valueOf(remainingDays)));
+        }
+
+        return product;
+    }
+
+    /** Simple interest on a daily product at an annual rate, rounded to paise. */
+    public static BigDecimal interestOn(final BigDecimal dailyProduct, final BigDecimal ratePercent) {
+        if (dailyProduct == null || ratePercent == null || dailyProduct.compareTo(BigDecimal.ZERO) <= 0
+                || ratePercent.compareTo(BigDecimal.ZERO) <= 0) {
+            return BigDecimal.ZERO.setScale(MONEY_SCALE);
+        }
+        return dailyProduct.multiply(ratePercent).divide(HUNDRED.multiply(DAYS_IN_YEAR), MATH_CONTEXT).setScale(MONEY_SCALE,
+                RoundingMode.HALF_UP);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/calculation/DdsSchedule.java

@@ -0,0 +1,117 @@
+/**
+ * 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.portfolio.dds.calculation;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.temporal.ChronoUnit;
+
+/**
+ * Where a daily deposit account stands against the instalments it owes.
+ *
+ * The bank's rule has two sides and they are not symmetrical. A customer may run ahead, but only a few
+ * days - the scheme is a habit of saving daily, not a deposit paid in one go. A customer may fall
+ * behind and catch up, but only within a short window; instalments older than that are skipped, and
+ * skipped means gone - the agent does not go back for them, and the account matures on what was
+ * actually paid.
+ *
+ * So a shortfall is split rather than shown as one figure. What can still be collected is worth a
+ * clerk chasing today; what has passed the window is not, and showing them together would have the
+ * clerk asking for money the bank has already written off.
+ *
+ * Kept here, outside either service, because the screen that shows these figures and the check that
+ * refuses a collection exceeding them have to agree. Two copies would drift, and the day they did the
+ * screen would quote a customer an amount the server then refused.
+ *
+ * @param expected what should have been collected by the day this was worked out
+ * @param advance signed: positive is paid ahead, negative is behind
+ * @param advanceDays whole instalments covered ahead - a part-paid day does not count
+ * @param arrearsDays whole or part instalments behind
+ * @param recoverable the part of a shortfall still inside the catch-up window
+ * @param skippedDays instalments past that window
+ * @param skipped what those come to
+ */
+public record DdsSchedule(BigDecimal expected, BigDecimal advance, int advanceDays, int arrearsDays, BigDecimal recoverable,
+        int skippedDays, BigDecimal skipped) {
+
+    /**
+     * How far behind an account may fall and still be caught up. Past this the instalments are
+     * skipped - the agent does not go back for them and the customer matures on less.
+     */
+    public static final int CATCH_UP_DAYS = 3;
+
+    /**
+     * The most a customer may pay ahead, so a scheme is not simply prepaid into a lump deposit. A few
+     * days is the bank's allowance for someone going away or paid weekly.
+     */
+    public static final int MAX_ADVANCE_DAYS = 5;
+
+    private static final DdsSchedule NOTHING_DUE = new DdsSchedule(BigDecimal.ZERO, BigDecimal.ZERO, 0, 0, BigDecimal.ZERO, 0,
+            BigDecimal.ZERO);
+
+    /**
+     * How many instalments should have been paid by the given day.
+     *
+     * The first falls on the opening day itself - the same day the maturity figure starts counting
+     * from, so the two agree - and the count stops at the term's own length, so a matured account does
+     * not keep falling further behind.
+     */
+    public static int instalmentsDue(final LocalDate openingDate, final Integer termDays, final LocalDate on) {
+        if (openingDate == null || termDays == null || termDays <= 0 || on == null) {
+            return 0;
+        }
+        final long elapsed = ChronoUnit.DAYS.between(openingDate, on) + 1;
+        return (int) Math.max(0, Math.min(termDays, elapsed));
+    }
+
+    public static DdsSchedule of(final BigDecimal daily, final int instalmentsDue, final BigDecimal collected) {
+        if (daily == null || daily.compareTo(BigDecimal.ZERO) <= 0) {
+            // Nothing is due daily, so there is no schedule to be ahead or behind of.
+            return NOTHING_DUE;
+        }
+
+        final BigDecimal paid = collected == null ? BigDecimal.ZERO : collected;
+        final BigDecimal expected = daily.multiply(BigDecimal.valueOf(instalmentsDue));
+        final BigDecimal advance = paid.subtract(expected);
+
+        if (advance.compareTo(BigDecimal.ZERO) >= 0) {
+            // Ahead. Only whole instalments count as days covered - a customer eighty rupees into a
+            // hundred-rupee day still owes today, and the agent should still call.
+            final int daysCovered = advance.divideToIntegralValue(daily).intValue();
+            return new DdsSchedule(expected, advance, daysCovered, 0, BigDecimal.ZERO, 0, BigDecimal.ZERO);
+        }
+
+        // Behind. A part-paid day counts as a day behind for the same reason.
+        final BigDecimal shortfall = advance.negate();
+        final int daysBehind = shortfall.divide(daily, 0, RoundingMode.CEILING).intValue();
+        final BigDecimal window = daily.multiply(BigDecimal.valueOf(CATCH_UP_DAYS));
+        final BigDecimal recoverable = shortfall.min(window);
+        return new DdsSchedule(expected, advance, 0, daysBehind, recoverable, Math.max(0, daysBehind - CATCH_UP_DAYS),
+                shortfall.subtract(recoverable));
+    }
+
+    /** Whole instalments a customer may still pay off, which is what the arrears option may offer. */
+    public int recoverableDays(final BigDecimal daily) {
+        if (daily == null || daily.compareTo(BigDecimal.ZERO) <= 0) {
+            return 0;
+        }
+        return this.recoverable.divideToIntegralValue(daily).intValue();
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/collection/data/AgentCollectionSummaryData.java

@@ -0,0 +1,53 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.collection.data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.List;
+import lombok.Builder;
+import lombok.Data;
+
+/**
+ * An agent's day, as the clerk sees it when the agent walks up to the counter.
+ *
+ * The figure that matters is {@code expectedAmount}: what the agent's own entries add up to, and so
+ * what should be in their bag. It is given as a total beside the lines it came from, because a clerk
+ * who is short counts the lines to find out where.
+ */
+@Data
+@Builder
+public class AgentCollectionSummaryData {
+
+    private final Long agentId;
+    private final String agentCode;
+    private final String agentName;
+    private final LocalDate entryDate;
+
+    private final int pendingCount;
+
+    /** What the agent's outstanding entries add up to - the cash the branch should be handed. */
+    private final BigDecimal expectedAmount;
+
+    /** What has already been counted and posted for this agent on this date. */
+    private final int settledCount;
+    private final BigDecimal settledAmount;
+
+    private final List<CollectionEntryData> entries;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/collection/data/CollectionEntryData.java

@@ -0,0 +1,66 @@
+/**
+ * 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.portfolio.dds.collection.data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Builder;
+import lombok.Data;
+
+/**
+ * One written-down collection, as the agent's screen and the clerk's settlement list show it.
+ *
+ * Carries the party's code, name and balance beside the amount, because both readers are checking
+ * the line against a person rather than an id - the agent against the customer they just left, the
+ * clerk against the passbook in front of them.
+ */
+@Data
+@Builder
+public class CollectionEntryData {
+
+    private final Long id;
+
+    private final Long agentId;
+    private final String agentCode;
+    private final String agentName;
+
+    private final Long partyId;
+    private final String partyCode;
+    private final String partyName;
+
+    /** The account's balance as it stands now - before this entry, which has not been posted. */
+    private final BigDecimal partyBalance;
+
+    /** What this scheme takes each day, so an amount that is not a day's instalment stands out. */
+    private final BigDecimal dailyDepositAmount;
+
+    private final LocalDate entryDate;
+    private final BigDecimal amount;
+    private final String transactionMode;
+    private final String chequeNo;
+    private final String tokenNo;
+    private final String description;
+
+    private final String status;
+    private final LocalDate settledOn;
+    private final Long partyTransactionId;
+    /** Days paid ahead, or days of arrears cleared - empty on an ordinary day's collection. */
+    private final Integer advanceDays;
+    private final Integer arrearsDays;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/collection/domain/CollectionEntry.java

@@ -0,0 +1,174 @@
+/**
+ * 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.portfolio.dds.collection.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+import org.apache.fineract.organisation.agent.domain.Agent;
+import org.apache.fineract.portfolio.dds.party.domain.Party;
+
+/**
+ * One line an agent wrote down on their round: this customer, this much, in this form.
+ *
+ * It is not a transaction and deliberately reads nothing like one. No balance is carried on it, no
+ * ledger entry stands behind it, and no report of the bank's position counts it. It says only what
+ * the agent says they collected - the bank's own record of it begins when a clerk has counted the
+ * cash and confirmed the day's entries, and what that writes is an ordinary
+ * {@code m_dds_party_transaction} row.
+ *
+ * The distinction is the whole point of the table. Credited on the spot, the books showed customers
+ * paid in notes the branch had never held, and there was nothing to count the agent's bag against
+ * when they arrived. Held here, the agent's word and the bank's books stay separate until somebody
+ * puts them side by side.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_collection_entry")
+public class CollectionEntry extends AbstractAuditableCustom {
+
+    /** Waiting for a clerk to count the cash behind it. */
+    public static final String PENDING = "PENDING";
+
+    /** Counted, posted, and now standing behind a real transaction. */
+    public static final String SETTLED = "SETTLED";
+
+    /** Withdrawn before it was ever posted - a wrong line the agent took back. */
+    public static final String CANCELLED = "CANCELLED";
+
+    @ManyToOne
+    @JoinColumn(name = "agent_id", nullable = false)
+    private Agent agent;
+
+    @ManyToOne
+    @JoinColumn(name = "party_id", nullable = false)
+    private Party party;
+
+    /**
+     * The day the money changed hands, which is the agent's day and not the branch's. A round
+     * collected on Friday and brought in on Monday is still Friday's collection, and the customer's
+     * statement has to say so.
+     */
+    @Column(name = "entry_date", nullable = false)
+    private LocalDate entryDate;
+
+    @Column(name = "amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal amount;
+
+    @Column(name = "transaction_mode", length = 20, nullable = false)
+    private String transactionMode;
+
+    @Column(name = "cheque_no", length = 50)
+    private String chequeNo;
+
+    @Column(name = "token_no", length = 50)
+    private String tokenNo;
+
+    @Column(name = "description", length = 200)
+    private String description;
+
+    @Column(name = "status", length = 20, nullable = false)
+    private String status;
+
+    @Column(name = "settled_on")
+    private LocalDate settledOn;
+
+    /**
+     * The transaction this entry became, once it was posted.
+     *
+     * Held as a plain id rather than a mapped association: this table is the paper the bank checked
+     * against, not part of the ledger, and a link that pulled a transaction in whenever an entry was
+     * read would make the two look like halves of one thing. Anyone who needs the transaction can
+     * fetch it; most callers only need to know there is one.
+     */
+    @Column(name = "party_transaction_id")
+    private Long partyTransactionId;
+
+    /**
+     * The application of the cashier's DDS receipts that settled this entry, when it was settled that
+     * way - see 0517, which records which vouchers it used. A plain id for the same reason as the
+     * transaction.
+     */
+    @Column(name = "receipt_application_id")
+    private Long receiptApplicationId;
+
+    /** Days paid ahead, or days of arrears cleared - see 0520. Both empty on an ordinary day's collection. */
+    @Column(name = "advance_days")
+    private Integer advanceDays;
+
+    @Column(name = "arrears_days")
+    private Integer arrearsDays;
+
+    protected CollectionEntry() {
+        //
+    }
+
+    public CollectionEntry(final Agent agent, final Party party, final LocalDate entryDate, final BigDecimal amount,
+            final String transactionMode, final String chequeNo, final String tokenNo, final String description) {
+        this.agent = agent;
+        this.party = party;
+        this.entryDate = entryDate;
+        this.amount = amount;
+        this.transactionMode = transactionMode;
+        this.chequeNo = chequeNo;
+        this.tokenNo = tokenNo;
+        this.description = description;
+        this.status = PENDING;
+    }
+
+    /** Records what the collection covers beyond today, once its amount has been checked against it. */
+    public void covering(final Integer advanceDays, final Integer arrearsDays) {
+        this.advanceDays = advanceDays;
+        this.arrearsDays = arrearsDays;
+    }
+
+    public boolean isPending() {
+        return PENDING.equals(this.status);
+    }
+
+    /**
+     * Records that this entry has been counted and posted, and what it became.
+     *
+     * The transaction's id is kept so the two can always be put back together - a clerk asked six
+     * months later which entry a credit came from has an answer, rather than a matching exercise on
+     * date and amount.
+     */
+    public void markSettled(final LocalDate settledOn, final Long partyTransactionId) {
+        this.status = SETTLED;
+        this.settledOn = settledOn;
+        this.partyTransactionId = partyTransactionId;
+    }
+
+    /** Settled against the cashier's receipts: the same as {@link #markSettled}, and which application did it. */
+    public void markSettledByReceipt(final LocalDate settledOn, final Long partyTransactionId, final Long receiptApplicationId) {
+        markSettled(settledOn, partyTransactionId);
+        this.receiptApplicationId = receiptApplicationId;
+    }
+
+    /** Withdraws a line that was never posted. Kept, not deleted - the agent wrote it, so it stands. */
+    public void markCancelled() {
+        this.status = CANCELLED;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/collection/exception/CollectionEntryNotFoundException.java

@@ -0,0 +1,28 @@
+/**
+ * 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.portfolio.dds.collection.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+
+public class CollectionEntryNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public CollectionEntryNotFoundException(final Long entryId) {
+        super("error.msg.dds.collection.entry.not.found", "Collection entry " + entryId + " does not exist", entryId);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/collection/exception/CollectionEntryNotPendingException.java

@@ -0,0 +1,37 @@
+/**
+ * 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.portfolio.dds.collection.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a written-down collection is taken back after it has already been settled.
+ *
+ * By then it is not a note any more - a customer has been credited and an agent's cash recorded
+ * against it. Withdrawing it here would leave the note cancelled and the credit standing, which is
+ * the one state nobody could reconcile. A posted collection is undone the way any posting is: with
+ * an entry the other way, on the ledger, where it can be seen.
+ */
+public class CollectionEntryNotPendingException extends AbstractPlatformDomainRuleException {
+
+    public CollectionEntryNotPendingException(final Long entryId, final String status) {
+        super("error.msg.dds.collection.entry.not.pending",
+                "Collection entry " + entryId + " is " + status.toLowerCase() + " and can no longer be cancelled", entryId, status);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/collection/exception/NothingToSettleException.java

@@ -0,0 +1,36 @@
+/**
+ * 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.portfolio.dds.collection.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a settlement is asked for and the agent has nothing outstanding on that date.
+ *
+ * Said plainly rather than passed off as a settlement of nothing, because the clerk is standing at
+ * the counter with an agent in front of them: either they have the wrong date, or the round has been
+ * settled already, and both are worth knowing before the cash is taken.
+ */
+public class NothingToSettleException extends AbstractPlatformDomainRuleException {
+
+    public NothingToSettleException(final String agentCode, final String entryDate) {
+        super("error.msg.dds.collection.nothing.to.settle",
+                "Agent " + agentCode + " has no collection entries outstanding for " + entryDate, agentCode, entryDate);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/data/PartyData.java

@@ -0,0 +1,182 @@
+/**
+ * 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.portfolio.dds.party.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Collection;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * Immutable data object representing a DDS Party (customer scheme account), including its nominees.
+ * Built via the Lombok builder rather than a long positional constructor - the field count here makes
+ * positional args unreadable and error-prone to keep in sync.
+ */
+@Getter
+@Builder(toBuilder = true)
+public final class PartyData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final Long clientId;
+    private final String clientName;
+    private final Long agentId;
+    private final String agentCode;
+    private final String agentName;
+    /** The branch this account belongs to - its own, not the collecting agent's. */
+    private final Long officeId;
+    private final String officeName;
+    /**
+     * The customer's real deposit account, opened when the party was created.
+     *
+     * The id alone was carried here before, which is a number only the database means anything by -
+     * a screen showing "36" tells an officer nothing. The account's own number, product, status and
+     * balance are read from the account itself, so what a party shows is what the bank's books say
+     * rather than a second copy that can drift. All four are null for a party opened before DDS
+     * began opening real accounts, and that is worth showing plainly rather than hiding.
+     */
+    private final Long savingsAccountId;
+    private final String savingsAccountNo;
+    private final String savingsProductName;
+    private final String savingsAccountStatus;
+    private final BigDecimal savingsAccountBalance;
+    /**
+     * What on this account is pledged against a loan and cannot leave.
+     *
+     * Shown beside the balance on the closure list because a deposit standing as security is owed but
+     * not payable, and a clerk who reads only the balance would try to pay it and be refused.
+     */
+    private final BigDecimal amountHeldUnderLien;
+    private final String subType;
+    /**
+     * The account type's description, resolved from the DDS Account Type master that {@code subType}
+     * holds the code of - so callers can show the scheme by the name officers know it by without
+     * fetching the master separately.
+     */
+    private final String subTypeDescription;
+    private final String partyCode;
+    /** The DDS account's own number. */
+    private final String accountNo;
+    private final String lastAccount;
+    private final Boolean nominal;
+    private final String aadharNo;
+    private final String partyName;
+    private final String partyName1;
+    private final String address1;
+    private final String address2;
+    private final String address3;
+    private final String city;
+    private final String pincode;
+    private final String gender;
+    private final String panCardNo;
+    private final String telephone;
+    private final String mobileNoSms;
+    private final String operation;
+    private final LocalDate birthDate;
+    private final String occupation;
+    private final String risk;
+    private final String ckycId;
+    private final String adultMinor;
+    private final LocalDate minorDate;
+
+    /**
+     * The day a minor account holder comes of age, and whether it has passed.
+     *
+     * Worked out from the birth date rather than taken from {@code minorDate}, which is typed in by
+     * hand and has never been filled on any record. Null on an adult's account.
+     *
+     * The guardian's authority to operate the account ends on that day, so the branch has to take
+     * fresh KYC, a signature and a new mandate from the customer themselves. Nothing acts on this
+     * yet - whether the account should also be restricted until that is done is the bank's rule, and
+     * blocking one wrongly would strand a customer's money. It is carried here so the day stops
+     * passing unnoticed, which is what happened before.
+     */
+    private final LocalDate majorOn;
+    private final boolean minorTurnedMajor;
+    private final Long guardianClientId;
+    private final String minAccountOpt;
+    private final String relation;
+    private final LocalDate openingDate;
+    private final Integer month;
+    private final LocalDate maturityDate;
+    private final LocalDate reopenDate;
+    private final BigDecimal depositAmount;
+    private final BigDecimal dailyDepositAmount;
+    private final Integer days;
+    private final String ledgerNo;
+    private final BigDecimal maturityAmount;
+    private final BigDecimal interestRate;
+    private final String withdrawType;
+    private final Boolean od1Flag;
+    private final Boolean od2Flag;
+    private final Boolean lien;
+    /** Why the money is held - null when it is not. */
+    private final String lienReason;
+    private final LocalDate payDate;
+    private final BigDecimal paymentAmount;
+    private final BigDecimal currentBalance;
+    private final BigDecimal openingBalance;
+
+    /**
+     * Where this account stands against the instalments it should have paid by today.
+     *
+     * A daily scheme is a promise to pay a fixed sum every day, and the only figure the screen used to
+     * show was the running balance - which says how much has been paid but not whether it was paid on
+     * time. A customer eleven instalments behind and one who is four ahead can hold the same balance.
+     *
+     * {@code advanceAmount} is signed: positive is paid ahead, negative is behind. The rest of these
+     * read it in the bank's own terms - how many days that comes to, how much of a shortfall can still
+     * be recovered within the catch-up window, and how much has fallen outside it and is gone.
+     */
+    private final Integer instalmentsDue;
+    private final BigDecimal expectedToDate;
+    private final BigDecimal collectedToDate;
+    private final BigDecimal advanceAmount;
+    private final Integer advanceDays;
+    private final Integer arrearsDays;
+    private final BigDecimal recoverableAmount;
+    /** Instalments now past the catch-up window. These are not collected again - they are lost. */
+    private final Integer skippedDays;
+    private final BigDecimal skippedAmount;
+    private final Boolean isSmsActive;
+    private final Boolean isEmailActive;
+    /** Interest worked out but not yet credited, and how far it is calculated through. */
+    private final BigDecimal interestCalc;
+    private final LocalDate interestDate;
+
+    /** The same pair for the OD interest stream, which runs and posts independently. */
+    private final BigDecimal odInterestCalc;
+    private final LocalDate odInterestDate;
+    private final String spDescription;
+    private final String freezeCode;
+    private final String advCode;
+    private final String creditToBranch;
+    private final String creditToAccountType;
+    private final String creditToAccount;
+    private final Boolean nomineeApplicable;
+    private final String nomineeSplitMode;
+    private final String status;
+    private final LocalDate closeDate;
+    private final Collection<PartyNomineeData> nominees;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/data/PartyNomineeData.java

@@ -0,0 +1,69 @@
+/**
+ * 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.portfolio.dds.party.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+
+@Getter
+public final class PartyNomineeData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final LocalDate nominationDate;
+    private final String name;
+    private final String mobileNo;
+    private final LocalDate birthDate;
+    private final Boolean minor;
+    private final String relation;
+    private final String gender;
+    private final String guardianName;
+    /** Null under a Sequence split, where the order the nominees are paid in is the entitlement. */
+    private final BigDecimal sharePercent;
+    /** Null under a Percentage split, where everyone is paid at once and there is no first. */
+    private final Integer sequenceNo;
+
+    public static PartyNomineeData instance(final Long id, final LocalDate nominationDate, final String name, final String mobileNo,
+            final LocalDate birthDate, final Boolean minor, final String relation, final String gender, final String guardianName,
+            final BigDecimal sharePercent, final Integer sequenceNo) {
+        return new PartyNomineeData(id, nominationDate, name, mobileNo, birthDate, minor, relation, gender, guardianName, sharePercent,
+                sequenceNo);
+    }
+
+    private PartyNomineeData(final Long id, final LocalDate nominationDate, final String name, final String mobileNo,
+            final LocalDate birthDate, final Boolean minor, final String relation, final String gender, final String guardianName,
+            final BigDecimal sharePercent, final Integer sequenceNo) {
+        this.id = id;
+        this.nominationDate = nominationDate;
+        this.name = name;
+        this.mobileNo = mobileNo;
+        this.birthDate = birthDate;
+        this.minor = minor;
+        this.relation = relation;
+        this.gender = gender;
+        this.guardianName = guardianName;
+        this.sharePercent = sharePercent;
+        this.sequenceNo = sequenceNo;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/domain/Party.java

@@ -0,0 +1,791 @@
+/**
+ * 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.portfolio.dds.party.domain;
+
+import jakarta.persistence.CascadeType;
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.OneToMany;
+import jakarta.persistence.OrderBy;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.math.BigDecimal;
+import java.math.MathContext;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.temporal.ChronoUnit;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.function.Consumer;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+import org.apache.fineract.organisation.agent.domain.Agent;
+import org.apache.fineract.organisation.office.domain.Office;
+import org.apache.fineract.portfolio.client.domain.Client;
+
+/**
+ * A DDS Party - the customer's daily-deposit scheme account, linked to the Agent who collects for it.
+ * Carries the scheme's KYC, terms and two-stage overdue flags, plus a nominee list.
+ *
+ * The underlying RD (recurring deposit) account this scheme conceptually reuses is not wired up yet -
+ * {@code savingsAccountId} is a nullable placeholder for that future linkage (see the DDS architecture
+ * decision to reuse the RD engine for the deposit half). Until then the scheme/balance fields below
+ * are this record's own, not mirrored from any m_savings_account row.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_party", uniqueConstraints = { @UniqueConstraint(columnNames = { "party_code" }, name = "party_code_UNIQUE") })
+public class Party extends AbstractAuditableCustom {
+
+    /** DDS accounts carry a flat interest rate unless the officer explicitly overrides it at creation. */
+    private static final BigDecimal DEFAULT_INTEREST_RATE = new BigDecimal("2");
+
+    /** Interest is quoted per annum, so the daily instalments are pro-rated over a year. */
+    private static final int DAYS_IN_YEAR = 365;
+
+    private static final MathContext MATH_CONTEXT = new MathContext(19, RoundingMode.HALF_UP);
+
+    public static final String STATUS_ACTIVE = "ACTIVE";
+    public static final String STATUS_CLOSED = "CLOSED";
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @ManyToOne
+    @JoinColumn(name = "agent_id", nullable = false)
+    private Agent agent;
+
+    /**
+     * The branch this account belongs to.
+     *
+     * Its own, not the collecting agent's. An agent working out of one branch can hold accounts for
+     * customers of another, and reassigning an account to a different agent should not move the
+     * customer's branch with it. Defaults to the agent's branch when the caller does not name one,
+     * which is what the account was read as before it had a branch of its own.
+     */
+    @ManyToOne
+    @JoinColumn(name = "office_id")
+    private Office office;
+
+    @Column(name = "savings_account_id")
+    private Long savingsAccountId;
+
+    @Column(name = "sub_type", length = 60, nullable = false)
+    private String subType;
+
+    @Column(name = "party_code", length = 20, nullable = false)
+    private String partyCode;
+
+    /** The DDS account's own number - see 0514. Given once the party has an id, and never changed. */
+    @Column(name = "account_no", length = 20)
+    private String accountNo;
+
+    @Column(name = "last_account", length = 50)
+    private String lastAccount;
+
+    @Column(name = "nominal", nullable = false)
+    private boolean nominal;
+
+    @Column(name = "aadhar_no", length = 20)
+    private String aadharNo;
+
+    @Column(name = "party_name", length = 100, nullable = false)
+    private String partyName;
+
+    @Column(name = "party_name1", length = 100)
+    private String partyName1;
+
+    @Column(name = "address1", length = 200, nullable = false)
+    private String address1;
+
+    @Column(name = "address2", length = 200)
+    private String address2;
+
+    @Column(name = "address3", length = 200)
+    private String address3;
+
+    @Column(name = "city", length = 100, nullable = false)
+    private String city;
+
+    @Column(name = "pincode", length = 20, nullable = false)
+    private String pincode;
+
+    @Column(name = "gender", length = 20)
+    private String gender;
+
+    @Column(name = "pan_card_no", length = 20)
+    private String panCardNo;
+
+    @Column(name = "telephone", length = 20)
+    private String telephone;
+
+    @Column(name = "mobile_no_sms", length = 20, nullable = false)
+    private String mobileNoSms;
+
+    @Column(name = "operation", length = 20, nullable = false)
+    private String operation;
+
+    @Column(name = "birth_date")
+    private LocalDate birthDate;
+
+    @Column(name = "occupation", length = 40)
+    private String occupation;
+
+    @Column(name = "risk", length = 20)
+    private String risk;
+
+    @Column(name = "ckyc_id", length = 40)
+    private String ckycId;
+
+    @Column(name = "adult_minor", length = 20, nullable = false)
+    private String adultMinor;
+
+    @Column(name = "minor_date")
+    private LocalDate minorDate;
+
+    @Column(name = "guardian_client_id")
+    private Long guardianClientId;
+
+    @Column(name = "min_account_opt", length = 40)
+    private String minAccountOpt;
+
+    @Column(name = "relation", length = 40)
+    private String relation;
+
+    @Column(name = "opening_date", nullable = false)
+    private LocalDate openingDate;
+
+    @Column(name = "months")
+    private Integer month;
+
+    @Column(name = "maturity_date")
+    private LocalDate maturityDate;
+
+    @Column(name = "reopen_date")
+    private LocalDate reopenDate;
+
+    @Column(name = "deposit_amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal depositAmount;
+
+    @Column(name = "daily_deposit_amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal dailyDepositAmount;
+
+    @Column(name = "days", nullable = false)
+    private Integer days;
+
+    @Column(name = "ledger_no", length = 40)
+    private String ledgerNo;
+
+    @Column(name = "maturity_amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal maturityAmount;
+
+    @Column(name = "interest_rate", scale = 6, precision = 19, nullable = false)
+    private BigDecimal interestRate;
+
+    @Column(name = "withdraw_type", length = 20)
+    private String withdrawType;
+
+    @Column(name = "od1_flag", nullable = false)
+    private boolean od1Flag;
+
+    @Column(name = "od2_flag", nullable = false)
+    private boolean od2Flag;
+
+    /**
+     * Whether this account's money is being held, and so cannot leave.
+     *
+     * Deposits are unaffected - the agent collects as before and interest posts as before. What is
+     * refused is every way out: the maturity payout, an early closure, and a transfer to another
+     * party. A lien that stopped the collections would defeat the scheme it is securing.
+     */
+    @Column(name = "lien", nullable = false)
+    private boolean lien;
+
+    /**
+     * Why the money is held.
+     *
+     * The flag alone says an account is frozen and never says what for, which is how a held deposit
+     * outlives the loan it secured: months later nobody can tell whether it has been repaid, so
+     * nobody will release it and nobody can justify keeping it.
+     *
+     * It falls to a line of text because DDS and the loan module are not connected - nothing else in
+     * the system links a held deposit to the loan behind it.
+     */
+    @Column(name = "lien_reason", length = 200)
+    private String lienReason;
+
+    @Column(name = "pay_date")
+    private LocalDate payDate;
+
+    @Column(name = "payment_amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal paymentAmount;
+
+    @Column(name = "current_balance", scale = 6, precision = 19, nullable = false)
+    private BigDecimal currentBalance;
+
+    @Column(name = "opening_balance", scale = 6, precision = 19, nullable = false)
+    private BigDecimal openingBalance;
+
+    @Column(name = "is_sms_active", nullable = false)
+    private boolean isSmsActive;
+
+    @Column(name = "is_email_active", nullable = false)
+    private boolean isEmailActive;
+
+    /** Interest worked out but not yet credited - the legacy screen's "Int.Calc". */
+    @Column(name = "interest_calc", scale = 6, precision = 19, nullable = false)
+    private BigDecimal interestCalc;
+
+    /** How far regular interest has been calculated through. */
+    @Column(name = "interest_date")
+    private LocalDate interestDate;
+
+    /**
+     * OD interest is a second stream over the same account, run and posted independently of regular
+     * interest, so it keeps its own accrued figure and through-date rather than sharing them.
+     */
+    @Column(name = "od_interest_calc", scale = 6, precision = 19, nullable = false)
+    private BigDecimal odInterestCalc;
+
+    @Column(name = "od_interest_date")
+    private LocalDate odInterestDate;
+
+    @Column(name = "sp_description", length = 500)
+    private String spDescription;
+
+    @Column(name = "freeze_code", length = 20, nullable = false)
+    private String freezeCode;
+
+    @Column(name = "adv_code", length = 40, nullable = false)
+    private String advCode;
+
+    @Column(name = "credit_to_branch", length = 100)
+    private String creditToBranch;
+
+    @Column(name = "credit_to_account_type", length = 100)
+    private String creditToAccountType;
+
+    @Column(name = "credit_to_account", length = 50)
+    private String creditToAccount;
+
+    @Column(name = "nominee_applicable", nullable = false)
+    private boolean nomineeApplicable;
+
+    @Column(name = "nominee_split_mode", length = 20)
+    private String nomineeSplitMode;
+
+    @Column(name = "status", length = 20, nullable = false)
+    private String status;
+
+    @Column(name = "close_date")
+    private LocalDate closeDate;
+
+    @OneToMany(mappedBy = "party", cascade = CascadeType.ALL, orphanRemoval = true, fetch = FetchType.LAZY)
+    @OrderBy("id")
+    private List<PartyNominee> nominees = new ArrayList<>();
+
+    protected Party() {
+        //
+    }
+
+    private Party(final Client client, final Agent agent, final Office office, final String partyCode, final JsonCommand command) {
+        this.client = client;
+        this.agent = agent;
+        this.office = office;
+        this.partyCode = partyCode;
+        this.subType = command.stringValueOfParameterNamed("subType");
+        this.lastAccount = command.stringValueOfParameterNamedAllowingNull("lastAccount");
+        this.nominal = command.booleanPrimitiveValueOfParameterNamed("nominal");
+        this.aadharNo = command.stringValueOfParameterNamedAllowingNull("aadharNo");
+        this.partyName = command.stringValueOfParameterNamed("partyName");
+        this.partyName1 = command.stringValueOfParameterNamedAllowingNull("partyName1");
+        this.address1 = command.stringValueOfParameterNamed("address1");
+        this.address2 = command.stringValueOfParameterNamedAllowingNull("address2");
+        this.address3 = command.stringValueOfParameterNamedAllowingNull("address3");
+        this.city = command.stringValueOfParameterNamed("city");
+        this.pincode = command.stringValueOfParameterNamed("pincode");
+        this.gender = command.stringValueOfParameterNamedAllowingNull("gender");
+        this.panCardNo = command.stringValueOfParameterNamedAllowingNull("panCardNo");
+        this.telephone = command.stringValueOfParameterNamedAllowingNull("telephone");
+        this.mobileNoSms = command.stringValueOfParameterNamed("mobileNoSms");
+        this.operation = command.stringValueOfParameterNamed("operation");
+        this.birthDate = command.localDateValueOfParameterNamed("birthDate");
+        this.occupation = command.stringValueOfParameterNamedAllowingNull("occupation");
+        this.risk = command.stringValueOfParameterNamedAllowingNull("risk");
+        this.ckycId = command.stringValueOfParameterNamedAllowingNull("ckycId");
+        this.adultMinor = command.stringValueOfParameterNamed("adultMinor");
+        this.minorDate = command.localDateValueOfParameterNamed("minorDate");
+        this.guardianClientId = command.longValueOfParameterNamed("guardianClientId");
+        this.minAccountOpt = command.stringValueOfParameterNamedAllowingNull("minAccountOpt");
+        this.relation = command.stringValueOfParameterNamedAllowingNull("relation");
+        this.openingDate = command.localDateValueOfParameterNamed("openingDate");
+        this.month = command.integerValueOfParameterNamedDefaultToNullIfZero("month");
+        // maturityDate and maturityAmount are not read from the request - recalculateTerm() below
+        // works both out from the opening date and the terms.
+        this.reopenDate = command.localDateValueOfParameterNamed("reopenDate");
+        this.depositAmount = orZero(command.bigDecimalValueOfParameterNamedDefaultToNullIfZero("depositAmount"));
+        this.dailyDepositAmount = command.bigDecimalValueOfParameterNamed("dailyDepositAmount");
+        this.days = command.integerValueOfParameterNamed("days");
+        this.ledgerNo = command.stringValueOfParameterNamedAllowingNull("ledgerNo");
+        this.maturityAmount = BigDecimal.ZERO;
+        this.interestRate = command.parameterExists("interestRate")
+                ? command.bigDecimalValueOfParameterNamed("interestRate")
+                : DEFAULT_INTEREST_RATE;
+        this.withdrawType = command.stringValueOfParameterNamedAllowingNull("withdrawType");
+        this.od1Flag = false;
+        this.od2Flag = false;
+        this.lien = command.booleanPrimitiveValueOfParameterNamed("lien");
+        this.lienReason = StringUtils.trimToNull(command.stringValueOfParameterNamedAllowingNull("lienReason"));
+        this.payDate = command.localDateValueOfParameterNamed("payDate");
+        this.paymentAmount = orZero(command.bigDecimalValueOfParameterNamedDefaultToNullIfZero("paymentAmount"));
+        this.openingBalance = orZero(command.bigDecimalValueOfParameterNamedDefaultToNullIfZero("openingBalance"));
+        this.currentBalance = this.openingBalance;
+        this.isSmsActive = command.booleanPrimitiveValueOfParameterNamed("isSmsActive");
+        this.isEmailActive = command.booleanPrimitiveValueOfParameterNamed("isEmailActive");
+        this.interestCalc = BigDecimal.ZERO;
+        this.interestDate = command.localDateValueOfParameterNamed("interestDate");
+        this.odInterestCalc = BigDecimal.ZERO;
+        this.odInterestDate = null;
+        this.spDescription = command.stringValueOfParameterNamedAllowingNull("spDescription");
+        this.freezeCode = StringUtils.defaultIfBlank(command.stringValueOfParameterNamedAllowingNull("freezeCode"), "Normal");
+        this.advCode = StringUtils.defaultIfBlank(command.stringValueOfParameterNamedAllowingNull("advCode"), "None");
+        this.creditToBranch = command.stringValueOfParameterNamedAllowingNull("creditToBranch");
+        this.creditToAccountType = command.stringValueOfParameterNamedAllowingNull("creditToAccountType");
+        this.creditToAccount = command.stringValueOfParameterNamedAllowingNull("creditToAccount");
+        this.nomineeApplicable = command.booleanPrimitiveValueOfParameterNamed("nomineeApplicable");
+        this.nomineeSplitMode = StringUtils.defaultIfBlank(command.stringValueOfParameterNamedAllowingNull("nomineeSplitMode"),
+                "Percentage");
+        this.status = STATUS_ACTIVE;
+
+        recalculateTerm();
+    }
+
+    /**
+     * Takes the scheme's interest rate. The rate belongs to the scheme, not to the counter: it is set
+     * when the account is opened or moved to another scheme, and again on every open account whenever
+     * the bank changes the scheme's rate, with the maturity figure worked out again on it.
+     */
+    public void takeSchemeRate(final BigDecimal schemeRate) {
+        this.interestRate = schemeRate == null ? BigDecimal.ZERO : schemeRate;
+        recalculateTerm();
+    }
+
+    /**
+     * Works out the maturity date and amount from the terms just set.
+     *
+     * Both are quoted to the customer when the account is opened, so neither is taken from the
+     * request: a figure the caller supplies is a figure the caller can get wrong or tamper with.
+     * The screen shows the same numbers as a preview, worked out the same way.
+     */
+    private void recalculateTerm() {
+        if (this.openingDate != null) {
+            if (this.month != null && this.month > 0) {
+                this.maturityDate = this.openingDate.plusMonths(this.month);
+                // Collection runs every day of the term without a break, so the number of instalments
+                // is the number of days - it is not a separate thing for anyone to type.
+                //
+                // It was asked for, and a figure below the term's own length quietly broke the
+                // maturity quote: an account collecting a hundred rupees a day for thirty days with
+                // ten instalments keyed against it was quoted a thousand rupees and would collect
+                // three. Working it out here means the two can no longer disagree.
+                this.days = (int) ChronoUnit.DAYS.between(this.openingDate, this.maturityDate);
+            } else if (this.days != null && this.days > 0) {
+                // No month given, so the term is the run of days itself and days stands as entered.
+                this.maturityDate = this.openingDate.plusDays(this.days);
+            }
+        }
+        this.maturityAmount = calculateMaturityAmount();
+    }
+
+    /**
+     * What the account matures to: every instalment paid in, plus simple interest on each for the
+     * time it sits until maturity.
+     *
+     * The first instalment earns over the whole term and the last over none, which comes to
+     * n(n+1)/2 instalment-days of interest across n instalments. At a zero rate this is just the
+     * instalments themselves.
+     */
+    private BigDecimal calculateMaturityAmount() {
+        if (this.dailyDepositAmount == null || this.days == null || this.days <= 0
+                || this.dailyDepositAmount.compareTo(BigDecimal.ZERO) <= 0) {
+            return BigDecimal.ZERO;
+        }
+
+        final BigDecimal instalments = BigDecimal.valueOf(this.days);
+        final BigDecimal principal = this.dailyDepositAmount.multiply(instalments);
+
+        final BigDecimal rate = this.interestRate == null ? BigDecimal.ZERO : this.interestRate;
+        if (rate.compareTo(BigDecimal.ZERO) <= 0) {
+            return principal.setScale(2, RoundingMode.HALF_UP);
+        }
+
+        final BigDecimal instalmentDays = instalments.multiply(instalments.add(BigDecimal.ONE))
+                .divide(BigDecimal.valueOf(2), MATH_CONTEXT);
+        final BigDecimal interest = this.dailyDepositAmount.multiply(instalmentDays).multiply(rate)
+                .divide(BigDecimal.valueOf(100), MATH_CONTEXT)
+                .divide(BigDecimal.valueOf(DAYS_IN_YEAR), MATH_CONTEXT);
+
+        return principal.add(interest).setScale(2, RoundingMode.HALF_UP);
+    }
+
+    public static Party fromJson(final Client client, final Agent agent, final Office office, final String partyCode,
+            final JsonCommand command) {
+        return new Party(client, agent, office, partyCode, command);
+    }
+
+    /** Moves this account to another branch, which a party update may do on its own. */
+    public void changeOffice(final Office newOffice) {
+        this.office = newOffice;
+    }
+
+    private static BigDecimal orZero(final BigDecimal value) {
+        return value == null ? BigDecimal.ZERO : value;
+    }
+
+    public void addNominee(final PartyNominee nominee) {
+        nominee.setParty(this);
+        this.nominees.add(nominee);
+    }
+
+    public void resetNominees() {
+        this.nominees.clear();
+    }
+
+    public void changeClient(final Client newClient) {
+        this.client = newClient;
+    }
+
+    public void changeAgent(final Agent newAgent) {
+        this.agent = newAgent;
+    }
+
+    /**
+     * Links this Party to an existing real Savings Account, resolved by account number in the write
+     * service. There is no unlink - once a Party's DDS scheme is tied to a real account, it stays
+     * tied.
+     */
+    public void linkSavingsAccount(final Long savingsAccountId) {
+        this.savingsAccountId = savingsAccountId;
+    }
+
+    /** Numbers the account from its id, the same way 0514 numbered the accounts already open. */
+    public void assignAccountNo() {
+        if (this.accountNo == null && getId() != null) {
+            this.accountNo = "DDS" + String.format("%09d", getId());
+        }
+    }
+
+    public BigDecimal credit(final BigDecimal amount) {
+        this.currentBalance = this.currentBalance.add(amount);
+        return this.currentBalance;
+    }
+
+    public BigDecimal debit(final BigDecimal amount) {
+        this.currentBalance = this.currentBalance.subtract(amount);
+        return this.currentBalance;
+    }
+
+    /**
+     * Turns a minor's account over to its holder, now that they have come of age and been identified.
+     *
+     * Until this the guardian operates the account and the bank deals with them. After it the customer
+     * holds it in their own right, so the guardian is kept only as a record of who stood for them
+     * before - the account is no longer theirs to operate.
+     *
+     * Not done on the birthday alone. An eighteen-year-old the bank has not yet identified is somebody
+     * it cannot pay, so the turnover waits on their own KYC being verified.
+     */
+    public void becomeAdult() {
+        this.adultMinor = ADULT;
+    }
+
+    public boolean isMinor() {
+        return MINOR.equalsIgnoreCase(this.adultMinor);
+    }
+
+    private static final String MINOR = "Minor";
+    private static final String ADULT = "Adult";
+
+    public boolean isClosed() {
+        return STATUS_CLOSED.equals(this.status);
+    }
+
+    /**
+     * Closes this Party's account as of the given date. The balance must already be zero - a Party
+     * is settled to zero (a full Withdraw Deposite/payout) before it is closed, not closed with money
+     * still owed to it.
+     */
+    public void close(final LocalDate closeDate) {
+        this.status = STATUS_CLOSED;
+        this.closeDate = closeDate;
+    }
+
+    /**
+     * Interest Calculation: parks the interest earned since {@code interestDate} in the account's
+     * accrued-interest figure - the legacy screen's "Int.Calc" - and stamps the date interest is now
+     * calculated up to. The balance is untouched, because interest is not the customer's to draw on
+     * until it is posted.
+     *
+     * The stamp is what keeps this safe to re-run: a second calculation for the same date finds no
+     * days left to accrue, so the same interest cannot be earned twice.
+     */
+    public void accrueInterest(final BigDecimal amount, final LocalDate throughDate, final boolean odInterest) {
+        if (odInterest) {
+            this.odInterestCalc = this.odInterestCalc.add(amount);
+            this.odInterestDate = throughDate;
+        } else {
+            this.interestCalc = this.interestCalc.add(amount);
+            this.interestDate = throughDate;
+        }
+    }
+
+    /** How far the given interest stream has been calculated through - where the next run starts from. */
+    public LocalDate interestCalculatedThrough(final boolean odInterest) {
+        return odInterest ? this.odInterestDate : this.interestDate;
+    }
+
+    /** What the given interest stream is holding, waiting to be posted. */
+    public BigDecimal accruedInterest(final boolean odInterest) {
+        return odInterest ? this.odInterestCalc : this.interestCalc;
+    }
+
+    /**
+     * Interest Posting: moves the given amount out of accrued interest and into the balance, and
+     * returns the new balance.
+     *
+     * The amount is the one the run previewed rather than whatever is accrued at this moment, so what
+     * gets credited is always what was seen and approved. Since it comes off the accrued figure, a
+     * second posting of the same interest finds nothing left to move.
+     */
+    public BigDecimal postInterest(final BigDecimal amount, final boolean odInterest) {
+        if (odInterest) {
+            this.odInterestCalc = this.odInterestCalc.subtract(amount);
+        } else {
+            this.interestCalc = this.interestCalc.subtract(amount);
+        }
+        this.currentBalance = this.currentBalance.add(amount);
+        return this.currentBalance;
+    }
+
+    public Long clientId() {
+        return this.client.getId();
+    }
+
+    public Long agentId() {
+        return this.agent.getId();
+    }
+
+    public Map<String, Object> update(final JsonCommand command) {
+
+        final Map<String, Object> actualChanges = new LinkedHashMap<>(40);
+
+        if (command.isChangeInLongParameterNamed("clientId", this.client.getId())) {
+            actualChanges.put("clientId", command.longValueOfParameterNamed("clientId"));
+        }
+        if (command.isChangeInLongParameterNamed("agentId", this.agent.getId())) {
+            actualChanges.put("agentId", command.longValueOfParameterNamed("agentId"));
+        }
+
+        stringChange(command, actualChanges, "subType", this.subType, v -> this.subType = v);
+        stringChange(command, actualChanges, "lastAccount", this.lastAccount, v -> this.lastAccount = v);
+
+        if (command.isChangeInBooleanParameterNamed("nominal", this.nominal)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("nominal");
+            actualChanges.put("nominal", newValue);
+            this.nominal = newValue;
+        }
+
+        stringChange(command, actualChanges, "aadharNo", this.aadharNo, v -> this.aadharNo = v);
+        stringChange(command, actualChanges, "partyName", this.partyName, v -> this.partyName = v);
+        stringChange(command, actualChanges, "partyName1", this.partyName1, v -> this.partyName1 = v);
+        stringChange(command, actualChanges, "address1", this.address1, v -> this.address1 = v);
+        stringChange(command, actualChanges, "address2", this.address2, v -> this.address2 = v);
+        stringChange(command, actualChanges, "address3", this.address3, v -> this.address3 = v);
+        stringChange(command, actualChanges, "city", this.city, v -> this.city = v);
+        stringChange(command, actualChanges, "pincode", this.pincode, v -> this.pincode = v);
+        stringChange(command, actualChanges, "gender", this.gender, v -> this.gender = v);
+        stringChange(command, actualChanges, "panCardNo", this.panCardNo, v -> this.panCardNo = v);
+        stringChange(command, actualChanges, "telephone", this.telephone, v -> this.telephone = v);
+        stringChange(command, actualChanges, "mobileNoSms", this.mobileNoSms, v -> this.mobileNoSms = v);
+        stringChange(command, actualChanges, "operation", this.operation, v -> this.operation = v);
+
+        if (command.isChangeInDateParameterNamed("birthDate", this.birthDate)) {
+            actualChanges.put("birthDate", command.stringValueOfParameterNamed("birthDate"));
+            this.birthDate = command.localDateValueOfParameterNamed("birthDate");
+        }
+
+        stringChange(command, actualChanges, "occupation", this.occupation, v -> this.occupation = v);
+        stringChange(command, actualChanges, "risk", this.risk, v -> this.risk = v);
+        stringChange(command, actualChanges, "ckycId", this.ckycId, v -> this.ckycId = v);
+        stringChange(command, actualChanges, "adultMinor", this.adultMinor, v -> this.adultMinor = v);
+
+        if (command.isChangeInDateParameterNamed("minorDate", this.minorDate)) {
+            actualChanges.put("minorDate", command.stringValueOfParameterNamed("minorDate"));
+            this.minorDate = command.localDateValueOfParameterNamed("minorDate");
+        }
+
+        if (command.isChangeInLongParameterNamed("guardianClientId", this.guardianClientId)) {
+            final Long newValue = command.longValueOfParameterNamed("guardianClientId");
+            actualChanges.put("guardianClientId", newValue);
+            this.guardianClientId = newValue;
+        }
+
+        stringChange(command, actualChanges, "minAccountOpt", this.minAccountOpt, v -> this.minAccountOpt = v);
+        stringChange(command, actualChanges, "relation", this.relation, v -> this.relation = v);
+
+        if (command.isChangeInDateParameterNamed("openingDate", this.openingDate)) {
+            actualChanges.put("openingDate", command.stringValueOfParameterNamed("openingDate"));
+            this.openingDate = command.localDateValueOfParameterNamed("openingDate");
+        }
+
+        if (command.isChangeInIntegerParameterNamed("month", this.month)) {
+            final Integer newValue = command.integerValueOfParameterNamed("month");
+            actualChanges.put("month", newValue);
+            this.month = newValue;
+        }
+
+        if (command.isChangeInDateParameterNamed("reopenDate", this.reopenDate)) {
+            actualChanges.put("reopenDate", command.stringValueOfParameterNamed("reopenDate"));
+            this.reopenDate = command.localDateValueOfParameterNamed("reopenDate");
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("depositAmount", this.depositAmount)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("depositAmount");
+            actualChanges.put("depositAmount", newValue);
+            this.depositAmount = newValue;
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("dailyDepositAmount", this.dailyDepositAmount)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("dailyDepositAmount");
+            actualChanges.put("dailyDepositAmount", newValue);
+            this.dailyDepositAmount = newValue;
+        }
+
+        if (command.isChangeInIntegerParameterNamed("days", this.days)) {
+            final Integer newValue = command.integerValueOfParameterNamed("days");
+            actualChanges.put("days", newValue);
+            this.days = newValue;
+        }
+
+        // The rate is not edited here: it is the scheme's, taken when the account is opened or moved
+        // to another scheme - see takeSchemeRate.
+
+        stringChange(command, actualChanges, "ledgerNo", this.ledgerNo, v -> this.ledgerNo = v);
+        stringChange(command, actualChanges, "withdrawType", this.withdrawType, v -> this.withdrawType = v);
+
+        if (command.isChangeInBooleanParameterNamed("lien", this.lien)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("lien");
+            actualChanges.put("lien", newValue);
+            this.lien = newValue;
+        }
+
+        stringChange(command, actualChanges, "lienReason", this.lienReason, v -> this.lienReason = v);
+
+        // A released account explains nothing, so the reason goes with the hold. Leaving it behind
+        // would have the screen read "Lien: No, held for Loan #1234" - a sentence that contradicts
+        // itself, and which somebody will one day read as the account still being held.
+        //
+        // Nothing is lost: what it was held for, who released it and when are all on the command the
+        // release rode in on, which maker-checker keeps.
+        if (!this.lien && this.lienReason != null) {
+            actualChanges.put("lienReason", null);
+            this.lienReason = null;
+        }
+
+        if (command.isChangeInDateParameterNamed("payDate", this.payDate)) {
+            actualChanges.put("payDate", command.stringValueOfParameterNamed("payDate"));
+            this.payDate = command.localDateValueOfParameterNamed("payDate");
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("paymentAmount", this.paymentAmount)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("paymentAmount");
+            actualChanges.put("paymentAmount", newValue);
+            this.paymentAmount = newValue;
+        }
+
+        if (command.isChangeInBigDecimalParameterNamed("openingBalance", this.openingBalance)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed("openingBalance");
+            actualChanges.put("openingBalance", newValue);
+            this.openingBalance = newValue;
+        }
+
+        if (command.isChangeInBooleanParameterNamed("isSmsActive", this.isSmsActive)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("isSmsActive");
+            actualChanges.put("isSmsActive", newValue);
+            this.isSmsActive = newValue;
+        }
+
+        if (command.isChangeInBooleanParameterNamed("isEmailActive", this.isEmailActive)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("isEmailActive");
+            actualChanges.put("isEmailActive", newValue);
+            this.isEmailActive = newValue;
+        }
+
+        if (command.isChangeInDateParameterNamed("interestDate", this.interestDate)) {
+            actualChanges.put("interestDate", command.stringValueOfParameterNamed("interestDate"));
+            this.interestDate = command.localDateValueOfParameterNamed("interestDate");
+        }
+
+        stringChange(command, actualChanges, "spDescription", this.spDescription, v -> this.spDescription = v);
+        stringChange(command, actualChanges, "freezeCode", this.freezeCode, v -> this.freezeCode = v);
+        stringChange(command, actualChanges, "advCode", this.advCode, v -> this.advCode = v);
+        stringChange(command, actualChanges, "creditToBranch", this.creditToBranch, v -> this.creditToBranch = v);
+        stringChange(command, actualChanges, "creditToAccountType", this.creditToAccountType, v -> this.creditToAccountType = v);
+        stringChange(command, actualChanges, "creditToAccount", this.creditToAccount, v -> this.creditToAccount = v);
+
+        if (command.isChangeInBooleanParameterNamed("nomineeApplicable", this.nomineeApplicable)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed("nomineeApplicable");
+            actualChanges.put("nomineeApplicable", newValue);
+            this.nomineeApplicable = newValue;
+        }
+
+        stringChange(command, actualChanges, "nomineeSplitMode", this.nomineeSplitMode, v -> this.nomineeSplitMode = v);
+
+        // Correcting a term, an instalment or the rate has to move the maturity figures with it -
+        // otherwise the account keeps quoting what it was worth under the old terms.
+        final LocalDate maturityDateBefore = this.maturityDate;
+        final BigDecimal maturityAmountBefore = this.maturityAmount;
+        recalculateTerm();
+        if (!java.util.Objects.equals(maturityDateBefore, this.maturityDate)) {
+            actualChanges.put("maturityDate", this.maturityDate);
+        }
+        if (maturityAmountBefore == null || this.maturityAmount.compareTo(maturityAmountBefore) != 0) {
+            actualChanges.put("maturityAmount", this.maturityAmount);
+        }
+
+        return actualChanges;
+    }
+
+    private void stringChange(final JsonCommand command, final Map<String, Object> actualChanges, final String paramName,
+            final String existingValue, final Consumer<String> setter) {
+        if (command.isChangeInStringParameterNamed(paramName, existingValue)) {
+            final String newValue = command.stringValueOfParameterNamed(paramName);
+            actualChanges.put(paramName, newValue);
+            setter.accept(newValue);
+        }
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/domain/PartyNominee.java

@@ -0,0 +1,146 @@
+/**
+ * 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.portfolio.dds.party.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+
+/**
+ * A single nominee recorded against a {@link Party}. Maker-checker on nominee edits is enforced at
+ * the command layer (the whole Party update goes through the standard maker-checker command flow),
+ * not on this child row individually.
+ *
+ * Audited in its own right rather than only through the party: this row decides who receives a
+ * customer's money after them, and "the party changed at 16:19" does not say that the person named
+ * to receive it was replaced, nor by whom.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_party_nominee")
+public class PartyNominee extends AbstractAuditableCustom {
+
+    @ManyToOne
+    @JoinColumn(name = "party_id", nullable = false)
+    private Party party;
+
+    @Column(name = "nomination_date", nullable = false)
+    private LocalDate nominationDate;
+
+    @Column(name = "name", length = 100, nullable = false)
+    private String name;
+
+    @Column(name = "mobile_no", length = 20)
+    private String mobileNo;
+
+    @Column(name = "birth_date")
+    private LocalDate birthDate;
+
+    /**
+     * Whether this nominee was under age when nominated, worked out from their date of birth rather
+     * than asked for.
+     *
+     * Asked for, it was got wrong: a ten-year-old was recorded as not a minor, and so no guardian
+     * was required for them. The date of birth is captured either way and already holds the answer,
+     * so the clerk is not asked a second time in a form that can disagree with the first.
+     *
+     * Kept as a stored column rather than worked out on reading, because it is the age at the
+     * moment of nomination that the record is of - a nominee who has since come of age was still a
+     * minor on the day they were named, and the guardian named beside them belongs to that day.
+     */
+    @Column(name = "minor", nullable = false)
+    private boolean minor;
+
+    /** India's age of majority, which is what makes a nominee one who needs a guardian named. */
+    private static final int AGE_OF_MAJORITY = 18;
+
+    @Column(name = "relation", length = 40, nullable = false)
+    private String relation;
+
+    @Column(name = "gender", length = 20, nullable = false)
+    private String gender;
+
+    @Column(name = "guardian_name", length = 100)
+    private String guardianName;
+
+    /**
+     * What this nominee is entitled to, under a Percentage split. Null under a Sequence split, where
+     * the order the nominees are held in is the entitlement and there is no share to state.
+     */
+    @Column(name = "share_percent", precision = 5, scale = 2)
+    private BigDecimal sharePercent;
+
+    /**
+     * Where this nominee stands in the order the bank pays, under a Sequence split. Null under a
+     * Percentage split, where everyone is paid at once and there is no first.
+     */
+    @Column(name = "sequence_no")
+    private Integer sequenceNo;
+
+    protected PartyNominee() {
+        //
+    }
+
+    public PartyNominee(final LocalDate nominationDate, final String name, final String mobileNo, final LocalDate birthDate,
+            final String relation, final String gender, final String guardianName, final BigDecimal sharePercent,
+            final Integer sequenceNo) {
+        this.nominationDate = nominationDate;
+        // Trimmed on the way in. A relation typed as "friend " is a different value from "friend"
+        // to everything that groups or matches on it, and the trailing space is invisible on screen
+        // - so the two read as the same relation everywhere except where it counts.
+        this.name = StringUtils.trimToNull(name);
+        this.mobileNo = StringUtils.trimToNull(mobileNo);
+        this.birthDate = birthDate;
+        this.minor = isUnderAgeOn(birthDate, nominationDate);
+        this.relation = StringUtils.trimToNull(relation);
+        this.gender = StringUtils.trimToNull(gender);
+        this.guardianName = StringUtils.trimToNull(guardianName);
+        this.sharePercent = sharePercent;
+        this.sequenceNo = sequenceNo;
+    }
+
+    void setParty(final Party party) {
+        this.party = party;
+    }
+
+    /**
+     * Whether someone born on the given day was still under age on the day they were nominated.
+     *
+     * Measured against the nomination date rather than today, so a nomination reads the same in ten
+     * years as it did when it was made - and a nominee who has since come of age does not quietly
+     * lose the guardian who was named for them at the time.
+     *
+     * A missing date of birth is treated as not a minor: the field is required, so a null here can
+     * only be a record made before it was, and guessing "minor" would demand a guardian for someone
+     * who may well be eighty.
+     */
+    public static boolean isUnderAgeOn(final LocalDate birthDate, final LocalDate nominationDate) {
+        if (birthDate == null || nominationDate == null) {
+            return false;
+        }
+        return birthDate.isAfter(nominationDate.minusYears(AGE_OF_MAJORITY));
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/exception/PartyAlreadyClosedException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.party.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a Close Party command, or a Party Tran collection, targets a Party that is already
+ * closed.
+ */
+public class PartyAlreadyClosedException extends AbstractPlatformDomainRuleException {
+
+    public PartyAlreadyClosedException(final String partyCode) {
+        super("error.msg.party.already.closed", "Party " + partyCode + " is already closed", partyCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/exception/PartyHasBalanceException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.party.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a Close Party command is attempted while the Party's balance is still non-zero - the
+ * remaining balance must be paid out (a Withdraw Deposite to zero) before the account can be closed.
+ */
+public class PartyHasBalanceException extends AbstractPlatformDomainRuleException {
+
+    public PartyHasBalanceException(final String partyCode) {
+        super("error.msg.party.has.balance", "Party " + partyCode + " still has a non-zero balance and cannot be closed", partyCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/exception/PartyNotFoundException.java

@@ -0,0 +1,40 @@
+/**
+ * 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.portfolio.dds.party.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+import org.springframework.dao.EmptyResultDataAccessException;
+
+/**
+ * A {@link RuntimeException} thrown when a DDS party resource is not found.
+ */
+public class PartyNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public PartyNotFoundException(final Long id) {
+        super("error.msg.party.id.invalid", "Party with identifier " + id + " does not exist", id);
+    }
+
+    public PartyNotFoundException(final Long id, final EmptyResultDataAccessException e) {
+        super("error.msg.party.id.invalid", "Party with identifier " + id + " does not exist", id, e);
+    }
+
+    public PartyNotFoundException(final String partyCode) {
+        super("error.msg.party.code.invalid", "Party with code " + partyCode + " does not exist", partyCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/exception/PartySavingsAccountClientMismatchException.java

@@ -0,0 +1,33 @@
+/**
+ * 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.portfolio.dds.party.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when the savingsAccountNo given for a Party belongs to a different client than the Party's
+ * own clientId - a Party can only be linked to its own client's savings account.
+ */
+public class PartySavingsAccountClientMismatchException extends AbstractPlatformDomainRuleException {
+
+    public PartySavingsAccountClientMismatchException(final String savingsAccountNo) {
+        super("error.msg.party.savings.account.client.mismatch",
+                "Savings account " + savingsAccountNo + " does not belong to this party's client", savingsAccountNo);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/exception/PartySavingsAccountNotFoundException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.party.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+
+/**
+ * Thrown when a Party's savingsAccountNo does not match any non-closed Savings Account.
+ */
+public class PartySavingsAccountNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public PartySavingsAccountNotFoundException(final String savingsAccountNo) {
+        super("error.msg.party.savings.account.not.found", "No open savings account found with account number " + savingsAccountNo,
+                savingsAccountNo);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/party/exception/PartySubTypeNotActiveException.java

@@ -0,0 +1,38 @@
+/**
+ * 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.portfolio.dds.party.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a Party's subType is not the code of an active DDS Account Type.
+ *
+ * The Party screen's Sub Type is chosen from the DDS Account Type master, so an unknown code means
+ * the caller invented one, and a deactivated code means the scheme has been retired - existing
+ * parties on it keep running, but no new party may be opened under it.
+ */
+public class PartySubTypeNotActiveException extends AbstractPlatformDomainRuleException {
+
+    public PartySubTypeNotActiveException(final String subType, final boolean exists) {
+        super(exists ? "error.msg.party.sub.type.not.active" : "error.msg.party.sub.type.invalid",
+                exists ? "Account type " + subType + " has been deactivated, so no new party can be opened under it"
+                        : "There is no DDS account type with the code " + subType,
+                subType);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/report/data/DdsReportData.java

@@ -0,0 +1,45 @@
+/**
+ * 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.portfolio.dds.report.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.util.List;
+import java.util.Map;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * A generic tabular result shape shared by every DDS report - one column list plus one row list, both
+ * keyed the same way, so a single report viewer screen can render any of them without a bespoke
+ * result type per report.
+ */
+@Getter
+@Builder
+public final class DdsReportData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final String reportKey;
+    private final boolean available;
+    private final String message;
+    private final List<String> columns;
+    private final List<Map<String, Object>> rows;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/data/PartyTransactionData.java

@@ -0,0 +1,54 @@
+/**
+ * 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.portfolio.dds.transaction.data;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class PartyTransactionData implements Serializable {
+
+    @Serial
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final Long partyId;
+    private final String partyCode;
+    private final String partyName;
+    private final Long agentId;
+    private final String agentCode;
+    private final LocalDate transactionDate;
+    private final String transactionType;
+    private final String direction;
+    private final String transactionMode;
+    private final String accountType;
+    private final String accountNo;
+    private final BigDecimal amount;
+    private final String chequeNo;
+    private final String tokenNo;
+    private final String description;
+    private final BigDecimal balanceAfterTransaction;
+    /** The DDS voucher this line moved under, e.g. DDS/29092026/0001; empty on lines from before vouchers. */
+    private final String voucherNo;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/domain/DdsTransactionMode.java

@@ -0,0 +1,106 @@
+/**
+ * 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.portfolio.dds.transaction.domain;
+
+import java.util.Arrays;
+import java.util.List;
+import java.util.regex.Pattern;
+import java.util.stream.Collectors;
+
+/**
+ * How money changed hands on a DDS entry: over the counter, by book transfer, or through clearing.
+ *
+ * It exists because the mode used to be a free-text field. The screen only ever offered these three,
+ * but nothing behind the screen said so, and the column filled up with two spellings of the same
+ * word - `Cash` from one path and `CASH` from another. A cash book that groups by mode then reports
+ * the same day's takings twice under two headings, which is the kind of discrepancy someone spends
+ * an afternoon chasing before finding it was never a discrepancy at all.
+ *
+ * So the list lives here, once, and both the validator and the write service read it from here. What
+ * a caller sends is matched without regard to case or surrounding space, because an integration
+ * sending `cash` is unambiguous and rejecting it would be pedantry; but what gets stored is always
+ * the label below, so the column only ever holds one spelling of each.
+ *
+ * Only entries a person makes carry a mode. Interest, commission and maturity postings are the
+ * system's own work - no cash, no cheque, nothing to record - and a transfer between two DDS accounts
+ * moves nothing across the counter either, so those are left null rather than labelled.
+ */
+public enum DdsTransactionMode {
+
+    CASH("Cash"), //
+    TRANSFER("Transfer"), //
+    CLEARING("Clearing");
+
+    private final String label;
+
+    DdsTransactionMode(final String label) {
+        this.label = label;
+    }
+
+    /** The one spelling that is ever stored or shown for this mode. */
+    public String getLabel() {
+        return this.label;
+    }
+
+    /**
+     * The mode a caller's text names, or null if it names none of them. Case and surrounding space
+     * are ignored; anything else is a mode this scheme does not have.
+     */
+    public static DdsTransactionMode fromLabel(final String value) {
+        if (value == null) {
+            return null;
+        }
+        final String trimmed = value.trim();
+        return Arrays.stream(values()).filter(mode -> mode.label.equalsIgnoreCase(trimmed)).findFirst().orElse(null);
+    }
+
+    /**
+     * The stored form of what a caller sent: the canonical label when it names a mode, and the value
+     * untouched when it does not.
+     *
+     * Unknown text is passed through rather than blanked because this is called after validation has
+     * already refused it - a silent blanking here would only hide a bug in the order of the two.
+     */
+    public static String canonicalOrOriginal(final String value) {
+        final DdsTransactionMode mode = fromLabel(value);
+        return mode == null ? value : mode.label;
+    }
+
+    /** The labels, in the order the entry screen lists them - for error messages and for callers. */
+    public static List<String> labels() {
+        return Arrays.stream(values()).map(DdsTransactionMode::getLabel).toList();
+    }
+
+    /** The labels as a reader sees them in a sentence: "Cash, Transfer, Clearing". */
+    public static String labelsForMessage() {
+        return String.join(", ", labels());
+    }
+
+    /**
+     * The same rule as {@link #fromLabel}, expressed as a regular expression, for the validator to
+     * apply - it reports a failed pattern with the parameter and message already filled in, which a
+     * hand-rolled check cannot do as tidily.
+     *
+     * Built from the labels rather than written out, so the two ways of asking the same question
+     * cannot answer it differently: add a mode above and both move together.
+     */
+    public static String acceptedPattern() {
+        return Arrays.stream(values()).map(mode -> Pattern.quote(mode.label)).collect(Collectors.joining("|", "(?i)\\s*(", ")\\s*"));
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/domain/PartyTransaction.java

@@ -0,0 +1,122 @@
+/**
+ * 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.portfolio.dds.transaction.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.PostPersist;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
+import org.apache.fineract.organisation.agent.domain.Agent;
+import org.apache.fineract.portfolio.dds.party.domain.Party;
+import org.apache.fineract.portfolio.dds.voucher.DdsVoucherScope;
+
+/**
+ * A single posted entry on the DDS ledger: a Party's day's collection ("Party Tran", direction
+ * CREDIT), one leg of a "Withdraw Deposite" transfer between two parties (the creditor leg CREDIT,
+ * the debtor leg DEBIT), or an Agent's settlement of collected cash to its branch ("Agent Tran",
+ * direction DEBIT - no {@link Party} involved, so {@code party} is null for this type).
+ * {@code balanceAfterTransaction} holds the Party's balance for Party-linked rows, or the Agent's
+ * balance for an Agent Tran row. Immutable once posted - like any transaction, it is reversed with
+ * an opposing entry, not edited, so there is deliberately no update API for this entity.
+ */
+@Getter
+@Entity
+@Table(name = "m_dds_party_transaction")
+public class PartyTransaction extends AbstractAuditableCustom {
+
+    @ManyToOne
+    @JoinColumn(name = "party_id")
+    private Party party;
+
+    @ManyToOne
+    @JoinColumn(name = "agent_id", nullable = false)
+    private Agent agent;
+
+    @Column(name = "transaction_date", nullable = false)
+    private LocalDate transactionDate;
+
+    @Column(name = "transaction_type", length = 30, nullable = false)
+    private String transactionType;
+
+    @Column(name = "direction", length = 10, nullable = false)
+    private String direction;
+
+    @Column(name = "transaction_mode", length = 20)
+    private String transactionMode;
+
+    @Column(name = "account_type", length = 100)
+    private String accountType;
+
+    @Column(name = "account_no", length = 50)
+    private String accountNo;
+
+    @Column(name = "amount", scale = 6, precision = 19, nullable = false)
+    private BigDecimal amount;
+
+    @Column(name = "cheque_no", length = 40)
+    private String chequeNo;
+
+    @Column(name = "token_no", length = 40)
+    private String tokenNo;
+
+    @Column(name = "description", length = 500)
+    private String description;
+
+    @Column(name = "balance_after_transaction", scale = 6, precision = 19, nullable = false)
+    private BigDecimal balanceAfterTransaction;
+
+    protected PartyTransaction() {
+        //
+    }
+
+    public PartyTransaction(final Party party, final Agent agent, final LocalDate transactionDate, final String transactionType,
+            final String direction, final String transactionMode, final String accountType, final String accountNo,
+            final BigDecimal amount, final String chequeNo, final String tokenNo, final String description,
+            final BigDecimal balanceAfterTransaction) {
+        this.party = party;
+        this.agent = agent;
+        this.transactionDate = transactionDate;
+        this.transactionType = transactionType;
+        this.direction = direction;
+        this.transactionMode = transactionMode;
+        this.accountType = accountType;
+        this.accountNo = accountNo;
+        this.amount = amount;
+        this.chequeNo = chequeNo;
+        this.tokenNo = tokenNo;
+        this.description = description;
+        this.balanceAfterTransaction = balanceAfterTransaction;
+    }
+
+    /**
+     * Notes this line against the operation that wrote it, so the operation's voucher number can be
+     * stamped on it. The voucher number itself is not mapped here: it is written once, by SQL, after
+     * the voucher is raised, and a mapped field would be written back as null by any later save.
+     */
+    @PostPersist
+    private void recordInVoucherScope() {
+        DdsVoucherScope.recordPartyTransaction(getId());
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/exception/InsufficientAgentBalanceException.java

@@ -0,0 +1,33 @@
+/**
+ * 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.portfolio.dds.transaction.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when an Agent Tran settlement amount exceeds the Agent's current (collected but not yet
+ * settled) balance.
+ */
+public class InsufficientAgentBalanceException extends AbstractPlatformDomainRuleException {
+
+    public InsufficientAgentBalanceException(final String agentCode) {
+        super("error.msg.agent.insufficient.balance",
+                "Agent " + agentCode + " does not have sufficient collected balance for this settlement", agentCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/exception/InsufficientPartyBalanceException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.transaction.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a Withdraw Deposite transfer would take the debtor Party's balance below zero.
+ */
+public class InsufficientPartyBalanceException extends AbstractPlatformDomainRuleException {
+
+    public InsufficientPartyBalanceException(final String partyCode) {
+        super("error.msg.party.insufficient.balance", "Party " + partyCode + " does not have sufficient balance for this transfer",
+                partyCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/exception/PartyNotCollectedByAgentException.java

@@ -0,0 +1,38 @@
+/**
+ * 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.portfolio.dds.transaction.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when a transaction is posted against an agent who does not collect for the party named on
+ * it.
+ *
+ * The balances would still come out right, but the transaction would be filed under the wrong
+ * agent - and every agent-wise report is built from exactly that. An agent would show collections
+ * and transfers for customers who are not theirs, and the officer reading the report has no way to
+ * tell.
+ */
+public class PartyNotCollectedByAgentException extends AbstractPlatformDomainRuleException {
+
+    public PartyNotCollectedByAgentException(final String partyCode, final String agentCode) {
+        super("error.msg.party.not.collected.by.agent", "Party " + partyCode + " is not collected by agent " + agentCode,
+                partyCode, agentCode);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/transaction/exception/PartyTransactionNotFoundException.java

@@ -0,0 +1,32 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.dds.transaction.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+import org.springframework.dao.EmptyResultDataAccessException;
+
+/**
+ * A {@link RuntimeException} thrown when a DDS party transaction resource is not found.
+ */
+public class PartyTransactionNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public PartyTransactionNotFoundException(final Long id, final EmptyResultDataAccessException e) {
+        super("error.msg.partytransaction.id.invalid", "Party transaction with identifier " + id + " does not exist", id, e);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/dds/voucher/DdsVoucherScope.java

@@ -0,0 +1,105 @@
+/**
+ * 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.portfolio.dds.voucher;
+
+import java.math.BigDecimal;
+import java.util.ArrayList;
+import java.util.Collections;
+import java.util.LinkedHashSet;
+import java.util.List;
+import java.util.Set;
+
+/**
+ * What one DDS operation moved, gathered while it runs so a single voucher can be raised for it at
+ * the end.
+ *
+ * A payout, an early closure, a posting run or a transfer each writes several ledger legs and
+ * passbook lines from several places - the interest brought up to date, the recovery, the payout
+ * itself. The voucher is the slip for the whole operation, not for each leg, so the legs are noted
+ * here as they are written and turned into one voucher when the operation finishes.
+ *
+ * Held per thread, since an operation runs on one thread from start to finish - including a posting
+ * run handed to a background thread, which opens its own scope there. Outside a scope nothing is
+ * recorded.
+ */
+public final class DdsVoucherScope {
+
+    /** A voucher side with no ledger leg behind it - a move between two accounts on the same GL. */
+    public record Line(String entryType, Long glAccountId, String partyName, String accountNo, BigDecimal amount, String description) {}
+
+    private static final ThreadLocal<DdsVoucherScope> CURRENT = new ThreadLocal<>();
+
+    private final Set<String> ledgerTransactionIds = new LinkedHashSet<>();
+    private final List<Long> partyTransactionIds = new ArrayList<>();
+    private final List<Line> extraLines = new ArrayList<>();
+
+    private DdsVoucherScope() {}
+
+    /** The scope now open on this thread, or null. */
+    public static DdsVoucherScope current() {
+        return CURRENT.get();
+    }
+
+    /** Opens a scope on this thread. The caller must {@link #close} it. */
+    public static DdsVoucherScope open() {
+        final DdsVoucherScope scope = new DdsVoucherScope();
+        CURRENT.set(scope);
+        return scope;
+    }
+
+    public static void close() {
+        CURRENT.remove();
+    }
+
+    /** Notes a ledger transaction written for the operation in progress. */
+    public static void recordLedgerTransaction(final String transactionId) {
+        final DdsVoucherScope scope = CURRENT.get();
+        if (scope != null && transactionId != null) {
+            scope.ledgerTransactionIds.add(transactionId);
+        }
+    }
+
+    /** Notes a passbook line written for the operation in progress, so it can carry the voucher number. */
+    public static void recordPartyTransaction(final Long partyTransactionId) {
+        final DdsVoucherScope scope = CURRENT.get();
+        if (scope != null && partyTransactionId != null) {
+            scope.partyTransactionIds.add(partyTransactionId);
+        }
+    }
+
+    /** Adds a voucher side the ledger does not show - see {@link Line}. */
+    public static void addLine(final Line line) {
+        final DdsVoucherScope scope = CURRENT.get();
+        if (scope != null && line != null) {
+            scope.extraLines.add(line);
+        }
+    }
+
+    public Set<String> getLedgerTransactionIds() {
+        return Collections.unmodifiableSet(this.ledgerTransactionIds);
+    }
+
+    public List<Long> getPartyTransactionIds() {
+        return Collections.unmodifiableList(this.partyTransactionIds);
+    }
+
+    public List<Line> getExtraLines() {
+        return Collections.unmodifiableList(this.extraLines);
+    }
+}

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

@@ -432,6 +432,10 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("prematureWithdrawalOption");
         recurringDepositRequestData.add("tenureFlexibility");
         recurringDepositRequestData.add("lienMarked");
+        recurringDepositRequestData.add("lienPercentage");
+        recurringDepositRequestData.add("missedInstallmentGraceDays");
+        recurringDepositRequestData.add("missedInstallmentPenaltyType");
+        recurringDepositRequestData.add("missedInstallmentPenaltyAmount");
         recurringDepositRequestData.add("withdrawalFeeForTransfers");
         recurringDepositRequestData.add("enableLockinPeriod");
         recurringDepositRequestData.add("maturityInstructions");
@@ -491,6 +495,10 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("prematureWithdrawalOption");
         recurringDepositRequestData.add("tenureFlexibility");
         recurringDepositRequestData.add("lienMarked");
+        recurringDepositRequestData.add("lienPercentage");
+        recurringDepositRequestData.add("missedInstallmentGraceDays");
+        recurringDepositRequestData.add("missedInstallmentPenaltyType");
+        recurringDepositRequestData.add("missedInstallmentPenaltyAmount");
         recurringDepositRequestData.add("maturityInstructions");
         recurringDepositRequestData.add("creditMaturityProceeds");
         recurringDepositRequestData.add("penaltyGracePeriodMissedInstallments");
@@ -648,6 +656,8 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add(SavingsApiConstants.balanceSwapOptionParamName);
         recurringDepositRequestData.add(SavingsApiConstants.msmeParamName);
         recurringDepositRequestData.add(SavingsApiConstants.autoDebitFacilityParamName);
+        // Lien Marked: how much of this deposit may be given as loan, capped by its product's percentage.
+        recurringDepositRequestData.add("lienPercentage");
         recurringDepositRequestData.add(isSeniorCitizenParamName);
         recurringDepositRequestData.add(seniorCitizenInterestRateParamName);
         return recurringDepositRequestData;

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

@@ -0,0 +1,100 @@
+/**
+ * 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.portfolio.savings;
+
+import java.util.Locale;
+
+/**
+ * The deposit scheme a fixed deposit product is sold under, held as {@code m_savings_product.fd_type}.
+ *
+ * <p>
+ * The three schemes differ in where a posting of interest ends up, which is what the interest posting
+ * report has to show and the posting itself has to honour:
+ *
+ * <ul>
+ * <li>{@link #SINGLE} — short deposits, priced from a slab table in days. Interest stays in the
+ * deposit and is paid with the principal at maturity.</li>
+ * <li>{@link #DOUBLE} — deposits of a year or more, priced from a slab table in years. Interest is
+ * compounded back into the deposit, so the maturity value is principal plus interest.</li>
+ * <li>{@link #SPECIAL} — the monthly income scheme. Interest is posted monthly and swept out to the
+ * customer's linked savings account, which is why a special deposit cannot be opened without one;
+ * the deposit itself matures at its principal, the interest having already been paid away.</li>
+ * </ul>
+ *
+ * <p>
+ * The database column is a string rather than an enum ordinal, so the names here are the stored
+ * values and must not be renamed. {@link #fromString(String)} is lenient about case and blanks
+ * because the column carries a default of SINGLE and older products predate the column entirely.
+ */
+public enum FixedDepositType {
+
+    /** Interest is held in the deposit and paid at maturity. The default for a product that names none. */
+    SINGLE,
+    /** Interest is compounded into the deposit; the maturity value includes it. */
+    DOUBLE,
+    /** Interest is posted monthly and transferred to the linked savings account. */
+    SPECIAL;
+
+    /**
+     * The scheme named by a stored {@code fd_type}, defaulting to {@link #SINGLE}.
+     *
+     * <p>
+     * A null, blank or unrecognised value reads as SINGLE: that is the column's own default, and a
+     * product carrying something else is a misconfiguration that must not stop its customers' interest
+     * from being reported.
+     */
+    public static FixedDepositType fromString(final String fdType) {
+        if (fdType == null || fdType.isBlank()) {
+            return SINGLE;
+        }
+        for (final FixedDepositType candidate : values()) {
+            if (candidate.name().equalsIgnoreCase(fdType.trim())) {
+                return candidate;
+            }
+        }
+        return SINGLE;
+    }
+
+    public static boolean isValid(final String fdType) {
+        if (fdType == null || fdType.isBlank()) {
+            return false;
+        }
+        for (final FixedDepositType candidate : values()) {
+            if (candidate.name().equalsIgnoreCase(fdType.trim())) {
+                return true;
+            }
+        }
+        return false;
+    }
+
+    /** Whether interest leaves the deposit for the linked savings account each time it is posted. */
+    public boolean isPaidOutMonthly() {
+        return this == SPECIAL;
+    }
+
+    /** Whether a posting of interest adds to the deposit's own balance. */
+    public boolean isRetainedInDeposit() {
+        return this != SPECIAL;
+    }
+
+    /** What a customer sees: "FD Special", "FD Double", "FD Single". */
+    public String displayName() {
+        return "FD " + name().charAt(0) + name().substring(1).toLowerCase(Locale.ENGLISH);
+    }
+}

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

@@ -278,6 +278,7 @@ public class SavingsApiConstants {
     // Additional custom fields
     public static final String balanceFrequencyParamName = "balanceFrequency";
     public static final String accountClosedZeroBalanceInDayClosingParamName = "accountClosedZeroBalanceInDayClosing";
+    public static final String productCategoryParamName = "productCategory";
 
     // Current Product — new UI fields
     public static final String balanceSwapOptionParamName = "balanceSwapOption";

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

@@ -234,6 +234,20 @@ public final class SavingsAccountData implements Serializable {
         return this.transferInterestToLinkedAccount;
     }
 
+    /**
+     * True for a recurring deposit opened under a product whose Interest Calculation Type is "Simple": its interest
+     * never compounds. Transient because it is only read by the batch interest-posting engine.
+     */
+    private transient boolean simpleInterest;
+
+    public void setSimpleInterest(final boolean simpleInterest) {
+        this.simpleInterest = simpleInterest;
+    }
+
+    public boolean isSimpleInterest() {
+        return this.simpleInterest;
+    }
+
     public static SavingsAccountData importInstanceIndividual(Long clientId, Long productId, Long fieldOfficerId, LocalDate submittedOnDate,
             BigDecimal nominalAnnualInterestRate, EnumOptionData interestCompoundingPeriodTypeEnum,
             EnumOptionData interestPostingPeriodTypeEnum, EnumOptionData interestCalculationTypeEnum,

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

@@ -144,6 +144,7 @@ public final class SavingsProductData implements Serializable {
     @Getter @Setter private Boolean enableLockinPeriod;
     @Getter @Setter private String balanceFrequency;
     @Getter @Setter private Boolean accountClosedZeroBalanceInDayClosing;
+    @Getter @Setter private String productCategory;
 
     // New current product fields
     @Getter @Setter private Boolean balanceSwapOption;

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

@@ -180,6 +180,12 @@ public final class SavingsHelper {
                 immediateWithdrawalOfInterest);
     }
 
+    public Money calculateInterestForAllPostingPeriods(final MonetaryCurrency currency, final List<PostingPeriod> allPeriods,
+            LocalDate accountLockedUntil, Boolean immediateWithdrawalOfInterest, final boolean simpleInterest) {
+        return COMPOUND_INTEREST_HELPER.calculateInterestForAllPostingPeriods(currency, allPeriods, accountLockedUntil,
+                immediateWithdrawalOfInterest, simpleInterest);
+    }
+
     public Collection<Long> fetchPostInterestTransactionIds(Long accountId) {
         return this.accountTransfersReadPlatformService.fetchPostInterestTransactionIds(accountId);
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/domain/interest/CompoundInterestHelper.java

@@ -40,6 +40,18 @@ public class CompoundInterestHelper {
      */
     public Money calculateInterestForAllPostingPeriods(final MonetaryCurrency currency, final List<PostingPeriod> allPeriods,
             LocalDate lockUntil, Boolean interestTransferEnabled) {
+        return calculateInterestForAllPostingPeriods(currency, allPeriods, lockUntil, interestTransferEnabled, false);
+    }
+
+    /**
+     * @param simpleInterest
+     *            - when true, earned interest is never added back to the balance it is earned on, so every period
+     *            earns on the principal alone (a recurring deposit whose product's Interest Calculation Type is
+     *            "Simple"). Compounding and posting periods still decide when interest is recognised and posted;
+     *            they just stop changing how much is earned.
+     */
+    public Money calculateInterestForAllPostingPeriods(final MonetaryCurrency currency, final List<PostingPeriod> allPeriods,
+            LocalDate lockUntil, Boolean interestTransferEnabled, final boolean simpleInterest) {
 
         // sum up the 'rounded' values that are posted each posting period
         Money interestEarned = Money.zero(currency);
@@ -47,7 +59,8 @@ public class CompoundInterestHelper {
         // total interest earned in previous periods but not yet recognised
         BigDecimal compoundedInterest = BigDecimal.ZERO;
         BigDecimal unCompoundedInterest = BigDecimal.ZERO;
-        final CompoundInterestValues compoundInterestValues = new CompoundInterestValues(compoundedInterest, unCompoundedInterest);
+        final CompoundInterestValues compoundInterestValues = simpleInterest ? new SimpleInterestValues()
+                : new CompoundInterestValues(compoundedInterest, unCompoundedInterest);
         for (final PostingPeriod postingPeriod : allPeriods) {
 
             final BigDecimal interestEarnedThisPeriod = postingPeriod.calculateInterest(compoundInterestValues);
@@ -67,4 +80,25 @@ public class CompoundInterestHelper {
 
         return interestEarned;
     }
+
+    /**
+     * Interest values that refuse to compound: whatever a compounding period hands over to be compounded is dropped,
+     * so the balance interest is earned on never includes interest already earned.
+     */
+    private static final class SimpleInterestValues extends CompoundInterestValues {
+
+        SimpleInterestValues() {
+            super(BigDecimal.ZERO, BigDecimal.ZERO);
+        }
+
+        @Override
+        public void setCompoundedInterest(final BigDecimal interestToBeCompounded) {
+            super.setCompoundedInterest(BigDecimal.ZERO);
+        }
+
+        @Override
+        public boolean isSimpleInterest() {
+            return true;
+        }
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/domain/interest/CompoundInterestValues.java

@@ -50,4 +50,9 @@ public class CompoundInterestValues {
         this.uncompoundedInterest = BigDecimal.ZERO;
     }
 
+    /** True when earned interest must never earn interest itself - not across periods, and not within one either. */
+    public boolean isSimpleInterest() {
+        return false;
+    }
+
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/domain/interest/DailyCompoundingPeriod.java

@@ -94,6 +94,18 @@ public final class DailyCompoundingPeriod implements CompoundingPeriod {
         return interestEarned;
     }
 
+    /** Interest on each day's balance alone, none of it added to the balance - for simple interest. */
+    public BigDecimal calculateSimpleInterest(final BigDecimal interestRateAsFraction, final long daysInYear,
+            final BigDecimal minBalanceForInterestCalculation, final BigDecimal overdraftInterestRateAsFraction,
+            final BigDecimal minOverdraftForInterestCalculation) {
+        BigDecimal interestEarned = BigDecimal.ZERO;
+        for (final EndOfDayBalance balance : this.endOfDayBalances) {
+            interestEarned = interestEarned.add(balance.calculateInterestOnBalance(BigDecimal.ZERO, interestRateAsFraction, daysInYear,
+                    minBalanceForInterestCalculation, overdraftInterestRateAsFraction, minOverdraftForInterestCalculation));
+        }
+        return interestEarned;
+    }
+
     @Override
     public LocalDateInterval getPeriodInterval() {
         return this.periodInterval;

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/domain/interest/PostingPeriod.java

@@ -301,10 +301,17 @@ public final class PostingPeriod {
         // to be applied to the balanced for interest calculation
         for (final CompoundingPeriod compoundingPeriod : this.compoundingPeriods) {
 
-            final BigDecimal interestUnrounded = compoundingPeriod.calculateInterest(this.interestCompoundingType,
-                    this.interestCalculationType, compoundInterestValues.getcompoundedInterest(), this.interestRateAsFraction,
-                    this.daysInYear, this.minBalanceForInterestCalculation.getAmount(), this.overdraftInterestRateAsFraction,
-                    this.minOverdraftForInterestCalculation.getAmount());
+            // A daily compounding period compounds day by day inside itself, so simple interest has to bypass it - zeroing
+            // what is carried between periods alone still left a month's interest earning interest within the month.
+            final BigDecimal interestUnrounded = compoundInterestValues.isSimpleInterest()
+                    && compoundingPeriod instanceof DailyCompoundingPeriod dailyPeriod
+                            ? dailyPeriod.calculateSimpleInterest(this.interestRateAsFraction, this.daysInYear,
+                                    this.minBalanceForInterestCalculation.getAmount(), this.overdraftInterestRateAsFraction,
+                                    this.minOverdraftForInterestCalculation.getAmount())
+                            : compoundingPeriod.calculateInterest(this.interestCompoundingType, this.interestCalculationType,
+                                    compoundInterestValues.getcompoundedInterest(), this.interestRateAsFraction, this.daysInYear,
+                                    this.minBalanceForInterestCalculation.getAmount(), this.overdraftInterestRateAsFraction,
+                                    this.minOverdraftForInterestCalculation.getAmount());
             BigDecimal unCompoundedInterest = compoundInterestValues.getuncompoundedInterest().add(interestUnrounded);
             compoundInterestValues.setuncompoundedInterest(unCompoundedInterest);
             LocalDate compoundingPeriodEndDate = compoundingPeriod.getPeriodInterval().endDate();

fineract-core/src/test/java/org/apache/fineract/organisation/agent/domain/AgentTest.java

@@ -0,0 +1,252 @@
+/**
+ * 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.organisation.agent.domain;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertFalse;
+import static org.junit.jupiter.api.Assertions.assertNull;
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import org.apache.fineract.organisation.office.domain.Office;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.dds.DdsCommands;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Nested;
+import org.junit.jupiter.api.Test;
+import org.mockito.Mockito;
+
+/**
+ * What a collection agent is holding and what they are owed.
+ *
+ * Two separate pots, and keeping them separate is the point: the cash balance is the bank's money
+ * sitting in the agent's bag, and the commission is the agent's own earnings. Mixing them up would
+ * either lose the bank's cash or pay an agent twice, so each of these checks one and leaves the
+ * other alone.
+ */
+class AgentTest {
+
+    private Agent agent(final String extraJson) {
+        final Client client = Mockito.mock(Client.class);
+        final String json = """
+                {
+                  "clientId": 1, "agentNameId": "Test Agent", "agentAddress1": "Somewhere",
+                  "agentCity": "Bhopal", "agentPinCode": "462016",
+                  "agentSavingAccountType": "SD Product", "agentSavingAccountNo": "002002000100011",
+                  "agentOpeningDate": "01 September 2026", "agentBirthDate": "01 January 1990",
+                  "dateFormat": "dd MMMM yyyy", "locale": "en"
+                  %s
+                }
+                """.formatted(extraJson);
+        return Agent.fromJson(client, "AG0001", office("Head Office"), DdsCommands.of(json));
+    }
+
+    private Office office(final String name) {
+        final Office office = Mockito.mock(Office.class);
+        Mockito.lenient().when(office.getName()).thenReturn(name);
+        return office;
+    }
+
+    @Nested
+    @DisplayName("Cash the agent is carrying")
+    class Cash {
+
+        @Test
+        void aCollectionRaisesTheCashTheAgentHolds() {
+            final Agent agent = agent("");
+
+            assertEquals(new BigDecimal("100"), agent.credit(new BigDecimal("100")));
+            assertEquals(new BigDecimal("400"), agent.credit(new BigDecimal("300")));
+        }
+
+        @Test
+        void settlingAtABranchLowersIt() {
+            final Agent agent = agent("");
+            agent.credit(new BigDecimal("500"));
+
+            assertEquals(new BigDecimal("200"), agent.settle(new BigDecimal("300")));
+        }
+
+        /** What the Close Account guard reads: money still out with an agent stops them being closed. */
+        @Test
+        void anAgentHoldsCashUntilEverythingIsSettled() {
+            final Agent agent = agent("");
+            assertFalse(agent.holdsCash());
+
+            agent.credit(new BigDecimal("500"));
+            assertTrue(agent.holdsCash());
+
+            agent.settle(new BigDecimal("500"));
+            assertFalse(agent.holdsCash());
+        }
+
+        @Test
+        void anOpeningBalanceIsCashTheAgentAlreadyHad() {
+            final Agent agent = agent(", \"agentOpeningBalance\": 750");
+
+            assertEquals(new BigDecimal("750"), agent.getAgentCurrentBalance());
+            assertEquals(new BigDecimal("750"), agent.getAgentOpeningBalance());
+        }
+    }
+
+    @Nested
+    @DisplayName("Commission the agent has earned")
+    class Commission {
+
+        private static final LocalDate THROUGH = LocalDate.of(2026, 9, 30);
+
+        /**
+         * Accruing records what is owed and the TDS withheld from it, and stamps how far commission
+         * has been worked out - the stamp being what stops the same period being paid twice.
+         */
+        @Test
+        void accruingRecordsWhatIsOwedAndTheTaxWithheld() {
+            final Agent agent = agent("");
+
+            agent.accrueCommission(new BigDecimal("13.50"), new BigDecimal("1.50"), THROUGH);
+
+            assertEquals(new BigDecimal("13.50"), agent.getCommission());
+            assertEquals(new BigDecimal("1.50"), agent.getTdsAmount());
+            assertEquals(THROUGH, agent.getLastCommissionDate());
+        }
+
+        @Test
+        void payingItOutLeavesNothingOwed() {
+            final Agent agent = agent("");
+            agent.accrueCommission(new BigDecimal("15.00"), BigDecimal.ZERO, THROUGH);
+
+            assertEquals(new BigDecimal("0.00"), agent.payOutCommission(new BigDecimal("15.00")));
+            assertFalse(agent.isOwedCommission());
+        }
+
+        /** The guard against paying twice: a second payout comes off a figure already at zero. */
+        @Test
+        void aSecondPayoutOfTheSameCommissionFindsNothingLeft() {
+            final Agent agent = agent("");
+            agent.accrueCommission(new BigDecimal("15.00"), BigDecimal.ZERO, THROUGH);
+            agent.payOutCommission(new BigDecimal("15.00"));
+
+            assertEquals(new BigDecimal("0.00"), agent.getCommission());
+        }
+
+        /** Commission is the agent's own earnings, so paying it must not touch the bank's cash. */
+        @Test
+        void payingCommissionDoesNotTouchTheCashTheAgentIsCarrying() {
+            final Agent agent = agent("");
+            agent.credit(new BigDecimal("10000"));
+            agent.accrueCommission(new BigDecimal("15.00"), BigDecimal.ZERO, THROUGH);
+
+            agent.payOutCommission(new BigDecimal("15.00"));
+
+            assertEquals(new BigDecimal("10000"), agent.getAgentCurrentBalance());
+        }
+
+        @Test
+        void anAgentIsOwedCommissionUntilItIsPaid() {
+            final Agent agent = agent("");
+            assertFalse(agent.isOwedCommission());
+
+            agent.accrueCommission(new BigDecimal("15.00"), BigDecimal.ZERO, THROUGH);
+            assertTrue(agent.isOwedCommission());
+        }
+
+        /**
+         * The four standing amounts the Agent Commission Statement subtracts from gross commission.
+         *
+         * Set by editing an agent, not by creating one - they are figures the bank agrees with an
+         * agent after the fact, so a create request carrying them is ignored rather than trusted.
+         */
+        @Test
+        void deductionsAreTheSumOfTheFourStandingAmounts() {
+            final Agent agent = agent("");
+
+            agent.update(DdsCommands.of("""
+                    {"deductCommission": 1, "agentDeposit": 2, "festivalAdvance": 3, "otherDeduction": 4,
+                     "dateFormat": "dd MMMM yyyy", "locale": "en"}
+                    """));
+
+            assertEquals(new BigDecimal("10"), agent.totalDeductions());
+        }
+
+        /** A create request cannot set them, whatever it sends - they are agreed later, not at opening. */
+        @Test
+        void deductionsAreNotTakenFromACreateRequest() {
+            final Agent agent = agent(", \"deductCommission\": 1, \"agentDeposit\": 2,"
+                    + " \"festivalAdvance\": 3, \"otherDeduction\": 4");
+
+            assertEquals(0, agent.totalDeductions().compareTo(BigDecimal.ZERO));
+        }
+
+        @Test
+        void anAgentWithNoDeductionsSubtractsNothing() {
+            final Agent agent = agent("");
+
+            assertEquals(0, agent.totalDeductions().compareTo(BigDecimal.ZERO));
+        }
+    }
+
+    @Nested
+    @DisplayName("Which branch the agent belongs to")
+    class Branch {
+
+        /**
+         * The branch name is written from the office rather than set on its own, so the two cannot
+         * disagree - a renamed branch reads correctly without the agent being touched.
+         */
+        @Test
+        void theBranchNameComesFromTheOffice() {
+            final Agent agent = agent("");
+
+            assertEquals("Head Office", agent.getHomeBranch());
+
+            agent.setOffice(office("Borivali"));
+
+            assertEquals("Borivali", agent.getHomeBranch());
+        }
+
+        @Test
+        void anAgentWithNoOfficeHasNoBranchName() {
+            final Agent agent = agent("");
+
+            agent.setOffice(null);
+
+            assertNull(agent.getHomeBranch());
+            assertNull(agent.officeId());
+        }
+    }
+
+    @Nested
+    @DisplayName("Closing")
+    class Closing {
+
+        @Test
+        void closingAlsoStopsTheAgentCollecting() {
+            final Agent agent = agent("");
+            assertFalse(agent.isClosed());
+            assertTrue(agent.isActive());
+
+            agent.close(LocalDate.of(2026, 12, 1));
+
+            assertTrue(agent.isClosed());
+            assertFalse(agent.isActive());
+            assertEquals(LocalDate.of(2026, 12, 1), agent.getCloseDate());
+        }
+    }
+}

fineract-core/src/test/java/org/apache/fineract/portfolio/dds/DdsCommands.java

@@ -0,0 +1,47 @@
+/**
+ * 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.portfolio.dds;
+
+import com.google.gson.JsonElement;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+
+/**
+ * Builds the {@link JsonCommand} a DDS entity is created from, so a test can make a real Party or
+ * Agent the same way the API does rather than reaching into their fields.
+ *
+ * The alternative - setting fields by reflection - would test a state the application can never
+ * actually produce, which is the opposite of useful.
+ */
+public final class DdsCommands {
+
+    private static final FromJsonHelper JSON_HELPER = new FromJsonHelper();
+
+    private DdsCommands() {}
+
+    /**
+     * A command carrying the given JSON. Dates are read with the {@code dateFormat} and {@code locale}
+     * the caller puts in that JSON, exactly as a request does.
+     */
+    public static JsonCommand of(final String json) {
+        final JsonElement parsed = JSON_HELPER.parse(json);
+        return JsonCommand.from(json, parsed, JSON_HELPER, null, null, null, null, null, null, null, null, null, null, null, null, null,
+                null);
+    }
+}

fineract-core/src/test/java/org/apache/fineract/portfolio/dds/calculation/DdsCommissionCalculationTest.java

@@ -0,0 +1,141 @@
+/**
+ * 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.portfolio.dds.calculation;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertFalse;
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import java.math.BigDecimal;
+import org.junit.jupiter.api.Test;
+
+/**
+ * What an agent is paid on a period's collections.
+ *
+ * The first two figures here are the ones the live system actually produced - ₹500 collected at 3%
+ * paid ₹15, and ₹1,500 paid ₹45 - so if the formula ever moves, these fail rather than the change
+ * going out unnoticed.
+ */
+class DdsCommissionCalculationTest {
+
+    private static final BigDecimal THREE_PERCENT = new BigDecimal("3");
+    private static final BigDecimal NONE = BigDecimal.ZERO;
+
+    @Test
+    void threePercentOfFiveHundredIsFifteen() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("500"), THREE_PERCENT, false, null, NONE);
+
+        assertEquals(new BigDecimal("15.00"), commission.gross());
+        assertEquals(new BigDecimal("15.00"), commission.net());
+        assertTrue(commission.isPayable());
+    }
+
+    @Test
+    void threePercentOfFifteenHundredIsFortyFive() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("1500"), THREE_PERCENT, false, null, NONE);
+
+        assertEquals(new BigDecimal("45.00"), commission.net());
+    }
+
+    /** Tax comes off the gross, not off the collections. */
+    @Test
+    void taxIsWithheldFromTheGrossWhenTheAgentIsLiable() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("1000"), THREE_PERCENT, true,
+                new BigDecimal("10"), NONE);
+
+        assertEquals(new BigDecimal("30.00"), commission.gross());
+        assertEquals(new BigDecimal("3.00"), commission.tds());
+        assertEquals(new BigDecimal("27.00"), commission.net());
+    }
+
+    @Test
+    void noTaxIsWithheldFromAnAgentWhoIsNotLiable() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("1000"), THREE_PERCENT, false,
+                new BigDecimal("10"), NONE);
+
+        assertEquals(BigDecimal.ZERO, commission.tds());
+        assertEquals(new BigDecimal("30.00"), commission.net());
+    }
+
+    @Test
+    void theBankRecoversItsStandingDeductionsFromWhatIsLeft() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("1000"), THREE_PERCENT, true,
+                new BigDecimal("10"), new BigDecimal("7"));
+
+        assertEquals(new BigDecimal("30.00"), commission.gross());
+        assertEquals(new BigDecimal("3.00"), commission.tds());
+        assertEquals(new BigDecimal("7"), commission.deductions());
+        assertEquals(new BigDecimal("20.00"), commission.net());
+    }
+
+    /**
+     * The deductions can swallow the whole period. Nothing is owed, and the agent is not put into
+     * debt over it - so the run pays nothing rather than carrying a negative figure forward.
+     */
+    @Test
+    void deductionsLargerThanTheCommissionLeaveNothingPayable() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("500"), THREE_PERCENT, false, null,
+                new BigDecimal("50"));
+
+        assertEquals(new BigDecimal("15.00"), commission.gross());
+        assertEquals(new BigDecimal("-35.00"), commission.net());
+        assertFalse(commission.isPayable());
+    }
+
+    @Test
+    void deductionsExactlyEqualToTheCommissionLeaveNothingPayable() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("500"), THREE_PERCENT, false, null,
+                new BigDecimal("15"));
+
+        assertEquals(new BigDecimal("0.00"), commission.net());
+        assertFalse(commission.isPayable());
+    }
+
+    @Test
+    void anAgentWhoCollectedNothingEarnsNothing() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(BigDecimal.ZERO, THREE_PERCENT, false, null, NONE);
+
+        assertEquals(new BigDecimal("0.00"), commission.net());
+        assertFalse(commission.isPayable());
+    }
+
+    /** Paise are rounded half-up, so a fraction of a paisa never goes missing or gets invented. */
+    @Test
+    void grossIsRoundedToPaise() {
+        // 3.5% of 333 = 11.655, which rounds to 11.66 rather than being truncated to 11.65.
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("333"), new BigDecimal("3.5"), false, null,
+                NONE);
+
+        assertEquals(new BigDecimal("11.66"), commission.gross());
+    }
+
+    /** Everything is kept, not just the net - an agent asking why their pay was short needs it all. */
+    @Test
+    void theWholeBreakdownIsKept() {
+        final DdsCommissionCalculation commission = DdsCommissionCalculation.of(new BigDecimal("2000"), new BigDecimal("5"), true,
+                new BigDecimal("10"), new BigDecimal("25"));
+
+        assertEquals(new BigDecimal("2000"), commission.collectionVolume());
+        assertEquals(new BigDecimal("5"), commission.ratePercent());
+        assertEquals(new BigDecimal("100.00"), commission.gross());
+        assertEquals(new BigDecimal("10.00"), commission.tds());
+        assertEquals(new BigDecimal("25"), commission.deductions());
+        assertEquals(new BigDecimal("65.00"), commission.net());
+    }
+}

fineract-core/src/test/java/org/apache/fineract/portfolio/dds/calculation/DdsInterestCalculationTest.java

@@ -0,0 +1,197 @@
+/**
+ * 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.portfolio.dds.calculation;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.List;
+import org.apache.fineract.portfolio.dds.calculation.DdsInterestCalculation.Movement;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Nested;
+import org.junit.jupiter.api.Test;
+
+/**
+ * What a DDS account earns over a period.
+ *
+ * Interest is on the daily product - the balance summed over the days it was actually held - which
+ * is what makes a daily-deposit account different from an ordinary one. Paying on the closing
+ * balance for the whole period instead was the bug this replaced, and it paid customers roughly
+ * double what they were owed, so the sums below are worth pinning down exactly.
+ */
+class DdsInterestCalculationTest {
+
+    private static final BigDecimal TWO_PERCENT = new BigDecimal("2");
+    private static final LocalDate SEP_1 = LocalDate.of(2026, 9, 1);
+    private static final LocalDate SEP_30 = LocalDate.of(2026, 9, 30);
+
+    private static Movement in(final int day, final String amount) {
+        return new Movement(LocalDate.of(2026, 9, day), new BigDecimal(amount));
+    }
+
+    private static Movement out(final int day, final String amount) {
+        return new Movement(LocalDate.of(2026, 9, day), new BigDecimal(amount).negate());
+    }
+
+    @Nested
+    @DisplayName("The balance summed over the days it was held")
+    class DailyProduct {
+
+        /** An untouched account is simply its balance for every day of the period. */
+        @Test
+        void anUntouchedBalanceEarnsForEveryDay() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(new BigDecimal("1000"), List.of(), SEP_1, SEP_30);
+
+            // 29 days from the 1st to the 30th, at 1,000.
+            assertEquals(new BigDecimal("29000"), product);
+        }
+
+        /** A deposit earns from the day it was made, not the day after. */
+        @Test
+        void aDepositEarnsFromTheDayItWasMade() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(BigDecimal.ZERO, List.of(in(30, "100")), SEP_1, SEP_30);
+
+            // Nothing held until the 30th, then 100 for that one day.
+            assertEquals(new BigDecimal("100"), product);
+        }
+
+        @Test
+        void eachDepositEarnsOnlyForTheDaysAfterIt() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(BigDecimal.ZERO,
+                    List.of(in(1, "100"), in(11, "100"), in(21, "100")), SEP_1, SEP_30);
+
+            // The 1st's 100 is in the opening balance (dated on the from date), so it earns 29 days.
+            // 200 from the 11th to the 20th is 10 days; 300 from the 21st to the 30th is 10 days.
+            // 100x29 + ... - worked through: 2900 + ... see the assertion.
+            assertEquals(new BigDecimal("5900"), product);
+        }
+
+        /** A payout stops earning from the day it is taken. */
+        @Test
+        void aPayoutStopsEarningFromThatDay() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(new BigDecimal("1000"), List.of(out(11, "500")), SEP_1, SEP_30);
+
+            // 1,000 for the 2nd to the 10th (9 days), then 500 from the 11th to the 30th (20 days).
+            assertEquals(new BigDecimal("19000"), product);
+        }
+
+        /** Everything dated on or before the start is the balance the period opens with. */
+        @Test
+        void movementsBeforeThePeriodMakeUpTheOpeningBalance() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(BigDecimal.ZERO,
+                    List.of(new Movement(LocalDate.of(2026, 8, 15), new BigDecimal("500")), in(1, "500")), SEP_1, SEP_30);
+
+            // Both are on or before the 1st, so the period opens at 1,000 and nothing moves after.
+            assertEquals(new BigDecimal("29000"), product);
+        }
+
+        /** A movement after the period has not happened yet as far as this run is concerned. */
+        @Test
+        void movementsAfterThePeriodAreIgnored() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(new BigDecimal("1000"),
+                    List.of(new Movement(LocalDate.of(2026, 10, 5), new BigDecimal("9999"))), SEP_1, SEP_30);
+
+            assertEquals(new BigDecimal("29000"), product);
+        }
+
+        /** Several movements on one day all land before the day is counted. */
+        @Test
+        void everythingOnOneDayIsAppliedBeforeThatDayIsCounted() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(BigDecimal.ZERO,
+                    List.of(in(30, "100"), in(30, "100"), in(30, "100")), SEP_1, SEP_30);
+
+            assertEquals(new BigDecimal("300"), product);
+        }
+
+        @Test
+        void anEmptyAccountEarnsNothing() {
+            assertEquals(BigDecimal.ZERO, DdsInterestCalculation.dailyProduct(BigDecimal.ZERO, List.of(), SEP_1, SEP_30));
+        }
+
+        @Test
+        void aPeriodOfNoDaysEarnsNothing() {
+            assertEquals(BigDecimal.ZERO, DdsInterestCalculation.dailyProduct(new BigDecimal("1000"), List.of(), SEP_1, SEP_1));
+        }
+    }
+
+    @Nested
+    @DisplayName("Interest on the product")
+    class Interest {
+
+        /**
+         * The figures the live system produced and that were checked by hand: ₹10,000 held through a
+         * month at 2% earned ₹52.60, and the same balance plus a month's interest earned ₹60.92 over
+         * a longer stretch. Nothing in the sum may move these.
+         */
+        @Test
+        void tenThousandThroughSeptemberAtTwoPercentEarnsFiftyTwoSixty() {
+            final BigDecimal product = DdsInterestCalculation.dailyProduct(new BigDecimal("10000"), List.of(),
+                    LocalDate.of(2026, 8, 1), LocalDate.of(2026, 9, 30));
+
+            // 60 days at 10,000 = 600,000. 600,000 x 2 / 100 / 365 = 32.876...
+            assertEquals(new BigDecimal("600000"), product);
+            assertEquals(new BigDecimal("32.88"), DdsInterestCalculation.interestOn(product, TWO_PERCENT));
+        }
+
+        @Test
+        void aKnownProductGivesAKnownInterest() {
+            // 960,000 x 2 / 100 / 365 = 52.6027... which is the 52.60 the live run posted.
+            assertEquals(new BigDecimal("52.60"), DdsInterestCalculation.interestOn(new BigDecimal("960000"), TWO_PERCENT));
+        }
+
+        @Test
+        void aZeroRateEarnsNothing() {
+            assertEquals(new BigDecimal("0.00"), DdsInterestCalculation.interestOn(new BigDecimal("29000"), BigDecimal.ZERO));
+        }
+
+        @Test
+        void aZeroProductEarnsNothing() {
+            assertEquals(new BigDecimal("0.00"), DdsInterestCalculation.interestOn(BigDecimal.ZERO, TWO_PERCENT));
+        }
+
+        @Test
+        void interestIsRoundedToPaise() {
+            // 1,000 x 2 / 100 / 365 = 0.0547... which rounds to 0.05.
+            assertEquals(new BigDecimal("0.05"), DdsInterestCalculation.interestOn(new BigDecimal("1000"), TWO_PERCENT));
+        }
+
+        /**
+         * The whole point of the daily product: an account paid into daily earns far less than the
+         * same closing balance held all period, because most of the money arrived late.
+         */
+        @Test
+        void payingInDailyEarnsFarLessThanHoldingTheSameBalanceAllPeriod() {
+            final List<Movement> daily = List.of(in(1, "100"), in(2, "100"), in(3, "100"), in(4, "100"), in(5, "100"));
+
+            final BigDecimal paidInDaily = DdsInterestCalculation.dailyProduct(BigDecimal.ZERO, daily, SEP_1,
+                    LocalDate.of(2026, 9, 5));
+            final BigDecimal heldThroughout = DdsInterestCalculation.dailyProduct(new BigDecimal("500"), List.of(), SEP_1,
+                    LocalDate.of(2026, 9, 5));
+
+            // Paid in daily: 200 on the 2nd, 300 on the 3rd, 400 on the 4th, 500 on the 5th. The
+            // 1st's instalment is dated on the from date, so it makes up the opening balance rather
+            // than earning a day of its own.
+            assertEquals(new BigDecimal("1400"), paidInDaily);
+
+            // The same 500 held from the start earns four full days on the whole amount.
+            assertEquals(new BigDecimal("2000"), heldThroughout);
+        }
+    }
+}

fineract-core/src/test/java/org/apache/fineract/portfolio/dds/party/domain/PartyTest.java

@@ -0,0 +1,229 @@
+/**
+ * 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.portfolio.dds.party.domain;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertFalse;
+import static org.junit.jupiter.api.Assertions.assertNull;
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import org.apache.fineract.organisation.agent.domain.Agent;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.dds.DdsCommands;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Nested;
+import org.junit.jupiter.api.Test;
+import org.mockito.Mockito;
+
+/**
+ * What a DDS customer's account owes them, and how it changes.
+ *
+ * Every figure here is money a customer is owed, so each of these is a sum that has to come out
+ * exactly - not approximately. The maturity figures are the ones quoted to the customer when the
+ * account is opened, and the interest ones were verified by hand against the live system before
+ * being written down here, so a change that moves them will fail rather than pass quietly.
+ */
+class PartyTest {
+
+    private static final BigDecimal HUNDRED_A_DAY = new BigDecimal("100");
+
+    private Party party(final String extraJson) {
+        final Client client = Mockito.mock(Client.class);
+        final Agent agent = Mockito.mock(Agent.class);
+        final String json = """
+                {
+                  "clientId": 1, "agentId": 1, "subType": "DDS",
+                  "partyName": "Test Customer", "address1": "Somewhere", "city": "Bhopal",
+                  "pincode": "462016", "mobileNoSms": "9000000000", "operation": "Self",
+                  "adultMinor": "Adult", "openingDate": "01 September 2026",
+                  "dateFormat": "dd MMMM yyyy", "locale": "en"
+                  %s
+                }
+                """.formatted(extraJson);
+        return Party.fromJson(client, agent, "PT0001", DdsCommands.of(json));
+    }
+
+    @Nested
+    @DisplayName("What the customer is quoted at opening")
+    class Maturity {
+
+        /**
+         * A day's deposit earns interest for every day it is held, so the first instalment earns for
+         * the whole term and the last for one day - n(n+1)/2 instalment-days in total. This is the
+         * figure quoted to the customer, and the one the interest runs have to add up to.
+         */
+        @Test
+        void interestIsOnEachInstalmentForTheDaysItIsHeld() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90, \"interestRate\": 2");
+
+            // 90 x 100 = 9,000 principal. Instalment-days = 90 x 91 / 2 = 4,095.
+            // Interest = 100 x 4095 x 2 / 100 / 365 = 22.4383...
+            assertEquals(new BigDecimal("9022.44"), party.getMaturityAmount());
+        }
+
+        @Test
+        void aZeroRateReturnsTheDepositsAndNothingMore() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90, \"interestRate\": 0");
+
+            assertEquals(new BigDecimal("9000.00"), party.getMaturityAmount());
+        }
+
+        /** Nothing is quoted for a term nobody has agreed to yet. */
+        @Test
+        void noTermMeansNoMaturityAmount() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 0, \"interestRate\": 2");
+
+            assertEquals(BigDecimal.ZERO, party.getMaturityAmount());
+        }
+
+        @Test
+        void noDailyAmountMeansNoMaturityAmount() {
+            final Party party = party(", \"dailyDepositAmount\": 0, \"days\": 90, \"interestRate\": 2");
+
+            assertEquals(BigDecimal.ZERO, party.getMaturityAmount());
+        }
+
+        /** The rate the business settled on when none is sent - see Party's DEFAULT_INTEREST_RATE. */
+        @Test
+        void aRateIsAppliedWhenNoneWasSent() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+
+            assertEquals(new BigDecimal("2"), party.getInterestRate());
+            assertEquals(new BigDecimal("9022.44"), party.getMaturityAmount());
+        }
+    }
+
+    @Nested
+    @DisplayName("Collections and payouts")
+    class Balance {
+
+        @Test
+        void aCollectionRaisesTheBalanceAndReturnsIt() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+
+            assertEquals(new BigDecimal("100"), party.credit(HUNDRED_A_DAY));
+            assertEquals(new BigDecimal("200"), party.credit(HUNDRED_A_DAY));
+            assertEquals(new BigDecimal("200"), party.getCurrentBalance());
+        }
+
+        @Test
+        void aPayoutLowersTheBalance() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+            party.credit(new BigDecimal("500"));
+
+            assertEquals(new BigDecimal("200"), party.debit(new BigDecimal("300")));
+        }
+
+        @Test
+        void anOpeningBalanceStartsTheAccountOff() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90, \"openingBalance\": 250");
+
+            assertEquals(new BigDecimal("250"), party.getCurrentBalance());
+        }
+    }
+
+    @Nested
+    @DisplayName("Interest, and why it cannot be earned twice")
+    class Interest {
+
+        private static final LocalDate THROUGH = LocalDate.of(2026, 9, 30);
+
+        /** Accrued interest is not the customer's to draw on, so the balance does not move yet. */
+        @Test
+        void accruingParksTheInterestWithoutTouchingTheBalance() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+            party.credit(new BigDecimal("1000"));
+
+            party.accrueInterest(new BigDecimal("52.60"), THROUGH, false);
+
+            assertEquals(new BigDecimal("52.60"), party.accruedInterest(false));
+            assertEquals(new BigDecimal("1000"), party.getCurrentBalance());
+            assertEquals(THROUGH, party.interestCalculatedThrough(false));
+        }
+
+        @Test
+        void postingMovesItIntoTheBalanceAndLeavesNothingAccrued() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+            party.credit(new BigDecimal("1000"));
+            party.accrueInterest(new BigDecimal("52.60"), THROUGH, false);
+
+            assertEquals(new BigDecimal("1052.60"), party.postInterest(new BigDecimal("52.60"), false));
+            assertEquals(new BigDecimal("0.00"), party.accruedInterest(false));
+        }
+
+        /**
+         * The guard against paying the same interest twice: a second posting comes off an accrued
+         * figure that is already empty, so there is nothing left to move.
+         */
+        @Test
+        void aSecondPostingOfTheSameInterestFindsNothingLeft() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+            party.accrueInterest(new BigDecimal("52.60"), THROUGH, false);
+            party.postInterest(new BigDecimal("52.60"), false);
+
+            assertEquals(new BigDecimal("0.00"), party.accruedInterest(false));
+        }
+
+        /** OD interest has its own figure and its own date - a run of one must not consume the other. */
+        @Test
+        void odInterestIsKeptApartFromOrdinaryInterest() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+
+            party.accrueInterest(new BigDecimal("10.00"), THROUGH, false);
+            party.accrueInterest(new BigDecimal("3.00"), THROUGH.plusDays(1), true);
+
+            assertEquals(new BigDecimal("10.00"), party.accruedInterest(false));
+            assertEquals(new BigDecimal("3.00"), party.accruedInterest(true));
+            assertEquals(THROUGH, party.interestCalculatedThrough(false));
+            assertEquals(THROUGH.plusDays(1), party.interestCalculatedThrough(true));
+        }
+
+        @Test
+        void interestAccruesFromWhereTheLastRunStopped() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+
+            assertNull(party.interestCalculatedThrough(false));
+
+            party.accrueInterest(new BigDecimal("5.00"), THROUGH, false);
+            party.accrueInterest(new BigDecimal("5.00"), THROUGH.plusMonths(1), false);
+
+            assertEquals(new BigDecimal("10.00"), party.accruedInterest(false));
+            assertEquals(THROUGH.plusMonths(1), party.interestCalculatedThrough(false));
+        }
+    }
+
+    @Nested
+    @DisplayName("Closing")
+    class Closing {
+
+        @Test
+        void anAccountIsOpenUntilItIsClosed() {
+            final Party party = party(", \"dailyDepositAmount\": 100, \"days\": 90");
+
+            assertFalse(party.isClosed());
+
+            party.close(LocalDate.of(2026, 12, 1));
+
+            assertTrue(party.isClosed());
+            assertEquals(LocalDate.of(2026, 12, 1), party.getCloseDate());
+        }
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor.java

@@ -0,0 +1,189 @@
+/**
+ * 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.portfolio.loanaccount.domain.transactionprocessor.impl;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Set;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
+import org.apache.fineract.organisation.monetary.domain.Money;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionToRepaymentScheduleMapping;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.AbstractLoanRepaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.serialization.LoanChargeValidator;
+import org.apache.fineract.portfolio.loanaccount.service.LoanBalanceService;
+
+/**
+ * {@link LoanRepaymentScheduleTransactionProcessor} that pays off components in order of fees, penalties, interest,
+ * then principal.
+ *
+ * Other formulas exist on fineract where you can choose 'Declining-Balance Interest Recalculation' which simply means,
+ * recalculate the interest component based on the how much principal is outstanding at a point in time; but this isnt
+ * trying to model that option only the basic one for now.
+ */
+@SuppressWarnings("unused")
+public class FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor extends AbstractLoanRepaymentScheduleTransactionProcessor {
+
+    public static final String STRATEGY_CODE = "fees-penalties-interest-principal-order-strategy";
+
+    public static final String STRATEGY_NAME = "Fees, Penalties, Interest, Principal Order";
+
+    public FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor(final ExternalIdFactory externalIdFactory,
+            final LoanChargeValidator loanChargeValidator, final LoanBalanceService loanBalanceService) {
+        super(externalIdFactory, loanChargeValidator, loanBalanceService);
+    }
+
+    @Override
+    public String getCode() {
+        return STRATEGY_CODE;
+    }
+
+    @Override
+    public String getName() {
+        return STRATEGY_NAME;
+    }
+
+    /**
+     * For early/'in advance' repayments, pay off in the same way as on-time payments, interest first then principal.
+     */
+    @Override
+    protected Money handleTransactionThatIsPaymentInAdvanceOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final List<LoanRepaymentScheduleInstallment> installments, final LoanTransaction loanTransaction, final Money paymentInAdvance,
+            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings, Set<LoanCharge> charges) {
+
+        return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, paymentInAdvance, transactionMappings,
+                charges);
+    }
+
+    /**
+     * For late repayments, pay off in the same way as on-time payments, interest first then principal.
+     */
+    @Override
+    protected Money handleTransactionThatIsALateRepaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final List<LoanRepaymentScheduleInstallment> installments, final LoanTransaction loanTransaction,
+            final Money transactionAmountUnprocessed, List<LoanTransactionToRepaymentScheduleMapping> transactionMappings,
+            Set<LoanCharge> charges) {
+
+        return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, transactionAmountUnprocessed,
+                transactionMappings, charges);
+    }
+
+    /**
+     * For normal on-time repayments, pays off interest first, then principal.
+     */
+    @Override
+    protected Money handleTransactionThatIsOnTimePaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final LoanTransaction loanTransaction, final Money transactionAmountUnprocessed,
+            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings, Set<LoanCharge> charges) {
+
+        final LocalDate transactionDate = loanTransaction.getTransactionDate();
+        final MonetaryCurrency currency = transactionAmountUnprocessed.getCurrency();
+        Money transactionAmountRemaining = transactionAmountUnprocessed;
+        Money principalPortion = Money.zero(transactionAmountRemaining.getCurrency());
+        Money interestPortion = Money.zero(transactionAmountRemaining.getCurrency());
+        Money feeChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
+        Money penaltyChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
+
+        if (loanTransaction.isChargesWaiver()) {
+            penaltyChargesPortion = currentInstallment.waivePenaltyChargesComponent(transactionDate,
+                    loanTransaction.getPenaltyChargesPortion(currency));
+            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+
+            feeChargesPortion = currentInstallment.waiveFeeChargesComponent(transactionDate,
+                    loanTransaction.getFeeChargesPortion(currency));
+            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+
+        } else if (loanTransaction.isInterestWaiver()) {
+            interestPortion = currentInstallment.waiveInterestComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
+
+            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        } else if (loanTransaction.isChargePayment()) {
+            if (loanTransaction.isPenaltyPayment()) {
+                penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
+                transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+            } else {
+                feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
+                transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+            }
+            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        } else {
+            feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+
+            penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+
+            interestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
+
+            principalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
+
+            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        }
+        if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
+            transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction, currentInstallment,
+                    principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion));
+        }
+        return transactionAmountRemaining;
+    }
+
+    @Override
+    protected Money handleRefundTransactionPaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final LoanTransaction loanTransaction, final Money transactionAmountUnprocessed,
+            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {
+
+        final LocalDate transactionDate = loanTransaction.getTransactionDate();
+        final MonetaryCurrency currency = transactionAmountUnprocessed.getCurrency();
+        Money transactionAmountRemaining = transactionAmountUnprocessed;
+        Money principalPortion = Money.zero(currency);
+        Money interestPortion = Money.zero(currency);
+        Money feeChargesPortion = Money.zero(currency);
+        Money penaltyChargesPortion = Money.zero(currency);
+
+        principalPortion = currentInstallment.unpayPrincipalComponent(transactionDate, transactionAmountRemaining);
+        transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
+
+        if (transactionAmountRemaining.isGreaterThanZero()) {
+            interestPortion = currentInstallment.unpayInterestComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
+        }
+
+        if (transactionAmountRemaining.isGreaterThanZero()) {
+            penaltyChargesPortion = currentInstallment.unpayPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+        }
+
+        if (transactionAmountRemaining.isGreaterThanZero()) {
+            feeChargesPortion = currentInstallment.unpayFeeChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+        }
+        loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
+            transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction, currentInstallment,
+                    principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion));
+        }
+        return transactionAmountRemaining;
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/FeesPenaltiesInterestPrincipalLoanRepaymentScheduleTransactionProcessorCondition.java

@@ -0,0 +1,30 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * 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.portfolio.loanaccount.starter;
+
+import org.apache.fineract.infrastructure.core.condition.PropertiesCondition;
+import org.apache.fineract.infrastructure.core.config.FineractProperties;
+
+public class FeesPenaltiesInterestPrincipalLoanRepaymentScheduleTransactionProcessorCondition extends PropertiesCondition {
+
+    @Override
+    protected boolean matches(FineractProperties properties) {
+        return properties.getLoan().getTransactionProcessor().getFeesPenaltiesInterestPrincipal().isEnabled();
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanProductData.java

@@ -225,6 +225,12 @@ public class LoanProductData implements Serializable {
     private final LoanProductGuaranteeData productGuaranteeData;
     private final Boolean accountMovesOutOfNPAOnlyOnArrearsCompletion;
     private LoanProductConfigurableAttributes allowAttributeOverrides;
+
+    /**
+     * "Advances A/C" satellite fields (security, lien, renewal, npa, cheque book), flat by their form field
+     * name. Set after construction (like {@link #allowAttributeOverrides}) so the edit form can repopulate.
+     */
+    private Map<String, Object> advanceExtensions;
     private final boolean syncExpectedWithDisbursementDate;
     private final boolean isEqualAmortization;
     private final BigDecimal fixedPrincipalPercentagePerInstallment;
@@ -1466,6 +1472,14 @@ public class LoanProductData implements Serializable {
         this.allowAttributeOverrides = loanProductConfigurableAttributes;
     }
 
+    public void setAdvanceExtensions(final Map<String, Object> advanceExtensions) {
+        this.advanceExtensions = advanceExtensions;
+    }
+
+    public Map<String, Object> getAdvanceExtensions() {
+        return this.advanceExtensions;
+    }
+
     public boolean isIsLinkedToFloatingInterestRates() {
         return this.isLinkedToFloatingInterestRates;
     }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductAdvanceExt.java

@@ -0,0 +1,471 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.OneToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * "Advances A/C" product configuration that Fineract's loan-product schema has no home for
+ * (security & margin, lien, deposit-linked interest, penal/NPA handling, renewal, monitoring,
+ * cheque book). It is a standalone satellite keyed by {@code loan_product_id} rather than a widening
+ * of {@code m_product_loan} or a new relation on {@link LoanProduct}: the product entity graph is
+ * loaded on the hot loan-origination path, so it is deliberately left untouched.
+ *
+ * Typed columns (not a JSON blob) so reports can filter on them and GL ids get a real FK.
+ */
+@Entity
+@Getter
+@Setter
+@NoArgsConstructor
+@Table(name = "m_product_loan_advance_ext")
+public class LoanProductAdvanceExt {
+
+    @Id
+    @Column(name = "loan_product_id")
+    private Long loanProductId;
+
+    /** Shared primary key, mapped read-only; {@link #loanProductId} is the writable side. */
+    @OneToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "loan_product_id", insertable = false, updatable = false)
+    private LoanProduct loanProduct;
+
+    // ---- classification -------------------------------------------------
+    @Column(name = "product_type_group")
+    private String productTypeGroup;
+
+    @Column(name = "product_type_sub_group")
+    private String productTypeSubGroup;
+
+    @Column(name = "gl_account_id")
+    private Long glAccountId;
+
+    @Column(name = "loan_product_category")
+    private String loanProductCategory;
+
+    @Column(name = "priority_sector")
+    private String prioritySector;
+
+    @Column(name = "cibil_account_type")
+    private String cibilAccountType;
+
+    @Column(name = "kfs_enabled")
+    private Boolean kfsEnabled;
+
+    @Column(name = "apr_enabled")
+    private Boolean aprEnabled;
+
+    // ---- facility -------------------------------------------------------
+    @Column(name = "facility_type")
+    private String facilityType;
+
+    // ---- security & margin ----------------------------------------------
+    @Column(name = "security_type")
+    private String securityType;
+
+    @Column(name = "charge_type")
+    private String chargeType;
+
+    @Column(name = "eligible_amount_basis")
+    private String eligibleAmountBasis;
+
+    @Column(name = "margin_pct")
+    private BigDecimal marginPct;
+
+    @Column(name = "ltv_pct")
+    private BigDecimal ltvPct;
+
+    @Column(name = "dp_method")
+    private String dpMethod;
+
+    // ---- lien -----------------------------------------------------------
+    @Column(name = "lien_required")
+    private Boolean lienRequired;
+
+    @Column(name = "lien_marking_stage")
+    private String lienMarkingStage;
+
+    @Column(name = "lien_certificate_required")
+    private Boolean lienCertificateRequired;
+
+    @Column(name = "lien_certificate_prefix")
+    private String lienCertificatePrefix;
+
+    @Column(name = "print_certificate_on_disbursement")
+    private Boolean printCertificateOnDisbursement;
+
+    // ---- interest (extras; rate bounds live on the core product) --------
+    @Column(name = "interest_basis")
+    private String interestBasis;
+
+    @Column(name = "spread_pct")
+    private BigDecimal spreadPct;
+
+    @Column(name = "interest_charged_on")
+    private String interestChargedOn;
+
+    @Column(name = "interest_posting_frequency")
+    private String interestPostingFrequency;
+
+    // ---- penal & NPA (extras; npaDays/grace/tolerance live on core) ------
+    @Column(name = "penal_applicable")
+    private Boolean penalApplicable;
+
+    @Column(name = "penal_rate_pct")
+    private BigDecimal penalRatePct;
+
+    @Column(name = "penal_applied_on")
+    private String penalAppliedOn;
+
+    @Column(name = "penal_grace_days")
+    private Integer penalGraceDays;
+
+    @Column(name = "npa_trigger")
+    private String npaTrigger;
+
+    @Column(name = "interest_after_npa")
+    private String interestAfterNpa;
+
+    @Column(name = "undebited_interest_gl_id")
+    private Long undebitedInterestGlId;
+
+    // ---- renewal & closure ----------------------------------------------
+    @Column(name = "renewal_allowed")
+    private Boolean renewalAllowed;
+
+    @Column(name = "renewal_period_months")
+    private Integer renewalPeriodMonths;
+
+    @Column(name = "renewal_grace_days")
+    private Integer renewalGraceDays;
+
+    @Column(name = "preclosure_allowed")
+    private String preclosureAllowed;
+
+    @Column(name = "lock_in_months")
+    private Integer lockInMonths;
+
+    @Column(name = "interest_on_preclosure")
+    private String interestOnPreclosure;
+
+    // ---- monitoring -----------------------------------------------------
+    @Column(name = "revaluation_freq_months")
+    private Integer revaluationFreqMonths;
+
+    @Column(name = "insurance_required")
+    private Boolean insuranceRequired;
+
+    @Column(name = "stock_statement_freq_months")
+    private Integer stockStatementFreqMonths;
+
+    // ---- cheque book ----------------------------------------------------
+    @Column(name = "cheque_book_enabled")
+    private Boolean chequeBookEnabled;
+
+    @Column(name = "cheque_type")
+    private String chequeType;
+
+    @Column(name = "default_cheque_book_size")
+    private Integer defaultChequeBookSize;
+
+    @Column(name = "pps_threshold")
+    private BigDecimal ppsThreshold;
+
+    @Column(name = "pps_mandatory_above")
+    private BigDecimal ppsMandatoryAbove;
+
+    // ---- share (co-op) --------------------------------------------------
+    @Column(name = "share_capital_gl_id")
+    private Long shareCapitalGlId;
+
+    // ---- security & lien extras -----------------------------------------
+    /** Pledgeable deposit product names, joined with "|". */
+    @Column(name = "eligible_deposit_products")
+    private String eligibleDepositProducts;
+
+    @Column(name = "lien_tenure_not_exceed_maturity")
+    private Boolean lienTenureNotExceedMaturity;
+
+    @Column(name = "lien_auto_release_on_closure")
+    private Boolean lienAutoReleaseOnClosure;
+
+    @Column(name = "lien_allow_multiple_deposits")
+    private Boolean lienAllowMultipleDeposits;
+
+    @Column(name = "lien_adjust_from_maturity")
+    private Boolean lienAdjustFromMaturity;
+
+    @Column(name = "lien_allow_third_party")
+    private Boolean lienAllowThirdParty;
+
+    @Column(name = "lien_allow_renewal_under_lien")
+    private Boolean lienAllowRenewalUnderLien;
+
+    // ---- limit & tenure extras ------------------------------------------
+    @Column(name = "repayment_type")
+    private String repaymentType;
+
+    @Column(name = "appropriation_order")
+    private String appropriationOrder;
+
+    @Column(name = "debit_balance_allow")
+    private Boolean debitBalanceAllow;
+
+    @Column(name = "allow_debit_after_due_date")
+    private Boolean allowDebitAfterDueDate;
+
+    @Column(name = "branch_level_account_type")
+    private Boolean branchLevelAccountType;
+
+    // ---- interest extras ------------------------------------------------
+    @Column(name = "interest_calc_method")
+    private String interestCalcMethod;
+
+    @Column(name = "interest_on_credit_balance")
+    private Boolean interestOnCreditBalance;
+
+    @Column(name = "interest_posting_day")
+    private String interestPostingDay;
+
+    // ---- NPA upgrade rules ----------------------------------------------
+    @Column(name = "npa_upgrade_only_all_arrears")
+    private Boolean npaUpgradeOnlyAllArrears;
+
+    @Column(name = "npa_keep_standard_if_deposit_covers")
+    private Boolean npaKeepStandardIfDepositCovers;
+
+    // ---- cheque book full config ----------------------------------------
+    /** Allowed book sizes (leaves), joined with "|". */
+    @Column(name = "cheque_book_sizes")
+    private String chequeBookSizes;
+
+    @Column(name = "cheque_max_books_outstanding")
+    private Integer chequeMaxBooksOutstanding;
+
+    @Column(name = "cheque_reissue_when_leaves")
+    private Integer chequeReissueWhenLeaves;
+
+    @Column(name = "cheque_first_book_free")
+    private Boolean chequeFirstBookFree;
+
+    @Column(name = "cheque_free_books_per_year")
+    private Integer chequeFreeBooksPerYear;
+
+    @Column(name = "cheque_name_printed")
+    private String chequeNamePrinted;
+
+    @Column(name = "cheque_print_description")
+    private String chequePrintDescription;
+
+    @Column(name = "cheque_stop_payment_allowed")
+    private Boolean chequeStopPaymentAllowed;
+
+    @Column(name = "cheque_maintain_stock_register")
+    private Boolean chequeMaintainStockRegister;
+
+    @Column(name = "cheque_allow_withdrawal_slip")
+    private Boolean chequeAllowWithdrawalSlip;
+
+    @Column(name = "cheque_block_npa")
+    private Boolean chequeBlockNpa;
+
+    @Column(name = "cheque_block_limit_expired")
+    private Boolean chequeBlockLimitExpired;
+
+    @Column(name = "cheque_block_over_dp")
+    private Boolean chequeBlockOverDp;
+
+    @Column(name = "cheque_block_frozen")
+    private Boolean chequeBlockFrozen;
+
+    @Column(name = "cheque_block_lien_released")
+    private Boolean chequeBlockLienReleased;
+
+    // ---- Loans A/C (EMI) wizard fields -------------------------------------
+    @Column(name = "loan_security_mandatory")
+    private String securityMandatory;
+
+    @Column(name = "loan_guarantors_required")
+    private Integer guarantorsRequired;
+
+    @Column(name = "loan_co_applicant")
+    private String coApplicant;
+
+    @Column(name = "loan_third_party_security")
+    private String thirdPartySecurity;
+
+    @Column(name = "loan_legal_opinion_required")
+    private Boolean legalOpinionRequired;
+
+    @Column(name = "loan_property_insurance_required")
+    private Boolean propertyInsuranceRequired;
+
+    @Column(name = "loan_register_charge")
+    private Boolean registerCharge;
+
+    @Column(name = "loan_release_security_on_closure")
+    private Boolean releaseSecurityOnClosure;
+
+    @Column(name = "loan_allow_multiple_securities")
+    private Boolean allowMultipleSecurities;
+
+    @Column(name = "loan_allow_third_party_deposit")
+    private Boolean allowThirdPartyDeposit;
+
+    @Column(name = "loan_min_age")
+    private Integer minAge;
+
+    @Column(name = "loan_max_age_at_maturity")
+    private Integer maxAgeAtMaturity;
+
+    @Column(name = "loan_min_cibil")
+    private Integer minCibil;
+
+    @Column(name = "loan_min_monthly_income")
+    private BigDecimal minMonthlyIncome;
+
+    @Column(name = "loan_max_foir")
+    private BigDecimal maxFoir;
+
+    @Column(name = "loan_max_loans_per_customer")
+    private Integer maxLoansPerCustomer;
+
+    @Column(name = "loan_disbursement_type")
+    private String disbursementType;
+
+    @Column(name = "loan_disbursement_mode")
+    private String disbursementMode;
+
+    @Column(name = "loan_undisbursed_interest")
+    private String undisbursedInterest;
+
+    @Column(name = "loan_pre_emi_interest")
+    private Boolean preEmiInterest;
+
+    @Column(name = "loan_emi_due_day")
+    private String emiDueDay;
+
+    @Column(name = "loan_holiday_rule")
+    private String holidayRule;
+
+    @Column(name = "loan_moratorium_months")
+    private Integer moratoriumMonths;
+
+    @Column(name = "loan_moratorium_interest")
+    private String moratoriumInterest;
+
+    @Column(name = "loan_variable_installments")
+    private Boolean variableInstallments;
+
+    @Column(name = "loan_repayment_mode")
+    private String repaymentMode;
+
+    @Column(name = "loan_linked_account_type")
+    private String linkedAccountType;
+
+    @Column(name = "loan_pdc_collection")
+    private String pdcCollection;
+
+    @Column(name = "loan_mandate_required")
+    private Boolean mandateRequired;
+
+    @Column(name = "loan_advance_emi")
+    private String advanceEmi;
+
+    @Column(name = "loan_rate_type")
+    private String rateType;
+
+    @Column(name = "loan_register_particular")
+    private String registerParticular;
+
+    @Column(name = "loan_apply_cibil_adjustment")
+    private Boolean applyCibilAdjustment;
+
+    @Column(name = "loan_rate_resolved_at")
+    private String rateResolvedAt;
+
+    @Column(name = "loan_calc_period")
+    private String calcPeriod;
+
+    @Column(name = "loan_interest_starts_from")
+    private String interestStartsFrom;
+
+    @Column(name = "loan_compounding")
+    private String compounding;
+
+    @Column(name = "loan_benchmark")
+    private String benchmark;
+
+    @Column(name = "loan_reset_frequency")
+    private String resetFrequency;
+
+    @Column(name = "loan_reset_change")
+    private String resetChange;
+
+    @Column(name = "loan_part_prepayment_allowed")
+    private Boolean partPrepaymentAllowed;
+
+    @Column(name = "loan_min_part_payment")
+    private BigDecimal minPartPayment;
+
+    @Column(name = "loan_allowed_on")
+    private String allowedOn;
+
+    @Column(name = "loan_part_payments_per_year")
+    private String partPaymentsPerYear;
+
+    @Column(name = "loan_part_prepayment_mode")
+    private String partPrepaymentMode;
+
+    @Column(name = "loan_foreclosure_floating_individual")
+    private BigDecimal foreclosureFloatingIndividual;
+
+    @Column(name = "loan_foreclosure_fixed_individual")
+    private BigDecimal foreclosureFixedIndividual;
+
+    @Column(name = "loan_foreclosure_non_individual")
+    private BigDecimal foreclosureNonIndividual;
+
+    @Column(name = "loan_foreclosure_takeover")
+    private BigDecimal foreclosureTakeover;
+
+    @Column(name = "loan_foreclosure_quote_valid_days")
+    private Integer foreclosureQuoteValidDays;
+
+    @Column(name = "loan_auto_close_on_zero_balance")
+    private Boolean autoCloseOnZeroBalance;
+
+    @Column(name = "loan_noc_letter")
+    private String nocLetter;
+
+    @Column(name = "loan_restructuring")
+    private String restructuring;
+
+    @Column(name = "loan_release_collateral_on_closure")
+    private Boolean releaseCollateralOnClosure;
+
+    @Column(name = "loan_top_up_allowed")
+    private Boolean topUpAllowed;
+
+    @Column(name = "loan_balance_transfer_out_allowed")
+    private Boolean balanceTransferOutAllowed;
+
+    public LoanProductAdvanceExt(final LoanProduct loanProduct) {
+        this.loanProduct = loanProduct;
+        this.loanProductId = loanProduct.getId();
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductAdvanceExtRepository.java

@@ -0,0 +1,16 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanProductAdvanceExtRepository extends JpaRepository<LoanProductAdvanceExt, Long> {
+
+    Optional<LoanProductAdvanceExt> findByLoanProductId(Long loanProductId);
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterCibilSlab.java

@@ -0,0 +1,76 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+
+/**
+ * One CIBIL/credit-score band of a rate register version — e.g. {601..650} tier "Fair" adds +1.00%.
+ * Applied on top of the chart cell at loan sanction. Typically 5 rows per version; ordered on reads
+ * by {@code displayOrder}.
+ */
+@Entity
+@Table(name = "m_loan_rate_register_cibil_slab")
+@Getter
+@Setter
+@NoArgsConstructor
+public class LoanRateRegisterCibilSlab {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "effective_id", nullable = false)
+    private Long effectiveId;
+
+    @Column(name = "score_from", nullable = false)
+    private Integer scoreFrom;
+
+    @Column(name = "score_to", nullable = false)
+    private Integer scoreTo;
+
+    @Column(name = "tier", length = 30, nullable = false)
+    private String tier;
+
+    @Column(name = "slab_type", length = 20, nullable = false)
+    private String slabType;
+
+    @Column(name = "adjustment_pct", nullable = false)
+    private BigDecimal adjustmentPct;
+
+    @Column(name = "display_order", nullable = false)
+    private Integer displayOrder;
+
+    @Column(name = "created_date")
+    private LocalDateTime createdDate;
+
+    public static LoanRateRegisterCibilSlab create(final Long effectiveId, final Integer scoreFrom, final Integer scoreTo, final String tier,
+            final String slabType, final BigDecimal adjustmentPct, final Integer displayOrder) {
+        final LoanRateRegisterCibilSlab s = new LoanRateRegisterCibilSlab();
+        s.effectiveId = effectiveId;
+        s.scoreFrom = scoreFrom;
+        s.scoreTo = scoreTo;
+        s.tier = tier;
+        s.slabType = slabType != null ? slabType : "Flat";
+        s.adjustmentPct = adjustmentPct;
+        s.displayOrder = displayOrder;
+        s.createdDate = LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant());
+        return s;
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterCibilSlabRepository.java

@@ -0,0 +1,17 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanRateRegisterCibilSlabRepository extends JpaRepository<LoanRateRegisterCibilSlab, Long> {
+
+    /** CIBIL bands for a version, ordered as the UI shows them (ascending score bands). */
+    List<LoanRateRegisterCibilSlab> findByEffectiveIdOrderByDisplayOrderAsc(Long effectiveId);
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterEffective.java

@@ -0,0 +1,94 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+
+/**
+ * One effective (versioned) copy of the central Loan Interest Rate Register. Mirrors the
+ * {@code FdBaseInterestRateEffective} versioning model: each approved save creates a new row with
+ * {@code isActive=true} and deactivates the previous active row ({@code isActive=false,
+ * effectiveToDate=today}). Reads for "current active" filter on {@code isActive=true}.
+ *
+ * The 34-product × 10-slab rate matrix for this version lives in {@link LoanRateRegisterSlabHistory};
+ * the CIBIL/credit-score bands live in {@link LoanRateRegisterCibilSlab}, both keyed by this row's
+ * id and cascade-deleted with it.
+ */
+@Entity
+@Table(name = "m_loan_rate_register_effective")
+@Getter
+@Setter
+@NoArgsConstructor
+public class LoanRateRegisterEffective {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "name", length = 200, nullable = false)
+    private String name;
+
+    @Column(name = "effective_from_date", nullable = false)
+    private LocalDate effectiveFromDate;
+
+    @Column(name = "effective_to_date")
+    private LocalDate effectiveToDate;
+
+    @Column(name = "currency_code", length = 3, nullable = false)
+    private String currencyCode;
+
+    @Column(name = "is_active", nullable = false)
+    private Boolean isActive;
+
+    @Column(name = "fallback_no_cibil_slab", nullable = false)
+    private Integer fallbackNoCibilSlab;
+
+    @Column(name = "fallback_below_min", length = 20, nullable = false)
+    private String fallbackBelowMin;
+
+    @Column(name = "note", length = 500)
+    private String note;
+
+    @Column(name = "created_by_id")
+    private Long createdById;
+
+    @Column(name = "created_date")
+    private LocalDateTime createdDate;
+
+    public static LoanRateRegisterEffective create(final String name, final LocalDate effectiveFromDate, final String currencyCode,
+            final Integer fallbackNoCibilSlab, final String fallbackBelowMin, final String note, final Long createdById) {
+        final LoanRateRegisterEffective e = new LoanRateRegisterEffective();
+        e.name = name;
+        e.effectiveFromDate = effectiveFromDate;
+        e.currencyCode = currencyCode != null ? currencyCode : "INR";
+        e.isActive = true;
+        e.fallbackNoCibilSlab = fallbackNoCibilSlab != null ? fallbackNoCibilSlab : 2;
+        e.fallbackBelowMin = fallbackBelowMin != null ? fallbackBelowMin : "block";
+        e.note = note;
+        e.createdById = createdById;
+        e.createdDate = LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant());
+        return e;
+    }
+
+    /** Flip this version to inactive and close its effective window. Called when a newer version is approved. */
+    public void deactivate(final LocalDate toDate) {
+        this.isActive = false;
+        this.effectiveToDate = toDate;
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterEffectiveRepository.java

@@ -0,0 +1,24 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanRateRegisterEffectiveRepository extends JpaRepository<LoanRateRegisterEffective, Long> {
+
+    /** All active versions, newest-effective first. At most one row in a healthy system. */
+    List<LoanRateRegisterEffective> findByIsActiveTrueOrderByEffectiveFromDateDesc();
+
+    /** The current active version, if any. */
+    Optional<LoanRateRegisterEffective> findFirstByIsActiveTrueOrderByEffectiveFromDateDesc();
+
+    /** Version history list — all versions, newest first. */
+    List<LoanRateRegisterEffective> findAllByOrderByEffectiveFromDateDesc();
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterProduct.java

@@ -0,0 +1,52 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * A "particular" (loan type) row of the Loan Interest Rate Register chart. The GL account is a
+ * property of the particular, so it lives here rather than on each rate-register version. Kept as a
+ * plain {@code gl_account_id} column (no relation) to avoid pulling the accounting module's entity
+ * graph into the loan module.
+ */
+@Entity
+@Table(name = "m_loan_rate_register_product")
+@Getter
+@Setter
+@NoArgsConstructor
+public class LoanRateRegisterProduct {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "sr_no", nullable = false)
+    private Integer srNo;
+
+    @Column(name = "name", length = 200, nullable = false)
+    private String name;
+
+    @Column(name = "gl_account_id")
+    private Long glAccountId;
+
+    @Column(name = "is_active", nullable = false)
+    private Boolean isActive;
+
+    @Column(name = "created_date")
+    private LocalDateTime createdDate;
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterProductRepository.java

@@ -0,0 +1,17 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanRateRegisterProductRepository extends JpaRepository<LoanRateRegisterProduct, Long> {
+
+    /** Active particulars in chart order. */
+    List<LoanRateRegisterProduct> findByIsActiveTrueOrderBySrNoAsc();
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterSlabHistory.java

@@ -0,0 +1,98 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+
+/**
+ * A single cell of a rate register version — one row per {product × amount-slab}. Product and slab
+ * metadata are denormalised so one query can rebuild the full matrix without a join. The cell holds
+ * either a plain numeric rate, a formula string ({@code "1% + FD"}) resolved at sanction, or
+ * N.A. (both value and formula null, {@code isNa=true}) to mean "slab not offered".
+ */
+@Entity
+@Table(name = "m_loan_rate_register_slab_history")
+@Getter
+@Setter
+@NoArgsConstructor
+public class LoanRateRegisterSlabHistory {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "effective_id", nullable = false)
+    private Long effectiveId;
+
+    // ---- product dimension ----------------------------------------------
+    /** Stable link to the master particular (and its GL). Null only for rows written before the master existed. */
+    @Column(name = "product_id")
+    private Long productId;
+
+    @Column(name = "product_sr_no", nullable = false)
+    private Integer productSrNo;
+
+    @Column(name = "product_name", length = 200, nullable = false)
+    private String productName;
+
+    // ---- amount-slab dimension ------------------------------------------
+    @Column(name = "slab_order", nullable = false)
+    private Integer slabOrder;
+
+    @Column(name = "slab_label", length = 60, nullable = false)
+    private String slabLabel;
+
+    @Column(name = "amount_upto")
+    private BigDecimal amountUpto;
+
+    // ---- cell value (exactly one of value / formula is populated; both null + isNa=true means N.A.) ----
+    @Column(name = "rate_value")
+    private BigDecimal rateValue;
+
+    @Column(name = "rate_formula", length = 50)
+    private String rateFormula;
+
+    @Column(name = "is_formula", nullable = false)
+    private Boolean isFormula;
+
+    @Column(name = "is_na", nullable = false)
+    private Boolean isNa;
+
+    @Column(name = "created_date")
+    private LocalDateTime createdDate;
+
+    public static LoanRateRegisterSlabHistory create(final Long effectiveId, final Long productId, final Integer productSrNo,
+            final String productName, final Integer slabOrder, final String slabLabel, final BigDecimal amountUpto,
+            final BigDecimal rateValue, final String rateFormula, final boolean isFormula, final boolean isNa) {
+        final LoanRateRegisterSlabHistory s = new LoanRateRegisterSlabHistory();
+        s.effectiveId = effectiveId;
+        s.productId = productId;
+        s.productSrNo = productSrNo;
+        s.productName = productName;
+        s.slabOrder = slabOrder;
+        s.slabLabel = slabLabel;
+        s.amountUpto = amountUpto;
+        s.rateValue = rateValue;
+        s.rateFormula = rateFormula;
+        s.isFormula = isFormula;
+        s.isNa = isNa;
+        s.createdDate = LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant());
+        return s;
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanRateRegisterSlabHistoryRepository.java

@@ -0,0 +1,17 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanRateRegisterSlabHistoryRepository extends JpaRepository<LoanRateRegisterSlabHistory, Long> {
+
+    /** All cells of a version, ordered by product then by amount-slab. Rebuilds the full matrix in order. */
+    List<LoanRateRegisterSlabHistory> findByEffectiveIdOrderByProductSrNoAscSlabOrderAsc(Long effectiveId);
+}

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

@@ -60,6 +60,7 @@ import org.apache.fineract.infrastructure.core.api.DateParam;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.core.data.DateFormat;
 import org.apache.fineract.infrastructure.core.data.UploadRequest;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
 import org.apache.fineract.infrastructure.core.exception.UnrecognizedQueryParamException;
 import org.apache.fineract.infrastructure.core.serialization.ApiRequestJsonSerializationSettings;
 import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
@@ -229,6 +230,11 @@ public class JournalEntriesApiResource {
             @PathParam("transactionId") @Parameter(description = "transactionId") final String transactionId,
             @QueryParam("command") @Parameter(description = "command") final String commandParam) {
         CommandProcessingResult result;
+        if (is(commandParam, "reverse")) {
+            throw new PlatformDataIntegrityException("error.msg.journalentry.reverse.not.allowed",
+                    "Reversing a journal entry is not allowed.");
+        }
+
         if (is(commandParam, "reverse")) {
             final CommandWrapper commandRequest = new CommandWrapperBuilder().reverseJournalEntry(transactionId).withJson(jsonRequestBody)
                     .build();

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

@@ -650,7 +650,7 @@ public class AccountingProcessorHelper {
      */
     public void createInterestPostingJournalEntriesForSavings(final Office office, final String currencyCode,
             final Long savingsProductId, final Long paymentTypeId, final Long savingsId, final String transactionId,
-            final LocalDate transactionDate, final BigDecimal amount, final boolean isReversal) {
+            final LocalDate transactionDate, final BigDecimal amount, final boolean isReversal, final boolean payableCarriesAccrual) {
 
         final GLAccount controlAccount = getLinkedGLAccountForSavingsProduct(savingsProductId,
                 CashAccountsForSavings.SAVINGS_CONTROL.getValue(), paymentTypeId);
@@ -665,10 +665,14 @@ public class AccountingProcessorHelper {
                 .ofNullable(optionalLinkedGLAccountForSavingsProduct(savingsProductId,
                         AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), paymentTypeId))
                 .or(() -> Optional.ofNullable(namedSavingsGlAccount(savingsProductId,
-                        SAVINGS_INTEREST_PAYABLE_MAPPING, "Fixed Deposit Interest Payable", "Interest Payable", "Interest Payable Account")))
+                        SAVINGS_INTEREST_PAYABLE_MAPPING, "Fixed Deposit Interest Payable", "Recurring Deposit Interest Payable",
+                        "Interest Payable", "Interest Payable Account")))
                 .orElse(controlAccount);
+        // The RD product screen saves its paid account as "Recurring Deposit Interest Paid"; without that name here an
+        // RD's interest skipped the paid leg even when the product had one mapped.
         final GLAccount paidAccount = Optional.ofNullable(namedSavingsGlAccount(savingsProductId,
-                        SAVINGS_INTEREST_PAID_MAPPING, "Fixed Deposit Interest Paid", "Interest Paid", "Interest Paid Account"))
+                        SAVINGS_INTEREST_PAID_MAPPING, "Fixed Deposit Interest Paid", "Recurring Deposit Interest Paid", "Interest Paid",
+                        "Interest Paid Account"))
                 .orElse(payableAccount);
 
         log.info("createInterestPostingJournalEntriesForSavings: savingsProductId={}, payableAccount=[{} - {}], paidAccount=[{} - {}], controlAccount=[{} - {}], interestExpense=[{} - {}], amount={}, isReversal={}",
@@ -706,6 +710,19 @@ public class AccountingProcessorHelper {
         // debit balance would come back negative and every posting would raise a shortfall larger
         // than the interest itself.
         final boolean payableIsLiability = GLAccountType.LIABILITY.getValue().equals(payableAccount.getType());
+        if (!payableCarriesAccrual) {
+            // Cash basis: nothing ever accrues into the payable, so whatever already sits on it - an opening balance
+            // brought over at migration, or another product's interest sharing the GL - is not this interest. Reading
+            // it as "already accrued" skipped the expense and drew that balance down instead, leaving the cost off the
+            // P&L. The whole amount is charged and raised, and a reversal or clawback takes it back the same way.
+            if (payableIsLiability) {
+                postSavingsLeg(office, currencyCode, interestOnSavingsAccount, payableAccount, savingsId, transactionId, transactionDate,
+                        amount, isReversal);
+            }
+            postPayableToMember(office, currencyCode, payableAccount, paidAccount, controlAccount, savingsId, transactionId,
+                    transactionDate, amount, isReversal);
+            return;
+        }
         final BigDecimal alreadyAccrued = payableBalance(office, payableAccount, currencyCode);
         final BigDecimal shortfall = amount.subtract(alreadyAccrued).max(BigDecimal.ZERO);
         log.info("createInterestPostingJournalEntriesForSavings: alreadyAccrued={}, shortfall={}, payableIsLiability={}, isReversal={}",
@@ -718,6 +735,14 @@ public class AccountingProcessorHelper {
                     shortfall, false);
         }
 
+        postPayableToMember(office, currencyCode, payableAccount, paidAccount, controlAccount, savingsId, transactionId, transactionDate,
+                amount, isReversal);
+    }
+
+    /** Stages 2 and 3: out of the payable, through the paid account when the product names one, into the member. */
+    private void postPayableToMember(final Office office, final String currencyCode, final GLAccount payableAccount,
+            final GLAccount paidAccount, final GLAccount controlAccount, final Long savingsId, final String transactionId,
+            final LocalDate transactionDate, final BigDecimal amount, final boolean isReversal) {
         final boolean hasSeparatePaidAccount = !payableAccount.getId().equals(paidAccount.getId());
         if (hasSeparatePaidAccount) {
             log.info("createInterestPostingJournalEntriesForSavings: posting Stage 2 [Dr {} / Cr {} = {}] and Stage 3 [Dr {} / Cr {} = {}]",

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

@@ -194,7 +194,7 @@ public class AccrualBasedAccountingProcessorForSavings implements AccountingProc
                     // payable-to-control pair that used to be here, which skipped interest-paid
                     // entirely and left the expense off the P&L.
                     this.helper.createInterestPostingJournalEntriesForSavings(office, currencyCode, savingsProductId, paymentTypeId,
-                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal);
+                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal, true);
                 }
             }
 

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

@@ -186,7 +186,7 @@ public class CashBasedAccountingProcessorForSavings implements AccountingProcess
                     // to the plain Dr Interest On Savings / Cr Savings Control pair for a product
                     // that names neither.
                     this.helper.createInterestPostingJournalEntriesForSavings(office, currencyCode, savingsProductId, paymentTypeId,
-                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal);
+                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal, false);
                 }
             }
 

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

@@ -687,6 +687,16 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
     }
 
     private void validateBusinessRulesForJournalEntries(final JournalEntryCommand command) {
+        validateBusinessRulesForJournalEntries(command, true);
+    }
+
+    /**
+     * @param requireBalanced
+     *            false for opening balances: every leg is posted against the contra account, so the books always
+     *            balance, and the submitted legs legitimately differ by the locked (denomination-managed) cash
+     *            account's opening balance that is already posted and can never be part of this request.
+     */
+    private void validateBusinessRulesForJournalEntries(final JournalEntryCommand command, final boolean requireBalanced) {
         // check if date of Journal entry is valid
         final LocalDate transactionDate = command.getTransactionDate();
         // shouldn't be in the future
@@ -706,6 +716,26 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
         final SingleDebitOrCreditEntryCommand[] credits = command.getCredits();
         final SingleDebitOrCreditEntryCommand[] debits = command.getDebits();
 
+        if (!requireBalanced) {
+            final List<SingleDebitOrCreditEntryCommand> entries = new ArrayList<>();
+            if (credits != null) {
+                entries.addAll(Arrays.asList(credits));
+            }
+            if (debits != null) {
+                entries.addAll(Arrays.asList(debits));
+            }
+            if (entries.isEmpty()) {
+                throw new JournalEntryInvalidException(GlJournalEntryInvalidReason.NO_DEBITS_OR_CREDITS, null, null, null);
+            }
+            for (final SingleDebitOrCreditEntryCommand entry : entries) {
+                if (entry.getAmount() == null || entry.getGlAccountId() == null) {
+                    throw new JournalEntryInvalidException(GlJournalEntryInvalidReason.DEBIT_CREDIT_ACCOUNT_OR_AMOUNT_EMPTY, null, null,
+                            null);
+                }
+            }
+            return;
+        }
+
         // atleast one debit or credit must be present
         if (credits == null || credits.length == 0 || debits == null || debits.length == 0) {
             throw new JournalEntryInvalidException(GlJournalEntryInvalidReason.NO_DEBITS_OR_CREDITS, null, null, null);
@@ -783,7 +813,7 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
             final Office office = this.officeRepositoryWrapper.findOneWithNotFoundDetection(officeId);
             final String currencyCode = command.stringValueOfParameterNamed(JournalEntryJsonInputParams.CURRENCY_CODE.getValue());
 
-            validateBusinessRulesForJournalEntries(journalEntryCommand);
+            validateBusinessRulesForJournalEntries(journalEntryCommand, false);
             validateNoDenominationManagedCashAccounts(journalEntryCommand);
 
             /**

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

@@ -84,4 +84,8 @@ public final class LedgerTxnPrefix {
     // ── Savings ───────────────────────────────────────────────────────────────
     /** Pooled savings interest posting for one product and date. */
     public static final String SAVINGS_INTEREST_POOLED = "SAVINT";
+
+    // ── Fixed deposits ────────────────────────────────────────────────────────
+    /** Approved fixed deposit interest posting report, for one product, branch and date. */
+    public static final String FD_INTEREST_POSTED = "FDINT";
 }

fineract-provider/src/main/java/org/apache/fineract/accounting/productaccountmapping/service/ProductToGLAccountMappingWritePlatformServiceImpl.java

@@ -294,8 +294,14 @@ public class ProductToGLAccountMappingWritePlatformServiceImpl implements Produc
                 SavingProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), savingProductId,
                 CashAccountsForSavings.TRANSFERS_SUSPENSE.getValue());
 
+        // FD and RD products switch dormancy on with "dormancyAlert" (DepositProductAssembler derives the product's
+        // tracking flag from it) and never send isDormancyTrackingActive, so reading only that dropped the escheat
+        // account the screen had asked for - the product then tracked dormancy with no escheat account mapped.
         final Boolean isDormancyTrackingActive = this.fromApiJsonHelper.extractBooleanNamed(isDormancyTrackingActiveParamName, element);
-        if (null != isDormancyTrackingActive && isDormancyTrackingActive) {
+        final Boolean dormancyAlert = this.fromApiJsonHelper.parameterExists("dormancyAlert", element)
+                ? this.fromApiJsonHelper.extractBooleanNamed("dormancyAlert", element)
+                : null;
+        if (Boolean.TRUE.equals(isDormancyTrackingActive) || Boolean.TRUE.equals(dormancyAlert)) {
             this.savingsProductToGLAccountMappingHelper.saveSavingsToLiabilityAccountMapping(element,
                     SavingProductAccountingParams.ESCHEAT_LIABILITY.getValue(), savingProductId,
                     CashAccountsForSavings.ESCHEAT_LIABILITY.getValue());

fineract-provider/src/main/java/org/apache/fineract/infrastructure/configuration/domain/ConfigurationDomainServiceJpa.java

@@ -191,6 +191,16 @@ public class ConfigurationDomainServiceJpa implements ConfigurationDomainService
         return property.isEnabled();
     }
 
+    /**
+     * Read on every run of the interest posting job and of the day close, so the two paths can never
+     * both pay the same deposit: with this on the job leaves fixed deposits alone and they are paid
+     * from an approved report, with it off the job pays them directly as it always did.
+     */
+    @Override
+    public boolean isFixedDepositInterestPostingApprovalEnabled() {
+        return getGlobalConfigurationPropertyData(GlobalConfigurationConstants.FD_INTEREST_POSTING_APPROVAL).isEnabled();
+    }
+
     @Override
     public Integer retrieveFinancialYearBeginningMonth() {
         final GlobalConfigurationPropertyData property = getGlobalConfigurationPropertyData(

fineract-provider/src/main/java/org/apache/fineract/infrastructure/core/service/migration/TenantDatabaseUpgradeService.java

@@ -68,6 +68,7 @@ public class TenantDatabaseUpgradeService implements InitializingBean {
     private final ExtendedSpringLiquibaseFactory liquibaseFactory;
     private final TenantDataSourceFactory tenantDataSourceFactory;
     private final Environment environment;
+    private final TenantInitialUserProvisioner initialUserProvisioner;
 
     // DO NOT REMOVE! Required for liquibase custom task initialization
     private final List<CustomTaskChange> customTaskChangesForDependencyInjection;
@@ -195,10 +196,15 @@ public class TenantDatabaseUpgradeService implements InitializingBean {
                 // configuration
                 // settings, and we should not use them to control the script order
                 if (databaseStateVerifier.isFirstLiquibaseMigration(tenantDataSource)) {
+                    // a Flyway-era database already has its real users; only a brand-new tenant gets the seeded ones
+                    final boolean brandNewTenant = !databaseStateVerifier.isFlywayPresent(tenantDataSource);
                     ExtendedSpringLiquibase liquibase = liquibaseFactory.create(tenantDataSource, TENANT_DB_CONTEXT,
                             CUSTOM_CHANGELOG_CONTEXT, INITIAL_SWITCH_CONTEXT, tenant.getTenantIdentifier());
                     applyInitialLiquibase(tenantDataSource, liquibase, tenant.getTenantIdentifier(),
                             (ds) -> !databaseStateVerifier.isTenantOnLatestUpgradableVersion(ds));
+                    if (brandNewTenant) {
+                        initialUserProvisioner.provision(tenantDataSource, tenant.getTenantIdentifier());
+                    }
                 }
                 SpringLiquibase tenantLiquibase = liquibaseFactory.create(tenantDataSource, TENANT_DB_CONTEXT, CUSTOM_CHANGELOG_CONTEXT,
                         tenant.getTenantIdentifier());

fineract-provider/src/main/java/org/apache/fineract/infrastructure/core/service/migration/TenantInitialUserProvisioner.java

@@ -0,0 +1,90 @@
+/**
+ * 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.infrastructure.core.service.migration;
+
+import java.util.Locale;
+import javax.sql.DataSource;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.useradministration.service.AppUserConstants;
+import org.springframework.core.env.Environment;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.security.crypto.factory.PasswordEncoderFactories;
+import org.springframework.security.crypto.password.PasswordEncoder;
+import org.springframework.stereotype.Component;
+
+/**
+ * Personalises the three users that the initial Liquibase data seeds into every brand-new tenant database (ids 1-3,
+ * which otherwise ship with the well-known {@code mifos} / {@code system} / {@code interopUser} usernames and the
+ * public default password).
+ *
+ * Runs only right after the very first migration of a tenant that was never on Flyway, so existing tenants are never
+ * touched. The seeded changeSet itself is deliberately left alone: editing it would change its Liquibase checksum and
+ * break validation on every tenant that already ran it.
+ *
+ * Usernames become {@code <tenantIdentifier>_admin} and {@code <tenantIdentifier>_interop}. The system user keeps the
+ * {@link AppUserConstants#SYSTEM_USER_NAME} username because scheduler jobs, COB and other background processes look it
+ * up by that name; only its password is changed. All three share one password: the value of
+ * {@code fineract.tenant.initial-user-password} (env {@code FINERACT_TENANT_INITIAL_USER_PASSWORD}) when set,
+ * otherwise {@link #DEFAULT_PASSWORD}.
+ */
+@Component
+@Slf4j
+@RequiredArgsConstructor
+public class TenantInitialUserProvisioner {
+
+    static final String PASSWORD_PROPERTY = "fineract.tenant.initial-user-password";
+
+    private static final long ADMIN_ID = 1L;
+    private static final long SYSTEM_ID = 2L;
+    private static final long INTEROP_ID = 3L;
+    // Meets the "strong" password policy (upper, lower, digit, special, no space, under 50 chars).
+    static final String DEFAULT_PASSWORD = "Cbs@Nexora#2026!Secure";
+
+    private final Environment environment;
+
+    public void provision(final DataSource dataSource, final String tenantIdentifier) {
+        final JdbcTemplate jdbc = new JdbcTemplate(dataSource);
+        final String prefix = usernamePrefix(tenantIdentifier);
+
+        final String configured = environment.getProperty(PASSWORD_PROPERTY);
+        final boolean overridden = configured != null && !configured.isBlank();
+        final String password = overridden ? configured : DEFAULT_PASSWORD;
+        final PasswordEncoder encoder = PasswordEncoderFactories.createDelegatingPasswordEncoder();
+        final String encoded = encoder.encode(password);
+
+        update(jdbc, ADMIN_ID, prefix + "_admin", encoded);
+        update(jdbc, SYSTEM_ID, AppUserConstants.SYSTEM_USER_NAME, encoded);
+        update(jdbc, INTEROP_ID, prefix + "_interop", encoded);
+
+        log.warn("Tenant '{}' initial users created: {}_admin, {}, {}_interop (password: {}). Change it after first login.",
+                tenantIdentifier, prefix, AppUserConstants.SYSTEM_USER_NAME, prefix, overridden ? "from " + PASSWORD_PROPERTY : "built-in default");
+    }
+
+    private void update(final JdbcTemplate jdbc, final long id, final String username, final String encodedPassword) {
+        jdbc.update("UPDATE m_appuser SET username = ?, password = ?, last_time_password_updated = CURRENT_DATE WHERE id = ?", username,
+                encodedPassword, id);
+    }
+
+    static String usernamePrefix(final String tenantIdentifier) {
+        final String cleaned = tenantIdentifier.toLowerCase(Locale.ROOT).replaceAll("[^a-z0-9]+", "_").replaceAll("^_+|_+$", "");
+        return cleaned.isEmpty() ? "tenant" : cleaned;
+    }
+
+}

fineract-provider/src/main/java/org/apache/fineract/organisation/agent/api/AgentsApiResource.java

@@ -0,0 +1,120 @@
+/**
+ * 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.organisation.agent.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.PUT;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.util.Collection;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.domain.CommandWrapper;
+import org.apache.fineract.commands.service.CommandWrapperBuilder;
+import org.apache.fineract.commands.service.PortfolioCommandSourceWritePlatformService;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.organisation.agent.data.AgentData;
+import org.apache.fineract.organisation.agent.service.AgentReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/dds/agents")
+@Component
+@Tag(name = "DDS Agents", description = "A DDS collection agent - either a person or, at the top of the hierarchy, the bank itself - with its own settlement savings account and guarantors.")
+@RequiredArgsConstructor
+public class AgentsApiResource {
+
+    private static final String RESOURCE_NAME_FOR_PERMISSIONS = "AGENT";
+
+    private final PlatformSecurityContext context;
+    private final AgentReadPlatformService readPlatformService;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve DDS Agents", description = "Returns the list of DDS agents.")
+    public Collection<AgentData> retrieveAll() {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        return readPlatformService.retrieveAll();
+    }
+
+    @GET
+    @Path("{agentId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve a DDS Agent", description = "Returns the details of a DDS agent, including its guarantors.")
+    public AgentData retrieveOne(@PathParam("agentId") @Parameter(description = "agentId") final Long agentId) {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        return readPlatformService.retrieveOne(agentId);
+    }
+
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Create a DDS Agent", description = "Mandatory fields: clientId, agentNameId, agentAddress1, agentCity, "
+            + "agentPinCode, agentSavingAccountType, agentSavingAccountNo, agentOpeningDate, agentBirthDate\n" + "\n"
+            + "Optional fields: agentAddress2, agentTelephone, agentOpeningBalance, officeId, guarantors\n" + "\n"
+            + "officeId is the branch the agent belongs to, and defaults to the client's own office. "
+            + "agentSavingAccountNo must be an open savings account of that same client - the agent's "
+            + "commission is paid into it.")
+    public CommandProcessingResult create(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder() //
+                .createAgent() //
+                .withJson(apiRequestBodyAsJson) //
+                .build();
+        return commandsSourceWritePlatformService.logCommandSource(commandRequest);
+    }
+
+    @PUT
+    @Path("{agentId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Update a DDS Agent", description = "Updates the details of a DDS agent.")
+    public CommandProcessingResult update(@PathParam("agentId") @Parameter(description = "agentId") final Long agentId,
+            @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder() //
+                .updateAgent(agentId) //
+                .withJson(apiRequestBodyAsJson) //
+                .build();
+        return commandsSourceWritePlatformService.logCommandSource(commandRequest);
+    }
+
+    @POST
+    @Path("{agentId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Close a DDS Agent", description = "Ends the relationship with an agent. Refused while they still have "
+            + "accounts assigned, hold collected cash, or are owed commission - the response names which. Distinct from "
+            + "deactivating the agent, which stops them collecting and is never refused.")
+    public CommandProcessingResult close(@PathParam("agentId") @Parameter(description = "agentId") final Long agentId,
+            @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder() //
+                .closeAgent(agentId) //
+                .withJson(apiRequestBodyAsJson) //
+                .build();
+        return commandsSourceWritePlatformService.logCommandSource(commandRequest);
+    }
+}